Electronic Funds Transfer and Automatic Investments - Fidelity

Electronic Funds Transfer (EFT) allows you to transfer money electronically between your eligible Fidelity account(s) and
a bank account. Automatic Investments (Fidelity Automatic Account Builder ® ) allows you to regularly move money from
a bank account to your Fidelity account(s) and/or regularly invest money from your bank account into a mutual fund. Mutual
Fund Account Dividend and Capital Gains distributions via EFT allows you to have dividends and capital gains paid out
from your nonretirement Fidelity Mutual Fund Accounts and then delivered electronically (via EFT) to your bank.
You can use this form to sign up for EFT and Automatic Investments on your Fidelity nonretirement brokerage or Mutual
Fund account. Dividends and Capital Gains distributions via EFT can also be requested for Fidelity Mutual Fund
nonretirement account(s) only. Allow at least 10 business days for these services to become active after we receive this
form. While Fidelity does not charge a fee for these services, your bank may.
EFT allows you to transfer money between your eligible Fidelity account(s) and a bank account. Transfers occur only when
you initiate them. For Fidelity mutual funds, the fund additional investment minimum must be met. For more details,
please read Important Information About Your Use of EFT in Section 5. To establish EFT, complete Sections 1, 2, and 6.
Automatic Investments lets you choose a monthly, quarterly, or semiannual date for automatic purchases to your eligible
Fidelity account(s). Transfers must be for a minimum of $100 (some funds may have higher minimums). In order to enroll
in Automatic Investments, you must have the fund in your account. Refer to the fund’s prospectus for Automatic Investment
eligibility. NOTE: Fidelity does not charge a fee for automatic investments in Fidelity funds or No Transaction Fee (NTF)
FundsNetwork ® funds. After the initial investment, a $5 fee is charged per automatic investment into a FundsNetwork
transaction fee fund. Other regular mutual fund fees may also apply. If you sign up for this service, you will also have EFT
capabilities. Complete Sections 1, 2, 3, and 6 to add this service.
Mutual Fund Account Dividend and Capital Gains distributions via Electronic Funds Transfer allows you to have dividends
and capital gains paid out from your nonretirement Fidelity Mutual Fund account(s) and then delivered electronically,
using EFT, to your bank account. Complete Sections 1, 2, 4, and 6. NOTE: To establish this feature on a Fidelity
brokerage account, complete the Dividend and Interest Form.
Send the completed form to: Fidelity Investments, P.O. Box 770001, Cincinnati, OH 45277-0002
If you have any questions, call us anytime at 1-800-544-6666 or visit us at Fidelity.com.
1 CUSTOMER INFORMATION
Name of Owner (or Trust/Business/Minor)
Co-Owner (or Trustee/Authorized Person/Custodian)
Brokerage/Mutual Fund Account Number
Fidelity Fund Name (applicable to Mutual Fund accounts ONLY)
2 BANK INFORMATION
Electronic Funds Transfer and
Automatic Investments
For the EFT feature to be established, at least one common name must match exactly between your Fidelity and bank
accounts, and a voided check or deposit slip containing the bank ABA or ACH information is required with this form. If a
voided check or deposit slip is not provided, then the bank information below must be provided and signatures of all
account owners are required and must be Signature Guaranteed.
Attach
check
here.
John Doe
Sixty-One Maple St.
Anytown,MA 00000
VOID
PAY TO THE
ORDER OF $
First National Bank
One Main Street, Anytown, Ma 00000
910002010 509779195 701
Bank ABA Number
Dollars
____________________________________________________________________
Name of your Bank
____________________________________________________________________
Bank Account Number Bank ABA Number
____________________________________________________________________
Name(s) as they appear on your Bank Account Bank Branch Phone Number
1.737114.109 002040101
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3 AUTOMATIC INVESTMENTS
Are these instructions replacing existing Automatic Investments instructions on your account? Yes No
I would like to invest*: $
These investments should take place on the following month and date (mm/dd) / .
I would like my regular investments to expire on the following date** (mm/dd/yyyy) / / .
The frequency will be (check one):
Monthly OR Quarterly OR Custom (select at least 2 months below):
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
If a start date or investment amount is not provided, the installment will begin on the first day of the frequency indicated
above, and the investment amount will be the minimum.
*Minimum investment is $100 for Fidelity funds (some funds may have higher minimums). Refer to prospectus for minimum investment requirements.
** Please note that if you do not indicate an expiration date above, and your account has margin, your account may continue to regularly purchase these
funds, creating a margin debit balance, even if the cash in your cash core account is insufficient to cover the purchase(s). If you do not have margin on
your account, your account may continue to regularly purchase these funds, creating a cash debit balance, even if the cash in your core account is insufficient
to cover the purchase(s).
For Mutual Fund accounts:
Indicate the fund you wish to automatically invest in:
For Brokerage accounts: (Investments will be placed in the core account unless otherwise recorded below.)
Direct the funds from my bank account to the following mutual funds:
Direct funds from my core account to the following mutual funds:
4 DIVIDEND AND CAPITAL GAINS DISTRIBUTIONS VIA ELECTRONIC FUNDS TRANSFER: FOR
NONRETIREMENT MUTUAL FUND ACCOUNTS ONLY
Check below to have your mutual fund dividends or dividends and capital gain distributions from your nonretirement
Mutual Fund account in Section 1 sent directly to your bank:
Dividends only Dividends and Capital Gains
5 IMPORTANT INFORMATION ABOUT YOUR USE OF ELECTRONIC FUNDS TRANSFER (EFT)
Privacy Statement:
I understand Fidelity Brokerage Services LLC (“Fidelity”) will disclose information to third parties about my account or the
transfers I make:
(i) Where it is necessary for completing transfers, or
(ii) In order to verify the existence and condition of my account for a third party, such as a credit bureau, or merchant, or
(iii) In order to comply with a government agency or court order, or
(iv) If I give Fidelity my written permission, or
(v) For other purposes in accordance with Fidelity’s privacy statement.
Redemptions:
I authorize Fidelity to accept and act upon any directions for redemptions of shares held in my eligible Fidelity account and/or
Fidelity Mutual Fund account for payment to be made to the account I designated in my EFT authorization. I understand and
agree that Fidelity will not be liable for any loss arising out of any telephone, Internet, or other electronic request for redemption
so long as Fidelity transmits proceeds to the bank account I designate through my EFT authorization.
Fees:
There is no fee to use the EFT service, although my financial institution may charge transaction fees.
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Brokerage Account Limitations on Transfers:
The minimum EFT transaction is $10 for redemptions and deposits; the maximum is $100,000 for redemptions and
deposits. The minimum Immediate Funding transaction is $10 for redemptions and deposits; the maximum is $25,000 for
redemptions and deposits. The EFT or Immediate Funding maximum transfer amount for redemptions and deposits over
any 7-day period is $100,000.
Mutual Fund Account Limitations on Transfers:
The minimum EFT transaction is $10 for redemptions and $250 (or the fund minimum) for deposits. The maximum is
$250,000 for deposits and $100,000 per fund for redemptions.
Limitations for Electronic Funds Transfer Established Electronically:
If I establish EFT electronically, I may be able to immediately transfer funds from my bank account to my Fidelity account
or Fidelity Mutual Fund account. All EFT transactions processed during the first seven (7) business days after I establish
the EFT will be limited to a maximum transaction amount of $25,000 per day (for customers with an existing relationship.
For new customers, the maximum transaction amount is $15,000 per day). On the eighth business day following my establishment
of the EFT service, the maximum transaction amount will increase to $100,000 per day for a Fidelity account and
$250,000 per day for a Fidelity Mutual Fund account. Transfers from my Fidelity account or Fidelity Mutual Fund account
to my bank account will not be allowed until the eighth business day.
Brokerage Account Minimum Balances:
There is no minimum account balance to process an EFT transaction; however, my core account must have adequate funds
to cover the redemption of funds.
Mutual Fund Account Minimum Balances:
There is no minimum account balance to process an EFT transaction; however, I must have an adequate balance in my
mutual fund position to cover the redemption.
Business Days:
For purposes of these disclosures, Fidelity’s business days are Monday through Friday. Bank and New York Stock Exchange
holidays are not included.
Documentation Periodic Statement:
I will receive a monthly account statement from Fidelity, unless there are no transactions in a particular month. In any case,
I will receive a statement quarterly.
Direct Deposits:
If I have arranged to have direct deposits made to my Fidelity account or Fidelity Mutual Fund account, at least once every
sixty (60) days from the same person or company, I can call Fidelity at 1-800-544-6666 to find out whether or not the
deposit has been made.
Special Disclosures for Transfers:
My use of the EFT service for transfer of funds electronically, other than those for which the primary purpose is the purchase
or sale of securities (“Covered Transfers”), is covered under the Electronic Funds Transfer Act and the Federal Reserve
Board’s Regulation E and related laws and regulations. The following disclosures apply to Covered Transfers:
• Unauthorized Transfers: I will tell Fidelity promptly if I believe my PIN has been lost or stolen or may have been used
without my permission. Telephoning Fidelity at the number listed below is the best way of keeping my possible losses
down. If I believe my PIN has been lost or stolen, and I tell Fidelity within two (2) business days after I learn of the loss
or theft, I can lose no more than $50 for Covered Transfers if someone used my PIN without my permission. If I do NOT
tell Fidelity within two (2) business days after I learn of the loss or theft of my PIN, and Fidelity can prove Fidelity could
have prevented any unauthorized use if I had told Fidelity, I could lose as much as $500. Also, if my statement shows
Covered Transfers that I did not make, I will tell Fidelity promptly. If I do not tell Fidelity within sixty (60) days after
the first statement was mailed to me, I may not get back any money I lost after sixty (60) days if Fidelity can prove that
Fidelity could have stopped someone from taking the money if I had told Fidelity in time. In extenuating circumstances
Fidelity may extend such time periods. Additional protection may be available from Fidelity for specific accounts under
certain circumstances.
• Stop Payment Procedures: If I have told Fidelity in advance to make regular Covered Transfers out of my Fidelity
account, I can stop any of these payments. Here’s how: I can call or write to Fidelity using the Contact Information listed
below. My notice must be made in time for Fidelity to receive my request a least three (3) business days or more before
the payment is scheduled to be made. If I call, Fidelity may, as an additional measure, require me to put my request in
writing and get it to Fidelity within fourteen (14) days after I call. Unless otherwise provided, I may not stop payment of
electronic funds transfers; therefore, I should not employ electronic access for purchases or services unless I am satisfied
that I will not need to stop payment.
• Fidelity’s Liability for Failure to Make Covered Transfers: If Fidelity does not complete a Covered Transfer to or
from my Fidelity account on time or in the correct amount according to Fidelity’s agreement with me, Fidelity may be
liable for my losses or damages. However, there are some exceptions. Fidelity will not be liable, for instance:
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• If, through no fault of Fidelity’s, I do not have enough money in my Fidelity account to make the Covered Transfer.
• If the money in my Fidelity account is subject to legal process or other claim restricting such transfer.
• If the transfer would exceed my margin availability, if any.
• If the bank account information I provided to Fidelity when I established the Electronic Funds Transfer service was
incorrect or has subsequently become incorrect.
• If circumstances beyond Fidelity’s control (such as fire or flood) prevent the transaction, despite reasonable precautions
taken by Fidelity.
• If there was a technical malfunction which was known to me at the time I attempted to initiate a Covered Transfer or,
in the case of a Covered Preauthorized Transfer, at the time the transfer should have occurred.
• There may be other exceptions stated in Fidelity’s agreement with me.
• Error Resolution: In the case of errors or questions about my Covered Transfers, I will call or write Fidelity using
the contact information listed below, promptly. I will call or write Fidelity if I think my statement is wrong or if I need
more information about a Covered Transfer on the statement. Fidelity must hear from me no later than 60 days after
Fidelity sent the FIRST statement on which the problem or error appeared. I will:
• Tell Fidelity my name and account number.
• Describe the error or the Covered Transfer that I am unsure about, and explain as clearly as I can why I believe it is an
error or why I need more information.
• Tell Fidelity the dollar amount of the suspected error.
If I notify Fidelity orally, Fidelity may require that I send my complaint or question in writing within ten (10) business
days. Fidelity will tell me the results of its investigation within ten (10) business days after Fidelity hears from me and will
correct any error promptly. If Fidelity needs more time, however, it may take up to forty-five (45) days to investigate my
complaint or question. If Fidelity decides to do this, it will credit my account within 10 business days for the amount that
I think is in error, so that I will have the use of the money during the time it takes Fidelity to complete its investigation.
If Fidelity asks me to put my request or question in writing and it does not receive it within 10 business days, Fidelity
may not credit my account. If Fidelity decides that there was no error, Fidelity will send me a written explanation within
three business days after Fidelity finishes the investigation. I may ask for copies of the documents that Fidelity used in
the investigation.
Contact Information
Fidelity Investments, P.O. Box 770001, Cincinnati, OH 45277-0002
1-800-544-6666
All account owners must sign the next page and return all pages of the form.
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6 AUTHORIZATION
I hereby authorize Fidelity, upon either receiving instructions from me, or in accordance with the instructions provided in
the subsection of this form entitled Automatic Investments, to make payments of amounts representing redemptions by me
or distributions payable to me, or to secure payments of amounts to be invested by me, by initiating credit or debit entries
to the account indicated in Section 1. I authorize and request the bank indicated in Section 2 to accept such entries from
Fidelity, and to credit or debit, as indicated, my account at that bank in accordance with these entries. I hereby ratify any
telephone instructions given pursuant to this authorization and agree that neither the fund, Fidelity Service Company Inc.,
nor Fidelity Brokerage Services LLC will be liable for any loss, liability, cost, or expense for acting upon such instructions.
I acknowledge that this authorization may only be revoked by providing written notice or revocation to Fidelity, in such
time and manner as to afford Fidelity and the bank a reasonable opportunity to act upon it.
I acknowledge that I have read and received the Important Information About Your Use of Electronic Funds Transfer in
Section 5.
For Trust Accounts:
By signing as a trustee, I certify that I have the power and authority under the trust agreement and applicable law to enter
into all transactions, including purchases, sales, and exchanges and redemptions of mutual funds, and deliver any documents
necessary to open and maintain accounts on behalf of the trust.
For Business Accounts:
To be completed by an individual other than that signing in Section 6, unless you are the sole officer of the organization/business.
I , the of the organization listed in
the Customer Information section, certify that the individual signing in Section 6 is authorized by the organization’s governing
body and applicable laws to enter into all transactions, including purchases, sales, and exchanges and redemptions of
mutual funds, on behalf of the organization.
If the authorized individual is the only person authorized to act on behalf of the registered owner, and is the sole officer of
the registered owner, certification is hereby made that the authorized individual is the sole officer.
All account owners or trustees must sign this form.
SIGNATURE OF OWNER (OR TRUSTEE/
AUTHORIZED PERSON/CUSTODIAN) DATE SIGNATURE OF CO-OWNER DATE
X X
SIGNATURE GUARANTEE STAMP SIGNATURE GUARANTEE STAMP
A signature guarantee is designed to protect you and Fidelity from fraud. You should be able to obtain a signature guarantee
from a bank, broker, broker/dealer, credit union (if authorized under state law), securities exchange or association, clearing
agency, or savings association. A notary public cannot provide a signature guarantee, and a notarization cannot be accepted
in lieu of a signature guarantee.
Fidelity Distributors Corporation
P.O. Box 770001, Cincinnati, OH 45277-0002 U101-SCF-0312
423894.4.0 Fidelity Brokerage Services LLC, Member NYSE, SIPC 1.737114.109
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