Fidelity Customer Protection Guarantee

What You Need to Do

To be eligible for coverage under the Fidelity Customer Protection Guarantee:

You must frequently check your account information and promptly review correspondence, account statements, confirmations, and alerts as they are made available to you, but no later than 30 days after that information is posted to your account or delivered to you.

You must immediately contact and report to Fidelity by calling 800-544-6666 if you suspect any unauthorized account activity, errors, or discrepancies, if you lose the device you normally use to contact us, or if you have not received your account statements.

You must also maintain up-to-date contact information with us so that you can receive timely account communications and to ensure that we can contact you in case of suspected unauthorized activity.

What must I do to protect my accounts?

• Use a unique username and password when setting up online credentials.
• Change your password and notify us immediately if you become aware that you are the victim of identity theft.
• Actively monitor your accounts and never share your account access information, including username, password, and answers to security questions, with anyone, or grant someone else access to your account.
  • If you want to share access to your account with your financial advisor, confirm with your advisor whether they are a Registered Investment Advisor (“RIA”) with Fidelity. Only an RIA can be granted such access. Permitting a non-RIA to access your account will make you ineligible the Fidelity Customer Protection Guarantee.
  • If you have a unique need and want to grant a Power of Attorney that empowers a trusted individual to access your account, you may do so by following the instructions located at: https://www.fidelity.com/customer-service/how-to-set-up-or-get-power-of-attorney. Note that you may not grant a Power of Attorney to an investment advisor for this purpose.
• You should also never grant remote access to your computer or readback a one-time security password unless you have initiated the service call to a phone number that you have verified to be valid. Fidelity will never contact you to ask for this information or to gain access to your computer.

You should visit Fidelity’s security pages at https://www.fidelity.com/security or at www.netbenefits.com to learn more about ways to protect yourself.

In addition to risking violation of the Fidelity Customer Protection Guarantee, if you fail to take the above actions designed to protect your accounts, S&P Global Inc., the U.S. Benefits Committee of S&P Global, and the Plan will not be responsible for any losses that arise based on your failure to maintain the security of your account.