Fidelity Customer Protection Guarantee

What’s Not Covered

If you grant access or authority to, or share your Plan account access credentials or information with, any persons or entities, their activity will be considered authorized by you and not covered by the Fidelity Customer Protection Guarantee. Losses of cash, securities, or digital assets transferred to outside accounts that are beneficially owned by you are not covered by the Fidelity Customer Protection Guarantee. Also not covered is any activity by an employer/plan administrator, financial intermediary, or third-party who is authorized by you to access your data (or who received your data as a result of that access), or with whom you've shared or provided access to your username, password, or account number, or from malware or a breach of security that affects the systems of any of those parties. If you direct Fidelity to share account access information about you or your accounts with any third-party, the Fidelity Customer Protection Guarantee does not cover any losses or activity resulting from the sharing of that information, including any misuse or theft of that information from a third party.

The Fidelity Customer Protection Guarantee does not cover losses to the extent they arise from something other than unauthorized access to your assets through your Plan accounts. The Fidelity Customer Protection Guarantee also does not cover accounts held outside of Fidelity or assets that are not held in a Plan accounts, including certain annuities and insurance products, Fidelity Advisor Fund accounts, and Fidelity Advisor 529 accounts.

Credit and debit card and check-writing transactions, and physical theft are not covered by the Fidelity Customer Protection Guarantee. For fraud which has occurred through such activity, refer to the terms and conditions sent with the card or first order of checks.

For more information about Fidelity’s policies with respect to credential sharing, please review Fidelity’s Terms of Use and this overview of the Fidelity Customer Protection Guarantee.

Actions and losses not covered by the Fidelity Customer Protection Guaranteed, or other actions you take or fail to take that compromise the security of your account, will not be the responsibility of S&P Global Inc., the U.S. Benefits Committee of S&P Global, or the Plan.