A single solution for Payroll, Healthcare and Retirement Benefits Access the power of ONE Thank you for taking time to meet with me today. INTRODUCING FIDELITY WORKPLACE SOLUTIONS PAYROLL / HEALTHCARE / RETIREMENT

For businesses like yours We know the challenges you face RISING COST OF BENEFITS ADMINISTRATIVE BURDEN COMPLEX REGULATIONS Issue: Through our long-standing relationships with employers we have come to realize that, for the most part, they don’t like being in the benefit business. Complex regulations, escalating financial commitments and worrying about health and retirement plans diverts their attention from their business just when they need most to focus. We understand your choices can feel overwhelming and you have limited time to make very important decisions. 2

OPERATIONAL EXCELLENCE We can help Fidelity Workplace Solutions strives to deliver BENEFIT INNOVATION SINGLE PROVIDER OPERATIONAL EXCELLENCE Action (how we can help): That is why Fidelity has created Fidelity Workplace Solutions. An innovative suite of benefit and payroll strategies, from a company known for its service and operational excellence. For the first time, Fidelity Investments, can service your payroll, support your health and insurance benefits, as well as offer everything needed to support your retirement plan needs. ONE provider – multiple benefits. 3

A positive impact on your business Consolidating core benefits gives you COST SAVINGS STREAMLINED ADMINISTRATION BETTER RESULTS Impact (how this will impact your business): By consolidating core benefits and payroll with a single provider you can: streamline administration reduce costs provide better results for you and your employees. 4

What is Fidelity Workplace Solutions? Administration of health and other benefits—all in one place. HEALTH RETIREMENT A tailored strategy for smaller businesses and their employees. PAYROLL A seamless payroll administration solution that can reduce costs and save time. Integration of core benefits powered by Payroll INTEGRATION Benefits One Data Source Feeds Payroll & Benefit Programs Streamlines Employee Management Simplifies Census Data & Compliance Reporting OUSTANDING Results Time & Cost Savings Error Reduction Superior Customer Service & One-Stop Accountability Improved Employee Productivity & Satisfaction That’s why we created Fidelity Workplace Solutions - to make benefits management easier and find the right options for you. When Payroll data syncs automatically with other benefit programs – it creates greater efficiencies and helps aid in compliance requirements; making both 401(k) and Health insurance management easier.   Having data all in one place reduces the need to transfer files to multiple providers and makes it simpler for automated transactions 401(k) Enrollment and Contribution Changes are automated 401(k) Loan Processing is automated 401(k) Funding happens on Payday (eliminates funding gap) Year -End Testing is simplified Single Site for Employee Self-Service Health premiums are automatically deducted Payroll data also provides great insights that will be useful to help drive better employee results (e.g. those that have not enrolled in your 401(k) plan) These are just a few examples of how bringing the three together can help save time and improve accuracy – and it also gives you the opportunity to offer quality employee benefits through a known and trusted brand. And while there is real power in bringing benefits and payroll together; each of these strategies are strong and competitive in their own right – let’s take a quick look at each: 5

Fidelity Pay Seamless payroll solution — that can reduce costs and save time Full payroll and contribution processing, tax services, ACA reporting, time and labor management — as well as optional advanced reporting capabilities. A designated professional who understands your payroll needs and is responsible for ensures every payroll is easy, timely, and accurate. Pay people by check, direct deposit or paycard. A Web-based interface with full payroll and 401(k) integration, plus employees get access to NetBenefits®. Over 15 years of payroll experience from a company known for operational excellence. Web and mobile connectivity allow you to run payroll anywhere there’s Internet access. SIMPLICITY DEDICATED SERVICE ACCESSIBILITY FLEXIBILITY INTEGRATION EXPERTISE SIMPLICITY DEDICATED SERVICE ACCESSIBILITY FLEXIBILITY INTEGRATION EXPERTISE Payroll administration can be a difficult, time consuming, and expensive process. It’s also a reality of life for every business. But payday doesn’t have to be something to worry about. If you just need a fresh perspective on payroll — Fidelity Payroll may be just what you need. Fidelity Pay includes: Dedicated Service A designated payroll professional that understands your unique, local payroll processing needs and is responsible for ensuring that every payroll is easy, timely, and accurate. Flexibility Pay people by check, direct deposit or paycard Simplicity A web-based interface with full payroll and 401(k) integration, plus employees get access to NetBenefits Expertise Over 15 years of payroll experience from a company known for operational excellence Integration Full payroll and contribution processing, tax services, ACA reporting, time and labor management — as well as optional advanced reporting capabilities Accessibility Web and mobile connectivity allow you to run payroll anywhere there’s internet access   6

Fidelity Health Comprehensive health and other benefits — all in one place. One-on-one consulting with the goal of optimizing the type of coverage you offer helping reduce benefit costs.  Providing access to telemedicine offerings provides increased care options, convenience and cost savings. A go-to benefits resource who can also help with compliance questions. Free benefits portal offering100% visibility to all employee benefits information through one platform ­— in real time.   Extensive network of medical, dental, vision and other insurance options for access to the providers you want. Employee access health and financial benefits — including Fidelity’s HSA — all in one place through NetBenefits®. EXPERTISE IMPROVED EFFICIENCY SUPPORT CHOICE SIMPLICITY REDUCE COST EXPERTISE IMPROVED EFFICIENCY SUPPORT CHOICE SIMPLICITY REDUCE COST Fidelity Health provides a smart, simple way to manage your benefits while reducing HR administration costs and headaches. We offer seamless access to health benefits, life insurance, tax advantaged accounts, and more ­— all in one place.   Reduce Cost One-on-one consulting with the goal of optimizing the type of coverage your offer, helping to reduce becosts. Improved Efficiency Free benefits portal that provides 100% visibility to all employee benefits information through one platform ­— in real time Choice Extensive network of medical, dental, vision and other insurance providers to better control costs Simplicity Employee access to health and financial benefits in one place through NetBenefits® — including Fidelity’s HSA Support Access to benefit decision guides and telemedicine offerings provide increased care options, convenience and cost savings Expertise A dedicated Account Manager is your go-to benefits and compliance resource 7

Fidelity Retirement Offer the same program — as much larger companies Setting the standard for superior client retention through quality implementation, operations and customer service. A free, comprehensive program that helps employees address immediate financial needs with an eye toward the future. Investment and distribution support that helps employees answer the question we hear most, “What should I do?” We help your plan run smoothly, providing fiduciary and investment support, as well as industry and legislative updates and direction. Meeting employees where they are with a consistent experience across, digital, mobile, phone and in person engagements — all with live rep support. Here today, here tomorrow — over 70 years of innovation-driven investment and 30+ years of retirement experience. FINANCIAL WELLNESS ADVICE SUPPORT EXPERIENCE EXCELLENCE CONSISTENCY FINANCIAL WELLNESS ADVICE SUPPORT EXPERIENCE EXCELLENCE CONSISTENCY Fidelity is a great fit for smaller businesses and their employees. Many are surprised to learn that over half of Fidelity’s 401(k) clients have $5 million or less in 401(k) assets and two thirds have less than 150 employees.  We know that your 401(k) plan is important in attracting and keeping quality employees – but that it’s likely not at the top of your to-do list. We help you offer a quality plan and provide the ongoing support you need to be successful.   Financial Wellness  A free, comprehensive program that helps employees address immediate financial needs with an eye toward the future Advice Investment and distribution support that helps employees answer the question we hear most, “What should I do"?  Support We help your plan run smoothly providing fiduciary and investment support as well as industry and legislative updates and direction  Experience Over 70 years of innovation-driven investment and 30+ years of retirement plan record-keeping experience  Excellence Setting the standard for quality implementation, operations and service reflected in superior client retention  Consistency Meeting employees where they are - a consistent experience no matter how they engage - digital, mobile, phone, and in person - all with live rep support 8

Integrated payroll, health and retirement Fidelity as your ONE provider FOR YOUR BUSINESS Integrated payroll, health and retirement One service provider for your payroll and core benefit programs Reduced cost and administrative burden Quality services from a known provider Improved accuracy with automated data transmission The Power of ONE With Fidelity Investments, you will have a single provider who will be accountable for record keeping and servicing your payroll and core employee benefits programs. Built-in efficiency for your benefits programs powered by payroll data 9

Simple, integrated benefit information Fidelity as your ONE provider FOR YOUR EMPLOYEES Simple, integrated benefit information Holistic view of payroll and benefit programs with NetBenefits® Focus on financial well-being today and tomorrow One resource for all Fidelity benefits Superior customer service The Power of ONE Helping employees choose and make informed benefit decisions is an important step in improving their situation and potentially reducing their benefit costs. By bringing together core benefits and payroll we have the data and insights to provide more help to your employees – and they have the benefit of seeing all of their benefits in one place. They can update personal information once and it will automatically update across all of their benefits 10

Why Fidelity? Rely on support from a privately-held, trusted provider WORLD-CLASS SERVICE TECHNOLOGICAL INNOVATION & SECURITY OPERATIONAL EXCELLENCE You can rely on us: Support from a privately-held, trusted provider, offering world-class service Technological innovation and operational excellence 70 years of history and heritage High Net Promoter Score Outstanding Client Retention Rate Partnership with Fidelity Center Applied Technology (FCAT) Industry leading security programs – ISO certifications and Customer protection guarantees 11

Fidelity Workplace Solutions We help EMPLOYERS get more from their BENEFIT spend. We help EMPLOYEES get more from their BENEFITS. We want to help employers like you get the most out of your benefit spend by continuing to simply the process for you and your employees. By building in better efficiency at potentially lower costs – you can invest more of your time and talent in your business; while we focus on your benefits and payroll. 12

Important Information Approved for use in advisor and 401(k) markets. Firm review may apply. Fidelity Brokerage Services LLC, Member NYSE, 900 Salem Street, Smithfield, RI 02917 ©2017 FMR LLC. All rights reserved. 812668.1.0