Download - 2009 Feb Report All222
BORIS M NEKRITIN29 HASENFUS CIRNEEDHAM MA 02494-1358
Online Fidelity.comFAST(sm)-Automated Telephone 800-544-5555Retirement Specialist 800-544-5373Customer Service 800-544-6666
Beginning mkt value as of Feb 1 $266,556.51Additions 1,610.00Withdrawals -1,400.00Transaction costs, loads and fees -244.08Change in investment value -10,594.89Change in credit balance 16,743.30Ending mkt value as of Feb 28 272,670.84
Credit balance 2,163.15Short balance -38.06
Your portfolio commission schedule GoldTotal eligible trades for portfolio period 260Mar 2008 - Feb 2009
Fidelity Account - Individual - TOD $56,958.16 $58,391.28Fidelity Account - Individual - TOD 189.66 189.68Fidelity Account - Joint WROS - TOD 143.66 142.99Fidelity Account - Joint WROS - TOD 50,983.70 51,362.68
Fidelity Rollover IRA 29,613.36 29,319.25Fidelity Roth IRA 37,379.59 34,289.78Fidelity SEP-IRA 106,317.51 97,297.76Fidelity SIMPLE-IRA 3,839.26 3,802.51
February 1, 2009 - February 28, 2009
Page 1 of 28
Account Net Value Net ValueNumber February 1, 2009 February 28, 2009
Ending Net Value $274,795.93
General Investment301-162698X19-350044X19-262145Z42-254967
Personal Retirement301-409910119-348520301-412244329-425370
Total Net Value $285,424.90 $274,795.93
Changes in Portfolio Value Value by Account
Investment Report
0001 090227 0001 900322993 04 18 000
Your Portfolio Summary
Envelope 900322993
Tax-exempt $7.36 $15.90Tax-deferred 198.28 418.41Tax-free 42.09 83.08
Beginning value as of Feb 1 $56,958.16Additions 1,400.00Change in investment value 33.12
Accrued Interest (AI) $347.41Change in AI from last statement $71.52
Your commission schedule GoldAccount eligible trades from Mar 2008 - 2Feb 2009
Dividends $3.32 $8.81
February 1, 2009 - February 28, 2009
Page 2 of 28
This period Year to Date
This Period Year to Date
Total $247.73 $517.39
Ending value as of Feb 28 $58,391.28
Tax-exempt
Income Summary
Fidelity Account
Investment Report
Account Summary Income Summary
0001 090227 0001 900322993 04 18 000
Your Portfolio Details
BORIS M NEKRITIN - INDIVIDUAL TOD301-162698
15,000.000 $1.000 $15,109.05 $15,000.00 $15,000.00
10,000.000 1.020 10,000.00 10,170.10 10,199.90
( ) 33,191.380 1.000 not applicable 31,788.06 33,191.38
February 1, 2009 - February 28, 2009
Page 3 of 28
Performance Quantity Price per Unit Total Value Total Value (Symbol) as of February 28, 2009 February 28, 2009 February 28, 2009 February 28, 2009 Total Cost Basis February 1, 2009 February 28, 2009
Other
Core Account
Fidelity Account
Investment Report
Holdings43% of holdings
57% of holdings
COMERICA BANK CD3.55000% 10/01/2009FIXED COUPONCTF DEP FDIC INSUREDMOODYS A1 S&P AAT MATURITYAI: $220.29EAI: $532.50CUSIP: 200339CJ6
MORGAN STANLEY BK N A UTAH4.00000% 12/31/2009FIXED COUPONCTF DEP FDIC INSUREDSEMIANNUALLYAI: $127.12EAI: $461.37CUSIP: 61747MQV6
FIDELITY MASS MUNI MONEY MARKET FDMXX
0001 090227 0001 900322993 04 18 000
7-day Yield: 0.22%
B
BORIS M NEKRITIN - INDIVIDUAL TOD301-162698
February 1, 2009 - February 28, 2009
Page 4 of 28
Performance Quantity Price per Unit Total Value Total Value (Symbol) as of February 28, 2009 February 28, 2009 February 28, 2009 February 28, 2009 Total Cost Basis February 1, 2009 February 28, 2009
Total Market Value $58,391.28
Fidelity Account
Investment Report
Holdings
Thereis no guarantee that AI will be paid by the issuer.
There is no guarantee that you will actually receive theestimated annual interest income listed for any or all of the specific securities for which EAI is provided.
0001 090227 0001 900322993 04 18 000
All positions held in cash account unless indicated otherwise.
B - See Cost Basis Information and Endnotes for important information about the adjusted cost basis information provided.
-- not available
AI (Accrued Interest) - Presented for domestic fixed income securities and represents interest accumulated since the last coupon date, but not yet paid by the issuer or received by NFS.
AI for treasury and GNMA securities, however, is backed by the full faith and credit of the United States Government. AI totals
represent accruals for only those securities with listed AI in the Holdings section of this statement. Please refer to the Help/Glossary section of Fidelity.com for additional information.
EAI (Estimated Annual Income) - An estimate of annual income for a specific fixed income security position over the next rolling 12 months. EAI is calculated for the following securities: fixed rate
bonds and Certificates of Deposit (CDs). EAI should not be relied upon for making investment, trading or tax decisions.
There are circumstances in which EAI will not be calculated for a
specific security. Please refer to the Help/Glossary section of Fidelity.com for additional information including specific calculations.
BORIS M NEKRITIN - INDIVIDUAL TOD301-162698
Mar 2009 -- -- -- -- --Apr 2009 -- -- -- -- --May 2009 -- -- $198 -- $198Jun 2009 -- -- -- -- --Jul 2009 -- -- -- -- --Aug 2009 -- -- -- -- --Sep 2009 -- -- -- -- --Oct 2009 -- -- $533 $15,000 $15,533Nov 2009 -- -- $202 -- $202Dec 2009 -- -- $61 $10,000 $10,061Jan 2010 -- -- -- -- --Feb 2010 -- -- -- -- --
February 1, 2009 - February 28, 2009
Page 5 of 28
Projected Cash FlowEstimated Annual Interest Income & Principal
Total Projected Cash Flow fromMonth Bond Interest Bond Principal Other Fixed Income Interest Other Fixed Income Principal Bonds and Other Fixed Income
Total -- -- $994 $25,000 $25,994
Fidelity Account
Transaction Details
Investment Report
Bond InterestBond PrincipalOther Fixed Income InterestOther Fixed Income Principal
rolling as of February 28, 2009
for bonds and other fixed income holdings
The table below presents the anticipated monthly interest income and return of principal that your current holdings are expected to generate over the next rolling 12 months. This information is an
estimate and should not be relied upon for making investment, trading or tax decisions. There is no guarantee that you will actually receive any of the amounts listed below.
(for holdings with activity this period)
0001 090227 0001 900322993 04 18 000
-- not available
includes interest payments for fixed rate bonds.
includes maturing principal payments for the following bonds: fixed rate, floating rate, variable rate, discount and zero coupon.
includes interest payments for fixed rate Certificates of Deposit (CDs).
includes maturing principal payments for fixed rate Certificates of Deposit (CDs).
Please refer to the Help/Glossary section of Fidelity.com for additional information including specific calculations.
BORIS M NEKRITIN - INDIVIDUAL TOD301-162698
Core account income $3.32Subtotal of Investment Activity $3.32
Deposits 1,400.00Subtotal of Cash Management Activity $1,400.00
2/27 Dividend received $3.32
2/13 MONEY LINE RECEIVED $1,400.00
2/ 13 $1,400.00 $33,188.06 2/ 27 3.32 33,191.38
February 1, 2009 - February 28, 2009
Page 6 of 28
Description Amount Balance Description Amount Balance
SettlementDate Security Description Quantity Price per Unit Transaction Amount
Date Description Amount Date Description Amount Date Description Amount
Date Amount Balance Date Amount Balance Date Amount Balance
Beginning $31,788.06
Ending $33,191.38
Deposits ( 1)
Total $1,400.00
Fidelity Account
Investment Report
Core Account
FIDELITY MASS MUNIMONEY MARKET
0001 090227 0001 900322993 04 18 000
- Fidelity Mass Muni Money Market
Investment ActivityCash Management Activity
Fidelity Mass Muni Money Market @ $1 per share (the following is provided to you in accordance with industry regulations)
BORIS M NEKRITIN - INDIVIDUAL TOD301-162698
Investment Activity
Cash Management Activity
Daily Additions and Subtractions
Beginning mkt value as of Feb 1 $180.07Change in investment value 0.02Ending mkt value as of Feb 28 180.09
Credit balance 9.59
Your commission schedule GoldAccount eligible trades from Mar 2008 - 0Feb 2009
( ) 180.090 $1.000 $180.07 $180.09
Credit balance 9.59 9.59
Core account income $0.02
Subtotal of Investment Activity $0.02
2/27 Dividend received $0.02
Dividends $0.02 $0.04
February 1, 2009 - February 28, 2009
Page 7 of 28
Performance Quantity Price per Unit Total Value Total Value (Symbol) as of February 28, 2009 February 28, 2009 February 28, 2009 February 28, 2009 February 1, 2009 February 28, 2009
Description Amount Balance Description Amount Balance
SettlementDate Security Description Quantity Price per Unit Transaction Amount
This Period Year to Date
Ending Net Value $189.68
Core Account
Beginning $189.66Ending $189.68
Tax-exempt
Fidelity Account
Transaction Details
Investment Report
Account Summary
Holdings
Core Account
Income Summary
100% of holdingsFIDELITY MASS MUNI MONEY MARKET FDMXX
(for holdings with activity this period)
FIDELITY MASS MUNIMONEY MARKET
0001 090227 0001 900322993 04 18 000
7-day yield: 0.22%
- Fidelity Mass Muni Money Market
Investment Activity
BORIS M NEKRITIN - INDIVIDUAL TODX19-350044
Investment Activity
2/ 27 $0.02 $180.09
Beginning mkt value as of Feb 1 $143.66Change in investment value -0.67Ending mkt value as of Feb 28 142.99
Credit balance 38.06Short balance -38.06
Your commission schedule GoldAccount eligible trades from Mar 2008 - 0Feb 2009
( ) 68.000 $0.040 $3.40 $2.72
( ) 140.270 1.000 140.26 140.27
Dividends $0.01 $0.03
February 1, 2009 - February 28, 2009
Page 8 of 28
Date Amount Balance Date Amount Balance Date Amount Balance
Performance Quantity Price per Unit Total Value Total Value (Symbol) as of February 28, 2009 February 28, 2009 February 28, 2009 February 28, 2009 February 1, 2009 February 28, 2009
R
This Period Year to Date
Ending Net Value $142.99
Stocks
Core Account
Tax-exempt
Fidelity Account
Fidelity Account
Investment Report
Account Summary
Holdings
Income Summary
2% of holdings
98% of holdings
WE R YOU CORP COM WERU
FIDELITY MASS MUNI MONEY MARKET FDMXX
0001 090227 0001 900322993 04 18 000
Fidelity Mass Muni Money Market @ $1 per share (the following is provided to you in accordance with industry regulations)
7-day yield: 0.22%
BORIS M NEKRITIN - INDIVIDUAL TOD
BORIS M NEKRITIN AND ALEXANDER NEKRITIN - WITH RIGHTS OF SURVIVORSHIP TOD
X19-350044
X19-262145
Daily Additions and Subtractions
Credit balance 38.06 38.06Short balance - 38.06 -38.06
Core account income $0.01
Subtotal of Investment Activity $0.01
2/27 Dividend received $0.01
2/ 27 $0.01 $140.27
February 1, 2009 - February 28, 2009
Page 9 of 28
Performance Quantity Price per Unit Total Value Total Value (Symbol) as of February 28, 2009 February 28, 2009 February 28, 2009 February 28, 2009 February 1, 2009 February 28, 2009
Description Amount Balance Description Amount Balance
SettlementDate Security Description Quantity Price per Unit Transaction Amount
Date Amount Balance Date Amount Balance Date Amount Balance
Total Market Value 142.99
Total Net Value $142.99
Beginning $140.26Ending $140.27
Fidelity Account
Transaction Details
Investment Report
Holdings
Core Account
(for holdings with activity this period)
FIDELITY MASS MUNIMONEY MARKET
0001 090227 0001 900322993 04 18 000
- Fidelity Mass Muni Money Market
Investment Activity
Fidelity Mass Muni Money Market @ $1 per share (the following is provided to you in accordance with industry regulations)
R - Restricted.
BORIS M NEKRITIN AND ALEXANDER NEKRITIN - WITH RIGHTS OF SURVIVORSHIP TODX19-262145
Investment Activity
Daily Additions and Subtractions
Beginning mkt value as of Feb 1 $32,124.90Withdrawals -1,400.00Transaction costs, loads and fees -106.03Change in investment value 1,885.01Change in credit balance 16,743.30Ending mkt value as of Feb 28 49,247.18
Credit balance 2,115.50
Your commission schedule GoldAccount eligible trades from Mar 2008 - 77Feb 2009
-5.000 $0.050 -$413.25 -$25.00
-3.000 0.050 -185.25 -15.00
( ) 49,287.180 1.000 not applicable $32,320.90 49,287.18
Credit balance 18,858.80 2,115.50
Dividends $4.01 $7.02Short-term gain $602.57 $1,324.82Long-term gain $717.90 $1,306.35
February 1, 2009 - February 28, 2009
Page 10 of 28
Performance Quantity Price per Unit Total Cost Total Value Total Value (Symbol) as of February 28, 2009 February 28, 2009 February 28, 2009 February 28, 2009 Basis/Proceeds February 1, 2009 February 28, 2009
M
M
This Period Year to Date This Period Year to Date
Ending Net Value $51,362.68
Options
Core Account
Total Market Value 49,247.18
Total Net Value $51,362.68
Tax-exempt
Fidelity Account
Transaction Details
Investment Report
Account Summary
Holdings
Income Summary Realized Gain/Loss from Sales
0% of holdings
100% of holdings
PUT (RZD) S & P 100 INDEX
FEB 340 (100 SHS) (RZDNH )
PUT (RZD) S & P 100 INDEX
FEB 330 (100 SHS) (RZDNF )
FIDELITY MASS MUNI MONEY MARKET FDMXX
(for holdings with activity this period)
0001 090227 0001 900322993 04 18 000
SHT
SHT
7-day Yield: 0.22%
M - Position held in margin account.
SHT - short position.
This may not reflect all of your gains/losses because ofincomplete cost basis.
BORIS M NEKRITIN AND NINA G NEKRITIN - WITH RIGHTS OF SURVIVORSHIP TODZ42-254967
Securities bought -$33.00Securities sold 1,651.97Core account income 4.01
Subtotal of Investment Activity $1,622.98
Other withdrawals -1,400.00Subtotal of Cash Management Activity - $1,400.00
2/02 You bought 5.000 $0.05000 -$166.25 -$33.00Transaction cost: -$8.00
2/02 You sold -5.000 0.35000 166.25Transaction cost: -$8.75
2/03 Expired 3.000 -112.00 0.00
2/03 Expired 5.000 -92.00 0.00
2/03 Expired 3.000 -67.00 0.00
February 1, 2009 - February 28, 2009
Page 11 of 28
Description Amount Balance Description Amount Balance
SettlementDate Security Description Quantity Price per Unit Cost Basis of Close Transaction Amount
Beginning $51,179.70
Ending $51,402.68
Fidelity Account
Investment Report
Core Account
S & P 100 INDEXJAN 390 (100 SHS) CLOSINGTRANSACTION
S & P 100 INDEXJAN 390 (100 SHS) OPENINGTRANSACTION
S & P 100 INDEX JAN 420 (100SHS)
S & P 100 INDEX JAN 415 (100SHS)
S & P 100 INDEX JAN 375 (100SHS)
0001 090227 0001 900322993 04 18 000
- Fidelity Mass Muni Money Market
Investment Activity Cash Management Activity
Short-term gain: $53.30*Long-term gain: $79.95*
Short-term gain: $44.80Long-term gain: $67.20
Short-term gain: $36.80Long-term gain: $55.20
Short-term gain: $26.80Long-term gain: $40.20
f m
f m
f m
f m
BORIS M NEKRITIN AND NINA G NEKRITIN - WITH RIGHTS OF SURVIVORSHIP TODZ42-254967
Investment Activity
PUT (RZE)
PUT (RZE)
CALL (RZE)
CALL (RZE)
PUT (RZE)
2/05 You sold -5.000 0.25000 117.00Transaction cost: -$8.00
2/06 You sold -3.000 0.15000 37.00Transaction cost: -$8.00
2/10 Expired 3.000 -37.00 0.00
2/10 Expired 5.000 -117.00 0.00
2/12 Money line paid -1,400.00
2/17 You sold -7.000 0.06000 41.99Transaction cost: -$0.01
2/17 You sold -3.000 0.06000 9.99Transaction cost: -$8.01
2/17 You sold -10.000 0.08000 71.99Transaction cost: -$8.01
February 1, 2009 - February 28, 2009
Page 12 of 28
SettlementDate Security Description Quantity Price per Unit Cost Basis of Close Transaction Amount
Fidelity AccountTransaction Details
Investment Report
S & P 100 INDEXFEB 360 (100 SHS) OPENINGTRANSACTION REF/7CR/SCTS
S & P 100 INDEXFEB 415 (100 SHS) OPENINGTRANSACTION
S & P 100 INDEX FEB 415 (100SHS)
S & P 100 INDEX FEB 360 (100SHS)
ED63279335 /WEB
ISHARES TR RUSSELLFEB 49 (100 SHS) OPENINGTRANSACTION EXECINTERNATIONAL SECURITIESEXCH
ISHARES TR RUSSELLFEB 49 (100 SHS) OPENINGTRANSACTION
ISHARES TR RUSSELLFEB 39 (100 SHS) OPENINGTRANSACTION
0001 090227 0001 900322993 04 18 000
Short-term gain: $14.80Long-term gain: $22.20
Short-term gain: $46.80Long-term gain: $70.20
f m
f m
BORIS M NEKRITIN AND NINA G NEKRITIN - WITH RIGHTS OF SURVIVORSHIP TODZ42-254967
Investment Activity
PUT (KFA)
CALL (RZA)
CALL (RZA)
PUT (KFA)
EFT FUNDS PAID
CALL (IWM)
CALL (IWM)
PUT (IWM)
2/17 You sold -5.000 0.25000 117.00Transaction cost: -$8.00
2/17 You sold -5.000 0.50000 238.25Transaction cost: -$11.75
2/18 Expired 5.000 -117.00 0.00
2/18 Expired 5.000 -238.25 0.00
2/20 You sold -6.000 0.20000 112.00Transaction cost: -$8.00
2/20 You sold -6.000 0.25000 142.00Transaction cost: -$8.00
2/23 Expired 10.000 -51.98 0.00
2/23 Expired 10.000 -71.99 0.00
February 1, 2009 - February 28, 2009
Page 13 of 28
SettlementDate Security Description Quantity Price per Unit Cost Basis of Close Transaction Amount
Fidelity AccountTransaction Details
Investment Report
S & P 100 INDEXFEB 395 (100 SHS) OPENINGTRANSACTION
S & P 100 INDEXFEB 385 (100 SHS) OPENINGTRANSACTION
S & P 100 INDEX FEB 395 (100SHS)
S & P 100 INDEX FEB 385 (100SHS)
S & P 100 INDEXFEB 395 (100 SHS) OPENINGTRANSACTION
S & P 100 INDEXFEB 345 (100 SHS) OPENINGTRANSACTION
ISHARES TR RUSSELL FEB 49(100 SHS)
ISHARES TR RUSSELL FEB 39(100 SHS)
0001 090227 0001 900322993 04 18 000
Short-term gain: $46.80Long-term gain: $70.20
Short-term gain: $95.30Long-term gain: $142.95
Short-term gain: $51.98
Short-term gain: $71.99
f m
f m
f
f
BORIS M NEKRITIN AND NINA G NEKRITIN - WITH RIGHTS OF SURVIVORSHIP TODZ42-254967
Investment Activity
CALL (RZB)
PUT (RZB)
CALL (RZB)
PUT (RZB)
CALL (OEW)
PUT (OEW)
CALL (IWM)
PUT (IWM)
2/23 Expired 6.000 -112.00 0.00
2/23 Expired 6.000 -142.00 0.00
2/25 You sold -5.000 0.85000 413.25Transaction cost: -$11.75
2/26 You sold -3.000 0.65000 185.25Transaction cost: -$9.75
2/27 Dividend received 4.01
February 1, 2009 - February 28, 2009
Page 14 of 28
SettlementDate Security Description Quantity Price per Unit Cost Basis of Close Transaction Amount
Trade SettlementDate Date Security Description Quantity Price per Unit Cost Basis of Close Settlement Amount
Trades Pending Settlement on February 28, 2009
Fidelity AccountTransaction Details
Investment Report
S & P 100 INDEX FEB 395 (100SHS)
S & P 100 INDEX FEB 345 (100SHS)
S & P 100 INDEXFEB 340 (100 SHS) OPENINGTRANSACTION
S & P 100 INDEXFEB 330 (100 SHS) OPENINGTRANSACTION
MONEY MARKET
2/ 27 3/ 02 PUT (RZD) Sold -3.000 $0.25000 $67.00S & P 100 INDEX FEB 340(100 SHS) OPENINGTRANSACTION (RZDNH)
2/ 27 3/ 02 CALL (RZD) Sold -8.000 0.15000 112.00S & P 100 INDEX FEB 365(100 SHS) OPENINGTRANSACTION (RZDBM)
0001 090227 0001 900322993 04 18 000
Short-term gain: $44.80Long-term gain: $67.20
Short-term gain: $56.80Long-term gain: $85.20
f m
f m
f - FIFO (First-In, First-Out)
* This information has been previously reported and is reflected in year to date totals only.m - Under the IRC Section 1256, generally, 60% of your capital gain or loss will be treated as long-term and 40% will be treated as a short-term capital gain or loss.
This is true regardless of how long the position was actually held. If this contract was held on December 31 of the previous year, the basis and acquisition datehave been adjusted to include any gain or loss resulting from treating the security as sold on the last day of the year under the mark to market provisions of section1256. See IRS Publication 550 for more information.
BORIS M NEKRITIN AND NINA G NEKRITIN - WITH RIGHTS OF SURVIVORSHIP TODZ42-254967
Investment Activity
CALL (OEW)
PUT (OEW)
PUT (RZD)
PUT (RZD)
FIDELITY MASS MUNI
2/ 02 -$11,731.35 $20,589.55 2/ 04 -8.00 20,581.55 2/ 09 -3,937.30 16,644.25
2/ 12 33,422.70 50,066.95 2/ 19 -19,630.78 30,436.17 2/ 24 20,364.00 50,800.17
2/ 27 -1,512.99 49,287.18
Beginning value as of Feb 1 $29,613.36Change in investment value -294.11
Your commission schedule GoldAccount eligible trades from Mar 2008 - 0Feb 2009
February 1, 2009 - February 28, 2009
Page 15 of 28
Trade SettlementDate Date Security Description Quantity Price per Unit Cost Basis of Close Settlement Amount
Date Amount Balance Date Amount Balance Date Amount Balance
This Period Year to Date
Trades Pending Settlement on February 28, 2009
Ending value as of Feb 28 $29,319.25Tax-deferred $127.97 $261.59
Fidelity Account
Fidelity Rollover IRA
Investment Report
Transaction Details
Account Summary Income Summary
2/ 27 3/ 02 PUT (RZD) Bought 3.000 0.05000 -$185.25 -23.00S & P 100 INDEX FEB 330(100 SHS) CLOSINGTRANSACTION (RZDNF)
m Under the IRC Section 1256, generally, 60% of your capital gain or loss will be treated as long-term and 40% will be treated as a short-term captial gain or loss.This is true regardless of how long the position was actually held. If this contract was held on December 31 of the previous year, the basis and acquisition datehave been adjusted to include any gain or loss resulting from treating the security as sold on the last day of the year under the mark to market provisions of section1256. See IRS Publication 550 for more information.
0001 090227 0001 900322993 04 18 000
Short-term gain: $64.90Long-term gain: $97.35
Fidelity Mass Muni Money Market @ $1 per share (the following is provided to you in accordance with industry regulations)
f m
f - FIFO (First-In, First-Out)
BORIS M NEKRITIN AND NINA G NEKRITIN - WITH RIGHTS OF SURVIVORSHIP TOD
BORIS M NEKRITIN - ROLLOVER IRA - FIDELITY MANAGEMENT TRUST CO - CUSTODIAN
Z42-254967
301-409910
Daily Additions and Subtractions
( ) 1,218.939 $11.120 $8,100.00 $13,818.53 $13,554.60 ( ) 594.927 10.030 5,000.00 5,970.69 5,967.12
( ) 911.055 10.740 8,084.22 6,697.43 9,784.73
( ) 12.800 1.000 not applicable 12.79 12.80
Securities bought -$3,212.18Securities sold 3,084.22
Core account income 0.01Income 127.96
Subtotal of Investment Activity $0.01
2/02 You bought 285.576 $10.80000 -$3,084.22
2/02 You sold -228.461 13.50000 $4,550.00 3,084.22
2/27 Dividend received 75.47
2/27 Reinvestment 6.787 11.12000 -75.47
2/27 Dividend received 0.01
February 1, 2009 - February 28, 2009
Page 16 of 28
Performance Quantity Price per Unit Total Value Total Value (Symbol) as of February 28, 2009 February 28, 2009 February 28, 2009 February 28, 2009 Cost February 1, 2009 February 28, 2009
Description Amount Balance Description Amount Balance
SettlementDate Security Description Quantity Price per Unit Cost Transaction Amount
Mutual Funds
Core Account
Total Market Value $29,319.25
Beginning $12.79
Ending $12.80
Fidelity Rollover IRA
Transaction Details
Investment Report
Holdings
Core Account
100% of holdings
0% of holdings
FIDELITY NEW MARKETS INCOME FNMIX
FIDELITY MORTGAGE SECURITIES FMSFX
FIDELITY GOVERNMENT INCOME FGOVX
FIDELITY CASH RESERVES FDRXX
(for holdings with activity this period)
INCOME +
COMPANY STOCK
INCOME
INCOME
RESERVES
0001 090227 0001 900322993 04 18 000
30-day Yield: 10.66% 30-day Yield: 5.21% 30-day Yield: 3.16%
7-day Yield: 1.01%
- Fidelity Cash Reserves
Investment Activity
Transaction Loss $1,465.78
All positions held in cash account unless indicated otherwise.
BORIS M NEKRITIN - ROLLOVER IRA - FIDELITY MANAGEMENT TRUST CO - CUSTODIAN301-409910
Investment Activity
FIDELITY GOVERNMENT
FIDELITY LEVERAGED
FIDELITY NEW MARKETS
FIDELITY NEW MARKETS
FIDELITY CASH
2/27 Dividend received 26.05
2/27 Reinvestment 2.597 10.03000 -26.05
2/27 Dividend received 26.44
2/27 Reinvestment 2.462 10.74000 -26.44
2/ 27 $0.01 $12.80
Beginning value as of Feb 1 $37,379.59Change in investment value -3,089.81
Your commission schedule GoldAccount eligible trades from Mar 2008 - 0Feb 2009
February 1, 2009 - February 28, 2009
Page 17 of 28
SettlementDate Security Description Quantity Price per Unit Cost Transaction Amount
Date Amount Balance Date Amount Balance Date Amount Balance
This Period Year to Date
Ending value as of Feb 28 $34,289.78Tax-free $42.09 $83.08
Fidelity Rollover IRATransaction Details
Fidelity Roth IRA
Investment Report
Account Summary Income Summary
SECURITIES
SECURITIES
INCOME
INCOME
0001 090227 0001 900322993 04 18 000
Fidelity Cash Reserves @ $1 per share (the following is provided to you in accordance with industry regulations)
+ Prospectus sent under separate cover.Cost basis and gain/loss information is provided as a service to our customers and is based on standards for filing US Federal Tax Returns as determined by Fidelity. This information is notintended to address tax law or reporting requirements applicable in your country of tax residence.
BORIS M NEKRITIN - ROLLOVER IRA - FIDELITY MANAGEMENT TRUST CO - CUSTODIAN
BORIS M NEKRITIN - ROTH INDIVIDUAL RETIREMENT ACCOUNT - FMTC CUSTODIAN
301-409910
119-348520
Investment Activity
Daily Additions and Subtractions
FIDELITY MORTGAGE
FIDELITY MORTGAGE
FIDELITY GOVERNMENT
FIDELITY GOVERNMENT
( ) 121.084 $39.570 $7,020.00 $5,168.49 $4,791.29 ( ) 539.513 9.920 7,128.26 6,900.37 5,351.97
( ) 902.932 11.180 7,700.74 10,000.58 10,094.78 ( ) 420.703 11.790 6,570.00 5,300.86 4,960.09
( ) 461.141 19.650 10,600.00 9,979.09 9,061.42
( ) 30.230 1.000 not applicable 30.20 30.23
Securities bought -$42.06Core account income 0.03
Income 42.06Subtotal of Investment Activity $0.03
2/13 Dividend received $1.822/13 Reinvestment 0.042 $42.99000 -1.822/27 Dividend received 0.03
2/27 Dividend received 40.242/27 Reinvestment 3.599 11.18000 -40.24
February 1, 2009 - February 28, 2009
Page 18 of 28
Performance Quantity Price per Unit Total Value Total Value (Symbol) as of February 28, 2009 February 28, 2009 February 28, 2009 February 28, 2009 Cost February 1, 2009 February 28, 2009
Description Amount Balance Description Amount Balance
SettlementDate Security Description Quantity Price per Unit Transaction Amount
Mutual Funds
Core Account
Total Market Value $34,289.78
Beginning $30.20
Ending $30.23
Fidelity Roth IRA
Transaction Details
Investment Report
Holdings
Core Account
100% of holdings
0% of holdings
FIDELITY CONTRAFUND FCNTX
FIDELITY REAL ESTATE INVESTMENT FRESX
FIDELITY GINNIE MAE FGMNX
FIDELITY BALANCED FBALX
FIDELITY LOW PRICED STOCK FLPSX
FIDELITY CASH RESERVES FDRXX
(for holdings with activity this period)
FIDELITY CONTRAFUND
FIDELITY CONTRAFUND
FIDELITY CASHRESERVES
FIDELITY GINNIE MAE
FIDELITY GINNIE MAE
0001 090227 0001 900322993 04 18 000
30-day Yield: 4.79%
7-day Yield: 1.01%
- Fidelity Cash Reserves
Investment Activity
e
e
All positions held in cash account unless indicated otherwise.
e - The Cost amount for this security was estimated based on the fair market value of this security when it was originally deposited into your account. You may change this amount on
Fidelity.com if it does not agree with your records.
BORIS M NEKRITIN - ROTH INDIVIDUAL RETIREMENT ACCOUNT - FMTC CUSTODIAN119-348520
Investment Activity
2/ 27 $0.03 $30.23
Beginning value as of Feb 1 $106,317.51Transaction costs, loads and fees -138.05Change in investment value -8,881.70
Your commission schedule GoldAccount eligible trades from Mar 2008 - 181Feb 2009
500.000 $27.520 $25,227.06 $18,045.00 $13,760.00
( ) 500.000 39.150 29,534.20 22,240.00 19,575.00 ( ) 500.000 7.600 4,769.78 4,620.00 3,800.00
( ) 1,100.000 16.470 28,217.12 10,152.00 18,117.00
-5.000 5.800 -3,188.23 -2,900.00
-5.000 0.440 -223.24 -220.00
-5.000 0.220 -141.99 -110.00
February 1, 2009 - February 28, 2009
Page 19 of 28
Date Amount Balance Date Amount Balance Date Amount Balance
Performance Quantity Price per Unit Total Value Total Value (Symbol) as of February 28, 2009 February 28, 2009 February 28, 2009 February 28, 2009 Cost February 1, 2009 February 28, 2009
This Period Year to Date
Ending value as of Feb 28 $97,297.76
Stocks
Options
Tax-deferred $70.30 $156.55
Fidelity Roth IRA
Fidelity SEP-IRA
Investment Report
Account Summary
Holdings
Income Summary
55% of holdings
0% of holdings
ISHARES TR COHEN & STEERS REALTY MAJORS
INDEX FD (ICF )
ISHARES TR RUSSELL 2000 INDEX FD IWM
SECTOR SPDR TR SHS BEN INT FINANCIAL XLF
SEMICONDUCTOR HOLDRS TR DEP RCPT SMH
PUT (IJE) ISHARES TR COHEN &
MAR 34 (100 SHS) (IJEOH )
PUT (JZW) ISHARES TR RUSSELL
MAR 34 (100 SHS) (JZWOH )
CALL (XJZ) SECTOR SPDR TR SHS
MAR 9 (100 SHS) (XJZCI )
0001 090227 0001 900322993 04 18 000
Fidelity Cash Reserves @ $1 per share (the following is provided to you in accordance with industry regulations)
SHT
SHT
SHT
BORIS M NEKRITIN - ROTH INDIVIDUAL RETIREMENT ACCOUNT - FMTC CUSTODIAN
BORIS M NEKRITIN - SEP-IRA - FIDELITY MANAGEMENT TRUST CO - CUSTODIAN
119-348520
301-412244
Daily Additions and Subtractions
-5.000 0.150 -166.24 -75.00
-4.000 0.270 -111.99 -108.00
-5.000 0.130 -91.99 -65.00
( ) 45,523.760 1.000 not applicable 57,286.51 45,523.76
Securities bought -$16,056.75Securities sold 4,228.90Core account income 44.98Income 25.32
Subtotal of Investment Activity - $11,757.55
Account fees and charges -5.20Subtotal of Cash Management Activity - $5.20
February 1, 2009 - February 28, 2009
Page 20 of 28
Performance Quantity Price per Unit Total Value Total Value (Symbol) as of February 28, 2009 February 28, 2009 February 28, 2009 February 28, 2009 Cost February 1, 2009 February 28, 2009
Description Amount Balance Description Amount Balance
Core Account
Total Market Value $97,297.76
Beginning $57,286.51
Ending $45,523.76
Fidelity SEP-IRA
Transaction Details
Investment Report
Holdings
Core Account
45% of holdings
PUT (XJZ) SECTOR SPDR TR SHS
MAR 6 (100 SHS) (XJZOF )
CALL (SZS) SEMICONDUCTOR HOLDRS
MAR 18 (100 SHS) (SZSCR )
PUT (SZS) SEMICONDUCTOR HOLDRS
MAR 14 (100 SHS) (SZSON )
FIDELITY CASH RESERVES FDRXX
(for holdings with activity this period)
0001 090227 0001 900322993 04 18 000
SHT
SHT
SHT
7-day Yield: 1.01%
- Fidelity Cash Reserves
Investment Activity Cash Management Activity
All positions held in cash account unless indicated otherwise.
SHT - short position.
BORIS M NEKRITIN - SEP-IRA - FIDELITY MANAGEMENT TRUST CO - CUSTODIAN301-412244
2/11 Dividend received $14.52
2/12 You bought 5.000 $0.02000 -$263.24 -18.00Transaction cost: -$8.00
2/12 Assigned 5.000 0.00
2/13 You sold -5.000 0.35000 166.24Transaction cost: -$8.76
2/17 You sold -5.000 0.13000 56.99Transaction cost: -$8.01
2/17 You bought 5.000 0.02000 -213.74 -18.00Transaction cost: -$8.00
2/17 You bought 500.000 25.00000 -12,508.00Transaction cost: -$8.00
2/17 You sold -5.000 0.18000 81.99Transaction cost: -$8.01
February 1, 2009 - February 28, 2009
Page 21 of 28
SettlementDate Security Description Quantity Price per Unit Cost Transaction Amount
Fidelity SEP-IRA
Investment Report
TR DEP RCPT
ISHARES TR RUSSELLFEB 51 (100 SHS) CLOSINGTRANSACTION EXECINTERNATIONAL SECURITIESEXCH
SEMICONDUCTOR HOLDRSFEB 25 (100 SHS)
ISHARES TR RUSSELLFEB 47 (100 SHS) OPENINGTRANSACTION
ISHARES TR RUSSELLFEB 40 (100 SHS) OPENINGTRANSACTION EXECINTERNATIONAL SECURITIESEXCH REF/32F/SPAR
ISHARES TR RUSSELLFEB 35 (100 SHS) CLOSINGTRANSACTION EXECINTERNATIONAL SECURITIESEXCH
TR DEP RCPTASSIGNED PUTS
SEMICONDUCTOR HOLDRSFEB 19 (100 SHS) OPENINGTRANSACTION
0001 090227 0001 900322993 04 18 000
Transaction Profit $245.24
Transaction Profit $195.74
BORIS M NEKRITIN - SEP-IRA - FIDELITY MANAGEMENT TRUST CO - CUSTODIAN301-412244
Investment Activity
SEMICONDUCTOR HOLDRS
CALL (IWM)
PUT (SMH)
CALL (IWM)
PUT (IWM)
PUT (IWM)
SEMICONDUCTOR HOLDRS
CALL (SZS)
2/18 You bought 5.000 0.05000 -1,088.24 -33.00Transaction cost: -$8.00
2/19 You bought 5.000 0.02000 -166.24 -18.00Transaction cost: -$8.00
2/23 Expired 5.000 -56.99 0.00
2/23 You sold -5.000 6.40000 3,188.23Transaction cost: -$11.77
2/23 You bought 5.000 6.90000 -1,688.24 -3,461.75Transaction cost: -$11.75
2/23 Expired 5.000 -131.99 0.00
2/23 Expired 5.000 -166.24 0.00
2/23 Expired 5.000 -76.99 0.00
February 1, 2009 - February 28, 2009
Page 22 of 28
SettlementDate Security Description Quantity Price per Unit Cost Transaction Amount
Fidelity SEP-IRATransaction Details
Investment Report
ISHARES TR COHEN &FEB 40 (100 SHS) CLOSINGTRANSACTION
ISHARES TR RUSSELLFEB 47 (100 SHS) CLOSINGTRANSACTION EXECINTERNATIONAL SECURITIESEXCH
ISHARES TR RUSSELL FEB 40(100 SHS)
ISHARES TR COHEN &MAR 34 (100 SHS) OPENINGTRANSACTION REF/4CW/SPAR
ISHARES TR COHEN &FEB 35 (100 SHS) CLOSINGTRANSACTION
SECTOR SPDR TR SHS FEB 11(100 SHS)
SECTOR SPDR TR SHS FEB 7(100 SHS)
SECTOR SPDR TR SHS FEB 6(100 SHS)
0001 090227 0001 900322993 04 18 000
Transaction Profit $1,055.24
Transaction Profit $148.24
Transaction Profit $56.99
Transaction Loss $1,773.51
Transaction Profit $131.99
Transaction Profit $166.24
BORIS M NEKRITIN - SEP-IRA - FIDELITY MANAGEMENT TRUST CO - CUSTODIAN301-412244
Investment Activity
CALL (ICF)
CALL (IWM)
PUT (IWM)
PUT (IJE)
PUT (ICF)
CALL (XJZ)
PUT (XJZ)
PUT (XJZ)
2/23 Expired 11.000 -252.98 0.00
2/24 You sold -5.000 0.35000 166.24Transaction cost: -$8.76
2/25 You sold -5.000 0.47000 223.24Transaction cost: -$11.76
2/26 You sold -5.000 0.30000 141.99Transaction cost: -$8.01
2/26 You sold -4.000 0.30000 111.99Transaction cost: -$8.01
2/26 You sold -5.000 0.20000 91.99Transaction cost: -$8.01
2/27 Dividend received 44.98
2/27 Dividend received 6.60
2/27 Dividend received 4.20
2/27 Fee charged -2.40
February 1, 2009 - February 28, 2009
Page 23 of 28
SettlementDate Security Description Quantity Price per Unit Cost Transaction Amount
Fidelity SEP-IRATransaction Details
Investment Report
SEMICONDUCTOR HOLDRSFEB 19 (100 SHS)
SECTOR SPDR TR SHSMAR 6 (100 SHS) OPENINGTRANSACTION REF/HMC/SPAR
ISHARES TR RUSSELLMAR 34 (100 SHS) OPENINGTRANSACTION
SECTOR SPDR TR SHSMAR 9 (100 SHS) OPENINGTRANSACTION
SEMICONDUCTOR HOLDRSMAR 18 (100 SHS) OPENINGTRANSACTION
SEMICONDUCTOR HOLDRSMAR 14 (100 SHS) OPENINGTRANSACTION EXECINTERNATIONAL SECURITIESEXCH
RESERVES
TR DEP RCPT
TR DEP RCPT
TR DEP RCPT
0001 090227 0001 900322993 04 18 000
Transaction Profit $76.99
Transaction Profit $252.98
BORIS M NEKRITIN - SEP-IRA - FIDELITY MANAGEMENT TRUST CO - CUSTODIAN301-412244
Investment Activity
CALL (SZS)
PUT (XJZ)
PUT (JZW)
CALL (XJZ)
CALL (SZS)
PUT (SZS)
FIDELITY CASH
SEMICONDUCTOR HOLDRS
SEMICONDUCTOR HOLDRS
SEMICONDUCTOR HOLDRS
2/ 21/ 09 not applicable PUT (IJE) Buy limit 5.000 $0.05000 $5.80000
2/ 23/ 09 not applicable PUT (XJZ) Buy limit 5.000 0.02000 0.15000
2/ 24/ 09 not applicable PUT (JZW) Buy limit 5.000 0.02000 0.44000
2/ 27/ 09 not applicable CALL (IWM) Buy limit 5.000 0.02000 0.24000
February 1, 2009 - February 28, 2009
Page 24 of 28
Trade SettlementDate Date Security Description Quantity Price per Unit Settlement Amount
Date Entered Expiration Date Security Description Quantity Limit Price Market Price
Trades Pending Settlement on February 28, 2009
Fidelity SEP-IRA
Investment Report
Open Orders as of February 28, 2009
2/ 27 3/ 02 CALL (IWM) Sold -5.000 $0.30000 $141.99ISHARES TR RUSSELLMAR 44 (100 SHS)OPENINGTRANSACTION (IWMCR)
2/ 27 3/ 02 CALL (IJE) Sold -5.000 0.45000 213.74ISHARES TR COHEN &MAR 33 (100 SHS)OPENINGTRANSACTION (IJECG)
2/ 27 3/ 02 CALL (SZS) Sold -7.000 0.15000 96.99SEMICONDUCTORHOLDRS MAR 19 (100SHS) OPENINGTRANSACTION (SZSCS)
ISHARES TR COHEN &
MAR 34 (100 SHS)
(IJEOH )
SECTOR SPDR TR SHS
MAR 6 (100 SHS) (XJZOF
)
ISHARES TR RUSSELL
MAR 34 (100 SHS)
(JZWOH )
ISHARES TR RUSSELL
MAR 44 (100 SHS)
(IWMCR )
0001 090227 0001 900322993 04 18 000
All open GTC/GTX limit orders for stocks and bonds will expire 120 calendar days after they are established.
BORIS M NEKRITIN - SEP-IRA - FIDELITY MANAGEMENT TRUST CO - CUSTODIAN301-412244
2/ 11 Semiconductor holdrs8 -$2.80
2/ 11 $14.52 $57,301.03 2/ 12 -20.80 57,280.23 2/ 13 166.24 57,446.47 2/ 17 -12,387.02 45,059.45
2/ 18 -33.00 45,026.45 2/ 19 -18.00 45,008.45 2/ 23 -273.52 44,734.93 2/ 24 166.24 44,901.17
2/ 25 223.24 45,124.41 2/ 26 345.97 45,470.38 2/ 27 53.38 45,523.76
Beginning value as of Feb 1 $3,839.26Additions 210.00Change in investment value -246.75
Your commission schedule GoldAccount eligible trades from Mar 2008 - 0Feb 2009
( ) 304.652 $11.790 $3,936.53 $3,628.61 $3,591.85
2009 Partic. $210.00 $420.00
February 1, 2009 - February 28, 2009
Page 25 of 28
Date Description Amount Date Description Amount Date Description Amount
Date Amount Balance Date Amount Balance Date Amount Balance
Performance Quantity Price per Unit Total Value Total Value (Symbol) as of February 28, 2009 February 28, 2009 February 28, 2009 February 28, 2009 Cost February 1, 2009 February 28, 2009
This Period Year to Date This Period Year to Date
Fees and Charges
Total -$2.80
Ending value as of Feb 28 $3,802.51
Mutual Funds
Tax-deferred $0.01 $0.27
Fidelity SEP-IRA
Fidelity SIMPLE-IRA
Investment Report
Account Summary
Holdings
Income Summary Contributions/Distributions
94% of holdingsFIDELITY BALANCED FBALX
0001 090227 0001 900322993 04 18 000
Fidelity Cash Reserves @ $1 per share (the following is provided to you in accordance with industry regulations)
BORIS M NEKRITIN - SEP-IRA - FIDELITY MANAGEMENT TRUST CO - CUSTODIAN
FOR THE BENEFIT OF BORIS M NEKRITIN - NCMFX INC - SIMPLE IRA - FIDELITYMANAGEMENT TRUST COMPANY CUSTODIAN ESTABLISHED 04/30/07
301-412244
329-425370
Cash Management Activity
Daily Additions and Subtractions
( ) 210.660 1.000 not applicable 210.65 210.66
Securities bought -$210.00Other additions 210.00
Core account income 0.01Subtotal of Investment Activity $0.01
2/02 You bought 16.667 $12.60000 -$210.00
2/27 Employee contr cur yr 210.00
2/27 Dividend received 0.01
February 1, 2009 - February 28, 2009
Page 26 of 28
Performance Quantity Price per Unit Total Value Total Value (Symbol) as of February 28, 2009 February 28, 2009 February 28, 2009 February 28, 2009 Cost February 1, 2009 February 28, 2009
Description Amount Balance Description Amount Balance
SettlementDate Security Description Quantity Price per Unit Transaction Amount
Trade SettlementDate Date Security Description Quantity Price per Unit Settlement Amount
Core Account
Total Market Value $3,802.51
Beginning $210.65
Ending $210.66
Trades Pending Settlement on February 28, 2009
Fidelity SIMPLE-IRA
Transaction Details
Investment Report
Holdings
Core Account
6% of holdingsFIDELITY CASH RESERVES FDRXX
(for holdings with activity this period)
FIDELITY BALANCEDCONTRIBUTION ALLOCAT +
PAYROLL DEDUCTIONPARTIC CONTRIBUTION
FIDELITY CASHRESERVES
2/ 27 3/ 02 FIDELITY BALANCED Bought 17.812 $11.79000 -$210.00PROSPECTUS UNDERSEPARATE COVERCONTRIBUTIONALLOCAT (FBALX)
0001 090227 0001 900322993 04 18 000
7-day Yield: 1.01%
- Fidelity Cash Reserves
Investment Activity
Position held in cash account.
+ Prospectus sent under separate cover.
FOR THE BENEFIT OF BORIS M NEKRITIN - NCMFX INC - SIMPLE IRA - FIDELITYMANAGEMENT TRUST COMPANY CUSTODIAN ESTABLISHED 04/30/07
329-425370
Investment Activity
2/ 02 -$210.00 $0.65 2/ 27 210.01 210.66
Fidelity-provided estimated cost basis, gain/loss, and holding period information may not reflect all adjustments necessary for tax reporting purposes. Taxpayersshould verify such information against their own records when calculating reportable gain or loss resulting from a sale, redemption or exchange. Amortization,accretion and similar adjustments to cost basis are provided for many fixed income securities (and some bond-like equities), however, they are not provided for certainfixed income securities, such as short-term instruments, Unit Investment Trusts, foreign fixed income securities, or those that are subject to early prepayment ofprincipal (pay downs).
- Adjusted cost basis information is shown where this indicator is displayed. The adjusted cost basis reflects any cumulative original issue discount, premium, oracquisition premium, and it assumes such amounts were amortized by the taxpayer over the life of the security from acquisition date through disposition date. Forsecurities still held, maturity date was used instead of disposition date. Premium amortization was calculated using the yield-to-maturity method. Acquisitionpremium was calculated using the ratable accrual method. If applicable, adjusted cost basis reflects market discount accretion which was calculated using thestraight-line method and was recognized at disposition date. Any gain/loss or wash sale disallowed loss displayed for this transaction or position was based onadjusted cost basis. The adjusted cost basis may not reflect all adjustments necessary for tax reporting purposes and may also not apply if you are using analternative amortization calculation method. Consult your tax advisor and/or refer to IRS Publication 550, Investment Income and Expenses, for additionalinformation.
If total cost basis information is provided for multiple tax lots, that total cost basis information (and any associated gain/loss displayed) may have been calculated usinga combination of adjusted cost basis information (as described above) and non-adjusted cost basis information. Total cost basis information (and any associatedgain/loss displayed) is calculated using adjusted cost basis for lots for which adjusted cost basis is provided and non-adjusted cost basis for lots for which adjusted costbasis is not provided or not applicable.
February 1, 2009 - February 28, 2009
Page 27 of 28
Date Amount Balance Date Amount Balance Date Amount Balance
Fidelity SIMPLE-IRA
Investment Report
B
0001 090227 0001 900322993 04 18 000
Fidelity Cash Reserves @ $1 per share (the following is provided to you in accordance with industry regulations)
FOR THE BENEFIT OF BORIS M NEKRITIN - NCMFX INC - SIMPLE IRA - FIDELITYMANAGEMENT TRUST COMPANY CUSTODIAN ESTABLISHED 04/30/07
329-425370
Cost Basis Information and Endnotes
Daily Additions and Subtractions
Information About Your Fidelity Statement
Additional Information About Your Brokerage Account, If Applicable
For TDD Service for the Hearing-Impaired, call 800-544-0118, 9 am - 9 pm ET, 7 days a week.For 24 Hour worldwide customer service, call 800-529-2164 for American Express or
800-323-5353 for VISA ® Gold Check Card.Make checks payable to Fidelity Investments. Include your account
number on the check. For retirement and health savings accounts (HSA), designate in the memo field whetheryour contribution is for the current or prior year. Mail to: Fidelity Investments, P.O.Box 770001, Cincinnati, OH45277-0003.
Shows income by tax status for the statement and year-to-date periods. Except for interestincome earned on, or distributed by, tax-exempt securities, Fidelity reports dividends and capital gains held intaxable accounts as taxable income. A portion of income reported as tax-exempt income may be subject toalternative minimum taxes and/or state and local taxes. In Traditional IRAs, Rollover IRAs, SEP-IRAs, SIMPLEIRAs and Keoghs, earnings are reported as tax-deferred income. In Roth IRAs and HSAs, earnings arereported as tax-exempt income as they may be federally tax-exempt if certain conditions are met.
The appreciation or depreciation of your holdings due to price changes, plus anydistributions and income earned during the statement period, less any transaction costs, sales charges, or fees.
Fidelity-provided estimated cost basis, realizedgain/loss, and holding period information may not reflect all adjustments necessary for tax reporting. Taxpayersshould verify such information when calculating reportable gain/loss from a sale, redemption, or exchange.Fidelity does not report such information to taxing authorities and is not responsible for the accuracy ofinformation taxpayers may be required to report. Fidelity makes no warranties with respect to, and specificallydisclaims any liability arising out of a customer's use of, or any tax position taken in reliance upon, suchinformation. Unless otherwise specified, Fidelity determines cost basis at the time of sale based on the averagecost-single category (ACSC) method (for open-end mutual funds) and the first-in, first-out (FIFO) method for allother securities.
Fidelity provides purchase cost information for securities held in retirement and HSA accounts. Suchinformation may be adjusted for certain transactions and does not reflect dividends or capital gainsreinvestments. Fidelity reports transaction profit or loss information when securities are sold within a retirementor HSA account. Transaction profit or loss is calculated by subtracting purchase cost from sales proceeds usingthe FIFO method if shares were purchased at different times or prices.
If a wash sale occurs, the loss from the transaction is disallowed for federal income tax purposes
but may be added to the cost basis of the newly-purchased shares. Fidelity adjusts the cost basis ofnewly-purchased shares when a wash sale occurs within an account as the result of an identical securitypurchase. Fidelity does not report disallowed losses or adjust cost basis related to wash sales triggered bysales and purchases of the same security or by sales and purchases of "substantiallyidentical" securitiesWe deliver statements at least four times during the calendar year for any account with a balance. Pleasereview your statement and report any inaccuracies or discrepancies. Inquires, concerns or questions regardingyour brokerage account or the activity therein should be directed to Fidelity Brokerage Services LLC (FBS) bycalling 800-544-6666, and NFS, who carries your brokerage accounts, by calling 800-800-6890. Any oralcommunications regarding inaccuracies or discrepancies should be reconfirmed in writing to protect your rights,including those under the Securities Investor Protection Act ("SIPA"). Please advise us of material changes inyour investment objectives or financial situation related to your brokerage account(s).
Each fund reserves the right to terminate or modify its exchange privilege in the future. In addition to salesloads and 12b-1 fees described in the prospectus, FBS or NFS receives other compensation in connection withthe purchase and/or the on-going maintenance of positions in certain mutual fund shares and other investmentproducts in your brokerage account. This additional compensation may be paid by the mutual fund or otherinvestment product, its investment advisor or one of its affiliates. Additional information about the source(s) andamount(s) of compensation as well as other remuneration received by FBS or NFS will be furnished to youupon written request. At the time you purchase shares of a no-load fund, those shares will be assigned either atransaction fee (TF) or no transaction fee (NTF) status. When you subsequently sell those shares, anyapplicable fees will be assessed based on the status assigned to the shares at the time of purchase.
You are entitled to free credit balances in your brokerage account, subject toopen commitments of your cash accounts. Free credit balances are not segregated and may be used in NFS'sbusiness in accordance with federal securities law. There is no free credit balance in a retirement or HSA.
Only securities in the margin portion of your brokerageaccount contribute to margin and maintenance requirements. Assets, that may be reported on your statement,maintained with Fidelity Investments Life Insurance Company and mutual fund only accounts held directly withthe fund (Fidelity Mutual Fund Accounts) are not carried by NFS, not covered by the Securities InvestorProtection Corporation (SIPC) and do not count toward your margin and maintenance requirements. Assetsheld by Portfolio Advisory Services are carried by and covered by SIPC but do not contribute to your marginand maintenance requirements.
Securities sold short are held in a segregated short account. These securities aremarked-to-market, and any increase or decrease from the short sale price is transferred weekly to your marginaccount. Fidelity represents your short account balance as of the last weekly mark-to-market, not as of thestatement end date.
Each transaction confirmation previously delivered to youcontains full information about commissions and other changes. Assignments of American and European-styleoptions are allocated among customer short positions pursuant to a random allocation procedure, a descriptionis available upon request. Short positions in American-style options are liable for assignment anytime. Thewriter of a European-style option is subject to exercise assignment only during the exercise period. For moreinformation, please call Fidelity at 800-544-6666.
Shares credited to your account resulted from transactions effected as agentby either FBS or the Depository Trust Company (DTC) as agent for your account.
The Total Market Value has been calculated out to 9 decimal places;however, the individual unit price is displayed in 5 decimal places. The Total Market Value represents pricesobtained from various sources, may be impacted by the frequency with which such prices are reported andsuch prices are not guaranteed. Prices received from pricing vendors are generally based on current marketquotes, but when such quotes are not available the pricing vendors use a variety of techniques to estimatevalue. These estimates, particularly for fixed income securities, may be based on certain minimum principalamounts (e.g. $1 million) and may not reflect all of the factors that affect the value of the security, includingliquidity risk. The prices provided are not firm bids or offers. Certain securities may reflect N/A or unavailablewhere the price for such security is generally not available from a pricing source. The Market Value of asecurity, including those priced at par value, may differ from its purchase price and may not closely reflect thevalue at whcih the security may be sold or purchased based on various market factors. The sale or redemptionof any fixed income security prior to maturity may result in a substantial gain or loss. Fidelity carries certificatesof deposits (CDs) at their face value. A penalty may apply to the early withdrawal of a CD. You may sell CDs inthe secondary market subject to market conditions. You should always request a current valuation for yoursecurities prior to making a financial decision or placing an order. In executing orders on the Floor, the Floor
broker may permit the specialist to trade on parity with the order for some or all of the executions associatedwith filling that order, where such permission would not be inconsistent with the broker's best executionobligations. Investments such as direct participation program securities (e.g., partnerships, limited liabilitycompanies, and real estate investment trusts which are not listed on any exchange), commodity pools, privateequity, private debt and hedge funds are generally illiquid investments and their current values may be differentfrom the purchase price. Unless otherwise indicated, the values shown in this statement for such investmentshave been provided by the management, administrator or sponsor of each program or a third-party vendorwithout independent verification by Fidelity Brokerage Services (FBS) and represent their estimate of the valueof the investor's participation in the program, as of a date no greater than 12 months from the date of thisstatement. Therefore, the estimated values shown herein may not necessarily reflect actual market values orbe realized upon liquidation. If an estimated value is not provided, valuation information is not available.Securities in accounts carried by NFS, a Fidelity Investments company, are protected in accordance with theSecurities Investor Protection Corporation ("SIPC") up to $500,000 (including cash claims limited to $100,000).For details, including the SIPC brochure, please see www.sipc.org or call 1-202-371-8300. NFS has arrangedfor additional protection for cash and covered securities to supplement its SIPC coverage. This additionalprotection covers total account net equity in excess of the $500,000/$100,000 coverage provided by SIPC.Neither coverage protects against a decline in the market value of securities.Fidelity Distributors Corporation (FDC) is the distributor for Fidelity Funds and FBS acts as agent for FDC withrespect to Fidelity Mutual Fund Accounts. Fidelity brokerage services are provided by FBS, which clears alltransactions through its affiliate, NFS. NFS carries all brokerage accounts. FBS and NFS are members of theNYSE and SIPC. FBS, NFS, and FDC are direct or indirect subsidiaries of FMR LLC. Upon written request,Fidelity will mail an NFS financial statement, which is also available for inspection at its office. Fidelity PortfolioAdvisory Service® is a service of Strategic Advisers, Inc., a registered investment advisor and a FidelityInvestments company. Fidelity Private Portfolio Service® may be offered through the following FidelityInvestments Companies: Strategic Advisers, Inc., Fidelity Personal Trust Company, FSB ("FPT"), a federalsavings bank, or Fidelity Management Trust Company ("FMTC"). Non-deposit investment products and trustservices offered through FPT and FMTC and their affiliates are not insured or guaranteed by the FDIC or anyother government agency, are not obligations of any bank, and are subject to risk, including possible loss ofprincipal. These services provide discretionary money management for a fee. Fidelity Investments (withpyramid logo) is a trademark of FMR LLC. Insurance products are distributed by FBS, Fidelity InsuranceAgency, Inc., and Fidelity Investments Insurance Agency of Texas, Inc. Mutual fund shares, other securitiesheld in your account, and insurance products are neither deposits or obligations of, nor endorsed or guaranteedby, any bank or other depositing institution, nor are they federally insured by the FDIC or any other agency. Ifyou request a reprint of your statement, the disclosure information may not be the same as the informationoriginally provided. Written inquiries may be mailed to: Fidelity Investments, Client Services, P.O. Box 770001,Cincinnati, OH 45277-0045. To confirm that an authorized, direct deposit has been made to your FidelityAccount or Fidelity Mutual Fund Account, call Fidelity at 1-800-544-5555. 409955.10.0
Lost or Stolen Cards
Additional Investments with Fidelity
Income Summary
Change in Investment Value
Cost Basis, Gain/Loss, and Holding Period Information
Cost
Wash Sales
Information About Mutual Funds and Their Performance An investment in a money market fund is notinsured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other governmentagency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it ispossible to lose money by investing in the fund. Before investing, consider the funds' investmentobjectives, risks, charges, and expenses. Contact Fidelity for a prospectus containing this information.Read it carefully. Performance data shown represents past performance and is no guarantee of futureresults. Investment return and principal value will fluctuate, so you may have a gain or loss whenshares are sold. Current performance may be higher or lower than that quoted. VisitFidelity.com/performance for most recent month-end performance.
Customer Free Credit Balance
Assets Separate from Your Brokerage Account
Short Account Balances
Information About Your Option Transactions
Equity Dividend Reinvestment
Price Information/Total Market Value
within different accountswithin the same or different accounts.
Page 28 of 280001 090227 0001 900322993 04 18 000