0000878467-11-000073.txt : 20110510 0000878467-11-000073.hdr.sgml : 20110510 20110509185039 ACCESSION NUMBER: 0000878467-11-000073 CONFORMED SUBMISSION TYPE: 40-17G PUBLIC DOCUMENT COUNT: 48 FILED AS OF DATE: 20110510 DATE AS OF CHANGE: 20110509 EFFECTIVENESS DATE: 20110510 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY CONGRESS STREET FUND CENTRAL INDEX KEY: 0000023355 IRS NUMBER: 046026955 STATE OF INCORPORATION: MA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-00971 FILM NUMBER: 11825102 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAIL ZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6175631640 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: CONGRESS STREET FUND INC DATE OF NAME CHANGE: 19810620 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY CONTRAFUND CENTRAL INDEX KEY: 0000024238 IRS NUMBER: 046056833 STATE OF INCORPORATION: MA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-01400 FILM NUMBER: 11825103 BUSINESS ADDRESS: STREET 1: FIDELITY INVESTMENTS COMPANY STREET 2: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: (617)439-1220 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAIL ZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY CONTRAFUND INC DATE OF NAME CHANGE: 19850618 FORMER COMPANY: FORMER CONFORMED NAME: CONTRAFUND INC DATE OF NAME CHANGE: 19810203 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY OXFORD STREET TRUST CENTRAL INDEX KEY: 0000028540 IRS NUMBER: 000000000 FISCAL YEAR END: 0731 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03480 FILM NUMBER: 11825130 BUSINESS ADDRESS: STREET 1: 1201 N MARKET ST STREET 2: P O BOX 1347 CITY: WILMINGTON STATE: DE ZIP: 19899 BUSINESS PHONE: 2142816351 MAIL ADDRESS: STREET 1: P.O. BOX 650471 STREET 2: MAILZONE DW4B CITY: DALLAS STATE: TX ZIP: 75265-0471 FORMER COMPANY: FORMER CONFORMED NAME: DAILY MONEY FUND/MA/ DATE OF NAME CHANGE: 19920703 FORMER COMPANY: FORMER CONFORMED NAME: DEVONSHIRE STREET FUND INC DATE OF NAME CHANGE: 19821213 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY FIXED INCOME TRUST CENTRAL INDEX KEY: 0000035315 IRS NUMBER: 042466841 STATE OF INCORPORATION: MA FISCAL YEAR END: 0430 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-02105 FILM NUMBER: 11825112 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391251 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE ZH-2 CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY FLEXIBLE BOND FUND DATE OF NAME CHANGE: 19860904 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY CORPORATE BOND FUND INC DATE OF NAME CHANGE: 19851225 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY BOND DEBENTURE FUND INC DATE OF NAME CHANGE: 19780809 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY UNION STREET TRUST CENTRAL INDEX KEY: 0000035330 IRS NUMBER: 046343201 STATE OF INCORPORATION: MA FISCAL YEAR END: 0831 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-02460 FILM NUMBER: 11825140 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391706 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE ST. STREET 2: MAIL ZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY DAILY INCOME TRUST DATE OF NAME CHANGE: 19900626 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY DESTINY PORTFOLIOS CENTRAL INDEX KEY: 0000035331 IRS NUMBER: 000000000 FISCAL YEAR END: 0630 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-01796 FILM NUMBER: 11825107 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391652 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY DESTINY FUND DATE OF NAME CHANGE: 19860828 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY SYSTEMATIC INVESTMENT FUND INC DATE OF NAME CHANGE: 19690806 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY SYSTEMATIC INVESTMENT PLANS CENTRAL INDEX KEY: 0000035333 IRS NUMBER: 000000000 STATE OF INCORPORATION: MA FISCAL YEAR END: 0930 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-01905 FILM NUMBER: 11825138 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109-3614 BUSINESS PHONE: 6175637000 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109-3614 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY DESTINY PLANS DATE OF NAME CHANGE: 19851031 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY DEVONSHIRE TRUST CENTRAL INDEX KEY: 0000035341 IRS NUMBER: 046133142 STATE OF INCORPORATION: MA FISCAL YEAR END: 0131 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-01352 FILM NUMBER: 11825108 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 617-563-1413 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY EQUITY INCOME FUND INC DATE OF NAME CHANGE: 19870304 FORMER COMPANY: FORMER CONFORMED NAME: EVEREST FUND INC DATE OF NAME CHANGE: 19751117 FORMER COMPANY: FORMER CONFORMED NAME: EVEREST INCOME FUND INC DATE OF NAME CHANGE: 19690420 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY HASTINGS STREET TRUST CENTRAL INDEX KEY: 0000035348 IRS NUMBER: 046026953 STATE OF INCORPORATION: MA FISCAL YEAR END: 0630 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-00215 FILM NUMBER: 11825115 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6173300814 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAIL ZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY FUND DATE OF NAME CHANGE: 19920703 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY FUND INC DATE OF NAME CHANGE: 19851205 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY MUNICIPAL TRUST CENTRAL INDEX KEY: 0000035373 IRS NUMBER: 042599280 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-02628 FILM NUMBER: 11825125 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE ZZ2 CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391706 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE ZH-1 CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: MUNICIPAL BOND FUND/MA/ DATE OF NAME CHANGE: 19860327 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY MUNICIPAL BOND FUND INC DATE OF NAME CHANGE: 19850503 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY MUNICIPAL BOND FUND LTD DATE OF NAME CHANGE: 19770201 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY TREND FUND CENTRAL INDEX KEY: 0000035402 IRS NUMBER: 046026956 STATE OF INCORPORATION: MA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-00790 FILM NUMBER: 11825139 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391706 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAIL ZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY TREND FUND INC DATE OF NAME CHANGE: 19850503 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY MAGELLAN FUND CENTRAL INDEX KEY: 0000061397 IRS NUMBER: 046049970 STATE OF INCORPORATION: MA FISCAL YEAR END: 0331 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-01193 FILM NUMBER: 11825121 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391269 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAIL ZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY MAGELLAN FUND INC DATE OF NAME CHANGE: 19920703 FORMER COMPANY: FORMER CONFORMED NAME: MAGELLAN FUND INC DATE OF NAME CHANGE: 19810804 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY PURITAN TRUST CENTRAL INDEX KEY: 0000081205 IRS NUMBER: 046026952 STATE OF INCORPORATION: MA FISCAL YEAR END: 0731 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-00649 FILM NUMBER: 11825132 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 617-563-1413 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY PURITAN FUND DATE OF NAME CHANGE: 19870414 FORMER COMPANY: FORMER CONFORMED NAME: PURITAN FUND INC DATE OF NAME CHANGE: 19810106 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY COMMONWEALTH TRUST CENTRAL INDEX KEY: 0000205323 IRS NUMBER: 042558592 STATE OF INCORPORATION: MA FISCAL YEAR END: 0430 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-02546 FILM NUMBER: 11825099 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6175701251 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAIL ZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY INTERMEDIATE BOND FUND DATE OF NAME CHANGE: 19900412 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY THRIFT TRUST DATE OF NAME CHANGE: 19880308 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY INVESTORS TRUST DATE OF NAME CHANGE: 19790117 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY SCHOOL STREET TRUST CENTRAL INDEX KEY: 0000215829 IRS NUMBER: 042604407 STATE OF INCORPORATION: MA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-02676 FILM NUMBER: 11825134 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE ZH-1 CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6175637000 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE ZH-2 CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY SCHOOL STREET TRUST/ DATE OF NAME CHANGE: 19940526 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY LIMITED TERM MUNICIPALS DATE OF NAME CHANGE: 19920703 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY SUMMER STREET TRUST CENTRAL INDEX KEY: 0000225322 IRS NUMBER: 042623605 STATE OF INCORPORATION: MA FISCAL YEAR END: 0430 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-02737 FILM NUMBER: 11825137 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 2142816350 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY HIGH INCOME FUND DATE OF NAME CHANGE: 19890309 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY AGGRESSIVE INCOME FUND DATE OF NAME CHANGE: 19810205 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY COURT STREET TRUST CENTRAL INDEX KEY: 0000225323 IRS NUMBER: 042626105 STATE OF INCORPORATION: MA FISCAL YEAR END: 1130 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-02741 FILM NUMBER: 11825104 BUSINESS ADDRESS: STREET 1: ONE SPARTAN WAY CITY: MERRIMACK STATE: NH ZIP: 03054 BUSINESS PHONE: 603-791-7486 MAIL ADDRESS: STREET 1: ONE SPARTAN WAY STREET 2: MAIL ZONE ST2S CITY: MERRIMACK STATE: NH ZIP: 03054 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY HIGH YIELD MUNICIPALS DATE OF NAME CHANGE: 19870818 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY EXTRA MUNICIPALS DATE OF NAME CHANGE: 19600201 FORMER COMPANY: FORMER CONFORMED NAME: DEVON MUNICIPAL BOND FUND DATE OF NAME CHANGE: 19600201 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY CAPITAL TRUST CENTRAL INDEX KEY: 0000275309 IRS NUMBER: 042657680 STATE OF INCORPORATION: MA FISCAL YEAR END: 1031 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-02841 FILM NUMBER: 11825094 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6175637000 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY VALUE FUND DATE OF NAME CHANGE: 19870114 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY DISCOVERER FUND DATE OF NAME CHANGE: 19860803 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY ASSET INVESTMENT TRUST DATE OF NAME CHANGE: 19840205 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY MONEY MARKET TRUST CENTRAL INDEX KEY: 0000276516 IRS NUMBER: 042658398 STATE OF INCORPORATION: MA FISCAL YEAR END: 0831 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-02861 FILM NUMBER: 11825123 BUSINESS ADDRESS: STREET 1: 1201 MARKET STREET STREET 2: P O BOX 1347 CITY: BOSTON STATE: MA ZIP: 19899 BUSINESS PHONE: 6037917486 MAIL ADDRESS: STREET 1: 1201 MARKET STREET STREET 2: P O BOX 1347 CITY: BOSTON STATE: MA ZIP: 19899 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY PHILLIPS STREET TRUST CENTRAL INDEX KEY: 0000278001 IRS NUMBER: 042667982 STATE OF INCORPORATION: MA FISCAL YEAR END: 1130 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-02890 FILM NUMBER: 11825131 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 2142816360 MAIL ADDRESS: STREET 1: FIDLEITY INVESTMENTS MAILZONE DW4B STREET 2: P.O. BOX 650471 CITY: DALLAS STATE: TX ZIP: 75265-0471 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY CASH RESERVES DATE OF NAME CHANGE: 19930122 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY BEACON STREET TRUST CENTRAL INDEX KEY: 0000311884 IRS NUMBER: 046436564 STATE OF INCORPORATION: MA FISCAL YEAR END: 1031 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-02933 FILM NUMBER: 11825089 BUSINESS ADDRESS: STREET 1: 1201 N MARKET ST STREET 2: P O BOX 1347 CITY: WILMINGTON STATE: DE ZIP: 19899 BUSINESS PHONE: 6172816361 MAIL ADDRESS: STREET 1: P.O. BOX 650471 STREET 2: MAILZONE CP9B CITY: DALLAS STATE: TX ZIP: 75265-0471 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY TAX EXEMPT MONEY MARKET TRUST DATE OF NAME CHANGE: 19900626 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY TAX EXEMPT MONEY MARKET TRUST FUND DATE OF NAME CHANGE: 19881220 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY ADVISOR SERIES VII CENTRAL INDEX KEY: 0000315700 IRS NUMBER: 046444002 STATE OF INCORPORATION: MA FISCAL YEAR END: 1031 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03010 FILM NUMBER: 11825088 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02110 BUSINESS PHONE: 617-563-1413 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY SECURITIES TRUST DATE OF NAME CHANGE: 19920703 FORMER COMPANY: FORMER CONFORMED NAME: PLYMOUTH SECURITIES TRUST DATE OF NAME CHANGE: 19911118 FORMER COMPANY: FORMER CONFORMED NAME: READY CASH FUND DATE OF NAME CHANGE: 19880207 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY EXCHANGE FUND CENTRAL INDEX KEY: 0000320254 IRS NUMBER: 542585883 STATE OF INCORPORATION: MA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-02614 FILM NUMBER: 11825109 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174390814 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY SELECT PORTFOLIOS CENTRAL INDEX KEY: 0000320351 IRS NUMBER: 042732797 STATE OF INCORPORATION: MA FISCAL YEAR END: 0228 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03114 FILM NUMBER: 11825136 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 617-563-1413 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY CHARLES STREET TRUST CENTRAL INDEX KEY: 0000354046 IRS NUMBER: 000000000 FISCAL YEAR END: 0930 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03221 FILM NUMBER: 11825097 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 2145064081 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAIL ZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY U S GOVERNMENT RESERVES FUND DATE OF NAME CHANGE: 19880201 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY FEDERAL RESERVES DATE OF NAME CHANGE: 19820215 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY UNITED STATES TREASURY TRUST DATE OF NAME CHANGE: 19811020 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Fidelity Colchester Street Trust CENTRAL INDEX KEY: 0000356173 IRS NUMBER: 000000000 FISCAL YEAR END: 0331 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03320 FILM NUMBER: 11825098 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391218 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE ZH1 CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: COLCHESTER STREET TRUST DATE OF NAME CHANGE: 19980324 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY INSTITUTIONAL CASH PORTFOLIOS DATE OF NAME CHANGE: 19920703 FORMER COMPANY: FORMER CONFORMED NAME: CASH INVESTMENT FUND DATE OF NAME CHANGE: 19850414 FILER: COMPANY DATA: COMPANY CONFORMED NAME: VARIABLE INSURANCE PRODUCTS FUND CENTRAL INDEX KEY: 0000356494 IRS NUMBER: 042766128 STATE OF INCORPORATION: MA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03329 FILM NUMBER: 11825142 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 617-563-1413 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY CASH RESERVES II DATE OF NAME CHANGE: 19850825 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY MASSACHUSETTS MUNICIPAL TRUST CENTRAL INDEX KEY: 0000357057 IRS NUMBER: 042760270 STATE OF INCORPORATION: MA FISCAL YEAR END: 0131 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03361 FILM NUMBER: 11825122 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391648 MAIL ADDRESS: STREET 1: P.O. BOX 650471 STREET 2: MAILZONE DW4B CITY: DALLAS STATE: TX ZIP: 75265-0471 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY MASSACHUSETTS TAX FREE FUND MASS FREE DATE OF NAME CHANGE: 19831024 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY MASSACHUSETTS TAX EXEMPT MONEY MARKET TRUST DATE OF NAME CHANGE: 19830922 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY BOYLSTON STREET TRUST CENTRAL INDEX KEY: 0000700859 IRS NUMBER: 042763694 STATE OF INCORPORATION: DE FISCAL YEAR END: 0331 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03407 FILM NUMBER: 11825090 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE STREET, MAIL ZONE N4A CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6175637000 MAIL ADDRESS: STREET 1: FIDELITY INVESTMENTS MAILZONE DW4B STREET 2: P.O. BOX 650471 CITY: DALLAS STATE: TX ZIP: 75265-0471 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY INSTITUTIONAL TAX EXEMPT CASH PORTFOLIOS DATE OF NAME CHANGE: 19920703 FORMER COMPANY: FORMER CONFORMED NAME: MONEY ASSET FUND /MA/ DATE OF NAME CHANGE: 19880222 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY HANOVER STREET TRUST CENTRAL INDEX KEY: 0000702533 IRS NUMBER: 042778691 STATE OF INCORPORATION: MA FISCAL YEAR END: 1130 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03466 FILM NUMBER: 11825114 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391216 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAIL ZONE ZH1 CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY ADVISOR SERIES III DATE OF NAME CHANGE: 19930630 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY FRANKLIN STREET TRUST DATE OF NAME CHANGE: 19920819 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY ADVISOR EQUITY PORTFOLIO INCOME DATE OF NAME CHANGE: 19920703 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Fidelity Newbury Street Trust CENTRAL INDEX KEY: 0000704207 IRS NUMBER: 000000000 FISCAL YEAR END: 1031 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03518 FILM NUMBER: 11825129 BUSINESS ADDRESS: STREET 1: 1201 N MARKET ST STREET 2: P O BOX 1347 CITY: WILMINGTON STATE: DE ZIP: 19899 BUSINESS PHONE: 6175707000 MAIL ADDRESS: STREET 1: P.O. BOX 650471 STREET 2: MAILZONE CP9B CITY: IRVING STATE: TX ZIP: 75039 FORMER COMPANY: FORMER CONFORMED NAME: NEWBURY STREET TRUST DATE OF NAME CHANGE: 20000630 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY NEWBURY STREET TRUST DATE OF NAME CHANGE: 19970529 FORMER COMPANY: FORMER CONFORMED NAME: DAILY TAX EXEMPT MONEY FUND /DE/ DATE OF NAME CHANGE: 19920703 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY MT VERNON STREET TRUST CENTRAL INDEX KEY: 0000707823 IRS NUMBER: 042778701 STATE OF INCORPORATION: MA FISCAL YEAR END: 1130 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03583 FILM NUMBER: 11825124 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391706 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTOM STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY GROWTH COMPANY FUND DATE OF NAME CHANGE: 19910110 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY MERCURY FUND DATE OF NAME CHANGE: 19861216 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY FINANCIAL TRUST CENTRAL INDEX KEY: 0000708191 IRS NUMBER: 042778698 STATE OF INCORPORATION: MA FISCAL YEAR END: 1130 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03587 FILM NUMBER: 11825110 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6175707000 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY FREEDOM FUND DATE OF NAME CHANGE: 19870129 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY TAX QUALIFIED EQUITY FUND DATE OF NAME CHANGE: 19830104 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY NEW YORK MUNICIPAL TRUST CENTRAL INDEX KEY: 0000718581 IRS NUMBER: 000000000 FISCAL YEAR END: 0131 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03723 FILM NUMBER: 11825127 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6173300814 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAIL ZONE ZZ2 CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY NEW YORK TAX FREE FUND DATE OF NAME CHANGE: 19900625 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY NEW YORK TAX EXEMPT MONEY MARKET TRUST DATE OF NAME CHANGE: 19850710 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY CALIFORNIA MUNICIPAL TRUST CENTRAL INDEX KEY: 0000718891 IRS NUMBER: 000000000 FISCAL YEAR END: 0228 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03725 FILM NUMBER: 11825091 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 2142816360 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY CALIFORNIA TAX FREE FUND DATE OF NAME CHANGE: 19900618 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY CALIFORNIA TAX EXEMPT MONEY MARKET TRUST DATE OF NAME CHANGE: 19840408 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY ADVISOR SERIES IV CENTRAL INDEX KEY: 0000719451 IRS NUMBER: 000000000 FISCAL YEAR END: 1130 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03737 FILM NUMBER: 11825086 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE ZH1 CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6175631413 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE ZH1 CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY INCOME TRUST DATE OF NAME CHANGE: 19920703 FORMER COMPANY: FORMER CONFORMED NAME: INCOME PORTFOLIOS DATE OF NAME CHANGE: 19920202 FORMER COMPANY: FORMER CONFORMED NAME: FIXED INCOME PORTFOLIOS DATE OF NAME CHANGE: 19920202 FILER: COMPANY DATA: COMPANY CONFORMED NAME: VARIABLE INSURANCE PRODUCTS FUND IV CENTRAL INDEX KEY: 0000720318 IRS NUMBER: 000000000 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03759 FILM NUMBER: 11825145 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391652 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY ADVISOR SERIES VI DATE OF NAME CHANGE: 19930630 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY OLIVER STREET TRUST DATE OF NAME CHANGE: 19920703 FORMER COMPANY: FORMER CONFORMED NAME: TAX EXEMPT PORTFOLIOS DATE OF NAME CHANGE: 19911113 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY ADVISOR SERIES I CENTRAL INDEX KEY: 0000722574 IRS NUMBER: 043335387 STATE OF INCORPORATION: MA FISCAL YEAR END: 1130 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03785 FILM NUMBER: 11825084 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391648 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAIL ZONE ZH1 CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY ADVISOR SERIES 1 DATE OF NAME CHANGE: 19930706 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY BROAD STREET TRUST DATE OF NAME CHANGE: 19920820 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY ADVISOR EQUITY PORTFOLIO GROWTH DATE OF NAME CHANGE: 19920703 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY ADVISOR SERIES VIII CENTRAL INDEX KEY: 0000729218 IRS NUMBER: 042778701 STATE OF INCORPORATION: MA FISCAL YEAR END: 0930 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-03855 FILM NUMBER: 11825087 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6175706270 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE ZH1 CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY SPECIAL SITUATIONS FUND DATE OF NAME CHANGE: 19920703 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY INVESTMENT TRUST CENTRAL INDEX KEY: 0000744822 IRS NUMBER: 000000000 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-04008 FILM NUMBER: 11825118 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391269 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE ZH-1 CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY OVERSEAS FUND DATE OF NAME CHANGE: 19861228 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY INCOME FUND /MA/ CENTRAL INDEX KEY: 0000751199 IRS NUMBER: 000000000 FISCAL YEAR END: 0731 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-04085 FILM NUMBER: 11825117 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391251 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY MORTGAGE SECURITIES FUND DATE OF NAME CHANGE: 19851103 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY SECURITIES FUND CENTRAL INDEX KEY: 0000754510 IRS NUMBER: 000000000 FISCAL YEAR END: 0731 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-04118 FILM NUMBER: 11825135 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391706 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY ADVISOR SERIES II CENTRAL INDEX KEY: 0000795422 IRS NUMBER: 000000000 FISCAL YEAR END: 1031 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-04707 FILM NUMBER: 11825085 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6175707000 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE ZH1 CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY DIVERSIFIED TRUST DATE OF NAME CHANGE: 19930706 FORMER COMPANY: FORMER CONFORMED NAME: PLYMOUTH FUND DATE OF NAME CHANGE: 19920130 FORMER COMPANY: FORMER CONFORMED NAME: PLYMOUTH INVESTMENT SERIES DATE OF NAME CHANGE: 19911204 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY GARRISON STREET TRUST CENTRAL INDEX KEY: 0000803013 IRS NUMBER: 000000000 FISCAL YEAR END: 1031 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-04861 FILM NUMBER: 11825113 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391706 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY ADVISOR SERIES V DATE OF NAME CHANGE: 19930706 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY INVESTMENT SERIES DATE OF NAME CHANGE: 19930706 FORMER COMPANY: FORMER CONFORMED NAME: PLYMOUTH INVESTMENT SERIES /NY/ DATE OF NAME CHANGE: 19920206 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY CONCORD STREET TRUST CENTRAL INDEX KEY: 0000819118 IRS NUMBER: 043365630 STATE OF INCORPORATION: MA FISCAL YEAR END: 0228 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-05251 FILM NUMBER: 11825101 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391216 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE F7A CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY INSTITUTIONAL TRUST DATE OF NAME CHANGE: 19920703 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY INVESTMENTS VARIABLE LIFE ACCOUNT I CENTRAL INDEX KEY: 0000819543 IRS NUMBER: 000000000 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-05258 FILM NUMBER: 11825120 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST R25B CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6177286928 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY INVESTMENTS VARIABLE ANNUITY ACCOUNT I CENTRAL INDEX KEY: 0000821051 IRS NUMBER: 043174984 STATE OF INCORPORATION: UT FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-05315 FILM NUMBER: 11825119 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6175637000 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Variable Insurance Products Fund V CENTRAL INDEX KEY: 0000823535 IRS NUMBER: 000000000 FISCAL YEAR END: 0731 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-05361 FILM NUMBER: 11825146 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 2142816361 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE ST STREET 2: MAILZONE F7A CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY BOSTON STREET TRUST DATE OF NAME CHANGE: 19951101 FORMER COMPANY: FORMER CONFORMED NAME: SPARTAN U S TREASURY MONEY MARKET FUND DATE OF NAME CHANGE: 19920703 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY U S TREASURY MONEY MARKET FUND L P DATE OF NAME CHANGE: 19900828 FILER: COMPANY DATA: COMPANY CONFORMED NAME: VARIABLE INSURANCE PRODUCTS FUND II CENTRAL INDEX KEY: 0000831016 IRS NUMBER: 042708937 STATE OF INCORPORATION: MA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-05511 FILM NUMBER: 11825143 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174391220 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: EMPIRE FIDELITY INVESTMENTS VARIABLE ANNUITY ACCOUNT A CENTRAL INDEX KEY: 0000878467 IRS NUMBER: 061326202 STATE OF INCORPORATION: NY FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-06388 FILM NUMBER: 11825111 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6175637000 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY CALIFORNIA MUNICIPAL TRUST II CENTRAL INDEX KEY: 0000878662 IRS NUMBER: 000000000 FISCAL YEAR END: 0831 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-06397 FILM NUMBER: 11825092 BUSINESS ADDRESS: STREET 1: FIDELITY INVESTMENT STREET 2: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6174766483 MAIL ADDRESS: STREET 1: FIDELITY INVESTMENT STREET 2: P.O. BOX 650471, MAILZONE DW4B CITY: DALLAS STATE: TX ZIP: 75265-0471 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY NEW YORK MUNICIPAL TRUST II CENTRAL INDEX KEY: 0000878663 IRS NUMBER: 000000000 FISCAL YEAR END: 0131 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-06398 FILM NUMBER: 11825128 BUSINESS ADDRESS: STREET 1: C/O SIOBHAN PERKINS MORRIS NICH ARSH TUN STREET 2: 1201 N. MARKET STREET, PO.O BOX 1347 CITY: WILIMINGTON STATE: DE ZIP: 19899-1347 BUSINESS PHONE: 617-570-62 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAIL ZONE ZZ2 CITY: BOSTON STATE: MA ZIP: 02109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY ABERDEEN STREET TRUST CENTRAL INDEX KEY: 0000880195 IRS NUMBER: 000000000 FISCAL YEAR END: 1130 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-06440 FILM NUMBER: 11825083 BUSINESS ADDRESS: STREET 1: 1201 N MARKET ST P O BOX 1347 STREET 2: C/O SIOBIAN PERKINS MORRIS NICHOLS ARSHT CITY: WILMINGTON STATE: DE ZIP: 19899 BUSINESS PHONE: 617-570-7000 MAIL ADDRESS: STREET 1: 82 DEVONSIRE STREET STREET 2: MAILZONE ZH1 CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY INSTITUTIONAL INVESTORS TRUST DATE OF NAME CHANGE: 19920811 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY COURT STREET TRUST II CENTRAL INDEX KEY: 0000880709 IRS NUMBER: 000000000 FISCAL YEAR END: 1130 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-06453 FILM NUMBER: 11825105 BUSINESS ADDRESS: STREET 1: 1201 NORTH MARKET ST PO BOX 1347 CITY: WILMINGTON STATE: DE ZIP: 19899-0471 BUSINESS PHONE: 6175706270 MAIL ADDRESS: STREET 1: P.O. BOX 650471 STREET 2: MAILZONE DW4B CITY: DALLAS STATE: TX ZIP: 75265-0471 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY UNION STREET TRUST II CENTRAL INDEX KEY: 0000880797 IRS NUMBER: 000000000 FISCAL YEAR END: 0831 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-06452 FILM NUMBER: 11825141 BUSINESS ADDRESS: STREET 1: 1201 N. MARKET STREET STREET 2: P.O. BOX 1347 CITY: DALLAS STATE: TX ZIP: 75265-0471 BUSINESS PHONE: 6175706339 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAIL ZONE ZZ2 CITY: BOSTON STATE: MA ZIP: 02109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY MUNICIPAL TRUST II CENTRAL INDEX KEY: 0000880799 IRS NUMBER: 000000000 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-06454 FILM NUMBER: 11825126 BUSINESS ADDRESS: STREET 1: 1201 N MARKET STREET STREET 2: PO BOX 1347 CITY: WILMINGTON STATE: DE ZIP: 19895-1347 BUSINESS PHONE: 6175706270 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREE STREET 2: MAIL ZONE ZZ2 CITY: BOSTON STATE: MA ZIP: 02109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY HEREFORD STREET TRUST CENTRAL INDEX KEY: 0000917286 IRS NUMBER: 000000000 STATE OF INCORPORATION: DE FISCAL YEAR END: 0430 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-07139 FILM NUMBER: 11825116 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 617-563-7559 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: VARIABLE INSURANCE PRODUCTS III CENTRAL INDEX KEY: 0000927384 IRS NUMBER: 000000000 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-07205 FILM NUMBER: 11825144 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6175707348 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET STREET 2: MAILZONE Z1C CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: FIDELITY ADVISOR ANNUITY FUND DATE OF NAME CHANGE: 19940722 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY COVINGTON TRUST CENTRAL INDEX KEY: 0000945908 IRS NUMBER: 000000000 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-07319 FILM NUMBER: 11825106 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6175637000 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY REVERE STREET TRUST CENTRAL INDEX KEY: 0001022695 IRS NUMBER: 000000000 FISCAL YEAR END: 0531 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-07807 FILM NUMBER: 11825133 BUSINESS ADDRESS: STREET 1: C\O FMR CORP STREET 2: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6175637000 MAIL ADDRESS: STREET 1: C/O FMR CORP STREET 2: 82 DEVONSHIRE ST CITY: BOSTON STATE: MA ZIP: 02109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Empire Fidelity Investments Variable Life Account A CENTRAL INDEX KEY: 0001297990 IRS NUMBER: 061326202 STATE OF INCORPORATION: UT FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-21604 FILM NUMBER: 11825082 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 617-563-7000 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Fidelity Central Investment Portfolios LLC CENTRAL INDEX KEY: 0001303459 IRS NUMBER: 000000000 STATE OF INCORPORATION: DE FISCAL YEAR END: 0930 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-21667 FILM NUMBER: 11825095 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 617-563-7000 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Fidelity Commonwealth Trust II CENTRAL INDEX KEY: 0001364923 IRS NUMBER: 000000000 STATE OF INCORPORATION: DE FISCAL YEAR END: 0228 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-21990 FILM NUMBER: 11825100 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 617-563-7000 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Fidelity Central Investment Portfolios II LLC CENTRAL INDEX KEY: 0001401097 IRS NUMBER: 000000000 STATE OF INCORPORATION: DE FISCAL YEAR END: 0831 FILING VALUES: FORM TYPE: 40-17G SEC ACT: 1940 Act SEC FILE NUMBER: 811-22083 FILM NUMBER: 11825096 BUSINESS ADDRESS: STREET 1: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 617-563-7000 MAIL ADDRESS: STREET 1: 82 DEVONSHIRE STREET CITY: BOSTON STATE: MA ZIP: 02109 40-17G 1 coverletter.htm coverletter.htm - Generated by SEC Publisher for SEC Filing

FMR LLC
Devonshire Street, F3D
Boston, MA 02109-3614

May 4, 2010

U.S. Securities and Exchange Commission
Judiciary Plaza
450 Fifth Street, NW
Washington, DC 20543

Re: Fidelity Investments Mutual Funds Rule 17g Compliance Filing Fidelity Bond Coverage Period: July 1, 2010 – June 30, 2011

To Whom it May Concern,

We submit the following excess bond policies on behalf of Fidelity Investments Mutual Funds:

London/ACE, Pembroke, Novae, QBE, Antares, Pembroke, Hardy Policy No:B080113017P10 (Equity and High Income Funds) Policy No B080113011P10 (Fixed Income & Asset Allocation Funds) Participation: $40M part of $70M x $150M

ICI Mutual Insurance Company

Policy No: 87153210B (Equity and High Income Funds) Policy No: 87153110B (Fixed Income & Asset Allocation Funds) Participation: $15M part of $70M x $150M

Federal Insurance Company (Chubb)

Policy No: 81906761 (Equity and High Income Funds) Policy No: 82179281 (Fixed Income & Asset Allocation Funds) Participation: $5M part of $70M x $150M

XL Specialty Insurance Co.

Policy No: ELU117553-10 (Equity and High Income Funds) Policy No: ELI117552-10 (Fixed Income & Asset Allocation Funds) Participation: $10M part of $70M x $150M

The lead bond insurance policy, statement confirming payment of premiums, resolution of a majority of independent trustees approving coverage, joint insured bond statement and the Fidelity Bond Insurance Recovery Agreement have been submitted previously and are incorporated by reference to Accession Number is 0000878467-11-000022.

Sincerely,

Ann Barry
Director, Insurance & Risk Management
FMR LLC
Enc.


 
 EX-1 2 chubb5po70x150eqbondpolicy20.htm chubb5po70x150eqbondpolicy20.htm - Generated by SEC Publisher for SEC Filing

PREMIUM BILL

Insured: FIDELITY EQUITY AND HIGH INCOME FUNDS Date: March 30, 2011
 
Producer: WILLIS OF MASSACHUSETTS, INC.  
Company: FEDERAL INSURANCE COMPANY  

 

THIS BILLING IS TO BE ATTACHED TO AND FORM PART OF THE BOND REFERENCED BELOW.

NOTE: PLEASE RETURN THIS BILL WITH REMITTANCE AND NOTE HEREON ANY CHANGES. BILL

WILL BE RECEIPTED AND RETURNED TO YOU PROMPTLY UPON REQUEST.

PLEASE REMIT TO PRODUCER INDICATED ABOVE. PLEASE REFER TO:      
EFFECTIVE DATE BOND NUMBER COVERAGE     PREMIUM
July 1, 2010 81906761 RENEWAL - EXCESS   $ 25,009.00
    BOND      
To          
July 1, 2011          
 
0% Commission          
      TOTAL $ 25,009.00

 

 

    Chubb Group of Insurance Companies DECLARATIONS
            FINANCIAL INSTITUTION
    15 Mountain View Road, Warren, New Jersey 07059 EXCESS BOND FORM E
 
NAME OF ASSURED:       Bond Number: 81906761
FIDELITY EQUITY AND HIGH INCOME FUNDS   FEDERAL INSURANCE COMPANY
            Incorporated under the laws of Indiana,
82 DEVONSHIRE STREET, MAILSTOP F3D   a stock insurance company, herein called the COMPANY
BOSTON, MA 02109        
            Capital Center, 251 North Illinois, Suite 1100
            Indianapolis, IN 46204-1927
 
ITEM 1.   BOND PERIOD: from 12:01 a.m. on July 1, 2010  
      to 12:01 a.m. on July 1, 2011  
ITEM 2.   AGGREGATE LIMIT OF LIABILITY: $5,000,000 part of $70,000,000
ITEM 3.   SINGLE LOSS LIMIT OF LIABILITY: $5,000,000 part of $70,000,000
ITEM 4.   DEDUCTIBLE AMOUNT: $ As per the primary carrier  
ITEM 5.   PRIMARY BOND:        
    Insurer: National Union Fire Insurance Company of Pittsburgh, Pa.
    Bond No. 01-986-29-38    
    Limit $15,000,000 Single Loss / $15,000,000 Aggregate
    Deductible: $400,000 Single Loss / $400,000 Aggregate
    Bond Period July 1, 2010 - July 1, 2011  
 
 
ITEM 6.   COVERAGE EXCEPTIONS TO PRIMARY BOND:  
    NOTWITHSTANDING ANY COVERAGE PROVIDED BY THE PRIMARY BOND, THIS EXCESS BOND
    DOES NOT DIRECTLY OR INDIRECTLY COVER: None  
ITEM 7.   TOTAL OF LIMITS OF LIABILITY OF OTHER UNDERLYING BONDS, EXCESS OF PRIMARY BOND:
  $ 135,000,000        
ITEM 8.   THE LIABILITY OF THE COMPANY IS ALSO SUBJECT TO THE TERMS OF THE FOLLOWING
    ENDORSEMENTS EXECUTED SIMULTANEOUSLY HEREWITH:

 

1) COMPLIANCE WITH APPLICABLE TRADE SANCTION LAWS

IN WITNESS WHEREOF, THE COMPANY issuing this Bond has caused this Bond to be signed by its authorized officers, but it shall not be valid unless also signed by a duly authorized representative of the Company.


Secretary

March 30, 2011
Date


Excess Bond (7-92)  
Form 17-02-0842 (Ed. 7-92) Page 1 of 1

 

 

The COMPANY, in consideration of the required premium, and in reliance on the statements and information furnished to the COMPANY by the ASSURED, and subject to the DECLARATIONS made a part of this bond and to all other terms and conditions of this bond, agrees to pay the ASSURED for:

Insuring Clause Loss which would have been paid under the Primary Bond but for the fact the loss

exceeds the Deductible Amount.

Coverage under this bond shall follow the terms and conditions of the Primary Bond, except with respect to:

a.      The coverage exceptions in ITEM 6. of the DECLARATIONS; and
b.      The limits of liability as stated in ITEM 2. and ITEM 3. of the DECLARATIONS.

With respect to the exceptions stated above, the provisions of this bond shall apply.

General Agreements    
 
 
Change Or Modification A. If after the inception date of this bond the Primary Bond is changed or modified,
Of Primary Bond   written notice of any such change or modification shall be given to the COMPANY
    as soon as practicable, not to exceed thirty (30) days after such change or
    modification, together with such information as the COMPANY may request. There
    shall be no coverage under this bond for any loss related to such change or
    modification until such time as the COMPANY is advised of and specifically
    agrees by written endorsement to provide coverage for such change or
    modification.
 
 
Representations Made B. The ASSURED represents that all information it has furnished to the COMPANY
By Assured   for this bond or otherwise is complete, true and correct. Such information
    constitutes part of this bond.
 
    The ASSURED must promptly notify the COMPANY of any change in any fact or
    circumstance which materially affects the risk assumed by the COMPANY under
    this bond.
 
    Any misrepresentation, omission, concealment or incorrect statement of a material
    fact by the ASSURED to the COMPANY shall be grounds for recision of this bond.
 
 
Notice To Company Of C. The ASSURED shall notify the COMPANY at the earliest practical moment, not to
Legal Proceedings Against   exceed thirty (30) days after the ASSURED receives notice, of any legal
Assured - Election To   proceeding brought to determine the ASSURED’S liability for any loss, claim or
Defend   damage which, if established, would constitute a collectible loss under this bond or
    any of the Underlying Bonds. Concurrent with such notice, and as requested
    thereafter, the ASSURED shall furnish copies of all pleadings and pertinent
    papers to the COMPANY.

 

Excess Bond (7-92) R  
Form 17-02-0842 (Ed. 7-92) R Page 1 of 5

 

 

General Agreements            
 
 
Notice To Company Of     If the COMPANY elects to defend all or part of any legal proceeding, the court
Legal Proceedings Against     costs and attorneys’ fees incurred by the COMPANY and any settlement or
Assured - Election To     judgment on that part defended by the COMPANY shall be a loss under this bond.
Defend     The COMPANY’S liability for court costs and attorneys’ fees incurred in defending
(continued)     all or part of such legal proceeding is limited to the proportion of such court costs
      and attorneys’ fees incurred that the amount recoverable under this bond bears to
      the amount demanded in such legal proceeding.
      If the COMPANY declines to defend the ASSURED, no settlement without the
      prior written consent of the COMPANY or judgment against the ASSURED shall
      determine the existence, extent or amount of coverage under this bond, and the
      COMPANY shall not be liable for any costs, fees and expenses incurred by the
      ASSURED.
 
 
Conditions And            
Limitations            
 
 
Definitions 1 . As used in this bond:
      a. Deductible Amount means the amount stated in ITEM 4. of the
        DECLARATIONS. In no event shall this Deductible Amount be reduced for
        any reason, including but not limited to, the non-existence, invalidity,
        insufficiency or uncollectibility of any of the Underlying Bonds, including the
        insolvency or dissolution of any Insurer providing coverage under any of the
        Underlying Bonds.
 
      b. Primary Bond means the bond scheduled in ITEM 5. of the
        DECLARATIONS or any bond that may replace or substitute for such bond.
 
      c. Single Loss means all covered loss, including court costs and attorneys’
        fees incurred by the COMPANY under General Agreement C., resulting
        from:    
        (1 ) any one act of burglary, robbery or attempt either, in which no
            employee of the ASSURED is implicated, or
        (2 ) any one act or series of related acts on the part of any person resulting
            in damage to or destruction or misplacement of property, or
        (3 ) all acts other than those specified in c.(1) and c.(2), caused by any
            person or in which such person is implicated, or
        (4 ) any one event not specified above, in c.(1), c.(2) or c.(3).
 
      d. Underlying Bonds means the Primary Bond and all other insurance
        coverage referred to in ITEM 7. of the DECLARATIONS.

 

Excess Bond (7-92)  
Form 17-02-0842 (Ed. 7-92) Page 2 of 5

 

 

Conditions And Limitations

(continued)

Limit Of Liability

Aggregate Limit Of Liability

Single Loss Limit Of Liability

2.      The COMPANY’S total cumulative liability for all Single Losses of all ASSUREDS
  discovered      during the BOND PERIOD shall not exceed the AGGREGATE LIMIT
  OF      LIABILITY as stated in ITEM 2. of the DECLARATIONS. Each payment made
  under      the terms of this bond shall reduce the unpaid portion of the AGGREGATE
  LIMIT      OF LIABILITY until it is exhausted.
  On      exhausting the AGGREGATE LIMIT OF LIABILITY by such payments:
  a.      the COMPANY shall have no further liability for loss or losses regardless of when discovered and whether or not previously reported to the COMPANY, and
  b.      the COMPANY shall have no obligation under General Agreement C. to continue the defense of the ASSURED, and on notice by the COMPANY to the ASSURED that the AGGREGATE LIMIT OF LIABILITY has been exhausted, the ASSURED shall assume all responsibility for its defense at its own cost.

The unpaid portion of the AGGREGATE LIMIT OF LIABILITY shall not be increased or reinstated by any recovery made and applied in accordance with Section 4. In the event that a loss of property is settled by indemnity in lieu of payment, then such loss shall not reduce the unpaid portion of the AGGREGATE LIMIT OF LIABILITY.

The COMPANY’S liability for each Single Loss shall not exceed the SINGLE LOSS LIMIT OF LIABILITY as stated in ITEM 3. of the DECLARATIONS or the unpaid portion of the AGGREGATE LIMIT OF LIABILITY, whichever is less.

Discovery 3 . This bond applies only to loss first discovered by the ASSURED during the BOND
      PERIOD. Discovery occurs at the earlier of the ASSURED being aware of:
      a. facts which may subsequently result in a loss of a type covered by this bond,
        or
      b. an actual or potential claim in which it is alleged that the ASSURED is liable
        to a third party,
      regardless of when the act or acts causing or contributing to such loss occurred,
      even though the amount of loss does not exceed the applicable Deductible
      Amount, or the exact amount or details of loss may not then be known.
 
 
Subrogation-Assignment- 4 . In the event of a payment under this bond, the COMPANY shall be subrogated to
Recovery     all of the ASSURED’S rights of recovery against any person or entity to the extent
      of such payments. On request, the ASSURED shall deliver to the COMPANY an
      assignment of the ASSURED’S rights, title and interest and causes of action
      against any person or entity to the extent of such payment.

 

Excess Bond (7-92)  
Form 17-02-0842 (Ed. 70-2) Page 3 of 5

 

 

Conditions And        
Limitations        
 
 
Subrogation-Assignment-     Recoveries, whether effected by the COMPANY or by the ASSURED, shall be
Recovery     applied net of the expense of such recovery, first, to the satisfaction of the
(continued)     ASSURED’S loss which would otherwise have been paid but for the fact that it is
      in excess of the AGGREGATE LIMIT OF LIABILITY, second, to the COMPANY in
      satisfaction of amounts paid in settlement of the ASSURED’S claim and third, to
      the ASSURED in satisfaction of the DEDUCTIBLE AMOUNT. Recovery from
      reinsurance and/or indemnity of the COMPANY shall not be deemed a recovery
      under this Section.
 
 
Cooperation Of Assured 5 . At the COMPANY’S request and at reasonable times and places designated by
      the COMPANY the ASSURED shall:
      a. submit to examination by the COMPANY and subscribe to the same under
        oath, and
      b. produce for the COMPANY’S examination all pertinent records, and
      c. cooperate with the COMPANY in all matters pertaining to the loss.
      The ASSURED shall execute all papers and render assistance to secure to the
      COMPANY the rights and causes of action provided for under this bond. The
      ASSURED shall do nothing after loss to prejudice such rights or causes of action.
 
 
Termination 6 . This bond terminates as an entirety on the earliest occurrence of any of the
      following:
      a. sixty (60) days after the receipt by the ASSURED of a written notice from the
        COMPANY of its decision to terminate this bond, or
      b. immediately on the receipt by the COMPANY of a written notice from the
        ASSURED of its decision to terminate this bond, or
      c. immediately on the appointment of a trustee, receiver or liquidator to act on
        behalf of the ASSURED, or the taking over of the ASSURED by State or
        Federal officials, or
      d. immediately on the dissolution of the ASSURED, or
      e. immediately on exhausting the AGGREGATE LIMIT OF LIABILITY, or
      f. immediately on expiration of the BOND PERIOD, or
      g. immediately on cancellation, termination or recision of the Primary Bond.
 
 
Conformity 7 . If any limitation within this bond is prohibited by any law controlling this bond’s
      construction, such limitation shall be deemed to be amended so as to equal the
      minimum period of limitation provided by such law.

 

Excess Bond (7-92)  
Form 17-02-0842 (Ed. 7-92) Page 4 of 5

 

 

Conditions And
Limitations
(continued)

Change Or Modification 8 . This bond or any instrument amending or affecting this bond may not be changed
Of This Bond     or modified orally. No change in or modification of this bond shall be effective
      except when made by written endorsement to this bond signed by an Authorized
      Representative of the COMPANY.

 

Excess Bond (7-92)  
Form 17-02-0842 (Ed. 70-2) Page 5 of 5

 

 

    ENDORSEMENT/RIDER
Effective date of    
this endorsement/rider: July 1, 2010 FEDERAL INSURANCE COMPANY
  Endorsement/Rider No. 1
  To be attached to and  
  form a part of Bond No. 81906761
Issued to: FIDELITY EQUITY AND HIGH INCOME FUNDS  

 

COMPLIANCE WITH APPLICABLE TRADE SANCTION LAWS

It is agreed that this insurance does not apply to the extent that trade or economic sanctions or other similar laws or regulations prohibit the coverage provided by this insurance.

The title and any headings in this endorsement/rider are solely for convenience and form no part of the terms and conditions of coverage.

All other terms, conditions and limitations of this Bond shall remain unchanged.

Authorized Representative

14-02-9228 (02/2010)

Page 1

 

     POLICYHOLDER DISCLOSURE NOTICE OF

TERRORISM INSURANCE COVERAGE

(for policies with no terrorism exclusion or sublimit)

You are hereby notified that, under the Terrorism Risk Insurance Act (the “Act”), effective December 26, 2007, this policy makes available to you insurance for losses arising out of certain acts of terrorism. Terrorism is defined as any act certified by the Secretary of the Treasury, in concurrence with the Secretary of State and the Attorney General of the United States, to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of an air carrier or vessel or the premises of a United States Mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion.

You should know that the insurance provided by your policy for losses caused by acts of terrorism is partially reimbursed by the United States under the formula set forth in the Act. Under this formula, the United States pays 85% of covered terrorism losses that exceed the statutorily established deductible to be paid by the insurance company providing the coverage.

However, if aggregate insured losses attributable to terrorist acts certified under the Act exceed $100 billion in a Program Year (January 1 through December 31), the Treasury shall not make any payment for any portion of the amount of such losses that exceeds $100 billion.

10-02-1281 (Ed. 1/2003)

 

If aggregate insured losses attributable to terrorist acts certified under the Act exceed $100 billion in a Program Year (January 1 through December 31) and we have met our insurer deductible under the Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury.

The portion of your policy’s annual premium that is attributable to insurance for such acts of terrorism is: $ -0-.

If you have any questions about this notice, please contact your agent or broker.

10-02-1281 (Ed. 1/2003)

 

IMPORTANT NOTICE TO POLICYHOLDERS

     All of the members of the Chubb Group of Insurance companies doing business in the United States (hereinafter “Chubb”) distribute their products through licensed insurance brokers and agents (“producers”). Detailed information regarding the types of compensation paid by Chubb to producers on US insurance transactions is available under the Producer Compensation link located at the bottom of the page at www.chubb.com, or by calling 1-866-588-9478. Additional information may be available from your producer.

Thank you for choosing Chubb.

10-02-1295 (ed. 6/2007)

 

FIDELITY EQUITY AND HIGH INCOME FUNDS 82 DEVONSHIRE STREET, MAILSTOP F3D BOSTON, MA 02109

Re: Financial Strength

Insuring Company: FEDERAL INSURANCE COMPANY

Dear FIDELITY EQUITY AND HIGH INCOME FUNDS

Chubb continues to deliver strong financial performance. Our financial strength, as reflected in our published reports and our ratings, should give you peace of mind that Chubb will be there for you when you need us most.

  		•  Chubb’s financial results during 2010 stand out in the industry.
  		• Chubb’s balance sheet is backed with investments that we believe emphasize quality, safety, and liquidity, with total invested assets of $43 billion as of September 30, 2010.
  		• With 128 years in the business, Chubb is here for the long term, which is why we vigorously guard our financial strength and take what we believe is a prudent approach to assuming risk—on both the asset and
      liability      sides of our balance sheet.
  		• Chubb is one of the most highly rated property and casualty companies in the industry, which is a reflection of our overall quality, strong financial condition, and strong capital position.
      o      Chubb’s financial strength rating is “A++” from A.M. Best Company, “AA” from Fitch, “Aa2” from Moody’s, and “AA” from Standard & Poor’s – the leading independent evaluators of the insurance industry.
      o      A.M. Best, Fitch, and Moody’s recently affirmed all of Chubb’s ratings with a “stable” outlook. (For reference, A.M. Best reaffirmed us on 3/17/10, Fitch on 2/13/09, and Moody’s on 2/4/09.)
      o      Forbes named Chubb one of the “100 Most Trustworthy Companies” in 2010, based on Chubb’s “transparent and conservative accounting practices and prudent management.”
      o      For more than 50 years, Chubb has remained part of an elite group of insurers that have maintained A.M. Best’s highest ratings.
  		• Fitch ranked Chubb #1 for five- and 10-year financial performance in a 6/10/10 report.
  		• On the 2010 Fortune 500 list, Chubb ranks #176 in revenue, #85 in assets, #80 in 1999-2009 annual growth rate, #64 in profits, and #39 in profit as a percentage of revenue.
  		• Chubb was named to Standard & Poor’s list of S&P 500 Dividend Aristocrats, one of 52 companies in the S&P 500 index that have increased dividends every year for at least 25 consecutive years.
  		• Chubb’s investment portfolio has held up extremely well. Chubb takes what we believe is a conservative approach to selecting and managing our assets. Furthermore, Chubb does not have any direct exposure to the subprime mortgage-backed securities market, and we stopped doing new credit derivative business in 2003 and put existing business in runoff.

    Rarely has Chubb’s business philosophy—to underwrite conservatively and invest judiciously—been more important than it is today. By adhering to this philosophy, we have the capacity and flexibility to respond to opportunities, especially when you engage us in fully understanding your business risks.

    We want you to know that Chubb is well-positioned to continue serving your needs with our underwriting expertise; broad underwriting appetite across all property, casualty, and specialty lines; and claim services. If you have any questions, feel free to call your agent or broker or your local Chubb underwriter. As always, we appreciate the trust you place in us as your insurance partner.

    99-10-0100 (11/2010)

     
         EX-2 3 chubb5po70x150fibondpolicy20.htm chubb5po70x150fibondpolicy20.htm - Generated by SEC Publisher for SEC Filing

    PREMIUM BILL

    Insured: FIDELITY FIXED INCOME AND ASSET ALLOCATION FUNDS Date: March 30, 2011
     
    Producer: WILLIS OF MASSACHUSETTS, INC.  
    Company: FEDERAL INSURANCE COMPANY  

     

    THIS BILLING IS TO BE ATTACHED TO AND FORM PART OF THE BOND REFERENCED BELOW.

    NOTE: PLEASE RETURN THIS BILL WITH REMITTANCE AND NOTE HEREON ANY CHANGES. BILL

    WILL BE RECEIPTED AND RETURNED TO YOU PROMPTLY UPON REQUEST.

    PLEASE REMIT TO PRODUCER INDICATED ABOVE. PLEASE REFER TO:      
    EFFECTIVE DATE BOND NUMBER COVERAGE     PREMIUM
    July 1, 2010 82179281 RENEWAL - EXCESS   $ 25,009.00
        BOND FORM E      
    To          
    July 1, 2011          
     
    0% Commission          
          TOTAL $ 25,009.00

     

     

        Chubb Group of Insurance Companies DECLARATIONS
                FINANCIAL INSTITUTION
        15 Mountain View Road, Warren, New Jersey 07059 EXCESS BOND FORM E
     
    NAME OF ASSURED:       Bond Number: 82179281
    FIDELITY FIXED INCOME AND ASSET ALLOCATION FUNDS FEDERAL INSURANCE COMPANY
                Incorporated under the laws of Indiana,
    82 DEVONSHIRE STREET, MAILSTOP F3D   a stock insurance company, herein called the COMPANY
    BOSTON, MA 02109        
                Capital Center, 251 North Illinois, Suite 1100
                Indianapolis, IN 46204-1927
     
    ITEM 1.   BOND PERIOD: from 12:01 a.m. on July 1, 2010  
          to 12:01 a.m. on July 1, 2011  
    ITEM 2.   AGGREGATE LIMIT OF LIABILITY: $5,000,000 part of $70,000,000
    ITEM 3.   SINGLE LOSS LIMIT OF LIABILITY: $5,000,000 part of $70,000,000
    ITEM 4.   DEDUCTIBLE AMOUNT: $ As per the primary carrier  
    ITEM 5.   PRIMARY BOND:        
        Insurer: National Union Fire Insurance Company of Pittsburgh, Pa.
        Bond No. 01-986-29-38    
        Limit $15,000,000 Single Loss / $15,000,000 Aggregate
        Deductible: $400,000 Single Loss / $400,000 Aggregate
        Bond Period July 1, 2010 - July 1, 2011  
     
     
    ITEM 6.   COVERAGE EXCEPTIONS TO PRIMARY BOND:  
        NOTWITHSTANDING ANY COVERAGE PROVIDED BY THE PRIMARY BOND, THIS EXCESS BOND
        DOES NOT DIRECTLY OR INDIRECTLY COVER: None  
    ITEM 7.   TOTAL OF LIMITS OF LIABILITY OF OTHER UNDERLYING BONDS, EXCESS OF PRIMARY BOND:
      $ 135,000,000        
    ITEM 8.   THE LIABILITY OF THE COMPANY IS ALSO SUBJECT TO THE TERMS OF THE FOLLOWING
        ENDORSEMENTS EXECUTED SIMULTANEOUSLY HEREWITH:

     

    1) COMPLIANCE WITH APPLICABLE TRADE SANCTION LAWS

    IN WITNESS WHEREOF, THE COMPANY issuing this Bond has caused this Bond to be signed by its authorized officers, but it shall not be valid unless also signed by a duly authorized representative of the Company.


    Secretary

    March 30, 2011
    Date


    Excess Bond (7-92)  
    Form 17-02-0842 (Ed. 7-92) Page 1 of 1

     

     

    The COMPANY, in consideration of the required premium, and in reliance on the statements and information furnished to the COMPANY by the ASSURED, and subject to the DECLARATIONS made a part of this bond and to all other terms and conditions of this bond, agrees to pay the ASSURED for:

    Insuring Clause Loss which would have been paid under the Primary Bond but for the fact the loss

    exceeds the Deductible Amount.

    Coverage under this bond shall follow the terms and conditions of the Primary Bond, except with respect to:

    a.      The coverage exceptions in ITEM 6. of the DECLARATIONS; and
    b.      The limits of liability as stated in ITEM 2. and ITEM 3. of the DECLARATIONS.

    With respect to the exceptions stated above, the provisions of this bond shall apply.

    General Agreements    
     
     
    Change Or Modification A. If after the inception date of this bond the Primary Bond is changed or modified,
    Of Primary Bond   written notice of any such change or modification shall be given to the COMPANY
        as soon as practicable, not to exceed thirty (30) days after such change or
        modification, together with such information as the COMPANY may request. There
        shall be no coverage under this bond for any loss related to such change or
        modification until such time as the COMPANY is advised of and specifically
        agrees by written endorsement to provide coverage for such change or
        modification.
     
     
    Representations Made B. The ASSURED represents that all information it has furnished to the COMPANY
    By Assured   for this bond or otherwise is complete, true and correct. Such information
        constitutes part of this bond.
     
        The ASSURED must promptly notify the COMPANY of any change in any fact or
        circumstance which materially affects the risk assumed by the COMPANY under
        this bond.
     
        Any misrepresentation, omission, concealment or incorrect statement of a material
        fact by the ASSURED to the COMPANY shall be grounds for recision of this bond.
     
     
    Notice To Company Of C. The ASSURED shall notify the COMPANY at the earliest practical moment, not to
    Legal Proceedings Against   exceed thirty (30) days after the ASSURED receives notice, of any legal
    Assured - Election To   proceeding brought to determine the ASSURED’S liability for any loss, claim or
    Defend   damage which, if established, would constitute a collectible loss under this bond or
        any of the Underlying Bonds. Concurrent with such notice, and as requested
        thereafter, the ASSURED shall furnish copies of all pleadings and pertinent
        papers to the COMPANY.

     

    Excess Bond (7-92) R  
    Form 17-02-0842 (Ed. 7-92) R Page 1 of 5

     

     

    General Agreements            
     
     
    Notice To Company Of     If the COMPANY elects to defend all or part of any legal proceeding, the court
    Legal Proceedings Against     costs and attorneys’ fees incurred by the COMPANY and any settlement or
    Assured - Election To     judgment on that part defended by the COMPANY shall be a loss under this bond.
    Defend     The COMPANY’S liability for court costs and attorneys’ fees incurred in defending
    (continued)     all or part of such legal proceeding is limited to the proportion of such court costs
          and attorneys’ fees incurred that the amount recoverable under this bond bears to
          the amount demanded in such legal proceeding.
          If the COMPANY declines to defend the ASSURED, no settlement without the
          prior written consent of the COMPANY or judgment against the ASSURED shall
          determine the existence, extent or amount of coverage under this bond, and the
          COMPANY shall not be liable for any costs, fees and expenses incurred by the
          ASSURED.
     
     
    Conditions And            
    Limitations            
     
     
    Definitions 1 . As used in this bond:
          a. Deductible Amount means the amount stated in ITEM 4. of the
            DECLARATIONS. In no event shall this Deductible Amount be reduced for
            any reason, including but not limited to, the non-existence, invalidity,
            insufficiency or uncollectibility of any of the Underlying Bonds, including the
            insolvency or dissolution of any Insurer providing coverage under any of the
            Underlying Bonds.
     
          b. Primary Bond means the bond scheduled in ITEM 5. of the
            DECLARATIONS or any bond that may replace or substitute for such bond.
     
          c. Single Loss means all covered loss, including court costs and attorneys’
            fees incurred by the COMPANY under General Agreement C., resulting
            from:    
            (1 ) any one act of burglary, robbery or attempt either, in which no
                employee of the ASSURED is implicated, or
            (2 ) any one act or series of related acts on the part of any person resulting
                in damage to or destruction or misplacement of property, or
            (3 ) all acts other than those specified in c.(1) and c.(2), caused by any
                person or in which such person is implicated, or
            (4 ) any one event not specified above, in c.(1), c.(2) or c.(3).
     
          d. Underlying Bonds means the Primary Bond and all other insurance
            coverage referred to in ITEM 7. of the DECLARATIONS.

     

    Excess Bond (7-92)  
    Form 17-02-0842 (Ed. 7-92) Page 2 of 5

     

     

    Conditions And Limitations

    (continued)

    Limit Of Liability

    Aggregate Limit Of Liability

    Single Loss Limit Of Liability

    2.      The COMPANY’S total cumulative liability for all Single Losses of all ASSUREDS
      discovered      during the BOND PERIOD shall not exceed the AGGREGATE LIMIT
      OF      LIABILITY as stated in ITEM 2. of the DECLARATIONS. Each payment made
      under      the terms of this bond shall reduce the unpaid portion of the AGGREGATE
      LIMIT      OF LIABILITY until it is exhausted.
      On      exhausting the AGGREGATE LIMIT OF LIABILITY by such payments:
      a.      the COMPANY shall have no further liability for loss or losses regardless of when discovered and whether or not previously reported to the COMPANY, and
      b.      the COMPANY shall have no obligation under General Agreement C. to continue the defense of the ASSURED, and on notice by the COMPANY to the ASSURED that the AGGREGATE LIMIT OF LIABILITY has been exhausted, the ASSURED shall assume all responsibility for its defense at its own cost.

    The unpaid portion of the AGGREGATE LIMIT OF LIABILITY shall not be increased or reinstated by any recovery made and applied in accordance with Section 4. In the event that a loss of property is settled by indemnity in lieu of payment, then such loss shall not reduce the unpaid portion of the AGGREGATE LIMIT OF LIABILITY.

    The COMPANY’S liability for each Single Loss shall not exceed the SINGLE LOSS LIMIT OF LIABILITY as stated in ITEM 3. of the DECLARATIONS or the unpaid portion of the AGGREGATE LIMIT OF LIABILITY, whichever is less.

    Discovery 3 . This bond applies only to loss first discovered by the ASSURED during the BOND
          PERIOD. Discovery occurs at the earlier of the ASSURED being aware of:
          a. facts which may subsequently result in a loss of a type covered by this bond,
            or
          b. an actual or potential claim in which it is alleged that the ASSURED is liable
            to a third party,
          regardless of when the act or acts causing or contributing to such loss occurred,
          even though the amount of loss does not exceed the applicable Deductible
          Amount, or the exact amount or details of loss may not then be known.
     
     
    Subrogation-Assignment- 4 . In the event of a payment under this bond, the COMPANY shall be subrogated to
    Recovery     all of the ASSURED’S rights of recovery against any person or entity to the extent
          of such payments. On request, the ASSURED shall deliver to the COMPANY an
          assignment of the ASSURED’S rights, title and interest and causes of action
          against any person or entity to the extent of such payment.

     

    Excess Bond (7-92)  
    Form 17-02-0842 (Ed. 70-2) Page 3 of 5

     

     

    Conditions And        
    Limitations        
     
     
    Subrogation-Assignment-     Recoveries, whether effected by the COMPANY or by the ASSURED, shall be
    Recovery     applied net of the expense of such recovery, first, to the satisfaction of the
    (continued)     ASSURED’S loss which would otherwise have been paid but for the fact that it is
          in excess of the AGGREGATE LIMIT OF LIABILITY, second, to the COMPANY in
          satisfaction of amounts paid in settlement of the ASSURED’S claim and third, to
          the ASSURED in satisfaction of the DEDUCTIBLE AMOUNT. Recovery from
          reinsurance and/or indemnity of the COMPANY shall not be deemed a recovery
          under this Section.
     
     
    Cooperation Of Assured 5 . At the COMPANY’S request and at reasonable times and places designated by
          the COMPANY the ASSURED shall:
          a. submit to examination by the COMPANY and subscribe to the same under
            oath, and
          b. produce for the COMPANY’S examination all pertinent records, and
          c. cooperate with the COMPANY in all matters pertaining to the loss.
          The ASSURED shall execute all papers and render assistance to secure to the
          COMPANY the rights and causes of action provided for under this bond. The
          ASSURED shall do nothing after loss to prejudice such rights or causes of action.
     
     
    Termination 6 . This bond terminates as an entirety on the earliest occurrence of any of the
          following:
          a. sixty (60) days after the receipt by the ASSURED of a written notice from the
            COMPANY of its decision to terminate this bond, or
          b. immediately on the receipt by the COMPANY of a written notice from the
            ASSURED of its decision to terminate this bond, or
          c. immediately on the appointment of a trustee, receiver or liquidator to act on
            behalf of the ASSURED, or the taking over of the ASSURED by State or
            Federal officials, or
          d. immediately on the dissolution of the ASSURED, or
          e. immediately on exhausting the AGGREGATE LIMIT OF LIABILITY, or
          f. immediately on expiration of the BOND PERIOD, or
          g. immediately on cancellation, termination or recision of the Primary Bond.
     
     
    Conformity 7 . If any limitation within this bond is prohibited by any law controlling this bond’s
          construction, such limitation shall be deemed to be amended so as to equal the
          minimum period of limitation provided by such law.

     

    Excess Bond (7-92)  
    Form 17-02-0842 (Ed. 7-92) Page 4 of 5

     

     

    Conditions And
    Limitations
    (continued)

    Change Or Modification 8 . This bond or any instrument amending or affecting this bond may not be changed
    Of This Bond     or modified orally. No change in or modification of this bond shall be effective
          except when made by written endorsement to this bond signed by an Authorized
          Representative of the COMPANY.

     

    Excess Bond (7-92)  
    Form 17-02-0842 (Ed. 70-2) Page 5 of 5

     

     

        ENDORSEMENT/RIDER
    Effective date of    
    this endorsement/rider: July 1, 2010 FEDERAL INSURANCE COMPANY
      Endorsement/Rider No. 1
      To be attached to and  
      form a part of Bond No. 82179281
    Issued to: FIDELITY FIXED INCOME AND ASSET ALLOCATION FUNDS  

     

    COMPLIANCE WITH APPLICABLE TRADE SANCTION LAWS

    It is agreed that this insurance does not apply to the extent that trade or economic sanctions or other similar laws or regulations prohibit the coverage provided by this insurance.

    The title and any headings in this endorsement/rider are solely for convenience and form no part of the terms and conditions of coverage.

    All other terms, conditions and limitations of this Bond shall remain unchanged.

    Authorized Representative

    14-02-9228 (02/2010)

    Page 1

     

         POLICYHOLDER DISCLOSURE NOTICE OF

    TERRORISM INSURANCE COVERAGE

    (for policies with no terrorism exclusion or sublimit)

    You are hereby notified that, under the Terrorism Risk Insurance Act (the “Act”), effective December 26, 2007, this policy makes available to you insurance for losses arising out of certain acts of terrorism. Terrorism is defined as any act certified by the Secretary of the Treasury, in concurrence with the Secretary of State and the Attorney General of the United States, to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of an air carrier or vessel or the premises of a United States Mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion.

    You should know that the insurance provided by your policy for losses caused by acts of terrorism is partially reimbursed by the United States under the formula set forth in the Act. Under this formula, the United States pays 85% of covered terrorism losses that exceed the statutorily established deductible to be paid by the insurance company providing the coverage.

    However, if aggregate insured losses attributable to terrorist acts certified under the Act exceed $100 billion in a Program Year (January 1 through December 31), the Treasury shall not make any payment for any portion of the amount of such losses that exceeds $100 billion.

    10-02-1281 (Ed. 1/2003)

     

    If aggregate insured losses attributable to terrorist acts certified under the Act exceed $100 billion in a Program Year (January 1 through December 31) and we have met our insurer deductible under the Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury.

    The portion of your policy’s annual premium that is attributable to insurance for such acts of terrorism is: $ -0-.

    If you have any questions about this notice, please contact your agent or broker.

    10-02-1281 (Ed. 1/2003)

     

    IMPORTANT NOTICE TO POLICYHOLDERS

         All of the members of the Chubb Group of Insurance companies doing business in the United States (hereinafter “Chubb”) distribute their products through licensed insurance brokers and agents (“producers”). Detailed information regarding the types of compensation paid by Chubb to producers on US insurance transactions is available under the Producer Compensation link located at the bottom of the page at www.chubb.com, or by calling 1-866-588-9478. Additional information may be available from your producer.

    Thank you for choosing Chubb.

    10-02-1295 (ed. 6/2007)

     

    FIDELITY FIXED INCOME AND ASSET ALLOCATION FUNDS 82 DEVONSHIRE STREET, MAILSTOP F3D

    BOSTON, MA 02109

    Re: Financial Strength

    Insuring Company: FEDERAL INSURANCE COMPANY

    Dear FIDELITY FIXED INCOME AND ASSET ALLOCATION FUNDS

    Chubb continues to deliver strong financial performance. Our financial strength, as reflected in our published reports and our ratings, should give you peace of mind that Chubb will be there for you when you need us most.

  		•  Chubb’s financial results during 2010 stand out in the industry.
  		• Chubb’s balance sheet is backed with investments that we believe emphasize quality, safety, and liquidity, with total invested assets of $43 billion as of September 30, 2010.
  		• With 128 years in the business, Chubb is here for the long term, which is why we vigorously guard our financial strength and take what we believe is a prudent approach to assuming risk—on both the asset and
      liability      sides of our balance sheet.
  		• Chubb is one of the most highly rated property and casualty companies in the industry, which is a reflection of our overall quality, strong financial condition, and strong capital position.
      o      Chubb’s financial strength rating is “A++” from A.M. Best Company, “AA” from Fitch, “Aa2” from Moody’s, and “AA” from Standard & Poor’s – the leading independent evaluators of the insurance industry.
      o      A.M. Best, Fitch, and Moody’s recently affirmed all of Chubb’s ratings with a “stable” outlook. (For reference, A.M. Best reaffirmed us on 3/17/10, Fitch on 2/13/09, and Moody’s on 2/4/09.)
      o      Forbes named Chubb one of the “100 Most Trustworthy Companies” in 2010, based on Chubb’s “transparent and conservative accounting practices and prudent management.”
      o      For more than 50 years, Chubb has remained part of an elite group of insurers that have maintained A.M. Best’s highest ratings.
  		• Fitch ranked Chubb #1 for five- and 10-year financial performance in a 6/10/10 report.
  		• On the 2010 Fortune 500 list, Chubb ranks #176 in revenue, #85 in assets, #80 in 1999-2009 annual growth rate, #64 in profits, and #39 in profit as a percentage of revenue.
  		• Chubb was named to Standard & Poor’s list of S&P 500 Dividend Aristocrats, one of 52 companies in the S&P 500 index that have increased dividends every year for at least 25 consecutive years.
  		• Chubb’s investment portfolio has held up extremely well. Chubb takes what we believe is a conservative approach to selecting and managing our assets. Furthermore, Chubb does not have any direct exposure to the subprime mortgage-backed securities market, and we stopped doing new credit derivative business in 2003 and put existing business in runoff.

    Rarely has Chubb’s business philosophy—to underwrite conservatively and invest judiciously—been more important than it is today. By adhering to this philosophy, we have the capacity and flexibility to respond to opportunities, especially when you engage us in fully understanding your business risks.

    We want you to know that Chubb is well-positioned to continue serving your needs with our underwriting expertise; broad underwriting appetite across all property, casualty, and specialty lines; and claim services. If you have any questions, feel free to call your agent or broker or your local Chubb underwriter. As always, we appreciate the trust you place in us as your insurance partner.

    99-10-0100 (11/2010)

     
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    Lloyd’s Policy

    We, Underwriting Members of the Syndicates whose definitive numbers and proportions are shown in the Table attached hereto (hereinafter referred to as 'the Underwriters'), hereby agree, in consideration of the payment to Us by or on behalf of the Assured of the Premium specified in the Schedule, to insure against loss, including but not limited to associated expenses specified herein, if any, to the extent and in the manner provided in this Policy.

    The Underwriters hereby bind themselves severally and not jointly, each for his own part and not one for another, and therefore each of the Underwriters (and his Executors and Administrators) shall be liable only for his own share of his Syndicate's proportion of any such Loss and of any such Expenses. The identity of each of the Underwriters and the amount of his share may be ascertained by the Assured or the Assured's representative on application to Lloyd's Policy Signing Office, quoting the Lloyd's Policy Signing Office number and date or reference shown in the Table.

    If the Assured shall make any claim knowing the same to be false or fraudulent, as regards amount or otherwise, this Policy shall become void and all claim hereunder shall be forfeited.

    In Witness whereof the General Manager of Lloyd's Policy Signing Office has signed this Policy on behalf of each of Us.

    LLOYD'S POLICY SIGNING OFFICE
    General Manager

    If this policy (or any subsequent endorsement) has been produced to you in electronic form, the original document is stored on the Insurer's Market Repository to which your broker has access.

    J(A) NMA2421 (3/1/95) Form approved by Lloyd’s Market Association

     

    WILLIS EXCESS FINANCIAL LINES POLICY
     
    Please read this Policy carefully.
     
    SCHEDULE
     
    Policy Number: B080113017P10  
     
    Item 1: Insured: FIdelity Equity and High Income Funds and as more fully
        defined in the contract wording
     
      Principal Address: 82 Devonshire Street,
        Mailstop F3D,
        Boston,
        Massachusetts 02109,
        United States of America
     
    Item 2: Insurer(s): Lloyd’s Syndicates:
        ACE AGM 2488 and others
     
    Item 3: Period of Insurance: 1 July 2010 to 1 July 2011
        Both Days at 00:01 local standard time at the Principal
        address shown at Item 1 above.
     
    Item 4: Limit of Liability: USD 40,000,000 any one loss/claim and in the aggregate
        for the period part of USD 70,000,000 any one loss/claim
        and in the aggregate for the period
     
    Item 5: Underlying  
      Policy(ies): in excess of underlying contracts for
        USD 150,000,000 any one loss/claim and in the aggregate
        for the period the details of which are held on file in the
        offices of Willis Limited
     
      Retention: Primary Contract Retentions detailed as per National
        Union Fire Insurance Company of Pittsburgh, PA Policy
    No: 01-988-33-82
     
    Item 6: Premium: USD 183,400 per annum for 100% for the USD
    40,000,000 order
        plus TRIA being USD 1,834
      Taxes: USD None
     
     
    Item 7: Notification(s) in accordance with clause 5 required to be
      addressed to: Willis Limited,
        FINEX - Claims Department,
        51 Lime Street,
        London
        EC3M 7DQ

     

     

        United Kingdom.  
     
    Item 8: Endorsements are as attached at issue of this Contract.  
     
    Item 9: Additional premium required: Nil      
     
    Item 10: Addressees for complaints:      
     
      (a) For Insurers who are Lloyd's Insurers:  
     
        Policyholder and Market Assistance  
        Lloyd’s Market Services  
        One Lime Street  
        London      
        EC3M 7HA      
        United Kingdom.  
     
        Telephone: + 44 (0)207 327 5693
        Facsimile: + 44 (0)207 327 5225
        Email:   Complaints@Lloyds.com  

     

    (b)      For all other Insurers:
      Willis Limited will provide details on request.

    Item 11. Interest: Excess Financial Institutions Bond Insurance

    Dated in London: 5 July 2010

     

    WILLIS EXCESS FINANCIAL LINES POLICY

    In consideration of the Insured having paid or agreed to pay the Premium and subject to all of the definitions, terms, conditions and limitations of this Policy, Insurers and the Insured agree as follows:

    1.      Insuring Agreement
    1.1      Except insofar as the express terms of this Policy:
      (a)      make specific provision in respect of any matter for which specific provision is also made in the Primary Policy, in which case the express terms of this Policy shall prevail; or
      (b)      make specific provision in respect of any matter for which no specific provision is made in the Primary Policy, in which case the express terms of this Policy shall apply;
      this      Policy shall take effect and operate in accordance with the terms of the Primary
      Policy.     
    1.2      Subject to the Limit of Liability, the Insurers shall pay to or on behalf of the Insured
      that      proportion of Loss which exceeds the Underlying Limit.
    1.3      Except as provided specifically to the contrary in this Policy, the Insurers shall have no
      liability      to make payment for any Loss under this Policy until the Underlying Limit has
      been      completely eroded by amounts which the insurers of the Underlying Policy(ies):
      (i)      shall have paid; or,
      (ii)      shall have agreed to pay; or,
      (iii)      shall have had their liability to pay established by judgment, arbitration award or other final binding adjudication;
      whichever      of (i) to (iii) above as shall occur first. Furthermore, in determining whether
      and      the extent to which erosion has occurred,
      where,      as part of any agreement to pay loss or liability (as applicable) under an
      Underlying      Policy, an insurer agrees to pay an amount which is less than the applicable
      limit      of liability thereunder on terms that such payment shall be treated as or equivalent
      to      payment in full of such limit of liability, the Insurers will pay Loss under this Policy
      as      if such insurer had paid the applicable limit of liability in full. However, in such
      circumstances      the Insurers shall pay Loss only to the extent that, in the absence of
      agreement      of the kind referred to in the previous sentence, the Loss of the Insured
      would      have exceeded the Underlying Limit.
     

    2. Definitions

    Wherever the following words and phrases appear in bold and italics in this Policy they shall have the meanings given to them below:

    "Claim" or "Circumstance" shall mean “claim”, “circumstance” or any other term by which the Primary Policy identifies matters potentially giving rise to payments thereunder in respect of

    Loss.

    "Insured" shall mean those persons and organisations identified at Item 1 of the Schedule and all other persons and organisations as are insured or otherwise entitled to indemnity under the

    Primary Policy.

    "Insurers" shall mean the insurers of this Policy identified at Item 2 of the Schedule.

    "Limit of Liability" shall mean the sum(s) shown at Item 4 of the Schedule being the maximum sum(s) the Insurers are liable to pay under this Policy for all Loss, subject to any reinstatement of limit expressly provided for at Item 4 of the Schedule. For the avoidance of doubt, there shall be no reinstatement of the Limit of Liability unless expressly provided for at Item 4, notwithstanding that the Primary Policy may provide for one or more reinstatements.

    "Loss" shall mean all and any amounts for which Insurers are liable to the Insured pursuant to the terms and conditions of this Policy and, for the avoidance of doubt and subject only to the operation of any express terms hereof in accordance with clause 1.1 above, this Policy shall be liable to pay as Loss all losses, costs, liabilities or damages and other expenses of the Insured as are covered by the Primary Policy of whatever nature and howsoever described by the Primary Policy. However, and notwithstanding any provision to the contrary in the Primary Policy, the liability of the Insurers of this Policy to the Insured for costs and expenses of any kind whatsoever shall be part of, and not in addition to, the Limit of Liability.

    "Period of Insurance" shall mean the period set out at Item 3 of the Schedule.

    "Policy" shall mean this insurance contract which includes any endorsements and schedules hereto.

    "Premium" shall mean the sum shown at Item 6 of the Schedule.

    “Primary Limits” shall mean the limits of liability of the Primary Policy applicable to any loss or liability (as applicable) as set out in Item 5(a) of the Schedule.

    "Primary Policy" shall mean the policy identified at Item 5(a) of the Schedule or any policy(ies) issued in substitution thereof.

    "Relevant Provision" shall mean any provision of an Underlying Policy which reduces the limit of liability of the Underlying Policy automatically by reference to the amount paid or payable under another policy of insurance, or by reference to the limit of liability under another policy of insurance. For the avoidance of doubt, a provision which provides that an Underlying Policy shall pay only the amount by which any loss or liability (as applicable) exceeds the amount paid or payable under any other policy or policies, or which allows the insurer credit for the value of other insurance or indemnification, or which requires the Insured to pursue such insurance or

     

    indemnification prior to claiming under the Underlying Policy (such as an “other insurance” or “non-contribution” or other similar provision), shall not be a Relevant Provision.

    "Schedule" shall mean the schedule to this Policy.

    "Sublimit(s)" shall mean any limit or limits of insurers' liability in the Primary Policy imposed in respect of a particular category of loss or liability (as applicable) and which specifies that the maximum liability of the insurer shall be less than the otherwise generally applicable limit of liability of the Primary Policy.

    "Underlying Limit" shall mean the cumulative total of the limits of liability of the insurer(s) of the Underlying Policy(ies) applicable to any loss or liability (as applicable) as set out in Item 5 of the Schedule.

    "Underlying Policy(ies)" shall mean the policies listed at Item 5 of the Schedule.

    3. Maintenance of the Underlying Policy(ies)

    The Primary Policy, or any policies issued in substitution thereof, shall be maintained in full force and effect during the Period of Insurance save to the extent that it is eroded. This obligation shall cease to apply in the event that the Primary Policy is completely eroded. Clause 1.3 hereof shall apply for the purposes of determining whether and to what extent erosion has occurred. Where an Underlying Policy other than the Primary Policy does not continue in full force and effect (other than by reason of erosion) such policy shall be deemed for all purposes of this Policy to have been maintained. The Primary Policy shall be deemed maintained if it is replaced by the operation of clause 4 hereof.

    4. Step-Down of Cover

    Subject always to the Limit of Liability:

    4.1      In the event of the reduction of the amount of indemnity available under any Underlying Policy by reason of partial erosion of the Underlying Limit (and in determining the existence and extent of such erosion the provisions of clause 1.3 shall apply) this Policy shall, subject to the Limit of Liability and to the other terms, conditions and limitations of this Policy, continue to be available to pay that proportion of Loss which exceeds the amount of indemnity remaining under the Underlying Policy(ies).
    4.2      In the event of there being no indemnity available under the Underlying Policy(ies) by reason of the complete erosion of the Underlying Limit (and in determining the existence and extent of such erosion the provisions of clause 1.3 shall apply), the remaining limits available under this Policy shall, subject to the Limit of Liability and to the other terms, conditions and limitations of this Policy, continue for subsequent Loss as primary insurance and, in that event, any retention, excess or deductible and the remainder of any Sublimit specified in the Primary Policy shall apply under this Policy in respect of Loss.
     

    5. Notification

    Any notification to the Primary Policy of a Claim or Circumstance which is required to be given in accordance with the terms and conditions of the Primary Policy shall also be given to the Insurers in writing.

    6.      Claims Participation
    6.1      The Insurers shall have no liability to pay costs and expenses incurred by or on behalf of the Insured unless their consent to the incurring of such costs and expenses has first been obtained, such consent not to be unreasonably delayed or withheld.
    6.2      No settlement of a claim brought by a third party shall be effected by or on behalf of the Insured for such a sum as will require payment by Insurers under this Policy unless the consent of the Insurers has first been obtained, such consent not to be unreasonably delayed or withheld.
    7.      Cancellation and Termination

    This Policy may be terminated or cancelled or shall become automatically terminated or cancelled in the same manner and on the same basis or bases as the Primary Policy. However, breach by the Insured of any obligation to pay premium in respect of the Primary Policy or in respect of any other of the Underlying Policy(ies) shall not entitle the Insurers to terminate or cancel this Policy.

    8. Recoveries

    Where, following payment of Loss by Insurers, recovery is effected, then such recovery, net of the expenses of its being effected, shall be distributed in the following order to the following parties:

    (i)      to the Insured or, to such extent, if any, as appropriate, to any insurer of a policy applying excess of this Policy, but only to the extent (if any) by which such loss or liability (as applicable) exceeded the sum of the excess, deductible or retention of the Primary Policy, the Underlying Limit and the amount paid hereunder; and,
    (ii)      if any balance remains following the application of (i) above, to the Insurers to the extent of the amount(s) paid by them hereunder in respect of Loss; and,
    (iii)      if any balance remains following the application of (i) and (ii) above, to those, if any, entitled pursuant to the operation of the Underlying Policies to such extent, if any, of the entitlements conferred thereunder; and

    For the avoidance of doubt, nothing in this Policy shall be construed as limiting or delaying the Insured's right to payment of any Loss hereunder until such time as it has effected any recovery.

    9. Alteration

    No material amendment to the terms of the Primary Policy shall apply in respect of this Policy unless and until agreed in writing by the Insurers.

     

    10. Reporting Period

    Where the terms of the Primary Policy provide:

    (i)      the Insured with a period of time immediately following the policy period of the Primary Policy during which notice may be given to the insurers of the Primary Policy
      of any Claims or Circumstances; and/or,
    (ii) the right to purchase such a period,

     

    then the Insured shall have the same period and/or right under this Policy in the same manner and on the same terms as those provided for in the Primary Policy except in relation to the premium payable (if any). The premium (if any) payable in respect of any such period available hereunder is set out in Item 9 of the Schedule.

    11. Governing Law and Jurisdiction

    This insurance shall be governed by and construed in accordance with the laws of the State of Massachusetts and any dispute arising hereunder shall be subject to the exclusive jurisdiction of the courts of United States of America as per NMA1998 Service of Suit Clause U.S.A. as attached.

    12. Complaints

    The Insurers aim to provide a high standard at all times but if the Insured is not satisfied with the service provided it should contact the following:

    In respect of Lloyd's underwriters: the person(s) identified in Item 10(a) of the Schedule.

    In respect of Insurers other than Lloyd's underwriters, Willis Limited will provide on request details of the relevant persons.

    In the event that the Insured remains dissatisfied it may be possible for the Insured's complaint to be referred to the Financial Ombudsman Service who may review the matter. The Financial Ombudsman Service address is:

    Financial Ombudsman Service
    South Quay Plaza
    183 Marsh Wall
    London E14 9SR
    Telephone: 0845 0801800
    Email: enquiries@financial-ombudsman.org.uk
    Website: www.financial-ombudsman.org.uk

     

    ENDORSEMENT No 1

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No. B080113017P10

    SPECIAL CANCELLATION CLAUSE

    In the event that an Underwriter:

    a)      ceases underwriting; or
    b)      is the subject of an order or resolution for winding up or formally proposes a scheme of arrangement; or
    c)      has its authority to carry on insurance business withdrawn,
    d)      has its financial strength rating reduced by A.M.Best's, Standard & Poor's or equivalent rating agency to less than A-.

    the Insured may terminate that Underwriter's participation on this risk forthwith by giving notice and the premium payable to that Underwriter shall be pro rata to the time on risk. In the event there are any notified, reserved or paid losses or circumstances, premium shall be deemed fully earned. Any return of premium shall also be subject to a written full release of liability from the Insured.

    NMA2975 (amended)
    30/05/03

     

    ENDORSEMENT No 2

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No. B080113017P10

    U.S. TERRORISM RISK INSURANCE ACT OF 2002 AS AMENDED

    NEW & RENEWAL BUSINESS ENDORSEMENT

    This Endorsement is issued in accordance with the terms and conditions of the "U.S. Terrorism Risk Insurance Act of 2002" as amended as summarized in the disclosure notice.

    In consideration of an additional premium of USD 1,834 paid, it is hereby noted and agreed with effect from inception that the Terrorism exclusion to which this Insurance is subject, shall not apply to any “insured loss” directly resulting from any "act of terrorism" as defined in the "U.S. Terrorism Risk Insurance Act of 2002", as amended ("TRIA").

    The coverage afforded by this Endorsement is only in respect of any “insured loss” of the type insured by this Insurance directly resulting from an "act of terrorism" as defined in TRIA. The coverage provided by this Endorsement shall expire at 12:00 midnight December 31, 2014, the date on which the TRIA Program is scheduled to terminate, or the expiry date of the policy whichever occurs first, and shall not cover any losses or events which arise after the earlier of these dates. The Terrorism exclusion, to which this Insurance is subject, applies in full force and effect to any other losses and any act or events that are not included in said definition of "act of terrorism".

    This Endorsement only affects the Terrorism exclusion to which this Insurance is subject. All other terms, conditions, insured coverage and exclusions of this Insurance including applicable limits and deductibles remain unchanged and apply in full force and effect to the coverage provided by this Insurance.

    Furthermore the Underwriter(s) will not be liable for any amounts for which they are not responsible under the terms of TRIA (including subsequent action of Congress pursuant to the Act) due to the application of any clause which results in a cap on the Underwriter's liability for payment for terrorism losses.

    21/12/2007
    LMA5091
    Form approved by Lloyd's Market Association

     

    ENDORSEMENT No 3

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No. B080113017P10

    WAR AND TERRORISM EXCLUSION ENDORSEMENT

    Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss;

    (1)      war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; or
    (2)      any act of terrorism.
      For the purpose of this endorsement an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

    This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to (1) and/or (2) above.

    In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.

    NMA2918 (amended)
    08/10/2001

     

    ENDORSEMENT No 4

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No. B080113017P10

    PREMIUM PAYMENT CLAUSE

    Notwithstanding any provision to the contrary within this contract or any endorsement hereto, in respect of non payment of premium only the following clause will apply.

    The (Re)Insured undertakes that premium will be paid in full to (Re)Insurers by 29 August 2010.

    If the premium due under this contract has not been so paid to (Re)Insurers by 29 August 2010 (Re)Insurers shall have the right to cancel this contract by notifying the (Re)Insured via the broker in writing. In the event of cancellation, premium is due to (Re)Insurers on a pro rata basis for the period that (Re)Insurers are on risk but the full contract premium shall be payable to (Re)Insurers in the event of a loss or occurrence prior to the date of termination which gives rise to a valid claim under this contract.

    It is agreed that (Re)Insurers shall give not less than 15 days prior notice of cancellation to the (Re)Insured via the broker. If premium due is paid in full to (Re)Insurers before the notice period expires, notice of cancellation shall automatically be revoked. If not, the contract shall automatically terminate at the end of the notice period.

    If any provision of this clause is found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, such invalidity or unenforceability will not affect the other provisions of this clause which will remain in full force and effect.

    30/09/08
    LSW3001

    WILLIS ADDENDUM TO PREMIUM PAYMENT CLAUSE LSW 3001

    Notice of Cancellation in writing for the purposes of the Premium Payment Clause (LSW3001) shall be notice in writing to the Group's Compliance Officer at the Willis Building, 51 Lime Street, London EC3M 7DQ, and delivered by registered post or received and acknowledged personally by the Compliance Officer. The notice will only be accepted if the risk is properly identified, and includes at least the name of the Insured, the Willis slip reference number, the class of business and any other information which will enable the risk to be clearly identified. Further, for the avoidance of doubt, a notice of cancellation sent by e-mail to the Company shall not constitute notice in writing for the purposes of the application of the Premium Payment Clause (LSW3001).

     

    ENDORSEMENT No 5

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No. B080113017P10

    U.S.A.

    NUCLEAR INCIDENT EXCLUSION CLAUSE-LIABILITY-DIRECT (BROAD)

    For attachment to insurances of the following classifications in the U.S.A., its Territories and Possessions, Puerto Rico and the Canal Zone:-Owners, Landlords and Tenants Liability, Contractual Liability, Elevator Liability, Owners or Contractors (including railroad) Protective Liability, Manufacturers and Contractors Liability, Product Liability, Professional and Malpractice Liability, Storekeepers Liability, Garage Liability, Automobile Liability (including Massachusetts Motor Vehicle or Garage Liability), not being insurances of the classifications to which the Nuclear Incident Exclusion Clause-Liability-Direct (Limited) applies.

    This policy* does not apply:-

    I.      Under any Liability Coverage, to injury, sickness, disease, death or destruction
      (a)      with respect to which an insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters or Nuclear Insurance Association of Canada, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or
      (b)      resulting from the hazardous properties of nuclear material and with respect to which (1) any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or (2) the insured is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization.
    II.      Under any Medical Payments Coverage, or under any Supplementary Payments Provision
      relating      to immediate medical or surgical relief, to expenses incurred with respect of bodily
      injury,      sickness, disease or death resulting from the hazardous properties of nuclear material
      and      arising out of the operation of a nuclear facility by any person or organization.
    III.      Under any Liability Coverage, to injury, sickness, disease, death or destruction resulting
      from      the hazardous properties of nuclear material, if
      (a)      the nuclear material (1) is at any nuclear facility owned by, or operated by or on behalf of, an insured or (2) has been discharged or dispersed therefrom;
      (b)      the nuclear material is contained in spent fuel or waste at any time possessed, handled, used, processed, stored, transported or disposed of by or on behalf of an insured; or
      (c)      the injury, sickness, disease, death or destruction arises out of the furnishing by an
     

      insured of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any nuclear facility, but if such facility is located within the United States of America, its territories or possessions or Canada, this exclusion (c) applies only to injury to or destruction of property at such nuclear facility.
    IV.      As used in this endorsement:
      “hazardous      properties” include radioactive, toxic or explosive properties; “nuclear
      material”      means source material, special nuclear material or byproduct material; “source
      material”,      “special nuclear material”, and "byproduct material" have the meanings
      given      them in the Atomic Energy Act 1954 or in any law amendatory thereof; “spent fuel”
      means      any fuel element or fuel component, solid or liquid, which has been used or exposed
      to      radiation in a nuclear reactor; “waste” means any waste material (1) containing byproduct
      material      and (2) resulting from the operation by any person or organization of any nuclear
      facility      included within the definition of nuclear facility under paragraph (a) or (b) thereof;
      “nuclear      facility” means
      (a)      any nuclear reactor,
      (b)      any equipment or device designed or used for (1) separating the isotopes of uranium or plutonium, (2) processing or utilizing spent fuel, or (3) handling, processing or packaging waste,
      (c)      any equipment or device used for the processing, fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235,
      (d)      any structure, basin, excavation, premises or place prepared or used for the storage or disposal of waste, and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations; “nuclear reactor” means any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material.
       With respect to injury to or destruction of property, the word “injury” or “destruction” includes all forms of radioactive contamination of property.

    It is understood and agreed that, except as specifically provided in the foregoing to the contrary, this clause is subject to the terms, exclusions, conditions and limitations of the Policy to which it is attached.

    *NOTE:- As respects policies which afford liability coverages and other forms of coverage in addition, the words underlined should be amended to designate the liability coverage to which this clause is to apply.

    17/3/60

    N.      M.A. 1256
     

    ENDORSEMENT No 6

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No. B080113017P10

    U.S.A.

    RADIOACTIVE CONTAMINATION EXCLUSION CLAUSE

    -LIABILITY-DIRECT

    (Approved by Lloyd's Underwriters' Non-Marine Association)

    For attachment (in addition to the appropriate Nuclear Incident Exclusion Clause - Liability -Direct) to liability insurances affording worldwide coverage.

    In relation to liability arising outside the U.S.A., its Territories or Possessions, Puerto Rico or the Canal Zone, this Policy does not cover any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

    13/2/64
    N.M.A. 1477

    All other terms, conditions and limitations of this Policy shall remain unchanged.

     

    ENDORSEMENT No 7

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No. B080113017P10

    SERVICE OF SUIT CLAUSE (U.S.A.)

    It is agreed that in the event of the failure of the Underwriters hereon to pay any amount claimed to be due hereunder, the Underwriters hereon, at the request of the Assured (or Reinsured), will submit to the jurisdiction of a Court of competent jurisdiction within the United States. Nothing in this Clause constitutes or should be understood to constitute a waiver of Underwriters’ rights to commence an action in any Court of competent jurisdiction in the United States, to remove an action to a United States District Court, or to seek a transfer of a case to another Court as permitted by the laws of the United States or of any State in the United States. It is further agreed that service of process in such suit may be made upon Mendes & Mount LLP, 750 Seventh Avenue, New York New York 10019-6829, United States of America and that in any suit instituted against any one of them upon this contract, Underwriters will abide by the final decision of such Court or of any Appellate Court in the event of an appeal.

    The above-named are authorized and directed to accept service of process on behalf of Underwriters in any such suit and/or upon the request of the Assured (or Reinsured) to give a written undertaking to the Assured (or Reinsured) that they will enter a general appearance upon Underwriters’ behalf in the event such a suit shall be instituted.

    Further, pursuant to any statute of any state, territory or district of the United States which makes provision therefor, Underwriters hereon hereby designate the Superintendent, Commissioner or Director of Insurance or other officer specified for that purpose in the statute, or his successor or successors in office, as their true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the Assured (or Reinsured) or any beneficiary hereunder arising out of this contract of insurance (or reinsurance), and hereby designate the above-named as the person to whom the said officer is authorized to mail such process or a true copy thereof.

    N.M.A. 1998 (24/4/86)

    All other terms, conditions and limitations of this Policy shall remain unchanged.

     

    ENDORSEMENT No 8

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No.B080113017P10

    The language used for Contract interpretation shall be English as set out in the contract Wording.

    All other terms, conditions and limitations of this Policy shall remain unchanged.

     

    ENDORSEMENT No 9

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No.B080113017P10

    Where any date on which the Premium is due to be paid falls on a weekend or Public Holiday, presentation to Insurers or their agents on the next working day will be deemed to comply with the relevant premium payment requirement. For the purposes of this clause, Public Holiday shall mean any public or statutory holiday in any territory through which the Premium must pass between the Insured and Insurers or their agents.

    All other terms, conditions and limitations of this Policy shall remain unchanged.

     

    ENDORSEMENT No 10

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No.B080113017P10

    This contract is subject to US State Surplus Lines requirements. It is the responsibility of the Surplus Lines Broker to affix a Surplus Lines Notice to the contract document before it is provided to the insured. In the event that the Surplus Lines Notice is not affixed to the contract document the insured should contact the Surplus Lines broker.

    All other terms, conditions and limitations of this Policy shall remain unchanged.

     

    (RE)INSURERS LIABILITY CLAUSE

    (Re)insurer’s liability several not joint

    The liability of a (re)insurer under this contract is several and not joint with other (re)insurers party to this contract. A (re)insurer is liable only for the proportion of liability it has underwritten. A (re)insurer is not jointly liable for the proportion of liability underwritten by any other (re)insurer. Nor is a (re)insurer otherwise responsible for any liability of any other (re)insurer that may underwrite this contract.

    The proportion of liability under this contract underwritten by a (re)insurer (or, in the case of a Lloyd’s syndicate, the total of the proportions underwritten by all the members of the syndicate taken together) is shown next to its stamp. This is subject always to the provision concerning “signing” below.

    In the case of a Lloyd’s syndicate, each member of the syndicate (rather than the syndicate itself) is a (re)insurer. Each member has underwritten a proportion of the total shown for the syndicate (that total itself being the total of the proportions underwritten by all the members of the syndicate taken together). The liability of each member of the syndicate is several and not joint with other members. A member is liable only for that member’s proportion. A member is not jointly liable for any other member’s proportion. Nor is any member otherwise responsible for any liability of any other (re)insurer that may underwrite this contract. The business address of each member is Lloyd’s, One Lime Street, London EC3M 7HA. The identity of each member of a Lloyd’s syndicate and their respective proportion may be obtained by writing to Market Services, Lloyd’s, at the above address.

    Proportion of liability

    Unless there is “signing” (see below), the proportion of liability under this contract underwritten by each (re)insurer (or, in the case of a Lloyd’s syndicate, the total of the proportions underwritten by all the members of the syndicate taken together) is shown next to its stamp and is referred to as its “written line”.

    Where this contract permits, written lines, or certain written lines, may be adjusted (“signed”). In that case a schedule is to be appended to this contract to show the definitive proportion of liability under this contract underwritten by each (re)insurer (or, in the case of a Lloyd’s syndicate, the total of the proportions underwritten by all the members of the syndicate taken together). A definitive proportion (or, in the case of a Lloyd’s syndicate, the total of the proportions underwritten by all the members of a Lloyd’s syndicate taken together) is referred to as a “signed line”. The signed lines shown in the schedule will prevail over the written lines unless a proven error in calculation has occurred.

    Although reference is made at various points in this clause to “this contract” in the singular, where the circumstances so require this should be read as a reference to contracts in the plural.

    21/6/07
    LMA3333

     


    BUREAU REFERENCE 61805 09/07/2010 BROKER NUMBER 0801  
    PROPORTION % SYNDICATE UNDERWRITER'S REFERENCE  
    25.000------------------------- 2488------------------------- AKFH6ALH5138  
    7.500------------------------- 1274------------------------- 300564100010  
    20.625------------------------- 2003------------------------- BX8000259137  
    12.500------------------------- 4000------------------------- 09397 L10AA
    10.000------------------------- 1183------------------------- CFT109082A10  
    9.375------------------------- 1886------------------------- 10BA210563KA  
    15.000------------------------- 382------------------------- FB4HEA1499CX  
    TOTAL LINE No. OF SYNDICATES    
    100.000 7    

     

    THE LIST OF UNDERWRITING MEMBERS
    OF LLOYD'S IS IN RESPECT OF 2010
    YEAR OF ACCOUNT
    BUREAU USE ONLY   Page 1 of 1
    USL1 72 13216 RISK CODE: BB  

     

     


    BUREAU REFERENCE 61807 09/07/2010 BROKER NUMBER 0801  
    PROPORTION % SYNDICATE UNDERWRITER'S REFERENCE  
    25.000------------------------- 2488------------------------- AKFT6ALH5138  
    7.500------------------------- 1274------------------------- 300564100010  
    20.625------------------------- 2003------------------------- BX5000259138  
    12.500------------------------- 4000------------------------- 09397 L10AB
    10.000------------------------- 1183------------------------- CFT109082A10  
    9.375------------------------- 1886------------------------- 10BA210563KB  
    15.000------------------------- 382------------------------- TR1AEA0063CX  
    TOTAL LINE No. OF SYNDICATES    
    100.000 7    

     

    THE LIST OF UNDERWRITING MEMBERS
    OF LLOYD'S IS IN RESPECT OF 2010
    YEAR OF ACCOUNT
    BUREAU USE ONLY   Page 1 of 1
    USL1 72 13216 RISK CODE: 7T  

     

     

    One Lime Street London EC3M 7HA

     
         EX-7 7 london40po70x150fibondpolicy.htm london40po70x150fibondpolicy.htm - Generated by SEC Publisher for SEC Filing

    Lloyd’s Policy

    We, Underwriting Members of the Syndicates whose definitive numbers and proportions are shown in the Table attached hereto (hereinafter referred to as 'the Underwriters'), hereby agree, in consideration of the payment to Us by or on behalf of the Assured of the Premium specified in the Schedule, to insure against loss, including but not limited to associated expenses specified herein, if any, to the extent and in the manner provided in this Policy.

    The Underwriters hereby bind themselves severally and not jointly, each for his own part and not one for another, and therefore each of the Underwriters (and his Executors and Administrators) shall be liable only for his own share of his Syndicate's proportion of any such Loss and of any such Expenses. The identity of each of the Underwriters and the amount of his share may be ascertained by the Assured or the Assured's representative on application to Lloyd's Policy Signing Office, quoting the Lloyd's Policy Signing Office number and date or reference shown in the Table.

    If the Assured shall make any claim knowing the same to be false or fraudulent, as regards amount or otherwise, this Policy shall become void and all claim hereunder shall be forfeited.

    In Witness whereof the General Manager of Lloyd's Policy Signing Office has signed this Policy on behalf of each of Us.

    LLOYD'S POLICY SIGNING OFFICE
    General Manager

    If this policy (or any subsequent endorsement) has been produced to you in electronic form, the original document is stored on the Insurer's Market Repository to which your broker has access.

    J(A) NMA2421 (3/1/95) Form approved by Lloyd’s Market Association

     

    WILLIS EXCESS FINANCIAL LINES POLICY
     
    Please read this Policy carefully.
     
    SCHEDULE
     
    Policy Number: B080113011P10  
     
    Item 1: Insured: Fidelity Fixed Income and Asset Allocation Funds and
        as more fully defined in the Contract Wording
     
      Principal Address: 82 Devonshire Street,
    Mailstop F3D,
        Boston,
        Massachusetts 02109,
        United States of America
     
    Item 2: Insurer(s): Lloyd’s Syndicates:
        ACE AGM 2488 and others
     
    Item 3: Period of Insurance: 1 July 2010 to 1 July 2011
        Both Days at 00:01 local standard time at the Principal
        address shown at Item 1 above.
     
    Item 4: Limit of Liability: USD 40,000,000 any one loss/claim and in the
        aggregate for the period part of USD 70,000,000 any
        one loss/claim and in the aggregate for the period
     
    Item 5: Underlying  
      Policy(ies): in excess of underlying contracts for
        USD 150,000,000 any one loss/claim and in the
        aggregate for the period the details of which are held
        on file in the offices of Willis Limited
     
      Retention: Primary contract Retentions detailed as per National
        Union Fire Insurance Company of Pittsburgh, PA
        Policy No: 01-988-33-82
     
     
    Item 6: Premium: USD 183,400 per annum for 100% for USD
    40,000,000 order
        plus TRIA being USD 1,834
      Taxes: USD None

     

     

    Item 7: Notification(s) in accordance with clause 5 required to be  
      addressed to: Willis Limited,  
          FINEX - Claims Department,  
          51 Lime Street,  
          London      
          EC3M 7DQ      
          United Kingdom.  
     
    Item 8: Endorsements are as attached at issue of this Contract.  
     
    Item 9: Additional premium required: Nil      
     
    Item 10: Addressees for complaints:        
     
      (a) For Insurers who are Lloyd's Insurers:  
     
          Policyholder and Market Assistance  
          Lloyd’s Market Services  
          One Lime Street  
          London      
          EC3M 7HA      
          United Kingdom.  
     
          Telephone: + 44 (0)207 327 5693
          Facsimile: + 44 (0)207 327 5225
          Email:     Complaints@Lloyds.com  

     

    (b)      For all other Insurers:
      Willis Limited will provide details on request.
    Item 11: Interest: Excess Financial Institutions Bond Insurance
    Item 12: Territorial Limits: As per Primary Contract Wording
    Dated in London: 05 June 2010  

     

     

    WILLIS EXCESS FINANCIAL LINES POLICY

    In consideration of the Insured having paid or agreed to pay the Premium and subject to all of the definitions, terms, conditions and limitations of this Policy, Insurers and the Insured agree as follows:

    1.      Insuring Agreement
    1.1      Except insofar as the express terms of this Policy:
      (a)      make specific provision in respect of any matter for which specific provision is also made in the Primary Policy, in which case the express terms of this Policy shall prevail; or
      (b)      make specific provision in respect of any matter for which no specific provision is made in the Primary Policy, in which case the express terms of this Policy shall apply;
      this      Policy shall take effect and operate in accordance with the terms of the Primary
      Policy.     
    1.2      Subject to the Limit of Liability, the Insurers shall pay to or on behalf of the
      Insured      that proportion of Loss which exceeds the Underlying Limit.
    1.3      Except as provided specifically to the contrary in this Policy, the Insurers shall have
      no      liability to make payment for any Loss under this Policy until the Underlying
      Limit      has been completely eroded by amounts which the insurers of the Underlying
      Policy(ies)      :
      (i)      shall have paid; or,
      (ii)      shall have agreed to pay; or,
      (iii)      shall have had their liability to pay established by judgment, arbitration award or other final binding adjudication;
      whichever      of (i) to (iii) above as shall occur first. Furthermore, in determining
      whether      and the extent to which erosion has occurred,
      where,      as part of any agreement to pay loss or liability (as applicable) under an
      Underlying      Policy, an insurer agrees to pay an amount which is less than the
      applicable      limit of liability thereunder on terms that such payment shall be treated as
      or      equivalent to payment in full of such limit of liability, the Insurers will pay Loss
      under      this Policy as if such insurer had paid the applicable limit of liability in full.
      However,      in such circumstances the Insurers shall pay Loss only to the extent that,
      in      the absence of agreement of the kind referred to in the previous sentence, the Loss
      of      the Insured would have exceeded the Underlying Limit.
     

    2. Definitions

    Wherever the following words and phrases appear in bold and italics in this Policy they shall have the meanings given to them below:

    "Claim" or "Circumstance" shall mean “claim”, “circumstance” or any other term by which the Primary Policy identifies matters potentially giving rise to payments thereunder in respect of Loss.

    "Insured" shall mean those persons and organisations identified at Item 1 of the Schedule and all other persons and organisations as are insured or otherwise entitled to indemnity under the Primary Policy.

    "Insurers" shall mean the insurers of this Policy identified at Item 2 of the Schedule.

    "Limit of Liability" shall mean the sum(s) shown at Item 4 of the Schedule being the maximum sum(s) the Insurers are liable to pay under this Policy for all Loss, subject to any reinstatement of limit expressly provided for at Item 4 of the Schedule. For the avoidance of doubt, there shall be no reinstatement of the Limit of Liability unless expressly provided for at Item 4, notwithstanding that the Primary Policy may provide for one or more reinstatements.

    "Loss" shall mean all and any amounts for which Insurers are liable to the Insured pursuant to the terms and conditions of this Policy and, for the avoidance of doubt and subject only to the operation of any express terms hereof in accordance with clause 1.1 above, this Policy shall be liable to pay as Loss all losses, costs, liabilities or damages and other expenses of the Insured as are covered by the Primary Policy of whatever nature and howsoever described by the Primary Policy. However, and notwithstanding any provision to the contrary in the Primary Policy, the liability of the Insurers of this Policy to the Insured for costs and expenses of any kind whatsoever shall be part of, and not in addition to, the Limit of Liability.

    "Period of Insurance" shall mean the period set out at Item 3 of the Schedule.

    "Policy" shall mean this insurance contract which includes any endorsements and schedules hereto.

    "Premium" shall mean the sum shown at Item 6 of the Schedule.

    “Primary Limits” shall mean the limits of liability of the Primary Policy applicable to any loss or liability (as applicable) as set out in Item 5(a) of the Schedule.

    "Primary Policy" shall mean the policy identified at Item 5(a) of the Schedule or any policy(ies) issued in substitution thereof.

    "Relevant Provision" shall mean any provision of an Underlying Policy which reduces the limit of liability of the Underlying Policy automatically by reference to the amount paid or payable under another policy of insurance, or by reference to the limit of liability under another policy of insurance. For the avoidance of doubt, a provision which provides that an Underlying Policy shall pay only the amount by which any loss or liability (as applicable) exceeds the amount paid or payable under any other policy or policies, or which allows the insurer credit for the value of other insurance or indemnification, or which requires the Insured to pursue such insurance or indemnification prior to claiming under the Underlying

     

    Policy (such as an “other insurance” or “non-contribution” or other similar provision), shall not be a Relevant Provision.

    "Schedule" shall mean the schedule to this Policy.

    "Sublimit(s)" shall mean any limit or limits of insurers' liability in the Primary Policy imposed in respect of a particular category of loss or liability (as applicable) and which specifies that the maximum liability of the insurer shall be less than the otherwise generally applicable limit of liability of the Primary Policy.

    "Underlying Limit" shall mean the cumulative total of the limits of liability of the insurer(s) of the Underlying Policy(ies) applicable to any loss or liability (as applicable) as set out in Item 5 of the Schedule.

    "Underlying Policy(ies)" shall mean the policies listed at Item 5 of the Schedule.

    3. Maintenance of the Underlying Policy(ies)

    The Primary Policy, or any policies issued in substitution thereof, shall be maintained in full force and effect during the Period of Insurance save to the extent that it is eroded. This obligation shall cease to apply in the event that the Primary Policy is completely eroded. Clause 1.3 hereof shall apply for the purposes of determining whether and to what extent erosion has occurred. Where an Underlying Policy other than the Primary Policy does not continue in full force and effect (other than by reason of erosion) such policy shall be deemed for all purposes of this Policy to have been maintained. The Primary Policy shall be deemed maintained if it is replaced by the operation of clause 4 hereof.

    4. Step-Down of Cover

    Subject always to the Limit of Liability:

    4.1      In the event of the reduction of the amount of indemnity available under any Underlying Policy by reason of partial erosion of the Underlying Limit (and in determining the existence and extent of such erosion the provisions of clause 1.3 shall apply) this Policy shall, subject to the Limit of Liability and to the other terms, conditions and limitations of this Policy, continue to be available to pay that proportion of Loss which exceeds the amount of indemnity remaining under the
      Underlying Policy(ies).
    4.2      In the event of there being no indemnity available under the Underlying Policy(ies) by reason of the complete erosion of the Underlying Limit (and in determining the existence and extent of such erosion the provisions of clause 1.3 shall apply), the remaining limits available under this Policy shall, subject to the Limit of Liability and to the other terms, conditions and limitations of this Policy, continue for subsequent Loss as primary insurance and, in that event, any retention, excess or deductible and the remainder of any Sublimit specified in the Primary Policy shall apply under this Policy in respect of Loss.
    5.      Notification

    Any notification to the Primary Policy of a Claim or Circumstance which is required to be given in accordance with the terms and conditions of the Primary Policy shall also be given to the Insurers in writing.

     

    6.      Claims Participation
    6.1      The Insurers shall have no liability to pay costs and expenses incurred by or on behalf of the Insured unless their consent to the incurring of such costs and expenses has first been obtained, such consent not to be unreasonably delayed or withheld.
    6.2      No settlement of a claim brought by a third party shall be effected by or on behalf of the Insured for such a sum as will require payment by Insurers under this Policy unless the consent of the Insurers has first been obtained, such consent not to be unreasonably delayed or withheld.
    7.      Cancellation and Termination

    This Policy may be terminated or cancelled or shall become automatically terminated or cancelled in the same manner and on the same basis or bases as the Primary Policy. However, breach by the Insured of any obligation to pay premium in respect of the Primary Policy or in respect of any other of the Underlying Policy(ies) shall not entitle the Insurers to terminate or cancel this Policy.

    8. Recoveries

    Where, following payment of Loss by Insurers, recovery is effected, then such recovery, net of the expenses of its being effected, shall be distributed in the following order to the following parties:

    (i)      to the Insured or, to such extent, if any, as appropriate, to any insurer of a policy applying excess of this Policy, but only to the extent (if any) by which such loss or liability (as applicable) exceeded the sum of the excess, deductible or retention of the Primary Policy, the Underlying Limit and the amount paid hereunder; and,
    (ii)      if any balance remains following the application of (i) above, to the Insurers to the extent of the amount(s) paid by them hereunder in respect of Loss; and,
    (iii)      if any balance remains following the application of (i) and (ii) above, to those, if any, entitled pursuant to the operation of the Underlying Policies to such extent, if any, of the entitlements conferred thereunder; and

    For the avoidance of doubt, nothing in this Policy shall be construed as limiting or delaying the Insured's right to payment of any Loss hereunder until such time as it has effected any recovery.

    9. Alteration

    No material amendment to the terms of the Primary Policy shall apply in respect of this Policy unless and until agreed in writing by the Insurers.

    10. Reporting Period

    Where the terms of the Primary Policy provide:

    (i)      the Insured with a period of time immediately following the policy period of the
    Primary Policy during which notice may be given to the insurers of the Primary
    Policy of any Claims or Circumstances; and/or,

     

     

    (ii) the right to purchase such a period,

    then the Insured shall have the same period and/or right under this Policy in the same manner and on the same terms as those provided for in the Primary Policy except in relation to the premium payable (if any). The premium (if any) payable in respect of any such period available hereunder is set out in Item 9 of the Schedule.

    11. Governing Law and Jurisdiction

    This insurance shall be governed by and construed in accordance with the laws of the State of Massachusetts and any dispute arising hereunder shall be subject to the exclusive jurisdiction of the courts of United States of America as per NMA1998 Service of Suit Clause U.S.A. as attached.

    12. Complaints

    The Insurers aim to provide a high standard at all times but if the Insured is not satisfied with the service provided it should contact the following:

    In respect of Lloyd's underwriters: the person(s) identified in Item 10(a) of the Schedule.

    In respect of Insurers other than Lloyd's underwriters, Willis Limited will provide on request details of the relevant persons.

    In the event that the Insured remains dissatisfied it may be possible for the Insured's complaint to be referred to the Financial Ombudsman Service who may review the matter. The Financial Ombudsman Service address is:

    Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR

    Telephone: 0845 0801800

    Email: enquiries@financial-ombudsman.org.uk Website: www.financial-ombudsman.org.uk

     

    ENDORSEMENT No 1

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No.

    B080113011P10

    SPECIAL CANCELLATION CLAUSE

    In the event that an Underwriter:

    a)      ceases underwriting; or
    b)      is the subject of an order or resolution for winding up or formally proposes a scheme of arrangement; or
    c)      has its authority to carry on insurance business withdrawn,
    d)      has its financial strength rating reduced by A.M.Best's, Standard & Poor's or equivalent rating agency to less than A-.

    the Insured may terminate that Underwriter's participation on this risk forthwith by giving notice and the premium payable to that Underwriter shall be pro rata to the time on risk. In the event there are any notified, reserved or paid losses or circumstances, premium shall be deemed fully earned. Any return of premium shall also be subject to a written full release of liability from the Insured.

    NMA2975 (amended)
    30/05/03

     

    ENDORSEMENT No 2

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No. B080113011P10

    U.S. TERRORISM RISK INSURANCE ACT OF 2002 AS AMENDED

    NEW & RENEWAL BUSINESS ENDORSEMENT

    This Endorsement is issued in accordance with the terms and conditions of the "U.S. Terrorism Risk Insurance Act of 2002" as amended as summarized in the disclosure notice.

    In consideration of an additional premium of USD 1,834 paid, it is hereby noted and agreed with effect from inception that the Terrorism exclusion to which this Insurance is subject, shall not apply to any “insured loss” directly resulting from any "act of terrorism" as defined in the "U.S. Terrorism Risk Insurance Act of 2002", as amended ("TRIA").

    The coverage afforded by this Endorsement is only in respect of any “insured loss” of the type insured by this Insurance directly resulting from an "act of terrorism" as defined in TRIA. The coverage provided by this Endorsement shall expire at 12:00 midnight December 31, 2014, the date on which the TRIA Program is scheduled to terminate, or the expiry date of the policy whichever occurs first, and shall not cover any losses or events which arise after the earlier of these dates. The Terrorism exclusion, to which this Insurance is subject, applies in full force and effect to any other losses and any act or events that are not included in said definition of "act of terrorism".

    This Endorsement only affects the Terrorism exclusion to which this Insurance is subject. All other terms, conditions, insured coverage and exclusions of this Insurance including applicable limits and deductibles remain unchanged and apply in full force and effect to the coverage provided by this Insurance.

    Furthermore the Underwriter(s) will not be liable for any amounts for which they are not responsible under the terms of TRIA (including subsequent action of Congress pursuant to the Act) due to the application of any clause which results in a cap on the Underwriter's liability for payment for terrorism losses.

    21/12/2007
    LMA5091
    Form approved by Lloyd's Market Association

     

    ENDORSEMENT No 3

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No. B080113011P10

    WAR AND TERRORISM EXCLUSION ENDORSEMENT

    Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss;

    (1)      war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; or
    (2)      any act of terrorism.
      For the purpose of this endorsement an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

    This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to (1) and/or (2) above.

    In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.

    NMA2918 (amended)
    08/10/2001

     

    ENDORSEMENT No 4

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No. B080113011P10

    PREMIUM PAYMENT CLAUSE

    Notwithstanding any provision to the contrary within this contract or any endorsement hereto, in respect of non payment of premium only the following clause will apply.

    The (Re)Insured undertakes that premium will be paid in full to (Re)Insurers by 29 August 2010.

    If the premium due under this contract has not been so paid to (Re)Insurers by 29 August 2010 (Re)Insurers shall have the right to cancel this contract by notifying the (Re)Insured via the broker in writing. In the event of cancellation, premium is due to (Re)Insurers on a pro rata basis for the period that (Re)Insurers are on risk but the full contract premium shall be payable to (Re)Insurers in the event of a loss or occurrence prior to the date of termination which gives rise to a valid claim under this contract.

    It is agreed that (Re)Insurers shall give not less than 15 days prior notice of cancellation to the (Re)Insured via the broker. If premium due is paid in full to (Re)Insurers before the notice period expires, notice of cancellation shall automatically be revoked. If not, the contract shall automatically terminate at the end of the notice period.

    If any provision of this clause is found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, such invalidity or unenforceability will not affect the other provisions of this clause which will remain in full force and effect.

    30/09/08
    LSW3001

    WILLIS ADDENDUM TO PREMIUM PAYMENT CLAUSE LSW 3001

    Notice of Cancellation in writing for the purposes of the Premium Payment Clause (LSW3001) shall be notice in writing to the Group's Compliance Officer at the Willis Building, 51 Lime Street, London EC3M 7DQ, and delivered by registered post or received and acknowledged personally by the Compliance Officer. The notice will only be accepted if the risk is properly identified, and includes at least the name of the Insured, the Willis slip reference number, the class of business and any other information which will enable the risk to be clearly identified. Further, for the avoidance of doubt, a notice of cancellation sent by e-mail to the Company shall not constitute notice in writing for the purposes of the application of the Premium Payment Clause (LSW3001).

     

    ENDORSEMENT No 5

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No. B080113011P10

    U.S.A.

    NUCLEAR INCIDENT EXCLUSION CLAUSE-LIABILITY-DIRECT (BROAD)

    For attachment to insurances of the following classifications in the U.S.A., its Territories and Possessions, Puerto Rico and the Canal Zone:-Owners, Landlords and Tenants Liability, Contractual Liability, Elevator Liability, Owners or Contractors (including railroad) Protective Liability, Manufacturers and Contractors Liability, Product Liability, Professional and Malpractice Liability, Storekeepers Liability, Garage Liability, Automobile Liability (including Massachusetts Motor Vehicle or Garage Liability), not being insurances of the classifications to which the Nuclear Incident Exclusion Clause-Liability-Direct (Limited) applies.

    This policy* does not apply:-

    I.      Under any Liability Coverage, to injury, sickness, disease, death or destruction
      (a)      with respect to which an insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters or Nuclear Insurance Association of Canada, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or
      (b)      resulting from the hazardous properties of nuclear material and with respect to which (1) any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or (2) the insured is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization.
    II.      Under any Medical Payments Coverage, or under any Supplementary Payments
      Provision      relating to immediate medical or surgical relief, to expenses incurred with
      respect      of bodily injury, sickness, disease or death resulting from the hazardous
      properties      of nuclear material and arising out of the operation of a nuclear facility by any
      person      or organization.
    III.      Under any Liability Coverage, to injury, sickness, disease, death or destruction resulting
      from      the hazardous properties of nuclear material, if
      (a)      the nuclear material (1) is at any nuclear facility owned by, or operated by or on behalf of, an insured or (2) has been discharged or dispersed therefrom;
      (b)      the nuclear material is contained in spent fuel or waste at any time possessed, handled, used, processed, stored, transported or disposed of by or on behalf of an
     

      insured; or
      (c)      the injury, sickness, disease, death or destruction arises out of the furnishing by an insured of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any nuclear facility, but if such facility is located within the United States of America, its territories or possessions or Canada, this exclusion (c) applies only to injury to or destruction of property at such nuclear facility.
    IV.      As used in this endorsement:
      “hazardous      properties” include radioactive, toxic or explosive properties; “nuclear
      material”      means source material, special nuclear material or byproduct material;
      “source      material”, “special nuclear material”, and "byproduct material" have the
      meanings      given them in the Atomic Energy Act 1954 or in any law amendatory thereof;
      “spent      fuel” means any fuel element or fuel component, solid or liquid, which has been
      used      or exposed to radiation in a nuclear reactor; “waste” means any waste material (1)
      containing      byproduct material and (2) resulting from the operation by any person or
      organization      of any nuclear facility included within the definition of nuclear facility
      under      paragraph (a) or (b) thereof; “nuclear facility” means
      (a)      any nuclear reactor,
      (b)      any equipment or device designed or used for (1) separating the isotopes of uranium or plutonium, (2) processing or utilizing spent fuel, or (3) handling, processing or packaging waste,
      (c)      any equipment or device used for the processing, fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235,
      (d)      any structure, basin, excavation, premises or place prepared or used for the storage or disposal of waste, and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations; “nuclear reactor” means any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material. With respect to injury to or destruction of property, the word “injury” or “destruction” includes all forms of radioactive contamination of property.

    It is understood and agreed that, except as specifically provided in the foregoing to the contrary, this clause is subject to the terms, exclusions, conditions and limitations of the Policy to which it is attached.

    *NOTE:- As respects policies which afford liability coverages and other forms of coverage in addition, the words underlined should be amended to designate the liability coverage to which this clause is to apply.

    17/3/60

    N.      M.A. 1256
     

    ENDORSEMENT No 6

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No. B080113011P10

    U.S.A.

    RADIOACTIVE CONTAMINATION EXCLUSION CLAUSE

    -LIABILITY-DIRECT

    (Approved by Lloyd's Underwriters' Non-Marine Association)

    For attachment (in addition to the appropriate Nuclear Incident Exclusion Clause - Liability -Direct) to liability insurances affording worldwide coverage.

    In relation to liability arising outside the U.S.A., its Territories or Possessions, Puerto Rico or the Canal Zone, this Policy does not cover any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

    13/2/64
    N.M.A. 1477

    All other terms, conditions and limitations of this Policy shall remain unchanged.

     

    ENDORSEMENT No 7

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No. B080113011P10

    SERVICE OF SUIT CLAUSE (U.S.A.)

    It is agreed that in the event of the failure of the Underwriters hereon to pay any amount claimed to be due hereunder, the Underwriters hereon, at the request of the Assured (or Reinsured), will submit to the jurisdiction of a Court of competent jurisdiction within the United States. Nothing in this Clause constitutes or should be understood to constitute a waiver of Underwriters’ rights to commence an action in any Court of competent jurisdiction in the United States, to remove an action to a United States District Court, or to seek a transfer of a case to another Court as permitted by the laws of the United States or of any State in the United States. It is further agreed that service of process in such suit may be made upon Mendes & Mount LLP, 750 Seventh Avenue, New York New York 10019-6829, United States of America and that in any suit instituted against any one of them upon this contract, Underwriters will abide by the final decision of such Court or of any Appellate Court in the event of an appeal.

    The above-named are authorized and directed to accept service of process on behalf of Underwriters in any such suit and/or upon the request of the Assured (or Reinsured) to give a written undertaking to the Assured (or Reinsured) that they will enter a general appearance upon Underwriters’ behalf in the event such a suit shall be instituted.

    Further, pursuant to any statute of any state, territory or district of the United States which makes provision therefor, Underwriters hereon hereby designate the Superintendent, Commissioner or Director of Insurance or other officer specified for that purpose in the statute, or his successor or successors in office, as their true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the Assured (or Reinsured) or any beneficiary hereunder arising out of this contract of insurance (or reinsurance), and hereby designate the above-named as the person to whom the said officer is authorized to mail such process or a true copy thereof.

    N.M.A. 1998 (24/4/86)

    All other terms, conditions and limitations of this Policy shall remain unchanged.

     

    ENDORSEMENT No 8

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No.B080113011P10

    The language used for Contract interpretation shall be English as set out in the contract Wording.

    All other terms, conditions and limitations of this Policy shall remain unchanged.

     

    ENDORSEMENT No 9

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No.B080113011P10

    Where any date on which the Premium is due to be paid falls on a weekend or Public Holiday, presentation to Insurers or their agents on the next working day will be deemed to comply with the relevant premium payment requirement. For the purposes of this clause, Public Holiday shall mean any public or statutory holiday in any territory through which the Premium must pass between the Insured and Insurers or their agents.

    All other terms, conditions and limitations of this Policy shall remain unchanged.

     

    ENDORSEMENT No 10

    This Endorsement, effective at 00.01 on 1 July 2010 forms part of Policy No.B080113011P10

    This contract is subject to US State Surplus Lines requirements. It is the responsibility of the Surplus Lines Broker to affix a Surplus Lines Notice to the contract document before it is provided to the insured. In the event that the Surplus Lines Notice is not affixed to the contract document the insured should contact the Surplus Lines broker.

    All other terms, conditions and limitations of this Policy shall remain unchanged.

     

    (RE)INSURERS LIABILITY CLAUSE

    (Re)insurer’s liability several not joint

    The liability of a (re)insurer under this contract is several and not joint with other (re)insurers party to this contract. A (re)insurer is liable only for the proportion of liability it has underwritten. A (re)insurer is not jointly liable for the proportion of liability underwritten by any other (re)insurer. Nor is a (re)insurer otherwise responsible for any liability of any other (re)insurer that may underwrite this contract.

    The proportion of liability under this contract underwritten by a (re)insurer (or, in the case of a Lloyd’s syndicate, the total of the proportions underwritten by all the members of the syndicate taken together) is shown next to its stamp. This is subject always to the provision concerning “signing” below.

    In the case of a Lloyd’s syndicate, each member of the syndicate (rather than the syndicate itself) is a (re)insurer. Each member has underwritten a proportion of the total shown for the syndicate (that total itself being the total of the proportions underwritten by all the members of the syndicate taken together). The liability of each member of the syndicate is several and not joint with other members. A member is liable only for that member’s proportion. A member is not jointly liable for any other member’s proportion. Nor is any member otherwise responsible for any liability of any other (re)insurer that may underwrite this contract. The business address of each member is Lloyd’s, One Lime Street, London EC3M 7HA. The identity of each member of a Lloyd’s syndicate and their respective proportion may be obtained by writing to Market Services, Lloyd’s, at the above address.

    Proportion of liability

    Unless there is “signing” (see below), the proportion of liability under this contract underwritten by each (re)insurer (or, in the case of a Lloyd’s syndicate, the total of the proportions underwritten by all the members of the syndicate taken together) is shown next to its stamp and is referred to as its “written line”.

    Where this contract permits, written lines, or certain written lines, may be adjusted (“signed”). In that case a schedule is to be appended to this contract to show the definitive proportion of liability under this contract underwritten by each (re)insurer (or, in the case of a Lloyd’s syndicate, the total of the proportions underwritten by all the members of the syndicate taken together). A definitive proportion (or, in the case of a Lloyd’s syndicate, the total of the proportions underwritten by all the members of a Lloyd’s syndicate taken together) is referred to as a “signed line”. The signed lines shown in the schedule will prevail over the written lines unless a proven error in calculation has occurred.

    Although reference is made at various points in this clause to “this contract” in the singular, where the circumstances so require this should be read as a reference to contracts in the plural.

    21/6/07
    LMA3333

     


    BUREAU REFERENCE 61238 08/07/2010 BROKER NUMBER 0801  
    PROPORTION % SYNDICATE UNDERWRITER'S REFERENCE  
    25.000------------------------- 2488------------------------- AKFH6ALL5004  
    7.500------------------------- 1274------------------------- 300564000010  
    20.625------------------------- 2003------------------------- BX2000259133  
    12.500------------------------- 4000------------------------- 00803 H10AA
    10.000------------------------- 1183------------------------- CFW109081A10  
    9.375------------------------- 1886------------------------- 10BA210365NA  
    15.000------------------------- 382------------------------- FBAHEA0244GX  
    TOTAL LINE No. OF SYNDICATES    
    100.000 7    

     

    THE LIST OF UNDERWRITING MEMBERS
    OF LLOYD'S IS IN RESPECT OF 2010
    YEAR OF ACCOUNT
    BUREAU USE ONLY   Page 1 of 1
    USL1 72 13216 RISK CODE: BB  

     

     


    BUREAU REFERENCE 61239 08/07/2010 BROKER NUMBER 0801  
    PROPORTION % SYNDICATE UNDERWRITER'S REFERENCE  
    25.000------------------------- 2488------------------------- AKFT6ALL5004  
    7.500------------------------- 1274------------------------- 300564000010  
    20.625------------------------- 2003------------------------- BX8000259134  
    12.500------------------------- 4000------------------------- 00803 H10AB
    10.000------------------------- 1183------------------------- CFW109081A10  
    9.375------------------------- 1886------------------------- 10BA210365NB  
    15.000------------------------- 382------------------------- TRIAEA0012GX  
    TOTAL LINE No. OF SYNDICATES    
    100.000 7    

     

    THE LIST OF UNDERWRITING MEMBERS
    OF LLOYD'S IS IN RESPECT OF 2010
    YEAR OF ACCOUNT
    BUREAU USE ONLY   Page 1 of 1
    USL1 72 13216 RISK CODE: 7T  

     

     

    One Lime Street London EC3M 7HA

     
         EX-8 8 xl10po70x150eqbondpolicy2010.htm xl10po70x150eqbondpolicy2010.htm - Generated by SEC Publisher for SEC Filing

    March 1, 2011

    David Goldstein
    Willis HRH
    Three Copley Place
    Suite 300
    Boston, MA 02116

    Re: Fidelity Equity and High Income Funds
    Excess Policy

    Dear David,

    Enclosed, please find the policy for Fidelity Equity and High Income Funds. Thank you for choosing XL

    Insurance. Please call if you have any questions or concerns.

    Sincerely,

    Brian Jones

    rf

     


    THIS IS A CLAIMS MADE POLICY. EXCEPT AS OTHERWISE PROVIDED HEREIN, THIS POLICY ONLY APPLIES TO CLAIMS FIRST MADE DURING THE POLICY PERIOD. THE LIMIT OF LIABILITY AVAILABLE TO PAY DAMAGES OR

    SETTLEMENTS SHALL BE REDUCED AND MAY BE EXHAUSTED BY THE PAYMENT OF DEFENSE EXPENSES. THIS POLICY DOES NOT PROVIDE FOR ANY DUTY BY THE INSURER TO DEFEND ANY INSURED. PLEASE READ AND REVIEW THE POLICY CAREFULLY.

    Item 1. Name and Mailing Address of Insured Entity:

    Fidelity Equity and High Income Funds
    82 Devonshire Street, F3D
    Boston, MA 02109

    Item 2. Policy Period: From: July 01, 2010 To: July 01, 2011
        At 12:01 A.M. Standard Time at your Mailing Address Shown Above
    Item 3. Limit of Liability:      
    $70,000,000 Aggregate each Policy Period (including Defense Expenses)

     

    Item 4. Schedule of Underlying Insurance:

    (a)      Primary Policy
    (b)      Underlying Excess Policy

    Insurer

    National Union Fire Insurance Company of Pittsburgh, PA Westchester Fire Insurance Company Everest National Insurance Company ICI Mutual Insurance Company Endurance Specialty Insurance Ltd.

    St. Paul Mercury Insurance Company Continental Casualty Company Axis Insurance Company Starr Indemnity and Liability Company London / Lloyd’s Syndicates National Casualty Company Twin City Fire Insurance Company Houston Casualty Company Chartis Excess Limited

    Policy No     Limit of Liability
     
    01-986-29-38   $ 15,000,000
     
    DOX G21661612 005   $ 10,000,000
    FL5FD00012-101   $ 10,000,000
    87153310 B $ 15,000,000
    P006738005   $ 15,000,000
    469PB0983   $ 10,000,000
    287042220   $ 10,000,000
    MBN 727586/01/2010     $5,000,000 part of
        $ 15,000,000
    SISIXFL210525310     $10,000,000 part of
        $ 15,000,000
    B080113016 P10   $6,000,000 part of
        $ 50,000,000
    XMO 1000023     $10,000,000 part of
        $ 50,000,000
    FI 0252161-10     $10,000,000 part of
        $ 50,000,000
    24-MG-10-A10265     $8,000 000 part of
        $ 50,000,000
    33089944     $6,000,000 part of
        $ 50,000,000

     

    EX 70 00 11 01

    Page 1 of 2

     

        EXCESS POLICY DECLARATIONS
     
        Federal Insurance   $5,000,000 part of
            82047565
        Company $ 50,000,000
        Caitlin Specialty   $5,000,000 part of
          XSP -92187-0710
        Insurance Company $ 50,000,000
     
    Item 5. Notices required to be given to the Insurer must be addressed to:
     
      Executive Liability Underwriters    
      One Constitution Plaza, 16th Floor    
      Hartford, CT 06103    
      Toll Free Telephone: 877-953-2636    
     
    Item 6. Premium:      
     
      Taxes, Surcharges or Fees: $ 0.00
      Total Policy Premium: $ 49,909.00
     
    Item 7. Policy Forms and Endorsements Attached at Issuance:
     
      EX 71 01 09 99 EX 82 01 07 07 XL 80 24 03 03   EX 80 107 10 03 EX 80 75 09 02
     
     
     
    Countersigned: By:    
        Date   Authorized Representative

     

    THESE DECLARATIONS AND THE POLICY, WITH THE ENDORSEMENTS, ATTACHMENTS, AND THE APPLICATION SHALL

    CONSTITUTE THE ENTIRE AGREEMENT BETWEEN THE INSURER AND THE INSURED RELATING TO THIS INSURANCE.

    In Witness Whereof, the Insurer has caused this Policy to be executed by its authorized officers, but this Policy will not be valid unless countersigned on the Declarations page, if required by law, by a duly authorized representative of the Insurer.

    Nicholas M. Brown, Jr.   Theresa M. Morgan
    President   Secretary
    Greenwich Insurance Company

     

    Nicholas M. Brown, Jr. President

    Theresa M. Morgan Secretary

     

    XL      Specialty Insurance Company

    EX 70 00 11 01

    Page 2 of 2

     

    POLICYHOLDER DISCLOSURE

    NOTICE OF TERRORISM

    INSURANCE COVERAGE

    Coverage for acts of terrorism is already included in your current policy. You are hereby notified that under the Terrorism Risk Insurance Program Reauthorization Extension Act of 2007, the definition of “act of terrorism” has changed. As defined in Section 102(1) of the Act: The term “act of terrorism” means any act that is certified by the Secretary of the Treasury in concurrence with the Secretary of the State, and the Attorney General of the United States—to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property, or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. Under your existing coverage, any losses caused by certified acts of terrorism may be partially reimbursed by the United States under a formula established by federal law. Under this formula, the United States generally reimburses 85% of covered terrorism losses exceeding the statutorily established deductible paid by the insurance company providing the coverage. However, your policy may contain other exclusions that may affect your coverage. The Terrorism Risk Insurance Program Reauthorization Extension Act contains a $100 billion cap that limits U.S. Government reimbursement as well as insurers’ liability for losses resulting from certified acts of terrorism when the amount of such losses exceeds $100 billion in any one calendar year. If the aggregate insured losses for all insurers exceed $100 billion, your coverage may be reduced.

    The portion of your annual premium that is attributable to coverage for acts of terrorism is: $ waived. Any premium waiver is only valid for the current Policy Period.

    I ACKNOWLEDGE THAT I HAVE BEEN NOTIFIED THAT UNDER THE TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION EXTENSION ACT OF 2007, ANY LOSSES CAUSED BY CERTIFIED ACTS OF TERRORISM UNDER MY POLICY COVERAGE WILL BE PARTIALLY REIMBURSED BY THE UNITED STATES AND I HAVE BEEN NOTIFIED OF THE AMOUNT OF MY PREMIUM ATTRIBUTABLE TO SUCH COVERAGE.

    Name of Insurer: XL Specialty Insurance Company

    Policy Number: ELU117553-10

    ____________________________
    Signature of Insured

    ____________________________
    Print Name and Title

    ____________________________
    Date

     

    IN WITNESS

    XL SPECIALTY INSURANCE COMPANY

    REGULATORY OFFICE

    505 EAGLEVIEW BOULEVARD, SUITE 100

    DEPARTMENT: REGULATORY
    EXTON, PA 19341-0636
    PHONE: 800-688-1840

     

    It is hereby agreed and understood that the following In Witness Clause supercedes any and all other In Witness clauses in this policy.

    All other provisions remain unchanged.

    IN WITNESS WHEREOF, the Insurer has caused this policy to be executed and attested, and, if required by state law, this policy shall not be valid unless countersigned by a duly authorized representative of the Insurer.


    Bernard R. Horovitz President

    Toni Ann Perkins Secretary

     

    LAD 400 XLS 0710

    • 2010 X.L. America, Inc. All Rights Reserved. May not be copied without permission.
     

    NOTICE TO POLICYHOLDERS

    U.S. TREASURY DEPARTMENT’S OFFICE OF FOREIGN ASSETS CONTROL

    (“OFAC”)

    No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided.

    This Policyholder Notice provides information concerning possible impact on your insurance coverage due to directives issued by OFAC and possibly the U.S. Department of State. Please read this Policyholder Notice carefully.

    OFAC administers and enforces sanctions policy based on Presidential declarations of "national emergency". OFAC has identified and listed numerous

    • Foreign agents
    • Front organizations
    • Terrorists
    • Terrorist organizations
    • Narcotics traffickers

    as Specially Designated Nationals and Blocked Persons. This list can be found on the U.S. Department of the Treasury’s web site - http//www.treas.gov/ofac.

    The Secretary of the Treasury also has identified a number of entities in the insurance, petroleum, and petrochemicals industries determined to be owned or controlled by the Iranian government. Business transactions with any of these entities are expressly prohibited. These entities have been added to OFAC’s list of Financial Institutions Determined To Be Owned or Controlled by the Government of Iran. This list can be found on the U.S. Department of the Treasury’s web site -http://www.treas.gov/offices/enforcement/lists/

    In accordance with OFAC regulations, or any applicable regulation promulgated by the U.S. Department of State, if it is determined that you or any other insured, or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and Blocked Person, as identified by OFAC, this insurance will be considered a blocked or frozen contract and all provisions of this insurance will be immediately subject to OFAC. When an insurance policy is considered to be such a blocked or frozen contract, neither payments nor premium refunds may be made without authorization from OFAC. Other limitations on the premiums and payments also apply.

    PN CW 05 1010

    Includes copyrighted material of Insurance Services Office, Inc., with its permission.

    ©2010 X.L. America, Inc. All rights reserved. May not be copied without permission.

     

    PRIVACY POLICY

    The XL America, Inc. insurance group (“We” or “Our Group”), respects the privacy of all personal information. Thus, the information We collect from our customers, or potential customers, is treated with the highest degree of privacy.

    We have developed a Privacy Policy for Our Group that:

    1)      ensures the security of your information; and
    2)      complies with state and federal privacy laws.

    The term “personal information” includes all information we obtain about a customer and maintain in our files. All persons with access to personal information are required to follow this policy.

    Our Privacy Promise

    Your privacy rights are important to us. Analysis of your private information allows us to provide to you excellent service and products. Your trust in us depends upon the security and integrity of our records. Thus, We promise to:

    1)      Follow strict security standards. This will protect any information you share with us, or that we receive about
      you.     
    2)      Verify and exchange data regarding your credit and financial status only for the purposes of: underwriting;
      policy      administration; or risk management. We will obtain only reputable references and services.
    3)      Collect and use the least amount of information necessary to:
      a.      advise you and deliver excellent service and products; and
      b.      conduct our business.
    4)      Train our employees to securely handle private information. We will only permit authorized employees to
      have      access to such information.
    5)      Not disclose data about you or your business to any organization outside Our Group or to third party
      providers      unless:
      a.      we disclose to you our intent to do so; or
      b.      we are required to do so by law.
    6)      Not disclose medical information unless:
      a.      you give us written consent to do so; or
      b.      We disclose for any exception provided in the law.
    7)      Attempt to keep our records complete and exact.
    8)      Advise you how and where to access your account (unless prohibited by law).
    9)      Advise you how to correct errors or make changes to your account.
    10)      Inspect our procedures to ensure your privacy.

    Collection and Sources of Information

    We collect only the personal information needed to:

    1)      determine suitability for a product or service;
    2)      manage the product or service; and
    3)      advise customers about our products and services.

    The information we collect comes from the following sources:

  		•  Submission – In the application, you provide: your name; address; phone number; e-mail address; and
      other      types of private information.
  		• Quotes – We collect information to determine:
      1)      your eligibility for an insurance product; and
      2)      your coverage cost.
  		• data we collect will vary with the type of insurance you seek.
  		• Transactions – We maintain records of all transactions with Our Group and our third party providers.
      Our      records include:
     

      1)      your coverage choices;
      2)      premiums; billing; and payment records,
      3)      claims history; and
      4)      other data related to your account.
  		• Claims – We maintain records on any claims that are made under your policies. The investigation of a
      claim      involves collection of a broad range of information. It also involves many issues, some of which do
      not      directly involve you. We will share with you facts that we collect about your claim; unless prohibited
      by      law. The process of claim investigation also involves advice; opinions; and comments from many
      people.      These may include attorneys and experts. This will help us determine how best to handle your
      claim.      To protect the legal and privileged aspects of opinions and advice, we will not disclose this
      information      to you.
  		• Credit and Financial Reports – We may receive your credit history. This is to support information you
      provided      during the submission and quote processes. This history will help to underwrite your coverage.

    Retention and Correction of Personal Information

    We retain personal information only as long as required by law; or as required by our business methods. If we become aware that any information may be incorrect, we will make reasonable effort to correct it.

    Storage of Personal Information

    Safeguards are in place to protect data and paper files containing personal information.

    Sharing/Disclosing of Personal Information

    We do not share personal information with a third party outside of Our Group for marketing purposes. This is true unless such sharing is permitted by law. Information may be shared with a third party for necessary servicing of the product. It may also be disclosed for other business reasons as permitted by law.

    We do not share personal data outside of Our Group for servicing or joint marketing reasons. We will only disclose such data when a contract containing non-disclosure language has been signed by us and the third party.

    Unless a consumer consents, we do not disclose “consumer credit report” type information outside of Our Group. “Consumer credit report type information” means such things as: net worth; credit worthiness; hobbies (piloting, boating, etc.); solvency, etc.

    We also do not disclose outside of Our Group personal information for use in marketing. We may share information within Our Group regarding our experience and dealings with the customer.

    We may disclose private information about a customer as allowed or otherwise required by law. The law allows us to share a customer’s financial data within Our Group for marketing purposes. The law does not allow customers to limit or prevent such disclosures.

    We may also disclose personal information about you or your business to:

    • your independent agent or broker;
    • an independent claim adjuster; investigator; attorney; or expert;
    • persons or groups that conduct scientific studies. This includes actuaries and accountants;
    • a medical care facility or professional to verify coverage for a covered person;
    • an insurance support group;
    • another insurer if to prevent fraud;
    • another insurer to properly underwrite a risk;
    • insurance regulators;
    • governmental authorities pursuant to law;
    • an authority in response to a valid administrative or judicial order. This includes a warrant or subpoena;
    • a party for the following purposes regarding a book of business: sale; transfer; merger; or consolidation. This applies whether the transaction is proposed or complete;
     

    • a professional peer review group. This includes reviewing the service or conduct of medical care facilities or personnel;
    • a covered person for providing the status of a transaction; or
    • any of the following: a lienholder; mortgagee; assignee; lessor; or other person of record having a legal interest in the policy.

    Policy for Personal Information Relating to Nonpublic Personal Health Information

    We do not disclose nonpublic personal health information about a customer; unless consent is obtained from that customer. However, such consent shall not be prohibited, limited or sought for certain insurance functions. This includes, but is not limited to:

    a.      claims administration;
    b.      fraud prevention;
    c.      underwriting; policy placement or issuance; loss control or auditing.

    Access to Your Information

    The following persons will have access to personal information we collect: employees of Our Group and third party service providers. Information will only be collected as is needed in transactions with you.

    Violation of the Privacy Policy

    Any person violating this Policy will be subject to discipline. This may include termination.

    For questions regarding this privacy statement, please contact your broker.

     

    NOTICE TO POLICYHOLDERS

    IMPORTANT INFORMATION

    (Massachusetts)

    In the event of a complaint, please contact us at:

    XL Professional
    100 Constitution Plaza, 17th Floor
    Hartford CT 06103
    Phone: 860-246-1863
    FAX 860-246-1899

    If you have been unable to contact or obtain satisfaction from the Insurer, you may contact the Massachusetts Division of Insurance to obtain information or make a complaint at:

    Commonwealth of Massachusetts
    Division of Insurance
    One South Station, 5th Floor
    Boston, MA 02110-2208

    Page 1 of 1

     

    NOTICE TO POLICYHOLDERS

    FRAUD NOTICE
     
     

    Arkansas

    Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
     

    Colorado

    It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claiming with regard to a settlement or award payable for insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.
     

    District of Columbia

    WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.
     

    Florida

    Any person who knowingly and with intent to injure, defraud, or deceive any insurance company files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.
     

    Hawaii

    For your protection, Hawaii law requires you to be informed that presenting a fraudulent claim for payment of a loss or benefit is a crime punishable by fines or imprisonment, or both.
     

    Kentucky

    Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.
     

    Louisiana

    Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
     

    Maine

    It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines, or denial of insurance benefits.
     

    Maryland

    Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly and willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

     

    PN CW 01 0210 Page 1
      © 2009 X.L. America, Inc. All Rights Reserved.
      May not be copied without permission.

     

     

     

    NOTICE TO POLICYHOLDERS
     
     
     

    New Jersey

    Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.
     

    New Mexico

    Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties.
     

    New York

    All Commercial Insurance Forms, Except As Provided for Automobile Insurance: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

    Automobile Insurance Forms: Any person who knowingly makes or knowingly assists, abets, solicits or conspires with another to make a false report of the theft, destruction, damage or conversion of any motor vehicle to a law enforcement agency, the department of motor vehicles or an insurance company, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the value of the subject motor vehicle or stated claim for each violation.

    Fire Insurance: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime. The proposed insured affirms that the foregoing information is true and agrees that these applications shall constitute a part of any policy issued whether attached or not and that any willful concealment or misrepresentation of a material fact or circumstances shall be grounds to rescind the insurance policy.
     

    Ohio

    Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.
     

    Oklahoma

    WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.
     

    Pennsylvania

    Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

    Automobile Insurance Forms: Any person who knowingly and with intent to injure or defraud any insurer files an application or claim containing any false, incomplete or misleading information shall, upon conviction, be subject to imprisonment for up to seven years and the payment of a fine of up to $15,000.
     
     
     

    PN CW 01 0210

    Page 2

    © 2009 X.L. America, Inc. All Rights Reserved. May not be copied without permission.

     

     

    NOTICE TO POLICYHOLDERS

    Puerto Rico

    Any person who knowingly and with the intention to defraud includes false information in an application for insurance or file, assist or abet in the filing of a fraudulent claim to obtain payment of a loss or other benefit, or files more than one claim for the same loss or damage, commits a felony and if found guilty shall be punished for each violation with a fine of no less than five thousands dollars ($5,000), not to exceed ten thousands dollars ($10,000); or imprisoned for a fixed term of three (3) years, or both. If aggravating circumstances exist, the fixed jail term may be increased to a maximum of five (5) years; and if mitigating circumstances are present, the jail term may be reduced to a minimum of two (2) years.
     

    Rhode Island

    Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefitor knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
     

    Tennessee

    It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

    Workers Compensation: It is a crime to knowingly provide false, incomplete or misleading information to any party to a workers compensation transaction for the purpose of committing fraud. Penalties include imprisonment, fines and denial of insurance benefits.
     

    Utah

    Workers Compensation: Any person who knowingly presents false or fraudulent underwriting information, files or causes to be filed a false or fraudulent claim for disability compensation or medical benefits, or submits a false or fraudulent report or billing for health care fees or other professional services is guilty of a crime and may be subject to fines and confinement in state prison.
     

    Virginia

    It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.
     

    Washington

    It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.
     

    West Virginia

    Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
     

    All Other States

    Any person who knowingly and willfully presents false information in an application for insurance may be guilty of insurance fraud and subject to fines and confinement in prison.

     

    PN CW 01 0210 Page 3
      © 2009 X.L. America, Inc. All Rights Reserved.
      May not be copied without permission.

     

     

    Endorsement No.: 1

    Named Insured: Fidelity Equity and High Income Funds Policy No.: ELU117553-10

    EX 82 01 07 07
    Effective: July 01, 2010
    12:01 A.M. Standard Time
    Insurer: XL Specialty Insurance Company

    CHANGE OF INSURER ADDRESS AND PREAMBLE

    ENDORSEMENT

    (1)      The Declarations of the Policy are amended as follows:

    Notices required to be given to the Insurer must be addressed to:

      Notice to Claim Dept: All other Notices:
      XL Professional XL Professional
      One Hundred Constitution Plaza, 18th Floor One Hundred Constitution Plaza, 17th Floor
      Hartford, CT 06103 Hartford, CT 06103
      Attn: Claim Dept. Attn: Underwriting

     

      All references in the policy to other addresses for Notice to the Insurer shall be deemed amended.
    (2)      The preamble to this Policy is amended to read in its entirety as follows:
      In consideration of the payment of the premium, and in reliance on all statements made and information furnished to the Insurer identified in the Declarations (hereinafter the Insurer) and to the issuer(s) of the Underlying Insurance, and subject to all of the terms, conditions and endorsements of this Policy, the Insurer and the Insured Entity, on its own behalf and on behalf of all persons and entity(s) entitled to coverage hereunder, agree as follows:

    All other terms, conditions and limitations of this Policy shall remain unchanged.

    EX 82 01 07 07

    Page 1 of 1

     

    Endorsement No.: 2

    Named Insured: Fidelity Equity and High Income Funds Policy No.: ELU117553-10

    XL 80 24 03 03
    Effective: July 01, 2010
    12:01 A.M. Standard Time
    Insurer: XL Specialty Insurance Company

    TERRORISM PREMIUM ENDORSEMENT

    Please note: The portion of your annual premium set forth in Item 6. of the Declarations that is attributable to coverage for acts of terrorism is: $ waived.

    All other terms, conditions and limitations of this Policy shall remain unchanged.

    XL 80 24 03 03

    Page 1 of 1

     

    Endorsement No.: 3

    Named Insured: Fidelity Equity and High Income Funds Policy No.: ELU117553-10

    EX 80 107 10 03
    Effective: July 01, 2010
    12:01 A.M. Standard Time
    Insurer: XL Specialty Insurance Company

    EXCESS TERRORISM ENDORSEMENT

    In consideration of the premium charged, it is understood and agreed that any endorsement of the Underlying Insurance which specifically precludes coverage for an “insured loss” resulting from an “act of terrorism” (as such terms are defined in the Terrorism Risk Insurance Act of 2002) which would otherwise be provided coverage under the Underlying Insurance shall be inapplicable to this Policy (any such endorsement, a “Terrorism Endorsement”). Subject to all other terms, conditions and limitations of the Policy and the Underlying Insurance, other than the Terrorism Endorsement, coverage for acts of terrorism is included in this Policy. In any event, coverage hereunder will attach only after all of the Underlying Insurance has been exhausted by the actual payment of loss by the applicable insurers thereunder, regardless of whether any such Terrorism Endorsement is included in any Underlying Insurance. The Insurer will not be liable under this Policy to any earlier degree than the Insurer would have had this Endorsement not been a part of this Policy.

    All other terms, conditions and limitations of this Policy shall remain unchanged.

    EX 80 107 10 03

    Page 1 of 1

     

    Endorsement No.: 4

    Named Insured: Fidelity Equity and High Income Funds Policy No.: ELU117553-10

    EX 80 75 09 02
    Effective: July 01, 2010
    12:01 A.M. Standard Time
    Insurer: XL Specialty Insurance Company

    EXCESS ENDORSEMENT

    In consideration of the premium charged:

    (1)      It is understood and agreed that the Limit of Liability for this Policy as set forth in Item 3 of the Declarations is the maximum amount payable, including Defense Expenses, by the Insurer under this Policy. Any provision of the Underlying Insurance indicating any ability or right to any reinstatement of such policy's limit of liability shall be inapplicable to this Policy, including any provision indicating a reinstatement of such policy's limit of liability during any extended discovery or reporting period. The Insurer shall not be liable to the Insureds or any other person or entity claiming through or in the name or right of the Insureds for any loss or other liability based upon, arising out of, directly or indirectly resulting from, in consequence of, or in any way involving the application or enforcement of any such provision of the Underlying Insurance.
    (2)      It is understood and agreed that the Insurer is under no obligation to renew this Policy upon its expiration. Any provision of the Underlying Insurance indicating any automatic renewal of this Policy shall be inapplicable to this Policy. The Insurer shall not be liable to the Insureds or any other person or entity claiming through or in the name or right of the Insureds for any loss or other liability based upon, arising out of, directly or indirectly resulting from, in consequence of, or in any way involving the application or enforcement of any such provision of the Underlying Insurance.

    All other terms, conditions and limitations of this Policy shall remain unchanged.

    EX 80 75 09 02

    Page 1 of 1

     

    EXCESS POLICY COVERAGE FORM
    EX 71 01 09 99

    EXCESS POLICY COVERAGE FORM

    THIS IS A CLAIMS MADE POLICY. EXCEPT AS OTHERWISE PROVIDED HEREIN, THIS POLICY ONLY APPLIES TO CLAIMS FIRST MADE DURING THE POLICY PERIOD. THE LIMIT OF LIABILITY AVAILABLE TO PAY DAMAGES OR SETTLEMENTS SHALL BE REDUCED AND MAY BE EXHAUSTED BY THE PAYMENT OF DEFENSE EXPENSES. THIS POLICY DOES NOT PROVIDE FOR ANY DUTY BY THE INSURER TO DEFEND ANY INSURED. PLEASE READ AND REVIEW THE POLICY CAREFULLY.

    In consideration of the payment of the premium, and in reliance on all statements made and information furnished to Executive Liability Underwriters, the Underwriting Manager for the Insurer identified in the Declarations (hereinafter the Insurer) and to the issuer(s) of the Underlying Insurance, and subject to all of the terms, conditions and endorsements of this Policy, the Insurer and the Insured Entity, on its own behalf and on behalf of all persons and entity(s) entitled to coverage hereunder, agree as follows:

    I. INSURING AGREEMENT

    The Insurer will provide the Insured with insurance coverage for claims first made against the Insured during the Policy Period excess of the Underlying Insurance stated in ITEM 4 of the Declarations. Coverage hereunder will apply in conformance with the terms, conditions, endorsements and warranties of the Primary Policy together with the terms, conditions, endorsements and warranties of any other Underlying Insurance. The coverage hereunder will attach only after all of the Underlying Insurance has been exhausted by the actual payment of loss by the applicable insurers thereunder and in no event will the coverage under this Policy be broader than the coverage under any

    Underlying Insurance.

    II.      DEFINITIONS
    (A)      “Insured” means, either in the singular or plural, those persons or organizations designated as insureds in the
      Underlying Insurance.
    (B)      “Policy Period” means the period designated in ITEM 2 of the Declarations, or to any earlier cancellation date.
    (C)      “Primary Policy” means the policy designated in ITEM 4 (A) of the Declarations.
    (D)      “Underlying Insurance” means all policy(s) designated in ITEM 4 of the Declarations.
    III.      DEPLETION OF UNDERLYING LIMITS OF LIABILITY
    (A)      This Policy, subject to the terms, conditions, limitations and endorsements of this Policy and the Underlying Insurance, will continue to apply to loss as excess insurance remaining under such Underlying Insurance, in the event of the reduction or exhaustion of the limits of liability of the Underlying Insurance solely as the result of the actual payment of loss by the applicable insurer thereunder.
    (B)      This Policy, subject to the terms, conditions, limitations and endorsements of this Policy and the Underlying Insurance, will continue for subsequent claims or loss as primary insurance in the event of the exhaustion of all of the limits of liability of such Underlying Insurance solely as the result of the actual payment of loss by the applicable insurer thereunder.
    (C)      Any risk of uncollectibility with respect to the Underlying Insurance will be expressly retained by the Insured and will not be assumed by the Insurer.

    EX 71 01 09 99

    Page 1 of 3

     

    EXCESS POLICY COVERAGE FORM
    EX 71 01 09 99

    This Policy, subject to all its terms, conditions and endorsements, will not drop down for any reason including, but not limited to uncollectibility (in whole or in part) whether because of financial impairment or insolvency of the Underlying Insurance or for any other reason except for the actual payment of loss by the applicable Insurer thereunder.

    IV.      MAINTENANCE OF UNDERLYING INSURANCE
    (A)      The limit(s) of liability of the Underlying Insurance designated in ITEM 4 of the Declarations shall be maintained during the Policy Period in full effect except for any reduction or exhaustion of the aggregate limits of liability available under the Underlying Insurance solely by reason of actual payment of loss thereunder.
      Failure to comply with the foregoing will not invalidate this Policy but the Insurer will not be liable to a greater extent than if this condition had been complied with. If for any reason the Underlying Insurance is not maintained, then the Insured will be deemed to be self-insured for that amount of the limit(s) of liability of such
      Underlying Insurance.
    (B)      In the event of a change of any kind to any Underlying Insurance by endorsement, rewrite or otherwise, the coverage under this Policy will become subject to such change only if and to the extent that the Insurer consents to such change by written endorsement to this Policy.
    (C)      The Insurer will not be liable under this Policy earlier or to any greater extent than it would have been as a result of the actual or alleged failure by the Insureds to give notice or to exercise any extensions under any Underlying Insurance, or misrepresentation or breach of warranty with respect to any Underlying Insurance.
    V.      CLAIM PARTICIPATION

    The Insurer may, at its sole discretion, elect to participate in the investigation, settlement and/or defense of any claim against the Insured even if the Underlying Insurance has not been exhausted and the Insured will provide such information and cooperation as is reasonably requested.

    VI. LIMIT OF LIABILITY

    The amount stated in ITEM 3 of the Declarations is the limit of liability of the Insurer and shall be the maximum amount payable, including Defense Expenses, by the Insurer under this Policy. Defense Expenses are part of and not in addition to the limit of liability and the payment of such will reduce the limit of liability.

    VII. NOTICE

    The Insured will, as a condition precedent to the coverage available under this Policy, give written notice as soon as practicable to the Insurer of:

    (A)      any claim under any Underlying Insurance, or any situation that is required to be reported under any
      Underlying Insurance that could give rise to a claim under any Underlying Insurance;
    (B)      the cancellation of any Underlying Insurance;
    (C)      any change to the Underlying Insurance by rewrite, endorsement or otherwise; or
    (D)      any additional or return premiums charged or allowed in connection with any Underlying Insurance.

    EX 71 01 09 99

    Page 2 of 3

     

    EXCESS POLICY COVERAGE FORM
    EX 71 01 09 99

    The Insured Entity will be the sole agent for and will act on behalf, of the Insured with respect to all matters under this Policy, including but not limited to giving and receiving notices and other communications, effecting or accepting any endorsements to or notice of cancellation of this Policy, paying premium and receipt of any return premiums.

    Notice given to any underlying insurer of any claim or any situation that could give rise to a claim under any Underlying Insurance scheduled in ITEM 4 of the Declarations will not be deemed notice to the Insurer. Notice of any claim or situation that could give rise to a claim must be sent by certified mail or the equivalent to the address set forth in ITEM 5 of the Declarations; Attention: Claim Department.

    VIII.      POLICY TERMINATION
    (A)      The Insured Entity may cancel this Policy by mailing to the Insurer written notice when such cancellation shall be effective, provided the date of cancellation is not later than the Expiration Date set forth in ITEM 2 of the Declarations.
    (B)      The Insurer will refund the unearned premium computed at the customary short rate if the Policy is canceled by the Insured Entity. Under all other circumstances, any unearned premium will be computed pro rata.
    (C)      This Policy will terminate immediately upon the termination of any of the policies scheduled in ITEM 4 of the Declarations, whether canceled by the Insured Entity or the applicable insurer. Notice of cancellation or non- renewal of any such policies duly given by any of the applicable insurers shall serve as notice of the cancellation or non-renewal of this Policy by the Insurer.
    IX.      ALTERATION

    No change in or modification of this Policy shall be effective unless made by endorsement signed by an authorized employee of the Insurer.

    EX 71 01 09 99

    Page 3 of 3

     
         EX-9 9 xl10po70x150fibondpolicy2010.htm xl10po70x150fibondpolicy2010.htm - Generated by SEC Publisher for SEC Filing

    March 1, 2011

    David Goldstein
    Willis HRH
    Three Copley Place
    Suite 300
    Boston, MA 02116

    Re: Fidelity Fixed Income and Asset Allocation Funds Excess Policy

    Dear David,

    Enclosed, please find the policy for Fidelity Fixed Income and Asset Allocation Funds. Thank you for choosing XL Insurance. Please call if you have any questions or concerns.

    Sincerely,

    Brian Jones

    rf

     


    THIS IS A CLAIMS MADE POLICY. EXCEPT AS OTHERWISE PROVIDED HEREIN, THIS POLICY ONLY APPLIES TO CLAIMS FIRST MADE DURING THE POLICY PERIOD. THE LIMIT OF LIABILITY AVAILABLE TO PAY DAMAGES OR

    SETTLEMENTS SHALL BE REDUCED AND MAY BE EXHAUSTED BY THE PAYMENT OF DEFENSE EXPENSES. THIS POLICY DOES NOT PROVIDE FOR ANY DUTY BY THE INSURER TO DEFEND ANY INSURED. PLEASE READ AND REVIEW THE POLICY CAREFULLY.

    Item 1. Name and Mailing Address of Insured Entity:

    Fidelity Fixed Income and Asset Allocation Funds
    82 Devonshire Street, F3D
    Boston, MA 02109

    Item 2.   Policy Period: From: July 01, 2010 To: July 01, 2011
            At 12:01 A.M. Standard Time at your Mailing Address Shown Above
     
    Item 3.   Limit of Liability:      
      $ 10,000,000        
        part of Aggregate each Policy Period (including Defense Expenses)
      $ 70,000,000        

     

    Item 4. Schedule of Underlying Insurance:

    (a)      Primary Policy
    (b)      Underlying Excess Policy

    Insurer

    National Union Fire Insurance Company of Pittsburgh, PA Westchester Fire Insurance Company Everest National Insurance Company ICI Mutual Insurance Company Endurance Specialty Insurance Ltd.

    St. Paul Mercury Insurance Company Continental Casualty Company Axis Insurance Company Starr Indemnity and Liability Company London / Lloyd’s Syndicates National Casualty Company Twin City Fire Insurance Company Houston Casualty Company

    Policy No     Limit of Liability
     
    01-986-29-38   $ 15,000,000
     
    DOX G21661612 005   $ 10,000,000
    FL5FD00012-101   $ 10,000,000
    87153310 B $ 15,000,000
    P006738005   $ 15,000,000
    469PB0983   $ 10,000,000
    287042220   $ 10,000,000
    MBN 727586/01/2010     $5,000,000 part of
        $ 15,000,000
    SISIXFL210525310     $10,000,000 part of
        $ 15,000,000
    B080113012 P10   $6,000,000 part of
        $ 50,000,000
    XMO 1000021     $10,000,000 part of
        $ 50,000,000
    FI 0252157-10     $10,000,000 part of
        $ 50,000,000
    24-MG-10-A10267     $8,000,000 part of
        $ 50,000,000

     

    EX 70 00 11 01

    Page 1 of 2

     

        EXCESS POLICY DECLARATIONS    
     
        Chartis Excess Limited 33089946   $6,000,000 part of
              $ 50,000,000
        Federal Insurance       $5,000,000 part of
            81906762    
        Company     $ 50,000,000
        Catlin Specialty       $5,000,000 part of
          XSP -92190-0710
        Insurance Company     $ 50,000,000
     
    Item 5. Notices required to be given to the Insurer must be addressed to:
     
      Executive Liability Underwriters        
      One Constitution Plaza, 16th Floor        
      Hartford, CT 06103        
      Toll Free Telephone: 877-953-2636        
     
    Item 6. Premium:          
     
      Taxes, Surcharges or Fees: $ 0.00    
      Total Policy Premium: $ 49,909.00    
     
    Item 7. Policy Forms and Endorsements Attached at Issuance:    
     
      EX 71 01 09 99 EX 82 01 07 07 XL 80 24 03 03   EX 80 107 10 03   EX 80 75 09 02
     
     
     
    Countersigned: By:        
        Date   Authorized Representative

     

    THESE DECLARATIONS AND THE POLICY, WITH THE ENDORSEMENTS, ATTACHMENTS, AND THE APPLICATION SHALL

    CONSTITUTE THE ENTIRE AGREEMENT BETWEEN THE INSURER AND THE INSURED RELATING TO THIS INSURANCE.

    In Witness Whereof, the Insurer has caused this Policy to be executed by its authorized officers, but this Policy will not be valid unless countersigned on the Declarations page, if required by law, by a duly authorized representative of the Insurer.

    Nicholas M. Brown, Jr.   Theresa M. Morgan
    President   Secretary
    Greenwich Insurance Company

     

    Nicholas M. Brown, Jr. President

    Theresa M. Morgan Secretary

     

    XL      Specialty Insurance Company

    EX 70 00 11 01

    Page 2 of 2

     

    POLICYHOLDER DISCLOSURE

    NOTICE OF TERRORISM

    INSURANCE COVERAGE

    Coverage for acts of terrorism is already included in your current policy. You are hereby notified that under the Terrorism Risk Insurance Program Reauthorization Extension Act of 2007, the definition of “act of terrorism” has changed. As defined in Section 102(1) of the Act: The term “act of terrorism” means any act that is certified by the Secretary of the Treasury in concurrence with the Secretary of the State, and the Attorney General of the United States—to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property, or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. Under your existing coverage, any losses caused by certified acts of terrorism may be partially reimbursed by the United States under a formula established by federal law. Under this formula, the United States generally reimburses 85% of covered terrorism losses exceeding the statutorily established deductible paid by the insurance company providing the coverage. However, your policy may contain other exclusions that may affect your coverage. The Terrorism Risk Insurance Program Reauthorization Extension Act contains a $100 billion cap that limits U.S. Government reimbursement as well as insurers’ liability for losses resulting from certified acts of terrorism when the amount of such losses exceeds $100 billion in any one calendar year. If the aggregate insured losses for all insurers exceed $100 billion, your coverage may be reduced.

    The portion of your annual premium that is attributable to coverage for acts of terrorism is: $ waived. Any premium waiver is only valid for the current Policy Period.

    I ACKNOWLEDGE THAT I HAVE BEEN NOTIFIED THAT UNDER THE TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION EXTENSION ACT OF 2007, ANY LOSSES CAUSED BY CERTIFIED ACTS OF TERRORISM UNDER MY POLICY COVERAGE WILL BE PARTIALLY REIMBURSED BY THE UNITED STATES AND I HAVE BEEN NOTIFIED OF THE AMOUNT OF MY PREMIUM ATTRIBUTABLE TO SUCH COVERAGE.

    Name of Insurer: XL Specialty Insurance Company

    Policy Number: ELU117552-10

    ____________________________
    Signature of Insured

    ____________________________
    Print Name and Title

    ____________________________
    Date

     

    IN WITNESS

    XL SPECIALTY INSURANCE COMPANY

    REGULATORY OFFICE

    505 EAGLEVIEW BOULEVARD, SUITE 100

    DEPARTMENT: REGULATORY
    EXTON, PA 19341-0636
    PHONE: 800-688-1840

     

    It is hereby agreed and understood that the following In Witness Clause supercedes any and all other In Witness clauses in this policy.

    All other provisions remain unchanged.

    IN WITNESS WHEREOF, the Insurer has caused this policy to be executed and attested, and, if required by state law, this policy shall not be valid unless countersigned by a duly authorized representative of the Insurer.


    Bernard R. Horovitz President

    Toni Ann Perkins Secretary

     

    LAD 400 XLS 0710

    • 2010 X.L. America, Inc. All Rights Reserved. May not be copied without permission.
     

    NOTICE TO POLICYHOLDERS

    U.S. TREASURY DEPARTMENT’S OFFICE OF FOREIGN ASSETS CONTROL

    (“OFAC”)

    No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided.

    This Policyholder Notice provides information concerning possible impact on your insurance coverage due to directives issued by OFAC and possibly the U.S. Department of State. Please read this Policyholder Notice carefully.

    OFAC administers and enforces sanctions policy based on Presidential declarations of "national emergency". OFAC has identified and listed numerous

    • Foreign agents
    • Front organizations
    • Terrorists
    • Terrorist organizations
    • Narcotics traffickers

    as Specially Designated Nationals and Blocked Persons. This list can be found on the U.S. Department of the Treasury’s web site - http//www.treas.gov/ofac.

    The Secretary of the Treasury also has identified a number of entities in the insurance, petroleum, and petrochemicals industries determined to be owned or controlled by the Iranian government. Business transactions with any of these entities are expressly prohibited. These entities have been added to OFAC’s list of Financial Institutions Determined To Be Owned or Controlled by the Government of Iran. This list can be found on the U.S. Department of the Treasury’s web site -http://www.treas.gov/offices/enforcement/lists/

    In accordance with OFAC regulations, or any applicable regulation promulgated by the U.S. Department of State, if it is determined that you or any other insured, or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and Blocked Person, as identified by OFAC, this insurance will be considered a blocked or frozen contract and all provisions of this insurance will be immediately subject to OFAC. When an insurance policy is considered to be such a blocked or frozen contract, neither payments nor premium refunds may be made without authorization from OFAC. Other limitations on the premiums and payments also apply.

    PN CW 05 1010

    Includes copyrighted material of Insurance Services Office, Inc., with its permission.

    ©2010 X.L. America, Inc. All rights reserved. May not be copied without permission.

     

    PRIVACY POLICY

    The XL America, Inc. insurance group (“We” or “Our Group”), respects the privacy of all personal information. Thus, the information We collect from our customers, or potential customers, is treated with the highest degree of privacy.

    We have developed a Privacy Policy for Our Group that:

    1)      ensures the security of your information; and
    2)      complies with state and federal privacy laws.

    The term “personal information” includes all information we obtain about a customer and maintain in our files. All persons with access to personal information are required to follow this policy.

    Our Privacy Promise

    Your privacy rights are important to us. Analysis of your private information allows us to provide to you excellent service and products. Your trust in us depends upon the security and integrity of our records. Thus, We promise to:

    1)      Follow strict security standards. This will protect any information you share with us, or that we receive about
      you.     
    2)      Verify and exchange data regarding your credit and financial status only for the purposes of: underwriting;
      policy      administration; or risk management. We will obtain only reputable references and services.
    3)      Collect and use the least amount of information necessary to:
      a.      advise you and deliver excellent service and products; and
      b.      conduct our business.
    4)      Train our employees to securely handle private information. We will only permit authorized employees to
      have      access to such information.
    5)      Not disclose data about you or your business to any organization outside Our Group or to third party
      providers      unless:
      a.      we disclose to you our intent to do so; or
      b.      we are required to do so by law.
    6)      Not disclose medical information unless:
      a.      you give us written consent to do so; or
      b.      We disclose for any exception provided in the law.
    7)      Attempt to keep our records complete and exact.
    8)      Advise you how and where to access your account (unless prohibited by law).
    9)      Advise you how to correct errors or make changes to your account.
    10)      Inspect our procedures to ensure your privacy.

    Collection and Sources of Information

    We collect only the personal information needed to:

    1)      determine suitability for a product or service;
    2)      manage the product or service; and
    3)      advise customers about our products and services.

    The information we collect comes from the following sources:

  		•  Submission – In the application, you provide: your name; address; phone number; e-mail address; and
      other      types of private information.
  		• Quotes – We collect information to determine:
      1)      your eligibility for an insurance product; and
      2)      your coverage cost.
  		• data we collect will vary with the type of insurance you seek.
  		• Transactions – We maintain records of all transactions with Our Group and our third party providers.
      Our      records include:
     

      1)      your coverage choices;
      2)      premiums; billing; and payment records,
      3)      claims history; and
      4)      other data related to your account.
  		• Claims – We maintain records on any claims that are made under your policies. The investigation of a
      claim      involves collection of a broad range of information. It also involves many issues, some of which do
      not      directly involve you. We will share with you facts that we collect about your claim; unless prohibited
      by      law. The process of claim investigation also involves advice; opinions; and comments from many
      people.      These may include attorneys and experts. This will help us determine how best to handle your
      claim.      To protect the legal and privileged aspects of opinions and advice, we will not disclose this
      information      to you.
  		• Credit and Financial Reports – We may receive your credit history. This is to support information you
      provided      during the submission and quote processes. This history will help to underwrite your coverage.

    Retention and Correction of Personal Information

    We retain personal information only as long as required by law; or as required by our business methods. If we become aware that any information may be incorrect, we will make reasonable effort to correct it.

    Storage of Personal Information

    Safeguards are in place to protect data and paper files containing personal information.

    Sharing/Disclosing of Personal Information

    We do not share personal information with a third party outside of Our Group for marketing purposes. This is true unless such sharing is permitted by law. Information may be shared with a third party for necessary servicing of the product. It may also be disclosed for other business reasons as permitted by law.

    We do not share personal data outside of Our Group for servicing or joint marketing reasons. We will only disclose such data when a contract containing non-disclosure language has been signed by us and the third party.

    Unless a consumer consents, we do not disclose “consumer credit report” type information outside of Our Group. “Consumer credit report type information” means such things as: net worth; credit worthiness; hobbies (piloting, boating, etc.); solvency, etc.

    We also do not disclose outside of Our Group personal information for use in marketing. We may share information within Our Group regarding our experience and dealings with the customer.

    We may disclose private information about a customer as allowed or otherwise required by law. The law allows us to share a customer’s financial data within Our Group for marketing purposes. The law does not allow customers to limit or prevent such disclosures.

    We may also disclose personal information about you or your business to:

    • your independent agent or broker;
    • an independent claim adjuster; investigator; attorney; or expert;
    • persons or groups that conduct scientific studies. This includes actuaries and accountants;
    • a medical care facility or professional to verify coverage for a covered person;
    • an insurance support group;
    • another insurer if to prevent fraud;
    • another insurer to properly underwrite a risk;
    • insurance regulators;
    • governmental authorities pursuant to law;
    • an authority in response to a valid administrative or judicial order. This includes a warrant or subpoena;
    • a party for the following purposes regarding a book of business: sale; transfer; merger; or consolidation. This applies whether the transaction is proposed or complete;
     

    • a professional peer review group. This includes reviewing the service or conduct of medical care facilities or personnel;
    • a covered person for providing the status of a transaction; or
    • any of the following: a lienholder; mortgagee; assignee; lessor; or other person of record having a legal interest in the policy.

    Policy for Personal Information Relating to Nonpublic Personal Health Information

    We do not disclose nonpublic personal health information about a customer; unless consent is obtained from that customer. However, such consent shall not be prohibited, limited or sought for certain insurance functions. This includes, but is not limited to:

    a.      claims administration;
    b.      fraud prevention;
    c.      underwriting; policy placement or issuance; loss control or auditing.

    Access to Your Information

    The following persons will have access to personal information we collect: employees of Our Group and third party service providers. Information will only be collected as is needed in transactions with you.

    Violation of the Privacy Policy

    Any person violating this Policy will be subject to discipline. This may include termination.

    For questions regarding this privacy statement, please contact your broker.

     

    NOTICE TO POLICYHOLDERS

    IMPORTANT INFORMATION

    (Massachusetts)

    In the event of a complaint, please contact us at:

    XL Professional
    100 Constitution Plaza, 17th Floor
    Hartford CT 06103
    Phone: 860-246-1863
    FAX 860-246-1899

    If you have been unable to contact or obtain satisfaction from the Insurer, you may contact the Massachusetts Division of Insurance to obtain information or make a complaint at:

    Commonwealth of Massachusetts
    Division of Insurance
    One South Station, 5th Floor
    Boston, MA 02110-2208

    Page 1 of 1

     

    NOTICE TO POLICYHOLDERS

    FRAUD NOTICE
     
     

    Arkansas

    Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
     

    Colorado

    It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claiming with regard to a settlement or award payable for insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.
     

    District of Columbia

    WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.
     

    Florida

    Any person who knowingly and with intent to injure, defraud, or deceive any insurance company files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.
     

    Hawaii

    For your protection, Hawaii law requires you to be informed that presenting a fraudulent claim for payment of a loss or benefit is a crime punishable by fines or imprisonment, or both.
     

    Kentucky

    Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.
     

    Louisiana

    Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
     

    Maine

    It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines, or denial of insurance benefits.
     

    Maryland

    Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly and willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

     

    PN CW 01 0210 Page 1
      © 2009 X.L. America, Inc. All Rights Reserved.
      May not be copied without permission.

     

     

     

    NOTICE TO POLICYHOLDERS
     
     
     

    New Jersey

    Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.
     

    New Mexico

    Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties.
     

    New York

    All Commercial Insurance Forms, Except As Provided for Automobile Insurance: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

    Automobile Insurance Forms: Any person who knowingly makes or knowingly assists, abets, solicits or conspires with another to make a false report of the theft, destruction, damage or conversion of any motor vehicle to a law enforcement agency, the department of motor vehicles or an insurance company, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the value of the subject motor vehicle or stated claim for each violation.

    Fire Insurance: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime. The proposed insured affirms that the foregoing information is true and agrees that these applications shall constitute a part of any policy issued whether attached or not and that any willful concealment or misrepresentation of a material fact or circumstances shall be grounds to rescind the insurance policy.
     

    Ohio

    Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.
     

    Oklahoma

    WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.
     

    Pennsylvania

    Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

    Automobile Insurance Forms: Any person who knowingly and with intent to injure or defraud any insurer files an application or claim containing any false, incomplete or misleading information shall, upon conviction, be subject to imprisonment for up to seven years and the payment of a fine of up to $15,000.
     
     
     

    PN CW 01 0210

    Page 2

    © 2009 X.L. America, Inc. All Rights Reserved. May not be copied without permission.

     

     

    NOTICE TO POLICYHOLDERS

    Puerto Rico

    Any person who knowingly and with the intention to defraud includes false information in an application for insurance or file, assist or abet in the filing of a fraudulent claim to obtain payment of a loss or other benefit, or files more than one claim for the same loss or damage, commits a felony and if found guilty shall be punished for each violation with a fine of no less than five thousands dollars ($5,000), not to exceed ten thousands dollars ($10,000); or imprisoned for a fixed term of three (3) years, or both. If aggravating circumstances exist, the fixed jail term may be increased to a maximum of five (5) years; and if mitigating circumstances are present, the jail term may be reduced to a minimum of two (2) years.
     

    Rhode Island

    Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefitor knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
     

    Tennessee

    It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

    Workers Compensation: It is a crime to knowingly provide false, incomplete or misleading information to any party to a workers compensation transaction for the purpose of committing fraud. Penalties include imprisonment, fines and denial of insurance benefits.
     

    Utah

    Workers Compensation: Any person who knowingly presents false or fraudulent underwriting information, files or causes to be filed a false or fraudulent claim for disability compensation or medical benefits, or submits a false or fraudulent report or billing for health care fees or other professional services is guilty of a crime and may be subject to fines and confinement in state prison.
     

    Virginia

    It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.
     

    Washington

    It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.
     

    West Virginia

    Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
     

    All Other States

    Any person who knowingly and willfully presents false information in an application for insurance may be guilty of insurance fraud and subject to fines and confinement in prison.

     

    PN CW 01 0210 Page 3
      © 2009 X.L. America, Inc. All Rights Reserved.
      May not be copied without permission.

     

     

     

    EX 82 01 07 07

    Endorsement No.: 1

    Named Insured: Fidelity Fixed Income and Asset Allocation Funds

    Policy No.: ELU117552-10

    Effective: July 01, 2010

    12:01 A.M. Standard Time

    Insurer: XL Specialty Insurance Company

     

    CHANGE OF INSURER ADDRESS AND PREAMBLE

    ENDORSEMENT

    (1)      The Declarations of the Policy are amended as follows:

    Notices required to be given to the Insurer must be addressed to:

      Notice to Claim Dept: All other Notices:
      XL Professional XL Professional
      One Hundred Constitution Plaza, 18th Floor One Hundred Constitution Plaza, 17th Floor
      Hartford, CT 06103 Hartford, CT 06103
      Attn: Claim Dept. Attn: Underwriting

     

      All references in the policy to other addresses for Notice to the Insurer shall be deemed amended.
    (2)      The preamble to this Policy is amended to read in its entirety as follows:
      In consideration of the payment of the premium, and in reliance on all statements made and information furnished to the Insurer identified in the Declarations (hereinafter the Insurer) and to the issuer(s) of the Underlying Insurance, and subject to all of the terms, conditions and endorsements of this Policy, the Insurer and the Insured Entity, on its own behalf and on behalf of all persons and entity(s) entitled to coverage hereunder, agree as follows:

    All other terms, conditions and limitations of this Policy shall remain unchanged.

    EX 82 01 07 07

    Page 1 of 1

     

     

    XL 80 24 03 03

    Endorsement No.: 2

    Named Insured: Fidelity Fixed Income and Asset Allocation Funds

    Policy No.: ELU117552-10

    Effective: July 01, 2010

    12:01 A.M. Standard Time

    Insurer: XL Specialty Insurance Company

     

    TERRORISM PREMIUM ENDORSEMENT

    Please note: The portion of your annual premium set forth in Item 6. of the Declarations that is attributable to coverage for acts of terrorism is: $ waived.

    All other terms, conditions and limitations of this Policy shall remain unchanged.

    XL 80 24 03 03

    Page 1 of 1

     

     

    EX 80 107 10 03

    Endorsement No.: 3

    Named Insured: Fidelity Fixed Income and Asset Allocation Funds

    Policy No.: ELU117552-10

    Effective: July 01, 2010

    12:01 A.M. Standard Time

    Insurer: XL Specialty Insurance Company

     

    EXCESS TERRORISM ENDORSEMENT

    In consideration of the premium charged, it is understood and agreed that any endorsement of the Underlying Insurance which specifically precludes coverage for an “insured loss” resulting from an “act of terrorism” (as such terms are defined in the Terrorism Risk Insurance Act of 2002) which would otherwise be provided coverage under the Underlying Insurance shall be inapplicable to this Policy (any such endorsement, a “Terrorism Endorsement”). Subject to all other terms, conditions and limitations of the Policy and the Underlying Insurance, other than the Terrorism Endorsement, coverage for acts of terrorism is included in this Policy. In any event, coverage hereunder will attach only after all of the Underlying Insurance has been exhausted by the actual payment of loss by the applicable insurers thereunder, regardless of whether any such Terrorism Endorsement is included in any Underlying Insurance. The Insurer will not be liable under this Policy to any earlier degree than the Insurer would have had this Endorsement not been a part of this Policy.

    All other terms, conditions and limitations of this Policy shall remain unchanged.

    EX 80 107 10 03

    Page 1 of 1

     

     

    EX 80 75 09 02

    Endorsement No.: 4

    Named Insured: Fidelity Fixed Income and Asset Allocation Funds

    Policy No.: ELU117552-10

    Effective: July 01, 2010

    12:01 A.M. Standard Time

    Insurer: XL Specialty Insurance Company

     

    EXCESS ENDORSEMENT

    In consideration of the premium charged:

    (1)      It is understood and agreed that the Limit of Liability for this Policy as set forth in Item 3 of the Declarations is the maximum amount payable, including Defense Expenses, by the Insurer under this Policy. Any provision of the Underlying Insurance indicating any ability or right to any reinstatement of such policy's limit of liability shall be inapplicable to this Policy, including any provision indicating a reinstatement of such policy's limit of liability during any extended discovery or reporting period. The Insurer shall not be liable to the Insureds or any other person or entity claiming through or in the name or right of the Insureds for any loss or other liability based upon, arising out of, directly or indirectly resulting from, in consequence of, or in any way involving the application or enforcement of any such provision of the Underlying Insurance.
    (2)      It is understood and agreed that the Insurer is under no obligation to renew this Policy upon its expiration. Any provision of the Underlying Insurance indicating any automatic renewal of this Policy shall be inapplicable to this Policy. The Insurer shall not be liable to the Insureds or any other person or entity claiming through or in the name or right of the Insureds for any loss or other liability based upon, arising out of, directly or indirectly resulting from, in consequence of, or in any way involving the application or enforcement of any such provision of the Underlying Insurance.

    All other terms, conditions and limitations of this Policy shall remain unchanged.

    EX 80 75 09 02

    Page 1 of 1

     

    EXCESS POLICY COVERAGE FORM
    EX 71 01 09 99

    EXCESS POLICY COVERAGE FORM

    THIS IS A CLAIMS MADE POLICY. EXCEPT AS OTHERWISE PROVIDED HEREIN, THIS POLICY ONLY APPLIES TO CLAIMS FIRST MADE DURING THE POLICY PERIOD. THE LIMIT OF LIABILITY AVAILABLE TO PAY DAMAGES OR SETTLEMENTS SHALL BE REDUCED AND MAY BE EXHAUSTED BY THE PAYMENT OF DEFENSE EXPENSES. THIS POLICY DOES NOT PROVIDE FOR ANY DUTY BY THE INSURER TO DEFEND ANY INSURED. PLEASE READ AND REVIEW THE POLICY CAREFULLY.

    In consideration of the payment of the premium, and in reliance on all statements made and information furnished to Executive Liability Underwriters, the Underwriting Manager for the Insurer identified in the Declarations (hereinafter the Insurer) and to the issuer(s) of the Underlying Insurance, and subject to all of the terms, conditions and endorsements of this Policy, the Insurer and the Insured Entity, on its own behalf and on behalf of all persons and entity(s) entitled to coverage hereunder, agree as follows:

    I. INSURING AGREEMENT

    The Insurer will provide the Insured with insurance coverage for claims first made against the Insured during the Policy Period excess of the Underlying Insurance stated in ITEM 4 of the Declarations. Coverage hereunder will apply in conformance with the terms, conditions, endorsements and warranties of the Primary Policy together with the terms, conditions, endorsements and warranties of any other Underlying Insurance. The coverage hereunder will attach only after all of the Underlying Insurance has been exhausted by the actual payment of loss by the applicable insurers thereunder and in no event will the coverage under this Policy be broader than the coverage under any

    Underlying Insurance.

    II.      DEFINITIONS
    (A)      “Insured” means, either in the singular or plural, those persons or organizations designated as insureds in the
      Underlying Insurance.
    (B)      “Policy Period” means the period designated in ITEM 2 of the Declarations, or to any earlier cancellation date.
    (C)      “Primary Policy” means the policy designated in ITEM 4 (A) of the Declarations.
    (D)      “Underlying Insurance” means all policy(s) designated in ITEM 4 of the Declarations.
    III.      DEPLETION OF UNDERLYING LIMITS OF LIABILITY
    (A)      This Policy, subject to the terms, conditions, limitations and endorsements of this Policy and the Underlying Insurance, will continue to apply to loss as excess insurance remaining under such Underlying Insurance, in the event of the reduction or exhaustion of the limits of liability of the Underlying Insurance solely as the result of the actual payment of loss by the applicable insurer thereunder.
    (B)      This Policy, subject to the terms, conditions, limitations and endorsements of this Policy and the Underlying Insurance, will continue for subsequent claims or loss as primary insurance in the event of the exhaustion of all of the limits of liability of such Underlying Insurance solely as the result of the actual payment of loss by the applicable insurer thereunder.
    (C)      Any risk of uncollectibility with respect to the Underlying Insurance will be expressly retained by the Insured and will not be assumed by the Insurer.

    EX 71 01 09 99

    Page 1 of 3

     

    EXCESS POLICY COVERAGE FORM
    EX 71 01 09 99

    This Policy, subject to all its terms, conditions and endorsements, will not drop down for any reason including, but not limited to uncollectibility (in whole or in part) whether because of financial impairment or insolvency of the Underlying Insurance or for any other reason except for the actual payment of loss by the applicable Insurer thereunder.

    IV.      MAINTENANCE OF UNDERLYING INSURANCE
    (A)      The limit(s) of liability of the Underlying Insurance designated in ITEM 4 of the Declarations shall be maintained during the Policy Period in full effect except for any reduction or exhaustion of the aggregate limits of liability available under the Underlying Insurance solely by reason of actual payment of loss thereunder.
      Failure to comply with the foregoing will not invalidate this Policy but the Insurer will not be liable to a greater extent than if this condition had been complied with. If for any reason the Underlying Insurance is not maintained, then the Insured will be deemed to be self-insured for that amount of the limit(s) of liability of such
      Underlying Insurance.
    (B)      In the event of a change of any kind to any Underlying Insurance by endorsement, rewrite or otherwise, the coverage under this Policy will become subject to such change only if and to the extent that the Insurer consents to such change by written endorsement to this Policy.
    (C)      The Insurer will not be liable under this Policy earlier or to any greater extent than it would have been as a result of the actual or alleged failure by the Insureds to give notice or to exercise any extensions under any Underlying Insurance, or misrepresentation or breach of warranty with respect to any Underlying Insurance.
    V.      CLAIM PARTICIPATION

    The Insurer may, at its sole discretion, elect to participate in the investigation, settlement and/or defense of any claim against the Insured even if the Underlying Insurance has not been exhausted and the Insured will provide such information and cooperation as is reasonably requested.

    VI. LIMIT OF LIABILITY

    The amount stated in ITEM 3 of the Declarations is the limit of liability of the Insurer and shall be the maximum amount payable, including Defense Expenses, by the Insurer under this Policy. Defense Expenses are part of and not in addition to the limit of liability and the payment of such will reduce the limit of liability.

    VII. NOTICE

    The Insured will, as a condition precedent to the coverage available under this Policy, give written notice as soon as practicable to the Insurer of:

    (A)      any claim under any Underlying Insurance, or any situation that is required to be reported under any
      Underlying Insurance that could give rise to a claim under any Underlying Insurance;
    (B)      the cancellation of any Underlying Insurance;
    (C)      any change to the Underlying Insurance by rewrite, endorsement or otherwise; or
    (D)      any additional or return premiums charged or allowed in connection with any Underlying Insurance.

    EX 71 01 09 99

    Page 2 of 3

     

    EXCESS POLICY COVERAGE FORM
    EX 71 01 09 99

    The Insured Entity will be the sole agent for and will act on behalf, of the Insured with respect to all matters under this Policy, including but not limited to giving and receiving notices and other communications, effecting or accepting any endorsements to or notice of cancellation of this Policy, paying premium and receipt of any return premiums.

    Notice given to any underlying insurer of any claim or any situation that could give rise to a claim under any Underlying Insurance scheduled in ITEM 4 of the Declarations will not be deemed notice to the Insurer. Notice of any claim or situation that could give rise to a claim must be sent by certified mail or the equivalent to the address set forth in ITEM 5 of the Declarations; Attention: Claim Department.

    VIII.      POLICY TERMINATION
    (A)      The Insured Entity may cancel this Policy by mailing to the Insurer written notice when such cancellation shall be effective, provided the date of cancellation is not later than the Expiration Date set forth in ITEM 2 of the Declarations.
    (B)      The Insurer will refund the unearned premium computed at the customary short rate if the Policy is canceled by the Insured Entity. Under all other circumstances, any unearned premium will be computed pro rata.
    (C)      This Policy will terminate immediately upon the termination of any of the policies scheduled in ITEM 4 of the Declarations, whether canceled by the Insured Entity or the applicable insurer. Notice of cancellation or non- renewal of any such policies duly given by any of the applicable insurers shall serve as notice of the cancellation or non-renewal of this Policy by the Insurer.
    IX.      ALTERATION

    No change in or modification of this Policy shall be effective unless made by endorsement signed by an authorized employee of the Insurer.

    EX 71 01 09 99

    Page 3 of 3

     
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