Fidelity Youth® 1.21

Introducing Fidelity Youth®—an application designed to assist adolescents in managing and investing their personal finances. The app offers tools to foster responsible money practices, aiding teenagers in setting financial goals, tracking expenses, and automating savings. Additionally, parents or guardians have the ability to transfer funds and supervise financial activities. Download the Fidelity Youth® app today to empower teens to make informed financial decisions.

• For Teens:
• See the features of Fidelity Youth® that can help you acquire essential skills in earning, managing, and investing your money.

1. Make: Under this category, Fidelity Youth® assists teenagers in taking their first steps towards financial independence by facilitating:
Requesting and receiving funds from parents or guardians Setting up direct deposits for easy access to earnings Converting unwanted gift cards into cash for savings or investments

1. Manage: Through this feature set, Fidelity Youth® supports teenagers in grasping effective money management by enabling them to:
Organize finances using customizable compartments Establish automated saving rules Enjoy account perks with no subscription fees, maintenance charges, or minimum balance requirements Obtain a dedicated debit card

1. Invest: With a focus on fostering early investment habits, Fidelity Youth® provides tools for teenagers to:
Educate themselves about investing through resources and advice in the app's educational center Commence investing with amounts as low as $1 while gaining knowledge along the journey Access the sole investment account tailored for adolescent ownership

• For Parents or Guardians:
• Aid your teenager in cultivating financial autonomy under your supervision by:

1. Monitoring your teenager's monthly spending habits and saving activities
2. Supporting their financial education
3. Facilitating easy fund transfers between accounts
4. Scheduling recurring allowance disbursements
5. Reviewing your teen's account actions (trades and transactions)
6. Suspending your teen's debit card or account as needed
<il>Benefit from the Fidelity Customer Protection Guarantee</il>
7. Accessing information on multiple children's account activities and learning advancements</il
8. Gaining access to round-the-clock support services
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   • *The Fidelity Youth® app is available for free download. Specific fees related to account holdings or transactions may apply. †Zero account minimums and no account fees pertain solely to retail brokerage accounts. Charges tied to investments (e.g., funds, managed accounts), commissions, interest rates, or other transactional costs might still be applicable. For comprehensive details, kindly visit Fidelity.com/commissions. 1028114.15.0