Personal and Workplace Investing (PWI) helps millions of people save and invest through individual retail accounts and workplace retirement savings plans. PWI builds lifetime relationships with customers and provides employers with cost-effective, integrated employee benefit solutions. The company serves customers online, over the phone, and through a nationwide network of investor centers.

PWI provides a full range of investment products and services to individual mutual fund and brokerage customers consisting of two main businesses:

• Direct mutual fund and brokerage sales and services
• Fidelity's retirement rollover business

PWI is also committed to helping drive employee retirement readiness by delivering leading-edge financial solutions to employers, including:

• Investment management
• Recordkeeping
• Employee communication and education
• Cash management products and services