The saying, “Don’t put all your eggs into one basket”, refers to safeguarding your assets. A sound financial principle is setting financial goals, which refers to dividing your goals into three groups, each with unique characteristics. For example, Short Term Goals (one to three months that may include personal shopping needs or a weekend away), Medium Term Goals (three to twelve months that could include a large purchase for within your home or more extensive travel, and Long Term Goals (over one year, that may include paying off existing debt, saving for a down payment on a new or second home, saving for your children’s/grandchildren’s education, or saving for your retirement dreams). Another important term is diversifying your assets, which means not investing all of your financial “eggs” into one basket. Consideration should also be given to your age, income, and your ability to deal with the financial markets' up and down changes in your assets’ principal value, especially when access to those assets is required (also known as risk tolerance).

Fidelity Savings does not accept the concept that any long-term savings plan must be rooted in non-deposits products, such as mutual funds, stock, bonds, annuities, real estate investments and many other asset classes. The poor performance of non-deposit products over the last several economic cycles shows the dangers of a narrow investment approach. Fidelity Savings, which has existed over many varied economic periods in our nation’s history since 1885, believes in the important role for cash-based FDIC Insured Savings Accounts and Certificates of Deposit in the funding of people’s short, medium and long-term financial goals. Each person’s risk tolerances and goals vary, especially those individuals on limited or fixed income. Therefore, we thank our clients for taking our Mutual Fund Self-Test, and we encourage you to evaluate your scores with your future plans and goals in mind. We also recommend our one minute Certificate of Deposit Self-Test.

See The Investor Profile Chart Below

Now that you've taken our Investor Profile Test, the chart below will help you determine your "risk preference" and the category of Mutual Funds that might be right for you.

Here's A Basic Rule: To get higher returns, you must take higher risk. Some funds invest very conservatively, while others take more risk in pursuit of higher gains. So, to choose the fund that matches your goals, you'll need to consider how much risk you can afford.

INVESTOR PROFILE CHART

If Your Test Score is...

Under 12 Points: Very Conservative Profile
You may want to consider meeting your goals with
Money Market Funds
Tax-Exempt Money Market Funds

12 to 26 Points: Conservative Profile
You may want to consider meeting your goals with
Government Bond Funds
High-Grade Corporate Bond Funds
High-Grade Tax Exempt Bond Funds

27 to 42 Points: Moderate Profile
You may want to consider meeting your goals with
High-Yield Corporate Bond Funds
High-Yield Tax Exempt Bond Funds
Income Funds
Balanced Funds
Growth-and-Income Funds

43 to 50 Points: Aggressive Profile
You may want to consider meeting your goals with
Growth Funds

Over 50 Points: Very Aggressive Profile
You may want to consider meeting your goals with
Aggressive Growth Funds

This chart is for your information only. Your total score does not recommend a particular mutual fund, nor does it guarantee that any mutual fund will achieve its investment objective. Mutual funds are not deposits and are not insured or guaranteed by the FDIC, or any other government agency. An investment in mutual funds involves investment risks including the possible loss of the principal amount invested. Always ask for a prospectus and read it carefully before you invest in any mutual fund.

How to Protect Yourself

• Never invest in a product you don’t understand. • Be sure you have enough information before making an investment. Ask Questions until you are satisfied. • Investments ALWAYS entail some degree of risk: Understand the risk. • Be sure your sales representative knows your financial objectives and risk tolerance. • Find out more about your registered sales representative or broker/dealer by calling the National Association of Securities Dealers @ 800-289-9999 or linking to WWW.NASDR.COM

Unlike Mutual Funds, Fidelity Savings FDIC Insured Deposits are guaranteed up to $100,000 per ownership category, and as of April 1, 2006 Individual Retirement Accounts (IRAs) are insured up to $250,000 in accordance with the rules and regulations of FDIC, a direct U.S. Government Agency. Insured Deposits have no commissions, management fees or loads; all your money works for you all the time – it’s guaranteed. Remember, no one has ever lost a penny in an FDIC Insured deposit.