                    YOUR PERSONALIZED RETIREMENT ACTION PLAN

Now that you have gone through the Fidelity Retirement Planning Thinkware program, you probably see more clearly than ever how important it is to take control of your own retirement planning.

We designed this program to demonstrate how vital it is to have a plan to achieve your goals and to help you develop that plan.

And now, having worked through this program, you've taken an important first step toward ensuring you can have the kind of retirement you want.

Momentum is on your side.  We encourage you to "sieze the moment" to put your plan into effect.  The sooner you start, the easier it will be.  You may never be in a better position to take control of your retirement planning.

This report will summarize the following key information:

          -  Your Retirement Profile:
                    -  Your Retirement Needs
                    -  Your Investment Strategy

          -  Your Retirement Plan Variables --
             Small Changes Make a Big Difference

          -  Your Next Steps

          -  Your Regular Check-up

We designed this report to give you a blueprint which you can follow -- step-by-step -- as you build your savings toward your retirement goals.

If you have any questions about anything you find in this report, in the program itself or about investing for retirement in general, please call Fidelity 24 hours a day at 1-800-544-5373.  A Retirement Specialist will be happy to answer your questions.
