B

Balance
This can be one of the following:

• For Fidelity NetBenefits^®, it is the market value of each investment option position in your account (e.g., each mutual fund you hold in your 403(b), 401(k), or 457 account) as of the date displayed.
• For Personal Trust accounts, it is the balance in the Personal Trust account or sub-account as of the date displayed. Balance does not reflect the Fair Market Value of certain non-financial assets held in an account. This field displays on the Personal Trust Balances screen.

Balances
This amount isthe sum of all your contributions and employer matching contributions,if any, for the period.

Bank Account Number
The bank account to which mutual fund redemptions are sent, or the bankaccount for Electronic Funds Transfers.

Bank Business Day
This refers to a day, Monday through Friday excludingholidays when U.S. banks are open.

Bank Name
The name of a bank to or from which you want totransfer money using Fidelity Electronic Funds Transfer.

Bank Qualified
Bonds that banks and trust departments can hold in their portfolios.These bonds are usually rated investment grade or higher. The issuer isgenerally limited to no more than 10 million dollars per year ofoutstanding indebtedness.

Bank Routing Number
The unique transit routing number that identifies aspecific bank or institution. This is also sometimes referred to as the ABA number.

The transit routing number is used towire redemptions to a bank account.

You specify a bank routing numberwhen adding the Bank Wire feature or Electronic Funds Transfer service to an account.

Bank State
The state in which the issuing bank of a Certificate of Deposit is registered.

Bank Wire Indicator
Indicates if an account has the Bank Wire feature.This feature allows fund redemptions to be wired to a bank account you specify.

Barclays Capital U.S. Aggregate Bond Index
The Lehman Brothers U.S. Aggregate Index is an unmanaged, market-value-weighted index oftaxable investment-grade fixed-rate debt issues, including government, corporate, asset-backed,and mortgage backed securities, with maturities of one year or more.

Barclays Capital U.S. Government Bond Index
A market value weighted index of U.S. Government andgovernment agency securities (other than mortgage securities) with maturities of one year or more.

Barclays Capital U.S. Insured Municipal Bond Index
Barclays Capital U.S. Insured Municipal Bond Index is an unmanaged,market-value-weighted index of investment-grade municipal bonds withmaturities of one year or more.

Barclays Capital U.S. Intermediate Government/Corporate Bond Index
The Barclays Capital U.S. Intermediate Government/CorporateBond Index is a market value weighted performance benchmark for government and corporate fixed-rate debtissues with maturities between one and 10 years.

Barclays Capital U.S. Universal
The Barclays Capital U.S. Universal Index represents the union of the U.S. Aggregate Index,U.S. Corporate High-Yield, Investment Grade 144A Index, Eurodollar Index, U.S. EmergingMarkets Index, and the non-ERISA eligible portion of the CMBS Index. The index covers USD-denominated, taxable bonds that are rated either investment-grade or below investment-grade.

Base Coupon
This is the date on which the next or last coupon interest payment for a fixed-income security (e.g.,a bond) was paid or is scheduled to be paid, depending on which date is closest to the current calendardate. For example, if it is 10/1/2001, the coupon payment is quarterly, the last payment was on 9/20/2001and the next payment would be on 12/20/2001, the 9/20/2001 date would display.

Referencing this date and thepayment frequency information together can help you determine the date for the next coupon interestpayment.

Based On
The specifiedprice a trailing stop order can trail the market which includes LastTrade, Bid and Ask. This field is only available for trailing stoporders.

Basis Point
Oneone-hundredth (1/100 or 0.01) of one percent. Yield differences amongfixed income securities are stated in basis points.

Basis Previously Provided
The indicator of whether or not you provided the cost basis and holding period date of these shares.

Possible Values:

• No: You have not added cost basis information before today, indicating that Fidelity has already processed an update transaction.
• Yes: You have added cost basis information before today, indicating that Fidelity has already processed an update transaction.

Note: You may update cost basis in either case.

Basket Name
The name of your basket. Each basket must have aunique name.

Basket Position Cost
The position level cost for each holding in a basket, based on the acquisitioncost or average cost if shares have been added or removed from a basket position.

Basket Return
For basket trading, the Total Current Market Valuedivided by the Total Basket Cost.

Beginning FMV
The fair market value of acompany's stock at the close of business on the first day of the offering period.

Benchmark
An unmanaged group of securities whose overallperformance is used as a standard against which relative investment performance is measured.

Benchmark %
The percentage of the portfolio represented by aparticular index, like the Wilshire 5000.

Benchmark Formula
A formula to determine a performance standard against which a bond or other security can be measured.

Benchmark Reference
A group of securities whose overall performance is generally agreed tobe used as a standard against which relative investment performance ismeasured.

Beneficiary
The person or other party designated to receive theproceeds from a life insurance policy, trust, estate, College Savings Plan, retirement account,etc.

Best Ask
The price that someone who owns a security offers asa price at which they will sell.

Best Bid
The price a prospective buyer is willing to pay for ashare of a security at a particular time.

Best n-Year Return
On the Historical Analysis screen, this is the bestaverage annual return that is returned from themarket for the asset-allocation mix shown over a 35-year period. Returns for the best 1-year and thenreturns in 5-year increments up to 35 years are shown.

The analysis uses your portfolio orone or more selected accounts to calculate asset-allocation mix percentages. Then, the historicalperformance information is calculated for that asset allocation using general market indexes.

Best n Years
On the Historical Analysis screen, this is the numberof years over which account values are graphed.

If a security you hold has notexisted for 35 years, then best values over the life of the security are provided.

Beta
Beta is a coefficient which measures the volatility of a stock's returns relative to a given market index.In the case of a Company Profile displayed on fidelity.com, the index used is the S&P 500. It is basedon a 60-month historical regression of the return on the stock onto the market return.

• A beta of 1 means that the market and the stock move up or down together, at the same rate. That is, 5% up or down move in the market would result in a 5% up or down move in the stock.
• A beta coefficient of 2 suggests that the stock will tend to fluctuate twice as much as the market. That is, if the market moves up 5%, then the stock would move up 10%.
• A beta coefficient of 0.5%, indicates that the stock will move one-half as much as the market, either up or down.

A negative beta indicates the stocktends to move in the opposite direction from the general market. That is, the stock price declines whenthe overall market is rising, or rises when the overall market is declining. Negative Beta stocks arerare. Beta values are not calculated if less than 24 months of pricing is available.

Bid [tick]
Refer to Bid Price.

For Extended Hours session(Premarket orAfter Hour session) quotes, this is the best price* atwhich someone is willing to buy shares of the stock through theECN in which Fidelity participates.

* Extended Hours quotes obtained fromFidelity.com will only reflect the prices available in the ECN, linked ECNs and Nasdaq's SelectNet, whenavailable.

For Premarket and After Hours sessiontrade orders, the bid price source is the ECN and Extended Hours Session displays as the source on tradeorder verification screens.

For Fidelity variable annuity investment option quotes, this information is notapplicable and N/A displays in the Bid Exchange field.

BidExchange
The exchange or market from which the bid price wasquoted (e.g., New York Stock Exchange, Nasdaq etc.).

For Fidelity variable annuity investment option quotes, this information is notapplicable and N/A displays in the Bid Exchange field.

Bid Orders
The list of the top (highest price) ten offers to buy a securityduring a Premarket or After Hours session.

The list displays only on the Full Book quote screen.

For each order in the Bid Orders list, the following information is displayed from left to right:

• ECN
• Shares (the number of shares in the order)
• Price (Bid Price)

Bid Price [tick]
The price a buyer is willing to pay for a security.

Nasdaq^® requires all real-time datadistributors to display a Bid Tick indicator on quotation displays for securities traded on the NasdaqGlobal Market^SM. The indicator displays the upward [+] or downward [-] movement from the previous bidprice. This indicator only displays for securities traded on the Nasdaq Global Market.

For Extended Hours session(Premarket andAfter Hour session) quotes, this is the best price* atwhich someone is willing to buy shares of the stock through theElectronic Communications Network (ECN) in which Fidelity participates.

* Extended Hours quotes obtained fromFidelity.com will only reflect the prices available in the ECN, linked ECNs and Nasdaq's SelectNet^®, whenavailable.

For Premarket and After Hours sessiontrade orders, the bid price source is the ECN and Extended Hours session displays as the source on tradeorder verification screens.

For Fidelity variable annuity investment option quotes, this information is notapplicable and N/A displays in the Bid Price field.

Bid Size
The number of round lots currently available at thebid price. For example, if this field displays 15, that represents 15 round lots or 1500 shares.

For Extended Hours session (Premarket or After Hours session) quotes, this is the total number ofshares that investors are willing to buy at the bid price* through the ECN in which Fidelity participates, linked ECNs andNasdaq's SelectNet, when available. For example, a bid size of 500 could be the total of 100 and 400shares that two different prospective buyers are willing to buy at the quoted bid price.

* This is the bid size for thehighest bid price in the ECN, linked ECNs and Nasdaq's SelectNet, when available. Extended Hours quotesobtained from Fidelity.com will only reflect the prices available in the ECN.

For Fidelity variable annuity investment option quotes, this information is notapplicable and N/A displays in the Bid Size field.

Bid Yield
The highest annual rate of return on an investment(e.g., a bond) at which a buyer is willing to buy a security.

BigCharts
BigCharts, Inc. provides some security price chartsfor informational purposes only. BigCharts, Inc. is an independent, third-party company and is notaffiliated with Fidelity Investments or any of its affiliates.

Bill Payment
Refer to Fidelity BillPay^SM service.

Billing Cycle (Credit Card)
The period of time that begins the day after the closing date shown onyour account's preceding monthly statement, and ends on the closingdate that appears on your account's statement for the current month.Billing cycles are approximately one month long.

Blackout Period
These are certain times of the year when privilegesto exercise your stock options may be restricted. Refer to yourstock option plan rules for more information.

For example, blackout periods oftencoincide with a company's fiscal year end, dividend schedules, and calendar year end.

Blank Rung
A blankrung is a placeholder rung in your bond ladder. It's left blank becausethere are no bond offerings that meet your selection criteria and canfill the rung. You can:

• Select a blank rung as an option on the View Alternatives page and the View Existing Holdings page
• Replace an existing rung with a blank rung

Blend
This is an investment type referring to stocks with a valuation that isclose to that of the S & P 500.

Portfolio and account analysis showsinformation about your holdings' investment types in the Domestic Equity Style Profile. For moreinformation about the Domestic Equity Style Profile, select Learn More About Analysis at the top of theanalysis screens.

In the Domestic Equity Style Profilesection on the Holdings Detail screen, this is the value of your domestic holdings that are classified asequities andunderlying securities of pooled investments such asmutual funds which are small cap blend,mid cap blend, or largecap blend. All values are as of the date and time shown in the Control Panel.

Blended Benchmark
A combination of market indexes in varying percentages used to evaluatethe performance of an investment account.

Block Trades
The number of block trades that have occurred for asecurity during the current trading day as of the date and time displayed.

Block Volume
The percentage of all trades for a security that havebeen placed during the current trading day as of the date and time displayed.

Blue-Chip Stocks
Stocks of well-established companies that have had ahistory of earnings and dividend payments, as well as a reputation for sound management and quality ofproducts and services. While not all large cap stocks are blue chip stocks, there is usually a large capbias to blue chip stocks.

Blue Sky Laws
The registration of new issue securities with the state agency thatreviews selling documents for accuracy and completeness. When seen asan attribute ("SKY") in a CD Results table or Details page, the phraseis used to point out those states that have Blue Sky Laws that prohibitthe marketing and sale of that security to customers residing in thatstate.

Bollinger Bands
Bollinger Bands are a type of envelope (or tradingband) plotted at standard deviation levels above and below a moving average.

Because standard deviation measuresvolatility, the bands widen during volatile markets and contract during calmer periods.

Mr. Bollinger notes the followingcharacteristics of Bollinger Bands:

• Sharp price changes tend to occur after the bands tighten, after volatility lessens.
• When prices move outside the bands, a continuation of the current trend is implied. Bottoms and tops made outside the bands followed by bottoms and tops made inside the bands call for reversals in the trend.
• A move that originates at one band tends to go all the way to the other band. This observation is useful when projecting price targets.
• Bollinger Bands are displayed in two bands which are plotted at standard deviation levels above or below a moving average.
• Bollinger Bands provide a view of the current trading range. They can be used with other indicators to determine when it's time to buy or sell.
• Bollinger Bands indicator in BigCharts references the following fixed parameter: Time Period - 20.

Bond
An interest-bearingpromise to pay a specified sum of money (the principal amount) due on aspecific date. Bonds are typically issued by a company, municipality,government, or government agency for the purposes of raising capital orretiring other debt.

• Corporate Bond [standardize definition between ATP and OLTX]
  A debt security issued by a private corporation. Corporate bonds generally have a face value of $1,000, are taxable, and have a term maturity. These bonds pay coupon interest according to a coupon rate set at the time the bond is issued.
• Government Bond [not in OLTX or ATP at all, new definition—needs detail?]
  A type of debt security issued by the U.S. Treasury. Government bonds are direct debt obligations issued and explicitly guaranteed by the U.S. government.
• Municipal Bond [in ATP, in OLTX as “Municipal Securities”. standardize]
  A type of debt security issued by local governmental subdivisions such as cities, towns, counties, or special districts, as well as securities issued by states and political subdivisions or agencies of states. A prime feature of these securities is that coupon interest on them is generally exempt from federal income taxes and, in some cases, state and local taxes as well. Municipal bonds come in two basic types: general obligation bonds, which are backed by the full faith and credit of the issuer, and revenue bonds, which are backed by revenue generated by a particular project.

Bond/CD Redemption Alerts
Fidelity Bond/CD Redemption Alerts is a service designed to provideFidelity customers with information about key changes to the status oftheir bonds via either paper or e-mail. Customers can enroll in theAlerts service by going to the Research tab and selecting Alerts.

• Partial and Full Calls
• Maturities
• Mandatory Puts

Bond Concession Schedule

For secondary market fixed income security transactions,concession is the per-bond trading charge levied in addition to thepurchase or selling price quoted. A concession is the per-bond markupor markdown on a fixed income trade, as opposed to an agent commission.Concessions vary by product type. Bonds are made available from ouraffiliate, National Financial Services (NFS), and from various externaldealers for whom Fidelity Brokerage Services acts as risklessprincipal. The offering broker, which may be our affiliate NFS, mayrealize a trading profit or loss on the transaction. For a completebreakdown of Fidelity's Fixed Income concession schedule, go toInvestment Products > Brokerage, click Learn About FidelityBrokerage, and under Fidelity Account Details, click BrokerageCommission and Fee Schedule.

Bond CUSIP
The security identifier number used throughout thefinancial community to identify a bond.

Bond Funds
Registered investment companies whose assets areinvested in diversified portfolios of bonds.

Bonds/Shares
On the Open Indications of Interest screen, this isthe number of bonds or shares that you entered as part of anindication of interest in anew issue fixed-income offering (e.g., bond offering).For Fixed Rate Capital Securities, you enter the number of shares instead of bonds.

Bond Tier / Tier 1/ Other Bonds
Also: Risk/Price
Secondary bonds offered are subject to a Price Test and a Risk Test*.The Risk and Price Tests are specific quantitative observations thatcompare a particular bond to its peers (as defined by bonds of a likecredit rating) to determine whether it is representative of thosebonds. A bond that exceeds certain established proprietary standardsfails the associated test. Bonds labeled Other have been classified asoutliers in either the Price Test or the Risk Test.

The detail as to why a particular bond is in the Other category ofbonds is shown by the following notation in the Bond Details or TableSearch Results screens:

• RO - Risk Outlier means the bond is beyond the parameters necessary to pass the Risk Test. RP, or Risk Pass, means the bond has passed the Risk Test.
• PO - Price Outlier means the bond is beyond the parameters necessary to pass the Price Test. PP, or Price Pass, means the bond has passed the Price Test.

*The Risk Test and Price Test are specific quantitativeobservations. The Risk Test is based upon comparing the yields of aparticular bond in the context of its peers (as defined by bonds of alike credit rating). The Price Test is based upon comparing a bond'scurrent offered price with its latest third party closing price. Use ofthese terms should not imply that Fidelity is recommending any bond(s)over others.

The Risk and Price Tests are applied to varying degrees to the following bond categories:

• US Treasuries - No tests applied, all bonds are T1
• Agencies - Price Test only
• Municipals - Both Risk and Price Tests
• Corporate - Both Risk and Price Tests
• CDs - Risk Test only as defined presence of FDIC Insurance

Bond Type
The type of bond as delineated across the primary product sub-categories: Corporates, Municipals, Agencies/GSEs.

In the Bond Ladder tool, indicates whether the ladder will investin only municipal bonds or will invest in taxable bonds. Generallytax-free municipal securities are inappropriate holdings fortax-advantaged accounts such as an IRAs and other retirement accounts.Please consult your tax advisor for advice about your specificsituation.

Book Value Per Share, MRQ ($ per share)
In a Company Profile, this is defined as the common shareholder'sequity divided by the shares outstanding at the end of the most recent fiscal quarter.

MRQ is the most recentquarter.

Borrowing on Margin
Borrowing using loan value generated from securities held in margin. Borrowing on margin increases the margin debit balance in the account.

Break Even
The underlying stock price at which an options strategy (or combined stock and option strategy) has a zero loss and zero gain.

Broadly Diversified International Equity Funds
Broadly diversified international equity fundsgenerally fall into two categories:international funds, which do not invest in U.S. securities, andglobal funds, which invest anywhere in the world, including the U.S. Although they are both consideredmore aggressive than most domestic equity funds, broadly diversified funds are often considered to be a"less aggressive" type of international fund because of their typical emphasis on diversification withinestablished markets. With these funds, risk is spread out across an expansive geographic area rather thanconcentrated in a single region or country. These funds are used by many investors to form the foundationof the international component of their portfolio.

Broad Market Comparison
On the Graphical View screen, this is the distribution of yourdomestic holdings that are classified as equities byindustry sector (e.g., durables, staples, retail,health, etc.) relative to equities tracked on the Wilshire5000 Equity Index.

You can also see if the percentage ofyour securities in an industry sector is higher (overweight) or lower (underweight) compared to theequities tracked on the Wilshire 5000 Equity Index.

The Wilshire 5000 Equity Index isused, because it includes over 7,000 securities and measures the performance of the publicly tradedstocks of U.S.-headquartered companies on which pricing data is available.

BrokerageFlex
Thisis a section of the Portfolio screen in which all of your institutionalself-directed brokerage accounts in your employer's qualifiedretirement plan are displayed. An account is considered institutionalif it is introduced to Fidelity through a financial intermediary suchas a Registered Investment Advisor or Third Party Administrator.

BrokerageLink
This is a Fidelity NetBenefits^® accountinvestment option that is available through some employers' plans.

The availability of Fidelity NetBenefits and the options and services available to you depend on the specific features of youremployer's plan.

If your NetBenefits account has theBrokerageLink investment option and you use it, a linkedbrokerage account maintained with Fidelity Brokerage Services LLC is funded with money from your NetBenefitsaccount. From this linked brokerage account, you can buy a variety of securities (e.g., stocks, bonds,mutual funds) depending on the type of plan and the plan provisions.

The BrokerageLink value that isdisplayed on the NetBenefits Account Balances screen is the market value of the linked brokerageaccount as of the date displayed.

Note:On the Portfolio screen, a BrokerageLink account islisted separately from a NetBenefits account with which it is linked and is displayed as anon-prototype (NONP) brokerage account.

Bronze Pricing
Fidelity's Bronze Level pricing is available to allcustomers. There is no minimum asset level or number of trades.

Butterfly
A butterfly spread is a multi-leg option strategy made up of all callsor all puts with three different strike prices. It is ratio spread witha 1:2:1 ratio. There are two types of butterflies long and short. LongButterfly spreads are established by purchasing a call/put at lowstrike price, selling 2 call/put at middle strike price, and thenbuying a call/put at highest strike price. Long butterflies aregenerally used by people who feel the underlying will trade in a narrowrange. This strategy has limited up and downside. Short Butterflyspreads are established by selling a call/put at low strike price,buying 2 call/put at middle strike price, and then selling a call/putat highest strike price. Short butterflies are generally used by peoplewho feel the underlying will move significantly. This strategy haslimited up and downside.

Buy
Refers to buying securities. Also refers to an analyst'srecommendation to buy a security.

Buy Side
In a multi-leg options transaction (or a combined stock and optionstrategy), this is the stock or option transaction that constitutesyour purchase, or buy. For example, in a covered call, where you buy astock and sell a covering option, the stock purchase would be the buyside.

Buy to Close
Closing of a short position in an option transaction.

Buy to Cover
Buying shares of a stock to offset a short position,a position for shares of a stock you sold but did not own.

Buy to Open
Opening of a long position in an option transaction.

Buy Write
A buy-write trade order is the simultaneous purchase of stock and thesale of covered call options for the same underlying security. Forexample (where XYZ is a fictitious trading symbol), selling 1 XYZ FEB65 call options and buying 100 shares of XYZ. To place a buy-writeorder, you must have an Option Agreement on file with Fidelity and beapproved for option trading level 1 or higher. Buy writes require aminimum of 1 contracts/100 shares.

Buying Power
Themaximum dollar amount available, including both cash and margin, topurchase marginable securities without adding money to your account.The balance includes open order commitments, intraday trade executions, and money movement into and out of the account.

• For Margin Trades
  The dollar amount available to purchase marginable securities without generating a margin call. The balance does not include cash held in the Core but does include intraday trade executions and money movement into and out of the account.
• For Cash Trades
  The amount available to purchase securities in a Cash account without adding money to the account. Executed Buy orders will reduce this value, and executed Sell orders will increase this value at the time the order executes.
• Intraday Buying Power
  This balance field only applies to Pattern Day Trade accounts. Unlike Day Trade Buying Power, this value does update intraday to reflect trade executions, money movement in and out of the account, core cash and buying power allocated to open orders.
• For Non-Margin Securities. Margin buying power available to purchase securities that are not marginable (have a 100% margin requirement).
• For Corporate Bonds. Margin buying power available to purchase Corporate Bonds. Most Corporate Bonds are marginable, however, margin requirements may vary based on the type of bond.
• For Municipal Bonds.  Margin buying power available to purchase Municipal Bonds.
• For Government Bonds
  Margin buying power available to purchase Government Bonds.

Buying Power Used
The dollar amount of Buying Power used on trades that have executed today and the amount  committed to ordersthat have  yet to be executed. You can reduce this value—in otherwords, increase your Buying Power—by cancelling or replacing open Buyor short sale orders or by transferring money into the account.

By
A drop-down list on the Symbol Lookup screen thatdisplays a list of criteria from which you can choose to lookup a symbol.

You can choose from:

• Security Name
• Trading Symbol
• CUSIP
• Fund Number