Fidelity Growth and Guaranteed Income®

Contracts purchased on or after 1/1/2009.

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The performance data featured represents past performance, which is no guarantee of future results. Investment returns and the principal value of a variable annuity will fluctuate; therefore, you may have a gain or loss when money is withdrawn or received. Fund performance fluctuates and currently may be significantly higher or lower than stated.

The Overall Morningstar Rating for a fund is derived from a weighted average of the performance figures associated with its three-, five-, and ten-year (if applicable) Morningstar Rating metrics, which are based on a risk-adjusted return. The top 10% of funds in each broad asset class receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars and the bottom 10% receive 1 star.

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Fidelity
Fund Name
(Symbol, Fund Num)
  
AS OF 09/30/2014 Expense
Ratio
Sub Account
Inception Date
  
MORNINGSTAR RATINGS (AS OF 09/30/2014)
  1 Year   3 Years   5 Years   10 Years Life 2 of
  Sub Account
Investment Category  Overall Ratings 
VIP FundsManager 60 (FNABC, 9262) +5.32% +10.42% +7.83% -- +3.29% 0.88% 09/04/2007 Moderate Allocation Morningstar Rating 3 stars 3
4768 Funds Rated
Exchange VIP FundsManager 60
VIP Balanced (FNAAC, 9261) +10.26% +14.35% +10.18% -- +4.79% 0.61% 09/04/2007 Moderate Allocation Morningstar Rating 4 stars 4
4768 Funds Rated
Exchange VIP Balanced
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MorningStar logoMorningstar data provided by Morningstar, Inc.

2012 Morningstar, Inc. All rights reserved. The Morningstar information contained herein; (1) is proprietary to Morningstar and/or its affiliates; (2) may not be copied or distributed; (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Fidelity does not review the Morningstar data and you should check the fund's current prospectus for the most up-to-date information concerning applicable loads, fees and expenses.

ANNUITY FUND PERFORMANCE:

  1. Returns reflect a 1.40% annual annuity charge applicable to contracts purchased on or after 1/1/2009 and issued with joint annuitants (as opposed to the 1.25% annual annuity charge applicable to contracts purchased on or after 1/1/2009 and issued with a single annuitant). Contracts purchased prior to 1/1/2009 are assessed a 1.25% annual annuity charge if issued with joint annuitants and a 1.10% annual annuity charge if issued with a single annuitant. See performance reflecting 1.25%. For periods of less than five years, it's assumed the owner surrenders the contract at the end of the applicable time period and the entire amount withdrawn is subject to the 2% Surrender Fee. Finally, certain funds have voluntary expense limits. Without these expense reimbursements, returns would have been lower.
  2. Returns for periods of less than one year are cumulative from the inception date indicated.

Performance returns reflect the subaccount inception, the date each portfolio was first available in the insurance company's variable product.

Total returns include changes in share price and reinvestment of dividends and capital gains.

Unless otherwise noted, returns are adjusted for all applicable recurring and non-recurring fees (including redemption fees), loads and charges, if any.

VIP refers to Variable Insurance Products.

Investments in the VIP Money Market Portfolio are neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the underlying fund seeks to preserve the value of investments at $1.00 per share, it is possible to lose money in this Portfolio.

Withdrawals of taxable amounts from an annuity are subject to ordinary income tax, and, if taken before age 59 1/2, may be subject to a 10% IRS penalty.