Fidelity Personal Retirement Annuity®

Contracts purchased prior to 1/1/2009 and on or after 9/7/2010.

1

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and the principal value of a variable annuity will fluctuate; therefore, you may have a gain or loss when money is withdrawn or received.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 06/30/2016 Expense
Ratio
Sub Account
Inception Date
  
MORNINGSTAR RATINGS (AS OF 07/31/2016)
  1 Year   3 Years   5 Years   10 Years Life 2 of
  Sub Account
Investment Category  Overall Ratings 
VIP Health Care (FPDRC, 9084) -13.31% +18.82% +18.00% +12.82% +11.66% 0.74% 08/15/2005 Health Morningstar Rating 5 stars 5
760 Funds Rated
Exchange VIP Health Care
VIP Growth Opportunities (FIDPC, 9068) -4.83% +10.20% +11.04% +7.25% +6.79% 0.75% 08/15/2005 Large Growth Morningstar Rating 3 stars 3
9129 Funds Rated
Exchange VIP Growth Opportunities
VIP Mid Cap (FNBSC, 9071) -5.50% +8.48% +7.63% +6.70% +7.40% 0.71% 08/15/2005 Mid-Cap Growth Morningstar Rating 4 stars 4
4288 Funds Rated
Exchange VIP Mid Cap
VIP Equity-Income (FLOLC, 9061) -0.14% +6.81% +9.08% +4.89% +5.19% 0.70% 08/15/2005 Large Value Morningstar Rating 4 stars 4
6518 Funds Rated
Exchange VIP Equity-Income
VIP FundsManager 60 (FMPPC, 9197) -0.73% +6.22% +5.90% -- +4.54% 0.88% 04/30/2008 Allocation--50% to 70% Equity Morningstar Rating 3 stars 3
6150 Funds Rated
Exchange VIP FundsManager 60
VIP Growth (FMNDC, 9062) -1.83% +11.86% +10.39% +7.17% +6.81% 0.72% 08/15/2005 Large Growth Morningstar Rating 4 stars 4
9129 Funds Rated
Exchange VIP Growth
VIP Energy (FJLLC, 9085) -6.94% -3.25% -2.26% +1.22% +3.51% 0.76% 08/15/2005 Equity Energy Morningstar Rating 4 stars 4
224 Funds Rated
Exchange VIP Energy
VIP Technology (FYENC, 9086) -2.73% +11.75% +8.46% +9.20% +8.85% 0.77% 08/15/2005 Technology Morningstar Rating 4 stars 4
775 Funds Rated
Exchange VIP Technology
VIP Index 500 (FXVLT, 9064) +3.67% +11.28% +11.73% +7.11% +6.93% 0.10% 08/15/2005 Large Blend Morningstar Rating 5 stars 5
7201 Funds Rated
Exchange VIP Index 500
VIP Growth & Income (FLFNC, 9070) -2.81% +7.79% +10.64% +6.12% +6.22% 0.66% 08/15/2005 Large Blend Morningstar Rating 4 stars 4
7201 Funds Rated
Exchange VIP Growth & Income
VIP FundsManager 70 (FMPCC, 9159) -1.65% +6.51% +6.26% +4.87% +4.46% 0.95% 05/01/2006 Allocation--70% to 85% Equity Morningstar Rating 4 stars 4
1878 Funds Rated
Exchange VIP FundsManager 70
VIP Dynamic Capital Apprec (FZAMC, 9074) -8.78% +9.00% +10.52% +6.50% +7.32% 0.78% 08/15/2005 Large Growth Morningstar Rating 4 stars 4
9129 Funds Rated
Exchange VIP Dynamic Capital Apprec
VIP Asset Manager: Growth (FAEEC, 9066) -6.53% +6.02% +5.25% +5.37% +5.07% 0.79% 08/15/2005 Allocation--70% to 85% Equity Morningstar Rating 4 stars 4
1878 Funds Rated
Exchange VIP Asset Manager: Growth
VIP Financial Services (FONNC, 9083) -7.13% +6.42% +8.15% -0.76% +0.08% 0.79% 08/15/2005 Financial Morningstar Rating 3 stars 3
255 Funds Rated
Exchange VIP Financial Services
VIP Investment Grade Bond (FTLKC, 9063) +5.02% +3.64% +3.54% +4.81% +4.39% 0.45% 08/15/2005 Intermediate-Term Bond Morningstar Rating 5 stars 5
4212 Funds Rated
Exchange VIP Investment Grade Bond
VIP Materials (FVMAC, 9172) -8.34% +3.02% +3.20% -- +5.90% 0.83% 04/30/2007 Natural Resources Morningstar Rating 4 stars 4
629 Funds Rated
Exchange VIP Materials
VIP FundsManager 85 (FMPDC, 9160) -2.57% +7.34% +6.90% +4.84% +4.37% 1.04% 05/01/2006 Allocation--85%+ Equity Morningstar Rating 5 stars 5
982 Funds Rated
Exchange VIP FundsManager 85
VIP Real Estate (FFWKC, 9072) +20.60% +12.59% +11.62% +7.18% +8.33% 0.75% 08/15/2005 Real Estate Morningstar Rating 4 stars 4
803 Funds Rated
Exchange VIP Real Estate
VIP Telecommunications (FVTAC, 9173) +14.71% +10.40% +9.97% -- +4.97% 0.95% 04/30/2007 Communications Morningstar Rating 5 stars 5
130 Funds Rated
Exchange VIP Telecommunications
VIP Consumer Staples (FCSAC, 9171) +17.94% +14.69% +14.38% -- +10.53% 0.77% 04/30/2007 Consumer Defensive Morningstar Rating 5 stars 5
79 Funds Rated
Exchange VIP Consumer Staples
VIP Strategic Income (FGDQC, 9075) +2.55% +3.18% +3.44% +5.75% +5.49% 0.72% 08/15/2005 Multisector Bond Morningstar Rating 5 stars 5
847 Funds Rated
Exchange VIP Strategic Income
VIP Value Strategies (FRBSC, 9073) -8.21% +6.08% +7.81% +5.79% +5.91% 0.75% 08/15/2005 Large Value Morningstar Rating 2 stars 2
6518 Funds Rated
Exchange VIP Value Strategies
VIP Investor Freedom Income (FBXOT, 9089) +1.02% +3.25% +3.21% +3.86% +3.80% 0.50% 08/15/2005 Target-Date Retirement Morningstar Rating 5 stars 5
45 Funds Rated
Exchange VIP Investor Freedom Income
VIP Value (FKMSC, 9079) -2.33% +8.78% +10.48% +5.71% +5.76% 0.83% 08/15/2005 Large Value Morningstar Rating 4 stars 4
6518 Funds Rated
Exchange VIP Value
VIP Investor Freedom 2020 (FTEMT, 9093) -1.48% +5.26% +5.49% +4.88% +5.05% 0.66% 08/15/2005 Target-Date 2020 Morningstar Rating 5 stars 5
191 Funds Rated
Exchange VIP Investor Freedom 2020
VIP Overseas (FEMMC, 9088) -11.83% +2.79% +1.59% +1.71% +3.02% 0.88% 08/15/2005 Foreign Large Growth Morningstar Rating 3 stars 3
1794 Funds Rated
Exchange VIP Overseas
VIP FundsManager 20 (FMPAC, 9157) +1.78% +3.57% +3.35% +3.79% +3.64% 0.63% 05/01/2006 Allocation--15% to 30% Equity Morningstar Rating 5 stars 5
603 Funds Rated
Exchange VIP FundsManager 20
VIP Investor Freedom 2005 (FBKQT, 9090) +0.17% +4.07% +4.13% +4.30% +4.32% 0.56% 08/15/2005 Target-Date 2000-2010 Morningstar Rating 5 stars 5
163 Funds Rated
Exchange VIP Investor Freedom 2005
VIP Disciplined Small Cap (FPRGC, 9148) -6.84% +7.75% +9.06% +5.69% +5.06% 0.93% 05/01/2006 Small Blend Morningstar Rating 4 stars 4
2425 Funds Rated
Exchange VIP Disciplined Small Cap
VIP High Income (FBBLC, 9060) -1.33% +2.79% +4.32% +5.67% +5.59% 0.71% 08/15/2005 High Yield Bond Morningstar Rating 4 stars 4
2220 Funds Rated
Exchange VIP High Income
VIP Investor Freedom 2015 (FTCMT, 9092) -1.06% +5.01% +5.24% +4.96% +5.06% 0.64% 08/15/2005 Target-Date 2015 Morningstar Rating 5 stars 5
113 Funds Rated
Exchange VIP Investor Freedom 2015
VIP Industrials (FBALC, 9082) +1.93% +9.61% +9.80% +8.75% +9.40% 0.77% 08/15/2005 Industrials Morningstar Rating 5 stars 5
79 Funds Rated
Exchange VIP Industrials
VIP Investor Freedom 2030 (FXJLT, 9095) -3.41% +5.96% +6.28% +4.97% +5.24% 0.73% 08/15/2005 Target-Date 2030 Morningstar Rating 5 stars 5
150 Funds Rated
Exchange VIP Investor Freedom 2030
VIP Utilities (FXRRC, 9087) +18.56% +12.56% +11.85% +8.27% +8.65% 0.79% 08/15/2005 Utilities Morningstar Rating 5 stars 5
544 Funds Rated
Exchange VIP Utilities
VIP Government Money Market (FTNJC, 9059)
7 Day Yield % -0.06
As of 08/23/2016
-0.17% -0.22% -0.20% +0.92% +1.16% 0.28% 08/15/2005 Money Market-Taxable -- Exchange VIP Government Money Market
VIP Emerging Markets (FEMAC, 9198) -5.57% +1.32% -2.13% -- -2.44% 1.15% 04/30/2008 Diversified Emerging Mkts Morningstar Rating 4 stars 4
1614 Funds Rated
Exchange VIP Emerging Markets
VIP Asset Manager (FLRQC, 9067) -3.43% +5.48% +4.87% +5.38% +5.15% 0.71% 08/15/2005 Allocation--50% to 70% Equity Morningstar Rating 4 stars 4
6150 Funds Rated
Exchange VIP Asset Manager
VIP Floating Rate High Income (FFLCC, 9361) +1.02% -- -- -- +1.41% 0.79% 04/30/2014 Bank Loan -- Exchange VIP Floating Rate High Income
VIP Investor Freedom 2010 (FCRJT, 9091) -0.48% +4.81% +5.08% +4.93% +4.91% 0.60% 08/15/2005 Target-Date 2000-2010 Morningstar Rating 5 stars 5
163 Funds Rated
Exchange VIP Investor Freedom 2010
VIP Balanced (FJBAC, 9069) +0.32% +8.11% +7.38% +6.41% +6.57% 0.59% 08/15/2005 Allocation--50% to 70% Equity Morningstar Rating 5 stars 5
6150 Funds Rated
Exchange VIP Balanced
VIP FundsManager 50 (FMPBC, 9158) -0.20% +5.44% +5.24% +4.68% +4.38% 0.82% 05/01/2006 Allocation--50% to 70% Equity Morningstar Rating 4 stars 4
6150 Funds Rated
Exchange VIP FundsManager 50
VIP Contrafund (FPDFC, 9065) -2.19% +9.81% +9.60% +6.56% +7.02% 0.71% 08/15/2005 Large Growth Morningstar Rating 4 stars 4
9129 Funds Rated
Exchange VIP Contrafund
VIP International Cap Apprec (FVJIC, 9076) -0.42% +8.01% +6.53% +3.97% +4.50% 1.07% 08/15/2005 Foreign Large Growth Morningstar Rating 4 stars 4
1794 Funds Rated
Exchange VIP International Cap Apprec
VIP Consumer Discretionary (FVHAC, 9081) -0.70% +10.57% +12.96% +8.63% +8.14% 0.78% 08/15/2005 Consumer Cyclical Morningstar Rating 4 stars 4
151 Funds Rated
Exchange VIP Consumer Discretionary
VIP Investor Freedom 2025 (FVIIT, 9094) -2.14% +5.91% +6.21% +5.26% +5.46% 0.69% 08/15/2005 Target-Date 2025 Morningstar Rating 5 stars 5
75 Funds Rated
Exchange VIP Investor Freedom 2025
Top
BlackRock
Fund Name
(Symbol, Fund Num)
  
AS OF 06/30/2016 Expense
Ratio
Sub Account
Inception Date
  
MORNINGSTAR RATINGS (AS OF 07/31/2016)
  1 Year   3 Years   5 Years   10 Years Life 2 of
  Sub Account
Investment Category  Overall Ratings 
Global Allocation V.I. Fund (FBMEC, 9347) -3.84% +3.31% -- -- +4.12% 1.02% 04/30/2012 World Allocation Morningstar Rating 4 stars 4
1878 Funds Rated
Exchange Global Allocation V.I. Fund
Top
Franklin Templeton
Fund Name
(Symbol, Fund Num)
  
AS OF 06/30/2016 Expense
Ratio
Sub Account
Inception Date
  
MORNINGSTAR RATINGS (AS OF 07/31/2016)
  1 Year   3 Years   5 Years   10 Years Life 2 of
  Sub Account
Investment Category  Overall Ratings 
U.S. Government Securities VIP Fund (FFMEC, 9348) +2.46% +1.87% -- -- +0.92% 0.75% 04/30/2012 Intermediate Government Morningstar Rating 5 stars 5
748 Funds Rated
Exchange U.S. Government Securities VIP Fund
Global Bond VIP Fund (FTMEC, 9349) -6.05% -0.65% -- -- +0.92% 0.77% 04/30/2012 World Bond Morningstar Rating 4 stars 4
1106 Funds Rated
Exchange Global Bond VIP Fund
Top
Invesco
Fund Name
(Symbol, Fund Num)
  
AS OF 06/30/2016 Expense
Ratio
Sub Account
Inception Date
  
MORNINGSTAR RATINGS (AS OF 07/31/2016)
  1 Year   3 Years   5 Years   10 Years Life 2 of
  Sub Account
Investment Category  Overall Ratings 
V.I. Global Core Equity (FIGXC, 9285) -5.34% +4.42% +3.26% -- +6.34% 1.06% 05/28/2010 World Stock Morningstar Rating 3 stars 3
3270 Funds Rated
Exchange V.I. Global Core Equity
Top
Lazard
Fund Name
(Symbol, Fund Num)
  
AS OF 06/30/2016 Expense
Ratio
Sub Account
Inception Date
  
MORNINGSTAR RATINGS (AS OF 07/31/2016)
  1 Year   3 Years   5 Years   10 Years Life 2 of
  Sub Account
Investment Category  Overall Ratings 
Retirement Emerging Markets Equity (FPRLC, 9147) -7.72% -2.03% -2.86% +4.33% +3.03% 1.15% 05/01/2006 Diversified Emerging Mkts Morningstar Rating 4 stars 4
1614 Funds Rated
Exchange Retirement Emerging Markets Equity
Top
Morgan Stanley
Fund Name
(Symbol, Fund Num)
  
AS OF 06/30/2016 Expense
Ratio
Sub Account
Inception Date
  
MORNINGSTAR RATINGS (AS OF 07/31/2016)
  1 Year   3 Years   5 Years   10 Years Life 2 of
  Sub Account
Investment Category  Overall Ratings 
Emerging Markets Equity (FPRNC, 9144) -9.21% -1.79% -2.50% +3.01% +1.72% 1.41% 05/01/2006 Diversified Emerging Mkts Morningstar Rating 4 stars 4
1614 Funds Rated
Exchange Emerging Markets Equity
Emerging Markets Debt (FPRMC, 9143) +6.89% +3.85% +4.03% +6.26% +5.80% 1.09% 05/01/2006 Emerging Markets Bond Morningstar Rating 5 stars 5
368 Funds Rated
Exchange Emerging Markets Debt
Global Strategist (FPRPC, 9146) -2.51% +2.60% +3.35% +2.24% +1.69% 1.47% 05/01/2006 Tactical Allocation Morningstar Rating 3 stars 3
929 Funds Rated
Exchange Global Strategist
Top
PIMCO
Fund Name
(Symbol, Fund Num)
  
AS OF 06/30/2016 Expense
Ratio
Sub Account
Inception Date
  
MORNINGSTAR RATINGS (AS OF 07/31/2016)
  1 Year   3 Years   5 Years   10 Years Life 2 of
  Sub Account
Investment Category  Overall Ratings 
PIMCO VIT Total Return (FPOBC, 9278) +4.12% +3.02% +3.11% -- +3.99% 0.65% 09/30/2009 Intermediate-Term Bond Morningstar Rating 5 stars 5
4212 Funds Rated
Exchange PIMCO VIT Total Return
PIMCO VIT Low Duration (FPMBC, 9276) +0.30% +0.94% +1.15% -- +2.03% 0.65% 09/30/2009 Short-Term Bond Morningstar Rating 5 stars 5
960 Funds Rated
Exchange PIMCO VIT Low Duration
PIMCO VIT CommodityRealReturn Strategy (FPMEC, 9346) -13.30% -11.01% -- -- -11.42% 1.06% 04/30/2012 Commodities Broad Basket Morningstar Rating 5 stars 5
409 Funds Rated
Exchange PIMCO VIT CommodityRealReturn Strategy
PIMCO VIT Real Return (FPNBC, 9277) +2.96% +1.46% +1.98% -- +3.68% 0.70% 09/30/2009 Inflation-Protected Bond Morningstar Rating 5 stars 5
873 Funds Rated
Exchange PIMCO VIT Real Return
Top

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 an annual annuity charge of 0.25%, the charge applicable to contracts purchased prior to 1/1/2009 and on or after 9/7/2010. 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.

You could lose money by investing in the Fidelity VIP Government Money Market Portfolio. Although the fund seeks to preserve the value of the investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Fidelity Investments and its affiliates, the fund's sponsor, have no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time.

The fund will not impose a fee upon the sale of its shares, nor temporarily suspend the ability to sell shares if the fund's weekly liquid assets fall below 30% of its total assets because of market conditions or other factors.

On December 1, 2015, Fidelity VIP Money Market changed its name to Fidelity VIP Government Money Market and will operate under certain different investment policies. The historical performance may not represent its current investment policies.

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.

ABOUT MORGAN STANLEY FUNDS: Morgan Stanley refers to Morgan Stanley Universal Institutional Funds Inc.

Prior to May 1, 2015, the Morgan Stanley Global Strategist Fund was known as Morgan Stanley Global Tactical Asset Allocation Fund.