NH International Index Portfolio

The investment objective of the International Index Portfolio is to provide investment results that correspond to the total return of foreign stock markets.

The underlying Fidelity index fund normally invests at least 80% of assets in common stocks included in the MSCI All Country World ex US Index which represents the performance of foreign stock markets. Geode Capital Management, LLC may lend the fund's securities to earn income for the fund.

The value of the underlying Fidelity index fund's domestic and foreign investments will vary from day to day in response to many factors. Stock values fluctuate in response to the activities of individual companies, and general market and economic conditions. Investments in foreign securities involve risks in addition to those of U.S. investments, including increased political and economic risk, as well as exposure to currency fluctuations. Generally, the underlying index fund neither engages in active trading nor assumes risk exposure greater than the index, which tends to result in lower expenses and volatility than an actively managed mutual fund investing in the same universe of securities. Portfolio unit price and value will vary, and you may have a gain or loss when you redeem your units.

The MSCI All Country World ex USA Index is a market capitalization-weighted index of stocks traded in global developed and emerging markets, excluding the United States. The Index is designed to measure equity market performance in global developed and emerging markets, excluding the United States and excludes certain market segments unavailable to U.S. based investors.

This investment option is not a mutual fund.