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Great opportunity ahead.Here are the details on your upcoming move to the

Oracle Corporation 401(k) Savings and Investment Plan

Plan Ahead for the Blackout Period and the Transition to Fidelity Investments In order to ensure that all information is transferred accurately from your current Sun 401(k) Plan account at J.P. Morgan to your new Oracle 401(k) Plan account at Fidelity, there will be a period of time when you will be unable to transact in your individual Sun 401(k) Plan account. This time during which you will be unable to exercise your rights otherwise available under the Plan is called a “Blackout Period.” The Blackout Period for all Plan transactions begins at 4:00 p.m. ET on June 15, 2010, and is scheduled to end the week of July 5, 2010. During this period you will have lim-ited access to perform transactions in your account.

Whether or not you are planning retirement in the near future, we encourage you to carefully consider how this Blackout Period may affect your retirement planning and overall financial plan. If you do have questions about the status of the transfer, please contact Fidelity at 800-410-2363 to get an update.

To request exchanges between investment options or balance inquiries or to request a withdrawal prior to the Blackout Period, contact J.P. Morgan at 888-843-6630. The last day to make Plan investment changes, balance verifications or withdrawal requests is 4:00 p.m. ET on June 15, 2010.

We are pleased to announce the transition of the Sun Microsystems, Inc. Tax Deferred Retirement Savings Plan to the Oracle Corporation 401(k) Savings and Investment Plan at Fidelity Investments. This guide will provide you with important information regarding the transition of the Sun 401(k) Plan to Fidelity along with descriptions of the services available to you once the transition is complete. For your convenience, we have established a dedicated website addressing many of your questions and concerns regarding the transition. Please visit the site at https://401k.fidelity.com/public/content/401k/Transition/oracle.

Important Notice Concerning Your Rights Under the Sun Microsystems, Inc. Tax Deferred Retirement Savings Plan. This notice is to inform you that the Sun 401(k) Plan will be transitioning to the Oracle Corporation 401(k) Savings and Investment Plan with Fidelity Investments.

Oracle Corporation 401(k) Savings and Investment Plan

A GUIDE TO YOUR PLAN transition

https://401k.fidelity.com/public/content/401k/Transition/oracle

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EducaTiOnal OPPOrTuniTyFor more information about your new and existing investment Options:A self-paced on-demand workshop has been recorded for your convenience. This presentation will give you more information about asset allocation and preparing for retirement. To view this presentation, please visit http://www.brainshark.com/fidelityemg/oracle/zFczGlF0dzFWqz0

Transfer of Investment OptionsUntil the close of business, generally 4:00 p.m. ET, on June 22, 2010, your balances will continue to be reflected in the current investment Options list-ed in the chart on the next page in the Sun 401(k) Plan. On June 23, 2010, the balances in your cur-rent investment Options in your Sun 401(k) Plan account are scheduled to transfer to the new investment Options, as selected by Oracle, listed on the following chart for the Oracle 401(k) Plan. Please review the mapping chart on the next page to see how your Sun 401(k) balances will transfer

to the new investment options within the Oracle 401(k) at Fidelity. If you do not want your invest-ments to transfer as shown, you must make an exchange in your current Sun 401(k) Plan account before the Blackout Period begins at 4:00 p.m. ET on June 15, 2010. You can request an exchange by contacting J.P. Morgan at 888-843-6630 or via www.sunretirement.com. Keep in mind, you will have the ability to make exchanges within your new Oracle 401(k) Plan at any time following the completion of the transition.

https://401k.fidelity.com/public/content/401k/Transition/Oracle

http://www.brainshark.com/fidelityemg/oracle/zFCzGlF0DzFWqz0

www.sunretirement.com

current investment Options — Sun 401(k) ➤ new investment Options — Oracle 401(k)

Dwight Stable Value Fund ➤ Galliard Stable Value Fund

Vanguard® Target Retirement Income Fund ➤ Vanguard® Target Retirement Income Trust I

Vanguard® Target Retirement Fund 2005 ➤ Vanguard® Target Retirement 2005 Trust I










PIMCO Total Return Fund – Institutional Class ➤ PIMCO Total Return Fund – Institutional Class

Western Asset Core Bond Portfolio – Institutional Class

➤ PIMCO Total Return Fund – Institutional Class

Mapping of investment Options

QuESTiOnS?For more information or if you have any questions, please call Fidelity at 800-410-2363, Monday through Friday (excluding New York Stock Exchange holidays), from 8:00 a.m. to 5:00 p.m. ET to speak with a representative. To contact J.P. Morgan, please call 888-843-6630 from 8:00 a.m. to 9:00 p.m. ET.

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current investment Options — Sun 401(k) ➤ new investment Options — Oracle 401(k)

Vanguard Balanced Index – Institutional Class ➤ 40% Vanguard Total Bond Market Index Fund – Institutional Plus Shares60% Vanguard Institutional Index Fund – Institutional Plus Shares

Vanguard Institutional Index Fund – Institutional Plus Shares

➤ Vanguard Institutional Index Fund – Institutional Plus Shares

Wells Fargo Advantage Small Cap Growth I ➤ TCM Small-Mid Cap Growth

Turner Mid Cap Growth Investor ➤ TCM Small-Mid Cap Growth

Hotchkis & Wiley Mid Cap Value I ➤ Perkins Mid Cap Value Fund – Class I Shares

Neuberger Berman Genesis – Institutional ➤ Fidelity Low-Priced Stock Fund – Class K

Longleaf Partners Fund ➤ Dodge & Cox Stock Fund

Sound Shore Fund ➤ Dodge & Cox Stock Fund

Fidelity Contrafund® ➤ Fidelity Contrafund® – Class K

Goldman Sachs Strategic Growth Institutional ➤ Fidelity Growth Company Fund – Class K

Dodge & Cox International Stock Fund ➤ Dodge & Cox International Stock Fund

Fidelity Diversified International* ➤ 50% Artisan International Fund – Investor Class

50% Dodge & Cox International Stock Fund

Allianz RCM Technology Institutional ➤ Fidelity Growth Company Fund – Class K

The reallocation of assets depends on the timely liquidation of those assets and a delivery of assets from J.P. Morgan. A delay in liquidation may result in a change to the above noted dates.

During the Blackout Period you will be unable to direct or diversify the assets held in your Sun 401(k) Plan account. For this reason, it is very important that you review and consider the appropriateness of your current investments in light of your inability to direct or diversify those investments during the Blackout Period. For your long-term retirement security, you should give careful consideration to the importance of a well balanced and diversified investment portfolio, taking into account all your assets, income, and investments. You should be aware that there is a risk to holding substantial portions of your assets in the securities of any one company, as individual securities tend to have wider price swings, up and down, in short periods of time, than investments in diversified funds. Stocks that have wide price swings might have a large loss during the Blackout Period, and you would not be able to direct the sale of such stocks from your account during the Blackout Period.

Mapping of investment Options, continued

* There is a short-term trading fee of 1% for shares held less than 30 days. Please note that if you transfer assets into this fund within 30 days of the transition or have loan repayments within 30 days of the transition, you may incur this short-term trading fee.


date Plan activities

June 15, 2010 4:00 p.m. ET

Last day to request an exchange between investment options within your Sun 401(k) account at J.P. Morgan. After this date, you cannot request an exchange between investment options until after the Blackout Period ends (sometime during the week of July 5, 2010).

June 15, 2010 4:00 p.m. ET

Last day to request a loan and/or withdrawal/distribution within your Sun 401(k) account at J.P. Morgan. After this date, you cannot request a loan or withdrawal (as allowed in the Plan) until after the Blackout Period ends (sometime during the week of July 5, 2010).

June 15, 2010 4:00 p.m. ET

Last day of crediting of loan payoffs within your Sun 401(k) account at J.P. Morgan. After this date, loans cannot be repaid until after the Blackout Period ends (sometime during the week of July 5, 2010). Once the transition has been completed, please contact Fidelity at 800-410-2363 for loan payoff details.

June 15, 2010 4:00 p.m. ET

Last day to initiate trades within your Brokerage account within your Sun 401(k) account at J.P. Morgan. After this date, activity in your Brokerage account will be frozen until the transition has been completed (sometime during the week of July 5, 2010). Once the transition has been completed, trading activity in your new Fidelity BrokerageLink® account within the Oracle 401(k) may resume provided enrollment paperwork has been received by Fidelity and deemed to be in good order.

June 23, 2010 The Plan balances valued as of June 22, 2010, are scheduled to be transferred and mapped to the new investment options (see Mapping of Investment Options noted previously).

Week of July 5, 2010 (once transition is complete)

A new statement for your Oracle 401(k) may be requested from Fidelity Investments at 800-410-2363 or via your NetBenefits® (www.401k.com) account access.

Week of July 5, 2010 The new Oracle 401(k) Plan is scheduled to open for full services.

You can now:

• Request exchanges (transfers) among investment options

• Review your account balances

• Request a withdrawal/distribution (as allowed by the Plan)

Mid- to Late July, 2010 A final statement from your Sun Microsystems, Inc. Tax Deferred Retirement Savings Plan to be mailed to you from J.P. Morgan.

The effective date of plan changes at the end of the Blackout Period depends upon the accurate, timely transfer of data. If this does not occur, the delivery of services and investment options described here could be delayed.

Your Plan provides you the ability to exercise voting, tender, and similar rights for the mutual funds in which you are invested through the plan. Materials related to the exercise of these rights will be sent to you at the time of any proxy meeting, tender offer, or similar rights relating to the particular mutual funds held in your account.

The company has appointed Fidelity to provide additional information on the investment options available through the Plan.

You may also obtain an account statement through Fidelity upon request.

calendar of EventsPlease review the calendar of events so that you can understand how account activities will be affected during the Blackout Period. This calendar will help you plan for any transactions that you would like to make before the Blackout Period begins.

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Brokerage Account InformationIf you have a Brokerage account under the Sun Microsystems, Inc. Tax Deferred Retirement Savings Plan and you have already opened a new Brokerage account with Fidelity through your new Oracle 401(k) Plan, no additional action is required of you. If you have not opened up a new account or if you are no longer a Sun or Oracle employee, please contact Fidelity to request a Fidelity BrokerageLink® application packet.

Should you not have a Brokerage account in place within the Oracle 401(k) as of June 23, 2010, your Brokerage assets within the Sun 401(k) will transition to the Oracle 401(k) although future trading will be restricted until you have returned the necessary enrollment paperwork.

Further, you may have assets in your Sun 401(k) Brokerage Account that may be restricted or not allowed in your new Fidelity BrokerageLink® account within the Oracle 401(k). Those assets will not be able to be moved over in kind. You will be contacted separately if this situation applies to you.

Loans If you had a preexisting loan with the Sun Microsystems, Inc. Tax Deferred Retirement Savings Plan and you are cur-rently an active employee with Oracle, your loan balance will transfer over and your current loan repayments will now continue into the Oracle 401(k) Plan.

Alternatively, if you have an outstanding loan and had previ-ously separated service with Sun/Oracle and currently have bank account information listed with your Sun 401(k) Plan for monthly automated loan deductions, that information will also transfer over to Fidelity and monthly loan payments will continue via ACH into your Oracle 401(k) Plan until the loan is paid in full. Given the timing of the transition, there will be no loan payment occurring on June 15, 2010. Your last loan payment prior to the transition will occur on or about May 15, 2010, and will fund your Sun 401(k) Plan account. your first new loan deduction under the Oracle 401(k) Plan will occur on or about July 15, 2010.

To inquire about your Sun 401(k) loan before June 15, 2010, please contact J.P. Morgan and then after the Plan transition, please contact Fidelity. Should you separate service with Oracle prior to the Plan transition and wish to set up ACH payments for your loan, please contact J.P. Morgan prior to June 9, 2010. Otherwise, please call Fidelity after the Plan transition is complete.

Additional Information in Regards to Your Oracle Corporation 401(k) Savings and Investment Plan


Beneficiary InformationIt is very important to keep your beneficiary information up to date. Please note that your current beneficiary information under the Sun 401(k) WILL NOT carry forward. You may need to update your beneficiary information per one of the three classifications below:

For current Oracle employees: If you are a current Oracle employee, your current Oracle 401(k) beneficiary designation will remain in place. You may review your 401(k) beneficiary information at www.oraclebenefits.com, and you may elect or make changes to your beneficiary information at any time.

For former Oracle employees with a current Oracle 401(k) account: If you are a former Oracle employee and still have an Oracle 401(k) account balance, your current beneficiary election will remain in place. To elect or make changes to your beneficiary information, please visit Fidelity NetBenefits® at www.401k.com - Oracle Corporation 401(k): 35004 - Plan Information and Documents - Oracle 401k Forms. If you need to fill out or make changes to the form, return it to: Oracle Benefits, 500 Oracle Parkway, M/S 5OP8, Redwood Shores, CA 94065.

Should you be a former Oracle employee who does not have a current Oracle 401(k) account balance, or should you never have been employed by Oracle, you will need to complete a beneficiary election form. To do so following the plan transi-tion, please visit Fidelity NetBenefits® at www.401k.com - Oracle Corporation 401(k): 35004 - Plan Information and Documents - Oracle 401k Forms. If you need to fill out or make changes to the form, return it to: Oracle Benefits, 500 Oracle Parkway, M/S 5OP8, Redwood Shores, CA 94065.

Should you not have a valid beneficiary designation in place, or if no validly designated beneficiary survives you, your beneficiary will be the survivor(s) in the first surviving class in equal shares among the following:

1. Your surviving spouse;

2. Your surviving children;

3. Your surviving parents;

4. Your surviving brothers and sisters; and

5. Your estate.

Accessing Your Account and Account Information at Fidelity You have access to your new Oracle 401(k) plan information via Fidelity NetBenefits® at www.401k.com and through Fidelity’s Participant Phone Representatives at 800-410-2363.

if you call Fidelity or log on to netBenefits for the first time, you will need to set up a personal identification number (Pin). To do so simply log on to www.401k.com and enter the following information:

• First name

• Last name

• Social Security number

• Birth date (mm/dd/yyyy)

• Zip code

• Customer ID

• Security question

• PIN—six- to 12-digit number

If you already have a Fidelity account, you can use the same access information to access your Oracle 401(k) Plan.

QuESTiOnS?For more information or if you have any questions, please call Fidelity at 800-410-2363, Monday through Friday (excluding New York Stock Exchange holidays), from 8:00 a.m. to 5:00 p.m. ET to speak with a representative. To contact J.P. Morgan, please call 888-843-6630 from 8:00 a.m. to 9:00 p.m. ET.

www.oraclebenefits.com

www.401k.com

www.401k.com

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Stable Value

Galliard Stable Value Fund

FPrS code: GDLR

category: Stable Value

What it is: A stable value separate account managed exclusively for the Oracle Corporation 401(k) Savings and Investment Plan.

Goal: The Galliard Stable Value Fund is a conservative investment option that seeks to provide safety of principal and a stable credited rate of interest, while generating competitive returns over time compared to other conservative investments, such as money market funds.

What it invests in: The Fund is primarily comprised of investment contracts issued by financial institutions and other eligible stable value investments. All contract issuers and securities utilized in the portfolio are rated investment grade by one of the Nationally Recognized Statistical Rating Organizations (NRSRO) at time of purchase. The types of investment contracts in which the Fund invests include Security Backed Investment Contracts (book value wrappers), which seek to provide participants with safety of principal and accrued interest as well as a stable crediting rate.

Footnotes: Managed by Galliard Capital Management, which provided the description for this fund.

Bond

PiMcO Total return Fund—institutional class

FPrS code: OF1P

Ticker: PTTRX

category: Bond

What it is: A bond mutual fund.

Goal: Seeks to provide maximum total return, consistent with preservation of capital and prudent investment management.

What it invests in: All types of bonds, including U.S. government, corporate, mortgage and foreign. While the fund main-tains an average portfolio duration of three to six years (approximately equal to an average maturity of five to 12 years), investments may also include short- and long-maturity bonds. Duration estimates how much a bond’s price fluctuates with changes in comparable interest rates. Other factors can also influence a bond fund’s performance and share price. In general, the bond market is volatile; bond prices rise when interest rates fall, and vice versa. This effect is usually more pronounced for longer-term securities. Share price, yield, and return will vary.

Footnotes: Managed by Pacific Investment Management Company, which provided the description for this fund.

Oracle Corporation 401(k) Plan Core Fund Options Information


Vanguard Total Bond Market index Fund—institutional Plus Shares

FPrS code: OURM

Ticker: VBMPX

category: Bond

What it is: A bond mutual fund.

Goal: The Fund seeks to track the performance of a broad, market-weighted bond index.

What it invests in: The Fund employs a “passive management” — or indexing — investment approach designed to track the performance of the Barclays Capital U.S. Aggregate Float Adjusted Index. This Index represents a wide spectrum of public, investment-grade, taxable, fixed income securities in the United States — including government, corporate, and international dollar-denominated bonds, as well as mortgage-backed and asset-backed securities — all with maturities of more than one year. The Fund invests by sampling the Index, meaning that it holds a broadly diversified collection of securities that, in the aggregate, approximates the full Index in terms of key risk factors and other characteristics. All of the Fund’s investments will be selected through the sampling process, and at least 80% of the Fund’s assets will be invested in bonds held in the Index. Fixed income investments entail interest rate risk (as interest rates rise, bond prices usually fall), the risk of issuer default, issuer credit risk and infla-tion risk. Investments in mortgage securities are subject to prepayment risk, which can limit gains due to declining interest rates, and increase losses due to rising rates. Share price, yield and return will vary. For additional information on the fund and what it may invest in, please consult the pro-spectus for the Fund.

Footnotes: Managed by The Vanguard Group, Inc. This fund description was derived from the prospectus for the Fund.

The Barclays Capital U.S. Aggregate Float Adjusted Index measures the total universe of public, investment-grade, taxable, fixed income securities in the United States — including government, corporate, and international dollar-denominated bonds, as well as mortgage-backed and asset-backed securities — all with maturities of more than one year.

Balanced/HybridFidelity Balanced Fund—class K

FPrS code: 2077

Ticker: FBAKX

category: Balanced/Hybrid

What it is: A balanced mutual fund.

Goal: Seeks to provide income and capital growth consistent with reasonable risk.

What it invests in: Primarily invests 60% of its assets in stocks and other equity securities, and the remainder in bonds and other debt securities, including lower-quality debt securities, when the outlook for the markets is neutral. Lower-quality debt securities involve greater risk of default or price changes due to potential changes in the credit quality of the issuer. The fund will invest at least 25% of its assets in fixed income senior securities (including debt securities and preferred stocks). The fund may invest in securities of domestic and foreign issuers. Share price and return will vary.

Footnotes: Initial offering of the retirement (K) class took place on May 9, 2008. Returns and expenses prior to that date are those of the non-K, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher.

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domestic Equitylarge Valuedodge & cox Stock Fund

FPrS code: OMAW

Ticker: DODGX

category: Domestic Equities—Large Value

What it is: A domestic equity mutual fund.

Goal: Seeks to provide long-term growth of principal and income. A secondary objective is to provide reasonable current income.

What it invests in: Primarily invests in a broadly diversified portfolio of common stocks. In selecting investments, the fund invests in companies that appear to be temporarily undervalued by the stock market but have a favorable outlook for long-term growth. The fund focuses on the underlying financial condition and prospects of individual companies, including future earnings, cash flow and dividends. Companies are also selected with an emphasis on financial strength and sound economic condition. Share price and return will vary.

Footnotes: Managed by Dodge & Cox, which provided the description for this fund.

Mid ValuePerkins Mid cap Value Fund—class i Shares

FPrS code: OUDO

Ticker: JMVAX

category: Domestic Equities—Mid Value


Goal: Seeks capital appreciation.

What it invests in: The Fund pursues its investment objective by investing primarily in common stocks selected for their capital appreciation potential. The Fund primarily invests in the common stocks of mid-sized compa-nies whose stock prices the portfolio managers believe to be undervalued. The Fund invests, under normal circumstances, at least 80% of its assets in equity securities of companies whose market capitalization falls, at the time of purchase, within the 12-month average of the capitalization range of the Russell Midcap Value Index. Within the parameters of its specific investment policies, the Fund may invest in foreign equity and debt securities, which may include investments in emerging markets. Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Value stocks can perform dif-ferently than other types of stocks and can continue to be undervalued by the market for long periods of time. Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of which are magnified in emerging markets. Share price and return will vary. For additional information on the fund and what it may invest in, please consult the prospectus for the Fund.

Footnotes: Managed by Janus Capital Management LLC. This fund description was derived from the prospectus for the Fund.

The Russell Midcap® Value Index is an unmanaged market capitalization-weighted index of medium-capitalization value-oriented stocks of U.S. domiciled companies that are included in the Russell Midcap Index. Value-oriented stocks tend to have lower price-to-book ratios and lower forecasted growth values.


Small Valueartisan Small cap Value Fund

FPrS code: OMGX

Ticker: ARTVX

category: Domestic Equities—Small Value

What it is: Artisan Small Cap Value Fund is a diversified equity portfolio that pursues long-term capital growth through investment in small company stocks that it believes are undervalued and offer an adequate margin of safety.

Goal: Seeks to provide long-term capital growth.

What it invests in: Primarily invests in companies with a market capitalization of less than $1.2 billion. From among them, the fund looks for stocks that are significantly underpriced in the marketplace. The fund gener-ally finds such opportunities in turnaround situations, undiscovered or unsponsored stocks, compa-nies with hidden assets and companies in process of internal change. From among these undervalued companies, the fund looks for those firms that provide an additional margin of safety. It does so through in-depth financial analysis, looking specifically for financial strength and favorable corporate economics. To further limit risk, the fund is normally diversified across 60 to 100 stocks, with no individual holding typically exceeding 5% of net assets. Small-cap value investments can present additional risks, including a shorter history of operations, higher volatility and less liquidity. Invest-ments in smaller companies may involve greater risks than those of larger, more well-known compa-nies. Share price and return will vary.

Footnotes: Managed by Artisan Partners Limited Partnership, which provided the description for this fund.

large BlendFidelity disciplined Equity Fund—class K

FPrS code: 2081

Ticker: FDEKX

category: Domestic Equities—Large Blend

What it is: A growth mutual fund.

Goal: Seeks to provide capital growth.

What it invests in: Primarily invests at least 80% of its assets in common stocks. The manager seeks to reduce the impact of industry weightings on the fund’s performance relative to the S&P 500® Index. The fund may invest in securities of domestic and foreign issuers. Share price and return will vary.

Footnotes: The S&P 500® Index is a registered service mark of The McGraw-Hill Companies, Inc., and has been licensed for use by Fidelity Distributors Corporation and its affiliates. It is an unmanaged index of the common stock prices of 500 widely held U.S. stocks that includes the reinvestment of dividends.

Initial offering of the retirement (K) class took place on May 9, 2008. Returns and expenses prior to that date are those of the non-K, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher.

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Vanguard institutional index Fund—institutional Plus Shares

FPrS code: OMMW

Ticker: VIIIX

category: Domestic Equities—Large Blend

What it is: A large-cap blend fund.

Goal: Seeks long-term growth of capital and income from dividends.

What it invests in: The fund employs a “passive management” or indexing approach to track the performance of the Standard & Poor’s 500 Index, a widely recognized benchmark of U.S. stock market performance that is dominated by the stocks of large U.S. companies. The fund attempts to replicate the index by investing all, or substantially all, of its assets in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index. Its management does not specu-late on the direction of the index. Share price and return will vary.

Footnotes: Managed by Vanguard’s Quantitative Equity and Fixed Income Groups, and distributed by Vanguard Marketing Corporation, which provided the description for this fund.

The S&P 500® Index is a registered service mark of The McGraw-Hill Companies, Inc., and has been licensed for use by Fidelity Distributors Corporation and its affiliates. It is an unmanaged index of the common stock prices of 500 widely held U.S. stocks that includes the reinvestment of dividends.

Mid BlendFidelity low-Priced Stock Fund—class K

FPrS code: 2095

Ticker: FLPKX

category: Domestic Equities—Mid Blend


Goal: Seeks to provide capital appreciation.

What it invests in: Primarily invests at least 80% of its assets in low-priced stocks (those priced at or below $35 per share), which can lead to investments in small and medium-sized companies. The fund may potentially invest in stocks not considered low-priced. Investments in smaller companies may involve greater risk than those of larger, more well-known companies. The fund may invest in securities of domestic and foreign issuers. The fund may invest in “growth” or “value” stocks, or both. If you sell any of your shares after holding them for less than 90 days, the fund will deduct a short-term trading fee from your account equal to 1.5% of the value of the shares sold. Share price and return will vary.



Vanguard Extended Market index Fund—institutional Shares

FPrS code: OSID

Ticker: VIEIX

category: Domestic Equities—Mid Blend


Goal: Seeks to track the performance of a benchmark index that measures the investment return of small- and mid-capitalization stocks.

What it invests in: The fund employs a “passive management”— or indexing — investment approach designed to track the performance of the Standard & Poor’s Completion Index, a broadly diversified index of stocks of small and medium-size U.S. companies. The Standard & Poor’s Completion Index contains all of the U.S. common stocks regularly traded on the New York and American Stock Exchanges, and the Nasdaq over-the-counter market, except those stocks included in the Standard & Poor’s 500 Index. The fund invests all, or substantially all, of its assets in stocks of its target index, with nearly 80% of its assets invested in the 1,200 largest stocks in its target index (covering nearly 80% of the index’s total market capitalization), and the rest of its assets in a representative sample of the remaining stocks. The fund holds a broadly diversified collection of securities that, in the aggregate, approxi-mates the full index in terms of key characteristics. These key characteristics include industry weight-ings and market capitalization, as well as certain financial measures such as price/earnings ratio and dividend yield. Investments in mid-sized companies may involve greater risks than those in larger, more well known companies, but may be less volatile than investments in smaller companies. Share price and return will vary.

Footnotes: Managed by The Vanguard Group and distributed by Vanguard Marketing Corporation, which provided the description for this fund.

The Standard & Poor’s Completion Index is a broadly diversified index of stocks of small and medium-size U.S. companies. The Index contains all of the U.S. common stocks regularly traded on the New York and American Stock Exchanges and the Nasdaq over-the-counter market, except those stocks included in the Standard & Poor’s 500 Index.

large GrowthFidelity Growth company Fund—class K

FPrS code: 2090

Ticker: FGCKX

category: Domestic Equities—Large Growth



What it invests in: Normally invests primarily in common stocks. The fund invests in companies that the manager believes have above-average growth potential. The fund may invest in domestic and foreign issuers. Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Foreign securities are subject to interest rate, currency exchange rate, economic and political risks. Share price and return will vary. For additional information on the fund and what it may invest in, please consult the prospectus for the fund.

Footnotes: Managed by Fidelity Management & Research Company. This fund description was derived from the prospectus for the fund.

Initial offering of the retirement (K) class took place on May 9, 2008. Returns and expenses prior to that date are those of the non-K, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher.

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Fidelity Contrafund®—class K

FPrS code: 2080

Ticker: FCNKX

category: Domestic Equities—Large Growth



What it invests in: Primarily invests in common stocks. The fund may invest in securities of domestic and foreign issuers whose value the fund’s manager believes is not fully recognized by the public. The fund may invest in “growth” or “value” stocks, or both. Share price and return will vary.


Small/Mid GrowthTcM Small-Mid cap Growth Fund

FPrS code: OLEV

Ticker: TCMMX

category: Domestic Equities—Mid Growth


Goal: The fund seeks long-term capital appreciation.

What it invests in: Under normal market conditions, the Fund invests at least 80% of its net assets in stocks of small to medium capitalization companies. Most of the Fund’s assets will be invested in U.S. common stocks that the Advisor expects will experience long-term, above-average earnings growth. This fund may at times invest a significant portion of its assets (greater than 25%) in stocks of technology companies, representing various unrelated technology industries. The Fund may also invest in securities convert-ible into or exercisable for stock, certain derivative instruments, and American Depositary Receipts (ADRs). The Fund may also invest in equity securities of foreign issuers when consistent with the Fund’s investment objective. Investments in smaller companies may involve greater risks than those in larger, more well known companies. Foreign investments, especially those in emerging markets, involve greater risk and may offer greater potential returns than U.S. investments. This risk includes political and economic uncertainties of foreign countries, as well as the risk of currency fluctuation. Share price and return will vary.

Footnotes: Managed by Tygh Capital Management, Inc., which provided the description for this fund.


international Equitiesartisan international Fund—investor class

FPrS code: OFZQ

Ticker: ARTIX

category: International/Global

What it is: A growth mutual fund that invests internationally.

Goal: Seeks maximum long-term growth of capital.

What it invests in: A diversified equity portfolio of international growth companies regardless of market capitalization, concentrating on industries or themes that the fund manager believes present accelerating growth prospects. Securities purchased are generally those believed to offer the most compelling potential earnings growth relative to their valuation. Portfolio emphasizes developed markets but may invest in emerging markets, and is constructed without regard to index weightings. Foreign investments, especially those in emerging markets, may involve greater risks and may offer greater potential returns than U.S. investments. These risks include political and economic uncertainties of foreign countries, as well as the risk of currency fluctuations. There is a short-term trading fee of 2% on shares held 90 days or less. Share price and return will vary.

Footnotes: Managed by Artisan Partners Limited Partnership, which provided the description for this fund.

dodge & cox international Stock Fund

FPrS code: OSAD

Ticker: DODFX


What it is: A mutual fund that invests internationally.

Goal: Seeks to provide long-term growth of principal and income.

What it invests in: Primarily invests in a diversified portfolio of equity securities issued by non-U.S. companies from at least three different foreign countries, including emerging markets. The fund focuses on countries whose economic and political systems appear more stable and are believed to provide some protec-tion to foreign shareholders. The fund invests primarily in medium-to-large well established compa-nies based on standards of the applicable market. Foreign investments, especially those in emerging markets, involve greater risk and may offer greater potential returns than U.S. investments. This risk includes political and economic uncertainties of foreign countries, as well as the risk of currency fluc-tuations. Share price and return will vary.

Footnotes: Managed by Dodge & Cox, which provided the description for this fund.

Fidelity Worldwide Fund

FPrS code: 0318

Ticker: FWWFX


What it is: A growth mutual fund that invests globally, including in the U.S.

Goal: Seeks to provide capital growth.

What it invests in: Primarily invests in securities issued anywhere in the world. The fund normally invests primarily in common stocks. Foreign investments, especially those in emerging markets, involve greater risk and may offer greater potential returns than U.S. investments. This risk includes political and economic uncertainties of foreign countries, as well as the risk of currency fluctuation. If you sell any of your shares after holding them for less than 30 days, the fund will deduct a short-term trading fee from your account equal to 1% of the value of the shares sold. Share price and return will vary.

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Spartan® international index Fund—investor class

FPrS code: 0399

Ticker: FSIIX


What it is: An international growth fund.

Goal: Seeks to provide investment results that correspond to the total returns of foreign stock markets.

What it invests in: Normally invests at least 80% of its assets in common stocks included in the Morgan Stanley Capital International Europe, Australasia, Far East Index (MSCI EAFE® Index), which represents the per-formance of developed stock markets outside the United States and Canada. Foreign investments, especially those in emerging markets, involve greater risk and may offer greater potential returns than U.S. investments. This risk includes political and economic uncertainties of foreign countries, as well as the risk of currency fluctuation. If you sell any of your shares after holding them for less than 90 days, the fund will deduct a short-term trading fee from your account equal to 1% of the value of the shares sold. Share price and return will vary.

Footnotes: The EAFE Index (Morgan Stanley Capital International Europe, Australasia, Far East Index) is an unmanaged index and includes the reinvestment of dividends. It is designed to represent the performance of developed stock markets outside the United States and Canada. The EAFE is a registered service mark of Morgan Stanley and Co., Inc., and has been licensed for use by FMR LLC. The fund is neither sponsored by nor affiliated with Morgan Stanley.

Emerging Marketslazard Emerging Markets Equity Portfolio—institutional Shares

FPrS code: OF7F

Ticker: LZEMX

category: International/Global—Emerging Markets

What it is: An international/global mutual fund that invests in emerging markets.

Goal: Seeks long-term capital appreciation.

What it invests in: The portfolio normally invests at least 80% of its assets in equity securities of companies whose prin-cipal business activities are located in emerging market countries, with a focus on Latin America, the Pacific Basin and Eastern Europe. Foreign investments, especially those in emerging markets, involve greater risk and may offer greater potential returns than U.S. investments. These risks include politi-cal and economic uncertainties of foreign countries, as well as the risk of currency fluctuations. There is a short-term trading fee of 1% on shares held 30 days or less. Share price and return will vary.

Footnotes: Managed by Lazard Asset Management, which provided the description for this fund.


company StockOracle Stock Fund

FPrS code: TCOR

category: Company Stock

What it is: A fund that pools your money with that of other employees to buy shares of stock in your employer or its affiliate and an amount of short-term investments designed to allow you to buy or sell without the usual trade settlement period for individual stock transactions. Your ownership is measured in units of the fund instead of shares of stock. This is neither a mutual fund nor a diversified or managed investment option. On days of unexpectedly heavy outflows, the fund may not have enough short-term investments for liquidity. If that happens, requests to sell units received by Fidelity before the market close on a business day may not be processed on that day. In that case, requested sales of units will be suspended and, as liquidity is restored, suspended transactions will be processed, generally on a first-in-first-out basis, at the closing price for the processing date. In unusual circumstances, the fund may be closed to purchases or sales.

Goal: Seeks to increase the value of your investments over the long term by investing in the common stock of your employer or its affiliate.

What it invests in: Under normal circumstances, primarily in the stock of your employer or its affiliate, as well as in short-term investments. The amount of short-term investments is based upon a target established by the plan sponsor, but the actual amount of short-term investments on any given business day will vary with the amount of cash awaiting investment and with participant activity in the fund (contribu-tions, redemptions, exchanges, withdrawals, etc.). The value of your investment will vary depending on the performance of the company, the overall stock market, and the performance and amount of short-term investments held by the fund, less any expenses accrued against the fund. Investing in a nondiversified single stock fund involves more risk than investing in a diversified fund. Unit price and return will vary.

lifecycle FundsVanguard Target retirement income Trust i

FPrS code: OOLT

category: N/A

What it is: A collective trust (not a mutual fund).

Goal: Seeks to provide current income and some capital appreciation.

What it invests in: The trust invests in Vanguard® mutual funds according to an asset allocation strategy designed for investors currently in retirement. The underlying funds are: Vanguard Total Bond Market II Index Fund, Vanguard Total Stock Market Index Fund, Vanguard Inflation-Protected Securities Fund, Vanguard Prime Money Market Fund, Vanguard European Stock Index Fund, Vanguard Pacific Stock Index Fund, and Vanguard Emerging Markets Stock Index Fund. The trust’s indirect bond holdings are a diversi-fied mix of short-, intermediate-, and long-term U.S. government, U.S. agency, and investment-grade corporate bonds, inflation-indexed bonds issued by the U.S. government, as well as mortgage-backed securities. Its indirect stock holdings consist substantially of large-capitalization U.S. stocks and, to a lesser extent, mid- and small-cap U.S. stocks and international funds. The trust’s indirect money market holdings consist of high-quality, short-term money market instruments. The investment risks of each Trust change over time as the Fund’s asset allocation changes. Assets held in the Funds are subject to the volatility of the financial markets, including equity and fixed-income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. Unit price and return will vary.

Footnotes: The collective trust mandates are managed by Vanguard Fiduciary Trust Company, a subsidiary of The Vanguard Group, Inc. The Vanguard Group, Inc., provided the description for this collective trust.

This is not a mutual fund. For additional information, please visit https://institutional.vanguard.com/iippdf/pdfs/FS1461.pdf.

https://institutional.vanguard.com/iippdf/pdfs/FS1461.pdf

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Vanguard® Target retirement 2005 Trust i

FPrS code: OOLU

category: N/A


Goal: Seeks to provide growth of capital and current income consistent with its current asset allocation.

What it invests in: The trust invests in Vanguard® mutual funds using an asset allocation strategy designed for investors who planned to retire before 2008. The trust’s asset allocation will become more conservative over time. Within seven years after 2005, the trust’s asset allocation should resemble that of the Target Retirement Income Trust II. The underlying funds are: Vanguard Total Bond Market II Index Fund, Vanguard Total Stock Market Index Fund, Vanguard Inflation-Protected Securities Fund, Vanguard European Stock Index Fund, Vanguard Pacific Stock Index Fund, Vanguard Emerging Markets Stock Index Fund, and Vanguard Prime Money Market Fund. The trust’s indirect bond holdings are a diversi-fied mix of short-, intermediate-, and long-term investment-grade, taxable U.S. government, U.S. agency, and corporate bonds, inflation-indexed bonds issued by the U.S. government, as well as mortgage-backed securities. Its indirect stock holdings consist substantially of large-capitalization U.S. stocks and, to a lesser extent, mid- and small-cap U.S. stocks and international funds. The trust’s indirect money market holdings consist of high-quality, short-term money market instruments. The investment risks of each Trust change over time as the Fund’s asset allocation changes. Assets held in the Funds are subject to the volatility of the financial markets, including equity and fixed-income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, includ-ing at or after their target dates. Unit price and return will vary.




FPrS code: OOLV

category: N/A


Goal: Seeks to provide capital appreciation and current income consistent with its current asset allocation.

What it invests in: The trust invests in Vanguard® mutual funds using an asset allocation strategy designed for investors planning to retire between 2008 and 2012. The trust’s asset allocation will become more conserva-tive over time. Within seven years after 2010, the trust’s asset allocation should resemble that of the Target Retirement Income Fund. The underlying funds are: Vanguard Total Stock Market Index Fund, Vanguard Total Bond Market II Index Fund, Vanguard European Stock Index Fund, Vanguard Pacific Stock Index Fund, Vanguard Emerging Markets Stock Index Fund, and Vanguard Inflation-Protected Securities Fund. The trust’s indirect stock holdings consist substantially of large-capitalization U.S. stocks and, to a lesser extent, mid- and small-cap U.S. stocks and international stocks. Its indirect bond holdings are a diversified mix of investment-grade taxable U.S. government, U.S. agency, and corporate bonds, as well as inflation-protected and mortgage-backed securities, all with maturities of more than one year. The investment risks of each Trust change over time as the Fund’s asset alloca-tion changes. Assets held in the Funds are subject to the volatility of the financial markets, including equity and fixed-income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. Unit price and return will vary.







FPrS code: OOLW

category: N/A



What it invests in: The trust invests in Vanguard® mutual funds using an asset allocation strategy designed for investors planning to retire between 2013 and 2017. The trust’s asset allocation will become more conserva-tive over time. Within seven years after 2015, the trust’s asset allocation should resemble that of the Target Retirement Income Fund. The underlying funds are: Vanguard Total Bond Market II Index Fund, Vanguard Total Stock Market Index Fund, Vanguard European Stock Index Fund, Vanguard Pacific Stock Index Fund, and Vanguard Emerging Markets Stock Index Fund. The trust’s indirect stock hold-ings consist substantially of large-capitalization U.S. stocks and, to a lesser extent, mid- and small-cap U.S. stocks and international stocks. Its indirect bond holdings are a diversified mix of invest-ment-grade taxable U.S. government, U.S. agency, and corporate bonds, as well as mortgage-backed securities, all with maturities of more than one year. The investment risks of each Trust change over time as the Fund’s asset allocation changes. Assets held in the Funds are subject to the volatility of the financial markets, including equity and fixed-income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. Unit price and return will vary.




FPrS code: OOLX

category: N/A



What it invests in: The trust invests in Vanguard® mutual funds using an asset allocation strategy designed for investors planning to retire between 2018 and 2022. The trust’s asset allocation will become more conserva-tive over time. Within seven years after 2020, the trust’s asset allocation should resemble that of the Target Retirement Income Fund. The underlying funds are: Vanguard Total Stock Market Index Fund, Vanguard Total Bond Market II Index Fund, Vanguard European Stock Index Fund, Vanguard Pacific Stock Index Fund, and Vanguard Emerging Markets Stock Index Fund. The trust’s indirect stock hold-ings consist substantially of large-capitalization U.S. stocks and, to a lesser extent, mid- and small-cap U.S. stocks and international stocks. Its indirect bond holdings are a diversified mix of invest-ment-grade taxable U.S. government, U.S. agency, and corporate bonds, as well as mortgage-backed securities, all with maturities of more than one year. The investment risks of each Trust change over time as the Fund’s asset allocation changes. Assets held in the Funds are subject to the volatility of the financial markets, including equity and fixed-income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. Unit price and return will vary.





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FPrS code: OOLY

category: N/A







FPrS code: OOLZ

category: N/A










FPrS code: OOMA

category: N/A







FPrS code: OOMB

category: N/A








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FPrS code: OOMC

category: N/A







FPrS code: OOMD

category: N/A






Before investing in any mutual fund, please carefully consider the investment objectives, risks, charges and expenses. For this and other information, call or write Fidelity for a free prospectus. Read it carefully before you invest.




With the exception of domestic equity mutual funds, investment options have been assigned to investment categories based on Fidelity’s analysis. Fidelity has verified the accuracy of the placement of certain third-party non-mutual funds with either the plan sponsor or the plan sponsor’s consultant. Within Domestic Equities, mutual funds are listed according to their actual Morningstar categories as of 3/31/2010. Morningstar categories are based on a fund’s style as measured by its underlying portfolio holdings over the past three years and may change at any time. These style calculations do not represent the funds’ objectives and do not predict the funds’ future styles.The Plan is intended to be a participant-directed plan as described in Section 404(c) of ERISA, which means that fiduciaries of the Plan are ordinarily relieved of liability for any losses that are the direct and necessary result of investment instructions given by a participant or beneficiary.This document provides only a summary of the main features of the Plan, and the Plan Document will govern in the event of discrepancies.Fidelity Management & Research Company manages Fidelity mutual funds.The investment options available through the Plan reserve the right to modify or withdraw the exchange privilege.Unless otherwise noted, transaction requests confirmed after the close of the market, normally 4 p.m. Eastern time, or on week-ends or holidays, will receive the next available closing prices. On rare occasions, market conditions, systems availability, or other circumstances may prevent Fidelity from accepting your real-time company stock exchange transaction. In that event, no com-pany stock exchange will be allowed and you will not be able to direct a real-time trade. You will be asked to try again at a later time. Neither the plan, nor your employer nor Fidelity will be responsible for any losses, damages, or missed price opportunities in these circumstances.

© 2010 FMR LLC. All rights reserved.Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917548000.1.0 1.912043.100

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