Margin — Nonretirement — Brokerage - Fidelity Investments
PrintResetSaveQuestions? Go to Fidelity.com/margin.Margin — Nonretirement — BrokerageUse this margin election to request to add margin to an existing trust or business account. Type on screen or print out and fill in usingCAPITAL letters and black ink. If you need more room for information or signatures, make a copy of the relevant page.Important to UnderstandHelpful to KnowBy signing this margin election, you acknowledge that:Regarding this account: T rading on margin lets you borrow money using securities youalready own as collateral to purchase additional securities, sellsecurities short, protect your account from overdraft, or access aconvenient line of credit. T he following account types are not eligible for margin: M argin can involve significant costs and risks and is notappropriate for all investors. Account owners must determinewhether margin is consistent with their investment objectives,income, assets, experience, and risk tolerance. No investment oruse of margin is guaranteed to achieve any particular objective. F idelity Brokerage Services LLC (“FBS”) will perform brokerageand administrative services. National Financial Services LLC (“NFS”) will provideadministrative, clearing, custody, and margin credit services.– 529 College Savings Plans– ABLE Accounts– Cash Management Accounts (CMA)– Custodial accounts (UGMA/UTMA)– Estate accounts– Fidelity managed accounts– Fiduciary accounts (guardian and conservator)– Investment Club accounts– Mutual Fund Only accounts– Pledge accounts FBS, NFS, and their affiliates are together referred to hereinas “Fidelity.” F or accounts with identical registrations, only one of theaccounts with the same registration is eligible for margin. The Fidelity Account Customer Agreement (“CustomerAgreement”) and other available resources contain importantinformation explaining the risks and other significantimplications of adding margin to your account. M argin will not be granted if Fidelity determines that you resideoutside of the United States. In this margin election, “You,” “you,” and “your” refers to allaccount holders, including individual, joint, trustees, and/orcustodians. Each of the account holders agrees that anyaccount holder has authority to act on behalf of this account.1. Account InformationComplete a separatemargin election foreach account towhich you want toadd margin.Account NumberTrust or Entity Name If applicableProvide all Trusteeor Entity AuthorizedIndividual names.All must sign inSection 2.First NameMiddle NameLast NameFirst NameMiddle NameLast NamePhone number maybe used if we havequestions, but will notbe used to update youraccount information.First NameMiddle NameLast NameFirst NameMiddle NameLast NamePrimary PhoneForm continues on next page.1.531841.123Page 1 of 2004050901
2. Account Owner Signatures and DatesIndividuals must sign and date.ALL Trustees or Entity AuthorizedPlease be sure to read all the language included on the following pages, as well as sign, date, and return all pages ofthis form (1–2) to Fidelity.By signing below, you: Hereby authorize Fidelity to hypothecate Authorize Fidelity to extend margin credit(lend) or rehypothecate, either separatelyon the account identified in Section 1 toor with the property of others, either tothe name(s) listed on this margin election.Fidelity or to others, any property Fidelity Affirm that you have reviewed, understood,may be carrying for you on margin orand agreed to be bound by the terms andotherwise extending credit. This authorizaconditions of the Customer Agreement, thistion applies to all of your margin accountsmargin election, and the Schedule of FeesFidelity carries and shall remain in force(which is incorporated into the Agreementuntil Fidelity receives written notice ofby reference and legally forms a part ofrevocation of margin privileges.that document), as is currently in effect and Acknowledge that if you are adding marginas may be amended in the future. It shallto an Investment-Only Retirement Account,inure to the benefit of Fidelity’s successorsyou, as trustee, have read and understandand assigns, whether by merger, consolithe following points:dation, or otherwise. Fidelity may transfer– It is your responsibility to ensure thatyour account to its successors and assigns,all account transaction and investmentand the Customer Agreement shall beinstructions provided are in accordancebinding upon your heirs, executors,with the underlying plan and trust.administrators, successors, and assigns.– As Fidelity is not the sponsor or trustee Certify that all information provided in thisof your plan, we do not provide any taxform is true, accurate, and complete.reporting or record-keeping services forthe plan. As such, you will be responsible for the IRS Form 990-T filing relatedto the purchase of securities on marginwithin the account.– In addition, to risks generally applicableto margin borrowing, a tax-advantagedretirement account poses additionalrisks, including the following: 1) usingaccount assets to satisfy margin callsreduces tax-advantaged savings,2) annual contribution limits might restricta plan trustee’s ability to satisfy margincalls, and 3) debt-financed investmentincome within a tax-advantaged accountcan generate unrelated businesstaxable income (UBTI). You are stronglyencouraged to consult your tax orbenefits advisor prior to using marginborrowing on this account.You acknowledge that this account is governed by a predispute arbitration clause, which appears on the last page of theCustomer Agreement, and that you have read the predispute arbitration clause and understand this clause will apply to anymargin-related dispute that may arise.PRINT OWNER NAMEOWNER SIGNATUREOWNER SIGNATUREXXSIGNSIGNPRINT OWNER NAMEXXOWNER SIGNATUREOWNER SIGNATUREXXS IG NS IGNMM/DD/YYYYPRINT OWNER NAMEPRINT OWNER NAMETODAY’S DATETODAY’S DATEMM/DD/YYYYXDATEDATETODAY’S DATEMM/DD/YYYYDATEDATETODAY’S DATEComplete, sign, and attach all necessary documents.Be sure to complete the form and sign it.Questions? Go to Fidelity.com/margin.MM/DD/YYYYXSubmit1. Scan or take a digital photo of the ENTIRE form and allnecessary supporting documents.2. V isit Fidelity.com/upload to submit your files or photos.You will receive a confirmation of your updates.On this form, “Fidelity” means Fidelity Brokerage Services LLC and its affiliates. Brokerage services areprovided by Fidelity Brokerage Services LLC, Member NYSE, SIPC. All trademarks and service marks usedherein are the property of their respective owners. 427177.13.0 (08/22)1.531841.123Page 2 of 2004050902
Fidelity Brokerage Services CUSTOMER RELATIONSHIP SUMMARYEffective as of March 28, 2022.Fidelity Brokerage Services LLC (“FBS”) is a registered broker-dealer with the U.S. Securities andExchange Commission. Brokerage and investment advisory services and fees differ, and it is importantfor you to understand these differences. Free and simple tools are available to research firms andfinancial professionals at Investor.gov/CRS, which also provides educational materials about brokerdealers, investment advisers, and investing.What investment services and advice can you provide me?FBS offers brokerage accounts and services to retail investors, including for personal and retirementinvesting, and cash management services (such as bill pay, checkwriting, and margin lending). FBSaccounts allow you to invest in mutual funds, exchange-traded funds (“ETFs”), stocks, bonds, collegesavings plans and insurance products, among others. We do not limit our offerings to Fidelity funds,specific asset classes, or funds of sponsors or investment managers who compensate us. There is nominimum investment to open an account; there are minimums to purchase some types of investments.FBS works with its affiliated clearing broker, National Financial Services LLC, along with other affiliates toprovide you with these investment services. For additional information, see Fidelity.com/information.With an FBS brokerage account, unless we agree otherwise in writing, you are solely responsible fordeciding how you want to invest, placing orders, and monitoring your account. FBS, either by itselfor through an affiliate, can provide you with tools and information to help you make decisions andcan provide you with investment recommendations for certain investments upon request. Investmentadvisory services are provided through our affiliated investment advisers, including Fidelity Personaland Workplace Advisors (“FPWA”) and Fidelity Institutional Wealth Adviser LLC (“FIWA”), typically fora fee, and documents describing these advisory services can be found at Fidelity.com/information,including the FPWA and FIWA client relationship summaries.FBS brokerage accounts are also available to you when you work with a third-party adviser such as aregistered investment adviser, retirement plan administrator, bank or family office (“intermediaries”).If you open your FBS brokerage account through an intermediary, you or your intermediary will makeall decisions regarding the purchase or sale of investments; FBS will not provide recommendationsor monitor your investment decisions, or your intermediary, for you. Some intermediaries limit theinvestment products and services available to you. Please contact us or your intermediary for moreinformation on the available services and investments, conflicts of interest, and any fees you will pay.Conversation Starters. Ask your FBS financial professional: Given my financial situation, should I choose a brokerage service? Why or why not? How will you choose investments to recommend to me? What is your relevant experience, including your licenses, education and other qualifications?What do these qualifications mean?What fees will I pay?The fees that you will pay depend on whether you work directly with FBS or through an intermediary.If you establish a retail relationship directly with FBS, there are no commissions charged on onlinetransactions for U.S. stocks, ETFs, options, new issue bonds and certificates of deposit (“CDs”). Onlinetransactions in other securities are charged a commission. Sell orders for equities are charged an activityassessment fee and options have a per-contract fee. Transactions placed over the telephone or in abranch office are charged a commission. If you open an investment advisory account with one of ouraffiliates, your fees will be identified in the contract and disclosure document provided by that affiliate.If you work with FBS through an intermediary, please contact your intermediary for details on the feesthat you will pay for your brokerage activities, as online commissions may apply.There is no transaction fee or sales load (which is a fee charged on your investment at the time youbuy a mutual fund share) for either the purchase or sale of Fidelity’s retail mutual funds. Other mutualfunds either have a transaction fee or no transaction fee, and some of these funds will have sales loads.These fees can vary depending on how long you hold the fund. Holding funds for less than 60 dayscan result in additional trading fees. Mutual funds, ETFs, insurance products, and similar investmentproducts typically charge their own separate management fees and other expenses in addition to anyfees charged by FBS. When commissions apply, you will be charged more when there are more tradesin your account, and FBS therefore has an incentive to encourage you to trade more often and in largeramounts. FBS will also collect fees for margin loans based on current interest rates and your averagemargin loan balance.1
You will pay fees and costs whether you make or lose money on your investments. Fees and costswill reduce any amount of money you make on your investments over time. Please make sure youunderstand what fees and costs you are paying. Information about brokerage fees and costs fordifferent account types, products and services is available at Fidelity.com/information.Conversation Starter. Ask your FBS financial professional: Help me understand how these fees and costs might affect my investments. If I give you 10,000 to invest, how much will go to fees and costs, and how much will be invested for me?What are your legal obligations to me when providing recommendations? How else does your firmmake money and what conflicts of interest do you have?When FBS provides you with a recommendation, we have to act in your best interest and not putour interest ahead of yours. At the same time, the way we make money creates some conflicts withyour interests. You should understand and ask us about these conflicts because they can affect therecommendations we provide to you. Here are some examples to help you understand what this means. FBS or its affiliates typically earn more when you invest in a product that we or one of our affiliatesadvise, manage or sponsor, such as a Fidelity mutual fund, ETF or managed account. This createsan incentive for us to recommend our investment products over those offered by anothercompany. FBS earns more on your investments in some third-party funds and ETFs, including through feesand other compensation (including sales loads, 12b-1 fees, maintenance fees, start-up fees andinfrastructure support) paid by the fund, its investment adviser or an affiliate to FBS. This createsan incentive for us to recommend these products over others. For investments that we buy from you or sell to you for or from our own accounts (“principaltrades”), we can earn more than when we buy and sell investments for your account in the openmarket (“agency trades”). This creates an incentive to execute trades with our own accounts ratherthan in the open market.For further details on these conflicts, see Fidelity.com/information.Conversation Starter. Ask your FBS financial professional: How might your conflicts of interest affect me, and how will you address them?How do your financial professionals make money?FBS representatives also work for our affiliates, including FPWA or FIWA, for a salary and eitheran annual bonus or variable compensation. In some cases, they earn more from some productsand services (including certain investment advisory services) than from others. In such cases, ourrepresentatives have an incentive to recommend that you select a program or product thatpays them more compensation than those that will pay them less. For further details, seeFidelity.com/information.Do you or your financial professionals have legal or disciplinary history?Yes. Visit Investor.gov/CRS for a free and simple search tool to research us and our financial professionals.Additional Information:For more information about our brokerage and investment advisory services, or to obtain a copyof this Form CRS, or the Form CRS for FPWA or FIWA, go to Fidelity.com/information. If youwork directly with FBS, to request up-to-date information, the latest Form CRS or a hard copy ofmaterials that are hyperlinked above, call 1.800.FIDELITY (1-800-343-3548).Conversation Starter. Ask your FBS financial professional: Who is my primary contact person? Is he or she a representative of an investment adviser orbroker-dealer? Who can I talk to if I have concerns about how this person is treating me?Scan for more informationFidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 2022 FMR LLC. All rights reserved.919925.6.01.9898973.1022
Fidelity Personal and Workplace Advisors LLC CLIENT RELATIONSHIP SUMMARYEffective as of September 20, 2022.Fidelity Personal and Workplace Advisors LLC (“FPWA”) is a registered investment adviser with the U.S.Securities and Exchange Commission. Investment advisory and brokerage services and fees differ, and it isimportant for you, the retail investor, to understand these differences. Free and simple tools are availableto research firms and financial professionals at Investor.gov/CRS, which also provides educational materialsabout broker-dealers, investment advisers, and investing.What investment services and advice can you provide me?FPWA offers investment advisory services to retail investors that include “wrap fee” advisory programs,discretionary advisory programs, financial planning, and referrals to third-party investment advisers.Our wrap fee programs offer investment advice from FPWA and other investment advisers, as well assecurities trades and custody services from our broker-dealer affiliates. In our wrap fee programs andour discretionary advisory programs, a subadviser we hire (which is typically an FPWA affiliate) will havediscretion to buy and sell mutual funds, exchange-traded products (ETPs), and/or other securities foryour account without your consent to each trade. The subadviser (not FPWA) will monitor your accountand investments periodically based on the flexibility of the program and investment strategy you haveselected. You must meet an account minimum to open and maintain an advisory account in most ofour programs. Current account minimums are described at Fidelity.com/information. (Retail advisoryofferings available through Fidelity Personal and Workplace Advisors.) In some of our programs,you can only invest in Fidelity mutual funds and ETPs; in other programs, a significant percentage tosubstantially all of your account will be invested in Fidelity mutual funds and ETPs, depending on theinvestment strategy you select.We provide financial planning to clients enrolled in certain discretionary programs and, for clients atcertain asset levels, on a stand-alone basis. Our financial planning services help you evaluate your abilityto meet identified goals and can also provide suggestions for changes to your asset allocation. Whetherand how to implement any asset allocation or other recommendation provided as part of our financialplanning services is your responsibility and is distinct from our discretionary advisory services. Ourfinancial plans are not monitored or updated after they are provided to you. In addition, we providereferral services, which include recommendations to third-party investment advisers to help you withyour investment and financial needs. We do not monitor these third-party investment advisers.For more information regarding our retail advisory offerings, please see documents under theheading “Fidelity retail investment advisory services” at Fidelity.com/information. Specifically,you should review FPWA’s Form ADV Part 2A Brochure. Our affiliated broker-dealer, Fidelity BrokerageServices LLC (“FBS”), also offers brokerage accounts and services to retail investors, as described in theFBS Form CRS accompanying this document. Please see Fidelity.com/information.Conversation Starters. Ask your FPWA financial professional: Given my financial situation, should I choose an investment advisory service? Why or why not? How will you choose investments to recommend to me? What is your relevant experience,including your licenses, education, and other qualifications? What do these qualificationsmean?What fees will I pay?Your fees will depend on the investment advisory program you select. See the respective programdisclosure document for specific fees at Fidelity.com/information. Each wrap fee program chargesan advisory fee, typically based on the amount of assets that you have in the program, which coversthe ongoing management of your account(s), as well as brokerage, clearing, and custody servicesprovided by FBS and other broker-dealer affiliates and can cover assistance from our representativesand access to financial planning services. Fees are typically deducted from your account after the endof each quarter. Wrap program fees include most transaction costs and fees to FBS and are generallyhigher than a typical asset-based advisory fee that does not include transaction costs for brokerageservices. Our other discretionary advisory programs also charge asset-based fees or a subscription feedepending on the program. Typically, the more assets there are in your program account, the moreyou will pay in fees, and we have an incentive to encourage you to increase the assets in your account.The following fees are in addition to the wrap program fees: (1) underlying expenses of mutual fundsand ETPs purchased for your account (though note that we credit certain revenue we receive from yourmutual fund and ETP investments to your program account as explained in your Client Agreement);(2) certain charges resulting from transactions for your account executed with or through unaffiliatedbroker-dealers; (3) fees of investment advisers we refer you to; and (4) some incidental fees andexpenses. In some wrap fee programs we charge an extra fee if your assets are invested in individual1
securities through a separately managed account. We charge a fixed fee for our stand-alone financialplanning, and we receive a fee from advisers to whom we refer clients.You will pay fees and costs whether you make or lose money on your investments. Fees and costswill reduce any amount of money you make on your investments over time. Please make sure youunderstand what fees and costs you are paying. For additional information regarding programfees, please see Fidelity.com/information, specifically, FPWA’s Form ADV Part 2A Brochure.Conversation Starter: Ask your FPWA financial professional: Help me understand how these fees and costs might affect my investments. If I give you 10,000 to invest, how much will go to fees and costs, and how much will be invested for me?What are your legal obligations to me when acting as my investment adviser? How else doesyour firm make money and what conflicts of interest do you have?When we act as your investment adviser, we have to act in your best interest and not put our interestahead of yours. At the same time, the way we make money creates some conflicts with your interests.You should understand and ask us about these conflicts because they can affect the investment advicewe provide you. Here are some examples to help you understand what this means. FPWA or its affiliates typically earn more when you invest in a product that we or one of ouraffiliates advise, manage, or sponsor, such as a Fidelity mutual fund or ETP. This creates anincentive for us and our affiliates to recommend and invest your assets in our investment productsover those offered by another company. FPWA or its affiliates earn more on your investments in some third-party funds and ETPs, andtherefore have an incentive to recommend and invest your assets in these funds and ETPsover others. Our investment advisory programs charge different fees. This creates an incentive for us or ouraffiliates to recommend advisory programs that pay us or our affiliates higher fees over otherprograms.Conversation Starter: Ask your FPWA financial professional: How might your conflicts of interest affect me, and how will you address them?For more details on conflicts, please see Fidelity.com/information.How do your financial professionals make money?FPWA representatives also work for our affiliated broker-dealer, FBS, for a salary and either an annualbonus or variable compensation. They earn more from some advisory programs than from otherprograms, or from providing brokerage services through FBS. Our representatives have an incentive torecommend that you select a program or product that pays them more compensation than those thatwill pay them less. For more details on compensation, please see Fidelity.com/information.Do you or your financial professionals have legal or disciplinary history?Yes. Visit Investor.gov/CRS for a free and simple search tool to research us and our financial professionals.Conversation Starter: Ask your FPWA financial professional: As a financial professional, do you have any disciplinary history? For what type of conduct?For more information about our investment advisory and brokerage services, or to obtain a copyof this Form CRS, or the Form CRS for FBS, go to Fidelity.com/information. To request up-to-dateinformation, the latest Form CRS, or a hard copy of materials that are hyperlinked above, call1.800.FIDELITY (1-800-343-3548).Conversation Starter: Ask your FPWA financial professional: Who is my primary contact person? Is he or she a representative of an investment adviser orbroker-dealer? Who can I talk to if I have concerns about how this person is treating me?Scan for more information 2022 FMR LLC. All rights reserved.920069.3.0 1.9898522.1022
Please review this document and keep it for your records.Do not mail it in with your application.CUSTOMER AGREEMENTAbout This AgreementAn introduction that includes a summary of Fidelity’sresponsibilities and the responsibilities you agree to acceptin using your account.Account FeaturesDescriptions of the basic features of your account and severaloptional features, such as cash management features.Account PoliciesInformation on policies that affect how your account works, howorders are processed, and other account functions.Borrowing on MarginHow a margin account works, the terms and conditions of its use,and a discussion of risks associated with margin borrowing.DisclosuresADDITIONAL INFORMATIONFeesFidelity’s brokerage fee schedules, fees for various featuresand services, and margin borrowing charges.Privacy Notice Information on liability, certain regulations, andpredispute arbitration.CUSTOMER AGREEMENT AND ADDITIONAL INFORMATIONThe first section is the agreement, or contract, for your account.The second section includes a copy of the current fee scheduleand other account-related information.The Fidelity AccountThis document describes the features, policies, fees, and risksassociated with your Fidelity Account.
FIDELITY ACCOUNT CUSTOMER AGREEMENTThings to KnowBefore Using Your AccountThe information in this box is only a summary. Please read thecomplete Agreement for more complete information.Using your brokerage account involves risks,for which you assume full responsibility.As the account owner, you are fully responsible for monitoringyour account and for all investment decisions and instructionsconcerning your account. Unless we have contractually agreedotherwise, we have no responsibility for monitoring youraccount or your investment decisions, even if your decisionswere based on our recommendations. Additionally, unless wehave contractually agreed otherwise, your account is a brokerage account and not an investment advisory account subject tothe Investment Advisers Act of 1940.Placing orders during times when markets are volatile canbe risky.Before you start using your account or any account feature,it’s essential that you understand the terms, conditions, andpolicies that apply. You should also understand your relationshipwith Fidelity, as described herein and in the FBS Form CRS, aswell as the conflicts of interest that exist as described in theProducts, Services, and Conflicts of Interest disclosure document, available online at Fidelity.com/Reg-BI-Disclosure.A joint owner or any one of multiple trustees can place anyorder in a joint account or trust account (including removingall of the assets) without the approval of the other owner(s) ortrustee(s) and without any obligation on Fidelity’s part to questionthe action.There are certain situations in which it isessential that you get in touch with us.You need to tell us immediately if any of the following occur: You notice anything incorrect or suspicious concerning yourorders, account activity, or statements. Your financial circumstances or goals change. You become subject to laws or regulations concerningcorporate insiders, the reporting of certain investments,or employment in the securities industry.Disputes between you and Fidelity are settledby arbitration.As with most brokerage accounts, the parties agree to waivetheir rights to sue in court, and agree to abide by the findings ofan arbitration panel established in accordance with an industryself-regulatory organization.How to Contact UsFor matters concerning your account, including questions,changes, and notification of errors, reach us:By Phone800-544-6666OnlineFidelity.comIn WritingFidelity InvestmentsClient ServicesPO Box 770001Cincinnati, OH 45277-0045Who’s Who in This AgreementIn this document, “Fidelity,” “us,” and “we” include FidelityBrokerage Services LLC (“FBS”) and National Financial ServicesLLC (“NFS”) and their employees, agents and representatives, asthe context may require. “You” and “account owner” refer to theowner indicated on the account application; for any account withmore than one owner or authorized person (such as a joint or trustaccount), “you” and “account owner” or “account owners” referto all owners, collectively and individually. About This AgreementFidelity’s Commitments to YouUnder this Agreement, Fidelity has certain rights and responsibilities.When we accept your account application, we are agreeing to serveas your broker and to maintain an account for you. We agree, subjectto our acceptance of an authorized order, to buy, sell, or otherwisedispose of, or acquire, securities for you according to your instructions.We also agree to provide, or acquire, various services and features, asdescribed on the following pages.Your Commitments to FidelityMany of these commitments are spelled out more completely on thefollowing pages, but in general, when you sign the account application,you agree: to accept full responsibility for the content and accuracy of allauthorized instructions placed on your account, and for all resultsand consequences of these instructions, including all investmentdecisions, trading orders, tax consequences, and instructions placedby you or any other person you authorize to pay all fees, charges, and expenses incurred on your account, inaccordance with the provisions of this Agreement and the fee schedulein effect at the time (a current schedule is attached hereto and incorporated herein); for services we perform at your request that are
FBS brokerage accounts are also available to you when you work with a third-party adviser such as a registered investment adviser, retirement plan administrator, bank or family office ("intermediaries"). If you open your FBS brokerage account through an intermediary, you or your intermediary will make
For any withdrawal that involves the sale of mutual fund shares (other than money market funds) or other securities, skip to "All Other Types of Withdrawals." ALL core cash and Fidelity money market funds in your brokerage account Skip to Section 3. ONLY the following amount of cash in your brokerage account: Dollar Amount Skip to Section 3. .
With your brokerage account, you can independently research and select from thousands of mutual funds, including from some well-known fund families. . Brokerage. If a brokerage investment is the Destination Fund, then you will need to check the box to enable brokerage selections. TIAA Self-Directed Brokerage 10
1 Fidelity refers to Fidelity Investments Life Insurance Company and, for New York residents, Empire Fidelity Investments Life Insurance Company, New York, N.Y. Having some type of life insurance is an important part of any long-term fi nancial plan. With adequate coverage in place, you will ensure your family has the fi nancial
Registered investment advisors are not appointed agents of Fidelity Investments Life Insurance Company, Empire Fidelity Investments Life Insurance Company, and/or Fidelity Insurance Agency, Inc. Any recommendation and/or information they provide about any specific Fidelity annuity is done so in their capacity as registered investment advisors .
Click the Enroll icon to enroll in a pre-tax or Roth after-tax brokerage account. To Open a TD Ameritrade Brokerage Account 2. 4. If you wish to open a pre-tax AND Roth brokerage account, you must enroll separately in each. This will allow you to track your Roth investments and earnings separately from your pre-tax brokerage account.
1 Fidelity Brokerage Services CUSTOMER RELATIONSHIP SUMMARY This important information about Fidelity Brokerage Services LLC (“FBS”
In the section below, “Fidelity,” “us,” and “we” refer to Fidelity Brokerage Services LLC, Fidelity Management Trust Company, and National Financial Services LLC and their affiliates, and their employees, agents, representatives, shareholders, successors, and assigns as the context
Plan and monitor animal diet and nutrition LANAnC46 Plan and monitor animal diet and nutrition 1 Overview This standard covers planning and monitoring the diet and nutrition for animals in your care. You will need to identify the nutritional requirements of the animals and develop feeding plans containing all the necessary information for those responsible for feeding the animals. You will .
