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Get Ready for Your Future

Enroll in your workplace retirement savings plan today.

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Choose how much to save. Our calculator can help you determine what's right for you.

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Fidelity Investments	800-343-0860
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Guiding you through exciting Theta Plan changes ahead

The following summarizes exciting enhancements to your Theta Retirement Savings Plan. Please review carefully to understand all the changes and any action you may need to take.

What's Changing and Why?

Fidelity Investments will soon become the provider of recordkeeping services for the Theta Retirement Savings Plans. Inside this guide are details about the transition, the changes coming your way, and how this will affect you, as well as action steps you may need to take.

April 16

Transition to Fidelity begins. You will have limited access to your account.

May 16

Black out period begins. You will not have access to your account.

May 25

Transition complete. All services live at Fidelity with full access to your account.

View all key dates

Here is what you need to do

Review all the Investments available to you.
Decide which investments are right for you and Make Your Election.
If you are not already participating in the Theta Retirement Savings Plan, now is a good time to Enroll.

Resources

Welcome to Fidelity

Sharing our expertise to help people live the lives they want.

Your retirement adventure awaits. Start planning today!

Saving for Skydiving

Watch this video to see how a lifetime of saving helped Marian Barnett became one of the country's oldest skydivers at age 90.

Investing involves risk, including risk of loss.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

Key Dates You'll Want To Know

The following outlines the implementation of the new investment options. Please review carefully so invest your investments are transitioned - the way you want - to meet your requirement needs.
Date*	What's happening	What this means to you
Mar 1 - Apr 15	Onsite one on one appointments and educational seminars available	You can meet one on one with a Fidelity Workplace Planning and Guidance Consultants to review your investment choices. You can also attend a group seminar to get an overview of all the plan enhancements and transition steps.
Apr 16 - May 15	Limited Account Access	Transition to Fidelity begins. You will have limited access to your account.
May 16 - May 24	Blackout Period	Black out period begins. You will not have access to your account.
May 25	Transition Complete	All services live at Fidelity with full access to your account.

*The timing of the plan changes and transition period, including any asset reallocations, described within this brochure depends on a variety of factors, which may include the timing and accuracy of the transfer of data, receipt of instructions, and receipt of assets. Changes in any of these factors may result in changes to the timing of the delivery of services, the transition period, and/or the dates on which, and thus the prices at which, assets in your account are sold and/or reinvested.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

Investments To Consider

The Theta Retirement Savings Plan is pleased to introduce a new investment structure to help you build a diversified portfolio. Please refer to the Transition Brochure for a complete description of each investment option.
Tier One	Investment Tier One
Tier Two	Investment Tier Two
Tier Three	Investment Tier Three
Tier Four	Investment Tier Four

Before investing in any mutual fund, consider the investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

Investing involves risk, including risk of loss.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

Making Your Elections

If you are participant in the Theta Retirement Savings Plan it is important for you to consider your investment elections.

During the election window March 14 through April 15, you may choose how your existing account balances and future contributions will transfer to the new four-tier investment structure. Carefully review the chart below to understand all of your options.

Current_Provider	Your Existing Account Balances	Your Future Account Balances
Provider A	You may transfer your assets to the new structure during the election window. Otherwise they will be automatically transferred into an age-appropriate tier-one Fidelity Freedom Fund on May 25.	You should make a new investment election during the election window. Otherwise, your future contributions will be automatically invested in an age-appropriate tier-one Fidelity Freedom Fund on May 25.
Provider B	text	text
Provider C	text	text

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Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

Enrolling is easy and it takes approximately 15 minutes

If you are not currently participating in the Theta Retirement Savings Plan, now may be a good time to enroll. The tax advantages and growth potential that comes with making regular retirement plan contributions are an effective way to save for your financial future. Plus, Theta will match a portion of your contributions – that's like getting free money. Any employer contributions are subject to plan provisions.

Step 1
Step 2
Step 3

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Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

Find answers to frequently asked questions

How does cash availabilty work in my account?

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How does cash availabilty work in my account?

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How does cash availabilty work in my account?

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How does cash availabilty work in my account?

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How does cash availabilty work in my account?

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How does cash availabilty work in my account?

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Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

What you can do beginning mid-to-late March

Attend a transition workshop.

Fidelity will be presenting Plan transition workshops. To view the meeting schedule, go to 'schedule a meeting'.
View the on-demand transition recording.

This informative session titled "Making the Most of Your Retirement Plan Transition" will be available to view at at the link provided.

What you can do after the transition is complete - expected to be the week of April 21

Set up your username and password.

Simply follow the step-by step instructions. If you are a current Fidelity customer and already have a username and a password, you can use them to access your Plan accounts on the Fidelity NetBenefits^® Web site.
Register your e-mail address and set your communication delivery preferences.

You can do both at the Your Profile tab to ensure you'll receive important transition updates the way you prefer.
Establish your beneficiaries online.

Your beneficiary designation will not transfer, so you will need to designate your beneficiary online for each Plan account. Simply click "Beneficiaries" in the About You section of Your Profile. If you prefer to complete your beneficiary information by paper form, please contact Fidelity at 1-800-343-0860.
Access your Plans virtually any time.

On the Fidelity NetBenefits^® Web site, you can enroll, adjust your contribution amount and change your investment options. You can even request a loan online.
Take advantage of online account access, tools, and calculators.

Get details on all your investments, including account statements, current prices and historical performance. Fidelity also provides many tools and calculators to help you create a successful savings and retirement strategy.
Sign up for any of the new products or services.

Review the list of new products and services and contact Fidelity to get started.
Schedule a confidential consultation with a Fidelity Workplace Planning and Guidance Consultant.

Fidelity will be available for one-on-one in person consultations or by phone. To view a schedule of available appointments or to schedule your appointment, call 1-800-642-7131.

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Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917