This email will serve as a confirmation that I accepted both the terms of electronic delivery and the documents that you emailed me, ( mpratt2@commonwealth.com ) on 11/9/2021 7:38:22 AM :
Company NameFund NameClassDocument Type
Fidelity Four-in-One Index Fund 31634R109
Prospectus
Nasdaq Composite Index Fund 315912709
Prospectus
U.S. Bond Index Fund 316146356 Institutional Premium Class
Prospectus
500 Index Fund 315911750 Institutional Premium Class
Prospectus
Emerging Markets Index Fund 316146331 Institutional Premium Class
Prospectus
Extended Market Index Fund Institutional Premium Class 315911743 Institutional Premium Class
Prospectus
International Index Fund Institutional and Institutional Premium Class 315911727 Institutional Premium Class
Prospectus
Total Market Index Fund 315911693 Institutional Premium Class
Prospectus
Small Cap Index Fund Institutional and Institutional Premium Class 316146182 Institutional Premium Class
Prospectus
Real Estate Index Fund 316146232 Institutional Class
Prospectus
Government Money Market Fund-Capital Reserves Class 31617H508 Capital Reserves Class
Prospectus
Inflation-Protected Bond Index Fund Institutional Premium Class 31635T104 Institutional Premium Class
Prospectus
Intermediate Treasury Bond Index Fund Institutional and Institutional Premium Class 31635V257 Institutional Premium Class
Prospectus
Long-Term Treasury Bond Index Fund 31635V232 Institutional Premium Class
Prospectus
Short-Term Bond Index Fund 31635V273 Institutional Premium Class
Prospectus
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Mutual Fund, 529 Plan Share Class, and Out-of-State Information
The following information is offered as a reminder to those owners of applicable mutual fund or 529 college savings plan accounts.


Class A share purchases are subject to an initial sales charge of a percentage of the offering price and may be subject to 12b-1 expense fees. Class A shares generally have lower annual distribution and service (12b-1) fees than other share classes and may offer a reduced sales charge through Rights of Accumulation (ROA) or a Letter of Intent (LOI). An LOI is a written promise to purchase a specific dollar amount of mutual fund shares over a period of time, usually 13 months. In exchange, the fund company applies a lower front-end sales charge to all purchases of A shares. ROA permit the pooling of assets invested in a fund family among individuals who are related to one another, qualifying them for reduced sales charges when the combined investment reaches a breakpoint.

Class B share purchases are not subject to any initial sales charge or load. Purchases are subject to a declining surrender charge over a period of years and incur higher 12b-1 fees than A shares. Reduced sales charges available through ROA or LOI are not an option through B share purchases. Redemptions prior to expiration of the surrender period may be subject to a charge of a certain percentage known as a contingent deferred sales charge (CDSC) or surrender charge.

Class C share purchases may not be subject to an initial sales charge, but on an ongoing basis will have higher 12b-1 expense fees and may be assessed a CDSC if redeemed within a specific period of time, usually within one to one-and-one-half years of purchase. Purchases of C shares in 529 plans will generally not be permitted by Commonwealth if the beneficiary’s investment time horizon is more than six years.

Out-of-State 529 Information
Depending upon the laws of the home state and the laws of the designated beneficiary’s state, favorable state tax treatment or other benefits offered by such home state for investing in 529 college savings plans may be available only if investment is made in the home state’s 529 college savings plan. Any state-based benefit offered with respect to a particular 529 college savings plan should be one of many appropriately weighted factors to be considered in making an investment decision. Consultation with a financial, tax, or other advisor to learn more about how state-based benefits (including any limitations) would apply to specific circumstances, and contacting a home state plan or any other 529 college savings plan to learn more about the features, benefits, and limitations of that state’s 529 college savings plan, may be considered.

Securities and insurance products offered may lose value, are not bank or credit union deposits, not FDIC-insured, not NCUA-insured, not NCUSIF-insured, not insured by any government agency, and not endorsed or guaranteed by Commonwealth Financial Network or your Registered Representative.