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Online account - All UK customers are able to access their account online through Account Management. You can register for this service online.

You will need your 10 digit customer reference number, and the last six digits of your account number. If you do not have these numbers, please call free 0800 41 41 25 for assistance. The lines are open seven days a week from 9am to 6pm.

Security and monitoring - To allow our customers to deal online with confidence, the account opening process incorporates powerful electronic security measures using industry-standard 128-bit, 2-way data encryption technologies. In addition, access to Fidelity data and information is monitored 24 hours a day.

Name validation error messages - If the name on your online application form differs from the debit cardholder's name, the application process will be stopped. You will be asked to contact a Fidelity Customer Account Executive, quoting your deal reference number.

Time out - For security reasons we have designed the system to 'time out' if there is no activity from the user after 10 minutes. You will be asked to enter your PIN again to access your account.

UK residency checking - All online applicants are checked against the electoral roll, so we can verify that you are a UK resident. If you aren't listed, we will call you and ask you to send us an appropriate document/bill that shows your permanent residency. Until we receive confirmation we will not be able to purchase the fund shares requested.

Moving through the steps of the application process - You need to confirm the information you input on each page by clicking on the yellow arrows in the top right-hand corner of your screen. You can also use the arrow buttons to move back through the application to make amendments.

Submitting your order - When you click on the Submit my Order arrow in step 5, your instructions will be sent to Fidelity and your order will be executed. You will see an internet deal reference number. We recommend that you print a copy for your records.

Back button - When completing an online application form, some browsers will not support the use of its back button. Please use the page numbers in the application process instead to move back.

Using an Apple Mac? - When this system was developed, our research showed that Macs made up less than 2% of our online audience. As a consequence, our site and online services were not tested for compatibility with i-Macs. However, due to an increase in i-Mac usage, we are upgrading our applications to ensure that they are compatible with these computers.

Caching - The cache is used to keep local copies of frequently accessed documents, reducing the time connected to the network. If other people have access to your computer, we recommend that you do not cache documents downloaded over a secure connection (those where the URL starts https://...). In Internet Explorer 5, this option is found in Tools >Internet Options> Advanced>Security>Tick the box "Do not save encrypted pages to disk". This is not a problem in Netscape.

Caching Problems - If the contents of a page do not seem to be updating, your browser may have cached this page in error - press and hold the 'CTRL' key and mouse click on the Refresh/Reload button on your browser to clear the cache for that page.

Caching your login details and PIN - Your login details and PIN are sometimes cached when using Internet Explorer 5. This is a feature of IE5. If you want to disable this feature, go to Tools>Internet Options>Contents> click on the Auto complete button. Here you will need to uncheck the box for "Use Autocomplete for usernames and passwords on forms" and press the buttons for "clear passwords".

Connecting from work? - A firewall is put in place by companies to prevent inappropriate access to their Internet sites. Some business system administrators will not allow their employees to access external sites, particularly secure ones. Usually an error message will confirm this. If you are having problems accessing our online service from a business, you will need to check whether external access is authorised.

Access/application difficulties? - The simplest way of resolving these difficulties is to log out of the site and reboot your PC.

Cookies - When accessing your account in a secure site, you will need to ensure that cookies are enabled. A cookie is a small text file stored on your hard disk. It contains information about your preferences.

Error messages - If these are from Fidelity, we will provide a five figure number and a request to call us. Other messages will be browser related and the enquiry should be directed to your Service Provider.

Maintenance and updates - When we carry out maintenance or updates within our online services, we'll let you know by stating 'This service is temporarily unavailable'. Access difficulties at other times are usually browser or Service Provider related, so your enquiries should start there.

Maintaining secure access to your account - This site is designed and tested for browser versions 4 and up. For security reasons, you may see an error message telling you that you are not using the latest browser version, or that your browser's security certificate has expired. You can close this message and continue, if you wish. Alternatively, you can use the links to obtain the latest version of Netscape or Internet Explorer. For Netscape upgrades, please visit http://browser.netscape.com and for Microsoft upgrades, go to: http://www.microsoft.com/windows/ie/default.htm. We recommend this to ensure that the security is maintained.

Pages slow to load? - Every page on our secure site is encrypted, and this increases the time it takes to load the page. If you find that pages are very slow to load, you will need to discuss this with your Service Provider as they may not be able to cope with the demand. Alternatively, your modem may need upgrading.

Other security/performance issues - Your service provider may offer a proxy service to increase the performance of your Internet connection. If so, follow their instructions for configuring your browser.

Unable to access your online account? - Please consult your Service Provider first. They may temporarily be unable to support the secure link that is required.

Having difficulties? - Each page has a print button in the top left-hand corner. Not all browsers support the print button function. If you have difficulty printing, you can either hold down the 'CTRL' then press the 'P' key, or right click on the mouse and choose the 'Print' option.

Account Management uses frames. Since there are three frames you will need to click in the frame that you want to print, otherwise either all three will print separately, or not at all.

Printed page different to online version? - Browsers usually render the printed page slightly differently to the online version. We have designed the pages that we ask you to print out so that they are formatted correctly when printed. If you have trouble printing these pages, please ensure that:

1. the correct printer driver for your printer is installed;
2. the correct paper type has been selected;
3. the paper margins are set appropriately.

No printer? - If you do not have access to a printer, you can save the page as an HTML file. To do this, go to the File menu, choose 'save as' and save the page as an HTML file - suffix html.

Your investment - After you have submitted your application, it is advisable to print out page 5 so that you have a copy of the deal reference number.

Online account - All UK customers are able to access their account online through Account Management. You will need to set up a PIN on a touchtone phone. If you are ready to set your PIN then call free 0800 41 41 24 (anytime) and follow the simple instructions.

You will need your 10 digit customer reference number, and the last six digits of your account number. If you do not have these numbers, please call free 0800 41 41 25 for assistance. The lines are open seven days a week from 9am to 6pm.

Minimum investments - For ISAs the minimum amount you can invest in a MoneyBuilder fund is £500. All other funds have a £1,000 minimum. Fidelity Funds minimum investment is £1,500. Portfolio Fund minimum investment is £10,000.

Investing monthly - to do this, you must apply on paper or speak to your Financial Adviser.

Phasing ISA only - If you choose this option, your lump sum will be invested into the fund(s) of your choice in six equal instalments, starting on the date of your first investment, with subsequent investments made on the same date each month. Your lump sum is held on deposit to earn interest while it is waiting to be invested. Having your money invested gradually can help to smooth out some of the effects of stock market volatility. With third party providers, the cash will be sold on day 1, and usually invested on day 2.

Dealing times

Investments in Fidelity's OEICs and unit trusts and Recognised Offshore Currency Funds are priced at 12 noon on a forward pricing basis. Instructions received after this time will be dealt on the next business day. If you invest using Delta/Visa by phone after 11am, investments will be made on the next business day. Please note: units in cash funds are bought at the next 12 noon valuation point following the day of receipt. Other Recognised Offshore Funds are priced at 5pm on a forward pricing basis.

Please refer to the table below for details of cut off times for receipt of instructions and the time that the price will be calculated.  Deals received after the cut off will be priced at the time shown on the following valuation day.

Top-ups and switching - You can top-up or switch your holding online using the Account Management service. If you make a top-up investment or switch your holding to another fund, we will place the deal at the next dealing point after receiving your instruction (except for switches into cash, where the buy into cash will be done after a 5 working day settlement period for the sale side of the switch). With third party providers in FundsNetwork the fund sale will be on day 1, and the new fund purchase will be made on day 2 (except where dealing times permit this to be done on the same day).

Selling - provided we have received written instructions, there will be a settlement period before your proceeds are sent:

• non-ISA funds - 4 working days
• ISAs - 7 working days (an additional 5 days will apply to investment trust and windfall shares)
• Offshore Fidelity Funds - 5 working days
• Offshore Currency Funds - 3 working days

Income funds - Your income will automatically be reinvested. If you would like to have the income paid to you instead, please call us on 0800 41 41 81. One of our Account Executives will be pleased to assist.

Paying into your spouse's ISA - This is fine, provided you have the same family name. If this is not the case, you will be asked to call a Fidelity Customer Account Executive. In order for us to process your application quickly, please have your deal reference number available.

Third party payments - Unfortunately, we can't accept these online, or for FundsNetwork investments. If you wish to make a third party payment, or pay for a family member other than your spouse, you will need to complete an application form and a Deed of Gift letter* and return it to us by post.

Deed of gift - If you wish to use this facility it is not possible to make an application online, or for FundsNetwork investments. You will need to complete an application form. This must be returned with a Deed of Gift letter*. Please print out a copy to ensure that accepted family relationships are adhered to, and that both parties sign it. Without the correct details we will not be able to make your investment.

The value of investments and the income from them can go down as well as up.

Investments in small and emerging markets can be more volatile than other overseas markets.

For funds that invest in overseas markets, changes in currency exchange rates may affect the value of your investment.