Franklin Templeton Account Services Support

To open a new account, navigate to the Sign In/Register icon at the top of this page, select Franklin Templeton Account, then select Open Account.

Opening an account online is secure and just takes a few minutes.

Through your financial professional

In addition to advice about which funds make sense for your financial situation, your financial professional has the necessary forms to help you make an initial investment in any of our funds.

Fill out an Account Application and mail it to us with a check. Complete instructions and the mailing address are on the form.

If you already have a fund account with us, you can call (800) 632-2301, Monday-Friday, 5:30 a.m.–5 p.m. PT to open a new identically registered one.

Refer to Wiring money to and from Franklin Templeton accounts.

Prospectuses, reports and fact sheets for all funds are available in the “Forms and Literature” area of our website.

Traditional IRA

• Contributions may be tax deductible and earnings accumulate tax deferred.
• Distributions are generally taxable at your earned income tax rate.
• A tax of 10% may apply to distributions made before you are age 59½, unless an exception applies.

Ownership options

• Individual
• Individual TOD
• Joint
• Joint TOD
• Gifts or transfers to a minor (UGMA/UTMA)
• Trust
• Estate
• Guardian
• Conservatorship

Ownership options

• Regular
• UGMA/UTMA
• Trust or custodianship

Before you get started, here’s the information you’ll need to provide:

Ownership

Along with basic information, you’ll need:

• U.S. address
• Email address
• Taxpayer identification number

Note: When submitting additional documents, if you are currently working with us and have been provided a Case number, please include that number with these documents.

To check the status of an application, please either email us or call us at (800) 632-2301.

Account options can be changed by logging into your account. Options include:

• Address
• Beneficiary
• Bank information
• Automatic Investment Plan
• Systematic Withdrawal plans
• Distributions
• Electronic Funds Transfer information
• Checks

To sign in, navigate to the Sign In/Register icon at the top of this page and select Franklin Templeton Account.

Website profile options can be changed by selecting your name and then Edit My Profile from the menu. Options include:

• Contact information
• User ID and password
• Electronic subscriptions
• Personal greeting

To sign in and view your website profile, navigate to the Sign In/Register icon at the top of this page and select Franklin Templeton Account.

Less paperwork is good for you and good for the planet. Sign up for eDelivery to receive your prospectuses, account statements and shareholder reports electronically. You’ll receive an email notification when your account documents are ready to view online, typically four days sooner than regular mail.

Enrollment is easy:

1. To sign in, navigate to the Sign In/Register icon at the top of this page and select Franklin Templeton Account.
2. Select your name top right of the page
3. Locate the Delivery Options section and click Edit

In order to change the name on the account(s) due to marriage, adoption, or another reason, we’ll need a few documents.

Please call us at (800) 632-2301 with any questions.

We will need the following paperwork:

• Notification of Legal Name Change form, completed and signed using the former and new signatures
  • Refer to the Signatures section of the form for the notary requirements
• Notification of a Lost Share Certificate/Returning an Outstanding Share Certificate form, completed and signed by the current account owner(s), if applicable
• Copy of birth certificate, driver’s license, or passport is required if instructions are submitted by the former minor
• Account Application, completed and signed by the former minor
• Notification of a Lost Share Certificate/Returning an Outstanding Share Certificate form, completed and signed by the custodian or former minor, if applicable

Joint tenancy with rights of survivorship is a form of account registration available to shareholders. Before changing to this type of registration, we recommend you talk to your financial professional, attorney, or tax advisor to decide if this type of registration is right for you.

When a joint tenancy with rights of survivorship registration is added to an account, all owners must agree in writing in order to make ownership changes to jointly owned mutual fund shares or to sever a joint tenancy.

Note: Joint tenancy with rights of survivorship registration isn’t currently allowed for shareholders residing in Louisiana.

Please call us at (800) 632-2301 with any questions.

We will need the following paperwork:

• Non-Retirement Change of Ownership Form, completed and signed by the current account owner(s) and the new account owner(s)
  • Refer to the General Registration Change section of the form for the applicable instructions and signature guarantee requirements
• Notification of a Lost Share Certificate/Returning an Outstanding Share Certificate form, completed and signed by the current account owner(s), if applicable

Once the minor on a UGMA/UTMA account reaches the applicable state’s age of termination, the custodian or the former minor may transfer the shares in the account(s) to the former minor’s sole name. Instructions are acceptable from either the custodian or the former minor.

Please call us at (800) 632-2301 with any questions.

We will need the following paperwork:

• Instruction to Terminate Custodianship form, completed and signed by the custodian or former minor
  • Refer to the Signature section of the form for the notary requirements
• Copy of birth certificate, driver’s license, or passport is required if instructions are submitted by the former minor
• Account Application, completed and signed by the former minor
• Notification of a Lost Share Certificate/Returning an Outstanding Share Certificate form, completed and signed by the custodian or former minor, if applicable

A trust is a form of account registration available to shareholders. Before changing to this type of registration, we recommend you talk to your financial professional, attorney, or tax advisor to decide if this type of registration is right for you.

Please call us at (800) 632-2301 with any questions.

We will need the following paperwork:

• Copy of the title, signature, and trustee pages of the trust document
• Non-Retirement Change of Ownership Form, completed and signed by the current account owner(s) and the new trustee(s)
  • Refer to the Signature section of the form for the notary requirements
• Notification of a Lost Share Certificate/Returning an Outstanding Share Certificate form, completed and signed by the current account owner(s), if applicable

In order to change an account’s registration due to a divorce/separation, we’ll need a few documents.

Please call us at (800) 632-2301 with any questions.

We will need the following paperwork:

• Non-Retirement Change of Ownership Form, completed and signed by the current account owner(s) with each signature guaranteed (each account owner must complete a separate form)
  • Refer to the Divorce section of the form for the applicable instructions
• Notification of a Lost Share Certificate/Returning an Outstanding Share Certificate form, completed and signed by the current account owner(s), if applicable

Making automatic purchases into your mutual fund account(s) can be part of a dollar cost averaging investment strategy.

When purchasing shares, we can electronically transfer money for a purchase directly from your bank account; eliminating delays and postage costs that could occur if you were to purchase shares by mail.

With systematic withdrawals, you can automate the sale of shares by selling on a pre-determined schedule.

When selling shares:

• Proceeds from a sale can be electronically deposited directly to your bank account.
• You can also direct proceeds from a sale to purchase shares in another fund. This choice may be appropriate if you are taking required minimum distributions from retirement accounts but still want the money to be used as part of your overall investment strategy.
• Once the sale has posted to your mutual fund account, you typically receive your money within two business days.

If you would like to link one of your bank accounts to your mutual fund account(s) so that you may use electronic funds transfer to and from your bank account to buy and sell shares, please use one of the following options:

Complete the appropriate sections of the Account Application.

If you're registered for online account access, your bank information can be added or changed by selecting the More Account Details link on your My Account list, or by clicking the fund-account number. Then click the pencil icon next to Bank Info. If you’re unable to add or change bank information online, please provide:

• Account Options Form, completed and signed by the account owner(s)
  • A pre-printed voided check or deposit slip
  • Refer to the Authorized Signatures section of the form for the signature requirements

It is important that you work closely with your financial professional when setting up electronic transfers. A financial professional can help you determine the appropriate funds for you to invest in, and also help you understand any sales charges or tax implication associated with the investment.

What you need to know:

• To wire money the same day, the funds must be received and accepted by 1:00 p.m. Pacific Time
• We don’t charge a fee for this service, but check with the sending bank to see if they do

Here are the delivery instructions you’ll need to provide to the sending bank:

What you need to know:

• When wire requests are received before 1:00 p.m. Pacific Time, the funds are generally sent the next business day
• Once wired, the money should be credited to the receiving bank between 3:00 p.m. and 5:00 p.m. Pacific Time
• We don’t charge a fee for this service, but check with the receiving bank to see if they do

Here’s the information we’ll need to wire the money:

Send us the instructions:

• Shareholder Request Form
• Provide the instructions
• Have each account owner’s signature guaranteed

• Send the completed document to one of the addresses on our form
  • The original document must be mailed when we require a signature guarantee

Accounts that carry a beneficiary designation offer one of the simplest ways to transfer assets to loved ones after your death but only if you have completed the paperwork properly and have the beneficiary information up to date. Without a current beneficiary, your assets could pass in a manner that is inconsistent with your wishes (such as to an ex-spouse) and/or be subject to a potentially lengthy probate proceeding.

It’s important to review and update the beneficiary designations on your accounts on a regular basis. You may also want to check your beneficiary designation whenever you have a major change in personal circumstances such as a divorce, marriage, adoption, the death of a spouse or birth of a child.

To ensure that your beneficiary designations meet your specific needs and address any requirements of your state law, you should obtain guidance from an attorney or estate planning professional.

To review, add or change existing beneficiary information please login to our account’s website using the Sign In icon at the top of this page. Use the menu options and navigate to ‘Beneficiary Information’.

To add or update beneficiaries on an FTIOS retirement account, please note certain state laws may apply, and you should obtain guidance from an attorney or estate planning professional.

If no beneficiary is designated on an FTIOS retirement account, the beneficiary shall be the account owner’s spouse or, if there is no surviving spouse, the account owner’s estate. To review, add or change beneficiary information on an FTIOS retirement account, please login to our account’s website using the Sign In icon at the top of this page.  Use the menu options and navigate to ‘Beneficiary Information’.

If you prefer to complete and mail a form to make changes to your beneficiary information instead of making the changes online, please have the account owner complete, sign and date the Designation of Beneficiary Form.

Resources: What You Need to Know About Beneficiary Designations

Accounts registered in a sole owner or joint tenant registration can designate one or more Transfer on Death (T/O/D) beneficiaries to take possession of the assets upon the passing of the account owner(s). The account owner(s) must be a legal resident of the United States. Please note that the ability to add a T/O/D designation depends on the laws of the account owner’s state of residence.

With a T/O/D designation, the account owner(s) remain as the owner(s) of the account(s). The account owner(s) can add or remove beneficiaries at any time, and any beneficiaries designated don’t have an ownership interest in the assets held in the account(s).

Please call us at (800) 632-2301 with any questions.

We will need the following paperwork:

• Transfer on Death Registration Form, completed, signed, and dated by each account owner
• Notification of a Lost Share Certificate/Returning an Outstanding Share Certificate form, if applicable, completed, signed, and dated by each account owner

• Power of Attorney (POA) - A legal document that designates and grants authority to an individual(s) to make certain decisions on behalf of another individual.
• Principal or Maker - The person who created the POA document.
• Attorney-in-Fact (AIF) - The individual(s) who is granted authority to perform those transactions and duties specified in the POA document.

• The document must allow the AIF to manage the property of the principal or maker.
• A health care POA is not acceptable for a Franklin Templeton account(s).
• An AIF generally cannot act for a custodian, a trustee, or an executor.
• The POA authority ends upon the death of the principal or maker.

• General POA - Grants the AIF authority to perform those transactions and duties specified in the document. This type of document typically becomes invalid upon the principal's incapacitation.
• Durable POA - Grants the AIF authority to perform those transactions and duties specified in the document. Remains in effect after the principal's incapacitation.
• Springing POA - Grants the AIF authority to perform those transactions and duties specified in the document only upon the incapacitation of the principal.

• POA document (copy)
• Power of Attorney Affidavit by Attorney-in-Fact form (Required if the POA is more than two years old)
• Shareholder Request Form, completed and signed by the principal
  • If the principal can’t sign, the AIF should sign the principal’s name followed by their signature as AIF

• Customer Identification Form, completed and signed by each AIF 
  • Provide each AIF’s name, street address, date of birth, and Social Security Number

It is important that you work closely with your financial professional when investing in a new fund. A financial professional can help you determine the appropriate funds for you to invest in, and help you understand any sales charges or tax implication associated with the investment.

• Accounts must be identically registered, or you can make an exchange into a new fund in the same share class
• You can check out our Franklin Templeton Fund Prospectuses to review a fund’s exchange policies

We can accept new investment instructions from you or your financial professional.

Please call us at (800) 632-2301 with any questions.

• To sign in to your account, navigate to the Sign In/Register icon at the top of this page and select Franklin Templeton Account.
• Under “My Accounts,” click on the desired account number
• Click on “Exchange,” then re-renter your password or answer a security question
• Follow the instructions and click “Submit”

• Give us a call at (800) 632-2301

Generally purchase options are available by online, telephone or by mail

To make an online purchase:

• To sign in, navigate to the Sign In/Register icon at the top of this page and select Franklin Templeton Account.
• On your dashboard find the account you wish to purchase into
• Click on the Buy option and follow the process

• Call us at (800) 632-2301

Generally withdrawal options are available by online, telephone or by mail

To make an online withdrawal:

• To sign in, navigate to the Sign In/Register icon at the top of this page and select Franklin Templeton Account.
• On your dashboard find the account you wish to withdraw from
• Click on the Sell option and follow the process
• The proceeds may then be sent by check to the address on file or electronically to a bank account on file
• Allow up to 10 calendar days for receipt of a check or 2-3 business days for receipt of an electronic funds transfer

To make a withdrawal by mail or phone:

• Call us at (800) 632-2301

Generally exchange options are available by online or telephone

To make an online exchange:

• To sign in, navigate to the Sign In/Register icon at the top of this page and select Franklin Templeton Account.
• On your dashboard find the account you wish to Exchange from
• Click on the Exchange option and follow the process

To make an exchange by phone:

• Call us at (800) 632-2301

We will need the following paperwork:

• Copy of the Death Certificate
• Beneficiary Transfer/Distribution Request Form, completed and signed by the surviving spouse
  • No additional documents required
• Refer to the signature page for signature guarantee requirements

Review the IRA Custodial Agreements and Disclosure Statements booklet.

Important information:

• We do not review or require a copy of the will

Once we’ve received all the required paperwork in good order, the funds will be transferred out of the decedent’s account and into an Inherited IRA (or rolled over into an IRA/Roth IRA)

We will need the following paperwork:

• Copy of the Death Certificate
• Beneficiary Transfer/Distribution Request Form, completed and signed by the beneficiary (signature must be guaranteed)

Review the IRA Custodial Agreements and Disclosure Statements booklet.

We will need the following paperwork:

• Copy of the Death Certificate
• Copy of the letters testamentary, dated by the court within the last 180 days and naming the executor(s)
• Beneficiary Transfer/Distribution Request Form, completed and signed by the executor(s) (signature must be guaranteed)

Review the IRA Custodial Agreements and Disclosure Statements booklet.

Important information:

• We do not review or require a copy of the will.

We will need the following paperwork:

• Copy of the death certificate
• Copy of trust document (including title, signature, trustee, and successor trustee pages)
• Beneficiary Transfer/Distribution Request Form, completed and signed by the trustee(s) (signature must be  guaranteed )

Review the IRA Custodial Agreements and Disclosure Statements booklet.

We will need the following paperwork:

• Copy of the death certificate
• Copy of articles of incorporation
• Copy of corporate resolution (to provide the name(s) of the authorized signer(s) for the organization with the corporate seal, if there is no such seal, this should be stated in writing on the corporate resolution)
• Beneficiary Transfer/Distribution Request Form, completed and signed by the authorized signer(s) for the organization (signature must be guaranteed)

Review the IRA Custodial Agreements and Disclosure Statements booklet. 

Upon the death of a sole owner, the account(s) can be transferred to the estate when the owner’s estate is being probated.

We will need the following paperwork:

• Copy of the Death Certificate
• Copy of the Letters Testamentary, dated by the court within the last 180 days and naming the executor(s)
• Non-Retirement Change of Ownership Form completed and signed by the executor(s)
  • Refer to the Death of An Account Owner or Trustee section of the form for the applicable instructions and signature guarantee requirements

If applicable, the following may also be required:

• Copy of Inheritance Tax Waiver or Consent to Transfer (may be required if the deceased owner legally resided in Indiana, Iowa, Ohio, Oklahoma, Pennsylvania, Puerto Rico, Rhode Island, Tennessee)
• Notification of a Lost Share Certificate/Returning an Outstanding Share Certificate form, completed and signed by the executor(s) if the account(s) has issued shares
• Outstanding Check Form, completed and signed by the executor(s) if the account(s) has an outstanding check(s)

Important information:

• We do not review or require a copy of the will

Upon the death of a sole owner, when the owner’s estate is not being probated and is subject to small estate administration, under the laws of the deceased owner’s state of legal residence, the account(s) can be re-registered to the heir(s).

To ensure an estate is eligible for small estate administration under the laws of the decedent’s state of legal residence, we recommend you contact an attorney.

We will need the following paperwork:

• Copy of Death ertificate
• A Small Estate document, properly signed and executed according to the small estate laws of the deceased shareholder’s state of legal residence
• Shareholder Request Form to specify transfer instructions and signed by each heir and have the signature(s) notarized
• Account Application completed and signed by each heir (a separate application is required for each heir)

If applicable, the following may also be required:

• Copy of Inheritance Tax Waiver or Consent to Transfer (may be required if the deceased owner legally resided in Indiana, Iowa, Ohio, Oklahoma, Pennsylvania, Puerto Rico, Rhode Island, Tennessee)
• Notification of a Lost Share Certificate/Returning an Outstanding Share Certificate form, completed and signed by each heir if the account(s) has issued shares
• Outstanding Check Form, completed and signed by each heir if the account(s) has an outstanding check(s)

Important Information:

• We do not review or require a copy of the will

Upon the death of a sole owner, the account(s) can be transferred to the estate when the owner’s estate is being probated.

We will need the following paperwork:

• Copy of the Death Certificate for the deceased tenant
• Non-Retirement Change of Ownership Form completed and signed by the surviving account owner(s)
  • Refer to the Death of An Account Owner or Trustee section of the form for the applicable instructions and signature guarantee requirements

If applicable, the following may also be required:

• Copy of Inheritance Tax Waiver or Consent to Transfer (may be required if the deceased owner legally resided in Indiana, Iowa, Ohio, Oklahoma, Pennsylvania, Puerto Rico, Rhode Island, Tennessee)
• Notification of a Lost Share Certificate/Returning an Outstanding Share Certificate form, completed and signed by the surviving account owner(s) if the account(s) has issued shares
• Outstanding Check Form, completed and signed by the surviving account owner(s) if the account(s) has an outstanding check(s) 

We will need the following paperwork to remove the deceased tenant and maintain the T/O/D beneficiary(ies):

• Copy of the Death Certificate for the deceased tenant
• Non-Retirement Change of Ownership Form completed and signed by the surviving account owner(s)
  • Refer to the Death of An Account Owner or Trustee section of the form for the applicable instructions and signature guarantee requirements
• Transfer on Death Registration Form completed and signed by the surviving account owner(s) and any new account owner(s)

If applicable, the following may also be required:

• Copy of Inheritance Tax Waiver or Consent to Transfer (may be required if the deceased owner legally resided in Indiana, Iowa, Ohio, Oklahoma, Pennsylvania, Puerto Rico, Rhode Island, Tennessee)
• Notification of a Lost Share Certificate/Returning an Outstanding Share Certificate form, completed and signed by the surviving account owner(s) if the account(s) has issued shares
• Outstanding Check Form, completed and signed by the surviving account owner(s) if the account(s) has an outstanding check(s) 

Please call us at (800) 632-2301 to notify us of the trustee(s)’s passing, and we will discuss the appropriate protections to place on the account. Upon the death of a trustee(s), the account(s) will be transferred to the successor trustee(s).

We will need the following paperwork:

• Copy of Death Certificate
• Copy of the title, signature, and successor trustee pages of the trust document
• Non-Retirement Change of Ownership Form completed and signed by each successor trustee
  • Refer to the Death of An Account Owner or Trustee section of the form for the applicable instructions and signature guarantee requirements

If applicable, the following may also be required:

• Copy of Inheritance Tax Waiver or Consent to Transfer (may be required if the deceased owner legally resided in Indiana, Iowa, Ohio, Oklahoma, Pennsylvania, Puerto Rico, Rhode Island, Tennessee)
• Notification of a Lost Share Certificate/Returning an Outstanding Share Certificate form, completed and signed by each successor trustee if the account(s) has issued shares
• Outstanding Check Form, completed and signed by each successor trustee if the account(s) has an outstanding check(s)

A beneficiary(ies) designated for non-retirement account(s).

Upon the death of an account owner or all joint tenants, the account(s) will be transferred to T/O/D beneficiary(ies).

Please call us at (800) 632-2301 to notify us of the Shareholder’s passing, and we will discuss the appropriate protections to place on the account.

We will need the following paperwork:

• Copy of Death Certificate
• Non-Retirement Change of Ownership Form completed and signed by the surviving account owner(s)
  • Refer to the Death of An Account Owner or Trustee section of the form for the applicable instructions

If applicable, the following may also be required:

• Copy of Inheritance Tax Waiver or Consent to Transfer (may be required if the deceased owner legally resided in Indiana, Iowa, Ohio, Oklahoma, Pennsylvania, Puerto Rico, Rhode Island, Tennessee)
• Notification of a Lost Share Certificate/Returning an Outstanding Share Certificate form, completed and signed by the surviving account owner(s), if applicable
• Outstanding Check Form, completed and signed by the surviving account owner(s) if the account(s) has an outstanding check(s)

Important information:

• Account(s) without pre-designated percentages, we require consistent instructions on how to divide the shares between the beneficiaries
• Account(s) with pre-designated percentages, the assets will be transferred in accordance with the pre-designated percentages
• If you are unsure if pre-designated percentages exist, call us at (800) 632-2301

You will receive a Quarterly Asset Summary Statement every quarter. This statement combines all Franklin Templeton accounts with the same Social Security number and address into one convenient account statement.

You’ll receive an Asset Summary Statement quarterly in January, April, July and October, summarizing all your transactions since the beginning of the year.

The January statement serves as your year-end statement for the prior year and should be kept as record of your account transactions for that year. Quarterly Asset Summary Statements are available online by logging into your account and clicking the “Statements & Tax Documents” link under the “Transactions” drop-down menu.

Shareholders with the same address can consolidate accounts into one statement package regardless of the Social Security number listed on the accounts. Additionally, any registered owner on the account can opt out of receiving consolidated statements. Please contact us for more details.

When you purchase, exchange, transfer and/or sell shares, you’ll receive a confirmation statement. However, money fund transactions and transactions occurring on a regular basis, such as reinvestment of dividends, automatic investments, systematic withdrawals or similar recurring automatic transactions, will not generate a confirmation statement.

Required Minimum Distribution (RMD) amounts are located on the year-end Asset Summary statement under Retirement information for the following FTIOS plan types: Traditional IRAs, Rollover IRAs, SIMPLE and SEP IRAs.

Inherited retirement accounts are subject to complex beneficiary Required Minimum Distribution (RMD) rules. The rules are dependent upon when the account owner passed away and your relationship to them. To ensure you are complying with these rules, please contact your financial professional or call us for calculation.

Each state and U.S. territory has its own laws regarding abandoned and/or unclaimed property and looks at factors like owner-initiated contact, owner-initiated account activity and/or returned mail to determine if property is unclaimed. Due to these laws, financial organizations, like Franklin Templeton, are required to report and turn over property to the account owner’s last known state of residence if certain activities do not occur concerning an account within an identified time period. The process of turning over property to the state is known as “escheatment.”

Therefore, it is very important to ensure that your account remains active, according to your state’s or territory’s specific laws.

Actions you can take to help keep your mutual fund shares safe from being escheated include:

• Ensuring that your contact information, such as your address and telephone number, is up-to-date, and notifying us immediately when it changes.
• Promptly responding to any communications from us requesting that you take action to keep your account active.

In addition, you should take one of the following actions at least once a year, which may qualify as customer initiated contact/activity in your state:

• Initiating non-automated transactions.
• Contacting us in writing or by telephone about your account.
• To sign in to your account, navigate to the Sign In/Register icon at the top of this page and select Franklin Templeton Account.
• Calling our automated telephone service, and using your PIN to access your account information.
• Cashing any dividend or redemption checks upon receipt.

NOTE: Automated transactions, such as the reinvestment of dividends or amounts paid directly to your bank account, are generally not considered account activity.

Depending on the requirements of your state of residence, and if we can’t determine if we’ve had contact with you within the time frame required by your state, we may send you a letter. The letter will ask that you take action by a specific date, by one of the following methods, to keep your account active:

• Sign and return the letter.
• Contact Shareholder Services about your account.
• Log into our designated website referenced in the letter:
  • www.stateinactivity.com/franklintempleton or www.inactiveresponse.com/franklintempleton.
  • Input the Control Number provided in the letter.

We will rely on you to respond quickly, preferably using one of the methods noted.

Each state and U.S. territory has its own requirements for individuals to find and claim escheated property. Several websites, including commercial ones, allow you to search for unclaimed property. One non-commercial site, unclaimed.org, allows you to search by individual state.

The convenience and ease of performing banking and financial transactions online also come with added vulnerability to your personal information. Identity thieves employ many methods to steal personal information such as "phishing", foreign lottery scams, cyber theft and mail theft.

We are committed to safeguarding your personal information and make this responsibility a priority. We employ strict security policies and procedures designed to protect your assets and personal information. For more information on our physical, electronic and procedural security measures, click here. To view our Privacy Policy, click here.

To avoid being a victim of identity theft and other scams, consider taking the following steps to safeguard your personal information and accounts:

• Review your account statements promptly, and immediately if you find any discrepancies or errors.
• Shred all financial statements before you dispose of them.
• Review your credit report periodically.
• Update your contact information with us and other financial institutions as needed.
• Keep all usernames, passwords and personal information private and secure. Do not share this information or allow anyone else (including family members, friends and anyone who may be working for you) to access your account online unless that person has specific authority to act for you, such as through a Power of Attorney.
• Username should be between 5 and 100 characters.
• Create strong passwords that cannot be easily guessed, and change it quarterly or at least annually. Passwords for franklintempleton.com are case sensitive, must be a minimum of 12 characters, must contain at least one digit, must contain at least one lowercase and one uppercase letter, and must contain at least one special character ! # $ & * + , - ^ _ @
• Do not provide your personal information, especially your Social Security number, to anyone over the telephone, through the mail or through email unless you know whom you are dealing with. Note: Franklin Templeton Investments will never send you an email requesting personal information.
• Do not click on links contained in unsolicited emails. Be cautious of lottery or sweepstakes solicitations offering “cash and prizes” that sound too good to be true and request that you pay a fee to participate.

• Immediately report suspected identity theft to proper law enforcement authorities, including the Federal Trade Commission.
• Contact Franklin Templeton Investments and all other financial institutions where you hold accounts.
• Request a “fraud alert” on your credit report by contacting one of the three major credit reporting agencies listed below. By law, you are entitled to a free copy of your credit report once every 12 months from these agencies.

Equifax: http://www.equifax.com or (800) 525-6285

Experian: http://www.experian.com or (888) Experian / (888) 397-3742

TransUnion: http://www.transunion.com or (800) 680-7289

Federal Trade Commission: http://www.consumer.ftc.gov/features/feature-0014-identity-theft

United States Postal Inspection Service: https://postalinspectors.uspis.gov

Financial Industry Regulatory Authority: https://www.finra.org/investors/protect-your-money

Quicken users have the ability to download 18 months of transaction history. Upon sign-in, look for the Transactions menu and select Download Transactions.

You can automatically import your fund account transactions into Quicken personal financial software.

Transaction descriptors have been expanded to provide a more consistent and accurate labeling of information.

You can also automatically import your 1099–DIV, 1099–B and 1099–R forms into your TurboTax®–assisted tax return.¹

1. You’ll need to provide your franklintempleton.com ID and password when using these services.²
2. Don’t have an ID and password? To register for access to your account, navigate to the Sign In/Register icon at the top of this page and select Franklin Templeton Account.

For questions about setting up the import process, check the support section on TurboTax.

After you import tax form information to your TurboTax return, carefully review and compare all items on your TurboTax return against the information you received on the tax forms that were mailed to you. You must ensure that all entries on those forms are correct and accounted for based on your individual tax situation. Please note that Franklin Templeton cannot provide technical assistance for TurboTax Online products. Refer to TurboTax for more information.

You’ll receive an updated summary prospectus annually for each fund in which you’re invested, describing the fund’s investment goals, risks, sales charges and expenses.

We’ll send you both an annual and semiannual shareholder report for the funds in which you are invested. These reports address how developments in the economy and financial markets may have impacted the fund. They also offer insights into the portfolio manager’s investment decisions and strategy for managing the fund. A list of the portfolio’s securities, and the fund’s complete financial statements are included in each report.

In an effort to reduce fund expenses and limit the mail shareholders receive, we identify shareholders of a fund who are members of the same family (have the same last name), and share the same address, so that the household receives only one copy of each shareholder report and prospectus. This process is called “householding” and is a common industry practice. If you’d like to opt-out of this service, please contact us.

• At a bank, savings and loan association, or credit union
• At a trust company or securities broker/dealer
• At any other “eligible guarantor institution” as defined by the Securities and Exchange Commission

Please note that most institutions will only provide a signature guarantee to their clients.

For requests that must be signature guaranteed, a notarized signature isn’t acceptable. This is because a notary doesn’t prove the authenticity of a signature or request, nor is it backed financially by the issuer. If you are unsure whether your specific request can be accepted with a notary in lieu of a signature guarantee, contact us at (800) 632-2301.

We use Dollar Weighted Rate of Return method to calculate the individual rate of return. The calculation factors in the beginning and ending account value, incoming and outgoing cash flows, and any associated fees or sales charges incurred for the time period selected.

The account must have a beginning and ending balance for the time period selected to calculate an individual Rate of Return or it will display a “-”.

Account Performance is calculated on the last business day of the prior week. If the account is closed prior to the last business day of the week, the Account Performance will use the value of the account on the closed date to calculate the final performance.

Once logged into your account, navigate to Performance under Quick Links. Select two or more accounts using the checkboxes, the select Calculate My Return button.

Change in Account Value does not include dividends and capital gains that have been paid out. The Account Performance takes into calculation changes in account value as well as any paid out dividends or capital gains.

All performance calculations require an As-Of date to calculate the performance for each period.

For example: if the As-Of date is 09/01/18, your 6 month return would include performance starting on 03/01/18.

Converted Legg Mason Account Performance calculations go back to January 1st, 2021. Legacy Franklin Templeton Account Performance calculations go back to January 1st, 2008. For accounts opened after that, we calculate from the account’s first monetary transaction (purchases/exchanges/transfers in/etc). If the account has a zero balance (closed) and reopened with a new purchase or transfer we will calculate the rate of return from the new open date.

• Beginning Value is the value of the account at the beginning of the time period selected.
• Additions are all Purchases, including Automatic Investment Plans and Exchanges/Transfers In.
• Reinvested Dividends & Capital Gains are factored into Account Performance as a neutral transaction - neither an addition nor withdrawal.
• Withdrawals are all Redemptions, including Systematic Withdrawal Plans and Exchanges/Transfers Out.
• Change in Value is the difference between the account’s beginning and ending value and does not include paid dividends and capital gains. This change in value is the result of market appreciation/depreciation and all account transactions during the time period selected.
• Ending Value is the value of the account at the end of the time period selected.
• Paid Dividends & Capital Gains are factored into the Account Performance similar to a withdrawal.

It gives a better representation on a yearly basis of the Account Performance, by showing an average of investment returns.