You are downloading the NetBenefits XAP file v220.127.116.11 for Windows Phone. NetBenefits is a free and useful Personal Finance app: The NetBenefits® smartphone app gives you the ability to access your Fidelity workplace accounts — including retirement, stock, and pension ... You can now download the offline XAP file to install & try it.
Download Locations for NetBenefits 18.104.22.168 XAP file
Important Notice: Now Due To Unspecified Limitations, You Can Not Use The Offline XAP File To Install It Any More.
To try to install it manually from an SD card, you should choose one of the server location above to get the offline NetBenefits XAP file, move the file to your phone's SD card and then tap 'Install local apps' in the phone's App list.