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Additional Brokerage Details

Standard Account

Corestone Account

Individual Retirement Account

Short Description

American Century® Brokerage standard account offers liquidity in addition to the flexibility and convenience you expect from a brokerage account. You can register your Standard brokerage account as an Individual, Joint Tenant, Trust or UGMA/UTMA account, or as a variety of business accounts.

An American Century® Brokerage Corestone Account™ offers the same liquidity, flexibility and convenience of our standard account along with a host of enhanced services tailored to investors who have met the $10,000 initial investment minimum. You can register your Corestone Account as an Individual, Joint Tenant, Trust or Estate account.

Take advantage of the tax-deferred growth that retirement plans, such as Traditional and Roth IRAs, afford. In addition to these account types, you can choose from Rollover, SEP IRA, SIMPLE IRA, or a Retirement Plan Trust option.

Minimums & Fees

Minimum Initial Investment:
$2,500

Minimum Account Balance:
$2,500

Service Fees:
A semiannual account maintenance fee may apply.
See Fees & Commissions for more information.

Minimum Initial Investment:
$10,000

Minimum Account Balance:
$10,000

Service Fees:
An annual account maintenance fee may apply. See Fees & Commissions for more information.

Minimum Initial Investment:
$2,500

Minimum Account Balance:
$2,500

Service Fees:
An annual account maintenance fee may apply. See Fees & Commissions for more information.

Money Market Sweep Account Options

Prime Money Market Fund

Capital Preservation Fund

California Tax-Free Money Market Fund

Tax-Free Money Market Fund

U.S. Government Money Market Fund

Prime Money Market Fund

Capital Preservation Fund

California Tax-Free Money Market Fund

Tax-Free Money Market Fund

U.S. Government Money Market Fund

Prime Money Market Fund

Capital Preservation Fund

U.S. Government Money Market Fund

Statements & Forms

Consolidated Statement:
Quarterly or monthly with account activity

Online Statements, Confirmations and Tax Forms:
Quarterly statements after each quarter-end; monthly if you have trading activity. Confirmations following each transaction. Tax forms annually if applicable.

Consolidated Statement:
Monthly

Online Statements, Confirmations and Tax Forms:
Quarterly statements after each quarter-end; monthly if you have trading activity. Confirmations following each transaction. Tax forms annually if applicable.

Consolidated Statement:
Quarterly or monthly with account activity

Online Statements, Confirmations and Tax Forms:
Quarterly statements after each quarter-end; monthly if you have trading activity. Confirmations following each transaction. Tax forms annually if applicable.

Cash Management

CheckWriting:
No check minimum*

Visa® Debit Card:
NO

ATM Cash Withdrawal:
NO

CheckWriting:
No check minimum

Visa® Debit Card:
YES

ATM Cash Withdrawal:
YES. There is no ATM Transaction Fee to use this card, although some banks may assess a fee for ATM usage.

Visa® Debit Card:
NO

ATM Cash Withdrawal:
NO

Other Features

ExpenseTrack Record Keeping Service:
NO

Secured Credit Line (Margin Feature):
YES

ExpenseTrack Record Keeping Service:
YES

Secured Credit Line (Margin Feature):
YES

ExpenseTrack Record Keeping Service:
NO

Secured Credit Line (Margin Feature):
NO

* No per-check minimum for accounts opened after July 2006

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The disclosure below applies to the California Tax-Free Money Market Fund, Prime Money Market Fund and the Tax-Free Money Market Fund:
Money Market Fund: You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. The fund may impose a fee upon sale of your shares. An investment in the fund is not a bank account and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The fund's sponsor is not required to reimburse the fund for losses, and you should not expect that the sponsor will provide financial support to the fund at any time, including during periods of market stress.

The disclosure below applies to the Capital Preservation Fund and the U.S. Government Money Market Fund:
Money Market Fund: You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not a bank account and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The fund's sponsor is not required to reimburse the fund for losses, and you should not expect that the sponsor will provide financial support to the fund at any time, including during periods of market stress.

This material has been prepared for educational purposes only. It is not intended to provide, and should not be relied upon for, investment, accounting, legal or tax advice.

Please consult your tax advisor for more detailed information regarding the Roth IRA or for advice regarding your individual situation.

Taxes are deferred until withdrawal if the requirements are met. A 10% penalty may be imposed for withdrawal prior to reaching age 59½.

IRA investment earnings are not taxed. Depending on the type of IRA and certain other factors, these earnings, as well as the original contributions, may be taxed at your ordinary income tax rate upon withdrawal. A 10% penalty may be imposed for early withdrawal before age 59½.

Brokerage Services are provided by American Century Brokerage, a division of American Century Investment Services, Inc., registered broker/dealer, member FINRA , SIPC .