Security Center

Critical Precautions

We need your help to make your accounts even more secure online. Please take the following steps:

• Sign up for enhanced authentication, available when you Register a User Name and Password for secure online account access.
• Promptly review all statements and confirmations received from American Century Investments^®, also available online.
• Do not share your User Name or Password with anyone.
• Regularly install the security and maintenance updates recommended by the maker of your operating system.
• Use anti-virus and firewall software and enable the feature that automatically updates this software.

Recommended Precautions

We also recommend the following to further protect your personal information.

Online

• Log out completely and close your browser when you are finished with a secure online session.
• Do not utilize your browser's "remember" user name and/or password feature.
• Secure your wireless home network and install a hardware firewall, available at your local computer store.
• Do not respond to fraudulent emails.
• Pay attention to browser cues.
• Exercise caution when downloading files to prevent malware/spyware.

Offline

• Sign up for electronic statement delivery from American Century Investments and your other financial service providers.
• Sign up for automatic deposit of any incoming payments, including payroll and Social Security.
• Protect personal information on paper documents by using a cross-cut shredder to destroy any document that contains sensitive information.
• Place any outgoing mail containing checks or personal information in a locked mailbox or take directly to the United States Post Office.
• Only carry credit cards and checkbooks that you plan to use. Store extra cards, checkbooks and sensitive documents in a locked location in your home or office.
• Regularly monitor your credit report. You can request your free report from the Federal Trade Commission .

Identity Theft Protection and Recovery Services

Looking for greater control of your identity protection and online security? You may want to consider purchasing optional identity theft and/or fraud prevention and recovery services. Two of several options available in the market are Identity Guard^® and Zander Insurance. They both offer preferred pricing discounts for clients of American Century Investments.

• Identity Theft Protection: Identity Guard^®  provides monitoring with three credit bureaus, three credit scores refreshed quarterly, and online surveillance for you and your children.
• Identity Theft Protection and Recovery: Zander Identity Theft Solutions  provides complete coverage for your whole family, including prevention, unlimited recovery services and $1 Million in expense reimbursement including stolen funds from your bank account.

These firms are not affiliated with American Century Investments and you must contact them directly to learn more about their services.

Awareness for Older Investors

As the number of older Americans grows, so does the concern for older adults targeted for financial exploitation. Elder financial exploitation involves the fraudulent or illegal actions by a caregiver, fiduciary or other individual for personal profit or gain. Or, it can result in depriving the victim of the benefits or assets they are entitled.

This abuse crosses all social, educational and economic boundaries. However, factors such as regular income, accumulated assets, trust, grief due to loss or even fear, put older adults at greater risk.

There are resources to help, including:

• U.S. Department of Health/Human Services 
• Consumer Financial Protection Bureau 
• National Center on Elder Abuse 

Additional Resources

• OnGuardOnline  (published by the Federal Trade Commission)
• Identity Theft And Your Social Security Number  (published by the Social Security Administration)
• Online Brokerage Accounts: What You Can Do to Safeguard Your Money and Your Personal Information  (published by the SEC)
• Anti-Phishing Working Group 

Trust is the foundation of any solid relationship. At American Century Investments, trust takes on even greater importance because you are entrusting your money to our care. We take that seriously and work hard to do the right thing. We apply this same integrity to protecting your accounts. We are proud to offer our Security Guarantee to individual investors in American Century Investments mutual fund accounts and American Century^® Brokerage accounts.

Our Security Guarantee is designed to provide you with peace of mind when conducting business with American Century Investments. We will reimburse your American Century account if we conclude there was unauthorized activity resulting in a loss and the activity occurred through no fault of your own. This includes making sure that the activity was not initiated by you (the account owner) or someone you allowed to access your account.

What to Do if You Suspect Fraudulent Activity on Your Account

American Century Investments maintains physical, electronic and procedural safeguards to protect your accounts from fraudulent activity. In the unlikely event you experience or suspect online fraudulent activity on your account, contact us immediately at 1-800-345-2021. We will respond swiftly by investigating any unauthorized activity you report to us, and report our findings back to you. We also will ask you to cooperate with us during our investigation and take corrective measures to protect your account from further fraudulent activity.

Security Guarantee Eligibility

You play an important role in helping us safeguard your account. Take the following steps to be eligible for this Security Guarantee:

• Do not share your User Name or Password with anyone. If you share this information with anyone, we'll consider his or her activities to have been authorized by you.
• Promptly install the security and maintenance updates recommended by the maker of your computer operating system. Use anti-virus and firewall software and enable the feature that automatically updates this software.
• Frequently check your account information and transaction history online and promptly review all communication, statements and confirmations received from American Century Investments.

Security Guarantee Limitations

Any reimbursement under this Security Guarantee is limited to direct losses from your account and does not include any tax consequences, legal fees and expenses, or any consequential, lost opportunity, special, indirect, incidental, punitive, exemplary or non-monetary damages.

This Security Guarantee does not cover the following:

• Transactions through our CheckWriting service;
• Online transactions through websites other than americancentury.com
• Account activity by any person, including, but not limited to those to whom (a) you have granted power of attorney; (b) you have granted access to your accounts; or (c) you have authorized to transact on your behalf, such as a financial advisor, its employees or agents;
• Activities in your workplace retirement or benefit account by an employer, administrator or plan sponsor representative who is authorized to access your account, but who is acting outside the scope of his or her authority;
• Activities resulting from a breach of security: (a) in an employer, administrator's or plan sponsor's systems, or (b) at a third-party entity or website with which you have shared, or authorized the sharing of, your User Name, Password and/or account number; and
• Activity resulting from your lack of diligence in establishing, maintaining or using your own computing environment.

Details and Conditions

As part of our normal business practices, we accept and process transactions initiated using your authenticated User Name and Password. If you choose to give your User Name and/or Password to another person or a third party entity, such as a "financial aggregator" that combines information about you and your accounts from multiple sources over the Internet, we will not be responsible for any losses you may incur as a result. Likewise, we cannot be responsible if you fail to take appropriate steps to protect your private information.

We will determine the type and amount of reimbursement, including whether to replace the stolen securities in your account, and may seek restitution for reimbursements made under this Security Guarantee from the person(s) or entity that committed the unauthorized activity. We may not provide reimbursement if you are reimbursed, or eligible for reimbursement, by others for the unauthorized transactions, for example, by your insurance company.

As part of our investigation, we may require you take additional steps including, but not limited to, filing a police report, completing a notarized affidavit regarding the unauthorized transactions, cooperating and answering questions from American Century Investments' personnel and law enforcement authorities, allowing us or our designee to access the computer or other access device suspected of being compromised, and signing a release form. Furthermore, we may require that you take additional steps including, but not limited to changing your User Name and Password, installing or updating anti-virus or firewall software, and/or updating your computer's operating system. We also may ask you to assign to us certain rights you may have regarding your loss and sign a release form as a condition of reimbursement. You may not otherwise assign your rights under this Security Guarantee to any other individual or party.

This Security Guarantee can be amended or terminated at any time without further notice.

This Security Guarantee is governed by the laws of the State of Missouri excluding that body of law applicable to choice of law.