Terms and Conditions for Retirement Accounts

I/We am (are) of legal age.

I/We have read and agree to be bound by the provisions of the prospectus for the fund(s) in which I/we are investing.

I/We understand that providing my (our) email address gives American Century Investments permission to send me/us information about products and services via email.

I/We have read and understand the Service Options flyer , which is part of this application by reference. I/We authorize American Century Services, LLC ("American Century"), its affiliated companies and agents, to act upon my/our instructions provided herein.

I/We understand that any account owner is authorized to transact business on this account by telephone, online, by fax, in writing, or by any other means acceptable to American Century. This authorization applies to all current and future accounts in all investment companies in the American Century family, listed under the taxpayer identification number shown on this form.

I/We authorize American Century to use the bank account information entered for my/our initial investment on all future transactions to and from my bank, until and unless I/we provide other acceptable bank account information.

In consideration of American Century accepting this account application, I/we agree to defend, hold harmless and indemnify American Century and its officers, agents, employees, affiliates and successors from liability for any loss I/we may sustain as a result of their acting on transaction instructions they believe to be genuine.

I/We understand that American Century will use reasonable procedures to confirm that instructions submitted by any account owner online, by telephone, fax, in writing, or by any other means acceptable to American Century, are genuine, including personal identification, recording of telephone conversations and providing written or electronic confirmation of each transaction. A failure on their part to employ such procedures may subject them to liability for any loss due to unauthorized or fraudulent instructions.

I/We understand that neither American Century nor its affiliated companies or agents shall be responsible or liable for any damages related to online services including but not limited to those caused by theft, unauthorized access, failure of electronic or mechanical equipment, communications line failure or telephone or interconnectivity problems or other occurrences beyond their control.

Important Information About New Accounts: A federal law, established to help stop the funding of terrorism and money laundering activities, required financial institutions to verify the identity of each person who opens an account. American Century will verify your identity using the name, street address, date of birth and U.S. Social Security number that you provide in this application. In some instances, we may request additional documentation.

I understand and agree that upon acceptance by American Century Investments, my beneficiary designation entered here revokes all previous beneficiary designations for the account type I am opening. I understand I may change my beneficiaries at any time and the change is effective when it is received and accepted by American Century Investments, the Custodian or the plan administrator (whichever is applicable). If my beneficiary designation is not accepted, any prior designation will remain in effect.

Cost Basis Reporting Method: We will use the default method of Average Cost in reporting cost basis for redemptions of your shares purchased after January 1, 2012. If you would like us to use a different method for these purchases or elect a method for future accounts, please complete and return a Cost Basis Election Form or you may change your method online after your account is established.

Custodial Acceptance. If all required forms and information are properly submitted, State Street Bank and Trust Company will accept appointment as Custodian of the Custodial Account. However, this Agreement is not binding upon the Custodian until the Depositor has received a statement confirming the initial transaction for the Custodial Account. Receipt by the Depositor of a confirmation of the purchase of the Fund shares indicated in the Depositor's Application will serve as notification of State Street Bank and Trust Company's acceptance of appointment as Custodian of the Custodial Account. STATE STREET BANK AND TRUST COMPANY, CUSTODIAN

American Century generally delivers a single copy of fund documents (such as shareholder reports, proxies and prospectuses) to investors who share an address, even if their accounts are registered under different names. Investors who share an address may also receive account-specific documents (like statements) in a single envelope. If you prefer to receive your documents addressed individually, you must contact us at 1-844-426-2368 once your account is established to change this election. If we do not receive notice from you to change this election, you are consenting to shared household delivery of fund and account-specific documents.