Brokerage Account Features

Your consolidated statement records all transactions including trades, checks cleared, Visa^® Debit Card purchases and ATM withdrawals. We can also include your brokerage IRA and identically registered regular accounts in the same envelope if you choose. Call one of our Brokerage Investment Specialists to request a Consolidated Statement Mailing form at 1-888-345-2071.

Access your account statements, transaction confirmation statements and regular tax forms for up to 18 months online. You will need to Register a User Name and Password to Log In and securely access your documents online.

Use funds from your account to pay bills or other expenses conveniently using CheckWriting.

Standard Accounts allow you to write an unlimited number of checks. You will receive 100 checks for only $10. A $25 annual fee will apply to accounts with an average month-end sweep balance below $25,000. This fee is waived for Platinum, Gold and Silver Priority Investors.

The Corestone Account allows you to write an unlimited number of checks. Your first 40 checks are free, and reorders cost only $10 for 100 checks. Corestone Account customers can write checks for any amount.

• Tracking Checks: Review your account statement to keep track of your CheckWriting activity, including which checks have cleared. Should you require a copy of a check, you may request one for a fee of $2.50 per check.

• Signatures: Checks must be signed as you designated on your account application.

• Stop Payment: You may request a stop payment on any check. However, American Century Brokerage cannot guarantee that our efforts will be successful. You will be charged a $10 fee per item for a stop payment.

• Insufficient Funds: Checks drawn on insufficient funds will be returned. Neither American Century Brokerage nor the clearing bank will be liable for any loss or expenses associated with returned checks. You will be charged a $20 fee for each check drawn on insufficient funds.

• Check Re-Order: If you need to re-order checks, call one of our Brokerage Investment Specialists at 1-888-345-2071 or return the re-order slip in your checkbook.

If you did not select the CheckWriting feature on your application, and would like to add it, please call one of our Brokerage Investment Specialists at 1-888-345-2071.

Corestone Account clients can easily make purchases using your Visa Debit Card anywhere the Visa^® or Plus^® logos are displayed.

You can use your Visa Debit Card to withdraw cash from your brokerage Corestone Account at 6,500 PNC Bank ATMs and over 43,000 surcharge-free Allpoint network ATMs that display the Visa^® or Plus^® logos.

Track the purchase price of your investments including unrealized/realized gain and loss information on covered and uncovered shares. This information will be available online, on statements and year-end summary statements (if applicable) as well as tax documents. Enhanced cost basis is included with a Corestone Account; there is an annual fee for Standard Accounts.

BillSuite enables you to view, pay and manage bills online. BillSuite is available for all Standard and Corestone Accounts that have CheckWriting at no additional charge. You may use this service by logging in to your brokerage account on americancentury.com.

Customize your tracking and make your book keeping simpler. ExpenseTrack lets you create your own categories for your Corestone Account checking and Visa expenses. Each time you write a check or use your debit card, you assign the purchase to one of the categories you created. ExpenseTrack keeps running totals of each category and reports your totals on your year-end statement.

Experience more freedom and flexibility in trading securities with a secure line of credit. Borrowing on margin lets you use the securities in your account as collateral for short-term cash loans. Using existing assets as collateral for a loan, borrowing on margin broadens your access to available cash.

You can also use margin credit for overdraft protection.

However, you may incur some risk with margin borrowing, and this feature is not for everyone. More information can be found in the Customer Agreement. You can request a copy of the Customer Agreement and/or a Margin Feature Authorization Form by calling one of our Brokerage Investment Specialists at 1-888-345-2071.

Stay on top of your account activities and market movements. Sign up for free Web Alerts, available when you're logged in to your American Century Brokerage account.

American Century^® Brokerage Web Alerts Can Help You Keep Pace

American Century Brokerage offers several different types of Web Alerts. These notifications keep you informed of changes in securities prices, as well as various events that occur in your brokerage account.

Alerts Available

• Price, Volume and News Alerts

  Stay on top of the market by tracking the latest news and activity for the securities you choose. You can receive alerts when the securities price or volume goes above or below the thresholds you define.

• Trade Alerts

  This service will send alerts to you any time you buy or sell securities for all of your accounts. For clients with taxable accounts, trade alerts are a great way to remind you to confirm your cost basis method for shares covered under the cost basis rules.

• Activity Alerts

  Receive alerts when any non-trade activity takes place in your account, such as dividends received or reinvested cash income.

• Margin Call Alerts

  We'll send you an alert when a margin call is generated. Margin call alerts are only visible for the account in which the activity or trade occurs.

Delivery Options

Choose to receive the information by email or by text message.

What Do I Need to Access Web Alerts Online?

1. An American Century Brokerage account

   • Don't have a brokerage account? Open a new brokerage account online.

2. A User Name and Password with secure online access to your brokerage account

   • Need a User Name and Password? Register here.

Steps to Access Web Alerts

1. Log In with your User Name and Password

2. If taken to the:

   • My Total Assets page, select Account Access, under the brokerage account

   • Account Summary page, select Brokerage Account Access

3. Select the Profile Settings icon on the top right

Keep your cash working for you and earn interest on your cash between transactions by choosing from four American Century Investments^® money market funds for your sweep account. Your money accrues daily dividend before purchases and after sales. We sweep non-reinvested dividends, security transaction proceeds and deposits into the fund you select on a daily basis.

With a Standard Account or Corestone Account, you can choose one of the following four American Century Investments' money market funds for your sweep account. If you are opening a retirement account, you can choose between the first two funds.

• Prime Money Market Fund seeks to earn the highest level of current income while preserving the value of your investment.

• Capital Preservation Fund is a money market fund that seeks maximum safety and liquidity. Its secondary objective is to seek to pay shareholders the highest rate of return consistent with safety and liquidity.

• California Tax-Free Money Market Fund seeks safety of principal and high current income that is exempt from federal and California income taxes.

• Tax-Free Money Market Fund seeks safety of principal and high current income that is exempt from federal income tax.

• U.S. Government Money Market Fund seeks current income while maintaining liquidity and preserving capital.

Please Note: If you do not choose a sweep fund, the Prime Money Market Fund will automatically be selected for accounts beneficially owned by natural persons or U.S. Government Money Market Fund for accounts not owned by natural persons.