Choose Your Path for the retirement you envision

Choose Your Path for the retirement you envision ONE CHOICE SM TARGET DATE PORTFOLIOS PRESENTATION GUIDE Choose Your Path for the retirement you envision One Choice SM Target Date Portfolios

This presentation guide has been developed to help plan sponsors and retirement advisors introduce One Choice Target Date Portfolios and educate plan participants during enrollment meetings. More information about American Century Investments and One Choice Portfolios is available by calling our internal sales desk at 1-800-345-6488 or visiting americancentury.com. Slide 1: Introduction Welcome. This presentation will introduce a new, convenient and comprehensive retirement option, One Choice Target Date Portfolios. These target-date funds that may help you do more to prepare for the retirement you envision. The portfolios are managed by American Century Investments a premier investment manager headquartered in Kansas City, Missouri. American Century Investments has been managing money for individuals and institutions since 1958. Transition: To help you determine whether or not this new retirement solution is right for you, this presentation will address five important questions. Choose Your Path for the retirement you envision One Choice SM Target Date Portfolios 1 AMERICAN CENTURY INVESTMENTS

Five Questions What is a target-date fund? Why invest in One Choice Target Date Portfolios? Who should consider a target-date fund? How do you select a target goal date? How should you prepare for the journey ahead? Transition: But before we begin to address these questions, let s take a moment to think about the retirement you envision. Five Questions 1 What is a target-date fund? 2 Why invest in One Choice Target Date Portfolios? 3 4 5 Who should consider a target-date fund? How do you select a target goal date? How should you prepare for the journey ahead? FIVE QUESTIONS 2 AMERICAN CENTURY INVESTMENTS 2

Redefine Your Prime This is an optional, simple exercise plan sponsors and retirement advisors can use to break the ice and engage plan participants in the presentation. How do you see yourself in retirement? Whether you are just starting to think about your retirement plan or approaching your retirement date, write down what this statement means to you: Optional: Ask participants to share their answers. Transition: No matter how you envision your retirement, target-date funds, like One Choice portfolios, can help you plan for your financial future. When I retire, I want to.... TRAVEL with friends learn to SURF RELAX on a beach EXPLORE the city DISCOVER new hobbies RIDE bike trails plant a GARDEN TRY a yoga class HIKE new territory SAVOR the classics FOCUS on family PLAY a musical instrument ENJOY your grandkids LEARN another language BUILD your dream home REDEFINE YOUR PRIME 3 3 AMERICAN CENTURY INVESTMENTS

What is a Target-Date Fund? A target-date fund is a single mutual fund that is broadly diversified across a mix of other stock, bond and money market mutual funds. The target date in the fund s name represents the approximate date you expect to start withdrawing your money for retirement. The principle value of the investment is not guaranteed at any time, including at the target date. An experienced portfolio team carefully selects the mix of mutual funds within the target-date fund. What is a target-date fund? STOCK FUNDS BOND FUNDS MONEY MARKET FUNDS TARGET- TARGET DATE DATE FUND FUND WHAT IS A TARGET DATE FUND? 4 AMERICAN CENTURY INVESTMENTS 4

What is a Target-Date Fund? Over time, the team automatically adjusts the mix of investments in the target-date fund, aiming more towards growth for younger investors and more towards preservation and income for investors getting closer to retirement. Each target-date One Choice portfolio seeks the highest total return consistent with its asset mix. In general, as the target year approaches, the portfolio s allocation becomes more conservative by decreasing the allocation to stocks and increasing the allocation to bonds and money market instruments. Transition: Now that you re familiar with how a targetdate fund works, let s explore some of the attributes of One Choice Target Date Portfolios. Over time, the asset mix and weightings are adjusted to be more conservative. What is a target-date fund? 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 45 40 35 30 25 20 15 10 5 Years Before Target Date Target Date 5 10 15 20 Years After Target Date WHAT IS A TARGET DATE FUND? 5 5 AMERICAN CENTURY INVESTMENTS

Why Invest in One Choice Target Date Portfolios It s important to note that target-date mutual funds do not guarantee a return or a steady retirement income stream. There s always the potential for capital loss as well as gain. One Choice Target Date Portfolios aim to provide a convenient and comprehensive retirement solution in one mutual fund. A One Choice portfolio can help you navigate your path to retirement with one straightforward investment. You ll simplify your decision process: you ll need to research only one fund, make one initial investment decision and monitor one fund over time. The American Century Investments portfolio team has carefully selected the mix of mutual funds in each One Choice portfolio and will monitor and adjust the investments over time based on their extensive market experience and in-depth research. An investment in a One Choice portfolio may help you combat volatility, the inevitable ups and downs of the market. Each One Choice portfolio invests in up to 15 mutual funds that are managed to respond differently to market conditions. This broad diversification may give you exposure to the stronger performing asset classes while reducing the effect of downturns in others. This may help balance the volatility of the portfolio. With One Choice portfolios, you re putting your money in the hands of an experienced team of investment professionals who actively invest the asset in the portfolio. American Century Investments has managed asset allocation funds since 1988. They oversee asset allocation strategies that investors use to prepare for retirement, save for college and pursue other major financial goals. These managers also benefit from the resources of a company with a track record that spans more than 50 years. Finally, One Choice Target Date Portfolios do not invest in tobacco companies. This feature is one of the many ways American Century Investments helps the global fight against cancer. Transition: Now that we ve reviewed the attributes of One Choice portfolios, here are a few considerations to help you determine whether or not this target-date fund is right for you. Why invest in One Choice Target Date Portfolios? A convenient, comprehensive retirement solution in one mutual fund that may help you: N Navigate your path to retirement. Combat volatility through diversification. Actively invest with professionals. Diversification does not assure a profit nor does it protect against loss of principal. WHY INVEST IN ONE CHOICE TARGET DATE PORTFOLIOS? 6 AMERICAN CENTURY INVESTMENTS 6

Who Should Consider a Target-Date Fund? Investing can be a time-intensive and technical process. When thinking about how you prefer to invest, here are some important questions to consider: Do you prefer to conduct your own research on individual stock, bond, money market and alternative funds? Do you feel confident selecting the funds that are right for your retirement portfolio and determining how much to invest in each fund? Do you enjoy closely following the markets? Do you have the time and expertise to closely monitor your retirement portfolio and make adjustments over time? If you answered yes to most of these questions, you re probably a do it yourself investor. However, if you would feel more confident with an investment professional building and monitoring your retirement nest egg, a target-date fund, like a One Choice portfolio, may be an excellent option to help you meet your goals. Transition: Deciding which portfolio is right for you involves two simple steps. Who should consider a target-date fund? Do It Yourself Investment Professionals Conduct research Select the funds Determine the right mix Follow the markets Monitor your portfolio Make adjustments WHO SHOULD CONSIDER A TARGET DATE FUND? 7 7 AMERICAN CENTURY INVESTMENTS

How Do You Select a Target Goal Date? Step One: Start by identifying the approximate age you will be when you hope to retire. Add your birth year and your ideal retirement age to determine your target retirement date. Step Two: Select the One Choice portfolio closest to your target retirement date. More information is available about the specific holdings, risks and other important investment characteristics for each One Choice portfolio. Transition: Once you ve selected the One Choice portfolio closest to your retirement date, you re ready to take four important steps to prepare for your journey ahead. How do you select a target goal date? STEP STEP ONE TWO 1 2 BIRTH YEAR RETIREMENT AGE TARGET DATE 1967 + 65 = 2032 One Choice Portfolios % Stocks % Bonds % Cash One Choice SM 2055 Portfolio 85.0 15.0 - One Choice SM 2050 Portfolio 82.3 17.7 - One Choice SM 2045 Portfolio 80.0 20.0 - One Choice SM 2040 Portfolio 73.4 24.1 2.5 One Choice SM 2035 Portfolio 67.0 28.0 5.0 One Choice SM 2030 Portfolio 61.0 34.0 5.0 One Choice SM 2025 Portfolio 55.0 40.0 5.0 One Choice SM 2020 Portfolio 50.0 42.5 7.5 One Choice SM In Retirement Portfolio 45.0 45.0 10.0 Based on your birth year and a retirement age of 65. HOW DO YOU SELECT A TARGET GOAL DATE? 8 AMERICAN CENTURY INVESTMENTS 8

How Should You Prepare for the Journey Ahead? Let s quickly review the important attributes of target-date funds and how investing in a One Choice Target Date Portfolio may help you: Navigate your path with one straightforward mutual fund. Combat the market s ups and downs through a broadly diversified investment. Actively invest in your retirement with a team of experienced investment professionals. Third, direct your plan investments to the One Choice portfolio closest to your retirement date. And last but most important, make automatic monthly contributions to your One Choice portfolio. Closing: Thank you for your time and attention today. I hope you ve gleaned valuable information that will help you do more to reach the retirement you envision. So what s next? First, enroll in our plan if you have not already. Second, choose the One Choice portfolio closest to your target retirement date. How should you prepare for the journey ahead? 1 2 3 4 Enroll Choose Direct Contribute HOW SHOULD YOU PREPARE FOR THE JOURNEY AHEAD? 9 9 AMERICAN CENTURY INVESTMENTS

Disclosures Disclosures Before investing, carefully consider the fund s investment objectives, risks, charges and expenses. The fund s prospectus or summary prospectus, which can be obtained by visiting americancentury.com, contains this and other information about the fund, and should be read carefully before investing. Call 1-800-345-6488 for a prospectus or summary prospectus containing this and other information. Read it carefully. The performance of the portfolios is dependent on the performance of their underlying American Century Investments funds and will assume the risks associated with these funds. The risks will vary according to each portfolio s asset allocation, and a fund with a later target date is expected to be more volatile than one with an earlier target date. The underlying funds do not invest in certain tobacco-related securities. As a result, an underlying fund may forego a profitable investment opportunity or sell a security when it may be a disadvantage to do so. Past performance is no guarantee of future results. Investment return and fund share value will fluctuate and it is possible to lose money by investing in these funds. 2015 American Century Proprietary Holdings, Inc. All rights reserved. American Century Investment Services Inc., Distributor. LEGAL 10 AMERICAN CENTURY INVESTMENTS 10

Actively Investing in Your Success Actively N Investing in Your Success Performance focus for more than 55 years Pure play business model Privately-controlled and independent Profits with a purpose ACTIVELY INVESTING IN YOUR SUCCESS 11 11 AMERICAN CENTURY INVESTMENTS

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