2018 § 408(b)(2) service provider disclosure part ii ... 2018 § 408(b)(2) service provider...

1

2018 § 408(b)(2) Service Provider Disclosure – Part II

Investor Class Plan Investment Options 12/31/2017

This document includes important information to help you compare the investment options under your retirement plan.

Document Summary

This section has two tables. Table 1 consists of performance information for investment options available from American Century Investments. This

table shows you how well the investments have performed in the past. Table 2 shows your participants the fees and expenses they will pay if they

invest in an option. For more information about any of the investments shown here, please visit americancentury.com and review the funds’

prospectus.

Table 1 - Performance Information *^

Table 1 – Variable Return Investments

Name Average Annual Total Return as of 12/31/2017

Benchmark

1 yr. 5 yr. 10 yr./ Inception

Since Date

Inception

1 yr. 5 yr. 10 yr./

Inception

STOCK

AC Alternatives Discipline Long Short

Fund (Inv)

americancentury.com/prospectus

10.79% 13.49% 13.10% 10/31/2011 21.83% 15.79% 15.52%

S&P 500 Index

AC Alternatives Equity Market Neutral

Fund (Inv)


0.72% 1.32% 0.21% 09/30/2005 0.82% 0.24% 0.34%

Bloomberg Barclays U.S. Treasury Bill 1-3 Month

Index

AC Alternatives Income Fund (Inv)


5.68% N/A 2.87% 07/31/2015 0.82% 0.24% 0.45%


Index

http://www.americancentury.com/prospectus



2



Benchmark


Since Date

Inception

1 yr. 5 yr. 10 yr./

Inception

AC Alternatives Long Short Fund (Inv)


9.54% N/A 4.94% 10/30/2015 21.83% 15.79% 14.72%

S&P 500 Index

AC Alternatives Market Neutral Value

Fund (Inv)


1.62% 2.69% 3.00% 10/31/2011 0.82% 0.24% 0.20%


Index

American Century Focused Dynamic

Growth Fund (Inv)


34.55% 15.97% 4.97% 05/31/2006 27.44% 17.00% 9.99%

S&P 500 Index

American Century Adaptive All Cap

Fund (Inv)


17.71% 14.41% 5.92% 05/31/2006 16.24% 15.01% 9.97%

S&P MidCap 400 Index

American Century Adaptive Equity

Fund (Inv)


20.97% 16.06% 5.85% 11/30/1999 21.83% 15.79% 8.50%

S&P 500 Index

American Century All Cap Growth

Fund (Inv)


24.87% 14.14% 6.77% 11/25/1983 27.44% 17.00% 9.99%

S&P 500 Growth Index

American Century Capital Value Fund

(Inv)


11.75% 12.93% 6.07% 03/31/1999 15.36% 14.24% 6.80%

S&P 500 Value Index








3



Benchmark


Since Date

Inception

1 yr. 5 yr. 10 yr./

Inception

American Century Core Equity Plus

Fund (Inv)


19.32% 14.05% 13.86% 10/31/2011 21.83% 15.79% 15.52%

S&P 500 Index

American Century Disciplined Growth

Fund (Inv)


26.06% 15.47% 8.98% 09/30/2005 27.44% 17.00% 9.99%


American Century Emerging Markets

Fund (Inv)


45.86% 7.27% 1.10% 09/30/1997 37.28% 4.35% 1.68%

MSCI Emerging Markets NR Index


Small Cap Fund (Inv)


38.34% N/A 23.14% 04/07/2016 37.28% 4.35% 24.25%

MSCI Emerging Markets NR Index

American Century Equity Growth Fund

(Inv)


21.85% 14.11% 7.74% 05/09/1991 21.83% 15.79% 8.50%

S&P 500 Index

American Century Equity Income Fund

(Inv)


13.33% 12.85% 7.95% 08/01/1994 15.36% 14.24% 6.80%

S&P 500 Value Index

American Century Focused

International Growth Fund (Inv)


33.27% N/A 16.71% 03/29/2016 27.19% 6.80% 17.91%

MSCI All Country World ex-US NR Index








4



Benchmark


Since Date

Inception

1 yr. 5 yr. 10 yr./

Inception

American Century Global Real Estate

Fund (Inv)


14.41% 6.20% 6.86% 04/29/2011 23.97% 10.80% 7.83%

MSCI All Country World NR Index

American Century Global Gold Fund

(Inv)


10.62% -10.93% -4.52% 08/17/1988 32.83% -2.49% -4.29%

MSCI World Metals & Mining NR Index

American Century Global Growth Fund

(Inv)


27.55% 11.47% 4.99% 12/01/1998 23.97% 10.80% 4.65%


American Century Global Small Cap

Fund (Inv)


38.98% N/A 26.13% 03/29/2016 23.97% 10.80% 17.90%


American Century Growth Fund (Inv)


30.09% 15.31% 8.59% 06/30/1971 27.44% 17.00% 9.99%


American Century Heritage Fund (Inv)


21.85% 12.67% 6.66% 11/10/1987 19.92% 14.93% 10.35%


American Century Income & Growth

Fund (Inv)


20.62% 14.56% 7.42% 12/17/1990 15.36% 14.24% 6.80%

S&P 500 Value Index








5



Benchmark


Since Date

Inception

1 yr. 5 yr. 10 yr./

Inception

American Century International Core

Equity Fund (Inv)


25.80% 7.89% 1.48% 11/30/2006 27.19% 6.80% 1.84%


American Century International

Discovery Fund (Inv)


40.53% 11.44% 2.49% 04/04/1994 29.30% 10.41% 4.22%

MSCI World ex-US SMID NR Index


Growth Fund (Inv)


31.03% 7.64% 2.63% 05/09/1991 27.19% 6.80% 1.84%



Opportunity Fund (Inv)


45.05% 12.88% 5.19% 06/01/2001

29.30% 10.41% 4.22%


American Century International Value

Fund (Inv)


21.27% 6.13% 1.05% 03/31/1997

27.19% 6.80% 1.84%


American Century Large Company

Value Fund (Inv)


11.12% 12.82% 6.11% 07/30/1999 15.36% 14.24% 6.80%

S& 500 Value Index

American Century Mid Cap Value

Fund (Inv)


11.58% 15.32% 10.74% 03/31/2004 12.32% 14.83% 9.46%

S&P 400 Value Index








6



Benchmark


Since Date

Inception

1 yr. 5 yr. 10 yr./

Inception

American Century Real Estate Fund

(Inv)


5.18% 8.44% 6.21% 09/21/1995 8.55% 9.90% 7.95%

S&P 1500 REIT Industry Index

American Century Select Fund (Inv)


28.93% 16.08% 8.62% 06/30/1971 27.44% 17.00% 9.99%


American Century Small Cap Growth

Fund (Inv)


25.85% 14.72% 7.36% 06/01/2001 14.79% 16.39% 10.82%

S&P SmallCap 600 Growth Index

American Century Small Cap Value

Fund (Inv)


10.26% 13.75% 9.96% 07/31/1998 11.51% 15.52% 9.99%

S&P SmallCap 600 Value Index

American Century Small Company

Fund (Inv)


10.58% 13.40% 7.22% 07/31/1998 13.23% 15.99% 10.43%

S&P SmallCap 600 Index

American Century Sustainable Equity

Fund


25.79% 15.13% 8.11% 11/30/2004 21.83% 15.79% 8.50%

S&P 500 Index

American Century Ultra Fund (Inv)


31.90% 17.07% 8.85% 11/02/1981 27.44% 17.00% 9.99%









7



Benchmark


Since Date

Inception

1 yr. 5 yr. 10 yr./

Inception

American Century Utilities Fund (Inv)


0.62% 10.54% 5.30% 03/01/1993 12.16% 13.09% 7.13%

S&P 1500 Utilities Index

American Century Value Fund (Inv)


8.47% 13.05% 7.76% 09/01/1993 15.36% 14.24% 6.80%

S&P 500 Value Index

BOND

AC Alternatives Emerging

Opportunities Total Return Fund (Inv)


8.01% N/A 8.42% 12/06/2016 8.17% 3.87 % 8.17%

Bloomberg Barclays EM USD Aggregate Index

American Century Short Duration

Inflation Protection Bond Fund (Inv)


0.73% -0.12% 2.64% 05/31/2005 3.01% 0.13% 3.53%

Bloomberg Barclays U.S. Treasury TIPS Index

American Century Inflation Adjusted

Bond Fund (Inv)


3.08% -0.29% 3.21% 02/10/1997 3.01% 0.13% 3.53%

Bloomberg Barclays U.S. Treasury TIPS Index

American Century Core Plus Fund

(Inv)


4.57% 2.23% 4.60% 11/30/2006 3.54% 2.10% 4.01%

Bloomberg Barclays U.S. Aggregate Bond Index

American Century Diversified Bond

Fund (Inv)


3.33% 1.88% 4.11% 04/01/1993 3.54% 2.10% 4.01%









8



Benchmark


Since Date

Inception

1 yr. 5 yr. 10 yr./

Inception


Debt Fund (Inv)


6.87% N/A 4.81% 07/29/2014 8.17% 3.87% 4.84%

Bloomberg Barclays EM USD Aggregate Index

American Century Ginnie Mae Fund

(Inv)


1.21% 1.09% 3.39% 09/23/1985 1.14% 0.92% 2.70%

Bloomberg Barclays U.S. Government Intermediate

Index

American Century Global Bond Fund

(Inv)


3.75% 2.66% 3.11% 01/31/2012 7.39% 0.79% 1.11%

Bloomberg Barclays Global Aggregate Index

American Century Government Bond

Fund (Inv)


2.15% 1.02% 3.23% 05/16/1980 1.14% 0.92% 2.70%

Bloomberg Barclays U.S. Government Intermediate

Index

American Century High Income Fund

(Inv)


6.91% 6.20% 0.79% 12/27/2012

Note on Performance: Performance for this investment for the

period prior to 10/02/2017 is based on a different share class for the

investment.

7.50% 5.78% 0.05%

Bloomberg Barclays U.S. Corporate High Yield

Index

American Century High-Yield Fund

(Inv)


5.96% 4.17% 6.40% 09/30/1997 7.50% 5.78% 8.03%

Bloomberg Barclays U.S. Corporate High Yield

Index

American Century International Bond

Fund (Inv)


10.41% -1.06% 1.34% 01/07/1992 7.39% 0.79% 3.09%

Bloomberg Barclays Global Aggregate Index








9



Benchmark


Since Date

Inception

1 yr. 5 yr. 10 yr./

Inception

American Century Short Duration

Strategic Income Fund (Inv)


2.81% N/A 1.77% 07/28/2014 0.84% 0.84% 0.89%

Bloomberg Barclays U.S. Government/Credit 1-3

Year Index

American Century Short Duration Fund

(Inv)


1.42% 0.98% 2.28% 11/30/2006 0.84% 0.84% 1.85%

Bloomberg Barclays U.S. Government/Credit 1-3

Year Index

American Century Short-Term

Government Fund (Inv)


0.21% 0.13% 1.21% 12/15/1982 0.45% 0.58% 1.53%

Bloomberg Barclays U.S. Government 1-3 Year

Index

American Century Strategic Income

Fund (Inv)


6.00% N/A 3.52% 07/28/2014 3.54% 2.10% 2.62%


American Century Zero Coupon 2020

Fund (Inv)


0.96% 0.80% 4.78% 12/29/1989 1.14% 0.92% 2.70%

Bloomberg Barclays U.S. Government Long Index

American Century Zero Coupon 2025

Fund (Inv)


4.62% 2.11% 5.81% 02/15/1996 8.53% 3.49% 6.49%

Bloomberg Barclays U.S. Government Long Index

BLENDED

American Century One Choice

Portfolio: Aggressive (Inv)


19.13% 10.23% 5.98% 09/30/2004 20.12% 10.78% 6.15%

S&P Target Risk Aggressive Index

23.97% 10.80% 4.65%









10



Benchmark


Since Date

Inception

1 yr. 5 yr. 10 yr./

Inception


Portfolio: Conservative (Inv)


11.09% 6.37% 5.21% 09/30/2004 11.93% 6.19% 4.29%

S&P Target Risk Moderate Index

23.97% 10.80% 4.65%



Portfolio: Moderate (Inv)


15.43% 8.47% 5.72% 09/30/2004 16.04% 8.62% 5.24%

S&P Target Risk Growth Index

23.97% 10.80% 4.65%



Portfolio: Very Aggressive (Inv)


22.78% 12.09% 6.05% 09/30/2004 20.12% 10.78% 6.15%


23.97% 10.80% 4.65%



Portfolio: Very Conservative (Inv)


6.46% 4.12% 4.22% 09/30/2004 9.87% 4.85% 4.14%

S&P Target Risk Conservative Index

23.97% 10.80% 4.65%


American Century Strategic Allocation

Aggressive (Inv)


19.24% 9.94% 5.72% 02/15/1996 20.12% 10.78% 6.15%



Conservative (Inv)


10.83% 6.03% 4.86% 02/15/1996 11.93% 6.19% 4.29%



Moderate (Inv)


15.13% 8.20% 5.45% 02/15/1996 16.04% 8.62% 5.24%

S&P Target Risk Growth Index








11



Benchmark


Since Date

Inception

1 yr. 5 yr. 10 yr./

Inception

American Century One Choice In-

Retirement Portfolio (Inv)


10.21% 6.25% 5.14% 08/31/2004 8.54% 4.86% 4.12%

S&P Target Date Retirement Income Index

3.54% 2.10% 4.01%


American Century One Choice 2020

Portfolio (Inv)


10.92% 6.80% 5.45% 05/30/2008 12.80% 7.92% 5.65%

S&P Target Date 2020 Index

23.97% 10.80% 5.16%



Portfolio (Inv)


12.27% 7.43% 5.27% 08/31/2004 14.55% 8.76% 5.53%


23.97% 10.80% 4.65%



Portfolio (Inv)


13.51% 8.15% 5.82% 05/30/2008 16.19% 9.57% 6.18%


23.97% 10.80% 5.16%



Portfolio (Inv)


14.71% 8.89% 5.59% 08/31/2004 17.78% 10.29% 5.90%


23.97% 10.80% 4.65%



Portfolio (Inv)


16.07% 9.60% 6.48% 05/30/2008 18.87% 10.78% 6.56%


23.97% 10.80% 5.16%



Portfolio (Inv)


17.51% 10.26% 6.06% 08/31/2004 19.56% 11.15% 6.06%


23.97% 10.80% 4.65%









12



Benchmark


Since Date

Inception

1 yr. 5 yr. 10 yr./

Inception


Portfolio (Inv)


18.59% 10.60% 6.67% 05/30/2008 20.18% 11.48% 6.77%


23.97% 10.80% 5.16%



Portfolio (Inv)


19.04% 10.87% 9.36% 03/31/2011 20.48% 11.70% 9.65%


23.97% 10.80% 8.37%



Portfolio (Inv)


19.31% N/A 13.66% 09/30/2015 20.48% 11.70% 15.50%


23.97% 10.80% 16.29%


American Century Balance Fund (Inv)


14.05% 8.86% 6.40% 10/20/1988 16.04% 8.62% 5.24%


American Century Multi-Asset Real

Estate Fund (Inv)


10.71% 0.34% 1.03% 04/30/2010

9.87% 4.85% 5.12%

S&P Target Risk Conservative Index

American Century Multi-Asset Income

Fund (Inv)


9.94% N/A 5.66% 12/01/2014

11.93% 6.19% 5.36%


CASH/STABLE VALUE

American Century Capital Preservation

Fund (Inv)


0.42% 0.09% 0.21% 10/13/1972 0.82% 0.24% 0.34%


Index








13



Benchmark


Since Date

Inception

1 yr. 5 yr. 10 yr./

Inception

American Century US Government

Money Market Fund (Inv)


0.45% 0.10% 0.39% 04/01/1993 0.82% 0.24% 0.34%


Index

American Century Prime Money

Market Fund (Inv)


0.59% 0.15% 0.40% 11/17/1993 0.82% 0.24% 0.34%


Index

Table 2 - Fee and Expense Information

Table 2 – Fees and Expenses

Name / Type of Option Total Annual Gross

Operating Expense

As a Per

% $1000

Shareholder Type Fees

STOCK

AC Alternatives Discipline Long Short Fund

(Inv) 2.05% $20.50

Sales charge 0% Redemption fee: 0% Deferred sales charge 0%

Purchase fee 0%

AC Alternatives Equity Market Neutral Fund

(Inv) 2.92% $29.20


Purchase fee 0%

AC Alternatives Income Fund (Inv) 2.07% $20.70


Purchase fee 0%



14



Operating Expense

As a Per

% $1000


AC Alternatives Long Short Fund (Inv) 3.15% $31.50


Purchase fee 0%

AC Alternatives Market Neutral Value Fund

(Inv) 3.96% $39.60


Purchase fee 0%

American Century Focused Dynamic Growth

Fund (Inv) 1.10% $11.00


Purchase fee 0%

American Century Adaptive All Cap Fund (Inv) 1.15% $1150 Sales charge 0% Redemption fee: 0% Deferred sales charge 0%

Purchase fee 0%

American Century Adaptive Equity Fund (Inv) 1.25% $12.50 Sales charge 0% Redemption fee: 0% Deferred sales charge 0%

Purchase fee 0%

American Century All Cap Growth Fund (Inv) 1.00% $10.00 Sales charge 0% Redemption fee: 0% Deferred sales charge 0%

Purchase fee 0%

American Century Capital Value Fund (Inv) 1.10% $11.00 Sales charge 0% Redemption fee: 0% Deferred sales charge 0%

Purchase fee 0%

American Century Core Equity Plus Fund (Inv) 1.97% $19.70 Sales charge 0% Redemption fee: 0% Deferred sales charge 0%

Purchase fee 0% American Century Disciplined Growth Fund

(Inv) 1.02% $10.20


Purchase fee 0% American Century Disciplined Growth Plus

Fund (Inv) 1.91% $19.10


Purchase fee 0%

American Century Emerging Markets Fund

(Inv) 1.64% $16.40


Purchase fee 0%

American Century Emerging Markets Small

Cap Fund (Inv) 1.66% $16.60


Purchase fee 0%

American Century Equity Growth Fund (Inv) 0.67% $6.70


Purchase fee 0% American Century Equity Income Fund (Inv)

0.93% $9.30 Sales charge 0% Redemption fee: 0% Deferred sales charge 0%

Purchase fee 0%

15



Operating Expense

As a Per

% $1000


American Century Focused International

Growth Fund (Inv) 1.24% $12.40


Purchase fee 0%

American Century Global Real Estate Fund

(Inv) 1.21% $12.10


Purchase fee 0%

American Century Global Gold Fund (Inv) 0.67% $6.70


Purchase fee 0% American Century Global Growth Fund (Inv)


Purchase fee 0% American Century Global Small Cap Fund (Inv)


Purchase fee 0% American Century Growth Fund (Inv)


Purchase fee 0% American Century Heritage Fund (Inv)


Purchase fee 0% American Century Income & Growth Fund

(Inv) 0.67% $6.70


Purchase fee 0%

American Century International Core Equity

Fund (Inv) 1.16% $11.60


Purchase fee 0%

American Century International Discovery Fund

(Inv) 1.65% $16.50


Purchase fee 0%

American Century International Growth Fund

(Inv) 1.18% $11.80


Purchase fee 0%

American Century International Opportunities

Fund (Inv) 1.74% $17.40


Purchase fee 0%

American Century International Value Fund

(Inv) 1.32% $13.20


Purchase fee 0%

American Century Large Cap Value Fund (Inv) 0.83% $8.30


Purchase fee 0% American Century Mid Cap Value Fund (Inv)


Purchase fee 0%

16



Operating Expense

As a Per

% $1000


American Century Real Estate Fund (Inv) 1.14% $11.40


Purchase fee 0% American Century Select Fund (Inv)


Purchase fee 0% American Century Small Cap Growth Fund

(Inv) 1.36% $13.60


Purchase fee 0%

American Century Small Cap Value Fund (Inv) 1.25% $12.50


Purchase fee 0% American Century Small Company Fund (Inv)


Purchase fee 0% American Century Sustainable Equity Fund

(Inv) 1.00% $10.00


Purchase fee 0%

American Century Ultra Fund (Inv) 0.98% $9.80


Purchase fee 0% American Century Utilities Fund (Inv)


Purchase fee 0% American Century Value Fund (Inv)


Purchase fee 0%

BOND

AC Alternatives Emerging Opportunities Total

Return Fund (Inv) 1.31% $13.10


Purchase fee 0%

American Century Short Duration Inflation

Protection Bond Fund (Inv) 0.57% $5.70


Purchase fee 0%

American Century Inflation Adjusted Bond

Fund (Inv) 0.47% $4.70


Purchase fee 0%

American Century Core Plus Fund (Inv) 0.68% $6.80


Purchase fee 0% American Century Diversified Bond Fund (Inv)


Purchase fee 0% American Century Emerging Markets Debt

Fund (Inv) 0.97% $9.70


Purchase fee 0%

17



Operating Expense

As a Per

% $1000


American Century Ginnie Mae Fund (Inv) 0.55% $5.50


Purchase fee 0% American Century Global Bond Fund (Inv)


Purchase fee 0% American Century Government Bond Fund

(Inv) 0.47% $4.70


Purchase fee 0%

American Century High Income Fund (Inv) 0.78% $7.80


Purchase fee 0% American Century High-Yield Fund (Inv)


Purchase fee 0% American Century International Bond Fund

(Inv) 0.80% $8.00


Purchase fee 0%

American Century Short Duration Strategic

Income Fund (Inv) 0.81% $8.10


Purchase fee 0%

American Century Short Duration Fund (Inv) 0.60% $6.00


Purchase fee 0% American Century Short-Term Government

Fund (Inv) 0.55% $5.50


Purchase fee 0%

American Century Strategic Income Fund (Inv) 0.87% $8.70


Purchase fee 0%

American Century Zero Coupon 2020 Fund

(Inv) 0.56% $5.60


Purchase fee 0%

American Century Zero Coupon 2025 Fund

(Inv) 0.56% $5.60


Purchase fee 0%

BLENDED

American Century One Choice Portfolio:

Aggressive (Inv) 0.99% $9.90


Purchase fee 0%


Conservative (Inv) 0.81% $8.10


Purchase fee 0%

18



Operating Expense

As a Per

% $1000



Moderate (Inv) 0.90% $9.00


Purchase fee 0%

American Century One Choice Portfolio: Very



Purchase fee 0%

American Century One Choice Portfolio: Very



Purchase fee 0%




Purchase fee 0%




Purchase fee 0%


Moderate (Inv) 1.07% $10.70


Purchase fee 0%

American Century One Choice In-Retirement

Portfolio (Inv) 0.79% $7.90


Purchase fee 0%

American Century One Choice 2020 Portfolio

(Inv) 0.79% $7.90


Purchase fee 0%


(Inv) 0.83% $8.30


Purchase fee 0%


(Inv) 0.86% $8.60


Purchase fee 0%


(Inv) 0.88% $8.80


Purchase fee 0%


(Inv) 0.91% $9.10


Purchase fee 0%


(Inv) 0.94% $9.40


Purchase fee 0%


(Inv) 0.97% $9.70


Purchase fee 0%

19



Operating Expense

As a Per

% $1000



(Inv) 0.98% $9.80


Purchase fee 0%


(Inv) 0.98% $9.80


Purchase fee 0%

American Century Balanced Fund (Inv) 0.91% $9.10 Sales charge 0% Redemption fee: 0% Deferred sales charge 0%

Purchase fee 0%

American Century Multi-Asset Real Estate

Fund (Inv) 1.13% $11.30


Purchase fee 0%

American Century Multi-Asset Income Fund

(Inv) 1.33% $13.30


Purchase fee 0%

CASH/STABLE VALUE

American Century Capital Preservation Fund

(Inv) 0.48% $4.80


Purchase fee 0%

American Century US Government Money

Market (Inv) 0.46% $4.60


Purchase fee 0%

American Century Prime Money Market (Inv) 0.58% $5.80


Purchase fee 0%

*You should consider the fund’s investment objectives, risks, charges and expenses carefully before you invest. 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.

^ Data presented reflect past performance. Past performance is no guarantee of future results. Current performance may be higher or lower than the performance shown.

Investment return and fund share value will fluctuate, and redemption value may be more or less than original cost. To obtain performance data current to the most recent

month-end, please call 1-800-345-3533 or visit americancentury.com. Performance reflects Investor Class shares. For information about other share classes available,

please consult the prospectus. Data assumes reinvestment of dividends and capital gains.

2018 § 408(b)(2) service provider disclosure part ii ... 2018 § 408(b)(2) service provider...

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