Learning Quest Advisor International Growth Portfolio

The International Growth Portfolio seeks capital growth by investing in the American Century International Growth Fund. The fund invests in at least three countries worldwide (excluding the U.S.), primarily in developed markets.

1International investments may involve special risks including foreign taxation, currency fluctuations, risks associated with possible differences in financial standards, and other monetary and political risks associated with future political and economic development. Investing in emerging markets may accentuate these risks.

*For purposes of this table, underlying fund expenses are calculated using the expense ratio of each fund, taking into account any applicable reductions due to fee waivers. Expense ratios are determined from the underlying fund's most recent shareholder report. Such expense ratios are then multiplied by the portfolio's expected underlying holdings as of July 22, 2016. The actual underlying fund expenses of a portfolio may vary from those shown in this table.

Mutual funds are sold through prospectus only. No offer is being made of any of the funds discussed on this website or pursuant to this plan.