Kansas Learning Quest 529 Plan

Before investing, carefully consider the plan's investment objectives, risks, charges and expenses. This information and more about the plan can be found in the Learning Quest Handbook, available by American Century Investment Services, Inc., Distributor at 1-877-345-8837, and should be read carefully before investing. If you are not a Kansas taxpayer, consider before investing whether your or the beneficiary's home state offers a 529 plan that provides its taxpayers with state tax and other benefits not available through this plan. As with any investment, it is possible to lose money by investing in this plan. The value of your Learning Quest account may fluctuate, and it is possible for the value of your account to be less than the amount you invested. Notice: Accounts established under Learning Quest and their earnings are neither insured nor guaranteed by the state of Kansas, the Kansas State Treasurer or American Century Investments. This information is for educational purposes only and is not intended as tax advice. IRS Circular 230 Disclosure: American Century Companies, Inc. and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters contained herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone unaffiliated with American Century Companies, Inc. of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties. The availability of tax or other state benefits (such as financial aid, scholarship funds and protection from creditors) may be conditioned on meeting certain requirements, such as residency, purpose for or timing of distributions, or other factors. Gift contributions received by the Learning Quest Plan will be invested according to the allocation instructions on file for the account at the time the gift contribution is transferred into it. Gift contributions transferred into the beneficiary’s account shall be governed by the terms and conditions of the Learning Quest Handbook. There may be tax consequences of gift contributions invested in a 529 account. The Plan reserves the right to invest gifts received into the beneficiary’s account regardless of whether the account has been previously closed. The earnings portion of non-qualified withdrawals is subject to federal and state income taxes and a 10% federal penalty. Please consult your tax advisor for more detailed information regarding the Roth IRA or for advice regarding your individual situation.   Taxes are deferred until withdrawal if the requirements are met. A 10% penalty may be imposed for withdrawal prior to reaching age 59 ½. Administered by the Kansas State Treasurer. Managed by American Century Investment Management, Inc.

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