Compare the CollegeInvest 529 College Savings Plans:

	Direct Portfolio College Savings Plan	Scholars Choice^SM College Savings Plan	Smart Choice^SM College Savings Plan	Stable Value Plus^SM College Savings Plan
Plan Description	This plan offers different age-based options, and blended or individual portfolios.	This plan offers a range of age-based (automatic), static (selected), and zerocoupon bond investment options.	This plan offers the only FDIC-insured investment options1 that also qualify for the Colorado state income tax deduction².	This plan offers a guaranteed fixed income investment option designed to protect your principal, provide a minimum rate of return³, and provide earnings that could be greater than the minimum.
Program Manager	Partnership of Upromise Investments, Inc. The Vanguard Group, Inc.	Legg Mason Global Asset Allocation, LLC Legg Mason Investor Services, LLC	FirstBank Holding Company, Member-FDIC	Metropolitan Life Insurance Company of Connecticut (MetLife)
How to Enroll	Enroll directly with CollegeInvest .	Available exclusively through financial advisors.	Enroll directly with FirstBank.	Enroll directly with CollegeInvest.
Who Can be an Account Owner	The Account Owner must be a United States citizen, you must have a valid Social Security Number or Taxpayer Identification Number, and you must have a permanent address in the United States that is not a P.O. Box⁴. There are no age restrictions in being an Account Owner. All CollegeInvest plans are open to residents of any state. There can only be one Account Owner per account.
Changing the Beneficiary	The Account Owner may change the Beneficiary at any time without adverse tax consequences, provided the new Beneficiary is a family member of the original Beneficiary.
Minimum to Open an Account	$25 $15 with Payroll Direct Deposit.	$250 No minimum w/Payroll Direct Deposit. $5,000 for Zero-Coupon Bond Option.	No minimums	$25
Minimum Contribution	$15	$50	No minimums	$25
Maximum Contribution	All CollegeInvest plans accept contributions until the balance of all CollegeInvest accounts for the same beneficiary reaches $350,000.
Enrollment or Application Fee	There are no enrollment or application fees associated with any CollegeInvest Plans
Account Maintenance Fee	Annual Fee of $20 Exceptions: - residents of Colorado; - or, any account owner with an account balance of $10,000 or more; - or, any account owner signed up for e-Delivery of plan materials.	Annual Fee of $20 Exceptions: - residents of Colorado; - or, any account holder with an account balance of $2,500 or more.	None	None
Program Management Fee	0.46%	0.66% - 1.87% depending on the investment option and share class .⁵	None⁶	0.71%.

Footnotes to Compare CollegeInvest 529 College Savings Plans:

Smart Choice College Savings Plans are not insured by CollegeInvest, the state of Colorado, or its agencies. However, these funds are FDIC-insured in accordance with the current FDIC coverage limits.
Contributions to the Plan(s) are deductible from Colorado state income tax in the tax year of the contribution (s) , up to your Colorado taxable income for that year. Such deductions are subject to recapture in subsequent years in which non-qualified withdrawls are made.
MetLife has agreed that the annual rate calculated each year under the Funding Agreement will not be less than the greater of (i) the Colorado minimum non-forfeiture interest rate for annuity contracts or (ii) 2.00%. The actual investment return on your Account will be the annual net rate under the Funding Agreement reduced by an administrative fee deducted from your account by CollegeInvest.
For the Direct Portfolio , Scholars Choice, and Stable Value Plus Plans, Trusts, not-for-profit organizations, and local governments may also be Account Owners.
Additional Sales Charges and/or Annual Account Maintenance Fees may be applicable. Please refer to the Scholars Choice Program Disclosure Statement or your financial advisor for more information.
There will be no fee or charge deducted from amounts in your Plan account for payment of a fee or charge to FirstBank as Plan Manager . The annual interest rates for the Smart Choice Plan Options are calculated net of all administrative and other charges of FirstBank.

Investment returns are not guaranteed, and you could lose money by investing in the plans.

Important Consideration

To learn about CollegeInvest’s 529 Program, its objectives, risks, charges, expenses, limitations, restrictions and qualifications regarding the Plans’ benefits and potential tax advantages, please read and consider carefully the Program Disclosure Statements (PDS) available at www.collegeinvest.org before investing. Also, check with your or your beneficiary’s home state to learn if it offers tax or other benefits for investing in its own plan. Administered and Issued by CollegeInvest.

Investments are not guaranteed by CollegeInvest, the State of Colorado, its agencies, The Vanguard Group, Inc., Upromise Investments, Inc., Legg Mason Global Asset Allocation, LLC, or FirstBank, and may lose value including the principal amount invested. The Direct Portfolio Plan’s portfolio’s, although they may invest in Vanguard mutual funds, are not mutual funds. The guarantee of the Stable Value Plus College Savings Plan is the obligation of MetLife and only to the extent of the Funding Agreement. Smart Choice College Savings Plans are not insured by CollegeInvest, the State of Colorado, or its agencies. However, these funds are FDIC-insured in accordance with the current FDIC coverage limits.

Capacity of Dealer and Other Parties

CollegeInvest is the issuer of plan securities and is the trustee of the plans in accordance with Colorado law. CollegeInvest also oversees the Managers’ activities and provides certain administrative services such as marketing, audit, and financial statements, in connection with the plans.

Upromise Investments, Inc., serves as Plan Manager for the CollegeInvest Direct Portfolio College Savings Plan and has overall responsibility for the day-to-day operations, including effecting transactions. The Vanguard Group, Inc., also serves as Plan Manager and Investment Manager for the CollegeInvest Direct Portfolio College Savings Plan and Vanguard Marketing Corporation, an affiliate of The Vanguard Group, Inc., assists CollegeInvest with marketing and distributing the CollegeInvest Direct Portfolio Plan. Vanguard Marketing Corporation, Distributor and Underwriter.

Legg Mason Global Asset Allocation, LLC is an affiliate of Legg Mason Inc. Legg Mason, Inc., a holding company, with its subsidiaries is a global asset management firm. The firm is headquartered in Baltimore. The primary distributor for the product is Legg Mason Investor Services, LLC.

FirstBank Holding Company serves as the Plan Manager for the CollegeInvest Smart Choice College Savings Plan and has overall responsibility for the day-to-day operations, including effecting transactions. FirstBank also assists CollegeInvest with marketing and distributing the CollegeInvest Smart Choice College Savings Plan. FirstBank - Member FDIC.

MetLife serves as the Investment Manager for the CollegeInvest Stable Value Plus College Savings Plan.

CollegeInvest and the CollegeInvest logo are registered trademarks. Vanguard is a trademark of The Vanguard Group, Inc. Upromise is a registered service mark of Upromise, Inc. Direct Portfolio, Scholars Choice and Smart Choice are registered service marks of CollegeInvest.