W W W. C O L L E G E I N V E S T. O R G

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3 College is Expensive F O U R Y E A R S O F C O L L E G E - N A T I O N A L A V E R A G E YEARS PUBLIC IN-STATE PUBLIC OUT-OF-STATE PRIVATE TODAY (2016) $86,589 $152,451 $195,548 IN 5 YEARS $110,514 $194,568 $248,323 IN 10 YEARS $141,047 $248,323 $318,531 IN 18 YEARS $208,390 $366,886 $470,615 SOURCE: COLLEGE BOARD S 2016 TRENDS IN COLLEGE PRICING. BASED ON A HYPOTHETICAL 5% INFLATION RATE. FIGURES ARE BASED ON AN ESTIMATED AVERAGE OF CURRENT STUDENT EXPENSES INCLUDING TUITION, FEES, ROOM AND BOARD. 3

4 College is Expensive F O U R Y E A R S O F C O L L E G E - N A T I O N A L A V E R A G E PUBLIC IN-STATE $86,589 4

5 College is Expensive F O U R Y E A R S O F C O L L E G E - N A T I O N A L A V E R A G E PUBLIC IN-STATE 18 YEARS $208,390 5

6 College is Expensive F O U R Y E A R S O F C O L L E G E - N A T I O N A L A V E R A G E PUBLIC OUT-OF-STATE 18 YEARS $366,886 6

7 College is Expensive F O U R Y E A R S O F C O L L E G E - N A T I O N A L A V E R A G E PRIVATE 18 YEARS $470,615 7

8 Overlooked Opportunity? C O L L E G E I N V E S T How many people are still not using 529 plans? 13% $393.5B Amount spent on tuition Families using 529s SOURCES: CENTER ON EDUCATION AND THE WORKFORCE, GEORGETOWN UNIVERSITY: THE COLLEGE PAYOFF, AUGUST, 2011 AND RECOVERY, JUNE

9 CollegeInvest 529 Plans W E H E L P Y O U G E T T H E R E One of the most diverse programs in the nation. SCHOLARS CHOICE DIRECT PORTFOLIO SMART CHOICE STABLE VALUE PLUS Advisor Sold, Top 10 Index-Based Insured Guaranteed 5 &10-yr performance Investing Fixed-Income 2.59% PLAN MANAGERS: Legg Mason, Vanguard, FirstBank, and Brighthouse Financial, formerly known as MetLife. 9

10 Key Benefits CORPORATE P L A N 20% tax credit for employers (up to $500) 11

11 Corporate Plan E X P A N D I N G Y O U R P R O S P E C T B A S E Employer Employees 12

12 $25 Giftcard 15

13 Tax Law Update K E D U C A T I O N A L I N S T I T U T I O N S Federal tax law now allows $10,000 each year to be used for K-12 expenses 16

14 Resources for you C O L L E G E I N V E S T & A D V I S O R Y F I R M S Continuing education/529 updates Free for the firm. We will buy lunch or breakfast and come to your location. 21

15 Resources for you C O L L E G E I N V E S T & A D V I S O R Y F I R M S Client Education Events Free for the firm. Clients tend to favor a department of education presentation. 22

16 For more information BRENNAN HANNON

17 Important Considerations 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 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 principal amount invested. The guarantee of Stable Value Plus College Savings Plans is the obligation of Brighthouse Financial, formerly known as 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. Vanguard and Upromise 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 Direct Portfolio Plan. The Direct Portfolio Plan s portfolios, although they invest in Vanguard mutual funds, are not mutual funds and you could lose money by investing in the plan. 26

18 Important Considerations Legg Mason Global Asset Allocation, LLC Legg Mason Global Asset Allocation, LLC, Investment Manager for the CollegeInvest Scholars Choice College Savings Program. Legg Mason Investor Services, LLC is the primary distributor of interest in the Program; together they serve as Manager of the Program. FirstBank FirstBank 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. Brighthouse Financial, formerly known as MetLife Brighthouse Financial serves as the Investment Manager for the CollegeInvest Stable Value Plus College Savings Plan. CollegeInvest has overall responsibility for the day-to-day operations, including effecting transactions. CollegeInvest, the CollegeInvest logo, CollegeInvest Direct Portfolio College Savings Plan, Scholars Choice, CollegeInvest Smart Choice College Savings Plan, and CollegeInvest Stable Value Plus College Savings Plan are registered trademarks of CollegeInvest. Vanguard is a trademark of The Vanguard Group, Inc. Upromise is a registered service mark of Upromise, Inc. Copyright 2013 CollegeInvest. All rights reserved. 27