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Individual Funds

The SMART529 Stable Value Fund	100%
The SMART529 500 Index Fund	100%

.Equity .Fixed Income

The SMART529 Stable Value Fund^1,2,3,4: This Fund seeks to maximize current income while preserving principal.
The SMART529 500 Index Fund^1,5: This Fund seeks to track the performance of a benchmark index that measures the investing return of large-capitalization stocks. This Fund invests 100% in the Vanguard 500 Index Fund.

Summary of Primary Risks

As with most stock funds, the value of your investment may go down in response to overall stock market movements and trends. You could lose money as a result of your investment.
Interest rate risk refers to the possibility that your investment may go down in value when interest rates rise.
Credit risk refers to the possibility that the issuing company may not be able to pay interest and principal when due.
Income risk is the potential for a decline in the fund's income due.
Large-capitalization stocks as a group could fall out of favor with the market, causing the fund to underperform funds that focus on small- or medium-capitalization stocks.

For more information on risks see the Offering Statement.

MUN 107383

Updated 10/04/2012

The Hartford

West Virgina College Prepaid Tuition and Savings Program Board of Trustees

Office of the State Treasurer, John Perdue. Read his Smart529 Statement.

West Virginia
State Treasurer's
website

SMART529 is a program of the West Virginia College Prepaid Tuition and Savings Program Board of Trustees and is administered by Hartford Life Insurance Company.

West Virginia provides its residents with tax advantages for investing in SMART529. If you reside in or have taxable income in a state other than West Virginia, you should consider whether your state has a qualified tuition program that offers favorable state income tax or other benefits exclusive to your state's program that are not available under the SMART529 program.

Non-qualified withdrawals are taxable as ordinary income to the extent of earnings and may also be subject to a 10% federal income tax penalty. Such withdrawals may have state income tax implications.

Investments in SMART529 are not guaranteed or insured by the State of West Virginia, the Board of Trustees of the West Virginia College Prepaid Tuition and Savings Program, the West Virginia State Treasurer's Office, Hartford Life Insurance Company, The Hartford Financial Services Group, Inc., the investment sub-advisors for the Underlying Funds or any depository institution. Investments in SMART529 are subject to investment risks, including the loss of the principal amount invested, and may not be appropriate for all investors.

Investments in SMART529 are subject to certain charges, which will reduce the value of your Account as they are incurred. Please see the Offering Statement for details of charges or fees that apply to the specific SMART529 savings plan.

This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your own tax or legal counsel for advice.

You should carefully consider the investment objectives, risks and charges and expenses of SMART529 and its Underlying Funds before investing. This and other information can be found in the Offering Statement for SMART529 and the prospectuses or other disclosure documents for the Underlying Funds, which can be obtained on this website or by calling toll-free (866) 574-3542. Please read them carefully before you invest or send money. SMART529 is distributed by Hartford Investment Financial Services, LLC. Member SIPC.

"The Hartford" is The Hartford Financial Services Group, Inc. and its subsidiaries.