Increase Account Contributions

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Increase Account Contributions

SMART529 has a number of options to help you increase account contributions. Investing on a systematic schedule using either the Automatic Investment or Payroll Direct Deposit Programs will help grow the account balance — you don't even have to remember! With Ugift®, family and friends can provide the gift of college savings. And Upromise® is a service that can provide additional savings on everyday purchases.

Even smaller contributions, if made regularly, can add up over time. Learn more about these options:

Upromise is an optional service offered by Upromise, Inc., is separate from SMART529 WV Direct, and is not affiliated with the State of West Virginia or The Hartford. Specific terms and conditions apply. Participating companies, contribution levels and conditions are subject to change without notice. Transfers are subject to a $15 minimum. Upromise, Inc. is affiliated with Upromise Investments.

“Upromise” and “Ugift” are registered service marks of Upromise, Inc.

MUN 101171

Updated 07/27/2010

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 Securities Distribution Company Inc. Member SIPC.

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