Fees and Expenses
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See the Offering Statement for complete information on and definitions of fees, expenses and charges.

Option Estimated
Underlying
Fund Expenses¹		 Program
Manager Fee		 State
(WV) Fee		 Total Annual
Asset-Based
Fees

Age Based Portfolios
SMART529 WV Direct Age-Based Portfolio 0-3 0.04% 0.08% 0.00% 0.12%
SMART529 WV Direct Age-Based Portfolio 4-6 0.04% 0.08% 0.00% 0.12%
SMART529 WV Direct Age-Based Portfolio 7-9 0.04% 0.08% 0.00% 0.12%
SMART529 WV Direct Age-Based Portfolio 10-11 0.05% 0.08% 0.00% 0.13%
SMART529 WV Direct Age-Based Portfolio 12-13 0.05% 0.08% 0.00% 0.13%
SMART529 WV Direct Age-Based Portfolio 14-15 0.06% 0.08% 0.00% 0.14%
SMART529 WV Direct Age-Based Portfolio 16 0.08% 0.08% 0.00% 0.16%
SMART529 WV Direct Age-Based Portfolio 17 0.09% 0.08% 0.00% 0.17%
SMART529 WV Direct Age-Based Portfolio 18+ 0.10% 0.08% 0.00% 0.18%

Static Portfolios
SMART529 WV Direct Aggressive Growth Portfolio 0.04% 0.08% 0.00% 0.12%
SMART529 WV Direct Growth Portfolio 0.04% 0.08% 0.00% 0.12%
SMART529 WV Direct Balanced Portfolio 0.05% 0.08% 0.00% 0.13%
SMART529 WV Direct Conservative Balanced Portfolio 0.08% 0.08% 0.00% 0.16%
SMART529 WV Direct Conservative Bond Portfolio 0.10% 0.08% 0.00% 0.18%

Individual Portfolios
SMART529 WV Direct Stable Value Portfolio 0.13% 0.08% 0.00% 0.21%
SMART529 WV Direct 500 Index Portfolio 0.04% 0.08% 0.00% 0.12%

SMART529 WV Direct has no sales charges, account set-up fees or annual account maintenance charges.

1 Estimated Underlying Fund Expenses for these investment options for any given day may be more or less than the fee listed, on an annualized basis.

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SMART529 is a college savings plan offered by the Board of Trustees of the West Virginia College and Jumpstart Savings Programs and administered by Hartford Funds Management Company, LLC ("HFMC").

SMART529 Direct is available to residents of West Virginia or to non-residents where the beneficiary is a resident of West Virginia. West Virginia (WV) provides certain tax advantages to WV taxpayers that invest in SMART529 Direct. Before investing, an investor should consider whether the investor’s or designated beneficiary’s home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state’s 529 plan.

Investments in SMART529 are not guaranteed or insured by the State of West Virginia, the Board of Trustees of the West Virginia College and Jumpstart Savings Programs, the West Virginia State Treasurer's Office, HFMC, The Hartford Insurance Group, Inc., the investment sub-advisers 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, charges and expenses of SMART529 and its Underlying Funds before investing. This and other information can be found in the Offering Statement for SMART529, including privacy notices, and the prospectuses or other disclosure documents for the Underlying Funds, which can be obtained by calling (866) 574−3542. Please read them carefully before you invest or send money. SMART529 is distributed by Hartford Funds Distributors, LLC. Member SIPC.

For a copy of the West Virginia College and Jumpstart Savings Programs’ most recent Annual Comprehensive Financial Report, please click here.

"The Hartford" is The Hartford Insurance Group, Inc. and its subsidiaries.

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