Low Cost

There are no sales charges, start-up or maintenance fees. The only fees for a Path2College 529 Plan account are the total annual asset-based fees which include the annual asset-based management fee that will be paid to TIAA-CREF Tuition Financing, Inc. (TFI) to cover the cost of investment management and administrative services and the underlying mutual fund expenses. TFI is an affiliate of TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc. (TPIS), the distributors of the Path2College 529 Plan.

This fee is computed at an annual rate of less than one percent (ranging from 0.50 to 0.76%) of the average daily net assets of your account, excluding assets held in the Guaranteed Option.

The Guaranteed Option provides a guarantee of principal and a minimum rate of interest to the Board of the Georgia Higher Education Savings Plan, but not to account owners or beneficiaries. Effective March 10, 2008, transfers from the Guaranteed Option to the Money Market Option will not be permitted. (If this restriction changes, investors will be notified prior to the effective date of any such change.) No other fees or charges will be applied to your account. See fee table and sample investment cost. Please note, however, that the State reserves the right to change the current fee and impose new or additional fees, expenses, charges, or penalties in the future.

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