The College Board's Independent College 500® Index (IC500®) is used by College Savings Bank, a Division of NexBank under license from the College Board. College Board, Independent College 500 and IC 500 are registered trademarks of the College Entrance Examination Board. The College Board, a nonprofit association, serving students, schools and colleges, is not affiliated in any way with College Savings Bank, a Division of NexBank. The financial products and services of College Savings Bank, a Division of NexBank are not issued, approved or endorsed by the College Board.

Neither College Savings Bank, a Division of NexBank nor the College Board makes any representation, express or implied as to the accuracy of the IC 500 Index or any data included therein as a measure or predictor of year-to-year changes in the cost of attending an educational institution in connection with the use of the IC 500 as described herein.





Standard & Poor’s® 500 Composite Stock Index (S&P 500®) is a registered trademark, used with permission by Standard & Poor's. The Market Measure for the InvestorSure CD is the S&P 500 Index, published by Standard & Poor’s, a division of The McGraw-Hill Companies, Inc. Because the closing market value is determined by any number of market factors affecting the S&P 500 Index, the investment return on the InvestorSure CD may be more or less than a fixed rate of interest earned from other standard CDs. If there is no change or a decrease in the market measure of the S&P 500 Index from starting market value (issue date) to the closing market value (maturity date), you will not receive an upside payment. We do not guarantee any specific rate of interest, and offers no warranty, either express or implied, that the InvestorSure CD will result in any upside payment. We disclaim any liability for damages incurred by you as a result of an InvestorSure CD, including compensatory, punitive, indirect or consequential damages (including lost profits).

The InvestorSure product is not sponsored, endorsed, sold, or promoted by Standard & Poor’s. S&P 500 makes no representation or warranty, express or implied, to the owners of this product or any member of the public regarding the advisability of investing in this Product, or the ability of the S&P 500 index to track general stock market performance.

Recent and historical rates of return on general and college inflation, Treasury bills and bonds, municipal bonds, the CollegeSure CD and the InvestorSure CD may not be indicative of future rates of return and cannot be used to predict rates of return for future interest periods.

The Montana Family Education Savings Program is not insured by the State of Montana and neither the principal investment nor the investment return is guaranteed by the State of Montana.

The Arizona Family College Savings Program is not insured by the State of Arizona and neither the principal investment nor the investment return is guaranteed by the State of Arizona.

The CollegeChoice CD 529 Savings Plan is not insured by the State of Indiana and neither the principal investment nor the investment return is guaranteed by the State of Indiana.

Participation in a 529 plan does not guarantee that a Designated Beneficiary will be admitted to any particular college or university or be allowed to continue enrollment at or graduate from a higher education institution located in Montana, Arizona or Indiana.

The Commission for each State has applied for, and has received, a ruling from the Internal Revenue Service that the program is a qualified state tuition program (QSTP) under section 529 of the Federal Internal Revenue Code.

Be advised that Federal and state tax codes change from time to time and that state tax consequences vary from state to state and may not be consistent with Federal income tax consequences. Consult your tax adviser about state and Federal income tax consequences and planning opportunities before establishing an account.

Substantial penalty for early withdrawal. Read all Disclosure Statements carefully before you invest or send money.



NexBank, SSB and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.