Be Ready When They Are

Chances are, you have plenty of time to save for your children's or grandchildren's education. After all, it could be 15 years or more until the money is needed. But have you factored in how much college will cost then? Tuition costs are skyrocketing, rising at a rate of approximately six percent a year!

The truth is, time is on your side now. By getting a head start, you will be taking one of the most valuable steps to ensuring a good future for your child, grandchild or other loved one.

New Texas Prepaid Tuition Plan

Lock in tomorrow's college tuition costs today. The new Texas prepaid plan, the Texas Tuition Promise Fund, will give you an important opportunity to prepay and save for your child's future education. That means you can:

• Protect yourself from rising college costs.
• Help fund your child's attendance at ANY accredited public and private junior/community college as well as 4-year colleges and universities throughout the country.

The Texas Tuition Promise Fund is now open to enrollment! For more information on the plan, please visit:

www.TexasTuitionPromiseFund.com

Save Even More for College Expenses

The Texas College Savings Plan is a qualified 529 savings plan offered through the state. Managed by OFI Private Investments Inc. (OFIPI), a subsidiary of OppenheimerFunds Inc., the plan offers 20 different investment portfolios, tax-free growth of your investment and tax-free withdrawals on earnings used for qualified higher education expenses. New applications and investments in the plan are accepted year-round.

Texas Guaranteed Tuition Plan

The Texas Guaranteed Tuition Plan (formerly the Texas Tomorrow Fund) was developed to cover the cost of tomorrow's college tuition and required fees at today's prices at Texas public colleges and universities. Plan benefits are protected by a constitutional guarantee from the State of Texas.

NOTE: This plan is currently closed to new enrollment. Plan participants may view fund information and resources and log in to their accounts on the Texas Guaranteed Tuition Plan Web site.