New York s 529 Advisor-Guided College Savings Program

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1 New York s 529 Advisor-Guided College Savings Program Transition Guide INHERIT THE THINKING OF J.P. MORGAN

2 Your college savings plan is changing for the better In May 2012, J.P. Morgan will become the new investment manager and distributor for New York s 529 College Savings Program Advisor Plan, which will be renamed New York s 529 Advisor-Guided College Savings Program ( Advisor-Guided Plan or Plan ). Upromise Investments will remain the program manager for the Plan.

3 The transition gives you access to J.P. Morgan s global resources and capabilities: Over a century of experience serving institutional and individual investors and their advisors worldwide More than $1.3 trillion in AUM 1 Sixth-largest mutual fund firm in the U.S. 2 More than 720 investment professionals in 23 countries 3 Nearly 300 career research analysts globally, averaging 15 years experience 3 Pursue your college goals with J.P. Morgan 1 Based on assets under management for the Asset Management (JPMAM, PB, PWM, Bear Stearns PCS) division of JPMorgan Chase & Co. as of December 31, Lipper, Inc., June J.P. Morgan Asset Management, December 31, What s inside Transition overview page 2 How your investments will change page 3 Transfer of Plan assets page 4 Understanding your new investments page 7 Transition timeline page 10 After the transition page 11 Enhanced Plan website page 12 How to contact us page 13

4 Transition overview In May 2012, the role of investment manager for New York s 529 College Savings Program Advisor Plan will transition from Columbia Management to J.P. Morgan. You will receive new investment options and online services while keeping the Plan features that benefit you most. The information provided in this guide is intended to be a summary of planned changes. Please refer to the Advisor-Guided Plan Disclosure Booklet for more details. What s changing? New investment manager: J.P. Morgan Asset Management, Inc. New Plan distributor: JPMorgan Distribution Services, Inc. New Plan name: New York s 529 Advisor-Guided College Savings Program Expanded investments: - Similar multi-asset portfolios with new underlying investments - New individual portfolios investing in single asset classes - New exchange traded funds from State Street Global Advisors Lower fees on average Enhanced customer services and online capabilities at What s staying the same? Your account number Upromise Investments serving as program manager Tax-advantaged investing 1 Special tax breaks for New York taxpayers 2 Plan benefits such as high contribution limits, flexibility and control over assets Access to your advisor s guidance and support 1 Earnings on non-qualified withdrawals may be subject to federal income tax and a 10% federal penalty tax, as well as state and local income taxes. 2 State tax-deductible contributions may be subject to recapture in certain circumstances, such as rollovers to another state s plan or non-qualified withdrawals. What do you need to do? During the transition, your assets will move to new investments closely matching your current holdings and share classes (see pages 4-6 for details). This transfer will happen automatically, but there are steps you should take throughout the process: Review and become familiar with your new investments Plan ahead for necessary withdrawals needed for college expenses during or near the transition period (May 1 9) Talk to your financial advisor about making the most of Plan enhancements Create a new log-in at to access your account online beginning May 9 2 new york s 529 advisor-guided college savings program

5 How your investments will change * For more information about underlying investments and individual portfolios, please refer to the Advisor-Guided Plan Disclosure Booklet. It includes details on each investment s objective, strategy, risks and fees. Please note that, the new investments are not available for purchase until the transition is complete, on or around May 8, Many options in J.P. Morgan s new investment lineup will be similar to current Advisor Plan offerings. What s changing is each portfolio s underlying investments and managers. In addition, the enhanced investment lineup will feature new individual portfolios made up of single asset classes. Some will closely match current Plan offerings, others will be new options for investors to consider. * Your account balances will move to those investments most closely matching your current holdings and share classes. The transfer of assets will happen automatically. Neither you nor your financial advisor needs to initiate the transfer. See the detailed timeline on page 10 for information about key dates. J.P. Morgan Asset Management J.P. Morgan Asset Management is a leading investment manager for institutions, financial intermediaries and individual investors worldwide. With a heritage of more than a century, a broad range of core and alternative strategies, and investment professionals operating in every major world market, we offer investment experience and insight aimed at helping you reach your investment goals. Global Multi-Asset Group (GMAG) Within J.P. Morgan, the Global Multi-Asset Group (GMAG) develops a broad range of tailored portfolios and target date strategies. For Advisor-Guided Plan portfolios, GMAG will allocate assets, select J.P. Morgan underlying investments, monitor holdings and make adjustments based on each portfolio s risk-return objectives and changing market conditions. State Street Global Advisors Funds Management (SSgA FM) SSgA FM manages the exchange traded fund portfolios available in the new investment line up. They have attained industry leadership with the SPDR family of ETFs, including first-to-market launches with gold, international real estate and fixed income and sector ETFs. 1 1 SPDR is a registered trademark of Standard & Poor s Financial Services LLC ( S&P ) and has been licensed for use by State Street Corporation. No financial product offered by State Street Corporation or its affiliates is sponsored, endorsed, sold or promoted by S&P or its affiliates, and S&P and its affiliates make no representation, warranty or condition regarding the advisability of buying, selling or holding units/shares in such products. Further limitations and important information that could affect investors rights are described in the prospectus for the applicable product. new york s 529 advisor-guided college savings program 3

6 Transfer of Plan assets Age-based portfolios The transition of assets will be determined by an account beneficiary s age on the date of transition, on or about May 7, If you currently invest in: Your balance will Automatically transfer to: Aggressive Growth Portfolio (age 0-4) JPMorgan 529 Aggressive Age-Based Portfolio (Age 0-5) Growth Portfolio (age 5-8) JPMorgan 529 Aggressive Age-Based Portfolio (Age 0-5) JPMorgan 529 Moderate Growth Age-Based Portfolio (Age 6-9) Moderate Growth Portfolio (age 9-12) JPMorgan 529 Moderate Growth Age-Based Portfolio (Age 6-9) JPMorgan 529 Moderate Age-Based Portfolio (Age 10-12) Balanced Portfolio (age 13-15) JPMorgan 529 Conservative Growth Age-Based Portfolio (Age 13-14) JPMorgan 529 Conservative Age-Based Portfolio (Age 15-17) Conservative Portfolio (age 16-18) JPMorgan 529 Conservative Age-Based Portfolio (Age 15-17) JPMorgan 529 College Age-Based Portfolio (Age 18 and over) College Portfolio (age 19+) JPMorgan 529 College Age-Based Portfolio (Age 18 and over) Lower Plan fees On average, Plan fees will be lower, putting more money to work toward your college goals. * * Total Plan fees include the weighted average expense ratio of underlying investments, program fees, distribution and service fees, as applicable. Expense ratios may change and are subject to change because of tactical allocations and market fluctuations. Following the automatic transfer of assets, some accounts may be invested in portfolios with higher expenses. Please review the Advisor-Guided Plan Disclosure Booklet for updated fee and share class information. 4 new york s 529 advisor-guided college savings program

7 Asset allocation portfolios If you currently invest in: Aggressive Growth NY 529 Portfolio Growth NY 529 Portfolio Moderate Growth NY 529 Portfolio Balanced NY 529 Portfolio Conservative NY 529 Portfolio College NY 529 Portfolio Diversified Income NY 529 Portfolio Current Income NY 529 Portfolio Your balance will Automatically transfer to: JPMorgan 529 Aggressive Portfolio JPMorgan 529 Moderate Growth Portfolio JPMorgan 529 Moderate Portfolio JPMorgan 529 Conservative Growth Portfolio JPMorgan 529 Conservative Portfolio JPMorgan 529 College Portfolio JPMorgan 529 All Fixed Income Portfolio JPMorgan 529 Prime Money Market Portfolio* *The Portfolio s investment in the JPMorgan Prime Money Market Fund is neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although the JPMorgan Prime Money Market Fund seeks to preserve the value of your investment at $1.00 per share, it is possible that the Portfolio may lose money by investing in the Fund. Important notes about your account transfer The transfer will not be subject to any taxes, penalties, sales charges or account fees. It also will not count toward your once-per-calendar-year limit on changing investments. Please consult your advisor if you would like to make changes to your investments. new york s 529 advisor-guided college savings program 5

8 Transfer of Plan assets (continued) Individual portfolios If you currently invest in: Columbia Acorn NY 529 Portfolio Columbia Acorn Select NY 529 Portfolio Columbia Acorn USA NY 529 Portfolio Columbia Equity Value NY 529 Portfolio Columbia Large Cap Value NY 529 Portfolio Columbia Marsico Growth NY 529 Portfolio Columbia Mid Cap Value NY 529 Portfolio Columbia Small Cap Value NY 529 Portfolio Columbia Small Cap Core NY 529 Portfolio Columbia Thermostat NY 529 Portfolio Columbia Intermediate Bond NY 529 Portfolio Columbia Strategic Income NY 529 Portfolio Premiere Aggressive Growth NY 529 Portfolio Premiere Large Cap Value NY 529 Portfolio Premiere Global Allocation NY 529 Portfolio Premiere International Equity NY 529 Portfolio Your balance will Automatically transfer to: SSgA 529 S&P 600 Small Cap ETF Portfolio JPMorgan 529 Growth Advantage Portfolio JPMorgan 529 Small Cap Growth Portfolio JPMorgan 529 Equity Income Portfolio JPMorgan 529 Equity Income Portfolio JPMorgan 529 Large Cap Growth Portfolio JPMorgan 529 Mid Cap Value Portfolio JPMorgan 529 Small Cap Value Portfolio SSgA 529 S&P 600 Small Cap ETF Portfolio JPMorgan 529 Moderate Portfolio JPMorgan 529 Core Bond Portfolio JPMorgan 529 Core Bond Portfolio JPMorgan 529 Growth Advantage Portfolio JPMorgan 529 Equity Income Portfolio JPMorgan 529 Moderate Portfolio JPMorgan 529 International Equity Portfolio Opportunities to further diversify Many individual portfolios in the new investment lineup do not correspond to an existing Advisor Plan option, including: JPMorgan 529 Realty Income Portfolio JPMorgan 529 Short Duration Bond Portfolio JPMorgan 529 Real Return Portfolio SSgA 529 Dow Jones Total Market ETF Portfolio SSgA 529 MSCI ACWI ex-us ETF Portfolio SSgA 529 S&P World ex-us ETF Portfolio 6 new york s 529 advisor-guided college savings program

9 Understanding your new investments J.P. Morgan will offer new investment choices with broader diversification. As before, the Advisor-Guided Plan will feature three different approaches to accommodate the way you like to invest. 1. Age-based portfolios Your assets start in a diversified portfolio appropriate for the account beneficiary s age. As the beneficiary gets older and your investing timeframe shortens, the portfolio mix automatically becomes more conservative. Progression of the age-based portfolios JPMorgan 529 Aggressive Age-Based Portfolio [Age 0-5] JPMorgan 529 Moderate Growth Age-Based Portfolio [Age 6-9] JPMorgan 529 Moderate Age-Based Portfolio [Age 10-12] JPMorgan 529 Conservative Growth Age-Based Portfolio [Age 13-14] JPMorgan 529 Conservative Age-Based Portfolio [Age 15-17] JPMorgan 529 College Age-Based Portfolio [Age 18 and over] E E E E E 49.00% 8.00% 7.00% 31.00% 5.00% 0.00% 43.50% 7.00% 6.50% 28.00% 15.00% 0.00% 35.00% 5.50% 5.00% 22.50% 32.00% 0.00% 24.50% 4.00% 3.50% 15.00% 53.00% 0.00% 17.00% 3.00% 2.50% 10.50% 57.00% 10.00% 8.00% 1.50% 1.00% 4.50% 45.00% 40.00% UNDERLYING INVESTMENTS U.S. Large/Multi Cap Equity JPMorgan Growth Advantage Fund JPMorgan Value Advantage Fund JPMorgan U.S. Equity Fund SPDR Dow Jones Total Market ETF U.S. Small Cap Equity JPMorgan Small Cap Growth Fund JPMorgan Small Cap Value Fund SPDR S&P 600 Small Cap ETF REITs JPMorgan Realty Income Fund International & Emerging Markets Equity JPMorgan International Opportunities Fund JPMorgan International Equity Fund JPMorgan Emerging Markets Equity Fund JPMorgan Emerging Economies Fund SPDR S&P World ex-u.s. ETF SPDR S&P Emerging Markets ETF Fixed Income JPMorgan Core Bond Fund JPMorgan High Yield Bond Fund JPMorgan Emerging Markets Debt Fund JPMorgan Short Duration Bond Fund JPMorgan Real Return Fund SPDR Barclays Capital Aggregate Bond ETF Money Market JPMorgan Prime Money Market Fund The asset allocation shown in the above chart represents strategic allocations and therefore may be modified over short to intermediate term. Diversification does not guarantee investment returns and does not eliminate the risk of loss. new york s 529 advisor-guided college savings program 7

10 Understanding your new investments (continued) 2. asset allocation portfolios Similar to the age-based option, these portfolios are broadly diversified across asset classes and managers. The difference is that your asset mix in an asset allocation portfolio stays the same until you decide to switch to a different investment pursuing a different objective. Asset allocation portfolio options JPMorgan 529 Aggressive Portfolio JPMorgan 529 Moderate Growth Portfolio JPMorgan 529 Moderate Portfolio JPMorgan 529 Conservative Growth Portfolio 49.00% 8.00% 7.00% 31.00% 5.00% 0.00% 43.50% 7.00% 6.50% 28.00% 15.00% 0.00% 35.00% 5.50% 5.00% 22.50% 32.00% 0.00% 24.50% 4.00% 3.50% 15.00% 53.00% 0.00% JPMorgan 529 Conservative Portfolio JPMorgan 529 College Portfolio JPMorgan 529 All Fixed Income Portfolio % 3.00% 2.50% 10.50% 57.00% 10.00% 8.00% 1.50% 1.00% 4.50% 45.00% 40.00% % UNDERLYING INVESTMENTS U.S. Large/Multi Cap Equity JPMorgan Growth Advantage Fund JPMorgan Value Advantage Fund JPMorgan U.S. Equity Fund SPDR Dow Jones Total Market ETF U.S. Small Cap Equity JPMorgan Small Cap Growth Fund JPMorgan Small Cap Value Fund SPDR S&P 600 Small Cap ETF REITs Fixed Income JPMorgan Realty Income Fund International & Emerging Markets Equity JPMorgan International Opportunities Fund JPMorgan International Equity Fund JPMorgan Emerging Markets Equity Fund JPMorgan Emerging Economies Fund SPDR S&P World ex-u.s. ETF SPDR S&P Emerging Markets ETF JPMorgan Core Bond Fund JPMorgan High Yield Bond Fund JPMorgan Emerging Markets Debt Fund JPMorgan Short Duration Bond Fund JPMorgan Real Return Fund SPDR Barclays Capital Aggregate Bond ETF 1 All fixed income portfolio JPMorgan Core Bond Fund JPMorgan Short Duration Bond Fund JPMorgan Real Return Fund Money Market JPMorgan Prime Money Market Fund The asset allocation shown in the above chart represents strategic allocations and therefore may be modified over short to intermediate term. Diversification does not guarantee investment returns and does not eliminate the risk of loss. 8 new york s 529 advisor-guided college savings program

11 3. Individual portfolios For maximum flexibility in meeting your individual needs, you and your financial advisor can also decide to choose from these individual portfolios. Select one portfolio to gain exposure to a specific asset class or combine multiple options to create your own personalized mix of investments. Asset class U.S. Stocks International Stocks Alternative Fixed Income Money Market individual portfolio JPMorgan 529 Equity Income Portfolio JPMorgan 529 Growth Advantage Portfolio JPMorgan 529 Large Cap Growth Portfolio JPMorgan 529 Mid Cap Value Portfolio JPMorgan 529 Small Cap Growth Portfolio JPMorgan 529 Small Cap Value Portfolio SSgA 529 Dow Jones Total Market ETF Portfolio SSgA 529 S&P 600 Small Cap ETF Portfolio JPMorgan 529 International Equity Portfolio SSgA 529 MSCI ACWI ex-us ETF Portfolio SSgA 529 S&P World ex-us ETF Portfolio JPMorgan 529 Realty Income Portfolio JPMorgan 529 Core Bond Portfolio JPMorgan 529 Real Return Portfolio JPMorgan 529 Short Duration Bond Portfolio JPMorgan 529 Prime Money Market Portfolio new york s 529 advisor-guided college savings program 9

12 Transition timeline The transition has been carefully planned to help ensure a smooth, successful transfer from Columbia Management to J.P. Morgan. Key dates and activities affecting your accounts Tuesday, May 1, PM, ET Thursday, May 3, 2012 Friday, May 4, Sunday, May 6, 2012 Monday, May 7, 2012 Wednesday, May 9, 2012 Deadline for contributions made via Automatic Investment Plan or Electronic Fund Transfers (will receive a trade date of May 3rd). Deadline to make account transactions via website, mail or customer service center. All contributions, withdrawals and account change requests must be received in good order by 4PM ET. 1 Online account access via will not be available after 4PM ET. Conversion occurs: Plan assets transfer from Columbia Management to J.P. Morgan Asset Management. All trades will be processed at Friday s pricing. J.P. Morgan Asset Management assumes investment management and distribution responsibilities Investor service center opens. Service representatives are available at (8AM - 7PM ET, M-F) to answer inquiries and conduct transactions. 1 Online account access via available starting 8AM ET. You will need to set up a new user name and password to access your account. 1 Any transaction requests received in good order after 4PM ET on Thursday, May 3rd will be processed on Tuesday, May 8th. They will not be backdated and will receive the trade date of the day they are processed. 10 new york s 529 advisor-guided college savings program

13 After the transition The initial transfer of Plan assets is just the beginning of your relationship with J.P. Morgan. You can expect to hear from us after your account has been moved, with ongoing communications to keep you informed and updated. Opening and closing account statements You and your financial advisor will receive two statements shortly after the transition to ensure that your account was transferred correctly. One statement will show your final account balance and holdings with Columbia Management. The other will show your initial balance and holdings with J.P. Morgan. If you have any questions about these statements, please contact your financial advisor or call Regular quarterly account statements In July 2012, you will receive your first regular account statement from J.P. Morgan, detailing your investment performance and activity since assets were transferred. After that, new account statements will be available on a quarterly basis. new york s 529 advisor-guided college savings program 11

14 Enhanced Plan website Same web address, new features After the transition, visit to register for enhanced website capabilities that allow you to do more with your Advisor-Guided Plan account. Manage your account online Check account balances, process contributions, create an automatic investment plan, make withdrawals, change investments, update personal information and much more. Invite other contributors with Ugift SM Use this unique online tool to invite family members and friends to celebrate holidays, birthdays, graduations and other special occasions with a gift contribution to your account. Access important information from your computer View and print account statements Download and fill out forms Sign up for edelivery of paperless statements, trade confirmations and other plan documents Learn more about saving for college Make informed decisions with your college dollars by reviewing J.P. Morgan s latest insights along with plan literature, investment options, savings tips and investing tools. Be sure to register for online account access Your current online login will not work after the transition. You will need to set up a new user ID and password to access your account and utilize the website s enhanced features. Just follow the simple registration instructions at beginning May new york s 529 advisor-guided college savings program

15 How to contact us We want to make the transition an easy, effortless experience. If you have questions about the new Advisor-Guided Plan or the transfer of assets to J.P. Morgan, we invite you to take advantage of the many resources available. M Before the transition (through 5/6/12) Investor Service Center (8AM-7PM ET, M-F) website After the transition (starting 5/7/12) Investor Service Center (8AM-7PM ET, M-F) website mailing address Overnight address New York s 529 Advisor-Guided College Savings Program PO Box Boston, MA New York s 529 Advisor-Guided College Savings Program 95 Wells Avenue, Suite 155 Newton, MA Your advisor is there for you With an in-depth understanding of your college goals and investments, your financial advisor can provide answers and assistance with your unique situation in mind.

16 Before you invest, consider whether your or the beneficiary s home state offers any state tax or other benefits that are only available for investments in such state s qualified tuition program. The Comptroller of the State of New York and the New York State Higher Education Services Corporation are the Program Administrators and are responsible for implementing and administering the Advisor-Guided Plan. Upromise Investments, Inc. and Upromise Investment Advisors, LLC serve as Program Manager and Recordkeeping and Servicing Agent, respectively, and are responsible for day-to-day operations, including effecting transactions. Once effective, J.P. Morgan Investment Management Inc. will serve as the Investment Manager. J.P. Morgan Asset Management is the marketing name for the asset management businesses of JPMorgan Chase & Co. New York s 529 Advisor-Guided College Savings Program, once effective, will be distributed by JPMorgan Distribution Services, Inc. No guarantee: None of the State of New York, its agencies, the Federal Deposit Insurance Corporation (FDIC), J.P. Morgan Investment Management Inc., Upromise Investments, Inc., nor any of their applicable affiliates insures accounts or guarantees the principal deposited therein or any investment returns on any account or investment portfolio. New York s 529 College Savings Program includes two separate 529 plans. The Advisor-Guided Plan will be sold exclusively through financial advisors who have entered into Advisor-Guided Plan selling agreements with JPMorgan Distribution Services, Inc. You may also participate in the Direct Plan, which is sold directly by the Program and offers lower fees. However, the investment options available under the Advisor-Guided Plan are not available under the Direct Plan. The fees and expenses of the Advisor-Guided Plan include compensation to the financial advisor. Be sure to understand the options available before making an investment decision. For more information about New York s 529 Advisor-Guided College Savings Program, you may obtain an Advisor-Guided Plan Disclosure Booklet and Tuition Savings Agreement by visiting or calling after the transition. This document includes investment objectives, risks, charges, expenses and other information. You should read and consider it carefully before investing. JPMorgan Distribution Services, Inc., its parent and affiliates do not provide legal or tax advice. This information is provided for general educational purposes only. This is not to be considered legal or tax advice. Investors should consult with their legal or tax advisors for personalized assistance, including information regarding any specific state law requirements. The Upromise Investments logo is a registered service mark of Upromise Investments, Inc. March BRO-TRANSITION

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