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Consider the investment objectives, risks, charges and expenses before investing in the Connecticut Higher Education Trust Plan. Please call toll-free 1-888-799-CHET (2438) for a CHET Direct-Sold Plan Disclosure Booklet containing this information and other information. Read it carefully. Investments in the plan are neither insured nor guaranteed and there is the risk of investment loss.

Before investing in a 529 plan, you should consider whether the state you or your designated beneficiary reside in or have taxable income in has a 529 plan that offers favorable state income tax or other benefits that are only available if you invest in that state's 529 plan.

The tax information contained herein is not intended to be used, and cannot be used, by any taxpayer for the purpose of avoiding tax penalties. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor.

CHET is administered by the Connecticut State Treasurer's Office. The CHET Direct-Sold Plan is managed by TIAA-CREF Tuition Financing, Inc. (TFI).

The Plan Web site is for informational purposes only, and does not constitute an offer to sell or solicitation of an offer to buy any security that may be referenced on the site. Such offer or solicitation can be made only through the CHET Direct-Sold Plan Disclosure Booklet.

The Plan Web site contains links to other Web sites. Neither the Plan nor TFI and its affiliates are responsible for the content of those other Web sites. The accuracy of information on those sites cannot be confirmed.

Non-qualified withdrawals may be subject to federal and state taxes and the additional federal 10% tax.

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2012 TIAA-CREF Tuition Financing, Inc.