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<br /> Virginia529 prePAID<br /> SM<br /> (formerly the Virginia Prepaid Education Program)<br /> Program Description, Master Agreement,<br /> Privacy Policy & Pricing and Coverage Chart<br /> SM<br /> December 1, 2012 — March 31, 2013<br /> Enrollment Period<br /> © 2012–2013 Virginia College Savings Plan<br /> All Rights Reserved<br /> Customers should obtain all enrollment materials, including this Program Description, by visiting Virginia529.com or by calling 1-888-<br /> 567-0540, and read it carefully before investing. Prospective participants should seek the advice of a professional concerning any financial,<br /> tax, or legal implications related to opening an account. For residents of states other than Virginia: your state or the Beneficiary’s state of<br /> residence (if different) may sponsor an IRC Section 529 plan that offers state income tax or other benefits not available to you through<br /> the Virginia Colle<a title="prepaid_pd_ma_2012_13 page 1" href="http://viewer.zmags.com/publication/99bacdea?page=1"> Virginia529 prePAID SM (formerly the Virginia Pr</a> <a title="prepaid_pd_ma_2012_13 page 2" href="http://viewer.zmags.com/publication/99bacdea?page=2"> Customers should obtain all enrollment materials,</a> <a title="prepaid_pd_ma_2012_13 page 3" href="http://viewer.zmags.com/publication/99bacdea?page=3"> SM Table of Contents PROGRAM DESCRIPTION.....</a> <a title="prepaid_pd_ma_2012_13 page 4" href="http://viewer.zmags.com/publication/99bacdea?page=4"> Virginia529 prePAIDSM PROGRAM DESCRIPTION As of </a> <a title="prepaid_pd_ma_2012_13 page 5" href="http://viewer.zmags.com/publication/99bacdea?page=5"> Virginia529 prePAID — Program Description public</a> <a title="prepaid_pd_ma_2012_13 page 6" href="http://viewer.zmags.com/publication/99bacdea?page=6"> Virginia529 prePAID — Program Description Gener</a> <a title="prepaid_pd_ma_2012_13 page 7" href="http://viewer.zmags.com/publication/99bacdea?page=7"> Virginia529 prePAID — Program Description prePAI</a> <a title="prepaid_pd_ma_2012_13 page 8" href="http://viewer.zmags.com/publication/99bacdea?page=8"> Virginia529 prePAID — Program Description Coverd</a> <a title="prepaid_pd_ma_2012_13 page 9" href="http://viewer.zmags.com/publication/99bacdea?page=9"> Virginia529 prePAID — Program Description above </a> <a title="prepaid_pd_ma_2012_13 page 10" href="http://viewer.zmags.com/publication/99bacdea?page=10"> Virginia529 prePAID — Program Description Subst</a> <a title="prepaid_pd_ma_2012_13 page 11" href="http://viewer.zmags.com/publication/99bacdea?page=11"> Virginia529 prePAID — Program Description or all</a> <a title="prepaid_pd_ma_2012_13 page 12" href="http://viewer.zmags.com/publication/99bacdea?page=12"> Virginia529 prePAID — Program Description for 20</a> <a title="prepaid_pd_ma_2012_13 page 13" href="http://viewer.zmags.com/publication/99bacdea?page=13"> Virginia529 prePAID — Program Description Coord</a> <a title="prepaid_pd_ma_2012_13 page 14" href="http://viewer.zmags.com/publication/99bacdea?page=14"> Virginia529 prePAID — Program Description Claim</a> <a title="prepaid_pd_ma_2012_13 page 15" href="http://viewer.zmags.com/publication/99bacdea?page=15"> Virginia529 prePAIDSM MASTER AGREEMENT As of Dec</a> <a title="prepaid_pd_ma_2012_13 page 16" href="http://viewer.zmags.com/publication/99bacdea?page=16"> Virginia529 prePAID — Master Agreement by non-Re</a> <a title="prepaid_pd_ma_2012_13 page 17" href="http://viewer.zmags.com/publication/99bacdea?page=17"> Virginia529 prePAID — Master Agreement “Out-of-S</a> <a title="prepaid_pd_ma_2012_13 page 18" href="http://viewer.zmags.com/publication/99bacdea?page=18"> Virginia529 prePAID — Master Agreement the Appli</a> <a title="prepaid_pd_ma_2012_13 page 19" href="http://viewer.zmags.com/publication/99bacdea?page=19"> Virginia529 prePAID — Master Agreement (ii) For </a> <a title="prepaid_pd_ma_2012_13 page 20" href="http://viewer.zmags.com/publication/99bacdea?page=20"> Virginia529 prePAID — Master Agreement 3. If the</a> <a title="prepaid_pd_ma_2012_13 page 21" href="http://viewer.zmags.com/publication/99bacdea?page=21"> Virginia529 prePAID — Master Agreement 3. An Acc</a> <a title="prepaid_pd_ma_2012_13 page 22" href="http://viewer.zmags.com/publication/99bacdea?page=22"> Virginia529 prePAID — Master Agreement Article </a> <a title="prepaid_pd_ma_2012_13 page 23" href="http://viewer.zmags.com/publication/99bacdea?page=23"> Virginia529 prePAID — Master Agreement Article </a> <a title="prepaid_pd_ma_2012_13 page 24" href="http://viewer.zmags.com/publication/99bacdea?page=24"> Virginia529 prePAIDSM Privacy Policy As of Decem</a> <a title="prepaid_pd_ma_2012_13 page 25" href="http://viewer.zmags.com/publication/99bacdea?page=25"> Virginia529 prePAID — Privacy Policy If you elec</a> <a title="prepaid_pd_ma_2012_13 page 26" href="http://viewer.zmags.com/publication/99bacdea?page=26"> $250,000 $200,000 $150,000 $100,000 $50,000 </a> <a title="prepaid_pd_ma_2012_13 page 27" href="http://viewer.zmags.com/publication/99bacdea?page=27"> 2012–2013 Virginia529 prePAID Pricing & Coverage </a> <a title="prepaid_pd_ma_2012_13 page 28" href="http://viewer.zmags.com/publication/99bacdea?page=28"> SM Virginia College Savings Plan </a>