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DIRECT PLAN FEES AND EXPENSES

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DIRECT PLAN FEES AND EXPENSES
Annual Asset-Based Program Fees as of April 24, 2018Cost of Investment1 (with 5% Return Assumption)
Account Owners will bear expenses at the CollegeAdvantage Direct Plan level and also the expenses of the underlying mutual funds.Underlying Fund ExpensesPortfolio Acctg & Admin FeeOTTA FeeRecord-keeping FeeTotal Annual Fees$1,000
1 Year		$10,000
1 Year		$10,000
3 Years		$10,000
5 Years		$10,000
10 Years
Ready-Made Age-Based Portfolios          
Advantage Age-Based Portfolio          
Newborn through age 50.1620%0.02%0.02%0.12%0.3220%$ 3.30$ 32.95$ 103.55$ 180.92$ 408.31
Ages 6-90.1626%0.02%0.02%0.12%0.3226%$ 3.30$ 33.01$ 103.75$ 181.26$ 409.05
Ages 10-120.1652%0.02%0.02%0.12%0.3252%$ 3.33$ 33.28$ 104.58$ 182.70$ 412.29
Ages 13-160.1544%0.02%0.02%0.12%0.3144%$ 3.22$ 32.18$ 101.12$ 176.67$ 398.82
Ages 17 and older0.1314%0.02%0.02%0.12%0.2914%$ 2.98$ 29.83$ 93.76$ 163.85$ 370.09
Vanguard Aggressive Age-Based Portfolio          
Newborn through age 50.0400%0.02%0.02%0.12%0.2000%$ 2.05$ 20.48$ 64.43$ 112.70$ 255.19
Ages 6-90.0388%0.02%0.02%0.12%0.1988%$ 2.04$ 20.36$ 64.05$ 112.04$ 253.69
Ages 10-120.0375%0.02%0.02%0.12%0.1975%$ 2.02$ 20.22$ 63.63$ 111.31$ 252.04
Ages 13-160.0363%0.02%0.02%0.12%0.1963%$ 2.01$ 20.10$ 63.25$ 110.64$ 250.54
Ages 17 and older0.0574%0.02%0.02%0.12%0.2174%$ 2.23$ 22.26$ 70.02$ 122.46$ 277.15
Vanguard Moderate Age-Based Portfolio          
Newborn through age 50.0388%0.02%0.02%0.12%0.1988%$ 2.04$ 20.36$ 64.05$ 112.04$ 253.69
Ages 6-90.0375%0.02%0.02%0.12%0.1975%$ 2.02$ 20.22$ 63.63$ 111.31$ 252.04
Ages 10-120.0363%0.02%0.02%0.12%0.1963%$ 2.01$ 20.10$ 63.25$ 110.64$ 250.54
Ages 13-160.0574%0.02%0.02%0.12%0.2174%$ 2.23$ 22.26$ 70.02$ 122.46$ 277.15
Ages 17 and older0.0574%0.02%0.02%0.12%0.2174%$ 2.23$ 22.26$ 70.02$ 122.46$ 277.15
Vanguard Conservative Age-Based Portfolio          
Newborn through age 50.0375%0.02%0.02%0.12%0.1975%$ 2.02$ 20.22$ 63.63$ 111.31$ 252.04
Ages 6-90.0363%0.02%0.02%0.12%0.1963%$ 2.01$ 20.10$ 63.25$ 110.64$ 250.54
Ages 10-120.0574%0.02%0.02%0.12%0.2174%$ 2.23$ 22.26$ 70.02$ 122.46$ 277.15
Ages 13-160.0574%0.02%0.02%0.12%0.2174%$ 2.23$ 22.26$ 70.02$ 122.46$ 277.15
Ages 17 and older0.1100%0.02%0.02%0.12%0.2700%$ 2.76$ 27.64$ 86.90$ 151.90$ 343.28
Ready-Made Risk-Based Portfolios          
Vanguard Aggressive Growth Index Portfolio0.0400%0.02%0.02%0.12%0.2000%$ 2.05$ 20.48$ 64.43$ 112.70$ 255.19
Vanguard Growth Index Portfolio0.0388%0.02%0.02%0.12%0.1988%$ 2.04$ 20.36$ 64.05$ 112.04$ 253.69
Vanguard Moderate Growth Index Portfolio0.0375%0.02%0.02%0.12%0.1975%$ 2.02$ 20.22$ 63.63$ 111.31$ 252.04
Vanguard Conservative Growth Index Portfolio0.0363%0.02%0.02%0.12%0.1963%$ 2.01$ 20.10$ 63.25$ 110.64$ 250.54
Vanguard Income Portfolio0.0574%0.02%0.02%0.12%0.2174%$ 2.23$ 22.26$ 70.02$ 122.46$ 277.15
Individual Investment Options          
International Equity Options (Stocks)          
Dimensional Fund Advisors World ex. U.S. Core Equity Portfolio0.3800%0.02%0.02%0.12%0.5400%$ 5.52$ 55.20$ 173.11$ 301.76$ 677.10
Vanguard Total International Stock Index Option0.0700%0.02%0.02%0.12%0.2300%$ 2.35$ 23.55$ 74.07$ 129.52$ 293.03
U.S. Equity Options (Stocks)          
Vanguard Strategic Equity Option0.1800%0.02%0.02%0.12%0.3400%$ 3.48$ 34.79$ 109.31$ 190.95$ 430.74
Vanguard Extended Market Index Option0.0500%0.02%0.02%0.12%0.2100%$ 2.15$ 21.50$ 67.64$ 118.31$ 267.81
Vanguard Morgan Growth Option0.2800%0.02%0.02%0.12%0.4400%$ 4.50$ 45.00$ 141.26$ 246.49$ 554.55
Vanguard Windsor II Option0.2600%0.02%0.02%0.12%0.4200%$ 4.30$ 42.96$ 134.88$ 235.41$ 529.89
Vanguard 500 Index Option0.0200%0.02%0.02%0.12%0.1800%$ 1.84$ 18.43$ 58.00$ 101.48$ 229.91
Balanced Option (Mix of Stocks and Bonds)          
Vanguard Wellington Option0.1700%0.02%0.02%0.12%0.3300%$ 3.38$ 33.77$ 106.12$ 185.38$ 418.28
Fixed Income Options (Bonds)          
Vanguard Corporate High Yield Option0.1300%0.02%0.02%0.12%0.2900%$ 2.97$ 29.68$ 93.30$ 163.06$ 368.33
Dimensional Fund Advisors U.S. Investment Grade Portfolio0.2200%0.02%0.02%0.12%0.3800%$ 3.89$ 38.88$ 122.10$ 213.20$ 480.42
Vanguard Total Bond Market Index Option0.0400%0.02%0.02%0.12%0.2000%$ 2.05$ 20.48$ 64.43$ 112.70$ 255.19
Vanguard Short-Term Inflation-Protected Bond Index Option0.0400%0.02%0.02%0.12%0.2000%$ 2.05$ 20.48$ 64.43$ 112.70$ 255.19
Capital Preservation Option (Cash)          
Vanguard Money Market Option0.1100%0.02%0.02%0.12%0.2700%$ 2.76$ 27.64$ 86.90$ 151.90$ 343.28
Banking Options (Cash) (FDIC-insured to certain limits)          
Fifth Third 529 Savings Account0.0000%N/AN/AN/A0.0000% $ 0.00$ 0.00$ 0.00$ 0.00
Fifth Third 529 Certificate of Deposit (CD)0.0000%N/AN/AN/A0.0000% $ 0.00$ 0.00$ 0.00$ 0.00
1This column translates the fees and expenses shown in the preceding table columns into dollar amounts. It assumes that you invest $1,000 or $10,000 in the CollegeAdvantage Direct Plan for the time period shown and then redeem all of your shares at the end of this period. It assumes that such redemption is used solely to pay qualified higher education expenses. It also assumes a 5% return on your investment each year and that the Fund’s operating expenses remain the same. The example is hypothetical; your actual costs and returns may be higher or lower. The asset-based fees may vary over time in accordance with agreements governing the Investment Options or due to changes in the underlying mutual fund expenses
 
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The Ohio Tuition Trust Authority (OTTA), an office within the Ohio Department of Higher Education, administers the CollegeAdvantage 529 Savings Program. The Program is offered and sold as 1.) the CollegeAdvantage Direct 529 Savings Plan, and 2.) the CollegeAdvantage Advisor 529 Savings Plan, offered through BlackRock. OTTA also administers a prepaid tuition program called the CollegeAdvantage Guaranteed 529 Savings Plan, which remains closed since 2004 to new enrollments and contributions.

If you are not an Ohio resident or taxpayer, before you invest, consider whether your home state offers a 529 Plan that provides its taxpayers with state tax and other benefits not available to you through CollegeAdvantage before making an investment.

Before investing in CollegeAdvantage, read the specific Plan’s Offering Statement and Participation Agreement. Except for the Fifth Third investment options, which are insured by the FDIC up to certain limits, investments in CollegeAdvantage are not insured or guaranteed. Participants assume all risk of investment, including the potential loss of principal.

Upromise® is an optional service offered by Upromise, Inc. as an added value to CollegeAdvantage Direct 529 Plan Account Owners. Upromise is separate from the CollegeAdvantage Direct 529 Savings Plan and is not affiliated with the Ohio Tuition Trust Authority or the State of Ohio. Participation in Upromise is optional and voluntary. Specific terms and conditions apply. Participating companies, contribution levels, terms, and conditions are subject to change without notice.

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