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Did you know that next to retirement the cost of college education is going to be one of
the greatest expenses you and your family are likely to face? That’s why the Illinois State Treasurer’s Office,
working with Citigroup Asset Management, has created the Bright Start® College Savings Program. Learn
how an investment in Bright Start, a tax-advantaged Section 529 Plan, is designed to help parents,
grandparents, relatives or friends nationwide plan for the high cost of a college education. Invest today to
take advantage of the benefits of Bright Start.
Investors should consider the investment objectives, risks, fees and expenses of the Program carefully before
investing. Please read the Program Disclosure Statement and Participation Agreement, which contains
complete information about these and other features, benefits, risks, and restrictions associated with the
Program.
Bright Start Features:
Tax Advantaged Savings
Professional Money Management
Simplicity in Managing Your Account
Contribute Now! Starting early saves you more!
Already a customer? Check your savings online!
Investments in the Bright Start College Savings Program are not insured by the FDIC or any other
government agency; are not a deposit or other obligation of Citigroup Inc. or any depository institution.
Investments are not guaranteed by the State of Illinois, the State of Illinois Treasurer's Office, Citigroup
Global Markets Inc., or Citigroup Inc. or its affiliates and are subject to investment risks, including the loss
of the principal amount invested. Please read the Program Disclosure Statement for more complete
information regarding risks, fees and expenses associated with the Program and for those portfolios that
invest a portion of their assets in bank deposits that are insured by the FDIC or fully collateralized.
If you are a resident of a state other than Illinois, you should check with your home state to see if it offers a
Section 529 program. That program may offer state tax benefits to residents of that state that may not be
available to investors in programs of other states. Citigroup Global Markets Inc. does not provide tax and/or
legal advice. Investors should consult their tax and/or legal advisor for such guidance.
Bright Highlights source: Savingforcollege.com, June 2003. Bright Start® received a 4½-Cap rating for
residents investing directly and a 3½-Cap rating for non-residents investing directly. The "5-Cap Rating"
assigns an overall rating to each 529 program ranging from 1-Cap (least attractive) to 5-Cap (most
attractive). The 5-Cap Rating represents savingforcollege.com's assessment of the overall usefulness of a
state's 529 plan based on many considerations such as flexibility, liquidity and availability, ownership rights,
state benefits, investment approach and safety, program resources and financial aid impact. It is not strictly a
measure of historical returns and it is not a predictor of future investment performance, level of risk, or
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