Before investing, carefully consider the plan's investment objectives, risks, charges and expenses. This information and more about the plan can be found in the Schwab 529 Guide and Participation Agreement  available from Charles Schwab & Co., Inc., and should be read carefully before investing. If you are not a Kansas taxpayer, consider before investing whether your or the beneficiary's home state offers a 529 plan that provides its taxpayers with state tax benefits and other benefits not available through this plan. As with any investment, it is possible to lose money by investing in this plan.

The Schwab 529 College Savings Plan is available through Charles Schwab & Co., Inc. and is managed by American Century Investment Management, Inc. The plan was created by the Kansas State Legislature under the provisions of Section 529 of the Internal Revenue Code and is administered by Kansas state treasurer Lynn Jenkins, CPA. Notice: Accounts established under the Schwab 529 Plan and their earnings are neither insured nor guaranteed by the state of Kansas, the Kansas state treasurer, American Century Investments or Charles Schwab & Co., Inc. Accounts established under the Schwab 529 Plan are domiciled at American Century Investments and not Schwab.

American Century Investments® receives remuneration from fund companies, including PIMCO Funds, American Beacon Funds, Metropolitan West Asset Management, and Baron Funds® for recordkeeping, shareholder services and other administrative services associated with funds held in the Schwab 529 Plan portfolios.

1. All non-qualified withdrawals are subject to federal and state income tax and a 10% penalty. State tax treatment of earnings may vary.