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Hand Securities, Inc.

The 529 College Savings Plan

Hand Benefits & Trust Company, is pleased to offer our clients a powerful way to save for higher education. Saving for a higher education can be a daunting task. It requires careful planning and a high level of commitment. In fact, next to retirement planning, it could be the single largest expense that a family will bear. That is why we are pleased to tell you about the CollegeBoundfund, a flexible, tax-advantaged 529 college savings program managed by Alliance Capital that helps make saving for higher education easier.

For most families, the key to funding higher education is to start saving early and to save regularly. And with the CollegeBoundfund Employee Payroll Direct Deposti Program, our clients can begin consistently saving for higher education. With contributions of at least $50 per month into your CollegeBoundfund account, it is easy to maintain a regular investment program.

CollegeBoundfund can be used at accredited colleges, universities, graduate schools, and most community colleges and vocational-technical schools in the U.S., as well as at many foreign institutions. Please contact us at (713) 460-1000 for additional information.

CollegeBoundfund is a "529" plan, designed to meet the requirements of a qualified tuition program under Section 529 of the Internal Revenue Code, is offered through Hand Securities, Inc. and managed by Alliance Capital, a leading global investment management firm.