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IMPORTANT information for Windows XP Users

After December 4, 2016 you will no longer be able to access your 529 plan
accounts using Windows XP. Please upgrade your computer to a supported version
of Windows to continue to access your accounts. Additional information on
Windows XP can be found here.


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THE SMART (AND TAX-FREE) WAY TO SAVE FOR COLLEGE.

ACT BY APRIL 18TH

Georgia taxpayers, you can still deduct up to $8,000 per child on your 2021
Georgia state income tax return. Open an account or contribute to an existing
account before 4/18/22 to take advantage of this exclusive Georgia state tax
benefit.

Learn More

EXPLORE PLAN ENHANCEMENTS

More reasons Path2College is a smart choice—lower fees and a streamlined
investment menu.

Learn More

NEWBORN SWEEPSTAKES

You could win a $5,529 account for college.

Learn More

DOWNLOAD THE PATH2COLLEGE READYSAVE™ 529 MOBILE APP

View and manage your Path2College account(s) on your mobile device, get it on
Google Play or download for iOS from the app store.

Learn More

INVESTOR SPOTLIGHT

Access timely market commentary and analysis.

Learn More



Email This Page?



CUSTOMER SERVICE HOURS

Our customer phone centers will be closed after 6 PM ET on Friday, April 19,
2019. We will be open for normal business hours on Monday, April 22.


GETTING STARTED IS EASY...

LEARN ABOUT THE PLAN

Learn about the benefits of the Path2College 529 Plan, how it works, the tax
advantages, and how the funds can be used.

Learn More

RESEARCH INVESTMENTS

Choose investment portfolios that fit your life-stage and goals, including
age-based options.

Learn More

OPEN AN ACCOUNT

Open your Path2College 529 Plan account today and start out on the path to
saving for college.

Learn More



GETTING STARTED IS EASY...

Learn About the Plan

Research Investments

Open an Account


GET MORE INFORMATION ON PATH2COLLEGE SENT DIRECTLY TO YOUR EMAIL

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A PLAN FOR EVERYONE

PARENTS

Get real answers to your concerns about saving for college.

Learn More

GRANDPARENTS, FAMILY & FRIENDS

There are a few simple steps you can take to help plan for your loved one’s
future.

Learn More

STUDENTS

There are so many ways the Path2College 529 Plan can help you reach your
college dreams.

Learn More

EMPLOYERS, FINANCIAL PROFESSIONALS & HOSPITALS

Helping your employees and clients save for college helps you too.

Employees

Employers

Financial Professionals

Hospitals




A PLAN FOR EVERYONE


Parents

Grandparents, Family & Friends

Students

Employees

Employers

Financial Professionals



THE BUZZ

Dec
14
news
news
Families Use $1.5 Billion in Path2College Savings to Pay for Education Expenses



The state of Georgia’s Path2College 529 Plan recently hit another milestone with
more than $1.5 Billion used by families to pay for educati

... Read More



Nov
12
news
news
Georgia’s Path2College 529 Plan Upgraded Two Tiers to “Silver” by Morningstar



This fall, Georgia’s Path2College 529 Plan was upgraded to Silver, and Georgia
was the only state to receive a two-tier upgrade. Morningsta

... Read More



Sep
01
news
news
Georgia Declares September College Savings Month



In an effort to raise awareness about the importance of saving for continued
education, Governor Brian P. Kemp officially designated September as College Sav

... Read More



Sep
01
news
news
Georgia Kicks off College Savings Month by Awarding Pine Mountain Baby $5,529
College Savings Contribution, Piedmont Columbus Regional $1,529



As the state of Georgia kicks off College Savings Month, one lucky Pine Mountain
baby was awarded $5,529 for her college savings. Elsa Hardage received a con

... Read More



Mar
29
contest
contest
Families Can Enter for a Chance to Win a Contribution to Pre-K Students’ College
Savings



ATLANTA — For the fourth year, the Path2College 529 Plan and the Department of
Early Care and Learning (DECAL) have partnered

... Read More



See All


FROM TWITTER

March 3rd

Accessing your Path2College account is easier than ever with the READYSAVE 529
app! Download today from the App Sto https://t.co/HRfztd2w2a

See All


FROM FACEBOOK

March 3rd

Accessing your Path2College account is easier than ever with the READYSAVE 529
app! Download today from the App Store or Google Play to check your balance or
contribute right from your phone.


See All


FOLLOW US!




top
top


1246416




FROM TWITTER

March 3rd

Accessing your Path2College account is easier than ever with the READYSAVE 529
app! Download today from the App Sto https://t.co/HRfztd2w2a

See All


FROM FACEBOOK

March 3rd

Accessing your Path2College account is easier than ever with the READYSAVE 529
app! Download today from the App Store or Google Play to check your balance or
contribute right from your phone.


See All


FOLLOW US!




top
top


PLAN

 * 10 Reasons to Save with Path2College
 * Plan Details & Information
 * Tax Advantages
 * Reducing the Cost of College
 * Saving vs. Borrowing
 * The Future Cost of College
 * Ways to Save & Pay for College
 * Why Path2College is a Plan for Everyone


RESEARCH

 * Enrollment Year Investment Portfolios
 * Static Investment Portfolios
 * Principal Plus Interest Investment Portfolio
 * Daily Price
 * Fees & Expenses
 * Historical Performance


MANAGE

 * Making Contributions & Withdrawals
 * Managing Account Information
 * Managing Investments





GIFT

 * Gift Contributions
 * Legacy & Estate Planning



GA 529 AT WORK

 * Employers Learn More
 * Employees Learn More


THE BUZZ

 * News & Press Releases
 * Events & Webinars
 * Contests & Promotions


HELP DESK

 * 1-877-424-4377
 * Request Information
   
 * Plan Description
 * Forms & Resources
 * Frequently Asked Questions
 * Glossary of Terms
 * Planning Tools
 * Privacy Policy



> Click here for legal disclosure
> Click here for Security Center


For more information about the Path2College 529 College Savings Plan, call
1-877-424-4377 or click here for a Plan Description which includes investment
objectives, risks, charges, expenses, and other important information. Read and
consider it carefully before investing.

Please Note: Before you invest, consider whether your or the beneficiary’s home
state offers any state tax or other state benefits such as financial aid,
scholarship funds, and protection from creditors that are only available for
investments in that state’s qualified tuition program. You should also consult
your legal or tax professional for tax advice based on your own circumstances.
Investments in the plan are neither insured nor guaranteed and there is the risk
of investment loss.

The Path2College 529 College Savings Plan is offered by the State of Georgia.
TIAA-CREF Tuition Financing, Inc. (TFI), program manager. TIAA-CREF Individual &
Institutional Services, LLC, Member FINRA, distributor and underwriter for
Path2College 529.

The Plan Web site contains links to other Web sites. Neither the Plan nor TFI
and its affiliates are responsible for the content of those other Web sites. The
accuracy of information on those sites cannot be confirmed.

All social media platforms are managed by the State of Georgia.



 * OVERVIEW
 * CHECKLIST
 * ABOUT IDENTITY THEFT
 * SAFEGUARDING YOUR
   ONLINE TRANSACTIONS





SECURITY OVERVIEW

TIAA-CREF Tuition Financing, Inc. serves as program manager for the Path2College
529 Plan (the “Plan”). Ascensus College Savings Recordkeeping Services, LLC
provides recordkeeping and account processing services.

Our cybersecurity response program is designed to help keep your financial
information safe and is intended to comply with applicable federal and state
laws. Online security is a shared responsibility between you, the account owner,
and us, the service provider. Safeguarding your assets, your personal
information, and privacy is one of our fundamental priorities. We utilize a
variety of controls to detect and prevent unauthorized access to our network and
sensitive information.

OUR SECURITY PROMISE:

We are committed to keeping your financial information secure. Please know that
we'll never call or email you to ask you for your login credentials. If you
receive a suspicious message, don't click on any of the links or respond with
personal information. Please report suspicious activity by calling your plan's
customer service at 1-877-424-4377.





SAFEGUARDING YOUR OWN INFORMATION: ACCOUNT OWNER SECURITY CHECKLIST

While we strive to keep your information and transactions safe, there are
actions you can take to contribute to your own security. The following are some
best practices to follow.

PROTECT YOUR ACCOUNT

 * Do not use your Social Security Number (SSN), in full or in part, for a
   password or PIN.
 * Review your credit reports frequently (at least once a year). Verify the
   information listed about you is up to date and accurate and that it includes
   only those accounts and activities you've authorized. Work with the credit
   reporting agencies to have any inaccurate information removed.
 * Store your Social Security card, other identification cards, checks and
   accounts statements in a safe and secure location.
 * Do not carry your Social Security card, passport or birth certificate with
   you unless absolutely needed.
 * Do not share your personal or financial information over the phone or in
   person unless the information is absolutely necessary and you can confirm
   that the individual and company are legitimate.
 * Frequently monitor your financial accounts and report any suspected
   fraudulent transaction immediately.
 * Retrieve and review your mail promptly.
 * Shred financial documents no longer needed, pre-approved credit offers,
   receipts, and other documents that may contain financial and personal
   information.

PROTECT YOUR COMPUTERS, CELL PHONE AND OTHER MOBILE DEVICES

 * Install and set your anti-virus and anti-malware software to update
   automatically.
 * Activate all operating system security features on your internet capable
   devices.
 * Make sure your personal computer and home network are properly protected from
   malware by setting up your firewall. Check to see that the firewall has been
   properly installed - or enabled if it came bundled with your operating
   system.
 * Make sure to keep your web browser software up-to-date by installing the most
   recent version.
 * Keep the operating system for your computer or mobile device up-to-date.
 * Never leave your computer, cell phone, or other mobile devices logged on
   and/or unattended in public.
 * Password protect and lock your computers, cell phone, or other mobile devices
   when not in use.
 * Only download applications from reputable sources. Be suspicious when
   installing applications that require you to provide information that has
   nothing to do with the application's purpose.
 * If you believe your mobile device is infected with malware, contact your
   service provider.

KEEP YOUR INFORMATION SECURE

 * If you have any doubts about the authenticity of an email, which appears to
   be from TIAA-CREF Tuition Financing, Inc. or the Path2College 529 Plan, or
   involves your Plan account, call the Plan’s customer service at
   1-877-424-4377. Then, be sure to delete the suspicious emails from your
   mailbox.
 * Do not click on links or attachments if an email seems suspicious, especially
   if they tell you the problem is urgent. This is known as scareware and
   intended to make you react without thinking.
 * Do not give out personal information. Check a website's privacy policy before
   you give them your email address.
 * Create strong passwords. Make your password hard for others to guess by using
   a combination of letters, numbers and symbols that are meaningful only to
   you. Avoid using the same password for multiple websites, particularly
   financial websites, and be sure to change your password often (at least
   annually). See also "Create a strong password" below.
 * Account owners should also avoid using the same password for multiple sites
   and may want to consider using a password manager (software to securely hold
   multiple passwords) to securely manage passwords.
 * Never share your password with anyone.
 * Do not include personal or sensitive data in, or in response to, an email.
 * Monitor your account activity closely and watch for unusual activity.
 * Promptly review all transaction confirmations, account statements, and any
   email or paper correspondence sent by your plan.
 * When you finish your online and/or mobile banking sessions, be sure to log
   out. Simply closing the browser window does not equate to logging out. By
   clicking on the X to close the browser window your online session may still
   be open.
 * Shred documents containing personal information.
 * Protect your mail from theft. If you are planning to be away from home, call
   or go online to contact the U.S. Postal Service and request a vacation hold.
 * Be aware of your surroundings when making purchases or using the ATM. Thieves
   have been known to copy credit card information or take pictures of cards on
   their cell phones.

PRACTICE SAFE WEB BROWSING

 * Only allow pop-ups from sites that you authorize.
 * Only make online purchases using secure sites that encrypt your information.
   Instead of following links, go directly to the store's Web site and navigate
   to find the special sale items. To help ensure that your information is
   protected when shopping or banking online, look for an unbroken key, or
   padlock at the bottom of your Web browser or within the address bar. When you
   are asked to provide payment information, the beginning of the Web site's URL
   address should change from http to https, indicating that the purchase is
   encrypted or secured.
 * Never access a website from a link in a suspicious email.
 * Access online financial sites by typing the address directly into the
   browser's address bar instead of clicking the link. It is recommended that
   once you've typed the address into your browser that you bookmark the site.
   By doing this you can reference the bookmark the next time you need to login
   to the site without retyping the address into your browser.
 * Think before you click. Be cautious about clicking on links, especially in
   emails, and be sure they link to a trusted website. Get in the habit of
   hovering over links to see the underlying Web address. If you're unsure about
   a link, you can go to the firm's website by typing the correct address in
   your Web browser.

When buying online, look for online merchants who are members of a
seal-of-approval program that sets voluntary guidelines for privacy-related
practices, such as TRUSTe, Verisign, or BBBonline.

 * Be extremely cautious when using public computers to access financial and
   other sensitive personal information online. If possible, instead use only
   known devices, such as your own personal computer which you know has the
   necessary protections and security features installed.
 * Do not save private information onto public computers. If you're accessing a
   private account at the library or another public place, be sure to sign out
   completely from your accounts and don't auto save sign-in information like
   your username or password.
 * Be wireless-wise. Don't use public Wi-Fi to access websites with sensitive
   information such as financial records, banking transactions, business-related
   documents, or other personal information. When setting up your home network,
   follow the manufacturer's security recommendations to be sure your wireless
   signal is properly encrypted.
 * Be cautious of clickable advertisements, pop-up windows, or fake dialogue
   boxes with urgent messages. These are often tactics that fraudsters use to
   try and access and steal your personal information.
 * Do not give out personal information to blogs, forums, and other social
   networking sites.
 * Beware phishing attempts and unsolicited requests; these don't just happen
   via email. They can also arrive via social media. Be suspicious of messages
   or promotions you did not sign up to receive.
 * Be careful about what you post personally and professionally - too much
   information can help scammers reach their goals.
 * Always make sure to log out of the website before you close the window.
   Online fraud can happen when you move from one website to another without
   logging out of the previous one. When you are logging into a secure website,
   do so in a new browser window.

CREATE A STRONG PASSWORD

 * The strongest passwords are long and employ a mix of numbers, upper and lower
   case letters, and special characters. Passphrases are typically longer than
   passwords for added security, and contain multiple words that create a
   phrase.
 * Your password shouldn't contain any personal or easily attainable
   information, such as your name, your birthday, Social Security number, or
   wedding anniversary. In addition, don't use a component of your username in
   your password.
 * Make sure you use different and unique passwords for all of your online
   accounts. Reusing a single password for multiple websites is never a good
   idea. If a hacker obtains your password, the first thing he or she is going
   to do is check whether or not that password works for other websites. It's
   also a good idea to periodically change your passwords.
 * Do not give out your passwords to anyone, including family members.
 * Remembering a multitude of unique passwords is difficult, and writing them
   down on paper isn't secure. Consider installing a password manager. A
   password manager is a software application that helps a user store and
   organize passwords. The password manager stores the passwords encrypted,
   requiring the user to create a master password, a single, ideally very strong
   password which grants the user access to their entire password database.

STAY INFORMED ON THE LATEST FRAUD THREATS

 * Phishing is a cyber-threat by which individuals send messages to lure
   personal information (credit card numbers, bank account information, Social
   Security numbers, passwords, or other sensitive information) from
   unsuspecting victims. Phishing may occur through fraudulent emails, fake
   websites, text messages, or direct phone calls claiming to be a financial
   institution, or another company you have a customer relationship with, asking
   you for your personal information.
 * SMiShing is the cell phone version of "Phishing". Using fake company e-mails,
   scammers send text messages that appear to be from well-known companies but
   contain links to counterfeit Web pages that have been made to look nearly
   identical to legitimate companies' sites. The text messages suggest that
   there is an urgent need for you to take action to update personal information
   to avoid an unwanted service charge or another potential threat to your
   account. The Web sites then ask you to enter financial and personal
   information - like user IDs, Social Security numbers, bank or credit card
   account numbers.
 * Malware, short for "malicious software," includes viruses and spyware. These
   are small software applications which can be installed on your computer,
   phone, or mobile device without your consent. Malware is used to steal your
   personal information, send spam, and commit fraud. Without your consent it
   can download itself during a transaction via your online session and attempt
   to steal your sensitive data.
 * Many legitimate charities use telemarketing, direct mail, e-mail, and online
   ads to ask for contributions. However, following major disasters, scammers
   send e-mail purporting to be from a charitable organization, urging consumers
   to follow a link and donate or even send cash. E-mail may also come from
   individuals claiming to be a victim asking for a donation.

Criminals are using new schemes that incorporate old techniques to try to trick
people to provide personal information or account details. These social
engineering attempts include use of sophisticated email and text messages
appearing to be from legitimate sources and phone calls appearing to be from
authentic individuals or service providers, etc. Carefully scrutinize any
requests to divulge personal or account details. Understand your surroundings
and be wary of those watching and listening. If you can't verify a request or
confirm that it is authentic, take the utmost caution in releasing any
information.





ABOUT IDENTITY THEFT

Identity theft involves the impersonation of an individual through the
fraudulent use of his or her personal and account information - e.g., driver's
license, Social Security number, bank account and other numbers, as well as
usernames and passwords.

Identity thieves obtain information in a number of ways:

 * From the trash
 * By stealing mail, purses and other personal items
 * By copying credit card or other information during a transaction
 * Through phishing attacks
 * By submitting false address changes

Avoid being a victim of a social engineer or scam artist by being an educated
and aware online consumer. Learn more by visiting OnGuard Online, a service of
the U.S. Federal Trade Commission and other federal agencies. OnGuard Online
provides information about avoiding scams, understanding mobile apps and Wi-Fi
networks, securing your home computer, and protecting family members.

If you are a victim of an Internet crime, report it to IC3, a service of the
U.S. Federal Bureau of Investigation and the National White Collar Crime Center.
You should also report attempted identity theft to the local authorities as well
as to the Federal Trade Commission's Complaint Assistant Application.

IDENTITY THEFT PREVENTION & PROTECTING YOUR PERSONAL INFORMATION

While there is no way to completely eliminate the risks of fraud or identity
theft, there are things that you can do to help protect yourself and minimize
the risk.

 * Protect your Social Security number. Remove your Social Security number
   printed on anything - such as checks. Keep your Social Security card not in
   your wallet, but in a secure place within your home.
 * Don't give out personal information to unknown callers. If an unknown caller
   asks for your personal or financial information, tell them you will call them
   back to confirm the inquiry, and then either verify that the company is
   legitimate, or if it's a bank or credit card company, call them back using a
   number from your bill or your card.
 * Regularly review bills and account statements. Make sure you recognize and
   authorized all charges, checks, and/or withdrawals. If a regular bill doesn't
   arrive, call the company to find out why - it could mean that a thief has
   redirected your mail to another address.
 * Protect important documents at home. Keep your personal information and
   important documents in a secure place in your home, like a locked file
   cabinet or a safe.
 * Shred documents containing personal information. Once you've paid your bills
   and reconciled your accounts, shred old account statements, bills, receipts,
   pre-approved credit offers, and other documents that contain personal
   information before you throw them away.
 * Protect your mail from theft. Don't leave outgoing mail (like bill payments)
   in an unsecured mailbox. Use a locking mailbox or take it to a post box or
   your local post office. If you are planning to be away from home, call or go
   online to contact the U.S. Postal Service and request a vacation hold.
 * Streamline your wallet. Carry only the credit and/or debit cards, checks
   and/or cash that you need for the day.
 * Be aware of your surroundings. Be conscious of people standing nearby when
   you are making purchases or using an ATM. Thieves have been known to copy
   credit card information or take pictures of cards with the camera of their
   mobile phone.
 * Check your credit report regularly (at least once each year). Make sure the
   information about you is accurate and that it includes only those accounts
   and activities you've authorized.





SAFEGUARDING YOUR INFORMATION AND ONLINE TRANSACTIONS STRONG TECHNOLOGIES AND
TECHNICAL CONTROLS

We use the following methods to help keep your online transactions and personal
information safe and secure.

USERNAME AND PASSWORD REQUIREMENTS

To help prevent unauthorized access, we prompt you to create a unique username
and password when you first access your account. A password is a string of
characters used to access information or a computer. Passwords help prevent
unauthorized people from accessing files, programs, and other resources. When
you create a password you should make it strong, which means it should be
difficult to guess or crack. See below for hints in creating a password that
would be difficult to crack.

A Strong Password

 * Minimum of eight characters long
 * Includes numbers, symbols, upper-case and lower-case letters
 * Does not contain your username, real name or company name
 * Does not contain a dictionary word
 * Is significantly different from the previous passwords

IMAGE VERIFICATION DURING LOGIN

Before you enter your online password, we ask that you verify your personalized
security image. This image would be one that you selected during the creation of
your web account. Once the image you have selected is displayed, you can be
confident that you are accessing our website, as opposed to a fake site that may
be attempting to "phish" for your personal information. If you ever log in and
do not see the image you've selected or the image is incorrect, STOP, do not
input your password. Please immediately report this to your plan's customer
service team.

Note that for some sites where there exists a partner relationship, some users
may seamlessly sign into their financial institution's website without seeing a
security image. This occurs because of an industry standard technology called
federated authentication which exists between your financial institution and us.
When you securely log into your financial institution's site and wish to then
view your 529 plan account, you will seamlessly and securely be transitioned to
the Plan’s website. Users should familiarize themselves with their financial
institution's security and login process to be more able to effectively identify
when the process behaves differently than expected.

SECURITY QUESTIONS

If you forget your password, answering the security questions you selected when
creating your account will allow you to reset your password online. The security
questions are designed to be personal to you. The answers should also be easy
for you to remember but hard for others to guess. We highly recommend that you
do not use questions that may be answered by someone viewing your social media
profiles or other information that may be publically available.

CUSTOMER VERIFICATION

Whether you visit us online, or by phone, we always verify your identity before
granting access to your accounts.

STRONG ENCRYPTION

Transport Layer Security (TLS) technology is used to establish an encrypted
connection between your browser and our Web applications. TLS websites start
with "https://" instead of "http://" and signify that you are in a secure online
session with us. For your protection, we require a modern version of TLS and
industry standard encryption strength - these are supported by current versions
of all modern browsers.

SYSTEMS SURVEILLANCE

We're on the lookout for suspicious irregularities across our network and
infrastructure every day, all day.

FIREWALLS

Firewalls are protective barriers that defend our networks and computer systems
from hackers and cyber- attackers trying to gain access into our systems. We use
some of the strongest firewalls available in the industry to guard the
information housed in our servers.

LOGGING

System activity is logged in order to preserve the information necessary to
validate the transmission of data or the completion of a transaction.

FRAUD DETECTION

We monitor transactions for suspicious and unusual behavior to help verify that
they are authentic and legitimate.

RESTRICTED ACCESS TO DATA

We limit access to systems containing customer data to only those employees who
need it to conduct business or support key business functions. Access is
continually monitored and only granted to new associates as their role may
require.

EMPLOYEE EDUCATION

We make sure that our employees know and adhere to our security policies. We
require all associates to participate in ongoing security training, including
how to handle sensitive data and to be aware of security risks.

REGULARLY REFINE AND UPDATE SECURITY FEATURES

We review industry security standards and perform system testing on an ongoing
basis to help identify and implement the most up-to-date techniques and
technologies, and verify that our systems are performing as expected.







On Friday, December 24, 2021, we will be closed due to the holiday. We will
return to normal business hours on Monday, December 27, 2021.


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