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¹ Expense ratio information is the total annual underlying fund expenses for the investment funds that make up each Investment Option. Expense ratios are as of the most recent Program Disclosure Statement dated December 30, 2022 and also include the 0.08% program management fee and the 0.02% state fee. _back

² The underlying omnibus bank accounts annual percentage yield is 5.53% as of August 1, 2023. This rate is variable and subject to change at any time. There is no minimum balance required to obtain this rate. Interest earnings realized by participants will be reduced by the program management fee and state administrative fee. _back

³ This Investment Option invests exclusively in the Vanguard Federal Money Market Fund. You could lose money by investing in the Investment Option. Although the Investment Option seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Investment Option and Underlying Investment is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Neither the Program Manager nor the Underlying Investment’s sponsor has any legal obligation to provide financial support to the Investment Option or Underlying Investment, and you should not expect that either the Program Manager or the fund sponsor will provide financial support to the Investment Option or the Underlying investment at any time. _back

⁴ Since Inception Returns for less than one year are not annualized. _back

Past performance is not necessarily an indication of future performance. Investment return and principal value will fluctuate, and you may have a gain or loss when you sell your shares. Current performance may be lower or higher than the performance data above. Performance information is current as of the most recent timeframe referenced above and is net of the underlying fund expenses, the 0.08% program management fee, and the 0.02% state fee.

For more information about the risks associated with each Investment Option and Underlying Investments, read the Program Disclosure Statement and the fund prospectus. The Investment Options’ risks are directly related to the risks of the Underlying Investments.

An investor should consider the investment objectives, risks, and charges and expenses associated with municipal fund securities before investing. This and other important information is contained in the fund prospectuses and the NEST Direct College Savings Plan Program Disclosure Statement (issuer’s official statement), which should be read carefully before investing. You can lose money by investing in an Investment Option. Each of the Investment Options involves investment risks, which are described in the Program Disclosure Statement. An investor should consider, before investing, whether the investor’s or 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 such state’s 529 plan. Investors should consult their tax advisor, attorney, and/or other advisor regarding their specific legal, investment, or tax situation.

The NEST Direct College Savings Plan (the “Plan”) is sponsored by the State of Nebraska, administered by the Nebraska State Treasurer, and the Nebraska Investment Council provides investment oversight. Union Bank and Trust serves as Program Manager for the Plan. The Plan offers a series of Investment Options within the Nebraska Educational Savings Plan Trust (the “Trust”), which offers other Investment Options not affiliated with the Plan. The Plan is intended to operate as a qualified tuition program.

Except for any investments made by a Plan participant in the Bank Savings Underlying Investment up to the limit provided by Federal Deposit Insurance Corporation (“FDIC”) insurance, neither the principal contributed to an account, nor earnings thereon, are guaranteed or insured by the State of Nebraska, the Nebraska State Treasurer, the Nebraska Investment Council, the Trust, the Plan, any other state, any agency or instrumentality thereof, Union Bank and Trust Company, the FDIC, or any other entity. Investment returns are not guaranteed. Account owners assume all investment risk, including the potential loss of principal.

NOT FDIC INSURED* NO BANK GUARANTEE MAY LOSE VALUE

(*Except the Bank Savings Underlying Investment)

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