Checking Account Option

The IAble Checking Account option is provided through Fifth Third Bank, N.A. and gives account owners a flexible way to pay for everyday expenses or save money for future expenses.

Key Benefits

Debit card
Unlimited check writing
No overdraft or insufficient funds fees
Balances earn interest
FDIC insured
Access to balance and transaction activity through online and mobile banking
Fifth Third Instant Alerts: Get immediate information on account and online security and instant notices for card and spending activity
Monthly online or paper statement options
Access to over 50,000 fee-free ATMs
No monthly service charge, if you a) have an average monthly balance of $250 or more during your statement cycle OR b) sign up for online paperless statements. (Otherwise, it is $2.00 per month).
Seeks to provide preservation of principal.
Can be selected as an option during the enrollment process in the IAble plan.

Risks

For a list and descriptions of the risks associated with the FDIC-insured Checking Option, see the Investment Option Descriptions and Appendix B - Fifth Third Terms and Conditions in the Plan Disclosure Statement.

For more information about IAble (the "Member Plan"), call (888) 609-8910, or visit https://www.IAble.gov to obtain Plan Disclosure Documents, which include investment objectives, risks, charges, expenses, and other important information; read and consider it carefully before investing.

Before investing in any qualified ABLE program, you should consider whether your home state offers a qualified ABLE program that provides its taxpayers with favorable state tax and other benefits that are only available through investment in the home state's qualified ABLE program. You also should consult your financial, tax, or other adviser to learn more about how state-based benefits (or any limitations) would apply to your specific circumstances. You also may wish to directly contact your home state's qualified ABLE program, or any other qualified ABLE program, to learn more about those plans' features, benefits and limitations. Keep in mind that state-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision.

The Member Plan is sponsored by the state of Iowa and administered by Treasurer of the State. The Member Plan is one of the qualified ABLE plans issued by the Ascensus ABLE Consortium Trust. Ascensus College Savings Recordkeeping Services, LLC, the Program Manager, and its affiliates have overall responsibility for the day-to-day operations, including investment advisory, recordkeeping and administrative services. The Member Plan offers a series of investment options within the Ascensus ABLE Consortium Trust. The Member Plan is intended to operate as a qualified ABLE plan to be used only to save for Qualified Disability Expenses, pursuant to the Section 529A of the U.S. Internal Revenue Code, as amended.

This material is provided for general and educational purposes only, and is not intended to provide legal, tax or investment advice, or for use to avoid penalties that may be imposed under federal or state tax laws. This material is not an offer to sell or a solicitation of an offer to buy any securities. Participation in the Member Plan does not guarantee that contributions and the investment return on contributions, if any, will be adequate to cover future expenses or that an account owner is eligible to participate in the Member Plan.

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