<br />
TABLE OF CONTENTS<br />
<br />
Getting Started.................................................2<br />
VEST Benefits ..................................................3<br />
VEST Distributions..........................................5<br />
Financial Aid.....................................................6<br />
Tax Information.............................................12<br />
VEST CHECKLIST<br />
<br />
□ Complete the enclosed Student<br />
Verification Form, and mail it to us at<br />
9001 Arboretum Parkway, Richmond,<br />
Virginia 23236, or fax it to us at our<br />
toll-free fax number, 1-866-757-1295.<br />
You may use the enclosed envelope for<br />
your convenience. Please ensure that<br />
we receive this Form before requesting<br />
any distribution to a higher education<a title="Vest Benefits Guide 2010-2011 page 1" href="http://viewer.zmags.com/publication/ad63ccee?page=1">TABLE OF CONTENTSGetting Started...............</a> TABLE OF CONTENTSGetting Started...............<a title="Vest Benefits Guide 2010-2011 page 2" href="http://viewer.zmags.com/publication/ad63ccee?page=2">Getting StartedHow do I begin withdrawing money</a> Getting StartedHow do I begin withdrawing money<a title="Vest Benefits Guide 2010-2011 page 3" href="http://viewer.zmags.com/publication/ad63ccee?page=3">In addition, a VEST account beneficiary may be ch</a> In addition, a VEST account beneficiary may be ch<a title="Vest Benefits Guide 2010-2011 page 4" href="http://viewer.zmags.com/publication/ad63ccee?page=4">educational institution. The allowable amount of </a> educational institution. The allowable amount of <a title="Vest Benefits Guide 2010-2011 page 5" href="http://viewer.zmags.com/publication/ad63ccee?page=5">Department of Education Web site noted in the pre</a> Department of Education Web site noted in the pre<a title="Vest Benefits Guide 2010-2011 page 6" href="http://viewer.zmags.com/publication/ad63ccee?page=6">Request Form and when the amount to be distribute</a> Request Form and when the amount to be distribute<a title="Vest Benefits Guide 2010-2011 page 7" href="http://viewer.zmags.com/publication/ad63ccee?page=7">reported on the FAFSA. (The FAFSA is the applicat</a> reported on the FAFSA. (The FAFSA is the applicat<a title="Vest Benefits Guide 2010-2011 page 8" href="http://viewer.zmags.com/publication/ad63ccee?page=8">How can I get the correct account value(s) to rep</a> How can I get the correct account value(s) to rep<a title="Vest Benefits Guide 2010-2011 page 9" href="http://viewer.zmags.com/publication/ad63ccee?page=9">Enter your Login ID and Password as indicated bel</a> Enter your Login ID and Password as indicated bel<a title="Vest Benefits Guide 2010-2011 page 10" href="http://viewer.zmags.com/publication/ad63ccee?page=10">Go to the “Select a Beneficiary” section and, in </a> Go to the “Select a Beneficiary” section and, in <a title="Vest Benefits Guide 2010-2011 page 11" href="http://viewer.zmags.com/publication/ad63ccee?page=11">This example represents an account owner who must</a> This example represents an account owner who must<a title="Vest Benefits Guide 2010-2011 page 12" href="http://viewer.zmags.com/publication/ad63ccee?page=12">If the student receives a full or partial athleti</a> If the student receives a full or partial athleti<a title="Vest Benefits Guide 2010-2011 page 13" href="http://viewer.zmags.com/publication/ad63ccee?page=13">What are “adjusted qualified higher education exp</a> What are “adjusted qualified higher education exp<a title="Vest Benefits Guide 2010-2011 page 14" href="http://viewer.zmags.com/publication/ad63ccee?page=14">made in the same tax year as the expenses were in</a> made in the same tax year as the expenses were in