аЯрЁБс>ўџ .0ўџџџ-џџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџьЅС#` №П6%bjbjmЅmЅ .&ЯЯѓ џџџџџџЄЄЄЄЄЄЄЄИМ М М М а ИЖ№ № № № № № № № Y [ [ [ [ [ [ Ьh4J[ uЄБ № № Б Б [ ЄЄ№ № а    Б .Є№ Є№ Y  Б Y   ЄЄ № ф `Ч™™еGЬМ п R Y ц 0 ~1 ж~ ~Є <№ ZJ @ Š 4О ѓ№ № № [ [  № № № Б Б Б Б ИИИМ ИИИМ ИИИЄЄЄЄЄЄџџџџ  Heroes Earnings and Assistance Relief Tax Act of 2008 (HEART) Summary of Material Modifications Name of Plan ТщЖЙЙњВњAV College Retirement Plan Name of Adopting Employer ТщЖЙЙњВњAV College Plan Sequence Number 001 Plan Year End 06-30 The purpose of this document is to update your Summary Plan Description (SPD). This document is very important and should be kept with your SPD. If any provisions in this Summary of Material Modifications (SMM) conflict with your SPD, the terms of this SMM will apply. To the extent addressed below, your SPD is amended to read as follows. CONTRIBUTIONS AND VESTING If I die or become Disabled during military service, will the time I was providing military service be considered for determining whether I will receive employer contributions? m Yes  %No Employer contributions If  Yes is selected, your Employer will treat you as if you had been reemployed on the day before your death or disability and terminated on the day of death or disability to determine your Plan contributions. No matter which box is selected above, if you die, your Employer will treat you as if you had been reemployed on the day before your death and terminated on the day of your death to determine all of your benefits under the Plan other than contributions. If “Yes” is selected above, your military service will be considered for contribution purposes if you die or become Disabled on or after ___________. If I become Disabled during military service, will the time I was providing military service be considered for determining the vested portion of my Plan balance? m Yes m No  %Not applicable Vesting credit If  Yes is selected, your Employer will treat you as if you had been reemployed on the day before your disability and terminated on the day of disability to determine the vested portion of your Plan balance. If “Not applicable” is selected, your Employer’s Plan currently provides you with 100% vesting if you become Disabled. If “Yes” is selected above, your military service will be considered for vesting purposes if you become Disabled on or after_______. DISTRIBUTIONS May I take a distribution from the Plan if I am an active-duty member of the armed forces?  %Yes m No Distribution for active duty members of the armed forces If  Yes is selected, and you are on active duty in the uniformed services for a period of more than 30 days, you may elect to take a distribution of your Elective Deferrals from the Plan?guvПеищ№L Q k m      D дѓєŒЪЫ^`jltv’˜ДЖИœЇќєяхохохзхЮШхЮхЮхТЮТЮИЮЏЮІœ•œТІТІТІШ‹wnТnhј]h№~SCJhј]h№~S>*АфДГГѓјБеГѓ?Вд<>*CJhј]hј]6CJ h8ж5CJhј]h?n<5CJhј]h?n<CJhј]hbdCJhј]h[<–6CJ h{ћCJ hј]CJhј]h[<–CJ h‰$5CJ hј]5CJhј]h[<–5CJ h[<–5h[<–h[<–5h[<–*@efg•Пя№G H k l   B D єѕ‹Œ\^ЖИЇЈ§§§§§§§§§§§§№§§§чччччччччч„а^„аgd[<– „а„0§^„а`„0§gd[<–6%§ЇЈ-.2 † к $!C!D!Ž!™!š!Ё!­!Ў!"" """H"™$š$'%(%)%3%5%6%њєытиєтєтвШтЦтНєтНГНвЉЃš‘š‘š‡šЃš~št~‡h‰$hы>Џ>*CJh‰$hы>ЏCJh‰$hј]6CJh‰$h{ћCJh‰$hј]CJ hј]CJhј]hј]5CJhы>Џhј]>*CJhј]hј]CJUhј]hј]6CJ hј]CJhј]h№~S5CJhј]h№~SCJhј]h{ћCJ h{ћCJ h№~SCJ%Ј-.@AžˆŠD!E!š!›!!­!Ў!ў!џ!H"J"™$š$6%іііііііііііііііііііііі„а^„аgd[<– while you are active duty without severing from employment with your Employer. However, if you choose to take distributions under this provision, you will not be permitted to make Elective Deferrals or Nondeductible Employee Contributions to the Plan during the six-month period beginning on the date of the distribution. If “Yes” is selected above, you may take these distributions on or after 12/31/2007. DEFINITIONS Is differential military pay received from my Employer considered Compensation?  %Yes m No Differential Military Pay If  Yes is selected, and your Employer chooses to provide differential pay to you while you are on active duty with the uniformed services for a period of more than 30 days, the pay will be considered additional Compensation paid to you for purposes of determining Plan contributions. See your Plan Administrator to determine if your Employer provides differential pay. If “Yes” is selected above, differential military pay you receive will be considered Compensation paid to you for years beginning on or after 07/01/2009. ,1hАа/ Ар=!А"А# $ %ААаАа а†œ@@ёџ@ NormalCJ_HaJmH sH tH DAђџЁD Default Paragraph FontRiѓџГR  Table Normalі4ж l4жaі (kєџС(No Listѓ &џџџџ@efg•Пя№GHklABЋЌNO{|ЧШMN`aНО    X Y [ k l М Н с т V W ѕ ˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€Ї6% Ј6% 6% џџrшK ~"sшKєNџtшKќTџuшKд"vшKДOџwшKЏ8ж{ћџ@p    ОО Н Н ѓ @@@ @@@@$@@@@@@"@H@џџUnknownџџџџџџџџџџџџG‡z €џTimes New Roman5€Symbol3& ‡z €џArial"qˆ№аhYЊї†ЈЋї† Ћї†Fп п !№ ДД24dь ь 2ƒ№HX)№џ?фџџџџџџџџџџџџџџџџџџџџџ[<–2џџpneumannpneumannўџр…ŸђљOhЋ‘+'Гй0„˜ ЌИЬифє  4 @ L Xdlt|ф pneumannNormal pneumann6Microsoft Office Word@$eЧ @М#ЄРGЬ@žG—ЉGЬ@РŽ˜еGЬп com:office:office#Author TemplateUrl xd_ProgIDPublishingStartDatePublishingExpirationDate ContentTypeId _SourceUrl _SharedFileIndexА Pamela R. 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