Withdrawals are allowed only upon separation from service, attainment of age 72 or death, which are considered to be triggering events. The Plan also includes a provision allowing the in-service distribution of accounts that do not exceed $5,000 if both conditions are met:

• You have not made any contributions to the Plan during the prior two years.
• You have not received this type of in-service distribution in the past.

Please note: The IRS requires that distributions under a 457 plan begin no later than the April 1st of the calendar year following the calendar year in which you attain age 73 or separate from service, whichever occurs later. If you fail to receive the required minimum distribution (RMD) for any tax year, an excise tax may be imposed on the amount that was not timely distributed.

If you are eligible and choose to take a withdrawal, there are no withdrawal fees.

When eligible for a withdrawal, your payment options are as follows:

• Systematic withdrawal of your account (for account balances of at least $5,000)
• Deferral of all or a portion of your benefits to a later date
• Lump sum or partial lump sum distribution, in combination with other options
• Annuity Options
• Rollover into Another Eligible Plan

If you decide at a later date that your existing payment option is not appropriate for your current situation, you may make a change. Changes to a previously elected annuity payment option are not permitted. Withdrawal forms can be obtained by contacting NDC’s Plan Information Line at (855) GO-RET-NV (467-3868) or by logging into your account and visiting the Withdrawals menu.