HardshipWithdrawalAfter-TaxWithdrawalAge 59½WithdrawalNNS In-ServiceWithdrawalRolloverWithdrawalQualified ReservistWithdrawalWithdrawalfrequencyMinimum amountrequired forwithdrawalEligibilityAll available loansmust be takenbefore awithdrawal can bemadeNot applicableNormally not lessthan $500ActiveParticipants haveaccess to Pre-TaxContributions butonly for qualifieddocumentedfinancial needsLimited to onewithdrawal per planyearUnlimited daily;reference theprospectus for allfundsUnlimited daily;reference theprospectus for allfundsUnlimited daily;reference theprospectus for allfundsUnlimited daily;reference the prospectusfor all fundsNot applicable Not applicable Not applicable Not applicable Not applicableActive Participantsalways have access toAfter-Tax contributionsActive Participantsthat have reached59½ years oldAllows access to allaccounts (sources)Former NNSemployees alwayshave access to theirNNS-named accounts(sources)Active Participantsalways have access toassets rolled over intothe planYes Not applicable Not applicable Not applicable Not applicable NoActive Participants, buton qualified MilitaryServices LeaveMarch 201117<strong>AMSEC</strong> SPD
Do I F or feit A ny B enefits if M y E mployment T er minates?You are always fully vested in your Accounts. Accordingly, you will not forfeit any amount in yourAccounts upon termination.Distribution OptionsYou are eligible to receive your account balance upon retirement, termination of employment, or totaland permanent disability. You can:• Leave it in the <strong>Plan</strong> if your balance equals or exceeds $5,000. The IRS requires that you begintaking distributions when you turn age 70½.• Receive it as a lump-sum cash payment.• Roll it over to another employer’s eligible plan or an IRA. For information on a direct rollover toa Vanguard IRA®, <strong>Connect</strong> with Vanguard® at 1-800-523-1188.• If your account balance equals or exceeds $5,000, receive your entire account balance in the formof systematic payments for the remainder of your life, and if you elect, the life of your survivingspouse. Your surviving spouse may receive payments for life with each payment equal to 50% or75% of the amount of a payment to you during your lifetime.Y our B r oker age A ccount R equir es S pecial A ctionYou can avoid paying taxes by rolling over your Vanguard Brokerage Option account to a traditionalVanguard Brokerage Services IRA. If you prefer to receive your brokerage balance as a taxable cashdistribution, you must sell the assets and transfer the proceeds to other <strong>Plan</strong> investments.Note: If the value of your account is at least $1,001 but no more than $5,000, it cannot be left in the<strong>Plan</strong>. You must decide within 90 days of termination how you want to take your account balance sothat you have control over your distribution method and investments. You can roll your accountbalance over to an IRA or other employer’s eligible plan or receive a lump-sum cash payment.According to federal regulations, unless you act within 90 days of termination, your balanceautomatically is rolled over to a new IRA at Vanguard in a money market fund.If your balance is $1,000 or less, you receive a taxable cash distribution unless you request a rolloverwithin 90 days of termination.*Tax implications: You are responsible for paying any federal, state, local, or foreign taxes on adistribution or withdrawal from pre-tax accounts. Early withdrawals may be subject to a 10% federalpenalty tax. To the extent required by law, Vanguard will make the appropriate withholding for taxpurposes.StatementsAccess your plan statements for account information, transaction confirmations, and administrationfees. Statements can also be viewed online at www.vanguard.com.March 201118<strong>AMSEC</strong> SPD