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THE WINDERMERE REAL ESTATE401(k) PLAN FOR EMPLOYEESDISTRIBUTION FORMINSTRUCTIONS1.) Please read the notice regarding the (a.) TIMING & COST OF DISTRIBUTION on this page, (b.) the DISTRIBUTION ACKNOWLEDGEMENTS on thesignature page, and (c.) SPECIAL FEDERAL TAX NOTICE REGARDING PLAN PAYMENTS attached to the distribution form, to better understand the withdrawalprocess and tax consequences of cash distributions and rollovers.2.) Complete all of the information requested under PARTICIPANT INFORMATION. Please print clearly. Make sure you tell us the name of the WindermereOffice or company you work for, or if you left Windermere, for which you last worked.3.) Tell us why you are requesting a distribution. Select one TYPE AND AMOUNT OF DISTRIBUTION on page 2. Also, if you have AN OUTSTANDING LOANfrom the Plan, tell us how you want to deal with it on page 3.4.) Tell us how you want the money distributed. Select one FORM OF DISTRIBUTION on page 3.5.) Cash distributions and Roth IRA rollovers are taxable. If yours is, tell us how to handle your TAX WITHHOLDING OPTIONS on page 4.6.) In the section titled DELIVERY INSTRUCTIONS on page 4, tell us where to send the distribution.7.) If your account balance is 1,000 or more, AND you are married on the date you execute this form, you must get your spouse's consent AND have itnotarized on page 5. If you are not married, ignore this section.8.) On page 5, sign and date the form. Mail it to Windermere Insurance & Benefits (the address is on page 5 of this form). DO NOT SEND this form tothe Trust's custodial bank in Phoenix, AZ, to Northwest Plan Services on California Avenue in Seattle, or to Windermere Services on Sand Point, asthat will slow processing.If you have any questions regarding this form or the Plan, email retirement@windermere.com or call 425.844.9955 or 866.575.6975 (outside of Puget Sound).NOTICE REGARDING THE TIMING AND COST OF DISTRIBUTIONSRetirement plans, by their nature, are long term investment programs, not a demand (checking) account. It takes several entities and several days toconvert investment accounts into cash for withdrawal and/or rollover.Since the Trust is paid for by Plan Participants, there are several operational decisions that have been put in place to keep costs reasonable that also impact thespeed of distributions. For instance, the Trust processes distributions only once a week, usually on Tuesdays. Distribution forms received in the trust office ingood order on or before noon on processing day are processed at the market's close that night. It takes up to 3 business days to liquidate positions, obtain cashand issue a check. Participants usually receive checks in the mail on or about the 6th business day following processing. No stop pays and reissues will beperformed until the 10th business day following processing. The trust does not have ACH (direct deposit) or overnight processing options. Rush requests cannotbe accommodated.The Trust charges a processing fee for each distribution it processes. The fee covers data entry, converting your account to cash, printing check(s), federalwithholding deposit and reporting, postage, and a 1099 form for your tax return. The fee is 55 for each Distribution.Prior to liquidating an account, it is important to see that you have been credited with all the money you are owed. Generally, those who have been gone fromWindermere for some time have accounts that are current and their distributions can be completed within a couple of weeks. Those who have recently leftWindermere may require more time to process, to make sure all employer match payments have been deposited. In order to reduce the cost of distribution feescharged to your account, it is better to process your account at one time rather than part now and the rest when your match comes in. Generally, the wait is nolonger than a month from receipt of your form. If the Trust anticipates a longer wait, it will contact you regarding your options.Lastly, this form does not provide detailed information regarding all the installment payment options available since so few participants elect them. Installmentoptions are rarely elected because each periodic withdrawals incur another distribution fee each time a payment is released. Most participants roll their accountsinto IRAs or annuities that are set up to process periodic distributions at a more reasonable cost and have fewer withdrawal restrictions than do retirement plans.Please contact the Trust Office at the email address or phone numbers indicated above if you wish to take your distribution in the form of installment payments.PARTICIPANT INFORMATIONParticipant's Name:Mailing Address:City, State, Zip:Email:Day Phone Number:Windermere Office you lastworked in:Night Phone Number:Social Security Number:401(k) Distribution 012313.xlsxDate of Birth:Page 1 of 1001/05/2011
TYPE AND AMOUNT OF DISTRIBUTION (choose one)TERMINATION. I have terminated my relationship with Windermere effective as of the date listed below and am requesting a distribution of myentire account balance in the form selected below (see Form of Distribution later in this application).Date of Termination:IN-SERVICE WITHDRAWAL. I am still working at Windermere. I am requesting the following distribution from my account in the form selectedbelow (see Form of Distribution later in this application). Amounts or percentages indicated on this page are BEFORE TAX WITHHOLDING, ifapplicable. When a distribution is subject to taxes (see Page 4), NET PROCEEDS will be reduced by the amount of tax withheld.For example, if you specify 10,000 on this page, a lump sum cash payment on page 3, and minimum 20% tax withholding on page 4, the gross distribution will be 10,000,the tax withholding will be 2,000 and the net proceeds paid to you will be 8,000. If you need net proceeds of 10,000, you would have to increase the specified amount to 12,500 so that after 20% wihholding of 2,500 you netted a 10,000 payment.AGE 65 or Over Withdrawal Option. I am 65 or older. I wish to withdraw the following amount:Entire account balance.Specified amount orpercent:If Specified Amount is more than allowable amount, distributionamount will be reduced to the maximum available.AGE 59.5 to Age 65 Withdrawal Option. I am 59.5 years of age or older, but not yet 65. I understand that I am only entitled towithdraw the salary deferral portion of my account - what I contributed adjusted for earnings or loss. I am not entitled to withdraw theemployer match portion of my account. I wish to withdraw the following amount:Entire available balance.Specified amount orpercent:If Specified Amount is more than allowable amount, distributionamount will be reduced to the maximum available.Rollover Account: I previously rolled-over an account into the Plan. I am entitled to only one of these Distributions perplan/calendar year. I wish to withdraw the following amount:Entire Rollover account balance.Specified amount orpercent:If Specified Amount is more than allowable amount, distributionamount will be reduced to the maximum available.NoteLoan Option (Any Age): Loans are available to active employees. If you need a copy of the Loan Form, contact your PayrollDepartment. If you have general questions regarding loans, call 206-282-4232 or email retirement@windermere.com.NoteHARDSHIP Withdrawal Option (Any Age): This withdrawal type is only available to active employees and has its own distributionform. If you need a copy of the Hardship Withdrawal Form, call 206-282-4232 or email retirement@windermere.com.RETIREMENT. I have retired from Windermere effective as of the date listed below. I am requesting the distribution of my entire account balance inthe form selected below (see Form of Distribution later in this application).Date of Retirement:DISABILITY. I have become disabled effective as of the date listed below. I understand that to obtain a disability benefit, I must attach a copy of mydisability award from the Social Security Administration. I am requesting the distribution of my entire account balance in the form selected below(see Form of Distribution later in this application).Effective Date of Awardfrom Social Security:I have attached a copy of my Social Security Disability Award showing my effective date.DEATH BENEFIT. The participant named on page 1 is deceased. I have reason to believe that I am the participant's beneficiary. I am requestingthe distribution of my share of the deceased participant's account balance in the form selected below (see Form of Distribution later in thisapplication). I understand that to obtain a death benefit, I must attach a copy of the deceased participant's death certificate to this application.Further, I understand that a benefit is payable only if I am named as a beneficiary on the deceased participant's most current beneficiary designationform or, in absence of such form, there are no beneficiaries with superior rights to mine according to the terms of the plan.I have attached a copy of the participant's death certificate.Date of Participant's DeathBeneficiary's Name:Beneficiary's MailingAddress:Beneficiary's Email:Beneficiary's SocialSecurity Number:Beneficiary's Date of Birth:Beneficiary's BusinessHours Phone:Beneficiary's EveningHours Phone:If needed, attach a separate sheet with this same information for additional beneficiaries.401(k) Distribution 012313.xlsxPage 2 of 1001/05/2011
DO YOU HAVE AN OUTSTANDING PLAN LOAN?Please select one:I do not have an outstanding loan from the 401(k) Plan.I will NOT be paying off my loan. I understand my outstanding loan balance will be considered a taxable distribution. Taxes withheld on mydistribution will be based on my total Vested Balance which equals the market value of my invested funds on the date those funds are liquidatedAND my outstanding loan balance. Taxes will only be withheld if part or all of my distribution is in the form of a Lump Sum Payment.I would like to PAY OFF my outstanding loan. Before processing your withdrawal request, the administrator will contact you with loan payoffinformation. Your funds will not be distributed until the loan payoff is complete.FORM OF DISTRIBUTION (choose one)Direct Rollover (Not available for non-spouse beneficiaries of death benefits). I elect to roll over 100% of my distribution directly to aTraditional IRA, Roth IRA or another Employer’s Qualified Retirement Plan. I certify that I have set-up an IRA to receive this rollover or that I haveconfirmed that my new employer’s plan will accept the rollover. I understand that tax withholding is not applicable to rollovers into a Traditional IRAor another Qualified Plan. I understand that rollovers into Roth IRAs may have taxes withheld. The rollover account is a:Traditional, SEP, orRollover IRA (Taxwithholding notapplicable)Roth IRA (Tax withholdingis OPTIONAL)Qualified employer'sretirement plan (Taxwithholding not applicable)LUMP SUM CASH PAYMENT. I elect a lump sum cash payment of my distribution. I understand that my payment will be subject to mandatory20% federal income tax withholding and may be subject to state income tax withholding (see the Tax Withholding section below).COMBINATION OF DIRECT ROLLOVER AND LUMP SUM CASH PAYMENT. I elect BOTH a cash lump sum payment and a rollover to aTraditional IRA, Roth IRA or Employer’s Qualified Retirement Plan.With respect to the rollover portion of my distribution, I certify that I have set-up an IRA to receive this rollover or that I have confirmed that mynew employer’s plan will accept the rollover. I understand that tax withholding is not applicable to rollovers into a Traditional IRA or anotherQualified Plan. I understand that rollovers into Roth IRAs are taxable and at my option may have taxes withheld.With respect to the lump sum cash portion of my distribution, I understand that my payment will be subject to mandatory 20% federal incometax withholding and may be subject to state income tax withholding (see the Tax Withholding section below).Send this amount to my Traditional IRA: Send this amount to my ROTH IRA: Send this amount to me as a lump sumcash payment: IMPORTANT NOTE ABOUT DIVIDING A DISTRIBUTION AMONGMULTIPLE DESTINATIONS: If you divide your distribution into morethan one place, one of the "amounts" in the boxes to the left must betitled "REMAINDER." The other one or two amounts can be specificdollars but one account must get the "remainder." If no account isindicated as the remainder, or if your instructions are ambiguous, theremainder account will be presumed to be lump sum cash payment.If you don't want a portion of the distribution to go to one of theaccounts to the left, be sure to put a zero or "N/A" in the box.INSTALLMENT PAYMENTS. I elect annual, quarterly or monthly distributions as indicated on the INSTALLMENT ELECTION SUPPLEMENT. Iunderstand that if these payments are not rolled over into a Traditional IRA or other Qualified Plan these distributions are taxable.To obtain a copy of the INSTALMENT ELECTION SUPPLEMENT email retirement@windermere.com or call (425) 844-9955. The installmentprogram costs 4/month as of January 2011. This is in addition to the 55 distribution fee required to initiate a withdrawal. Fees may changewithout notice as vendor costs change.401(k) Distribution 012313.xlsxPage 3 of 1001/05/2011
TAX WITHHOLDING OPTIONSFederal withholding tax is mandatory on all lump sum distributions. Federal withholding tax is optional on Roth IRA rollovers. Federal withholding tax is notapplicable to rollovers to other qualified plans or Traditional IRAs. State withholding is subject to the state you live in and may or may not be mandatory. See theSpecial Federal Tax Notice regarding Plan payments attached to this form.Distribution amounts and taxes are figured on a GROSS basis. Amounts that are not rolled over into another tax deferred account, like a Traditional IRA oranother Qualified Plan, have taxes withheld and the amount distributed is NET of, or after taxes. For example, assuming you elect the minimum federalwithholding of 20%, there will be a GROSS distribution of 10,000, 2,000 paid in withholding taxes, and a NET cash distribution of 8,000. Since Roth IRARollovers may or may not have tax withheld, the amount of the roll over may be either GROSS or NET depending on your election.Withhold the Minimum Taxes: As applicable to the Forms of Distribution elected above, 20% Federal Income Tax withholding on my cashpayment; 0% on my Roth conversion (although my Roth conversion is taxable), and the minimum withholding applicable to my state.Withhold more than the recommended rate on federal and/or state taxable distributions as indicated below.With respect to federal withholding, include AN EXTRA:Specified amount IN ADDITION to 20% on my cash paymentsand 0% on my Roth:Specified percentage IN ADDITION to 20% on my cashpayments and 0% on my Roth: %With respect to state withholding, include AN EXTRA:Specified amount IN ADDITION the state's minimum: Specified percentage IN ADDITION to the state's minimum%Tax rates change frequently. The tax rate for your jurisdiction may have changed since the Tax Notice following this application was printed. If your elections do not satisfy federal or yourstate's minimum withholding requirements in effect at the time of your withdrawal, the applicable minimum withholding will be used in place of your elections.DELIVERY INSTRUCTIONS (check as many as apply to your Form(s) of Distribution)NOTE: All distributions and rollovers are reported on an IRS Form 1099-R in January following the calendar year in which a distribution check is issued. The1099-R will be sent to the same address as on Page 1.LUMP SUM CASH PAYMENT. Send to my home address shown at the beginning of this form.LUMP SUM CASH PAYMENT. Send to an alternate address.Care of:Mailing Address:City, State, ZipROLLOVERS to IRA, Roth, SEP or Qualified Plan. Send directly to a financial institution or plan:Name of Trustee / Custodian:Financial Institution Mailing Address:City State & Zip:Plan Name (if applicable):Plan or Account Number for Deposit:Contact name & phone number:If needed, attach a separate sheet with this same information if you are distributing funds to more than one IRA, Roth or Qualified Plan.ROLLOVERS to IRA, Roth or Qualified Plan. Send to the address below and I will arrange to have it delivered to my new financial institution.Name of Trustee / Custodian:My Mailing Address:City State & Zip:Plan Name (if applicable):Plan or Account Number for Deposit:If needed, attach a separate sheet with this same information if you are distributing funds to more than one IRA, Roth or Qualified Plan.401(k) Distribution 012313.xlsxPage 4 of 1001/05/2011
MARITAL STATUS (check one)I AM NOT MARRIED.I AM MARRIED.SPOUSAL CONSENT: If my account balance is 1,000 or more, spousal consent is REQUIRED and spouse's signature MUST BEnotarized. If account balance is under 1,000, spousal consent is not needed.I (PRINT NAME OF SPOUSE) , the Participant's spouse, hereby consent to theforegoing election by my spouse for a withdrawal of all or a portion of his/her account balance. I understand that this withdrawal will reduce the amount of benefitto which my spouse and I will be entitled to at retirement.I understand that I do not have to consent to this waiver election. I understand that my consent is irrevocable unless my spouse revokes the foregoing electionand that any change in the form of benefit election is subject to my consent.Spouse SignatureNotary PublicMy license expires on date On the day of , 20 before me came to beknown and known to me as the person described in and who executed the above statement and (s)he duly acknowledged to me that (s)he executed the same.{ Seal }PARTICIPANT AUTHORIZATION & DISTRIBUTION ACKNOWLEDGEMENTI understand that a distribution fee of 55 will be deducted from my balance to process this request.I have read the accompanying "Special Federal Tax Notice Regarding Plan Payments." I understand that I should consult with my own tax advisor with respectto the proper method of reporting any distribution I receive from the Plan.I consent to an immediate distribution of the elected portion of my account. Furthermore, I elect to waive my 30-Day Election Period (no less than 7 days) duringwhich I may consent to a distribution from the Plan.I certify that the information I have provided above is true and correct to the best of my knowledge. I understand that the trustee of "The Plan" will rely on thisinformation in making the distribution that I have requested. I hereby consent to payment of my vested account balance as indicated on this form. I understandthat "The Plan" reserves the right to directly, or through its Third Party Administrator, recover any payments made in excess of amounts to which I am entitledunder the terms of the Plan, regardless of the method of payment.Signature of ParticipantSEND DISTRIBUTION FORM TO:DateFOR ADVISORY COMMITTEE USE ONLY:APPLICATION APPROVED.Windermere 401(k) PlanAPPLICATION DENIED. See attached letter dated:c/o Windermere Insurance & BenefitsPO Box 1060Duvall, WA 98019-1060//Signature of Plan Advisory Committee Member & DateTHIS IS THE END OF THE DISTRIBUTION FORM. WHEN YOU RETURN THE FORM DO NOT SEND BACK THE TAXNOTICE ATTACHED.401(k) Distribution 012313.xlsxPage 5 of 1001/05/2011
TERMINATED PARTICIPANT DISTRIBUTION OPTIONS & SPECIAL FEDERAL TAXNOTICE REGARDING PLAN PAYMENTSNOTICE TO TERMINATED PARTICIPANT WITH PLAN BENEFITYou currently have a benefit in the Windermere Retirement Plan. Because you are no longer employed with Windermere, you are now eligibleto receive your Plan benefit. However, you may also choose to leave your benefit in the Plan. If you choose to leave your benefit in the Plan, thetax deferred status of your account will continue, and the Trustee will continue to invest your account(s) in the Plan’s investment options inaccordance with your instructions. Should you elect to defer your distribution, you may request a distribution at any time unless youremployment status under the Plan has changed. It will be your responsibility to notify us of any address change you may have.If you decide to take your benefit out of the Plan, you may elect to have it paid directly to you or rolled over to the custodian of an IRA ortrustee of another eligible retirement plan. Please note that this means your account will no longer be invested in the investment optionsavailable under the Plan. In addition, be aware that some currently available investment options in the Plan may not be generally available onsimilar terms outside the Plan, and that fees and expenses (including administrative or investment related fees) outside the Plan may be differentfrom fees and expenses in the Plan. If rolled over to another eligible retirement plan or IRA, the tax deferred status of your account willcontinue. The enclosed Special Tax Notice Regarding Plan Payments explains the federal income tax ramifications of distributions that areeligible for rollover and the types of retirement plans eligible to receive such distributions.Please note that when your benefit is paid directly to you, the taxable portion of the amount distributed will be included in your taxable income(unless you subsequently roll the distribution over). The enclosed Special Tax Notice Regarding Plan Payments explains the federal income taxramifications of having your benefit paid directly to you.We have enclosed the following items with this notice to assist you in making your elections:Factors to ConsiderDistribution Election FormSpecial Federal Tax Notice Regarding Plan PaymentsPlease consult with your tax advisor to determine the financial impact of each distribution option before you making your elections.OptionsAdvantagesConsiderationsLeave your moneyin your formeremployer’s planEasyContinued tax deferralAccess to same investment choicesAfter age 55, penalty free withdrawals may bepossibleBreadth of investment options within a planFlexibility of distribution optionsOptions for beneficiariesPossible restrictions and feesMove it to arollover IRAEasy to establishContinued tax deferralWide array of investment choicesAllows for consolidation of multiple accountsFlexibility of distribution optionsFlexibility for beneficiariesLoss of plan-specific optionsPossible feesMove it to youremployer-sponsored planContinued tax deferralAllows for consolidation of multiple retirementaccountsBreadth of investment optionsSubject to all provisions of the new planAbility to withdraw savings and tax treatmentvariesDirect cash payment(s)Immediate access to your savingsEnds tax deferral status on payments madeUsually required 20% withholding and potential10% early withdrawal penaltyLiquidating your account leaves you with lessmoney for retirementDistribution Tax Notice 063010r.doc1 of 5
TERMINATED PARTICIPANT DISTRIBUTION OPTIONS & SPECIAL FEDERAL TAXNOTICE REGARDING PLAN PAYMENTSThis Special Tax Notice Applies to Distributions from The Windermere Retirement Plans.These plans contain pre-tax monies only. They do not contain after-tax money.YOUR ROLLOVER OPTIONSYou are receiving this notice because all or a portion of a payment you are receiving from the Windermere Retirement Plan (the “Plan”) is eligibleto be rolled over to an IRA or an employer plan. This notice is intended to help you decide whether to do such a rollover. This notice describes therollover rules that apply to payments from the Plan that are not from a designated Roth account (a type of account with special tax rules in someemployer plans). If you also receive a payment from a designated Roth account in the Plan, you will be provided a different notice for that payment,and the Plan administrator or the payor will tell you the amount that is being paid from each account. Rules that apply to most payments from a plan aredescribed in the “General Information About Rollovers” section. Special rules that only apply in certain circumstances are described in the “SpecialRules and Options” section.GENERAL INFORMATION ABOUT ROLLOVERSHow can a rollover affect my taxes?You will be taxed on a payment from the Plan if you do not roll it over. If you are under age 59! and do not do a rollover, you will also have to pay a10% additional income tax on early distributions (unless an exception applies). However, if you do a rollover, you will not have to pay tax until youreceive payments later and the 10% additional income tax will not apply if those payments are made after you are age 59! (or if an exception applies).Where may I roll over the payment?You may roll over the payment to either an IRA (an individual retirement account or individual retirement annuity) or an employer plan (a taxqualified plan, section 403(b) plan, or governmental section 457(b) plan) that will accept the rollover. The rules of the IRA or employer plan that holdsthe rollover will determine your investment options, fees, and rights to payment from the IRA or employer plan (for example, no spousal consent rulesapply to IRAs and IRAs may not provide loans). Further, the amount rolled over will become subject to the tax rules that apply to the IRA or employerplan.How do I do a rollover?There are two ways to do a rollover. You can do either a direct rollover or a 60-day Rollover. If you do a direct rollover, the Plan will make thepayment directly to your IRA or an employer plan. You should contact the IRA sponsor or the administrator of the employer plan for information onhow to do a direct rollover. If you do not do a direct rollover, you may still do a rollover by making a deposit into an IRA or eligible employer plan thatwill accept it. You will have 60 days after you receive the payment to make the deposit. If you do not do a direct rollover, the Plan is required towithhold 20% of the payment for federal income taxes (up to the amount of cash and property received other than employer stock). This means that, inorder to roll over the entire payment in a 60-day rollover, you must use other funds to make up for the 20% withheld. If you do not roll over the entireamount of the payment, the portion not rolled over will be taxed and will be subject to the 10% additional income tax on early distributions if you areunder age 59! (unless an exception applies).How much may I roll over?If you wish to do a rollover, you may roll over all or part of the amount eligible for rollover. Any payment from the Plan is eligible for rollover, except: Certain payments spread over a period of at least 10 years or over your life or life expectancy (or the lives or joint life expectancy of you and yourbeneficiary) Required minimum distributions after age 70! (or after death) Hardship distributions ESOP dividends Corrective distributions of contributions that exceed tax law limitations Loans treated as deemed distributions (for example, loans in default due to missed payments before your employment ends) Cost of life insurance paid by the Plan Contributions made under special automatic enrollment rules that are withdrawn pursuant to your request within 90 days of enrollment Amounts treated as distributed because of a prohibited allocation of S corporation stock under an ESOP (also, there will generally be adverse taxconsequences if you roll over a distribution of S corporation stock to an IRA). The Plan administrator or the payor can tell you what portion of apayment is eligible for rollover.If I don’t do a rollover, will I have to pay the 10% additional income tax on early distributions?If you are under age 59!, you will have to pay the 10% additional income tax on early distributions for any payment from the Plan (including amountswithheld for income tax) that you do not roll over, unless one of the exceptions listed below applies. This tax is in addition to the regular income tax onthe payment not rolled over.Distribution Tax Notice 063010r.doc2 of 5
TERMINATED PARTICIPANT DISTRIBUTION OPTIONS & SPECIAL FEDERAL TAXNOTICE REGARDING PLAN PAYMENTSThe 10% additional income tax does not apply to the following payments from the Plan: Payments made after you separate from service if you will be at least age 55 in the year of the separation Payments that start after you separate from service if paid at least annually in equal or close to equal amounts over your life or life expectancy (or thelives or joint life expectancy of you and your beneficiary) Payments from a governmental defined benefit pension plan made after you separate from service if you are a public safety employee and you are atleast age 50 in the year of the separation Payments made due to disability Payments after your death Payments of ESOP dividends Corrective distributions of contributions that exceed tax law limitations Cost of life insurance paid by the Plan Contributions made under special automatic enrollment rules that are withdrawn pursuant to your request within 90 days of enrollment Payments made directly to the government to satisfy a federal tax levy Payments made under a qualified domestic relations order (QDRO) Payments up to the amount of your deductible medical expenses Certain payments made while you are on active duty if you were a member of a reserve component called to duty after September 11, 2001 for morethan 179 days Payments of certain automatic enrollment contributions requested to be withdrawn within 90 days of the first contribution.If I do a rollover to an IRA, will the 10% additional income tax apply to early distributions from the IRA?If you receive a payment from an IRA when you are under age 59!, you will have to pay the 10% additional income tax on early distributions from theIRA, unless an exception applies. In general, the exceptions to the 10% additional i
HARDSHIP Withdrawal Option (Any Age): This withdrawal type is only available to active employees and has its own distribution form. If you need a copy of the Hardship Withdrawal Form, call 206-282-4232 or email retirement@windermere.com. I have attached a copy of my Social Security Disability Award showing my effective date.
