If you have an account in the U.S. 403(b) Retirement Plan, you are eligible to receive your vested account balance upon retirement, termination of employment, or total and permanent disability. You have the option of leaving your savings in the Plan until you reach the age of 70½, when regulations mandate the beginning of required minimum distributions. To learn about your distribution options, please refer to the Vanguard website.

If you remain in the plan, please keep your personal details up to date by utilizing the Vanguard website or call +1-800-523-1188 within the United States and +1-610-669-1000 from overseas.

If you have an account with TIAA/CREF (for U.S. participants prior to 2006), you will need to call +1-800-842-2776 within the United States or call collect to +1-212-490-9000 outside the United States to discuss your distribution options.