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¹ Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply. ² Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. *Distributions from your QRP are taxed as ordinary income and may be subject to an IRS 10% additional tax if taken prior to age 59 1/2. You avoid the IRS 10% additional tax, if you left your employer in the year you turned age 55 or older (age 50 for certain public safety employees).