Upon reaching age 59-1/2, you can generally request payment of all or a portion of your vested account balance as an "in-service distribution" even if you continue to work. In-service distributions can generally be made without early withdrawal penalties; however, they will be subject to applicable income taxes unless timely rolled over to an IRA. (Note: the in-service distribution option is new for legacy Quintiles 401(k) participants effective with the IQVIA plan merger.)

In addition, certain other in-service distribution alternatives may be available if you are 100% vested in: (i) amounts held in certain legacy Quintiles 401(k) Profit Sharing Accounts, (ii) accounts transferred to the legacy IMS 401(k) from the Cegedim 401(k) or Synavant Plans, or (iii) QINC Transfer Account if the amount has accumulated for at least two years or you have been a participant for five or more plan years. Please contact Fidelity Customer Services at 800-835-5097 for additional information regarding legacy in-service distribution alternatives for these accounts. Note, distribution from your QINC Transfer Account will be subject to the written consent of your spouse. If you receive a distribution from these accounts prior to attaining age 59-1/2, you will also generally be subject to an additional tax of 10% unless you qualify for an exception.

Please consult your tax advisor about the tax consequences of such a withdrawal to you. For more information on in-service distributions, contact Fidelity.