January 23, 2017 Page 1 of 4

Timothy E Day
13822 Iowa St
Westminster CA 92683-3820

Remember to take your 2017 required minimum distribution

Dear Timothy E Day:
Because you're over the age of 70 1/2, you must take an annual required minimum distribution (RMD) from your
IRA (traditional IRA, rollover IRA, SIMPLE IRA or SEP-IRA) assets with Vanguard by December 31, 2017. For
additional information about RMDs, log on to your account at vanguard.com; from the "My Accounts" dropdown,
select "Account maintenance"; then under "Services," select "Required minimum distributions (RMD)."
As a courtesy to you, Vanguard is now providing you with this RMD notification letter that contains your RMD
amount and other important information. A confirmation statement detailing your RMD is enclosed. If you have
multiple IRAs, the IRA RMD amount listed below represents the total RMD for all of your Vanguard IRAs.
Your Vanguard IRA(R) RMD for 2017 is: $5,455.51
If you have more than one IRA, you can take your total RMD amount from any one or a combination of your IRAs.
If you withdraw less than the RMD amount, you may owe a 50% federal penalty tax on the difference.
How to take your distribution
For an easy way to take your distribution from your Vanguard IRAs, we offer automatic distribution options as
part of our complimentary RMD Service. You can keep your assets invested in Vanguard funds by setting up an
automatic exchange into a nonretirement account with Vanguard. You can also set up automatic withdrawals
linked to a bank account.
If you don't have a nonretirement account with Vanguard and you'd like to open one, call us at the phone
number below to discuss your options.
Find out more about RMDs at vanguard.com
Remember, to learn more about RMDs and set up an automatic distribution, log on to your Vanguard account
and, from the menu, choose "My accounts," select "Account maintenance," and then, under "Services," choose
"Required minimum distributions (RMD)." Orcall Vanguard Voyager Services(R) at 800-284-7245 Monday
through Friday from 8 a.m. to 10 p.m., Eastern time.
 January 23, 2017 Page 2 of 4

Sincerely,

Karin A. Risi
Managing Director
Retail Investor Group

(c) 2017 The Vanguard Group, Inc. All rights reserved.

 January 23, 2017 Page 3 of 4

Required Minimum Distribution

Confirmation Summary
Vanguard Voyager Services
Timothy E Day
800-284-7245 - Voyager Services
vanguard.com

CONFIRMATION SUMMARY - ALL PLANS

Timothy E Day - IRA ACCOUNT SUMMARY
IMPORTANT: SEE NOTE BELOW ABOUT TAKING YOUR REQUIRED MINIMUM DISTRIBUTION.

2017 Service level Calculation only

Distribution option None
Birth date 02/19/1939
2016 Year-end balance $110,746.92
2017 RMD $5,455.51
2017 Distributions $500.00
2017 RMD remaining $4,955.51

The calculation above shows the amount you need to distribute to satisfy your RMD. If you have not already
satisfied your RMD for the year, Vanguard offers a complimentary RMD service. Our service allows you to set up
your distribution in a way that works best for your needs. To keep your assets invested in Vanguard funds, you
may conveniently set up an automatic exchange into a non-retirement account. Automatic withdrawals to a
linked bank account are available as well. You must call Vanguard at the phone number at the top
of the confirmation or visit vanguard.com.

Once you reach age 70 1/2, the IRS requires you to withdraw a minimum amount from your 403(b) and Individual
401(k) employer-sponsored retirement plans and your traditional, rollover, SEP, and SIMPLE IRAs, but not your
Roth IRAs. The required minimum distribution (RMD) is subject to ordinary taxes on the taxable portion. In
general, failure to take your full RMD by the due date can result in a 50% federal penalty on the shortfall
amount. Employer-sponsored plans, however, may permit employees who are still working at age 70 1/2 to delay
their initial RMDs until April 1 of the year following their retirement from the employer sponsoring the plan
(unless the employee owns 5% or more of the company). For each subsequent year, RMDs must be taken by December
31. For more information, see IRS Publication 560.

Per IRS requirements, we are required to notify them that you are subject to a required minimum distribution.
 January 23, 2017 Page 4 of 4

2017 Required Minimum Distribution

Confirmation Detail
Vanguard Voyager Services
Timothy E Day
800-284-7245 - Voyager Services
vanguard.com

CONFIRMATION DETAIL - IRAs

ROLLOVER IRA BROKERAGE - 82021809 *
Timothy E Day
Holdings Value on 12/31/2016
Settlement fund $73.49
Mutual funds $110,673.43

Balance at the end of 2016 $110,746.92

Life expectancy method Uniform
Life expectancy factor 20.3
2017 RMD $5,455.51

For additional RMD information, log onto your account at vanguard.com.

* Brokerage assets are held by Vanguard Brokerage Services, a division of Vanguard Marketing Corporation, member
FINRA and SIPC.

(c) 2017 The Vanguard Group, Inc. All rights reserved.