Under the final 403(b) regulations, a non-taxable exchange or transfer is permitted for a 403(b) contract if it:
(1) is a mere change of investment within the same plan, that is, a contract exchange;
(2) constitutes a plan-to-plan transfer, so that there is another employer plan receiving the exchange (see Q 4058); or
(3) it is a transfer to purchase permissive service credit ( Q 4060).1