Vlad401k

Just a quick question... I remember reading something about this, but don't remember the source. Can you take a loan out from the rollover source (rollover contribution is made prior to becoming a participant) before meeting the eligibility reqirements? So let's say the company requires you to be employed for 1 year before becoming eligible, can you do a rollover contribution and take a loan from that source, before completing the 1 year of service?

In one of our plans, we have a distribution pending for a U.S. citizen who's currently living abroad, but is planning to return to U.S. at some point in time. She requested a direct distribution. Should the federal withholding be 20% or 30%. I know's it's 30% for non-resident aliens, but since she's technically a U.S. citizen, should it be just 20%?