If you leave the Scheme, you generally have three options:

1. 1. You can take a refund of that part of your Members Account which comprises your own contributions if you have completed less than two years’ membership. A tax charge of 10% is currently payable on any refund paid to you. The value of your Members Account which has accrued from your Employer contributions will be forfeit.
   2. You can leave your Members Account in the Scheme, which will continue to be invested until Normal Retirement Age.
   3. You can transfer the value of your Members Account to an alternative pension scheme.