At the end of your contract, you may choose between a transfer value or a deferred retirement pension, depending on your years of service:

• If you have less than five years of service: you will receive a transfer value paid either to another pension scheme or into your personal bank account.
• If you have five years but less than ten years of service: you may choose between a deferred retirement pension or a transfer value. The transfer value can be paid to another pension scheme or, if that is not possible, into your personal bank account.
• If you have ten or more years of service: you may choose between a deferred retirement pension or a transfer value paid into another pension scheme.

Depending on your age and if you have at least five years of service, you may be entitled to early retirement pension or a retirement pension.