Article 11.

1. The rights and options (if any) available to a member whose contributions terminate before he attains normal pensionable age, including details of -

(a) the accumulated value as at a specified date, which date shall not be earlier than the date the notice of termination of contributions was received, of the contributions paid by or in respect of the member,

(b) the date or dates on which such amounts become payable and a brief explanation of how the amounts would be applied,

(c) whether there is an option to have benefits payable immediately and the relevant details of such benefits,

(d) the name and address of the trust RAC, its trustees and those responsible for the payment of the member's benefits.

2. Whether any amount of money is available in respect of the member for transfer out of the trust RAC and, if so -

(a) an estimate of its amount calculated on the basis that the member's contributions terminated or will terminate on one particular date; and

(b) the accrued rights to which it relates.

3. The procedures for claiming the member's benefits payable in the event of the termination of his contributions prior to normal pensionable age.