1. Depending on the nature of the pension scheme established, each Member State shall ensure that every institution located in its territory provides at least the information set out in this Article.
2. Members and beneficiaries and/or, where applicable, their representatives shall receive:
(a) on request, the annual accounts and the annual reports referred to in Article 10, and, where an institution is responsible for more than one scheme, those relating to their particular pension scheme;
(b) within a reasonable time, any relevant information regarding changes to the pension-scheme rules.
3. The statement of investment policy principles, referred to in Article 12, shall be made available to members and beneficiaries and/or, where applicable, to their representatives on request.
4. Each member shall also receive, on request, detailed and substantial information on:
(a) the target level of the retirement benefits, if applicable;
(b) the level of benefits in case of cessation of em