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This is an individual pension scheme which allows individuals to save toward their pensions. It is flexible, and allows individuals the freedom to decide the amount and frequency of contribution. One unique feature of this product is the “lockdown” which allows members to decide at inception the specific date to access their first benefit. It is a defined contribution scheme, therefore the benefit one receives depends on the amount of contributions made and the investment returns. There are different modes of making contributions and accessing benefits including mobile technology, direct debits, bank transfers and payroll.