Q: When and how will I have access to the funds in my Retirement Savings Account?

A: At your retirement or upon attaining the age of 50, whichever comes later, you may utilize the balance standing to the credit of your Retirement Savings Account (RSA) for (1) programmed or monthly withdrawals calculated on the basis of an expected life span or (2) you may purchase an annuity for life from a life insurance company with monthly or quarterly payments or (3) you may withdraw a lump sum provided that the amount left will be enough to procure an annuity or fund programmed withdrawals that will produce an amount not less than 50% of your annual remuneration as at the date of retirement.