1. Your Pension – Your Future Your Responsibility Starter Pack Entry to the schemes Coverage Useful information Reward Extra resources

2. Starter Pack Have you received your pack? Who can join the pension arrangements? Automatic enrolment Choice of schemes PensionChoices form - Death Benefit Nomination Partner Declaration form Timing

3. Entry into the Scheme (time to make your choice) nuvos Employer/employee contributions State pension basic pension possible top-up payments

4. Entry into the Scheme (time to make your choice) partnership pension account Free pension! Employer contributions State pension basic pension, plus State Second Pension (S2P)

5. Coverage – more than just a pension Both nuvos and partnership provide: Cash lump sum possible when you take your pension Death in service lump sum Ill health benefits Dependants’ benefits provided with nuvos, optional in partnership Opting out – you give up all of this including the employer’s contribution – part of your pay package!

6. Useful Information Qualifying service Transfers in – time limits Linking Part time service Annual benefit statements Pension boosting

7. Reward – How your nuvos pension builds up Year 1Year 2Year 3 pension based on this year’s earnings CPI increase on balance at 31 March Balance at 31 March each year

8. Extra resources (for more information) CSP Website www.civilservice.gov.uk/pensionswww.civilservice.gov.uk/pensions Pensions Administrator (MyCSP Pension Service Centre) HR Intranet DWP Website - via www.direct.gov.uk The Pensions Service website – www.thepensionservice.gov.uk www.thepensionservice.gov.uk Still unsure – contact an Independent Financial Adviser (IFA) – see FSA website www.fsa.gov.uk www.fsa.gov.uk