Know your choices and take controlReally understanding the choices open to you could make all the difference when it comes to enjoying the retirementyou're working so hard to achieve. Now could be the time to take a closer look and take control of your future.

Perhaps you’re considering retiring early, reducing your hours, or would just like a bit more money for when you doretire. Whatever kind of future you’re working towards, every little bit of saving could help you to get closer to it andwith tax relief on offer it could be even easier than you think.

Like to retireearly– or withmore money?You're already a member of the Teachers'Pension Scheme but on its own will itprovide you with enough to have thelifestyle in retirement that you want?

Take advantage of tax reliefIt’s so easy to take advantage of tax relief - it’s alldone for you by payroll. For every £100 monthlycontribution to a Teachers' AVC, the actual cost willonly be £80, if you pay tax at the basic rate. If you payat the higher rate, the actual cost will only be £60.The contribution comes from your salary before it'staxed, so the money you would normally pay as taxgoes straight into your Teachers' AVC instead.

Teachers' Additional VoluntaryContributions in a nutshellA Teachers' AVC is a separate pension pot to your teachers' pension, which you build up bymaking tax efficient contributions. You can use the pot to provide yourself with extra benefits -currently from age 55. It's investment based, so thevalue can go down as well as up and you could getback less than you put in. To be eligible for aTeachers’ AVC, you must be an active member of the Teachers’ Pension Scheme. How much?

If you think a Teachers’ AVC could help you to achieveyour plans, your next thoughts are likely to be: How much can I contribute? How much time do I have?How much could I expect to get back? You can find theanswers to your questions by using our calculator.Visit www.pru.co.uk/early

Flexible ways to take your moneyThere are now more ways than ever to take money from a Teachers’ AVC - thanks to Freedomand choice legislation introduced in April 2015. And because they are separate, you can access a Teachers' AVC without having to take yourteachers' pension.

Why Prudential?Prudential are the official provider of Teachers' AVCsto members of the Teachers' Pension Scheme. Since1989 they have helped over 197,000 teachers.

For more information please visitwww.pru.co.uk/early or call 0800 151 3338Our UK based team of Retirement Specialists areavailable Monday to Friday, 9am to 6pm. They'reready to help and can give you factual informationso that you can make an informed choice but theycannot give financial advice.

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16This information is based on our understanding of current taxation, legislation and HM Revenue & Customs practice.These rules could change in the future without notice. The impact of taxation and any tax relief depends on yourindividual circumstances.Teachers’ AVCs are one of the options open to you to potentially increase your retirement benefits. Your Scheme alsoprovides a number of flexibilities for increasing your teachers' pension benefits. For more information about theseflexibilities please visit their website.