When I joined we had the choice to join the company fund or CPF, I chose the company fund. The company fund was closed and our contributions withheld but still growing (a bit!) until we left. When the fund closed to further contributions we were directed to the CPF. I drew mine in 2001 and still have the umbrella that was presented with the final cheque, after all outstanding income tax had been deducted! Clearly we were on different Ts and Cs where provident fund was concerned.