Plan funds can be accessed before you retire and can be transferred to another TFSA or RRSP/RRIF or paid out in cash.
If you are a PSW Savings Bonus Program member: bonus funds are subject to a 2-year waiting period from the date of your acceptance into the program and cannot be withdrawn during this time. Your personal contributions (money you deposited from your own bank account) can be accessed at any time. Once the 2-year waiting period has passed, your bonus funds become fully accessible.