There are 6 tables associated with this guidance note, listed in the table below, which shows:

• Table ID - the name assigned to the table of factors in the Consolidated Factor Workbook.
• Alternative table ref. - this shows the name assigned to the tables of factors in our guidance notes prior to the introduction of the Consolidated Factor Workbook and may still be referred to in the explanations of the formulae within this guidance.
• Factor Type, Section, Description, Gender - give information about the tables of factors so that you can verify that the appropriate table is being used for the circumstances of the case

The required factors can be found by locating the correct table from the Consolidated Factor Workbook, which can be found by selecting the Consolidated Factor Workbook tab in the navigation bar above or use the Download current Consolidated Factor Workbook button on the right of the scheme homepage.

Table ID	Alternative table ref.	Factor type	Section	Description	Gender
603	A_15_65	Scheme pays AA	2015	Factors for calculating annual allowance debit	Unisex
604	A_15_66	Scheme pays AA	2015	Factors for calculating annual allowance debit	Unisex
605	A_15_67	Scheme pays AA	2015	Factors for calculating annual allowance debit	Unisex
606	A_15_68	Scheme pays AA	2015	Factors for calculating annual allowance debit	Unisex
625	B_15	Scheme Pays AA	2015	Early retirement factor - annual allowance pension debit on retirement before SPA - normal health	Unisex
626	C_15	Scheme Pays AA	2015	Early retirement factor - annual allowance pension debit on retirement before SPA - ill health	Unisex