Regulation 19 (1) An approved trustee of a registered scheme shall not pay accrued benefits from voluntary contributions except by reference to the contributions and the income or profits derived from their investment. (2) The governing rules of a registered scheme shall provide that (a) participating employers shall pay to the trustee of the scheme any voluntary contribution made by their employees on request by the employees who are members of the scheme; (b) where a participorting employer elects to make voluntary contributions in respect of any employees who are members of the scheme, the contributions shall vest in the employees as accrued benefits in accordance with the governing rules of the scheme; and  (c) where an employee or a self-employed person who is a member of a registered scheme elects to make voluntary contributions, the contributions shall vest in full as accrued benefits in that employee or self-employed person when the contributions are received by the approved trustee of the scheme.