New Delhi: In a move that could benefit New Pension System (NPS) subscribers, the Pension Fund Regulatory Development Authority (PFRDA) has decided to offer the subscribers an extra account. By using this account, subscribers can withdraw funds whenever they need it. An NPS subscriber can now have two accounts - a standard one and a flexible one. Although the rules for investing the contributions to these two accounts would be the same, subscribers having the second account will have more flexibility to access the funds. One can access funds from the standard account called tier one only for specific needs such as medical emergency or marriage. The flexible account will be introduced on December 1, 2009. The pension regulator also decided in principle to introduce a low-cost pension scheme for the poor, for which PFRDA is negotiating with the record keeper to reduce the annual charges from 350 to 60, PFRDA Chairman D Swarup said to Economic Times.