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15. Without prejudice to other requirements, a scheme which offers pensions with a view to giving effect, under section 24(2)(a), to protected rights by means of those pensions, can be (in the case of a personal pension scheme) an appropriate scheme or (in the case of an occupational pension scheme) a money purchase contracted-out scheme only if it offers those pensions without having regard to the sex or, except to the extent allowed under regulation 4(2)(b), to the marital status of the persons to whom it offers them, both in making those offers and in determining the rates at which those pensions are paid.
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