From previous experience I have found the provider usually contacts you before the finishing date, asking what you wish to do. They tend to give a list of their products available, or otherwise offer to put it in a holding account which pays very little interest. I suggest to shop around before hand to see what you wish to do, and let them know your preference. You do not have to stay with that provider, you can transfer to where ever you like, and as little or as much of the capital as you wish. I would suggest if you have not heard a week before the termination date that you contact them.