A/C 3 is enable ppl to withdraw easier than a/c 1 & 2. Different criterias as a/c 1 for pension, a/c 2 for housing, medical, school, investment, etc etc

Currently they proposed A/c 3 is for
- for emergency withdraw
- certain percentages only can be withdrawn
- only for new members (born after 2010)
- proposed 3% - 5% dividends
- this are proposal only, finalise to be announced again soon

Some may worked already after SPM.
Say... for my situaton, when i was studying at college after SPM, i do some part time jobs at the age of 18. Some jobs do contributes EPF even part time.