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When you cancel your contract, the current market rate will be used to decide the value of the contract at the time. If the current market rate means the contract is worth less, then there might be a fee. If the current market rate means the contract is worth more, then you might be due a refund.

Also, 'Forwards' is a separate product, not part of your plan's exchange allowance, so the forward contract value will not be deducted from your exchange allowance.