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Voice of PIA Retirees
An informal website of PIA Retired Employees Association (PIAREA)
Honorary Editor: Mohammad Khan Sial

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PIA pensioners' plea

KARACHI: [Voice Of PIA Retirees' Report]: A leading English daily "The News" has printed
letter to the editor on Sunday, August 06, 2017 by Mohammad Khan Sial which reads as
under:

Pensioners’ pleas
THE NEWS / August 06, 2017

The plight of PIA pensioners often goes unnoticed. The pension amount received by them is quite low. The amount is so low that it cannot be used to pay even a single utility bill. People don’t believe that an organisation as big as PIA will be paying a meagre amount as pension. However, this is the reality. Many retired employees of the airline are facing this issue.
Despite the long struggle of employees, the PIA management was unable to meet the
demand of the retired people. It is hoped that the management will take notice of the issue and increase the pension amount.

Mohammad Khan Sial, Karachi.

https://www.thenews.com.pk/print/221709-Pensioners-pleas


PIA Management wants to
dump all its 16,000 retirees!

Letter of Mohammad Khan Sial in leading English daily Dawn


Mohammad Khan Sial 

KARACHI: [Voice Of PIA Retirees' Report]: The leading English daily "DAWN" has printed
letter to the editor on Sunday, June 11, 2017 headlined: "PIA pensioners' plea" by
Mohammad Khan Sial which reads as under:

PIA Pensioners’ plea
DAWN / June 11, 2017

PIA pensioners were shocked to note that the PIA management is planning to get rid of all
PIA pensioners (about 16,000) if it is privatised.

The parliament at its joint session had declared that no beneficiary of PIA would be deprived
of his facilities if PIA is privatised.

The PIA board of directors has recently decided to dump all its 16,000 retirees by paying
them an undeclared package, thereby increasing their financial problems.

The PIA management should reconsider its decision.

Mohammad Khan Sial,
Public Relations Secretary, PIA Retired Employees Association
Karachi / Published in Dawn, June 11th, 2017
https://www.dawn.com/news/1338783


PIA pensioners facing "Ocean of difficulties": Column by
G. N. Mughal in leading Urdu daily Jang (July 21, 2017)

پی آئی اے پیںشںرز کیلئے مشکلات کا سمںدر
جںگ ۲۱ جولائی ۲۰۱۷ میں جی این مغل کا کالم


Nawaz Sharif's personal friend MBBS doctor Musharraf Rasool who was appointed as CEO PIA, could not join
KARACHI: [Voice Of PIA Retirees' Report] Former Prime Minister M. Nawaz Sharif during his last days in power had appointed his personal friend who was also MBBS doctor namely Musharraf Rasul as chief Executive Officer (CEO) of PIA, but he could not join the Airlines as Nawaz Sharif was soon ousted as a result of a decision of the Supreme Court of Pakistan.

According to leading Urdu daily Jang, Musharraf Rasool was possessing American nationality whereas he did not have any experience of Civil Aviation business (Ref. Jang July 22, 2017).

Refund of PIA tickets - Please be careful
KARACHI: [Voice Of PIA Retirees' Report] All retired employees are hereby informed that
as per PIA Refund Cell, the required period to be allowed for refund of tickets is only 14 months from the date of the issue of the tickets. After the expiry of the period, refund of
PIA tickets will not be allowed.

Complaints against PIA Pension Cell, PIA HO, Karachi
KARACHI: [Voice Of PIA Retirees' Report] Some complaints have received from PIA
retired employees against PIA Pension Cell, PIA Head office, Karachi Airport
(Phone No. 021- 99044228) for not attending their calls generally. However, in rare cases they the attend the calls, they are hesitant to provide required information to the PIA
retired employees like delays in delivery of pensions etc. On the contrary, they are trying
to discontinue the Calls without giving required information, as soon as possible. However, their attitude has remained not good towards the said callers.

For PIA Retirees who completed 10-year period or more
KARACHI: [Voice Of PIA Retirees' Report] All those who completed 10 years or more of
their retirement from PIA services, irrespective of their age limits, are hereby requested
by PIAREA to submitted their "Prescribed Forms" signed on by concerned retirees & also endorsement by any PIA Officers or Grade 17 Govt. officers & submit to the Pension Department, PIA Headoffice, Karachi Airport after EVERY 03 MONTHS declaring that "They
are alive." Please also submit photo-copies of PIA Retired Cards & CNICs along with required Forms. For further information, please contact to PIA Pension Cell: (+9221) 99044228 OR PIAREA Office: (+9221) 99045646

پروازوں کے متعلق معلومات بڑھائیں

طیارے کا عملہ اپنے ہاتھ پیچھے کیوں رکھتا ہے؟

طیارے کی کھڑکیوں میں ننھا سوراخ کیوں ہوتا ہے؟

طیارے کی فوڈ ٹرے کے نیچے ہُک کیوں ہوتا ہے؟

ااکثر طیاروں میں نیلے رںگ کی نشستیں کیوں ہوتی ہیں؟

مزید معلومات کے لئے، یھاں کلک کریں
 

CEO, PIA violates his promise
twice to enhance
pension
KARACHI: [Voice Of PIA Retirees' Report] The chief Executive of PIA (now ex-CEO who was German national) who had promised to enhance PIA Pensions after getting approval from the PIA Board of Directors in the month of December, 2016, had violated his promise twice.

The two meetings of the Board of Directors (BoD) were
held in December, 2016 and January 2017 but strangely
the matter of enhancing PIA pensions was not included
in the Agenda of the both meetings (BoD) despite PIA's C.E.O's categorical promise.


Senate Committee on PIA, assures PIAREA delegation to resolve genuine grievances of PIA retired employees
KARACHI: [Voice Of PIA Retirees' Report] A delegation of PIA Retired Employees Association (PIAREA) (Registered) headed by its chairman Mr Tahir Chiefy met the members of the
Senate Committee on PIA at PIA Head Office here recently and explained them numerous problems which PIA's retired employees are facing since long. They also drew their attentions to the unsuitable attitude of the PIA Management who seems unwilling to fulfill their promises.

The Senators agreed to genuine the problems of PIA retirees and assured them to strongly recommend their case to the PIA management to resolve their grievances at the earliest.
 

Grievances of PIA Retired employees through media
KARACHI: [Voice Of PIA Retirees' Report] Three leading English dailies Dawn , The Daily Times
& Pakistan Observer printed letters to the editors by Mohammad Khan Sial. First two letters were printed on on January 06, 2017 while third one on January 08, 2017 regarding PIA pensions, as under:-


PIA pensioners
Dawn/ Friday, January 06, 2017

MAJOR issues affecting PIA retirees have yet to be given priority and resolved, in particular, the need to substantially increase pensions.

Such an increase would not affect PIA’s revenues, as the funds would come from the Pension Trust Fund.

A delegation from the PIA Retired Employees Association met PIA’s CEO recently to discuss these issues.

The CEO assured the delegation that these issues, particularly increasing pensions, would be addressed at the coming meeting of the PIA’s board of directors.

However, it was strange to note that this issue was not brought up at the meeting.

PIA’s circular No. 21/2003 states that PIA pensions are to be increased accordingly
whenever employees’ salaries increase.

However, the management has failed to implement this. In the last 12 years, PIA’s first and
last pension increase was made effective as of April 1, 2013.

The increase was utterly insufficient to live on, considering the already meagre amount pensioners receive.

PIA retirees should at once be given their legal rights, including adequate increase in their pensions, to face high inflation.


Mohammad Khan Sial
Public Relations Secretary, PIA Retired Employees Association Karachi

Published in Dawn, January 6, 2017
http://www.dawn.com/news/1306636/pia-pensioners

PIA pensioners' problems
The Daily Times / Friday, January 06, 2017

Sir: The major issues of the retired employees of the PIA that are yet to be resolved on a priority basis include substantial increase in pensions, payment of group insurance amount
and restoration of the 50 percent amount of commuted portion of pensions to those who
have completed 10 years of their retirement. Needless to mention, if PIA increases pensions substantially, it would not affect its revenues as that increase will come from the readily available Pension Trust Fund.

Meanwhile, a delegation of PIA Retired Employees Association (PIAREA) (Registered) met
the Chief Executive Officer (CEO) of PIA and discussed with him the genuine problems of
retired PIA employees.

The CEO assured the delegation members to resolve their problems soon after getting
approval in the PIA Board of Directors meeting. However, it was strange to note the Board’s meeting held recently but the said case was not presented in the meeting despite CEO’s categorical promise.

During the last 12 years, PIA’s first and last increase in pensions was made effective
from April 1, 2013. That was an insufficient increase considering the meagre amount of the
pensions, which are not enough to even pay a normal single utility bill of a family. PIA’s
Circular No. 21/2003 dated July 31, 2003 says whenever salaries of PIA employees are increased, the PIA pension would also be increased accordingly but sorry to say PIA management did not implement its own Circular so far.

Further, the discrimination that retirees have faced and the way their lawful rights have
been denied to them by the airline’s management must change. PIA retirees should be given their legal rights on a priority basis, including sufficient increase in their meagre pensions to face high inflation, without further waste of time.

MOHAMMAD KHAN SIAL, Karachi
http://dailytimes.com.pk/letters/06-Jan-17/pia-pensioners-problems
NOTE: The Pakistan Observer had also printed letter of Mr Sial on January 08, 2017 on the
subject.


Take mercy on PIA's old men, letter in Pak Observer
KARACHI: [Voice Of PIA Retirees' Report] A leading English daily Pakistan Observer has
printed letter to the editor on December 11, 2015 which reads as under:-

Mohammad Khan Sial
Friday, December 11, 2015 - The old men of PIA (Retired employees) who due to their hectic
and untiring efforts made PIA one of the best airlines of the world in the past, are presently facing financial difficulties after their retirement due to meagre amount of their monthly
pension that is insufficient to pay even monthly utility bills of their houses.

The various delegations of PIA Retired Employees Association (PIAREA) (Registered) met various Chairmen / Managing Directors of PIA from time to time requesting them to  enhance pension and that it would not be a burden on PIA because pension would be made from PIA Pension Trust Fund. Sorry to say no Chairman / Managing Director has fulfilled his promise to resolve problems of PIA’s retired employees.

The main issues of the PIA Retired employees include substantial increase in pensions,
payment of group insurance amount on maturity and restoration of the 50 per cent
commuted amount of pensions to those who have completed 10 years of their retirements
and to ensure minimum pension already fixed by the government.

On behalf of PIA Retired employees, I once again appeal to Chairman / Managing Director,
PIA to enhance pension of retired employees substantially and take personal interest to resolve their other genuine problems also.— Karachi


Take Mercy on Pensioners [PIA]
KARACHI: December 06, 2015 [Voice Of PIA Retirees' Report] A leading English daily
Daily Times has printed a letter to the editor by Mohammad Khan Sial, Karachi dated
December 06, 2015 headlined: Take mercy on pensioners". The letters reads as under:-

Sir: The retired employees of the Pakistan International Airlines (PIA), who due to their
hectic and untiring efforts made PIA one of the best airlines of the world in the past, are presently facing financial difficulties after their retirement due to meagre amount of their monthly pension that is insufficient to pay even monthly utility bills of their house.

A number of delegations of the PIA Retired Employees Association (PIAREA) (Registered)
met various chairmen/managing directors of PIA from time to time requesting them to
enhance sufficient amount in their pension as it would be not a burden on PIA because
pension would be made from the PIA Pension Trust Fund. Sorry to say that no chairman/ managing director has fulfilled his promise to resolve the problems of PIA retired employees.

The main issues of retired employees include; a substantial increase in pensions, payment
of group insurance amount on maturity and restoration of the 50 percent commuted
amount of pensions to those who have completed 10 years of their retirements in
addition to ensuring minimum pension already fixed by the government.

On behalf of PIA retired employees, I once again appeal to the incumbent chairman/managing director of PIA to enhance pension of retired employees and take personal interest to resolve their other genuine problems. MOHAMMAD KHAN SIAL, Karachi

 


PIA Pensioners' appeal: Letter in Dawn
KARACHI: [Voice of PIA Retirees Report] A leading English daily Dawn has printed
Letter to the editor headlined: PIA Pensioners' appeal dated December 04, 2015 by
Mohammad Khan Sial. The letter read as under:


PIA pensioners’ appeal
DAWN, Dec 04, 2015


PIA’s retired employees who had through their untiring efforts made PIA one of the best airlines of the world in the past are now facing financial difficulties after their retirement because of the meagre amount of their monthly pension, which is insufficient to pay even a monthly utility bill of their house.

The various delegations of PIA Retired Employees Association (PIAREA) met various chairmen/managing directors of PIA from time to time, requesting them to raise adequately
the PIA pension amount which would be not burden on PIA because pension would be made from the PIA Pension Trust Fund, separately.

It is unfortunate that no chairman/managing director has fulfilled his promise to resolve the problem of retired PIA employees.

The main issues of PIA’s retired employees include a substantial increase in pensions,
payment of group insurance amount on maturity and restoration of the 50pc commuted
amount of pensions to those who have completed 10 years of their retirement in addition
to ensuring the minimum pension already fixed by the government.

On behalf of PIA retired employees, I once again appeal to the PIA chairman/managing
director to increase the pension of retired employees sufficiently and take personal interest
to resolve their other genuine problems also.

Mohammad Khan Sial, Karachi
Published in Dawn, December 4th, 2015
http://www.dawn.com/news/1224091/pia-pensioners-appeal

Despite PIA's Chairman's promise, Retired employees'
problems after passing 08 months, are still unresolved

KARACHI: [Voice of PIA Retirees Report] A delegation of PIA Retired Employees Association (PIAREA) (Registered) comprising of Tahir Hasan Chiefy (President), Lateef Siddiqui (Senior Voice President), Yunus Kaka-Khail (General Secretary), Chaudhry Mohammad Azam
(Organizing Secretary) & Aslam Aasi (Founder & Chief Organizor) headed by Zulfikar Ali, Chairman, PIAREA called on Chairman, PIAC Nasir S Jaffer at PIA Headoffice, Karachi.
Director HR Rasheed Ahmed was also present on the occasion.

The members of the delegation congratulated the Chairman, PIA on his new assignment and
offered him of their full support for the benefit of the national carrier. The delegation apprised
Chairman of numerous problems / difficulties, the PIA Retired Employees are facing since long.
They suggested to rationalize the pension of Retired Employees. They also stated 
governmental organizations are paying at least Rs 6000/- pension per month whereas in PIA, any Retired Officer generally draws only Rs 4000 - 5000  pension per month.

They also pointed out if pension of Retired Employees is increased considerably, it would not financially affect PIA as it would be paid from PIA Pension Trust Fund that works separately.

The members of the delegation also demanded resolving genuine issues of Commuted Pension, accelerating work on PIA Foundation, returning of income tax amount already deducted from
those who had voluntarily adopted Golden Handshake offered to them. refunding of Group Insurance, extending medical facilities to children & parents of retirees, allowing to issue PIA tickets in emergency, withdrawing
recently imposed Federal Excise Duty / Tax besides already applicable Airport Tax on Retirees' tickets, constructing Medical Centre etc.,

The Chairman listened the problems of the retirees patiently and assured the delegation members to take steps whatsoever possible for their benefits. He also directed Director HR, Rashid Ahmed to prepare valid & solid proposals for the benefits of Retired Employees by
giving priority to the pension issue.

The Voice Of PIA Retirees (VoPR) have noted that a period of more than 8 months have
so far passed but the Retired Employees of PIA are still waiting to get resolved their genuine
problems by PIA Management, as promised by the Chairman 8 months ago. They have once again, appealed to Chairman, PIAC to personally intervene into the matter and ensure that PIA's Retired Employees' problems / grievances are resolved on priority basis.

Problems of PIA Pensioners, Letter of Mohammad Khan Sial
printed in Daily Jehan Pakistan dated November 02, 2015

                       

              Looking after your pensioners [PIA]
KARACHI: A leading English daily "The Daily Times" has printed letter to the editor by Mohammad Khan Sial headlined: Looking after your pensioners"
dated August 26, 2015.

The Letter reads
as under:-

Sir: On behalf of PIA’s retired employees, I would like to draw the attention of the federal government as well as PIA’s board of directors towards the outstanding issues faced by
PIA’s retired employees. Despite repeated efforts, no one seems ready to help them. If PIA’s management increases the prevailing meagre amount of pensions substantially, it would not affect PIA’s revenues as it would be increased from the readily available pension trust fund. Therefore, there seems to be no justification for using delaying tactics in the increase of pensions. Nonetheless, the policy of denying retired employees their legal rights on the part
of the PIA management should now be abandoned. It may be pointed out that the increase
in pensions of PIA retirees/widows was granted only once during the past 10 years, which
was still insufficient in view of the meagre amount of the original pensions, which is not enough to even pay a single utility bill for a family.

 

The main issues of PIA’s retired employees include increase in pensions, payment of group insurance amount on maturity and restoration of the 50 percent commuted amount of pensions to those who have completed 10 years of their retirement in addition to ensuring
the payment of minimum pension already fixed by the government.

 

MOHAMMAD KHAN SIAL, Via Email
http://www.dailytimes.com.pk/letters/26-Aug-2015/looking-after-your-pensioners

PIAREA is continuously fighting for the restoration
of rights of PIA Retired Employees since long

PIA Retirees'
Directory;
Meet your old
colleagues /
friends here

Yes, you can meet your old colleagues / friends here. I am in process
of compiling a comprehensive list of PIA Retired employees who are
now in thousands and living in various parts of the world so that Retirees can contact each other and remember old and golden days spent in PIA.

Can you add to the list? This is part of my small efforts to prepare a
comprehensive list. This is only beginning, however, I would be
thankful to you for additions, omissions, amendments & corrections.
Suggestions are also welcome. Mohammad Khan Sial, E-mail: 
piarea786@gmail.com Please click here >>>>>>

 

We Welcome Comments / Suggestions To Improve This Website

My
interesting experience
in PIA!


Most of our colleagues have spent years in PIA - the best time of
their lives. By remembering the sweet memories of the past, I hereby request them to share their interesting experiences with their colleagues.

Please write to us, we have created a separate page for this purpose. Retired as well as Serving employees may participate.

To start with, I am writing my own interesting experience in PIA,
please read this and give me your comments for improvement.
Thanks - Mohammad Khan Sial. 
Please click here>>>>>>>>

 

Phone No of
PIA Pension Cell &
PIAREA office
 


Phone No. PIA Pension Cell at Head Office, Karachi is: 0092-21-99044228 (Direct) OR PIA Telephone Exchange No. 0091-21-990440000 Ext. 44228.

PIAREA (PIA Retired Employees Association) (Registered), PIA Head Office Near Store & Purchase Dept. Bldg. Karachi Airport.

Phone Nos. of PIARA: 0092-21-99045646 (Direct) OR
PIA Telephone Exchange No. 0091-21-990440000 Ext. 45646
 

To all

PIA Retire
d

Employees
 


All PIA Retirees living in Pakistan and abroad are hereby requested
to send us their latest email addresses along with phone numbers so that they are informed whenever this website is updated.

Also please send us reports / photographs of your activities for inclusion in this website regularly. We welcome suggestions to improve our website. If like, you may use on-line Performa given on "Contact" Page.

Please pass on address of this website to your PIA colleagues - Retirees as well as Serving employees for visiting us regularly. 
http://www.piarea.webs.com /
E-mail: piara786@gmail.com 
 

PIA management must resolve long outstanding
problems of PIA Retired employees 

KARACHI: March 24, 2014: leading English dailies of Pakistan have recently printed letters to the editors written by Mohammad Khan Sial highlighting various problems of PIA retirees. The letters read as under:

 The retired of PIA
The News / Monday, March 24, 2014 

The outstanding issues of PIA's retired employees include pensions, payment of group
insurance amounts and restoration of the 50 percent commuted amount of pension to those who have completed 10 years of their retirement. Needless to mention here that if PIA increased pensions substantially, it would not affect PIA revenues as it would be increased
from the readily available Pension Trust Fund.


The policy of denying the retired employees of PIA their legal rights on the part of the PIA
management should now be changed.
 


Mohammad Khan Sial, 
Karachi 
http://www.thenews.com.pk/Todays-News-11-239879-The-retired-of-PIA

 Problems facing PIA retirees
The Express Tribune / Saturday, March 22, 2014


KARACHI: The outstanding issues of PIA’s retired employees, with special emphasis on a substantial increase in pensions, payment of group insurance amount on maturity and restoration of the 50 per cent commuted amount of pensions to those who have completed 
10 years of their retirement, are major issues of the retired employees of the national
carrier that are yet to be resolved on a priority basis. Needless to mention, if PIA increases pensions substantially, it would not affect its revenues as that increase will come from the readily available Pension Trust Fund.

PIA’s last increase in pensions was effective from April 1, 2013. That was an insufficient increase considering the meagre amounts of the pensions, which are not enough to even
pay a single utility bill of a family. 

Earlier, increase in pensions of PIA retirees/widows was granted only once during the past 
10 years. Further, the discrimination that retirees have faced and the way their lawful rights 
have been denied to them by the airline’s management must change. PIA retirees should be given their legal rights on a priority basis, including a handsome increase in their pensions without further waste of time.

Mohammad Khan Sial
Published in The Express Tribune, March 22nd, 2014.

http://tribune.com.pk/story/685643/problems-facing-pia-retirees/


 
Issues of PIA retirees  
The Pakistan Observer / Sunday, March 23, 2014.

Mohammad Khan Sial 
Sunday, March 23, 2014 - The outstanding issues of PIA’s retired employees with special emphasis on substantial increase on pension, payment of 
Group Insurance
 amount on the maturity and restoration of the 50 per cent commuted amount of pension to those who have completed 10 years of their retirement, are major issues of retired employees of PIA and need to be resolved on priority basis.

Needless to mention here if PIA increases pension substantially, it would not affect PIA revenues as it would be disbursed from readily available Pension
 
Trust Fund.
 
Nevertheless, PIA had increased pension last time effective from April 01, 2013; it was an insufficient increase in prevailing meagre amount of pension that is not sufficient even to
pay single
 
utility bill
 of a home. Earlier, increase in the pension of PIA retirees / widows was
granted only once during past 10 years.

 
Further, the attitude of discrimination and of denying the lawful rights of the retired 
employees of PIA on part of PIA management should be changed by now and PIA
 
Retirees should be given their legal rights on priority basis including handsome increase in PIA pension
 without further wastage of time. —Karachi http://pakobserver.net/detailnews.asp?id=237114

 

Injustices to PIA retirees continue
 
KARACHI: [Voice Of PIA Retirees' Report] Dawn has printed letter to the editor headlined
as
"PIA retirees' plea" dated February 04, 2017 that reads as under:

"I WOULD like to draw the government’s attention towards the injustice to PIA’s retirees.
The national airline gives its employees 32pc of their salary as pension, but the formula was calculated on their basic pays. This is unjust. All other governmental organisations give their retired employees 50pc of their salaries as pensions.

This was also in practice at Pakistan International Airlines till the end of 2003. Now, the management should review the issue.

The retirees have been demanding for a long time that the airline should either give them
50pc pension on the basic pay or relate the 32pc pension to their total salaries.

There was only a one-time increase in pensions and that was in 2013. Also, the management should increase the retirees’ pension according to its circular No 21 issued on July 21, 2003.

The circular clearly mentioned as follows: “In future revision or suitable increase in pension
shall be linked with salary revision of serving employees.”

Last July the airline increased the salaries of its employees twice, but no increase in pensions was made. The management should increase the pensions with the same ratio." BA, Karachi.

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PIA Pension Card Form

* Option of getting Pension through Corporate Cheque is also available.
* Below is the Request Form for opting disbursement of Pension through any one of available options i.e. PIA Pension Card or Corporate Cheque).
* All concerned are requested to please download print, fill up this form and send it to PIA Manager Pension urgently along with required info / documents for prompt disbursement of your pension OR PIAREA, PIA Head Office, Karachi Airport.
 

PAKISTAN INTERNATIONAL AIRLINES

MANAGER – PIA PENSION                                                                                       DATE_________________
PIA – HEAD OFFICE, KARACHI.

REQUEST FOR DISBURSEMENT OF PENSION THROUGH PIA PENSION CARD / CORPORATE CHEQUE
I, ______________________________________, P. NO.___________,
(Self/Widow/Widower/beneficiary) hereby opt following way for disbursement of
my monthly pension.
PIA Pension Card OR Corporate Cheque to my account
My particulars are as under:-
1. P. NO. _________________________________________________
2. Full Name _________________________________________________
3. Date of Birth _________________________________________________
4. CNIC No _________________________________________________
5. CNIC Expiry date ______________________________________________
6. Full Residential Address ________________________________________
7. Mobile/ Phone No _____________________________________________
8. Email Address _________________________________________________
9. Bank Name ___________________________________________________
10. Bank Branch Name _____________________________________________
11. Full Conventional Bank Account No _______________________________
Copies of my valid CNIC /  PIA retirement card are attached herewith.

_________________________
Signature
(Pensioner/Widow/Widower/Other beneficiary)
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