1. Notwithstanding anything contained in the sub-regulation (4) of Regulation 3, an employee who joins the service of the bank on or after the notified date at the age of 35 years or more, may, within a period of ninety days from the date of his appointment, elect, to forego his right to pension, whereupon these Regulations shall not apply to him.
2. The option referred to in sub- regulation (1) and regulation 3, once exercised, shall be final.
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CHAPTER III THE FUND
5. Constitution of the Fund –
1. The bank shall constitute a Fund to be called the Union Bank of India (Employees) Pension Fund under an irrevocable trust within one hundred twenty days from the notified date.
2. The Fund shall have for its sole purpose the provision of the payment of pension or family pension in accordance with these Regulations to the employee or his family.
3. The Bank shall be a contributor to the Fund and shall ensure that sufficient sums are placed in it to enable the trustee to make due payments to beneficiaries under these Regulations.