of the employee. This document clearly show that writ petitioner Balmani was all along residing and looked after by her daughter Snehalatha. Ext.R3(6) is an option form given by the daughter of the writ petitioner dated 28.9.1994 opting for the pension scheme. These documents are relied upon in order to establish that, daughter of the writ petitioner, who joined the service of the appellant Bank as Clerk-cum-Cashier, was very well aware of the pension scheme of 1995 and gave a declaration so far as her service was concerned; opting for the said pension scheme as early as on 28.9.1994. Therefore, the daughter of the writ petitioner was aware of the pension scheme which was introduced much prior to the introduction of the pension scheme on 29.9.1995. Therefore, she is presumed to have known even the time within which the said option had to be exercised by the family members of the Bank employees who retired and who were not alive in terms of 3.7 of the Regulations. Having kept quite in spite of such knowledge, whether they could have asked for benefit of pension scheme at Ext.R3(9); in the absence of exercising option within the period prescribed is the question