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IBM Pension Services department - Tel: 023-9256 8164

Pensions Trust manager, David Newman - Tel: 023 9256 8046

Payment of Pension, IBM Helpline - Tel: 0118-9394008

Annual Report

The full Annual Report may be obtained by writing to:

Pension Service Manager

	Mr Kevin Waller
	Pensions Services Manager,
	IBM United Kingdom Pensions Trust Limited,
	PO Box 41,
	North Harbour,
	Portsmouth, PO6 3AU

Information is also available for Active members on the Intranet website.

Registrar of Occupational and Personal Pension Schemes

The Registrar's main purpose is to provide a tracing service for members (and their dependants) of previous employer's schemes, who have lost touch with earlier employers and trustees.

	Pensions Schemes Registry,
	PO Box 1NN,
	Newcastle Upon Tyne,  NE99 1NN

Occupational Pensions Advisory Service

Members and beneficiaries of occupational pension schemes who have problems concerning their scheme, which are not satisfied by the information or explanation given by the administrators or the trustee, can consult with the Occupational Pensions Advisory Services (OPAS). A local advisor can usually be contacted through a Citizen's Advice Bureau. Alternatively, OPAS can be contacted at

	11 Belgrave Road,
	London,   SW1V 1RB,
	Tel: 020 72338080

Pensions Ombudsman

In cases where a complaint or dispute cannot be resolved, normally after the intervention of OPAS, an application can be made to the Pensions Ombudsman for him to investigate and determine any complaint or dispute of fact or law involving occupational pension schemes.

	11 Belgrave Road,
	London,   SW1V 1RB,
	Tel: 020 78349144

Occupational Pensions Regulatory Authority

The Occupational Pensions Regulatory Authority (OPRA) was set up by Parliament under the Pensions Act 1995 to help make sure that occupational pension schemes are run safely and properly. OPRA investigates and can take action where there are breaches of the Pensions Act that could put at risk the security of occupational pension schemes. It has a wide range of statutory powers and sanctions including: prohibiting and disqualifying pension scheme trustees; imposing fines; appointing new trustees to pension schemes in difficulty; authorising criminal prosecutions; and referring cases to the police and other prosecuting authorities.

Confederation of Occupational Pensioners' Associations

Confederation of Occupational Pensioners' Associations (COPAS) is a democratic, non-political confederation of occupational pensioners' associations in the UK. It provides an accepted voice for occupational pensioners to government, and an organization that is a deterrent to any employer that is tempted by the substantial assets that are in its pension fund.