Where a contributor, who is unmarried or is a widower without children under the age of sixteen years or student children, dies before retirement or resignation, the contributions made by him, less the amount if any, of a refund paid or payable to him by virtue of the provisions of the Superannuation (Papua and New Guinea) Ordinance 1959 , shall be paid to his personal representatives, or, if there are no such representatives, to such persons (if any) as the Board determines.