Hi Preferred, I do not claim to be your senior oh,I just want to help you with your questions since I have received my PER.
1)When I applied,I submitted bank statements from my bank and that of my husband. In addition, I submitted a fixed deposit certificate with the required amount from my husband's bank. I actually thought of submitting my pension statements but gave up the thought when I realized that pension is kind of encumbered because it's money that one has but can't touch until after a certain period.
2)We submitted 6-month bank statements
3)Any notary public can do your notarization(Quite a number of them along the Yaba axis)
4)There's nothing wrong if you send PCC along with your application. Alagbon requires a photocopy of the biodata page of your international passport and passport photo. PCC is something that you can get in one day. It's not a big deal.
But I must tell you that the PCC has a validity of 3 months and it is possible for the visa office to request an updated PCC after time elapses. Friends of mine who applied in 2011 and got MRs this year were told by AVO to get PCCs even though they sent during the time of application
5)The reference letter may be addressed to '''Whom it may concern''' followed by address or '''Immigration officer''' followed by address. My boss used ''To whom it may concern''
Hope this helps. Cheers.