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26
POST OFFICE REGULATIONS.
and provided such total amount, exclusive of interest,
is never more than £160. When any depositor's
principal and interest amount together to £200, all
interest will cease so long as the balance of the
acciunt continues to amount to the said sum of
£200.
15. Merest. — Interest calculated yearly at the
rate of £2 lOs. per cent, per annum -will be allowed
on every complete pound deposited, reckoned from
the first day of the calendar month next following
the day on which a complete pound shall have been
deposited or completed, up to the first da}' of the
calendar month in which the moneys are withdrawn.
The interest thus calculated will be at the rate of
one halfpenny per calendar month for every complete
pound. The interest will be reckoned to the 31st
December in every year, and will then be added to
the principal.
16. Transfers of Deposits. — A depositor in the
Post Office Savings Bank may transfer his deposits
to any other Savings Bank legally established ; and
on his written application, accompanied by his book,
to the chief office of the Postmaster General, in a
form to be obtained at any Post Office Savings
Bank, he will be furnished with a certificate of the
whole amount due to him, and his account with the
Post Office Savings Bank will thereupon be closed.
A depositor in any legally established Savings Bank
may transfer his account to the Post Office Savings
Bank, and may require from the trustees or mana-
gers of such bank a certificate, stating the amount
due to him, and thereupon his account with such
bank will be closed. The certificate may be delivered
at any Post Office Savings Bank, and will be re-
ceived as a deposit of the amount therein set forth,
and on the certificate being forwarded to London,
and verified by the National Debt Commissioners,
an account for the amount thereof will be opened
with the depositor, and an acknowledgment for the
amount will be sent to him.
17. Withdrawals of Deposits. — Any depositor
wishing to withdraw the whole or part of the sum de-
posited by him, must make application for the same
to the General Post Office in London, in a form which
may be obtained at any Post Office Savings Bank.
18. Repayments. — Repayments will be made only
to the depositor in person, or to the bearer of an order
under his hand, signed in the presence of either the
minister of the parish in which the depositor resides,
of a justice of the peace, or in case of sickness, of the
medical attendant.
19. Secrecy. — The Officers of the Postmaster-
General engaged in the receipt or payment of deposits
will not disclose the name of any depositor, nor the
amount deposited or withdrawn by him, except to
the Postmaster-General, or to such of his officers as
may be appointed to assist in carrying out the pro-
visions of the Post Office Savings Bank Acts.
GOVERNMENT INSUEANCES AND
ANNUITIES.
20. The Postmaster-General is empowered under
the Act 27 and 28 Vict. cap. 43, to insure the lives
of persons of either sex between the ages of 16 and
60, for not less than £20 or more than £100. He
is also empowered under the same Act to grant im-
mediate or deferred annuities of not more than £50
on the lives of persons of either sex, and of the age
of ten years and upwards.
The persons whose lives are insured or to whom
annuities are granted by the Postmaster-General,
have direct Government security for the payment of
the money at the proper time.
The Post Office of Glasgow has been opened for
the receipt of proposals for the insurance of lives
and the purchase of annuities; and forms of proposal,
with full instructions for filling up and delivering
these forms, as well as every other necessary infor-
mation, may be obtained on application.
MAILS FOE THE OPvKNEY ISLANDS-
Mails to and from the Orkney Islands are conveyed daily (Sundays excepted) from Thurso at 9.40 a. m.
and from Stromness to Thurso at 4.45 a.m.
MAILS FOE THE SHETLAND ISLANDS.
The mails for the Shetland Islands are despatched from Aberdeen every Friday evening, arriving at
Lerwick oa Sunday morning; returning from Lerwick to Aberdeen every Monday at 6 and 10 p.m.
alternately.
LIST OF POST TOWNS AND SUB-OFFICES IN SCOTLAND.
l^° It must be understood that the hours for closing the Letter Bos are liable to alterations in the
course of the current year, and, therefore, the Tables exhibited on the walls of the Post Office ought to be
occasionally consulted.
With some exceptions, all Head Offices are Money Order Offices. All Offices at which Money Order
business is transacted are marked thus, m.
When in the subjoined list one place only is mentioned, it is a Head Office, and when there are two, the
first is a Sub-Office, and the second is the Head Office, to which the first is subordinate. It sometimes
happens that there is a Money Order Office nearer the Sub-Office than is the Head Office; in these cases
such Money Order Office is added as a third name, for the information of any persons who may wish to
remit money to the neighbourhood.
The places marked thus, t, are Postal Telegraph Offices, and the system is being extended as rapidly
as circumstances permit.

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