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32
POST OFFICE REGULATIONS.
POST OFFICE SAVINGS BANKS.
22. Hours of Business. — Every Money-Order
Office 38 also a Savings Bank OfiSce, and is open
for bank business during the same hours as for
Money Orders.
23. Amount of DeposiU. — Deposits of one shilling,
or of any number of shillings, or of pounds and
shillinsjs, may be made by any person at the Post
Office Savings Bank, provided that such depositor
shall not make deposits amounting to more than
£30 in any year ending the 31st December, or
make any further deposit -when the amount standing
to his ei-edit, exceeds £150, exclusive of interest.
24. Interest. — Interest, at the rate of £2 lOs. per
cent, per annum, •which is at the rate of 6d. in the
pound for each year, or at the rate of one halfpenny
on each complete pound for each month, reckoned
from the first day of the calendar month next follow-
ing the day on vfhich a complete pound has been
deposited, up to the first day of the calendar month
in which the money is withdravyn, is allowed until
the sum due to a depositor amounts to £200, when
interest ceases to be allowed. The interest due to
each depositor is added to the principal due to him
on the 31st December in each year.
25. Deposits may be made by married women,
and deposits so made, or made by women who shall
afterwards marry, will be repaid to any such woman,
\^nless her husband shall give notice in writing of
mch marriage, and furoish proof thereof to the
Postmaster-General, and shall require payment to be
made to him, provided always that such deposits
shall not come under the provisions of the "Married
Women's Property Act, 1870," which became law
on the 9th August, 1870. By Section 16 the Act
does not extend to Scotland.
26. 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-Genera', 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 managers
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 received 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 acknow-
ledgment for the amount thereof will be sent to the
Depositor.
27. Withdrawal of Deposits. — Any depositor
wishing to withdraw the whole or part of the sum
deposited 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.
28. 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 ihe parish in which the depositor
resides, of a justice of the peace, or in case of sick-
ness, of the medical attendant.
29. 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 INSURANCES AND
ANNUITIES.
30. 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 receives proposals
for the insurance of lives and the purchase of
annuities ; and forms of proposal, with full instruc-
tions for filling up and delivering the same, as well
as every other necessary information, may be obtained
on application.
POST OFFICE TELEGEAPHS.
1 . The charge for telegrams throughout the United
Kingdom is Is. for the first 20 words, and 3d. for
every additional five words, i.e., for every additional
group of not more than five words* ; the names and
addresses of the sender and receiver not being counted.
2. The charges for Press telegrams are Is. for
every 100 words, or portion of 100 words, handed
in between the hours of 6 p.m. and 9 a.m., and Is.
for every 75 words, or portion of 76 words, handed in
between the hours of 9 a.m. and 6 p.m., with an
additional charge of 2d. per 100, or 2d. per 75 words,
as the case may be, for the same telegram to every
additional adds ess.
3. Distinctive telegraph stamps of the value of
Id., 3d., 4d., 6d., Is., 3s., 5s., 10s., £1, and £5, are
isused for the payment of the charges on telegrams.
Postage stamps are not accepted in payment of tele-
grams, nor are telegraph stamps accepted in payment
of postage. Telegraph stamps are not purchased
from the public at Post Offices, nor can they be ex-
changed for postage stamps.
4. Receipts for the charges on telegrams can be
obtained at a cost of 2d. each.
5. The inland telegram forms are of two kinds,
namely, the "A 1 " form, embossed whh a stamp ol
the value of Is., and the '' A " form (given gratis),
with no stamp embossed thereon. The "A 1 forms"
may be purchased singly or in any number. They
may also be had bound up into books of 20 forms ;
price 20s. 2d.
6. When the terminal telegraph office, i.e., the
office situated nearest to the address, is a Head
Post Office, the aoiount paid for the transmission of
a message covers the cost of delivery within the town
postal delivery of that office. Bnt when it is not a
* A similar interpretation is to be put upon the phrase
" every additional— words," wherever such phrase ocenis

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