{"id":"nsw:sl-1997-0120","name":"Bank Mergers (St. George Partnership Banking) Regulation 1997","slug":"bank-mergers-st-george-partnership-banking-regulation-1997","collection":"regulation","jurisdiction":"nsw","status":"in_force","isInForce":true,"actNumber":"120 of 1997","makingDate":null,"administeringDepartment":null,"currentVersion":{"id":179234,"registerId":"nsw-nsw:sl-1997-0120-current","compilationNumber":null,"startDate":"2026-04-05","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"Part 1","sectionType":"part","heading":"Preliminary","content":"# Part 1 Preliminary\n\nPart 1 Preliminary","sortOrder":0},{"sectionNumber":"1","sectionType":"section","heading":"Name of Regulation","content":"#### 1 Name of Regulation\n\n1 Name of Regulation\n\n> This Regulation is the [Bank Mergers (St. George Partnership Banking) Regulation 1997](/view/html/inforce/current/sl-1997-0120).","sortOrder":1},{"sectionNumber":"2","sectionType":"section","heading":"Commencement","content":"#### 2 Commencement\n\n2 Commencement\n\n> This Regulation commences on 1 April 1997.","sortOrder":2},{"sectionNumber":"3","sectionType":"section","heading":"Definitions","content":"#### 3 Definitions\n\n3 Definitions\n\n> > (1) In this Regulation:\n> > \n> > asset means property, or a right, of any kind, and includes:\n> > \n> > > (a) any legal or equitable estate or interest (whether present or future, vested or contingent or tangible or intangible) in real or personal property of any kind, and\n> > \n> > > (b) any chose in action, and\n> > \n> > > (c) any right, interest or claim of any kind, including rights, interests or claims in or in relation to property (whether arising under an instrument or otherwise, and whether liquidated or unliquidated, certain or contingent, accrued or accruing), and\n> > \n> > > (d) any asset within the meaning of Part IIIA of the [Income Tax Assessment Act 1936](http://www.legislation.gov.au/) of the Commonwealth.\n> > \n> > authorised person for the purposes of a provision of this Regulation means:\n> > \n> > > (a) the Treasurer, or\n> > \n> > > (b) the chief executive officer of St. George, or\n> > \n> > > (c) any of the following persons, if the Treasurer designates in writing that person as an authorised person for the purposes of the provision:\n> > > \n> > > > (i) a senior executive of St. George,\n> > > \n> > > > (ii) a member of the Chief Executive Service or the Senior Executive Service of the Public Service.\n> > \n> > chief executive officer of St. George means the officer having the day to day management of the affairs of St. George and includes an officer acting from time to time in that capacity.\n> > \n> > instrument includes a document and an oral agreement.\n> > \n> > interest, in relation to land, includes:\n> > \n> > > (a) a legal or equitable estate or interest in the land, or\n> > \n> > > (b) a right, power or privilege over, or in relation to, the land.\n> > \n> > liability includes a duty or obligation of any kind (whether arising under an instrument or otherwise, and whether actual, contingent or prospective).\n> > \n> > Partnership Banking means St. George Partnership Banking Limited.\n> > \n> > St. George means St. George Bank Limited.\n> > \n> > succession day means the day on which this Regulation commences.\n> > \n> > translated asset means an asset referred to in clause 6.\n> > \n> > translated liability means a liability referred to in clause 6.\n> > \n> > translated instrument, in relation to Partnership Banking, means an instrument (including a legislative instrument other than this Regulation) subsisting immediately before the succession day:\n> > \n> > > (a) to which Partnership Banking is a party, or\n> > \n> > > (b) that was given to, by or in favour of, Partnership Banking, or\n> > \n> > > (c) that refers to Partnership Banking, or\n> > \n> > > (d) under which money is, or may become, payable or other property is, or may become, liable to be transferred, to or by Partnership Banking.\n> \n> > (2) Where reference is made in this Regulation to anything done for a purpose connected with, or arising out of, the operation or effect of this Regulation, that reference is taken to include any transaction entered into, or any instrument or document made, executed, lodged or given, for that purpose.","sortOrder":3},{"sectionNumber":"4","sectionType":"section","heading":"Notes","content":"#### 4 Notes\n\n4 Notes\n\n> The explanatory note and table of contents do not form part of this Regulation.","sortOrder":4},{"sectionNumber":"Part 2","sectionType":"part","heading":"Bank reorganisation","content":"# Part 2 Bank reorganisation\n\nPart 2 Bank reorganisation","sortOrder":5},{"sectionNumber":"5","sectionType":"section","heading":"Consequence of succession day","content":"#### 5 Consequence of succession day\n\n5 Consequence of succession day\n\n> > (1) On the succession day, in accordance with the principle of succession in law:\n> > \n> > > (a) St. George becomes the successor in law of Partnership Banking and is for all purposes a continuation of and the same legal entity as Partnership Banking, and\n> > \n> > > (b) Partnership Banking is liquidated and dissolved.\n> \n> > (2) Nothing in any other provision of this Part limits the operation of this clause.","sortOrder":6},{"sectionNumber":"6","sectionType":"section","heading":"Assets and liabilities","content":"#### 6 Assets and liabilities\n\n6 Assets and liabilities\n\n> On the succession day:\n> \n> > (a) all assets of Partnership Banking, wherever located, vest in, or are otherwise available for the use of, St. George without the need for any conveyance, transfer, assignment or assurance and without the need for any prior notice or further act, and\n> \n> > (b) all liabilities of Partnership Banking, wherever located, become liabilities of St. George without the need for any prior notice or further act.","sortOrder":7},{"sectionNumber":"7","sectionType":"section","heading":"Translated instruments","content":"#### 7 Translated instruments\n\n7 Translated instruments\n\n> > (1) Each translated instrument in respect of Partnership Banking continues to have effect, according to its tenor, on and after the succession day, as if a reference in the instrument to Partnership Banking were a reference to St. George.\n> \n> > (2) Without limiting subclause (1), an instrument securing the payment of moneys owing to Partnership Banking is taken to secure moneys owing to St. George for the purposes of determining liability for stamp duty in respect of that instrument or any collateral instrument.","sortOrder":8},{"sectionNumber":"8","sectionType":"section","heading":"Places of business","content":"#### 8 Places of business\n\n8 Places of business\n\n> On and after the succession day, a place that, immediately before that day, was a place of business of Partnership Banking is taken to be a place of business for St. George.","sortOrder":9},{"sectionNumber":"9","sectionType":"section","heading":"Legal proceedings and evidence","content":"#### 9 Legal proceedings and evidence\n\n9 Legal proceedings and evidence\n\n> > (1) Where, immediately before the succession day, proceedings (including arbitration proceedings) to which Partnership Banking was a party were pending or existing in any court or tribunal, St. George is, on that day, substituted for Partnership Banking as a party to the proceedings and has the same rights in the proceedings as Partnership Banking had.\n> \n> > (2) Where, before the succession day, documentary or other evidence would have been admissible for or against the interests of Partnership Banking, that evidence is admissible, on or at any time after that day, for or against the interests of St. George.","sortOrder":10},{"sectionNumber":"10","sectionType":"section","heading":"Transfer of staff","content":"#### 10 Transfer of staff\n\n10 Transfer of staff\n\n> On the succession day each employee of Partnership Banking ceases to be employed by Partnership Banking and becomes an employee of St. George on the same terms and conditions as those that applied immediately before the succession day and this section does not:\n> \n> > (a) affect his or her contract of employment, or\n> \n> > (b) interrupt his or her continuity of service, or\n> \n> > (c) prejudice his or her existing or accruing rights to recreation leave, sick leave, superannuation or long service leave or any other employee entitlement existing immediately before the succession day, or\n> \n> > (d) affect rights or liabilities under any provident, benefit, superannuation or retirement fund or scheme relating to employees of Partnership Banking, or\n> \n> > (e) constitute a retrenchment or redundancy or give rise to any right of the employee to receive any payment or other benefit.","sortOrder":11},{"sectionNumber":"11","sectionType":"section","heading":"Directors","content":"#### 11 Directors\n\n11 Directors\n\n> A person holding office as a director or secretary of Partnership Banking immediately before the succession day ceases to hold office on and from the succession day and is not by virtue only of this Regulation a director or secretary of St. George.","sortOrder":12},{"sectionNumber":"12","sectionType":"section","heading":"Relationships with customers and depositors","content":"#### 12 Relationships with customers and depositors\n\n12 Relationships with customers and depositors\n\n> The relationship between Partnership Banking and a customer or depositor at an office or branch or agency of Partnership Banking is, on and after the succession day, between St. George and that customer or depositor, and gives rise to the same rights and duties (including rights of set-off) as would have existed before that day if that relationship had always been between St. George and the customer or depositor. Any instruction, order, direction, mandate or authority given by that customer or depositor to Partnership Banking and subsisting on or given after the succession day is, unless and until revoked or cancelled, taken to have been given to St. George.","sortOrder":13},{"sectionNumber":"13","sectionType":"section","heading":"St. George to do what is necessary to carry out reorganisation","content":"#### 13 St. George to do what is necessary to carry out reorganisation\n\n13 St. George to do what is necessary to carry out reorganisation\n\n> St. George must do whatever is necessary to ensure that this Part is fully effective, particularly in relation to its business outside New South Wales, whether within or outside Australia.","sortOrder":14},{"sectionNumber":"14","sectionType":"section","heading":"Revocation of banking authority","content":"#### 14 Revocation of banking authority\n\n14 Revocation of banking authority\n\n> Within one month following the succession day, Partnership Banking must by notice in writing to the Treasurer in accordance with section 9 of the [Banking Act 1959](http://www.legislation.gov.au/) of the Commonwealth request that the authority to carry on banking business in Australia granted to Partnership Banking be revoked.","sortOrder":15},{"sectionNumber":"Part 3","sectionType":"part","heading":"Miscellaneous","content":"# Part 3 Miscellaneous\n\nPart 3 Miscellaneous","sortOrder":16},{"sectionNumber":"15","sectionType":"section","heading":"Payment of an amount instead of State duties or other imposts","content":"#### 15 Payment of an amount instead of State duties or other imposts\n\n15 Payment of an amount instead of State duties or other imposts\n\n> > (1) Despite any other provision of this Regulation, Part 2 does not have effect unless any requirement made under this clause has been complied with or the Treasurer determines that no requirement is to be made. The Treasurer may issue a certificate to that effect under subclause (4) or (5).\n> \n> > (2) The Treasurer may require St. George to pay to the Treasurer instead of all duties, taxes, charges, rates or other imposts for which St. George or Partnership Banking would be liable under the law of this State as a result of, or in connection with, the merger of Partnership Banking with St. George an amount that is, in the opinion of the Treasurer, proper in the circumstances.\n> \n> > (3) The amount payable to the Treasurer is to be determined by the Treasurer in accordance with such principles as the Treasurer thinks appropriate.\n> \n> > (4) The Treasurer must, when satisfied that a requirement under this clause has been complied with, give St. George a certificate stating that the requirement has been complied with.\n> \n> > (5) If the Treasurer determines that no requirement will be made under this clause, the Treasurer must give St. George a certificate stating that no requirement is to be made.\n> \n> > (6) If a certificate is given under subclause (4) or (5), St. George is not liable for any duties, taxes, charges, rates or other imposts of a kind referred to in subclause (2), despite the provisions of any Act relating to the payment of duties, taxes, charges, rates or other imposts.\n> \n> > (7) A copy of a certificate under this clause, certified as such by the chief executive officer of St George, or a person authorised to do so by the chief executive officer, is for all purposes and in all courts, tribunals and proceedings, conclusive evidence of the matters certified.\n> \n> > (8) This clause does not apply to any duties, taxes, charges, rates or other imposts:\n> > \n> > > (a) payable to the Australian Securities Commission under the [Corporations Law](/view/html/inforce/current/sl-1999-0703), Corporations Regulations, ASC Law or ASC Regulations, or\n> > \n> > > (b) payable to the Registrar-General in respect of any act, dealing or other transaction relating to land.","sortOrder":17},{"sectionNumber":"16","sectionType":"section","heading":"Certificates evidencing operation of Regulation","content":"#### 16 Certificates evidencing operation of Regulation\n\n16 Certificates evidencing operation of Regulation\n\n> > (1) An authorised person may, by certificate signed by that person, certify any matter in relation to the operation or effect of this Regulation and, in particular, may certify that:\n> > \n> > > (a) a specified matter or thing relevant to St. George is an aspect of the operation or effect of this Regulation, or\n> > \n> > > (b) a specified thing was done for a purpose connected with, or arising out of, the operation or effect of this Regulation in relation to St. George, or\n> > \n> > > (c) a specified asset of Partnership Banking has become a translated asset of St. George, or\n> > \n> > > (d) a specified liability of Partnership Banking has become a translated liability of St. George.\n> \n> > (2) For all purposes and in all courts, tribunals and proceedings, a certificate under subclause (1) is conclusive evidence of the matters certified, except to the extent that the contrary is established.","sortOrder":18},{"sectionNumber":"17","sectionType":"section","heading":"Interests in land","content":"#### 17 Interests in land\n\n17 Interests in land\n\n> > (1) Without prejudice to the generality of this Regulation and despite anything to the contrary in any other Act or law, if, immediately before the succession day, Partnership Banking is, or is to be taken to be, the registered proprietor of an interest in land under the [Real Property Act 1900](/view/html/inforce/current/act-1900-025), on and after the succession day:\n> > \n> > > (a) St. George is to be taken to be the registered proprietor of that interest in land, and\n> > \n> > > (b) St. George has the same rights and remedies in respect of that interest as Partnership Banking had.\n> \n> > (2) No person dealing with St. George (in any capacity at all), nor the Registrar-General, nor any other person registering or certifying title to land or having the power or duty to examine or receive evidence as to title to land, is, in respect of any dealing or transaction in relation to land entered into or purporting to be entered into by St. George, where the registered proprietor of that land is Partnership Banking, to be concerned to see, or enquire into, whether the land has vested in St. George.","sortOrder":19},{"sectionNumber":"18","sectionType":"section","heading":"Company charges","content":"#### 18 Company charges\n\n18 Company charges\n\n> Section 268 (1) of the [Corporations Law](/view/html/inforce/current/sl-1999-0703) is taken to have been complied with in respect of all charges of which St. George becomes the holder by virtue of this Regulation if there is lodged with the Australian Securities Commission a certificate signed by an authorised person stating that by virtue of this Regulation the assets and liabilities of Partnership Banking have become vested in St. George.","sortOrder":20},{"sectionNumber":"19","sectionType":"section","heading":"Other assets","content":"#### 19 Other assets\n\n19 Other assets\n\n> > (1) Where:\n> > \n> > > (a) an asset (other than an interest in land referred to in clause 17 or a company charge referred to in clause 18) becomes under this Regulation an asset of St. George, and\n> > \n> > > (b) any person or authority has, under a law of this State, responsibility for keeping a register in respect of assets of that kind,\n> > \n> > then:\n> > \n> > > (c) any requirement of that law relating to the transfer of the property from one person to another is taken to have been complied with if there is lodged with that person or authority a certificate signed by an authorised person stating that by virtue of this Regulation the assets and liabilities of Partnership Banking have vested in St. George, and\n> > \n> > > (d) that person or authority, on being requested to do so, must make any amendments to that register which are necessary to make it accurately reflect the effect of this Regulation.\n> \n> > (2) This clause does not affect the operation of the [Corporations Law](/view/html/inforce/current/sl-1999-0703).","sortOrder":21},{"sectionNumber":"20","sectionType":"section","heading":"Documents purporting to be certificates","content":"#### 20 Documents purporting to be certificates\n\n20 Documents purporting to be certificates\n\n> A document purporting to be a certificate given under this Part is, unless the contrary is established, taken to be such a certificate and to have been properly given.","sortOrder":22},{"sectionNumber":"21","sectionType":"section","heading":"Evidence","content":"#### 21 Evidence\n\n21 Evidence\n\n> > (1) The public documents of Partnership Banking are for the purposes of sections 156 to 158 of the [Evidence Act 1995](/view/html/inforce/current/act-1995-025) taken to be, and to have been, public documents used in the ordinary business of St. George.\n> \n> > (2) For the purposes of this clause, public documents has the same meaning as in section 3 of the [Evidence Act 1995](/view/html/inforce/current/act-1995-025).","sortOrder":23},{"sectionNumber":"22","sectionType":"section","heading":"Construction of references","content":"#### 22 Construction of references\n\n22 Construction of references\n\n> If any Act or regulation (other than this Act or Regulation) or any document whenever made or executed (other than a document constituting or relating to a provident, benefit, superannuation or retirement fund) or any register established or kept under any Act contains any reference express or implied to Partnership Banking or a body listed in Schedule 1, the reference is, on and after the appointed day, to be read as a reference to St. George, unless the context otherwise requires.","sortOrder":24},{"sectionNumber":"23","sectionType":"section","heading":"Regulation to have effect despite other laws","content":"#### 23 Regulation to have effect despite other laws\n\n23 Regulation to have effect despite other laws\n\n> > (1) This Regulation has effect despite anything in any contract, deed, undertaking, agreement or other instrument.\n> \n> > (2) Nothing done by or under this Regulation:\n> > \n> > > (a) places St. George, Partnership Banking or another person in breach of contract or confidence or otherwise makes any of them guilty of a civil wrong, or\n> > \n> > > (b) places St. George, Partnership Banking or another person in breach of:\n> > > \n> > > > (i) any law of New South Wales, or\n> > > \n> > > > (ii) any contractual provision prohibiting, restricting or regulating the assignment or transfer of any asset or liability or the disclosure of any information, or\n> > \n> > > (c) fulfils any condition which allows a person to terminate or otherwise exercise a right or power under any agreement or liability, or\n> > \n> > > (d) releases any surety or other obligor, wholly or partly, from any liability, whether actual, contingent or prospective.\n> \n> > (3) Without limiting subclause (1), where, apart from this clause, the advice or consent of a person would be necessary in any particular respect in order to give effect to this Regulation, the advice is taken to have been obtained or the consent is taken to have been given, as the case requires.\n> \n> > (4) Nothing in this Regulation exempts St. George from the provisions of any Act or statutory instrument relating to companies carrying on the business of banking.","sortOrder":25},{"sectionNumber":"Schedule 1","sectionType":"schedule","heading":"Previous bodies","content":"# Schedule 1 Previous bodies\n\nSchedule 1 Previous bodies\n\n(Clause 22)\n\nBarclays Australia Holdings Limited  \nBarclays International Australia Limited  \nBarclays Bank Australia Limited","sortOrder":26}],"analysis":{"kimi_summary":{"content_quality":"ok","complexity_score":4,"scope_assessment":{"changed":false,"description":"The regulation remains tightly focused on its original purpose: facilitating the specific 1997 merger between St. George Partnership Banking and St. George Bank. While it contains broad mechanisms (automatic asset transfer, tax substitution powers, universal contract translation), these are all instrumental to the single merger event rather than expansion into new policy areas. The Schedule listing previous bodies (Barclays entities) suggests historical continuity but does not expand the operational scope beyond the immediate merger."},"complexity_factors":["12 defined terms in the interpretation section (clause 3), including nested definitions for 'asset' with 4 sub-paragraphs","Cross-references to 6 external statutes: Income Tax Assessment Act 1936, Banking Act 1959, Corporations Law, Real Property Act 1900, Evidence Act 1995, and implied references to NSW stamp duty legislation","Conditional trigger in clause 15 making Part 2 contingent on Treasurer's payment requirement or exemption certificate","Multiple 'despite' clauses overriding other laws (clauses 17, 23) creating hierarchy conflicts that require careful parsing","Conclusive evidence provisions (clauses 16, 20) creating irrebuttable presumptions in certain circumstances","Nested subclauses in clause 23 with 4 sub-paragraphs under subclause (2) and multiple 'without limiting' clauses creating layered exceptions"],"plain_english_summary":"This regulation facilitates the merger of two banks: St. George Partnership Banking Limited (the smaller bank) into St. George Bank Limited (the larger bank). It acts like a legal shortcut that automatically transfers everything from one company to another on a specific date (1 April 1997) without needing separate paperwork for each asset, debt, or contract.\n\n**What it does:**\n- **Automatic transfer**: All assets, debts, employees, contracts, court cases, and property owned by Partnership Banking instantly become St. George's on the merger date — no signatures or transfers needed.\n- **Contracts keep working**: Any existing contracts, loans, or agreements with Partnership Banking automatically switch to St. George as if they'd always been with St. George.\n- **Staff protected**: Employees move across with the same pay, leave entitlements, and service history intact. Nobody is made redundant by the merger itself.\n- **Directors removed**: Directors of the old bank lose their positions automatically; they don't become directors of St. George.\n- **Tax workaround**: The Treasurer can require St. George to pay a lump sum to the NSW Government instead of paying various state taxes and duties that would normally apply to such a big transfer of property.\n- **Legal proof**: Special certificates can be issued to prove the transfer happened, which government agencies and courts must accept as final proof.\n\n**Who it affects:**\n- Customers of Partnership Banking (their accounts and loans continue unchanged)\n- Employees (transferred automatically)\n- St. George Bank (absorbs the other bank)\n- NSW Government (gets payment instead of stamp duty and other taxes)\n\n**Why it matters:**\nWithout this regulation, merging two banks would require thousands of individual property transfers, contract reassignments, and employee negotiations. This law makes the merger legally seamless — preventing disruption to customers and saving enormous administrative costs."},"flash_summary_failed":{"failed":true,"reason":"A positive credit balance is required for all requests, including BYOK, so fallback providers remain available. Add credits at https://vercel.com/d?to=%2F%5Bteam%5D%2F%7E%2Fai%3Fmodal%3Dtop-up to continue.","source":"analysis-cron"},"issue_detection":{"absurdities":[],"contradictions":[]},"summary":{"complexity_score":2,"scope_assessment":{"changed":false,"description":"There is no evidence of scope change — the regulation has existed in exactly one version since 27 March 1997 with no amendments. However, the absence of the actual regulatory text makes it impossible to assess whether the regulation's real-world application ever diverged from its original intent."},"complexity_factors":["The actual operative text of the regulation was not included in the provided document — only metadata and status information is present, making substantive analysis impossible","The regulation appears narrow and specific in its subject matter (one bank, one transaction type), suggesting low inherent complexity","It has never been amended, implying a simple, static instrument","The historical context (1997 banking environment, NSW-specific rules) would require background knowledge to fully understand"],"plain_english_summary":"This NSW regulation, made 27 March 1997, concerns a “partnership banking” arrangement specific to St George Bank in the context of a bank merger. The published record contains almost no operative text, so its effect is unclear; it appears to have been a narrow, possibly one‑time measure affecting St George, its shareholders and customers at the time. Given St George’s later acquisition, practical relevance today is likely limited."},"flash_summary":{"complexity_score":4,"scope_assessment":{"changed":false,"description":"The Regulation implements a narrowly framed legal succession: it transfers Partnership Banking’s assets, liabilities, contracts, staff and business to St. George and sets procedural rules for registers, evidence and notices. Nothing in the text expands that core scope beyond effecting the merger, though clause 15 conditions the operation by allowing the Treasurer to require payment instead of State imposts."},"complexity_factors":["Automatic, wide-ranging vesting of all assets and liabilities without conveyance or further act (cl.6) increases legal breadth but simplifies transactional steps.","Continuity of contracts, instruments and proceedings by statutory substitution (cls.7, 9, 22) requires careful identification of 'translated' instruments and their treatment.","Treasurer's discretionary power to require payment in lieu of State duties and to determine amount/principles (cl.15) introduces fiscal discretion and uncertainty for St. George.","Conclusive certificates signed by authorised persons as evidence (cls.16, 20) reduce litigation risk but concentrate evidentiary weight in executive documents.","Special rules for land title and register amendments (cls.17, 19) interact with existing land and registry systems and limit registrars' duties to inquire.","Employee transfer with preserved continuity and entitlements (cl.10) simplifies HR transition but requires operational alignment of payroll/benefits.","Interaction with Corporations Law and ASIC/ASC obligations (cls.15(8), 18, 23(4)) creates limited exclusions and registration steps (e.g. company charges).","A general 'despite anything' override (cl.23(1)) grants primacy over other instruments and laws subject to specific exceptions, raising potential legal friction points."],"plain_english_summary":"This Regulation automatically transfers, on the succession day, all assets, liabilities, contracts, legal proceedings, places of business and employees of Partnership Banking to St. George, treating St. George as the same legal entity.\n\nIt affects customers, employees, creditors, registries and St. George (which may be required by the Treasurer to pay an amount instead of State duties), and removes the need for separate transfers, notices or re-registration."}},"importantCases":[],"_links":{"self":"/api/acts/bank-mergers-st-george-partnership-banking-regulation-1997","history":"/api/acts/bank-mergers-st-george-partnership-banking-regulation-1997/history","analysis":"/api/acts/bank-mergers-st-george-partnership-banking-regulation-1997/analysis","conflicts":"/api/acts/bank-mergers-st-george-partnership-banking-regulation-1997/conflicts","importantCases":"/api/acts/bank-mergers-st-george-partnership-banking-regulation-1997/important-cases","documents":"/api/acts/bank-mergers-st-george-partnership-banking-regulation-1997/documents"}}