{"id":"C1913L00013","name":"Commonwealth Bank Regulations 1913 (Provisional)","slug":"commonwealth-bank-regulations-1913-provisional","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"repealed","isInForce":false,"actNumber":"13 of 1913","makingDate":null,"administeringDepartment":null,"currentVersion":{"id":20512,"registerId":"commonwealth-C1913L00013-current","compilationNumber":null,"startDate":"2026-04-01","status":"Repealed","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Commonwealth Bank Regulations 1913 (Provisional)","content":"STATUTORY RULES.\n\n1913. No. 13.\n\nPROVISIONAL REGULATIONS UNDER THE COMMONWEALTH BANK ACT 1911.\n\nI, THE GOVERNOR-GENERAL in and over the Commonwealth of Australia, acting with the advice of the Federal Executive Council, hereby certify that on account of urgency the following Regulations, under the Commonwealth Bank Act 1911 should come into immediate operation, and make the Regulations to come into operation forthwith as Provisional Regulations.\n\nDated the sixteenth day of January, One thousand nine hundred and thirteen.\n\nDENMAN,\n\nGovernor-General.\n\nBy His Excellency’s Command.\n\nJOSIAH THOMAS,\n\nfor the Treasurer.\n\nRegulations relating to the Commonwealth Bank of Australia.\n\nShort Title.\n\n1\\. These Regulations may be cited as the Commonwealth Bank Regulations 1913.\n\nInterpretation.\n\n2\\. In these Regulations, unless the contrary intention appears—\n\n“the Act” means the Commonwealth Bank Act 1911;\n\n“the Bank” means the Commonwealth Bank of Australia;\n\n“the Governor” means the Governor of the Bank;\n\n“the Deputy-Governor” means the Deputy-Governor of the Bank;\n\n“Inspector” means an Inspector of the Bank;\n\n“Superintendent” means the Officer-in-Charge of the Savings Bank Department of the Bank in each State;\n\n“Manager” means the Manager of a Branch of the Bank;\n\n“Accountant” means the Officer performing the duties of Accountant at a Branch of the Bank;\n\n“Officer” means an officer of the Bank;\n\n“Probationer” means an employee on probation for admission to the service of the Bank;\n\n“Branch” means a Branch of the Bank.\n\nC.351.—Price 8d. \n\nStaff.\n\n3\\. (1) Classification of Officers.—The Governor shall classify the officers and servants of the Bank, and shall fix their remuneration from time to time.\n\n(2). Probationers.—Every probationer on joining the service of the Bank shall be required to sign “Probationary Articles of Agreement” and a “Declaration of Secrecy,” and he shall be assured by a bond for £500 (penal) by a Fidelity Guarantee Society, approved by the Governor, to secure his fidelity during his term of probation.\n\n(3). Officers.—Every officer on his admission to the service of the Bank shall be required to sign “Articles of Agreement,” and “Declaration of Secrecy.”\n\n(4). Duty of Secrecy.—No probationer or officer shall allow any person to have access to books or papers belonging to the Bank, nor shall he furnish extracts therefrom, nor give information of any kind relating to the business of the Bank (except to a customer in respect of his own matters) unless by direction and authority of the Governor, or under compulsion or obligation of law.\n\nSuperannuation Fund and Fidelity Guarantee Fund.\n\n4\\. (1) The Governor may provide for a Superannuation Fund, and a Fidelity Guarantee Fund to be established, and may make Rules for the conduct of such Funds. Every officer (excepting the first Governor and Deputy Governor) shall subscribe to such Funds in terms of the Rules.\n\n(2). The Governor may, from time to time, out of the funds of the Bank, supplement each of the said Funds to an extent approved by the Treasurer.\n\nGovernor—Delegation of Authority.\n\n5\\. The Governor may, from time to time, when he considers it necessary or expedient, delegate any or all of the powers conferred upon him by these Regulations to the Deputy-Governor or Superintendent, or Inspector, or Branch Manager, or such other officer as he thinks fit.\n\nLegal Proceedings.\n\n6. No legal proceedings on behalf of the Bank shall be initiated or carried on by any officer of the Bank unless and until sanctioned by the Governor.\n\nGeneral Banking Business Regulations.\n\n7\\. (1) The Bank shall be open for the transaction of general banking business at such times and at such places as the Governor directs.\n\n(2). The Bank shall, subject to the Act and these Regulations—\n\n(a) Receive money on current account;\n\n(b) Receive money on fixed deposit;\n\n(c) Issue bills and drafts;\n\n(d) Grant letters of credit;\n\n(e) Receive bills for collection;\n\n(f) Accept packets for safe custody;\n\n(g) Grant advances;\n\n(h) Discount or negotiate bills and drafts;\n\n(i) Deal in exchanges, specie, bullion, gold dust, assayed gold, and precious metals; and\n\n(k) Transact any other banking business;\n\non such terms and conditions and at such rates as the Governor, from time to time, decides. \n\nCurrent and Fixed Deposit Accounts.\n\n8\\. (1) Individuals. —Any person wishing to open a current or fixed deposit account with the Bank will be required—\n\n(a) To furnish the bank with full information regarding his name, occupation, and address;\n\n(b) To give u specimen of his signature in the book provided for that purpose;\n\n(c) To fill in and sign a deposit slip; and\n\n(d) To furnish any further information which the Bank requires.\n\n(2) Firms.—Any firm wishing to open a current or fixed deposit account with the Bank will be required—\n\n(a) To furnish the Bank with full information regarding the constitution, business, and address of the firm;\n\n(b) To give specimen signatures of all the partners or proprietors in the book provided for that purpose;\n\n(c) To give the Bank an authority prescribing who shall operate on the account; and\n\n(d) To furnish any further information which the Bank requires.\n\n(3). Companies and Societies and Other Incorporated Bodies.—Any company or society or other incorporated body wishing to open a current or fixed deposit account with the Bank will be required to furnish—\n\n(a) A copy of its memorandum and articles of association or instrument of incorporation;\n\n(b) An authority specifying the persons who are authorized to operate on the account, supported by relevant extracts from minutes, duly verified, and specimen signatures of the persons so authorized; and\n\n(c) Any further information which the Bank requires.\n\n(4). Local Authorities, Friendly Societies, Charitable Institutions, and Other Kindred Bodies.—Any local authority, friendly society, charitable institution, or other kindred body wishing to open a current or fixed deposit account with the Bank will be required to furnish—\n\n(a) An authority specifying the officials who are authorized to operate upon the account, together with their specimen signatures;\n\n(b) The name and address of the official to whom the Bank is to address correspondence regarding the account; and\n\n(c) Any further information which the Bank requires.\n\n(5). It shall not be incumbent on the Bank to examine any deed, articles, or rules of any firm, company, society, or body to ascertain that the method specified in any authority as the method in which the account of the firm, company, society, or body is operated upon is in accordance with such deed, articles, or rules, and the Bank shall not be responsible if such deed, articles, or rules are in any way contravened.\n\n(6). Notice of any change in the address of any customer of the Bank shall be given by the customer to the Bank as soon as reasonably may be after the change has taken place.\n\nPower of Attorney, &c.\n\n9\\. When an account is to be operated on under power of attorney or probate or letters of administration, the original document shall, if required, be produced to the Bank, and such document, or a certified copy thereof, shall, if required, be lodged with the Bank.\n\nA 2 \n\nDecease of Customers.\n\n10. (1) In the event of the death of a customer, no further withdrawal of funds shall be permitted, except by the deceased’s personal representative, after production of probate or letters of administration, unless the Governor thinks fit to permit such withdrawal.\n\n(2) The Bank shall not be responsible for any withdrawals of or other dealings with any funds of a deceased customer before it has received notice of his death.\n\nIssue of Bank Cheques.\n\n11\\. No cheques will be marked as “good” for customers. When a local payment has to be made, and it would be inconvenient for a customer of the Bank to tender cash, the manager may issue a “Bank Cheque” signed by himself and the accountant.\n\nFixed Deposit Receipts.\n\n12. (1) Not Paid before Maturity.—Fixed deposits shall not be paid before maturity unless with the Governor’s approval.\n\n(2) Instructions as to Disposal.—The instructions as to the disposal of an amount on fixed deposit shall be indorsed on the receipt, and signed by the payee, or his letter of authority given; unless the Governor dispenses with such indorsement or authority.\n\n(3) Acquaintance for Cash or Transfer.—An acquaintance by way of cheque shall be given for all fixed deposits, and also for interest thereon. A cheque or other specific authority shall be given if the depositor wishes to place the whole or any part of the proceeds at maturity, or otherwise at the disposal of any person other than himself.\n\nDeath of Fixed Depositor.\n\n13\\. In the event of the death of a fixed depositor, the money shall not be transferred to current amount, or paid, until probate or letters of administration have been obtained, and exhibited in the usual way, unless the Governor dispenses with their production. Such deposit may, however, with the approval of the Governor, be renewed, with interest added, in the name of the deceased.\n\nRenewal of Fixed Deposit.\n\n14\\. When a fixed deposit is renewed, a new receipt shall be issued with a new number.\n\nFixed Deposit Receipts—Lost.\n\n15\\. (1) In the event of a depositor losing his deposit receipt, particulars of loss shall be furnished to the Governor, who will decide whether the Bank will pay the depositor the amount of his receipt, on his giving an indemnity in accordance with the following form, or any other security required by the Governor, with an approved surety, accompanied by a statutory declaration setting out the facts and declaring that the document was not parted with for valuable or other consideration, and such other evidence (if any) as the Governor requires. \n\nForm of indemnity.\n\nIn consideration of the Commonwealth Bank of Australia paying to the bearer the sum of.... being the amount of fixed deposit receipt No dated payable on to which fixed deposit receipt has been lost and cannot be produced by the said I promise and agree to hold the Bank indemnified against all actions and suits, claims or demands, which may be brought or made on the said fixed deposit receipt, or in respect of the moneys therein referred to, and also against all costs, charges, and expenses which the Bank may pay or incur in consequence of making the aforesaid payment to the bearer hereof.\n\n.................................\n\nSignature of Surety.\n\n.............day of...............\n\nReceived from the Commonwealth Bank of Australia the above-mentioned sum of.........and I agree to hold the Bank indemnified against all actions or suits, claims and demands which may be brought, or made upon, or in respect of the above-mentioned fixed deposit receipt, or in respect of the moneys therein referred to and also against all costs, charges, and expenses which the Bank may pay or incur in consequence of paying the above-mentioned sum to me.\n\nSignature of receiver of the money.................\n\n(2) Where the law of the State so requires, the indemnity and receipt should be stamped with a duty stamp by the persons executing them, but the absence of any such stamp shall not affect the validity of the document or the rights of the Bank thereunder.\n\nQuarterly Statements of Assets and Liabilities, &c.\n\n16\\. The Governor shall furnish to the Treasurer of the Commonwealth quarterly statements of the liabilities and assets of the Bank, and of the business of the Bank, in accordance with Form S.\n\nHalf-yearly Balance-sheet,\n\n17\\. The balance-sheet to be prepared in accordance with section 20 of the Act shall be made up as of the 30th day of June and the 31st day of December in each year, and shall be in accordance with Form T, and shall be prepared as soon after those dates as reasonably may be.\n\nClassification of Depositors’ Balances.\n\n18\\. A return called the Classification of Depositors’ Balances in the Form XI shall be supplied by the Governor to the Treasurer as for the 30th of June in each year.\n\nDebentures.\n\n19\\. (1) The Governor may, from time to time, with the approval of the Treasurer, sell debentures, or cause them to be sold, in the Commonwealth, England, and elsewhere.\n\n(2) Debentures shall be in accordance with the following form, and shall be under the Common Seal of the Bank, and signed by the Governor or Deputy-Governor and countersigned by some officer authorized by the Governor in that behalf; \n\nForm of Debenture.\n\nCOMMONWEALTH OF AUSTRALIA.\n\nThe Commonwealth Bank of Australia.\n\nNo....£\n\nThis Debenture is issued by the Commonwealth Bank of Australia, in pursuance of the Commonwealth Bank Act 1911, and entitles the bearer to the sum of pounds sterling with interest thereon, at the rate of pounds per centum per annum to be paid to the bearer by the Bank, subject to the said Act and the terms specified in this Debenture.\n\n1\\. The payment of the principal and interest due in respect of this Debenture is, by the said Act, guaranteed by the Commonwealth, and the Consolidated Revenue Fund of the Commonwealth is by the said Act appropriated for that purpose.\n\n2\\. Interest will be payable half yearly on the first day of...................and the first day of in each year, and annexed to this Debenture are twenty coupons each providing for a half-year’s interest, and such interest will be payable only on presentation of the coupon referring thereto. After the day of (ten years after date), and at the expiration of each succeeding period of ten years, the bearer of the appropriate voucher on presentation thereof will be entitled to the issue of fresh coupons for a further period of ten years.\n\n3\\. The principal sum of £.......................will be paid to the bearer hereof on such day between the date hereof and the first day of January, One thousand nine hundred and ninety-nine, and at such place or places as the Governor of the Bank from time to time decides.\n\n4\\. Not less than twelve months’ notice shall be given by the Governor of intention to pay off the said principal sum.\n\n5\\. Such notice shall be given by advertisement in the Commonwealth Government Gazette, and in some daily newspaper in each of the capital cities of Australia, or in such other place or places (if any) as the Governor considers expedient or proper.\n\nDated this...................day of...............19…\n\nl.s.\n\n......................................\n\nSignature of Governor or Deputy-Governor of Bank.\n\nCountersigned\n\n......................................\n\nAuthorized officer of the Bank.\n\n(3). The Governor may at any time at the request of the bearer of any Debenture issue Inscribed Stock of the same currency, and bearing the same interest in lieu and place of the Debenture.\n\n(4). Requests for Inscribed Stock may be made to the Governor in Sydney, or at such other place or places as the Governor from time to time appoints.\n\n(5). Requests for Inscribed Stock shall be in accordance with Form A or Form B, and must be accompanied by the Debentures which the applicant proposes to surrender. These forms, and all other specified forms, may be obtained from any office of the Bank, upon application either personally, or by letter. \n\n(6). Upon receipt of the request, a provisional receipt in accordance with Form C will be issued by the Bank, and must be surrendered when a certificate of inscription in accordance with Form D in the Schedule is issued.\n\nTransfers,\n\n20\\. (1) All transfers of Inscribed Stock must be made in the transfer books kept for that purpose in the Sydney office of the Bank, or at such other place places as the Governor from time to time appoints, and must be signed by the transferror and the transferree either in person or by attorney.\n\n(2). No transfer will be permitted in a sum less than ten pounds sterling.\n\n(3). Upon transfer being completed, a memorandum of transfer in Form N will be Issued to the transferee.\n\nInterest.\n\n21. (1) Interest on Inscribed Stock shall be payable at the Sydney office of the Bank, or at such other place or places as the Governor from time to time appoints, or the interest warrants will be sent by registered letter to the following persons, at the risk of the stockholders, upon such of the Forms H, I, J, or K as are suitable being duly filled up, and forwarded to the Governor at Sydney, or at such other place or places as the Governor from time to time appoints, viz.:—\n\nWhen there is a sole stockholder, or a sole surviving stockholder; or a sole executor or administrator of a stockholder; or a sole surviving executor or administrator of a stockholder, warrants may be sent—\n\nTo the stockholder, or to his or her executor, or administrator:\n\nTo his or her attorney, duly authorized under a letter of attorney, which will be retained by the Bank; or\n\nTo any person, firm, or company, whose discharge shall be full and sufficient.\n\nWhen there are two or more stockholders, warrants may be sent—\n\nTo the first stockholder in the account, upon his sole request, provided the Bank has not received any written notice to the contrary from any other of the stockholders;\n\nTo any stockholder in the account upon the request of all the stockholders;\n\nTo an attorney duly authorized under a letter of attorney, which will be retained by the Bank; or,\n\nTo any person, firm, or company, upon the request of all the stockholders, and the discharge of such person, firm, or company, shall be full and sufficient.\n\n(2). Interest warrants sent by post may be cashed at any branch of the Bank within Australia, provided the person or persons in whose favour they are drawn are known to the manager, or produce satisfactory identification, and provided also that the funds at the disposal of the Branch Manager will permit, but payment cannot be demanded, except in the capital cities of Australia; or, interest will be paid to credit of account in any head or principal banking office in Sydney, for transmission to a like credit in any branch banking office within Australia, upon request in Form K.\n\n(3). Interest warrants will be drawn to order, and must be endorsed before payment. \n\n(4). The balance for the half-yearly interest will be struck ten days before the interest becomes due, and no transfers will be registered during that period.\n\n(5). Forms of request may be delivered at the Bank at any date, either by hand or through the post; but when received between the day on which the balance for interest is struck, and the day on which the interest is payable, the warrants for such next interest will be forwarded as soon as possible, but the Bank will not guarantee their being posted on the day before the interest is payable.\n\n(6). Any change of address of the person to whom the warrants are sent should be notified at once to the Bank. When any such notification (which should contain the name and amount of the stock) reaches the Bank less than three clear days before the next interest is due, the Bank cannot undertake to record it until after the payment of such next interest.\n\n(7). In the absence of any notification to the contrary, it will be taken for granted that interest warrants sent by post have duly reached their destinations. When they are not received on the correct day, notice should be given to the Governor without delay.\n\n(8). Instructions to transmit warrants by post, or to pay to credit of account in a bank, will remain in force, although the stock may have been added to, or a part sold.\n\n(9). Trusts will not be recognised.\n\n(10). Forms L or M must be used when notifying any change of address.\n\n(11). Forms O or P must be used for application for issue of a form of letter of attorney.\n\nLetters of Attorney.\n\n22. Letters of Attorney for the purposes of Inscribed Stock may be in accordance with Form E or F, as the case requires, and must be left at the Sydney office of the Bank, or at such other place or places as the Governor, from time to time, appoints for scrutiny at least seven clear days before they are to be acted upon. All such documents will remain the property of the Bank.\n\nProbates and Letters of Administration.\n\n23\\. Probates and letters of administration must be exhibited at the Sydney office of the Bank, or at such other place as the Governor appoints, at least seven clear days before Inscribed Stock affected by them can be dealt in.\n\nExchange of Inscribed Stock for Debentures.\n\n24\\. (1) The Governor may, at any time, at the request of the holder of any Inscribed Stock, issue Debentures, of the same currency, for the same amount, and bearing the same interest, as the Inscribed Stock.\n\n(2). Requests for the issue of Debentures in lieu of Inscribed Stock may be made in Form R.\n\n(3). Upon the Debentures being issued the Inscribed Stock, in lieu of which the Debentures were issued, shall be cancelled, and a note thereof made in the books of the Bank.\n\nForms.\n\n25\\. The references to forms are references to the forms in the Schedule. \n\nThe Schedule.\n\nA.\n\nProvisional Receipt, No.\n\nCertificate of Inscription No.\n\nAPPLICATION FOR “INSCRIBED STOCK”\n\n(For Ordinary Use.)\n\n(A Separate Form must be used for each parcel of Stock.)\n\n(Place)\n\n(Date)\n\n```html\n

£

:

:

Sir,

beg to apply for the issue of pounds of Inscribed Stock under the provisions of the Commonwealth Bank Act 1911 in lieu of Debentures of the Bank for the same amount, and which are forwarded herewith.

The Stock is to be inscribed in the name

given in Schedule below.

\n```\n\nhave the honour to be,\n\nSir.\n\nYour obedient Servant,\n\n```html\n

\"\"(Ordinary Signature of

party or parties, Or

of Brokerr)

\n```\n\nThe Governor,\n\nCommonwealth Bank of Australia,\n\nSydney,\n\nSchedule.\n\n```html\n

Name or Names in which Stock is to be Inscribed (where the Account is a joint one, it must be so specified).

Calling.

Address.

Amount of Stock.

Surname

Christian Name.

\n```\n\nMust be stated in full; this is essential.\n\nTrusts will not be recognised.\n\n#### B.\n\nProvisional Receipt No.\n\nCertificate of Inscription, No.\n\nAPPLICATION FOR INSCRIBED STOCK.\n\n(For Corporate Accounts.)\n\n(A separate Form must be used for each parcel of Stock.)\n\n(Place)—\n\n(Date)—\n\n| £ | : | : | Sir,I beg to apply for the issue of pounds of Inscribed Stock, under the provisions of the Commonwealth Bank Act 1911, in lieu of Debentures of the Bank for the same amount, and which are forwarded herewithThe Stock is to be inscribed in the name of [the name of the Bank, Company, or Society must be stated in full, and, if incorporated by Act of Parliament, the number of the Act must be given]. |\n| --- | --- | --- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n\nI have the honour to be, Sir,\n\nYour obedient Servant,\n\nSignature of Secretary, Manager,\n\nor other authorized Officer—\n\nThe Governor,\n\nCommonwealth Bank of Australia, Sydney. \n\nC.\n\nNo.\n\nPROVISIONAL RECEIPT.\n\n(To be exchanged for Certificate of Inscription.)\n\nCommonwealth Bank of Australia,\n\nSydney. 19 .\n\n```html\n

Received from

Debentures for the sum of
to be exchanged for Stock
amount and to be inscribed

This Receipt must be handed in to the Bank at Sydney to be exchanged for a Certificate of Inscription.

pounds

of the Bank for the same
in the name of

Manager

\n```\n\nD.\n\nCERTIFICATE OF INSCRIPTION.\n\n(Under the Commonwealth Bank Act 1911.)\n\nNo.\n\n```html\n

This is to certify that, pursuant to
Bank Act 1911, there hath been issued

This certificate is valueless either for purposes of Transfer or for Negotiation.

the provisions of the Commonwealth

to

of

Commonwealth Bank of Australia,
is this day inscribed in the Books of
the said Stock.

pounds of Inscribed Stock of the

and that the name of the said

Record of the Bank as the holder of

The Certificate is neither trans

only as evidence of the Inscription

ferable nor negotiable, and is issued

of the Stock at the date hereof.

Dated at the Bank, Sydney, this

day, of

19 .

Governor

Entered in the “Books of Record” at the Bank.

Registrar of Stock.

\n```\n\nE.\n\nPOWER OF ATTORNEY FOR SALE OF INSCRIBED STOCK.\n\n```html\n

Know all Men by these Presents that I, ,

of

do make, constitute, and

appoint

,

of

,

my true and lawful Attorney

for me and in my name and on my behalf to sell, assign, and transfer £ of Inscribed Stock of the Commonwealth Bank of Australia and now standing in my name: Also, to receive the consideration money and give a receipt or receipts for the same, and to do all lawful acts requisite for effecting the premises, hereby ratifying and confirming all that my said Attorney shall do therein by virtue hereof. And I hereby declare that all acts which shall be done in pursuance hereof before the Commonwealth Bank of Australia shall have notice of the revocation hereof by death or otherwise shall be binding on me, my heirs, executors, and administrators, notwithstanding such revocation before such acts shall have been done.

\n```\n\nIn witness whereof I have hereunto set my hand the\n\nday of , in the year of our Lord One thousand\n\nnine hundred and\n\n![](image.002.png)Signed by the said\n\nin the presence of—\n\nN.B.—Where a Letter of Attorney is executed out of Australia, it is necessary, in addition to the usual witnesses, that the document be attested by His Majesty's Consul or Vice-Consul, a Magistrate, or Notary Public.\n\nYou are particularly desired to attend to the instructions for executing Letters of Attorney, which are on the other side, as a want of proper attention to them may vitiate the document. \n\nInstructions for Executing Letters of Attorney, which must be Strictly Observed.\n\nThe date to be inserted at the time of execution in words at length, and not in figures.\n\nThe execution must be attested by two witnesses, and their places of abode and quality must be written against their names; and, where they reside in a town, the number of the house and name of the street should be added.\n\nWhere Letters of Attorney are executed by more than one person, the subscribing witnesses must insert in the attestation the name of the party or parties whose execution they attest; and if the parties do not all execute at the same time, and in the presence of the same witnesses, the words “Signed by in the presence of us” must be repeated in each attestation.\n\nEvery Letter of Attorney that is executed by a mark, instead of a written name, must be witnessed by a Justice of the Peace, or an approved Broker, or a Clerk of a Court, and the witnesses must declare that the Power has been read and fully explained to the party.\n\nIf any alteration, interlineations, or erasure be made in a Letter of Attorney, it must be particularly stated in the attestation subscribed by the witnesses, and that it was done previous to execution.\n\nF.\n\nPOWER OF ATTORNEY TO PURCHASE INSCRIBED STOCK FROM AN EXISTING STOCK-HOLDER.\n\nKnow all Men by these Presents that I,\n\nof , do hereby nominate, constitute, and appoint, and in my place and stead put and depute , of , my true and lawful Attorney for me, and in my name and on my behalf to purchase all or any part of £ of the Inscribed Stock of the Commonwealth Bank of Australia, and also to accept a Transfer or Transfers of such Stock. And for me, and in my name, and as my act and deed, to sign, execute, and deliver the aforesaid Transfer or Transfers, or any duplicate or duplicates thereof, and any other document or documents which may be necessary, and to submit to all the rules and regulations now existing, or which may hereafter be made by the Governor of the Bank in respect of such Stock; and to do all other acts which shall be thought expedient or proper in order to acquire for me all the rights incident to such Stock, I hereby ratifying and confirming, and agreeing to ratify and confirm all and whatsoever my said Attorney shall lawfully do or cause to be done in the premises by virtue hereof: And I direct that all acts which shall be done in pursuance hereof, before the Commonwealth Bank of Australia shall have notice of my death, or the revocation of the authority hereby given, shall be binding on me, my heirs, executors, and administrators, notwithstanding my death or the revocation of such authority before such acts shall have been done.\n\n```html\n

In witness whereof I have hereunto set my hand at

this day of

,

in the year of our Lord

One thousand nine hundred and

.Signed by the said

\"\"

in the presence of

of

and

of

\n```\n\nN.B.—Where a Letter of Attorney is executed out of Australia, it is necessary, in addition to the usual witnesses, that the document be attested by His Majesty’s Consul, or Vice-Consul, a Magistrate, or Notary Public.\n\nYou are particularly desired to attend to the instructions for executing Letters of Attorney, which are on the other side, as a want of proper attention to them may vitiate the document.\n\nInstructions for Executing Letters of Attorney, which must be Strictly Observed\n\nThe date to be inserted at the time of execution in words at length, and not in figures.\n\nThe execution must be attested by two witnesses, and their places of abode and quality must be written against their names and, where they reside in a town, the number of the house and name of the street should be added.\n\nWhere Letters of Attorney are executed by more than one person, the subscribing witnesses must insert in the attestation the name of the party or parties \n\nwhose execution they attest; and if the patties do not all execute at the same time, and in the presence of the same witnesses, the words “Signed by\n\nin the presence of us” must be repeated in each attestation.\n\nEvery Letter of Attorney that is executed by a mark, instead of a written name, must be witnessed by a Justice of the Peace, or an approved Broker, or a Clerk of a Court, and the witnesses must declare that the Power has been read and fully explained to the party.\n\nIf any alteration, interlineation, or erasure be made in a Letter of Attorney, it must be particularly stated in the attestation subscribed by the witnesses, and that it was done previous to execution.\n\nG.\n\nPOWER OF ATTORNEY TO RECEIVE INTEREST.\n\nKnow all Men by these Presents that I,\n\nof , do make, constitute, and appoint\n\nof , my true and lawful Attorney\n\nfor me, and in my name and on my behalf to receive and give Receipts for all Interest that is now due, and that shall hereafter become due on any Inscribed Stock of the Commonwealth Bank of Australia now or at any time hereafter held by me, and to do all lawful acts requisite for effecting the premises, I hereby ratifying and confirming all that my said Attorney shall do therein by virtue hereof : And I hereby declare that all acts which shall be done in pursuance hereof before the Commonwealth Bank of Australia shall have notice of the revocation hereof by death or otherwise shall be binding on me, my heirs, executors, and administrators, notwithstanding such revocation before such acts shall have been done.\n\nIn witness whereof I have hereunto set my hand the\n\n```html\n

day of

nine hundred and

, in the year of our Lord One thousand

Signed by the said

\"\"

in the presence of—

\n```\n\nN.B.—Where a Letter of Attorney is executed out of Australia, it is necessary, in addition to the usual witnesses, that the document be attested by His Majesty’s Consul, or Vice-Consul, a Magistrate, or Notary Public.\n\nYou are particularly desired to attend to the instructions for executing Letters of Attorney, which arc on the other side, as a want of proper attention to them, may vitiate the document.\n\nInstructions for executing Letters of Attorney, which must be strictly Observed.\n\nThe date to be inserted at the time of execution in words at length, and not in figures.\n\nThe execution must be attested by two witnesses, and their places of abode and quality must be written against their names; and, where they reside in a town, the number of the house and name of the street should be added.\n\nWhere Letters of Attorney are executed by more than one person, the subscribing witnesses must insert in the attestation the name of the party or parties whose execution they attest; and if the parties do not all execute at the same time, and in the presence of the same witnesses, the words “Signed by the said in the presence of us” must be repeated in each attestation.\n\nEvery Letter of Attorney that is executed by a mark, instead of a written name, must be witnessed by a Justice of the Peace, or an approved Broker, or a Clerk of a Court, and the witnesses must declare that the Power has been read and fully explained to the party.\n\nIf any alteration, interlineation, or erasure be made in a Letter of Attorney, it must be particularly stated in the attestation subscribed by the witnesses, and; that it was done previous to execution. \n\nH.\n\n(One Signature.)\n\nREQUEST FOR TRANSMISSION OF INTEREST WARRANTS BY POST.\n\nTo the Registrar of Stock,\n\nCommonwealth Bank of Australia, Sydney.\n\n```html\n

£ [Amount of Stock] “

” standing in the name

of [Full particulars of Account as it stands in the Stock Books].

\n```\n\nI shall be obliged by your forwarding all Interest Warrants due, and to become due, and payable on the above-mentioned sum of Stock, or on the amount for the time being so standing to \\[“me”; or name in full of the person, firm, or company to whom the Warrants are to be sent\\], at \\[address to which Warrants are to be sent; if “me” is inserted above, strike out these words\\], whose receipt on my behalf shall be your quittance.\n\nAnd I hereby agree to save harmless and keep indemnified the Commonwealth Bank of Australia against all claims and demands which may be made upon the Bank by reason of the carrying out of these instructions,\n\n```html\n

Signature of Stockholder or of his or her executor or administrator, or of surviving stock-holder, or of his or her executor or administrator, or his or her duly constituted Attorney, as the case may be.

\"\"

Dated

,

191 .

‑‑‑‑‑‑‑‑‑‑‑‑

I

(Two or more Signatures.)

\n```\n\nREQUEST FOR TRANSMISSION OF INTEREST WARRANTS BY POST.\n\nTo the Registrar of Stock,\n\nCommonwealth Bank of Australia, Sydney.\n\n£ \\[Amount of Stock\\] standing in the name\n\nof \\[Full particulars of Account as it stands in the Stock Books\\].\n\nWe shall be obliged by your forwarding all Interest Warrants due, and to become due, and payable on the above-mentioned sum of Stock, or on the amount for the time being so standing to \\[name in full of the person, firm, or company to whom the Warrants are to be sent\\], at \\[address to which Warrants are to be sent\\], whose discharge will be full and sufficient.\n\nAnd we hereby agree to save harmless and keep indemnified the Commonwealth Bank of Australia against all claims and demands which may be made upon the Bank by reason of the carrying out of these instructions.\n\n```html\n

This form must be signed by alt the Stock-holders, or by all the surviving Stock-holders, or, where all the Stock-holders are deceased, by the executors or administrators of the Stock-holder, in joint account, last deceased, or by a properly constituted Attorney, as the case may be.

\"\"

[Signatures.]

Date—

191

.

.

J.

\n```\n\n(Corporate Account.)\n\nREQUEST FOR TRANSMISSION OF INTEREST WARRANTS BY POST, OR FOR PAYMENT TO CREDIT IN A BANK.\n\nTo the Registrar of Stock,\n\nCommonwealth Bank of Australia, Sydney.\n\n```html\n

£ [Amount of Stock]

standing in the name

of

[Full particulars of Account as it stands in the Stock Books).

You will oblige by forwarding all Interest Warrants due, and to become

\n```\n\n \n\ndue and payable on the above-mentioned sum of Stock, or on the amount for the time being to standing, to (a) \\[The name of the corporate body; or name in full of the person, firm, or company to whom the Warrants are to be sent; or if it be desired that the Interest be paid to credit of account in a bank it should be so stated\\], at (b) \\[Address to which Warrants are to be sent\\], (c) \\[If the name of the corporate body holding the Stock is inserted above, strike out these words\\], whose signature shall be your full and sufficient discharge.\n\n(L.s.)\n\nThis form must be sealed and signed in accordance with the Minute, Resolution, Articles of Association, or Statutes, regulating the use of the seal of the Corporate Body.\n\n#### K.\n\nREQUEST FOR PAYMENT OF INTEREST TO CREDIT OF ACCOUNT IN A BANK.\n\nTo the Registrar of Stock,\n\nCommonwealth Bank of Australia, Sydney.\n\n£ \\[Amount of Stock\\] “ ” standing in the name of \\[Full particulars of Account as it stands in the Stock Books\\].\n\nAs the person entitled to the Interest on the above-mentioned sum of Stock \\[I or we\\] hereby request you to pay the Interest due, and to become due, and payable on the said sum of Stock, or on the amount for the time being so standing, until further notice, to \\[state here the bank, and the account to credit of which the Interest is to be placed, and if for transmission to a branch it should be stated\\], whose discharge will be full and sufficient.\n\n\\[Sign here.\\]\n\n```html\n

In the case of joint Stock-holders, or of joint surviving Stock-holders, all must sign; or where all the Stock-holders in joint account arc dead, the executor or administrator, or executors or administrators, as the case may be, of the Stock-holder, in joint account, last deceased, or a properly constituted Attorney, must sign.

\"\"

Date—

19

.

‑‑‑‑‑‑‑‑‑

\n```\n\nL.\n\nCHANGE OF ADDRESS IN CONNEXION WITH INSCRIBED STOCK.\n\nRequest for the Alteration of Permanent Address.\n\n(Date)\n\n(Place)—\\[To include Post Town\\].\n\nSir,\n\nI shall feel obliged by your altering my address in the Books of Record of the Bank from that given above to\n\nI am Sir,\n\nYour obedient Servant,\n\nTo the Registrar of Stock, \\[Sign here.\\]\n\nCommonwealth Bank of Australia, Sydney.\n\nN.B.—If the Stock-holder wishes to alter the address to which Interest Warrants are sent by post, he must use Form “M,” which may be obtained either by personal application at any office of the Bank or by written, application to the Registrar of Stock, Commonwealth Bank of Australia, Sydney. \n\nM.\n\nCHANGE OF ADDRESS IN CONNEXION WITH INSCRIBED STOCK.\n\nRequest For the alteration of an Address to which Interest Warrants ARE SENT BY Post.\n\n| | (Date)— | | 19 | | . | |\n| --- | ------- | --- | --- | --- | --- | --- |\n\nSir,\n\n\\[I or we\\] shall feel obliged by your sending the Warrants for\n\nfuture Interest to \\[insert here the word “me,” or the name of the person, form, or company to whom it has been customary to send the Warrants\\], at \\[the post town must be stated), instead of at\n\n\\[I am, or we are\\], Sir,\n\nYour obedient Servant,\n\n\\[Signature or Signatures.\\]\n\nTo the Registrar of Stock,\n\nCommonwealth Bank of Australia, Sydney.\n\nN.B.—If the Stock-holder wishes his permanent address (i.e., the address of which he is described in the Stock Books as distinct from the address to which warrants are sent) to be altered, he must make his request upon one of the forms provided for the purpose, and which may be obtained either by personal application at any office of the Bank, or by written application to The Registrar of Stock, Commonwealth Bank of Australia, Sydney.\n\nN.\n\nNo.\n\nMEMORANDUM OF TRANSFER OF INSCRIBED STOCK.\n\n```html\n

£

:

:

of the above Stock, trans

This document is valueless either for purposes of Transfer or for Negotiation.

ferred this day from

to

in the Books of Record of

the Commonwealth Bank of

Australia.

Dated this

day of 19 .

Registrar of Stock.

\n```\n\nCommonwealth Bank of Australia,\n\nSydney.\n\n#### O.\n\nAPPLICATION FOR ISSUE OF A FORM OF LETTER OF ATTORNEY.\n\n(For use of Stock-holders.)\n\n(Place)—\n\n(Date)—\n\nSir,\n\nPlease issue a Form of Letter of Attorney for sale of Stock standing in \\[my or our\\] name.\n\nYour obedient Servant,\n\n```html\n

\"\"In the case of a joint account, this must be

signed either by the First Stock-holder,

or failing that, by all the Stock-holders.

The Registrar of Stock,

Commonwealth Bank of Australia,

Sydney.

\n```\n\n \n\nP.\n\nAPPLICATION FOR ISSUE OF A FORM OF LETTER Of ATTORNEY\n\n(For use by Brokers or Agents.)\n\n(Place)—\n\n(Date)—\n\nSir,\n\nPlease issue to \\[me or us) a Form of Letter of Attorney for dealing by way of \\[“Sale” or “Purchase” or “Disposal of Dividends,” at the case may require\\] in Stock inscribed in the name of \\[Full particulars of the account must it stated here\\].\n\nYour obedient Servant,\n\n\\[Signature of Broker or Agent.\\]\n\nThe Registrar of Stock,\n\nCommonwealth Bank of Australia,\n\nSydney.\n\nR.\n\nAPPLICATION FOR DEBENTURES IN LIEU OF INSCRIBED STOCK.\n\n(Place)—\n\n(Date)—\n\n| Sirbeg to apply for the issue of Debentures payable to bearer for £ , under the provisions of the Commonwealth Bank Act 1911, in lieu of Inscribed Stock of the Bank for the same amount now standing in name in the books of the Bank. |\n| --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n\nhave the honour to be, Sir,\n\nYour obedient Servant,\n\n\\[Ordinary Signature of Parties or Brokers.\\]\n\nThe Governor,\n\nCommonwealth Bank of Australia,\n\nSydney.\n\n#### S.\n\nCommonwealth Bank of Australia.\n\n```html\n

STATEMENT OF LIABILITIES AND ASSETS ON THE

DAY OF

191

Liabilities.

Assets.

Deposits

..

..

.. £

Coin, Bullion, and Cash Balances

..

£

Bills Payable and other Liabilities

Australian Commonwealth Notes

..

£

.. £

Money at short call in London

..

£

\n```\n\n \n\nSAVINGS BANK DEPARTMENT.\n\n```html\n

STATEMENT OF LIABILITIES AND ASSETS ON THE

DAY

OF

191

Liabilities

Assets

£

s.

d.

£

s.

d.

Deposits Balances

..

..

Cash at Bankers

..

..

Due by Postmaster-General—

Deposits transit

..

£

Deposits in transit

..

£

Less Withdrawals in transit_______

Less Withdrawals in transit

____

Investment Account

..

..

Advance to General Banking department

Total

..

..

..

£

Total

..

..

£

\n```\n\nSUMMARY OF BUSINESS TRANSACTED DURING QUARTER\n\nENDED 19 .\n\n```html\n

Deposits

Withdrawals

Accounts

Accounts open at this Date.

State.

No.

Amount.

No.

Amount.

Net Result
… crease of Deposits

Opened.

Closed.

Males.

Female.

Friendly societies
& c.

Total.

Depositors' Balance at this Date.

Totals

\n```\n\nT.\n\nAGGREGATE BALANCE-SHEET OF THE COMMONWEALTH BANK OF AUSTRALIA,\n\n```html\n

Liabilities

Assets

£

s.

d.

£

s.

d.

Deposits, Accrued Interest, and Rebate

Coin, Bullion and Cash Balances

..

Bills Payable and other Liabilities

Australian Commonwealth Notes

..

..

Money at short call in London

..

Saving Bank Department—

Investment—

British and Colonial Government

Depositors’ Balances

..

£

Securities

..

..

..

(With Interest accrued)

£

Commonwealth Securities

..

Fixed Deposits of other Banks

..

Capital–Debentures Issued

Bills Receivable in London and

..

Remittances in Transit

..

..

Reserve Fund

..

..

..

Bills Discounted, Loans, and Advances to Customers and other sums

Redemption Fund

..

..

due to bank

..

..

Bank Premises

..

..

..

.

Profit and Loss

..

..

..

Contingent Liabilities

..

..

Liabilities of Customers and Others

Outstanding Credits per Contra

..

on Letters of Credit per Contra

..

£

£

Dr. Profit and Loss.

Cr.

£

s.

d.

£

s.

d.

To Amount from Last Account

..

By—

Losses for Half-year ended

..

Profits for Half-year ended

..

Reserve Fund

..

..

..

Balance carried to next Half-year

Redemption Fund

..

..

£

£

\n```\n\n \n\n```html\n

Dr.

Reserve Fund

Cr.

£

s.

d.

£

s.

d.

To

Balance

..

..

..

By Balance

..

..

..

“ Transfer from Profit and Loss

Account of one-half of the Net

Profits

..

..

..

£

£

Dr.

Redemption Fund.

Cr.

£

s.

d.

£

s.

d.

To

Balance

..

..

..

By Balance

..

..

`

..

“Transfer from Profit and Loss

Account of one-half of the Net

Profits

..

..

..

£

£

\n```\n\n#### U.\n\nCommonwealth Bank of Australia\n\nCLASSIFICATION OF DEPOSITORS’ BALANCES ON 19\n\n```html\n

—

Amount.

No. of Accounts.

Not exceeding £20

..

..

..

..

£

s.

d.

Exceeding £20, but not exceeding

£50

..

..

„

£50

„

£100

..

..

„

£100

„

£150

..

..

„

£150

„

£200

..

..

„

£200

„

£250

..

..

„

£250

„

£300

..

..

„

£300

..

..

..

..

..

Total

..

..

..

\n```\n\nDepositors’ Balances exceeding £300. The total excess at 19 . on which no interest was allowed was £\n\nPrinted and Published for the Government of the Commonwealth of Australia by Albert J. Mullett, Acting Government Printer for the State of Victoria.","sortOrder":0}],"analysis":{"kimi_summary":{"_metrics":{"model":"kimi-k2.5","source":"moonshot-realtime","completionTokens":2131},"content_quality":"ok","complexity_score":6,"scope_assessment":{"changed":false,"description":"As the founding 1913 provisional regulations, this represents the original implementation of the Commonwealth Bank Act 1911. The scope aligns precisely with the Act's intent to establish a national bank, covering banking operations, staff management, and government securities issuance. No expansion beyond the original statutory purpose is evident."},"complexity_factors":["9 defined terms in the interpretation section requiring cross-referencing throughout the document","25 distinct prescribed forms (A through U) with specific completion instructions","Different procedural tracks for customer types: individuals, firms, companies, societies, and local authorities","Nested conditional logic for deceased estates, lost deposit receipts, and power of attorney arrangements","Cross-references to the parent Commonwealth Bank Act 1911 for substantive powers"],"plain_english_summary":"These 1913 regulations set the day-to-day operating rules for the newly opened Commonwealth Bank of Australia under the Commonwealth Bank Act 1911. They governed staff conduct (secrecy, fidelity bonds, pay), how customers and businesses opened and accessed accounts, and how the Bank issued and managed government-backed securities.\n\nThey affected bank employees, depositors, and investors and mattered because they established trust, security, and reporting standards for Australia’s first national bank."}},"importantCases":[],"_links":{"self":"/api/acts/commonwealth-bank-regulations-1913-provisional","history":"/api/acts/commonwealth-bank-regulations-1913-provisional/history","analysis":"/api/acts/commonwealth-bank-regulations-1913-provisional/analysis","conflicts":"/api/acts/commonwealth-bank-regulations-1913-provisional/conflicts","importantCases":"/api/acts/commonwealth-bank-regulations-1913-provisional/important-cases","documents":"/api/acts/commonwealth-bank-regulations-1913-provisional/documents"}}