{"id":"C1916L00072","name":"Commonwealth Bank Regulations, 1915","slug":"commonwealth-bank-regulations-1915","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"repealed","isInForce":false,"actNumber":"72 of 1916","makingDate":null,"administeringDepartment":null,"currentVersion":{"id":20684,"registerId":"commonwealth-C1916L00072-current","compilationNumber":null,"startDate":"2026-04-01","status":"Repealed","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Commonwealth Bank Regulations, 1915","content":"STATUTORY RULES.\n\n1916\\. No. 72.\n\nREGULATIONS UNDER THE COMMONWEALTH BANK ACT 1911-1914.\n\nI, THE GOVERNOR-GENERAL in and over the Commonwealth of Australia, acting with the advice of the Federal Executive Council, hereby make the following Regulations under the Commonwealth Bank Act 1911-1914 to come into operation forthwith. Such Regulations shall supersede the Provisional Regulations (Statutory Rules 1916, No. 4) under the said Act made on the twelfth day of January, One thousand nine hundred and sixteen.\n\nDated this twentieth day of April, One thousand nine hundred and sixteen.\n\nR. M. FERGUSON,\n\nGovernor-General.\n\nBy His Excellency’s Command,\n\nW. G. HIGGS,\n\nTreasurer.\n\nRegulations under the Commonwealth Bank Act 1911-1914.\n\nShort Title.\n\n1\\. These Regulations may be cited as the Commonwealth Bank Regulations, 1915.\n\nInterpretation.\n\n2\\. In these Regulations, unless the contrary intention appears—\n\n“the Act” means the Commonwealth Bank Act 1911-1914;\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“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, but not a Savings Bank Officer as hereinafter defined;\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\n“Superintendent” means, the Officer-in-Charge of the Savings Bank Department of the Commonwealth Bank of Australia in a State:\n\nC.3543.—Price 8d. \n\n“Savings Bank” means the Savings Bank Department of the Commonwealth Bank of Australia;\n\n“Savings Bank business” means the receipt of Savings Bank deposits, re-payment of such deposits, and all business incidental thereto;\n\n“Savings Bank Branch” means an Office at which Savings Bank business is transacted, and at which ledger accounts of depositors are kept;\n\n“Savings Bank Agency” means an Office at which Savings Bank deposits are received and re-paid or received only, but at which ledger accounts of depositors are not kept;\n\n“Savings Bank Officer” means any officer appointed by the Governor to carry on Savings Bank business, and any officer acting as Agent of the Bank in pursuance of Section 52 of the Commonwealth Bank Act 1911-1914 shall come within this definition;\n\n“Savings Bank Year” means twelve months ending on 30th June;\n\n“Month” means calendar month;\n\nWords importing the singular number shall include the plural and conversely;\n\nWords importing the masculine gender only shall include the feminine;\n\nThe reference to forms are references to forms in the schedule.\n\nClassification of Officers.\n\n3\\. The Governor shall classify the Officers and Servants of the Bank, and shall fix their remuneration from time to time.\n\nProbationers.\n\n4\\. Every probationer, on joining the service of the Bank, shall be required to sign “Probationary Articles of Agreement” and a “Declaration of Secrecy,” and 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\nOfficers.\n\n5\\. Every officer, on his admission to the service of the Bank, shall be required to sign “Articles of Agreement” and ‘‘Declaration of Secrecy.”\n\nDuty of Secrecy.\n\n6\\. No officer, probationer, or Savings Bank 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 or on the order of 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\n7\\. (1) The Governor may provide for a Superannuation Fund and 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\n8\\. The Governor may, from time to time, when he considers it necessary or expedient, delegate any or all of the powers or authorities conferred upon him by these Regulations to the Deputy-Governor Inspector, Branch Manager, Superintendent, or such other officer as he thinks fit.\n\nLegal Proceedings.\n\n9\\. 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\nAuthorities.\n\n10\\. (1) It shall not be incumbent on the Bank to examine any deed, articles, or rules of any firm, company, society, local authority, club, or body, to ascertain that the method specified in any authority as the method in which the account of the firm, company, society, local authority, club, or body is operated upon is in accordance with such deed, articles, or rules, and the Bank shall not be responsible in any way if such deed, articles, or rules are in any way contravened.\n\n(2) When an account is to be operated upon 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\nAddresses of Customers.\n\n11\\. Notice of any change in the address of any customer of the Bank should be given by the customer to the Bank as soon as reasonably may be after the change has taken place.\n\nDecease of Customers.\n\n12\\. (1) In the event of the death of a customer, no further withdrawal of funds shall be permitted except by the deceased’s personal representatives, after production of probate or letters of administration, unless the Governor otherwise directs.\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 formal notice of his death.\n\nQuarterly Statements of Assets and Liabilities, &c.\n\n13\\. 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\n14\\. The balance-sheet, to be prepared in accordance with Section 20 of the Act shall be made up as on 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\n15\\. A return, called the Classification of Depositors’ Balances, in the Form “U,” shall be supplied by the Governor to the Treasurer as for the 30th June in each year.\n\nDebentures.\n\n16\\. (1) The Governor may, from time to time, with the approval of the Treasurer, sell, or otherwise deal with debentures, or cause them to be sold or otherwise dealt with, in the Commonwealth, England, and elsewhere.\n\n(2) Debentures shall be payable as to principal and interest at such place or places as the Governor from time to time decides, and 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\nCommonwealth Bank of Australia.\n\nNo........£.\n\nThis Debenture is issued by the Commonwealth Bank of Australia, in pursuance of the Commonwealth Bank Act 1911-1914, 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\n(а) 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\n(b) Interest will be repayable half-yearly on the................day of…………………….and the…………..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\n(c) The principal sum of £.............will be paid to the bearer hereof between the……………..day of………19…….and the…………..day of………19….., such date of payment to be fixed in the following manner:—\n\n(d) The Bank to have the right to pay such principal sum on the…………………..19……(ten years after date of issue) on giving not less than twelve months’ prior notice of its intention so to do in the manner prescribed. If such notice is not given, this Debenture to remain current for a further period of ten years, being then repayable on not less than twelve months’ prior notice being given in the manner prescribed. If such notice is not given, this Debenture to remain current for another period of ten years, and so on in even periods of ten years until the \n\nfinal date of maturity is reached, or the principal sum paid, whichever first occurs. Subject in all cases to twelve months’ previous notice of intention to pay being given in the prescribed manner.\n\n(e) Notice of intention to pay the principal sum shall be given by advertisement in the Commonwealth Government Gazette, and in at least one daily newspaper published 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\n(f) The delivery to the Bank of this Debenture, and each of the coupons, shall be a good discharge for the principal moneys and interest therein respectively specified.\n\nDated this..................................................................day of……………………………….19...\n\nSignature of Governor or Deputy Governor of the 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, on the same terms and conditions as to payment and otherwise, 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 Debenture 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\nTransfer.\n\n17\\. (1) Application for transfer of Inscribed Stock from one person to another shall be made in accordance with Form “V.”\n\n(2) The transfer and acceptance shall be in accordance with Form “W,” and shall be fully signed (and in the case of a Corporation, properly sealed), by both the transferror and transferee, who shall both be notified, in accordance with Form “N.1” and “N.2” respectively, of the completion of the transaction. In the case of a joint account, it will be sufficient if the first inscribed owner is so notified.\n\n(3) No transfer will be permitted in a sum less than Ten pounds sterling.\n\nInterest.\n\n18\\. (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 \n\nfrom 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 may be retained by the Bank; or\n\nTo any person, firm, or company, duly authorized, 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 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 may 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 is or 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 indorsed 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 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 upon 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 or recognise it until after 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 destination. 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 an account in a Bank, will, unless cancelled in writing, remain in force although the Stock may have been added to or a part sold.\n\n(9) Interest on stock inscribed in the name of an infant, or in the name of a person of unsound mind, jointly with others not under legal disability, may be paid as directed by the holders, other than those under disability, and without the concurrence of the infant or person of unsound mind, upon such proof as the Governor may require being lodged with the Bank.\n\n(10) The Bank shall not be bound by or recognise any trust, and the registered holder or holders, shall be deemed the beneficial owner or owners, notwithstanding any trust, or equity, or any other notice thereof to the Bank.\n\n(11) Forms “L” or “M” should be used when notifying any change of address.\n\n(12) Forms “O” or “P” should be used for application for issue of a form of letter of attorney.\n\nLetters of Attorney.\n\n19\\. Letters of Attorney for the purpose of Inscribed Stock may be in accordance with Form “B” or “F” as the case requires, and should 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\nTransmission.\n\n20\\. If any stock has become transmitted in consequence of death, bankruptcy, or insolvency, of any holder, or for any other reason, the application for transmission shall be authenticated in such manner as the Governor may require, and should be verified by Probate of Will, Letters of Administration, or an office copy of the adjudication or order of sequestration, or vesting order, as the case may be, or in such other manner as the Governor may require. Probates and Letters of Administration and other documents should 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\n21\\. (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\nGeneral Banking Business Regulations.\n\n22\\. (1) The Bank shall be open for the transaction of general banking business at such time and at such places as the Governor directs.\n\n(2) The Bank may, 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;\n\n(j) Establish and conduct safe deposits;\n\n(k) Give guarantees and indemnities;\n\n(l) Act as Trustee or Agent, and act as Agents for the Inscription and Registration of Stock; and\n\n(m) 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\n23\\. (1) Individuals.—Any person wishing to open a current or fixed deposit account with the bank may be required—\n\n(a) To furnish the Bank with full information regarding his name, occupation, and address;\n\n(b) To furnish a specimen of his signature;\n\n(c) 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 may 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 furnish specimen signatures of all the partners or proprietors;\n\n(c) To give the Bank an authority prescribing who shall operate on the account; and\n\n(d) To give 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 may 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 may 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;\n\n(c) Any further information which the Bank requires.\n\nIssue of Bank Cheques.\n\n24\\. Unless the Governor otherwise directs, no cheques shall 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, a “Bank Cheque” may be issued, signed by two officers of the Bank.\n\nFixed Deposit Receipts.\n\n25\\. (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) Acquittance for Cash or Transfer.—An acquittance by way of cheque may be required for all fixed deposits, and also for interest thereon. A cheque or other specific authority may be required 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\n26\\. In the event of the death of a fixed depositor, the money shall not be withdrawn 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 Deposits.\n\n27\\. When a fixed deposit is renewed, a new receipt shall be issued with a new number.\n\nFixed Deposit Receipts—Lost.\n\n28\\. 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, and may require an indemnity in accordance with or to the effect of the following form, or any other security 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 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\n…………………………………\n\nSignature of the receiver of the money.\n\n(2) Where the law so requires the indemnity and receipt should be duly stamped by the persons executing them, but the absence of such a stamp shall not affect the validity of the document, or the rights of the Bank thereunder.\n\nSavings Bank Department Regulations.\n\nOffice Hours for Transaction of Savings Bank Business.\n\n29\\. The Branches and agencies of the Savings Bank shall be open for the transactions of Savings Bank business on such days and during such hours as may be directed by the Governor.\n\nBy Whom Deposits May be Made.\n\n30. General Description of Depositors.—Deposits may be made by and in the name of—\n\n(a) A person of full age;\n\n(b) A married woman;\n\n(c) An infant;\n\n(d) A trustee or trustees upon the Bank being satisfied as to the bona fides of the trusteeship;\n\n(e) A local authority, friendly society, co-operative society, other society, or club. In this connexion the term “other society” may include hospitals, charitable institutions, penny savings banks, school committees, and religious, social, or political bodies, but not any body or company engaged in or formed for the purpose of trading and acquiring pecuniary profit for distribution to shareholders. \n\nJoint Accounts.\n\n31\\. Deposits may be made in the joint names of two or more persons entitled to make a deposit. When the depositors desire to operate severally or desire certain of their number in whose names the account is opened or any other person or persons, to operate thereon, an authority prescribing who shall operate on the account may be required. In the event of death of one or more of the depositors, the account will vest in the survivors or survivor. The Governor may require such proof of death as he considers necessary.\n\nOpening Accounts.\n\n32\\. No person shall have more than one account in his own name with the Savings Bank, except as a Trustee, nor shall any person be a party to more than one joint account unless the Governor otherwise directs. When a person desires to open more than one account as a trustee for some other person, the signature of the cestui que trust may be required before any repayment is made. See Regulation 46 (b). Provided the Governor may direct that no deposit shall be received from any person whom he may deem it inexpedient to admit or continue as a depositor and that any deposit made by such person may be returned to him.\n\nOpening Accounts at Savings Bank Branches or Agencies.\n\n33\\. Any person applying at a Savings Bank Branch or Agency to open an account may be required—\n\n(a) To furnish a specimen of his signature;\n\n(b) To fill in and sign necessary forms;\n\n(c) To furnish any further information which the Bank requires;\n\n(d) To receive from the Bank the pass-book or interim receipt showing amount of deposits, and the receipt of such passbook or interim receipt shall be deemed to be an acknowledgment that the depositor has notice of the Act and Regulations, for the time being, which Act and Regulations relevant to Savings Bank business, may be inspected at the Head Office or any branch or agency of the Bank.\n\nDepositors who Cannot Write.\n\n34\\. If a depositor cannot write, he must affix his mark thus; —\n\n```html\n

JOHN

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\n```\n\nrequired to furnish a keyword when opening an account, which word shall be given by the person presenting the pass book whenever a withdrawal is being made from such account. The signature of a foreigner which is unintelligible, (such as that of an Asiatic) will be treated as that of a marksman.\n\nDeposits made by Females.\n\n35\\. When a deposit is made by a female, she may be required to state whether she is married or single. When a depositor changes her name by marriage, she will be required to give notice thereof to the Savings Bank. \n\nDeposits on behalf of Infants.\n\n36\\. When an account is opened by a relative or other person on behalf and in the name of an infant, the prescribed form may be signed by such relative or other person, and so soon as such infant attains the age of twelve years, and is able to write, he shall furnish a specimen of his signature on the form provided for that purpose, and be identified to the satisfaction of the Bank.\n\nAccounts Opened by Proxy.\n\n37\\. Any person may open an account without personally attending at a Savings Bank Branch or Agency for that purpose, but the Bank may withhold the pass-book and refuse to authorize withdrawals from the account until a specimen signature on the proper form, made by the depositor himself, and witnessed by the proxy or other approved person is received at the Savings Bank Branch or Agency.\n\nAccounts Opened by Post.\n\n38\\. Any person may open an account by post by communicating direct to the Savings Bank Branch or Agency at which he desires the account to be opened. The amount to be deposited should be sent by registered letter prepaid, accompanied by two specimen signatures of the depositor, and full particulars, respecting his name, occupation, and address.\n\nLocal Authority, Friendly Society, Co-operative Society, other Society or Club.\n\n39\\. Any friendly society, local authority, co-operative society, other society, or club, as defined in Regulation No. 30 (e) by its treasurer or other officer or officers, may deposit with the Savings Bank any funds of such friendly society, local authority, co-operative society, other society, or club. The trustee, treasurer, or other officer or officers shall furnish:—\n\n(a) The name and address of the responsible officer to whom communications from the Savings Bank are to be addressed;\n\n(b) Specimen signatures of such officers as have been authorized to sign withdrawal forms, and an authority prescribing who shall operate on the account;\n\n(c) Any further information or authorities which the Bank may require.\n\nWhen any change is made in the personnel of such officer or officers authorized to sign withdrawal forms, a proper notification, and, if necessary, a fresh authority shall be given to the Bank.\n\nNotwithstanding anything in these Regulations, the Bank may receive deposits and pay withdrawals on such accounts, with or without production of the pass-book.\n\nPass-Books.\n\n40\\. When an account is opened at a Savings Bank Branch a passbook will be issued at once to depositor, except as provided in Regulation No. 37. When an account is opened at a Savings Bank Agency, an interim receipt will be issued at once to the depositor. On receipt of advice from the Savings Bank Agency at the Branch to which the agency is attached, a pass-book showing the amount deposited will be despatched by post to the address given by the depositor. \n\nIn all transactions which a depositor may subsequently have with the Savings Bank—whether depositing, withdrawing or closing the account—the Bank may require production of the pass-book.\n\nDepositors are requested to examine their pass-books every time an entry is made therein before leaving the counter.\n\nTo prevent forgeries and frauds, depositors are requested to keep their pass-books locked up when not being used, and any case of tampering with the figures or initials coming under the notice of depositors, officers, or Savings Bank Officers, should be at once reported to the Governor. The Bank shall not be responsible for the consequence or any neglect to keep the pass-book under proper control.\n\nThe form of pass-book to be issued to any friendly society, local authority, co-operative society, other society, or club shall be such as the Governor may from time to time direct.\n\nLoss of Pass-Book.\n\n41\\. In case any depositor shall lose his pass-book, he will be required:—\n\n(a) To give immediate notice in writing thereof to the Savings Bank Branch where the ledger account is kept, or Agency where the account was opened;\n\n(b) To make a statutory declaration of his loss in the form provided;\n\n(c) To satisfy the Bank as to his identity;\n\n(d) To give the Bank a satisfactory indemnity in respect of the lost pass-book.\n\nThe Bank may within fourteen days from date of notice, issue to such depositor another pass-book, which shall contain an entry showing the depositor’s balance at credit as last recorded in the ledger, such entry to bear the initials of a responsible officer .\n\nInterest on Deposits.\n\n42\\. Interest will be allowed on the balance to credit of a depositor on such terms and at such rates per centum per annum as the Governor may from time to time declare, provided that no interest will be allowed on any sum less than one pound nor on any sum in excess of such limitation of amount as the Governor may from time to time decide.\n\nWithdrawals.\n\n43\\. The Governor may require such notice of withdrawal as he may consider necessary, but he may, if he deems fit, authorize the presentation of the withdrawal form to be accepted as sufficient notice of withdrawal.\n\nProcedure of Making Withdrawals.\n\n44\\. Any depositor wishing to withdraw the whole or any part of the sum deposited may be required:—\n\n(a) To fill in and sign a proper withdrawal form;\n\n(b) To present the withdrawal form (personally or by deputy) with the pass-book, if required, to the Bank. If in order, the amount will be paid and the entry attested in the pass-book.\n\nIf a depositor wishes his account to be operated upon by one or more persons other than himself, an authority must be given on the proper form. \n\nThe officers of the Savings Bank shall diligently endeavour to prevent fraud, and to identify every depositor transacting business with the Savings Bank; but in case any person presenting a depositor’s passbook, and producing a withdrawal form purporting to bear the signature of the depositor, or stating himself to be the depositor named therein, shall unlawfully obtain any deposit or sum of money from the Savings Bank during the hours of business, the Commonwealth Bank of Australia shall not be responsible for the loss so sustained by such depositor, nor be liable to make good the same.\n\nPersons Unable to Write.\n\n45\\. If a depositor cannot write, the proper withdrawal form may be filled in by another person, but the depositor must affix his mark in the space provided for the signature, and such mark must be witnessed. When the withdrawal form is presented for payment, the person presenting such form must, if required, furnish the keyword given when opening the account.\n\nTrustees.\n\n46\\. The Governor may:—\n\n(a) Require proof of death to his satisfaction in cases where a withdrawal form is presented signed by the survivor or survivors of the trustees authorized to sign withdrawal forms;\n\n(b) Require the signature of the cestui que trust in addition to the trustee or trustees;\n\n(c) Allow an alteration in the title of the account by substituting a new name for the name of an existing or deceased trustee;\n\n(d) Enter the account in the name of the person on whose behalf the deposits are made.\n\nWithdrawals at Savings Bank Branches.\n\n47\\. At a Savings Bank Branch where a depositor’s ledger account is kept, such depositor may withdraw any sum up to the amount standing to the credit of his account, but he may be required to give notice of the withdrawal. At a Savings Bank Branch where a depositor’s ledger account is not kept, such depositor may withdraw on demand such sum as the Governor may determine, provided his specimen signature is recorded at the Branch where he wishes to make the withdrawal or such other evidence of identification that may be required is supplied. The Governor may authorize Branches to obtain verification of depositors’ balances by telegraph for the whole or such portion of the balance at credit of a depositor as the Governor may determine in any of the following ways:—\n\nApplication to withdraw by post with reply by telegraph.\n\nApplication to withdraw by telegraph with reply by telegraph.\n\nApplication to withdraw by telegraph with reply by post.\n\nWithdrawals at Savings Bank Agencies.\n\n48\\. At a Savings Bank Agency where withdrawals are paid a depositor may withdraw on demand up to £10 on any one day, or such other amount as the Governor may determine, provided his specimen \nsignature is recorded at the Agency where he wishes to make the withdrawal, but no further sum shall be withdrawn until sufficient time has been given to enable the pass-book balance to be verified by reference to the ledger account. A depositor wishing to withdraw a sum in excess of £10, or such other amount as the Governor may determine, may do so by giving notice of withdrawal as may be required.\n\nShould the depositor so desire, the Savings Bank Officer may telegraph to the Savings Bank Branch or Central Office where the ledger account is kept, any out of pocket expenses being borne by the depositor; and the Savings Bank Branch or Central Office may authorize by telegraph amounts for payment under such limitations as the Governor may determine.\n\nIf a depositor wishes to make a withdrawal at a Savings Bank Agency other than that at which his specimen signature is registered, he may be required to give notice of all amounts before payments can be made to admit of advice being received from the office where his account is kept; but if he can be identified to the complete satisfaction of the Savings Bank Officer, he may, at the discretion of such Officer, withdraw on demand any sum not exceeding Five pounds (£5 ) or such other amount as the Governor may determine, but no further sum shall be withdrawn until sufficient time has been given to enable the passbook balance to be verified by reference to the ledger account.\n\nIn such cases, if the depositor wishes to withdraw more than £5, or such other amount as the Governor may determine, and the depositor so desires, the withdrawal form may be sent by post to the Savings Bank Branch for verification, but the necessary return advice may be obtained by the Savings Bank Officer by telegraph, provided any necessary cost is paid by the depositor, and evidence of identification is given to the complete satisfaction of the Savings Bank Officer.\n\nIn urgent cases, any sum not exceeding £10 or such other sum as the Governor may decide may be withdrawn by telegraph upon the depositor proving his identity and complying with the regulations, but no depositor may so withdraw by telegraph oftener than once in three days.\n\nIn all cases where amounts are withdrawn under telegraphic advice, any necessary cost shall be payable by the depositor.\n\n49\\. Nothing in these regulations shall give any depositor the right to withdraw at a Savings Bank Agency which acts as a Receiving Office only, and where withdrawals are not dealt with.\n\nWithdrawals by Post.\n\n50\\. Withdrawals may be made by post at the depositor’s direction and at his risk.\n\nIn such cases the depositor may be required:—\n\n(a) To complete and sign the proper withdrawal form;\n\n(b) To forward this withdrawal form and the pass-book by prepaid letter addressed to the Savings Bank Branch where his ledger account is kept.\n\nThe cost of forwarding will be deducted from the amount of the withdrawal. \n\nTransfer of Account from one Savings Bank Branch or Agency to Another.\n\n51\\. A depositor may have his account transferred from one Savings Bank Branch or Agency to another on complying with the necessary conditions.\n\nExchange on Deposits and Withdrawals.\n\n52\\. Depositors may be required to pay exchange on all amounts transferred or remitted from one point to another, either by way of deposit or withdrawal, at such rates of exchange as the Governor may from time to time determine.\n\nPayment after Death out of Deposits not exceeding £100.\n\n53\\. All claims for money of deceased depositors, the amount of which does not exceed £100, inclusive of interest, should be made in writing and addressed to the Branch where the depositor’s account was kept.\n\nIn support of the claim the Governor may require:—\n\n1\\. A certified copy of the register of death;\n\n2\\. If the deceased was married, certificate of marriage;\n\n3\\. If deceased was a widow or widower, a complete list of the surviving children (if any), with their respective ages and addresses, and if no children, or if the deceased was unmarried, then a list of the surviving next-of-kin with all particulars.\n\nDeposit Books to be Produced for Inspection.\n\n54 Each depositor shall produce his Savings Bank deposit book to the Bank for examination and verification with the books of the Bank at such times and places as the Governor from time to time appoints.\n\n \n\nThe Schedule.\n\nA.\n\nProvisional Receipt No.\n\nCertificate of Inscription. No.\n\nAPPLICATION FOR “INSCRIBED STOCK.”\n\n(A Separate Form must be used for each parcel of Stock.)\n\n(Place)—\n\n(Date)—\n\nSir,\n\n| ￡ : : | beg to apply for the issue of pounds of Inscribed Stock under the provisions of the Commonwealth Bank Act 1911-1914 in lieu of Debentures of the Bank for the same amount, and which are forwarded herewith. |\n| ----- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |\n| | The Stock is to be inscribed in the name given in the Schedule below. |\n\nhave the honour to be,\n\nSir,\n\nYour obedient Servant,\n\n![](image.001.png)(Ordinary Signature of\n\nparty or parties, or\n\nof Broker)\n\nThe Registrar of Stock,\n\nCommonwealth Bank of Australia,\n\nSydney.\n\n——\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\n\\* Must be stated in full; this is essential.\n\nTrusts will not be recognised.\n\nB.\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\nSir,\n\n| ￡ : : | I beg to apply for the issue of pounds of Inscribed Stock, under the provisions of the Commonwealth Bank Act 1911-1914, in lieu of Debentures of the Bank for the same amount, and which are forwarded herewith. |\n| ----- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n\nThe 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\nI have the honour to be, Sir,\n\nYour obedient Servant,\n\nSignature of Secretary, Manager,\n\nor other authorized Officer—\n\nThe Registrar of Stock,\n\nCommonwealth Bank of Australia, Sydney. \n\nC.\n\nPROVISIONAL RECEIPT.\n\n(To be exchanged for Certificate of Inscription.)\n\nCommonwealth Bank of Australia,\n\nSydney, 19\n\n| Received fromDebentures for the sum ofto be exchanged for Stockamount and to be inscribed | This Receipt must be handed in to the Bank at Sydney to be exchanged for a Certificate of Inscription. | poundsof the Bank for the samein the name of |\n| ----------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------ | -------------------------------------------- |\n\nRegistrar of Stock\n\nD.\n\nCERTIFICATE OF INSCRIPTION.\n\n(Under the Commonwealth Bank Act 1911-1914.)\n\n```html\n

No.

This is to certify that, pursuant to

Bank Act 1911-1914, there hath been

of

Commonwealth Bank of Australia,

is this day inscribed in the Books of

the said Stock.

The Certificate is neither transferable

only as evidence of the Inscription

Dated at the Bank, Sydney, this

This certificate is valueless either for the purposes of Transfers or for Negotiation.

the provisions of the Commonwealth

issued to

pounds of Inscribed Stock of the

and that the name of the said

Record of the Bank as the holders of

nor negotiable, and is issued

of the Stock at the date hereof.

day of 19 .

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\nKnow 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 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 Registrar of Stock of 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\nday of , in the year of our Lord One thousand nine hundred and\n\n| Signed by the saidin 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\n\\*\\*\\* You 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 should be Strictly Observed.\n\nThe date to be inserted at the time of execution in words at length, and not 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” 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\n———\n\nF.\n\nPOWER OF ATTORNEY TO PURCHASE INSCRIBED STOCK FROM AN EXISTING STOCK-HOLDER.\n\nKnow all Men by these Presents that I, , of , 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 Registrar of Stock of 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\nIn witness whereof I have hereunto set my hand at this day of , in the year of our Lord One thousand nine hundred and\n\n| Signed by the saidin the presence ofofandof | |\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\n\\*\\*\\* You 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 should 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 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 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, 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 the 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 Registrar of Stock of 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\nday of , in the year of our Lord One thousand nine hundred and\n\n| Signed by the saidin 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\n\\*\\*\\* You 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 should 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 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£ \\[Amount of Stock\\] “ ” standing in the name of \\[Full particulars of Account as it stands in the Stock Books\\].\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| Signature of Stock-holder 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. | |\n| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | --- |\n| Dated , 19 | |\n| | |\n\n——\n\nI.\n\n(Two or more Signatures.)\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 of \\[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| This form must be signed by all 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-holders, in joint account, last deceased, or by a properly constituted Attorney, as the case may be. | | [Signatures.] |\n| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --- | ------------- |\n| Date— 19 | | |\n| | | |\n\n——\n\nJ.\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£ \\[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\ndue and payable on the above-mentioned sum of Stock, or on the amount for the time being so 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 according with the Minute, Resolution, Articles of Association, or Statutes, regulating the use of the seal of the Corporate Body.\n\n——\n\nK.\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\\]. As 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![](image.007.png)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 are 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.\n\nDate— 19 .\n\n——\n\nL.\n\nCHANGE OF ADDRESS IN CONNEXION WITH INSCRIBED STOCK.\n\nRequest for the Alteration of Permanent Address.\n\n(Date) 19 .\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\n\\[Sign here.\\]\n\nTo the Registrar of Stock,\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 should 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\nSir,\n\n\\[I or we\\] shall feel obliged by your sending the Warrants for future Interest to \\[insert here the word “me”, or the name of the person, firm, 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 should 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\n——\n\nForm N-1.\n\nCommonwealth Bank Inscribed Stock.\n\nNOTICE TO TRANSFEROR.\n\nNo.\n\nDate\n\nTo\n\n| I beg to inform you thatofof Stock has been inscribed inFolio | This document is valueless either for purposes of Transfer or for Negotiation. | in accordance with your application19poundsthe name ofRegistrar. |\n| ------------------------------------------------------------- | ------------------------------------------------------------------------------ | ---------------------------------------------------------------- |\n\nTo be printed on back.\n\nUnless otherwise instructed, the Registrar will forward by post an Interest Warrant to the registered address of the owner, or of the owner whose name is first inscribed in a joint account, on each due date. If the Warrant is not received on the correct day, notice should be sent to the Registrar without delay.\n\nIf requested, the Registrar will pay the Interest to a Banking Account (except a Savings Bank Account), or to another person.\n\nAny change of address of the owner of Stock, or of the person to whom Warrants are sent, should be notified at once to the Registrar. When any such notification (which should state the name and amount of the Stock) reaches the Registrar less than three clear days before the next Interest is due, the Registrar cannot undertake to record it until after the payment of such next Interest.\n\nUpon application to the Registrar. Stock may be exchanged for Debentures upon payment of the prescribed fee. Stock can only be inscribed in multiples of £10. \n\nForm N-2.\n\nCommonwealth Bank Inscribed Stock.\n\nNOTICE TO TRANSFEREE.\n\nNo.\n\nDate\n\nTo\n\n| I beg to inform you thatacceptance ofof Stock has been inscribed inFolio | This document is valueless either for purposes of Transfer or for Negotiation. | in accordance with your19poundsthe name ofRegistrar. |\n| ------------------------------------------------------------------------ | ------------------------------------------------------------------------------ | ---------------------------------------------------- |\n\nTo be printed on back.\n\nUnless otherwise instructed, the Registrar will forward by post an Interest Warrant to the registered address of the owner, or of the owner whose name is first inscribed in a joint account, on each due date. If the Warrant is not received on the correct day, notice should be sent to the Registrar without delay.\n\nIf requested, the Registrar will pay the Interest to a Banking Account (except a Savings Bank Account), or to another person.\n\nAny change of address of the owner of Stock, or of the person to whom Warrants are sent, should be notified at once to the Registrar. When any such notification (which should state the name and amount of the Stock) reaches the Registrar less than three clear days before the next Interest is due, the Registrar cannot undertake to record it until after the payment of such next interest.\n\nUpon application to the Registrar, Stock may be exchanged for Debentures upon payment of the prescribed fee. Stock can only be inscribed in multiples of £10.\n\n——\n\nO.\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![](image.008.png)In the case of a joint account, this must be signed either by the First Stock-holder, or, failing that, by the Stockholders.\n\nThe Registrar of Stock,\n\nCommonwealth Bank of Australia,\n\nSydney.\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”, as the case may require\\] in Stock inscribed in the name of \\[Full particulars of the account must be 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\nSir,\n\nbeg to apply for the issue of Debentures payable to bearer for £ , under the provisions of the Commonwealth Bank Act 1911-1914, in lieu of Inscribed Stock of the Bank for the same amount now standing in name in the books of the Bank.\n\nhave the honour to be, Sir,\n\nYour obedient Servant,\n\n\\[Ordinary Signature of Parties or Brokers.\\]\n\nThe Registrar of Stock,\n\nCommonwealth Bank of Australia,\n\nSydney.\n\n——\n\nS.\n\nCommonwealth Bank of Australia.\n\nSTATEMENT OF LIABILITIES AND ASSETS ON THE DAY OF\n\n19\n\n```html\n

Liabilities.

£

s.

d.

Assets.

£.

s.

d.

Deposits..................

Gold, Bullion, and Cash Balances....... Australian Notes

Bills Payable and other Liabilities..

Money at short call in London.........

Savings Bank Department—

Investments—

British, Colonial and Government Securities (Face Value £ )

Depositors’ Balances........

Fixed Deposits of other Banks........

Bills Receivable, Bills Discounted, Loans and Advances to Customers, and other sums due to the Bank

Bank Premises..................

Reserve Fund...............

Redemption Fund............

Total.............£

Total...............£

\n```\n\nCommonwealth Bank of Australia.\n\nSavings Bank Department.\n\nSUMMARY OF BUSINESS TRANSACTED DURING QUARTER ENDED 19\n\n```html\n

State.

Deposits.

Withdrawals.

Net Result...crease in Depositors’ Balances.

Interest credited to Depositors’ Accounts.

Accounts.

Accounts open at this Date.

Depositors’ Balance at this Date.

No.

Amount.

No.

Amount.

Opened.

Closed.

Males.

Females.

Friendly Societies, &c.

Total.

Totals

\n```\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......

Australian Notes.................

Bills Payable and other Liabilities.....

Money at short call in London........

Investments—

Savings Bank Department—

British, Colonial, and Government

Depositors’ Balances.......£

Securities (Face Value £ )

(With Interest accrued).....£

Commonwealth Government Securities (Face Value £ ) ..

Fixed Deposits of other Banks......

Capital—Debentures Issued.........

Bills Receivable in London and Remittances in Transit .. ..

Reserve Fund...................

Redemption Fund................

Bills Discounted, Loans, and Advances to Customers, and other sums due to the Bank

Bank Premises..................

Contingent Liabilities.............

Outstanding Credits per Contra......

Liabilities of Customers and Others on Letters of Credit per Contra

£

£

T.

Dr.

Profit and Loss.

Cr.

£

s.

d.

£

s.

d.

To Reserve Fund.................

By–

Redemption Fund.............

Profits for Half-year ended.......

_

£

£

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\nU.\n\nCommonwealth Bank of Australia.\n\nSavings Bank Department.\n\nCLASSIFICATION OF DEPOSITORS’ BALANCES ON 30th JUNE, 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..............................

Business in Transit

Total...........................

\n```\n\nThe total amount at 30th June, 19 , on which no interest was allowed was £ .\n\n \n\nForm V.\n\nNo. of Transfer:—\n\nCommonwealth Bank Inscribed Stock.\n\nAPPLICATION FOR TRANSFER.\n\nTo the Registrar of Stock,\n\nCommonwealth Bank of Australia,\n\nat Sydney.\n\nPlease have the undermentioned Transfer of Commonwealth Bank Inscribed Stock prepared.\n\nFrom\n\nwho resides at\n\nand is a\n\npounds Commonwealth Bank Inscribed\n\nStock to\n\nwho resides at\n\nand is a\n\n(Signature)—\n\n(Address)—\n\n(Date)— 191 .\n\nWitness—\n\n\\[Insert full names, addresses, and occupations.\\]\n\nN.B.—This form should be signed by the proprietor of the Stock or his authorized agent. Insert full name, address, and occupation.\n\nW.\n\nNo.\n\nCommonwealth Bank Inscribed Stock.\n\nACCEPTANCE AND TRANSFER.\n\n| Stock Ledger Fol.Stock Ledger Fol.Entered.ExaminedStock-holdersidentified by | I/We hereby assign and transfer unto his/their executors, administrators, or assigns, the sum of..............................................................................pounds Commonwealth Bank Inscribed Stock, and all my/our property and interest in and right to the same, and to the interest accrued thereon. |\n| ---------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n\nAs witness hand this day of 19 .\n\nWitness—\n\nI/We hereby accept the Stock mentioned above transferred into my/our name.\n\nWitness—\n\n..............................................................\n\nThe witness must be a Justice of the Peace, Commissioner for Affidavits, Commissioner for Declaration, or Notary Public.\n\nPrinted and Published for the Government of the Commonwealth of Australia by Albert J. Mullett, Government Printer for the State of Victoria.","sortOrder":0}],"analysis":{"kimi_summary":{"_metrics":{"model":"kimi-k2.5","source":"moonshot-realtime","completionTokens":2556},"content_quality":"ok","complexity_score":6,"scope_assessment":{"changed":false,"description":"The regulations comprehensively implement the Commonwealth Bank Act 1911-1914 without expanding beyond its statutory authority. They cover general banking, savings bank operations, and government securities issuance exactly as contemplated by the parent Act."},"complexity_factors":["54 regulations plus 22 prescribed forms in the Schedule, each with specific execution requirements","18 defined terms in the Interpretation section (Regulation 2), including distinct categories for 'Savings Bank Branch' vs 'Savings Bank Agency'","Layered withdrawal rules for Savings Bank depending on location (Branch with ledger, Branch without ledger, Agency, or Receiving Office only) and amount (ranging from £5 to £10 limits without prior notice)","Intricate conversion mechanics between bearer debentures and registered inscribed stock, including 10-year renewal cycles and 12-month notice periods for repayment","Multiple authorization layers (Governor, Deputy Governor, Treasurer, Branch Managers, Superintendents) with delegated powers","Specific attestation requirements for legal documents (powers of attorney, transfers) including witness qualifications and anti-fraud measures for illiterate customers"],"plain_english_summary":"These 1916 regulations put the Commonwealth Bank’s and its Savings Department’s day-to-day rulebook into law, governing staff conduct, how ordinary and business accounts are opened and managed, protections for small savers (including illiterate customers), and the issuance, transfer and interest mechanics for government-backed debentures and inscribed stock. \n\nThey also require regular financial reporting to the Treasurer—translating the Commonwealth Bank Act into practical safeguards for public funds and accessible, standardized banking."},"flash_summary":{"complexity_score":6,"scope_assessment":{"changed":false,"description":"These Regulations implement and operationalise the Commonwealth Bank Act 1911–1914 rather than extend substantive statutory powers. They add procedural requirements, documentary and identification conditions, and significant discretion for the Governor (see Regs 8,22), but do not purport to broaden the Bank’s statutory scope beyond the Act."},"complexity_factors":["Wide subject coverage: governance, staffing, secrecy, securities, savings accounts, payments, reporting and funds (Regs 2,3,6,16–21,22,29–55, Schedules S,T,U).","High administrative detail and many prescribed forms and standard letters in the Schedule (Forms A–W, S, T, U).","Extensive executive discretion vested in the Governor to decide terms, fees, limits and delegation (Regs 8,13,16(2),22,23,27,48).","Detailed identification, documentation and verification requirements for customers, trustees, proxies and attorneys that create compliance burden (Regs 11,23,30–38,19,20,37).","Complex securities mechanics for debentures and inscribed stock: issuance, conversion, coupons, inscription, transfer, and redemption procedures (Regs 16–21,17–21; Forms C–R,V,W).","Operational constraints and conditional payment rules (e.g. interest warrants, strike dates, branch limits, telegraphic payments) that affect liquidity and service delivery (Regs 18(2)–(9),25,47–49).","Contingency and indemnity provisions that shift risk or require customer indemnities and bonds (Regs 4,6,12,28,41,53).","Reporting and accounting obligations with specified periodic returns and balance‑sheet formats (Regs 13–15, Schedule S,T,U).","Interaction with external legal processes (probate, letters of administration, bankruptcy) requiring documentary proof before transmission or payment (Regs 12,20,26,53).","Potential for uneven application across branches/agencies due to delegated powers and locally set limits (Regs 8,22,29,47–48)."],"plain_english_summary":"*These Regulations prescribe the detailed, day‑to‑day rules by which the Commonwealth Bank must operate under the Commonwealth Bank Act 1911–1914.* They set governance and secrecy rules, delegate authority, prescribe how debentures and inscribed stock are issued, transferred and paid, and lay out precise Savings Bank account, deposit, withdrawal and reporting procedures. The rules primarily affect bank officers, depositors and stockholders by shifting many operational decisions to the Governor and imposing identification, documentation, indemnity and reporting requirements that create ongoing compliance costs."}},"importantCases":[],"_links":{"self":"/api/acts/commonwealth-bank-regulations-1915","history":"/api/acts/commonwealth-bank-regulations-1915/history","analysis":"/api/acts/commonwealth-bank-regulations-1915/analysis","conflicts":"/api/acts/commonwealth-bank-regulations-1915/conflicts","importantCases":"/api/acts/commonwealth-bank-regulations-1915/important-cases","documents":"/api/acts/commonwealth-bank-regulations-1915/documents"}}