given of the loss, and payment of two shillings and sixpence in aid of the funds of the Bank, will fill up another book or duplicate to be copied from the Depositor’s account in the Bank ledger; but if any money shall have been drawn from the Bank by any other person producing such book or duplicate, and representing himself or herself to be the Depositor mentioned therein, before such notice shall have been given to the Accountant, or if such Depositor shall fail or neglect altogether to give such notice, the loss shall fall on the Depositor so losing his or her book or duplicate.

8.—DEPOSITS OF PERSONS UNABLE TO ATTEND.

Forms for signature may be had at the Bank office, enabling persons to become Depositors who cannot attend to sign the declaration appointed by the last Rule. Those who are already Depositors may send the deposit books or duplicates, and additional sums by other persons.

9.—WITHDRAWING DEPOSITS.

Depositors may receive the whole or any part of their money on giving due notice, in conformity with the 21st clause of the Ordinance of Council, 11th Victoria, No. 4,—provided, however, that they apply for payment at the hours previously fixed for making repayments to Depositors. Payments can be made only to the Depositors personally, and on his or her receipt, or to the bearer of an order signed by the Depositor, and witnessed if the Depositor cannot write. Forms of such orders may be obtained gratis, on application at the Bank office.

10.—RESTRICTIONS OF DEPOSITORS.

The Trustees reserve the option of returning or rejecting the Deposits of any person or persons whom they may deem it inexpedient to continue or admit as a Depositor.

11.—CERTIFICATES OF DEPOSITS.

In all cases where a certificate may be required of the state of the account of any Depositor with this Bank, such certificate shall be in the following form, signed by one Trustee and countersigned by the Accountant.

Form.

AUCKLAND SAVINGS BANK.

It is hereby certified, to all to whom the same may concern, that the Deposits, and Interest thereon, of the Depositor A. B., No. , formerly of C., but late of D., on the day of in the year one thousand eight hundred and forty , amounting to the sum of Pounds, Shillings, and ___ Pence, including Interest to the last day of the previous month.

E. P., Trustee.
I. K., Accountant.

12.—ARBITRATION OF DIFFERENCES.

If any dispute shall arise between the Trustees of this Bank, or any person or persons acting under them, and any individual Depositor herein, or any Trustee, Executor next of kin, or Creditor of any deceased Depositor, or any person claiming to be such, then, and in every such case, the matter so in dispute shall be referred to the arbitration of two indifferent persons, one to be chosen and appointed by the Trustees of the Bank, and the other by the party with whom the dispute may arise. And in case the Arbitrators so appointed shall not agree, then such matter in dispute shall be referred in writing to an Umpire, having no interest in such matter, or in the said Bank, to be elected by the said Arbitrators, previously to entering upon the consideration of the matter referred to them. And whatever award, order, or determination shall be made by the said Arbitrators, or by the said Umpire, shall be binding and conclusive on all parties, and shall be final to all intents and purposes without any appeal.

Andrew Sinclair,
Vice President

The Ordinance of Council referred to in the preceding Rules, enacts:

That the Governor shall be President of the Bank, and the management of its affairs vested in not less than four nor more than thirty six Trustees, and that no Trustee shall derive any benefit from his office, nor deposit in the Bank.

That the Vice-President and majority of the Trustees, subject to the approval of the Governor, may appoint Accountants; who shall give security for the due and faithful discharge of their duties.

That it shall and may be lawful to receive from any person or persons, in the way of Deposits, any sum or sums of money, not being of less value than One Shilling, nor by any one or more successive Deposits exceeding the sum of Fifty Pounds in any one year, exclusive of Interest, nor of One Hundred Pounds in the whole, to the credit of any one account, save as applying to the Aborigines of the country, and who shall not receive interest on any sum being in excess of One Hundred Pounds.

That Interest shall be allowed on Deposits, at the rate of Five Pounds (liable to reduction on three months notice being given in the Government Gazette,) by the year, for every One Hundred Pounds, and in the same proportion for any shorter time: Provided, that no Interest shall be allowed on any sum less than One Pound, nor on odd shillings or pence, and that the Interest shall be calculated by months, omitting odd days; but that any sum deposited within the first seven days of a month, shall be entitled to bear Interest for the whole of that month. And that if at the close of any year a surplus shall remain over and above £100, after such Interest is allowed, and all salaries and charges paid, the Trustees shall cause such surplus to be divided among the several persons having deposits in the Bank, in proportions corresponding with the amounts of the respective sums standing