PARCEL POST OR FOURTH-CLASS MAIL—Continued.

or other property, shall be fined not more than five thousand dollars, or Imprisoned not more than ten years, or both.

2. Spirituous, vinous, malted, fermented, or other intoxicating liquors of any kind, poisons of every kind, and articles and compositions containing poison (except as prescribed in the fourth paragraph hereof), and poisonous animals, insects, and reptiles, and explosives of every kind, and inflammable materials (including matches, kerosene oil, gasoline, naphtha, benzine, turpentine, denatured alcohol, etc.), and infernal machines, and mechanical, chemical or other devices or compositions which may ignite or explode, and disease germs or scabs (except as prescribed in sec. 473), and other natural or artificial articles, compositions, or materials of whatever kind which may kill, or in anywise hurt, harm, or injure another, or damage, deface, or otherwise injure the mail or other property, live animals (except as prescribed in sec. 476), raw hides or pelts, guano, or any article exhaling bad odor, whether sealed as first-class matter or not, shall not be admitted to the malls. 3. Liquids not spirituous, vinous, malted, fermented, or otherwise Intoxicating (including samples of altar or communion wine used in church services), and not liable to explosion or spontaneous combustion or ignition by shock or jar, and not inflammable, fruits or vegetable matter liable to decomposition, comb honey, soft soap, paste or confections, ointments, salves, and articles of similar consistency, may be admitted to the malls for transmission in the domestic mails when inclosed in packages In conformity with the conditions prescribed in secs. 474 and 475.

4. Medicines and anaesthetic agents, which are not outwardly or of their own force dangerous or injurious to life, health or property, and not in themselves unmailable, may be admitted to the mails for transmission in the domestic mails when inclosed in packages in conformity with the conditions prescribed in Parcel Post Regulations; Provided, That the terms "medicines" and "anaesthetic agents" shall not be construed to mean polsons; Provided further, That the article mailed bears the label or superscription of the manufacturer thereof, or dealer therein, or of the licensed physician, surgeon, dentist, or veterinarian preparing or prescribing the same.

Letters.......

Postal cards, each....

FOREIGN MAILS.

POSTAGE RATES AND CONDITIONS.

3 cents.

2 cents.

1 cent.

5 cents.

1 cent. 2 cents.

THE rates of postage to all foreign countries and colonies except Canada, Cuba, Mexico and Panama are as follows: .........first ounce or less, 5 cents; each additional ounce Newspapers and other printed matter, per 2 ounces. Commercial papers (such as legal and insurance (Packets not in excess of 10 ounces... papers, deeds, bills of lading, invoices, Packets in excess of 10 ounces, for each 2 manuscript for publication, etc.).......... ounces or fraction thereof... Samples of merchandise. (Packets not in excess of 4 ounces..... Packets in excess of 4 ounces, for each 2 ounces or fraction thereof 1 cent. Registration fee on letters or other articles. .... 10 cents. On printed matter and commercial papers the limit of weight is 4 pounds 6 ounces, except that single volumes of books to Salvador, Canada, Mexico, Cuba, and Panama, are unrestricted as to weight. Size-The limit of size is 18 inches in any one direction, except that printed matter or commercial papers in rolls may be 30 inches long by 4 inches in diameter.

Ordinary letters for countries of the Postal Union (except Canada and Mexico) will be forwarded, whether any postage is prepaid on them or not. All other mailable matter must be prepaid at least partially. Domestic rates apply to matter for Porto Rico, Guam, Philippine Islands, Cuba, Canal Zone," Republic of Panama, Tutuila, Hawaii, Shanghai City, U. S. Naval Vessels and officers and men of the U. S. Navy in the U. S. Naval Hospital, Yokohama, Japan.

EXCEPTIONS.

The Postal Union

GREAT BRITAIN AND IRELAND AND NEWFOUNDLAND. The rate on letters for these countries is two cents for each ounce or fraction. rates apply to postal cards, post cards, printed matter, commercial papers and samples.

GERMANY.

The postage rate on letters for Germany by direct ocean transportation is two cents an ounce. Letters paid at the two-cent rate are despatched only by steamers able to land the mails at a German port. Letters paid at the Postal Union rate are despatched by the quickest route.

A fast steamer sailing for Germany via Plymouth and Cherbourg carries letters for Germany prepaid at the Postal Union rate and at the two-cent rate-the letters paid at the five-cent (Postal Union) rate are landed at Plymouth (the quickest route), whereas the letters paid at the two-cent rate are carried through to Germany by the transatlantic steamer.

The Postal Union rates apply to postal cards, post cards, printed matter, commercial papers and samples regardless of the route by which sent, also to letters despatched via England and France. CANADA.

Letters, two cents for each ounce or fraction of an ounce.

Postal cards and post cards, one cent.

Double postal cards (with paid reply), two cents.

Second-class matter (newspapers and periodicals), one cent for each 4 ounces or fraction thereof. No limit of weight.

Printed matter (except second-class), one cent for each 2 ounces or fraction thereof. Limit of weight 4 pounds 6 ounces, except for single volumes of printed books. Packages of miscellaneous printed matter and packages of books weighing over 4 pounds but not over 4 pounds 6 ounces may also be sent as fourth-class matter at the rate of 12 cents a pound,

Fourth-class matter (domestic parcel post) not exceeding 4 ounces in weight (except seeds, plants, etc.) is subject to the rate of one cent for each ounce or fraction of an ounce, and when exceeding 4 ounces in weight is subject to the rate of twelve cents a pound or fraction thereof. Packages of seeds, plants, etc., not exceeding 8 ounces in weight are subject to the rate of one cent for each 2 ounces or fraction of 2 ounces, and when exceeding 8 ounces are subject to the rate of twelve cents a pound or fraction thereof. Limit of weight 4 pounds 6 ounces, except for a single book, Commercial papers, samples, printed books and miscellaneous printed matter may be mailed at the Postal Union postage rates and under the conditions applicable to such articles in foreign mails. Any mailable matter may be registered, but cannot be sent as insured mail.

FOREIGN MAILS-Continued.

Sealed articles, other than letters in their usual and ordinary form, are unmailable. But unsealed packages may contain, in sealed receptacles, articles which cannot be safely transmitted in unsealed receptacles; provided the contents of the closed receptacles are plainly visible or are precisely stated on the covers of the closed receptacles and with the packages so wrapped that the outer cover can be easily opened.

Prepayment of postage upon any article, except the reply half of a double postal card, can be effected only by means of United States postage stamps. Letters will be despatched if prepaid one full rate of postage. Postage on other articles must be prepaid in full.

CUBA.

Letters, two cents for each ounce or fraction of an ounce.

Postal cards and post cards, one cent.

Double post cards (with paid reply), two cents."

Second-class matter (newspapers and periodicals), one cent for each 4 ounces or fraction thereof, No limit of weight.

Printed matter (except second-class), one cent for each 2 ounces or fraction thereof. Limit of weight 4 pounds 6 ounces, except for single volumes of printed books. Packages of miscellaneous printed matter and packages of books weighing over 4 pounds but not over 4 pounds 6 ounces may also be sent as fourth-class matter at the rate of twelve cents a pound.

Fourth-class matter (domestic parcel post) not exceeding 4 ounces in weight (except seeds, plants, etc.) is subject to the rate of one cent for each ounce or fraction of an ounce, and when exceeding 4 ounces in weight is subject to the rate of twelve cents a pound or fraction thereof. Packages of seeds, plants, etc., not exceeding 8 ounces in weight are subject to the rate of one cent for each 2 ounces or fraction of 2 ounces, and when exceeding 8 ounces are subject to the rate of twelve cents a pound or fraction thereof. Limit of weight 4 pounds 6 ounces, except for a single book. Commercial papers, samples, printed books and miscellaneous printed matter may be mailed at the Postal Union postage rates and under the conditions applicable to such articles in foreign mails. Any mailable matter may be registered, but cannot be sent as insured mail. Liquids and fatty substances (except samples) are unmailable.

Sealed articles, other than letters in their usnal and ordinary form, are unmailable. But unsealed packages may contain, in sealed receptacles, articles which cannot be safely transmitted in unsealed receptacles; provided the contents of the closed receptacles are plainly visible or are precisely stated on the covers of the closed receptacles and with the packages so wrapped that the outer cover can be easily opened.

Prepayment of postage upon any article, except the reply half of a double postal card, can be effected only by means of United States postage stamps. Letters and postal cards must be despatched whether prepaid or not. Postage on other articles (except fourth-class matter) must be prepaid at least in part, and on fourth-class matter in full.

MEXICO.

Letters, two cents for each ounce or fraction of an ounce.
Postal cards and post cards, one cent.

Double postal cards (with paid reply), two cents.

Second-class matter (newspapers and periodicals), one cent for each 4 ounces or fraction thereof. No limit of weight.

Limit of

Printed matter (except second-class), one cent for each 2 ounces or fraction thereof. weight 4 pounds 6 ounces, except for single volumes of printed books. Packages of miscellaneous printed matter and packages of books weighing over 4 pounds but not over 4 pounds 6 ounces may also be sent as fourth-class matter at the rate of twelve cents a pound.

Fourth-class matter (domestic parcel post) not exceeding 4 ounces in weight (except seeds, plants, etc.) is subject to the rate of one cent for each ounce or fraction of an ounce and when exceeding 4 ounces in weight is subject to the rate of twelve cents a pound or fraction thereof. Packages of seeds, plants, etc,, not exceeding 8 ounces in weight are subject to the rate of one cent for each 2 ounces or fraction of 2 ounces and when exceeding 8 ounces are subject to the rate of twelve cents a pound or fraction thereof. Limit of weight 4 pounds 6 ounces, except for a single book. Customs declarations must be attached to all parcels of fourth-class matter and all packages sent by foreign parcel post.

Commercial papers, samples, printed books and miscellaneous printed matter may be mailed at the Postal Union postage rates and under the conditions applicable to such articles in foreign mails. Any mailable matter may be registered, but cannot be sent as insured mail.

Sealed articles, other than letters in their usual and ordinary form, are unmailable. But unsealed packages may contain, in sealed receptacles, articles which cannot be safely transmitted in unsealed receptacles; provided the contents of the closed receptacles are plainly visible or are precisely stated on the covers of the closed receptacles and with the packages so wrapped that the cover can be easily opened.

Prepayment of postage upon any article, except the reply half of a double postal card, can be effected only by means of United States postage stamps. Letters will be despatched if prepaid one full rate of postage. Postage on other articles must be prepaid in full.

Matter addressed to Mexico must, in all cases, bear as part of the address the name of the State in which the city or town is located. For example, Acapulco, Guerrero, Mexico; not Acapulco, Mexico.

ΡΑΝΑΜΑ.

Letters, two cents for each ounce or fraction of an ounce.

Postal cards and post cards, one cent.

Double postal cards (with paid reply), two cents.

Second-class matter (newspapers and periodicals), one cent for each 4 ounces or fraction thereof. No limit of weight.

Printed matter (except second-class), one cent for each 2 ounces or fraction thereof. Limit of weight 4 pounds 6 ounces, except for single volumes of printed books. Packages of miscellaneous printed matter and packages of books weighing over 4 pounds but not over 4 pounds 6 ounces may also be sent as fourth-class matter at the rate of twelve cents a pound.

Fourth-class matter (domestic parcel post) not exceeding 4 ounces in weight (except seeds, plants, etc.) is subject to the rate of one cent for each ounce or fraction of an ounce, and when exceeding 4 ounces in weight is subject to the rate of twelve cents a pound or fraction thereof, Packages of seeds, plants, etc., not exceeding 8 ounces in weight are subject to the rate of one cent for each 2 ounces or fraction of 2 ounces, and when exceeding 8 ounces are subject to the rate of twelve cents a pound or fraction thereof. Limit of weight 4 pounds 6 ounces, except for a single book.

FOREIGN MAILS-Continued.

Parcels up to 11 pounds in weight may also be sent oy foreign parcel post, under the conditions of the parcel post convention with Panama.

Customs declarations must be attached to all parcels of fourth-class matter and all packages sent by foreign parcel post.

Commercial papers, samples, printed books and miscellaneous printed matter may be mailed at the Postal Union postage rates aud under the conditious applicable to such articles in foreign mails, Auy mailable matter may be registered, but cannot be sent as insured mail. Liquids and fatty substances (except samples) are unmailable.

Sealed articles, other than letters in their usual and ordinary form, are unmailable. But unsealed packages may contain, in sealed receptacles, articles which cannot be safely transmitted in unsealed receptacles; provided the contents of the closed receptacles are plainly visible or are precisely stated on the covers of the closed receptacles and with the packages so wrapped that the cover can be easily opened.

Prepayment of postage upon any article, except the reply half of a double postal card, can be effected only by means of United states postage stamps. Letters and postal cards must be despatched whether prepaid or not. Postage on other articles (except fourth-class matter) must be prepaid at least in part, and on fourth-class matter in full.

SHANGHAI, CHINA.

Articles intended for delivery in the city of Shanghai, China, are subject to United States domestic postage rates and conditions, but letters specially addressed via Europe-Siberia are subject to the foreign rate. Certain matter may also be sent by foreign parcel post.

UNITED STATES NAVAL VESSELS.

Mail matter for officers or members of the crews of United States vessels of war stationed abroad is subject to domestic postage rates and conditions. Packages of fourth-class matter exceeding 4 ounces in weight are subject to the rate of twelve cents for each pound or fraction of a pound when the vessels are stationed in foreign waters. Articles should be addressed U. S. S. (name of vessel), care of Postmaster, New York, N. Y." and be fully prepaid. Mail so addressed will be forwarded to the vessels, whether at domestic or foreign ports. Express packages will not be received unless they conform to the postal regulations and are placed in the mail with the postage properly prepaid.

UNITED STATES NAVAL HOSPITAL, YOKOHAMA, JAPAN.

Mail for officers and men of the United States Navy in the United States Naval Hospital at Yokohama, is subject to domestic rates and conditions, the same as that for officers and men on U. S. naval vessels stationed abroad. SAMPLES OF MERCHANDISE

must be bona fide trade samples without any salable value. Wrapping-Samples of merchandise must be wrapped so that the contents may be easily examined without injury to wrappers. Permissible Writing-They must bear no writing except the name or the social position of the sender, a manufacturer's or trade mark, numbers, prices and indications relating to the weight, size, dimensions and quantity to be disposed of, and words which are necessary to precisely indicate the origin and nature of the merchandise. Weight-Packages of samples must not exceed 12 ounces in weight. Size-The size must not exceed 12 inches in length, 8 inches in breadth, and 4 inches in depth, except when in the form of a roll, they may be 12 inches in length and 6 inches in diameter. Postage-The postage on samples is 2 cents for the first 4 ounces or less, and 1 cent for each additional 2 ounces or traction of 2 ounces. Register all valuable articles. Registration fee 10 cents PARCEL POST.

Postage, 12 cents a pound or fraction thereof; greatest length (unless specially noted below), 3 feet 6 inches; greatest length and girth combined (unless specially noted below), 6 feet; limit of weight (unless specially noted below), 11 pounds; value (unless specially noted below), not limited; registration fee, 10 cents.

Unsealed packages of mailable merchandise may be sent by parcel post to Dutch Guiana (parcels cannot be registered. See item “Customs Declarations''), Uruguay (parcels cannot be registered. See item "Customs Declarations'), Hungary, Bermuda, Jamaica, including Cayman Islands, Turks Island, including Caicos Islands, Barbados (parcels cannot be registered), the Bahamas, British Honduras, Mexico (limit of size, 2 feet in length, 4 feet in girth; limit of weight for places named in "Postal Guide." 11 pounds; for other places, 4 pounds 6 ounces), Leeward Islands (Antigua, Anguilla, Barbuda, Dominica, Montserrat, Nevis, Redonda, St. Kitts and the Virgin Islands), Colombia (limit of size, 2 feet in length, 4 feet in girth), Costa Rica, Salvador (see item Customs Declarations"). British Guiana, Danish West Indies (St. Croix, St. John and St. Thomas), and the Windward Islands (Grenada, Grenadines, St. Lucia, and St. Vincent), Trinidad, including Tobago; Venezuela (see item "Customs Declarations'), Bolivia, Ecuador (parcels must not exceed $50 in value), Peru and Chile, Newfoundland, including Labrador. Parcels for Labrador can only be forwarded during the months of July, August and September; Honduras Republic of), * Germany, including Cameroon (Kamerun), Toga, Gerinan Samoa, German East Africa and German Southwest Africa; Greece (parcels cannot be registered), Italy, including Erythrea, Benadir, Bengazi and Tripoli in Tripoli (Barbary) and Republic of San Marino. Liberia, Netherlands (parcels cannot be registered. See item "Customs Declarations), New Zealand, including Cook and Fanning Islands; Nicaragua, Guatemala, Norway, Japan, including Formosa, Karaluto (Japanese Saghalien), and Korea (Chosen); Hongkong, including Kowloon, Austria, Belgium, France, excluding Algeria and Corsica (parcels cannot be regis tered. See item Customs Declarations), Great Britain and Ireland (parcels cannot be registered), Australia, including Tasmania, Denmark, including Faroe Islands and Iceland; Sweden. ChinaParcels addressed for the following places are mailable subject to the rate and conditions applicable to parcels for HONGKONG: Aberdeen, Amoy, Au Tan, Canton, Chung Chow, Foochow, Hoihow, Hongkong, Kowloon, Liu Kung Tau, Ningpo, Ping Shan, Shanghai, Sai Kung, Stanley, Sha Tin, Shung Shui, Shoo Tow Kok, Swatow, Tai-o, Tal-Po, and Wei Hai Wei. Parcels addressed for delivery in the following places are mailable subject to the rate and conditions applicable to parcels for JAPAN: Amoy, Changsha, Cheefoo, Foochow, Hangchow, Kiukiang, Newchwang, Peking, Shanghaikawan, Shasi, Soochow, Tientsin, Tongku and Wuhu, China; or at the following places in Manchuria: Antoken (Antung), Bujum (Fushun), Choshun (Changchun), Dairen (Tairen, Talien, formerly Dalny), Daisekkio (Tashichiao), Daitoko (Tatungkou), Furanten (Pulentien), Gwaboten *Service suspended on account of war at time ALMANAC was printed.

† Only for places here mentioned,

Foreign Mails.

FOREIGN MAILS-Continued.

(Wafantien), Gaihel (Kaiping), Giukaton (Newchatun), Hishiko (Pitzuwo), Hoten (Mukden), Honkeiko (Pengshihu), Howofreo (Fenghuangcheng), Kaigen (Kalyuen), Kaijo (Haimueng), Kinshu (Chinchow), Koshurei (Kungchuling), Riujuton (Liushuton), Riojun (Port Arthur), Rioyo (Liaoyang), Senkinsai (Chienchinsai), Shiheigai (Ssupingchieh), Shinminfu (Shingmingfu), Shoto (Changin), Sokato (Tsaohokow), Sokaton (Suchiatun), Taikozau (Takushan), Tetsurei (Tiehling), Yendai (Yentai), Yugakujreo (Hsiungyocheng). Parcels addressed for delivery in the following places are mailable subject to the rate and conditions applicable to parcels for GERMANY, and are included in closed mails made up for the German Post-Office at Shanghai: Haukow, Nanking, Shanghai, Chingkaing, Tsinanfoo, Weihsien, Kiowchow (including Tsingtow, Litsun, Mecklinburghaus, Shatsikoo, Sifang, Taputow, Taugkow, Tsingtoo-Gr. Hafen, Tsingtow-Tabatau). Parcels for the city of Shanghai to include only such matter as may be inadmissible to domestic parcel post mail for United States Postal Agency at Shanghai, e. g., books, etc.; Hayti, Brazil, Dominican Republic, Dutch West Indies: Curacao and Aruba, Bonaire, Saba, St. Eustatius and the Dutch part of St. Martins (parcels cannot be registered. See item "Customs Declarations "); French West Indies: Martinique, Guadeloupe (including Marie Galante, Deseade, Les Saints, St. Bartholomew and the French portion of St. Martins) (parcels cannot be registered. See item Customs Declarations''); Panama and Turkey, the following places only. Parcels addressed for delivery in the following places are mailable subject to the rate and conditions applicable to parcels for AUSTRIA: Alexandretta, Beirut, Caifa, Constantinople, Cavalia, Chios, Dardanelles, Ineboli, Jaffa, Janina, Kerassonda, Mersina, Mytilene, Prevesa, Retimo, Rhodes, Samsoun, San Giovanni di Medua, Santi Quaranta, Scutari d'Albanie, Trebizond, Tripoli (Syria) and Vathi (Samos; also Candia in Parcels must be Isle of Crete. Parcels addressed for delivery in the following places are mailable subject to the rate and conditions applicable to parcels for ITALY: Durazzo, Galata, Jerusalem, Pera, Salonica, Scutari Asia Minor), Smyrna, Stamboul and Valona; also Canea in Isle of Crete. wrapped so as to permit their contents to be easily examined by postmasters. The presence, in an unsealed parcel, of sealed receptacles containing mailable articles which cannot be safely transmitted in the unsealed receptacles, will not render the parcel unmailable, provided the contents of the sealed receptacles are plainly visible, or are unmistakably indicated by the method of packing or But such sealed receptacles will not be admitted to the parcel Any article absolutely prohibited by a precise statement on the covers.

post unless inclosed in an outside cover open to inspection.

admission to the regular mails for any country is also inadmissable to parcel post mails for that country; but no article is excluded from parcel post mails solely because it is dutiable in the country of destination. Liquids, poisonous, explosive. and inflammable substances are excluded.

A Customs Declaration" Form 4402 (which will be furnished on application at the post-office or a station) must be properly and fully filled out, stating the actual contents, value, etc., of the parcel. General terms, such as merchandise" or "samples," will not answer: the contents must be accurately described. Customs Declarations must be firmly attached to the cover of the parcel, but not pasted or affixed so that they will seal the package and prevent examination of the contents without damaging the cover. In addition to being tied by means of a cord passing through the eyelet, the tag should be bound flat to the parcel (with the front or declaration" side facing out), So that the tag cannot be used as a handle to lift the parcel while in transit.

Two (2) copies of the declaration" (Form 4402) must be attached to each parcel for Dutch Gulana, Dutch West Indies, French West Indies, Netherlands, Salvador and Uruguay, and three (3) copies to each parcel for Venezuela.

France-Two copies of the special customs declaration, "Form No. 2 Bis" (4402%), showing in addition to the usual entries the gross weight of the parcel and net weight of the contents, must be attached to parcels for France. One copy may be pasted to the package, but the other copy must be affixed in such a manner that it can be readily removed at the exchange office where the mail is prepared for despatch to France.

#Liquids and oils, pastes, salves and other articles easily liquefiable are admissible to the parcel post mails for Austria, Brazil, Germany and Great Britain, provided they are packed in accordance with the regulations prescribed for the admission of such substances to the United States domestic parcel post malls.

GENERAL REGULATIONS RESPECTING FOREIGN MAILS.

Bates and conditions to countries not in the Universal Postal Union are now the same as those to Universal Postal Union countries.

Postage can be prepaid upon articles (other than the reply half of double postal cards) only by means of the postage stamps of the country in which the articles are mailed. Hence articles mailed in one country addressed to another country which bear postage stamps of the country to which they are addressed are treated as if they had no postage stamps attached to them.

Unpaid letters received from the Postal Union and insufficiently prepaid correspondence of all kinds is chargeable with double the amount of the deficient postage.

Matter to be sent in the mails at less than letter rates must be so wrapped that it can be readily examined at the office of delivery, as well as the mailing office, without destroying the wrapper. Packages of newspapers and periodicals sent in the mails to foreign countries are restricted to a Those sent to Canada, Cuba, Mexico, Panama, and Shanghai (City), China, single (outside) address,

are transmissible as in domestic mails.

The United States two-cent postal card should be used for card correspondence with foreign countries (except Canada, Cuba, Mexico, Panama, aud Shanghai City, to which countries the onecent card is transmissible), but where these cards cannot be obtained, it is allowable to use for this purpose the United States one-cent postal card with a one-cent United States adhesive postage stamp attached thereto, Private cards can be used if conforming in size, etc., to Government cards, such cards should bear the words "post card."

Mail matter of all kinds received from any country of the Postal Union is required to be refor warded at the request of the addressee, from one post-office to another. and in the case of articles other than parcel post packages, to any foreign country embraced in the Postal Union, without additional charge for postage. All articles prohibited from domestic mails are also excluded from circulation in the mails to and Postal cards or letters addressed to go around the world will not be forfrom foreign countries. warded, being prohibited.

NOTE-It should be understood that these tables are subject to change, it being the aim of the Post-Office Department to make reductions whenever conditions warrant such action.

POSTAL-SAVINGS SYSTEM.

INFORMATION FOR DEPOSITORS ANNOUNCED BY POST-OFFICE DEPARTMENT. Object-1. The Postal-Savings System is established by authority of the act of Congress approved June 25, 1910, for the purpose of providing facilities for depositing savings at interest, with the security of the United States Government for repayment.

Safety-2. The faith of the United States is solemnly pledged to the payment of deposits made in postal-savings depository offices, with accrued interest thereon, as provided by the PostalSavings act.

Who May Deposit-3. An account may be opened and deposits made by any person of the age of 10 years or over in his or her own name, or by a married woman in her own name and free from any control or interference by her husband. 4.

Deposits will be accepted only from individuals, and no account will be opened in the name of any corporation, association, society, firm or partnership, or in the name of two or more persons Jointly. No account will be opened in the name of one person in trust for or on behalf of another person or persons.

5. A person may open a postal-savings account at any depository post-office, but no person may at the same time have more than one postal-savings account either at the same office or at different offices.

6. All accounts shall be opened in person by the depositor or his authorized representative. After opening an account, a depositor may forward subsequent deposits to the post-office by registered mail or by money order made payable to the postmaster.

No Charges to Depositors-7. No charges or fees are collected or required from depositors in connection with the opening of accounts or the subsequent deposit or withdrawal of moneys. How to Open an Account-8. When a person applies to open an account, he shall furnish the necessary information to enable the postmaster to fill out an application, which the depositor will then be required to sign.

Deposits-9. Deposits are evidenced by postal-savings certificates issued in fixed denomfnations of $1, $2, $5, $10, $20, $50, and $100, each bearing the name of the depositor, the number of his account, the date of issue, and the name of the depository office. The depositor shall sign a duplicate of each certificate, which the postmaster will retain.

10. No account may be opened for less than $1, nor will fractions of a dollar be accepted for deposit. (See paragraph 16 relative to postal-savings cards and stamps.) 11. No person is permitted to deposit more than $100 in any one calendar month nor to have a total balance to his credit at any time of more than $500 exclusive of accumulated interest. 12.

Postal-savings certificates are not transferable or negotiable and are payable only to the person to whom issued, except as provided in paragraphs 27, 28, and 29.

13. On opening an account a depositor is supplied with an envelope in which he may keep his savings certificates. This envelope bears information for his guidance, and a blank ledger record on which an account of his deposits and withdrawals may be kept.

master.

15.

14. If a postal-savings certificate is lost or destroyed the depositor should notify the postUpon compliance by the depositor with the necessary requirements, a new certificate will be issued by the Third Assistant Postmaster-General if deemed proper. Postmasters are not permitted to receive issued postal-savings certificates for safe-keeping. Postal-Savings Cards and Stamps-16. Amounts less than $1 may be saved for deposit by purchasing 10-cent postal-savings cards and 10-cent postal-savings stamps. Each postal-savings card bears blank spaces in which such stamps may be affixed from time to time. A postal-savings card with nine postal-savings stamps affixed will be accepted as a deposit of $1 either in opening an account or in adding to an existing account.

17. Postal-savings cards and stamps are not valid for postage, and postmasters will not exchange them for postage stamps nor exchange postage stamps for postal-savings cards or stamps. Interest-18. Interest at the rate of 2 per cent. per annum will be allowed on the amount represented by each postal-savings certificate, payable annually. Interest will not be paid for any fraction of a year.

19. Deposits will bear interest from the first day of the month next following that in which made.

20. Interest will continue to accrue annually on a postal-savings certificate as long as it remains outstanding, certificates being valid until paid, without limitation as to time.

21. Compound Interest is not allowed on an outstanding certificate, but a depositor may withdraw interest accrued and make a new deposit, subject to the restriction that deposits at interest will not be received for less than $1.

Withdrawals-22. A depositor may at any time withdraw the whole or any part of the deposite to his credit, with any interest payable thereon, by surrendering, at the office of issue, postalsavings certificates, properly indorsed, for the amount to be withdrawn.

23. A depositor presenting a certificate for payment in full shall indorse it in the presence of the postmaster or his representative and surrender it. The postmaster or his representative, upon being satisfied as to the depositor's identity, will then make payment.

24. When a depositor desires to withdraw only a part of the amount represented by any certificate, the postmaster will cancel the certificate and issue a new certificate or certificates covering the amount remaining on deposit, which will bear interest from the first day of the following month. 25. When a depositor desires to withdraw the interest payable on any certificate, he will be