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Foreign Mails.

POSTAGE RATES AND CONLITIONS THE rates of postage to all foreign countries and colonies are as follows: Letters.........

..........first ounce or less, 5 cents; each additional ounce 8 cents. Postal cards, each.

2 cents, Newspapers and other printed matter, per 2 ounces. Commercial papers (such as legal and Insurance (Packets not in excess of 10 ounces.

5 cents. papers, deeds, bills of lading, invoices, Packets in excess of 10 ounces, for each 2 inanuscript for publication, etc. )........

ounces or fruction thereof..

1 cent. Samples of merchandise. { Packets in excess ot 4 ounces, for each 2 ounces or fraction thereof 1 cent.

.

2 cents. Registration fee on letters or other articles.........

10 cents. Du printed matter and cominercial 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. 8. Naval Hospital, Yokohama, Japan.

EXCEPTIONS.
GREAT BRITAIN AND IRELAND AND NEWFOUNDLAND.
The rate on letters for these countries is two cents for each

ounce or fraction. The Postal Union 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 rale are carried through to Germany by the transatlantic sieamer.

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. The postage rates applicable to matter mailed in the United States addressed to Canada are as follows:

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.

Secoud-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 a single book.

Fourth-class matter -For packages weighing 4 ounces orless, one cent for each ounce or fraction of an ounce. For packages weighing over 4 ounces and not exceeding 4 juunus 6 ounce8 (except seeds, plants, etc.), twelve cents per pound or fraction of a pound.

Seeds, plants, etc., are subject to the rate of one cent an ounce.
Packages can not be insured, but may be registered.

Commercial papers and samples of merchandise may be mailed at the Postal Union postage rates and under the conditions applicable to such articles in foreign mails.

Sealed articles, other than letters in their usual and ordinary form, are unmailable. But unsealed packages may contain, in sealed receptacles, articles which can not 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 aud 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 will be despatched if prepaid one full rate of postage. Posinge on other articles (except fourth-class matter) must be prepaid at least in part, and on fourth-class matter in full.

CUBA. The postage rates applicable to matter malled in the United States addressed to Cuba are as follows: Letters, two cents for each ounce or fraction of an ounce. Postal cards aud post cards, one cent. Double post cards (with paid reply), two cents.

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

Printed matter (except second-class), one centifor each 2 ounces or fraction thereof. Limit of weight 4 pounds 6 ounces, except for a single bok.

Fourth-class matter (except seeds, plants, etc.), for packages weighing 4 ounces or less one cent

for each ounce or fraction of an ounice. 'For packages weighing over 4 ounces and nwt exceeding 4 pounils 6 ounces, twelve cents per pound or fraction of a pound.

Seeds, plants, etc., are subject to the rate of one cent for each two ounces or fraction thereof.

Commercial papers and samples of merchandise may he malled at the Postal Union postage rates and under the conditions applicable to such articles in foreigu malls,

Liquids and fatty substances (except samples) are unmailable. Sealed articles, other than letters in their usnal and ordinary form, are unmailable. But unsealed package may contain, in sealed receptacles, articles which can not be safely transmitted in unsealed receptacles; provided the contents of the closed receptacles are plainly visible or are precisely stated ou the covers of the closed receptacles aud with the packages so wrapped that the outer cover can be easily opered.

FOREIGN MAILS-Continued. Prepayment of postage upon any article, except the reply half of a double postal card, can be eflected 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 The postage rates applicable to matter mailed in the United States addressed to Mexico are as follows:

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 a single book.

Fourth-class matter (except seeds, plants, etc.), for packages weighing 4 ounces or less, one cent for each ounce or fraction of an ounce. For packages weighing over 4 ounces and not exceeding 4 pounds 6 ounces, twelve cents per pound or fraction of a pound.

Parcels up to 11 pounds in weight may also be sent by foreign parcel post under the conditions stated in Circular 77.

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

Seeds, plants, etc., are subject to the rate of one cent for each 2 ounces or fraction thereof.
Packages can not be insured, but may be registered.

Commercial papers and samples of merchandise may be mailed at the Postal Union postage rates and under the conditions applicable to such articles in foreign mails.

Sealed articles, other than leiters in their usual aud ordinary form, are unmailable. But unsealed packages may containi, in sealed receptacles, articles which can not 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 will be despatched if prepaid one full rate of postage. Postage on other articles (except fourth-class maller) must be prepaid at least in part, and on fourth-class matter in full.

Vatter addressed in 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.

PAVAMA.
The postage rates applicable to matter mailed in the United States addressed to the Republic of
Panama are as follows:

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. Nolimit 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 a single book.

Fourtlı-class matter (except seeds, plants, etc.), for packages weighing 4 ounces or less, one cent for each ounce or fraction of an ounce. For packages weighing over 4 ounces and not exceeding 4 ponds 6 ounces, twelve cents per pound or fraction of a pound.

Parcels up to 11 pounds in weight may also be sent by foreign parcel post, der the conditions stated in Circular 77.

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

Seeds, plants, etc., are snbject to the rate of one cent for each 2 ounces or fraction thereof.
Packages can not be insured, but may be registered.

Commercial papers and samples of merchaudise may be malled at the Postal Vuion postage rates and under the conditions applicable to such articles in foreign mails,

Liquids and fatty substances (*xcept samples) are unmailable.

Sealed articles, nther than letters in their usual and ordinary form, are unmailable. But unsealed packages may contain, in sealed receptacles, articles which can not 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 cau 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 foreigu rate. Certain matter may also be sent by joreign parcel post.

UNITED STATES NAVAL VESSELS. Mall 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 dre 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 aldressed will be forwarded to the vessels, whether at domesticor foreign ports Express packages will not be received unless they conform to the postal regulations and are placed in the mail with ihe postage properly prepaid.

UNITED STATES NAVAL HOSPITAL, YOKOHAMA, JAPAN. Mail for officers and men of the United States Navy in the United States Naval Hospitai at Yoko. hama, is subject to domestic rates and couditions, the same as that foroflicers and men on U.S. naval vessels stationed abroad.

FOREIGN MAILS-Continued.

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 manufacturers' 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 fraction 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 mallable merchandise may be sent by parcel post to Dutch Guiana (par. cels cannot be registered. Seeitem" Customs Declarations''), Uruguay (parcels cannot be registered). See item "Customs Declarations''), Hungary, Bermuda, Jamaica, including Cayman Islands, Turks Island, including Caicos Islands, Barbadoes (parcels cannot be registered), the Bahamas, British Honduras, Mexico (limit of size, 2 feet in lengih, 4 feet in girth; limit of weight for places named in "Postal Guide.?' 11 pounds; for other places, 4 pounds 6 ounces), Leeward Islands (Autigua, 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; Honduras (Republic of), Germany, including Cameroon (Kamerun) Toga, German East Africa and German South West Africa ; Italy, including Erythrea. Benadir, Bengazi and Tripoli in Tripoli (Barbary) and Republic of San Marino. Netherlands (parcels cannot be registered. See ite no “Customs Declarations''), New Zealand, including Cook and Fanning Islands; Nicaragua, Guatemala, Norway, Japan, including, Formosa, Karasuto (Japanese Saghalien), and Korea; Hongkong, including Kowloon, Austria, Belgium, France, excluding Algeria and Corsica (parcels cannot be registered, See item Customs Declarations''), Great Britain and Ireland (parcels cannot be registered), Australia, including Tasmania, Denmark, including Faroe Islands and Iceland; Sweden, China, the following places only: Amoy, Canton, Changsha, Cheefoo, Chingkiang, Foochow, Hangchow, Hankow, Hoibao (Iloihow), Hongkong, Kingiang, Lin Kung Tau, Nanking, Newchwang, Ningpo, Shanghai, Shanghaikwan, Shasi, Soochow, Swatow, Peking, Tientsin, Tongku, Wei Hai Wei and Wuku; Aberdeen, Au Tan, Chingchow, Ping Shan, Sai Kung, Sha Tin, Sha Taukok, Shung Shui, Stanley, Tai-o, Tai-Po. Tsinanfoo. Weihsen and the German Protectoraies of Klowchow or Kiantschon; Manchuria, the following places only: Antoken (Antung), Bujun (Fushun), Choshun (Changehun), Dairen (Tairen, Talien, formerly Dalny), Daisekkio (Tashichiao), Daitoko (Tatungkon), Furanten (Pulantien), Gaihei (kaiping), Giukaton (Newchatun), Gwaboten (Wafangtien), Hishiko (Pitzuwo), Honkeiko (Penhasikn), Hoten (Mukden). Howojio (Fenghuangcheng), Kaigen (Kalvuen), Kaijio (Haichaeng, Kinshi (Chinchow), Koshurei (Kungchuling), Riojun (Port Arthur), Rioyo (Liaoving), Riujuton (Liushutun), Senkinsal (Chienchinsai), Shiheigai (Ssupingchieh), Shinminfii(Shingninglu), Shoto (Changtu), Sokako (Tsaobokow), Sekaton (Suchiatun), Taikozan (Takushan), Ttsure (Tiebling), Yendai (Yeniai), Yugakujio (Hsiungyocheng); Hayti, Brazil, Dominican Republic, Dutch West Indies, French West Indies, Panama and Turkey, the following places only: Alexandretta, Beirnt, Cavalla, Constantinople (includi'g Galata, Pera and Slamboul), Dardanelles, Dedeagatch, Durazzo, ('aifa, Inebol Jaffa, Janina, Jerusalem. Keras. sund, Mersine, Mitylene, Preresa, Ritimo (Rethymo), Rhodes, Saloniki (Salonica), Samsoun, San Jean de Medua, Santi Quaranta, Scio (Schios), Scutari, Smyrna, Trebizond, Tripoli (Syria), Valona, Vathy (Samos), and (unea and Candia in the Isle of Crete. Parcels must be 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 by a precise statement on ihe covers. But such sealed receptacles will not be admitted to the parcel post unless inclosed in an outside cover open to inspection. Any article absolutely prohibited 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.

CUSTOMS DECLARATIONS. 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 afti red 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 fat 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 Guiana, Dutch West Indies, Netherlands, Salvador and Uruguay, and three (3) copies to each parcel for Venezuela.

France-Two copies of the special declaration, “Form No. 2 Bis'' (4402%), showing in addition to the usual entries the gross weight of the parceland net weight of the contents, must be attached to parcels for France. One copy may be pasted to the package, bnt 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,

GENERAL REGULATIONS RESPECTING FOREIGN MAILS. Rrutes and conditions in countries not in the Universal Postal Union are now the same as those to Uni. versal Postal (mion countries.

Postage cau be prepaid upon articles (other than the reply half of double postal cards) only by

FOREIGN MAILS-Continued. 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.

Parkages of newspapers and periodicals sent in the mails to foreign countries are restricted to a single (outside) address. Those sent to Canada, Cuba, Mexico, Panama, and Shanghai (City), China, 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, and Shanghai City, to which countries the one. cent card is transmissible), but where these cards can not 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, lo any foreign country ernbraced in the postal Union, without ad. ditional charge for postage.

All articles prohibited from domestic mails are also excluded from circulation in the malls to and from foreign countries. Postal cards or letters addressed to go around the world will not be forwarded, being prohibited.

FOREIGN (INTERNATIONAL) MONEY ORDERS. When payable in Apia, Austria, Belgium, Bolivia, Cape Colony, Costa Rica, Denmark, Egypt, Germany, Great Britain, lionduras, Hongkong Hungary, Italy, Japan, Liberia, Luxemburg, New South Wales, Natal and Zwuland, New Zealand, Orange River Colony, Peru, Portugal, Queensland, Russia, Salvador, South Australia, Switzerland, Tasmania, the Transvaal, Uruguay and Victoria rates are as follows; For sums from $0.01 to $2.50... 10 cents From $30. G1 to $40.00.

45 cents From $2.51 to $5.00.

15
40. 01 to 50 00.

50
5. 01 to 7.50

20
50.01 to 60. 00.

60
7.51 to 10.00.

25
00.01 to 70 00.

70
10.01 to 15. 00.

30
70.01 to 80.00.

80
15.01 to 20.00..

35
81), 01 to 90.00

90
20.01 10 30.0.

40
90.01 to 100,00.

1 dollar When payahle in any foreign country not named above raies are as follows: For sums fro:n $0.01 to $10.00. 10 cerits From $50.01 to $60.00..

60 cents From $10.01 to $20.00.

20
60. 01 to 70.00.

70
20.01 to 30.00.

70.01 10 80.00,

80 30.01 to 40.00

40

80.01 to 90.00.
40.01 to 50. 00.

50
90.01 to 100.00..

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

Postal-Savings System. INFORMATION FOR DEPOSITORS ANNOUNCED BY POST-OFFICE DEPARTMENT

Object-1. The Postal-Savings System is established 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 as provided by the Postal-Savings act.

Who May Deposit-3. Accounts may be opened and deposits made by any person of the age of 10 years or over in his or her own name and by a married woman in her own name and free from any interference or control by her husband. No person can have more than one account at any one time.

4. Any person may open a postal-savings account.

5. All accounts must 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 mail.

6. 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 names of two or more persons jointly.

7. No account will be opened in the name of one person in trust for or on behalf of another person or persons.

Service Free--8. The service of the Postal-Savings System 13 free, and no charge or fee is collected or required in connection with the opening of an account or the withdrawal of money deposited, unless withdrawals are made by mail, and by means of money orders, when the usual feo is deducted.

Privacy of Accounts--9. No person connected with the Post-Omce Department or the postal service is permitted to disclose the name of any depositor or give any information concerning an account except to the depositor himself, unless directed to do so by the Postmaster-General.

How to Open an Account-10. When a person applies to open an account he must furnish the necessary information for the postmaster or his representative to fill out an application, which he will then be required to sign. If the applicant signs by mark his signature must be witnessed by a disinterested person.

Deposits-11. Deposits are evidenced by postal-savings certificates issued in fixed denominations of $1. $2, 85, $10, $20, $50 and $100, each bearing the name of the depositor, the number of his account, the date of issue, the name of the depository office, and the date on which interest begins. The post master or his representative will make out a duplicate of each certificate issued, which the depositor will be required to sign and which the postmaster will retain in his records.

12. No account may be opened for less than $1, nor will fractions of a dollar be accepted for deposit.

13. No person is permitted to deposit more than $100 in any one calendar month nor to have a total balance to his credit at one time oi more than $500 exclusive of accumulated interest.

14. Savings certificates cannot be transferred or negotiated and will be payable only to the person to whom Issued.

15. On opening an account a depositor is supplied with an envelope in which he may keep his

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Postal-Savings System.

savings cert10cates. On this envelope is printed information for his guidance, and also a blank ledger record on which to keep an account of his deposits and withdrawals.

16. In case a savings certificate is lost or destroyed the depositor should notify the post master. Il deemed proper, a new certificate will be issued upon compliance by the depositor with the necessary requirements.

17. Postmasters are not permitted to receive savings certincates for safe-keeping.

Savings Cards and Stamps-18. Amounts less than $i may be saved for deposit by the purchase of 10-cent postal-savings cards and adhesive 10-cent postal-savings stamps. Each postalsavings card contains blank spaces to which savings stamps may be a xed from time to time as purchased, and a postal-savings card with nine 10-cent savings stamps thus a mixed will be accepted as a deposit of $1 elther in opening an account or in adding to an existing account, or it may be redeemed in cash.

19. Savings stamps are not valid for postage. They will not be received in exchange for postage stamps nor will postage stamps be accepted in exchange for postal-savings cards or stamps.

Interest-20. Interest will be allowed on all deposits at the rate of 2 per cent. per annum, computed on each savings certificate separately, and payable annually. No interest will be paid on money which remains on deposit for a fraction of a year only.

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

22. Interest will continue to accrue on a savings certificate as long as it remains outstanding, certificates being valid until paid, without llmitation as to time.

23. Compound interest is not allowed on an outstanding certificate, but a depositor may withdraw Interest payable and include it in a new deposit, which will bear interest at the regular rate.

Withdrawals-24. A depositor may at any time withdraw the whole or any part of his deposite to his credit with any Interest payable by surrendering savings certificates, properly indorsed, for the amount desired.

25. A depositor presenting a certin cate for payment in full, with all interest payable, must Indorse it on the back in the presence of the postmaster or his representative and surrender It. The postmaster or his representative, 1f satisfied as to the depositor's Identity, will then make payment.

26. When a depositor desires to withdraw only a part of the amount called for by any certificate the post master, on presentation of the certifcate, shall pay the amount demanded with all interest then payable on the full amount of the certifcate. He shall issue a new certificate or certificates covering the amount to remain on deposit, which shall bear interest from the first day of the month succeeding that in which payment is made.

27. When a depositor desires to withdraw merely the interest payable on any certificate, instead of indorsing and surrendering the certificate as in case of full payment, he will be required to give his receipt for the amount of the interest paid. The postmaster will enter the interest payment on the back of the certificate and return it to the depositor.

Deposits Not Made in Person-28. When a person who has opened an account cannot appear personally to make an additional deposit, because of infirmity or for other good and sumcient reason, the amount to be deposited may be sent by a representative or forwarded to the post-office by registered mail or money order. When a depositor forwards money by mail for deposit the postmaster shall sign the duplicate certificates beneath the depositor's name and mail him the originals. New accounts cannot be opened by mail. When an intending depositor desiring to open an account is unable to appear in person he may forward the money by a representative, who will be provided with an application form and a deposit slip. When the application and the deposit slip have been returned, properly filled out and signed, the postmaster shall accept the deposit and issue the necessary certificates, writing the depositor's name on the duplicates and requiring the representative to sign under it.

withdrawals Not Made in Person-29. When under similar circumstances & depositor cannot appear in person to make a withdrawal, a blank order will be furnished for his use upon request by his representative. When such order has been properly nlled in and signed by the depositor, with his signature witnessed by a disinterested person, and has been returned to the postmaster, together with each certincate to be paid properly indorsed, payment will be made to the depositor's representative.

30. When a depositor who is unable to appear in person desires to withdraw merely the interest payable on any certocate, the blank order furnished will include receipts for the interest to be paid, upon return of which, properly signed by the depositor, the postmaster will make payment to his representative.

Death of Depositor-31. In case of the death of a depositor the amount standing to his credit will be paid to the executor or administrator of his estate upon compliance with the necessary requirements. In case no formal administration is desired by his relatives. the postmaster may, it it is deemed proper, be authorized to pay the amount of the deposit, on application in proper form, to the persons entitled to receive it, without the appointment of an administrator.

Account of Woman Who Marries-32. A woman who opens an account and afterward marries must present her savings certifcates at her office in order that the certificates may be indorsed as payable to her in her new name. The post master will receive no further deposits from a depositor faling to comply with this requirement nor will he make any partial or interest payment to her.

Postal-Savings Bond-33. A depositor will be permitted to exchange the whole or any part of his deposits in sums of $20, $100 and $500, into United States registered or coupon bonds bearing interest at the rate of 24, per cent. per annum, payable semi-annually, and redeemable at the pleasure of the United States after one year from date of issue, both principal and interest payable twenty years from such date in United States gold coin. Such exchange may be made under date of January i and July 1 of each year, provided such bonds are then available.

34. A depositor desiring to convert his avings deposits into bonds on January 1 and July 1 of any year must make application at least f'teen days before either of the dates named to the postmaster in triplicate on & form which will be supplied him for that purpose. At the time of making application he must indorse and surrender savings certificates covering the amount of the bonds desired, for which the postmaster will give him a receipt. Interest will continue to accrue on certincates surrendered until the date on which the bonds are issued. Bonds, wherssued, are sent to the applicant's address. At the same time all interest due on the certificates surrendered will be paid.

35. Savings deposits converted into bonds are not counted as a part of the paximum of $500 allowed one depositor, and there is no limitation upon the amount of available postul-savings bonds which may finally be acquired by a depositor.

36. Postal-savings bonds are exempt from all taxes or duties of the United States, as well as from taxation in any form by or under State, municipal or local authority.

37. Postal-savings bonds can only be procured by the conversion of posts. savings deposits. and will not be issued to persons who are not depositors, but whether in registered or coupon form they may, upon receipt by the depositor. be sold and assigned at any time to any person desired,

Information -38. Further information concerning the Postal-Savings System may be obtained by application at any depository office or by inquiry a idressed to the Third Assistant Postmaster General, Division of Money Orders, Washington, D. C.

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