STAFF - GENERAL RULES

1. Upon entering the service of the Bank every Clerk will be required to sign a Declaration of Secrecy.

No Member of the Staff shall, in the absence of proper instructions, allow any person to have access to books, letters or papers belonging to the Bank, or relating to its business, neither shall extracts therefrom be furnished, nor any information given, concerning the business or affairs of the Bank or its customers.

2. No Member of the Staff may engage in any profession, trade or business, either directly or indirectly, as principal or agent, unless special permission be first obtained from the Directors.
3. Members of the Staff are not permitted to borrow money from, or lend money to, any other Member of the Staff, or to borrow from moneylenders, or to engage in betting, gambling or speculative transactions.

No Member of the Staff may become a surety or guarantor, neither may he undertake personal liability on Promissory Notes or Bills of Exchange without permission.

4. If any Member of the Staff becomes involved in financial difficulties, from whatever cause arising, he must immediately report the matter to his Manager or Departmental Principal who should refer it to Head Office or Local Head Office for consideration.
5. Members of the Staff are not permitted to overdraw their current accounts without sanction.
6. If any Member of the Staff becomes aware of irregularities on the part of any other Member of the Staff, which in his opinion affect the interests of the Bank, he is required to give immediate information thereof to his Manager or other senior official as the case may require.
7. No Member of the Staff is permitted to derive any benefit in the course of his official duties, which might have the effect of placing him in such a position that his personal interests and his duty to the Bank would be in conflict.
8. The permission of the Branch Manager or responsible official must be obtained for any absence during hours of business.
9. If any Member of the Staff is unable to attend at the Bank in consequence of illness, or other unexpected cause, he must make known the cause of his absence as early as possible on the same day (in writing if practicable) to his Branch Manager, Departmental Principal or Local Head Office as the case may require.

If absence through illness extends to three days a medical certificate must be submitted, while in the event of protracted illness special sick leave must be obtained.

Any Member of the Staff must, if required, submit to an examination by the Bank Medical Officer.

Violation of any of these Rules will render the member of the staff liable to dismissal.

REGULATIONS: MALE PERMANENT STAFF.

Guarantee and widows' Fund,

Contribution to the Fund is compulsory on all clerks entering the service of the Bank, whether on probation or otherwise.

The Board of Directors have decided that the following scale of guarantees shall prevail throughout the Bank:-

1. Any Member of the Staff appointed to the post of Manager, Sub-Manager or Assistant Manager shall be guaranteed in the sum of �2,000.
2. All other Members of the Staff shall be guaranteed in the sum of �1,000.
3. In special cases the guarantees may be subject to variation in amount at the discretion of the Board.

The contributions are payable by half-yearly instalments 31st January and 31st July.

Copies of the Rules, Scale of Charges, and any further information regarding the Guarantee & Widows' Fund may be obtained on application to the Secretary of the Fund, at 54', Lombard Street, E.C.3.

Upon the marriage or remarriage of a Member of the Staff notice of the event should immediately be given to the Secretary of the Fund.

Holidays.

The Annual Holidays allowed, in addition to Bank and other Statutory Holidays, shall be as follows:-

(Excluding allowance for large towns).

When convenient, an additional day may be allowed to all Members of the Staff for travelling.

An extra week may be granted to any Member of the Staff who is bound by his service in the Territorial Army, Yeomanry, or similar Force, to undergo a period of annual training, provided that the required period of training extends over at least one week, and that any period of training beyond one week's duration required by the Regulations shall be taken out of the ordinary holiday allowance.

It has also been agreed to increase the annual holiday leave, if necessary, to Members of the Staff qualifying for commissions in any of the Territorial Forces. Those who intend taking commissioned rank must apply to the Staff Manager for particulars.

Insurance Agencies.

1. Applications by Members of the Staff to act as Agents for any Companies must be made, in the first instance, to the Local Head Offices, or, in the case of those Branches under Sections 1, 2 and 3, to the Staff Manager, but no Member may accept an Agency without the Board's assent.
2. Any member of the Staff appointed as an Agent will be required to divide equally with the Bank all commissions received as the result of the Agency. A separate Agency Account must be opened for each Agency, on which no interest will be allowed or commission charged; all monies received by way of premium or otherwise must be paid to the appropriate Agency Account and must not be credited to the Agent's private account.
The Bank's share of the commission must be credited to " Other Commissions."

3. The holding of an Agency which brings in a profit to the holder must not be brought forward as a reason against transfer from one Branch to another, as it will not be taken into consideration by the Board.
4. Except as provided for in paragraph 5, no Agencies may be retained by any Member of the Staff on his retirement or transfer to another Branch. Subject to paragraph 1, they may be taken over by his successor, but should the latter not desire them, they will be dealt with at the discretion of the Board.
5. The following rules are applicable to existing Agencies held by Members of the Bank's Staff prior to the 5th April, 1911, and to those Agencies which, owing to amalgamations, are held on other than the recognised terms:-
1. On the transfer of a Member from one Branch to another or on promotion to Managership at the same Branch, he must relinquish his Agencies in respect of " approved " Companies, but the Board will compensate him by a cash payment representing two years' purchase of the average commission (excluding initial commission in respect of Life Policies) received during the last three years.
2. On retirement, a Member will be compensated as above, or alternatively, he may retain his Agencies. Insurance Companies interested will be prepared to transfer the
3. No compensation will be paid until the Bank has ascertained that the Agencies to a Member of the Staff acceptable to the Board.
4. No Agency may be sold to another Member of the Staff or to any outside person.
5. Any Agency taken up subsequent to any amalgamation since April, 1911, must have the sanction of the Board and the commission must be shared with the Bank.
6. These regulations apply to all classes of Insurance business resulting from any Agency excepting strictly personal business, e.g., Insurances on the life or property of the Agent or member of his family.
7. The Insurance of the Bank's own premises will be placed by the Board in such a manner as may be thought fit, and without regard to any Agency held by any Member of the Staff at the Branch in question.

Mutual Provident fund.

This is a voluntary fund, the object of which is to ensure a payment of 4'100 or �50 immediately

after the death of a subscriber to his widow or nominee.

Further particulars may be obtained on application to the Secretary of the Fund at Head Office.

Pensions.

Pensions on the undermentioned conditions will be granted to Members of the Male Permanent Staff, provided they have attained the age of 60 at the date of retirement, or have been permitted to retire on account of ill-health before reaching that age, subject in either case to their having completed 20 years' service with the Bank.

1. An amount equal to one-sixtieth of the salary (exclusive of all allowances other than roe Residence and House Allowance) at the time of retirement, for each completed year of service. Free Residence to be computed for Pension purposes as of a value of �50 per annum and House Allowance at the amount paid, with a maximum of �50.
2. Pensions will be granted on the foregoing basis, unless at the time when a Member of the Staff retires he intimates his wish to take a smaller Pension, and to be paid:-
1. an amount during the joint lifetime of the Pensioner and his wife, and the life of the survivor of them.
2. A higher Pension than that granted under during the life of the Pensioner with a smaller amount to the wife if surviving him.
(In either of the above cases (a) or (b) the amount of the Pension shall be ascertained by actuarial calculation, and the Actuary will require a certificate from the Bank's Doctor that the Officer's health is good and his life insurable at ordinary rates.)

3. A Member of the Staff, who has served more than 40 years, may have the option of taking as Pension two-thirds of the salary at the date of retirement, and commuting the amount due for any years service in excess of 40 for a cash payment to be calculated on the expectation of life according to actuarial tables on a 5 per cent. basis.
3. No Pension will be granted to any Member of the Staff who retires before he has reached the age of 60 years except in case of ill-health.
4. No Pension will be granted to any Member of the Staff until he has completed 20 years of service with the Bank.
5. No Pension will be granted to any Member of the Staff dismissed from the service.
6. Any Member of the Staff to whom a Pension may be granted on account of ill-health shall, on again becoming fit for duty, return to the service of the Bank if required, and in case of refusal the Pension shall thereupon cease.
7. If any Member of the Staff to whom a Pension has been granted shall accept, without the consent of the Board, any other employment or remuneration or engage in any business, the Pension shall thereupon cease.
8. Any attempt to pledge as security or otherwise to anticipate a Pension or any instalment which may become payable will involve the immediate forfeiture of the Pension.
9. Consecutive years of service with any Bank incorporated under the title of Barclays Bank Limited will for the purposes above specified be computed as years of service with the Bank.
10. Pensions payable to Members of the Staff entering the service of the Bank on and after the 1st January, 1920, will be limited to the sum of �1,000 per annum.
11. Pensions paid under the foregoing Regulations will be free of Tax.
12. Pensions shall be payable only during the pleasure of the Board, and no person to whom a Pension is granted shall have any claim upon the capital, property or funds of the Bank in respect of such Pension.

The following scale is operative as from salaries. January 1st, 1927, and is subject to satisfactory reports as to conduct and efficiency.

As from the 1st January, 1926, each new entrant into the service of the Bank during any year will be deemed, for Scale purposes, to have completed one year's service on the 31st December of that year, provided he has served for a period of six months at that date.

A Special Allowance of R10 per annum, in addition to but distinct from Salary, will be made to Members of the Staff while employed in those Provincial Cities and Towns which have a population of not less than 50,000, until their Salary exceeds �380 per annum.

The Board reserve the right to amend the scale and/or allowances from time to time as they may think fit.

Childrens' Allowance.

An allowance of �15 per annum in respect of each child under 16 years of age will be made to married members of the Staff, whose salaries do not exceed �1,100.

This allowance will be extended until a child reaches 1S years of age, with the stipulation that the extended allowance is to be used for purposes of educating the child subject to the proviso that such child is not in employment or earning any remuneration.

To adjust the inequalities which would otherwise exist in certain cases where salaries are more than 01,100 a year, each �1 of salary in excess of �1,100 will be taken as cancelling �1 of Children's Allowance.

No allowance will be made in respect of children born after 31st December, 1926.

It has been decided by the Board to continue this allowance to Members of the Staff retiring on pension on and after 1st January, 1926, subject to the above conditions.

Half-Yearly or Quarterly Balance Allowance.

No payment is to be made for overtime, but the following allowances may be made for refreshments:-

1. A payment of �1 per head to those who participate in the half-yearly balance ;
2. A payment of 10/- per head to those who participate in the quarterly balance at certain Branches of the ex London Provincial & South Western Bank.

REGULATIONS: WOMEN STAFF.

Gratuities

Any Member of the Women Staff resigning to be married, having completed five years' service and not being eligible for pension, shall, subject in each case to the discretion of the Board, receive on marriage a Gratuity equal to five per cent. of her Annual Salary at the date of leaving, for each completed year of service. (No Gratuity in this respect will be paid without production of the relative Marriage Certificate, which must be forwarded within three months of the date of resignation.

A Gratuity on a similar basis will be given, subject in each case to the discretion of the Board, to any Member of the Women Staff leaving the service of the Bank on the bound of ill-health, provided she has completed five years' service and is not eligible for a pension.

In the case of those members of the existing Women Staff who entered the service of the Bank at an age which precludes them from qualifying for a pension in the ordinary way, the Board will give due consideration to each case when retirement takes place.

Holidays

The Annual Holidays allowed to Members of the Women Staff, in addition to Bank and other Statutory Holidays, shall be as follows:-

• Salaries of �230 and over or with 12 years' service or more ... 3 weeks
• Salaries of �200 and under �230 or with 8 years' service or more ... 2 weeks 3 days
• Salaries of under �200 or with less than 8 years' service ... 2 weeks

(Excluding allowances for large towns).

Completed years of service are reckoned as at 1st January.

When convenient, an additional day may be allowed to all Members of the Staff for travelling.

Pensions

Provided they have completed twenty years' service with the Bank, Members of the Women Staff will be eligible, at the age of 55, or at an earlier age if necessitated by reasons of ill-health, for a Pension of one-sixtieth of the annual salary received by them at the date of retirement for each completed year of service, subject to the following conditions:-

1. That any member of the Women Staff to whom a pension has been granted on account of ill-health, shall, on again becoming fit for duty, return to the service of the Bank, if required to do so, and in the case of refusal the pension shall cease.
2. No pension will be granted to a member of the Women Staff dismissed from the service.
3. All pensions shall be payable only during the pleasure of the Board, and any attempt to pledge as security or otherwise anticipate a pension or any instalments which may become payable will involve the immediate forfeiture of the pension.
4. No person to whom a pension is granted shall have any claim upon the capital, property or funds of the Bank in respect of such pension.

Salaries

The following scale is operative as from January 1st, 1927, and is subject to satisfactory reports as to conduct and efficiency.

As from the 20th February, 1926, each new entrant into the service of the Bank during any year will, for Scale purposes, be deemed to have completed one year's service on the 31st December of that year, provided she has served for a period of six months at that date.

A Special Allowance of �10 per annum, in addition to but distinct from Salary, will be made to Members of the Women Staff while employed in those Provincial Cities and Towns which have a population of not less than 50,000

The Board reserve the right to amend the scale and/or allowances from time to time as they may think fit.

Members of the Women Staff will, on marriage, be required to relinquish their appointments with the Bank.

REGULATIONS: GENERAL

Barclays Bank Limited "C" Shares.

The Shares are issued upon the following conditions:

1. No Member of the Staff will be entitled to apply for the Shares until he or she has completed three years' service in the Bank.
2. Those members who have been in the service of the Bank for over three years, and under seven years, and who are in receipt of a salary of less than �500 per annum, will be entitled to subscribe for and hold 50 Shares, if available.
3. Those who have been in the service of the Bank for over seven years, and who are in receipt of a salary of less than �500 per annum, will be entitled to subscribe for and hold 100 Shares, if available.
4. Those who have been in the service of the Bank for over three years, and who are in receipt of a salary of �500 per annum and upwards, will be entitled to subscribe for 100 Shares, and in addition, may apply for a number of Shares equal to 10 per cent. of that portion of their current salary in excess of �500 with a maximum of 200 Shares in all.
5. The Shares will be registered in the sole name of the Member of the Staff for whose individual benefit they are issued.
6. The Shares may not be hypothecated in any way, and will require to be surrendered at par on resignation, death or retirement from the service of the Bank.
7. The Shares, when available, will be transferred to Members of the Staff eligible to hold them, the buyer paying the accrued dividend (at the rate paid for the previous six months, less tax), from the first day of the then current half-year to the date of acquisition, and the ad valorem stamp duty on the amount of the consideration.
8. Shares will only be transferred in multiples of five.
9. Unsecured Loans up to a maximum of �100 will be granted at 4 per cent. per annum, repayable in equal monthly instalments over a period of not more than four years. In this connection regard must be given to any previous Loan granted for the purpose of acquiring " C " Shares, the intention being that no member shall be granted an advance, or advances, exceeding �100 in all.

Such Loans may be granted at the discretion of the Manager without reference to Head Office, and will be made and kept at the Branch where the applicant has his current account.

In all cases where Loans are granted for the purpose of acquiring " C " Shares, the Certificates must be held in custody by the lending Branch during the currency of the Loans.

All communications respecting these Shares should be addressed to the Registrars, 54, Lornbard Street, E.C.3.

Executor and Trustee.

The Bank is willing to act as Executor and Trustee, free of remuneration, except out of pocket expenses, for any Member of the Staff where the total net estate is under �5,000.

Income Tax on Salaries.

Income Tax on Salaries and Pensions is paid by the Bank. In calculating its liability, the Bank adopts the statutory basis for computing the liability of a single person, i.e., it deducts earned income relief, an abatement of �135, it pays upon the next �225 at half the standard rate, and upon the balance at the full rate.

Members of the Staff and Pensioners receive the benefit of all other allowances and deductions made by the Inland Revenue, as the Bank does not claim abatements given for Wife, Children, Dependent Relatives, Housekeeper, Age and Life Assurance.

The Income Tax Department will be pleased to advise the Staff and Pensioners concerning all matters relating to their Income Tax affairs.

Institute of hankers.

Because of the increasing complexity of present day banking business, the Directors attach considerable importance to Members of the Staff obtaining a theoretical as well as a practical knowledge of their duties.

In this connection, the systematic course of reading entailed in obtaining the Certificate of the Institute of Bankers is of great value, and in order to encourage Members of the Staff to take this course it has been decided to award grants as follows:

Interest on Accounts.

Interest will be allowed on credit balances kept by Members of the Staff, or their wives, or widows, being their own proper monies, as follows viz :

London Bankers' Deposit Rate, minimum per cent. on balances not exceeding 91,000. Separate accounts of husband and wife shall, for the purpose of calculated interest, be treated as one.

London Bankers' Deposit Rate, minimum 23 per cent., on amounts in excess of 91,000.

Where a member of the Staff and/or his wife has an advance, in no case should interest on Deposit or Credit Current Account be allowed at a higher rate than is paid on the advance up to the amount of such advance.

In the case of aggregate balances exceeding �1,000, interest on the excess will be allowed at London Bankers' Deposit Rate, with a minimum of 21 per cent. When London Bankers' Deposit Rate is lower than 5 per cent., the husbands' account is to receive preference. Thus, if the husband has a balance of 0800, and the wife a balance of Y.600, the husband will receive 5 per cent. on the whole of his balance, while the wife will receive 5 per cent. on X200 and London Bankers' Deposit Rate, with a minimum of 21 per cent. on Q400.

In order to avoid needless complication in calculating interest, the accounts of a husband and wife wishing to avail themselves of this privilege must be kept at the same office. No exception can be made to this regulation.

Current accounts of members of the Staff must be kept at the Branch at which they are permanently employed, and should a clerk be transferred to another Branch, his or her account must also be transferred to that Branch.

Interest is charged on approved advances at the rate of 4 per cent. per annum on the first �1,000, and at Bank rate, with a minimum of 4 per cent. on any excess.

Where a loan is granted to any Member of the Staff adequate and approved security must be deposited.

The special rates of interest allowed on accounts and charged on advances may also be made to Pensioners and Messengers, and to their wives and widows.

Life insurance.

A Scheme has been designed to enable those Members of the Staff who desire to take advantage of it, to provide in equal monthly instalments, by way of deduction from salary, for the payment of yearly insurance premiums. One-twelfth of the amount of the premium will be deducted from the salary paid each month, the first six deductions being made prior and the next six subsequent to the premium date. In calculating the premium date, allowance must be made for days of. grace, and in cases where the last day of grace falls on or after the 28th of the month, the salary deduction for that month will rank as a deduction prior to the premium date.

Members of the Staff wishing to avail themselves of the Scheme must, without exception, deposit the policy (or policies) with the Branch and sign a request on the prescribed form.

In the case of the Head Office Administration Staff, the arrangements will be carried through by the Staff Department.

National Health and Pensions Insurance.

All Members of the Staff on entering the Bank automatically come within the provisions of this insurance until their remuneration exceeds X250 per annum, after which they can continue insurance as voluntary contributors should they desire to do so. CONTRIBUTIONS (weekly) are as follows:

Full Benefits, after 104 contributions have been paid, cover:

• Medical Benefit,
• Sickness Benefit.
• Disablement Benefit, and in addition, the benefits of the Old Age and Widows' Pensions section of the Scheme, where applicable.

Rates For Exempt Persons, i.e., those who hold Certificates of Exemption by reason of a prig-ate income exceeding �26 p.a.:

Rates For Voluntary Contributors (remuneration exceeding �250 p.a. as mentioned above) :

In some cases these contributions may be increased 2d. per week for the first year.

Members of approved Societies, after approximately five years' membership, receive additional benefits according to the respective Schemes of Benefits declared by their Societies.

St, Edward's School Scholarship.

An arrangement has been entered into with the Governors of St. Edward's School, Oxford, for providing a limited number of scholarships at that school for the exclusive benefit of the sons of members of the male permanent clerical staff and pensioners of the Bank.

St. Edward's School was established in 1863 and is situated about two miles from the centre of Oxford. The school offers a first-class education for about 325 boys between the ages of 12 and 19. The school fees for board and tuition are �125 per annum, exclusive of the usual extras.

The Governors of the school, in conjunction with the Bank, are prepared to offer in each year, commencing in 1929, one scholarship of the value of �80 a year, tenable for 5 years (or such less period during which the scholar may continue at the school). The value of the scholarship will be deducted from the nominal school fees of X125 per annum, and will thus reduce the nominal fee to be paid by the parent to X45 per annum, exclusive of extras, as mentioned above.

A scholar once elected will hold his scholarship during the period above named, provided that his conduct and industry continue to give satisfaction.

It will be a necessary qualification for a scholarship that the father of the boy is either on the permanent clerical staff of the Bank or is a pensioner at the time when the candidate is entered for the scholarship.

Candidates for a scholarship in any year must have reached the age of 12 years, but must be under 14 years of age on the 1st day of May in that year.

Candidates will be required to sit for a competitive examination (to be held at St. Edward's School, Oxford, or elsewhere, as the school authorities may decide) and also to furnish references from previous schools, certificates as to character, and such further information (including medical certificate of health) as the school authorities may desire to have, and all these factors will be taken together by the school authorities when considering the award of a scholarship.

Such award will be made at the sole discretion of the school authorities. The authorities may possibly decide not to award a scholarship in any one year on the ground that none of the candidates presenting themselves was possessed of the full qualifications that are considered by the school authorities to be essential; but subject thereto, the intention would be to offer one scholarship in each of the years 1929 to 1933 inclusive, and in subsequent years, so that there might be five scholarships running in the school at one time, should the authorities think fit.

In the event of any unforeseen reduction in the full number of scholarships held, once they have been granted in accordance with the scheme, it will be open to the school authorities at their discretion to make up the scholarships to the full number at the next scholarship examination.

A scholarship does not impose upon the holder an obligation subsequently to enter the service of the Bank. On the other hand, a scholarship will not necessarily confer upon the holder the right to be admitted as a member of the staff of the Bank after leaving the school, although that factor would be taken into consideration should the scholar in due course make application for a clerkship an the Bank.

The Board of Directors of the Bank undertake no responsibility whatever, either to the school authorities or to the scholar, in connection with a boy's period of education at the school, such responsibility rests entirely in the hands of the school authorities and the parents.

The first scholarship examination will be held in June, 1929, and the first scholar will be admitted to the school in September, 1929.

Further particulars as to scholarships and prospectus, etc., may be obtained on application to the Bursar, St. Edward's School, Oxford.

Unemployment Insurance.

So far as the Banking Industry is concerned, Unemployment Insurance is transacted through the Banking Unemployment Insurance Board. The Bank Staff pay no contributions, the Bank itself covering the Staff for full benefits under the Unemployment Insurance Acts.

;In cases of unemployment, the rates of allowances paid by the Banking Unemployment Insurance Board are as follows:-

SOCIETIES, CLUBS, ETC.

The following is a copy of the Points of Interest to Bank Officials, as issued by this Institution:-

Bank Clerks' Orphanage.

1. The object of the Bank Clerks' Orphanage is the maintenance and education of children of Bank Officials deprived of a father's care and protection. Such children are ordinarily eligible for admission between the ages of six and eleven, and remain until the age of fifteen, during which period the entire cost of their clothing, maintenance, education, medical attendance, and all incidental expenses is borne by the Orphanage. In exceptional cases partial benefits only are sometimes granted. The General Committee have discretionary power to declare any candidate to be eligible before the age of six and after the age of eleven, and to allow any child to remain under their care after the age of fifteen.
2. Since the foundation of the Orphanage in 1883, six hundred and sixty-five children have been admitted to its benefits, two hundred and fourteen of whom are under its care at the present time.
3. The Orphanage has no buildings, and no uniform dress, many of the founders and subscribers disliking the idea of a badge of charity for the children of old friends and colleagues. The children are therefore placed in carefully selected public schools or private boarding schools, where they receive an excellent education, and in no respect is any distinction made between them and the other pupils. This plan is, and always has been, found to work admirably. The benefits received by these children extend in many cases over a period of ten years.
4. A child whose father was a duly registered annual subscriber of 5s. or upwards, and was employed on the permanent staff of a bank, is eligible for the benefits of the Orphanage provided the case is considered by the Committee to be necessitous. A donation, whether through the New Year's Offering or otherwise, does not make the donor an annual subscriber.

Owing to the heavy calls on the funds, the Committee have found it necessary to adhere rigidly to the regulation that applications on behalf of children of fathers who were not registered annual subscribers cannot be entertained.

5. The claims of children of the large number of subscribers who lost their lives in the great war have added to the responsibilities of the Committee, who find it urgently necessary to increase the income of the Orphanage. They confidently look for the further financial support which is required from every member of the staffs of our Banks to ensure that these little ones shall be adequately maintained and educated.
6. The Committee urgently appeal for a considerable accession of Members at one guinea per annum and Annual Subscribers of at least the minimum of 5s. ; and those friends who are willing so to subscribe will oblige by notifying the Local Representative, and paying their initial subscriptions to him separately.

The total of subscribers now enrolled is 27,765, or only about one-third of the number of Bank Officials throughout the Kingdom. Evidently many have not yet realised the importance of supporting an Institution devoted entirely to the interests of the children of Members of the Staff, and the Committee desire to emphasise that the minimum annual subscription has purposely been fixed at the small sum of 5s. so as to be within the means of every member of a Bank's Staff.

7. In most Bank Offices someone will be found who is interested in the Bank Clerks' Orphanage and to whom anyone wishing to become a subscriber may apply. Failing this, subscriptions may be sent to the Secretary at 5, Bishopsgate, E.C.2. They will then be duly registered as " Subscribers " in the books of the Orphanage, a formal receipt will be sent to them, and their children will become eligible accordingly. The Committee will be glad to hear from gentlemen who are prepared to act as Local Representatives at Branch Banks where the Orphanage is at present not represented.
8. Suggestions are sometimes sought from Bank Officials by customers and others as to the disposal of sums it is wished to devote to philanthropic purposes. In all such cases it is hoped that the claims of the Orphanage will be borne in mind.

Dramatic Society.

The Bank's Dramatic Society has existed for many years, the principal object being to further the interests of the Bank Clerks' Orphanage.

The performances, however, have been to a certain extent intermittent, owing to the difficulty of obtaining the use of a West End theatre.

The management is in the hands of a few of the officers of the Bank, who have been for a number of years the principal participants in the performances.

Musical Society.

The object of this Society is to encourage musical talent among the Staff.

Subscriptions, due 1st of October yearly, are:

• For Patrons (which includes two 5/9 tickets for each Concert) �1 : 2s : 6d
• For Hon. Members (Class A) (which includes two 2/4 tickets for each Concert) 5s : 9d
• For Hon. Members (Class B) (which includes two 3/- tickets for each Concert) 8s : 6d
• For Active Members, Choir or Orchestra (which includes two 3/- tickets for each Concert) 8s : 0d

Concerts are given twice a year.

Patrons and hon. members are at liberty to attend any of the rehearsals.

For full particulars apply to the Hon. General Secretary-. Musical Society, 54, Lombard Street, E.C.3.

Operatic Society.

Membership is confined to the Staff of the Bank.

The Subscription is five shillings each season (two operas).

Rehearsals held in Ladies' Dining Room at 54, Lombard Street, on Tuesdays, at 5.45 p.m., and for Principals on Fridays, at 5.45 p.m.

For full particulars apply to Hon. Secretary Operatic Society, 54, Lombard Street, E.C.3.

Sports Club.

COLOURS:-Black and Pink.

The Grounds of the Club are situate at: Hanger Lane, Ealing. London Road, Norbury. Private Banks, Catford. ;

The subscriptions to the sections of the Club are as follows:

Billiard and ping-gong tournaments, dances and concerts will be held at the Ealing Pavilion during the winter.

Further particulars may be obtained from the Hon. General Secretary, Sports Club, 54, Lombard Street, E.C.3.

Staff Association - Objects

The objects of the Association are:

1. To act through its Executive Committee as the officially recognised medium for representation by the Association to the Board of Directors and Management of the Bank on all matters affecting the Staff.
2. To foster a spirit of mutual dependence and trust between the Staff and the Directorate and Management.
3. To further the interests of the Bank and the Staff.

Management.

The affairs of the Association are managed by an Executive Committee.

For the purpose of electing the Executive Committee the system is divided into 27 areas.

Nominations to membership of the Executive Committee are made by and from members of the Staff Association employed in the area which they represent, and such nominations must be signed by at least six members of the Association.

If there is more than one nomination in any area the election is by ballot, and is conducted by the Secretary of the Staff Association, who certifies to the Committee and to the District concerned the name and Bank address of the elected member.

One-third as near as possible of the members of the Executive Committee retire from office by rotation each year, and all retiring members are eligible for re-election.

An Election for Representatives to fill the vacancies on the Executive Committee is held annually in March.

Membership

The membership of the Association is confined to the Managerial and Clerical Permanent Active Staff of the Bank, whether men or women. Each such member of the Staff is deemed to be a member of the Staff Association unless he or she gives one month's written notice of resignation to the Secretary of the Association.

Having resigned, he or she shall be entitled to resume membership upon application.

Boots Library

Special reductions are allowed by this Library to members of the Staff Association.

Particulars and Application Forms may he had from the Hon. Secretary, Staff Association, 54, Lombard Street, E.C.3.

Deferred Annuities

There is an arrangement with the Atlas Assurance Company by which any member of the Women Staff can augment her pension by an annuity, or a capital payment, on retirement by the payment of a small monthly premium.

A special feature of the scheme is that, if the premiums are discontinued at any time the whole of the premiums paid, together with compound interest thereon, are returned to the Subscriber.

Full particulars may he obtained from the Hon. Secretary, Staff Association, 54, Lombard Street, E.C.3.

Fire, etc. Insurance.

A special comprehensive policy on favourable terms has been arranged with a well-known Insurance Company covering buildings and contents of private dwelling houses owned or occupied by members of the Staff.

For further particulars apply Hon. Secretary, Staff Association.

Medical Specialists.

Arrangements have been made with eminent medical and surgical specialists in London for advice at nominal fees.

Applications should be made to the Hen. Secretary, Staff Association, 54, Lombard Street, E.C.3.

Motor Insurance.

Substantially reduced annual premiums have been arranged under a comprehensive Lloyds' Policy.

Full information and Proposal Forms may be had from the Hon. Secretary, Staff Association, 54, Lombard Street, E.C.3.

Sickness and Accident Insurance.

This scheme was initiated to insure the Staff against heavy expenses incurred in connection with illnesses, operations, Nursing Home, Hospital, or Nursing fees.

The following are the persons eligible to become subscribers:-

1. Any male member under 50 years of age.
2. Any woman member of the Staff, or the wife of any male member, under 45 years of age.
3. Any children or dependent step-children (under the age of 18 years or under the age of 16 if engaged in employment) of any member of the Staff.
4. Any unmarried daughter (under the age of 25 living at home and not engaged in employment) of any member of the Staff.

Subscriptions, as under, are payable on the 15th November yearly

The Benefits which accrue to subscribers consist of Medical fees up to �50 in one year (on the condition that the insured bears the first �5, or, in the case of husband and wife, the first �0 :10s. of their joint bills) surgical expenses up to �25 in one year, Nursing Home expenses up to �50 in one year, Specialist Consultant fees up to �10 in one year, and Surgical Appliances up to �10 in one year.

The benefits are insured with The Yorkshire Insurance Company, Ltd., Bank Buildings, Princes Street, London, E.C.2.

Further particulars may be obtained from the Hon. Secretary, Staff Association, 54, Lombard Street, E.C.3.

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