INDEX 173 
tions of Board of Trustees relating to, 110 et seq.; table show 
ing percentage amounts of, 108. 
District bonds, as security for deposits of postal savings funds, 
122-124. 
Division of Postal Savings, creation of, in 1913, 51-52. 
Dockery, A. M., Third Assistant Postmaster-General, cited, 75, 
79, 90, 97-98, 100. 
Emergency credits of postmasters, abolition of, in 1913, 116-119; 
provision for, in 1910, 26-27. 
Employees of postal savings system, payment of, 52. 
Expenses of postal savings system, 90-91. 
Farm loan bonds, as security for deposits of postal savings 
funds, 124. 
Federal Reserve Act, prohibits non-member banks acting as de 
pository banks, 112-113; restrictions of, modified in 1916, 115- 
116; veto of amendment to, in 1914, 87, 114-115. 
Federal Reserve system, banks of, as depositories of postal 
savings funds, 112 et seq. 
Gallinger, Senator J. H., cited, 91. 
Guaranty of bank deposits by State laws, 4. 
Hawaiian bonds, as security for deposits of postal savings funds, 
122-124. 
Hawaiian postal savings system, 2. 
Hitchcock, Senator G. M., cited, 93-94. 
Hoarded money, brought out by postal savings system, 19-20, 
75-79, 88. 
Individual deposits in cities, 73-74. 
Interest paid by depository banks, determination of rate of, 124- 
125; provisions for, in Act of 1910, 36, 44, 107; rate and amount 
of, 102. 
Interest paid on postal savings deposits, advisability of changing 
regulations relating to, 104-105; amount of, compared with 
interest received by Government from depository banks, 102- 
103; method of determining rate of, 31-32; regulations of Board 
of Trustees relating to, 99-101; selection of rate of, 31-35. 
Investment of postal savings funds, in depository banks, 106 et 
seq.; in U. S. bonds, 41-44, 48-49, 106-109; problem of, 35-36; 
provisions for, changed in 1916, 108-109; provisions for, in Act 
of 1910, 36, 41-45. 
Keene, C. B., Director of Division of Postal Savings, cited, 57-58, 
78-79, 97, 113. 
Limitations on size of postal savings deposits, arguments against,