_Additions to the laws of March 16^{th} 1865 instituting a
General, Savings Bank, and of March 30^{th} 1879, codifying the
postal legislation._
ARTICLE 1.--The Savings Bank is authorised to organise, with the
assistance of the postal administration, a service of cheques and of
clearing in current accounts in the interest of those depositors who
shall satisfy certain conditions in virtue of the present law.
ART. 2.--This service shall have a distinct and separate administration
to that of the Savings Service; the bookkeeping operations to which it
gives rise shall be centralised at the Savings Bank in Brussels.
ART. 3.--All participation in this service by the opening of a current
account shall be voluntary; withdrawal shall always be possible.
ART. 4.--Royal decrees shall determine:
1. The general conditions of admission and particularly the minimum
of deposit which shall be required of every adherent and which shall
remain non-withdrawable so long as his participation in the service
shall continue; the carrying out of his withdrawal;
2. The conditions and the forms under which the Savings Bank shall
receive deposits of third parties and payments on account of adherents,
either directly or by the intermediary of the postal administration;
3. The rules according to which the adherents shall be able to
dispose of the free balance of their account, by means of cheques and
clearings; the conditions and the forms of the cheques given out; the
arrangements made to prevent errors and frauds; the intervention of
the postal administration in the payments or repayments effected on
account of the adherents;
4. The rules which will permit the accounts to be kept from day to day
and to enable the account holders to know the condition of affairs in a
regular manner;
5. The formation of a reserve sufficient to assure the regularity of
the operations;
6. The rate of interest which shall be given to the funds placed in the
cheque and clearing service;
7. The constitution of a reserve destined to cover the eventual losses
of this service;