Granting that Savings Bank clerks may be subdued after Mr. Craig's or some other fashion, it would still appear that the indispensable requisites to a complete uniformity of accounts must be something like uniformity in the distinctive principles and practices of Savings Banks. We refer to such matters as the limitation in the amount of deposits, the rate of interest, notices of withdrawal, &c. The question of the limit of deposits was discussed before the Committee. _Mr. Meikle_ and _Mr. Sturrock_ objected to any alteration in the limit of deposits which for many years had stood at 30_l._ for any one year, and 150_l._ in all. _Mr. Boodle_ thought the annual limit should be increased to 50_l._, and the total deposits to 250_l._ _Mr. Finney_ wished it to be at 50_l._ and 200_l._ respectively. _Mr. Saintsbury_ and _Mr. Maitland_ agreed with Mr. Boodle, provided the rate of interest were reduced, and there were ready access to the public funds. Then as to the rate of interest itself, _Mr. Maitland_ said that the highest rate of interest that can safely be offered should be given for small savings, "though," he said, "_lowering_ the rate would bring Savings Banks back more to what they were intended to be." He also thought the rate should vary according to the market rate of interest. _Mr. Boodle_ objected to a fluctuating rate. _Mr. Meikle_ was of opinion that a fixed rate of three per cent. should be given. _Mr. Craig_ said a rate of 2_l._ 17_s._ or 2_l._ 18_s._ was satisfactory to depositors. _Mr. Wortley_ thought three per cent. a fair rate of interest. _Mr. C. W. Sikes_ suggested that the interest to depositors should be three per cent. on sums up to 100_l._, and two per cent. over that sum. He thought a low rate of interest would not deter the working man from Savings Banks. If we turn from this theorizing to what was the practice of different Savings Banks in this and other particulars, we shall find diversities of operation which not only account for so much difference of opinion, but which rendered unanimity of action almost impossible. It was then, and is still, a very popular notion, that the Savings Banks proper pay a uniform rate of interest of three per cent. per annum; nothing can be more mistaken. When the enactment was passed establishing the still existing rate, it was generally considered in Parliament that five shillings per cent. was ample enough to pay all expenses of management; but the fact is, double that amount has not sufficed in some cases. In 1857 there were, according to a Parliamentary Return, no less than thirty-two different rates of interest paid by Savings Banks managers, and had the Return embraced a much more recent period the same diversity would have been shown. Thus, in that year--