The cashier, therefore, pays John Jones £1 19s. 10d. in cash, and gives him a new receipt, dated 9th December, for £200. A depositor, as a rule, draws his interest twice a year. Some persons, however, leave their receipts from three to five years without disturbing them; and the bank-manager, always anxious to swell the profits of his branch, is careful, when they are presented, to make his calculations at simple interest instead of at compound. Deposit customers, therefore, even when they do not require the interest due to them, should present their receipts six months after date in order to have the interest added to the principal, when both bear interest together. For instance, assuming that John Jones had not required his interest, then he would have taken a new note for £201 19s. 10d.; but Mr. Jones, who is acquainted with the internal economies of a bank, and who is also aware of the intense frugality of the agent, knows that the companies do not allow interest upon the odd shillings of a deposit-receipt; so, giving the cashier an additional twopence, he takes a fresh note for £202, and walks away very well satisfied with himself. Were he to omit taking this precaution each half-year, and to hold his receipt for, say, five years, then, when he took it in, he would merely get certain rates upon £200 for five years. The larger the principal the greater, of course, is the loss of interest to the depositor. Should not the depositor reside in the neighbourhood he can, after the expiration of six months, write his name on the back of the note and send it through the post to his banker, with the request that a new receipt be returned to him for the amount of the principal and interest. In the event of his wishing to draw the interest, a banker will send him either a draft or postal orders for the amount due to him, as he may direct. Of course, if he at any time require part of the principal, he will state what amount, and give directions whether the interest is to be added to the new receipt for the balance or to be included with the sum he is withdrawing, while he will take care to write his name upon the back of the note before despatching it. When sending a receipt by a messenger it is usual to write a note to the banker, telling him just what one requires and requesting him to pay the bearer of the letter. Where interest amounting to £2 and over is withdrawn, the deposit-receipt must have on the back a penny postage stamp, which the depositor should cancel by writing his name across it. This must be done upon each note when the depositor has a plurality of receipts. Where, however, the interest upon any one is less than £2, a stamp is unnecessary. Nor is it required when the depositor adds principal and interest together and takes a fresh note for the aggregate, but where principal and interest or principal or interest amounting to £2 or over is _withdrawn_, the receipt must bear a penny stamp.