(5) Transfers from the Whole Life to the Endowment Assurance class or vice versa should be allowed only after any number of complete years' premia have been paid. (6) When surrender values were granted in the Monthly Allowance class, medical examination at the policy holder's expense should be insisted on and payment should in no case exceed 95 per cent of the present value of the monthly allowance. (7) Policy holders should be allowed to commute future premia by payment either of a lump sum or of an increased monthly premium ceasing at age 50 or 55. (8) Transfers from the Endowment Assurance to the Whole Life class should be allowed only on the production of a fresh medical certificate obtained at the policy holder's expense. (9) The valuations of the Fund should be made at quinquennial intervals. It was also decided that, as an Actuary had been appointed by the Government of India, all questions relating to the administration of the Fund, as well as future valuations of the Fund, might be dealt with by that officer instead of being submitted to the Secretary of State. INDEX Abolition of District Post, 20 Abolition of Sea Post Office, 135 Abolition of unpaid postcards, 7 Abor Expedition, 1894, 220 Abor Expeditionary Force, 1911-12, 231 Abyssinian Expedition, 210 Accounts, Postal, 36 Act, Post Office. _See_ Post Office Act Address, Forms of, 89, 98 Aden, Military operations in neighbourhood of, 175 Aden, Transhipment of mails at, 130, 133 Admiralty Agents, 127, 129, 130 Afghanistan Expedition, 168, 211 Anche, The, 112, 116 Anchel, The, 112 Aviation, 125 Bagdad Railway, 148, 149 Baku, Field service in, 174 Bank, Savings, 81 Base office, 166, 169, 175 Base Postal Depot, 175 Bazar Valley Field Force, 230 Beadon, Mr., 21 "Bearing" correspondence, 7, 25, 34, 158, 160 Bhangy post, 26, 29, 33, 48 Black Hole of Calcutta, 108, 200 Black Mountain Expedition, 217 Black Mountain or Hazara Field Force, 215 Bombay G.P.O. building, 108 Bombay Regulation XI of 1830, 26 Branch office, 4 Brindisi as European port for Indian mails, 124, 182 British India Steam Navigation Company, 138, 142 British Mission Escort in South Persia, 175 British postal orders, 42 Buildings, Post Office, 106 Bullock train, 154, 168, 196 Buner Field Force, 223 Bungalows, Dak or Travellers', 17, 196 Burlton, Mr. S. P., 14 Burma, Chin Expedition, 215 Bushire Force, 174 Calcutta, Black Hole of, 108, 200 Calcutta G.P.O. building, 108, 200 Camel dak, 209 Cape route to India, The, 118, 123 Cash certificates, Five-year, 87 Cash on Delivery system, 40, 46, 50, 51 Caste, 101 Centres, Delivery, 102 Chin Expedition, Burma, 215 Chin Hills Expedition, 218 Chin Lushai Expedition, 216 China Expeditionary Force, 226 Chitral Relief Force, 221 "Clubbing," 24