doing business in this Colony, paid by the maker direct to his immediate creditor, or a promissory note, bill of exchange, bond, or other undertaking for the payment of money paid or delivered by the maker thereof to his immediate creditor, and is not designed to circulate as money or as a substitute for money.

5. No bank shall charge any discount or commission for cashing any official cheque of the Government of Newfoundland, or of any department thereof, whether drawn on itself or on another bank.

of

any

6. Any person feeling himself aggrieved by the judgment or order Court of summary jurisdiction under this Chapter, in which a sum of twenty-five dollars or upwards is involved, shall have the right to appeal therefrom to the Supreme Court at its next sittings in St. John's, or on circuit nearest to the place where the offence shall have been committed: Provided that notice of such appeal be given to such magistrate within four days after such order or judgment shall have been made or given; and provided recognizances or other security, satisfactory to the magistrate or justice who shall have tried the case, be entered into within the same period for the prosecution of such appeal without delay, and for the payment of the penalty imposed in case such order or judgment be sustained, and all costs.

1. It shall be lawful for the Governor in Council to cause to be issued a supply of notes hereinafter called "Cash Notes," for the purpose of making payments in connection with the Road, Marine Works, and Permanent and Casual Poor Services of the Colony, as hereinafter limited and provided.

2. The said notes shall be in forms to be prescribed by the Governor in Council. The said notes shall be payable to bearer on demand. The said notes shall be for the following amounts or values, namely: Twentyfive cents, fifty cents, one dollar, two dollars, and five dollars. The said notes shall bear the lithographed fac simile of the signature of the Colonial Secretary and of the Minister of Finance.

3. A supply of said notes equal in their face value to the amount granted by the Legislature to each of the several services indicated in section 1 shall be furnished from the Treasury to the Departments of Marine and Fisheries, Public Works and Public Charities, and the notes so furnished shall be debited against the Board, Commissioners or Relieving Officers, as the case may be, to whom such department shall allocate them, and shall be pro tanto a payment and discharge of the said grant or allocation to cach Board, Commissioner or Relieving Officer.

4. The chairman of each of the said respective Boards, the said Commissioners, and the said Relieving Officers, respectively, shall issue the said Cash Notes in payment for labor, material, relief of permanent and casual poor, and other obligations incurred by them by reason of their office.

5. A supply of said notes in face value to the amount of any alloca

tion by the Department of Public Works on account of main lines of roads. shall be furnished to the engineer, inspector or commissioner, who may be in charge of any work in constructing, improving or repairing any main line of road or any bridge or other work thereon, and the various provisions contained in the Chapter with respect to such notes, when furnished to a Board of Commissioners on account of local roads, shall apply to such notes when furnished to such engineer, inspector or commissioner on account of main roads.

6. The said Cash Notes shall be payable upon presentation at the Bank named in the said notes, and every note on payment shall be immediately cancelled, and shall, after the lapse of one year from the close of the financial year in which they are issued, be destroyed in the presence of the Auditor General.

7. The sums appropriated by the Legislature to local and main roads, marine works and permanent and casual poor, shall be held and applied to the payment of the said Cash Notes or so many of them as may have been issued to the several Departments referred to in section 3. When any of the said Cash Notes have been furnished by the Treasury Department to any of the said departments on account of the services referred to in section 1, a cheque for the amount so furnished shall forthwith be drawn upon the funds of the department in some bank and the amount of the said cheque shall be forthwith placed by the Finance Minister to the credit of a Cash Note repayment account in some bank. The fund so created shall be a trust fund for the repayment of such Cash Notes and shall be held by the bank for the sole purpose of paying such notes when presented, but interest upon the said fund may be allowed and paid from time to time into the Newfoundland Exchequer Account.

8. The said Cash Notes shall pass current and be a legal tender in currency to the amount of the face values thereof respectively.

9. The Governor in Council shall have power to make rules and regulations for the governance of the Chairman and members of the several Road Boards, Commissioners of Roads, Commissioners of Marine Works, and Relieving Officers of the Colony in relation to the keeping of accounts, directing the making and furnishing of returns and statements relating to the expenditures under such Boards, Commissioners or Relieving Officers, and prescribing the forms of such returns and statements and the manner in which the persons by whom they shall be certified or attested. The Governor in Council shall also have power at any time to direct the Auditor General to examine and audit the books and accounts of any

Board, Commissioner or Relieving Officer, for which purpose the Auditor General shall have the right to require the production of all necessary books, accounts, vouchers, correspondence and papers by the Chairman, Commissioner or Relieving Officer, or any other person having possession or custody thereof, and to require the attendance before him for examination of any person having or supposed to have information relevant to or necessary for such examination or audit.

10. The Governor in Council shall have power to withhold from any Road Board, Road Commissioner, Commissioner of Marine Works or Relieving Officer making default in the furnishing of returns or statements, or whose accounts, returns or statements are incorrect or unsatisfactory, any part or proportion of any legislative vote or appropriation to be expended by or under such official or officials until such returns or statements are made and are found to be correct and satisfactory.

11. The residue of such notes remaining unissued in the Treasury after the several departments shall have been supplied with the quantity required by them shall, at the expiration of each financial year, be checked by the Auditor General and destroyed in his presence.

1. This Chapter may be cited for all purposes as "The Money Lenders Act."

2. In this Chapter "money lender" includes every person (whether an individual, a firm, a society, or a corporate body) whose business is that of money lending, or who advertises or announces himself or holds. himself out in any way as carrying on that business; but does not include any person bona fide carrying on the business of banking or insurance or any business in the course of which and for the purpose whereof he lends money at a rate of interest (including any payment or deduction by way of premium, fine, or foregift) not exceeding ten per cent. per annum.

3. (1) Where proceedings are taken in Court by a money lender for the recovery of money lent after the passing of this Chapter or the enforcement of any agreement or security made or taken after the passing of this Chapter, in respect of money lent either before or after the passing of this Chapter, and, it appears to the Court that the interest charged in respect of the sum actually lent is excessive or that the amount charged for expenses, inquiries, fines, bonus, premiums, renewals or any other charges, are excessive, or that, in either case, the transaction is harsh and unconscionable, or is otherwise such that a Court would. give equitable relief, the Court may re-open the transaction and take an account between the money-lender and the person sued.

(2) The Court may, notwithstanding any statement or settlement of account or any agreement purporting to close previous dealings and create a new obligation, re-open any account