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Friday, 28 November 1986
Page: 4014

Bill returned from the Senate with amendments.

Ordered that the amendments be taken into consideration in Committee of the Whole House forthwith.

Consideration of Senate's amendments.

Senate's amendments-

No. 1-Page 1, clause 1, line 5, after ``Cheques'', insert ``and Payment Orders''.

No. 2-Page 1, clause 2, lines 6 and 7, leave out the clause, insert the following clause:

Commencement

``2. This Act shall come into operation on such day as is, or on such respective days as are, fixed by Proclamation.''.

No. 3-Page 2, sub-clause 3 (1), after definition of ``bearer'', insert the following definitions:

`` `building society' has the same meaning as in the Financial Corporations Act 1974;

`credit union' has the same meaning as in the Financial Corporations Act 1974;''.

No. 4-Page 2, sub-clause 3 (1), after definition of ``drawee bank'', insert the following definition:

`` `financial institution' means a bank or a non-bank financial institution;''.

No. 5-Page 2, sub-clause 3 (1), after definition of ``issue'', insert the following definition:

`` `non-bank financial institution' means-

(a) a building society or credit union that is a registered corporation within the meaning of the Financial Corporations Act 1974; and

(b) any other registered corporation within the meaning of that Act, being a registered corporation prescribed, or included in a class of registered corporations prescribed, for the purposes of this definition;''.

No. 6-Page 3, sub-clause 6 (2), line 24, after ``90 to 95 (inclusive)'', insert ``, 96A, 96B, 96d''.

No. 7-Page 4, sub-clause 13 (2), line 33, leave out ``drawee bank'', insert ``bank on which the instrument containing the order is drawn''.

No. 8-Page 4, sub-clause 13 (2), line 34, leave out ``containing the order''.

No. 9-Page 5, sub-clause 15 (4), lines 29 to 31, leave out the sub-clause, insert the following sub-clause:

``(4) Where an instrument contains-

(a) an order to pay a specified sum; and

(b) an order to pay not more than a specified sum,

the instrument shall be taken to require payment of the lesser of the sums so specified.''.

No. 10-Page 18, sub-clause 62 (1), line 28, leave out ``bank'', insert ``financial institution''.

No. 11-Page 20, sub-clause 65 (1), line 29, after ``place'' (last occurring), insert ``in relation to cheques''.

No. 12-Page 20, paragraph 65 (2) (a), lines 31 to 35, leave out the paragraph, insert the following paragraph:

``(a) one or more of the following, namely:

(i) the cheques in relation to which the place is to be a designated place for the purpose of sub-section 62 (1);

(ii) the cheques in relation to which the place is to be a designated place for the purpose of sub-section 62 (6);

(iii) the cheques in relation to which the place is to be a designated place for the purpose of sub-section 62 (9);''.

No. 13-Page 23, sub-clause 68 (2), line 27, leave out ``bank'' (last occurring), insert ``financial institution''.

No. 14-Page 23, paragraph 68 (3) (d), line 38, leave out ``bank'' (first occurring), insert ``financial institution''.

No. 15-Page 23, sub-clause 68 (3), line 39, leave out ``bank'' (last occurring), insert ``financial institution''.

No. 16-Page 23, sub-clause 68 (3), line 40, leave out ``bank'', insert ``financial institution''.

No. 17-Page 24, sub-clause 68 (4), lines 4 and 5, leave out ``relevant bank'' (thrice occurring), insert ``relevant financial institution''.

No. 18-Page 29, clause 87, at end of clause, add the following new sub-clause:

``(2) The reference in sub-section (1) to the drawer of a cheque does not include a reference to a drawer of a cheque who is also the drawee bank.''.

No. 19-Page 32, after clause 96, insert the following new Parts:

``PART VIA-SPECIAL PROVISIONS RELATING TO NON-BANK FINANCIAL INSTITUTIONS

``Division 1-Presentment and collection of cheques by non-bank financial institutions

Non-bank financial institution to ensure cheques presented promptly

``96A. (1) Subject to section 59, where the holder of a cheque lodges the cheque with a non-bank financial institution for collection for the holder, the non-bank financial institution shall ensure that the cheque is duly presented for payment on its behalf as soon as is reasonably practicable and, if the non-bank financial institution fails to do so, it is liable to the holder for any loss that the holder thereby suffers.

``(2) Where the drawee bank makes a request under sub-section 62 (5) in relation to the cheque, the cheque shall, for the purposes of sub-section (1), be deemed not to have been duly presented for payment unless, and until, the request is complied with.

``(3) In determining, for the purposes of sub-section (1), whether the non-bank financial institution failed to ensure that the cheque was duly presented for payment on its behalf as soon as was reasonably practicable, regard shall be had to-

(a) the fact that the instrument is a cheque and that it is reasonable to expect a cheque to be presented for payment promptly;

(b) the means that were available to it for having the cheque duly presented on its behalf;

(c) the relative speed, reliability and cost of those means;

(d) the usage of financial institutions in relation to the presentment of cheques;

(e) in a case where a request under sub-section 62 (5) was made in relation to the cheque-the following matters, namely:

(i) the making of the request;

(ii) the nature of the request;

(iii) whether or not the bank to which the request was made had actual possession of the cheque;

(iv) whether or not the request was complied with;

(v) if the request was complied with-the time within which the request was complied with and the means by which the request was complied with;

(vi) the means that were available for complying with the request;

(vii) the relative speed, reliability and cost of those means;

(viii) the usage of financial institutions in relation to requests under sub-section 62 (5); and

(f) any other facts of the particular case, including-

(i) the nature of the cheque and, in particular, but without limiting the generality of the foregoing, the date of the cheque (if any) and the sum ordered to be paid by the cheque; and

(ii) whether any delay in presenting the cheque was-

(A) caused by circumstances beyond the control of the non-bank financial institution; and

(B) not imputable to default, misconduct or negligence on the part of the non-bank financial institution.

Protection of non-bank financial institution collecting cheque for customer

``96B. (1) Where-

(a) a non-bank financial institution, in good faith and without negligence-

(i) receives payment of a cheque for a customer; or

(ii) receives payment of a cheque and, before or after receiving payment, credits a customer's account with the sum ordered to be paid by the cheque; and

(b) the customer has no title, or has a defective title, to the cheque,

the non-bank financial institution does not incur any liability to the true owner by reason only of having received payment of the cheque.

``(2) Where-

(a) a non-bank financial institution-

(i) receives payment of a cheque for a customer; or

(ii) receives payment of a cheque and, before or after receiving payment, credits a customer's account with the sum ordered to be paid by the cheque;

(b) the cheque is a cheque drawn payable to order that has not been transferred by negotiation; and

(c) the name specified in the cheque as the name of the payee-

(i) is the same as the name of the customer;

(ii) is the same as a business name or trade name of the customer; or

(iii) is so similar to the name of the customer, or a business name or trade name of the customer, that it is reasonable in all the circumstances for the non-bank financial institution to have assumed that the customer was the person intended by the drawer to be the payee,

the non-bank financial institution shall not be treated, for the purposes of sub-section (1), as having been negligent by reason only of its failure to concern itself with the absence of, or irregularity in, an indorsement of the cheque by the customer.

Rights of non-bank financial institution collecting order cheque not indorsed by payee

``96C. Where-

(a) the payee of a cheque payable to order, without indorsing the cheque, lodges the cheque with a non-bank financial institution for collection for the payee; and

(b) the non-bank financial institution gives value for, or has a lien on, the cheque,

the non-bank financial institution has such rights (if any) as it would have had if, before the lodgment of the cheque with it, the payee had indorsed the cheque in blank.

``Division 2-Agency cheques

Agency cheques

``96d. (1) Where-

(a) the drawer of a cheque is a non-bank financial institution; and

(b) the cheque was, at a time when it was wanting in a material particular necessary for it to be, on its face, a complete cheque, delivered by the non-bank financial institution to a customer pursuant to an agreement under which the customer was authorised to fill up the cheque,

then, unless the cheque is signed by the customer-

(c) the customer is not liable on the cheque; and

(d) the customer's account with the non-bank financial institution may not be debited with the sum ordered to be paid by the cheque.

``(2) If the cheque is signed by the customer, then-

(a) as regards the holder or an indorser, the following provisions apply, namely:

(i) the non-bank financial institution shall be taken-

(a) not to have drawn the cheque; and

(b) not to have signed the cheque;

(ii) the customer shall be taken-

(a) to have drawn the cheque; and

(b) to have signed the cheque as drawer; and

(b) as regards the customer, the non-bank financial institution shall be taken to have the same duties and liabilities, and the same rights, in relation to the cheque as it would have had if-

(i) the customer had drawn the cheque;

(ii) the cheque were addressed by the customer to the non-bank financial institution;

(iii) the cheque were drawn against the customer's account with the non-bank financial institution;

(iv) the non-bank financial institution were a bank;

(v) in a case where the drawee bank pays the cheque to a person-the non-bank financial institution had paid the cheque to the person; and

(vi) in a case where the drawee bank dis- honours the cheque-the non-bank financial institution had dishonoured the cheque.

``PART VIb-PAYMENT ORDERS

``Division 1-General

Payment order defined

``96e. (1) A payment order is an unconditional order in writing that-

(a) is addressed by a person to another person (being a non-bank financial institution);

(b) is signed by the person giving it;

(c) requires the non-bank financial institution to pay on demand a sum certain in money; and

(d) clearly bears the words `payment order' on the front of the instrument.

``(2) An instrument that does not comply with sub-section (1), or that orders any act to be done in addition to the payment of money, is not a payment order.

Form of payment orders

``96f. In determining whether an instrument is a payment order, sections 11 to 15 (inclusive) and sub-section 16 (3) apply as if-

(a) references in those provisions to a bank were references to a non-bank financial institution; and

(b) the reference in sub-section 16 (3) to a cheque were a reference to a payment order.

Application of the rules of the common law

``96g. (1) The rules of the common law (including the law merchant) that apply in relation to cheques apply, mutatis mutandis, in relation to payment orders.

``(2) For the purposes of the application of the rules of the common law in relation to payment orders, a member of a building society or credit union shall be taken to be a customer of the building society or credit union, as the case may be.

Application of Act to payment orders

``96h. (1) This Act (other than sections 10 to 15 (inclusive), sub-section 16 (3) and sections 61 to 68 (inclusive), 96a to 96d (inclusive), 101 and 102) applies, subject to the modifications set out in the Schedule, in relation to payment orders as if-

(a) references (other than in this Part and the Schedule) to a cheque were references to a payment order; and

(b) references (other than in the definitions of `bank' and `financial institution' in sub-section 3 (1), this Part and the Schedule) to a bank were references to a non-bank financial institution.

``(2) Without limiting the generality of sub-section (1), sub-section 7 (4) and section 18 apply in relation to an instrument that is signed, but otherwise wanting in a material particular necessary for the instrument to be, on its face, a complete payment order, as if references in those provisions to a cheque were references to a payment order.

``(3) For the purposes of the application of this Act in relation to payment orders in accordance with sub-section (1), a member of a building society or credit union shall be taken to be a customer of the building society or credit union, as the case may be.

``Division 2-Presentment of payment orders

Due presentment of payment order defined

``96i. (1) Subject to sub-section (2), a payment order is duly presented for payment if a demand for payment of the payment order is made, in accordance with section 96j or 96k, on the drawee non-bank financial institution by or on behalf of the holder.

``(2) Where a demand for payment of a payment order is made before the date of the payment order arrives, the payment order shall not, by reason of the demand, be taken to have been duly presented for payment.

Presentment of payment order by financial institution

``96j. (1) A financial institution (in this section referred to as the `collecting financial institution') may, on behalf of a customer, another financial institution or otherwise, present a payment order for payment by making a demand for payment of the payment order on the drawee non-bank financial institution at-

(a) the proper place in relation to the payment order; or

(b) a place that is a designated place in relation to the payment order for the purposes of this sub-section,

at a reasonable hour on a day on which the drawee non-bank financial institution is open for business at the place at which the demand is made.

``(2) The demand may be made by exhibiting the payment order to the drawee non-bank financial institution or by any other means.

``(3) Where the payment order is not exhibited to the drawee non-bank financial institution, the demand shall-

(a) identify the payment order with reasonable certainty; and

(b) be in a form that is intelligible to, or readily decipherable by, the drawee non-bank financial institution.

``(4) Without limiting the generality of sub-section (3), the demand shall, for the purposes of that sub-section, be taken to identify the payment order with reasonable certainty if-

(a) the sum ordered to be paid by the payment order;

(b) the payment order number;

(c) the account against which the payment order is drawn; and

(d) the proper place in relation to the payment order,

are specified in the demand or are readily ascertainable by the drawee non-bank financial institution from the demand.

``(5) Where the payment order is not exhibited to the drawee non-bank financial institution, the drawee non-bank financial institution-

(a) may request the collecting financial institution to furnish specified further particulars in relation to the payment order to it; or

(b) may, whether or not a request has been made by virtue of paragraph (a), request the collecting financial institution to exhibit the payment order, or a copy of the payment order of a specified kind, to it.

``(6) The request may be made to the collecting financial institution at a place that is a designated place in relation to the payment order for the purposes of this sub-section, by any means, at a reasonable hour on a day on which the collecting financial institution is open for business at the place at which the request is made.

``(7) The request shall-

(a) identify the payment order with reasonable certainty; and

(b) be in a form that is intelligible to, or readily decipherable by, the collecting financial institution.

``(8) Without limiting the generality of sub-section (7), the request shall, for the purposes of that sub-section, be taken to identify the payment order with reasonable certainty if-

(a) the sum ordered to be paid by the payment order;

(b) the payment order number;

(c) the account against which the payment order is drawn; and

(d) the proper place in relation to the payment order,

are specified in the request or are readily ascertainable by the collecting financial institution from the request.

``(9) Where the drawee non-bank financial institution makes a request in relation to the payment order, the collecting financial institution may-

(a) furnish the further particulars; or

(b) exhibit the payment order or a copy of the payment order of the specified kind,

as the case requires, to the drawee non-bank financial institution at-

(c) the proper place in relation to the payment order; or

(d) a place that is a designated place in relation to the payment order for the purposes of this sub-section,

at a reasonable hour on a day on which the drawee non-bank financial institution is open for business at the place at which the particulars are furnished, or the payment order or copy exhibited, as the case may be.

``(10) Where the drawee non-bank financial institution makes a request by virtue of paragraph (5) (a) in relation to the payment order, the further particulars may be furnished to the drawee non-bank financial institution by any means.

``(11) In furnishing the further particulars, the collecting financial institution shall-

(a) identify the request with reasonable certainty; and

(b) provide the further particulars,

in a form that is intelligible to, or readily decipherable by, the drawee non-bank financial institution.

``(12) Where a payment order is presented for payment otherwise than by exhibiting it to the drawee non-bank financial institution, nothing in this section shall be taken to relieve the drawee non-bank financial institution from any liability to which the drawee non-bank financial institution would have been subject in relation to the payment order if it had been presented by being exhibited to the drawee non-bank financial institution.

Presentation by person other than financial institution

``96k. A person other than a financial institution may present a payment order for payment by exhibiting the payment order, in person, to the drawee non-bank financial institution at the proper place in relation to the payment order at a reasonable hour on a day on which the drawee non-bank financial institution is open for business at the place at which the payment order is exhibited.

Proper place

``96l. The proper place in relation to a payment order is-

(a) in a case where there is specified in the payment order a place of business of the drawee non-bank financial institution-that place; or

(b) in any other case-the place of business of the branch of the drawee non-bank financial institution at which the account on which the payment order is drawn is maintained.

Designated places

``96m. (1) A financial institution may, by notice in the prescribed form published in the Gazette, specify a place as a designated place in relation to payment orders for the purposes of this Act.

``(2) The notice shall specify-

(a) one or more of the following, namely:

(i) the payment orders in relation to which the place is to be a designated place for the purpose of sub-section 96j (1);

(ii) the payment orders in relation to which the place is to be a designated place for the purpose of sub-section 96j (6);

(iii) the payment orders in relation to which the place is to be a designated place for the purpose of sub-section 96j (9);

(b) the days on which, and the hours during which, the financial institution will be open for business at the place; and

(c) the means by which communications may be made to the financial institution at the place.

``(3) The notice has effect on and from the day on which the notice is published in the Gazette or such later day as is specified in the notice.

Deposit financial institution to present payment orders promptly

``96n. (1) Subject to section 59, where the holder of a payment order lodges the payment order with a financial institution (in this section referred to as the `deposit financial institution') for collection for the holder, the deposit financial institution shall duly present the payment order for payment itself, or ensure that the payment order is duly presented for payment on its behalf, as soon as is reasonably practicable and, if the deposit financial institution fails to do so, it is liable to the holder for any loss that the holder thereby suffers.

``(2) Where the drawee non-bank financial institution makes a request under sub-section 96j (5) in relation to the payment order, the payment order shall, for the purposes of sub-section (1), be deemed not to have been duly presented for payment unless, and until, the request is complied with.

``(3) In determining, for the purposes of sub-section (1), whether the deposit financial institution failed to duly present the payment order for payment itself, or to ensure that the payment order was duly presented for payment on its behalf, as soon as was reasonably practicable, regard shall be had to-

(a) the fact that the instrument is a payment order and that it is reasonable to expect a payment order to be presented for payment promptly;

(b) the means that were available to it for duly presenting the payment order itself and the means that were available to it for having the payment order duly presented on its behalf;

(c) the relative speed, reliability and cost of those means;

(d) the usage of financial institutions in relation to the presentment of payment orders;

(e) in a case where a request under sub-section 96j (5) was made in relation to the payment order-the following matters, namely:

(i) the making of the request;

(ii) the nature of the request;

(iii) whether the request was made to the deposit financial institution or to another financial institution acting on its behalf in relation to the presentment of the payment order;

(iv) if the request was made to another financial institution acting on its behalf in relation to the presentment of the payment order-whether or not the other financial institution had actual possession of the payment order;

(v) whether or not the request was complied with;

(vi) if the request was complied with-the time within which the request was complied with and the means by which the request was complied with;

(vii) the means that were available for complying with the request;

(viii) the relative speed, reliability and cost of those means;

(ix) the usage of financial institutions in relation to requests under sub-section 96j (5); and

(f) any other facts of the particular case, including-

(i) the nature of the payment order and, in particular, but without limiting the generality of the foregoing, the date of the payment order (if any) and the sum ordered to be paid by the payment order; and

(ii) whether any delay in presenting the payment order was-

(a) caused by circumstances beyond the control of the deposit financial institution; and

(b) not imputable to default, misconduct or negligence on the part of the deposit financial institution.

Drawee non-bank financial institution to pay or dishonour payment orders promptly

``96p. (1) Where a payment order is duly presented for payment, the drawee non-bank financial institution shall either pay or dishonour the payment order as soon as is reasonably practicable and, if the drawee non-bank financial institution fails to do so, then, unless it has become aware of a defect in the holder's title or that the holder has no title to the payment order, the drawee non-bank financial institution-

(a) may not dishonour the payment order; and

(b) is liable to pay the payment order to the holder.

``(2) In determining, for the purposes of sub-section (1), whether the drawee non-bank financial institution failed to pay or dishonour the payment order as soon as was reasonably practicable, regard shall be had to-

(a) the fact that the instrument is a payment order and that it is reasonable to expect a payment order that has been duly presented for payment to be either paid or dishonoured promptly;

(b) the means by which, and the place at which, the payment order was presented;

(c) the means that were available to it for paying or dishonouring the payment order;

(d) the relative speed, reliability and cost of those means;

(e) the usage of non-bank financial institutions in relation to the payment and dishonour of payment orders;

(f) in a case where a request under sub-section 96j (5) was made by it in relation to the payment order-the following matters, namely:

(i) the making of the request;

(ii) the nature of the request;

(iii) the time within which the request was made;

(iv) the means by which the request was made;

(v) the means that were available to it for making the request;

(vi) the relative speed, reliability and cost of those means;

(vii) whether or not the request was complied with;

(viii) if the request was complied with-the time within which the request was complied with;

(ix) if the request was a request to furnish further particulars and the request was complied with-the nature of the particulars furnished to it;

(x) the usage of non-bank financial institutions in relation to the making of requests under sub-section 96j (5); and

(g) any other facts of the particular case, including-

(i) the nature of the payment order; and

(ii) whether any delay in paying or dishonouring the payment order was-

(a) caused by circumstances beyond the control of the drawee non-bank financial institution; and

(b) not imputable to default, misconduct or negligence on the part of the drawee non-bank financial institution.

How paid payment orders to be dealt with

``96q. (1) Where-

(a) a payment order is duly presented for payment by exhibiting the payment order to the drawee non-bank financial institution; and

(b) the drawee non-bank financial institution pays the payment order,

the drawee non-bank financial institution has, as against the person who presented the payment order, the right to possession of the payment order.

``(2) Where-

(a) a payment order is duly presented for payment by a financial institution (in this sub-section referred to as the `collecting financial institution') otherwise than by exhibiting the payment order to the drawee non-bank financial institution;

(b) the payment order is exhibited to the drawee non-bank financial institution pursuant to a request under sub-section 96j (5); and

(c) the drawee non-bank financial institution pays the payment order,

the drawee non-bank financial institution has, as against the collecting financial institution and any financial institution on whose behalf the collecting financial institution duly presented the payment order, the right to possession of the payment order.

``(3) Where-

(a) a payment order is duly presented for payment by a financial institution (in this sub-section and sub-section (4) referred to as the `collecting financial institution') otherwise than by exhibiting the payment order to the drawee non-bank financial institution;

(b) the payment order is not exhibited to the drawee non-bank financial institution pursuant to a request under sub-section 96j (5);

(c) the drawee non-bank financial institution pays the payment order; and

(d) the payment order is in the actual possession of the collecting financial institution or another financial institution on whose behalf the collecting financial institution duly presented the payment order,

the collecting financial institution or other financial institution, as the case requires (in sub-section (4) referred to as the `relevant financial institution'), shall-

(e) subject to sub-section (4), retain the payment order, on behalf of the drawee non-bank financial institution, for such period as is prescribed; and

(f) at the expiration of that period, deal with the payment order in accordance with the regulations.

``(4) The drawee non-bank financial institution may, at any time while the payment order is being retained by the relevant financial institution in accordance with sub-section (3), request the relevant financial institution to deliver up the payment order to it, and the relevant financial institution shall forthwith comply with the request.

``(5) Nothing in sub-section (3) shall be taken to affect a right that a person has, as against the drawee non-bank financial institution, to possession of the payment order.

``(6) Where a payment order is paid otherwise than by the drawee non-bank financial institution, the person paying the payment order has, as against the person paid, the right to possession of the payment order.''.

No. 20-Page 36, after clause 103, add the following new Schedule:

SCHEDULE

Sub-section 96h (1)

MODIFICATIONS OF ACT IN RELATION TO PAYMENT ORDERS

Sub-section 5 (1)-

(a) Omit ``sections 10 to 15 (inclusive)'', substitute ``sections 11 to 15 (inclusive)''.

(b) Omit ``sub-sections 60 (1) and 62 (12)'', substitute ``sub-section 60 (1)''.

(c) Omit ``and sections 88 to 91 (inclusive)'', substitute ``, sections 88 to 91 (inclusive) and 96d to 96f (inclusive) and sub-section 96j (12)''.

(d) Omit ``a bank cheque or bank draft'', substitute ``a payment order drawn by a non-bank financial institution on itself or on another branch of the non-bank financial institution''.

Sub-section 5 (2)-

Omit ``a bank cheque or bank draft drawn by it'', substitute ``a payment order drawn by the non-bank financial institution on itself or on another branch of the non-bank financial institution''.

Sub-section 6 (2)-

(a) Omit ``7 to 16 (inclusive)'', substitute ``7 to 9 (inclusive), 11 to 16 (inclusive)''.

(b) Omit ``61, 62, 64 to 67 (inclusive)''.

(c) Insert ``96e to 96g (inclusive), 96i, 96j, 96l to 96p (inclusive),'' after ``96d,''.

Section 54-

Omit ``bank'' (last occurring), substitute ``financial institution''.

Paragraph 60 (3) (b)-

Omit ``banks'', substitute ``financial institutions''.

Section 92-

Omit ``bank'' (second occurring), substitute ``financial institution''.

Sub-section 93 (1)-

Omit ``bank'' (second and last occurring), substitute ``financial institution''.

Paragraphs 93 (2) (c) and (d)-

Omit ``a bank'' (wherever occurring), substitute ``a financial institution''.

Paragraph 94 (1) (a)-

Omit ``bank'' (last occurring), substitute ``financial institution''.

Paragraph 94 (2) (a)-

Omit ``bank'' (last occurring), substitute ``financial institution''.

Heading to Division 2 of Part VI-

Omit ``bank'', substitute ``financial institution''.

Section 95-

Omit ``bank'' (wherever occurring), substitute ``financial institution''.

Section 96-

Omit ``bank'' (wherever occurring), substitute ``financial institution''.