334 MANAGER Behind this door sits Mr. Brown, Bank Manager. His natural shrewdness and his long dealings with matters financial give him a keen realisation of the importance of National Savings to the successful conduct of this war. With him now is a client, Mr. Jones ... "... and you suggest, Mr. Brown, that I should invest it all in 3% Defence Bonds?" "Most certainly, Mr. Jones. In addition to the decidedly attractive rate of interest—the 3% which is paid half yearly, there are other points in their favour:—Income Tax is not deducted at source.