AUSTRALIAN CAPITAL TERRITORY

pawnbrokers act 1902
(new south wales)
This consolidation has been prepared by the ACT Parliamentary Counsel’s Office
As at 10 November 1999
TABLE OF PROVISIONS
Section
Part I—Preliminary
	1.	Short title
	3.	Interpretation
	4.	To whom Act not to apply
Part II—Licences
	5.	Pawnbrokers to be licensed
	6.	Applications for licences
	6A.	Licences
	7.	Certficates of convictions
	7A.	Objections to granting of licences
	8.	Grant of licences
	8A.	Duration of licences
	8B.	Record of licences to be kept
	9.	Separate licence for each shop
	10.	Partner’s licence
Part III—Business of Pawnbroking
	11.	Pawnbroker’s name on premises

	12.	Production of licence
	13.	Book entries on taking pledges
	14.	Duplicates of entry to be given
	15.	Duplicates lost or stolen
	16.	Holders of duplicates deemed owners of goods pawned
	17.	Period for sale of pledges
	18.	Selling before expiration of redemption period
	19.	Mode of sale
	20.	Pawnbroker not to purchase
	21.	Application of proceeds of sale
	22.	Entries of articles sold
	23.	Pawner may inspect entries
	24.	Children and intoxicated persons
	29.	Persons attempting to redeem article when not entitled to do so may be apprehended
part iv—miscellaneous and legal procedure
	31.	Record evidence
	32.	Evidentiary certificates
	33.	Advertisements
	34.	Lending licences
	35.	Forged or altered licences
	36.	Forging etc. duplicates
	37.	Pawnbroker to produce books etc.
	39.	Court may order delivery of goods pawned on payment of compensation or otherwise
	46.	General issue
schedule 1
form
schedule 2
pawnbroker’s licence

AUSTRALIAN CAPITAL TERRITORY

pawnbrokers act 1902 
(new south wales)
An Act to consolidate the enactment regulating the trade or business of pawnbrokers
Part I—Preliminary
1.	Short title
	This Act may be cited as the Pawnbrokers Act 1902 of New South Wales.1
3. 	Interpretation
	In this Act, unless the context or subject-matter otherwise indicates or requires—
“article” includes every species of chattels and goods whatsoever;
“charge” means a charge that has not been dealt with by a court, but does not include a charge that has been withdrawn or otherwise not been proceeded with;
“convicted” includes being discharged under section 556A of the Crimes Act 1900 or an equivalent provision of a law of the Commonwealth, a State, another Territory or another country, but does not include a reference to a conviction that has been set aside on appeal or review;

“Court” means the Magistrates Court;
 “licence” means a licence granted under this Act to carry on the trade or business of a pawnbroker;
 “pawnbroker” means a person who carries on business or seeks his or her livelihood in or by advancing upon interest, or for or in expectation of profit, gain, or reward, any sum of money upon security, whether collateral or otherwise, of any article taken by such person by way of pawn, pledge, or security;
“Registrar” means the Registrar of the Court.
4. 	To whom Act not to apply
	Nothing in this Act shall be construed to apply to loans or advances made on any goods, chattels, live-stock, wool, bonds, bills, title-deeds, or other security by merchants, bankers, commission agents, brokers, or licensed auctioneers in the ordinary and bona fide course of mercantile or banking transactions if the interest on any such loans or advances does not exceed the rate of 14% per annum.
Part II—Licences
5. 	Pawnbrokers to be licensed
	A person who is not licensed shall not carry on the trade or business of a pawnbroker.
Penalty:  50 penalty units or imprisonment for 6 months, or both.
6. 	Applications for licences
(1) 	A person who has attained the age of 18 years may apply to the Court for a licence by lodging with the Registrar—
	(a)	an application in accordance with Schedule 1;
	(b)	a copy of the application; and
	(c)	where the applicant is not the holder of a licence—references as to the applicant’s character and suitability for holding a licence given by 3 qualified persons.
(2) 	In this section—
“elector” has the same meaning as it has in the Electoral Act 1992;
“qualified person” means—
	(a)	an elector who is a person referred to in the Schedule to the Statutory Declarations Regulations of the Commonwealth; or
	(b)	another person approved by the Court.
6A. 	Licences
(1) 	Upon lodgment of the documents referred to in subsection 6 (1), the Registrar shall—
	(a)	appoint a date for the hearing of the application by the Court, being a date not earlier than 21 days after the date on which the application is lodged;
	(b)	endorse on the copy of the application a notice stating the date so fixed; and
	(c)	return the copy to the applicant.
(2) 	The applicant shall, within 24 hours after receiving the copy of the application under paragraph (1) (c), lodge it with the Commissioner of Police.
7. 	Certificates of convictions
(1) 	The Commissioner shall, not later than 5 days before the date appointed for the hearing of an application for a licence, furnish to the Registrar for the use of the Court a certificate stating whether, according to the records held by the Commissioner, it appears that the applicant has been charged with, or convicted of, any offence against a law of the Territory, the Commonwealth, a State, another Territory or another country.
(2) 	The applicant is entitled to inspect a certificate under subsection (1).
7A. 	Objections to granting of licences
(1) 	Subject to subsection (2), the Commissioner of Police may, upon the hearing of an application for a licence, object to the granting of the licence on the ground that the applicant is not a fit and proper person to be the holder of a licence.
(2) 	The Commissioner of Police is not entitled to object to the granting of a licence unless, not later than 7 days before the date appointed for the hearing of the application for the licence, he or she—
	(a)	lodges with the Registrar a notice of objection setting out particulars of the ground of objection; and
	(b)	serves a copy of the notice on the applicant.
8. 	Grant of licences
(1) 	Where, on the hearing of an application for a licence, the applicant satisfies the Court that he or she is a fit and proper person to be the holder of a licence, the Court may direct the Registrar to issue a licence to the applicant and the Registrar shall issue a licence to the applicant in accordance with the form in Schedule 2.
(2) 	For the purpose of determining whether an applicant for a licence is a fit and proper person to hold the licence, the Court may have regard to whether he or she—
	(a)	has been convicted of, or is subject to, a charge in relation to an offence—
	(i)	that involves fraud or dishonesty; or
	(ii)	against this Act or a corresponding law; or
	(b)	has been refused a licence under this Act or a corresponding law.
(3) 	The Court may, on the hearing of an application for a licence, request the Commissioner of Police to make such further inquiries as the Court thinks fit and may adjourn the hearing to enable the Commissioner to make the inquiries and furnish the report.
(4) 	Where the granting of a licence to an applicant who is already the holder of a licence is not objected to, the application may be determined in chambers.
(5) 	In this section—
“corresponding law” means a law of a State, another Territory or another country that deals with the licensing or conduct of pawnbrokers.
8A. 	Duration of licences
	Subject to this Act, a licence is in force for 1 year from the day on which it is issued.
8B. 	Record of licences to be kept
	The Registrar shall keep a record of all licences granted by the Court.
9. 	Separate licence for each shop
	No pawnbroker holding a licence shall, by virtue of 1 licence, keep more than 1 house, shop, or other place for taking in goods or chattels to pawn, but, for each and every house, shop, or other place which any person keeps for those purposes, a separate and distinct licence shall be taken out and paid for.
Penalty:  50 penalty units or imprisonment for 6 months, or both.
10. 	Partner’s licence
	Persons in partnership and carrying on the trade or business of a pawnbroker in 1 house, shop, or tenement only shall not be obliged to take out more than 1 licence in any 1 year for carrying on such trade or business.
Part III—Business of Pawnbroking
11. 	Pawnbroker’s name on premises
(1) 	Every person who holds a licence shall not, without reasonable excuse, fail to have his or her full name displayed, in legible characters at least 5 centimetres deep, with the words “licensed pawnbroker” constantly and permanently remaining and plainly to be seen and read over the door of each shop or other place kept, or made use of, by that person for carrying on the trade or business of a pawnbroker.
Penalty:  5 penalty units.
12. 	Production of licence
	A licensed pawnbroker shall not, without reasonable excuse, fail to produce his or her licence on the premises specified in the licence on demand made by a police officer.
Penalty:  5 penalty units.
13. 	Book entries on taking pledges
(1) 	Every licensed pawnbroker taking in pawn any article on which any money is to be lent shall, before advancing any money, cause to be entered in a fair and legible manner in some book kept for that purpose—
	(a)	a fair and reasonable description of such article;
	(b)	the sum of money in the whole advanced, with the rate of interest to be charged on the same by the week or month, as the case may be;
	(c)	the true date at which such article is pawned; and
	(d)	the name of the party by or for whom such article is pawned, and his or her place of residence, according to the statement of the person pawning, into which last-mentioned circumstances the pawnbroker shall inquire of the person pawning before any money is lent or advanced by him or her;
and, where a longer time for redemption than 3 months is agreed upon, the time so agreed upon.
(2) 	Every such entry shall be numbered consecutively throughout the year, the first pledge received by any pawnbroker on or after 1 January in each year being numbered 1, the second 2, and so on progressively throughout the year.
(3) 	A person who, without reasonable excuse, contravenes this section is guilty of an offence punishable, on conviction, by a fine not exceeding 20 penalty units.
14. 	Duplicates of entry to be given
(1) 	Every licensed pawnbroker, at the time of taking any article in pawn, shall give to the person pawning the same a duplicate of every entry fairly and legibly written, or partly written and partly printed, with the signature of such pawnbroker, containing every particular inserted in the original entry, and corresponding in number.
(3) 	No pawnbroker shall receive or retain any pledge unless such duplicate is accepted, at the time, by the party pawning, and every such duplicate shall be delivered gratis, and shall be produced to the pawnbroker before he or she shall be obliged to redeliver the articles mentioned or any of them.
Penalty:  5 penalty units.
15. 	Duplicates lost or stolen
	If—
	(a)	any pawnbroker’s duplicate is lost or mislaid by, or fraudulently taken or obtained from, the owner;
	(b)	the articles mentioned remain unredeemed; and
	(c)	the person representing himself or herself to be such owner produces and leaves with the pawnbroker who gave such duplicate a written declaration in accordance with the form in the Schedule to the Statutory Declarations Act 1959 of the Commonwealth, duly made as required by that Act, and setting forth the circumstances of such loss or otherwise satisfactorily accounting for the non-production of such duplicate;
such pawnbroker shall, at the request of such person, deliver to him or her a copy of such duplicate.
Penalty:  5 penalty units.
16. 	Holders of duplicates deemed owners of goods pawned
(1) 	Every person who, at any time, produces any such duplicate to the pawnbroker who gave the same, and requires delivery of the articles specified, claiming to be the owner or representing himself or herself to be authorised by the owner, shall be deemed to be such owner or to be so authorised, and shall be entitled to redeem such articles accordingly unless—
	(a)	such pawnbroker has notice from the real owner that such duplicate was lost by him or her or was fraudulently taken or obtained from him or her; or
	(b)	such pawnbroker has been informed by some credible person that such articles were stolen.
(2) 	If any such pawnbroker refuses to deliver the articles to the party producing such duplicate, the pawnbroker shall not, without reasonable excuse, fail to immediately give information of such refusal and of the particular grounds to an officer of police, together with a description of such party, or, if known to the pawnbroker, such party’s name and place of residence.
Penalty:  5 penalty units.
17. 	Period for sale of pledges
(1) 	Unless a longer time is expressly agreed upon, the period during which any article taken in pawn may be redeemed shall be 3 months, at the expiration of which period, or at the expiration of any such longer period as has been so agreed upon, every such article shall be deemed forfeited, and may be sold.
(2) 	Any agreement for the forfeiture of any article before the expiration of 3 months shall be wholly void.
18. 	Selling before expiration of redemption period
(1) 	A pawnbroker shall not, before the expiration of the relevant period, sell or dispose of, or cause or knowingly suffer to be sold or disposed of, an article that has been pawned.
Penalty:  50 penalty units.
(2) 	In this section—
“relevant period” means the period during which an article taken in pawn may be redeemed pursuant to section 17.
19. 	Mode of sale
(1) 	All articles forfeited on which in the whole more than $500 has been lent, shall be sold by public auction, and not otherwise.
(2) 	A notice of every such sale, containing a catalogue of all such articles and the time when the same were respectively taken in pawn, shall be twice inserted in some public newspaper, published in the Territory, 4 days at the least before the proposed day of sale.
(3) 	Any pawnbroker who offends against the provisions of this section shall forfeit to the owner of any article sold contrary to the provisions a sum not exceeding 5 penalty units.
20. 	Pawnbroker not to purchase
	No purchase or pretended purchase by any pawnbroker or person on his or her behalf of any article pawned with him or her shall in any case be valid against the owner in any case.
21. 	Application of proceeds of sale
(1) 	Where—
	(a)	an article that has been pawned is sold;
	(b)	a surplus results from the sale; and
	(c)	the person by or for whom the article was pawned claims the surplus within 12 months of the sale;
the pawnbroker shall not, without reasonable excuse, fail to pay to that person within 2 days of his or her claim, the surplus less any necessary charges relating to the sale.
Penalty:  50 penalty units.
(2) 	In this section—
“surplus” means the amount by which the price paid for the article exceeds the sum of—
	(a)	the amount of money advanced by the pawnbroker on the security of the article; and
	(b)	any interest due at the time of the sale in relation to that advance.
22. 	Entries of articles sold
(1) 	Every pawnbroker shall, from time to time, enter in a book to be kept by him or her for that purpose an account of the sale of every article which was pawned, and is sold or otherwise disposed of by him or her, specifying the date when such article was pledged and the number of the entry then made, and the name of the person who pledged the same and the day when and the amount for which every such article was sold.
Penalty:  20 penalty units.
(2) 	A pawnbroker shall not knowingly or recklessly make a false entry in a book kept pursuant to subsection (1).
Penalty:  50 penalty units or imprisonment for 6 months, or both.
23. 	Pawner may inspect entries
	Where—
	(a)	an article that has been pawned is sold or otherwise disposed of;
	(b)	the person by or for whom the article was pawned produces the duplicate in respect of the article; and
	(c)	that person requests inspection of the entry of sale of the article;
the pawnbroker or his or her employee shall not, without reasonable excuse, fail to—
	(d)	produce the book or document containing the entry; or
	(e)	permit the person to inspect the entry.
Penalty:  5 penalty units.
24. 	Children and intoxicated persons
	A person who is a licensed pawnbroker or his or her agent or employee shall not purchase, receive or take in pawn an article from a person who is or is reasonably believed by the pawnbroker, agent or employee to be—
	(a)	under the age of 14 years; or
	(b)	intoxicated with liquor.
Penalty:  30 penalty units.
29. 	Persons attempting to redeem article when not entitled to do so may be apprehended
	If any person not entitled nor having any colour of title by law to redeem any article in pledge or pawn attempts or endeavours to redeem the same, any pawnbroker with whom such articles is in pledge, or the servant or agent of such pawnbroker, may seize and detain such person and deliver him or her immediately into the custody of an officer of police to be dealt with according to law.
Part VI—Miscellaneous and Legal Procedure
31. 	Record evidence
(1) 	In any proceedings before the Court against any person alleged to be a licensed pawnbroker and liable as such to any such proceeding, the production of the alphabetical record shall be evidence both of the personal identity of the person named and that the person is a licensed pawnbroker under this Act:
(2) 	Any other proof as to the fact of any person holding any such licence may be admitted before the Court as it, in its discretion, sees fit.
32. 	Evidentiary certificates
(1) 	The Registrar of the Court may issue a certificate stating whether a specified person was or was not on a specified date or during a specified period the holder of a licence.
(2) 	A certificate issued under subsection (1) is evidence of the facts stated in the certificate.
33. 	Advertisements
	An unlicensed person shall not display any sign on or near premises which he or she occupies which states or gives reasonable cause to believe that those premises are being used to carry on the trade or business of a pawnbroker.
Penalty:  30 penalty units.
34. 	Lending licences
(1) 	A licensed pawnbroker shall not lend his or her licence to a person for the purpose of enabling that person to carry on business as a pawnbroker.
Penalty:  30 penalty units.
(2) 	Where any person is convicted of an offence against the provisions of this section, the Court may declare his or her licence void, and such licence shall become void.
(3) 	No licence shall be granted to any such person for 2 years from the date of such conviction.
35. 	Forged or altered licences
	A person shall not—
	(a)	forge or alter a licence;
	(b)	cause a licence to be forged or altered; or
	(c)	produce a licence that is forged or has been altered to a person entitled to demand production of that licence.
Penalty:  50 penalty units or imprisonment for 6 months, or both.
36. 	Forging etc. duplicates
	A person who—
	(a)	forges or alters, or causes to be forged or altered, or knowingly assists in forging or altering any such pawnbroker’s duplicate, or utters, sells, disposes of, or puts off such duplicate so forged or altered, knowing the same to be so forged or altered, with intent to defraud any person whatsoever; or
	(b)	steals or unlawfully takes any such pawnbroker’s duplicate with a fraudulent intent, to deprive the owner of the same, or of any specified article;
shall be guilty of an offence punishable, on conviction, by a fine not exceeding 50 penalty units or by imprisonment for a period not exceeding 6 months, or both.
37. 	Pawnbroker to produce books etc.
(1) 	If, in the course of any proceedings before a court, whether under this Act or otherwise, it appears to the court to be material or proper to require the production before it of any book, note, voucher, entry, memorandum, licence, or other paper required by this Act to be kept by, or which ought to be in the custody of, any pawnbroker, the court may summon such pawnbroker to attend before it and produce the same, and such pawnbroker is required to produce every such book, duplicate, note, voucher, entry, memorandum, licence, or other paper before the court accordingly.
(2) 	A pawnbroker shall not, without reasonable excuse—
	(a)	fail to attend on a summons under subsection (1);
	(b)	fail to produce a book, duplicate or entry referred to in the summons; or
	(c)	produce a book, duplicate or entry so referred to that has been altered.
Penalty:  50 penalty units or imprisonment for 6 months, or both.
39. 	Court may order delivery of goods pawned on payment of compensation or otherwise
(1) 	The Court may order any article unlawfully pawned, pledged or exchanged which is brought before it, and the ownership of which is established to the satisfaction of the Court, to be delivered up to the owner by the person with whom they were so unlawfully pawned, pledged or exchanged either without compensation or with such compensation to the party in question as the Court deems fit.
46. 	General issue
	If any person is sued for any matter or thing done by him or her in the execution of this Act, he or she may plead the general issue and give the special matter in evidence.

	SCHEDULE 1	Subsection 6 (1)
Form of application for a pawnbroker’s licence
I, A.B. (state occupation), now residing at		              do give notice that it is my intention to apply to the Magistrates Court, to be held on the
		day of			next, for a licence to carry on the business of a pawnbroker in the premises situated at			 (here describe the premises proposed to be licensed, specifying the situation of the premises, their owner, the present occupier, and whether now licensed) and which I intend to keep as a pawnbroker’s shop.
Dated		this		day of		19  .

(Signature of	applicant)

	SCHEDULE 2	Subsection 8 (1)
Pawnbroker’s Licence
Australian Capital Territory
to wit.
WHEREAS A.B. of				has applied to the Magistrates Court on this			day of			in the year 19      for a licence to carry on the business of a pawnbroker in the premises now occupied by him or her, situated									           :
Now the Magistrates Court, having inquired into the character of A.B., and being satisfied that he or she is a fit person to have such licence granted to him or her, authorises and empowers him or her to carry on the trade or business of a pawnbroker, in the premises, and not elsewhere, and this licence shall continue in force for a period of 12 months, and no longer.
Granted by the Magistrates Court at
the					day of						19     .
(Signed)	C.D. Magistrate.
Registered
A.B.
Registrar of the Magistrates Court.

NOTES
1.	The Pawnbrokers Act 1902 of the State of New South Wales (No. 66, 1902) as shown in this reprint was one of the laws in force in the Australian Capital Territory before 1 January 1911 and was continued in force by the Seat of Government Acceptance Act 1909 of the Commonwealth.
	The text of the Pawnbrokers Act 1902 of the State of New South Wales in its application in the Territory as at 12 January 1987 comprises Part 2 of Schedule 2 to the New South Wales Acts Act 1986 (No. 91, 1986) as amended, for details of those amendments see (a).
	The Pawnbrokers Act 1902 of the State of New South Wales in its application in the Territory has been amended since 12 January 1987 as indicated in the Tables below.
	Citation of Laws—The Self-Government (Citation of Laws) Act 1989 (No. 21, 1989) altered the citation of most Ordinances so that after Self-Government day they are to be cited as Acts.  That Act also affects references in ACT laws to Commonwealth Acts.
2.	The Legislation (Republication) Act 1996 (No. 51, 1996) authorises the Parliamentary Counsel in preparing a law for republication, to make certain editorial and other formal amendments in accordance with current legislative drafting practice.  Those amendments make no change in the law.  Amendments made pursuant to that Act do not appear in the Table of Amendments but details may be obtained on request from the Parliamentary Counsel’s Office.
Table of Acts
Act	Number  
and year	Date of 
notification 
in Gazette	Date of 
commencement	Application, saving or transitional provisions	

Pawnbrokers (Amendment) Act 1990	33, 1990	30 Oct 1990	Ss. 1-3:  30 Oct 1990
Remainder:  1 Dec 1990 (see Gazette 1990, No. 46, p. 1316)	—	
Magistrates and Coroner’s Courts (Registrar) Act 1991	44, 1991	20 Sept 1991	Ss. 1 and 2:  20 Sept 1991
Remainder:  25 Sept 1991 (see Gazette 1991, No. S103, p. 2)	—	
(Reprinted as at 31 August 1992)	
Statute Law Revision (Penalties) Act 1994	81, 1994	29 Nov 1994	Ss. 1 and 2:  29 Nov 1994
Remainder:  29 Nov 1994 (see Gazette 1994, No. S269, p. 2 )	—	
Pawnbrokers (Amendment) Act 1995	15, 1995	30 June 1995	30 June 1995	S. 8	
Law Reform (Miscellaneous Provisions) Act 1999
	1999 No 66	10 Nov 1999	10 Nov 1999	—	

(a)	The Pawnbrokers Act 1902, in its application in the Territory, comprises the Pawnbrokers Act 1902 of New South Wales as amended by the Magistrates Court Act 1985, as repealed in part by the New South Wales Acts Application Ordinance 1985 and as amended by the New South Wales Acts Act 1986.  The amendments made by the New South Wales Acts Application Ordinance 1985 ceased to have effect by reason of its subsequent disallowance.
	Sections 2, 28, 30, 38 and 41-45, and the Third Schedule were repealed by the New South Wales Acts Application Ordinance 1985.
	Sections 26 and 27 were repealed by the New South Wales Acts Application Ordinance 1985 and a new section 26 was inserted by the New South Wales Acts Act 1986.

Table of Amendments
ad. = added or inserted      am. = amended     rep. = repealed      rs. = repealed and substituted

Provision	How affected

S. 3	am. Act No. 15, 1995
S. 5	rs. No. 33, 1990
	am. Act No. 81, 1994
S. 6	am. No. 44, 1991
	rs. Act No. 15, 1995
S. 6A	ad. Act No. 15, 1995
S. 7	rs. Act No. 15, 1995
S. 7A	ad. Act No. 15, 1995
S. 8	am. No. 44, 1991
	rs. Act No. 15, 1995
Ss. 8A, 8B	ad. Act No. 15, 1995
S. 9	am. No. 33, 1990; Act No. 81, 1994
S. 11	am. No. 33, 1990; Act No. 81, 1994
S. 12	rs. No. 33, 1990
	am. Act No. 81, 1994
Ss. 13-16	am. No. 33, 1990; Act No. 81, 1994
S. 18	rs. No. 33, 1990
	am. Act No. 81, 1994
S. 19	am. No. 33, 1990
	am. Act No. 81, 1994; 1999 No 66 s 6 sch 3
S. 20	am. No. 33, 1990
S. 21	rs. No. 33, 1990
	am. Act No. 81, 1994
S. 22	am. No. 33, 1990; Act No. 81, 1994
Ss. 23, 24	rs. No. 33, 1990
	am. Act No. 81, 1994
S. 25	rep. No. 33, 1990
S. 26	am. No. 33, 1990; Act No. 81, 1994
	rep. No. 51, 1996
S. 29	am. No. 33, 1990
S. 31	am. Act No. 15, 1995
S. 32	rs. No. 33, 1990
	am. No. 44, 1991; Act No. 15, 1995
S. 33	rs.  No. 33, 1990
	am. Act No. 81, 1994
S. 34	am. No. 33, 1990; Act No. 81, 1994; No. 15, 1995
S. 35	rs. No. 33, 1990
	am. Act No. 81, 1994
Ss. 36, 37	am. No. 33, 1990; Act No. 81, 1994
S. 39	am. Act No. 15, 1995
S. 40	rep. No. 33, 1990
S. 46	am. No. 33, 1990
Heading to the Schedules	rep. Act No. 15, 1995
First Schedule	rep. Act No. 15, 1995
Schedule 1	ad. Act No. 15, 1995
Heading to Second Schedule	rep. Act No. 15, 1995
Heading to Schedule 2	ad. Act No. 15, 1995
Second Schedule	am. No. 33, 1990; No. 44, 1991