Survey?
..Private companies and banks can imply their policies whenever they want ...It is stated in every bankbook or contract u signed with them on the day you open an account which reads similar to this one (''The Bank may,without notice to the depositor,make such other rules and regulations,or amend these rules and regulations as it may deem necessary for the best interest of the Bank and its depositor/s provided such additions,alterations or amendments are not contrary to banking laws and the regulations of the central bank or the By-Laws of the Bank'')..