( 1 ) THE players to the game are bound by the Rules of the game. This is more so in the case of a referee, who is instrumental in laying down the Rules. State Bank of India is in the position of a referee. It has laid down certain norms, which deal with the method and manner in which the articles kept in the bank's safe deposit locker are to be dealt with. The instructions on the point have been made available by Shri A. M. Naik, Advocate appearing for the State Bank of India. Before noticing the facts and legal position, it would be apt to notice these instructions. "6. 4. Return of articles kept in the bank's safe deposit vault/sealed boxes.- (i) In the case of articles in State Deposit Lockers/sealed boxes in safe deposit, an inventory should be prepared in the presence of two officers of the branch and two independent witnesses. In appropriate cases, the services of a notary, if available may also be availed of, as an independent witness. (ii) A stamped letter of indemnity on form given in Annexure- VII should be executed by the claimants with two sureties (persons other than those swearing to the affidavits) who are considered individually good for the amount