Biographical note: Fred Holt (1914-1993), a son of Edmund and Ruby Holt, joined the Bank of Australasia (now ANZ) as a clerk in 1933. His banking career was interrupted at age 26, in 1941 when he volunteered for services in the Royal Australian Navy. Fred Holt grew up in Surrey Hills; brother of Alan Holt. At the time of enlistment he was living with his parents at 9 beatrice Avenue, Surrey Hills. He married Euphemia Craig in 1945. This is a personal account of Lieutenant Frederick Sutton Holt's service in World War II from 1940 onwards, as a member of the Royal Australian Navy Volunteer Reserve. He served on HMS Terpsichore. He was mentioned in dispatches for skill, determination and bravery in anti-U-boat operations whilst serving with HMS Troubridge, Terpsichore and Vetch. (REF: Commonwealth Gazette 13/3/1945). A personal account of Fred Holt's service in World War II from 1940 onwards, as a volunteer in the Royal Australian Navy.Title page: signed Fred Holt(mr) fred s holt, great britain, royal naval, world war, 1939-1945, royal australian navy, navies, armed forces, returned servicepeople, frederick sutton holt, hms terpsichore