ain and discover whether such deceased depositor has left a
husband, wife, or children, surviving, and the Corporation shall
keep a record of the efforts so made, and of the results thereof;
and in case no person lawfully entitled thereto shall be
discovered, or shall appear, or claim the funds remaining to the
credit of such depositor before the expiration of two years from
the death of such depositor, it shall be lawful for the
Corporation to hold and invest such funds as a separate trust
fund, to be applied, with the accumulations thereof, to the
education and improvement of persons heretofore held in slavery,
or their descendants, being inhabitants of the United States, in
such manner and through such agencies as the Board of Trustees
shall deem best calculated to effect that object; _Provided_,
That if any depositor be not heard from within five years from
the date of his last deposit, the Trustees shall advertise the
same in some paper of general circulation in the State where the
principal office of the Company is established, and also in the
State where the depositor was last heard from; and if, within two
years thereafter, such depositor shall not appear, nor a husband,
wife, or child of such depositor, to claim his deposits, they
shall be used by the Board of Trustees as hereinbefore provided
for in this section.

"SEC. 12. _And be it further enacted_, That no President,
Vice-President, Trustee, officer, or servant of the Corporation
shall, directly or indirectly, borrow the funds of the
Corporation or its deposits, or in any manner use the same, or
any part thereof, except to pay necessary expenses, under the
direction of the Board of Trustees. All certificates or other
evidences of deposit made by the proper officers shall be as
binding on the Corporation as if they were made under their
common seal. It shall be the duty of the Trustees to regulate the
rate of interest allowed to the depositors, so that they shall
receive, as nearly as may be, a rateable proportion of all the
profits of the Corporation, after deducting all necessary
expenses; _Provided, however_, That the Trustees may allow to
depositors to the amount of five hundred dollars or upward one
per centum less than the amount allowed others; _And provided,
also_, W