FOOTNOTES:

[93] Adapted from W. H. Kniffin, The Savings Bank and Its Practical Work, pp. 54-75. The Bankers Publishing Company. New York, 1912.

[94] E. W. Kemmerer, The United States Postal Savings Bank, Political Science Quarterly, Vol. XXVI, No. 3, September, 1911, pp. 465-77.

[95] W. H. Kniffin, The Savings Bank and Its Practical Work, pp. 75, 76. The Bankers Publishing Company, New York. 1912.