corporation doing any of the things or transacting any of the business defined in this section, must transact such business according to the provisions of the bank act. Nothing in this section contained shall prohibit building and loan associations from receiving deposits of money and executing certificates therefor in accordance with the laws governing such associations, but all such certificates other than certificates of stock must designate on the face thereof the terms under which such certificates are issued. Any violation of this law is a misdemeanor. Act of the Legislature, approved April 21, 1911. No bank, or any officer thereof, shall advertise in any manner, or publish any statement of the capital authorized or subscribed, unless it or he advertise and publish, in connection therewith, the amount of capital actually paid up. Any bank, or any officer thereof, advertising in any manner, or publishing any statement of such capital, authorized or subscribed, without a statement in connection therewith of the capital actually paid up, shall be guilty of a misde meanor. Act of the Legislature, approved March 1, 1909. Section 895.-DEPOSITS OF DEAD PERSONS.— The President or managing officer of every bank must, within fifteen days after the first day of January of every odd numbered year, return to the Superintendent of Banks a sworn statement showing the names of depositors known to be dead, or who have not made further deposits, or withdrawn any moneys during the preceding ten years. Such statements shall show the amount of the account, the depositor's last known place of residence or post office address, and the fact of death, if known to such President or managing officer. Such President or managing officer must give notice of these deposits in one or more newspapers published in or nearest to the town or city where such bank has its principal place of business, at least once a week for four consecutive weeks, the cost of such publication to be paid pro rata out of such unclaimed deposits. This section does not apply to any deposit made by or in the name of a person known to the President or managing officer to be living, or which, with the accumulation thereon, is less than fifty dollars. The Superintendent of Banks must incorporate in his subsequent report such returns made to him as provided in this section. Any President or managing officer of any bank who neglects or refuses to make the sworn statement required by this section shall be guilty of a misdemeanor. Act of the Legislature, approved March 1, 1909. Section 896.-DEPOSITS OF MARRIED WOMEN OR MINORS.-When any deposit with a bank shall be made by or in the name of any married woman or minor, the same shall be held for the exclusive right and benefit of such depositor, and free from the control or lien of all other persons, except creditors, and shall be paid, together with the dividends, if any, and interest, if any, thereon to the person in whose name deposits shall have been made, and the receipt or acquittance of such minor shall be a valid and sufficient release and discharge for such deposit, or any part thereof, to the bank. When any deposit with a bank shall be made by any person in trust for another, and no other or further notice of the existence and terms of a legal and valid trust shall have been given in writing to such bank, in the event of the death of the trustee, the same or any part thereof, together with the dividends or interest, if any, thereon, may be paid to the person for whom the deposit was made. When a deposit with a bank shall be made by any person in the names of such depositor and another person or persons, and in form to be paid to either or the survivor or survivors of them, such deposit thereupon, and any additions thereto made by either of such persons upon the making thereof, shall become the property of such persons as joint tenants, and the same, together with all interest thereon, shall be held for the exclusive use of the persons so named, and may be paid to either during the lifetime of all or any or to the survivor or survivors after the death of one or more of them, and such payments and the receipt or acquittance of the one to whom such payment is made shall be valid and sufficient release and discharge to said bank for all payments made on account of such deposit. The surviving husband or wife of any deceased person, or, if no husband or wife is living, then the children of said decedent, or, if no children are living, then the father or mother of such decedent, and if neither the father or mother is living, then the brothers and sisters of such decedent, may, without procuring letters of administration, collect of any bank any sum which said deceased may have left on deposit in such bank at the time of his or her death; provided, such deposit shall not exceed the sum of five hundred dollars. Any bank, upon receiving an affidavit stating that said depositor is dead, and that affiant is the surviving husband or wife, as the case may be, or stating that decedent left no husband or wife, and that affiant is, or affiants are, the children, or stating that decedent left neither husband, wife or children, and that affiant is the father or mother, as the case may be, of said decedent, or stating that the decedent left neither husband, wife, children, father or mother, and that affiants are the brothers and sisters, as the case may be, and that the whole amount that decedent left on deposit in any and all banks of deposit in this State, does not exceed the sum of five hundred dollars, may pay to said affiant or affiants, any deposit of said decedent, if the same does not exceed the sum of five hundred dollars, and the receipt of such affiant is sufficient acquittance therefor. Act of the Legislature, approved April 21, 1911. Section 897.-LIST OF STOCKHOLDERS.-Every bank now in existence or hereafter organized shall keep in its offices, in a place accessible to the stockholders, depositors, and creditors thereof, and for their use, a book containing a list of stockholders in such corporation, and the number of shares of stock held by each; and every such bank shall keep posted in its office, in a conspicuous place, accessible to the public generally, a notice signed by the President or Secretary, showing: 1. The names of the directors of such bank. 2. The number and par value of the shares of stock held by each director, The entries on such book and such notice shall be made and posted within twenty-four hours after any transfer of stock, and shall be prima facie evidence against each director and stockholder of the number of shares of stock held by each. Act of the Legislature, approved March 1, 1909. Section 898.-PARTNERSHIP LIST.-Every co-partnership doing a banking business shall keep in its office, in a place accessible to the partners and depositors and the creditors thereof, a list of the partners and the capital paid into the co-partnership of each partner. Act of the Legislature, approved March 1, 1909. Section 899.-DEPOSIT LIABILITIES.-The aggregate of paid-up capital, together with the surplus, of every bank, must equal ten per centum of its deposit liabilities; such deposit liabilities shall not be increased when such proportion of paid-up capital and surplus is wanting, and in no event shall said paid-up capital be less than the minimum paid-up capital provided by this act. And, provided also, that no savings bank shall be required to have a paid-up capital and surplus of more than one million dollars, or if organized without a capital stock, a reserve fund of more than one million dollars. Act of the Legislature, approved March 1, 1909. Section 900.-BANK RESERVES.-Every bank, other than a savings bank, shall have at all times as lawful reserve an amount equal to fifteen per centum of the aggregate amount of its deposits; two-fifths of such reserve shall be in its own keeping in lawful money of the United States; one-half of the remainder of such lawful reserve may a reserve consist of moneys on deposit, subject to call, with any bank or banks in this State, other than a savings bank; and the balance of such reserve may consist of moneys on deposit, subject to call, with any bank or banks in the cities of New York, Chicago or St. Louis, other than a savings bank: provided, that every bank receiving deposits as a depository bank of other banks, shall maintain as a lawful reserve at least twenty per centum of the aggregate amount of its deposits; two-fifths of such lawful reserve of such depository bank shall be in lawful money of the United States in its own keeping; one-half of the remainder of such lawful reserve of such depository bank may consist of moneys on deposit, subject to call, with any bank or banks in this State, other than a savings bank; and the balance of such reserve may consist of moneys on deposit, subject to call, with any bank or banks in the cities of New York, Chicago and St. Louis, other than a savings bank. If the lawful money reserve of any bank shall be less than the amount required by this section, such bank shall not increase its liabilities by making any new loans or discounts, otherwise than by discounting bills of exchange on sight, or making any dividends from profits, until the full amount of its lawful money reserve has been restored. The Superintendent of Banks may notify any bank, whose lawful money reserve shall be below the amount herein required, to make good such reserve; and, if it shall fail for thirty days thereafter to make good such reserve, such bank shall be deemed insolvent and may be proceeded against under the provisions. of this act. Act of the Legislature, approved April 21, 1911. Section 901.-DEPARTMENTAL BANKING.-Any corporation authorized by its articles of incorporation so to do, may combine the business of a commercial bank, savings bank and trust company, or any or all of them. Act of the Legislature, approved March 1, 1909. (a)-Consent of Superintendent.-When a bank desires to do a departmental business, it shall first obtain consent of |