44 THE FREEDMEN’S SAVINGS BANK
This is a benevolent institution. All profits go to the
depositors, or to educational purposes for the freedmen
and their descendants.
The whole institution is under the charter of Congress,
and received the commendation and counsel of the President,
 Abraham Lincoln. One of the last official acts of his
valued life was the signing of the bill which gave existence
to this bank.
On the cover, also, was the following commendation
 from General Howard, which was to the
Negro sufficient proof of its connection with the
Bureau:
I consider the Freedmen’s Savings and Trust Company
to be greatly needed by the colored people, and have welcomed
 it as an auxiliary to the Freedmen’s Bureau.
—Major-General O. O. Howard.
For the purpose of educating the depositor in
thrift a table was printed in the book to show
the possibilities of a small saving each day:
A man who saves ten cents a day for ten years, will
have, if he puts it at interest at six per cent:
In year... roe A30.99
In Wiyears. cos vvv od 76.20
In 13 Ears. «ovis visi 7:21
inMdyesrs............. Wal.Y
In GS years. ............ 003.74
In Gyears.............. 005847
In 7 years............. 1113
In 8 years. coonnisi .ul367.03
In O Fears... ....iuvsqv 1026.37
Inl0years..... nes ea Ri59-31
There were, in one edition of the book, pictures
of Lincoln, Grant, Howard, and the United
States flag, and some verses, which, as charged
by unfriendly critics, the Negroes believed were
written by General Howard: