Haworth knew better than neglect to make out and send the proper "returns;" the expedients, however, by which he contrived to get them, false and true, signed, were wonderful for their cunning and daring rascality. It is impossible to spare space to describe them in detail. "Is it your belief," said Mr. Sotheron Estcourt to the Rochdale witness, "that the returns were always properly furnished?" "I should say so," said Mr. Taylor; "Mr. Haworth _was exceedingly exact_!" When asked why the managers and trustees did not look at the papers to which they put their names, Mr. Taylor said, in justice to these men, that "George Haworth's power of deception was very great, and they were deceived by him." When it suited him he would deceive a gentleman into taking office, and then constantly deceive him in the execution of the duty allotted to him. He went to one gentleman and asked him to become a trustee; the person excused himself on account of his business occupations and the risk; Haworth said that the responsibility was with Government, and showed him a draft bill which had never been passed into law! Satisfied on this point, the person then inquired as to his duties. The arrant rogue said he wanted his name to act as a check on the managers, and sign orders for money which they had audited; _for_ "_the managers manage the bank_." When Haworth had obtained the names of gentlemen to act as trustees, &c., on some false pretence or other, he had the audacity to trade upon their names. If any poor person, on becoming a depositor, began to express any doubt about security, Haworth, "who was much looked up to in the town by the poor," made answer: "Thou seest the names of these gentlemen; what dost thou think of them?" Having succeeded so thoroughly in beguiling those persons who ought to have acted as a check upon him, all the rest was comparatively easy to a clever and shrewd person like Haworth. Him task was far easier, indeed, than that of some of the Irish actuaries; and once the ascendency gained over the trustees, nothing but close attention and a vigilant _confidant_ were required. The first defalcation was traced back to 1837, and consisted of his forging the receipt of different persons whom he represented as having received certain sums of money. The great bulk of the fraudulent transactions was accomplished, however, by the actuary keeping two sets of books, one of which, marked, "H," were his private books, and the other the public ones. In his private book were found the accounts of nearly a thousand depositors, who, it seems, had been carefully chosen as having the largest sums in the bank, and who generally were bringing additions to their store, and seldom drawing upon it: these moneys he accounted for, "for he was exceedingly exact,"--but only in his private books; he never entered them in the regular bank books, and they were never acknowledged by any one but himself. Under any sort of supervision or audit from a disinterested