Family
Ephraim Smethewicke’s will left everything “to his family”. But although Ephraim was well known and loved in the town, a ready companion and support to young and old, high and low, rich and poor, he had never made mention of wife nor children, nor even brothers, or cousins. An industrious life and modest living in old age had left a substantial estate, which his executors considered too large to merely drop in the poorbox as an intestacy.
At last, they decided to found a bank, for the assistance of business in that town, devoting the profits to charitable works. And so Ephraim’s will was fulfilled.