of the guardian’s hands, upon the heir’s attaining the requisite age,—twenty-one for males, sixteen for females. 2 Bl. Comm. 68.—Liveryman. <A member of some company in the city of London; also called a ‘“freeman.”—Livery of seisin. The appropriate ceremony, at common law, for transferring the corporal possession of lands or tenements by a grantor to his grantee. It was livery tn deed where the parties went together upon the land, and there a twig, clod, key, or other symbol was delivered in the name of the whole. Livery in lato was where the same ceremony was performed, not upon the land itself, but in sight of it. 2 BI. Comm. 315, 316; Micheau v. Crawford, 8 N. J. Law, 108; Northern Pac. R. Co. v. Cannou Oe C.) 46 Fed. 232.—Livery-office. An ofce appointed for the delivery of lands.—Livery stable keeper. One whose business it is to keep horses for hire or to let, or to keep, feed, or board horses for others. Kittanning Borough v. Montgomery, 5 Pa. Super. Ct. 193. .A bailment without reward; consisting of the delivery of an article by the owner to another person, to be used by the latter gratuitously, and returned either in spccic or in kind. A sum of money confided ‘to another. Ramsey v. Whitbeck, 81 Ill. App. , 210; Nichols v. Fearson, 7 Pet. 109, 8 L. Ed. 623; Rodman v. Munson, 13 Barb. (N. Y.) 75; Booth v. Terrell, 16 Ga. 25; Payne v. Gardiner, 29 N. Y. 167. ; A loan of money is a contract by which one delivers a sum of money to another, and the latter agrees to return at a future time a sum equivalent to that which he borrowed. Civ. Code Cal. § 1912. —Loan association. LOAN ASSOCIATION.—Loan certificates. See BUILDING AND Cer- -tificates issued by a clearing-house to the associated banks to the amount of seventy-five r cent. of the value of the collaterals deposited by the borrowing banks with the loan comAnderson.—Loan is an agreement by which one person delivers to another a certain quantity of things which are consumed by the use, under the obligation by the borrower, to return to him as much 0 the same kind and quality. Civ. Code La. art, 2910. Loans are of two kinds,—for consumption or for use. A loan for consumption is where the article is not to be returned in sepecte, but in kind. This ig a sale, and not a bailment. Code .Ga. 1882, § 2125.—Loan for exchange. loan for exchauge is a contract by which one delivers personal property to another, and the latter agrees to return to the lender a similar thing at a future time, without reward for its use. Ciy. Code Cal. § 1902.—Loan for use. The loan for use is an agreement by which a person delivers a thing to another, to use it according to its natural destination, or according to the dgectiont, under the obligation on the part of the borrower to return it after he shall have done using it. Civ. Code La. art. 2893. <A loan for use is a contract by which one gives to another the temporary possession and use of personal property. and the latter agrees to return the same thing to him at a future time, without reward for its use. Civ. Code Cal. § 1884. <A loan for use is the gratuitous grant of an article to, another for use, to be returned tn specie, and may be either for a certain time or indefinitely, and at the will of the grantor. Code Ga. 1882, § 2126. Loan for use (called “commodatum” in the civil law differs from a loan for consumption, (call “mutuum” in the civil law,) in this: that the commodatum must be specifically returned; the smutuwm is to be returned in kind. In the case of a commodatum, the property in the thing remains in the lender; in a mutuum, the property passes to the borrower. Bouvier.—Loan, are tuitous, (or commodate.) A class of lment which is called “commodatum” in the Roman law, and is denominated by Sir William Jones a “loan for use,” ét-d-usage,) to distinguish it from “mutuum,” a loan for consum tion. It is the gratuitous lending of an article to the borrower for his own use. Wharton.— Loan societies. In English law. A kind of club formed for the purpose of advancing money on loan to the industrial classes.