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THE mi OF MOilTREItL WAR CONDITIONS REVIEWED. Mr. H. V. Meredith and Sir Frederick Williams-Taylor Speak of Its Ef- fect Upon the Country. With a world-war In progress, and unprecedented conditions existing, the annual meeting of the Bank of Mont- real this week attracted more than the usual attention, for it gave an oppor- tunity for the shareholders of the iBank and Canadians in general to hear (the views of two of Canada's most cel- ebrated bankers Mr. H. V. Meredith and Sir Frederick Williams-Taylor. Both gentlemen reviewed the situ- ation in very able fashion, and it is (Interesting to note that both express- ed the view that Canada was weather- Ing the storm with a certain degree of success. After, pointing out the fact that the Bank had greatly strengthened Its 'position during the year, Mr. H. V. 'Meredith, the President,' said: "The outbreak of hostilities brought about the collapse of the whole finan- cial fabric, the closing of the bourses and a world-wide financial cataclysm. 'For a time, at least, a. condition of well nigh general insolrAcy was Uireateried. "Britain's command of the sea was undoubtedly the chief factor In bring- ing a recovery of confidence, but great credit is due to the Government and itheir able financial advisers for their 'bold and statesmanlike views of the situation and their prompt action in meeting the crisis as well as to the Bank cf England, ior the courage and activity with which the plans of the Government were carried out." Situation in Canada. After giving an exceedingly In- structive review of the world position, Mr. Meredith said of Canada that agri- culture was prosperous but a general luspension of new undertakings is ap- parent. At the same time he thought that as regards unemployment our position will compare favourably with that of other countries. Mr. Meredith pointed out that for- tunately it has not been necessary for Canada, to resort to a moratorium, and closed his remarks in the following hopeful vein: "War and other adverse conditions are bound to retard our progress. A period of rest and recuperation may loss of $3,000.000. This shows a net ' Kaln of $7,MR'.(>00. The Bank's profits for the year were $2,496,000, compare;! with $2,6-18,000 a year ago. While, this Is a small fall- ing off, it is insignificant compared i with the fine result: achieved In forti- fying the Bank's licsition. A Big Surplus. It ia noticed that the Bank loaned the Dominion Government jo.idin.ui.i) during tl.e year, and also loaned over ' $9,000,000 to cities, towns and school districts to help them over a period ' that made th'e raising of money through debenture issues exceedingly difficult. Another interesting Item is the fact ' that the Bank gave the Canadian Patriotic Fund $100,000. A-fter making the usual liberal ai- i lowances, the Bank carries forward jlnto next year $1,232,000, compared, with $1,046,000 the year previous. Bank. Men at Front. Not fche least interesting statement' i made at the meeting came In a reply , Sir Frederick Williams- ' iylor maue to a motion of thanks to the staff. He said: "We have on active service 162 fine | 1 athletic young men, the best In the , I land, and double that number would ! gladly go to the front could they be ; ' spared, and meanwhile hundreds more ! of those on our nominal roll are . drilling. Those with the colours will; surely be a credit to Canada and this bank, and may I add that those who remain behind are foregoing their holidays and doing the extra work devolving upon them cheerfully and ungrudgingly. Wiii QuicHty Cure Any Scur Stomach Relieves Fullness Mtzr Mtals. THK SOMHKK'S MORMNti PRAYKR. (Psalm 5:3.) O Thou who ever livest. We seek Thy grace this day, That in the strength Thou giveat We may Thy word obey. May we resist temptation, And may ther* in us be The joy of Thy salvation That we may walk with Thee. Be near when foes are pressing, And strengthen heart and nerve ; Bestow Thy- gracious blessing That we may never swerve. Be near when prospects favour And great success is known : Be near whtn comrades waver And we must stand alone. At evening time, as ever. Be near to guard and keep; Accept the day's endeavour And give refreshing sleep. When weary eyes are closing Regard our one request May we in Thee reposing In peaceful safety rest. -T. WATSON. Ridgetown, Ont.. 1914. Sir Frrderick Williams 'Pa; . General Manager Bank of Montreal be expected, but the future depends to a great extent upon the spirit with which the people meet the changed conditions. "Economy and prudence in the mat- ter of expenditure, and an earnest effort to increase production of ex- portable articles v. Ml. in time, usher In an era of active trade and renewed prosperity." Stands Strain Well. Sir Frederick Williams-Taylor, after pointing out that the Bank of Mont- real was 97 years old, spoke cf th" great stability of the institution, and later reviewed Canadian conditions as a whole and by each province. Speaking of the war's effects, he said in part: "The outstanding result has been the instantaneous stoppage cf the sup-" ply of British capital, to which we had become so accustomed that sight was too frequently lost of its importance as a factor In the development of the Dominion. "Money from this source flowed to us in such increasing volume that during a considerable ante bellum period it amounted in round figures to at least $25,000.000 per month. Cana- dian public borrowings from the Lon- dou money market for the seven months ending 31st July were $177,- 000,000. Since the outbreak of the war the inflow of such capital hag ceased." Our Own Resources. How to face the loss of this money and continue to expand were serious problems. Sir Frederick said WP were now getting a little money from the States, and added: "It Is obvious to everyone that we are cast upon our own resources, that we are on trial, and that our future development will depend in uo small 'measure upon the condition ia which we emerge from this trying ordeal. "The longer the duration of the war, t)ie more wll) the colonial props of the Empire. Including Canada, suffer; but gooa will come out of evil, for our energies will be turned to the develop- ment of our great natural wealth, par- ticularly our vast agricultural re- Bources, and we can. then look forward with confidence to eventually emerg- ing from present conditions a wiser people, with our affairs on a healthier, more normal, and sounder basis." Big Gain in Assets. The Bank of Montreal, itself, came through the trying year with Dying colours, and its total assets are now $259,400,000 compared with $244,700,- 000 a year ago. An interesting feature of the statement is the fact that de- posits are considerably higher than they were last year. Deposits bearing interest are now $154,500,000, an in- crease of $10,000,000, while non-inter- est-bearing deposits *re J42.6W.OOO, PLEASED TO RECOMMEND BABY'S OWN TABLETS Mrs. Henri Beraier. Anceline. Que.. writes: "It is with pleasure j that I recommend Baby's Own Tab- lets, which I have given my littl^ - for vtnniacli and bowel trou- bles, cunnirution, loss of sleep, and simple fevers. No mother of young children should be without tht-m." The Tablets are guaranteed to be free from injurious drugs and may- be given to the youngest child with perfect .safety and good results. They are sold by medicint 1 dealers or by mail at 25 cents a box from The Dr. Williams' Medicine ('.... Brockville, Out. And Cuticura. Ointment oc- casionally. They succeed even when others fail. Samples Free by Mail Cuticura 8op anrt Ointment sold throughout the vorld. Llberalaampleureacti nulled free, wlta 3--p. took. Atlcirw "Cutlcura" Dept. K, Bourn, n.a.A. \'. i- i I was working around the : farm last iv'r.l. r, I had an attack of i.iniaticn." Mr. E. P. Daw- kins, cf Pert Ui-'hmor.tl. "I was i for a long tin'.p, but well enough to , work until spring. Hut something w".it wrong with my bowels, for I had I to use sal's cr physic all the time. My ' stomach kept, sour, and always after , ain acd fuiln.:sn and all ihe syuiiHums of Intestinal indiges- .Vetoing !:e!ped me until I used j Dr. Hamilton instead of hurt- ing, like other pills, they acted very mildly, and seemed to heal the bowels. , I did nci .rgt- 'loses to ^ '.' Dr. !-!:i[ii : .::::!i'.-: P; 1 .!.-', and I ff el so glad that I have found a mild j yet certain remedy. To-day I am well :io pain, no sour stomach, a good ;-appet!te, able to d'gt-st anything. Tnis !e lot of gocd for - 1 nine ' ..<\ I r-au *ay Dr. Hani!!- Pill.s ar ' the i). .,T pills, aud my r, 1 am sure, proves it." Refuse a substitute for Dr. li ! ton's Pil!? cf Maii'-lrako and i: . , t:iu. H.;' ! low boxes. - r^. i r h-- t'atarrhozcne Co., ton, Ont. ,j. I OVKR -ii.i!ii,i...;n:i I'NDER AH" Vi;tr K\pi r^c in [lamp;- of Over *.-,,).r,'. ,1.110 a Day. nature, but I have been -assured by .vjni whose opiai.,n carries weight t::-;t tiie (Jr'ojeci is \v<j]'ka,ble. Jt will lutrdly be gainsaid u'vat five hundred . | : rained Japan - oldiers w-ii!d tt:rn the scale at the present conjunction. It iias been truly said that the j.-ct for which we are now strug- rii-n-l. tn defeat th ' >mc armies nr to be able t>. call the war a draw. Neither con- -iuld aval! u-s aus?ht. it would : us from the ; tree of Prussian ro'' : 'irisni undi-. ;s shade all : wither. niin it an-l whnt aloae can i- is die air 1 n of Aith ail '' i : .\ . rei , d-'f- T?nce to B are concern -d ir enemi'-s - ' r than fail in our Is them. . ve are begi'ining : miz- 'Xing Qitix . - n POTTED MEATS- Full flavored and perfectly cooked nialte delicioua sandwiches. The child's delight. The picnicker's choice. Everybody's favorite. "!!. Hhat Sh,- Buys Is \\ \ . i ' - Maud's new . .. - i-ie It fits .s . YOtB OWN DBl Try Marine Eye faea Ere* aud c;. . !u Ky^ Com/or . j JGI5T Wttl TELL "VOIT I KyeUds; No Sma: r Bonk of : , one corner of tie baggage car. It takes up but very little room. A small storage battery is used in con- nection with this set so the cars may be lighted even if the lucomo- . tive is uncoupled and rem-ived. The advantage of electric lights for passenger trains aie many. r ir>t of all, they eliminate the dan- gerous gas tanks and gas lighting systems, and the old oil lamps, which usually set fire to the train in case of wreck. The electric j lamps do not overheat the car dur- ' ing the warm days of summer, and they do not vitiate the air of the coaches, making travelling uncum- f<;rta-ble for want of good ventila- tion. I K.lliIM. TRAINS. How Flcctricily Is Prj>dtirrd Aboard Moving fars. The electrically-lighted passenger train is no novelty on any first e i road, but there are few passengers who can tell how the electric cur- rent i* produced which keeps the electric lamps burning regardless of whetiier tin- train is in motion or j nut. First -class passenger trains are j not only lighted by electricity, but the currtnt lias beeou adapted to: drive electric fans during the hot j niinnior months, and, in one or two! instances it is also used in the kit '' chen of the dining-car, whore th.' food is cookctl over the invisible fires, of electricity. In lighting a passenger train pro- visKn 'must bo made for supplying the current whether or not the train . is in motion. To accomplish this a-< storage battery is generally install-' od in connection with the electrical generator. There are three systems , in use for train lighting. The first! is the straight storage system which j consists of a- storage battery large | enough to store sufficient current ( for the needs of the train en route : between terminals. Of course, this! storage battery has to be charged before each trip. The lamps are lighted by merely turning _the switch which draws the current stored in the battery. In bhe second system a small gen- j erator is geared or belted to th? j wlioels of one of th^ cars. This' generator supplies electricity di- ' reet-ly to the lamps and also to an i auxiliary storage battery, which, j keeps the lamps burning when the train is standing hi stations or yards. This system is rather more complicated than the first, but has the 8Sdd advantage that the stor- age battery does not have to be charged at the terminals. In the third system a small gen- erator driven by a Curtis steam turbine engine which secures steam from the locomotive boiler, is used to supply the current. This tiny turbo-generator may be mounted on top of the locomotive boiler or ia Brothers in Distress. The wife of the colonel was mak- ing the round of the hospital, and paused at the bedside of a wound- ed Highlander. The gallant fellow, one of whose lei; had been recent- ly amputated, was toying with a German helmet evidently a tropliy of war. 'Well." said the lady. "I supposed you killed your man .'" "Well, p.aw,'' quietly responded the soldier, "you see it was Tike this. He lay on the field pretty near me with an awfu' wound, an' bleedin' away somethin' terrible. I was losin' a lot o' blood too frae my leg but I managed to crawl up to him an' bound him as well as I could, and he did the same to me. Xawthin'. of coorse, was said be- tween us. I knew no German, an' the ither man not a word o' Eng- lish ; so when he'd done, no set-in' hoo else tae thank him, I just *mii- ed. an by wav o' token handed him my Glengarry, and he smiled back an' gave me his helnjet." MKSMER1XKD A Poiwonoii* I) PHI: Still Freely CML Many people are brought up to believf that tea and coffee are ne- .ties of life, and the strong hold that the drug, caffeine, in tea and coffee ha* on the system makes it hard to loosen its grip even when one realizes its injurious eff- A lady writes: ''1 liad us-^d cof- fee for years; it seemed one of the necessities of life. A few m* ago my health, which had been slowly failing, became more im- paired, and I knew that unless re- lief can:-. 1 fr. tn some source I would soon be a physical wreck. "I was weak and nervous, had sick headaches, no ambition. and iVIt tired of life. My husband was aT"< losing his health. He was troubled so much with indigestion that at times he could eat only a few mouthfuls. "Finally we saw Postum adver- tised and bought a package. I fol- lowed directions for making care- fully, a-ml added cream, which turn- ed it to the loveliest rich-looking and testing drink I ever saw served at any table, and we nave used Postum ever since. ''I gained five pounds in weight in as many weeks, and now feel well and strong in every respect. My headaches have gome, and I am a new woman. My husband's indi- i;i -lion has left him, and he caji now eai ativthing. ' Name given by Canadian Postum Co.. Windsor, Chit. Read "The Road to WeHville." in pkgs. Post urn comts in two forms: Regular INwtiim must be w?ll boiled. 15e and 25c packages. Instant Postlim is n soluble pow- der. A tea spoonful dissolves quick- ly in a ci'p of hot water awl. with cream nn'.l suear. iua"kr* a delii beverage iitt;iiltly. 30c and 50c tins The cwt ppr cup of both kinds is about the same. Thor'<s a Ren-yon" f.-r Pixstum. sold by Grocers. According : th<Te wf-rs in K.ir.jp.; ;u the end of Ai'?u-: aVui :..V100.000 men a/ctu- under arms. At the beginning of Oci< her, Oermanv. according to i Swiss report*, had under arm- 27 Army Corps of her reg.i'ar ti and an equal number of res<- making j. total of 54 Army Corp.-. nay 2. 1^0,000 men Of these i! Array Corps were in France, 6 in Belgium and Alsace. 13 in Ku-: Pru&sia. and 11 between Thorn and Cracow. There are in addition -t- suraed to be 1,300,000 Laudsturm and volunteers serving in the inter- ior, while 000,000 fresh recruits art reported to be in training, suf- ficiently advanced for them to be ; ready for service in November, i Even the neutral states, it was M- i timated, had mobilized more than 2,000,000 soldiers on a war footing. i-'.T each soldier, including iniiia. and consequent expenses, lOc. per day is u- -i iu an esti- ; male. This giv^s a tX'ta! daily war expense in Europe of over 10.000.- ; 000 sterling. Of this (says the Economist) Germany would pr.nide for some :;. 200,000 per day. AJI- tri;i for 1,600.000, Hit." i f- r 'J-J. 100,000, and France for 1,600,000.! Kve-i - then spend- ' ing some (50.000 daily, and H land [, JS 100.000. Tight Money Pinching Many ThnuwUKhi inorv are bring -timwd hy aohing oornti whirh ".I M 'v -jrtfd nu.i'k!y with Putnam'H Corn hstra<-u>r. Bring free from can* <v. Putnam's ia painl.iw. Cied gucmvfutiy for flfty ye:irs. V !) otliw. 25c. at aJ! deolera. 4. \\tl.L JAPS FIGHT IN fcl ROt'K.' SHjiurMioii liiat Hril.iiii Should Not 15. I.,.. (}ni\uiic. Dr. E. J. DiKon has a most in- teresting article in. the Contempor- ary Review, in which he summarizes the main issues of the war. He points out the hop:;ful aspects aud equally forcefully those which are not ao hi pfful, and he makes some very useful suggestions which he claini* ".-(I'lld, if adopted, make fur the success of the Allies. Of these the most notable is that we should accept the help of the Japanese army. "The Hr.tUh F.mpire has an army : in the making. It will be ready some j time in the first half of the coming ' year. But 'lie million men that we i shall then put into the field will be of mue'ii lets re!at:\f \ ihu- tlui' I hundred thousand sent to the ng'it- ing line to-dav. K vents are moving The situation is changing nua'.iv. Much <-f what is now happening can be remedied lat-r. but some events are irremediable. Speed, therefore, is almost as valu- able to us as it is to our foes. "It has been frequently said that we have no real need of men, that there are millions throughout the Kinpire eager t-o join the colors. H;i!'pily this U true. But this splen- did fighting force Is not available at once. "Now the muses that make it Lm- p.p.iblc for them to take the field at once are inoperative ia Japan. I possess no first hand knowledge as t-o how the Tokvo Government would respond to a request of this ".\erviiinf (HIVS ('ramps End )ih!>ry Instantly NO REMEDY SO SPEEDY OR EFFICIENT. A real cramp cure? Yes, a real one- In a twinkling the cramp Is a dead one, and the last squirm is over, once you get a stiff dcae of Nerviline on the Inside. Thia isn't mere talk it's a solid, truthful fact. No other rnniedy not | a single one will cure cramps so , cpjlckly aud harmi.-ssly as Nerviline. ; It hits the spot in a jiffy and saves a lit-ap of misery. "Last Saturday niph* my stomach' felt like an in;'er-:al machine. " writes | T. P. Granger from Hartford. "I was awakened frcm a sound sleep and found myself suffering the worst kind of torture. I was so doubled up I could hardly cross my room. I luid used Nervlline before for the same thin? and took a real good dose. Once I felt ilie. warm, soothing aensatii;:; ui N.-rv:;i:i" 'n my stomach I knew I was all right. It finished the cramps -just one single dcse." Sickness at night is rendered a nightmare cf the p;i.>t :f .V handy. It may be earache, toot!, or cramps. Nerviline in e-. will cure at once and save calling the doctor. N'ervUine is a family |- clan iu itstlf. The larg;; .inc. f;; >i/>' bottle, of course, is most ecc. cal. Small tr!;il *ue cns:s a ijii.: All dealers soil N -rviline. l.\h\-l\l. -\ ing lady had been .id- -ing a somewhat and in <MUc'u.?ii>n sai-i. d I aiake myi>s!f p?r ; . A Vnu'e frcm t'i- Ha:-k of t-he I di.n't k: - . must have done it. Ulnard's Liniment Cum Garget In C?w. ijiR Him. Barber Your hair's very th:: " p. sir. t fitcmer Ah. I'm .r ; a<l . f that, I fat hair. lnaid'i liniment Cures ' T!: "li'i? as ';.; There L-n't, eh? l)id . >u evnr 329 anybi dy upset an i".k'-:and wh-- , - -:: FARMS FOR SALE. H. W DAWSON, Ninety Colior-!- Toroi.lo. IF YUi: WAM' ro : Y ': .-L.LL \ Fri it. >to<-li. (;rj.n ur ;>:., r U. W Di'i-'n. fir:::-- Col- hr::i> .-!.. 7>ron:;. _ H. W. DAWSON, Coiaarna St.. Tors.-'.j. _ MISCI-LLANEOJ3. _ CA.NU1-.U ! - kin br .JUT . on bel'.-ro ton U'>- Co . Llir.:*!';i- f " i > So I'o.ii. l> It Hurt. ur face hurt you much !" N". . J. h ! :ni. . Wiiat m. i! think my face ac. - ->-r -:ii-l you were painful*',- liotiie.v . " Machsnerjf for tirwl "f p.i:nfil (5<-!;re by" MJN i.INIMKNi 1 , BAVAKH , . .! (i "i Infl.irmiKit.on by AUD - I.INIMK.N i'. MK^. \V. A. 1 WaJafc. Ont I mar << ' MINARDS ParkdJlf. Oni. Engine, shaftins. l:el - from large la-.'tory f . with cyLn'ler ' . ' .vh '!. b--.-.r- inp=. etc.. all in e d O'ud:ti.-n. Shaftinst frun -i;.-ce inch- '. iuche- fiftv i:v:H's. belting ix inchi'.-- ' twei. " ell entire ..r in part. NO KKASOYVIJI.r: OKFKH i:;:'. i >K. S l-'ra;:!: \V. > n. 73 -\d.-'.ii(l.' Sfe^: W--:. I nderslood Ciiiliiren. Applicant "Xo. ma am. I could not work \\:;ere there'-; <-hi 1-en.' Madami "Bur. we advertised f<ir a. girl who underst-jod children." Applicant "Oh. 1 uuderstand '*m. noa'-Tm That's why T work where thev are." A WARM WINTER. June w>.Tth<>r pr<>v:ule in faliforn::. :i. tdoal '.ratoriny place. re;:ohod <-i>ruf*)rtubly ) nd conreinontlv l>y thi- t'h!<-.iKo i .1 N.ir'.h Wi-stern Ky Four Bplen i i daily from the new Passenger l>r.: L'hicaeo. Th" 1 Overland Limited f.ic'.v train to >.i" !'" in-'^-'O ; the L**i Angt'ln* Limited thrri- -layt- < Land o: - t.ho f; : Kr i:ii.-.w.i L.III.IIM! ajid the Califonr:i Ma. Il.ltos. li : liter ,,n r. !:(,<!: i and the 1?15 Kipoeitioiifl and full pan .-11 larff on application to B. II. Bennett. <;! eral Agent. 46 Yongv St-eet. Toronto. Ont. Bridget's A\h>iii. "\Vhy. is it on.ly one o'clock I thought it was two." said Mrs. Bronson as the clock struck in-. "Naw, mum. 1 ' said Bridget. "I - niver lather thin wan at this toime uv day." - DODDS KIDNEY >j PILLS i i>. 7. '14. Mlnard's Liniment Curts Oistempar. One day the five-year-old daugh- ter of the house was looking through a picture book when she suddenly glanced up to her mo- j ther. "Mamma,'' said she, with a very serious expression, "don": i men ever aco to heaven ?" "Why. of course, my dear." answered tin- mother in a surprised voice. "What makes you ask T ''Because." re sponded the little girl, turning tc the book again, "I have never seen any pictures of angels with whis- kers '' ''That's easily accounted f<T. darling," was the smiling re- joinder of mother. "While men il go to heaven, they on.lv got there by a very close shave.'" Procra8tin.il -i is the thief of a good time. Mlnard's Liniment Cum Cold*, Ac Better than a Mustard Plaster FOR colds in ths chest or sore throats: for rheumatism or stiffness; for sprains and cramps; Capsicum "Vaseline" brings quick relief. CAPSICUM Trade m4rk It does all that a mustard plaster will do. Is cleaner, easier to apply, and will not blister the skin Thr re muny other "Vaseline" preprtions simple home remedies thil rfwuld be in every family Ca.bolti " Vaoliae", tn anti- tptic drejiing for cuts, insect bite* .; Whit* "Vaseline", to pre- vent redne nd lougnnen of face and hnds: pure "Velin". for piles, chilblains, etc, and others. Writ* for our new illustrated book- let describing their many uses. CHESBBROUGH NF'G CO. (ChDMfidttijd) 1MO CHABOT AVE. MONTREAL