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if,53, The Ontario Mutual has now had 29 years of steady progress and the stand- ing of the Company must satisfactory to its policy holders From the reports submitted at, the annual meeting, a full account of the proceedings of which will be found in this issue, we notice that the total amount of insur- ancein force at the end of last year was $21,487,181.38. The net premium income last year was $644,107 05; the interest on investments, $175,873.25 , the amount paid in death claims, 8126,- 425,00, and in endowments, $49,086. The Company has put aside the full Government reserve of $3,327,789 46 and still shows a surplus over all liabilities of $231,417.05. In spite of the keen competltion in the field of life insurance the Ontario is still steadily forging ahead. The care and prudence which has characterized its management from its inception has never been relaxed and it is today stronger in the oonfidenise of the insuring public than ever. The body of the late William Ewart Gladstone was committed to its last resting place, amidst impressive cere- monies, in Westminster Abbey, on Siturday last, Princes, Lords and Commoners were present in large num- Hers to pay the last tribute of respect to the deperted.England mourned the loss of her greatest son and memorial ser- vices were held in all parts of the Kingdom. His grave is beside that of his lifelong opponent, D;sra.eli (Lord Betuxmsheld). The wish of the deceased had been for suancity but two fu- ture kings of England walked beside the great Commoner’s eoifia and all the nobility and learning of the state surrounded it. The Legislative Assembly's appor- tionment of the school grants for 1898 have been published, and from a. cir- cular received by County Treasurer Bowman, we gather the following amounts for the various municipal- ities:--- NorthDumfries'l‘p.................”$256 WaterlooTp-.. ..'............. SIS we11euey1'p.........-., 464 Wilmot'l'p.......................... 604 VVtonich'T‘p........................ 518 TowuofBerlin...................... 853 Separateb‘chool...................... 220 TownofGalt........................ 866 SeparateSchool..................... 58 To'ivno?Wabev1oo...,...........,.... 318 SeparateSehool...................,.. 54 Hespeler..............A...,......... 254 Preston............-...,.......... 221 Separate................ ........... 48 NewHamburg..,....................158 1Clmim..............................Lq.5 Of all the eulogiums delivered on the late W. E. Gladstone, perhaps, the eblesb and the most eloquent fell from the lips of Sir Wilfrid Laurier in mov- ing the resolution of condolence in the House of Commons last Thursday. As an example of pure oratory the speech of Mr. Laurier has reldom been surpassed in this or any other country and it is destined to take a permanent place in the classic literature of the English language. When a great occasion arises, the Liberal leader is always found :equal to the oeuasion. Minn-~- fg'lr,f2fom,', 81.00 per annum in advance '1 60 If no so paid: High class printing, English and German. in all Its branches. Advertising Rates reasonable, and will be made known on summation Notice of changes must be left at this offiee not later than Saturday noon. The copy tor changes must be left not later than Tuesday noon. Casual Advertise- ments excepted up to noon Wednesday of each week. . Waterloo Bounty Ghroniele. T We aim to give this character to all on clothing and it is worth paying for. It i worth paying more for - bat we do no charge for this. Why go to tailors then who Mk style when you can procure it without any additional cost with us. Our '16.00and$i8.00smitingsarethebest_youever new for the money, and our $4.00 Trousers are sold at $5. 00 and $5.50 by every tailor in the trade. We are sole agent for the Genuine London England Christy Hats, the beat in the world. STRASSER & CO. Hatters and Mothers Our Styles Are Good Legislative Asssmnb1ar'ss Apportion- ment for 1898. LAURIER ON GLADSTONE. GL ADSTONE’S F UNER AL. DAVID BEAN, Proprietor, Weekly Newspaper published every Thurs day morning. THE ONTARIO MUTUAL. 1"; H” 4,, fyG "-i.r,- ' A) 17...“. v; J. c"f rhur'KL7) 'ti' i 'st/tip.., _ 'i,"fc,t'il',1i,;Y'r':iiri'j" ' t n-‘fu-L}. N ,: 1 _ 'su' a, F.; I - _ V 'r/wrt. yFjt, Ago, THE SCHOOL GRANTS. IF YOU DON'T BOY YOUR CLOTHING FROM os t : ', T0 ADVERTISERS Waterloo. 8266 8 l 8 464 604 518 853 220 866 , 58 348 54 254 221 48 158 135 ll holders I'.............". Mortality for 1897. . . . . . . . . . Surplus earned.... ...... ... Surglus oyer,all liabilities, our force .................. 21,487,18138 Reserve to meet liabilities on insurance in force accord- ing to Government re- quirement, ILM. 473%. . . 3,327,789 46 According to our standard, Actuaries' 4%. . . . . . . . . . 3,486,372 41 Amount paid for death claims 126,425 00 Endowment................ 49,086 00 Purchased Policies . . . . . . . . . . 97,784 29 Annunities................. 78017 Surplus.................... 73,67629 Total Am't paid to Policy W "'yyeandarcl, Actuaries' 4% 231,417 05 Government SAI, H. M. 4W, 390,000 00 90, Grlounting to. . . . . . . Net Premium income. . . . . . . Interest on Investments. . . . Total income... ............ Total Assets...........,... Total amount of insurance in The demand for money was not active during the year but the funds of the Com- pany have been fully invested, but at a little lower rate of interest. The business ot, the past year has been in every way of the most satis- factory character 5 indeed it has been one of the best years, if not the best, in the history of the Company, both with regard to the amount of business done and the character and quality of that business, enabling us to distribute to the policy-holders the large sum of $73,676.29,an increase of nearly 82,000 over the previous year, and consider- ably over double the amount paid in 1887, $34,849. You will see by the report that the net result of the year's business, with regard to new business taken and business revived, we have added to the amount of insurance in force in December 1896 the sum of $1,485,719. It might be interesting to see how we compare with other Companies in the amount and quality of our business. We accepted assur- ance for $3,070,000 and added to our previous amount $1,485,719. The Canada Life reported accepted assurances for $4,942,081 and add- ed $1,971,988.08; Confederation, $3,- 080,472 and added $771,582; '"iiri' are pleased to inform you that the business of the past year has been of the most gratifying character in every respect, and that we still continue our liberal scale of distribution of surplus to our policy holders, notwithstanding the great lowering of the rate of interest,, and consequently lessened earning power of money. The number and amount of policies issued during the year was 2,020 am'ting to 83,070,900 00 No. of applications declined 90, amounting to. . . . . . . 122,500 00 Net Premium income. . . . . . . 644,107 05 Interest on Investments. . . . 175,873 25 Totalincome............... 819,980 30 Total Assets. . . . . . . . . . . . . . . 3,741,405 01 The interest or; our investments has been well met, and the amount of overdue and wowed interest is much less than for many years; Yo"a "wilt be called upon to eleet four directors in the place of B. M. Britten, QC, Cleo. A. Sommerville, F. C. Bruce and J. Kerr Fisken, all of whom are eligible for reelection. In moving the adoption of the Rs. port the President said, I am sure you will, with me, deeply regret the death of our late President. As was ex- pressed in the address to his family, the Board feel that as individuals they have lost a valued friend and wise counsellor, and we know that with us you' highly appreciated his sterling honesty and integrity, and the faithial. ness with which he discharged the duties, of President for so many years. " The collapse of several of the larger Assessment Companies, and a feeling of uncertainty towards some others, have had the effect of directing the attention of many of the better class of assurers to Companies whose business is based on level premiums and ample reserves. With other old Line Companies we have been benefited by increased business, and hope to benefit to a much larger extent in the near future. Financial Statements prepared a' d certi- fied to by your Auditors are herewith submitted for your consideration, also Certifieate of Executive Committee on Mortgages and other securities of the Company. _ .. _ Since We last met you, it has been our misfortune to lose by death, the services of our President, the late I. E. Bowman, who was one of the founders of the Company, its first and only President up to the time of his death. Eulogy of him is not necessary, as he long held positions of honor and trust, and deservedly commanded the universal respect of all who knew him for sterling honesty and integrity, for his fairness in all his dealings with his fellow-men, and for his devotion to duty. He will be missed at the Board, over whose deliberations he so ably and so long preside I. Mr. Hendry was appointed director in his Place. _ The President then called upon the Secretary to read the Directors’ Report. Your Directors respectfully submit the following as their report for the year ending Dee. 31st, 1897 '. . .. ' ' Waterloo, May 26th, J898, On motion of Mr. E. P. Clement, saconded by Mr. Geo. A. Somerville, Mr. W. EL Ridden, Secretary of the Company, acted as Secretary of the meeting. The minutes of the lash Annual Meeting were formally taken as read and adopted. The President, Mr. Robert Melvin, Guelph, occupied the chair, and on the platform the following directors were seated 2 Messrs. Taylor, Hoskin, Bruce, Britton, Fisken, Clement, Kidd, Som- erville and Fair. The 28th Annual Meeting of the Ontario Mutual Life Assurance Com- pany was held in the Town Hall, Hrs.. terloo, Ontario, on Thursday, May 26th, 1898. The attendance, though not large, was representative, and much enthusiasm prevailed. Another Milestone Passed on the Road of Solid Progress and Increased Prosperity. ONTARIO MUTUAL LIFE On behalf of the Board The President’s address UPWARD AND ONWARD 29 Years of Success. R. Melvin, AN NUAL MEETING Présid on t. '780 17 73,676 29 347.751 75 135,633 00 91,303 39 OF THE In tmnelasion-1 have endeavored to show you that; as compared with 1896 we added largely to ourinsurence in force and as compared with 1887 we nearly doubled the amount; of insur- ance on our books; that. as compared with the past or any other year our lapses are very much less, our reinstate ments more, our total income much greater, and that we paid more sur- plus lash year thm in any pre- vious year; that as compared with 1887 we paid more than double, that we added largely to our Reserve and to our surplus, that our death rate was less, and that up to the first of May in the present year our new business is greater by $101,000 than for the same time last year, and our death rate up to May Ist is not greater than for the corresponding period of last: year. Therefore have we not reason to hope, with the active and earnest: scrapers-1 Oar Reserve is on the Actuaries' Table, the highest assumed rate of mortality, and all our business new and old is on a 4 per cent. basis, and has been for several years. Some of the Companies still base their reserves on 41 per cent. ll. M. for both old and new business '. The Canada, at 4 per cent. on the Ameri- can Table ; Confederation, old business, H. M. 41 per cent, new busi- ness, H. M. 31 per cent.; Dominion, tl, per cent. 11. M. on old business and 4 per cent. on policies since July 1896; Federal, 41- per cent. ELM. on all its business; Great West,4 per cent. Actu- aries', on all its policies; Manufactur- ers', H. M. 4% per cent. on old business and 4 per cent. on new business; North American, old business 'l per cent. II. M., new business k per cent H. M, since last year only; Temperance & General, H. M. 41 per cent. on old business and 4 per cent. on new busi- ness, and the San now H. ll, 4 per cent. It may be that in the near future we may require a 3 1-2 or even a. 3 per cent. reserve, which some of the British Companies have already adopted. For the new business of 1897 the Reserve by the American Experience 3l1( Table is $546,043, while by our Standard Actuaries 4% it is 8ri,415, being a diiferenoe of $1,628. If therefore the liabilities were computed by the Actuaries 4% Table for old business and the American Experience 3l-7, for new business, the total amount would be increased by $1,628 and our surplus correspondingly decreased, It would be an easy step therefore to assume the two standards of 470 for old and 3950/9 for new business, thereby placing the Company still further in advance of all its competitors. The -death rate is a certain and fixed quantity, while the rate of interest or value of money is very unstable, but always with a downward tendency. So what- ever we may do with regard to profits, surplus, eta, we are bound to make ample provision for payment to the utmost iarthing of our obligations In making these remarks I do not Wish to be understood as meaning that the time has arrived to change our basis of Reserve, but if the time should come when it may become necessary, that The Ontario, as on former occasions will be one of the first to adopt a still higher standard of safety. It is gratifying indeed to observe the very great decrease in lapses and surrender valurs. This has been the weak spot in all life assurance Corn. panies for many years, but: let us hope the very marked improvement this year may continue, and that not only we bat all other Companies may share in a. like improvement. Oar income has kept pace with the increase of our business and shows an increase over last year of $59,577 06, and our total meets show an increase over last; year’s of $336,497.32, amounting to $3,741,- 405 01. Ten years ago they were $1,089,448, an increase since 1887 of $2,651,957. It we were to adopt the primuple of many Corporations or Companies of adding to our assets the increased value of our debentures over the amount we paid for them, amount ing to $56,087, our assets and surplus would both be increased by that amount; but we have not in any case taken these securities in account at a larger sum than we paid for them. The 15 Canadian Companies added to their insurance in force, December 1896, $13,623 969 of which sum The Ontario contributed over 10%. The whole business added in Cmads it. 1897 by Canadian, British and Ameri can Companies was $16,513,949, of which sum the American added (ten companies doing business) $2,434,684 and British Companies (ten doing busi- ness) 8155,296. So that it will be apparent to you that we have more than held oar own in the struggle for business in Canada, and that the Canadian Companies are yearly absorbing more and more of the life assurance business of the Dominion, a result that must be gratifying to all Canadians. North American Life, $3,431,524 and added $1,451,708,- nud the Sun, (Cana dian business), $4,317,292, and added $1,261,172. Water', ty’ChPoniele, TE'iTrTs1 Mr, B.M. Bribbon, 20, M.P., King. ston, in moving a vote of thanks to the Manager, Secretary and C)ffioerir, took occasion to refer to the harmony that existed at the Annual Meeting of the Company, and the enthusiasm mani- tested in its proceedings from year to year. He was pleased to note the steady growth of the Company, and the sabxsfachory results achieved for its policy holders. He can Hearty votes of thanks were accorded to the President, Vice-Presidents and Directors for carefully looking after the Company's affairs', and to the Manager, Secretary, Actuary, Unicere and Agents for fsithfally discharging their respect- ive duties during the past year. "I find that in 1896, our average rate of interest on our investments was 5 62 per cent., and in 1897, 5.13 per cent. This to a great extent arises from our having to reduce the rate, in many instances, from 6 to 51 per cent. _ In comparison with other companies of about our size, I find that during the years 1896 and 1897 the net rate of interest) earned by them was respectively only 4 I l & 4 34, 4.92 & 4 65, 4 76 & 4.63 per cent.; so (you will see that our showing, by c2mpari- son, is a good one. Ag me very naturally desire to get as much remuneration as possible, but they should have regard to the decreasing earnings of all Companies, and also that very few concerns can stand an increas- ing expenditure' upon a decreasing earning power. . "I find that, as compared with other Canadian companies, out investments (excepb in two companies) upon mort- gages are larger and (except in one instance) our investmen be on debentures are greater, comprising about 75% of our total funds invested. Oar remain- ing investments consist almost of loans on the sem1rityyd our policies and real estate. “I might state for the information of the policy-holders, that once a year a committee of the Board handles every mortgage and debenture, and ascertains the position of each mortgage account, and where thought necessary gives instructions for their being looked after. "Like other investing institu. tions, some of the properties upon which loans have been made have fallen into the Company’s hands, but I am pleased to be able to any that the amount is not large nor the estimated loss considerable, the net income from it being last year equal to 31 per cent. R, ferring agiin for a moment to the lessening earning power, I would like to call the attention of the agents to lapses, These are a great loss to every company, and if they could be lessened companies could pay more to their agents, and probably more to their policy-holders. I find in one Canadian company that they were only able to increase their 'irumrance in force' to the extent: of about 35 per cent. of the new insurance effected in 1897. In comparison we were enabled to increase ours by about 55 per cent. Even the new giant in the held shows that it has not been exempt from this' source of depletion. It has always appeared to me that agents might, by using iadg. ment and discretion, lessen this loss and weakness, and I believe it; is in their interests to make an Effort, "I cannot conclude Without) making an allusion to the gentleman who now has the honor to be at the head of this Institution, for it is an honor. The mantle of our late lamented President has fallen upon worthy shoulders and I can assure you that the bestinterests of the Company are his concern, and that he does not allow anything to slip from his care and atbention if he can help it. Heis one of the pioneers of the Company, and it owes a great deal to his judgment and attention, and I sincerely hope the Company will for a long time have the benefit of his services." "I desire to add a few words as to the position of the investment part of our business. Although we are an insurance company, and every effort should be made to pueh and enlarge that portion cf the business, yet the stability of that: depends upon the security of the inveetments--without the latter the former would be in peril, and the agents would find a diffiealty in securing insurances if the assets of the Company were doubtful. In 1897 the invented funds of the Company amounted to $3,484,781. The care of such a large sum entails considerable labor and anxiety upon those who have charge of the same, for upon the earning power of this sum depend largely the profits we have to divide. It is almost unneceisary for me to remark that the rates to be obtained are steadily falling, and in addition the diffis1ltits of fh1ding investments are increasing Complaints are sometimes made by policyholders that their profVs are not increasing fast enough, but it they thought: for a moment they must conclude that, as profits are less in every kind of business and in loan companies, the profits from the investments of assurance companies must be similarly affected. Mr. Alfred Hoskin, 2c, second Vice-President) of the Company. said '13 seconding the adoption of the Report : "I must be permitted to add i few words to what has been said in regard to our late President. In his {each the Company not only sustained l great lose, but the Boar) was de. prived of afriend. Mr. Bowman was an all-round man; he was not only careful and solid, but had a clear mind and foresight;, His judgment in the investment of our funds was sound, and he was always alive to the advance. menb of the insurance part of the business. The agents and all connected with the business, cannot) but admit that. he was ever ready to listen, and, liner consideration, to adopts suggestions made in the interests of the Company, He earned his test, and I feel warranted in saying that we all iniss him. tion of our policy holders, Board, Agents and staff, in all legitimate and nonest ways, to anticipate for 1898 as great, or even greater prosperity than we had in 1897'! ay, June 2, A by-law to grant a bonus of $20,000 to the Lake Erie and Detroit: River Railway was defeated. Anthony Orr recetrly took hie children to the Berlin jlilyard and showed them the place where Allison was buried. William J, Hammond, was convicted of the murder of Kate Tough, and sentenced to be hanged on September 15:h. Ham’s private bank at, b':acebridge has closed its doors. The Senate of Toronto U ivorsity has raiscd the examination t' as from $10 to $14. Montreal Star: Distinguished edi- tors the world over have found in the death oi Mr. Gladstone a. theme worthy of their greatest 'xft'orts, From thou. sands of pulpits sermons have been preached, having for their subject) the Me of a statesman and a Christian gentleman, whose sincerity and pure- ness of motive nobody ever questioned. Thousands of journalists distributed all over the world have tried to do justice to the memory of England’s great dead, And tho ablest of them all have con- fessed their inability to do justice to their suhj ct. It has remained for Sir Wilfrid Laurier, Prime Minister of Canada, to deliver what we firmly be. lieve to be the most eh quent and moat appreciative parwgyrie on Mr. Glad- stone tbat has yet been uttered The5 effort and the subject Mere alike wor- thy of the orator, and the orator we equal to the occasion. Lyon Playfair, the distinguished chemist,polibician and parliamentarians died at London, England, on Monday in his 80th year, _ The Directors met subéequently and re-elected Mr. Robt. Melvin, President; Mr. C. M. Taylor, First) N ice-President, and Mr. Alfred Hoskin. Q C., Second Vice-President of the Company for the ensumg year. John Clark and wife, chargrd at Brampton with the fatal neslct of Robert Ramsay, were discharg‘d and the case dismissed. On Motion cf Mr. J, L. Troy, Dr, Webb and Mr. George Wegenast were appointed scrutineers for the election of four Directors. The balloting which followed resulted in the re-election of Measrs.B.M Britton, Q C.,M.P , Francis O, Bruce, Wholesale Seed Merchant), Hamilton, J, Kerr Ihlin, B.A., Toronto, and Geo. A. Somerville, Manager of The Huron & Erie Loan and Savmgs Company, London, On Motion Messrs. J. M. Scully and Goo. Davidson were re appointed Algiiboisfor the present year. _ Regret was very generally expressed at the absence of the Manager ttom this meeting owing to severe illness, from the effeeeg of which he has not yet recovered, and a resolution con- veying the sympathy of the meeting was passed, and expressing the hope that his health may soon be restored Owing to thefailure of arrangments at Ottawa Messrs. McKenzie and Mann have notified the British Columbian Gov- ernment that they cannot carry oat their railway contract; with the Province. Mr, M. C. Cameron, M.P. of West Huron, has been appointed Lieutenant. Governor of the Northwest Territories. Mr, Cameron was first elected in 1867. He was a. powerful debater and was particularly given to the denunciation of nepotism, of which he, however, was himself guilty in his latter days and for which he was roundly scored by his former tso-worker, MnGiilieuddy, of the Goderich Signal. No Company can stand forever, humanly speaking, unless the premiums charged are tmfficient to cover the “bk of dying and the expenses of conduct- ing the business. Public opinion at the present time is much more enlightened on this subject than formerly, in proofoi which he instanced the discussions which have recently taken place in Parliament on the subject of Life Insurance in general and Assessment Insurance in particular. The halt. heart-edness with which Legislators approached the subject in the past has been supplanted by a sincere desire to understand the needs of the insuring public, and to safeguard their interests by legislation of a practical character, which while fostering all legimate life insurance, will make it impossiple for counterfeit insurance to obtain a. last- ing foothold in Canada. treated the advantages which policy holders enjoyed in a well managed Legal Reserve Life Company like The Ontario Mutual Life as compared with certdieare holders in any kind of Assessment Companies, which, as well said by the Superintendent of Insurance for the Dominion, "were an experiment" and that "what has just taken place in the case of the Massusbuisetts Benefit Assessment) Association exemplified in a striking manner what may be expected in the case of all similar Associations.” At best insurance in such Societies can be considered only as temporary. He. believed that: the time was rapidly approaching when many of the Assessment Companies must necessarily go to the wall. Cer- tiiicate holders must, if such Associa- tions do not wholly collapse, "either drop oat or pay very largely increased premiums, and that too at: a time when by reason of impaired health, or for other causes it may be impossible to obtain insurance elsewhere.” EDITORIA L NOTES. Walter Franklin was found guilty of manslaughter at Bracebridge, and sentenced to three years in the reform- Mary. Sham speeches were made by Mr. Craig, Mr, 1Cmt and Mr. Kaulbacb. Here the debate ended, and the Plebis.. cite Bill was given a third reading, and passed the House. Philip Campau found a pot contain- ing $1,100 on his farm near Tecumseh. pining upon the people ' to give an opinion. If there was a majority large 'or small, then it would be the duty of the Government to consider whether or not the time had arrived for temper- ance legislation to be placed on the statute book. If at than time the Government did not perform its duty inposed upon it by the will of the people, as then expressed, it would be in tho option of the Opposition to cxll the Government to severe account for failing in its duty. Passed by the Commons After Sir Wilfred Had Made a, Little Speech. Ottawa, May 26 -The House then proceeded to third reading of the Pleb- iscite Bill, which carried after some discussxon. Once more Mr. Foster asked that the Government make a. declaration as to the time when the vote would be taken. Ample notice should be given. _ Sir Chas Tapper asked the Govern- ment to state how fir they proposed to over-ride the powers of the provinces to pass prohibition,snd how far theopinion of the whole of Csnada would over- ride the opinion of particular provinces in the event of an affirmative vote. He desired to know under what conditions the Government proposed to give t (fact to the opinion of the people,as exprrss- ed by the plebiscite, and whether a bare majority or a preponderating ma- jority would be “(I aired before action Wes taken. The Premier replied that Sir Charles' questions were most unreasonable. He did not know that Sir Charles belonged' to any temperance organizstion, bat evidently he was more Catholic than the Pope, more prohibitionist than the prohibitionists themselves. Not a single temperance organization, at whose iu- stigation the plebiscite had been brought forward, had asked the ques- tions, and all had agreed that the consequences of this vote should be " until after the vote took place. Sir Charles asked what would be done if the vote was small, or it there was a. very large majority. In reply he might ask the Opposition leader what would be done if there was no majority at all. The matter would drop, and drop for ever. That was one of the possibilities vhich must always be considered in Our M illinery Department, under the management of Miss Cavan, has been more than a success, orders are coming in rapidly, in fact, we have so much work on hand that we have not time to prepare for our second opening. New Hats, Flowers, Ribbons he. arriving daily. Our store closes at 6 o’clock every evening, Tuesdays _and Saturdays ex- cepted. Take Note, lricker t, Diebel. Mr. Fisher assured him that he need not be uneasy upon that point. There would be no surprise. Six weeks or two months' notice will be given. He inti- mated that voting would take place in the early autumn after the harvesting operations of the farmers had been com- pleted. We are sole agents in Waterloo and Berlin for the Celebrated Bouillon Kid Gloves. Sold by McIntyre k 00., of Montreal. These Gloves are pronounced, by experts, to be nhe best glove in the market to-day. We have them in all the latest shades, c'asp or lacing, Every pair guaranteed at $125 per pair. . Special in Russian Blouses and Fancy Shirt Waists. There are always stocks fine enough in our Blouse and Shirt Waist Department, to make it easy work to meet the tastes and requirements of all classes of shoppers. We tell this week of specials out of our very large range of Blouses and Waists. Lot No l-Fancy French Organdy in Pale Blue, Pink, Holiotrope and Green, all detachable collars and cuffs, very Hobby, special at $1.00. . Lot No 5. --Fs ncy Russian Blouses in Orgundy and Fancy Cheeks, white collars and cuffs, the latest, special at $1.25. _ ' Also a large line of Ladies' Collars and Cuffs in all L110 latest styles and sizes, Fancy Belts and Shirt \Vaists Sets to suit the most fastidious. New Hoisery in Cashmere, Lisle Thread Cotton, Balbriggan and Silk. We maka specialty of a fast Black (Hermsdorf Dye) cotton hose at 15e per pair or 2 pairs for Me. Lot No. 1.-Faney Shirt Waists in Blue and White, Pink and White and Fancy Mixed Prints, good quality, guaranteed to mush, all sizes, specxal at 500. Lot No 2 -Blaek and White animus and White Satin stripes, white collars and cuffs, special at 75c. We are also headquarters f r Ladies' Fancy Parasols furnish you with a Parasol from 50e up to $10.00. Our Pa, 750. tl E " q 'tirii8tt I I A: T 4tih mem x, gs: 24mm qWT% wisp - THE PLEBISOITE BILL. Lot No 3.---Plsin COME WITH THE CROWD. NEW KID GLOVES Black Satin, first class quality, white collars and cuffs, special at NEW HOSIERY MILLINERY a ' ' . n “1' . - . . . PERSONAL.--), M. Milliard Jr. moved into Mr. Ben. Bowman's home on cN1ondur-Mrir. A. Angel and child- ren of Dora, are spending a week with Mr, and Mrs. Shyllr---Mr. and Mrs. John Mackie called on the uncle of the former, Mr. Wm. Mackie, here last) week-hir, M. Brahman has com. pileted the cement: walk ‘around his km to. BRIEFS ---A meeting was held in the Methodist church on Monday evening to consider the advisability of holding a Dominion Day fest,iirtxl.---Bacrament will be dispensed in the Presbyterian church on Sabbath next. WINTERBOURNE. _ THE 24ru,--Ttse Queen’s birthday passed off very quietly here. The only stir was occasioned by the annual gath- ering of the friends of Chalmer’s church. After tea in the lecture room all re. paired to the church, which was well filled. The speakers of the evening were: Revs. McNair, of Waterloo, Watson, of Elmira, and Cathbertisori,of Toronto, All congratulated the pastor, Rev. A, M. Hamilton, on the attain- merit of his majority, he having round- ed off the 21st year of his pastorate here. Excellent music was rendered by a. quartette from Elmira led by Mr. Peel. M's; Janet Hamilton of Hess. peler, recited in a very acceptable man- ner and Mr, M. Donald gave a resd, mg. BruErs-0rosiii1ll and Linwood ioot hall teams played together here on the 24th. The contest resulted in a tie.--. Another lady’s wheel has arrived in town. Miss Kane Spahr is the possess~ or of it -Dr. McEachern has bad the hall above his drugstore transformed Into a dwelling. He is building an ad. dition also at the rear and when completed the whole will make a very convenient and comfortable residence. We understand they intend moving in this week. CHILDREN‘S DAY --.0hildren's Day was observed in the Methodist church Sunday morning. The beautiful floral decorations were much admired, there being a profusion of bloom almost; everywhere. The Pastor, Rev. R. Keefer, gave a very interesting address to the children from the text found in the 2nd Chap. 15m verse of the Book of Solomon. Appropriate music was rendered by the choir. PERsoNAL,--Rev. R. Keefor left Tuesday to attend the Methodist Con. ference in Guelph. Mr. Bricker of Berlin will suiply for Mr. Keefer, on Sunday next at the different appoint. ments-Mrs. R. Keefer and her sister Mrs. Fraser of Whitby have gone to Mount Forest to spend a week with friends there.---) M Good of Marion, Kansas; M r. and M ins Ernst, of Water.. 'oo, and Mr. Shields of Heidelberg, were guests at Mr, John Scbnun’s Sundsr--Mrss. A. Boomer and Edith visited st Dr. Wright's Glenallen, Tues- dar-Mr, and Mrs. Peas. Rennie and Mrs. Geo. Wetclstder and family of 1Lysvlrsville, were guests at. "Maple Hurst," Sundny -hir. and Mrs. Robb. Rowe are guests at a golden wedding in Hespeler this week. _ Parasols and Silk Umbrellas. We can L Our Parasols at $1.50 are a World Beater. LINWOOD.