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Waterloo County Chronicle (186303), 1 Jun 1899, p. 8

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P s . o. > 443 f ies, a rl' 4: meene: npression exists that a Mutual Life Company is conâ€" â€"â€"â€"<Ontari ' tm w in h"‘;“"’ same as the ordinary Wnd:m.g â€" ‘Ontario Mutual LifeAssurance CO, |i=wifF weaened has 2o Ared, suipulared M ds b ha@whuwfl- at any time, up to Abe x aisi , ecuinadnlp-hnr:n.imd'-tk’dq. wHIcH muu’ _ ~ THE BEST IN THE COMPANY‘S HisTORY. CBEEDED, AND WHICH 18 SUFFICIENT TO PROVIDE FOR THE PAYMENT OF EVERY -‘ tace is the pomplntin io mopornige io: thel meoictiginet thdeke is to i ion to. contributi + ; â€" STILL UPWARD AND ONWARD the policy propartion to "tpelr contributions therete» ~ deemed advisable to distribute,go to the only, The Ontario k.k m« >=* " 3 luudhmpm:finietimr.hm critical period incident * The Twentyâ€"ninth Annual Meeting of this s:pnm Company was held|to new Companies, and may be judged â€"results achieved. These reâ€" in the Town édl. Waterloo, Ont., o‘n Thursday May zsla‘n{.t!gg, at 1 “‘“'c'o‘!-l'b‘ found é“m‘” more than favorably with the oldest and o";lock p m. h:be ntendan:d. was both large and representative, and b.::: eoncm “; ave showe you that duzing ths pett we heve t eatest mony prevai » m ie Rimntti it Lobere Stvin, Guelph, occupied the chair and on | sds mntell on ot, ueveroc n ied 1opoe areoin, iatP . Cebal t with t er, /egenast, wi â€" » & A 4 NE Ns rectors wct:‘mled:â€")lmu. Hod:in,el‘;:i:e, gitton, Fisken, Cl:fmn. sl:‘““d:l Â¥"Â¥"" are l'“lgl"‘?" than half they "‘;“‘ 1897, ““:n‘:r to Kidd, Sommerville and Garrow. _ _ _ 1006 5000 C 0 _ _ ‘|the 1st, of May our increase in business is greater than in 1898, and our At our annual meeting in 1894 1 reminded you that in Great Britain and the United States Mutual Life Companies were the strong est, oldest, and most stable Without desiring to say one word against our Proprietary Companies, all of which (Y believe to be honestly, ably, and well conducted, I would ask in what respect the stock they hold adds in any way to their stability or financial standing? mudounotdonwflthnrcvflemm d state that the total Paidâ€"up Capital of all the Life Stock Com%mies in Canada was in 1898 only $1,455.504, while tneir liabikties to their policyâ€"holders amount to $39, 214.977, making a total of $ q,67Â¥:|. If we deduct this from thair gross assets as at Dec. 3rst, 1895,843,508,288 it will loave a surplus over For some time after this Company commenced business, many thought that a Mutual Life Assurance Company was at best but an experiment, and in our case doomed to failnre ; gm as the public came to understand more fully the scientific principles underlying the purely Mutual System, it became evident that time which reveals the Jchecls of less perfect systems, left untouched the giant strength and robust vigor of Mutuals. Their success has been so pronounced that some of the oldest Stock Comâ€" panies arc now secking to give their policy holders a voice, however small, in the election of Directorsâ€"a right which the members of this Co{npmy have enjoyed since its establishment in 1869. â€" He was fvleased to find that the 15 Canadian Companies were doing mork than holding their own in competition with_ British and American offices doing business in Canada, having added during 1898 a gain of $16,665,702 to the total amount of assurance in force exclusive of Indusâ€" trial Insurance, and of this sum The Ontario contributed $2 216,798, over 14 per cent. cf the whole. It has been said that some Companies are writing too much new business, thus weakening their Reserves, and lesâ€" sening their surplus carning powers: there is nothing in this contention, if a Company can show as this company can show, that while‘ iargely adding to the amount of policies in lgrce, it mantains a ratio of Reserve as high, if not higher, than any other Company, and much higher than the Government Standard; and that it has earned as much, if not more surplus for, and is now paying as large, if not larger profits to, its policy holders than many of its chief computitors. The increased patronage accorded this Company must be a source of gratification to its members, showing as it does an enlightened public confidence in the growing sttengtg and stability of the Company, That this confidence rests on a substantial basis is prosed by the I(;ct, among others, that at the close of 1898 the excess in Reserve over the requirements of the Government Standard was no less a sym than $168,804. We are therefore in a posiâ€" tion to hope not only that our field force, under the inspiration of the Superintendent of Agencies, will at least duplicate the new business of 18?§. if not very largely add thereto during the present year. o In moving the adoption of th» Report the Prestdent said that the busiâ€" ness for 1898 was in all respects ©"tic most gratifying character, both in the volume of new business tyg, <o(nd and the mortality experienced The ameunt of sur})lus earned" .‘ the amount paid +5 guilcy holders were in excess of any former yeur, winlc w.il. a much larger amount of insurance in force, the lapse ratc was very little more than in 1897. Purâ€" chased Policies showrd a decrease of 55 2,915 as compared with 1897, when that item reached the sum of $470,4838, indicating the growing conâ€" fidence of the assured and the enhanced value placed upon the policies they hold in the Company. . â€" > Last year we called your attention to the decline in the rate of interest on first class security, such as we accept. We regret that during 1898 the decline was quite as great, and up to the present there does not seem much hope of improvement. Coupled with this, is the greater difficulty all Companies experience in keeping their assets actively employed, yet during tg‘enyear our funds were well invested, although at a somewKat lower rate of interest. The interest on investments was well met, and the overdue interest much less than usual. The Financial Statements, prepared and certified to ba' your Auditors, are herewith submitted for your consideration; also certificate of Execuâ€" tive Committee on Mortgages and other Securities of the Company. _ During the year we lostby death a much valued and respected member of the Board, Mr James Fair, who, although only a short time a Director, had endeared himself to all by his kind, gentle, unassuming manner, his honesty of purpose and sound judgment. Hon, F. W. Borden was apâ€" pointed in his stead. _ _ _ _Owing to Mr Hendry‘s retirement from the Managership, and his apâ€" pointment as Consulting Actuary, he resigned his position as a member Ef the Board of Directors, and the Hon. J. T. Garrow was appointed in is place. You will be called upon t3 elect four Directors in the place of Alfred fmesee Q. C., E. P. Clement, Sir Wilfrid Laurier, and tEe Hon. J T. se terms of office have expired, but all of whom are eligible The number of policies issued during the year was 2354, amounting to $3.750,354, the number of applications declined 101, amounting to $113,â€" 200; the number of policies in force 16,982, amounting to $23,703.979.38; the Reserve, Actuaries‘ 4 per cent., on the amount of policies in force is $3,838,814.94; the net Premium Income $735,174.85; Interest on Investâ€" ment; $188,766.28; the Total Income $g23.941.13; To:al Assets $4,136,â€" 129.48. oc â€" The amount paid to Policy holders for death claims was $152,893.00; for Endowmerits $71,663.00; Purchased Policies, $58,479.74: Surplus $75,030.70 ; Annuities, $1,909,42 ; Total, $359,975.86 ; Surplus earned $114,810.00; Surplus over all liabilities on Company‘s Stantrard Actuaries‘ 4 per cent. $271,196.88; Surplus on Government Standard $440,000.00. â€" â€" _â€"On motion of Mr Alfred Hoskin, Q.C., seconded by Mr Geo A Somerâ€" ville, Mr. W, H. Riddell, Becretary of the Company, acted as Secretary of the meeting. The minutes of the last Annual Meeting were formally aken as read and adopted. * The President then called upon the Secretary to read the {pirEcror‘s Rreprort. _Your Directors have pleasure in submitting for your consideration the report for the year ending Dec. 31st, 1898. P s 2o In the early part of the {lear. in consetiuence of ill health and advancâ€" ing age, Mr Hendry, who had so ably filled the position of Manager of the Company since its ‘organization, placed his resignation in the hands of the Directors, which we accepted, and appointed him Consulting Acâ€" tuary, a position muphrless onerous than that of Manager. Mr George Wegenast was appointed Manager, and has discharged his duties to the satisfaction of the Board. Mr Wegenast has been i the service of the Company for cighteen years as Assistant Actuary and Actuary, and is therefore thoroughly conversant with the business and policy of the Company. se 9A _ We are glad to be able to inform you that the business of the year has been eminently satisfactory, and that notwithstanding the greatly lessened earning power of money, we have been enabled to continue a very litfl:l distribution of surplus to our Policyâ€"holders. _ â€" â€" Our Superintendent of Agencies. Mr Earl, since his appointment, has inspected our Agencies in Ontario, Quebec, Manitoba, British Columbia, the Maritime Provinces, and the Territories. A number of new Agents has been agfiointed to our Staff, which is now thorougly organized and effective. is we believe will result in a still larger and better class of business. The amount of new insurance taken during the year was largely in excess of former years, and of a very satisfactory character. The death rate was much below the expectation,and the losses by lapses and cash surrenders were considerably less in proportion to assurance taken and in force, than in any preceding year. â€" _ During the year an Agency was opened in St. John‘s, Newfoundland, and we are pleased to say that so far we have received a fair amount of busittess from that Colony, and hope to increase it in the future. . On behalfof the Board. R. Melvin, President. M 4 ~ THE PRESIDENT S ADDRESS. Ln‘anâ€"l h-t.:::.n :n 17th, the wi :&'g{:n;fl‘mr?.r‘."d::’t u* ""h un Sreob Ledardhof s m wmitel ptus in es may mb the wife of Johs ui s s s nihe 0) ©100 Simave ut 3 Mababiar at ""0 C 999 pury At Porin, May #th, the wife of C.| Rurinâ€"At_New Hnmbu @, May 2rd, the On motion of Mr. F. C. Bruce, D. Webb, Medical director, ard Mr. George Moore, were appointed Scrutineers, when on motion of Mr. E. M. Sipprell, the Chairman was directed to cast one ballot for the election of four Directors. The Scrutineers, upon receiving same, declared the reâ€"election of the Right Hon. Sir Wilfrid Laurier, P. C., 3. C. M. G , Ottawa,.Mr. Alfred Hoskin, Q C., Toronto, Mr. E. P. Clement, Berlin, and the Hon. J, T. Garrow, Goderich. The Directors met subsequently and reâ€"clected Mr, Robert Melvin, President; Mr. C. M. Taylor, First Viceâ€"President, and Mr Alfred Hosâ€" kin, Q, C., Second Vicc.»¥’resident of the Company for the ensuing year. lnvni::.mlnml. the wife of mâ€"‘mmln #ith. the wife of "</ ;.m“""”...!'.%:.:.“' .5#.':1_#: M"'m.}':.’.-. i. e * ) Broxi®â€" nurfriardko AJ Orowhib, Mey, IB, the| Brox1eâ€"1n Kast Zorra, May 23r4, the wife of Mr. Geo. Wegenest, Manager, returned thanks on behaif of himself and the Head Office and Agency Staff, assuring the meeting that it was a most plesent thing to him and those who served the Company so loyally and well under him, to hear the welcome salutation of "Well done good and faithful servant." He wished to warmly thank the Board amf(he Agents for the generous support accorded {lim in the discharge of the onerous duties of Managership, but especially the President, to whom he was greatly indebted for much valuible assis:ance and advice. __On motion Messrs | j- fi‘éc?.'ff;lnfi éeorge Davidson, were reâ€"appointâ€" ed auditors for the present year. _ _ â€" oo Mr. E. P. Clement, Acting Sheriff and County Crown Altorney, Berlin, in proposing vates of thanks to the Head Office Staff and Agents, paid a glowing tribute to the Manager, Secretary, Medical~Director, officers, and field workers, for the very efficient manner in which the business of the Company, in their respective departments, had been looked after, and for the marked success that attended their labors during the past year. He was convinced that there never was a period in the history of the Company,when the prospects were as favorable as at the present time for a liberal measure of increase in new insurances, as well as a healthy and steady advance in every branch of its large and growing business. _ Mr. B. M. Britton, Q. C., M. P.,Kingston, said that the business of life insurance in volume and importance was enormous, the amount in force in the world toâ€"day exceeding $15,000,000 000 and of this immense sum Canadians carried on their lives nearly $370,000,000, or about $75 for every man,woman and‘child in theDominion if equally distributed among them. In this truly beneficent work The Ontario was entitled to a fair share of credit, having in force in round numbers the sum of $24,â€" ©00,000, and having written in 1898, within a few thousand, the largest amount of new business secured in Canada by any other company in that year. _It will require but a littlemore energy on the part of our excellent staff of Agents to place the company where it ought to be, at the head of all life Campanies in this country. The ‘proud position The Ontario occupies toâ€"day has been attained in spite of the ignorance that still exists. among men‘otherwise well informed, as to Mutual Life Companies. Many even in Parliament think a Mutualâ€"L:‘s Company may levy **Assessments" or make "Calls" on their members. No one should,howâ€" ever, confound a Mutual Company like ours with anK kind of Assessment or Szsziciy insurance, for they are as different in their methods as any two radically dissimilar systems can possibly be. The Ontario is a level premium Life Company; it takes no premfumâ€"note as some Mutual Fire Companies do, and it holds at all times the full Government Reserve,the same as Stock Companics. He was sure the Agents would continue to enlighten the public on this point in the interests of this Company, and in vindication of the principles of mutuality, upon which it was and is founded. LIFB COMPAKIES ARE OBLIGED BY LAW To HOLD RESEAYVES ON THE SAMZ STANDARD A$ §TOCK COIMI..'::. THESE RESERYES AREâ€"SUPPICIENT TO MEET PVERY OBLIGATION IN FULL AS THWEY MATUVRE, WiTuoUr Tus AID OF CaAPITALSTocL : It that notwithstanding the f&‘:;fl“&‘:w;n d-l:l,fimm:dmlzw&-.& ies, a very general impression exists that a Mutual Life Company is conâ€" That the Company‘s investments are increasing rapidly will appear from the following statement covering ten years, from 1887 to 1897. Mortgage loans 1887 $668,437. 1897 $1,"5:,083. Policy loans * 67,306. & 507,605. Debentures purchased 139,534. * 923.419. Our Assets, 1887, were $1,084,852.26, and in 1898 $4,137,129â€"48, and our Interest Incoms which in 1887 was $51,262.07 reached in 1898 $188,â€" 766.28. If the same ratio of increase in our assets is maintained during the next ten years, they will then amount to over $10,000,000. ‘The Inâ€" surance Department has a bill now before Parliament to give Life Companies largely increased investing powers, whi‘ch will enable this (R,ompany to invest its funds in several unimpeachable remunerative securities from which we have been excluded in the past. In conclusion, I hope in the rush there appears to be at the present time in life insurances circles, that this Company "will adhere steadily to those traditions of insurance, which experience has shown to be es sential to the true prosperity of a Company,viz. The Ontario has steadily gained in public favor since it bega;l bnsiness‘ in 1870, owing no doubt to the mutual principles upon which it was established, to its fair, economical and straightâ€"forward methods, and to the integrity and sound judgment of its Executive Officers. It holds toâ€" day a leading position, and will before many years stand at the head of Canadian Life Companies. He felt that life assurance was one of the great questions of the day, as all good men recognize the duty of making sure provision for the loved ones dependent upon them, and there is no more effective way of doing this than by life insurance. In him the Onâ€" tario always had, and will continue to have a warm advocate without any compensation other than he received as a policy holder, and the pleasure derived from seeing a good and excellent thing flourish. . (1) Moderateexpendituge; (2) High class investments producing a higher rate of interest than that assumed in the valuations, and (3) careâ€" ful selection of lives." The Report was carried unanimously. voTEs OF THANKS. â€" In response to a hearty vote of thanks to the Directors tendered by the meeting pn behalf of the Policyâ€"holders, for their great case of and vigilant aylgtion to the Company‘s affairs during the past year, the Hon. J. T. Garrow said it afforded him much ‘pleasu:e to state that in his op inion The Ontario was one of the best, if not the very best, Life Conrâ€" pany in Canada toâ€"day. Before and since he became a policy holder, he heard many pleasant things said about the Company, which, ever. among its rivals in business, enjoys a reputation for honorable treatâ€" ment of its members second certainly to none, and equal to any other in any part ot the worldâ€"the best capital that any Company can possess. In conclusion, I have shown you that during the past we have added largely to our Assurance, largely to our Income, m;'rly to our Assets, largel tooutSntl;:lus. that our Lapses are _ few, that our Cash Burrender VJus'm little more than half they wer: in 1897, (Iu:.:r to the 1st, of May our increase in business is greater than in 1898, our death rate much below the average. May we not hope, therefore, that the progress of 1898 will be even greater in 1899. VICEâ€"PRESIDENT‘S$ ADDRESS. Mr. Alfred Hoskin, Q. C.,in seconding the adoption of the Report,held that the remunerative investment of its funds was one of the essentials to the permanent welfare of a Life Co:_:(rany. This will be conceded when it is remembered that there is toâ€"day on deposit in our Banks the enormous sum of $250,000,000,o0f which about $88,000,000 bear no interest. The difficulty of finding desirable investments at fair rates of interest, is becoming greater every year. A decade ago the average rate was 7, but now investors are well satished at a much less figure. The Ontario has been more fortunate than its competitors, the rate of interest on its investâ€" ments having in 1898 averaged 5.16 while that of most of the other Comâ€" panies ranged from 4.43 to 4.59 This Company‘s percentage of foreâ€" closures to its total investments was only 3 per cent, while its competiâ€" tors ranged all the way up to 21 per cent. â€" o Howes, of a Reserves are entirely contributed by its ‘policy bolders? .uToar lovris 8. Kuhe ford, of a son. 1ith, the wite 6f A. P. she w fo PART OF THIS PAGE IS MISSINC 5o iea h Mathore DEATHS. Jvnn-,u. Now York, May 18:h, Nentt Theoâ€" dore Jung, formeily of Burlin, in his 45th D ul'.uvâ€" t_Preat May Fith. Fred Line, son uf r-A Dnnl-:'-.-?l years, 10 months and 13 pays. Sravrrgmâ€"At DBerlin, May 16th, Elizabeth fl-n. in hor 52ad ym.’ RieoKk â€"At Wateri®o, May 17th, Chas, Ricok, ‘,n‘.:.nu:lnl (G -.tl-..' â€"At Bt. A May J AAplal, ascdtt FEarbind 1 honths **** * Ortoâ€"In South Kas hope, May find, Mr», EcHAEFPERâ€"At Der‘in, May lith, th» wife of Philip s« haeter, of a daughtor. BrckINGâ€"At Berlin, Mayâ€" 18th, the wife (f August Decking, of a daughter. Mitciertâ€"In Woâ€"lwich. May 16th, the wife of VWat. Mitchet!, of a dauchtcr ScHaErERâ€"In Woolwich, May 16 h, the wife of John H. Schicfe~, of » daughto:. MARRIAGES. Ton®z . Râ€"ruâ€"At Berlin, May 17th, b‘y Rev. J. H. Mowinan, Jacob Turel, i0 fsabelia Kutb, both of Blsomingdale, Orykâ€"lrTZ â€"At Now Hambure, May 10th, by Rey. 14. Muclier, Albort Genz, to Ciarm Witz. daughior of .Damel Ii‘z, all of New Hamburg. n;(:xn{n'infislx&:lâ€" At Ilmlru,Mavd !l::. red e @ , & m to h k Drcilage . of Eimira * Keaotirâ€"BHoxpâ€"At Galt, May 18 h. Jo‘: Keachie, to Mra, Richard Boud, bath of Ga Decmtertâ€"Sonwtorâ€"At Preston, Ma Raw ird Dechort, to Miss Echmldt. Ssur‘e May®k â€"Rerxnarotâ€"At Berlin, May J6th Jo eph Mayer, to Louisa Ieinhardt, Uoth of Reliable dealer in Shoes, Clothing, Hats, Caps and Gents‘ Furnishings Seoing is Bolieving. In Men‘s and Boys‘ Readyâ€"toâ€"wear Suits, Hats, IN Caps, Umbrellas, Rubber Coats, Shirts, Collars, Cufls and all kinds of Men‘s Furnishings. We can fit you as well as any tailor, if not better. Why then pay from TH I RTY D AYS $4 to $3 more to a Tailor when you can get better ln? o Clothing right here and save enough money out of I_o_"o L every Suit so as to have your footwear for nothing. Inorder to raisc $4000 in 20 days we have marked down all our Clothing, Hats, Shirts and Underwear in RED INK to the following prices : Boys‘ 3â€"picce, reg. $5, for Boys‘ 3â€"piece, reg. 84 fur ZBEoys‘ 2â€"piece Suits, reg. %5 oo KING ST., suits, for Â¥ ~ _ Boys‘ 2â€"piece, reg. $2 50, for GREAT REDUCTION SALE Men‘s Suits in light and dark Tweeds, reg. $10 00, marked down to = = Men‘s $8 Suits for _‘ â€" = Men‘s $7 Suits for = Men‘s $5 Suits for = â€" Boys‘ 3â€"piece Suits, regular $7, marked down to =â€" N AR Men‘s Suits in fine Tweeds and worsted, reg: $14 00, marked down to â€" =â€" d Men‘s Suits in black and blue Serge, reg. $12 0o, marked down to â€" . Commencing June 1st. dhe, seek ot $yRD, Ihmionilis "and. $ Bole Ageuts for Slater $3 00, $4 00 and $5 00 Shoes. Store Next the Post Ofi :e Store closes 6 30 p. m. except Tuesday and Saturday. must be sold at once. The prices we have placed on the Goods will clear them in short order. Are you going to be in it ? ' We have been ordered to leave this building immediately, so that all the GROFF & HYMMEN BANKRUPT STOCK â€" _ WILLIAMSON BROS. A. WESELOH & CO., The Bargains we advertise are here to be seen. If you want to buy gosd Clothing and b y them cheap take advantage cf this Sale. For 30 Days, $11 00 3 50 7 50 5 50 Public notice is heroby given that a mosting | matket. or the Board of, L. ioen Comaineioesr ror the | ma k ol Distriot of North Wateriao will be held at the If not Zimmermana H Waterioo, on the Tenth | offered f day of June next, at eleven d'nmu. Me | guws, a to consider an a -n‘o‘? es A. | ~ TRRA Kratt, of in, fors _ transfâ€"r of the ‘I'hw roha» License from llur‘ Spabr, townslnp of â€" ck:,.. lealey, County of Waterioo, _ Â¥or fu IMPROYED and WILD LAND FOR SALE IN ® Huron County, Mich,. Seren hoad cattleâ€"six common :rhr- and one J b’-mrâ€"wm m-a with me Tiar Eh.. Th maifes tor »ihin shoe dals ca wihin n rrom” datethe cattle will be sold on the Market !qvua Wateri0o, 1‘m at Waterlo0, May 31st, 1890 Avovet FisomsR, It. _ Pound Keopor. Liquor License Act. Huron County, Mich. l NEW BAKERY., 1. now have an_excetont Tt of, w94 Jond | optect s etpo in Rpsberasicaotrnt; Rieg To Whom It May Concern, #1â€"2t. Impounded. ORDERS. $4,000 Men‘s Rubber Coats with cape regular 3 50 for = 2 75 Umbrellas, regular 2 oo for _ 1 50 ( 1 25 for _ 100 75 for 50 Men‘s bicyclesweaters, 2 25 for 1 75 1 oofor 75 ~__ 75 for 50 Boys‘ Sweaters for = 40 misos; KAva d malle, New Germaâ€" tm. lhrrl-unj‘g‘uug, or n‘ If not previou ly dispore! of th ro will be offered --fnh.’lho:.motlm'und p‘ace : wo o-.v-hu horse and 0 hor chittel property, TRRMs OF !\llâ€"‘rnur cent of the purchase money in Cash at the time of saie, at 2 o‘clock in the afterncon, the landa of |= late Maithiâ€"s Siblefâ€"ki, being componed part of Lot Number Scventsâ€" even of the Qcrman (mwsny Timct 1. the Townsh:p and Oâ€"upty of torlo0, cont«in nz #‘X:co» ag 60 more or l =a. â€" â€" 1h: properiy is sitn ted wi hin two miles of New Ounmmy‘:ou offlce and is ) ear to matket. echo0iand church. On the premi@s are a emall og house and a log stabls, _ _ Boys‘ Fancy suits, reg. 5 0o marked down to # _ _ Boys‘ Fancy Suits, reg. 400 for & s Regular 3 oo for Boys‘ Sailor Wash Suits, diffâ€" crent styles at 50¢, 75¢, 1 oo up to â€" â€" Mcn‘s Rubber Coats, regular 8 oo, for â€" â€" ‘ Py vi tue of the power containcd in a cerâ€" trin m »rgage w hich will be produced at time of saie. ‘There will beoffâ€"red for sale Fublic Auction on tho m«rigaged prem ses on Monday, June 5th, 1899, Mortgage Sale Small Farm in Water‘oo Township. */ * ce within 30 dnys, further uruglu- and _ condirions »pply 1(0 Julins feblefski on the 1 lad corch BERLIN, ONT â€" . â€"OFâ€" J. Buot. Daczes Vondors l;'fing. £4 3 25 2 50 6 50â€"« 1 25

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