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f will be made krown on appliration. + â€"_ AVVEBIIGLRD lore Justice Lennox, closed on w:â€" «. day. _ There are five cases entered, f wust be left at h f /.2":..".‘.".".?. than Satur4ay |two of these being jury cases. "~_‘ 2008 M Jury List. . sopy of changes be a .m* u‘ ‘Tuesday ::: .g:unl Alexander Piscowsky is the , plainâ€" / 6 . |tig action to recover $1000 ~â€"â€" ‘sdvertisements accepted up to Wed in an € A *‘ sssday each week. damages from the Berlin Furniture f tes reasonable enda|CO 28 32%2ges, when be had his m h‘nn- am -Ih-fln-, hand lacerated in a machine. McBride ~Ghle in edvance, $1.50 if not so paid. _ Postage tor‘ United States subscrib _‘ ato 80 cents extra. ‘â€"â€" Migh class printing, English and Berman, in all its branches. ./. *. WATERLOO, ONT. _ Jury and Three Cases for “mu.unâ€"â€"n-l Justice Lennox. New business to the amount _ of $3,525,508, covering 1529 new poliâ€" cles, was written. Aiter deducting terminations by death, matured enâ€" dowments, losses, surrenders, etc., the «:s amount of insurance _ in force is shown to be $16,146,991, an increase of $2,210,636 over the prew ious year. ‘The story of how this remarkable first year showing was made possifle is interesting. Not one dollar _ ofi commissions was paid on the whole of the $355,780 of stock that _ was sold at a premium of 10 per cent., ft being disposed of By the president and directors _of the company; _ no directors‘ fees were paid and _ other expenses were reduced to a minimum. The opening of thc'sévings departâ€" ment o~t with a gratifying response from. «> oublic, the deposits at Decâ€" ember 3ist amounting to $133,325.57. The funds of the company aré investâ€" ed chiefly in first mortgages on imâ€" proved western propertics, the secutâ€" ity being giltâ€"cdged. The net cash income for the year amounted to $660,504.98, an increase of $55,209.03. Aiter deducting payâ€" ments to .policyâ€"holders of $165,690.â€" 62, shareholders $13,499.35, and â€" all other expenses a balance of _ $319,â€" 085.28 is left for investment. _ The assets now stand at $3,193,064.68, and liabilities at $2,501,153.56, leayâ€" ing a surplus on policyholders‘ _ acâ€" count of $691,911.12, an increase. for the year of $130,726.40. In the rate of 8.11 per cent. of interest carned ‘on its investments the company has this year been able to surpass its remarkable record of the ycar previous, and to again reâ€" port that during a quarter of a tentury not a dollar has been lost on its invested funds. The first annual report of the Watâ€" erloo County Loan and Savings Co., which appears in another columr. is, as the President, Thos. Hilliard, reâ€" marked at the meeting when moving its adoption, "almost unparalleled in the history of loan companies in the province." L Notwithstanding all the expenses incident to the organization and es~ tablishment of the business, at the end of the first year the new _ comâ€" papy is able to carry the sum _ of $30,62%5 to Reserve, pay a dividend of six per cent. and have unalloted profits of $2501.83. Such a showing in a â€" year of financial stringency, â€" is one _ which must not. only be most gratifying to the directors and shareholders of the Dominion Lil’e. but to the thousands af _ policyâ€"holders who â€" are . the beneficiaries of _ the _ company‘s progress. The President, Mr. Thos. Hilliard, the Board of Directors, _ and _ the Manager, Mr. P. V. Wilson, _ whose mames atc a guarantee ci wise and prudent management, are to be conâ€" gratulated upon the splendid showing made. Their first report fully jli%(l fies the confidence the â€" public has seen ht to place in the new company from the beginning. To new gourhals are to aPPea! Muy.sâ€"cal _ almost â€" immediatelyâ€" Owl, weeklv, and The Montreal N News. an eveming papet. 4056 A Splendid Report in The An important case, which was left over from the last assizes, is that of lonathan (G. Hallman, plaintifi, and Catharine Hallman defendant. The lormer is seeking annulment of marâ€" riage. _ He claims tha? he was matâ€" tied to the defendant on August 2nd, and _ shottly aiter she showed sympâ€" toms of mental derangement. Later it was necessary to send her in th> Hospital for Insane at Hantilton. The plaintif _ alleges that Catharin> Hallman was confined in an instituâ€" tion atâ€" Chicago â€" previous to â€" his meeting her, _ and that if he had known this he would navetr have teon tnarried. _ le therefore alleges fraiutd on her part. The marriage was solâ€" emnized in Berlin. Clement and Cleâ€" ment are appearing for the plaintifi, and _ F. W. Harcourt for the defend; ant. Elizabeth Bingeman, plaintid, vs. Susarmah Klinpert defendant. Millar, Sims, | amd, Gregor !‘ntif, and Clerwnt for the defendant. The list of cases to be heard at the High‘Court, which opens at the Court House on February 24th, beâ€" Millar, Sims, and Gregory for the defendant. Writs were also served on the License Commissioners charging them with conspiracy, but this has been dropped. Josoph 11. Fehrenbach plaintift vs. Allan Graue] defendant: A. L. Bitzer for thr plaintiff, _ and Millar, Sims, and Gregory for the defendant. . The plaintif clains _ $3000 and interest, under an agreement entered into with the defendant. CLASSES IN JUDGING HORSES AND CATILE N. Waterloo Farmers Institute Hoiding Classes in‘ Market Building Babies Own Tablets Cure . Sickly Bapies If your baby is sickly, if his little stomach is out of order or‘his howâ€" els need regulating, no other mediâ€" cine will have such prompt or beneâ€" ficial cfiect as Baby‘s Own Tablets. Thousands of other mothers use no other medicine for their little ones. Concerning them Mrs. John G. Ctoâ€" ckett, Glenberric, N.S., writes: "I have usedâ€" Baby‘s Own Tablets _ for stomach trouble, vomiting and _ conâ€" stipation, and in every instance they have proved successful. I would use no other â€" medicine for _ my _ little Ones." The Tablets are sold by micâ€" dicine dealers or by mail at 25 cents a box from The Dr. Williams‘ Mediâ€" cine Co., Brockville, Ont. ; The regular meetings of the Nerth Waterloo Farmers‘ Institutes are beâ€" ing _ hold in the â€" Waterioo market building this week. The attendance at the meeting on Tuesâ€" day was very large, and most gratiâ€" {ving. Classes _ were conducted in judging dairy _ cows and beef cattle. Mr. R. S. Stevenson of Ancaster was judge of. daity cows, and Mr. Smith of Columbus judge of beef cattle, Wednesday classes were held _ in judging _ fight _ and heavy horses. The sperific« fat this dAiscase a !'N‘o(. the Resoivent and Tonhss CURES ASTHMA Chas. IT. Rillings, of 46 NC, 17ch < t br ht * ars 1 bave bronesnffering from asthma chitts. A teek a# J prrchasod & het whway‘s Readr Relief aml have taken inful dn wasep befem retinag oa8% adway‘s 'Ready +} atDelief Nonâ€"Jury List. olv 0+ wher ver AXY & CO.. of February, at 2 o‘clock p. :‘:l‘ following shareholders were 6: P. H. Sims, Foronto;, Thos. Hilliard, L. E. Weaver, J. J. Shaw, The President, Mr. Thomas Hil liard was requested to take the chair and the Manager, Mr. ‘P. V. Wilson to act as secretary to the meeting. The following is the Directors Reâ€" Strasser, Mrs. Flynn, John Bingeâ€" man, Miss F. Hilliard, Mrs. Botham, Waterloo, Geo. Fink, Preston, Geo. D. Forbes, W. Renwick, J. R. Phin, Schiedel, W. D. Euler, Berlin; Wm. Livingstone, Milverton, Edwin Danâ€" iels, Guelpb. port and the financial statement â€"of the Company to the end of the year. The Waterloo County Loan and Sayrâ€" ings Company, Waterloo, Ontario. Submitted to the sharebolders at the first Annual Meeting, February 12th, 1914. The Directors of the Waterloo County Loan and Savings Company have the honor to submit to _ the Shareholders their first annual _ reâ€" port covering the period from the date of incorporation, April _ Tth, 1913, to the 31st of December, 1913. The financial statements and balance sheet herewith submitted are certiâ€" fied to by our Auditors J. M. Scully and Jeremiah Scully. fice premises has been written off to the extent of $336.43. The assets shown are therefore worth every dolâ€" lar claimed for them, and shareholdâ€" ers may rest assured that the proâ€" fits claimed have really been earned. The financial statement shows that at the end of the year with all exâ€" penses paid, the Stock Capital is inâ€" tact, the Premium in full carried to Reserve Account, a six per _ cent. dividend paid on the _ amount of stock paid in, for the time it â€" was in our hands, there remains the sum of $2,501.83 as unallotted surplus. The authorized capital of the Comâ€" pany is $2,000,000, of which $503,â€" 000 only is issued and a little ovéer $100,000 of this is still available on the original terms. It is expected that in view of the iavorable showâ€" ing outlined in this report, the reâ€" mainder of this issue will soon be subscribed. Stock has been sold to the amount of $355,700, all at the uniform }mce of $110, on which has been received on Capital Accouns $167,436, and on Premium Account $30,62%5. We have aiso received Navings Deposits, amâ€" ounting on December 31st to $133,â€" 325.57, including interest accrued thereon. We have invested these funds chiefly in first mortgages on improvyâ€" ed western properties <and . debenâ€" tureg. ys . President. The President in moving the adopâ€" tion of the report said that it . afâ€" forded him great pleasure to submit would swell the amount considerably. The mortgage investments bad all been made at favorable rates on thoroughly approved properties, prinâ€" the first annual report of the Comâ€" pany and to move its adopfion. As a first statement it was almost unâ€" paralleled in the history of . Loan Companies of the Province. At the It is worthy of notice that organizaâ€" tion expenses have not been _ taken into assets and that the cost of ofâ€" On account of the rapid growth of our Savings Department, your Direcâ€" tors deemed it advisable to acquire an office on the ground floor in _ a desirable location, and purchased and fitted up the old postâ€"office building for Mead Office use at the cost of $10,386.13. The cost of organization has been extremely low, being almost entirely the cost of Ontario chart® _ and licenses for Ontario and Manitoba, nothing having been paid for selling stock or for the services of the Preâ€" sident and Directors. + Â¥ â€"" o $ 000 )/ #Z ~ ,» 1" n ~<> 2 " tne xX ~ estab o If your :-'t a-lr:iu e m M;&ldy= First it i No alcobol or narcetic in Scott‘s Emuision, just purity and streagth. "un DIRECTORS‘ REPORT. Fey 0‘ are dependent on nourishment for growth. I7"~ Their health as men and women is largely ~ established in childhood. If your child is languid, bloodless, tired when rising, withâ€" out ambition or roay &!h, Scott‘s Emaision is a wonderful help. It possesses nature‘s fl::“en bodyâ€"building fats so *, delicately predigested that the absorbs its strength and carries it to every organ and tisswe and fibre. t it increases their appetite, then it adds flesh â€"strengthens the bonesâ€"makes them sturdy, active and healthy. [ Be 3 THOS. HILLIARD, All Growing Children "roing | sahiourt Safricg Tocware to © usss. 2B " 'ltfiwlm profits of $2501.83. The capiâ€" . m. The|tal stock subscribed to at the end of ABemesimedems C1 (%% . 5 o it in well. 'h\ckct is %fi mmount of $30,085 carâ€" delightful, . TF â€"Reserve Fund; the payâ€" e g O 5 y oc n e o understand the values of properties.| The ‘cliarges are laid by Inspector Although interest rate?$ had ‘° been| Ayearst, of the Provincial Departâ€" comparatively high for some time it | ment, and extend over a period . 0} would be the policy of the Company |several weeks. 1t is rePorted that a to set aside to theâ€"reserve fund from j gang of ‘"spotters‘‘ have been â€" at time to time as much as possible of| work for several weeks with the. Ieâ€" ’t.be earnings so as to e nrevared for| sult that hotelmen â€" and bartendets a lower rate of interest. The growth |have been caught selling liquor, during of the deposit business had _ been|probibited hours. wost satisfactory and new accounts| Almost â€" every hotel in Waterloo, were being added to the list daily.} yoolwich and Wellesley township has ‘This department of the . busiues$| been served witls summonses, It is should grow to considerable dimenâ€"|stated that the only municipalities sions and prove highly profitable t0|gthat will be represented are Berlin, end of the year they had been abl"}waterioo, Bridgeport and New Gerâ€" the Company. The fact that interâ€" many. est was being paid on all accounts and that absolute security was afâ€" ' forded the ‘deposits ‘ should attract ' , a.considerable amount of money. The 'mm Tm debentures yielding rates from . 4; + to 5 per cent. would no doubt also| _ sn‘m ml"fi be sought after. Mr. E. F. Seagram referred to the â€"we= pleasure it gave him to second _ the & adoption of a report which was posâ€"| On â€" Tuesday, Mr. and Mrs. Levi sibly â€" unequalled by any other Comâ€" Haus celebrated their silver wedding pany during/such a short period. The anmiversary. About twontyâ€"five out shareholders would no doubt be gratâ€"|of town guests were present, and Mr. ifled at the progress of the Company |and ‘Mrs. Haus were made the recipâ€" and the sgmg:k of its position .g.ientg of several valuable presents. the ond of Decembet 1456â€" ‘ThOTC BAS | uomummmmmmnmemmomuneys ommpenmmmsuum possibly beem no Company in Canada bibnrmi in on h started umder nfore favorable.condiâ€"|\ment of 4 per cent. interest on â€" deâ€" tions than the Waterloo County Loan |posits should attract numerous | cusâ€" and Savings Company. The DirectoIs |tomers to the business and he pre bhad received nothing and ask nothing|dicted a great future for the Comâ€" for their past services and mo comâ€"|pany. The desirapility of opening up missions had been paid foy the sale{one or two branches was referred to of stock. He urged strongly the co-lud it was pointed out that the Di wperation of the shareholders t.owardsjrectors had this under consideration assisting in the procuring of depositiand would no doubt take action in @ccounts and the disposal of our deâ€"|this direction within a short time. bentures. The security offered by the| Amongst the other sharehoidets Company should greatly assist them|who referred to the excellent posiâ€" in building up these departments olition of _ the Company,‘ were Mayor the. business. This had been indicatâ€"| Euler of Berlin, Mrâ€" Lester Weaver ed already by the large number of|of Hespelet, Mr. Geo. Fink of . Pregâ€" saccounts opened. tom, Mr. W. Renwick of Hespeler, Mr. Mr. George D. Forbes of llaveler'l‘. H. Sims of Torento and Mr. F, alluded to the undoubted security at‘Halstead of Waterloo. _ . tached _ to the investments of the, ‘The manager, Mr. P. V. Wilson exâ€" Company which were being made in plained the method of handling . the mortgages and debentures. Western nfortgages so as to ensure The Dominion Life Assurance COomâ€"|the transactions being catried out in pany had the record of having never absolutely correct form. _ All the lost a cent of principal in twenty |necessary papers were firstâ€"examined years, and as the business of the{and certified to by the Western solicâ€" Loan â€" Company was being followedlitors. They were then handed to our umder similar methods, the safety to|local solicitors Messrs. McBride and depositors. and debenture holders| Mackenzie, examined and cettified to should‘ be absoiute. He agreed with{by them ; from there they are examâ€" the President in the necessity Oflined at the office of the Company, building up the Reserve fund followâ€" |and lastly examined by the investâ€" ing the plans of other loan cOnt?anBâ€"iment committee to make sure that ies and chartered panks, so that when |all the requirements of the Company interest rates are jower there will befhave been met. He also explain»d vestment Company and other large}the nature of the security to deposiâ€" stantial dividend rate. _ He po‘inted|tors and _ depenture holders, stating lont the experience ofâ€" The Huron adbd|that they had a prior right on the Erie Loan and Saving Co. of Londo®, fassets of the Company. and that the the Guelph and Ontario Loan aui lD | shareholders would have to lose every vestmen Company and other â€" largt}went of their money before the defosâ€" 'lo&n Companies that had built uf fitors or debenture holders could suffer large reserves and whose stotck had? There was at the Present time over become doubled in value. $400,000 of surplus security to â€" the Mr. Harvey Sims of Betlin refetred | depositors and they could rest . asâ€" to the excellent rePort of the Comâ€"|sured that the Ditectors who had pany for the period ending Decembet|never lost a cent in connection with llls(-, and stated _ that in his opinionithe Dominion Life were certainly not it was even better than the shareâ€"jgoing to lose any such large amovnt bolders had anticipated. ‘The security I as this by putting the money in first ofiered by the Company and the payâ€"{mortgages and debentures in sm_?ll December amounted to $355,700, and this mll been sold withous the it of one‘ dollar of commisâ€" No expenditures had been made except those that had been_absoluteâ€" ly necessary in the Interests of th‘ Company, sych as incorporation fees, wies, ¢tc. The investments had been to loans on thoroughâ€" ly ial d properties; and municipal and school debentures, It had been thought advisable to keep a portion of the assets in the latter form . as they were .marketable at any time, and as eXxcellent opportunitie . had been had since the end of the year to add to this amount at favorable rates the company had seen fit to make additional purchases _ which cipally in the City of Winnipeg. ‘These loans were similar to those taken fl}y the Dominion Life Assurâ€" ance "Company. for the last yumber of years, and on which they have mever lost a cent. No advances were made for more than fifty per cent. of the valuation of the property, which valuations were made by the Company‘s agents who thoroughly understand the values of properties. Although interest rate$ had ‘° been comparatively high for some time it would be the policy of the Company to set aside to the reserve fund from time to time as much as possible of 1379 At _ a subsequent meeting of _ the Directors _ Mr. Thos. Hilliard _ was elected President and Mr. E. F. Seaâ€" gram Viceâ€"President, _ There will be a wholesale hearing of charges against hotelkcepers in rarious villages and townships in th: county, on Friday morning, no less than thirtyâ€"two cases being entered lor hcaring before Magistrate Weir in the Police Court. The following shareholders _ were tlected _ as Directors for the year : Thos. Hilliard, E. F. Seagtam, P. H. Sims, Ford S. Kumpf, . Thog. Trow, S. B. Bricketr, Dr. W. 1. Hily liard, Geo. D. Forbes, M. M. Bricket, Fred Halstead. it might be said that the history of loan Companies in this Province was more satisfactory than that of _ any pther class of financial institution. Wholesale Issue of S Woolwich and Wellesley township has been served witls summonses, It is stated _ that the only municipalities that will be represented are Berlin, Waterioo, Bridgeport and New Gerâ€" Amongst the â€" other sharehoidets who referred © to the excellent posiâ€" tion of _ the Company,‘ were Mayor Euler of Berlin, Mr. Lester Weaver of Hespeler, Mr. Geo. Fink of . Presâ€" tom, Mr. W. Renwick of Hespeler, Mr. D. H. Sims of Torento and Mr. F, Halstead of Waterloo. = ‘The manager,â€" Mr. P. V. Wilson exâ€" plained the method of handling . the Western nfortgages so as to ensure the transactions being catrried out in absolutely correct form. _ All the necessary papers were firstâ€"examined and certified to by the Western solicâ€" itors. They were then handed to our local solicitors Messrs. McBride and Mackenzie, examined and certified to CELEBRATO TR |[E. H. THAMER & SON, $ _ SILVER WEDDING($ _ ue Gale vogmsomg Enrominn) posits should attract numerous . cusâ€" tomers to the business and he . pre dicted a great future for the Comâ€" pany. The desirapility of opening up one or two branches was referred to and it was pointed out that the Diâ€" rectors had this under consideration and would no doubt take action in this direction within a short time. by them ; from there they ate examâ€" ined at the office of the Company, mnd lastly examined by the investâ€" ment â€" committee to make sure that all the requirements of the Company have been met. _ He also explain»d the nature of the security to deposiâ€" tors and _ debenture holders, stating that they had a prior right on the assets of the Company. and that the shareholders would have to lose every sent of their money before the defosâ€" itors or debenture holders could suffer There was at the Present time over $400,000 of surplus security to . the depositors and they could rest _ asâ€" sured that the Directors who had never lost a cent in connection with the Dominion Life were certainly not going to lose any such large amovnt as this by putting the money in first mortgages and debentures in _ small lots averaging $2,000 to $5,000. Th: very few unfavorable experiences of Loan Companies in Canada had been due to gross mismanagement and the misapplying of funds to channels that were absolutely foreign to good loan Company business. Taken as a whole On â€" Tuesday, Mr. and Mrs. Levi Haus celebrated their silver wedding anmiversary. About twontyâ€"five out of town guests were present, and Mr. and ‘Mrs. Haus were madg the retipâ€" ients of several valuable presents. To chaps and sore lips. CHEMICAL Co. Or CANADA, LIMIHMED, In 25c opal glass jJars, at your Druggist‘s. . > APPLICATION T0 PARLIAMENT The existing depenture debt of the Corporation of _ the Town of Waterâ€" too is as follows, and no Part theteâ€" of is inarrears :â€" 7 Gemeral .. ... 222022 220094,876.81 Local improvements ... 167,452.15 Water Works ... .. ~« :/« 18,991 .14 "Blectric Light .. _ ... . 54,659.13 Gas Plant . i Farviny c,org 390844 Public School ... .. .. ... 16,2330.12 * §$444,597.46 McBride & _ MacKenzic, Solicitors tor the Corporation of the Town _ of Waterloo, the Applicants. Dated at Waterloo, this 2ist day of Jan A_P ; 19141 §t _ Waterloo and also the granting of certain exemptions from taxes, â€" and also â€" ratifying _ and comfirming an agreement dated . the #4th day of July, 1913, and made beâ€" tween M. H. Montag and A. L.. Dantâ€" ser and the Corporation of the Town of Waterloo, pursuant to the terms of said Byâ€"Law No. 490. of Waterloo, for Ten Thousand Dolâ€" lars, for the purpose of granting a bonus by way of loan to M. H. Monâ€" tag and A. 1. Dantzer, trading at Berlin under the firm name of Qualiâ€" ty Mattress Commpany, to enable them to establish the business of manufacâ€" turimg mattresses in the said Town Notice is hereby given that an apâ€" plication will be made on behalf _ of the Corporation of the Town of Wat~ loo to the Legislative Assembly of the Province of Ontalio, at its next session, for an act ratilying and conâ€" Arming ~Byâ€"Law Number 490 of the said Town of Waterloo, being a Byâ€" Law to authorize the issue of debenâ€" lures of the Corporation of the Town: Savings Doepartment At all Branches. Interest allowed at highest current rate,. | _ Berlin, Ont. Branch, J. .R. Kirkpatrick, â€" Manager. «â€"like the business of Manufacturingâ€"should be done in a practical business weay. Proceeds should be put in a bank. Payments should be made by Cheque. A certain percentage of the profits should be put in a Savings Account as an emergency fund. ‘The man who has a cash surplus in a bank, is protected against bad seasons acd hard times. . 85 BRANCHES IN CANADA...â€" A GENERAL wmxxm TRANSACTED. CIRCULAR LETTRRS OF CREDIT ... y 0_ (uin upuunp a. CsLen, M.P., PResipent, . W. o. MATTHEWS, VC C. A BOGERT, General Manager,. THE DOMINION BANK BERLIN BRANCH : BADEN «00 ; Capital & Resorve â€"â€" â€" ~$§,700,000 The Business Of Farming N. EVANS, Manager. E. R. FITZGERALD, Manager. ln“rpmq.d in 1803. Total Assets 3ist Dec., 750,0 Nessssane . anszscars Waterloo Mutual Thomas Gowdy, Esq., Gueiph, James Liv agston, Esq., Bades. Frank Haight, Esq. WTCV. MNCWC! C POC C ECRTIOIE Frank Haight, Manager. Artbur Foster, Inspector. J. C. Haight, Solicitor. , C A. BOEHM,Dist rict Agrat. E22. W. RD. NTODM, e William Snider, Esg. Â¥. 12. WIGOTTen, L0Q,, 90. . SODCCT Allan Bowman, Esg., Prestom. *‘ BOARD OF DIRECTORS sersesensessage® WATERLOO, ONT. OFFICERS * «S 1ssued. BANK adt