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fr 6f 31 a«. . ADYERTISERS of changes -fi‘hl‘l at office not lates than Saturday Whe copy of changes mus? aot. be m fater than Tuesday noom. Casual uitertisements accepted up #o Wedâ€" â€" Ts . "o JMe ) "o we m o C cologhn > WB d ® mmarmning. C 0 C H 'mmu;-“*‘”,-“‘ _ ® us::'A::::'i‘:l' opu.t:.‘u“.m::l vote _ would be so _ overwhelmingly against the proposal. The vote indicates that the _ raleâ€" payers were | unprepared to sanction the expenditure of this large anvount which to many appeared an excessive sum to Pay for the improvement. In addition to the ofriginal amount | the interest for twenty years and the ulâ€" timate cost of making the necessary change _ in the _ roadbed involved in ‘widening _ the â€" street _ would have brought the amount to be paid _ bÂ¥ the ratepayers to well over $30,000. To expend this large sum for someâ€" thing from which thore would be no direct returm such os would be . the PUBLISHERS WATERLOO, ONT. §$1.00 pes anawm peyâ€" e, $1.50 it not so pald, lage for United States subscrib K cints extrsa. etman, in al\ its branches, case if the â€" money were utilized > in starting or assisting an industry, apâ€" peared â€" to a large number of _ rateâ€" payers to be improvident and umwise. To our _ mind ome of the main reaâ€" sons for the defeat of the byâ€"Jaw is the fact that a period ofi depwession is upon us which has been pagravat, ed by the war, and with nfet workâ€" ing short hours and quite a number without _ employment, it is not surâ€" prising that ratcpayers should _ wish to curtail expenditures. This togethâ€" er with the large amount required contributed largely to its doleat. We â€" believe that had cimes been prosperous and the amount of the ontâ€" lay required _ to secure the improy>â€" ment not so large, the byâ€"law would have had petter prospects of passing, as Only a majority was requited . to ccearry it whereas in the case of a boaus byâ€"law two thirds of the total vote cast must he in favor. ‘The end â€" sought. that of a _ wider ‘The end _ sought, that of a _ wider Thoroughfafe _ between Erb St.â€" and Weaver St. and g uniform street line on the west side ol King St. was a ion surprise. The Molsons Bank will now pe free #o proceed with the construction _ 0 their new building at the corner _ 0 Etp and King Stsâ€", and it is a soUurc of satisfaction to know that it wil VID BEAN & S0NS, U vertising rates reasonable ai be made known on application. Byâ€"law Fails to Pass PDr, B. J. KENDALL COMPANY to get out the vote, â€" were â€" cast in favor es ot ovet four times favor, were registered law. â€" The byJaw was najority . of 375. . was strong oppositiOn has been evident, _ eSâ€" ts, and it is > know that tructure and overwhelming] +]| With the talk of the possible c# tablishment of a moratorium in Can ada as a result of the war, an explaâ€" nation of what such an order would mean will be of futerest, In commenting upon the orderâ€"inoâ€" council proclaiming a partial _ morâ€" atorium in Great Britain, the. Manâ€" chester Guardian‘gives some jnterestâ€" ing information. Certain poinis should be notited in this proclamation, @ bif to legaâ€" iize which passed through the House of Commons,. 1t applies only to bills of exchange, aud the term of postâ€" ponement is limited to omly _ one month. 1t is the usual practice to hegin by Osing the moratorium . for a short period, but to extend it as lopg as the financial crisis . endures. It is usually when a country is at war that a moratorium is proclaimâ€" ed, and, as in the case of the Balkan States and of France in 1870â€"1, it is generaily coutinued until the end of the ‘The moratorium is not obligatory. Those who care to meet their bills may, but those who cannot are reâ€" lieved from having them presented on conditions of adding to the amount of their liability interest at the curâ€" rent rate. There has been no moraâ€" lorium in this country for at least me bhundred years. . That is a meas ure of the gravity of the _ financial crisis through which this country is passing as a result of the war. A moratory k«w, so the authorities express it, is ‘a law passed in times of emergeney postponing for a speciâ€" fied time the due date of bills of exâ€" change and other obligations. . The delay or period of grace allowed by the law is a ‘moratorium.‘ _ The moratorium imay roughly be of thrce ‘kindsâ€"(l) it may appry only to bills ‘of exchange, as in the present case, (2) it may apply to other contracts, such is loaus and mortgages, which inipose upou a debtor the liability to imake mouetary payments to a crediâ€" tor at a fixed time; (3) it may perâ€" wit banks to suspend the payment of deposits to their clients. This power was given in 1912 to the Greek bauks, and cxercised at least by the Dational _ Bank. _ tts purpose, _ of weurse, is to prevent the collapse of the banks owing to a run. It . is bot quite the same thing as a . susâ€" pension of cash ‘payments. The susâ€" pension of cash payments in _ this country applies ouly to the Bank of FEngland, and _ enables that instituâ€" tion to refuse to give gold for its notes. _ A suspension of cash â€" payâ€" ments, as understood here, in effect vstablishes un enforced paper girculaâ€" tiou in place of a gold cirgulation.. Those who hdve any familiarity at all with the subject know that vast gums of money are earned . by this country ‘owing to its being the money market of the world. The moratorium, by making the meeting of obligations uncertain, cripples this scurce of national income. e the effect of aggravatipg ig conditions of unemployment not any tdo ~ 4000 sclore it began. e P Manutacturers in order to:â€" meet the new conditions are likely to speâ€" cialize in new lw,o view, , to supplying ! the ts rie lormerly tradiig with ma 7 war and whose | Aw , aed, The w~lhccordiag, No > "Téronto y Of" * PP cialize in new lines -? # 98. n 39| > uthority, o supplying ‘, the \ot. coumtr) :',. rum!d: lormerly tradiig with matl ‘*m | 4 war and whose tri in ‘wew l pg " fhh aed, . The | pppbtiipccortiad,. " 30 Wt op aatorid Téronto kiu :. of * Mun icipat « PB m-"’.‘“ search is liÂ¥ely to be a very M &' t uistubumn of ub‘::' ud“ ou M‘r’r{ 5.. lfl CErars vef on #0) ‘The suggestion is made that ~the|; Dbegi ces ds TL cubd |â€" eumindas" se ..‘-: ROu v ‘The suggestion is made that ~the present emergency should supply the necessary impetus for a start . in luabor distribution, which is becoming at"the same time more negessity aud more difficult. . With its _ comâ€" paratively small population and | re: latively undiversified industries, and with the greatly increased opportuniâ€" tes for manufaeture which the war is already bringing about, _ Cana‘la will never have a better opportunity to take a step which will put. het in the front rank of producing «na» tions. g ue a The time would appear to be riogt opportune for the consideration _ of this question not only from _ the standpoint of the reliet of unemployâ€" ment, but from the standpoint of ment, but from the standpoint _ of CUanada‘s industrial development. ‘The subject is oue upon which the _ deâ€" partmeuts of labor and trade and commerce at Ottawa might work in conjunction with a view to evolving a practical plan. Prediction of a Long Struggle Lord Kitchener‘s warning that the war may last Piree years or more, and that it will strain all the _ reâ€" seurces of the British Empire is _ a ptofessional opinion that cannot _ be waved lightly aside. Now that the allied forces _ hate expericuced their first serious deicat, and the temper and purpose of Gerâ€" toan imperialisin are more clearly reâ€" vealed, it must be plain to â€" London and Paris alike that this is no boliâ€" ll:ay war. â€" The New York World _ has some | logical comment on this phase of the situation as it â€" has developed. It poiuts out that tne North â€" suffered| two years of almost continuous deâ€" fcats before it began to wear down the resistance of the Confedetacy. I% is not inconceivable that _ Great britain,; France and _ Russia _ muy baltle a full year before the militaty »tLreng th of German imperialisnr _ is seriously weakened. 1 When all the impedimenta of civi | ilzation are thrown aside, armies can reuiain in the field as long as | they uid in Napoleon‘s time. In a con fict of this kind the advantage rests lirst with the power that. can imine wiately put the greatest numbet of trained soldiers into action. In a longâ€"drawnâ€"out war the final advautâ€" nge rests with the powers that .have the superior natural resources, as it did a century ago. Itâ€" all depends on the temper of the contestants _ and the sacrifices they are prepared . to did a century ago. the temper of the the sacrifices they make. If Great Britain and France are determined to throw their last . m.an and their last loaf of bread into the baiance before making peace with Germany on any terms except | their owir, _ _no man can guess how long such a struggle may continue. If the result is to be determined by strateâ€" wical triumphs in the field, no i=un can guess how soon it may be finishâ€" ed. ‘The Germans are not where thf‘)" expected to be three weeks ago, but the tremendous German military maâ€" chine 13 working with startling preâ€" cision despite the setback at Liege. If Paris and London are chagrined by the first defeats of the allied Torces, they must begin to realize that â€"the war is barely begun and that there will be many other bloody battles before the tide of German _ invasion can be rolled back.. Thg struggle for the mastery jof Europe, Asia _ and Africa is notf a campaign but a deithâ€" giapple. ‘ ‘‘Others go to battle," said Tociâ€" tus of the Catti tribesmen; ‘"these go to war." Great Britain _ and France are squarely confronted with a test not mercly of their military genius but of all their vital resources as great nations and of all their tenâ€" acity of purpose to remain great naâ€" tions . + Miss R. Kaatz has returned after spendicg a fow days with friemds in walt. If you are troubled with weak, tired feelings, hbeadache, backache, bearing down sensations, bladder weakness, consâ€" :r!bn. catarrhal conditions, pain in the es regularly or lrro'nl-tly, blodh: or unnatural enlargements, sense falling or misplacement of internal organs, nervousness, desire to, ery, pl'rmion, hot fiashes, dark rings under the eyes, or a loss of interest in life, I "’"'Q,X"' to write and ask for my simple method of to write and ask for n&olmph method of home treatment, with ten days‘ trial entirely free and postpaid, also references to Canadian ladies who gladly tellhow they have reguined healtih streagib, and & WOMAN‘8 MESSAGE TO WOMEN. Chronicleâ€"Telegarph, Wateclop,. Ont., Thursday, September:â€"3rd 1914. Page 2 501 In a book entitled "The German z":“‘ Fraace,‘‘ tranglated om the Wreuch of Paul Sanoir, aud published ‘recently, 4t is stated . that Arthan eabtonadhe id France interests itvel # ww ever fbwidy p 1 @By.. mabity a particle of ityâ€" or . _A spec “”E r&a '&&& nnl‘ ibies," ‘Ato:. of al officéts ne§ ubdér the notick.of the _ Gerâ€" lar um as ~to : tele ues , 'mlp:'yi. highâ€" ages Te wapetige, mmivolne: s + , shipping, bospitals, â€"barracks‘ _ aceommodation, water _ supplies, discontented people, and citizens susceptible of monetary temptation _ is particularly sought. Jtow perfect a spy system has been introduced by the Germans into Canâ€" ada is not stated, but it is known that there have peen German sples in this _country . witbin the past _ five years, and that some of them . have m jdentified and tracked py _ the tary and police authorities. * Uwing . to the military censorkh.p in |vofl{ cfi,‘nw'lulns telegraph Jean Fa iE . difficult for the Gérman agent in Canada to get his reports across the Atlantic eccar promptly ; but in the absence of . a ecnsorship over the land wires _ and mails, â€" commWnication of a sort open through the malls, to _ n« countries. & It is well that patriotic Canadians who are the repositories of informaâ€" tior which might â€" be useful in _ any way to the: enemies of the empire should keep such information to thenr selves and take every mrecaution . to prevent it from obtaining general cirâ€" culation, or from reaching the â€" ears of possible agents of the German i telligente Service. 4n sending a message to the King of the Belgians, eulogizing the heroâ€" ism of Bclgian troops, King George but joins _ in the universal _ tribute which is being made to the men who, forced into an unprovoked war, have been compelled to defend with â€"their lives, thcir homes and < their fatherâ€" land. The other day a paragraph remindâ€" ed the world that Caesar writing balf a century before Christ, described the Belgae as the bravest. of all the tribâ€" es of Gaul, which he encountered one after another. ‘Caeset‘£ Cortmentarâ€" ies, Book 1, Chapter 1, bring _ out sharply and clearly the courage and virility of the Belgians ‘of that day, which characteristics have been handâ€" ed down undefiled for 19 centuries. Caesar wrote:â€" _ , L es The whole of Gaulâ€" is divided into three. parts, ong.of which the Belâ€" gians inhabit, the Aquitanians . anâ€" other, the third, they who are called rn their own language Gauls. They al}. differ from each other in _langâ€" ‘uage, customs and laws. * * Of all these the Belgians are the bravest, \hccusr they are furthest _ removed from the civilization and intellectual refinement of (our) Province, and merchants less frequently resort <to them and import those things which tend to encrvate their minds; and because they are nearest to the Gerâ€" mans, who dwell bevond the Rhine, with whoiu they are continually wag ing war." Hats of to the Belgians! By this time the Kaiser must be downright sorry that he refused to _ recognize their independence. FREE SUMMER SCHOOL FOR f ENGLISH CLOSED The elosing exercises im conntct‘-nl with the Free _ Summer School _ for I‘nglish, â€" which _ has been conducted during the summer months in the St. :}ndrew's Presby terian schoolâ€"Â¥00m, ete held on Saturday evening _ and proved to he most interesting and enâ€" Jovable. There was a large attendâ€" ance â€" of members _ of the class and their friends as well as those . who have been assisting Mt. R. Katzunofi, who _ wasâ€" in charge. _ ‘A fine proâ€" gtarmme was provided. including songs in Russian, BÂ¥lgatian and the . Emgâ€" lish languages. The accompaniments were played by Miss Whiteman, who has agsisted â€" throughout the â€"season. Wiss P. Holman also sang several seâ€" lections. Among those who have . asâ€" sisted th the teaching of the varioUs classes during the summer wetre Missâ€" es Euler, Jackson and N. Smyth, and The resicnation of City _ Solicitor Nellis was received by the Woodstock Council Thursday night. He has actâ€" ed for nearly twentyâ€"one years. MINARD‘S LINIMENT â€" CURES BURNS, ETC. , _ A | wnm d" --A.u‘.;-..;a;‘.‘ Belgian Valor neutral Hn%ot ol Dresden 9':.“ actory Mansger * Importing Foreigners conierence at the City HaW this aRâ€" ernoon to find a wmm of! the uncinployed _ probléem ‘i$ a . #1oreâ€" gone conclusion, . as practically qw: inmdustrial â€"â€" municipality: in iBe. : Ptoâ€" vince will pe represented, From the tone of the letters received py Mayor Hoken,. approving of his suggestion for the establishment of a central asâ€" soctation to supervise and coftrol the situation during the coming Winter, it is certain the problem is a . Y€Ty real one in many quarters. It is to be hoped _ there are . not many. cases in Ontario of the nature described py Mayor Hugh S. McDonâ€" ald, of Dresden. That gentlemam in a letter to Mayor Hocken makes the allegation that the manager of a factory in that towsn went to Buflalo a week ago â€" and engaged 40 forgign men and women to work in the local factory, when there were large numâ€" bers of _ unemployed people in the town anxious to find work. Mayor McDonald said the _ excuse was made that local help could not be secured , a statement _ which be characterizes as beside the facts. A similar conâ€" dition of affairs exists im other placâ€" es where there are canning factofies, he asserts. He requests Mayor Hocken to call the attention of the Attorneyâ€"Generâ€" al to â€" the case he cites, which, if true, is a serious violation of the imâ€" mivratien _ regulations. _ Mayor Mcâ€" Donald â€" alleges the foreipnors *‘were brought in â€" tond and would pe _ reâ€" turned season As Mayor McDonald the representatives ai feremce, _ more _ wilÂ¥ heard of this matter. ELMIRA FLOWER SHOW ‘The largest and best flower _ show that bas ever been held in _ Elmira concluded on Wednesday after a re cord attendance. The exhibits _ of plants and flowers were such as to make citizens proud of the ability of flower lovers of the town. Mr. J. H. Howman, secretaryâ€"treasuri the Morticultural | Society,/tfised pleasure at the Gutcome of the _ afâ€" tair. _ The Elmira Musical Society Uand was _ present while the show was in progress. Britain‘s Great Lace Industry. At the time of Queen Elizabeth the majority of ladies were makers of pillow lace as well as expert needle women. This pleasingâ€" pastâ€"time .was also, as it is toâ€"day, an important industry among the dwelters of Great Britain, but chiefly in certain centres which are even toâ€"day noted more for their lace than any other industry. A writer once made the statement ** that women who make lace, never grow old," and this statement is proved by a visit to the Cottage Lace Makers of Buckinghamâ€" shire. Below we give a portrait of one of the Cottage Workers who is now 87, and without the aid ‘of glasses plies her interâ€" esting art and is a producer of the very finfs( quality of Buckingham laceâ€"in every respect equal to the historic Buckingham laces now in the possession of the Royal Families of England and Europe. The recent development of this industry is due largely to the untiring effort of the Buckingham Cottage Workers‘ Assoâ€" ciation â€" who have been: instrumental in pla¢ing the industry upon a sound business Any lady dgsiring particulars as to this wonderful lack industry may obtain free of charge a descriptive booklet with parâ€" ticulars as to the lace from Mrs. Armstrong, Olney Bucks, England * * * Side by side with English In. dustry the Buckingham Cottage Workers Agency, have, during the last few years, done much to develop the languishing lace industry of the Emerald Isle, particularly in the little known districts of the centre dustry the Buckingham Cottage Workers Agency, have, during the last few years, done much to develop the languishing lace industry of the Emerald Isle, particularly in the little Â¥nown districts of the centre and West of Ireland. «n order to more fully develop the Industry the Irish sisters sought the coâ€"operation of Mrs. Armstrong, hoping thereby to accomplish in the West of Ireland what has been done in Buckingâ€" hamshire. The quality, beauty and excelâ€" lence of the Irish lace is too well known to need comment, suffice it to say that any one requiring information or | illustrated catalogues o’ these laces can obtain them lly addressing as above, Mrs. Armstrong, Olney, Bucks, Eng Immigration Laws Violated to â€" Buffalo after the camning M ak known districts of f Ireland. _ dn order p the Industry the Ir oâ€"operation of Mrs. A eBy to accomplish in ‘hat has been done in The auality. beauty ace for 75 Years will be one of taâ€"day‘s _ CJnâ€" undoubtedly be ith English In ottage Workers last few years, languishing lace Isle, particularly ets of the centre n order to more the Irish sisters Mrs. Armstrong, ADRTTE d dntait ol Washington, Aug. 31.â€"The British capture of Aphia, in Géerman Samoa was auiounced in the following offiâ€" vial message from London â€" to . the British EimnbaÂ¥sy here toâ€"day: ‘"‘The Secretary of State of the Colonies has received a telegram from _ the Goverror of New Zealand, _ stating that Aphia in German Samoa, surâ€" tendered at 10 a.m., August 29, to an expcditionary force sent by the Goverument of New Zealand." Waterloo Township Council Proceedings The Council met at the Tp. Alall on Saturday, Aug. 29th, pursuant to adâ€" journment. Members all present. The Reeve in the chair. Minutes of preceding session read and approved. . Moved by Mr. Veitch, seconded by . Mr. Janzen, that the South Waterloo Agricultural Society be granted the sum of fifty dollars. ‘ Moved by _ Mr. Hallman, seconded by Mr. Groif, that forty dollars be granted to the Waterloo _ Township Plowing Association for prizes. Moved oy Mr. Hallman, seconded by Mr. Janzen, that the following _ acâ€" counts be paid, and the Reeve issue cheques in payment for the â€" several amounts, Viz:â€" Menyo Mader, damage to auto $8.00 Menno Koch, damage and gravel 32.60 Menno Koch, bonus for wire feRCB L.scolsc o rismiccne rreigrceciinne ud Fred Schroeder, work at â€" Blair DFHIG® .. um. cmvclon se ere uie i uds Henry Lippert, gravel ... ... Fred Reiet, gruvel ....... .000 Johi HOLH, #I&YED ..uouse suscll d John Miehm, gravel ... ... Isaac Bechtel, gravel .............. Robert Cornell, gravel ....._.._. Win. Blaschke, gravel .01 <...... I. W. Eaton, gravel ...s.cc.l.l.l. Oscar Trussler, gravel «n..s.. B. S. Wismer, gravel and iabor Allen Shantz, gravel ... ... d John J,. Strong, bonus f6t wire u:mâ€"_â€"-â€"â€"â€"â€"â€"â€"v?‘iâ€"â€"" u2l T r& W‘HM v‘A. won oi W u.'fl.t&fi'\rn;w‘b‘.:i.h.' c‘.‘"ll'.‘,;m. fones u. :s4831 ) ccfcimens n se Havcess 33.00‘ Isaiah Wismer, bonus for. wire JCA ...2.ll2 se i i 18â€"60 Addison S. Snider, bonus for wire ‘ fORCs Es us sncavee afncio en .00 Jacob Kicepfer, bonus for wire fence sotes Hevickes comemnnerncigene | PM00 (C. Peterson, freight and cartage 9.76 \rthur Pannabaker, destroying do« Aeforpree aevoenpyn erstathy 3 00 Moses Honsbetger, drain acrosg TOAQ .. .clll20 us sls se e 802 Martin Olinsky, posts, railing and HEDHE .cs mromefarrecives aevesiveds orte 10.15 Moved by Mr. Groff, seconded . by Mr, Veitch, that this Council row adjourn to meet again at the _ Tp. Hall on Saturday, Sept. 26th, at 10.30 a. m. THEMOLSONS BANK, ‘ BERLIN BRANCH, J. K. KIRKPATRICK. Mg. â€"â€" Savings â€" Department Interest allowed at highest current tidte frouy dgte of deposi§, _ M BRANCHES IN CANADA, e i GENERAE BANKING BUSINESS TRANBACTEE. CIRCULAR LETTERS OF CREDIT ._.._._ P TRAVELLERS CHEQUES ... ... .....}luu..d. BANK ~MONEX, ORDERE .........m «emmmeme~_, h EDMUND E. OBLER M.P., PRESIDENT, .. W. D. MATTHEWS, VCEâ€"PRESIDENT, C.A. BOGERT, General Manager.. f Collections, All Over The World Whether your business is confined to Canadaâ€"or you‘ ship goods to all parts of the worldâ€"you will appreciate the facilities of the Dominion Bank in making collections. _ L8 L 9 «d _ The Branch in London, England, is in immediate touch with the Eur&p«u financial centresâ€"while correspondents throughout the world expedite all transactions. _ ._ _ nsl i ___ The Dominion Bank has branches in all sectiqns of Canada. Manufacturérs, Wholesalers and Shippers are requested to write the Head Office for a complete list of Branes and correapondents. THE DOMINION BANK Capital & Resorveo â€" â€"~ $§,800,000 *‘ BERLIN BRANCH : N. EVANS, Manager. BADEN « _ ; E. R. FITZGERALD, Manager. any Thousand Farm Laborers Wanted GEO. A. TILT, Tp. Cleck INCORPORATED 18848 were 11 2.10 8.10 4.50 10.30 1.50 8.00 40 16.20 4.00 4.80 5.70 3.10 1i fl 200 by pgressectid eesvermccsamems 20 sesessecsee8secesec2c2 2224 A Typical Policy Result of THE Dominion Life sessesessserse2csecccc2 2228 Policy No. 6, 10 Pay‘t 25 Year Enâ€" dowment profits to increase sum aSâ€" sured. iPremium, _ $112.00. Amount $2000.00. Amount increased at end of 3 5 years to ..... ... ) .....©2010â€"00 Amount increased at end of £ 10 years to . ... ... ........ 2150.00 Amount increased at end of 15 vears to § .. 2210,00 Amount increased at end of â€"_â€" 20 years to ...s.. .concco 2300.00 Amount increased at end of freatsat 25 years to...0... ... ... 2589.344 Assured paid 10 premiums of $112.â€" 00 each. Receives $231.19 fpr evely $100.00 invested, that is, his â€" money returned _ with compound interest at NIOBE READY TO START oN ACTIVE SERVICE. Ottawa, Aug. 31.â€"The Naval ’ Depatiment reports that the Niobe will be weady to start on active. service toâ€"morTfow. vill make _a formidable adâ€" difi@h to the squadron of Britâ€" ! ish Snd French eruisers . now guarding the â€" Atlantic trade routes. She has a complement of 720 men, and in size _ and armament ranks with the Brit, ‘ ish cruiser Drake and the French cruiser Conde, the : largest war vessels on â€" this side the Atlantic. The Niobe ’ will probably be one of the ‘ cruiscts to convoy the first ¢ Canadian troops to leave for 4} per cer protection ‘L"ATE“ BRANGQHE, ao ; ‘ JwOOP RSPEbERYAMimeql!0 W. S. NAYLOR, Asst: Mgr.» WATERLOO MUTUAL FIRE INSURANCE CO Total Assets, 3lst. Dec Dr. J. H. Webb,, Esq. William Snider, Esq. ‘ (Geo. Diebel, Esq. J. L. Wideman, Esq., St. Jacobs, * Allan Bowman, Esq., Preston. * P. E. Shantz, Preston. Thomas Gowdy, Esq., Guelph. . James Livingston, Esq., Badem. * Frank Haight, Esqâ€" P Wm. Snider, President. (Geo. Dicbel. Viceâ€"President. Frank Haight, Managet. Arthur Foster, Inspector. J. C. Haight, Solicitor. C. A. Bochm, District Agent. wWATERLOO, ONT. P. N. ROOS, Sec‘y Treas. England Head Office, Waterloo, Ont BOARH ‘or DIRECTORS cent.. in addition to insurance Incorporated in 1863. Â¥ w'munv\ ; n31 sa# vfk ‘$7504,000.00 _.¢; .. OFFICERS $2070.00 KL00®