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f\ohlunuslons & %juimnoc ; ,\ © ‘The pew policies issued during the | / year numbered 2177 for a total ot | Fufli.zfl, bringing the insurance waém force to 2325 policies for $7.007,â€"| ‘ $86, after deducting all terminations. L s INCOME. | 4 ce Net Assets, 31st ‘‘December, 1920 ......â€"$ 54.554.27‘ Ofess Promiums _‘ preceived =....$159,046.04 C _ Reinsurâ€" \) Ace Prem‘ms 24,003.36 «Mead Office Salâ€" ,,. nfl“ and Diâ€" > pectors‘ Fees C DIsBURSEMENTS peéath Claims..$ 6,500.00 Advertising, Ofâ€" fice â€" Supplies and Maintenâ€" alance Incorâ€" poration Exc. 27,030.50 0on, February 13th, knew beâ€" imad that the Company bad I a very successful year; but @ll meaning of the Company‘s vements was strikingly shown the various reports and by the rers. all indicating that never ; n :Interest Sh‘mn ’m >3 o C * <Ontario Equitable‘s Progress , _ We have special prices on a large number for the farm home. ,, ”Wo have everything in furniture and can meet any price that any mail __-v"*' house offers. b' Kitchener Furniture Co. Ltd. w at the Second Anâ€" Miscellaneous: ting of the Ontario Exquitâ€" Licenses, Taxâ€" & Accident Insurance Com:â€" es, etcl ....> d at Waterloo on Monday| _ . _ _ wae T FURNITURE wl Big comfortable casy rockers made of solid oak *guality of imitation leather. special price at $10.76. Why not tone up your living room with one of our cofmortable Chesterâ€" Hields. We have them at prices from $50.00 up and they are serviceable and attractive. | REPORTS PRESENTED SHOW ‘A RECORD MAKING GROWTH DURING 1921 Exp.. 101,103.05 rees.. â€" 7.121.09 135,042.68 96,100.00 9,244.55 16.467.81 24,038.67 Insurances in force over seven millions . FOR $240,387.26 $294,97 1.53 Balance Net Ledger As sets. 31st Dec., 1921.... 107,715.55 1 cess Liabilities ‘The total liabilities, including policy reserves of $64,103 and paidâ€" up capital $102,000, amount to $189,â€" 664.48. Surplus The gross surplus security to polâ€" icyholders is $180,383.28, and the net surplus over all liabilities and paidâ€" up capital is $78,383.28. Agency Staff The success of the Company has been in a large measure due to the fact that we hbave an experienced Agency Force, who have had many vears‘ experience in the Life Insut ance business. Head Office Staff years. §Audlton' Report | , _ The books of the Company h.nvel i been audited quarterly by Messra. |J. and J. F. Scully, and their certiâ€". ficate is submitted herewith. ‘ \_ The retiring Directors are: g. C. Tweed. J. A. Martin, Aloyes Rauer, J. C. Breithaupt, Jas. Valentine, Dr. y T. Wallace, A. R. Kaufman, A. E. Hulet, E. C. Mitchell, A. E. Silverâ€" wood, Dr. J. W. Brien, Hon. F. C. liggs Senator H. W. Laird, Ed. Irâ€" win, W. E. Long. all of whom are cligible for reâ€"election. ‘ Respectfuily submitred, 1 sYDNEY C. TWEED, President. During the year Mr. M, J. Smith | was appointed to the position of Secretary, and Mr. A. J. Huenergard. BA.. F.A.S., to the position of Actuâ€" ary. The Head Office staff has been increased to fourteen people. As an indication of the efficiency of our staff it muy be of interest to menâ€" tion that their average experience In life insurance work 1s nearly seven of the cost price COU 4,994.95 $187,255.98 $294,971.53 Fine large quartered oak sideboard beautifully figured wood, golden polâ€" ished finish, two cutlery drawers, linen drawer and large cufiboard, suitable for a large farm kitchen, Special price $45.00. werlence' New Duslnmâ€""Notwmut&ndln‘ y seven | the adverse business conditions preâ€" vailing during the year 1921, a numâ€" ber of the Canadian Life Insurance y have|Companies were able to make subâ€" Messrs.|stantlal gains in new business over r certiâ€"| the previous bauner year of 1920. â€" l "On December 31st, 1920, we re < 8. C.| ported Insurance in Force of $1/ ‘ muer,loss.soo. as the result of five weeks‘ ine, Dr. I operations. We have now complemd‘ n. A. E.| our first full year and can report Silverâ€"| $7,007,186 Insurance in Force, after o. F. C.| deducting all terminations. This is Ed. Inâ€"|a record which *we feel proud to iom are lknow stands as a memorat%nchieve- ment in Canadian Insuranc annals. ud Ts woue CS Wt _ A number of the Directors lnllyr} ‘d various features of the Company‘s mY TRADE itatement. Mr.J. A. Martin pointed out the good quality of the Comâ€" s s & any‘s investments, and characterâ€" Of amdes Of furmt’“n sultable fed the interest earning of 6.44 per ‘ent. for the year as the ‘"highest A ate obtaindble on the highest class _ocommmmmnnmmemmmmmemsmeememensmmmeatetenammmemmaiammmnnmmenpmematen f securities." ‘ Reports were also submitted by | the Actuary, Mr. Huenergard, detailâ€" ‘ing the nature of the Company‘s business, and by Dr. Hilliard, the !Modlcal Director, showing the perâ€" lceme of applications favorably INTERESTING !TEMS coNnâ€" CERNING THE ONTARIO EQUITABLE Insurance in Force, $7,007,186. YÂ¥otal Assets, $268,048; Sur plus, $78,383. passed on and the method of rating the impaired risks. PRESIDENT‘S REMARKS Mr. Tweed dealt briefly with some of the outstanding features of the Company‘s operations. He said in Company‘s record for New Business in first year unequalied in Canadian Life Insurance Hisâ€" tory. Practically all of Company‘s fiel#force and Head Office staff have had long insurance trainâ€" Ing. Ontario Equitable contracts Is sued with valuable Disability, Double Indemnity and Dismemâ€" berment Provisions. Ail Insurance on Nonparticlâ€" pating basisâ€"that is at guaranâ€" teed low premium rate. No unâ€" certainty as to cost of Insurance. Company has wide connecâ€" tiong with many Canadian and American â€" Companies. Nearly $2,000,000 _ reinsurances . from these sources. Special Featuresâ€" 1 De Equitable confines its bt the Nonparticipating plan and upholstered in good ONT EQUITABLEâ€"GAL â€"‘The Ontario its business to + plan of Insurâ€" “_l Hon. . C.\Biggs was ipressed | struction in * . M by the very nigh catibre of the men with press® 3 oo n «on e xn on Hioucen Vss merednamant ance, because its exepcutive officers believe this form of low cost insurâ€" ance is coming: into greater demand on the part of the public, in view of the gusrantee of low premiums, its simplicity, and the absence of all uncertainty as to cost. ‘‘The Double Indemuity and Douâ€" ble Disability Provisions included in the Company‘s policies are proving very popular. The ploneer work of the Ontario Equitable in introducing and making these featyres available is rewarded by $2,845,380 Business in Force on the Double Indemnity basis. If this is added to our Total Insurance in Force, we have & Grand Total of $9,852,566. Death Claimsâ€"‘We are‘ fortunate in having experienced Death Claims for ouly $6,500 since organization; indicating a sound discretion in the acceptance of risks on the part of our Medical Director. Expansion and 1922 Businessâ€" ‘"The Company is now operating in the Provinces of Ontario, Saskatche wan, Quebec, New Brunswick, Nova Scotia, and the Dominion of New: foundland, and has an agency orâ€" ganization equal to the best in Canâ€" ada. "The members of the Agency Staff have been with the Company on the average of about six months, and during the year 1922 there should be mo difficulty in doubling the insurâ€" auce in force without increasing the Agency Staff. "We are glad to have with us to , day a large number _ of our uenui from Ontario, Quebec, and the Mariâ€" time Provinces. ‘ Advertisingâ€""The Ontario Equitâ€" | able is the first Canadian Company | to carry on & vigorous advertising | ‘campalln from the date of _ its orâ€"| ganization. _ This ‘publicity has | brought the policies of the Compnnyl to the favorable attention of lllllll"} ers and has been the direct means| of securing a very substantial volâ€" ume of business. { Stock Dividendsâ€""Although . the stock was subscribed for upon the understending that it might be five years before a dividend was paid, the Directors feel that if the morâ€" tality continues as fayorable in the f coming year as in the past, and gonâ€" j oral business is good. a small diviâ€" | dend may be paid in 1923." Hon. Senator H. W. Laird, of Reâ€" gina, in seconding the adoption of the report, felt that the figures spoke for themselves regarding the Comâ€" pany‘s brilliant succes@. The Death Claims had been only a fraction of the expected. The cost of securing the business was low, and contrasted most favorably with that of long: established companies. . The Comâ€" pany had quantity and qunlity-â€"both‘ ‘btained at a very reasonable and ‘ow cost Nor bad the Company jeopardized its Inmrub by writing too much business. The fear some may have felt that this was so, could be set at rest by the fact that "no company has ever been known to go broke from doing too much business."" REVIEW OF COMPANY‘8 WORK Mr. E. C. Mitchell, of London, comâ€" ared the Company‘s rate of growth vith that of others. The Qntario Iquitable had done in one year what ther companies had in cases étriven | ifteen years to accomplish. ; Unfortunately unable to be pre ent, Mr. J. C. Breithaupt, Viceâ€"Preâ€" ident, had nevertbeless prepared an inalysis of the Company‘s Investâ€" neuts, showing on a percéntage basis the amount of Dominion, Proâ€" vincial and Municipal Bonds held, ind the increase attained by these 5ver the purchase price. Mossre. Valentine, Hulet, Bauer ind Long, Dt Jany, spoke in ho Mapageme he field force sENATOR LAIRD MPREBRVMEW OMR NT CCC At »mmnm-um-.cmmm.nmum mmmm«mgtfi_,fl\umwu Directotrs of the and representatives in the work of the Company. Touching onrtho 1@- ing remark that in including the Hon. F. C. Biggs on the Directorate, the Ontario Equitable had opened its doors to the U.F.O., the speaker said he "did mot thimk that the agents of this Company could look to a better source than to the ywu‘ stalwart farmers of this Province| of Ontario. This is because these people are conservative in disposiâ€" tion. They know and figure their Income carefully, and they are not likely to buy insurance that they will not carry through to the compleâ€" tion of the payments. Our hnnu." he said in conclusion, "can be well advised to look to these soms of the soil for a large portion of their 1 business." Mr. Diecbel, the President of the Waterloo Mutual Fire, joined in the praise of the Company‘s Agents as a clean, vigorous representation. He told of the small beginnings and early struggles of Waterloo‘s first companies touched on . the Equitâ€" able‘s rapid strides, and from his experience expressed his faith that "a company started in Waterloo would succeed." ‘The entbusiasm of the field men was revealed in their speeches. They did not fear tompetition or obsta‘ cles. They were working for "the best company in the world," and Mr. Baker, Toronto, said the "bigâ€" gest," since Head Office coâ€"operaâ€" tion was so thoroughly helpful. They had successfully started a new comâ€" pany, had successfully®* competed with oldâ€"established companies, had put over Seven Millions on the books, apd would attain their quota for the coming year. Messrs. L. Swartz, Hamilton; R‘ T. Irwin, Woodstock; J. ‘H. Teakle, Brantford; G. T. Baker, Toronto; Edwin Irwin, London; 8. V. Freeâ€" man, Halifax, delivered brief ad dresses. "I am no speechmaker," said one, "but I can write a little life insurance." And be promised $1,000,000 for 1922 from his District. Following the unanimous adoption of the reports, Messrs. J. & J. F‘.W Scully were reâ€"appointed Auditors, | and the following Directors were reâ€" elected: S. O. Tweed, J. A. Martin: Aldyes Bauer, J. C. Breithaupt, Jas. Valentine, Dr. W. T. Wallace, A. K Kaufman, A. E. Hulet, E. C. Mitchâ€" ell, A. E. Silverwood, Dr. J. W. Brien, Hon. F. C. Biggs, Senator H. W. Laird, Edwin Irwin, W. E. Long. â€"â€" ‘The meeting was very well attendâ€" ed and enthusiastic throughout. In addition to the Directors and local shareholders, _ Agency _ representa: tives were present from many cities bec, New Brunswick and Nova Scoâ€" tia. AGENTS ADDRESS MEETING At a meeting of the Board after the general mesting. Mr. Tweed wn{ reâ€"elected Prosident and Messrs. A. Bauer, J. C. Breithaupt and Senator Laird, Viceâ€"Presidents. About thirty of the District Manâ€" agers and Agents remained until Tuesday to attend a conference of Agents, at which interesting discusâ€" sions were engaged in and plans deâ€" veloped to coâ€"ordinate still further Head Office and Agency work, with a view to increasing the Company‘s efficiency and developing its scope. Another Large Motor A permit has been issued for anâ€" other .large motor sales building on King street east. . This is the $18,000 garage, showrooms and reâ€" pair shop to be erected by the Kitchâ€" ener Motor Sales Company on tha site of their present building, 126 King street sast. stories in height on a fiftyâ€"foot front Age, the upstairs being into a modern living apartment. Downstairs, everything will be titâ€" ted up for one of the most modern ‘The front will take the form of a tback the garage 404 ;rapair 70094 | were brought The entire will He of concret» ©08=| dress being a Sales Building to be Erected Shortly Carl Ahrens Was Arraigned at the Ausizes 4 M‘MW"MMM _ _â€"â€" derâ€"Crown Gordon Waldron es the Juryâ€"Depend Upon Explanation of the â€" CROWN MAINTAINS WOMAN WAS HELD UNDER WATER UNTIL DROWNED A True Bill was prasented by the Grand Jury when the Abrens case was resumed at the Assize Court under Mr. Justice Latchford shortâ€" ly after 9 o‘clock Tuesday morning Ag on the opening of trial Mon: day crowds thronged the . buifldâ€" ing, unable to gain admittance to the courtroom. ‘The prisomer was brought in and arraigned _ immediately . following the reading of the indictment. He pleaded not guilty and upon being asked whether he was ready to stand trial, responded "Yes, sir," without hesitation and @n a clear voice. Not Worded Properly. At this juncture it was polnted‘ out to Crown Prosecutor Gordon: Waldron, K. C., by R. L. Bracklin, K. C., of the defence, that the inâ€" dictment was uot properly worded, it conveying the impression that the drowning had occurred in the city of Kitcheners The Grand Jury retired once more and brought in & fresh indictment, altering the wordâ€" ing to read "in the township of lWaurloo, in the coumty of Water 100." This was then read to the prisâ€" oner, bis replies being made as before. The Grand Jury were then allowed to leave the courtroom to attend to the inspectional duties asâ€" signed them while the selection of: © petit jury for the trying of the case then proceeded. ‘ Many Jurors Chalienged This required some time, fifty: three names being called before a jury acceptable to both Crown and defence was secured. The defence challenged some twenty of those called, the final jury selection beâ€" ing as follows: Roy Donaldson, Galt; Thos. Wood, North Dumfries; Wm. C. Barrie, North Dumfries; W. V. Denges, Preston; Thos. E. Hope, Galt; H. O. Weiche!, Elmira; Jas. M. Gillies, Preston; Normâ€" ap Dahmer, Woolwich; Thos. Brown, Wilmot; Thos. Ballanâ€" tine, Preston;, Edward Koebel, Wellesley; Robert Bean, Wilâ€" mot. Reviews the Case. & ‘ Crown Prosecutor Waldron â€" adâ€" dressed ‘the jury, giving a detailed resume of what is alleged to hnva‘ transpired on the 16th of Novemâ€" ber. Beginning with the trip of Ahrens and his wife to the river he traced the incidents as brought out in the preliminary bearing, saying that the Crown was depending upon the prisoner‘s statement as to what took place from the time they took possession of the punt up to the time when assistance arrived after the drowning. â€" No Blows Struck. ! "The Crown," he stated, "will not present any evidence that this wo‘ man was struck or rendered In-en~l sible by a blow for there is no such evidence. The Crown says that she was drowned in the river and that her busband was the author of that drowning. The Crown will argue upon the testimony &given that this young woman was taken down there for the purpose of murdering her by a man who knew every inch of the river in the vicinity to which he was taking ber. He must have selzed ‘her and held her suspended under the water until she was drowned." Going back to a probable motive for such a crime, Crown Prosecu tor Waldron outlined the earlier married life of the Abrens ccuple, referring to their separation. the fact that Ahrens did not agree to his wife‘s efforts at reconciliation and that he bad secured advice as to the steps necessary for the se curing of a divorce from her. Passing aloug. he pointed out that â€" while Abrens had been still thlnk-‘ ing of the divorce question early in | the year, in October of last year he decided to efWfect a reconciliation. Going on still further he spoke of Mrs. Abrens‘ visit to Kitobamer and of the relationship existing between the two during ber stay bere, comâ€" menting on the fact that immediate« ty upon her arrival in Kitchener, before she had time to wash or eat, she was taken at 10.30 o‘clock at night to an insurance agent to have an application made out for life inâ€" surance upon her life, in favor of her busband and that the very next day she was taken to the doctor for the medical eramination. Mr. Waldron‘s address occupied over ffty minutes, beginning shortâ€" ly after ten o‘clock and lasting un U1 10.50 o‘clock. . No new details beliig a summing up of the evidence as given at pre was the frst withess to take the stand, being called by the Crown M‘ the purpose of identifying certain maps of the district made by him and giving various measurements of distances in the neighborhood of the drowning. On pearrag his evidence the maps were produced as exhibits as were certain photographs of the vicinity which weer likewise identiâ€" fed by Mr. Jonnston. Technical Evidence. Further technical evidence was given. Ernest A. Snow, land sur veyor, offered explanations of nketches he had drews, showing the depth of water where Mrs. Ahrens met hber death. . Ernest Denton, ’phowmpher, also testified. James H. Matthews, Carleton Place furnt { ture dealer and undertaker, attested | that he had known Carl Abrens \when the latter lived theré. Cross examining Mr. Matthews, the deâ€" i fense counsel asked if be had opporâ€" ‘tunlty of forming an opinion | of ’Abren‘l character. The crown ob Ijected but the judge permitted the | question." > _ "I knew him in a business and personal way," said Mr. Matthews. "And what was his reputation in Carleton Place?" asked Mr. Brackin. "No particulars," warned . His Lordship. "Good," answered the witness. ‘ Levi Seibert, local undertaker, told of embalming Mrs. Abren‘s body on the pight of the fatality. He had. been called upon in the usual course of time and had partly undressed the [body. noticing little out of the ordinâ€" lary. Marks around Mrs. Abren‘s imouth had been caused by a pulâ€" \motor he had been told. The bair was bobbed but not . dishevelled. "What became of her skirt and outer clothing?" questioned the Crown. "We burnt them." "Well, that is usual." Witness said be bad only noticed a fur coa.tl in particular which deceased . had been wearing and this he hung up to drip and later sent to the furrier. Answering & query by the Crown, &witnou sald there was nothing to indicate that the woman had died Courtroom, upper corridors, stairâ€" way and the main cogridors on lhe“ lower floor of the County buildings. wers crowded _ on Monday when the Spring sitting of the Assize Coyrt â€" opened under Mr. Justice Latchford. _ When the roll of the Grand Jury was called it was found that John Taylor, Jr., was not presâ€" ent. In his absence it was necessâ€" ary to select a man to take his place Wm. Scheifele was called . upon. The jury then retirad to select a foreman, Geo. E. Fisher of Galt, beâ€" ing chosen. IMMENSE THRONG OF PEOPLE ATTHECOURT HOUSE WHEN SPRING ASSIZES COMMENC On their raturn to the courtâ€" room they were addressed by Jusâ€" tice Latchford who said in part as follows . Only One Criminal Case ‘"‘There is but one matter of a criminal nature to occupy your atâ€" tention at this court but that is of the most serious nature that can occupy the attention of amty Grand Jury. The charge is one of murder, that is, that one human being kil}â€" ed another without justification or excuse, k{lled that other person mal iclously. I "There were no witnesses to that & act excapt the accused and the per _ Th som he is charged with killing. It Ke | was dgone at night in a‘lonely place . Jo and the only one alive to tell what of 8 , happened that night is the person Chu: charged with the crime so that it is and from a number of _ circumstances C# and not from the mouth of any wit L4d. ness that the Crown, representing T ‘the people, sees to bring home this Ltd. Adg té the persob accused. / ‘ _ The \Wadbeen married seyen of . Al "From what 1 can gather the case .. is one of murder of mothing crimiâ€" nal. In some cases where one kills another the act may be loss than murder as when the deed is c@M» mitteed from some negligent act or by an act of passion. Here the case is murder or nothing. The person charged, one Carl Abrens. is chargâ€" ad with Naving murdered his wife‘ on the 1§th‘of Novembér last. \fries Reviews Case. was ‘put under guard after ment, many fewaining iN °00 PVR hour in the hopes of gaining . trance for the afternoon sitting. . ua.ammnmw lorlg wais talled to the: stand. H® was the Ottaws physician Wwho perâ€" ;mu.mmm_-_b&l of the body at Carieton FiAP® OB« its oltvuuuan two weeks after burisl. Owing to the action of the embaiming fluids he was unable to arrive at definite conclusions on corâ€" tain points. f At this point, interruption was made to hear the report of the Grand Jury who returned at this time. _ They reported inadequste lavatory -mmmodatlom generâ€" al delapidation at the of Re fuge. They recommended that be fore any steps are taken by the County Council to remodel or P# build the present buildings that the | Kitcheuer City Councll be approschâ€" ed with a view to securing a bDMIl: ing for the joint sccommodation city and county offices. Jury is Commended. ; Mr. Justice Latchford commented favorably upon the highly pratticsâ€" ble suggestions and recommenda« tions including the one mentioned in the foregoing paragraph. He exâ€" pressed astonishment at the inforâ€" mation contained in the . report to, > the effect that no Provincial Ofâ€" cers had inspected the jail for sevâ€" eral years. He stated that copies of the report would be forwarded at qnee to the Provincial House of Refuge Condit! Speaking of the references to the House of Refuge as to quate accommodation for the wolk; en housed there he stated that this, would be placed with the County; Counci{l with the hope that they _ | would take action. * The Abrens case was then resum ed, the doctor again taking the _ stand. He mentioned seeing the ‘.. several small superficial marks lfl‘i’ on the face and head told of at t inquest. cight years ago to a girl who then lived with ber parents at Carleton Place near Ottawa. Differences are said to have arisen between Abrens and bis wife and they parted, he going to various places and she back to her father‘s home. It is said that in this interval be contributed nothâ€" ing to the support of his wife. He Is said to have consulted counse! as to what means he could take to be rid of this woman by means of divorce. These are the things that I am told will be laid before you. "3o there you have indifference, antipathy, bostility betweén Abrens and this woman. However, marr led people sometimes have differâ€" ences and make them up and it is waid that there was some effort at reconciliation between these parties. "Abrens went to see his wifé at | Carleton Place. He did not greet her in the affectionate way that a 5 man separated by years from his [ wife whom he had sworn to cher » ish ordinarily greets a wite There | was no embrace & Bix Cases on Dockst, case was composed as follows:! Wilfred Brawster, Hespele®®, Alex Chalmers, Wellesley. * \‘ Herbert Dougherty, Welle B. Dewar, Wellesley,. > J. Dands, Galt, _ ] % Oscar Vogt, Elmira J. T. Wildman, Preston, , Frank Zettal, Kitchener. ‘The nonmjury cases are &# fol Karl Miakowsky vs. Bertha i ;oh L. Fuller and othar of St. John‘s Evangelical Church of, Baden vs. L&® © and others, also of Baden. The Robe and Clothing Conrad Gies, m Louis Lang, w Harry Toltem, KitchebeÂ¥. John Tayler, Jr., North