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l diltiiiiiiiiri'rmititiAtil _til" 's:"." "iii"' Lthi tttiiiliiiil' l" 'it/tlt,! Sound Progress iii'rttaal,!il:ii,'i',ij'l,'i, EXPENSES. ---Head offlee and Agency Expenses. apart from Com- missions, were $193,836.74 com- pared with $214,486.48 in 1982, a satisfactory result in view of the increased business written. PAYMENTS TO POLICYHOLD- KRS-pa ments to Polieyho1deris and afdh'iel'r'llil totalled 8814,- 749.26, an increase of $39,954.90 over 1932. The mortality was higher than in 1982, the rate being 49.7% of the expected. Total pay- ments to Policyholders and Bene- ficiaries since organization of the Company are $4,534,000. 1NC0ME.--The total Income for the year from all sources amounted to $t,605,432-,68. The Premium In- come was $1,201,975.10 (including $30,547.64 annuity premiums). This net rate of interest earned on in- vested Assets was 5.44%. IN8URANCES.--D u r i n g 1988 new policies were issued and old policies revived numbering 1,224 for $3,923,278. In addition, during 1933, 78 annuity contracts guaran- teeing annual payments It 867,- 038.96 were written. New and re- vived business showed an increase over that of 1932 of $371,498. but if there were some adequate way of expressing the annuity business in terms of life insurance, the total increase would be 'g,'rJ,"'e'tt:re, $1,000,000. Total polio es in force number 19,256 for, $44,022,817 of life insurance, In addition we have in force 74 annuity contracts Cuar- anteeing annual payments of $64,- 008.48 to the annuitants. Waterloo, February 6, 1984. To the Shareholders of The Ontario Equitable Life and Accident Insurance Company: Your Directors have pleasure in submitting the Annual Statement and reports of the affairs of if“ Company for the year ending ec- ember 81, 1938, and beg to report as follows: "We are well 'g,fgtrl to meet the future with con ence, and I cannot pay too high a tribute on behalf of the Board to the Head Office and Agency Stairs for their loyal and efficient service through- out the year." Mr. Dunning presented the Direc- tors' report as follows: The resulfa emphnsized at the Annual Meeting ot The Ontario Equitable Life at Waterloo on February tr were the increase in new business written, the reduction in terminations and the excellent strengthening in the Company's intrinsic financial positidtt. _ .. "The Direetom' report und' ttnan- cial statement are attain gratifying evidence that our Company has no only played its part to the full in relation to policyholder: during these ditBeuit times, but has also steadily strengthened in petition. _ “As our people become more pros- perous. the memory of the vital part played by life insurance during the time of extreme difficulty ensures an ever-expanding field of useful- ness and opens for our Company opportunity for steady expansion of business. 1n “droning the shareholders, the Ptestdent, Hon. Chas. A. Dunning. said in part: "As the world struggle. on tire, waver economic enme- than ave ever before been expiri- enced. the factors which help man- kind in such crises stand out over more clearly, and it in not too much to say that the great eo-operative ro- serves of Life Insurance. which have been drawn upon more largely than ever before, have been tl',ugrtttf, single helpful factor du tur the economic crisis, and this is especially true of Canada. "A more hopeful spirit in abroad in the land than when I last “dren- ed you, and alonf many lines Im- provement is visit, e. In Canada our national prosperity is dependent largely on successful operation of our primary industries, of the farm, the mine, the forest and the sea. Improvement in these industries is slow, but prospects for 1934 are distinctly better than in 1988. chka at Market value...........-......, Cull on Hand and in Banks................ Onmnghgg Premiums Duo and Do- luau-t Duo ind AiGuiry..r.r.r.r/. Alt Other Alon. ............................r.t. Mortgages on Real Estate, Agreements for Sale.......... Loans on Col1tttertth..., Loans on Policies..........., Bonds and Debentures at Amortized Book Value o.-................." Lean Dtst)Npne, of Market anue un- der Book Value of than ln default ........ Interest, Itividends on Stocks, and Rents "'"r__.rrrsr.r..__r.r.r.rrrt.....r...w......r... Profit on. Sale of Investments......,,.."... Other Income ""'r........mmmmm..ws.-tt.wr..........._ Supplementary Contracts _'w..C.ar...._w.r... Real Estate: office Premises .--..4200,990.17 Other (Held for Sale”) 92,939.57 Premium Income _..'..... Annuity Considerations, Lops living“ Nance magma -,C.V.CC...T,.U..C.T.. Told M "e..-...-.-.,......-"." Total leph FINANCIAL STATE M ENT Directors’ Report NEW BUSINESS, ASSETS AND SURPLUS INCREASED For The Year Ending Decembgr 3Ist, 1933 ASS ET! INCOME $2,922.805.26 $1,244,662.63 ' 30,547.64 1,275,200.27 78,225.17 825,916.74 Total Disbursements of 81,150.- 878.04 left us with an Excess of Income over Disbursements of $454,654LG4 for the year. The mag» nitude of this excess is of consider- able importance to us. for we em- ) DISBURSEMENTS. - Payments I to policyholders were $814,749.26 in _ 1933, an increase of $39,954.90 over 1932. Death, Disability and indem- _ nity Claims increased by $82,125.54 but Surrender Value payments de- creased by $12,849.48 in 1933. Payments to Policyholders and Beneficiaries since the organization of the Comgany total $4,634,000. Our Head Mee and Agency Ex- nenses show a reduction of $20,- 649.74 for the year. We report a Loss on Sale of Investments (prop- erty and bonds) of $47,797.05. In taking this loss we eliminated cer- tain assets which were subject to ftttlterplyyyeiuion. - - The facts which stand out from the details of our 1988 operations are (1) the improvement with re- spect to both new business and tar- minations, (2) the fine strengthen- ing we have effected in our intrinsic financial position and (3) our ability to progress in the face of difficult economic conditions. INCOME.-0ur total income was well maintained at $1,606,482.58, cggpated with $1,683,312.03 in l 2. Review by the General Manager Mr. M. J. Smith Directors .,rr'f,,i,rritmi, by rotation are: Messrs. Herbert egg. J. C. Bren- haugtl, J. C. Hwht K.C., Senator H. . Laird, , it. Long, J. A. Martin, E. C. Mitchell. Five Direc- tors are to be elected. Respectfully submitted, CHAS. A. DUISNING, books of the Company have been audited regularly throughout the year by Messrs. J. F. Scully, CA., and R. P. Ufremtann, CA., and their eertifieate is submitted herewith. CAPITAL AND SURPLUS. - Capital Paid-In is $655,305.90. After providing directly for possible depreciation and setting u also an Investment Reserve of £175,000, there remains a Surplus of $70,- 471.64 over all Liabilities and Capi- tal combined, an increase over the Surplus " the end of 1988. diNealtiea of 1982, the growth of the Company In 1988 has been en- tgnti,?,ri Both our Head Office and el Staffs are imbued with the idea of building soundly while ad- vancing our position. At98ET8.--Our Aucb “and It $8,608,776.18. " 111mm of $808,- 268.78 om 1932. A divinion ohm Mona-Isa £91.. Bond: Ind Debem tum 8 ' Policy Loans 1%- Dut- tt 1988 new investment: tt a par " ue of $465,979 were made ex- clusively in the highest nude of Cnnadi-n aeearttietr, chiefly bonds ot the Dominion Government, and of a number of the Provinces. have increased our Reserve mint possible loss on investments to the good figure of $175,000. We took a loss in 1988 of $47,797.06 on properties and securities sold. but thereby strengthened our 'portfolio by the elimination of weak invest- ments. Besides, we wrote various Assets down by a further $114,889.- 65 in addition to the write-downs made in previous years. Our pur- pose has been to strengthen our in- vestment position by marking down present holdings on the one hand and adding the best selections on the other; our accomplishment in both respects has been considerable. ”WIVES I" 9|,uvn,o~u of 8382,7(6 over 1ir82, ,e,el,YgW'iai4.',ttt"ao,,'r Policy Repay-vain: 87.592334}, an octane 8t 305.4383! 2,596,948.62 52,277.00 106,105.78 259.985.1‘ 801.1993; RETIRING DIRECTORS. - The 298,989.74 8,346,812.48 34,448.36 23,800.00 1,699,860.66 GENERAL.--" contrast with the AUDITORS' REPORT. - The INVESTMENT RESERVE.+We 1,201,976.10 392,697.09 204.69 1.804.65 8,761.26 "MEiik Policy Reserves Aeeordintt to Statu- tory Raqaltrtunenta o..........................-,)" Reserve for Unpaid and Unreported Claims _""""'"'"'".""'"'".""" ......... 89,800.00 Policy Proceed: Left with tho‘Gom- runny, Including Inureat Accumu- muons b..........................................'.. 27,281.81 Premiums P-id in Adiee............., 15,816.71 Agents' Credit BttlantNm......,.............. 4.25062 Tues Ind Emmet. Due andl Accrued 22,500.00 Investment Reserve ...m.r.m.........r.r._..wt...' 10,000.00 Other Liabilities ........t..t........r.._.e........ 4,497.60 shyly] Paid In...........,................., 685,305.00 Taxes. Licenses and Fees..........,...., Agency Commiuiom '....mt....._F.._mrF.. Head OMee and Agency Expenses Lou on Sale of Tmrs.ttntsnt4r......... "ig/il? to Policyholders eath, Disability and Indemnity Claims ....$807,756.78 Policies Matured and _ Surrendered ...Fr...r.'... 501,907.69 Dividends on Reinsured PoIiciei....,...............C. 3,981.51 Supplementary Contracts 1,103.33 Sukln; Toul thmuo. ....... Total Dlobunomonu Preside/nt, I. J. SMITH. 0000”! M-e. DISBURSEMENTS Policyholdan .__ 580,328 314,740 Head oftic. and Agency Expanoeo 322.842 198.837 Insurance in Fore. 53,817,!” “MJI7 The decrease in Insurance in Force is, of course, an unfavorable factor. The explanation is that un- employment and loss of income have caused people in larger numbers to lapse and surrender and have slowed up the writing of new business. These factors have been felt by every company. In due course the Insurance in Force will attain in- crease. and during 1933 we wrote more business and suffered fewer terminations than in 1982. Our Agency Department continues to add able agents and we are pressing for increased business of a qullity which will reduce suimequent ter. minntions. Standing by themselves the figures in the three year comparison 1930 Anal- ._Pr.Ve..P.P_r.F.... ‘1,B|0,481 Policy knurvu .... 0,230,665 Plymenu to REVIEW.-" is fitting at this time that I indicate what the Com.. pany has accomplished during the paat'few years of business recession. The comparison touches essential items and if the progress and im.. provement shown could be won during three hard years, a confident gaging for the future is well justL e . RE8ERVE.--rneiuding the Loss on Sale of Investments we made pro- vision for depreciation in Assets (Property, Mortgages, Bonds and Debentures and hooks) of $162,- 136.70 in 1933, and I am glad to report that we were able to do this without drawing on our Investment Reserve, which we have increased to $175,000. Our Surplus over Capital and all other Liabilities combined is $70,471.64 compared With $61,- 564.38 at the end of 1932. Our re- erve for depreciation of Bonds and Debentures it $25,000 in excess of government requirements. LIABILITIES Mortgages decreased in amount and now constitute 39% of our total Assets compared with 42% in 1982. Policy Loans were higher at the end of 1988 by $187,666.18. Our Bonds and Debentures owned showed an increase for the year of $817,484.90, after provision for de- preciation. Stocks are only a small percentage of our Assets. LIABILITIES. - Policy Reserves were increased by $882,746 over 1932, standing at the total of $7,592,346. We have made ample provision for other Liabilities. ployed it to $0“ advantage in the purchase of t e very highest grades of Canadian securities. Thus we show an excellent liquidr position and we are enabled comparatively rapidly to strengthen our portfolio of securities owned. b'y $368,258.73 over 1989, dttisr allowing for depreciation. Properties held for sale show an increase in amount. A further $5,000 was written " Head Office premises. JiUp'LUS AND INVESTMENT ASSETS. - Our Assets increased HON. CHAS. A. DUNNING President. ............$O,m17l.ll ,3; 'itj'lt,i',? egg-2;; yi,ef',', ....8tmro,ar8.o4 27,281.81 16,816.7 1 4,266.62 22,600.00 10,000.00 4,497.60 685.305.“ "Art." 814,749.28 27,059.70 67,t86.28 198,888.74 47,797.05 “806.175 1.692.340 WON OURLINO ”It. Prod H_d'irtttt on Saturday afternoon won mo in“, Mutiny. Each number of tho that L"'Wit "In“ with cum noon: " rm o. Ltphardt, R. Berry, A. B. burn and P. W. t The Misses Kalle and Clara iSchwamz ot Bay City, Mich., spent Saturday with Miss Florence Bau- _man. FARMER KICKED BY HORSE Suturing from a fractured leg caused by a kick from I hum on Mona?! " his farm " R. R. No. 2. New nmhur: In Good I: in the Kay]. Howigai. 1!: ' resting " well u a; "irreratijietGi. Minus Emma, Erma and Edna Lebold of Wellenley were Flesh of Misses Gladys and Chn and, on Sunday. _ 7 y,,th7t,'f for some time at Topging. an in Clan Yum, who has can at St. Agatha the put year. return- ed home Int week Ind no vUittne their mother, Mrs. J. Yum. _ Mrs. Melvin Hummond returned home on Saturday after trending the past week with her coua n, Mrs. Carl. Porter, at Kl_tchenor. - -__ Miss Gladys Yutzl, who has been engaged by Mrs. Shantz, near Waterloo, left on Monday to assume herpew duties. _ Mr.Und Mr. Goor a Albrecht and "hildren spent Bumfny at Mr. Sam Bry!tneqttut'ir. 1eCrorshlll. - Mrs C. Schmidt returned home on Saturday after spending the past two Weeks at the home of Mr. and Mrs: 0.pyltrnid!, ne_ar Hampsteyd. Florndale Hawks defeated Kitch- ener Lloyd and Frnnlm by 9 to 1 at the exhlhmon game played In the El- mira rink on Monday‘ovenlng. A number of young people enjoyed a slelgh riding party to the home ot Mr. and Mm. Brubachor. fourth of Peel. Sunday evening. Miss Lena Martin left Thursday tor the home of Mr. and Mm. Ismael Marlin, Conestoga, where she will spend the eprlng and summer months. The February meeting ot the Ker stone Literary Society was held at the home of Mr. and Mrs. Levi Homt, Elmira, last Friday evening. Mablon Snider was chairman and opened the program with a ehort song service. After the hymn, "Let the Lower Lights be Burning", Miss Vera Koch read the scripture lesson, Matt. 6: 16. Prayer was offered by Mahlon Bur der. Miss Mabel Martin had charge of tho readings! the minutes and the roll call. Hymn. “I shall Know My Redeemer." Miss Florence Zieg- ler gave an interesting may on St. Valentine. ”Musical selection, “Mother's Prayers Have Followed Me." A recitation contest followed and proved to be of much interest. Those taking part were: the Misses Mildred Martin and Mary Horst. Messrs. Nathaniel Horst and lease Brubachor. The contestants recited "The Arab and the Steed." and Mine 1 Mary Horst was declared as the win- tter. A vocal duet, “The Guiding Hand", by the Misses Katie and Clara Schwartz of Bay City., Mich., and a trio, "His Appearing", by the Misses Schwartz and Miss Edna Mugs. salmon were enjoyed by all present. impromptu speeches by the Misses Est-her Burkhardt, Sarah Hoetettier and Arthur Baker, students of the East End Mennonite Bible School,‘ Kitchener. "A bit of Philosophy". by) Miss Beulah and Mehion Snider was‘ well rendered. Miss Beatrice Martin favored with two piano selections. Miss Mabel Martin read the Literary paper. Miss Florence Ziegler was nominated as editor ot the Keystone Chatter, for the next three months with Miss Adeli Snider as assistant. Mr. Clayton Bowman gave the cri. tics report. The next meeting will be held at the home of Mr. and Mrs. Wesley Metzger, Church street, El- mira on Friday evening, March 2nd. The singing of the Doxology brought the program to a close. Mi, aid Mm. Amos Martin or the Three Bridges spent the week-end "ith friends here. M. J. SMITH, General Manager. VA: a meeting of the Directors following the Annual Meeting, Hon. Chas. A. Dunning was re-4Meted President and Senator H. w. Laird, and Messrs. J. C. Breithaupt and J. C. Knight, K.C.. were re-elected Viee-Preisidetita for the ensuing year. . told: wiTiiG :Mnod m 1,ti'l'gt Milan which ,dest, ported a "etm wommic vacuum inn and)“ n: to uk- huvy [mm-ton for mm and. bk loco-s we have tremendo improved our in- tdnllc A.» tun. . Our work has not been eonihted to Imagining curred position by cutting penu- And writing Ameta dayn._ the new lag-um” will mdhallyri 7 - we" ,turvOropiOirCii growing production from it. excellent Excess pt Income over Dis- bursements' we have met all obliga- tions to 'iso"rii7o'iiiai' promptly; there have been no increases to Policyholders in their premium costs, the nature of our contracts guaranteeing them constant rates; we have at the same time been strengthening the Assets which se- cure their policies; we have encour- aging achievements for 1933 in the decrease of Expenses, lowered ter- minations, increased new business and Assets. Our operations general- ly have improved our position most substantially. and we are-encour- aged by the fact that our advances have been made by the application of sound principles in the conduct of our business. Our Earma- tiam, bun reduced to the low.» two in the history of the Company. _ inks "got" ar" 'iaiiiif id" Face}; and princ!pll. 1tur."u in our Auct- has been sou . _9rilsM? OFFICE AND WELD 8TAFFB.---We have recently round- ed out the germane] of on Read Ottiee Stud y the tg."1f"2,t,t, of Mr. P. B. Relyen, RA. " a. Actuary of the Company. Our Held otliee and Field Granulation; have work. ed together Ptg"t for the " vnnnement ot our when. Our F‘ielg “Stud is being exppnded My. Apgon' 'tiizi,rwiurtite been GWii.1t..AL.---WA have had Agn KINGWOOD F LORADALE a: 't,ii2tif'l'ii.tth ftit,'t/ftlfit 16.: 'ii1ij?jiiiiei'u' ' at G,. 2iiii2,iehtegt 'tNt,',',, 1','d Pg GiTiiG7ttrr' 'ic,eterdlr.'tae, In: gamma}: of flrlg't2'n tlsr, n w. n on r l I.": Dr. It. aha. In. Bub all Mn. hum-a “I. Pallets Bruin ot rum. lien. m the no.“ 0! In. W Brain'- mum. Mr. and In. W , of Han Donna. Young “not. WM”. 00min; our tor annual". noun 1 n ed wedding annivemry which not . 5.. pace on away. By daunting the Plath-VIII. rink of onion. unwed by J. B. Snail-h. on MEI-ml, nurloo realm the New I!!! In: “will. The no" In: " to 9. Dr, . 0. Hugh.- t?i.rsp.ed....t.UJoqg a... .whsch thp: "ira"airEfa1uiririk JRi" xiii. le, “a W. L. Eon. Witt TROPHY Waterloo. winners of the “Mot " vlaion of the Twin City hockey lune. have been unwed an M cord trophy emblem-tic of tbs chum nlonship. The! demand the Kitch oner Froddianch and now meet other mm. In the thH.A. Intermo- dlsto puydowns ' The [banks ot the congregation was extended to the pastor, Rev. Mr. Matheson and to Mm Mnthaaon. abo to other members ot the Mona bowl: ad to the departments tor their continued tttttt unto. through- out the past you. A social hour, In charge of the Woman's Minion. followed the meeting. In a snappy game of hockey Bat urday. Erin'- Juniors but the Hub!- umm by a more ot bl and an now tied with the Frenchman In the Ju- venlle Deana Allan Shana, W. J. Cowl; and J. H. Woods. retiring elders, were also reelected and J. G. Brown was elect- ed to an oat the unexpired term of the lute Mr. Water on tho union. H. 0. Mkmle and C. C. Parsons were were mr-turpoftttod auditors. C. Schondalmayer and Dr. Wm. Geiger were elected trustees to till two post lions on the board. BRILL'S TIE WITH FRENCHMEN Dr. W. L. Hillfnrd, C. J. MacGregor, C. C. Parsons, and, George Fisher, the routing stewards. were reelect- ed. Wm. 0. Rae was elected for the unexpired term ot the late Arthur Foewr and George Harper tor the un- dkplred term of the late M. S. Halt. nmn as stewards. All reports submitted at the am nual meeting ot First United Church. Waterloo, held last Wednesday. by the various church orgsniratiories re \mied a steady progress throughout the plat your. Missionary contribu- nuns or First United Church during 1933 exceeded: those of 1932. Rev. Finlay Mathmon, pastor, presided and Thott. Hilliard acted as more tary, misled by R, 8. Bean. - "iiiirrsr flour neighbours; hear Dr. Christie; elp in the discussions; and elgect the best Board possible for l 34. FIRST UNITED CHURCH AT WATERLOO REPORTS EXCELLENT PROGRESS The advances by tho Dominion government, against which certain amounts are credited, were made dur. ing the t1ggeal yeans 1931-32, 1932-33 and 1933-84. Please bring any resolutions that were passed by your School Board at their annual meeting for further discussion by the County organizp- The speaker of the afternoon will be Dr. G. l. Christie, President of the Ontario Agricultural Collage. Guelph, and his subject will e Rural Education. tion The Waterloo County Trustees' and Ratepayers' Association will hold their reor anization meeting cn Saturday, [gebruary 17th, at 1.30 p.m., in the Auditorium of the KitE.hener-Vatérloo. CoWatiate. '-- In the has-e ot Manitoba the sum outstanding which the province owes to the Dominion is $8,390,629. DR. CHRISTIE TO ADDRESS COUNTY TRUSTEE MEETING ing his sin)? In town, Mm. C. Houston ot Chuhlm h the guest at her laughter, urn. 30.811!!! and Mr. Provide Sun-uh. Albert and, Waterloo. In. In. Goodahun of Toronto Is the guest of Mr. Ind In. Tom Scamp. Unlon_ street, Wlurloo. A Rev. 8. Iaiutesttschltriyrr and Mm. Latttenaetuagrer were the guests ot Mr. and Mm. A. H. Behwaltzor. " Water strum, Waterloo, Sunday. Mr. Donald Toppln at Belleville, Premier of the Older Boys' Parlits. meat, , who addressed the Trail Ranger and Tuxls groups ot Kitcty euer and Waterloo " a supper meet. lng at the Firm United church. Tues. day evening was a guest of Mr. Da, vid Beau, Albert Bt., Waterloo. dur- The Province at Saskatchewan now owes to tbs Dominion govern- ment the sum of $28,308,566. This was advanced (of payment ot bonds or bond inttrreat, tor provincial gow ernment purposes, and for rellet. Alberta owés the Dominion govern- ment $8,082,000: and British Colum- hill $7,449,34ii. This information was furnished in the House ot Commons by Hon. E N. Rhodes, minister ot titttutetr, in answer to a question by Hon. W. D. Euler (Liberal, Waterloo, North). Mrs. W. D. Euler, Queen street north, loft Sunday night tor gt. Petemburg, Fla. where she will be the guest or her daughter, Mm. James Colts North Waterloo Federal Member Asks Questions hum. in: week on Tuesday and “do: "tqeTtootgs In. John Knit pound to. at tho Tue-My put! and Mn. Harbor! Kant; " the My Mr. and Mn. William Km. and daughter Miss Ger-KIM Km“. George street. Waterloo, - 'Ht eru} dats In Torxmtolayt yea; __ Mr. Sam Smith has returned to his home In Winnipeg after a wort hon- day In Kitchener, the sued. ot " wants, Rev. J. P Schmitt and Mm. Schmitt. mi- MMP. Wi WATERLOO KEEPS CUP F'. w. Snyder, managing director of the Economical Mutual Fire lnlur- rnca Co., Kitchener, said on Sutur- day. that the Kitchener public In reaping the btynoflt ot lower are in- surance rates as a result of the Kite chener are litpartmmtt: __- For the grd successive your. Kit, Phenol" has been awarded In phat 1mong Ontario cum in the are con. .ral program of the Nutloncl Fire 'rotoction Association. FINE FIRE PREVENTION RECORD Mrs. Melinda Shana spent Tues- dey in the village visiting her daugh- ter. Mm. George Reinhart. She lino called on Mm. Jacob Shani: and at the home ot Mr. H. Conch. A number of local folks attended the sessions or the Winter Bible School being conducted at the Kiteh. onor First Mennonite Church. On Tuesday of ihia week, a special pm- xmm was arranged when visitor: were welcomed. Mm. Chrkai Harnock had a num- ber ot her friends help her with a quilt on Wednesday afternoon. Mrs. Hurnock served a delicloua lunch to the ladies. Mists Jean' Schledel attended a birthday party at the home ot Mr. and Mrs. Abram Sander In honor of the birthday ot their daughter, Mina Iva Sander, . Mm, Cecil Nader spent a few days or last week visiting with her par- ents. Mr. and Mrs. Abram Shani: at Riverbank. [ . Miss Arlene Butler ot Kitchener npent Sunday afternoon at the home at Mr. and Mrs. Wm. Searm. There was no service at the CrtNtgF man church in the evening. In the M.B.C. church the young people had charge, There was a quutette from the Kjtchener Salvation Army preév ont also the captain of the Kitchener Corps. Captain Jolly spoko briotty and the quartette sang a number and played several selchons. One of the quartette sang a solo. The meeting was well attended. Mrs. Arthur Lithgow ot Thedtord is visiting at the home of her par- ents, Mr. and Mm. M. Mada!” for a week. The heavy snowfall on Saturday night made Game of the side roads impassable tor airs on Sunday. Church Services. The services at both churches were welt attended on Sunday morning. Two of Waterloo's highly esteem- ed citizens, Mr. and Mrs. William Conrad, Young Street East. on Saturday celebrated their Mtieth wedding anniversary surrounded by members of the family. During the day many friends called to extend heartiest congratulations and best wishes and they were the recipients of numerous gifts and beautiful iiowers. An enjoyable family dinner was held at the family residence, the table being artistically decorated in _keeping with the occaaion. A The family of Mr. and Mra. Con- rad comprised five daughters,-namely' Clara, Mrs. R. G. Brain, of Flint, Mich., Lorraine, Mrs. F. F. Hughes, and Misses Nelda and Edith Con- rad at home. One daughter, Edna, Mrs. Eden R. Musselman of Wind- sor, died 14 years ago. Mr. Conrad, a son of the late Mr. and Mrs. Jacob Conrad, followed his father in the hardware business and to-day is the oldest merchant in Waterloo. In past years he has been prominent in public life as a mem- bet of the town council, y2lt school board and Board of rude. He also took an active interest in church work, being one of the most valued members 0 St. John's Luth- eran Church, It was in Hespeler, February 3rd, 1884, at the home of Mr, and Mrs. Engelhardt, the bride's parents, where Rev. Mr. Braun, pastor of St. John's Lutheran Church at Waterloo, united in marriage Miss Bertha Engelhardt to Mr. Wm. Conrad. The bridesmaids at the in- teresting ceremony fifty years ago were Mrs. A. D. Bruce of Gait and Miss Caroline Conrad, sister of the groom, now residing in Chicago with her sister, Mrs. J. Herbert Smith. The two groomsmen were Mr. A. D. Bruce of Gait and Mr. John Miller of Waterloo. Highly Esteemed Waterloo Couple, Mr. and Mrs. Wm. Conrad, Wedded at (llBWfia)'ril ANNIVERSARY or WEDDING who renewal their "toeHrtione during the put month. The label - 1b.“ to which nub- Ieription in paid. Thou who have not yet unwed boy do so either by remittance direct to this once or to nears-t want. If not convenient to pay in full, pay what you can now and the balance later. An early unlit- tance will be much appreciated. for the purpose of receiving tho Company'l Annual Report and the election of four Dlrocmn. The anneal Annual Meeting of the North Waterloo Farmers' Mutual Fire lnsunnce Company will be held In the Ontario Equitable Life Building, In Waterloo. on North Waterloo Farmers' Ahrtyal Fire Insurance Company By order of tho Bond Hespeler in 1884. BRESLAU TUESDAY, FEBRUARY 18, 1984 _ JOSEPH B. WOODS. The dates and games are as tol. lows: Feb. tr-Clinton Vs Mitchell F'etr. T-Mitchell Vs Clinton. Felt b-0odryrtctt va Winner. Feb. 12--Witttter vs Godorlch. Fob, 14--.thsw Hamburg vs Witutor. Feb. 16--Wutatyr vs New Hamburg. Goals. not games will count tn all playoff games. The winner must be decided In two game; Local! Win by " Score. A record eriswd saw Hamburg beat Mltchell by a 9 to 4 tu5oro Friday night. Chkf of Police Scherer. who was hit by a motor car amoek ago Is txrrtitned to his home, his ankle being badly swollen noemrsltaUntr a rest Final. Feb. " and tti. As a result ot New Hemburg'e win over Mitchell on Friday, four teams will enter the playoife instead of three. At the echedule meeting it was decided to have tho first and third teams play on With the winner to meet the second place team. God. erich tlniehod in ttmt place, with ll points. New Hamburg In second with IO points and Mitchell and Clinton are tied for third place with seven points. With such a possibility tore seen representatives were present from Micthell. Goderich and Clinton as well as New Hamburg and a meet- in: followed the'game to make the playoil arrangements. Death claimed on Jan. 39111 am other ot New Hamburg! citizens, in the person ot the late Frederick Bur- Ghatzki in his 65th year. At the use of 19 he came to Canada and 45 years ago was married to Carolina Zur- Lucben. Following their marriage they farmed tor many News on the Huron mad. moving to Now Ham- burg 14 years ago. He had lived tNF tired tor the past eight years. The Mbeion Circle ot the Baptist church met on Wedneedny afternoon at the home ot Mm. Dan Becker. with the president. Mrs. Norman Hostetler. presiding. The treasurer, Mrs. Becker reported that last year, $46 had been raised tor home mirk Mona and the same' amount for ioreign mission. A letter was re cetvedirom Mrs. Roger or stratford. president of the Women‘s Missionary Sooioty of the Guelph Association, asking that their objective this year he $90 that $40 be tor home missions and 850 for foreign. New Humburan New Hamburg won the group title Wednesday try defeating A2oderich 5 to 0 in a scheduled game. The funeral was held on Jan. 31 to the Lutheran Church of which de- ceased was a member. The casket bearers were onions ot the church. namely, Messrs. T. Kalttturisstt, G. Steiner. C. Hun, V. Zoollor, A. Pauli and C. Jacobs. Burial was mado in Riverside cemetery, Hamburg Notes. Mr. Fied Schaeter spent a few days with friends and relatives in New Germany. . Miss Grace Peacock and Mr.. S D. Peacock spent a week In Bram. ford the guest ot the latter'a daugtr ter, Mm. Harry Williams. " GN 6 L0 0. V It was decided to change the date at the open. meeting from Feb. 27 to March 27, when Mr. Reuben Jukea of Kitchener will give a chill: talk on missions. Fredqrlelt Bunhaukl Dad. Ralu Money On Minions. III-M Im not a... '.roNr loo " has my "and ". SATURDAY, FEBRUARY 1011: “so . "" . a.” an»: aasd W on. me. Dry Good! Store Waterloo - . 0n dwahpdlbll'ldw “A. Germann FOR THIS. SATURDAY STEELE’S GLASSES SATISFY "-rooAuvotnhr. NEW HAMBURG laugh. Director. M King " We“ Sass Ra. - PHONE " t Ontario i3