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7 soflw special values for christmas shopper at cut olaii uliukr and gtintna j oo sln cu olaaa harry uoyvl u t 3pleo carving bet in caaa l7 rosare t bnooni in caao i 7ti roirara bttgaf sheila in ciin bou barry spoons lr uod ladlaatnduantsj umlrallaa ajoujand paart handlea j go u fountain pana from lxjo m hand palntatj china ullvar t sata bopara hull ara link a dlahaa th boat loullon in pooktjt knlwaa uotaaora i tax or u wanloura bl ivor- mount ad ebony oood wa lead in toyaj nolle toy hooka cm id cn a u i alalia from lino udwejdi m4 o aui io tmkl of rn ailu call in- geo hynds mill strt aotun ont xmas pift mhaoqualltbrs fjc ttairftce rras tuu1wday dicicmlllr 1011 brief local items the miui lo you merry merry chilaliuau thoohrlalmaa tre forevoi rld til off eonllnnnrifi improvf hire hanta olaua a rut 111 wil cowe santa applauai olaua prolonged eheere lion henla oimuh will haitmuy in our mldat dec 23 ibe people lira ml an nual holiday two daya of oiiiulitiui tblu year sunday and monday kameiuher hinl olaua- ho u doming down the chimney georgetown ima a hanla ouua committee whlnh u dnfnfcrod work good uvbiiiiik hvt you arrau cd lo hang up your alooklug haluidey nig m r spodu x04rotirul mailing at tbe llan leoilal ut the methndll church jacob hull at itineral miiruhetit baa mad an aaalgtiuiuut lo h i can lei on proa pec i a aro ckcoedinirly brirhtiarrvlnirwlocttl jplhy try-l- 1 nlph the vhkk phmw ohrutmau number u a keni tom kennedy rglatrer iarry hound mi a hornby of the pudenllal haa barn dlalrlbuihik vtry uu fnl dealt dtary llm iaat week school oloeo uiu nf lei noon fur jtbrlainiaa holiday and will reopen on tueaday drd january your uhrhritiiaw number u very bandaonie add wn have all enjoyed it henry heed ueorgntowii a copy of ibe imcti plujih clirul- oiaa number la being preuented lo all ww aubacrllwra call loday it fa rumored llial llm proprlfltoi e of llm dominion hotel haa leaaed lib bar to w itawahiii bartender o kanla olaua 1- flanadaa now national anthem in llm room and mui of hi oanaila lo dny jt w communion nor v loo will bo buld in knox church nuxt huttday ivopar- ry rioa tbta syonlng al fl ocluck tb brloklayoraaro nittliift in tbii front of mr o j wallacaa ttno now othlng atoro on mill hirotil uu ek bn nook burn hqhootv obrutmaa antartaiitmsnt will ixi bold to morrow i enloff it will tm an injoyatili ovenl young oaiiuduu favorllu dlblu l next to turkey will bo an arllola of dint known in inlvf rally rjrclwt mu vlmiitn puddin a chrlattnna irca untottalmmsiit i will b bald in oonnectlon wllb tliu slloam sunday school on imiuy von- i log 8hb inat thautijaol tiavt bnnday mornltin uia tlapfut ohurnh i llglil t i braolng and in tlitf waning ng- looted salvation tbamothuduloliurulihitnlvtiraaty i will be held on sunday 22nd january i rar dr ililggv of toronto will w i ibc praaolii r iha day mr n palturaon will ooinmnnoo i bualneaa in bl fltiti now alora with it 1 4oontplte new equipment in thu 1at- l tenon dloak to morrow f w am dullghud with your i chriatroaa nnnibar it u highly artu uand aunwuve v himnwlili hftnpaon v torottto if any of our antworlbara fallod to inmtlva h copy of tin ifnwu itt itjbrlatmaa numlhr a nopy will int for- wardod uptin appllcallou tun mrleua in all the cliurclua ix l sunday will partako of thu chrlatniaa aplrll with olirlutntak imrnibnaaod olirutiuau iinutln i tlm ohrlmlnia ninnlkir of i in ifhjik iikhhu worldy of yoiir vpltir idldly rqulppthl ofllci and ciudlt to f aoton v h huacoit tot onto yottrchrlaitiitaa niioilmr u arnre i beauty we do mil nunally rxpufit itdob excellence outnldu tbe ally ofll tv- j 8 deacon 1 h i mlllon tlie sana of kngtaml clirlntnmi which wfin to have lieutt buld tqtorrow evening baa iweo poul- itnlofotbui iillrnctlonm w olirlalmah tide ttifl ji3i liatld iauera1ta nw ata and land ud none are luflln grluvit alonn for mm aj bnavtinnil cltlnm uw own- strsaret k sangatr lionly a atovea bft and will bull jimaat leaa limit mll j new ilimu juat tloyal ittrple slock and loitllry jd euttera alttlghf and acalaa alun ilvlotu separator ottd duln hay an tbe woi id- beat wood want- see uiy urge advt in aiiouiut sown 0 a lllatk ncws p local import uulnay banllh llaat iiiruok lla mtr mim 0 h hmlll lt jnl hi i ll iiw- r r on mi w s hmll of hut i lro cu 111 oil luttrmlh in thu wl lin liivilnpfd ill a ihihi hiitlofhtiliu v k ilijiulftn m- mliltig him h0 nr ly mr nod mr- kinltb hi ihrlr sidney lv jt iflni lliullllulj4l htlu tli 7uiiip u la bnalor ci kwm lojnul r hd hlul- u m- ofll i tin of mr jn a li of hub in llrrhonulm rn luut of orm mi in i law in aolmi imfk iii ih r ami afki ihiik rlll in llm wwhinvh- h ilkai hull a vurj tmri ful ihiiiii ji tulon mr- jiho wiu muw 1 lli allan f-t-i- llrr f xu h kniltti on m iluco apuolntaxl publlosahool inaikitor krnn tint 1urry honod hurwiiluni lhtur j 1- ilwuo u a btn ol llm into win moor ar who blh ry mmtub1y llllrtl 11 position of pilu llpjlof tin- lniblln and coulliiiial loo hritmu in that town tor virul j imrv intu ik hi appolntid in of tlit hnulli iarry hound dluulul ihu poulllon larrhiu willi it a imlury of l1tk por annum mr mooii urn rwmla lliv c otaiil m a of oilll ilav mr xviiaon tt lrvuii ibn drayliyi ailvotulo uy hv j 0 wiuon ii a ir arlon prurh rd mnriilng and fiwrnllik to turn nm rrrktlonu al the ivonhytmlait annl mirnary aairvlciu and all who heard him win tdllutd and dili a fithu will offering waa taken whloli anionntwl lohjffiei a vry nndluliln o ind d uliv mr wlluon lu a win in law of mr wm dull of tlm htli of ll andualwayn a wdcom vullor lo ibn drayton rniiii gallon california caiuullmn tlautoov hon allurl j wallaci of iiu aiigeloa cal wm or tho int donald wallam of illkititoo townwhlp ll- tillph liua jiiht ixon tit r tod ilrut ivmoro ufornia uwul-uouur- nor wallar u a runin of mnrm joutiplt and ollvir iithy arlim mr wall- oi waa noniloalml for unutuiovnruor by llin volo of llm ltopiihlloantditalnru ila wan fakkiiilly opimhoml iiy tbfl ilfi lot doah ru abno elation hon oiirgo wallacr of now yoik city ua iinllior tb chruunaa ptauo haaltal llin mnalcal ivcllwl in lbo mulikmiui jlmich on ohhalioaa night will h an wnn t of iiiohi ihiaurabl rbaraoliir by which lo lonnlndo lbo tiojoymunla of tlinfdtal chrulnmatidf llitro will ha uimii claiui piano tiuinhita by ulna iwimitta oray aclona mml lalcnlfd nlaiikti vocl a lnloiia mm j wi 1iw r mnton vbobaaalwaya luin a forltu ai u awixil hiukci- ilr lltiwucomihut roiialdai iihui uarii lint lo bitnair but br lovit tor llm old honn rompiillid her to acpt lliij in vitation mumui urtl hinilb and kmma lliul nod mi ikoiiuiii win ihti all popular loral vorullulw will ulao tuntrlhtl in uiy pro 1m hnnday hrhool oiclumtra will itmdtir a utimtxr of nuw unit lionu j lin pub uo ucordlully luvlind nw elok danaflt qoolaty ala mftillngor a ittintluir of wntk- iti lu lowu laut wvok it wmh pro pouvil thai u ulrk imhiiiiu and ton lino ahouhi lhi organund and havn for luobjtclu tho hrlnglug togolbur of workliigmmi and lhnl main drennd- aula for mutual lmmllt uuil mippoit the ralaing of futula by uiittanru fmu lionu doimllouu and inluittal on rapilal for llm purport of iiudutlng intanri to imtmlmn whun wink or tmabht lo folltw their iiiiiployiiiunt and that llm uald club bhonld iiiivh a irtialdont vic imaidt ut trnniti and hicr lary llm oiganlkulloi wn ilfniiud and llm following nfllcnru ultmled m murphy irvhldont 1 taylor vlco irualdunl h htook kocrtilary morcliauta hank twiamir- er riuiiticul ooiouilttoo mouuru murphy laylnraiid hrlndly man- agemunt commlunn mcr iogg oonnor tyhii ohorly hnyuolda hrlndly and trgc anlad at ardan han a vrry intcrcatlog wunt took puco in st ajidrowa oh u roh at allien man on wodtmudny ltih imt ulmn joatph oi tun anil mlw aguuu mai himditraoo of acton onl iliiuklitniy of mt and mr jainra huodoraou wuro unltmriu lioly wrtllock tln cornmony waa hii formed by lbo liny a 1 mauuou h a pautor of thu ohurflli haaulod by tho llnv j i iius h- a or lbo mothoulat ohurflb at llm hour apioliiud wlilla muw t mauaon playtjd lbo wedding tuaiuh llie bildu and btldngrooui look llulr plarkh under an a roll of evirgiwn tho hrlde untrrrd the rhlllcb oh tbo aim of hur hrollmr in luw mr k haggiirty wbogavo bni away tim bride waa lmlnfully howiiihi in whllr allk tilnimtd wllb laco and duchiwh rlhhon with bridal vtll anil orange blowmiuu a lid curhud a wumint of wltllo romiu and nialdou hair birn mlaa ij hoffman of neipawa uiiidn ti viry pi nil y htlduhiuald and waagnwit oil lu pal bluii alw organdln wllli blank ploturo hat and uarrlid a uiutpmt of pink carnauoua mi dmiald or- tm of hiitnnan haak brollmi of lbo grmun waa grooinamatu the dalit rn wi-rt- john orion klnliy hugkvrly wllmol lill and allwit walknt following ihu uttromnny a anoiplimuu dinner wo hi rved at llm hoiiui of to hiuhj wllr mm k hugkcrly ahmit aviiily uimla wuo ittihwul hpitolmaof onbbralitlalloti wro itindti by mr mauaon und mr lnnr many vahiiilioam luiful glta who m rulvi d iiy llin young uouple llm hrld itavitlllngdliwm waa orold roaodlagoti al irlmmiid wltli plulh and iipplluuv wllb itxpie lo malub llm grooma tflfl to tin- btliln wna a iwiiullful fur lluid ioiillo the lnldiwmalil a puiul rtihiiint lo lint grooinaman mi it links and to ibn oruaiilal it gold i mm pin aet wltli piiatla rjuoiu wuro preinnl from kuluood hinminn mooio park nuipawa and oildwnter tlui happy noupla itdt on tbe mmi latmil ttalo rorotlllla trmilo and anion amid abowera of rlcn and good wlalith from a boat of rrlinda mr orion la nun of llm prokprmliw yipliiu men of llm no in mtuilty he ami lila bildn wlirnfliue it hearty walnoum wliuu limy lulllin lo thvlr nvw lionm in jullabtiry all join in wlxhlog ur npil mra oilou a long happy and prtioriiiu wribbd liri-tv- i social and pirsonai mr h lilfmo of ltrkw vlll alton hi uhim wib mm john lliulinhu f h- mtim t hire for tl inlluy- mr 0iiiitin ml mua jnanlit ul i oroiiin bpnl 1 iiowlay in inwh mm john mkuheru la hidlug a fiw wiik wluttorimuifil ml- mla anilo i iuln of dr ll vulltl frboila ullka mrllowid lit lilt u i n frm llio h hool of iirtll rh or lot nil mru jibu wvi of hii- hy u tli kultif in r ion in hip fx ltrvn whiumu muw i hth ml iii hn on til u to i p- 1 id tin holli with f inula iniolonlo linlnium imme f d me i noi muu 1 lt it i hjinol i xiuu wiunui mttnb of llrmau vill1 al llm homo ol mi iwy mi llibivuk mru v i flilndill of llraniptoit intu ui tin gurat of bri luoilmr tlor 1 wi o mrw it tbt wauuii of norval it a ft w ilya tbu wn k at the home of mr xv ii dioiii mt ml mh jtuapb uitoo of ar- ilou man hi- ipliillng ttmlr honey moon with filumubirt muh hwilvr of meadowvale a tipiudloi rnv wub with imr autrr mm win mauon ibiirrbhtrvtt mi anil mm v luumrty ml nhildrto of aid u man art gin t of mr janmu hinidi rami mtulu utrui1 intlmaiter mutllowa liaa i it i prowl ao rapidly tlm pant w k lhal lm r imwta to havti tin inapllil and rotum homo to day mr mui mv v ii imnn r wluglaiu win- ion yurdi at- tending tlm wtddlug or mlaa v illace ind mr luuiam mm ii ltyilm and miua mnuarit leave in moi row to i pmitl a vnral wioku with imi pmtnlu lu ilirrle mr it di r won aim iuiualiip to llm wont mr wuiiuiu and mu mabel kdmla loiiofwllim hallr arrwedhere imui wouk to miii1 a month nrwi wllb fririida til tlm old hniir limy are looking well and aru ruculvlng a baarly welronm from llm many frlenda bnm of plfradi ago bniatr local itbmu utiv j o wiuou ii a will ho to krlti on hunday evening to uptak in favor of llm 1toal option ilyijtw tl ui it l-wll- will ocrupy llm pnlpll of knoif church mr v j im la r of klmlra wl lu town lax wk lutriwlilng tho pullman wtalhir ulilp mr 1uilair i in a hiiiiii ywata ago hu liaa iippolntid mi j mill i hu agentr 11inmikiliaiiluuiilt liuulaail ilia itihutllig a vtry altntiillve wall rahm darllmt uk it- 1- i at hal l- h i ifcrll d houting nil imgravlug ubowlng hm htiid nhlro at mutreul and glvou vahiahhi infnimatlou mi 1 a mrljtnn iimnagor la g m roua 111 canadian aim anan for wi htm li a roold v tboiiai- a mir llmii wi i v aliifblt aa a rftmpnt lio hiii dilrl ry omta olng roll hlllhl 111 oiumorrlal alatiallra a 1 rooo oiraf diiaruiian al crleal aalli al 1 alio il nianr al and ro llrl ry it uptllu ir1 by tlm lop cuik to lliilll tiitiito ahndl l rvrry ofll inalf in hulllmtrlhnllon knox ohmoh oliolr him niriiigd forallmt rhma nnlnrtiilniiic nt on new win night monday tnd janitarj urn ojliudlan xlahi quarlt ttr of to nmlo whh h ntiido wirb a lilt at tlm iptrdm parly bml milium i bin in on tuigagid mkasiiiimil of tnouto lorullnukl will alun tnki pail ooii oiiiiibtmah nuhuttll wo nio highly giilllvd with llm many rooipliim ntu uml kind wmdu upoke i ramntini llm 1 it kit lllhul chiisl maa numlfti huiimtium i a g n erally hav utcp- id hull u preulu lion o till atttartl i fuatuia if ihlu aiuxila ch lulumu lu em 1 he dm mud fm xi a op luia hmn hilt ul litniaiid dltloil hau oi ahh 1 uu lo 11 nt all ortte a it lid wn tau hiih mi p ply tlinan who lit in roplea lob mil ll if rimnuv ttamiuealns- oraok mmtlnv the regular monthly nmolliu of tlm ktpiuuhig firatige took place in llm oiimicllxtllftllllnrat htewarttown on monday wolllllg of lnt week after tbe ttanaaotlou of bualimua i ho follow ing onirota wure ihotcd for llm rn- aulug year w m w j utile ovnmtei ivioy iuh heorelary lotalaon appolla tmiuurei j ij htantllwli steward john hi own i aual htownrd fuonard chlabolnt t jtmr j u llndaay j chaplain ouoige konil rsoti i ualtikurpei n ollllea sad glirlattnaa ouuookl tbo toionlo star publlahid llm fol towing laat ivlday a man at oton gave lbo following excuaea for not leaving a hat lu re- apeflt of which lm nwtd twtmly rent 1 have boon nut of xotk 1 inon hail iwn rblldr 1 altimillug tlm boipllal all the aumtner i imveunolbtt- cihtld ut houm under llm parlfh dootor i am wllll out of i have trim hard lo get a place but being out ul work ami lowing al ublldrwn u la dlmautl hiul a hat knw llm fioat baa aet lu and i dont twouny twwptotnfkthik anywork the maglhtrae made an ijeotimmi ordrr tidling the luniinl that ibn land lord waa mitltlrd lo ida premlaea tho ritie pllloul baa made diligent cniiilty renmllug tle ram atatvu rn- potted und la imabtti o llnd any vunb can i iuilng in rr oirliilnly no anion mnguirate mmle tlm ejefitumnt mdir ihtfyrrod to llm star baa evidently mud in urerillltig ihla dealllnio family in autnii acton ha no ileal liuln filnidiea baa nn llata ami no pailali dontma drafnksa oahnot ob cutlbu h wl aii m tliay eatiitijlimvh ilia iluamithiufinoruimi vlt-i- la onlr a wntonurllatjdm lil ihkl ity immiiiu tonaitamatlm lf gaa ha la datiihl ooduii l ilia inuooua lliihiil or tha kualutiutt tuba wtiu uiu llllw i in laaauulbl will bpanci wlnur in lha south mrts l c maddock kfttoionlo the drat of ihr wk for hi uula m to join it puny of fourteen or llftren wlnolihk mood who will mnd tbe wlnttr lu llm houlb hurting fiom cnlro lo mr iornl madilnrka yi ll iii pilly willriole down mui dppl hi vi i around ill oiiirofutmlm iulllog all ptlolp placa rnmul iheurf iiptlm- alunlle coal lo new york uhlil limy xprt to raib alalia tlm ilml of march mr 1 hvlu il maddnck a eiiulueer of the yet t w i auction bali rkolartkr tkikhiivv jam i tub hu of farm alork ami lmpionnot iha pro- mrty of j klnnard k ipmffjng four in i ira muiii of arlon i j kmiu auclloor ar dimply loo i write miichlhla tli kal suck but i n may attending hanla jlua who i- lo window tlorn wl io doull altout w jy alore la itofn tl- i uj tli rll fnr it iltlv mm clil hnu clu uif hoiry llllrr l romliik imi1u witli w6e right house hamiltons avokltac ulofrino lacj drd watching halfty i tumy and into th bo lip bu blrkh llrlntc lb children te brain workers who gtst little exorclic fee benr all round for an occasional dozi of na-dru- laxatives they tono up iha liver fnove iho boveu gontly but frnev cleartio iho ay jem and clear ibe brain a rmv plnanant and reliable laxative prepared by a reliable firm and vorliiy of ho na dkuco trade mark 25c a box if your drugght has not yet mocked llmm ntvd 25c and vo vlll mall them national drug a chemical company pf canaba limitcd monthcal 21 hkiis you bought your xmas gifts yet x7b have a line of exclusive imported fancy floods and novelties the prices are the lowejt the joodi can he wild for drop in and reserve thnm no v it a pleasure to show tlicm lo iouhecausetliey arc rifjht7 how about a kodak acton orukftist and stationer ontario conscisntious plumbing y heating is mot tc tucvthf inzlith us to ihc contrary we make it the most important factor so if you favor us with jour patronajje jou will enthusiastically endorse us fred smith plumber st guelpii phone 337 toe iiava a ruuiblltut apupd of ltaiwrfil lf nt blhl wliaa t wiauralji larf dalmb u iii ivtolt blia uplwmi itia inflainrriaitinii an h ukbiiooldillltottiltraunhl lu ila iionnl ciiiiil i lh liaalliin mill loul torr nirw mm out r ui raumi by ilul wlilnti ibiiotlilna tul ui intlmiuad oottdlltou ul tti iiiuooiia ruifova w lll at n iuh lwmlr any nl iim1im oaiiiwl lr tajrili tlit rn mil imi ourwi by 1ui1 oamrili out html for v j oiiknhytto ti1u t1 santas last message we have just received the lat message we shall have from santa claus before christmas lie sad tell the little girh that i hope th6 winner will he pleased with the prize dollu i bent them and to the ones who were disappointed i would say that in all probability i wilmiave another surprise for them next year when thcvpivill perlmps he more successful i wish all my little mendu and all my grown up friends a merry christmati we would also like to wish all the little folk as well an our oldettfriciidu and customers extras for saturday sweet orane from r lc pur doz best seodletii twect christmas oranges por do2 imc 4c aud ftc fretih lemons sc per doz christmas handkerchiefs roil oatntlnmbn silk initialed site tmdjfe fancy silk jc and fife plain linen i5c lo jjijc lxcolda i ic to lffc for iladibb we have a bcautifur range of embroider ed and lace edged handkerchiefs prices ranging from fie to 9c t- run ohildrin we havo picture handkerchiefs in great vaiiciy v- t ji for 5t- and fie each japanese china what more delightful gilt than a bit ot china see our showing w e moore milt street acton ont our stocks will be complete up to the last moment you my con to t38e right houu late salurjy flight d find euclly ike xiui gill yorf are looking for 0 op evry niibt thi wuk many of the reulr r of this advertisemt nl from oil cjuw or uothrr have hern unable to complete iheif tiius shopping to these readers iiu uuin iloi sp wishes to state that more thui a hundred extra salespeople have been addtd to the regular rhiii housi force esp lally to accommodate the lastminute xmas rush il will be a satisfaction for these readers also to know that i uu kionr- llousc prepared for this xmas with sucli immense utocks that they are sure to find here even as late as next satur day night a complete perfect slock of xmas gifts wide aisles high ceilings anil liberal refund fare plan not only are the xmas slocks here superbly complete but the many conveniences of tim kicin iiousj will nnku it this week the hamilton headquarters for acton shoppers 1 he big mezzanine or balcony with its rest chairs writing desk manicurist magazines lavatory rtc is an ideal place to rest or to meet friends our new departments imultiirc shoes candy toys stationery toilet goods china etcadded to the hali a hundred other depart ments in tim hit in housi make it possible for you lo fill every personal or home need without leaving this big cheer ful store the most complete stock of reliable furnishings for men in ifamiuon remember please we shall be open every night next week thomas c watkins limited king and hughson sts hamilton ont eg 2 helpful shopping suggestions fqr cecbistmas gift grivebs the value of a vlsif lo our store will be apparent at a glance lie p muled puillluten of iiftn will fnnl heie many kiigkofthnui that will tel love tlinm fiom the tlintoht ami trtmbla usually anitnc at tlim twmuuoi who n the tiloctkin of the nuv t appro priulc gtftii fur relatlvoi and frlimidii in urn frfriniih problem of llm hour juut take a look tliromjli our ktnre and you will find quick relief from the pet- plexity of plutintnj ymirgfft lut bimi lu plalinlujc jour tkpradilure i lo the 1ml ivanla there a a wide ratio of uilo gift thiajfii at modurate prlccf any one of which will tlouvey the kplrtt you unli to hcud alone with your gift j d e macdonald bros wyrdham street guelph ont harold wiles opposite urowna drug uior acton ont for moi ie4nk mo maett ptaa lunailiaai jftllar drlwlnjr or blumuiur knnaat oonfaetlonary maiiunuiturad allakva osaw taa cam this hvun1nc ou anv timt a welcome alwaya and cooil cooda and good valooa wt wit1 an ouu im ami cuatoikm a merry christmas ami elv quili wihll nlhvlkkn iiunuxvu vm ullvkn g j wallace the uoaa btora hllla actokont gdressinq gowns m loo to jttoo aaob g s house goats bath bobes m vloo to lttoo uor u- to 000 a ah h nov up lo data koda juat llw ihlag for a nice iiim i row ill ar men m b see our xmas ijeckwear s 3 s s r e istelsoit fi marohkbt tlalloa- wyndham falraat m auklru ont g w6e metropolitan bank paid up capita- 1m0000 rkst ithwt head office iforonto ont kvj5uy jokpartmsntio hanking conducted llh facility accuracy and bocuiily parmerb du81nehu ckcn particular aitmillon 3ale motes imifounlad or reoalvetl or collection bavinc1b ikpartmknt v t oomillopnn an aooduiit inlomt allowml bom date of depoait no delay in wlihilrawt1 joint accounts may ira opeoed if dtralreil poraon may withdraw hind- kcton brhnch a m- brpwn manager i