‘MEDICAL 7 a. E.TERHUNE —* Barrister, Notary Public and neon : * cer, Office on Wallace St. oy Pa k of Montreal. H. D. LIVIN ) Mm. B. Physician and Surgeon. Office over ihe) got 3 Drug Store, corn- r Main and Wallace streets: Phone 39. Night 4 phone 113. H. B. MORPHY, K. ©. Barrister. Notary ton, Listowel, Milverton, At-| Queens hotel, Wallace street. ; wgod. Offi stowel and Milver-| ~ ppone 17. m Money to loan. ‘ A. G, SHIELL, M. D. J. C. HAMILTON, B. A. » Physician and Surgeon Barrister, Conveyancer, Solicitor; Diseases of Women and Surgery. the Imperial Bank of Canada. one 13 ic oOney to loan. Office on south side be, ain street, over Miss Gibbs’ Mill- a Parlors. Bonds for Sale. Cc. MORTON SCOTT, B. A. Barrister, Notary Public, ancer, Office over Adolph’s aeons Store, Main stree Convey- { DR. JAMES MOORE (Physician and Surgeon) Office second residence north of An Interesting and informative Raiew, The President and the Gena Masser af the Inpuial Bak of Canada at the Annual Meeting. Oe Mr. Peleg Howland, the President, in bos address said:— t is with * considerable Batisfac- Office, Inkerman Street, West. Opposite Presbyterign Church. DR. ALEXANDER FISHER Phone 997, , Special attention given to care of Infants and\ Children. ere has béen a shrinkage in business, which ‘has meant a-‘reduction in commer- cial loans, besides a curtailment in | the number of transactions from which banks derive a share of their revenue. Advances to farmers in the West have of necessity been eeGyents and the low rates obtainable on Call Loans in New York have dageinta s of a profitable outlet for surplus unds. Taxation DR. F. J. R. FORSTER Eye, Ear, Nose and Throat Graduate in medicine, University ‘DENTAL W. @. E. SPENCE * Department of University of ae sylvania, Philadelphia; also * . ate of The Royal College of Dental “=. Surgeons, Toronto. Office over Schin- béin's Store. - ; ses painless extraction we use nit- xide oxygen gas, also conduct- ive anaesthesia. R. F. TAYLOR, L.D.S.; D.D.S. Graduate of the Royal college of * Dental Surgeons, and of Toronto uni- hemes bya —- for Extractions. | @ffiie o McDonald's store. Phone py ¥. Sf. C. WILSON, L.D.S.; D.D.S. Graduate of Royal College of BentakSurgeons, Toronto University. @ffice oVér Banzley’s new store. Phone 23 for appointments. CHIROPRACTIC DR. L. E. RUTHERFORD y Chiropractor ie - Office on Main street, over John- etone’s Jewéllery store. Hours 9 a) 12 noon, 2 to 5 pm. reeinns by ap- pointment. Phone N 8; Consultation free. DRS. J. E. and ANNIE PATTERSON Graduates of Toronto College of r@biropractic. Office and residence first door east of Blackmore-Hamil- ‘0m factory, Main street. Office hours 1 am., 2 tc 5 p.m., 7 to 9 p.m towel, Phone No. 54. Dentist, Graduate of the Dentist Will be of Toronto Late assistant New York Ophthal- mic and Aural Institute, Moorefield’s Eye and Golden ei Throat Hos- vitals, London 53 Waterloo St. Stratford. Phone 267 in’ Listowel the first Monday in the month, from 10 a.m. to 4 p.m. Expenses while reduced to some}. extent, continue high, and there has been no reduction in taxation (the taxes paid during the year ' by the Bank to the Dominion and Provin- cial an eee ig of sales taxes . Were in “ex- cess ay $220, 000, or more y than three per cent. on its ‘capital—this is tak- ing ‘no account whatever of the very large Municipal and Real Estate taxes paid) nor can we avoid gin times like these losses from bad UNDERTAKER W. F. pwr grin d funeral Director Graduate ott Canadian embalming school, Residence and parlors, Main St., one and a half blocks east~of Baptist church. Night and day calls promptly attended. Phone 227. Motor or horse en equipment as desired. .} are debts in spite of utmost care; there- fore, ag I have sald, your dirtctors pleased ey be able to present the statement they have the honor to submit Canada's Corps Field crops in Cariada this year, taken all in all, have been ad in Ontario particularly so. ith prices prevailing this Province ae ally can seldom have ‘been better off, and the effect must soon be felt in the demand for goods. Quebec and the Eastern Provinces, 4 o INSURANCE pa Fr favoured. Prairie Provinces there FIRE INSURANCE in best companies; also accident, an- produced a moderate crop, much’ short of last year, except in Mani-{ toba. With the good prices some! headway will be made, and part of, tomobile, burglary, plate gla and| the load of debt incurred from over aa insurance. YE oomilin’ teaan prosperity will be lifted. The growth ance, 8h - pe r 100. Your business = the production of dairy products solicited. my . BOLTON nd eggs and poultry in these pro- tices continues and-is of the great- ' est importance in making the farmer: H less dependent for existence on i AUCTIONEER grain alone. British Columbia, too, : has been favoured. The. development, W. J. DOWD, Auctioneer of our mining, particularly in North-| ern Ontario, continue , Farms for sale. Get our terms. Want to ? See our list, Need a house? We have it. Requiré an auc- tioneer? Phone 246, Listowel, Ont. MUSIC » FRANCIS oe AzT.C, M., A. Teacher of Piano. violin, viaging and theory, Listow Puplis prepared tor oo Con- - S@rvatory Examinati Apply, ‘at Mr. “Philip Nickles resi- de ence, Phone 159. Our Exports Pulp and paper still large part of our exports, industry would seem furnish a! and the to be able to! ment, The total of our exports al products, animal products, minerals, and wood products, much of it is not yielding a profit to the producer. The -balance of trade is in our favour. Perhaps larg- a imports would indicate more in-| it ternal activity and better business. Unemplo d There is much unemployment, but im spite of that, considerable immi-! UR employ- ‘ers, the pub- & lic, have found us to be reliable and capable. The quality of the service rendered by us reflects credit upon our _ Profession. oe WA.BRITTON FUMERAL DIRECTOR NONE ¥O ES gration, —_ off in the last three | 5/2 or four months as compare with |! Do Your Clothes Shine? The well dressed man has his shoes shined _ but not his clothes. Bring in your suits and have the shine taken off, the liftle repairs made and everything - set in order. Then you'll be as well dressed as if you had on a new suit. Joe Lockhart ¥ “She Was Too Sick Te Try Entrance Exams.” 4 The Tailor Over Koch's Shoe Store last year. oe Aa emigration the United Sta the numbers o which e is ditticutt to estimate. Un- der existing conditions this a. not be entirely regretted, as number of our idle people would cree erwise be larger. No doubt most of these will return when times im- prove. It is reported that many have aiid come back, Business Outlook Tidnstetes and business general- ly, I think, lack enough output or turnover to enable them to show satisfactory returns, but world = af- fairs will. be improved by the re- sults of the elections in Great Brit. ain and the United States, and the adoption of ‘the “Dawes Plan" for tions must be beneficial, even if only partially successful, and will be felt by us Farther Readjustments Altogether, I am under the im- pression that we are approaching ‘a period of improved business, but I can not convince en saat that lengthy period of p y. for which we are all hoping Pill begin until further readjustments down- ward of price levels; until produc- tion costs in th and the new world are nearer together, and un- til there is a more unhampered vx- change of commodities between the nations of the world. Bank Inspection In accordance ace the provisions; of the new Ban » the. Govern- ed oe The public has the ce ag in ita And can too, are! attract capital for further develop- | large, made up, chiefly of agricultur-! fish,| ted to repeat in effect what J took a occasion to say last year. This Bank the settlement of Germany's obliga-! _ the effect |; ‘practically par has curtailed the op- pleted shortly. The number om chart- ered banks will then be twelve. Will t movement go on? It is hard to eye Rare there is room for mod- banks carefully conduct- patron- ‘or it de- own control, age or the withholding termine the ‘question. The Dominion Government, which-professes to oppose pea .. policy further reduction in the n a ester share in the — derived from-Government fina Just here I would like to empha- size that greater size does not al- ways indicate greater strength. Take our own case—we are in an excep- tionally strong position. We have a loyal and faithful staff. one that compares favourably wi hat of any other I think am justified in wave that a depoai- tor can place his funds in this a with confidence-that he will be sured of at least as fair and coer teous treatment as he can get in che largest “institutions. ~~ 7 me Public -Expenditares With little hope of being heard or, if heard heeded, I cannot refrain from again raising my voice against the readiness of our governing bod- ies to spend money. The excuses in the shape of railroad needs, good roads, education or unemployment may seem good, and the pressure hard to resist, but our taxes are high and will grow, and there is a limit of endurance to even the will- ing The Directorate It is with deep regret that I have In the: has been | to refer to the death of Dr. es He died in the Spring of this yea He was a very attractive nardomettiy, ‘and he took great interest in our af- fairs. The Merritt name has been | connected with the directorate of ;}the Bank almost continually — jits establishment. The vacancy the Board has been filled by the are pointment of Mr. Walter C. Laidlaw, who, I am sure, will serve you well. Last year a small addition to the fund set aside for division among the Directors was made owlng to the necessity of appointing a second | vice-president. That necessity does ;not now exist, hut unless it is your |expressed wish that’such should not | be the case the full sum voted will ;continue to be provided as Direc- tors’ rattle tone F , Years’ Service- Finally, waited I may be permit- will within a few montlis have been established half a century. It has reached the respectable dimensions now has without the absorption of any other bank, except the Niag- ara District, and that was part of the original plan when starting. It has progressed by the diligent and care- ful work of those associated with ts Management. It has not been backward in the pioneer work as ev- ore by; its early reaching out in- o the great North-West country and the mining districts of Northern On- tario. Its management is now, in my opinion, aggressive and progressive, but not lacking in the necessary con- servatism, I believe the Bank las oe service to the which has been for food. and bey it will continue to-do I ex- pect or believe that it will i088 its identity in any movement in the fut- ure, and I expect and believe that those that replace us, whom time must before long remove’from active participation in its affairs, will .be faithful to the ye 2c of the past. The General Manag Mr. A. E Phipps, iien aodieecet the meeting: the late Gen- in his ad-} 4 ress at the Annual Meeting that banks were going to find it harder 0 make satisfactory earnings and a- void losses. Every year since then has been a difficult.one for the banks and the bank's year just closed has been no exception. We had the fur- ‘ther disturbance caused by the re- Pnewed discussion of the Bank Act in ParlTament of newspaper criticism and we have had more than\ one additional mer- ger; the call rate in New York ruled at two to three per cent, lower during the year and for the last few months has seldom risen above 2% and en as low as 14% %; the return of New York wichauge to ortunity to actively crags in United tates funds. Agee called our earning funds in the form of eres loans and discounts. Good Earnings of these adverse condi- te In view tions it is with a great deal of satis-| CTOP al} faction t hat apy th ign oO e Chartered Banks. The ‘Charterod | Banke are stil ffering from. taxes by Provincial Governments ey f te the earnings the bank ove ‘iforeo(se dnd that a after’ community! with The| had,’ he said. Tree Saleratmest of ‘on monday even- ‘| Dee, 22nd, a | a ory city. Wenige re- celved 10,979 setae and John A. Fee derson polled 6,305. Wingham has all its election trou- -| bles over, having sratqer its Coun- to0.! cil, Commission and School Board by oe The citizens of this rthern town will be able to con- trate all their energies upon their salesman- Dro- Seaton shopping and y Parties Held Saturday— rma Welsh and Mary Gibson, énte chalied afew of their girl friends to birthday parties at their homes on Saturday afternoon. Municipal Elections— Municipal nominations will take place on Monday, Dec. 29. This will give the municipal orators two weeks to ‘prepare their speeches. The busi- ness year ends on Dec. 15. Elections will _be held on Monday, Jan. 5th. ort Course at Brusse A short course in Agricultural and Home Economics under the Provinc- ial Department of Agcioue open- ed in Brussels on Dec. 1. It is under the direction: of District’ Representa- tive S.. B. rs of Clinton, and en ss until the last week in eb: Soft Baller Taken’ Ti— A despatch from Palmerston. on Saturday last says: Miss Pearl Mor- gan, gatcher for the C.G.LT. soft ball team and one of the most clever soft balers of this district, this morning went to C.N.R. depot en route to Lis- towel. On arrival there not feeling well she returned to home, where she was visited several times during the day by physicians, who ecided an immediate operation for appendicitis was necessary. This was performed at Palmerston Hospital se has apparently been successfu!. Death of Milverton Resident— Andrew Coutts, an inmate of the House of Refuge, age 75 years, died Sunday, Nov. 30th. He was a native of Canada and had lived for years in the vicinity of Millbank and Mil- verton and for a time at Gorrie. He had no known relatives. The*late Mr. Coutts had been an inmate at the House of Refuge for 12 years and had been an invalid for some time. The funeral was held from Green- wood’s Funeral parlors Tuesday. United Farmers Annual Convention- a annuai convention of the U. Farm Women and the United Farm Young People will hold —— ses- sions in Foresters’ Hall. F.O. Dir- ag will meet Mostee” December 16th., at the U.F.O. Building, 109 George’ Street, Toronto. On Tuesday will be held the annual meeting of The United Farmers Co-operative Company Limited in Massey Halk The convention proper of the U.F.O. will commence — morning December 17th. Fined Pte Having uor— week Melville Syrett appear- ed: in Stenttoca Police Court ehataod having liquor in other th private dwelling and the case was adjourned until Saturday last. On Saturday a, charge against Syreit was withdrawn and a fresh charge laid against "“Genten! Thorold, who pleaded guilty to taking liquor to Syrett’s house. Thorold was fined $200. The liquor was found by Lic- ense Inspector ee who was ac- pector Brecken- ce mpty whiskey bottles and one bot- tle partly full, which was produced. Sale of Seeds Satisfactory — Seedsmen were very well satisfied with ages sale at the Royal, accord- ing to J. ngster of Listowel; President of the Ontario Seed G ers’ Association. “In many respects it was the best sale we have ever “Clover and alfalfa prices were exceptionally good, and while grain in some instances sold at little above commerical values, this gave many buyers a chance to pro- cure the best seed at prices within their means. Several buyers bought}: large quantities at liberal prices. The 521 exhibits were sold three ies el see indicates lively inter- t seed ants, either porte or 0 of} cleaning p etanenace for the~farm: Pro vince. The appointment of @ field to supe: wing Wholesome ot fruits and a hee or two of delicious, unshelled or shelled Nuts should have a place on your: Christmas table. Plenty of both can be bought here at lowest pric es. Bordeaux Broken Walnuts ....... . B0c Ib. > Citron Peel, Crosse and Blakwells Dripped .. ~ and Lemon Teel, Crosse and Blak- wells Dripped .......... t's Kae nek oR ‘s Seediess Raisins ... 2 Ib. Valencia Raisins .............2.020ceeee 15¢ p eee Re-cleaned Currants oh eae na 8 ike 18¢ " eee wrk p's ye + 0, cinie ty 2 Ibs. for 25¢ — * Sun Mata Becked tesicias: per ine sees ASO Our fruits‘and nuts are all strictly fresh and ee d. ‘Phone 91 "Main st. ee When a Woman Buys Fora Man — RS. Santa, Claus,and Miss Santa ee ees Claus, too—Be careful feos you buy ‘ gifts for a man.The thin give men at 28-tim omatent been the subject of a lot of joking. *it's because sp , many women buy things no man would buy for himself—and dount want. When a wo- Man buys for a man, she needs th ice of a man. And a man’s store like this is the place to get it. About the first thing we would rec mend {is Holeproof Hosiery... Men buy it “i themselves, which proves théy like-it. And in the holiday package w. makes an gift. an fancy styles in siik, silk and wool, lisle and —e- All colors, From 50c to $1.25 per pair J. M. SCHINBEIN & SON Departmental Store, Listowel , : STORE YOUR BATTERIES arate PAYNE'S 207 SERV