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Lord Salisbury's speech itself con- veys an intimation that no such :yflourse will be folloWed. He «distinct- 15‘ says that in dealing with the ant- nexed commonwealths England will be animated by the same spirit which she has exhibited toward her colonies for many years. That is to say, she will ‘ 'ursue in the Orange Free State and m the Transvaal the same policy uf appeasement and conciliation which she has followed in French Canada. The fruits of that policy in the Prov- ince of Quebec have been loy-tlty and affection, and. under similar Condi« tions. :1. like harvest may be ultimate» ly garnered in South Africa. Such. at all events, is the hope expressed by the Prime Minister. "Our utmost ef- forts," he says. “will be directed to- ward that. goal. Our morives will be the motives that have guided many generations of English GovernmentSj in their treatment of the colonies. and. before many years. we trust that the affection which will unite the cola onies in South Africa to the Govern- ment of the Queen will be as keen as the affection which unites Canada and the Australian colonies to our- Ielves." It is not by harshness and oppwition that such affection is-evok- -d. A fair inference from the words just Quoted is that. at the earliest practical moment, the inhabitants of the territories which have been" hith- erto known as the Orange Free State F .the South African Republic will am the largest measure of local autonomy which is compatible with adequate precautions“ against an in- mrrecztion. ‘ ‘ In the speech made by Lord Sufis- hn‘y at a meeting of the City’ of Lon- domConservative Association we have an ‘anthoritative announcement of the treatment that may be expected by the Transvaal and the Orange Free State. The words of the Prime Min- hter, however, should be examined carefully, for much stress has been laid upon the declaration that “not a shred of really independent govern- ment smbnld be left to them.” This sentence must be construed in con- nection with the context and in view But can the Boer republics, trans- formed into British colonies, be forth- with permitted even to exercise such almost unlimited powers of local self-government as are conceded to Canada and Australia? The Cana- dian and Australian commonwealths have the right, it must be remember- ed. to accumulate military stores and to organize a militia on a large scale. It is evident from Lord Salisbury’s Speech that, for the present, at all events, that right will be withheld . from the citizens of the annexed re- ’ publics. That is to say, the form of local gOVerament, which will be at _ first deviSed for them will resemble {that applied in the so-called Crown colonies. wherein only a minimum of. political privilege is delegated to the voters, or else it will be a type in- termediate between that and the al~ most complete autonomy enjoyed in e self-governing dependencies. ‘l‘he flecise nature of the provisional in~ stitutions will depend largely, no doubt, as Lord Salisbury pointed out, . on the conduct and temper of the . Boers. It is probable, also, that the 3 views of the large. if not preponder~ ‘ 't, Afrikander population in the epe Colony will have considerable ‘igh't. It would not be expedient to ; convert into violent. hatred of Eng- .7‘9hnd the sympathy which the Afri- kandere have naturally felt for their kinsmen of the Transvaal and the Orange Free State. The Boer is al- ready a hero. It would be imprud- ent to make him a martyr. 5c, was the following: The Pretoria Government was at liberty to nego- tiate and conclude treaties with any foreign Power, hint these treaties mld not be valid, provided, within dx months after their conclusion, Great Britain should exercise the 0p- tion of protesting against them. “'ith this single exception theTrans- vaal had as much independence as the Oinge Free State or the United King- dom itself. It is obvious that if such independence should be suffered to continue the Boer republics might again emp.oy their rewenues in the collection of mili1ary stores and await volved in a struggle for her exist- ence. It is manifestly this conting- ency which Lord Salisbury has in mind-when he says that precautions must be taken that will render it imwible for war to break out again in South Africa- Such independence, the-,refore as was formerly enjoyed will be henceforth deemed inadmisâ€" sible from the British point of view. of the pOXiLical state of things which the war has put an end. ~We should bear in mind that, up to the outbreak of the contest, the Orange Free State was an absol'uteiy independent commonwealth as re- tards not only its internal affairs,.b'tt air-20in; foreign relations. The sole re- striction imposed by the Convention of 1884 on the independence of the Transvaal, or South African Repub- EDITORIA L NOTES. to' There is a general ooncensus of opin. } ion among good fruit growers that; there is profit in the business if con-a ducted properly, but not more than1 every other man follows the business with a just conception of its needs, While local differences may make rules and advice concerning crops and methods of culture inapplicable for all sections, there is, nevertheless, cer- tain advice that will be of service all over the country. To go into these! points of success in detail it is neces-i sary in the first place to give not only 1 good tillage to the fruit trees and; bushes during the growing season, but intelligent and methodical cultiva- tion. Let the experience of one year teach something that will make the work of the next more satisfactory, Good cultivation, which can best‘be done by planting forage crops in the late summer and covering them under :in the sypring. Such green crops help Eto keep the land warm in winter, and 3improve the mechanical conditions of it. Trees and tender vines and bushes YEARS 9F AGONY. m (25324 N!" can! I“. y, Pita; LVltus Dance an" a Slew nus. A TRIAL BOTTLE “at? E! of ALL CHARGE to any sufferer sending AJ‘_-_- -- RESULTING mom SCIATICA IN AN AGGRAVATED FORM. Manny Nights the Sum-rot Could Not Me In b Red. and Ills leg “'11:; Frequently : o swoiien to 'l‘wke Its Natural Size. ‘1 From the Journal. St. Catharines. 'n Mr. John T. Benson. stationary en- ,1 gineer at the Ridley College, St. |f Catharines, is known by most. of the 'i1 residents of the city. For years Mr. L“ Bensim suffered acute agony from a sciatica, and notwithstanding num- k ere-u: forms of treatment, found little '0 or no relief, until he began the use of d Dr. Williams’ Pink Pills. These pills h speedily restored his health, as they f have done that of thousands of r others who have given them a fair e trial. To the reporter who inter-l viewed him. Mr. Benson said zâ€"‘Tl certainly owe a debt of gratitude to; Dr. Williams‘ Pink Pills, for they have released me from a form of tor- ture that had afflicted me almost continuously for twenty years. The pain began in my back. then shifted to my hip, and thence down. my leg. It became so severe that it; seemed as though the very marrow} in my bones was being sculded. and 9f at times I could scarcely repress cry- it ing aloud from the agony Iendured.§a I tried all sorts of liniments and lo- is tions, but got no relief. I doctored It with several physicians, even going '1 to Buffalo for treatment by a special- l ist there, but in no case did I ever re- 7] ceive more than temporary relief. [t .( maybe easily imagined that. the pain: Iendured told upon me in 01 her ways 1 and I became almost a physical,‘ wreck. At times my right. leg would ; swell to nearly twice its normal 3; size. Then the pain and swelling ' would shift to my left leg. and the; agony was something awful. lsuppose : that during the period 1 was afflicted? 1 have hundreds of. times laid on myl back on the floor with my foot andE leg elevated on a chair in order to} obtain Slight eusr- from the pain It endured. The muscles and sinews In: my legs looked as though they hal'. twmted and tied in knots. The tron-i ble went on‘ In this way until finally, nothing but opiates would (leadezt; the pain. A few years ago 1 read of; acute in asunilar case ihrclugh the; use of Dr. Williams' Pink. Pills and; decided to ti}; .1 hem. For some Lm')‘ after Ibegan their use. It‘ouid not, see: hat they were hefpmg me. butll decided that Iw..;-uid give themafair trial. By the time Ihad used ahalf dozen boxes, there was ado-aided um- movement in my case, and I con- ‘l‘._ ____s:"'kA“ t h n a t e v s o “nufiv‘ ‘U -"’ OUu'I V. U. I.--.-: as their can. and address an mentioning this paper. mThe LIEBIG C0 :79 Kin? say" 0". O. ytv'mvâ€"v unued. the use of the pills until Ihad taken twelve boxes, when I‘m,“ my cure was complete. Severaf years have. since passed and Ihave had no return of the trouble, so that I feel safe in saying that the cure has been pef‘ma Dent: . ‘ . _....._ _--.R.- Lan.‘ r Fâ€" I may also add that my \vzvfe has used the pills for indigesuon, head- aches and dizziness. and has found great benefit from them. Words can- non express the great benefit Dr. Williams’ Pink Pills Have been to me, and. I hope sxmilar sufferers will pro- fit by my experience.” ' â€"â€"- L_ -â€" Dr. \Vi-llmms’ Pink Pills cure by go- ing to the root of of the disease. They repew and build up the blood, and strengthen-the nerves, thus drzvmg dxsemse from the system. If your dealer does not keep them, they will be sent postpaid at 50 cents a box, or six boxes for $2.50, by addressfing the Dr. V‘Villiams’ Medicine 00.. Brock- ville. Ont. ‘ _ - “ IN T HE ORCHARD. ggrower of larger quantities of fruits i must have work of this kindao system- Eatized that it can be, done with the i regularity and swiftness 01 a machine. g When growing season comes the ”orchard must be protected from the :worms, blights, mildews and other peers. There is no half-hearted work that will do this, but every lounce of poison used in spraying should be for a purpose and intelli- gently applied. A good deal 'of money is wasted in spraying the same as considerable is thrown away in ap- plying fertilizers. If you do not know “what the spraying is for it is better 'ito leave it alone until you do. Study and observe the work of others. There is no question more important to fruit. growers than that of thinning out fruit. It is hard for some people to pull off fruit tlhat might be sold ata profit. But the era of the poor fruit has gone by forever, and to secure first-class fruit it is necessary to thin out many from every tree. ( By rigid- ‘ly applying such a system, one is bound to get fancy fruits that will command the highest market prices. These fancy fruits are the ones that make the profits in the best. markets. If we spend as much time in raising fancy fruits as we do in cultivating inferior kinds we will surely find a way to make something more than a living. Fancy fruit packed and mar- keted properly will always find pur- Chasers even 'when other fruit is a drug in the market. Sometimes it is necessary to [ind Special markets for such p-roducrs, but in the end our reward will more than repay for the energy given to the work. HARROWIN'G CORN. Some kinds of corn will do better than others on certain soils, writes Mr. F. E. Bradley. I have been experi. menting with seed corn for six years and have a variety that I plant on thin soil that will outyield any oornI ever saw, while I plant: a. different variety on strong land. In selecting seed com I take my wagon and drive out to the field before there is any frost. Take a basket, go through the field and tick the medium-sized and well-develoged ears from the best stalks. When I get 4 or SbuI tie the ears together with twine and hang them up where they can dry out Lbefore a freeze comes. In this way I have never missed a good stand of -corn. Corn followed by oats, is the. proper way to raise a good corn crap, unless it should be to plant on sud. Where 80 many make a mistake is to plant the same field to corn three or four years in succession, and of course always glow the groin-d in the spring. Corn after corn is what wears out land. One year small grain and then one year will never wear out land, if. you will feed the land and keep‘ it up. Stubble ground is clear of stalks and trash and Ecan be tended much better and with glass labor than stalk ground. Pruner- fly fitting the ground before rplanting :is the most important part of corn 1 _ 3 culture. The burrow is my main tool in. tend- ing small oorn. First the ground should be perfeCLly level, so the plant~ er will run at a uniform depth and give an even stand of corn 1 keep the h: urcm running from the breaking ploxx until the corn gets 4 in high Then I use the eagle-claw cultiva- tor for the first and second plowings, and for the third or last plowing take off the eagle claws and put on the gangs with the fo‘ur big shovels. I like them better for laying by corn, as they cover everything up. Should ground be rolling, I prefer the little ’shovels, as the ground would not wash lambadiy. There is something in good seed corn and something in manure, but the main point in raising a corn crap is knowing how and sticking to it. . ' Evangelineâ€"Have you become ac- quainted with many offibe young men in our social circle? " ”Angelinaâ€"0“ vac: Iknow a“ thing or two. is Urlc Acid in the blood. Unhealthy kidneys are the cause of the acid béing there. If the kidneys acted as they should the would strain the Uric cid out of the system and rheuma- tismwouldn't occur. Rheu- matism is a. Kidney Dis- case. Dodd's Kidney Pills have made a great part of their reputation curing Rheumatism. So get at the cause of ~i'nosa fearful shooting. pains and stiff, aching Jomts. There is but one sure way- MEANING DUDES. Barry Sullivan, the Irish tragedian, was playing in Richard III. some years ago at Shrewsbury. \Vhen the actor came to the linés, A horse, a horsel My kingdom for a horse! some one in the pit called out: ‘9 m 113 Wouldn’t a donkey do, Mr. Sum... van? Yes, responded the tragedian, turn- ing quickly on the interrupter. Please come around to the stage door. rong since Nerviline’s in the market. Ncrviline is the great nerveâ€" pain cure. lts penetrating and pain subdu'mg power is such that relief is almost instanwneous. Try it and be convinced. Blow st Your new servant girl seems to be slow but sure. Oh, yes; Ipresume she’ll break what brLcabrac there is left if we give her time. FOR OVER FlF'I‘Y YEARS MRS. WINSLOW'S SOOTHING SYRUP has been used by mother: for their children teething. It 800 has the child. garner-.0 the gums. ullnya pain. cures wind colic. and is the beat remedy for diarrhoea. 250.; bottle. Sold by all drugaists throu hour. the world. Be sun and ask for ” Mn. Winslow's oothiug Syrup." NOT EASILY DISTURBED. Nothing seems to disturb the aver- age police-man. No; they carry their don’t yvorry clubs around with them. LOOK TO THE STEP. A person in robust health walks with his toes pointed to the front while one with his health on the wane gradually turns his toes to the side, and a bend is perceptible. STATE or Omo, Cirru- (.F TOLEDO. }88 Lucas COUNTY. ’ FRANK J. £111.:qu makes oath *lmt he is s -nior partner of the firm of F. J. CHENEY 8: (30.. doing bminev-s in the City of Toledo. County and Stut‘: aforesaid, and that. said firm will pay‘ the ‘um of ONE HUNDRED DOL- LARe‘ l’or seen and every case or CATARRH that. cannot. ze cured by the use of H.\LL'S CATARRU CURE. _ ' FRANK J. CHENEY. Sworn to before me and subscribed in my presence, this 6th day of December. A.D. 1886. : """"" : A. W. GLEASON : SEAL. : Notary Public. Hall’s Caren-h (lure is taken internally. and acts directly on the b 000. and mucous surfaces of the system. Send or testimonials. free. F. J. CHENEY 8; 00.. Toledo. 0. Are there no eggs with the ham for breakfast this morning? asked the Ob- servant Boarder. N0, replied the Cross-Eyed Boarder; this isa ham and eggless breakfast. CORN SOW’ING Is a. promos conducted by the agency of tight boots all the year round, Corn reaping is best conducted through the agency of Putnam’s Painless Corn Ex. tractor, the only safe and Sure-p055 corn cure. Putnam’s Extractor is now widely imitated. Beware of all poisonous and sore producing substi- totes. Sold by Draggists. 750. Hall’s Family Pills are the best. 11} Portugal married women retain theu‘ maxden names.- fl ” Tho Balmoral, Free Bus 33bit: FELL FLAT. Was the strike :1 success, Mike? No, begorry. there was nivver a scrimmage jurin' the whole av it. vvâ€"vâ€"v- _â€"'- Railway. First-elm Commercingouu. Modomim proveths-Rstes moderate. 81'. JAMES’ HOTEL ’A’VER‘UE‘ "ii“o'USEL-g PM‘Q~W“W Q. M m WOW” ,‘ i Easily r Eafilly Yesâ€"the best made: They' re easily handled and u wk g Handled smoothly, evenly. without str 1%: ( ' ' ' or dullness. It you want good i.“ color and paint: that last through sun and storm, use - .‘ , _ RAMSAY’S it PAINTS made with exactness, tron) years of experience, with just the pro. per proportion“ of the proper md- .51 ‘ term“ 3.1;, mi E H Ramsay ‘ 3°“ ’3' mm mm: ‘ .M am «pm a, ~wwmw‘m. THE INFUSION OF 'â€" CEY LON GREEN TEA is superior to that of the finest Japan tea growa. N0 DOUBT OF IT. MONTREAL HOTEL DIREOTORY. The Trade Winds THAT WAS ALL. Mannâ€"Cones. A'venu Family Howl ate: $1. " o poaite (man; 15696:; "'12:; blocks 33091 C._P. iiiâ€"dim do Mr. Sulli- THE IJARGEST FAMILY. The Duke of Pa-rma has a La'rgvar family than any tether Prince in Eur-‘1 ope. By his first write, a fPrincese of'vI Bourbon-Sicily, he had nine children?! 311 of whom who except the e1dest,~ the late Princem of. Bulgaria. Byéhis second wife, who was a Princess of Braganza, and a sisfaer of the here- ditary Grand Duchess of .Luxemburg. he has nine more children, the young-'- est daughter being onLy just a year old. He has, therefore. had a family of 18 children, of whom 17 still sur- ~vive. ; ~, ' ' -' "AEUR AL HEN INOUBATOR. 100 EGG HATCH B costs only 1192. plan of co ”reactions .IV ICKER try. Albert». catholic Disinfectants. Soaps. Olnt- meat. Tooth, Powders. etc" have been awarded 100 medals and diplomas for superior excellence. Their regular use prevent. infecti. one diocesan. Ask your deeier to obtain a supply. Lists mailed free on application. catholic Prayer “gmx'gmgigg: Rclizim}: Pictures. Statuary, and Church Ornsmenu- firluoanonal Works. Mafl‘ordera receive prompt amen. two. 0. J. SADLIIR 00., Montreal. vvâ€"‘â€"-v â€"'..â€"-v :::d other 9360mm. to ornateâ€"bat ru'ulta consign ii The Dawson Commission 60... limited. cor. Wat-Hark“ a colbomo at, Toronto, POULTRY, BETTER, EGGS, APPLES. __ ’M - A..- .‘n‘... LAW “vv- -v. â€"'.v- uâ€" 'vâ€"- ' Montreal, Toronto, Ottawa, Quebec. Whig! _ 6596.335ng Whaiey Royce 00., Lowest prices ever noted. Fine catalogue 5001110. truions mailed free. Vrite us for anything in Music or Musical Instruments. Every Town can have a Band The Ganada Permanent and Waste rn Canada Mortgage Co rporatlon. 83 u) Ornamâ€" Capital Paid Up, $6,050,089 Raserve Fund, - I,5005000 Prenidonbâ€" _ George Goodorham. mutton Onmtsâ€" ' mnmpag, Mam, Vancouver, 8. 0.. 8t. John. N. B. !. Herbert Mason. 2nd Vice-Presidentâ€" II. II. Beatty. Walter' S? Lee. lat Vice-President and Chairman of Executive Cmmuiv toe- 5113.11331ng Djrotorâ€" .. BRITISH Ammcm nvsmqoo." PAINTS? Yesâ€"the best made: They’re easily handle smoothly, evenly, wit or dullness. It you color and paint: that made with exactness, tron) (”rag of experience, with just the pro. ' 7 per proportion ot the proper m:- e teriah. e Lack {of 33cm, in your tofu, or seqd (greet: Instruments, Drums. Uniforms. Etc. ' r. c. GALVERT co., .ANOHESTIR . - ENGLAND. For the very best send your work to the EILV ERT’S Canada Permanent Building, y Importer and exporter of ;- Raw Furs and Skins. Con- signments solicited. High- est. prices paid for ginsing. H. JOHNSON, 494 St. Paul street, Montreal' Toaox'ro ST” TORONTO. FOR SALE. FU RS. ' F'U RS. Hilly. Mill. 8 Halo. Barristers.eto..remotod to Weslea’mdzsn Rich- mond 8h. .. Toronto. W PC 1028 ‘ Deposits Received and Interest Allowed Debentures Issued in Sterling and Cur- rrency. Money to Loan Toronto. Ont . and Winnipeg. MIA ALWAYS A WINNER. LUDELLA CE? iON TEA has the reputation of 62m; the most regular in quality. Lead Packages. 25. so, 40, 58 and toe The Ontario Mutual Life Assurance Company. It. Banner Yearâ€"Advancing all Along the linerâ€"A Most Successful Gatheringâ€"A Poiioy-Holder’s Company. The thirtieth annual meeting of this growin Company was held in its new end elegant Bond Room on Thursday. Ma 24.1900. atl pm. 'gbe at endance Was. as usual, large; and the proceedings were characterize by the greatest harmony and esprit. Toe Pres}de S. Mr. 1305' ert Melvinuot Guelph. occupied the chair. and. ‘among those present. in addmon to M r. '1 . 1?. Earl, Suponntendent. and the Company‘s agents. we named A1; red Hoekin‘..3.0.; B. M. Brat- Lon, Q. 9.. M.P. ; F. C. Bruce. J. Kerr Fisken. B. A.; E. P. C ement‘w. J. In d. B.A. : .Geo..A.. Somervme. Hon. J. T. Gan-ow. Q. 0.; Wm. Snider. Jag. “one, Dr. Webb. Rev. Mr. Gflohfllfi- .A.éVIigLa1-. Q.C.; George Moore. D. dean. George Diebel. Mayor; Frank Knight, L. Graybul. an 0 exe. . ' . On motion. Mr. W. H. Ridden. Secretary or ohe Company. oted as secretary of the mech- xng, and at the request or the President. read Your Oireeto s respectfully submit for your consideration their report of the business for the ear ending ec. 31. 1899. . . . e are pleased to inform you that the busmess was of the most gratifying character. and in volume exceeded that. of any yet in the binary of the Company. pur surplus was huthcient to enable us to continue the same liberal scale of surplus diatribe Mon to policy-holders- as in the past. The death race Was light and much below the expeetauon; the lap see and aux-read- ers, in proportion to new .buuin‘ege and that already in force. still conunuea to decrease. nan pan 2 ___...A ...A 1....) _‘ -_-L:._L fl film 1-- 0‘ U. Q“ 'erv. --vâ€" vv -' v- â€"v- v â€"â€"â€" wâ€"_ v.. _ _ _ t Ap lioanons numbering 3.313. for $5,484,762 insurance. were received. of which 2.896. for 34.7510 6. were accepted and policies issued. and 1.011 for $168,250. weze declined. The number or policies in force 39 18,819. amounting to 326.916.441.20 : -tue lteaervc. Actuaries’ 4 per cent. on amount; of licles 11) force is 84.321.138-1 64 ; Premium and Ann wity income. $‘53,SB'.13; Interest and Rents. 197,599.06:Sundries,$6.48. Total lucome.$l.05l.396.19; Total Asset.a,$4.f)63.553.45. 'l‘h amount paid no olicy holder-a wai 83.55.901.80. embracin Death Claims: $169,174.71 ; Mature Bugdowments. 54,441.00; Purchased Policies. $54.£55.6 ; Surplus. $76,850.28; Annuities. 83.- 99 .15. The surplus over all liabizitics on the Company's Standard Aotuarles' per eenn.$302.- 855.28; op t‘uo Goverumonp §ta1§gard {hung yer ceng. “91.39400. -L A h-_-_._.‘-.‘_. ..n‘Aâ€".3nA oLA 7m..-uun-nn ”089. V“ vuv vvvvnumvuv vvnvuuw-u ----â€"- -3 y~â€" â€"--â€"-.. -â€"- â€". _ _ - .- Aâ€"t he last session of the Dominion Parliament. the Government amended the Insurance Act, giving much larger 300 e for the investment; of money. and raising the standard 0! lie- éorve from 4} per cent. to k per cent. Hm. the latter amendmentw be gradual. and to be accomplished within 11! een years. The amendments we believe to be in the right direction, and in the best interests of poltoyholders. W e have at present. a bill before the Dominion Par. figment, asking our Charter to be amended by changing the name of the Company to the Mu- tual Life Assurance Comfan‘y of Canada. and by chanring the date of the annual meeting from the figurgh Thuridax _in 1V ayto the first. 'i‘hurséey in M‘et'ch. ‘_h ____--_--_- -“ â€"L- fins-‘5‘... “IO L"ul uu Luulfiuw] an A'LIJJ vv uuv ..-.;- Mr. George Davidson who had becu'cne at our auditors for some years. and whore arm. ed the duties of that office to the complete satisfaction of the policyholders and t 0 card. reigneg his posit'on can-[yin the y‘cer. end tzh‘efioef‘d :wpointed Mr. A. J. Brewster in his A .3 A‘-- f‘ ._-‘-_.-,- k--.~.'-A‘.~ ‘fi ‘n-- 1“ ‘I ‘t. "".‘~J n.- â€"v- ‘vâ€" ‘tâ€"â€" L'U'l MW "13 yvrbv vu vac-I ... uuv Jug.-. -“ uuv "v.--_ .‘w -__--._ at . In consequcuce 0 he steady aha rapid growth of {he C vmfiifiy’? 61.15;!!6-3‘3. ii: has boo come necessary to have a mommy audit. This is now being done. and a reportis submitted to the Board at. each meeting. -,__, £___ .1. .u__- L-..‘ â€"-A“ :..â€"A..LA.I -â€"J 0“- DUO uuunu an vauu “Lou unug. Interest on our Investments was promptly met; our funds were kept well invested, and the rate of interest did not var materially from that of 1898. With the increased fiend to!- invest. ment which the amended naumnoa Act gives. we may for some time continue to earn a rate abogt equal tqjhatnearncd dept-exent: 3-- Al... -42-- L..- L .A_ -..:o- :rannu-t-n OHAOH (43“;finn .UUILL' vquaz LU tuav wuxv mu .1: v-‘vuvo For some time the accommouation in the office has been quite inadequate, and an addition baa been made thereto._sufli_ciez_xt. we think, to men; our requirem’enr-z {or many yeah. __,,L._. -a-|..- 1)-..-) n ‘0 BM Uccu Luau!) uucscw. oumuxouu. no uuun, tv Illvvuvuu .o‘....- .n - --- --_-_ Darin the year we lost; by death a much-valued and respecsqd member of the Board. C. M. Taylrlr. . Taylor wasa member of the Board of Directors and let Vlce-l’roaidexw from the 11100 tion of the Comg‘gnly up till the Lin) 8 of his death, and he will be much missed by his Fel- low- vectors. Mr. il iam Snider. of Waterloo, was appointed 111:6ch in his stem. on will be called upon to elect tour Uixecbors in the placo of Hon. F.W. Borden. W. J, Kid Wm. Saider and R. Melvin, whose term of office has expxred. but all of whom are 9113. ible for reelection. R. MELVIN. President. In moving the adoption of the report, the President eaid the business was in every respect ntistactory. and exceeds that of any other year in the history of the Compan y. The amount of new bugmces issued Wee $4.7bl.026 0e. an increase over the amount ipsued in 1893 of 81.000.- 672.00; the total in~urance in force 326.915.441.53. an increase of 53.241.462.20. :1 gain which muct be satisfactory to every policy-holder 01 The Ontario. and will more than compare favorably with other companies in respect to the amount added. Th e te<t or business is not !he amount 0! new insurance issued, but the amount added in proportion to the amount issued during the year and that previously in force. By this test the past year was the most successful year in our history. In every other respect that denotes prosperity and stability. the operations of the year were ore-eminent. We added to our income. 3127431..“ ; to our reserve 318128.370 : to surplus 831658.40: to assets 3522242397; and paid $76,850.28 in surplus to policyholders. an in- creagse of_$1.8_19.58 over emount peid in 1g98, _1_n-_ ‘L_ -..__.__L.o“-n “â€"2 .--.‘x n-QA-A LL.\- ma. “- V‘ '0'“) V V‘QULV'W V V U. “Lava-Iv rm“ a.- nvvvo Our dzath rate co-ztinues to be much below the expectat‘on. and was more than met by the interest on investments by the sum of $29,145.13' ; the cash aurrendorg were 37.529 less than in 1898.and lapse rate 111 proportion to amount of moumnce 15:51le and to force was also much lose. ' ' With regard so increasing the standard of reserve required under the new Insurance Act from four anda halt per cent. to three and a halt per cent... I have no hesitancy in saying that ”will not trouble The Ontario Mutual Life much to comply with the terms of the Act lnng before the time given: in tact. wuo it; deemed advisable it could b3 done at once. or withi: a Varxahort tinge._and 391)} 116938 2. vegy‘handsome snrp‘ms. __e_.___._‘ 3â€"; ‘__ {L “-- k‘ :“-A-A. ‘.-~ .A “A" “0“” V00] [IRVIU Ulmv. an“ nun-t -‘ w- v v vna J.w--v'o_nv --. At the end of the third decade of the Company's history it may be interest'ng to look book oer that period and note the pro re a that has been made and what the results have been to our policyholders. On February 5. 1871. the first annual meeting was held. the report show- ing rocel ts amounting to $1,955.52 and e .r‘enditurcs $3,182.56. leaving a balance of cash usssu of 81.172. and di<closmg twtal as‘eta of 4.743.37. What baa been accomplished since ma be eaned from the followln summary: Total premium income from 19:0 to 1900. “$80.67 .31; oath claims paid. $1,782,341.11; endowments and annuities paid. $387.369Jl: surplus paid to ollcyholders. $1=38.‘27.61; total payment: to policyh<~.dem. $3,833,917.99. waile on J noun-y l. 900, the Company held ln reeerve for the security of and humming to its policyholders the sobetantial sum of 4,32$,(:30.G1. In conclusion I eel at“? r31 that you will agree with me. that The Ontario Mutual Life ban in it all the elements t‘nt constitute a. strong and pregresaive Company. that it has done as Well, if not bette r. for ms poiicyholdera than any other Company. and that lt has received in the pest and deserves in the tu'ure the tallest confldc nce of the public. .._- I." In supporting the motion the first Vice-President. Mr. Alfred Hodgkin. Q. 0., miithat h was pleased to state that the funds of the Company have been carefully invested by t e Beer at the best attainable rate, in View of the feet that none but the highest class of eecutities are accepted; It must be a source of great sa'isfaction nor. only i o the i‘ompany's policyholders, but to the magenta and all others interested in ita future Welfare. to know that the investments of the Ontario Mutual Life are admitted to be among the very best enl safest in the Dominion. The year 1893 was a banner year in the history of the (lompnnv, and he congratulated {he management and he a rel-o}: sniff upon the success achieved. He had no doubt that it. would continue to be the nmb lion orf all conneczed with thcin ~tiauiir n to maintain the high character vhich the Company enjoys for fair and honorable dealings not only with its pslioyhold erefimh with all others doing buimeas with it. __ _- --__ ‘ Iv- _ '\__ 0.1-- L A..-!_--£l L- ..--â€".......6..1n0n O-LA -rn‘;nlv- wwu an Ubuuru ‘ usug nun-noun vv up; I Mr. B. M. Britten, Q.C.. M.P.. tâ€"‘nd Vice-President. deaircd to ccngratuiate the policy holders on this the 81:2 birthday of our Most Gracious Majesty the Queen. and on what may be considered the 30:11 i irthday of the Compan . which is very generally admitted to be the Queen of all Canadian life Companies. This is in cod 3 “ growing time" in Canada, and succew seem: to be in the air. The progress of the Ontario Mutual Life dur no; 1899 was eminently satisfactory. and with it new, appropriate. and more comprehensive mime : n1 with the new impuiae that the rtpidiy-deveio ing innstrim and prosperity of Canada. impart. we may reasonably expect the business 0 the current year to fully a qua]. it not exceed. that of 1899. and that the steady increase which has marked our career in the est may continue to the end of the chapter. He noted muoni‘r other points that the Compun 8 income is over 83,000 per day. and that it pays out in lose-cs over $500 a day. He expressed the regret of Dr. Borden in not being able to be prescnt. and touched on the bill the Company now has hciore Parliament. Mr. Geo. A. Somerrillo. manager of The Huron 8: Erie Loan and Savings Company. heart. Hy concurred with all than had been said by previ-iue speakers in re ard to the Manager. the Secretary and Head Office Siafl’. the Superintenfient and Agency eta . and thought that the Company had re: son to be proud of such ofiicers and agents. ' M A N AGER'S ADDRESS. Mr. Geo. VVegenmzt Manager-,8tnted that as the President had referred to the legislation of 1899 affecting the Standard of ValuatiOn, he do ired to say a re w “'0de on that subject. Necessarily the premium rates of all com nnies were require] to be adju-z'ed on this new atl-nderd. and no My all Canadian compan ee increased their rates to accord with this change. .\'0 diflieult ‘~\ ill. therefore. be experienced in complying with fhe law. so far a»: new business is concerne . As to the businms issued prior to Jan. 1900. the change to the higher basis may be made: in two steps: . . . 1. From an l M: er 1910 all such business must be valued on a. 4 per cent. basis. and 2. From and after 1915 on a 3; per cent. basis. _ T he MW. therefore. allows 15 years in which to bring all the old businm-e to the ultimate standard of 3; per cone. and it» is not anticipated thn' any or the existing Canadian ocmpuniee will have. or ought to have. nnyjust ground for objectinn to this important change in the Act. Five ears ag) our Diwctorr' decided that. in view of the declining rate of interest obtain- ab 0 on rat-clue securitio .0, m "h as Life Companies were then empowered to invest in. our liabilities should be computed o: a 4 er cent. b axis. which has: since then been t‘ e Company's Standard. We have, thereforealre u y taken the first step in fulfilmen' of the law. which we wcujd not be comt‘elle'd‘to take Q1191 1910. 4 AMA C‘ I. ‘ A. A __. -EL‘-- I- INAâ€"Aâ€" , !A_ 0n reference'm the Abstract of Statements tor‘1899. I find that Ollt of the 17 Companiee reporting *0 the Dominion Insurance Department. only seven or them value their liabilities upon a 4 per cent. are higher bade. the others using the present Government Standard of 4} per cent. for the who e or part of their business. Out of the seven referred to. three are new Companies. wizh very little business upon their books. leaving but four old Companies that have voluntarily adopted tr e higher standard. Our position in this reape "t is. lheretore. very satiggctory. showing that the in- crests of our poiicyhzldcra are 03.“me safeguarded. With ragard to the second eter. namely. tum 1: to 31; per cent.. it will be seen that we. have fifteen years in which this mav be made. and I may say that there will. be no dimculty 1n ec- compziehmg it 10 s: before the expiration of the yequlred time. Tins coutd be done at once. and stiilleave a substantial surplus over all liablhtiea, but this I do not consider necessary under «31:133.ng cirpqmstyzqes. _ ‘_ A... ___I!__I -‘j ______ I A -PLI.-, L_ AL- ‘-__-__, A. A. movlr ,eecondco by w. J. mad. 15.A.. Uttawa. we rollowzng res :muon : . “ hat this annual general meeting of 1 he policyholders of the Ontario Mutual Life Aeeur- anoe Company hereby expresses its entire comurrence in the DYOVk’AmS of the bill now before the Dominion Parliament for the change in Lee name at the Campany to The Mutual Life Assurance Company of Canada, and the change of the date of the annual meetin . and requests that the members of both Houses of Parliament wil; smart the passage of the ill." The retiring Directors and Auditor; were re-elec . ; f VOTES or TBANKS. 10- II“ An hcutomary at Annual Meetings. after a year of great success. resolutions we passed to in: the most hearty thank-s of the policy holders to the Board of Directors, xecutive om thee. Medical D actor. Manager. Secretary. Superintendent of Agenciee. and the Head (”flee and ncy ata..e, for the very able and emcient manner in which they Diet-hard their r ve dunes during the past' year. The President. Manager. and other: her n acetul y acknowledged the compliments paid. “G Save the Queen" was sung in a bu ‘ patriotic (error. after which th': meeting adjourne . . ' item juiuzm'lox or THE BOARD. _ The Directors met hubseqnently and re-electel Mr. Robert Melvin President: Mr. Alfred ‘Hoskin. Q. 0., flat Vioe'Preelden’t. and Mr. B. M. Britten. Q. 0.. i. P.. second Vice-PM float of the Company for the ensuing year. ' ‘ I am of the opinion t'rat injustice to those policyholders who either by the terms of their policies. or by death or och ermsc. withdraw from the Com any in the near future. a sudden change in the Reserve should not be made. as vhese woul necessarily be deprived of a fair share of surplus that they wou'd othei wise receive. CHANGE OF NAME. E. P. CIenzent, Esq.. barrister. Berljn. considered the time opportune tor a change in the name of the Company. when the cut-2am is about to drop. closing behind it the 19m century. and when a new con urx so aboutt ) dawn upon us with,we hope. boundless opportunities to continue and enlarge the Company's operations during the incoming century. As ours was the first Mutual Li a Company chartered by Canadian Legislature. and is at“ the only urely mutual native fife company 111 Canada, no more appro riate name could be selecteg than "The Mutual Life Assurance Company of Canada." an he had. therefore, great pleasure in MOViUL seconded by _W. J. thd. B.A.. Ottawa. the followingfes :lution_: -‘ . - 'nn THIBTHETH ANNUAL MEETING THE DIRECTORS’ REPORT: VICE-PRESIDENTS ADDRESS. PRES IDENT'S ADDR E83.