»
s
at
xx,
\ Tin: `c!rAin*.oTraTowu enAnnrAu,i>acanraa1! 9,1955. _ K. _ I
\b
-,_'_"-_Fl _ . _L ,_ I " _ £ _` .` ‘_  " ~ '
f" ' ' 1 l"7"' _tr _-_~$ _b-', I*  _  i , - _‘T __§__ '  '-' _
: , . . I
.
,: il” Then probably its acold
' Babies eatch cold so easily
` _ and recover so slowly! Not
slowly, however, when ou
_ use Vapo-Cresolene. Then
_Q a single night is all that is
Q necessary for a cure. You
 ‘ just put some Cresolene in
the vaporizer, light the lamp be-
,,enili,_ and place near the crib.
while baby sleeps he’ breathes-in
the hearing vapor, Cold loosens,
inflamed membranes heal, and _all
,muble ceases. lt’s a perfect specific
for whcoping];:;>:igh gnderoup. ,M
v.ig<»°‘f~g°‘°_“.°.f'»i°v- 423% ¥'§."i‘n.

_ :-`\ \
OPERA HOUSE
Friday and Saturday, Dec. 8 and 9
Matinee Saturday,
STEIT Q C) ]N"S
0,-jginnl Big Double Spectacular Pro-
duction of
UNLLE T0fll’S CABIN
The llarnum of Them All under the
,nnnngcincut of Leon W. Washburn.
more Grand Novelties Than Ever
Gcorgeous scenery with' beautiful
clcctrii-_il Effects, Brass Band, Two
p,mny Marks, Two Mischievona Top-
sies, Gi-uiiiiie Southern Cake Walkers
Buck and Wing Dancers, Male and
p¢,,n,i¢ Qnartette, Man Eatinglllood-
liounds, Grand Vision and Transfor-
iiiiiiion Sceiics..
\\'utch for the Street Parade.
time-.s~, 25c., 3;c. and 5oc. Matinee I5c
iniil25<~. Plan at the usual placeg-id _
21
Everybody Come, hverybody
Welcome to the
TEA and BAZAAR
-IN THB-
ilarket Hall Thursday Dec.14
Thc Ladies' Aid of Z‘on Church
will hold their annual `
usa App SALE
THURSDAY NEXT DEC. 14111
There will be nn apron fable,
fancy tible, dressed doll booth,
tea tables, refreshment table, ice
crcini table, homemade candy
tahlenll of the best. '
Adinis.ioo ioc, tea 25c. Children
under Io at reduced rates.
1P»l|i
i
Auction Salc
We arc instructed by the owners to
scll hy Public Auction at the store for-
nierlyoI:cIipicil by Webster 8:. McKayO1i
WEDNESDAY. DEC. 13th
AT 10.30 O’CLOCK.
All thc fixtures in said store consisting
Of SMC. show cases, Bowser self
niciisiiring oil tank,(c ost $65.00. )scales,
ilcsk,c;i:;li register, tables. plate glass
inirrnrs, 2 coffee mills, etc., etc., also 2
fine liorscs, wagon, 2 sleighs, harness,
etc., nisn some job lots of groceries
whicli will be sold regardless of cost.
_ this is nn excellent chance for intend-
ing purchasers.
BENJ. CARTER & C0,
‘ill -ti Auctioneers
Piano lessons
1__
Miss Alice M. Harrison, Graduate of
l\lounlAliisou Conserv_atory of Music,
Sackvillc, N. ll. is prepared to give
lcssinis on the Piano. For terms enquire
at Mr. A l)owu’s, Upper Great George
Strcci. ` _
I2-9.liw.`
Xmas Presents
0nr Xmas Goods which are being
0P¢iiL‘d daily are very attractive.
T059. games,rlolla, fancy china, toilet,
gianicure and jewel cases, glove.
andkercliief and tie boxes, sheet
flllslv. calendars, Xmas cards, music
liinks, photo frames, stationery and all
nids of musical iiJs_tru-ments.
ll. A. Tanton ® Co.
Great Geor e Street.
l2!1dix» t\vw3m_ g
<_______i_.____.@_
Farm For Sale.
GTM executors of the will of the late
bmfiie Clark. offer for aale that valu
F le_ mm at clnktown, Lot in
fronting on Hillsboro River, two mi er
;°l11 Mount Stewart. This farm con-
;‘°l8 Of :oo acres of upland and so acres
ofmarsh land; all but about so Acres
It ff “plead ia oleired'and< in-a good
mate o cultivation, éhe balance is
fvereil with rails an lumber. The _
‘lim has streams of fresh water along
,,}'°,;j,“§°°fiii.. ana an ni .imgiiiiafi
' an li d an | ii
31°" pmimify ld ure ngniiiei was si
t frlver. The rail mil is biii
03° miles distant :iii ina :gm inn
d °- On the pi-amine are a comfortable
,,,]'°‘"‘=s. large am, mais- ani emi.
,‘,“S» implement an an iaiiiaisgi.
?~ fiiniri- maui in-m ac.
rid-.§_._p_‘ii‘.m:‘;:s§ I
,°_‘3d;nl;¢:tf¢tl;.“ lottswvnii I
. ._ 55-._.,,‘_`~w‘.. i _ ». . v . __________
llvdil. ..._
Ht.,-,gg The B&l'Jy'S1cl<? a
r
nada _s inspection Of y i A
Effective  Thorough
ii-O-1-___»__.l
,_
s
t
t
i
value of the assets is not overstated,
tl
iiinleI‘cstima.t.cd unil that tho incomo
and expenditure arc accurately set
forth, and where any such st-aternent.
is found to be inaccurate in any par-|
ticular to correct the same and pre-
"5 of the Insurance Act.
by thc companies may be divided in-
cornpiling thc same placing upon an
Ottawa. Nov. 28-The following ist
a statement of the manner in which C
|i'1Sil0Cl~l0I1 of insurance companies in B
Inspector Fitzgerald malics the rc-
iiori to Iron. w. s. mining, Minis-`
tor of Finance. Ilc savs that in t
what are the features which arc look 3
followingz- - r
. Tho principle object outlined in i
blank forms sent to the companies
thc Insurance Act, have been correct
cccrds of the company, that the
rat thc companies liabilities are not
cnt. the statement as corrected to
hc minister to bc laid before parlia-
Errors met with in statementsmade
o
(a) ’l‘hosc arising from thc. ofliccr
lem an interpretation at vnricncc
ancc branch of the finance department. E
_ P
October, 1905, for a special report c
cd into and to what extent lnspec- 2
"0" is 0-ble lo E0. ll0 Submits the bore out the values contained in the'
every inspection of ai company in to were sent to the companies conceracrl
,.,_,.,[y um last sworn Stawment made with an intirnation that in the judge-
by the company' to this oillcc, to as- ment °f the dell”-l'll11¢l1l? the Values debentures of each company which ao-
ccrtuin ii nie items onion for in the ih°“1d b” “’”m°“ d°‘”“- which i““' Companies and lofms il Part 01 the
A company's real estate usually dna interest (il any) is checked every
onsists of two kinds, viz.. (1) Real year during the currency of the mort-
statc purchased by the company for`g
nd in
age with the mortgage ledger. From
(}a,,ad,,_ is carried on by me insub office buildings for the company’a uscltime to time all the policies of fire
surance relating to the `iildings on
(2) Real estate reqircd by the mortgaged properties hcl by com
foreclosure of mortgage. panios are examined. This is not
As to the former it. may be said done in the case of all companies ev-
hat it is usuhlly but nov always in-‘ cry year, but is don_e'in the case of
r ' inacrted in the 'cturn at the cost one or more companies each year. A
complmnce with request' dated sth M rice to the company, and in auch few irregularities are generally found
_ _ ases thc return is verified by refer- where such examinations are made,
‘Ealing Wllh lilo ilioliiior in which lilio ence to the real estate ledger, On a but on the whole it has appeared in
inspection of insurance companies by few occasions in the past where twoitihe past that the fire insurance is
this omce is -can-icd. ,my showing amounts at which buildin = were held well looked after and I know of no
51 ‘
ccmcd to render it desirable, we _:asc in which a loss has occured
eturn and whcro the contrary was B
hc casc, copies of thc valuation
rocured valuations thereof. Such 'through want of proper fire insurance
uch valuations in some- instances protection.
ONDS, STOCK AND DEBEN-
TURES OWNED BY COMPANY
The schedule of honda, stocks and
“tion was Sometimes llwdedi UU annual return is verified. For this
l do not think that unde_ the stat- in
1 .
frointhis_ office under thc authority of "ml i"Va"i“blY~ O iurposc all such bonds and deben-
res are counted and stock certifi-
ly cntcrcd therein, to sec that they ue the department could Wll¢ll0‘Jl- -‘ ‘catcs examined at the hcad ollice of
f
i
f
(_
ii
it
may hc mentioned thc case of losses
outstanding at thc date ol thc stato-
incnt. being Oniittctl, thc coinpa.ny’s
ofliccr’s taking thc vii-w because they
hnvc not been rcportcd'to thc com-
pany nt. the datc of thc closing of
not be reported to the Government.
All of thcsc classes of errors we cn-
dcavor to correct. _
i'cprcscnt.aiions have been made in
_ __ _ p, I, A
ccnling tho truc staiiding and condi-
tion of a company.
bclow.
lcdgcr arc cxamincd and also were
( ... - ' ~ _
book and other records oi the com-
pany.
pany are aaccI'tn.iiicrl and tlic'dispos-
ul of flint. cas-li accounted for in thc
policy liolilcrs for tliviilcnds to stock-
lioltlcrs for thc gciicral cxpcnscs of
thc conipany. in this way is found
thc exact amount of cash which thc
company has available each year for
vi-stcd in cvcry seperate item of as-
set is determined. In this connection
with thc intention ol thc statement
i`oi'm_
(b) Those whcrc such officer under-
stands tho information desired, but
fails to work out the correct. result.
(c) Cases where the opinions ofthe
company's olliccrs are at varicnco
with those of the dcpartnicnt.
An example of this latter class
.hcir books for the year they nccd
Cases are rare where wilful mis-
lic returns for the ir osc of con-
An iiistniicc, however, is mciitioncd
EXAMINING TIIE BOOKS
All thc accounts in the general
iuiiil iicccssaiy thc Journal, cash-
'l`hc total cash receipts of the com-
xpcndif.ui'c for losses and returns to
ivcs'tnit‘ni._ ’l`lic investment lcdgers
rc then I-.xuniincd and the amount/ in-
company
Theic have been instances whrro c'
flcc buildings have bcgn written 'ip
by thc company that is to say, at
higher value has been placed upoi
cm in tho statement ode to thc
dcpartinciit than the cost price.
In cvcry such case wc linac hail tin
buildings so written up v.i.iueii uni
of thc cost price as sworn to by the
th
tatcmcnt as published the apprai.'»c.
mount whcrc such amount was ic.~
than the amount claimed as the val
nc, in other words the tlepaitmciai
has written the valuc down to tin
ment pursuant to clause 15 of sect-ion MVB Sllliiililllllsffli in the C0mi'fl-'=l"~*
-I I S
3.
appraised values.
_(3) As to rcal cstatc .1;i|uii'cd by
foreclosure it may be grunted thai
generally that such real estate is car-
ried in thc company's books as tin
amount. duc for principle. interest
and costs up to the time of final'
lorcclosure and transferred from tht
mortgage account to the real estate
account, which amount is vc-rificil by
conipariiig the same with mortgage'
account. from which it is tiansfcrrcd
The value placed upon such real cs-
tatc is also chcckcd from year to
yi-ar with the real estate lcdgcr and
the income and expenditure in re-
spect of each ascertained. There have
bccn cases within the knowledge of
the ilcpartmcnt where vcry consider-
able gains have been realized upon
thc sale of foreclosed propcrt.y and
thcrc arc on thc other hand cases
wlicrc losses have hccn incurred.
would probably in thc casc of each
conipuny, very nearly counterbalance
each other.
CONCERNING M\')R'l`GAGES
With each annnal return a schedule
is sont to thc department setting
fgrih thc date of each mortgage a
s urti description of tho property
covered tlicrcby, tho appraised value
of the land and of the buildings there
on in sepcratc columns and the a-
mount of insurance on thc buildings,
the amount of principal money ad-
vniiccil on the mortgage, the rate ol
df interests on the amount, il any,
cfvcrilne` for, interest and the amount
df accrucil interest, up to the date of
:lic statement. _ ,
ilivcry mortgage is. examined and
time amount of principal. scoured there
by and the rate of interest. as set
forth in the schedule verified. The so-
thc changes in previous ini_/estmcnts
are examined and noted, such as the
rcpayincnfi and reinvcsizmcnt of mon-
cys invested in the current or in any
previous year.
In this way thc moneys which have
never lost- sight of, but are traceable
from year to yeag in the ledger as-
sets of thc company. '
Before, therefore, the various sccur
ities and evidences of investment are
examined and counted, we know ex-
actly how much a company has ex-
pended on rhc capital ilCCOUlll2 Ol WS
real estate, just how much it has
loaned on thc security of real estate,
or of stocks and bonds, how much it
has expended in stocks, bonds and de-
bentures, both in these items as a
whole and also in each seperate block
ol thc securities forming any 0110 lil-
em. Wo also know the exact amount
whichhas been loaned to policyholders
upon the securities of their policies.
The method adopted in verifying
the statement ofacompany’S 158058
may be conveniently dealt with under
headings descriptive of tko classes of
' ti d therein..
wilirdsieirglmthgilgiore, taken in the,
order in which they are entered in
the statement.
COMPANY
become available for investment are‘
REAL ESTATE OWNED BY THE'
-llcitor's certificate as to title and
the valtiator’s appraiscment of the
land and buildings and the policies
of insurance on the buildings are also
examined and thc hgurcs contained in
the schedule verified therefrom. The
amount of principle is also checked
by the ledger account of the morb-
gage and also the overdue interest
where the schedule shows any to ex-
ist. 'l‘hc summation of the principal,
overdue interest and accrued interest
cditmns of the schedule are verified
as carried into the company’s return.
Where the schedule shows overdue in-
terest the ledger is examined to as-
certain whether such overdue interact
has been paid prior to the time of
inspection and if paid a note to that
ellectila made in \the overdue interest
coluptn.
rt' the interest overdue inui not been
paid, tho cornpany'a lattontion is fli-
rected to the fact with the request
that Ili Bflotil ll! llltldb tb folliie it
and in case of failure that the a-
mount so overdue bo written od the
assets unless it clearly and satisfac-
torily applara that the value of the
mortgegerliproperty fs ample to se-
cure the iltiiic pai and an iiiterom
overdue and accrued thereon.
ine the mortgages, certificate of title
and valuation only once, but the bal-
ance of principal and amount of over-
are in accordance with thc books and c°mp”'“y's consent write on 3' p°rtl°" ‘he °0mP9~"Y. and Where 5¢°“fll5l°5
have been sold or paid oil between
the date of the statement and the
time of inspection, each sale or pay-
ment is verified by reference to the
company’s ledger and cash book.
BONDS, STOCKS, ETC., UPON
WHICH LOANS HAVE BEEN
MADE. _
In like manner all bonds, stock cer-
.ificates and debentures forming the
.ccurity for loans outstanding at* the
late of thc statement; and still out-
itanding at the time of the inspec-
_ .ion are counted and examined and thc
imounti loaned thcreon verified by re-
`crcncc to the company’s books (care
icing taken to seo that the securities
irc sufficient in value to secure the
uivancc made) and where loans in
existence when the statement was
nado have been paid off before the
inspection, such payment is verified
by reference to the loan ledger and
cash book.
" LOANS ON POLICIES.
7'l`his item occurs only iii the case
of life companies.
In examining and checking this itcm
in a company’s statement it is usual
‘o ask for a list of the policy loans
and to select several therefrom at
random and in the cases selected to
examine the documents evidencing the
loan and the policy which accompan-
ies it, and to ascertain whether thc
loan with interest thcrcon at the
.late of the statement was less or
.rreatcr than the rcscrve on thc poli-
:y. lf less, the loan would bc good
!iut_if greater, it could be considered
Upon the whole the gains and losscs.,,,,s an ngsof; nf the company only [gr
.in amount equal ali the most to the
rcscrve.. Frequently a list ofthe pol-
ficy loans is taken and every loan on
'inch page examined. In practice wc
have found loans to bc ucll within
the reserve on the policies loaned on
and it mafvl' be stated as a general
rule that t. are is no bottcl' item in a
llfc company ’s assets than thc a-
mount o its policy loans.
'There would be no dimculty what-
cver in examining the whole of .a
c`ompany’s loans on policies and if
any cause\ for supicion existed as to
tho genuincss of the salc or any of
them or as to their being good in
tho sense above mentioned, the whole
list would 'bo examined.
AGENTS’ BALANCES.
When inspecting ii. company’s as-
sets, it has been the practice to call
for a liati of thebalanco due by the
oompany’s several agents, the aggre-
gate of which constitutes the tem
“Agents Balances" in thc return,
and to examine the same with a view
to ascertain whether they are good
dr come under the description of “bad
or doubtful." Wo have usually found
at thc time o: inspection that a vcry
considerable portipn of the balances
duo at the beginn ngi of the calendar
year have hccn pair, in many cases
almost all. We have in this way
liecnablo to judge pretty accurately
what portion of suc balances ma be
regarded as good and what poriion
had or doubtful. If any are clearly
bad, they are written off anddeducted
but if only doubtful ‘the attention of
the company is called thereto, with
request that if not sooner collected
they be written off ati the end of thc
then current year, which request is
as a rule, accedcd to.
_ CASH IN BANKS.
_The items of checks in banks are
qhecked by examining the bank pass
book and reconciling thi; ledger bal-
ance with the balance s own by the
pass hook, taking into account the
lat of outstanding cheoques. Wh re
the banks are situated in otherficiit-
ies or countries, certificates- of the
balance signed by the bank officials
are examined. ‘ '
The closing item in those bank
. .N Cpntlnired on page I2
__ _ _ I
FILES
4
r
~
lt has been the practice to exam- ' ,  *U
§$n...=~:.“.-r.-it-i'.:  . ..._-ii.
a“IIIiiili$. -0*" `“'"  ‘twain
DR- OHAll’l OINTMINR `
In this Policy Accident Insurance' lan reached ill
' ‘  ` ‘ _
. . ._ __ _ f i ’ ¢  -s _
2; *.14 _ -_ r fi , I ' - '
_ _   r _ S J. Professional and bneineal men read this! For liberallty not even approached. Compare it with any
° _ - _,__ g \ li pdic ou now hold
fy _._,‘, :-1 '  ,` ,__ ~.__
CANADIAN UAIUALTY
» i
e|\'d'Doih‘r'= `  » -f
I
Clfiiiiaxa, Pollgy if Accident Insurance.,
V (I_NcI.ri;INo_sI¢:zNESs _mauniincn alum or cosr.)
A Policy unprecedented for its ll rality wherein Accident Insurance has reached its climax.
\ _ 
 If ‘°i"'°“ *".ris“aa.f.'.'.e.¢“ 
TOTAL DIsABIL.I't‘Y To rar. DISABILITV
$511.00 per week for seo weeks $25.00 per week for zoo weeks
PARTIAL DISABILITY _ PARTIAL DISABILITY
¢z5.oo per week for 30 weeks _ $rz_5o per week for 30 weeks
WHILE IN I-1os_I>ITAL I' WHILE IN HOSPITAL
$62.50 per week for 62 weeks $37.50 per week for I2 weeks
MEDica1`. TREATMENT A MEDICAL TREATMENT
Up to $25.00 per week when nut disabled _ Up to ¢z5.oo per week when not disabled
PAYS
" TOTAL DISMEMBERMENT.
Fon TaAvEL__ ACCIUENTS _ V FOR ORDINARY ACCIDENTS
r.r_°i.zmz'i.r_»;.°::s°i_f:~is:.i»».°»=- i; F” u°_°;st°a::i.fiiB_n‘as°rs:.i »...»»°.-»
PARTIAL DISMEMBERMENT.
ForloaaofaHand...._. ..._ ............K5,ooooo ForlossofaHand..f._. _ . . . .
 . . _ . . . .
..52,5oo.oo
ForloasofaFoot......  . . . . _
5,ooooo ForlossofaFoot ._ _._._:,5oo.oo
Forloaaofone Eye.._...  . _ _  3,5oo.oo. ForlossefeneBye . . _ . . . . . . _ . .
._ ..._.I,75ooo
-1"'
PAYS -
50 1>.c_ AccUMU_LATIva BONUSES.
After which policy will be kept in force and remain at&],5oo, and _ for Travel Accidents 515.000 without
any extra coat. premium.
_ INSUIQES THE BEN_EFIcIARv
lf injured in or upon Railway Train, Street Car, or any other Mechanical Motive Power Con-
veyance, Steamship or other Vessel, Elevator or Burning Building.
For loss of Life, Both Eyes, Hands or Feet, or Hand and Foot. . _ _ _ . . . . . _ . . .
_ _ . . _ .. _ . . . _
_ .Q5,000_00
INDEMNIFIEB THE BENEFICIARY FOR BURGEONIB FEFH, NOT T0 EXCEED $l00.(X]. 1
1*--1,, I F - 1 ulxmuialr nt in-an ‘ in-I
INSURES TEN' DISEASES FREE OF COST
' --i--Pars
$25.00 PBR WEEK FOR LOSS OF TIME RESULTING
From Typhus, Typhoid, Starlet Fever, Smallpox, ,Diphtheria. Appendicitis, Pneumonia,
_ Brain Fever, Hernia or Meningitis.
- , I aan PA YS
HOSPITAL INDEMNITIES.
‘ $r2. 50 additional per week while in Hospital. U" ‘““"”‘°",§?,,'};‘,,’[,°,§}},‘§,§2‘},‘§3}§f§§,”° “"“““ ““=
OPTIONAL IINDEMNITIES.
A ' For Fractures. Dislociitions and Sprains. ' '
Tho following Amounts are paid iggipucgg; caused hy;_
For the Complete Fracture of Bones :
O th Pl'i ..... ._ 
g;thgSl?ii‘ll,sbotlitables...__....____.___........_......._350.00
the Skull, with complloationii.._... 
gfthoLoworJa.w.....b............._._....._.....
f the (‘.nri\ooid or acmn ioii process of aeopulii
Oi' tgo §`capula (shoulder lalndo) other than nbovo. ._ ._ .
Ott o |fli;h,ahnple  
Oi' the I high. cunipounil with auppurution_ _ _ _ _ _ _
(>st.hoLeg,aimple   
0 the Lag, curnponrid with auppnratfon. 
Ott oPot»ellotiLnoocap)  .....~_....'  ._
0rt§e Foreami, aluiplo.._.......,.._.._...._...... .
Of t e Foreami, ooinpounri with auppuratiion. _ ._
8H5£ogppo1'£r'm. a mple...d...mi__._._._..d...
o r _ com un w an iura on.
0l't`6dppere|'lIiIl1  . . . . . .
..
w rmo a _ . 
Ot two or inaro Fingers or und, including Wrist...
Of' two or more bonos of the lltzxcct or Tous.. ._ _ _ _ _ _
For Loss:
Of one or inoro Fingers fat. least cnc ontlrc phnlanx)_. _
Ofonooi-more ontiroToos . . . _ . . .
 ...... 
For Hernia :
_ 37o.00
_ 100.00
'll l ..._  50.00
OI  gliii'liililftiilltlllfhbgildlliiontimiind with anppiirutioii ilflfll
_ |2511)
_ l{l0.00
_ 325.00
4
L

sees
Izso
at
260
s-_°.5i§§.`.5
$538832
It
.12
.I1
ss
For Straiiirnlated Harnfn, caused aololy and diroctly by .
accidental injury and requiring operation  125.00 ‘ » C0l1tl1Sl0l1S '
‘ For Complete Dislocatlons :
Oftholiowcr-Juw__....    8;£;'i_lifi
0i'ihoSho\\lder    Initial
OfthcElbow,rndiiis.___..,.__..._.._.._...   liitwi
Ofthclilbow,iilun._._......___....  5t»_iin
_ OI the Elbow, with coIiipliciit.ioiis._._  17.3.00
Gttho Vlriat..   lzmiii
OE any bones uf the Hand or Fiiigers .. .__ _ _ |t|_m
0   :wiim
ofthe noo_...   imiiii
(lfr.hoKnooCnp. Illini
OrtheAnklo.__.,___.__  i.-'nm
t)f’tliebonei~xufl_lic l~`cctor'I`ocs_.  will
For a bprain with Complete Rupture of Liga-
] ` ments:
Oftiai
flf'thcKncc_.... _   i2.'»_iii
()ft;hel-Iip.......___..    "
tlrthawrlic.__..._................_.....  __
flttho Elbow   
OrthoShoulder.._..........._........__....._.._.........
.I _ Fnr Sprain Other Than Above :
(lftlieAnklo__......_.............._.___.___....__.._..__
0flhcl{ncc,_..-....  
tif'thul~llii.__...... ._    
0i'l5ho\Vrl.~It.......   
Ortho  
Ofthe Shoulder.._..._........_._..... . 
For Lacerated ,and Punetured Wounds
1iI.(l|
-"lf|,| ll
~"»fI,lll
.mini
:ir__'ii
Ii7_.’»f|
zur..-.ii
2:._no
‘,5.'\,|ll
:mi
and
Atloasttlircc day»<'To\.nl lllaiibillty  _ _ _ _ _
__ ~_g_;_iii
The above Amounts are Doubled if injured whilst on any Passenger Conveyance, Elevator or
I _
Burning Building.
' 1 ADDITIONAL INDEMNITIES.
The following amount; are payable in addition .tn Weekly Indemnity. _
[Also paid in addition to any other indainiiltyto 'which the liiaurorl may be entltlcd.]
roriiw AMPUTATION oiT'nigiil.l__.......... ._...._r.im_m
LeiorArm.__.................._...,.....  
Forearm.................._.._..._..:_....._ 
Foot.oi'Hand......_.._..._..'..._,................
l~‘i|igororFlngora,'1‘ooorTboa._..._......_..._
For DIiiL(‘.,`|CATIONS.-Reduction of lllp 
ll B . . . . .
..» . . . . . . .
.-...ii..-~.....-....-...
I1}llli)ow,I{neeor Anklo.._.._.._............._..._
Wrlsit.orLower  ._
'rnuinbori\‘innei-ri.._.__.__.__...._.... 
For EXC ON of Sh uld r Hip or Knee Joint
iiimmiiflnniinraniria.iulni____......._.._...I_ 
'I`oeor'I‘ooii . . . _ . . . . .
..  
Jolntaothcrthaii thoi\bove........_.._._._._......._.
_ Ioonof
. ZILUO
I ziiiii
. 50m
_ fllfll
secs sas
8888 S88
For FACTU ES.-Reduction or Lower Jaw (Jollnr
no or Slioiilder lllado '
niioor nitiii.........____...IiIIIl1IlIlI111"1Il1I"I""
FW" ' ` lion.” _
..viinmi°::.°f___.___%'f’2‘f”.;;-:;_ _  ~ 
gaviaorSacrum_...__............_..
KnecCap0rLe¢Bone,ona orborh.......
BoneaofFoot..............._.. . . _ . . .

012.,-go per week in addition to Indemnity w
f=i?>f?-=?935`_='i53J5?5
88888888888
For QUNSHOT WOUNIIS.-Trcntninnl. lint iici'i-saifiitiiig
f- ityglutatlondt la}parot.oniy. lirofliicing ai-roi-is lcui-iiii:
~ o cali ofl.eg_ 'I' i_ii;h, lforciirin, Ai-in oi~ ’l‘i-iiiik_.__$ -.4.'»_iio
Minorauiiaiiot Wounds ......  iii_"t»
_ For FIERNIA tAbdoniinul)_~/tny ciittinir nperiitloii for
p the radical cure of llc-diiclblc, li~i~cdui:iblo or Sf ruinin-
lntcd Foriii.....   _ _ . . . . _ . . . . _ . .
__ li»0_|~i
l or LAPA R()'l`0M\ _-f)pcniii|; txt tho Abdominal ( iivity
for an operubloéi on any acc itcntally inJni~c<l orgiiii
>.cont_alnodtl.ier n .......  . . . _ . _ . . . . . _ . . . . _ _ _ . . . _ _
._ |nii.f||
_ (lpening o_£Abdomlha}('i\\‘ity for Tmiiniatlc I"critoiiI-
tis due to external \' olcncc and not to any nflier dis-
eased condition  iuuni
Explomwry Incl.-»lnii........._........_._....___._..__ 7.f'._iii
For _\'Ef_'lI()%IS tilcath of bone) Scqnr-_almtmiiy frciiiornl
of dead hniioi _ _ _ _ . _ . . . . _ . . _ . _ . _ _ . . . _ . _ . . . . . _ _ . . . . .
.. Il.'»_lli
Pcrltoiiitlic-Seo Lnpnrotniiiy.
Skull Trephliiiiig for Fracture  ................. __ 110.011
For SYNOVITIH (liiflainmation ofthe lining Mcuihraiic
of ajofntl incision. _ ._ _ . . . _ . . . . _ . _ . _ _ . . . _ _ . . . . . _ _ . . .
_ _ ‘.'.'»_oii
For Tl\Z'l`A_\'l'S_-liijcvfloii of Aiitl-Totniilc Hi-riiiii into
frontgllobcof brain ._     lni|_‘"I
Si-nip or other pni~t_- iint included iii
For WOUNDS of e. nt.urfni¢_ _ . . . . . _ . . . . . _ . _ . .
 . . . .
._ Mui
bile in hospital in lieu of above if preferred.
-@1h  _PAYS -| `
_ IDENTIFICATION
If iitiurod and away from homo and unable to communicate with relntlvoa they are not iffcd and up to Sllll paid for putting
inaurodln camo! friends. , _
H-Ili*-*Ill-1 lihil-' I _-in 
SPECIAL INDEMNITIES
Frwrlns. Slinltroko. Bomnnmbollam. lnvoliirli-;\_i3~‘plr£gé1Iri<i4§i;_`¢{§»l\:i~ Inhalation or one or other i»ninnnni.~i \’in»or_~
Septlcaemioi Hydrophobln or Poisonous Blboa-'flair Principal num paid.
illluggltlgtrgi Ngtiifgzligibutbondittona e ce t d iilenh d i 'd
- x rn _
muariiicafamaciafidoec or easier its _ P . °" “ °" °' °
COITB £5.09 PER Y AU. FOI SELBST KEIK. _ _
COSTS 130.100 PER YEAR FOR PR BFERR IJ RISK " '
We want men to buy these policies.
ga wut men to nel _them
lther proposition will pay you
W. K. ROGERS Co., Limited,
» _.Ch’i9“§‘i-¥2_`9__5m3l_  __  _L Q`r;§§ieI;al Agents for P. E. Island.
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