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Les diagrammes suivants illuatrent la methods. 1 2 3 1 2 3 4 5 6 % ( .vf: %, •m- 4jpfl^f" «» -J ■'M' ■r^ !;■ '^ry^: 5f™i "Iffffl -nifif^n ■■ ii«P|mmii,i..piww(^ifP| fc« r^ / -Kt^i^ fc **. » W » m f l O fc lwti»IW »**■ ■«MtolM«»y ■•\ \. \ % '^igfcl \ (/ .(^ ^ Jl , < t T- «. €( As AOT OF m COEPOR ATION OF THB €ommi:rctal ^nibilkts ASSOCIATION OF CANADA A.Nr> A^MLEIVOMIENTIS. AL.SO BY-LA.1^^8 ^ As Revised by the Annual Meeting, Dec. 29, 1887. Annual Reports, 1885-6-7, and other information. 1888. PRINTED BY HUJSTER, ROSE & CO. SPECIAL NOTICES. In every case of claim arising from Accident, it is im- perative to notify the Secretary of all particulars, as soon after the occurrence as possible, so that the same may bo investigated without delay. Members are not permitted, under any circumstances whatever, to lend their Certificates, and must in all cases show them when required, to any officer of any Railway or Steamboat Company from whom privileges are obtain- ed. A refusal to do so, renders members liable to severe penalty. It is des^'red by the Railway Companies and urged by the Directors of the Association, that members having baggage to check will see that their trunks are at the station at least fifteen mmutes before advertised time of starting. Members will bear in mind that the regular General Meetings of the Association will be held on the FIRST SATURDAY in March, June, September, and December, at eight o'clock, p. m. , ten to form a quorum. « Directors meet on the LAST SATURDAY, in every month, at eight o'clock, p.m. None of these meetings will be further advertised. It is important that members of the Association should see that their correct addresses are in the hands of the Secretary, so as to receive promptly any special communi- cation that may be sent out from the Association. I I Officers and Directors for 1888. ■p ( J. C BLACK President. lA^vAH^-'^^' !»' Vice-President. i*^5'^.""'i^S' 2ad Vice-President. K. H. CrKAY, Treaaiirflr JAMES SARGANT, V Secretary. DIRECTORS 9; ^; ^4.?. NORMAN, GEOKGE WEST, K. J. OHR, H. MOKKISON, T.P.HAYES, H. S. DAVISON, R. H. COSBIE, JAMES HAYWOOD, W. B. DACK. Vioe-Preaidenta, HAMILTON. E. A. DALLEY, W. G. REID, . . DIRECTORS. F A. ASHBAUGH, J. H. HERRING, H. BEDLINGTON, G. E. HAMILTON, W. B. CROY, H. G. WRIGHT. MONTREAL. S. 0. SHORWY, Vice-President, C. Mc ARTHUR, 0. L. SHORE Y, .. .. Directors. LONDON. W. D. PIERCE, P. J. WATT, Directors. KINGSTON. M. S. SUTHERLAND, B. W. ROBERTSON, Directors. BRANTFORD. J. S. HAMILTON, H. SHENSTONE, . . Directors. GUELPH. C. AULD, Vice-President. J. B. ARMSTRONG, Director. WINNIPEG. J. B. MATHER, Vice-President. GEORGE GALT, J. G. MAULSON, . . Directors. BERLIN. L. J. BREITHAUPT, GEORGE LANG, . . Directors, Officers and Directors for 1887. J. C. BLACK, President, A. A. ALLAN. Ist Vice-President. JOHNBUPvNS 2nd Vice-President. R. H. GRAY, Treasurer. JAMES SARGA NT, Saoretary. DIRECTORS. A. S. HART, T. P. HAYES, T. F. SMITH, R. J. ORR, H. MORRISON, HAMILTON. E. A. DALLEY, W. G. REID, , DIRECTORS. WM. INGE, Jr., GEORGE WEST, JNO. WALKER, THOS. BLAKE. Vice-Presidents. G. E. HAMILTON, F. A. ASHBaUGH, J. H. HERRING, H. G, WRIGHT, P. MoCULLOUGH, W. BRAID. S. O. SHOREY, C. McARTHUR, R. TYLER, MONTnEAL. Vice-President. DIRECTORS. C. L. SHOREY, T. J. ORE AN. LONDON. J. GOUINLOCK, W. D. PIERCE, . . . . Directors. KINGSTON. M. S. SUTHERLAND, B. W. ROBERTSON, Directors. BRANTFORD. J. HARRIS, J. S. HAMILTON, . . . . Directors. GUELPH. C. AULD, Vice-President. J. B. ARMSTRONG, Director. WINNIPEG. J. B. MATHER, Vice-President. GEORGE GALT, J. G. MAULSON, . . Directors. Officers and Directors for 1386. TORONTO. H. BLAIN, . . T» • J . T n T>T Ant- ' • • •• "resident. FHMAmsnw ist Vice-President. RHGRry ' 2nd Vice-President. JAMES SAI^GANT, ••..••..-.. :. ;; l^X^- . ^ DIRECTORS. A. A, ALLAN, a S HAPT JOHN BUJINS, - '• "-- ' C. C. VAN NORMAN. T. P. HAYES, WM. INGE, Jr., R. J. ORR, T. F. SMITH, JOHN WALKER. HAMILTONI E. A. DALLEY, . . ) W. G. REID, ",,.",'.' I ^ice-Presidents. DIRECTORS. GEO. HAMILTON. f. A. ASHBAUGH, J. H. HERRING, ' J. A. ORR, S. KEMP, J. H. STONE. MONTREAL «-0-SHOREY, Viee-Preddent. DIRECTORS C.McARTHUR, a L. SHOREY, R. TYLER. T. J. CREAN. J. GOdlNLOCK, W. h^'PFETcE, . . directors KINGSTON. M. S. SUTHERLAND, B. W. ROBERTSON, Directors- BRANTFORD. J. HARRIS, J. S. HAMILTON, .. .. Directors C.AULD, .. .. ^U^'-P"- y. p ., ^ J. B. ARMSTRONG, *./**..'.. *;. Director' J n MATHFR WiNNIPEG. i'..:< ^^™^h^ -•_• .__••.. . . Vice-President. Directors. GEO. GALT, J. G. MAULSON. "^\ OERTIFIOATES OF MEMBERSHIP CAN BE PROCURED AS FOLLOWS : TORONTO.— At office of Secretary, James Sargant, Pub- lic Library Building, corner Church and Adelaide streets. HAMILTON.— Joseph Green (W. E. Sanford Mfg. Co.). LONDON.— G, W. Beach. MONTREAL.— S. O. Shorey (H. Shorey & Co.). GUELPH.— D. Barlow (Guelph Enterprise Co.). KINGSTON.— M. S. Sutherland (Fenwick, Hendry & Company). BRANTFORD.-J. N. Shentftone (A. Harris, Son ife Co.). WINNIPEG.— W. H. Miller (W. H. Miller & Co.). BERLIN.— H. Aletter (L. J. Breithaupt & Co.). r FORMS OF APPLICATION. Form One. Admission. Tc the Freddent, Officers and Directors of the Commercial I raveUers Association of Canada i oiiL *« 11 • ^\ ^ . ^ ' ^®^"S * Commercial Trav- eller, travelling at least four months every year, and re- presenting the establishment of ^ eneaffed m the business of at do hereby mike application to become a member of your Association, and do promise, if admitted, to faithfully observe all the Rules and By-Laws which may from time to time be in force. My age next birthday will be years, and I make my beneficiary, whose age next birthday will be years. ^ ,188 • ^ Applicant. Address. Director's. Firm. Toronto, Recommended, Form Two. Honorary Membership. To the Fresident, Officers and Directors of the Comm^^^^^f Travellers' Association of Canada : ^^ ■Mr 1. I. ^^ having been a Travelli»„ Member of the said Association for five or more consecu- Uve years, do hereby make application to become an Honorary Member of the Association, and promise to ob- serve faithfully all Rules and By-Laws which may from time to time be in force. My age next birthday will be years, and I make .,, , ™y beneficiary, whose age next birthday will be years. ^ Toronto, , ]88. Address,, Applicant, 8 COMMERCIAL TKAVELLERs' ASSOCIATION. Form Three. To Bejoin. To the Presi^,ent Officers and Directors of the Commercial 1 raveUers A ssociation of Canada : Name No. of Certificate . P.O. Address No. and Street.!... Firm Represented • Firm's Address Style of Business _ ^ State if you are a travelling ttaiesman'solicUing Orders.*.*.! Agenext Birthday Name of Person in whose favor' AVcidenV and Mortuary Certificate is to be made payable ■Relationship Age of Beneficiary . . . . '. . . . ..,..[ I hereby certify that I have carefully read the Applica- tion herewith presented, and have answered all the ques- tions herein contained, truthfully and to the best of my knowledge and belief. ^ I>ated at this ..day of A.D. 188... ^ l„^.i.-'- M "^s Sig. of Applicant, l^^' —Signatures must in all cases be in applicant's own handwriting. 111 nmercial EAILWAY ARRANGEMENTS. rders.... • ••••••••• ortuary Lpplica- e ques- of my plicant, licant's I. —The following railway companies issue station to station tickets to travelling members of this Association at 2Jc. per mile, holders of such tickets to carry 300 lbs. of baggage free, permitting same to be checked to desti- nation with stop-over privileges ; also Saturday return tickets at single fare issued from and to any station, good to return on the following Monday, nam3ly : Canadian Pacific Railway (Eastern Division), in- cluding Sault Ste. Marie Branch. Central Ontario Railway. Central Vermont Erie and Huron Grand Trunk International Kingston and Pembroke Railway. Michigan Central (Canada Division) Railway. Montreal & Sorel Railway. Nova Scotia Railway. Prince Edward Island Railway. Quebec Central Railway. Quebec & Lake »t j. John Railway. n.~~xne loiLowimr railway companies grant to travel- ling members of the Association passenger rates at 2c. (( (< (< It io COMMBRCIAt TRAVBhf.Bua' ASSOClATlOIf. ZokeI\TiTV'' ^'\^^^^^^-^« ^-e, which can be checked to destination with lay-over privileges, namely, Gibson and Woodstock Railway. New Brunswick ti St. Andrews and Macadam '* St. John and Maine '• Springhill and Parsboro' *' Vanceboro' and Woodstock *' Woodstock and Edmnndston Railway Intercolonial, same fare, but SOOlbs. baggage free. J,^\'-''^^\'!^^'^^'^^ountkB Railway and the Windsor s~Z 1,''"^"^^ ^^'"^^^^^^ ^'^-^^ ordinrr; pa! senger rates, allowing to travelling members 300 lbs of IV. -Rates for New York, apply at Secretary's office. h can bd namely, kgefree. Vindsor iry pas- lbs, of ith lay- 'ffice. COMMERCIAL TKAVELLERS' RAILWAY PASSEN- GER RATES. cow! will beVe"c„*e:tteL^''°''° "'^^"^'^ ™ *"« se!o„d Miles. Fare. cts. 1 5 2 5 3 5 4 10 o 10 6 15 7 o 15 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 20 20 25 25 30 30 30 35 35 40 40 45 45 50 50 50 55 55 60 60 65 65 70 70 7(\ 75 75 Miles. Fare. 36 37 38 39 40 41 42, 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 ti'7 68 69 80 I 70 $ cts. 80 85 85 90 90 95 95 95 00 00 05 05 10 10 15 15 20 20 20 25 25 30 1 1 1 1 1 1 ] 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 30 35 35 40 40 40 45 45 50 1 50 1 55 1 55 ] 60 I Miles. Fare. 71 72 73 74 75 76 77 7H 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 '96 97 99 99 100 101 lUZ 103 104 105 $ cts. 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 2 2 2 2 2 2 2 2 2 60 60 65 65 70 70 75 75 80 80 85 85 90 90 90 95 95 00 00 05 05 05 10 10 15 15 2 20 2 20 2 25 9 25 30 I Miles. 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 'Z 30 I 137 2 30 I 138 2 35 I 139 2 35 I 140 Fare. $ cts. 2 40 2 40 2 45 2 45 2 50 2 2 2 2 2 50 50 55 55 60 2 60 65 65 70 70 75 75 75 80 80 85 85 2 2 2 2 2 2 2 2 2 2 2 2 90 2 2 2 2 3 90 95 95 95 00 3 00 3 05 3 05 3 10 3 10 3 15 3 15 12 COMMEBCIAL TRAVELLERS' BATEB.-Continued, Commercial Travellers' Rates.— Continued. 13 es Fare. $ eta. i 6 15 i 6 15 5 6 20 5 6 20 6 25 6 25 6 30 6 30 6 35 J 6 35 ; 6 35 6 40 6 40 6 45 6 45 6 50 6 50 6 55 6 55 6 55 6 60 6 60 6 65 6 65 6 70 6 70 6 75 ■ 6 75 1 6 80 1 6 80 1 6 80 ■ 6 85 n 6 85 H 6 90 Ji 6 90 ^ 6 95 ' 6 95 :■ 7 00 i 7 00 Ji 7 00 ^ 7 05 ■[ 7 05 ^1 7 10 H 7 10 H Miles. 1 Fare. Miles. Fare. $Ct8. Miles. Fare. Miles. Fare. $ cis. $ cts. $ cts. 317 7 15 338 7 60 359 8 10 380 8 55 318 7 15 339 7 65 360 8 10 381 8 60 319 7 20 340 7 65 361 8 15 382 8 60 320 7 20 341 7 70 362 8 15 383 8 60 321 7 25 342 7 70 363 8 15 384 8 65 322 7 25 343 7 70 364 8 20 385 8 65 o23 7 25 344 7 75 365 8 20 386 8 70 324 7 30 345 7 75 366 8 25 387 8 70 335 7 30 346 7 80 367 8 25 388 8 75 326 7 35 347 7 80 368 8 30 389 .8 75 327 7 35 348 7 85 369 8 30 390 8 80 328 7 40 349 7 85 370 8 35 391 8 80 329 7 40 350 7 90 371 8 35 392 8 80 330 7 45 351 7 90 372 8 35 393 8 85 331 7 45 352 7 90 373 8 40 394 8 85 332 7 45 353 7 95 374 8 40 395 8 90 333 7 50 354 7 9^ 375 . 8 45 396 8 90 334 7 50 355 8 00 376 8 45 397 8 95 335 7 55 356 8 00 377 8 50 398 8 95 336 7 55 357 8 05 378 8 50 399 9 00 337 7 60 358 8 05 379 8 55 400 9 00 14 RAILWAY EXCESS BAGGAGE TARIFF :^:^^J^.^hl^^:___^^h^rge Ie«B than 25 cents. Where Ist Clasa |§ Unlimited Pass- W enger Rate is From lil! g Where Ist Class f ° Unlimited Pass enger Rate is From To $ cts 17 51 17 90, 18 8fi. 18 76. 19 2J . 19 61. 20 01. 20 46. 20 86. 21 26. 21 71. 22 11 22 51 22 96 28 36, 23 76. 14 2J. 24 61. 25 01. 25 46. '25 86. 26 26. 26 71. 27 11. '27 51. 27 96.. '28 36.. 28 76. . 129 21. '29 61. '30 01. 30 46. 30 86. 31 26. 31 71. 32 11 32 51. 90. $ cts. .17 95.. .18 35.. .18 75.. .19 20.. ..19 60.. ..20 00.. ..20 45.. ..20 85.. ..21 25.. ..21 70.. .22 10.. .22 50... .22 95.. .23 .35.. .23 75.. .24 20.. .24 60.. : .25 00.. , .25 45.. ; .25 85.. ; .26 25.. • .26 70.. t- 27 10. . .•; 27 50.. 3 .27 95. . 3 .28 .35.. 3 .28 75.. 3 .29 20.. 3 .29 60.. 3 .30 00.. 3 .30 45.. 3 .30 85.. 3 .31 25.. 3 31 70.. 3 32 10.. 32 50.. 32 95. . 33 35 8' Where Ist Class I - Unlimited Pass- « ij enger Rate is From To $ CtR. 2 15 $ O.tfi 34 21 34 61, 35 01. 35 46. 3 85 3 3 90 95 |35 86 |36 26 136 71 37 11 37 51 37 96, 38 .36. 38 76. .39 21. 39 61. 40 01. 40 46. 40 86. 41 26. 41 71. '42 11. 42 51. 42 96. 43 36. 43 76. '44 21. 44 61. 45 01. |45 46. 45 86.. i6 26. 46 71. 47 11. 47 51 . 47 96. 48 .36. 48 76 [49 21 $ cts. ..34 60 ..35 00. ,.35 45. .35 85. .36 25. .36 70. .37 10. .37 50. .37 95. .38 35., ..38 75.. ..39 20 . ..39 60.. ..40 00.. .40 45.. .40 85.. .41 25. . .41 70.. .42 10.. .42 50.. .42 95.. .43 35.. .43 75.. .44 20.. .44 60.. .45 00. .45 45. .45 85. .46 25. .46 70. .47 10. .47 .50. .47 95. .48 35., .48 75., .49 20. 49 60. $ CtP, 4 15 20 25 30 35 40 45 50 55 60 4 4 4 4 4 4 4 4 4 4 65 4 4 70 75 4 80 4 4 4 85 90 95 36.. 33 75.. 4 05 50 01 76^.34 26.. 4 10 (.50 46 00 (49 61.. .50 OO;; 6 . 5 00 . 5 05 . 5 10 . 5 15 , 5 20 5 25 5 30 5 35 5 40 5 45 5 50 5 55 5 60 5 65 5 70 5 75 5 80 5 85 5 90 5 95 00 .50 45.. 6 05 50 85.. 6 10 Railway Excess Baooaoe TAHtw.— Continued. 15 Where 1st Class ^^ Unlimited Pass- S tnjfer Hate is | ^ From To w a ^ "^ " CO $ cts. C 15 6 20 6 25 6 30 6 35 6 40 6 45 6 50 6 55 6 60 6 65 6 70 6 75 6 80 6 85 6 90 6 95 $ (its. 50 86. 51 26. 51 71. 52 11. 52 51. 52 90. 53 36. 53 76. 54 21. 54 61. 55 01. 55 46. 55 86. 56 26. 56 71., 57 11. 57 51. 57 96. 58 36, 58 76. 59 21. 59 61. 60 01. 60 46. 60 86. 61 26. 61 71. 62 11. 62 51. 62 96. 63 36. 63 76, 64 21. 64 61. 65 01. 65 46. 65 86. 66 26. 66 71. 67 11. $ cts. 52 25.. 51 70.. 52 10.. 52 50. . .52 95 . .53 35.. .53 75.. .54 20.. .54 60. . .55 00.. .55 45.. .55 85.. .56 25.. .56 70.. .57 10.. ,57 50.. .57 95.. .58 35.. .58 75.. .^ 20. . .59 60.. .60 00.. .60 45.. .60 85.. .61 25.. .61 70.. .62 10.. .62 50.. .62 95.. .63 35.. .63 75.. .64 20 . .64 60.. .65 00.. .65 45.. .65 85.. .66 25. . .66 70.. .67 10.. .67 50. . 7 7 00 05 7 10 15 20 25 30 35 40 45 50 55 60 65 70 75 80 85 90 95 8 00 8 05 8 10 Where 1st Class Unlimited Pass- enger Rate is Fronj To $ cts. 67 51. 67 96. 68 36. 68 76. 69 2]. 69 61. 70 01. 70 46. 70 86. 71 26. 71 71. 72 11. 73 46. 72 86. 73 26. 73 71. 74 11. 74 46. 74 86. 75 26. 75 71. 76 11. 76 46. 76 86. 77 26. 77 71. 78 11. 78 46. 78 86. 79 26. 79 71. 80 11. 80 51. 80 96. 81 41. 81 86. 82 31. 83 76. 83 16. 83 61. $ cts. .67 95.. .68 35.. .68 75.. .69 20.. .69 60. . .70 90.. .70 45.. .70 85.. .71 25.. .71 70.. .72 10.. .72 45 . .72 85.. .73 25.. .73 70.. .74 10.. .74 45.. .74 85,. .75 25.. .75 70.. .76 10.. .76 45.. .76 85.. .77 25.. .77 70.. .78 10.. .78 45.. .78 85.. .79 25.. .79 70.. .80 10.. .80 50.. .80 95.. .81 40.. .81 85.. .82 30.. .82 75.. .83 15 83 60 .84 00 IS CO **< S5 cts, 15 20 25 30 35 40 45 50 55 60 65 70 75 80 85 90 95 00 05 10 15 20 25 30 35 40 45 50 55 60 65 70 75 80 85 90 95 00 05 10 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 9 9 9 9 9 9 9 . 9 . 9 . 9 . 9 . 9 . 9 . 9 . 9 . 9 . 9 . 9 . 9 . 9 -10 .10 .10 ^g Where Ist Class ^ ^ UDlimited Pass- ^ enger Rate is | ^ From To Ha 84 84 84 85 85 86 86 86 87 87 88 88 88 89 89 90 90 90 91 91 92 92 93 93 93 94 94 95 95 96 96 96 97 97 98 98 99 99 99 100 cts. ^p 01.. 84 46.. 84 86.. 85 26.. 85 71.. 86 11.. 86 46.. 86 86., 87 26.. 87 71.. 88 11 .,.88 46.. 88 86.. 89 26.. 89 71.. 90 11.. 90 51... 90 91.. 91 31.. 91 71.. .92 16.. 92 61.. 93 06. 93 46.. 93 91.. 94 31.. 94 76.. 95 21.. 95 66.. 96 11.. 96 51.. 96 96.. 97 41., 97 86,. 98 26.. 98 66.. 99 06.. 99 46 99 86.i00 26.100 .S cts. $ cts. 45.. 10 15 85.. 10 20 25.. 10 25 70. .10 30 10.. 10 35 45.. 10 4(J 85.. 10 45 25.. 10 50 70.. 10 55 10.. 10 60 45.. 10 65 85.. 10 70 25.. 10 75 70.. 10 80 10.. 10 85 50.. 10 90 90.. 10 95 30. .11 00 70.. 11 05 15. 60, 05. 45. 90. 30. 75. .11 10 .11 15 .11 20 .11 25 11 30 .11 35 .11 40 20.. 11 45 65.. 11 3D 10.. 11 55 50.. 11 60 .11 65 .11 70 .11 75 .11 80 .11 85 .11 90 .11 95 19 on 25.. 12 05 65.. 12 10 95. 40. 85. 25. 65 05. 45. 85 Charge 12 per cent, of first class unlimited fare if over $100.05. i ' '' STEAMBOAT AEEANGEMENTS. * I. — The following steamship companies allow to travel- ling members of the Association 300 lbs. of baggage free • and deduct 25% off regular passenger rates, namely : Boston, Halifax and P. E. Line. Bras D'Or Steam Navigation Co'y. Fiswick's Line. Humphrey Steamship Line. International Steamship Co'y. Muskoka and Nipissing Navigation Co.— Lakes of Muskoka.— Steamers Nippising, Kenozha. Muskoka, Oriole, Lake Joseph. Georgian Bay. F. B. Maxwell, Telegram. Magnetawan Waters. Wenonah, Cecebe. NiagaraNavigation Co'y.— Steamers Cibola and Chicora. Book Tickets on sale at Secretary's Office. Nova Scotia Steamship Co'y. Toronto and Port Dalhousie— St'r Emi ess of India. Toronto and Hamilton. — Steamer Mpr wu, s are from Toronto to Hamilton, 75 cents ; 300 lbs. baggage. II.— Bay Quints Railway Navigation Company— 300 lbs. free. TJbj> foliowing steamers allow 200 Ibft. free and 25% oflf regular i.v^keta : ' Deseronto and Napanee Line — Steamer Pilgrim. OOMMBROIAL TRAVELLERS* ASHOCIATION. 17 Deseronto and Picton Line — St'ra Deseronto and Quintfe. Trenton, Belleville and Picton Line — St'r Quintd. Deaeronto, Picton, Kingston and Ogdensburg Line St'r Armenia. III. —The Clement's Line of steamers allow 20% off regular fares and 300 lbs. of baggage free. IV. — Ottawa and Montreal Navigation Co'y. Ottawa to Montreal and vice versa $2.60 each way, and 300 lbs. of baggage free. Tickets to be had only at Com- pany's offices at Montreal and Ottawa. V. — Richelieu and Ontario Navigation Co'y. Montreal to Toronto and vice versa $8.00 each way, and 300 lbs. of baggage free. Members' wives on same privileges. P. E. Island S. S. Navigation Co.— Twenty- five per cent, from tariff rates, 300 lbs, baggage free. VI.— Quebec Gulf Ports S.S. Co'y. Reduction of 25% off regular rates, meals and berths included. Fare between Quebec and M^tis $5 00 « " ** Gasp^ 11 60 «* ** " Persd 12 50 " " ** Pasbebiac 14 50 ** ** " Charlottetown and Summerside . , 18 50 *« <« «« Pictou 19 00 *• '* "• St. John, N.B 17 00 " ** " Halifax 19 00— less 25% off. Union Line Bay and River Steamers. — Steamer Em- press, for Digby and Annapolis, connecting with Windsor 18 COMMERCIAL TRAVETLBRS* ASSOCIATION. and Annapolis Railway for Kentville, Windsor, Halifax etc., and with Western Counties Railway for Weymouth' Yarmouth, and intermediate stations. Steamers David Weston, Mary Queen, and Star, for Frederiction, con- necting with New Brunswick Ra Iway, for Woodstock, Grand FalL, Edmunaton, Aroostook, etc., and with steamer FlonencoviJle, for Eel River, Woodstock, etc. Steamer Fawn, for Salmon River, Grand Lake callir^ at intermediate ports. ' ** Vir. -Rates and tickets with following steamship com- panies can be had at the office of the Secretary of the Association or the companies' offices in Toronto, namely : Canadian Pacific S.S. Co'y. Canada Transit Co. Great North- Western Transit Co. North- Western Transportation Co'y, Sarnia Line. , Halifax, eymouth, ?rR David ;ion, con- oodstock, nd with ;ock, etc. calling at jhip com- :y of the namely : Line. ACT Of mOOEPOEATION AND AMENDMENTS THERETO. An Act to Incorporate the ** Commercial Teavellers" Association of Canada. 37 Vic, cap. 96 (Dom.) 'Whereas an Aasociation under the name of ** The Com- mercial Travellers' Association of Canada," has exist- ed for some time past in the city of Toronto, having for its object the moral, intellectual, and financial improve- ment and advancement and welfare of its members ; and whereas the members of the said Association have prayed to be incorporated with certain powers, and it is expedient to grant their petition : Therefore, Her Majesty, by and with the advice and consent of the Senate and House of Commons of Canada, enacts as follows : 1. Warring Kennedy, William J. Bryan, Robert J. Wylie, James Paterson, and William L. MacGillivray, and the other present members of the said Association, and all other persons who may hereafter become members of the corporation hereby created, shall be, and they are hereby constituted a body politic and corporate in fact and in name, under tho name of ** The Commercial Tra- vellers' Association of Canada," having its headquarters in the city of Toronto ; and by that name shall have power from time to time, and at any time hereafter, to purchase, acquire, possess, hold, exchange, accept and receive, for themselves and their successors, all lands, tenements, and hereditaments, and all real or immovable estate being and situated in the Dominion of Canada, necessary for the actual use and occupation of the said corporation, and fche said property to hypothecate, sell, alienate and dispose of, and to acquire other instead thereof for the same pur- 1 20 COMMIKClAl HtAVIllERg' ASSOCIATION. .1 !i }'i ^4 poses ; and any majority of the said corporation for the ^Zh'll' f "" have full power and a?thoritT to maki tt'^.^af^r/^riXranl^eS^^^^^^^ T socation a^ may be in force atZ SI Ttht tt tn ation 'i^nTforth?"^ ^"^ the purposes of the said^*orpo to Provided a ways that it shall be awf ul for Z B "r^ thereof, or in the stock of t^^hTrrerdBinf ^17^ f'^-JI'^jection woe amended by 45 vie., cap. 120. ^c. o, post. d. Ihe afeirs and business of the said Corooration ,),»ii be managed by anExecutive Committeeror S of Diref nfth.^^^'Tf^ ^""^ personal estate, at present the pronertv of the said Association, or which ^«.v L.^.u^lll P^^P^^^^ by the Corporation, now constitutJdr^rirthrm^S: ON. COMMERCIAL TRAVELLERS ASSOCIATION. 21 ion, for the ty to make aws, in no e laws then may deem e said Cor- lereof, and » of the As- this Act, to or in part. I whatever ) the main- providing md for the or the said t the said lembers of repair of lid Corpo- aately in- e referred the Board > funds of •es of any ly of the Corpora- jr in any Province Canada. st\ 0, post. bion shall of Direc- Lon, con- lecretary rs of the )roperty acquired nembers thereof, in their capacity as such, by purchase, gift, de- vise, or otherwise, and all debts, claims and rights, which they may be, or become possessed of in such capacity, are hereby declared to be the property of the Corporation constituted by this Act, and the said Corporation shall be chargeable with and liable for all the debts, liabilities, and obligations of the said Aspociation, and the rules, regula- tions and by-laws, now established for the management of the said Association, or for the management of the read- ing-rooms and libraries above referred to, shall be, and continue to be the rules, regulations and by-laws of the said Corporation, until altered or repealed, in the manner prescribed by this Act. 5. Until others are elected, according to the by-laws of the Corporation, the present oflScers of the said Associa- tion shall be the officers of the Corporation, that is to say, the said Warring Kennedy shall be President, the said W. J. Bryan, R. J. Wylie and Andrew Hobertson, James Cantlie, Adam Brown, W. E. Sanford, and John Burrill shall be the Vice-Presidents, the said James Patterson shall be the Treasurer, the said W. L. MacGillivray shall be the Secretary, Charles Riley, Robert Cuthbert, W. Norris, J. Fairbairn, J. F. Ellis, R. B. Linton, J. B. Mather, D. McCall, S. Caldicott, James Cooper, Andrew Jack, John McDougall, James O'Brien, Jacob Wilson, Walter Won- ham, S. O. Shorry, James Turner, John Brown, Thomas Christie, Wm. McGivern, Alex. Harvie, John ^IcKenzie, A. T. Wood, J. H Park, Edward Long, George Laing, John Sutherland, and Robert Waddell, the other mem- bers of the Board of Directors. 6. The general meetings of the said Corporation shall be held in such manner, after such notice, upon such re- quisition, and at such times, in the city of Toronto, as provided by the by-laws of the Corporation. 7. All subscriptions and penalties due to the Corpora- tion, under any by-law, may be recovered by action or suit in the name of the Corporation, in any court of onm »"»«+.pn f. inria/lin'f.irkn V*nf or»K£»T» mnxr withdraw from the said Association, at any time on payment of all amounts by him due to the Cor- ' > i! 22 COMMERCIAL TKAVELIBRS' ASSOCIATION. ■\ 'Hi 'Ml m 11 poration, inclusive of hia subscription for the rear fh^n current after which he shall have^no cla^^or demand o^ any kind against the Corporation ciemand of to do^bv ^Z^r^^''''' '^^"' at all times, when required so to do, by the Governor or the Parliament of Canada o«^ -.u "^1-T^'P*^^''^ expenditure for such period (Assented to 26th May, 1874.) Ail Act to amend the Act to Incorporate *' The Com- MBRCIAL TkaVELLERS' ASSOCIATION OF CaNADA." 39yic., Cap. 68(Dom.) Whereas by the Act to incorporate ''The Commer- ciAL Travellers' Association of Canada " it w^^ ^ clared that the said Association had for U^ obie^L the" mrt^ntw^jL^^^^^ rf '"^^^^ improvemlt^Tdtnle! ^o^P nf ?h« '? A ^ l*V""embers ; and whereas one pur- pose of the said Associatiou was to insure its member, agamst accidents ; and doubts have been expressed whether such purpose falls by legal construction^within t^tb fh^"'*.' «o defined; Thereforer Her Majesty by anS . with the advice and consent of the Senate and House of Commons of Canada, declares and enacts as JoUows 1. The said Association shall have, and has power and authority, with and out of the funds thereof To make cTmpatv tZTr^! T'"" "^^ Accident In*sur"anc: mZ W J;.f ?K •5''?^^''*' ""^ casualties arising to the members of the said Association, whereby they mav suffer itT'fund^T'^' "J ^' disabled/or die, and aho tT apSy Its funds from time to time, in benefits, or bonuses to members thereof, during sickness or disability from aic^ dent, casualty, or otherwise, or at death, to the SmnTes Zr?J'.''^^ representatives of such memb'ers. and to makT «xxu xruai time to time to alter, such by-laws, rules "and regulations as may be necessary for anyluch purpose. N-. Commercial travellers' association. 23 3 year then demand of required so )f Canada, d personal, ich period, s the GoT- Che Com- ^ada. " ! Commer- it was de- bjects the , advance- 3 one pur- memberf* expressed ion within y, by and House of )ws : jower and , to make insurance g to the fiay suffer to apply muses, to om acci- families to make, liles, and 3ose, 2. And it is hereby declared that the Association has power and authority to grant any sura of money to the family or representatives of any of the members of the As- sociation who have died by reason of any accident since the incorporation of the suid Association, or to grant any sum of money to any of the members of the said Associa- tion who are living, but have suffered loss or injury, or have been disabled since the incorporation of the said Association. 3. At any annual meeting of the Association, members may vote by proxy, in the election of officers, in such manner as shall be provided by by-law. (Assented to 12th April, 1876.) An Act respecting " The Commercial Travellers' Asso- ciation OF. Canada." 45 Vic, Cap. 120 (Dom.) Whereas by the Act Incorporating the Commercial Travellers' Association of Canada, it is declared that the said Association had for its objects the moral, intellectual , and financial improvement, advancement and welfare of its members ; and whereas by the Act to amend the said Act it was expressly provided that the said Association should have power to apply its funds from time to time in "benefits" or ** bonuses" to members thereof, during sickness or disability from accident, casualty or otherwise, or at death to the families or personal representatives of such inembers ; and whereas shortly after the passing of the said Act the said Association passed by-laws making provision for the payment of bonuses upon the death of a member through accident, and also for a weekly indemnity if disabled, and such by-laws are still in force and have tended to advance the usefulness of the said Association ; and whereas the said Association at its last annual meet- ing passed by-laws amending their former by-laws, and establishing a ** mortuary benefit," to be payable upon the death of a member under the circumstances therein 24 COMMERCIAL TRAVELLERS' ASSOCIATION. hii n ill mentioned to his beneBciary or personal representatives ; and whereas doubts may arise as to the powers of the Association to pass such *' mortuary" by-laws, and it is in the interests of the Association, and expedient that all such doubts should be removed ; and whereas the said " bonuses" and " benefits" are in fact intended to afford assistance to the beneficiaries and families of the members, and it is desirable that such intention should be assured and given effect to ; and whereas the Association is also desirous that provision should be made for depositing a certain sum with the Receiver-General as a guarantee for the carrying out of the said by-laws ; and whereas it is expedient also that changes should be made as to the mode of investment of the funds of the Association, and whereas a petition has been presented praying for the passing of an Act for the above purposes, and it is expe- dient to grant the prayer of the said petition : Therefore Her Majesty by and with the advice and con- sent of the Senate and House of Commons of Canada enacts as follows : 1. The By-laws of the said Association, set forth in the schedule to this Act, shall have the force and effect in- tended by them, as if expressly enacted by the Parliament of Canada. 2. The '^accident bonus" and " mortuary benefit " pro- vided for by the said By-laws shall be respectively payable as theiein provided. 3. In the event of the decease of any beneficiary named m any application for membership or renewal thereof, the member by whom such beneficiary was named shall be entitled to have another beneficiary substituted so often as such an event shall occur ; and should no new benefic- iary be named, the interest of such deceased beneficiary shall survive to any other beneficiary or beneficiaries men- tioned in such application or renewal j and should there be none such, the said ''bonus" or '* benefit " shall be payable^ to the personal representative of the said mem- ktBt as ii no ueneficiary had been named. 4. Where more than one beneficiary is named in the application for membership of any member or renewal 4( N. COMMEllOIAL TltAVELLERS ASSOCIATION. 25 ^sentatives ; vera of the and it is in mt that all las the said 3d to afford le members, be assured lion is also lepositing a larantee for lereas it is 9 as to the iation, and ing for the i it is expe- ce and con- of Canada orth in the 1 effect in- Parliament nefit " pro- sly payable ary named biereof, the d shall be i so often w benefic- beneficiary aries men- Duld there " shall be said mem- led in the >r renewal thereof, and no apportionment is made therein, such beneficiaries shall share equally in the said "bonus" or "benefit." 5. Section two of the Act passed in the 37th year of Her Majesty's reign, chaptered 96, is hereby amended by strik- ing out the words " in the stock of any chartered bank of Canada," and by inserting in lieu thereof, the words ** by depositing the said funds or an}^ part thereof with any chartered bank or loan company in Canada upon receiving an undertaking or deposit receipt therefor from such bank or company." 6. The Association shall, or or before the first of July next, deposit with the Receiver- General the sum of fifty thousand dollars, as security for the fulfilment of the purposes and objects provided by the said By-laws, and for securing to members and beneficiaries the payment of such sum or sums of money, as may under the provisions of this Act, and the By-laws of the Association become payable to them ; and no portion thereof shall be with- drawn, except with the sanction of the Governor in Coun- cil on report of the Treasury Board. 7% The said sum may consist of money or of any of the securities mentioned in the Act incorporating the Associa- tion, as amended by this Act (excepting mortgages), and the value thereof shall b© estimated by the Receiver -Gen- eral according to their market value at the time of such deposit. 8. The Association may from time to time deposit with the Receiver-General any further sum or sums of money or securities, for the purposes and objects provided by the said By-laws ; and so much of such deposits as may be necessary from time to time to meet the requirements of the said By-Laws shall be payable, or securities to the like amount shall be delivered up to the Association, by the Receiver- General on requisition therefor, from time to time made under the seal of the Association, and the re- soective sisrnatures of the President. Secretarv and Treas- «. •_• • . 1/ urer, and counter-signature of one of the Auditors of the Association. m im ! f 4f ii i ii Va'l 1 i-V 26 COMMERCIAL TRAVELLERS' ASSOCIATION. (Assented to 17th May, 1882 ) June, 1887. vrovernor m Council by order, dated 30th An Act •'*«»*^ fo "The Commkkcia. Travk.ler.s- ASSOCIATION OF CANADA." 46 Vic, Cap. 61 (Ont.) relating thereto naaTfiHRt l.I Parliament of Canada payment out of Us flarlf " T^'I"^ FT'"''"' ^"'^ *he "Mortuary Benefits "T.LJ "^r''^"' Bonuses,' and and their Mes^'UUererfuch b1 f"' A='""='»«''" firmed by an Act of tCTij l> r By-laws were con- session a^nd chaptered onLhf ''!?"'?""!, ^"^^ "* •'« I*'* 'ION. COMMERCIAL TRAVELLERS* AaSOOIATION. 27 such deposits Is due and is ie to this Act » provided by Libject always and so that ^fching in this 17, 18, 19, 65, 72, 73, 74, 75, 3cember, 1886, 8r, dated 30th Travellers' ition of Can- t of Canada :sion for the luses,' and Association J were con- >d at its last ity, and it laws should he same is advice and Vovince of the Legis- )vided that ation, any lefitof any I all claims by the creditors of such member ; and where, on the death of any member of the said Association, any sum of money becomes payable under such By-laws, the same shall be paid by the Association, or the proper officers thereof, to the person or persons entitled thereto under the said By- laws ; and such money shall, to the extent of three thou- sand dollars, and when the same is payable to the wife or child, or children of the deceased member or any of them, be free from all claims by the personal representatives or creditors of the deceased ; and in case any sum is paid in good faith to the person who appears to the Association to be entitled to receive the same, no action shall be brought against the Association, or any officer thereof, in respect to the money so paid ; but, nevertheless, if it subsequently appears that such money has been paid to the wrong per- son, or persons, the person entitled thereto may recover the amount, with interest, from the person or persons who may have wrongfully received the same. (Assented to 1st Feb., 1883.) 4 iiii 'ifflttii 'iti PEEAMBLE. In the year 1871 a number of the Commercial Travellers of Canada, became convinced that a compact or organisa- tion of those engaged in their particular sphere of mer- cantile life, could be made productive of desirable results to its members. In accordance with this belief, a society was formed in the city of Toronto, under the name of ** The Commer- cial Travellers' Association of Canada," and the same duly incorporated by act of Parliament passed 26th May, 1874, and by an amendment thereto granting further pri- vileges in March, 1876. The originators of the scheme found at first much to discourage them, but by persistence in their efforts, the Association subsequently grew strong both in numbers and influence, and in consequence thereof eventually succeeded not only in making progress towards the moral and social advantages primarily aimed at, but also in securing im- portant material or financial benefits, which the Commer- cial Travellers separately, or without such organization, could not hope to obtain. The material or financial benefits consist partly of pre- ferential rates and privileges from Railway, Steamboat, Insurance, and Telegraph Companies, or such other par- ties from whom Commercial Travellers individually could not obtain any concession from ordinary rates. rti tl Travellers or organiza- ere of mer- -able results 8 formed in FE COMMER- nd the same I 26th May, further pri- rst much to efiforts, the lumbers and [y succeeded A and social ecuring im- tie Commer- rganization, 1 OOMMERCIAL TRAVELLERS' ASSOCL^TION. 29 The facilities for the mutual interchange of valuable information on matters of peculiar interest to Commercial men, also form an appreciable benefit to be derived from such organization. , The moral and social objects of the Association are ad- vanced by a better cultivated acquaintance amongst its members, and the more frequent interchange of courtesies occasioned thereby, which also tend to develop a kindly interest in each other's welfare by those whose occupation necessarily removes them so much from the immediate m- fluences of their homes. A stated place of general meeting, with Reading Room and Library, aLo an organ of public expression, are amongst the aims of this Association, as it is believed that such agencies may be made Conducive to the intellectual ; advancement and general social progress of its members. I rtly of pre- Steamboat, other par- lually could . BY-LA.-W8. \im^ lawQO.'^^' ^"^ %-^a^s prefixed * or * ^ see note to By. ARTICLE I.— NAME. 1. The Association shall be called and known as **The CoMMEiiciAL Travellers' Association of CanadI." ARTICLE II. — MEMBERS. veLrT-T'^'"]'/'''?'? "K*" ''^"'^'*^ «^ '' Commercial Tra- h«rl" ' ,^«^f ^t«r dehned, who shall be - Travelling Mem- as ' Hn"n ^^^'Z^^'^''^'':; ^^^"^^^ *^> ^^« «l^*il be known as Honorary Members." ARTICLE in. —OFFICERS. 3. The officers of the Association shall be a President seven Vice-Presuients, a Secretary and a Treasurer ' ooiV Au ^^ ^^^l^ ^"^ *° executive Committee, otherwise called the Board of Directors which shall consis of The ARTICLE IV.-DEFINITION OF ELIGIBILITY AND QUALIFICA- TIONS FOR MEMBERSHIP. 5. A "Commercial Traveller" means primarily and strictly a person who travels to sell merchandise, and the SoTthi^'f '"'"'i^ ^'^"^^ ^" reference to the mem! Dersnip of this Association, as a man, whether Employer or Employee, who travels statedly as salesman for a whole- ior^.lT^'1^1 take orders from dealers or manufacTurers for goods which shall be sent afterwards. tion anS^wr^'f 'i«f .t'^'^l^'''^ membership in this Associa- filwt^.^A^_,^"i^^.*^^ ^^P^^ definition require also the -.^...^TTiiij- HUttiiucauona, viz. : COMMERi.'IAL TRAVELLERS' ASSOCIATION. 31 wn as **The 3, otherwise QUALIFIOA- 7. To travel at least four months in the year in Canada. 8. To have residence or business connection or at least an office in Canada. .9. Not to be indebted to this Association, except for assistance rendered. 10. Not to have been expelled from membership by any Commercial Travellers' Association in Canada, for any oflFence involving a breach of faith with any Company giv- ing privileges to this Association, or not to have been re- fused membership by any such Association on grounds other than the mere absence for the time of some of the above qualifications shown in by-laws 5, (>, 7, 8 and 9. 11. To have the approval of the Board of Directors, and to be considered by them not only as eligible and qualified, but also desirable as Members of the Associa- tion. . 12. The following is a list of the lines of wholesale busi- nesses usually accepted as Entitling Travelling Salesmen therefor, to be eligible for Travelling Membership : Books and Stationery, Metals, Boots and Shoes, Millinery and Laces, Carpets and Oilcloths, Organs and Pianos, Crockery and Glassware, Optical Goods, Carriage Furnishings, Paints and Oils, Confectionery, Paper, Drugs and Chemicals, Rope and Cordage, Dry Goods and Clothing, Smallwares & Haberdashery Fancy Goods, Soaps and Candles, Groceries, Sewing Machines, Hardware, Tobacco and Cigars, Hats, Caps and Furs, Vinegars and Spices, Jewelry, VVines and Liquors. Leather & Leather Goods, Wooden Ware. 13. The Directors however, may entertain applications from duly qualified Commercial Travellers, whose busi- ness may not be indicated in any of the above named lines ; but paddlers or those who travel to sell to consumers in any line of business are not qualified or eligible for mem- bership in this Association. 32 OOMMEllOIAL TRAVELLEiw' ASSOOIATlUN. 'i:':i:ii ARTICLE V. — MEMBERSHIP. U. Applicants for Travelling Membership are required to fill up form No. 1, to have the same signed and vouched for by two Directors, also by the Firm represented when practicable. 15. Persons who have been members may rejoin at any time within the year next succeeding the expiration of the year during any portion of which they were members, pro- vided that they possess the requisite qualifications and fill out and sign form No. 3. Re-admission into the Asso- ciation will, however, at any time, be conditional on con- tinued eligibility, qualification, and approval by the Board of Directors. ARTICLE VI. — HONORARY MEMBERS. 16. ^ * Travelling members of five or more consecutive years' standing, who may have ceased to be Commercial Travellers, shall be eligible as Honorary Members, and on becoming such, shall be entitled to all the rights and privileges of members, except travelling privilege's ; pro- vided always, that application for such honorary" member- ship shall be made within twelve months after the appli- cant shall have ceased to be a travelling member ; and provided also, that those who fail to make application as aforesaid, and also those who are, or may hereafter be Honorary Members, but fail to rejoin, as permitted by By-law 15, shall cease to be eligible as Honorary Mem- bers. 17. ■* Applicants for Honorary Membership are required to fill up Form No. 2, such application to be subject to the approval of the Board* of Directors, as well as all other conditions aflTecting membership, and which are not essen- tially i^eculiar to travelling members. 18. * Honorary Members becoming eligible, and qualified for travelling membership, may become such on complying with the requir ^ " '• . - • ^ ^ & ship. C 1 • Oi appiieanta tor auch member* his chi N. COMMERCIAL TRAVELLERS ASSOCIATION. 33 ire required md vouched ented when J join at any ation of the mbers, pro- ons and fill 3 the Asso- )nal on con- y the Board jonsecutive !/ommercial ers, and on rights and 3ge8 pro- y member- the appli- tiber ; and lication as ereafter be 'mitted by ary Mem- •6 required >ject to the ? all other not essen- d qualified complying I member- ARTICLE VII.— SUBSCRIPTIONS. 19. * The Annual Subscription for members shall be ten dollars, to be deposited with the application for member- ship. ^ - , , 20. Certificates of Membership are not transferable under any circumstances whatever. 21. In the event of a certificate being lost, and a dupli- cate to replace it being required, the sum of two dollars shall be paid for the same ; and any member finding a lost Certificate is expected to send it immediately to the Secre- tary of the Association, at Toronto. 22. Annual Subscriptions shall be for Membership to the end of the current year in which Membership is ob- tained. 23. Benefits and Bonuses expire by date at twelve o'clock, midnight, on the 31st of December. 24. The Directors and Ofl&c.ers elect are required to pay the Annual Fees before taking their seats as Directors at the Board meetings of the Association, in the year for which they are elected. 25. Any Secretary of the Association who is authorized to issue Certificates of Membership, shall have the discre- tionary power of doing so at once, to qualified applicants, #hen he fully believes they will be approved of, but in cases where he has reason to donl)t such approval, he shall not issue the Certificates, but shall hold overthe applica- tions, pending the approval of the Board of Directors, to whom he shall communicate his knowledge, and views of the circumstances of the applicants as regards qualifica- tions, eligibility, and other considerations. 26. All candidates, upon being admitted members of the Association, are required, when practicable, to sign the Constitution and By-laws in a book kept by the Sec- retary for that purpose. 27. It shall be the duty of every member of the Associa- tion to report to the Secretary any matter coming nnder his cognizance, which may in any way afiect the interests, character, or prospects of the^Association, and any irregu- larity on the part of its members, or others' which would B ;r-- 34 COMMBllCIAL tRAVELLBRS' ASSOCIATION. lii^^ affect the interests of any Railway or other Company from whom this Association has special privileges. 28. Certificates of membership, issued by the Secretary of the Association through deception or mis-representation on the part of the applicants, and such Certificates as do not pass the approval of the Board of Directors, may be at once re-called or cancelled, in which case the subscrip- stion paid shall be returned to the parties, deducting a proportion to be estimated by the Directors, based upon the cost of issue, the investigation of the case, and the value of benefits received meanwhile through such Certi- ficate by the holder thereof. ARTICLE VIII. — ELECTION OF OFFICERS. 29. Nominations to any office must be restricted to those who are then duly accepted members, and should also be restricted to those who consent to stand as can- didates, and who are enabled to give the requisite attend- ance at the meetings, and to perform the other duties devolving upon them by virtue of the position. 30. The President, Vice-Presidents, Directors and Treasurer, shall be elected Annually. Should only the requisite number be nominated to fill any office or officea^ he or they shall be declared duly elected ; but in the event of more than a sufficient number being nominated, a ballot shall be taken as provided in By- law 57, when the candidate or candidates to a number sufficient to fill such office or offices, receiving the highest number of votes shall be declared duly elected. Should there be a tie up- on a vote for any office or upon any motion, the Chairman of the meeting shall have a casting vote. 31 . Retiring officers are eligible for re-election if duly nominated. 32. The Secretary of the Association in Toronto shall be a paid officer, and shall be appointed by the Directors. Those who act as Secretaries in other places shall also be ObMMEllOlAL TIIAVELLERS' ASSOCIATION. 35 mpanyfrom j^j^^j^j^j^ ix.— composition ' of the boakd of dikectoks. I 33 The respective quota of Members to be elected to [he Bjard of Directors shall be from, or shall represent the various places as follows : ,:,. ^ . o a 34 Toronto— President, Treasurer, First and Second rice-Presidents, and nine other Directors. 35. Hamilton— Two Vice-Presidents, and six other ^36? Montreal— One Vice-President, and two other 3?!^ Guelph— One Vice-President, and one other Direc- tor. 38. Kingston— Two Directors. 39. London— Two Directors. 40. Brantford— Two Directors. 41. Winnipeg— One Vice-President, and two other )irectors. 42 Berlin— Two Directors. , ^ ,^. ^ u n 43 Nominations for the Board of Directors shall )e made at the General Meeting to be held on the rst Saturday in December without further notice. 44 All vacancies upon the Board or in any o&ce aris- ing from death, resignation, or by absence as hereinafter )rovided, shall be filled by the Bcmrd of Directors, except hat the First and Second Vice-Presidents shall succeed •espectively to the next highest office, upon any vacancies .ccurring therein. Should any member of the Toronto motaoi the Board absent himself for three consecutive wular Board meetings, without previous leave by reso- 'ution of the Board having been obtained, his seat shall hereupon become vacant. article X.— duties of officers. 45. Auditors. There shall be' two auditors elected at the mnual meeting, whose duties shall be to audit the books md accounts of the Association. » -. . i, n u^ i 46. The President and First Vice- Freside7it shall he I , -^•-.•- -.r -,11 ^^»v»r«Uffioa Th A President snail jiave general oversight of the affairs of the Association, and 36 COMftlEKCIAL travellers' ASSOCIATION. i i shall preside at all meetings ; in his absence the Vice-Pre- sidents, according to seniority, shall perform his duties In the event of the absence of the President and First and becond Vice-Presidents from any meeting, the meeting shall have power to organize and appoint a Chairman pro 47. The duties of the Secretary shall be to attend all meetings m connection with the Association, to take cor- rect minutes of the same, to give all proper notices, to issue certificates of membership, to keep the Books of the Association as may be proper and necessary, to attend promptly to all correspondence under the direction of the President, or m his absence the senior Vice-President to collect and receive all moneys of the Association, and de- posit the same forthwith to the credit of the Association in its J3ank, to make statements thereof as the Bo, -d may require, and generally to conform to the wishes of the i3oard. The .Secretary shall furnish such guarantee bonds as may be required by the Board for the performance of nis duties. rtu 1*1 ^^?'^^ ^® *^® ^^^*y ^^ ^^® Treasurer to take charge of the blank certificates of membership, issue them from time to time, as may be necessary, to the Secretary, keen- ing a book for such purpose, in which the date of issue to the Secretary shall be ncfted, which book shall be balanced monthly and the certificates accounted for. He shall also receive all securities or evidences of title belonging to the Association and forthwith deposit the same, Subject to the order of the Board, in the Association's Bank or in such other place as the Board may appoint for safe keep- mg. ARTICLE XI. — BOARD OF DIRECTORS 49 The Board of Directors shall have the care and superintendence of the Association, and the custody of its property The Board; shall cause to be kept fair and accu- rate minutes of all their transactions, and of all receiots and payments on account of the Association, and shall cause such accounts to be TpadA"r» aTrr^,..r^ — ..:_ . x ,, thirtieth of November; and submi't the^^^irto the knnua! f< ION. OOMMERCIAL TRAVELLERS* ASSOCIATION. 37 the Vice-Pre- m his duties, and First and the meeting Chairman pro to attend all , to take cor- er notices, to Books of the fy, to attend -ection of the President, to ition, and de- Vssociation in e Bor. 'd may Irishes of the irantee bonds jrformance of 9 take charge le them from sretary, keep- te of issue to 1 be balanced He shall also mging to the f, -subject to Bank, or in 3r safe keep- le care and ustody of its ir and accu- all receipts a, and shall -.:_ . J. II vizi. ; to une the Annual General Meetings of the Association, and all accounts shall be passed by the Directors before being paid. 50. The Board of Directors shall employ so much of the income of the Association as shall appear to them necessary for the promotion of its objects and interests. 51. All payments shall be by cheque upon the Associa- tion's Bank, signed by the President and Treasurer, and countersigned by the Secretary; in the absence of the Pre- ' sideut, the senior Vics-President shall attach his signa- ture to the cheque. 52. The Board of Directors shall have the power of form- ing themselves into Sub-Committees, whose decisions, however, shall not be considered as final, until confirmed by the Board. ARTICLE XII. — MEETINGS. 53. The Board of Directors shall meet on the last Satur- day of each month, at eight. o'clock, p.m., or as often as they may deem necessary for the welfare of the Associa- tion — three to form a quorum. 54. A General Meeting of the Association shall be held at their Rooms in Toronto, on the first Saturday in March, June, September and December at eight o'clock, p.m.— ten to form ^ quorum. 55. The President, or, in his absence, the First Vice- President, shall, at the request of two members of the Board, call a special meeting of the Board of Directors, one day's notice having been given by the Secretary, and no businesf' shall be transacted other than that contained in the notice ; five to form a quorum. 56. Special meetings of the Association shall be called by the President, or, in his absence, by the First Vice- President, at the request of five members, notice of which must be given, at least four days previous to such meet- ings, either by circular or advertisement in the public press. No business shall be transacted at such meetings other than that stated in the notice. 57. The Annual meeting of the Association shall be v.«i/i i« Tr.*.rwri4^r. {n f.ViA laiaf wftfik in December. Ten to form a quorum. Due notice of this meeting shall be given 11 III ! ' A 38 COMMEKOIAL TKAVELLEKs' ASSOCIATION. to every member and a suitable ballot slip, showing the nommations or Officers and Directors of the Assocktion shall therewith also be sent by mail to each member re questing him to signify his choice thereon, and return the lT{J'\''^°''li' to the Secretary, so a; to reach Mm election.' "'^'''^"^ ^^ *^" ^^^ appointed for the ARTICLE XIII. -RULES 01 r.>, ;r aT MEETINGS. 58. As soon as the presiding officer has taken the chair folWs^r'"" ^'""*' *'' ^^^^^ '' procedure shall be a^ (a.) The reading of the minutes of last meeting • the consideration of any objections which may be made to anv part thereof, and the approval, with or without amen d^ ment, as the case may require. aniena- (6. ) Admission of members. thiUa^cTorDSors"' "=''"«'^-''«- "^ -^ -port from (d.) The receiving and consideration of any reoort from bpecial Committees in the order of priority (c.) riie receiving and consideration of ' accounts and pri^rit?" "''""•^*'**'°° of unfinished business in order of (g.) New business. 59 No motion shall be offered to the meeting (if the Secretary requires it) otherwise than in writing.^ ^ t^^{ t ""■'*"' T language expressing the will or in- tention of any meeting, either of the Boa?d of Director^ or of the Association, shall be considered a proper mTnut^' unless u,trod„ced by resolution duly mo ved^and seceded' 61. No question or motion shall be put to the meethi; unless moved and seconded, and when niit nn LS> ^ tion shall be receivable, unless ft be Xotion hC To ad' journ ; second, to lay on the table ; third to nut^henrr =r«n*r„" It^i^ postpone inaefi.*^^; \K ^ ...-^-...^ ..,^. ^ ,^,.,^,,, ,,jjjg . gj^^jj^ ^^ ^^^^^ ^ ^^ seventh, COMMERCIAL TRAVELLERS' ASSOCIATION. 39 to amend ; and these several motions, if made, shall have precedence in the order above stated, and the first three thereof shall be decided without debate. 62. When a blank is to be filled, the question shall first be taken on the highest sum or number, or the longest time proposed. 63. Any member intending to speak on a question shall rise in his place and address the chair. Should more tlian one person rise to speak at the same time, the chairman shall decide which is entitled to the floor. 64. At the Annual meeting the election of officers shall take precedence in these rules of order, after the meeting is formed, except when there are proposed alterations in the By-laws to be discussed, when the meeting may deter- mine which it will take xip first. ARTICLE XIV. — ACCIDENT BONUSES. 65. -^In the event of a member of this Association sus- taining any bodily injury from an external, violent or ac- cidental cause, and subject to the conditions hereinafter mentioned, and such injury alone shall have caused his death within six months from the happening thereof, the person or persons of the said member's family whom the said member shall name as his beneficiary or beneficiaries in his application for membership, or any renewal thereof, or the legal representative of such deceased member if no such beneficiary or bene f- claries shall have been so named, shall be entitled to the sum of one thousand dollars from the funds of this Association. (a) * In the event of a member of this Association sus- taming any bodily injury which shall not be fatal, but which shall independently of any other cause totally dis- able him and prevent him from continuing the prosecution of any and every kind of business, then, on satisfactory proof of such injury and disability being furnished to the Secretary, such member shall be compensated from the funds of this Association against loss of time thereby caused, in the sum of five dollars per week, during the continuance of such diaabilitv strtn fnr « rkavir.ri nr»f a.^. ceeding twentyrsix weeks. (6) ** The provisions of this By-law shall not extend to ^ r vjf:. .m n. 40 COMMERCIAL TRAVELLERS' ASSOCIATION. any bodily injury of which there is no external' or visible sign, nor io any bodily injury happening directly or in- directly in consec^uence of disease, or by the taking of poison, or by any surgical operation, or medical or mechanical treatment for disease, nor to any case except when the injury aforesaid is a proximate and sole cause .of the disability or death ; and no claim shall be made under this By-Law when the death or injury may have been caused by duelling or fighting, or by suicide (while sane or insane) or self inflicted injuries (so inflicted with intent to defraud) or by concealed weapons carried by a member in whose regard application for accident bonuses may be made, or when the death or injury may have happened in consequence of war or invasion, or by exposure to any obvious or unnecessary danger (unless in the laudable effort to save human life or property) or while engaged in or in' consequence of any uijlawf ul act. (c) * Any sum of money which may be paid by way of compensation . to any member by virtue of this By-law, shall be counted in diminution of the sum which may be payable in the event of death arising from the same acci- dent or injury. ARTICL*E XV. — MORTUARY BENEFITS. 66. ^ On the death of a member the per^n or persons of his family whom he shall name in his application for membership, or any renewal thereof, as his beneficiary or beneficiaries, or in default thereof, the legal representa- tive of such member, shall be entitled to receive a benefit as provided in the next succeeding By-law. 67. "^ The said benefit shall be provided for and ascertain- ed as follows : — (a) The net funds and investments of the Association, as they were on the fifteenth day of December, one thou- sand eight hundred and eighty-one, shall be and the same are hereby set apart, and shall be known as the " Perma- nent Reserve Fund." (b) "^ * The interest earned on such Permanent Reserve Fund, and on the current funds of the Association, to- gether with one-half of the annual subscriptions from membership fees, made up to the thirtieth day of Novem- COMf SRCIAL TRAVELLERS ASSOCIATION. 41 I aacertain- ber in each year (first deducting from such fees all outlays other than those under By-laws 65 and 66), shall be known as the ** Annual benefit Allotment," and shall be for the oayment of the said benefit. " (c) "^ ^ The Directors shall determine annually, as of the thirtieth day of November in each year, under compe- tent advice, a " mortuary benefit" for the eYisuing year, and such *' mortuary benefit" shall be the result arising by dividing the '' annual benefit allotment by the expected mortality of the Association, according to the H. M. Table of Mortality, of the Institute of Actuaries modified from time to time, as far as may be considered prudent by the actual mortality of the Association. (d) * The " mortuary benefit" thus ascertained shall be the benefit payable under Bylaw 66. 68. ^ The benefit under By-laws 66 and 67 shall be and the same is subject to the following provisions, namely— (a) ^ The whole amount thereof shall be payable only upon the death of a member who shall have paid his sub- scriptions, and been a member for ten or more consecu- tive years immediately preceding his decease, and for this purpose the year in which the death occurs shall be counted as one year, and such benefit shall be reduced one-tenth for each year of consecutive membership less than ten. (a.a.) "^ * Provided also that the amount of ?uch benefit as to persons admitted to membership on and after the 1st day of January, 1887, under By-Law 14, and being new members, shall be regulated, as to scale, according to the age of the applicant at his birthday next following the date of his admission, and shall be payable upon the table following : viz : Age at birthday next following admission . 35 years and under. Proportion of benefit payable. The whole benefit. 36 to 40 years inclusive 85 p.c. of whole benefit. (I 41 to 45 46 to 50 CI A^ KK 56 to 60 61 to 65 66 to 70 and over. (I (( (4 70 55 40 30 20 15 u (< t< <( ll . * No claim shall be payable under these By-laws un- less a medical adviser of this Association shall be allowed to examine the person of the member, in respect of any alleged injury or cause of death, when and so often as may be reasonably required. 76. * All claims under these By-laws must be submitted to the Board of Directors, who shall have authority, and whose duty it will be to investigate the same, and decide upon their validity ; and if the same are allowed, to order their payment. The powers of the said Board herein shall be those of arbitrators, and their decisions shall have the force and effect of an award. 77. ^Claims under these By-laws shall be payable within . sixty days after satisfactory proof shall have been furnished as aforesaid. 78. * The party entitled to receive any accident bonus or with a legal discharge thereof. 44 OOMMEKOIAL TRAVELLERS' ASSOCIATION. r 'hi ARTK'LB XVII. ~DKALIN(i WITH OFFENDERS, 79. Any member who shall use abusive or improper language in the meetings of the Association, or who shall be guilty of disrespect towards the presiding ofhcer, or of habitual drunkenness or immorality, or who shall abuse or attempt to abuse in any way the advantages or privi- leges of the Association, shall be liable to a charge and after due trial, may be fined, reprimanded, suspended or ex- pelled, as the Association may determine. 80. Any member guilty of abusing or attempting to abuse the privileges of the Association, is liable to imme- diate suspension by the Presidoni, awaiting the action of the Board of Directors, and the Association. 81. No member shall be put on trial unless a charge, or charges, duly specifying his alleged offence, or offences, shall be first submitted to. the Association in writing, signed by one or more of its members. 82. Any charge, or charges, so preferred, shall be re- ferred to a committee of five members to be appointed a« the first general* meeting, of whom three shall form a quorum, which committee shall, with as little delay as the case will admit, furnish accused with a copy of the charge, or charges, summon the parties, and examine and consider the matter in question. 83. If, after the reasonable notice of summons, the party accused fails to appear or to give satisfactory reply, the case may be gone on with in his absence. 84. The committee shall,after due investigation, submit a report of its proceedings, together with the evidence ob- tained, and a resolution, recommending what action in their opinion, should be taken. 85. Should the decision of the Committee not involve suspension or expulsion of the accused member, and should no appeal be made therefrom, it shall be final with- out further action of the Association. 86. Should the committee be convinced of the necessity of suspending or expelling a member, a motion to that effect shall be submitted, signed by at least three of their number. COMMEKIJIAL TRAVELLERS* ASSOCIATION. 46 87. Any motion for the suBpenaion or expulsion of a member, shall be announced at the regular meeting pre- vious to that on which it comes up for decision, which last . meeting the member under charges shall be summoned to attend, and at the time appointed, whether the implicated member be present or not, the Association may proceed to consider and determine the matter. 88. The Association shall have power to vary the pen- alty, to one more or less severe than that contained m the motion submitted by the Committee. 80. In all cases of the expulsion of mer oers, the hocre- tary of the Association shall immediately notify all other Travellers' Associations thereof, as well as the Railway or other Companies interested. ARTICLE XVIII.— ALTERATION OF BY-LAWS. 90. No motion to repeal, si^spend, annul, amend or add to these By-laws, or any part thereof, nor to alter the rules of order shall be put to vote, except at the Annual Meetincy of this Association. Two months' notice of the exact afterations shall be given to the Secretary, in writ- ing, by the member proposing the same, and a printed circular containing the proposed changes shall be sent by the Secretary to every member of this Association, at least three weeks prior to the date of the General Annual Meeting, and such alterations of the By-laws may be ac- cepted with or without amendment, upon at leasL two- thirds of the members present voting in favor thereof. - Note.— The By-laws preceded hij an asterisk * wer^ in- cluded in the schedule to the amending act vf 1883, miie- paqe 25 ; and all by-laws or subsections of by-laivs prepzed * * were amended or added to by leave of the Governor-Gen- eral in Council, under ISec. 10 of said act. None of such by- laws can be amended or repealed unless with the, approval of the Governor-General in Council under said Sec. 10, or by Legislation, . * i i THIRTEENTH ANNUAL REPORT OF THE <• Rbci Oi Or n Hi L Di In BOARD OF DIRECTORS. 1885. • ♦ » Gentlemen, In presenting the Thirteenth Annual Report, your Di- u^onkTf ^/I'f.^ ?'^'« *" congratulate the' membei lirJtJ^^ *,?•■ *he Association has attained that finan- oi^anization ; that its Permanent Reserve Fund now amounts to over |100,000. This satisfactory position has been reached by a indici- ous husbanding of its resources and by great TeUdenSl with regard to insurance, there being no mortuary bene- fits payable unt 1 recent years, and now that the obiect so long and steadily worked for has been accompHshed,your Directors feel that they are but expressing the eraeral tWtTh? ; "'^'" tW point with gratificatioVVo the L that the permanent character of the Association and its schemes of insurance are placed beyond question Xhe surplus amounts to 1100,510.00, while the cash aa llooXarTt ''; *-^ f^lf"^"* Kese^e Funta"" to $13,930 75 ^*"' ^°'" *^ y^*"" J""* "^"'"'^ ''■""""t^ ni"nTw Mn?2 289''°'^' "' '""^"^^ ^^^ ^^' '^'^ *°*=^' by*: Se"X^?: ^oofc"* °f ^''^ transactions, as shown COMMERCIAL TRAVELLERS ASSOCIATION. 47 ^T /RS . i, your Di- members that finan- i since its ^und now 7 a judici- «elf denial st,iy bene- object so bed, your e general > the fact n and its 3 cash as- ^^und are amounts the total as shown Ordinary Certificates, 1884. ... $ 50 <^0 Ordinary Certificates, 1885. . . . 22,640 00 Honorary Certificates, 1 885 ... . 250 00 DupUcates 76 00 $23,016 00 Interest 4,762 23 $27,778 23 Disbursements. Advertising $ 129 80 Commission 296 00 General Expenses 637 17 Specisd Expenses 1,279 81 Printing 411 53 Stationery 176 50 Papers and Periodicals 92 65 Rent and Gas 260 19 Office Furniture (written off). . 100 00 Salary 1,200 00 Mortuary Benefits 8,350 00 Accident Bonuses 913 83 Balance- Net Profit 13,930 75 $27,778 23 Under the provisions of By-Law 67, your Directors laid aside $13,000.05 at the beginning of the year as the Annu- al Benefit Allotment, and fixed the Mortuary Benefit at $1,100. The following shows the disposition of the allotment : Beneficiary of B. Walton $ 880 00 « E. Macquistan .... 1,000 00 '» J.Mason 200 00 *« A. B. Deacon.... 990 00 " E. B.Guillett 900 00 " A. Junkin 770 00 f^ John Zimmerman . 1,100 00 «' D. Corrie 770 00 " J. Lawrence 550 00 " J.F.Lyon 1,100 00 Total payment from Annual Bene- fit Allotment $8,350,00 If m .1 48 OOMMEECIAL TRAVELLERS' ASSOCIATI N. they bring out in a practical way the wisdom of thenoui' nmformly pursued of conserving the resourZ of the^A.LT dental has proved a Batisfactormor of afford nra^oTr" tain amount of compensation for loss of time throLhT ?h\^\xrn';ibt"'fr^utira^^ BeSltta^a-etr ^^^^^ ^~ :SdV^^ iTr^l'l^':!^"'!' -■"P'^ted their arrangements uXwmI^' mmthu^T^ passenger, the holders of their certificates COMMERCIAL TRAVELLERS ASSOCIATION. 49 ^er to the Accident lor inju- ' amount By-Laws exceeds ticreased erve ex- This is t on the ase the figures Fund ; B policy le Asso- Qulated id is an system for the -n acci- \ a cer- igh iU- s trust ? year to the rs last adein sed to , that f bag- ation, have, 5 icates . just they have obtained, and are issuing their certificates without charge. Your Directors do not apprehend that our mem- bership will be affected by reason of this disturbing influ- ence, and are confident that when the nature of the alleged advantages is understood, but few merchants will coun- tent*nce the new departure, and that few travellers will care to forego our greater benefits, and work under the auspices of an alien organization. Acting as usual under the advice of Mr. IdcCabe, Man- aging Director of the North American Life Assurance Co., your Directors have fixed the Maximum Mortuary Bene- fit for 1886 at $1,100.00. In accordance with the unanimously expressed wish of the last Annual Meeting, the Anniversary of the Associ- ation, which has heretofore taken the form of a Dinner, will this year be marked by a Conversazione to be held at the Pavilion, Horticultural Gardens, Toronto, on the evening of December 30th. The celebration is in charge of a joint committee composed of members of the Board, and members of the Commerckl Travellers' Glee Club. No effort is being spared to malce the event in every way worthy of the Association, and your Directors confidently look forward to a large attendance of members and their friends. H. BLAIN, JAMES SARGANT, President. Secretary, Toronto, December 19th, 1885. TREASURER'S STATEMENT, 1885. Cash Assets. Government Deposit $50,000 00 People's Loan and Deposit Co. . 6,1(35 27 Freehold Loan and Savings Co.. 10>814 40 Union "■ '' 11,669 76 Farmers' " " 10,457 50 Dominon Bank (on call) 4,605 79 Interest receivable . 1,062 50 $100,155 34 I* 50 COMMERCIAL TRAVELLEKs' ASSOCIATION. Other Assets. Office Furniture $709 U St. John Agency 100 00 809 11 T. ,- . , T. ,M. . $100,964 45 BiStimated Liabihtiea 454 45 ' — ^100,510 00 ROBERT H. GRAY, Treasurer, ^ THE SICK BENEFIT FUND. Receipts. Cash Received (Subscriptions). .. |478 00 Interest on Current Account 6 25 Disbursements. Paid Sick Benefits $355 oo Printing.. 8 50 iialance m Central Bank 120 75 $484 25 JAMES SARGANT, Secretary. AUDITORS'S REPORT. Toronto, December 15th, 1885. To the President, Directors, and- Members of the Commercial Iravellers' Association of Gatmda. Gentlemen : We have the honor to report that we hav^, month by month, carefully examined the books, accounts, and vouchers of the Association, as kept by the Secretary for the year 1885, and found them correct. W^have also compared the Treasurer's Cash Book and the Bank Pass Book with that of the Secretary, and found them agreeing m every particular. D 00 '■r. COMMERCIAL TRAVELLERS' ASSOCtATION. 51 We further report that we have investigated from time to time, the Books, Accounts, and vouchers of the Sick Benefit Fund and found them correct. We have pleasure in reporting that the books of the Association have been carefully and satisfactorily kept, and that every facility has been offered us by the Trea- surer and Secretary in the proper discharge of our duties. We have the honor to be, gentlemen. Your obedient servants, JAS. E. DAY, WM. ANDERSON .! Auditors. m i'l }5 FOURTEENTH ANNUAL REPORT. OF THE BOAED OF DIRECTORS. 1886. ^ by kDd for Tid nd Gentlemen, Your Directors have much pleasure in being able to lay before the members a Statement showing a very profitable year's business. The surplus amounts to $119,368.97, the net gain being $19,889.52. The membership number 2,516, being 227 more than last year. The following is an abstract of the transactions as shown by the books of the Association: Receipts Ordinary Certificates, 1886.... $24,790 00 Honorary Certificates, 1886.. . . 370 00 Duplicates 64 00 Interest $25,224 00 5,524 07 $30,748 07 62 COMMERCIAL TRAVELLERS' ASSOCIATION. Disbursements. - . Advertising 58 50 Commission 321 50 General expenses ' 723 06 ^nnting 338 65 Papers 77 70 I^ent .'.' 324 41 galary 1^475 oo Special Expense 810 20 Accident Bonuses 1,889 63 Mortuary Benefits. 4,840 00 Balance, being Profit 19,889 52 130,748 07 Under the provisions of By-Law 67, the Directors laid aside $13,978.40 at the beginning of the year as the An- nual Benefit Allotment; and 'fixed the Maximum Mor- tuary Benefit at $1,100. The following shows the disposition of the allotment : Beneficiary of W. McGinness $1,100 00 D. Holmes 990 00 A. Freeland 990 00 N. Kingsland 880 00 T. Joslin 440 00 R. J. Hunter 330 00 J. M. Shannon.... 110 00 $4,840 00 Balance carried to Permanent Reserve Fund 9^138 00 $13,978 40 The payments for the year in connection with Accident Bonuses have amounted to $1,889.63. T. L Gurnett $1,000 00 Minor claims 889 63 * .889 63 COMMBECIAL TRAVELLERS* ASSOCIATIOK. 53 notice oi the exact *«'™* °'J' ^...j ^v vour Directors, member, have been carefully prep^re^^^^^^^ *TThU change will enable old members torejoin at any time I'rSe year by fining out Fof Ujereby avo d- i-r^d^^erxx^^^^^^^^^^^^^ '"T*TW^'lJmendment enables persons qualified as Honor- ary MeXro- join at.any ^^: ^^l^lt^JZl'^^^^ off as at P--nt being inel,gble ««X\>een found have elapsed. T*'''' *7^ ""."'"ived of all benefits of many rear^ft;K:mbet^^^^^^^ who, through inad- hn^^s^pgrnlCtS^ta^Sarytarcl^^^ '^'stTThL^thafges should be oonsidered together as tl^Uge upon repealing P-- „„Y f J^, JLt an^'d shouia De ^'^l^^-F--— ^^ -f;:,;- 72 to the accident by- while laws, me ^"1^-^::^ /^^^^ nhnncre 7 covers this groupa, i: ^irtCddSr "^ tK Jtna iXr ^' dausi i 111 54 COMMERCIAL TRAVELLERS' ASSOCIATION. There may be some objection to this clause for patriotic reasons, but it must be remembered that in the event of war or invasion, the Association would be liable under its mortuary by-laws. 6. This is the most important change proposed for your consideration, and will, if adopted, mark an entirely new era m the history of the Association. The policy of the Association has always been a progressive one. The Di- rectors have constantly had in view the necessity of ac- quiring an ample reserve fund, in the belief that such a fund was of primary importance in ensuring the stability of Its work. In J 879, with a surplus of only |10,000, the business of Accident Insurance was undertaken, resultincr m adding largely to our financial strength. In 1882, the present plan of Life Insurance was established, proving so attractive in its character, that Commercial Travellers generally were drawn to our ranks, until to-day we have the handsome surplus of about $120,000. The Associa- tion has by its enterprise and diligence acquired this fine property, and your Directors regard this juncture as a tavorable time to conserve its resources by surrounding the mortuary benefits with additional safeguards. The moment is favorable for conservative action, because, at no period has the Association been so prosperous, the de£-th-rate being at the lowest point touched for years and the Permanent Reserve larger than ever before. The present principle of insurance has served its purpose ad- mirably ; but your Directors consider that the time has arrived when new members should be admitted only upon the equitable basis laid down in the proposal age scale. Ihe proposed change is an indication of strength ; of con- fidence in the impregnable position of the As3ociation. In the future we shall rest our claims for the support of Commercial Travellers upon the solid grounds of our large, interest-earning reserve, upon the undoubted secur- ity we offer, upon the absolute certainty that our engage- ments will be fulfilled, and upon our equitable plan of making the amount of insurance proportionate to the ^ro= bable amount payable to our Treasury. Your Directors confidently believe that this change will result most ad- COMMEBCIAl IKAVELLBRS.' ASSOCIATION. , 56 vantageously to the ^T;^:^^ .^'ItZXTZ^^ character WondP«™^''«°Xe Annual Meeting as well recommend its adoption oy "" . at that of the other changes P^oP°«^^j^^ igST has been The maximum Mortuary BenentiOT .^^^_ placed at |l,200. In ascertaimng '^^^^^\Xh^, Esq.. Lrs have acted ""-i^J^^Crth American Me Assurance Managing D««tml'X„X" '''^ """"^^^ '^' »7s'sirc:Tn''5re& the contemplated amend- %tr*relattonr wTth the Railway Companies continue most cordial. .,, ^ ^^^ at the Pavilion. The Annual Conversazione wiim ^^^^^^,, 3O. Horticultural C^f ^«^«',^,?J\\eJew th are in the hands The arrangements ^^^^^^^^^^^^^ Commercial Tra- Tthoroughly enjoyable evening. x:r T^TATlSr JAMES SARGAOT, H. BLiAiiN, Secretary. President. Toronto, December 18th, 1886. TREASURER'S STATEMENT, 1886. ^ Cash'Assets. 152,022 15 Government T^«P«»^ ;;;:;• I ' ••"'.;;; '. 10,000 00 Imperial Loan Co. Debentures ^ ^^^^^ ^^^ Freehold " ,, 15,000 00 Western Canada ^^ '. 10,000 00 People's Loan Co. 10,976 14 Farmers' " I>ePff ^* 1 ,352 36 People's " ^, ; 2,225 96 Dominion Bank ^ , ^„: ;_.. ";.;'.. 2,250 00 T..4.^««a+ ar-prned on Debentures ^ $119,726 61 56 commercial travellers* association. Other Assets. Office Furniture |872 85 St. John Agency 269 51 $1,142 36 1120,868 97 Estimated Liabilities 1,500 00 Total Assets over Liabilities $119,368 97 ROBT. H. GRAY, Treasurer. THE SICK BENEFIT FUND, 1886. Receipts. To Balance carried forward. $120 75 Cash received (subscriptions) 696 00 $816 75 Disbursements. Paid Sick Benefit claims $755 50 Balance 61 25 $81675 JAMES SARGANT, Secretary. * — — AUDITOR'S REPORT. Toronto, December, 1886. To the President, Directors and Members of the Gom.merciat Travellers' Association of Canada. Gentlemen, We have the honor to report that every month Tve havo carefully examined the books, accounts and vouchers, of your Association for the year 1886, as kent by the Secre- tary, including those used for the Sick Benefit Fund, and found them correct. I COMMEROI.t «^VEL.KR«' A«S0CUTIOK. 67 We have much pleasure *^/^*;"'° ^^^f^Uy and satisfac- We have the honor to be, Gentlemen, Setvants, ^^ ANDERSON, ) jinUtom. JAS. E. DAV, ) FIFTEENTH ANNUAL EEPORT OF THE BOARD OF DIRECTORS 1887 I i In the face of the fact *«»* ^un^ t ^^ ^v^^ history of cloBed the >n.^'t''l^*y,'jr. consequent payments under the the Assooiatiofl, and tl^® =o"?,^'l"*^ter than any previous mortuary by-lays ^e^^Xi^iSHo carry |15,624.55 to year, the Directors have been wn o|^ .^ exceeded Permanent R«»'"v\~™eiy 1886, when the morta- only by that of one year, "^'^f^^' j..eption of that year is ity was very light, ^^-^J'^M^^toclpHal. The Directors the largest sum beretofore added to «^^^^^ ^^^^ ^^^ ,^„ara it as a matter ol oongrAv ^^^^^ 'crifs upon the resources oi ^n« .-.^..v.,.-- 68 COMMERCIAL TRAVELLBRa' A8SO0IVEION. promptly provided for without affecting the progressive character of the Permanent Reserve Fund The surplus now amounts to $135,591.37. The membership shows an increase of 199, the total number now being 2,715. The following is an abstract of the Receipts and Disbursements for the financial year ending November 30th, 1887. Receipts. 2,609 Ordinary Certificates $20,690 00 46 Honorary •* 460 00 44 Duplicate « 88 00 27,238 00 Interest 5,600 84 $32,838 84 Disbursements. Advertising , $4 50 Commission '.■ 344 00 General Expense 771 29 Special Expense 1,416 00 Printing 243 75 Stationery 236 33 Papers and Periodicals 72 20 Rent 441 72 Salary 1,500 00 Accident Bonuses 700 50 Mortuary Benefits 11,484 00 Balance _ 15,624 55 $32,838 84 Under the provisions of By-law 67, the Annual Benefit Allotment was ascertained at the beginning of the year as being $16,119,46, and the maximum Mortuary Benefit fixed at $1,200. The following shows the payments under the allotment : Beneficiary of John Carron , . $1 10 00 " Robert Street 220 00 *' . George May 990 00 ve us an he its 84 it kS it I OOMMEROIA., TKAVELLEB8' AS«OClAiloN. 69 BoneficUry oE Cieor«e KUUon . . . . • 8*0 ^ E. D. Warden 9b0 00 Beverly Heath 480 00 William Noma 1,200 00 T. W. Copner 960 00 John- Fowler 240 00 , " Jas. Wallace |* "0 T.L. Burnet 480 OO Thos. Brown HxX , « - .. JohnA. Orr ^'JZZ A.L. Wilcox 000 00 ". F.B.Scovell ^^^u,484.00 4. tr.r. fViA vt^ar uncteu the accident bonus The P^y''^^" ^f''' *^yTeiTfor ™i»<>""J""^^ by-laws amount to *.700.0U,Deuig bv-laws to be Ve »r ^'^T'\'„nual meZ g have been carefully submitted to *«. -iXrs rndare^ calculated to advance rretroUhrAriatl and to conserve its pr.v. '^^The " Baggage Compensation Fund "by -law i^ the re- suit of certain »«got^»''0"%"°7, ^"otiations wTu doubt- transportation <=»■??*»'«*; J^flealnuai meeting when less be completed by the date of *^ »^"Xr^„eudment8 all the facts will be submitted. JJ^^ „°f ^ \,,ociation. affect principally the executive ^°!*^ °' *„^„e^ent were The present by-laws bearmg "pon the mana^^^^^ ^^^ '7he"Srpon the EeUef or Charitable Fund have for Innately been few. The assistance ^«"«7^„ ^''^ftheir Directors have extended l-y means o^ by th" recipients- disposal has been warmly ^Plf^^^Jf ^oLr to the fund rn^'altevfatT^g distress. The Directors request me luu. 60 COMMERCIAL TRAVELLERt' ASSOCIATION. vidual members to continue to subscribe the small sum of one dollar each, which is required to enable them to be in a position to assist those who may be in need of a helping hand. The maximum Mortuary Benefit for 1888 has been placed at $1,200.00. The Directors are deeply indebted to Mr. Wm. McOabe, Manpging Director of the North American Life Assurance Co., not only for his profession- al services in examining the insurance resources of the Association, and determining the mortuary benefit pay- able, but also for the warm and active interest which he takes in furthering its general interests. J. C. BLACK, J>MES SARGANT, President, Secretary, TREASURER'S grATEMENT, 1887. Cash Assets — Government deposit | 63,873 36 Imperial Loan Co. Debentures.. 10,208,33 Freehold '' '' '' 15,062,50 Dominion Bank 20,934 84 Western Canada Loan Co. De- bentures 15,312 59 / People's Canada Loan Co. De- bentutes 10,208 33 Farmers' Canada Loan Co. De- bentures 10,041 66 $135,641 52 Other Assets — Bills Receivable $50 00 Furniture, etc 904 85 1136,596 37 Estimated Liabilities 1 ,005 00 Total Assets over Liabilities '. .$135,591 37 T>r»"uxr'Dm XT noAV rp^^,^^^.^^^ I . COMMERCIAL TBAVELLEKS' ASSOCIATION. 61 RELIEF FUND STATEMENT, 1887 Receipts— ^^-, ok To Balance Carried Forward ^ bl za Cash received (subscriptions) 4^^^^ ^^^ ^5 Disbursements— s 124 70 Paid Relief claims ^ ^^^ ^^ Balance $ 466 25 JAMES SARGANT. Secretary, i I AUDITORS' REPORT. Toronto, December 17th, 1887. To m PreMkrA arul Directors of ike CommcrM Tra^Urs ^^ Association : Gentlemen, j .u u i> We hereby certify that we ^^ ^aCT^r the mo'nl ^1 November last, aa ^e" J^a torj v secretary, and year 1887, as ^ept and presented by ^^^ ^^^^_ S'oHheTarSs of'Ihe Secretary and Treasurer ^TurT^Zrl be, gentlemen, your obedient servants. JAS. E. DAY,. \ Auditors. WM. ANDERSON, ) ill (JOMMBRCIA.L TRAVELLERS* ASSOCIATION. 63 i.> INDEX. p TAGE Act of Incorporation , 19-27 Accident Bonus on Alteration of By-laws 45 Annual Report— 1885-6-7 46-61 By-laws, Membership 30-31 Board of Directors oa Certificates of Membership . . , g Duties of Officers 35 Dealing with offer ders 44 Election of Officers 34 Forms of application 'jr_g General provisions, bonuses and benefits. , 42-43 Honorary members 32 Index no Meetings 31^ Mortuary benefits , 40-42 Officers and Directors 3_5 Preamble 28-29 Railway arrangements 16-18 Rules of order 3g Special notices 2 Steamboat arrangements 16-18 Subscriptions 33