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 STJI=:FXjE3M:EI<rT 
 
 TO 
 
 MISS HOLT'S 
 
 'AUTOBIOGRAPHICAL SKETCH." 
 
 Quebec, June, 1875. 
 
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SUPPLEMENT 
 
 TO 
 
 3VEISS HIOXjT'S 
 
 "Autobiographical Sketch." 
 
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 As Mr. E , the gentleman to whom I entrusted my 
 
 ; funds during my absence from this city, has given to his 
 friends, when questioned on the subject, a, statement 
 wiiolly at variance with the truth in regard to his manage- 
 ment of them, and, as will be seen from the following cor- 
 respondence, he is unwilling to accept the offer (and I 
 know not how I could make a fairer one,) which I have re- 
 peatedly made him of a settlement by arbitration, I am 
 most reluctantly compelled, in justice to myself and the 
 friends who have given me their sympathy, to bring for- 
 ward the proofs of my own veracity in the matter. 
 
 Mr. E has been aware for many months past that 
 
 this course would be my alternative, but he has turned a 
 deaf ear to all the remonstrances of his friends, saying he 
 ''does not care." I have not the slightest desire to injure 
 this gentleman, — much of the bitterness of ray disappoint- 
 ment has paased away j but either he or i have grossly 
 misrepresented the case, and it is not my intention to rest 
 any longer under an imputation which I think the perusal 
 of the annexed documents will remove from the mind of 
 every candid reader: — 
 
— 2 — 
 
 LETTER No. ]. 
 No. 1, Grande Allee, Quebec, March 22 !o75. 
 
 To Mr. E , 
 
 Quebec, 
 
 Sir, 
 
 I hereby propose to you that the points in dispute 
 between us shall be settled by the arbitration of Mrs. 
 S , or of 'Mr. M , as you may elect. 
 
 Mrs. S has most kindly expressed her willingness to 
 
 join in such an arrangement. You have been intimate in 
 her house since childhood, while my acquaintance with 
 her is but of recent date. Nevertheless, I unhesitatingly 
 pledge myself to accept her decision, knowing that it will 
 be that of an upright, honorable and intelligent lady. 
 Should you, however, prefer the arbitration of a man of 
 business, I know of no one on whom both parties may with 
 more confidence rely for impartial judgment than the 
 gentleman I have named, and I bind myself equally to 
 respect it. lie is out of town at present, but his unvary- 
 ing kindness leaves me no room to doubt his acquiescence 
 in my 2^i'oposal. 
 
 You have stated to ,vour friends generally, that you are 
 guiltless of all blame in the management of my ati'airs, 
 having invested my funds to the best of your ability, and 
 with a sole view to my interests. 
 
 I maintain and will undertake to prove, that you were 
 guilty of a gross breach of trust ; that you approjiriated my 
 funds to your own speculations and for your establishment 
 in business ; that you availed yourself of the power of 
 attornej'^ which I gave you to make me responsible to your 
 creditors ; and lastly, that, keeping me in ignorance of 
 your loss of my money, you allowed me to continue 
 remitting to you from Peru. 
 
 I am willing to meet you in the presence of either 
 arbitrator, or to proceed or follow you, as you may choose. 
 
 Begging the favor of a reply at your earliest convenience. 
 
 I have the hoi^r to be, sir, 
 
 Your most obedient servant, 
 
 , C.E. H. 
 
 This brought the following communication. Some of 
 my friends term it "Jesuitical," others "insolent,'" but 
 none I think, will call it a reply. 
 
o 
 
 My Dear C. 
 
 LE'JTER No. 2. 
 
 Quebec, 24th March, 1875. 
 
 Notwithstanding the formal manner in which 
 you address me in your note of the 22nd inst., my present 
 feelings do not prompt me to address yon otherwise than 
 as above. Your hostile action and remarks, since we last 
 met on friendly terms have hitherto precluded me from 
 making any advances towards a reconciliation. I hope 
 this commencement may lead to the desired end, viz: 
 peace and good will towards each other; but. 1 must say, 
 considering the views expressed l)y you in your note, T am 
 of opinion that the proposed meeting, at this stage, would 
 not lead to any satisfactory result. You still maintain 
 your version of the case which 1 dis})ute and the same 
 statements and arguments on each side which have already 
 been gone over on several occasions, would be recaiutula- 
 ted without any practical benefit, f may state now that 
 my feelings towards you are of extreme sympathy* for your 
 unfortunate position, and were I able to aiiord you support 
 pecuniarily, I would unhesitatingly do so — iri'espective of 
 a'ly rightful or legal chiim you iniglit have ujton me. As 
 to the futiu'e I can i)romi.-e nothing, Imt should lortune 
 favor me you will not be forgotten 
 
 J shall be glad to hear furthcu" from you, in the meantime, 
 
 I am your atiectionate 
 
 E. 
 
 LETTER No. 3. 
 
 Xo. 1 Grande .Ulee, 
 Quebec, March 2">th, 1875. 
 
 Sir. 
 
 I have the honor to acknowledge the receipt of your 
 favor of yesterday's date. 
 
 Though yom- style is remarkably discursive, you have 
 failed to make any reference to the only subject which f 
 proposed for your consideration in my note of tlie 22nd 
 inst. 1 Can only concluae that you decline a settlernent 
 i)y arbitration, even of friends whom you have known from 
 boyhood. The inference is plain. 
 
 Your statements and mine being diametrically opposed 
 to each other, it becomes necessary for nie to establish my 
 veracity, and this I purpose d.oing by the evidence of your 
 own letters and your own testimony under oath. Once 
 
 ♦It wnB, fl(,ul tk'BB, this profMirid sympiithy which itiduced Mr I'/, to 
 8UR«cst,in coiiverBatioii with aiidtlipr iimty, ,a J'«w weti<B lutcr, th:U I fihm'.d 
 be"lockedui)l"-C. !■;. a. 
 
more then, T renew to you the otter contauiecl in my note 
 of the 22nd inst. 
 
 You strangely mistake our relative positions. I am no 
 suppliant for your charity. I simply demand restitution 
 of the property, which in full reliance on your honor, in 
 tegrity and ability, I conlided to your care; and no honest 
 man would ever dream of taking refuge under the Bank- 
 rupt Act from such claims as mine. 
 
 When I remember that on the evening of the 25th of 
 July, 1873, — after paralysing me by the announcement of 
 your loss of a thousand dollars of my funds in your bank 
 speculations two years previously, — you turned within live 
 minutes to your customary game of Bezique, while I sat by 
 in mute despair; and that you left early the next morning 
 on a three day's fishing excursion, — you must pardon me if [ 
 am somewhat skeptical on the subject of your " extreme 
 sympathy in my unfortunate position" — a position for 
 which you alone are answerable. The wrong you have 
 done me, and the sufiering you have caused me, can never 
 be fully atoned for; but when you are prepared to 
 acknowledge your error, and make all the reparation in 
 your power, I shall be happy to receive you, till then 
 
 I remain your obedient servant, 
 
 C. E. H. 
 No answer was ever returned. More than two months 
 have since elapsed, and I proceed to vindicate my state- 
 ment. I may here mention that Mr. E stated to Mrs. 
 
 S and has doubtless to many others, that it was at my 
 
 suggestion that he took charge of my funds. In reply. 
 I request a perusal of following letter which I received 
 in Havana, about a week after date. 
 
 J.ETTER No. 4. 
 
 Union Bank of Lower Canada. 
 
 Quebec, 19th April, 1866. 
 My Dear C. 
 
 j([. — has just read to me part of a letter r«5ceived 
 from you vvith reference to your proposed investment of 
 funds, and as we all feel anxious that you should not run 
 any risk cf losing any part of the money you have so hard- 
 ly earned, I have determined to write you at once and try 
 if I cannot induce you to alter your plans and invest your 
 funds here where you have friends to look after it, instead 
 of putting it in the hands of total strangers. The high rate 
 of interest which is otiered to you, is of itself suspicious, 
 but the fact of the stock being at a discount should shake 
 your confidence in its security entirely. Such depreciated 
 
stock is usually invested in by speculators who take 
 lulvantage of the continuiil rise and fall in value and are 
 as often losers as <rainers by the transaction. As a j)er- 
 manenf innefttment it is undoubtedly dangerous and I should 
 strongly advise you not to put faith in it. Un the other 
 ii.uid, if you are willing to take seven or eight per cent. 
 l)er annum, you could not do better than send your money 
 h(M'(' to be invested in "Union Bank" stock. It is now to 
 be bought at j>«r, but in six months heuce or perhaps 
 sooner, it will be at a premium of 3 or 4 per cent. We 
 will not commence active business till July, but I feel con- 
 .".dent thnt by the end of the year we will have a good 
 balance of prolit. This is the new Bank in which T have 
 lately got my appointment, but that is not the reacon why 1 
 recommend it to you. 1 lirmly believe that it will be one 
 ol' the most prosperous institutions here, and Quebecers 
 ': generally are of the same opinion— in fact they consider it 
 their duty to support it, being sort of a national affair. Now 
 I hope dear C. that 1 have said enough to convince you that 
 by this investment you will get the highest rate of interest 
 ■.consistent iviih security. This is a delicate subject for me to 
 .treat on, as you may suppose I have my own interest at 
 lieart, but you may rest assured that if you put the matter ■ 
 in my hnnds and give me a power of attorney to act for 
 you, I vnll do the best I can. So much for business, and 
 i hope you will interpret this in the kindest way possible. 
 
 Ever yours, 
 
 e: 
 
 It so happened — and I now look upon the circumstance 
 as Providential— that I answered this letter on the same 
 sheet of paper wiiich [addressed to Mr. E's moth-r^r. She 
 kindly prcberved all my letteis during my twenty years' 
 wanderings, and they h;ive been of great service to me in 
 the compilation of my '' Autobiographical Sketch." 
 
 LETTER No. 5. 
 
 64, Hotel del Prado, Havana. 
 
 May 10th, 1866. 
 
 Many, many thanks, dear E , for your kind letter 
 
 and friendly advice, which, believe me, I take jnst as you 
 fineant it, and thank you heartily for it. With regard to 
 What I have invested here, I refer you to my letter to 
 
 C , but you will be as glad as he to know that I have 
 
 yielded to your advice, and intend to sell out on receipt 
 
 of the July dividends. Then, dear E , if 1 can invest 
 
 in your new Bank, at eight per cent, I shall be most happy 
 
to do so, and certainly if it can benefit you in any way, it 
 would be an additional inducement. It need not be " a 
 
 delicate subject" for you to write about, dear E , for 
 
 no suspicion of the disinterestedness of your advice would 
 ever enter my head. I am not suspicious by nature, thank 
 Grod 1 much less should 1 be so of one of my own friends. 
 
 Ever yours affectionately, 
 
 C. 
 
 In a letter which I wrote to Mr E 's mother on the 8th 
 
 December in the same yea;, I also addressed the following 
 lines to him : — " Un what terms could I purchase your 
 
 Bank shares — must they be cash ? And do you and C 
 
 continue to think them a perfectly safe investment and 
 sure to pay eight per cent ?" 
 
 In a letter which I addressed to his mother, dated 
 '' Groton, August 16th, lcS69," there occurs the following 
 
 passage: — "! trust to hear to-day from E of the receipt 
 
 . of the cheque which I sent him last Monday for some 
 lit. -J, to be invested in Bank shares." 
 
 When I found, a few months later, that he had invested 
 my money with private individuals and not in Bank shares 
 as he proposed and I intended, it gave me no uneasiness 
 whatever, lie assured me that he had good security (he 
 mentioned that he held a mortgage on some iron as 
 security from a Mr. J ) and my faith in his judg- 
 ment and integrity was implicit. Had he tested it by 
 asking me to sign any paper blindfolded, I would have 
 unhesitatingly done so. I have no copies of my letters 
 to him, except those already given, but I have often 
 challenged him to produce the remainder. The same tone 
 of confiding affection and implicit trust would be found run- 
 ning through each, with, now and again, the expression ot 
 my reliance (unnecessary though I deemed it, in view of his 
 denunciation of all speculation) that he would ever make 
 security the Jirst consideration. I had already learned the 
 lesson, as my readers are aware, at the cost of several 
 thousands in the South. 
 Proceedmg to Peru m the fall of 1870, 1 recommenced 
 
 remitting to Mr. E ■ early in the following year, and 
 
 continued doing so until the termination of my career as 
 a teacher, with the exception of $1051 invested in a Life 
 Insurance Company in Lima. 
 
My Dear C. 
 
 LETTER Xo. C. 
 
 Quebec, November 27th, 1871. 
 
 You may notice that I hiwe erased the (1) lithographetl 
 lioading of this sheet — the rea>OD is that I no longer 
 belong to that institution, having quit the connection 
 
 about the middle of this month There are to be two 
 
 new Banks openetl here in the spring, of one of which I 
 have been promised the managershi[), but my present in- 
 tention is to go into business if I can get the partner- 
 ship that I expect I will not now, dear C , have the 
 
 same opportunities of turning it (2) over for you as I had 
 when in the Bank. I have realized so far an average rate 
 of ten per cent, after deducting the interest on amounts 
 paid out. (.')) I propose now to invest in a business (with 
 which I m^iy be connected myself) ior five yesirs and hear- 
 ing interest at eight per cent, per annum, to be specially 
 secured by the transfer to your name of certain barges, (4) 
 which will also be insured for your account. (5) 
 
 (1) Union Bank of Lower Canada. — C. E, 11. 
 
 (2) My money.— C. E. H. 
 
 (.■>) It will be shewn that at the date of this letter. She 
 writer had already lost a lai-ge amount of my funcis in 
 speculation — having bouglit 4lJ0 shares in the lioyal 
 Canadian Bank some months previously, — C. E. H. 
 
 (4) I ascertained on the 150th July, IS73, after my re- 
 turn to Quebec, that the security consisted in a mortgage 
 on a scow to the amount of two thousand, six hundred 
 dollars , and at the samu tinn- I was made awure th.it my 
 name had, by virtue of the power of attorney, been signed to 
 a document giving Mrs, H, H. W. (a creditor of Mr. E's) a 
 Claim on that mortgage to the extent of five hundred dollars 
 ( >n the 9th of August, 1873, I also saw in the office of an 
 elder brother of iMr. E. a document, the whole of which 
 was in the handwriting of tlie latter, and to which 
 my name was attarhed, stating that of the f(,ur thousand 
 three hundred dollars loaned to J. H. & Co., I declared 
 that " two thousand, one hundred dollais really belong to 
 ?ilrs. H. H. W." I made an extract from the paper then 
 and there.— C. E. If. 
 
 (.5) Having repeatedly during the lirst week in August, 
 
 ]S73, asked Mr. E for the Insurance Policy, without 
 
 success, my kind friend, Mr. A. J. M instituted 
 
 enquiries and finally ascertained that the said scow had 
 been insured on the 7th May, 1873 in the Western 
 Assurance Co., to the amount of two thousand, nine 
 hundred dollars, oji account of Messrs. J. II. & Co., Agents. 
 Th(?re was no mention of my name whatever in the doc- 
 ument. Thanks to my friend's interference, an assignment 
 
— 8 — 
 
 I have explained the nature of the transaction to C 
 
 and he agrees with mo that it will be as safe and profitable 
 an investment as you can make, with my personal guarantee 
 which I am willing to give. The money you must bear in 
 mind is not to be used in the business to be subject to the 
 vmcertainty of trade, but is to be specially secured as men- 
 tioned above, and as I will have control of the property for 
 you, I have no hesitation in recommending it. (6) It is im- 
 possible to make a. permanent investment now at a better 
 rate than eight per cent. iLiitk good securitg. I intend to 
 
 invest H 's money in the same way, if she is agreeable 
 
 — in fact, it will require your's and hers together to enable 
 me to make the investment, as I doubt it I can arrange 
 
 for a smaller amount. I do not intend, dear C , to run 
 
 any risk (beyonrl what there is in all human affairs) with 
 your money. If it were to be used in business altogether 
 on personal security it would be worth more, but then you 
 might lose the principal, and I think it has been earned 
 too dearly to be trifled with. Please let me know by 
 return mail if you consent to this, as if it is to be done at 
 all, it must be done quickly. I am sorry that you lose so 
 much on your remittances to me (about 27^ per cent) but 
 I do not see any way in which you could remit more 
 profitably ; if you keep your money in Lima until you 
 return with it yourself, I think you would still lose the 
 same percentage when you withdraw it. 
 
 Your affectionate 
 
 E. 
 
 This letter reached me without delay, and an answer in' 
 the negative from both parties concerned, was returned by 
 the steamer which left on the following day, but the in- 
 vestment was evidently so exceptionally favorable in Mr. 
 E's opinion, that his devotion to our interests determined 
 
 of two thousand, five hundred dollars of the Insurance 
 Policy was made to me on the 6th of August, 1873. — C.E.Il. 
 
 (6) At the examination of the Insolvent, Mr. E , 
 
 under oath at the office of the Assignee early in the following 
 year, I put this question to him — viz : "Was it solely with a 
 view to mg interests that you entered into the arrangement 
 
 without awaiting my answer ?" Mr. E replied " 1 
 
 believe it was solely for your interests." I then asked 
 him " Did you believe it a better investment for me than 
 Bank stock or real estate ?" He answered " I thought it 
 was, considering it was for a term of yjars, and that ten 
 per «ent of the principal was to be rej)aid annually." 
 What amount of truth lies in these replies, 1 leave for 
 the decision of any man of busiuosa.— C.E.II. 
 
-._. — • 
 
 him not to wait for the reply for whicli he hid asked. At 
 the time, however I never doubted the reasons which lie gave 
 me in his next letter for the precipitancy with which he 
 had acted. My faith remained unshaken, and after making 
 the investment ah-eady alluded to in the Life Assurance 
 Co. in Lima, I recontinued my remittances to Quebec, 
 {where I had friends to look offer iiieinl) to tlio end of my 
 stay ir. Peru. (.S'ee Letter Ko. 4. ■ 
 
 Besides the Deed of Assignment dated Jan. 16th, 1873, 
 making me responsible to Mrs. H. H. W. for the sum of 
 Five Hundred Dollars, secured on my mortgage on the 
 Scow, I noticed on the Custom House Register of that 
 vessel (a document apparently of some importance, as it 
 was written on parchment) an entlor.sement niAiking over my 
 entire claim to Mrs. H. H. W. — not even limiting it to the 
 five hundred dollars ! When this was pointed out to Mr. E. 
 ho said it was " a mistake of no consequence." My good 
 friend, Mr. A. J. M. however, seemed to be of a different 
 opinion, and took immediate measures for the correction 
 of a "mistake" of six months' standing. It would be 
 v/earisome to enter into the details of the little fiction by 
 
 which Mr. E endeavored to account for the Five Hun- 
 
 di'ed oUar claim for which ho had tried to ni:ike me re- 
 sponsible to Mrs. H. H. W. That it was entirely spurious 
 is shewn by the fact that her attorney withdrew it, by a 
 deed of re-assignment dated June 9th, 1^74, a copy of which 
 is in my possession, as well as of all letters, papers and docu 
 ments alluded to in this supplement, witb the exception of 
 the Custom House Register, which belongs to the i)resent 
 owner of the Scow, and is, I presume, in his keeping. 1 
 shall he happy to submit all or any of these papers to the 
 inspection of any one so desiring it. 
 
 I will now add some of the questions which 1 had pre- 
 
 jiared in writing, and put to Mr. E personally at the 
 
 examination of the Insolvent, under oath, at the office oi' 
 tlie Assignee in the month of March, 1874 ; and the answers 
 which he gave to each. I took them down in writing at 
 tlie time, and the Assignee's clerk also registered several 
 of the questions and answers at my request : 
 
 Qncft. At what date did your partnership with Mr. J . 
 
 commence ? 
 
— 10 — 
 
 A71S. I think in April 1872 ; it is registered in the 
 Court House. 
 
 Qnes. What amount of capital did you put into the 
 business ? 
 
 Ans. I put no specified amount. 
 
 Ques. How much oi" it belonged to you personally ? 
 
 Ans. None. 
 
 Ques. What amount did Mr. J bring into the firm ? 
 
 Ans. Whatever his business was worth. 
 
 Ques Having written to ask my consent to the invest- 
 ment, why did you not await my reply? 
 
 Ans. I did not consider that it was essential to await 
 your consent, because 1 held a power of Attorney from 
 you to use your money as I thought best, and the nature 
 of the investment contemplated, rendered it necessary to 
 decide before receiving an answer. * 
 
 (Here follow the two questions and answers already re- 
 corded in the note referring to Letter No. 6: — 
 
 Ques. Why did you invest Mrs. H. H. W's money in yom* 
 firm in my name without asking my consent or her's ? 
 
 Ans. It was more convenient at that time to have the 
 money in one name, 
 
 Ques. Why, and by what right, did you sign my name to 
 a document, dated Dec. 23rd 1872, declaring that of the 
 $4300 loaned to J. H. & Co. " $2200 really belonged to Mrs. 
 H. H. W. ?" 
 
 Ans. I don't recollect any such document. 
 
 Ques. Did you not believe that when I gave you a Power 
 of Attorney on my departure for Peru in 1870, I did so 
 solely with a view to the security of my own interests? 
 
 Ans. Yes, and with a view to get as much interest for 
 your money as possible. 
 
 Ques. Did I not give you reason to believe that my faith 
 in your integrity and judgment was implicit ? 
 
 Ans. I think you did. 
 
 Ques. Shortly before my departure from Quebec in 1870, 
 did I not i^lace my sealed Will in your hands, telling you 
 to ''take care of it, as it concerned you more than anybody 
 elseV 
 
 Ans. I don't remember ; I think you did. 
 
— 11 — 
 
 Ques. When did your speculation in the Royaal Cnadian 
 Bank stock take place ? 
 
 Ans. I believe in 1871. 
 
 Ques. Did you not tell me on the 25th July, 1873 that 
 you had lost a thousand dollars of my money in that specu- 
 lation ? 
 
 Ans. I can't remember what I told you at that date. 
 
 Ques. Was the money you used in that speculation your' s 
 or mine ? 
 
 Ans. I kept your funds in my name at that time I 
 believe. 
 
 Ques. Did you speculate in my name or your's? 
 
 Ans. In my own name. 
 
 Ques. Did you not know that I gave you the Power of 
 Attorney to invest my money in my name and not in 
 yours ? 
 
 Ans. No, I don't think I did know it; the Power o^' 
 Attorney explains itself. 
 
 Ques. You wrote tome Nov. 27th 1871, '* 1 think your 
 money has been too dearly earned to trifle with" also " I 
 ilo not intend to run any risk (beyond what there is in all 
 liLiman affairs) with your money." How do you reconcile 
 tills assurance with your disi^osition of my funds ? 
 
 Ans. 1 was disappointed. 
 
 Ques. Why was I not informed of your loss of my money 
 at the time it occurred ? 
 
 Ans. I did not think it necessary to advise you then. 
 
 1 have stated my case. On which side truth and justice 
 lie, I leave to the decision of my readers. 
 
 C. E. II. 
 No. 1 Grande Alloc, Quebec. 
 
 Juno 15 th, 1875. 
 
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