y ^!V^< w \r 1^ ,-♦•" IMAGE EVALUATION TEST TARGET (MT-3) // {./ h m ijfit €i[S .« 1 1.1 11.25 1^128 12.5 Uj ^^ nil £! U& 112.0 )A. Ill 1.6 1^ ^ 1 »■'■ ^Sciences jCoTBpralion 23 WfST MAIN STRUT VraUTn,N.Y. 14510 (716) 973-4503 f> iV \ a>^ <^ ^$\^^ ^^^ «if.. # ) ^#1 CIHM Microfiche Series (IMonographs^ ICIMH Collection de microfiches (monographles) Canadian Institute for Historical Microreprod uctions / Institut Canadian de microreproductions h^toriqu« Technical and Biblioflraphic Notes / Notes techniques et bibliographiques '/ The Institute has attempted to obtain the best original copy available for^filming. Features of this copy which may be bibliographically unique, whidii may altar any of the images in the reproduction, or which may significantly change the usual method of filming, are Checked below. □ Coloured covers/ ' Couverture de couleur D Covers daiinaged/ Ceuveiiiire endommagte Covers restored and/or laminated/ Couverture restaurie et/ou pellicula □ Cover title Le titre de missing/ couverture manque Coloured maps/ Cartes gtographiques en couleur Coloured ink (i.e. other than blue or black)/ Encre de couleur (i.e. autre que bleue ou noire) I I Coloured plates and/or- illustrations/ n Plandies et/ou illustrations en couleur Bound with other material/ Relie avec d'autres documents □ Tight binding may cause shadows or distortion along interior margin/ La reliure serrie peut causer de I'ombre ou de la distorsion le long de la marge interieure □ Blank leaves added during restoration may appear within the text. Whenever possible, these have been omitted from filming/ II se peut que certaines pages blanches ajouties lors d'une restauration apparaissent dans le texta, mais, lorsque cela ixait possible, ces pages n'ont pas et^ f ilmtes. D Additional comments:/ Commentaires supplimentaires: jll9« L'Institut a microfilm^ le meilleur exemplaire qu'il / lui a Ati-pottible de se procurer. Ln details d (moaning "CON-' T1NUE0"). or tha symbol V (moaning "END"), whichavar appliaa. Mapa. plataa, charta. ate, i|«ayba filmad at diffarant raduction ratioa. Thoaa too larga to ba ontiraly includad in ona axpoaura ara filmad boginning in tha uppar laft hand comar, laft to right and top to bottom, aa many framaa aa roquirad. Tha following diagrama lllustrata tha mathod: Las imagas suivantas tfnt «t« raproduitas avac la plus grand sein. compta tanu d9 la condition at da la nattat« da l'axamplaira film*, at an , conformity avac iaa conditiona du contrat da filmaga. Laa axamplairaa originaux dont la couvartura tn papiar aat ImprimAa sont filmte wt commandant par la pramiar plat at w tarminant soit par la darni4ra paga qui comporta una amprainta d'imprasslon ou d'illustration. soit pdr la sacond plat, aalon la caa. Tous las autras axampisiras originaux sont filmAs an comrhan9ant par la pramiAra paga qui comporta una amprainta dimpraasion ou d'illuatration at •n tarminant par la darnlAra paga qui comporta unm taila ') amprainta. Un daa symbolas suivants apparaitra sur la darnlAra imaga da chaquis microficha. salon la cas: la symbols — ^ signifie "A SU1VRE". la >' symbols V aignifia "FIN". Laa cartas, pipnchas. tablaaux. ate. pauvant *tra filmte Maa taux da rMuctiqn diff Grants. Loraqua la documant aat trop grand pour Atra raproduft an un saul clich«. il ast film* k partir . da I'angia sup*riaur gaucha. da gaucha i droite. • at da haut an bas, an pranant la nombra d'inlhgaa nicaaaaira. Las diagrammas suivants illustrant la mithoda. 3 1 a 3 '4 6 ■* ,1 iiV */'' Loan and Sa ■^^iL'^.-i Of Ontario. .V ...,^ ■:> --^(^ \-.{^ ■'."^^w-* Incorporatted under Chap. 169, R.$.Q.'^887;^^^ Hon. JOHN DRYDEN. DIRECTORS : >. v ~*ri • .^j^. JR ?"!. i'llJ ... -w^.., ^.^.^^x^..,, ........ PaMtD^^^Mf^ Minister of Agriculture, Pmv4«D»(^ QiifitailC)^^ JAMBS GUNN, Esq.. -"fir | Fij ijyJgiV '' jf^ Director and Supt. Tonmlow^ DAVID KEMP, Esq., ^^ ^ ^ ^*^^^?i^ Sec. Treas. Synod of the Diocese of Toi *" Rbv. G. I. TAYLOR, M,A., 3^®^;*^' Rector St. Bartholomew's, Torboto; R. TBLFER SHIELL, Esq., B.A., M.B., ^ ITSCiwitoiifi^.TOTp^i^V m , ALFRED MACDOU6ALL. ^^mi^^'^%^% -V^'''- Solicitor to the Treasury, PS^V^e^i^jb^H^ fUuiager: ■': '■■.-■''■'^^jl J. BLAOKLOOK. 1 ^ iti^l ■ . -^h, . Secretary: . , ^ .. . , . F. -HOWAllD KIBJS^^^J^ ;*' Solicitors: -^ ^ MB88B8. MACDOUGALt|^,*gWj||^^ ^ Aiulitor: ' ."'I^^S^^^i^-''^^'^ W..H. CROSS, Kaq^^§^^0^^. HBADOFI 33 >VeIlirtgtoii TORONTO luHsof ive Savings. •• "nie following s^stioa tttken from ^, Report of the Wfn. CUfemdl J)^WH|^ li|« t^; B. GoranitiMioasr ; of Ubor, fi0bM0ia fliMiifpilve«^«tt «a|liMt*tlve dMitol of the «lii^mttit« w> freely aoadft that **BtiUA. itg Sodetiee^«^p«|t«ii» ilravdad^ imjfomOKim, kalefttarelioiilil \. - - -■ m,m Female •♦ ' - ~ . . 807,828 Total ehareholdtn • . 1,74^136 Sharduldwrs who liorraw - ^ • 456^411 Total #ili«n4pK>flti - - f|liQ^ffl7,6M.OO Homee^aeqnired by membMS - 814,786 1%e SUittaiMo liMUt Mid Satiasv CNh&inuij ol Ofl^rio 1« co-openittt«^ - Ita ot^«vt« are : :■ ss^ 1. To fnniiihA'lwufa and toovItabe.8 Inveitineiit hstMkyisjttfp, , ^^ .., ■ . ■ - ? ,. JL To afcomniate a land to kNui to membeiw at a reaaooable Met, repayable in email instalmente, and to operatf ae a mediam b^tiireen btHTowen and leodiue^ foA^ their matoal csohyenfento and profit. 8. To ciioottragn thrift»a|id to aaiiiit membws in > bttOdi^fb* ftwdiiasing, or inbproTing homee, and in dlearfaqf off eztsting eneumbnowee. iOanTAL Stook Tbio capital etoiolc of tiie Company la divided into eharea pf Qne hundred d<^bu« fMteh, a* ifoUowa : t^STAUMNT SribOK ^ ■ Mt YKAH WA-mWTYjBimitn Thepaytneat on tti^ steelt II Mty-Sre oenta per share, per month I the firat maymrat8^ oeaaein ll4 modthat % IMIA, bcMiiiBflr 4 per ccrnt.. om dAte, nod tliftriilff in in^Qta of the Com- tbd terminiitioii of tl^ii MCdnd ,flii^ yenr ^te ot iMue. In(n«|fc and prcdttii iMiyiild!^ K . .-V, : tXlO OIVIPWIO a HAIWMi ^ . , noftkrr^uny paid. beariniT Ox per ceiit. DHD date of iJHrae, payiritde half yMurly. iliNdc--9e(M)0 paid 1^1)^ .oVAjuLmnittb' io ifcllifdndof eight yeaiir froiii date of imue, bnvertible into stock ii i »"0.'"T)''aiid '•■»" Inasoniol) (•tai*o(fllMM»"A*«id '*B*ialfaiiitt«t iBamooBt. •wsnr. wdl only 1m enrdasd to wMra^llngMt lAaM Eobad. ^ ^^ ■ /" TiiANvrt^brSMAiiiii ' . «ymento< Que Dollar anii^edged stock in Ing may he tran8f«rr«Hl at any time. SOUOTtONO'' IWTAUMENT ShAHU- wtirtt mcmthly paytmnnta shiidl have been ky meml^ert tho ntti|ib6r of sbiires held hy I reduced, aodall paymstfts iiiade thertwh ^Uedupon tlie redidSMl'eiiftiiJtci^; AfUr^ >f Jrty cent* ipw Uiarf wiH be elM|»gBd. ' l^^iiPAWAb 'or iliirMMW^ ^h^H^ monthly iMyntettto duUl have ; ]^n«talmwit Stock may be wittidrawn;^ t Uire6 matitiif #ritt«(i'no(je^ atiiny time. m:*lthln jiva, ye i jit a f ti» jte ttjAjIplfetfct^ I recilve the.,«iMira Wiihiit paid, wiVh* ^ If #HM^P 4ft^ iW 4^ before \ six par cent pat mnion^ri^ ibe added, M>v«i jrean^ w^veA par c^t per annum, ded fllNr tite av«higa tliue Inveiited, ooro< » date of tiM written no(^. ill 4lll*n|* Mfinben pitying montldy doM in aAWmce ahaU M^eatitlcid ikt their oiMlon,'(l) To like extension In time of any foiure paymentor or. (9 Tb a discount thereon «tt suchriatea t* the Board may fix from time to time. '-',*> . - ■ - ' $uapeN«ON tir pROfrrrt mrriiAO or Fikes Boldcov of unpledged instalihent MoCk^ who may, from any cansiE^ be unable to make regulJar paymente, may obtain a iAup«Qglon OOrtUMM* for a reason- . aide period, during which time no dues will be pajrable and loo pro&te credited. This provision is Intended ehiefff for rdief in caae cit wIMnitm, lOM ^|MPiqB*mliifo»ea(^f«)»hot#(n»iad. ^ 144 Monthly FRyment^^ Dues . ... 4&. Interest; *■./» .■, -i^'" Premium . , . ^s,.. In all 91.15 pr month fdr each $100 borrowed. 180 Monthly Payomit*- .*;.l,;„.Duee ^J - ;-•■ . .^?^:■ Interest'- ».■. - Premhim In all $1.00 per month for each $100l borrowed, y-^ ' Bhareholdere may borrow the eatln V»lll« «f » ]lOlll««tead or other piece of property by Jolninff the Company a few years in advance bf intended pur- chaae, thus accumulating a fund which wUl take the place of the margin tUways required, and mateHally reduce the cost of the loan. KzAMPLK.— Showlng.coet of loan of $1000 on 10 year plan after 3 years' m'enabership: ^ flO insialme:ntspa!d.^ach $ 5.60 84 "to be paid" 13.00 $198.00 1002.00 Total cost spread over 10 years $1200.00 ' Mprfc-Thewineprlnolptowmild apply to smoUerpayiMBts for a longer tann. V ^ - Redemption OP Loans - :., loans n^ay be 1«pald at ikiiy time after two yean, npon thirty days' notice, the borrower being simply required to repay amount of loan, le^ withdrawal value of stock, or he may repay full amount of loan Mid continue his instalments as^^an investor until matarity^of his stock. :, Jp^ ■-'.''. Death, Of a UtAMM0.^i^0$%^§ In case of the death of a holder of instaitnent stock his legal representatives may withdraw the stock at anyi^meb^ giving njiirty days' notice; or they may continue payments thereoq until matnrityi. „. » XjWtl iNiURANCC (QPTIONAa ;" ;^ Members may obtain a short term Insurance Policy in an approved company at low rates, to pro. tect their estate in event of death before maturity of stock, securing for||^tor8 payment of their shares, and for borrowers a discharge of their loan, - Security . The Rbuanok L(^n ft Savings Ooriipan^^lur^ nishes the safest forin -^ in vestment and the strongest pos^Wesecurity. eve rywJi qf tt iHtlbavlngtiwm^^ to protect the interests of shareholders. The funds of the Company are loaned only upon its shares with real estate security; or upon its shares without other •ecurityj rcfjpajhiHe hy instalinents. so that not only the Interest but part of the principia is received EAS1 >rrowod. • ^ IT by joining' itended pur- rill taketiM I BMteHaliy tlOUO on 10 1002.00 ?i- ,'■»».'*■* j^-' » * orrowed. 1200.00 kUer p*]nnMita rfcwoyeftiiB, )iag simply witlidrawai tint of loan, 'estor uoUl Instaltneni 'hdraw the 'notice; or I matutitgrt . Insumnce tea, to pro* Daturity of lelraharM^ e strongest enialuptod M fund* of lures with hout oUier it not only B received ,:> ■f-; T\ ■jTw-- monthly. Mtd'tl^ vnlu^ the loan is bei^g ipiiici;^- Attention Udrawn to the fact ttipiai mon^ paid Into the Loan Fund is handled by a trust Oo^ra- tion, and can only be^ #ftlidrawn by depositing witib ■lUJh Trustees proper securities in its pl|u»; sci that either the actual money, or security representing the money, Is at all Unies in the possession of tiieTm*- tees, thereby preserylng |hj»-G^(||pMy'ff. ft,,,,|,,ln. absolute security. ,. '\e-^^^^r^^' [ '^' - ■ .,,;>:^W-'^jiWORO TO THeWlUl^Sv ..'I "^ . •■■■^ The Obmpany most worthy of confidence s not one which MtiniAtM the grAitest profits, nor one which professes to lend hkmi^ at abnormal ^tes. Our calculaUo^ are based on ,el^taMished usage In ihe Dominion of Oahada. and having hem subjected to the strictest scrutiny their accuracy, can be demon- strated at any Ume. We are awaro that other com- panies Mtfinatw larger gains, but we ai« sostafned by the knowledge that MtllluitM have no intrinsic value or proflt-eurriing power. If In any respect we have erred in requiring a lai^r payment or Jlonger poried to mature stock than other companies, jadl- cious investors will apprecG^ M^^ainty as dppolM to mere *"♦•"•-*— .v- * ~it't"'««»« i»^-f^ RSUANCE SYStEM OF AHMUITy REPAYMCNTJa o6i>niKWT «c. per month mm per year), paid for 10 years will thereafter return to the investor, fiaoo per year for the succeeding 10 years. Popular Features^: '-:'■ --■!'-■:,, No Admiission Fee; ' ►--,,- No Fines; 1* No Forfeitures; ; ,r ' No WithdrawatPfee^ Vfe- ^ Definite Contract ; " ■ "Si^^^ EasyLoan Paymi^nlif^ " ' Low Cost to Borrowers; Relief from Payment daring Sickness or Loss of •^ ■. • .Employment ;;^r3Kii^-^:. ^ .^v^--rVf:: ■ 1*lr6vides Endowments for Cfiildren r^^ -'C - Enables Members to make Provision for Old Age^ . ".u*"- Reasonable Profits tbliiwstoM : HOMES purchased with little more than usual .Ftental; .,- ■,,^., „._■ ■..^y.»^.: -, *■;, WAY bf. clearing oiff Debts; r4*fif ^, J^ -. • • fc'" 1 • ■ • - • « • - t /\ • t* * •*-'' \ 1 ■ ■ ■ - ~* ■ f 1 ■ ■r • 1 \ 1 1 \ « 1 ■ ''^^l^^^^^l p r f \ ■ f ^ « 1 . ■J i w r * • . ' D. 1 ' « - \ \ \ \ i f ' I » • 9 S \ • f r -A J^— ■ .■'■•*■ ' k * "■ ■ — --■ , iTZ ^ ; ^ - -/ ,..x ..^