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 Technical anrf Bibliograjphic Notes / Notes tcchniq^iMs ct btbliographiquM 
 
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 Laa eartaa. planchaa. tablaaux. ate. pauvant Atra 
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 6 
 

 MiaOCOPV RISOUITION TBT ChArT 
 
 (ANSI and ISO TEST CHART No. 2) 
 
 
 \ -/A 
 
 W: 
 
 ■^, /APPLIED IIVMGE Inc 
 
 -^ 1653 Eost Main Street '« 
 
 ^ Rochester. New York U609 USA 
 
 B (716)482 -0300 -Phone 
 
 S (716) 288 -5989- Fox ; 
 
 'J. 
 
 •k. 
 
L 
 
 I ■ 
 
 RULE S 
 
 AND ,.,>- 
 
 REGUL ATKINS 
 
 :■'■'/:■ 
 
 or THIS 
 
 SAINT LAWRENCE 
 
 PERMANENT BUILDIN8 SOGIEtY. / 
 
 
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 r BROCKVILLE. 
 
 PRINTED BY J.%'A^ULLEN( 
 
 . ■■■; ^ .' '", ^ ' •,< 
 
 ■:;/;■ 1858.' ' 
 
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 THE SAINT LAWRENCE PERMANENT 
 BUILDING SOCIETY, * 
 
 ESTABLISHED JUNE 1858, 
 
 tN ACCORDANCE WITH ACTS OF THE PXOVINCIAL 
 
 LEGISLATURE. 
 
 BOABB OF BIBECTORS: 
 
 ■JOHN CRAWFORD, Esq., PbbbiUint. 
 
 REUBEN f. OOLTON, Esq., 
 FRANCIS M. HOLMES, Ebq,, 
 JAMES L. SCHOFIELD, Esq., 
 JAMES BiLNCROFT, Esq., 
 
 MCOBD-.BUELL, Esq., 
 WM. FIT2SIMM0NS, Esq. 
 JOHN M'MULLE^^Ebq., 
 THOS. REYNqil^, M. D. 
 
 K 
 
 EXEcun coMMrrnSE: 
 
 The President, R. P. OOLTON, Esq.. the Vlc^ President, and 
 
 FRANCIS M. HOLMES, Esq., Manager of the 
 
 Bank of Montreal at Brockville. 
 
 BANKERS: ! 
 
 'THE BANK OF MONTREAL. 
 
 ' . ■ ■■ J ''■■•■'■ 
 
 Secretary and Treasurer: WILMAM REYNOLDS. 
 Solicitor: JOHN WNOLDS. 
 
 "■"S'X . ./ . 
 
 9&aXDr - STRBSS B&ooxirx&LB. 
 
 Termof Subscription of each class of members 6 years. A 
 iplass of members commencing with theSociety, and year- 
 ly thereafter. Monthly instalments, $1.25 per share. 
 Entrance fee 25 cents per share. 
 . . ;'..." — Share s $100 ea ch . — — — 
 
 /^ 
 
 <m - 
 
/ 
 
 / 
 
 I •- 
 
 iASt^if:^^:.^-.. 
 
,JI/» 
 
 ■f , 
 
 THE FOLLOWING ARE THE PRINCIPAL 
 
 OBJECTS OF THIS SOCIETY. 
 
 To raise, by monthly subscription from its mem- 
 bers a fund to assist them to purchase or build their 
 
 owndwelhng houses, or, to acquire other freehold or 
 leasehold properM^'' 
 
 To remove inSSbrancps^ on property already in 
 their possession or to improve the same. ' 
 
 To afford to persons not requiring advances, a 
 safe and profitable method of investing $mall su^s 
 ol money. 
 
 To enable persons of small means to provide for 
 their old age or to secure portions for their children. 
 1 he^ociety is established on permanent principles 
 No fines on withdrawing. No bidding for shares' 
 JNo bonus taken in advance from borrowers. 
 No monthly management fees. 
 
 TO INVESTING MEMBERSU^ 
 
 Aclassofsubscribers commences with the Society, 
 •and another will commence each year afterwards. 
 t.ach class continues a fixed period of five years, and 
 the value of each share wiU be realized in five years 
 positively at the teimination of the class to which it 
 belongs. Pers(Ws may enter ?wiy of (he classes of 
 
IJ 1 
 
 ■ « 
 
 the Society, upon the same terms as the fir^t one, and 
 have the privilege of withdrawal under the same 
 rules. 
 
 A member paying in advance, any ceitain num- 
 ber of months^ may remain in arrcar for a correspond- 
 ing period without incurring fines. 
 
 TO MEMBERS BORROWING. ^ \; 
 
 The Society will make advances to members for a 
 term of from one to five years, repayable by monthly 
 instalments as an equivalent for principal, interest, 
 and bonus, in small sums, and in the way most con- 
 venient to themselves, 
 
 PROPOSED RATES FOR LOANS. 
 
 A share of ^100 to be advanced without deduction 
 by w|ay of bonus, repayable in 
 
 1 year by 12 monthly instalments of ^9.00 each 
 
 2 years "24 ^" " 4.85 " 
 
 3 " «* 36 " " ^ 3.45 *^* 
 
 4 " "48 " " 2.75 « 
 
 5 " "^ " ^* 2.36 
 
 (C 
 
 The borrower will obtain his loan at a fixed rate, to 
 be seen at a glance at the time of contracting it. 
 
 The Society supplies a want which has long been 
 felt^— that of a good Savings Institution — and, will 
 be found adapted to the circumstances of almost 
 the whole community. 
 
 Many industrious persons neglect to lay pasta 
 portion of their earnings for the future, or hoard them 
 unprofitably, thereby lessening the amount of money 
 in circulation. w , " 
 
 A persohfdr each share subscribed in this Society, 
 
t one, and 
 tlie same 
 
 tain num- 
 orrespond- 
 
 
 pays first an ontrnnco fee of a quarter dollar, arid 
 thc,n a subscription of a dollar and a quarter per 
 month continuously for five years, at the end of 
 which period, ihe money invested with its accumu- 
 lated profits are paid back. * IP 
 
 • 
 
 The Society receiving monthly, mafly small sums, 
 is enabled to mvest the aggregate on mortgage se- 
 curity at the highest remunerative rates .of interest 
 and bonus, allowed to be taken by the acts of Parlia- 
 ment authorismg Building Societies. 
 
 A Subscriber may at any time after the first year ol 
 his subscription discontinue it on giving a month's 
 notice, and obtain the amount of subseriplions paid 
 into the Society, together with six per cent interest, 
 and such bonus besides as the Directors may de- 
 termine. 
 
 ■ «■ ■ ' ■ ■ ■ 
 
 The Society willalloAV interest for deposits jto 
 non-subscribers. 
 
 The business of the Society is managed by a 
 board of nine Directors elected annually by ballot. 
 
 The Directors appoint from among themsclveg a 
 President and Vice President, and, also, appoint tlio 
 Secretary and Treasurer, and tlie Solicitor. 
 
 The Treasurer has given sccnrity in a thousand 
 poundlfor the faithful performance of his duties. Ho 
 is bound to deposit all moneys received by him in 
 the Bank whenever they amount to ^100. iJe is 
 bound to keep regular books, and to have them at all 
 reasonable times ready for inspection of the Directors 
 or any shareholder, and to prepaM" and submit 
 annually a report showing clearly tlfe state of the af- 
 8 Society, | fairs of the Society. 
 
 ibers for a 
 y monthly 
 1, interest, 
 most con- 
 
 LNS. ; 
 deduction 
 
 00 each 
 
 35 " 
 45 *^* 
 75 " 
 35 « 
 
 ed rate, to 
 ng it. 
 
 long been 
 and, will 
 of almost 
 
 ay past a 
 oard them 
 of money 
 
 y 
 
V 
 
 
 
 -h 
 
 m- 
 
 
 miES ilUD REfilTLATIOSa OP THE SIWT LAW- f 
 BEMB PERiJWNElVT BPILBINC SOCIETr. 
 
 ^I. This Society shall be called " The Saint Liw 
 ■rence Permanent Building Society," and thelmertT,' 
 .and pnrposes for which It is establiS, are to ^^ 
 loTd or T""^ M """""f i« 'he- acquisition of free- 
 
 fa^,nL. r''°'^'"'^P"'''y= >n the erection of bnW- 
 mgs and otherwise raprGVin>' the samt. -,n^ i„ .1 
 
 removal of incnmbranc^s or Uab fti'^^^n p.^"'^'* 
 already held by them ; and to enable them to'^^eeWe 
 the amount of their shares in advance, n^on Cnlsh! 
 Tal!T.^i ™or,Sage security ; and to lkcil?,a"e "be ae 
 cumuhtion, and borrowing, and «3demp^|f 
 
 . J!i' 1, "^''l' ^!! ""."""J'S' ^^hich shall ftom time to 
 time^be sabscr.bed, paid, or given ,0, or for tl™ use 
 of the said Society ; "or which shall in any w se h^ 
 long o the said Society, shall be approprlafed and n^' 
 
 ou^r.i r °''''^'''"««'o«nol, members as shaU^;. 
 quire to borrow the amount of Ihcir resoeciivp slT; Jt 
 , upon their furnishing, sufficient mortta^'eci^'f;' 
 in_^ay.ngoir under .he Rules hereinllLf provwij' 
 ^tl» shares of members withdrawing from the'^Ev 
 ^nd in the payment at the expiration S .he term of 
 *ach .successive class of the fSl value o sueVshares 
 
 mone 
 
 I ■ on de 
 
 I irtiart 
 
V 
 
 of the ac- f therein, as may remain unadvaneed*. But should the 
 the Society, ?| funds not be taken up by the members, at the usual 
 n^ecting for || rates charged by the Directors, such funds may be 
 other \vise invested for the benefit of the Society, at the 
 discretion of the Directors, of which members may 
 nevertheless avail tliemselves. 
 
 HI. The Stock of tfre Society shall consist of 
 shares of One Hundred Dollars each, payable by 
 monthly instalments of o?ie dollar and twenty-five 
 cents, on the third Wednesday of each month, at the 
 office of the Society in the Town of Brockville. 
 
 
 SaintXaw- 
 the inteiits 
 , are to as- 
 ion of free- 
 »n of build- 
 and in the 
 >n property 
 i to receive 
 >n furnish- 
 ate the ac- 
 nption, of 
 
 n time to 
 or the use 
 wise be- 
 3d and ap-. 
 f the Soci- 
 5 shall re- 
 ^e shares, 
 security, 
 provided, 
 5 Society, 
 e term of 
 ch shares 
 
 i 
 
 I\^. Shareholders paying in advance for any 
 certain number of months may remain in arrear for' 
 a corresponding period withiout incurring fines. ' 
 
 V. The Directors are authorised to loan a/ll 
 sums of money left witb the Society on deposit, for 
 which interest is allowed either on Mortgage of 
 Real estate, or in any other way they may think best 
 for the mterests of the Institution. 
 
 VI. The /Directors are authorised to borrow 
 money for the use of the Society, to receive rnoneys 
 on deposit/in large or sm.all sums, ancj to pay such 
 interest therefor, and under such rcgulaiions as they 
 may fi-6m time to time deem advisable, and to loan 
 such money either on mortgage of real estate, or in 
 any other way they niay think best for the i^te^ests 
 of the institution, T -^ / 
 
 VII. The affairs of the Society shall be u^der the 
 control and management of a board of nine lyirectors, 
 of whom five shall be a quorum, who shall choose 
 from among themselves a President aiid Vice 
 President. 
 
 VIII. In the absence of th^ Presiderit and Vice 
 
 ■4'^ 
 
10 
 
 President, the Directors present at any meeting of 
 the board, shall have power to appoint a chairman 
 pro tempore, and with such chairman shall be comoe- 
 ^^®^yo transact the business of the Society on Board 
 
 IX. the Election of Directors shall be by ballot 
 and at such election, members shall be entitled to 
 Jcale^-—^' in person or by proxy, upon the following 
 
 I ^ ^^ ^'i Share, and under,............! vote. 
 
 if a i shares,. ...2 votes. 
 
 « e tj •••'••••••••••?• ••.••4 ♦' 
 
 ' ••••••••.••*•..•., ...5 " 
 
 And one additional vote for every 3 share^eyond 
 
 5 shares. No member shall act as proicy for more I 
 
 ^han ten other members. Nor shall/dny riember be | 
 
 albwed to vote on any question/^flecting his indi- f 
 
 vidual mterest or conduct, eithef^as Director or^other- ' 
 
 .Wise. ■ -^ 
 
 X. The Directors elected at the formation of the 
 Society or hereaft^to be elected, shall continue in 
 office till the^ctionof their successors, unless in 
 case ol disgtfalification or resignation. 
 
 J ^k:^t^^^^^^^^^^^^^'^^S^^ the Board of Direc- 
 tgrs^shall be immediately filled by the remaining 
 )irectors, at meetings specially called for that 
 purpose. 
 
 c "^'f* 4 ?i®?®',^^ meeting of the members of the 
 Society shall be held at the office of the Society/or 
 
 K'fAyr ^'P^^T^'^*"^ ^^^'^ may appoint, on the 
 last Monday of January in each year, for the purpose 
 ol electing Directors to serve for the ensuing year 
 and lor all other general purposes relating to the 
 
 "■4 
 
 If--; 
 
 XII 
 
 [may b 
 hhatei 
 ; days 
 wise, 
 
 xn 
 
 comei 
 rupt o 
 be - rei 
 specid 
 three ] 
 meetii 
 Direct 
 of the 
 specla 
 specia 
 of the 
 inbefo 
 in an^ 
 he sha 
 
 XV 
 
 jneetii 
 lectoR 
 majori 
 repres 
 meetii 
 [4Mts6li( 
 
11 
 
 ' meeting of 
 a chairman 
 11 be compe- 
 ty on Board 
 
 •e by ballot, 
 
 entitled to 
 
 e following 
 
 1 vote. 
 
 xes beyond 
 :^y for more 
 member be 
 ig his indi- 
 oror^other- 
 
 tion of the 
 ontinue in 
 I unless in 
 
 i of Direc- 
 
 remaining 
 
 for that 
 
 )ers of the 
 jociety, or 
 int,on the 
 e purpose 
 ling year, 
 ing to the 
 
 tanageniient of the Society ; and at eaeh of the said 
 
 leetings there shall be submitted as required by the 
 
 LCt of Incorporation, a full and clear statement 
 
 )f the affairs of the Society, and the receipts and ex- 
 
 >enditures to the 31st day of December, previous. / 
 
 Xlir. Extra general meetings of the members 
 itnay be called by tiie Board of Directors, notice to 
 jthat effect being sent to each member, at least ten 
 I days previously, through the Post office, or^otber- 
 Iwise, as the Directors may determine. ' 
 
 XIV. If any Directolr shall die, or resign, or be- 
 come incapable to act as Director, orbecome bank- 
 rupt or insolvent, or compound with his creditors, or 
 be - removed from his office by a resolution of ar 
 special general meeting of the members, or shaU for 
 three months successively absent himself from tKte* 
 meetings of the Board, without the consent of the 
 Directors, he shall thereupon cease to be a Director 
 of the Society ; and the President may cohvenft a 
 special general meeting of the Directors, and at such 
 special meeting they shall appoint another member 
 of the Society to be a Director in his place, nn here- 
 inbefore provided, and no Director shall talvc part 
 in any discussion or vote on any question in which 
 he shall be personally interested. 
 
 XV. Ail questions at the annual or other general 
 I meetings of the Society (except the election of Di- 
 rectors, as before mentioned,) shall be decided by a 
 majority of members, either in person-or by proxy, 
 represented at the meeting, the Chairman of any, 
 meeting either of the Directors or members having a 
 
 Imitating vote in addition to his vote as a member. 
 
 XVI. A Ti'feasurer shall be appointed, who shall 
 also perform the duties of Secretary, and who shall 
 
I iw» ■ 
 
 be empowered to receive all moneys for and on be* 
 half of/he Society, and his .receipt shall in all cases 
 be^^^fficient discharge : and he^hall deposit with 
 th^Bank all such moneys as he shall have on hand^ 
 when they amount lo one hundred dollars. He shall 
 attend all meetings of the Directors or members of 
 the Society ; enter minutes of all resolutions or pro- 
 ceedings m the minute book, and shall keep the ac- 
 coimts in order, in proper bo6ks to be provided for 
 
 _1[^ , that purpose, and prepare the same, or a balance 
 j T sheet thereof, for the inspection and signature, of the 
 
 If! auditors. He shall summon all the Directors' to all 
 
 meetings (by circular,) and issue all circulars and 
 notices to members which may ^rom time to time, 
 ^e thought necessary by the Directors; conduct the 
 'correspondence of the Society ; and perform all other 
 'duties that the nature of his oifice may require, and 
 before entering upon his office shall furnish security 
 ^0 the satisfaction of the Board of Directors, for the 
 'due performance ofhis duty* ' 
 
 XVn. No moneys shall be drawn from the Bank 
 
 'Without the signature of the President, (or in case of 
 
 his absence or illness, of the Vice PresidentVor in 
 
 /the absence of both of two Directors) and of the 
 
 Treaslirer. 
 
 XVIII. The proceedings of the Society shall be 
 entered in a minute book, in detail, in sueh manner 
 as the Directors shall, from time to time direct ; such 
 entries to be signed by the President, Vice Presi- 
 dent or ehairmah, as well as by the Secretary and 
 Treasurer. : 
 
 XIX. The name and place of abode of e^oh 
 • shareholder, shall be entered in a Registry Book to 
 
 be kept for the purpose, and any member changing 
 his residence, shall within one calendar month there* 
 after, give notice in writing to the Secretary of such 
 
 I 
 
 I 
 
 ■J 
 
 '*«. 
 
•\ 
 
 13 
 
 )r and on be* 
 1 in all cases 
 deposit with 
 avG on hand^ 
 rs. He shall 
 members of 
 itions or pro- 
 keep the ac- 
 provided for 
 or a balance; 
 lature, of the 
 rectors' to all 
 3irQulars and 
 ime to time, 
 conduct the 
 orm all other 
 require, and 
 lish security 
 ctors, for the 
 
 Dm the Bank 
 or in case of 
 sidenty or in 
 ) and of the 
 
 iety shall be 
 ueh manner 
 direct ; such 
 Vice Presi- 
 ecretafy and 
 
 ide of eftch 
 stry Book to 
 er changing 
 month there* 
 tary of such 
 
 Khange and of his new place of abode and addres^^ 
 Or in default thereof be fined fifty cents. 
 
 XX. One or more Surveyors shall be appointed, 
 who shall survey and examine the property offered 
 _ as security, if considered necessary by the Directors, 
 I and report in writing the value and condition oi 
 I such property in such form as the Directors shall 
 I prescribe j' and who shall be paid such fees as the 
 J Directors shall think reasonable. 
 
 )- XXL One dr'tnore Solicitors shall be appointed 
 
 ' (who shall hold not less than two unadvanced shares 
 each,) who shall transact such business of th^ociety 
 
 ; as the Directors may rcquirCj for which he shall 
 receive a fair and reasonable compensation. 
 
 ■j ■ . ''./•■■■ 
 
 * XXH. The Solicitor shall investigate the title to 
 any property offered as security to the Society, and 
 ^all in all cases report in writing, whether such titles 
 
 i be deemed by him good and sufficient for the pur- 
 
 ' poses of the Society, and shall prepare all necessary 
 mortgages and instruments in favor of the Society. 
 The Solicitor's and Surveyor's fees shall in all cases 
 be paid by the member on whose account they may 
 be incurred. I 
 
 1 XXIII. Neither the Solicitor^ nor Secretary and 
 Treasurer, shall be removed from office, except for 
 \. inisconduct or inability ; and then only a,t ajmeetmg 
 j specially convened for that purpose, and by a ma- 
 ] jority of the whole Board of Directors ; anjd in case 
 I of a removal or resignation of such officer or officers, 
 I the Directors shall proceed to elect other fit and pro- 
 i per persons in his oy their stead as hereinbefore pro- 
 ^ vided.'^V '■•■■.-.-■■-,'-:■■■■■'"'-■, ^ '":■:■,".:■: 
 
 
 XXIV. Mi persons upon taking Stock in the So- 
 ciety, shall sign the Ki}ies in a book to be kept for'. 
 
 •*«. 
 
-i- 
 
 *^ ■■ ^^ ' ' ■*.'■■■ 
 
 tWftl purpose and (except when becoming members' 
 asyanslerec, legatee, or legal representative) shall 
 pay\an entrance fee of twenty-five cents per share. 
 
 XaV. That every Member so long as he shall 
 continue to be a member, and until the objects of 
 th^ &ocie;ty be attainied, shall pay one dollar and 
 twenty\fiVe cents per share, per month, on or before 
 the dayappointed for that purpose, and in default 
 thereof shall pay a fine of three pence per share, for" 
 the first month doubling the fine for each succeeding 
 month till the expiration of the first six months, ana> 
 after that \time if the same remain unpaid the share 
 or shares of such member or his representatives shall 
 become forfeited or remain at the discretion of the 
 Directors, mrom month to month with the highest fine 
 unabated b(ut no longer doubled, 
 
 XX VI. tthe Directors may accept property situ- 
 ated anywhere within that part of the Province form- 
 erly Upper Canada, or the unadvanced shares of any 
 member of the Society, as security for loans. 
 
 mg 
 
 cription, anc 
 the title the 
 member to 
 
 XXVII. Any member entitling himself to an ad- 
 vance of a sliare or shares, shall give notice, in writ- 
 to the^^eipretary, of the situation, tenure, des- 
 11 particulars of the property, and of 
 td, proposed to be mortgaged by such 
 e Society in such manner as the Direc- 
 tors shall prescribe, and shall deposit with the Secre- 
 tary all necdssai^ title deeds and documents relating 
 thereto, and ajso such sum as the Secretary shall 
 consider requisite to meet any necessary expenses. 
 Should any shareholder decline to take up the 
 amount awarded him or fail to complete the neces- 
 sary securijties to the satisfaction of the Directors 
 within tenjdays, such members shall pay a fine of 
 ten shillings per share, whether any deposit hasbeeii^ 
 
 'A 
 
 
15 
 
 as he shall 
 objects of 
 dollar and 
 n or before 
 in default 
 r share, for 
 succeeding 
 lonths, and 
 d the share 
 atives shall 
 3tion of the 
 lighestfine 
 
 jperty situ- 
 vince form- 
 ares of any 
 is. 
 
 If to an ad- 
 36, in writ- 
 enure, des- 
 jrty, and of 
 ;ed by such 
 ; the Direc- 
 i the Seere- 
 its relating 
 retary shall 
 r expenses, 
 ke up the 
 the neces- 
 e Directors 
 ly a fine of 
 it has beeii^ 
 
 mad0 or not ; and the Directors may otherwise dis- 
 pose of the money granted to such member. 
 
 XXVIII. All mortgages, deeds, and securities to 
 the Society, shall be prepared in such form and/ 
 contain such clauses, provisoes and agreements as th«* 
 Solicitor of the Society shall think fit \yith the aj[) 
 ^roval of the Directors. And in case the mprtga- 
 eor shall at any time or times, neglect or refuse to 
 pay his repayments, fines, fees, or other payrnentsfor 
 the space of six months successively, then the Di- 
 rectors may cither with or without the concurrence 
 qf the mortgagor, appoint a person or persons, with 
 such salary or commission as they may thmk proper, 
 to collect the rents and profits of the mortgaged : 
 premises, with the same power of enforcing pay- 
 ment as the mortgagor himself may possess, also, 
 power to sell and dispose of such promises by public 
 auction, to the highest bidder, or at private^sale: 
 when the Directors sMl, think proper. And in 
 case the mortgagor sh^tl be himself the actual ocv; 
 cupier of such mortgaged premises then tlf mort- 
 gage deed, may contam stipulations that fae shall 
 become tenant to the Society at a fair rent to be 
 named iii such deed, and that the Directors shall 
 have power to distrain as between Landlord and 
 Tenant, Arid when any sale shall take pace of 
 the mortgaged property the Directois shall^have 
 power to retain and apply so much of the 
 ; Purchase money as will be necessary to redeem the 
 I property, pursuant to the prpvisions contained in 
 I these rules, together with all other payments, moneys 
 I and expenses due to the Society and to pay the 
 I surplus thereof to the mortgagor. 
 i - .. • ■ '-_':[- ■.> ■ •■ ■ ■■'- ■:■ ' ■■■.;■ 
 
 ? {J^XtX. AH property secured to the Society ^on- 
 I sisting of Buildings shallbe insured by the mortgag)r, 
 if required by the Directors, in siich sum and oihee 
 
 y-\ 
 
h 
 
 '..I* 
 
 and in such name as they shall think advisable, 
 and the policy or policies shall, if required, be assign- 
 ed over to the Society. 
 
 In case any memUcr having executed a mortgage 
 to the Society, shall make delault in payment ot the 
 expenses which may be incurred in and about insur- 
 ing and keeping insured the mortgaged premises, 
 or of the ground rent, assessnients, or other payments 
 to which the said prope|ty ipay be subject, pursuant 
 to the Mortgage Deed, he shall pay a fine of fivo 
 shillings, and if default shall continue beyond oiie 
 monthly subscription day, he shall pay in addition 
 such fine as he would have incurred for the non-pay- 
 ment of an equal amount of monthly payments at the 
 time appointed for payment thereof, and the Society 
 shall not be responsible for any consequences arising 
 from any omission in the payment of the premium or 
 other payment due on or in respect of any policy of 
 Insurance. 
 
 XXX, Incase of dartiagc by fire, the t)irectors 
 shall receive from the Insurar^ce office the amount 
 payable in respect of such danijige, and the receipt of 
 the Secretary and Treasurer of! the Society shall be a 
 sufficient discharge to the Insurance Office for the 
 money therein expressed to be received, and the Di- 
 rectors shall have full power to settle and adjust with 
 the Insurance Office any question relating to such 
 insurance, and to accept the amount to be paid by 
 the Insurance Office in respect of the damage done to 
 the premises, or to make such arrangement with the 
 Insurance office as to the rebuilding or repairing of 
 the said premises, or relating thereto, as the Directors 
 shall think reasonable. i 
 
 XXXI. The Directors may in their discretion 
 either lay out the money which shall be received 
 from any Insurance Office, as aforesaid, or any part 
 
 mmm 
 
 mmmHmmml Km i 1". i " 
 
advisablet 
 , be assign- 
 
 a moTt^age 
 rncnt oi the 
 ibout insur- 
 1 premises, 
 r paymcnis 
 ;t, pursuant 
 fine ol" five 
 beyond one 
 in addition 
 lie non-pay- 
 nents at the 
 the Society 
 jces arising 
 prcmiuna or 
 ly policy of 
 
 le t)irectors 
 the amount 
 le receipt of 
 y shall be a 
 tfice for the 
 and the Di- 
 adjust with 
 ing to such 
 be paid by 
 age done to 
 int "with the 
 repairing of 
 he Directors 
 
 r discretion 
 
 3e received 
 
 or any part 
 
 /'-■:■. 
 
 [thereof, in repairing the damage done to the premisefl, 
 lor retain ancl apply the same or such part thereof as 
 [they shall think fit in or towards payment or satisfac- 
 Ition of the amount which shall be due from the mort- 
 gagor to the Society, and pay the surplus, if any, to 
 I the mortgagor or to such other person as he shall by 
 writing direct and authorize to receive the same* 
 
 XXXII. Every member executing a Mortgage to 
 the Society, shall, if required at the time of such exe- 
 cution, give to ll»e Secretary a written statement of 
 all such particulars relating to the propertjr com- 
 prised in such mortgage' as are usually required by 
 Insurance Companies, and if at any subsequent 
 period, any trade shall bo commenced or erectioa 
 made, or other matter or thing shall take place 
 which would in any way affect the validity of the 
 policy of Insurance, the like statement shall be given; 
 jind the member neglecting to give such statement 
 shall pay a fine at the discretion of the Directors, of 
 not more than ten shillings, but not less than one 
 shilling per week for each share ; and the Directors 
 shall if they think fit to do so, at least once in every 
 year, appoint some competent person to obtain all 
 the information he can with respect; to trades, &c., 
 carried on in and about the mortgaged premises, and 
 .to report to the Directors accordingly. 
 
 i XXXIII. It shall be lawful for any member hav- 
 [ingexecuted a mortgage in favor of the Society, to 
 substitute at his own expense and subject to the ap- 
 Iproval of the Directors, any other property as secmitf 
 [to the Society in lieu of the property originally mort- 
 igaged. " . ■ ^ ;' 
 
 XXXIV. If any member shall desire to¥ave his 
 property discharged from a mortgage to the Society 
 before the expiration of the full term for which it has 
 been taken, he shall be allowed to do so on paymeii^ 
 
 >■-.■ 
 
 
■•^. 
 
 18 
 
 afallrepaymflntfl and any fines feen nnA r.*v.^ 
 
 due in respect thereof nn tT th J!® ' ? ^^^^^ ^"'»« 
 
 and discounted at such rate of interest ftnH 1 u' 
 «e™s, 88 the DirectoM may detoS '■"■'' 
 
 of such security shall bo pUlm.j it' * ^'s^harge 
 - be delivered to' su^h meXTt'ifh ''^ otZT/"." 
 
 and th^S^aTj^ttutfXSSf ,''!,P"'p5<'. 
 teis relatine thereto t™^.^.^??"*^'*"'^"'? "»•- 
 
 .he Society f. ttyrx' .su:.'"""'^^^^^^ 
 
 application onhTleZf reJ'^^r' ""I "P™ ""o 
 ceased or insane merblr^t'Sdrawfl.T'^ 
 , ciety, snchreprescntMive shall be enH.UH^ ^ ^"^ 
 ference before ordin... ™-.™u enuued to a pre- 
 
 at any time and reeer4h!r"u^K'' ""* *° withdraw 
 
 tlons'or «hare\"Arh ^atS^'l!;"/^"''''''? 
 ber may have nairl f« "^•"^^^^'ased or insane mem- 
 
 feeHu^i^'^iS t tlni's'a^f •".^^"""O 
 member at the timpnf Mo • ^^°® or deceased 
 
 i^.e»s. .he^c^ntrh:':^;^?-^^^^^^^^^^ 
 
 6a?e been paiST"iri°f^'^^"P«;''n« which' shall 
 date of such conimeScemem "Jr"'"'?'? ft<"" «he 
 IhreemonthsshSTar S,,on. J°'?™«,witWn 
 ... "^' pay interest on such instalments, 
 
 • ■' ••■"'t iiw i ifMMiaf'ii 
 
19 
 
 and those joining ftfterlhat period, and within twelve 
 months, a proportionate bonut besides, according to a 
 scale to be settled by the Directors. After twelve 
 months, and within the second year, any person may 
 enter the second class of the Soc^icty npon the same 
 terms as those who entered the first class, and in like 
 >nanner,each suceeeding year, persons rj«'"°8 ^? 
 join the Society, may enter the snccceding annual 
 ilass upon the ikme terms and for the full period of 
 five years each.^ ^ 
 
 Xjrrr///. Any member not having receive Jany 
 loan or advance fro^ the Socieiy,wishing to withdraw 
 from the same, may after the first year of the class of 
 WhTeh he is a member, be allowed to do so upon giv. 
 ingone calendar month's notice to the Secretary, an4 
 may receive back the net amount of his monthly 
 SibLiptions paid up (less all fines -"^ orf^^^^^^^^^^^ 
 due to the Society) and such premmm o7"^«[««^^^^ 
 Sie Directors fron> time to time may c^»rect, and 
 should any stirplus funds remain unemployed after 
 ?he monthly loans, and the Directors be unable to n- 
 vest them a^dvantageously, (according to h^^^^^^ 
 Vesting members may be required by the Directory 
 to withdraw their shares under ^^o-^P^^.^^i^" °[^^^ 
 ballot, receiving a full share of the profits realized 
 as shown by the last annual «.tatement, but any 
 member withdrawing from any one class may at once 
 if disposed enter any other class of the Society. 
 
 XXXIX. Any shareholdpr hot having received 
 
 aiiy loan or advance from the Society, nj^X ^'J^ff^'Jii; 
 Share or shares, by causing an entry of such transfer 
 to be made in the Books of the Society m such man- 
 ner as the Directors may appoint, and upon payment 
 of the sum of fifty cents for each share so transferred, 
 and then the transferee after executing tbe covenam 
 laobserve the B^le^s^^be e^^^^^^ 
 4eges of the original shareholder. 
 
20 
 
 XL, In case of the death or Insanity 
 member, his legatee or legal representative In^MWpore 
 becoming entitled to the privileges of ail'^lginai 
 •hareholdcr procure his place of abode, and the par- 
 ticulars of his thle, to bo registered in the books of 
 the Society, or in default thereof for one month shall 
 pay a fine of fifty cents, and shall at the some time 
 exhibit the will or probate thereof, or grant ofletters 
 of administration, or other document, (as the case 
 may be) for t^e inspection and satisfaction of tho 
 Directors, a^MP^y for such Registry fifty cents jn the 
 lOisorelion oMie Directors. 
 
 Xhl. The Directors shall have power, from 
 :timo to time, to determine the fees and travelling ex- 
 jpenses to be allowed the Inspectors, and the salary 
 .-and cotttingences of the Secretary and Treasurer. ' 
 
 XLtl. The Directors elected at the formation 
 .•f the Society as well as those tfajreaft^r to be eljscted, 
 •Hhall be inderghified out of ti^wfti^f the Sooi^ tv^ < 
 .or otherwise, ifSth all expenJ||^pHpbrenciNlrthtv 
 formation, conduct, and raanl^B^Tof the Society. 
 
 XLIIL The Directors may make such arrange- 
 
 Jlient with any of the Chartered Bankk doing business 
 
 ^ *he Town of Broekville, for the diiposit of moneys 
 
 seoiirities belonging to the Society, and other 
 
 manci|#|oncems, as they shall frbm time to time 
 
 I Ideem n^essary. 
 
 'XL IV. The Directors shall have power to release 
 any existing mortgage upojB^ receiving in lieu there^ 
 
 .of another sufficient security, all expenses to be paid 
 
 iby the mortgagor. 
 
 XL V. In the practical application of these rules 
 ^r any rules to be here after yaade, in virtue thereof, 
 :<he construction put upon them by the Board of D.i- 
 
 Tfcctorfl B 
 the Hingi 
 and evci 
 
 shall, wl 
 mule as 
 in the Bi 
 construe 
 
 XL^^ 
 
 time to 
 
 live cor 
 
 and i\p| 
 
 mittee i 
 
 said D 
 
 such e J 
 
 utcH in 
 
 and to 
 
 Direct 
 
 A" t 
 
 '*i^ 
 
 » 
 
'.M' 
 
 from 
 igex. 
 alary 
 
 ation 
 
 >cted, 
 
 Wtm ] 
 jiety. 1 
 
 Jit 
 
 ' ^ in h« final nml concliifiWe, every wwl m 
 If r*ctor« Hhall be imiu rum . . ^ ^ ,,^ {[^,, plural, 
 
 .. the lingular number «u^^^^ ^,„d ,, 
 
 ana every word ''^P^''\\"^„„acTMtood to mean a ^ 
 shall, when neconfiary, »;« ""J^^Jj,,,,, be Bcwicthing 
 
 male as well us a '"^^^^^ "^exA renuKnanl to«uch Jr. 
 in the Mibject mailer or ccmlexi n-i h ^ 
 
 conslruclion. 
 
 and appoint «i';«"< »^teTo .he Direclors ". iho 
 
 Hai.l Directors ""y J"';" ji' bo cntcteJ in the mm- 
 such executive ""'""■'"X UireclorB nlmll pre|.cl.be, 
 rd :o\"t "Sr case": »«biect to the approval -.Hhc 
 Direclots. 
 
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 neys 
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 time 
 
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