IMAGE EVALUATION TEST TARGET (MT-3) // A ^^. f/. 1.0 I.I ■- IIIIM — M 12.0 L25 1.4 1.6 ^ 6" ► ^ ^0 /}. ^. (?. ^m 0% % > o 7 Photographic Corporation 23 WEST MAIN STREET WEBSTER, N.Y. 14580 (716) 872-4b03 iV iV ^''^ <> ;\ %^^.J^> % V '%'■ CIHM/ICMH Microfiche Series. CIHM/ICMH Collection de microfiches. Canadian Institute for Historical Microreproductions / Institut Canadian de microreproductions historiques Technical and Sibliographic Notes/Notes techniques et bibiiographiques The Institute has ettempted to obtain the best original copy available for filming. Features of this copy which may be bibliographically unique, which may alter any of the images in the reproduction, or which may significantly change the usual method of filming, are checked below. L'Institut a microfiln-i le meilleur exempiaire qu'il lui a et^ possible de se procurer. 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Tous les autres exemplaires originaux sont filmds en commenpant par la premidre page qui comporte une empreinte d'impression ou d'illustration et en terminant rar la dernidre page qui comporte une telle empreinte. Un des symboles suivants apparaftra sur la dernidre image de cheque microfiche, selon le cas: le symbols — *>signifie "A SUIVRE ', le symbols V signifie "FIN". Les cartes, planches, tableaux, etc., peuvent Atre film6s A des taux de reduction diffdrents. Lorsque le document est trop grand pour Atre reproduit en un seul clich6, il est filmi A partir de Tangle sup6rieur gauche, de gauche A droite, et de haut en bas, en prenant le nombre d'images n6cessBire. Les diagrammes suivants illustrent la mithode. 1 2 3 1 2 3 4 5 6 i ,- ^., '.-y- -t" -g^-sfel s K \ ■ V' If? fes« p *t; »i*s jf any persoijs look on Building Societies as somethiug mysterioua and difflcutt to be Understood. Tbis is ,jb great mistake. It would be hard to find an intelligent mechanic in England who does not know all about such institutions, and there are but few well-doing persons, of moderate means who have not had at some time or other, a shfere in some Society of the kind. Such Societies were specially formed io/ the benefit of industrious persons of small means ; they •are under Government inspection, and are 'protected hy a -'special act of Parliament of a very stringent character. It is not generally known — but it is true— that Building Societies in Nova Scotia are under the control of a similar Act, 12 Victoria, chap. 42— which is almost word for word, a tran- script of the English Act. The whole operations of a Build- ing Society are therein set forth and i^gulated in th strictest manner, and so plainly that every shareholder can under- stand. And, believing that the more widely the principles are known on which the Provincial Bdilding Society is founded and conducted, the more it will inspire confidence '»/■ / »l1i— HI ri»' ,* » ^ . ^ ^-^ 4 . I. C % t the Directors invite the attention of the Public, both of persons able to invest money therein, and of borrowers desirous of Icpns. PLAN OF THE PROVINCIAL BUILDING SOCIETY. The principle on which every sound Building Society ii> based is the same— namely : that a sum of money, be it large or small, is paid into the Society, where it remains at compound interest, (that is to say, at interest upon interest,) until it becomes double the amount. The shareo m the Provincial Building Society, are thirty Pounds each, which amount may be either cash down at once, or may he paid at the rtxte of six shillings per month : or quarterly, half-yearly, yearly, or in any other manner to snit convenience. The Society is thus a Savings' Bank, but gives higher interest than any Bank in the Province. And, in addition to the highest rate of interest every shareholder participates in the profits according to the amount he has paid in. . PERFECT SAFETY OF THE SOCIE 'Y. Money paid into the Society can only be loaned on the security of '>eal estate, of well-ascertained value. The Society must always have the. first claim over every property it holds. No loan can ever be made on any second mort- gage ; nor on any personal seci-ity of any kind, however good. As a portion of the prin pal of every loan is repaid monthly to ihe Society, the risk on any loan rapidly becomes less. Every property held by the Society is inspected peri- odically—must be kept in constant repair, and must be insured in name of the Trustees. In no case is the full value of any property ever advanced ; and, in the event ol country securities, a town agent must guarantee the payments. Every officer of the Society must give bonds of fidelity. The trustees are the Treasurers of the Society. A. large Board of Directors form an Executive Committee and a Board of appeal. And in every respect as far as caution and foresight can guide, the Society has been framed to be absolutely safe. X^^"\ -W.^. 'SfKi-::-:,^^;^-;-i ^^^^ f f l » m • — HW." I W"' '» " ' '■ " ' " "H i ll.»Wj ^|WI— 1^1^ TABLE OF THE VALUE OF SHARES, AT ANY TIME; EXCLUSIVE OF BONUS- Value of Share Value of Share on which on which Months. (I'^^O $'..20 Month!. have been paid has been paid in one sum. monthly. Paid In. 1 1 $120.00 $1.20 Ist $120.60 $1.20 Ist 2d 121.20 2,41 2d 3d 121.81 3.62 3d 4th 122.41 4.84 4th 5lh 123.02 6.06 5th 6th 123.64 7.29 6th 7th 124.26 8.53 7th 8th 124.88 9.77 8th 9th 125.51 11.02 9th lOLh 126.13 12.27 10th 11th 126.77 13.54 11th 12th 127.40 14.81 12th FIRST YEAB. F1B8T YEAR. 13th 128.03 16.08 13th 14th 128.67 17.36 14th 15th 129.31 18.65 15th 16th 129.96 19.94 16th 17th 130.61 21.24 17th 18th 131.26 22.55 18th 19th 131.92 23.86 19th 20th 132.58 25.18 20th 2l8t 133.24 26.51 21st 22d 133.91 27.84 ' 22d 2Bd 134.57 29.17 23d 24th 135.25 30.52 24th 2SD YISAB. 2.ND YEAR, 25th 135.92 31.87 25th d6th 136.61 33.23 . 26th 2"?^ 137.29 34.60 27 th 28tti'; 137.97 35.97 28th 29th 138.66 37.36 29th 30th 139.36 38.74 30th MHEiiMraiUiMQalll T Table o. value of SuAiiES-^nfmuei^ 1/ Months. Paid tn. Value of Share on which $120 have been paid in one sum- $120.00 -.. tt ■ \ 1 • 1 1 ■7f V 31st $140.06 32d 140.76 3Bd 141.46 34th 142.16 35th 142.87 36th 143.59 THIRD YEAE. 37th 144.31 38th 145.03 39th 145.76 40th 146.48 41st 147.21 42d 147.95 43d 148.69 44th 149.43 45th 150.18 46th 150.93 47th 151.68 48th 152.44 4TH YEAR. 49th 153.^21 50th 153 97 51st 154.75 52d 155.52 53d 156.30 54th 157.08 55th 157.86 56th 158.65 57th 159.44 58th 160.23 59th 161.03 60th 161.84 »TH YEAB 1 • 1 Value of Share on which $1.20 has heen paid mouthly. $40.13 41.53 42.94 44.36 45.78 47.21 48.64 50.08 51.53 52.99 54.46 55.93 57.41 58.90 60.39 61.89 63.41 64.92 66.45 Q7.98 ' 69.51 71.06 72.62 74.18 75.76 77.83 78.91 80.51 82.11 83.72 Months. t 3l8t 32d 33d 34th 35th 36th Ithiedyeak 1 37th 38th 39th 40th 41st 42d 43d 44th 45th 46th 47th 48th 4th YEAK. 49th 50th 51st 52d 53d 54th 55th 56th 57th 58th 29th 60th 5th year. .'I 4 I \ Table oj valtje o» Shares— Oon^nuerf. t MontbP. Paid in. 61st 62d 68d 64th S5th 67tii 88th Value of Share on wblch $120 have been paid iu one sum. 70l!l '71 St 72d 73d 74th 75th 76th 77tu 78th 79th 80th 81st 82d 83d 84th 7TH YEAR. 85th 86th 87th 88th 89th 90th 91st $120.00 $162.65 163.46 164.28 165. li 165.93 166.76 167.59 168.43 189.27 17^.11 170.96 171.81 172.67 173.54 174.41 175.28 176.16 177.04 177.92 178.81 179.^^1 180.61 181.51 182.41 ^ 183.33 184.25 185.16 186.09 187.02 187.96 188.90 Value of Share on which tl.20 has been paid monthly. $1^ $85.35 86.97 88.61 90.25 91.90 93.56 95.22 96.9i 98.59 100.28 101.91 103.69 105.41 107.14 108.87 110.61 112.37 114.13 115.91 117.68 119.46 121.26 123.06 124.87 126.70 128.53 130.37 132.22 134.08 135.96 137.84 Months. 61 St 62d 63d 64th 65th 66th 67th 68th 69th 70th 7l8t 72d (h-H "VEAB. 73d 74th 75th 76th 77th 78th 79th 80th 8l8t 82d S3d 84th 7TH YEAR. 85th 86th 87th 88th 89th 90th 91st f». I T ■i»t, ^ il >• Table of value of StfARBS — Continued. 1 ; Moutha. Value of Share on wMch $120 liave been paid In one surn. Value of Share on which fl.20 has been paid monthly. Months. Paid in. 1 $120.00 $1.20 92d Iisl89.84 $139.72 92d 93d 190.7?» 141.62 93d 94th 191.74 143.53 94th 95th 192.70 145.45 95th 96th 193.66 147.38 96th 8th year. 8th YEAR. 97th 194.63 149.31 97th 98th 195.61 151.26 98th 99th 196.58 153.21 99th 100th 197.56 155.18 100th 101st 198.56 157.16 lOlst 102d 199.55 159.14 102d 1031 200.55 161.14 103d 104th 201.55 163.15 104th 105th j 202.56 165.16 105th 106th 203.57 167.19 ] 06th 107th 204.59 169.22 107th 108th . 205.61 171.27 108th »TH YEAR. oth year. 109th 206.65 173.33 109th 110th 207.68 175.40 110th 111th 208.71 177.47 111th 112th 209.76 179.56 112th 113th 210.81 181.66 113th 114th 211.86 183.76 114th 115th 212.92 185.88 115th 116th 213.99 188.01 116th 117th 215.06 190.16 117th 118th 216.13 192.31 118th 119th 217.21 194.46 119th 120th 218.30 196.63 120th lOra VKAR. lOin YEAR. ) I ^ ) r - II it Table of value of Shares— Coniinwcrf. Months. raid in. I Value of Stiare on whloh $120 have been paid in one sum. T2O.OO 12l8t 122(1 123d 124th 125th 126th 127th ! 128th 129ih 130th 13l8t 132d llTIl YKAK. 133d 134th 135th 136th 137th 138th 139th $219.39 220.48 221.58 222.69 223.81 224.92 226.05 227.18 228.31 229.46 230.60 231.76 232.91 234.07 235.25 236.43 237.62 238.81 240.00 Value of Share on which $1.20 has been paid monthly. "$^20 $198.81 201.01 203.21 205.42 207.66 209.89 212.14 214.40 216.67 218.96 221.25 223.56 225.87 228.21 230.55 232.90 235.26 237.63 240.00 Months. 12l8t 122d 123d 124th 125th 126th 127th 128th 129th 130th 13l8t 132d llTH YEAn. 133d 134th 135th 136th 137th 138th 139th ii T OTHER ADVANTAGES. The money paid into the Trovincial Building Sootett, as into a Savings Bank, wiM be paid over without deductioii, and with full interest to date, to the proper representatives of any shareholder deceased- In the case of sickness, or temporary strait for money, the amount paid into the Society, or such portion thereof as may be required, will be re-loaned to the shareholder, uutil better times come round. In the event of a depositor leaving the Province, or any other unexpected circumstance occurring, his money will be returned to him without deduction, and without unuesessary delay. Sale CT transfer of shares may be made at any time, with- out loss of interest or profits. This Society offers facilities for invertment of Trust or Corporate funds. Arrangements can also be made for investment, loans, and guDrautees, within the limit of the '. Act ; also in connection with Life [nsurarce. M H She frotfir.tiial M^Hm ^H^^k Will make advances to members on the security of Real Es- tate. It will also advance money for the erection of buildings in approved localities. The scale of repayment for loans if . at the rate of £1 per niunth—inclrJing both principal and iuterest — for every £i 00 borrowed. Members may redeem their mortgages at any time on equitable terms, *^* The design of the riiQviNCiAL Building Society is rather to make advances of moderate sums to industrious per- sons, than to take large amounts on more speculative risks. Every information relative to the principles and working " cf the Society will be given, on application, between the hours of 10 A. M., and 4 p. m , at the Society's office, Union Marine Insurance Building, Bedford Row, Halifax. Appli- cations from the country must be addressed to the Secretary, postpaid, and enclosing postage stamp for a leply. -yf. J '■i ! n 'A. r: - .'