IMAGE EVALUATION TEST TARGET (MT-3) 1.0 I.I 1.25 2.5 lis 10 1= LA. 11 1.6 Photographic Sciences Corporation 23 WEST MAIN STREET WEBSTER, N... M580 (716) 872-4503 k^"^ €: ^^ i\ ;\ ^ :\ \ ^\ -"is » <> O \ ^ signifie "A SUIVRE". Ie symbole V signifie "FIN". rrata to pelure, 1 it □ 32X Maps, plates, charts, etc., may be filmed at different reduction ratios. Those too large to be entirely included in one exposure are filmed beginning in the upper left hand corner, left to right and top to bottom, as many frames as required. The following diagrams illustrate the method: 1 2 3 Les cartes, planches, tableaux, etc.. peuvent dtre filmte d dee taux de reduction diffirents. Lorsque Ie document est trop grand pour dtre reproduit en un seul cliche, il est film6 d partir de Tangle sup^rieur gauche, de gauche d droite. et de haut en bas, en prenant Ie nombre d'images ndcessaire. Les diagrammes suivants illustrent la m^thode. 1 2' 3 4 5 6 fjiiimiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiimiiiiiiiiiiiiiiiiiiiiniiiiiiimtiiu 1/ ......••"••""■•■"""""•""••••..e... ^S ESTABLISHED 1870. ixLcorpQiratecl wad:©? Special Acts ®€ X^ BDARD DF MANAGEMENT: s ^s I {"W. F. BUTT, Esq., PrEsidEnt. | « '^. K. CRAWFDRn, Esq., VicE-PrEsidEnt. | SA. A. Stncktan, Esq, Jas. H, McAvity, Esq. S EW. H. Hayward, Esq. C. P. Clarks, Esq. s i Cgd. F. Calkin, SEDretaTy-TrBasnrEr. SDLICITDRS: MEssrs. A. A. & R. D. Stncktan. BANKERS { Bank of I^evj Bruns-wick. S 5 OFFICE If 2© Prlpise lljm. I^treetj illlllllllllllllilllllllllllllllllllBlllllllllllllllllllllllllllllllllllllllllllllllhllllllllllR •:|-PRDSPECTUS,-> HIS Society has now been in successful operation for more than sixteen years, and the results of its business trans- actions have been highly satisfactory. 'J'he promoters of this Society had a triple object in view in its organization. First to found an institution that would yield to Depositors, Shareholders and Stockholders a profitable return on money in- vested, having as a security therefor a real estate basis. Secondly, to afford to borrowers ample facilities for obtaining loans in sums to suit, by way of mortgage on Freehold and Leasehold security, repayable by small half-yearly, quarterly or monthly instalments extend'ng over a period of years, at the option of Khe borrower. Thirdly, to provide all the advantages, guards and checks of a thoroughly sound Savings* Bank system, but paying a higher rate of interest than those Institutions. . The Board of Management have great pleasure in announc- ing that the experience of sixteen years has confirmed all their expectations. Depositors of large and small sums have exten- sively patronized the Society, and they have invariably expressed entire satisfaction with the conduct of its business. As a Loan Company, borrowers have found in this Society facilities for purchasing and paying for homes for themselves by gradual repayments of a very desirable character. The Assets of the Society now exceed $140,000, which the management hope in a short time to largely increase. Paid up Shares, which are $50 each, may be taken up at any time, bear interest at 6 per cent, per annum, compounded half yearly at maturity. All shares mature in four years. Capitalized Stock receives half-yearly dividends, as the business of the Society will warrant. The dividends have been from si.\ to ten per cent, per annum. Money is received on deposit, withdrawable on short notice, bearing interest at five per cent, per annum, compounded half- yearly. Special arrangements may be made for money deposited for a lengthened period. Investors are invited to study these various modes of invest- ing. All classes, it is confidently believed, will find it safe and profitalle. The attention of borrowers is directed to this Society, and its mode of loaning. Lo.\NS are made on the security of approved unencumbered ; real estate, and generally for a period of five or ten years. If a j loan be made for ten years, the monthly repayment for each $100, will be $1.40. This monthly repayment of $1.40 for 120 months, . pays both piincipal and interest, and cancels the loan of $100, I at the end of the ten years ; the amount repaid at end of term would be $168, or $58 for ten years interest, equal to 6 4/5 p. c. The borrower may however pay off his mortgage at any time. and will be allowed in such case a rebate of interest. It is the constant aim of the Board of Directors to make this Society progressive and safe ; and all persons having business relations with it either as Depositors, Stockholders or borrowers, may rest assured that their respective interests will be carefully guarded. GEO F. CALKIN, Secy- Trens. St. John, N. B., January /. iSl^b. p p p, OKO. A. KXODELL, PRINTKK. r(;u(ixc/ii olk.kI cL <■ .«. vV c t rJ> r\ .', 'JC