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 .^^i.:.'- ,>-^ --^ 
 
CO-OPERATIVE SUPPLY ASSOCIATION, 
 
 (LIMITED,) 
 ALBERT BUILDINGS, VICTORIA SQDARE. MONTREAL. 
 
 CAPITAL, $180,000, 
 
 IN 30,000 SHARES OF" SS EACH. 
 
 PRESIDENT: 
 HON. JOHN HAMILTON, Prest. Merchants Bank of Can^a, MontreaL . 
 
 VICE-PRESIDENT: 
 
 J. a HUNTB5R, Esq., N.P., Director London Ss Lancashire Life Insurance Co., and the 
 Fire Insurance Association of London, ESn^.. Limited, Montreal. 
 
 DIRECTORS: 
 
 LT.-COL. DENNIS, Deputy Minister of the HENRY YATES, Esq., Engineer. M.I.M .B. 
 
 Interior, Ottawa. Brantfbrd and Montreal. 
 
 WM. P. LOCKWOOD, Esq., Montreal. T. P. FRENCH. Esq.. Post Office Inspector. 
 
 QBOROB R. GRANT, Esq., Administrator OttawJL 
 
 to Sir W. E. Logan's Estate, Montreal. LT.-COL. LAMONTAGNE, Brigade Major 
 
 Montreal. 
 
 LP 
 
 ' Bankers : THE MOLSONS BANK. 
 
 r^wla Solicitors: MESSRS. DAVIDSON & CROSS. 
 
 1 15 O » General Manaerer : W. P. LOCKWOOD. 
 
 GEORGE R. GRANT. 
 
 SecretMy : GEORGE DURNFORD. 
 
 
 '^•"il ' 
 
COISTTENTS. 
 
 Title page j 
 
 Abridged Prospectus 3 
 
 Lettei-s to Thi Gazbite explaining the principles of coK)per- 
 
 ative distribution 5 
 
 The Shoppers' Kebellion 10 
 
 By-laws of the Company 13 
 
 ^ 
 
ABRIDGED PROSPECTUS. 
 
 LIABILITY — The Company is established under "The Canada Joint Stock Companj 
 Act, 1877." The liability is limited to five dollars per share, under sections 47-48. 
 
 SHAREHOLDERS AND MEMBERS— The profits will be divided amongst the share- 
 holders. All shareholders are entitled to vote at the Company's meetings, purchase at th« 
 storcrt, and elect one member for every ten shares they hold in the Company. Member's 
 tickets, entitling the holder to purchase at the stores, will be issued on the introduction of 
 a shareholder, subject to the payment of one doll' a year; Shareholders only partici« 
 pate in the profits or vote at meetings. Tickets will be forwarded to all Shareholders ; 
 they must be shown at the stores when req lired, and the number quoted in orders by letter. 
 
 OBJECTS OF THE COMPANY.— The Company is formed for the purpose of estoblish- 
 ing Co-operative Slorei in Canada on the same principle as the Army and Nary and the Civil 
 Service Stores, now working so successfully in London, England, to tupply membert vith all 
 articles /or coniumption and general \ue of the purest and best quality at the lowest priet, and dividt 
 the profits amongst the Shareho'ders. The stock will be procured from the most celebrated pro- 
 ducers. In order to insure pure goods a competent A nalyst will be engaged to examine 
 and test their quality. 
 
 BUSINESS OF THE COMPANY.— Goods will b« delivered free in Montreal, and car. 
 riage paid to Quebec, Ottawa, Kingston and Toronto. In the Wholesale and Forwarding 
 Department, Goods will be specially prepared and packed for transit. Reduced rates or 
 allowances will be nuide for carriage of goods to distant p>laces. All goods will be soli 
 for cash, and the prices charged will accord with those of tbie principal London Co-operative 
 Stores. 
 
 CATALOGUES will be published at intervals containing lists of goods in each depart- 
 ment, with prices attached and full instructions respectlEg ordering and delivery. These 
 catalogues will be delivered free to members, and to the public, on application to the 
 Secretary. Special arrangements will be made for the exhibition and sale qf goods mant^factured 
 in Canada. Manufacturers and Agents, to insure quotations in the Company's catalogue, 
 should forward price lists and other particulars. 
 
 ADVERTISEMENTS may be inserted in the Cata'iogues by Merchants and others, who 
 will offer to members of the Society a special discount for cash payments on the plan so 
 largely adopted in England. 
 
DEPARTMENTS will be opened on or about the Ist June, for the sale of Groceries 
 Proyisions, Dry Goods and a selection of articles in general use. The following will be 
 added soon as posible :— Drugs, Patent Medicines, Perfumery and Toilet Bequisites, Wines 
 and Spirits, Tobacco and Cigars, Haberdashery, Clothing and Woollen Goods, Hats 
 and Caps, Boots and Shoes, Travelling Requisites, Portmanteaus, Umbrellas, Rugs, 
 Jewellery, Electro Plate, Cutlery, Stationery and Fancy Ooodn, Games, Lawn Tennis, 4c., 
 China and Glass, Pianos, Furniture and Carpets, Bedding, Turnery and Mats, Ironmongery, 
 Agricultural and Gardening Implements. Writing Rooms, Lavatoriis, etc., available for 
 UMnbers, will be provided at the stores. 
 
 ARRANGEMENTS will be made with Merchants to supply at reduced prices such 
 articles as Coals, Firewood, etc., which cannot ^e kept at the stores. Every article 
 ordered by members, will be procured for them at the lowest possible price. 
 
 STORES.— -The extent of business done at the Co-operative stores, together with their 
 great financial success, has given them a prominent position amongst the « tipfUt and 
 curioaitiet" qf London. Few places are visited with more pleasure and satisfaction; they 
 are held In great fattor by all classes, and receive the highest patronage. The most popular 
 Stores ai'e those cohdbcted for the bieneflt 6f members of the Army and Navy, the Civit Sia- 
 vici ahd their friends. They are under the direction of gentlemen holding high positions, 
 Canadian familieis Whb huve Visited London have steldom failed to avail themselves of the 
 JadtttDtagtes offei^d by purchasing at the stores,— to them reference may be safely made. 
 Thd^eat saviiig in the Coht of ^oods, and the uniformly high quality of the articles sold, 
 has from year to year increased their popularity. In 1880, the sales of Co-opertitives slor^ 
 in England, amounted to about Okb Hundred and Twsnty Millions or Dollars. 
 
 PAMPHLETS, PROSPECTUSES and Forms of application fbr shai^es may be had on 
 ItppliVflftiCfn to the Sevvetaty. 
 
 Albirt BcnDiNCM, 
 
 Victoria Square, 
 
 Montreal. 
 April 20th, 1881. 
 
CO OPERATIVE SOCIETY. 
 
 iw 
 
 The following letters explai»"*ng the prin- 
 ciples of co-operative distribution, wore 
 published during the months of March and 
 April, 1881, in Thb Oazktti, Montreal :— 
 
 TO THE EDITOR OP THE GAZETTE. 
 
 8iR,— So lit'le is known respecting the 
 Co-operative Societies established in England 
 and Scotland that some account of their 
 origin, progress and objects cannot fail to in- 
 terest a large portion of your readers ; if you 
 consider the matter of sufficient importance 
 I shall be glad to gire you such information 
 as I can gather from reliable sources. 
 
 These societies are conducted on what is 
 known as the « Rochdale plan " and the 
 <« Civil Service plan," the rule of both 
 is to sell all goods for cash. In 
 1878, the last year for which the 
 returns are completed, 1,181 societies, con- 
 ducted on the Rochdale plan, made returns 
 to the Government, as required by the In- 
 dustrial and Provident Societies' Act. They 
 had, at the end of that year, 650,700 mem- 
 bers; a share capital of £5,728,827; a loan 
 capital (dividends left on deposit at 5 per 
 cent interest) of £872,686 ; they received for 
 goods sold during the year £21,128,318; 
 their expenses, including 5 per cent interest 
 on share and loan capital, were £1,486,291, 
 the net profit realised was £1,817,943; 
 their total assets were £10,139,567. In jiU 
 these 1,181 societies, capital received no 
 more than 5 per cent interest ; ihe 
 profit on the years trading, £1,817,943, was 
 •divided amongst the members in proportion 
 to the amount they paid for goods bought at 
 the store ; one member might hold ten shares 
 representing a share capital of £10, he re- 
 ceiveB 5 per cent, interest or two shillings ; 
 he buys goods to the amount of £50 and re- 
 ceives profit, say £5 ; another member holds 
 one share of £l, he receives 5 per cent, in- 
 terest or one shilling, but he purchases at the 
 store £100 and receives as (dividend) profit or 
 money saved £10. 
 
 The shares are £1 each, and members re- 
 ceive 5 per cent, interest on their share capi- 
 tal and on such dividends as they allow to 
 accumulate. The share capital and loan 
 capital may be withdrawn at any time. 
 
 The object of these societies is to raise money 
 to purchase the best goods at wholesale 
 
 prices, to save on the cost and distribution of 
 goods, to give accurate description, weight 
 and quantity to sell at fair prices, and give 
 to every member the exact proportion of 
 savings he has by his purchases contrib- 
 uted to make for the Society. This is the first 
 part of their programme ; it extends much 
 further. Their aim is to elevate their class, 
 to inculcate habits of thrift, temperance and 
 independence, release their members from 
 debt and induce them to accumulate their 
 savings until they reach such an amount as 
 enables them to undertake business opera- 
 tions which otherwise would be beyond their 
 reach. Saving was difficult until the happy 
 idea qf saving by what it actually expended wa$ 
 reduced to practice. The men of Rochdale 
 may well be proud of being the "pioneers in 
 forming societies which in teven yeart have 
 accumulated, saved and hold in realizable 
 assets more than Jlfty miilions <if dollara for 
 their 650,700 members. Besides this amoani 
 invested in stock, buildings, industrial 
 and other societies, large sums have 
 been withdrawn and expended in building 
 houses, in freeing members from debt and 
 adding largely to the domestic improvement 
 and comfort of thousands of homes. In Roch- 
 dale whole streets of improved houses have 
 been built by co-operative savings. 
 
 The other class of stores on the civil ser- 
 vice plan are mostly established in London. 
 Their shares are transferable, but not with- 
 drawable. They give the purchaser the best 
 goods the market affords at the lowest price, 
 allowing a fair margin for expenses and a 
 small fulvance for profit, which goes to the 
 shareholders. 
 
 Thev publish regular balance sheets show- 
 ing the business and amount of profit. Al- 
 though the advance on the sales is small, 
 it is sufficient to pay large dividends on the 
 capital employed. 
 
 The net profit, after paying work- 
 ing expenses, interest on deposits, kc, in the 
 Army and Navy Co-operative Society, is about 
 8 cents In the pound ; on thin sales their £1 
 shares sell at £3 15s They sold goods to 
 the amount of about ten million dollars in 
 1880. Any increase of profit is met by a 
 reduction on the price of their goods. 
 
 The Civil Service Co- Operative Society's 
 shares, on which £2 is paid, sell at £77 to 
 £100. 
 
The Civil SerTlce Supply Association 
 (whose balance sheet to June 30th, 1880, may 
 be 8een at the Company's office), sold goods 
 to the amount of seven millions of dol- 
 lars in 1880. Thei** shares, on which 
 ten shillings is paid, sell at £65. I pur- 
 pose forwarding you a brief history of the 
 Rochdale Society, the Civil Service Supply 
 Association and some others. 
 
 I am, sir, 
 
 Yours respectfully, 
 
 WILLIAM P. LOCKWOOD. 
 184 St. James street, 
 
 Montreal, 24th March, 1881. 
 
 CO-OPERATIVE SOCIETIES. 
 
 TO THE EDITOR 0*' THE GAZETTE. 
 
 Sir, — The establishment of the <' Society 
 of Equitable Pioneers," at Rochdale, in 1844, 
 may be considered as the commencement 
 of the English co-operative movement. Co- 
 operation had often been tried in various 
 forms ; it was, however, for Charles Howarth 
 to put in practical form the method of rais- 
 ing, making, or creating capital on what is 
 known as Uie Rochdale plan. After satisfy- 
 ing themselves of the soundness of How- 
 arth's plan, twenty-eight workingmen agreed 
 with him to form a society and raise capital 
 to commence business. They began by sub- 
 scribing two-pence a week, and after a time 
 managed to increase the amount to three- 
 pence. In i)ecember, 1844, these resolute 
 earnest men had raised £28, and commenced 
 business. They opened their store at eight 
 and closed at ten o'clock on two nights a 
 week. Two of the members attended in 
 turn to weigh out and deliver the goods. No 
 one received payment for services, but did 
 what was required for the general benefit. 
 Their first stock consisted of four 
 articles, butter, sugar, soap and flour. 
 Their rule was that every member should 
 have five pounds invested before he could 
 withdraw his share of profit or his share 
 capital. 
 
 The first 28 shareholders raised £28 to 
 start with ! The shares were £1 each ; their 
 idea was to save the rest of the money to 
 entitle each of them to fiour more shares ; the 
 differs e between the price paid for goods at 
 wholesale and the price at which they sold 
 them 'Stall, after paying rent, cost of man- 
 agement, 6 per cent interest on capital, and 
 
 other expenses, was placed to the credit of 
 each member in proportian to his pui chases ; 
 new members ji<>iDed slowly at first, their 
 scheme was ridiculed and laughed at, their 
 little store in five years had only managed to 
 obtain 149 members: still they made a profit 
 and members increased. 
 
 The savings were used to increase their 
 purchases, and in time each member got his 
 five shares, some paying £1 or more towards 
 them in cash, others paying only a few shil- 
 ling and securing their five shares when 
 their actual savings made up the diff'erence ; 
 when the five shares were paid up they could 
 withdraw the amount, £6, or hold five shares ; 
 future dividends they could receive quar- 
 terly or leave with the society as loan capital 
 bearing 5 per cent interest ; not more than 
 £200 could be held for any one member. The 
 art of saving, once acquired, was encouraged 
 by finding that amounts varying from £6 to 
 the full amount, £200 were held by many of 
 the members in addition to shares in their 
 own corn and flour mill, and other manuEac- 
 turing societies ; others were living in modet 
 houses, of which there are large numbers in 
 Rochdale and other towns, built and paid for 
 by co-operative savings. 
 
 The following table shows the progress of 
 the Society from 1844 to 1879 :— 
 
 Year. Members. 
 
 Mi 
 8i6 
 846. 
 817. 
 848 
 849. 
 8S0 
 .851. 
 852 
 hGS 
 R64. 
 855. 
 1856. 
 8ff7. 
 858. 
 850. 
 860. 
 861. 
 
 861. 
 
 867. 
 
 87t». . . 
 871... 
 872... 
 
 873 .. 
 
 874 .. 
 1876... 
 
 876 .. 
 877... 
 
 878 10,187 
 
 879 10,487 
 
 28 
 
 74 
 
 80 
 
 110 
 
 149 
 
 890 
 
 400 
 
 680 
 
 680 
 
 720 
 
 900 
 
 1,400 
 
 1,600 
 
 1,850 
 
 1,950 
 
 2,708 
 
 8.450 
 
 3,9^0 
 
 8,601 
 
 4,013 
 
 4,747 
 
 6,.<)26 
 
 6,246 
 
 6,823 
 
 6,731 
 
 5309 
 
 5J360 
 
 0,021 
 
 6,444 
 
 7,021 
 
 7,636 
 
 8,415 
 
 8,802 
 
 Capital. 
 
 £ 
 
 28 
 
 181 
 
 252 
 
 i^86 
 
 397 
 
 1,193 
 
 2,299 
 
 2,785 
 
 3.471 
 
 5.848 
 
 7.172 
 
 11,082 
 
 12.920 
 
 15,142 
 
 18,160 
 
 27.060 
 
 37,710 
 
 42,925 
 
 88,465 
 
 49.361 
 
 62406 
 
 78,778 
 
 uUfWSf 
 
 128,435 
 128,283 
 93,423 
 ■ 80,281 
 107,600 
 132,912 
 160.886 
 192.811 
 226.682 
 234,000 
 
 293,344 
 288,085 
 
 8ales. Profits. 
 £ £ 
 
 710 
 
 1.146 
 
 1,924 
 
 2.276 
 
 6,611 
 
 13,179 
 
 17,638 
 
 16,352 
 
 22,760 
 
 S3,364 
 
 44,902 
 
 63.197 
 
 79,788 
 
 71,689 
 
 101,012 
 
 152,06:{ 
 
 176,206 
 
 in,074 
 
 16S,682 
 
 171,937 
 
 196,234 
 
 219.122 
 
 281,919 
 
 290,900 
 
 236,438 
 
 22i,021 
 
 246,622 
 
 265,577 
 
 287,212 
 
 298,888 
 
 305,657 
 
 305,190 
 
 298,679 
 270^)72 
 
 22 
 
 80 
 
 72 
 
 117 
 
 561 
 
 889 
 
 990 
 
 1,206 
 
 1,674 
 
 1,763 
 
 8.106 
 
 3.92L 
 
 5,470 
 
 6,281 
 
 10,789 
 
 15,906 
 
 18.12) 
 
 17,564 
 
 19,671 
 
 22,719 
 
 25, IS** 
 
 31,93i 
 
 41,619 
 
 37,467 
 
 28,512 
 
 2 •,209 
 
 29,026 
 
 33,640 
 
 38,749 
 
 4'>,679 
 
 48,212 
 
 60,66!i 
 
 51,000 
 
 52,694 
 
 tf,75> 
 
The sales of goods advanced in 12 yearn 
 from : — 
 
 Weekly 8 .len 1844 to Weekly Bales 1866 
 
 Butter SOIbf) 220 firkins or 1V400 lbs 
 
 Hugar 40 lb8 170 cwt or 19,010 lbs 
 
 Flour 3 Kocka 468 sackH 
 
 Hoap 60 Ibd 2U)a8,lScwt.or 5,986 lbs 
 
 These were the only goods they 8old, even 
 tea and coffee were luxuries for a time be. 
 yond their means ; times were hard and 
 wages low. Subsequently Mr. Holyoake 
 says :— " When sugar was rapidly rising Mr. 
 Ashworth (the manager) ordered 50 tons in 
 three days, and on another occasion he gave 
 an order for 4,000 sacks of flour." The week, 
 ly receipts for the first fortnight did not 
 average £10 ; in 1879 they averaged £S,401 
 a week ; in 1844 they had 28 members and .. 
 capital of £28, at the end of 1879 they had 
 10,427 members, share and loan capital, 
 £301,339; cash sales, £270,072; members 
 withdrew from the society during the year, 
 £105,587, and divided in profits £49,751 ; be- 
 sides this profit they paid 5 per 
 cent on their share capital and 
 applied £900 to educational purposes. 
 They had also invested in industrial and joint 
 stock companies £141,076, in buildings and 
 fixtures £54,697. 
 
 The following are instances of individual 
 benefits obtained by two members of the 
 Rochdale society : One member had £5 in 
 the society and in eleven years his profits 
 were £125; another, who had £7 invested, 
 had £110 saved for him in seven years. 
 This is what has been done by the working, 
 men of Bochdale, and what every one who 
 reads this may help to do for others. 
 
 Many years ago, when the Bochdale stores 
 were doing little more than half their pre- 
 sent business, John Stuart Mill says ('< Prin- 
 ciples of Political Economy," page 472) : — 
 
 "In their wilderness of rooms, the visitor 
 stu nbles upon shoemakers and tailors, at 
 work under healthy conditions, and in perfect 
 peace of mind as to the result on Saturday 
 night. Their warehouses are everywhere as 
 bountifully stocked as Noah's Ark, and cheer- 
 ful customers literally crowd Toad Lane at 
 night, swarming like bees to every counter. 
 The industrial districts of England have not 
 such another sight as the Rochdale Coopera- 
 tive Store on Saturday night. Since the dls- 
 fraceful failure of the Rochdale Savings Bank 
 n 18W, the Society's Store has become the vir- 
 tual Savings Jdank of the place." 
 
 And again (page 474) : 
 
 " It is hardly possible to take any but a hope- 
 All view of the prospects of mankind, when in 
 the two leading countries of the world the ob* 
 scure d pths of society contain simple work- 
 ingmen whoe3 integrity, good sense, self- 
 
 command, and honorable confluence in one 
 another have enabled them to carry these 
 noble experiments to the triumphant iuue 
 which the foe s recoided in the preceding 
 
 I pages attest. 
 
 "Prom the progressive advance of the co- 
 operative moment, a great increase may be 
 looked for even in the aggregate productive* 
 nesR of induHtry. The sources of the Increase 
 are two.fold. In the flrst place, the ola^s of 
 mere dtntributorsi who are not producers but 
 auxiliaries of production, a' d wtiose inordin. 
 ate numbers, far more than the gains of cap|. 
 talistH, are the caune why so great a portion of 
 
 I the wealth produced does not reach the pro. 
 
 I ducers— will be reduced to more modest dimen* 
 
 I slons. Distributors dllTer from producers in 
 this, that when producers Incrt-ase, even 
 though in any given department of Industry 
 
 1 thej- may t>e too numerous, they actually pro- 
 
 I duce more: but the multiplication of dislribu. 
 tors does not make more distribution to bo 
 
 I dune, more wealth to be distributed ; it does 
 but divide the same work among a greater 
 number of persons, seldom even cheapening 
 the process. By limiting the distributors to 
 
 i the number really required for making the 
 commodities accessible to the consumerH— 
 
 ' which Is the direct effect of the co-operative 
 
 ' system— a Vast number of hands will b-* m-t 
 free for production, and the capital which 
 feeds and the gains which remunerate them 
 will bi applied to feed and remunerate pro- 
 ducers. Tnisgre>tt econf>my of the world's re- 
 sources would oe realized, even it co-operation 
 stopped at associations for purchase and con- 
 sumption, without extending to product ion." 
 " Of all the agencies which are at work to 
 elevate those who labour with their hands, and 
 
 ftbysical condition, in social dignity and In 
 hose moral and intellectual quaMties on which 
 both the others are ultimately dependent, 
 there is none so promising as the present co- 
 operative moment. 
 
 " Though I fttrctaw when H wa» onlv a pro- 
 ject, itag-eat advantages ; its miccess has thut 
 far exceeded my moat aanguine expectationi, 
 and every year adda atrength t> my conviction 
 of the salutary influence it ia likely to ererciae 
 over the deatiniea of thia aid ofier countriea. " 
 
 At page 472 he also quotes from Mr. 
 Holyoake's « Self-Help " : - 
 
 " • But it is not the brilliancy of com-nercial 
 activity in which either writer or reader will 
 take the deepest interest; it Is in the new and 
 improved spirit animating this Intercourse of 
 trad<4. Buyer and seller meet as friends ; there 
 is no overreaching on one side, and no suspi- 
 cion on the other. • * • • These crowds of 
 humble worklngmen. who never knew before 
 when they put good food in their mouths, 
 whose every dinner was adulterated, wbo-e 
 shoes let in the water a month too soon, whose 
 waistcoats shone with devil's-du^t, and whose 
 wives wore calico that would not wash, now 
 buy In the markets like millionaires, and as 
 far as purenessof food goes, live lUe lords > 
 Far better, probably, in that particular ; for 
 assuredly lords are not the customers least 
 cheated, In the pi-esantrace of dishonest com- 
 petition. ' They ara weaving their own stufft, 
 making their own shoes, sowing their own 
 
 garments, and grinding their own corn They 
 uy the purest sugar and the best tea, and 
 grind their own coffee. They slaughter t»ielr 
 own cattle, and the finest beasts of the land 
 waddle down the streets of Rochdale for the 
 
•onBomptloD of flaniMl-w«»ver«ftnd«obbteni. 
 (liMt yMur th* Boelaty •dvartlMd for a provi- 
 sion vs^ni to make purohasM In Ireland, and 
 todevola hit wbole Umtto that duly.) whon 
 did oompetltlon give pcx>r men thee* advaat- 
 
 aoMf And will any man lay that the moral 
 oharaater of tbwe people 1h not Improved un- 
 der theee InflaencciT The teetofUermf Roeh- 
 
 ftalt tuknowledge that the Store ha* made 
 more tober men ainee it eommenoed than all 
 tKHr *Jtort» have been able to make in the 
 eame time. Huabandswho never knew what 
 It was to be out of debt, and poor wtveewho 
 during forty yearn never had Mlxpence unoon- 
 demned In their rooketi, now poM4a« little 
 store* of money aufllclent to build them oot- 
 tagea, and to go every week into their own mar- 
 ket with money ilngllnir In their pookets; and 
 In that market there Is no dUtrust and no de- 
 ception ; there !■ no adulteration and no sec- 
 ond prloea The whole atmosphere Is honest. 
 Those who servci neither hurry, flnesae, nor 
 flatter. Thev have no interest in chicnnerp. 
 They have but one dalv lo perform— that of 
 giving fair measure, full weight, and a pure 
 article In other parts of the town, where 
 competition I3 the principle of trade, all the 
 preaching In Rochdale cannot produce moral 
 eflteota like these.'" 
 
 I purpose forwarding you (in conclusion) 
 Home particulars respecting the ordinary 
 societys eBtablisbed in London and the Pro 
 vinces, and remain, 8ir, 
 
 Yours respectfully, 
 
 WILLIAM P. LOCKWOOD, 
 
 181 8t. James Street, 
 Montreal, Slst March, 1881. 
 
 CO-OPERATIVE SOCIETIES. 
 
 TO THE EDITOR OF THE GAZETTE. 
 
 Sir, — "^ le Rochdale Pioneers are entitled 
 to the credit of having established the popu- 
 lar form of co.«peration in England. When 
 the society was ft^irly established and its 
 successful operation assured, other associa- 
 tions were formed in all parts of the coun- 
 try; many of |;hem have made rapid progress 
 and do a large business. Since the iestablish- 
 ment of co-operative wholesale societies, co- 
 operative stores in siQall as well large towns 
 •'id villages have been equally successful. 
 Seventy societies selected from those making 
 returns to the Government in 1879 give 
 members 202,490, and have capital £2,581,- 
 601 ; they received for goods sold daring the 
 year £8,090,160 ; they paid 5 per cent, inter- 
 est on their share capital, and in addition 
 divided amongst the members as profit on I 
 
 the year's business £683,401 ; they bad also 
 invested, in induHtrial and joint stock com- 
 panies £708,552. 
 
 The following list shows the adaptability 
 of the system to town or country :^- 
 
 Mombcrs. Sales. 
 £ 
 
 Manchester Equitable 10.112 208,517 
 
 I^edH 17,174 S60.650 
 
 Halifax 6,689 1W,866 
 
 Bacup 8,0U5 li0996 
 
 Barnsley M75 163,7» 
 
 Oldham EqulUble... 5,(j22 141,076 
 
 Oldham Indastilal... 7,229 261,818 
 
 Hunderland 2,161 fia.174 
 
 Uuteshcad 8,M9 197,0U8 
 
 L-ven, Vale of 1,810 36.980 
 
 Langholm 888 11,000 
 
 Leith 116 1,9T1 
 
 MIddlestown 07 5J213 
 
 Orange Moor 61 2,386 
 
 Profits. 
 £ 
 20,501 
 37,066 
 14,013 
 18,937 
 15,251 
 21,937 
 48,960 
 6,980 
 17,003 
 
 4,.<m 
 
 1,580 
 402 
 638 
 334 
 
 Extract from the New York Daily Tribune, 
 Nov. 5th, 1880:— Thos. Hug es. Esq , Q.C., 
 on Co-operation — 
 
 * * * "I may add as another striking il- 
 lustration of the intluence of the movement 
 on tho habits ol the people as regards fore- 
 thought and thrift,, that during the past few 
 years no less a proportion than 60 per cent, 
 of the large profits made by the individual 
 societies have been left in them for re-in- 
 vestment. As an illustration of the method 
 in which the co-operative store works, and 
 the benefits which it confers, almost without 
 effort, in England, upon its members, I may 
 instaoce the declaration made at the recent 
 Co-operative Congress by Dr. Watts, of Man- 
 chester, one of the oldest aod staunchest 
 English co-operators: 
 
 « ' My experience has beeq,' he said, < that 
 our system of co-operation is literally a 
 creation. It makes, something out of 
 nothing, without work or effort or sacrifice 
 on the part of members. In 1860 I joined 
 tho Manchester Equitable, paying a single 
 pound for my share. In 1870 1 wanted 
 money. I had withdrawn no dividend up to 
 that time, but a very small portion of the 
 wants of my ''amily had been supplied from 
 the store, and when I asked what there was 
 to my credit, I was told that there was up- 
 ward of £53, Which sum I then withdrew. I 
 asked the same question some days ago (in 
 April, 1878), and then found that there was 
 standing to my credit upward of £30, and so 
 far as 1 was concerned that was a creation. 
 I had done nothing for it. I have avoided 
 going to meetings at the store, because I was 
 afraid that my words would pass for more 
 than they were wortii.' " 
 
 .1 
 
9 
 
 
 KOCIITIKH KSTilBLIIHBO ON THB CIVIL BUTIOI 
 PLAN. 
 
 The HUCcesB of societieH workiDg on the 
 Rochdale pisn induced • few clerks in the 
 London General PoHt OfHce to combine add 
 purchase a cheHt of tea at wholeaalo and diTide 
 it amongst themselves at cost price. The 
 experiment was satisfactory, they gradually 
 extended their purchases and in 1 836 formed 
 
 THB CIVIL SIRVICI SUPPLY ASSOCIATION 
 (LIMITEn). 
 
 The objects of the society were that all 
 iiharos should be hold and the business be 
 managed by members of the Civil Service, 
 that by the aid of combined or co-operative 
 capital they should buy the iHMt goods at 
 wholesale prices, and after charging suili- 
 ciout for expenses of distribution and 
 management, sell them to share- 
 holders and members at a small 
 advance for profit ; the chief ob- 
 ject being to obtain better goods at 
 reduced prices, and by so doing reiduco the 
 cost of living, and make their salaries pro- 
 cure for them additional comforts and advan- 
 tages ; their business increased with wonder- 
 ful rapidity. They sold in 
 
 1867 £ 21.822 
 
 1808. 83.406 
 
 1869 218.242 
 
 1870 .345,888 
 
 1871 492,418 
 
 1872. 625.305 
 
 1878. 712M 
 
 1874 819,427 
 
 1876 806094 
 
 1876. 953,197 
 
 1883. about 1,500,1(00 
 
 In 1880 the number of shareholders was 
 4,424; the number of shares issued, 5,021; 
 the amount paid on each share ten shillings 
 The original shareholders, instead of 
 increasing their Khare capital, allowed the 
 i^^rofits to accumulate until they had a suf- 
 ficient capital for trade purposes, placing to 
 the credit of each share the amount that 
 would have been payable for dividend. The 
 business was increased by issuing tickets to 
 members, giving them the privilege to pur- 
 chase at the stores on paying about one dol- 
 lar a year ; the amount reserved for profit is 
 about 1^ per cent on the sales after paying 
 all expenses ; although the share capital is 
 small, their assets or accumulated profits are 
 about £370,000. 
 
 THK CIVIL 8RRV1CB CO-OPBBATIVB BOCIBTY. 
 
 The Saturday Review designates this So- 
 ciety as « the most eminent qf Us kind," and, 
 speaking of its origin, says :— 
 
 "Periodicals and pamplets published in 
 
 London had olt told the marvellous story of 
 co-operativo profits in the North of England. 
 John Htuart Mill in his < People's Edition of 
 Political Economy,' had borne powerful tes- 
 timony to its signii^cance ; competition was 
 held to be the parent of all the advantages of 
 the market, but the excesses of tradesmen's 
 bills were felt to bo a great price to pay for 
 them, and eminent members of the Civil 
 Service at length agreed to join the revolt 
 against them. 
 
 '* Ultimately, a board of directors was 
 formed from each of the departments of the 
 Crown. 
 
 " It was agreed to commence with a capi- 
 tal of £6,000 in £5 shnroH. Purchasing mem- 
 bers were required to pay a fee of Ss annu- 
 ally for tickets not transferable, giving the 
 power of buying at the store. The new 
 Society was opened in the Haymarket by 
 officials of the higher State Departments, who 
 were joined in their rebellion by members in 
 every branch in the Service — Home, Colo- 
 nial and Foreign, by Peers, Members of Par- 
 liament, Bishops, Judges, Colonial Qorer- 
 nors, Foreign Consuls, and other high Qov- 
 ernment officials, who had never before re- 
 garded co-operation otherwise than as the 
 ignorant dream of dangerous visionaries ; 
 this Society has its Physicians, Surgeons, 
 Apothecaries, Solicitors, Stockbrokers, — all 
 of whom are well known in London as men 
 of good standit g in their several professions ; 
 they have about 1 2,000 members ; the annual 
 sales are about £560,000. 
 
 The succens of two Civil Service Co- 
 operative Societies in London is shown by 
 the following extracts from the Pall Mall 
 Gazette July 23rd, 1879 :— 
 
 "CO-OPKRATIVK STORES. 
 
 " Mr. Charles J. Cox, one of the Directors of 
 the Civil. Bbrvicb Co-opbbativb bocibty 
 (Limited), la the Haymarket, was examined. 
 He stated, in reply to Mr. Alundella, 
 
 "That the original share capital in bis Bo- 
 clety, for which £2 was paid, was now worth 
 £T7 to £100. 
 
 "Since 1866 bonuses amountlnR to £75 had 
 been paid on each of these shares." 
 
 " CIVIL 8BBVICB SUPPLY ASSOCIATION. 
 
 ••In the lai^t report of this Society it is 
 stated: * For the year ending December Slst, 
 1878, £7 88. 7d. has been placed to the credit of 
 each Shareholder.' 
 
 "The amount, including capital and inter- 
 est, Stan ling to the credit of each Shareholder 
 was £32 Ss. lOd. (These shares sell readily for 
 about £56, the original cost being only 10 shil- 
 lings each.) The net profit for 1878 was : 
 
 Halfyear ending June £17.670 17 7 
 
 " " December 14,028 
 
 Total for the year... £82.498 17 7 
 
10 
 
 THI ARMY AND NAVY GO-OPBRATIVB SOCIBTY 
 (UMITRO). 
 
 is the best known, and most popular with 
 CANADIAN FAMiLiBB visiting London. Their 
 sales in 1880 amounted to more than nine 
 MILLIONS OF DOLLARS ; after paying all expen 
 ses they retain about four pence in the pound 
 for profit, and any increase in profit is met by 
 a reduction in the price of goods. Their share 
 capital is about i;60,000 in shares ofXi each ; 
 the present price is about £3 15s per share. 
 Their business premises are about to be 
 largely extended. 
 
 THE JDNIOR ARMY AND NAVY STORES (LIMITED). 
 
 Waterloo Place, London, established <n 1879, 
 show by their published returns how 
 rapidly shareholders and the sale of goods 
 increase when business is commenced ; in 
 1880, they obtained new shareholders and 
 members as follows:— January, 562; Febru- 
 ary, 650 ; March, 701 ; April, 788 ; May, 870. 
 Total for five months, 3,571. Amount oj sales 
 per annum ; at the rate for January, jC90,000 ; 
 February, £110,000 ; March, £156,000 ; April, 
 £195,000 ; May, £250,000 hterling. I ^n- 
 cember their members had increased to auout 
 14,000. 
 
 The £l shares, in this Company, were 
 issued at 5s, lOs^ 15s, and the last issue at 20s 
 per share premium. 
 
 These stores fairly represent the civil ser- 
 vice plan of business ; its merits are fully 
 appreciated. 
 
 The members who purchase at the stores 
 are firm supporters of the system, always 
 ready to explain to their friends the advan- 
 tages they obtain by procuring the finest 
 goods at wholesale or co-operative prices. 
 
 I am, sir, yours respectfully, 
 
 WILLIAM P. LOCKWCOD. 
 
 Albert Buildings, Montreal. 
 Aprill 2th, 1881. 
 
 } 
 
 THE SHOFPEBS' BEBELLION. 
 
 Shops there will be, and shopmen and 
 shoppers, till the end of time. The relations 
 of these last two have never been wholly 
 happy, and changes have been attempted 
 from time to time, and a still greater and 
 more radical change seems to be in the near 
 future. Neither the purchaser nor the dealer 
 is quite satisfied with the present status, and 
 
 it may be worth the while to examine, from 
 the shopper's point of view, a commercial re- 
 volution that seems to be impending. 
 
 Many years ago, a fdw ill-paid clerks in the 
 London General Postoffice said among tbem- 
 selves that the ways of the average tea-man 
 were grievous ; so every man put his shil- 
 ling into a fund, and they bought a chest of 
 tea of the wholesale dealer. They met '< after 
 hours,'' and, with honest scales, weighed 
 out pounds of tea. They knew just what 
 they g.»t, and they got it without misrepre- 
 sentation, adulteration, or teasing solicita- 
 tion to buy, and, withal, in happy escape 
 from bills and all the woes that from them 
 flow. They hid the tea-chests under the 
 post-office stairs, and sold the tea to each 
 other at just what it cost. 8o cheering were 
 the cups brewed from that tea that the clerks 
 decided to purchase more ; but the authori- 
 ties tumbled the tea-chest into the street, 
 and forbade such dealings within the sacred 
 walls of Her Majesty's post ; so the clerks 
 had no resource but to set up a little store 
 fir themselves, which soon became known 
 as the «• Post office store." This was 
 one beginning of the shoppers' rebellion. 
 
 Far away from London, in the once love- 
 ly dale of the Roch, there were certain 
 flannel weavers, who also felt aggrieved with 
 the shopmen. They, too, combined, and put 
 in, with almost heart-breaking bitintings 
 and denials, tbeir hard-won pennies, and, 
 amid jeers and insults from their fellows, 
 opened a pitiful little shop in Toad lane, 
 Rochdale. They bought and sold to them- 
 selves flour, tea and sugar, and with the 
 money saved staved off the pawn-shop and 
 thj work-house. This was the second be- 
 ginning of the shoppers' rebellion. In 
 point of time it was the first ; but this is 
 immaterial now. The fact remains that the 
 Civil Service stores of London and the 
 Equitable Pioneers, and their vast following, 
 have at last joined hands, and the retail 
 business world, both of this country and 
 Great Britain, have to face and solve a great 
 social and commercial question. The shop> 
 men and the co-operators may be trusted to 
 settle their diiferences between themselves ; 
 but the shoppers, the buyers, the great public 
 that supports the stores of every kind, na- 
 turally asks in what way itis to be benefited. 
 Shall it welcome the Civil Service store, the 
 co-operator's flour mill and bakery, or take 
 the shopman's advice, and crush the whole 
 scheme before it does any further harm — to 
 the shopman ? 
 Once upon a time a certain noble English 
 

 11 
 
 lord wished to buy an envelope, and he en- 
 tered a stationer's shop and laid down a 
 penny for one. The shop girl gave him the 
 envelope and kept the penny, whereupon 
 his lordship upbraided her and demanded the 
 half penny change. The time was, but is not 
 now, when the average American 
 would have looked upon such an 
 incident with amused contempt. He has 
 ot late grown wiser, and sees that Lis lord- 
 ship was right. Extortion is extortion, be 
 it iu ha'pence or dollars. Now, when the 
 American goes to London, he beseiges the 
 doors of the Civil Service Store in persis- 
 tent and frantic chase after its wonoerful 
 bargains. He, too, has a soul not above ha'- 
 pence. 
 
 Number 117 Victoria street, Westminster, 
 S.W., looks very much like a club-house. 
 It is, however, a shop — in fact, a huge 
 aggregation of shops, under one pMatial 
 roof and one management — that of the 
 Army and Navy Co-operative Society, Vic- 
 toria street. This is the Bon Marche, the 
 idealized "Macy's," of London, concerning 
 which the American girl writes home, and 
 which she tries by all her arts to enter. 
 Sometimes she succeeds, and obtains the cov- 
 eted right to trade at the great warehouse. 
 Though young in years, she is a venerable 
 shopper ; she has shopped at Waaamaker's, 
 at Stewart's, at Jordan & Marsh's, and at the 
 Ban March6, and she is under the impression 
 that she cannot be taught much in that di- 
 rection. The hurley lackey who opens the 
 stately doors receives her with dignity, and 
 the wonderful vision opens wide on every 
 side. She had great expect itions, but they 
 are here surpassed. Around, on every side, 
 below, above, are shops in bewildering va- 
 riety. Everywhere she sees an eiegantly 
 dressed crowd, intent on bargains. There is 
 a table and writing materials, and thick 
 books of reference. These are the price lists, 
 and she consults the maps of the floors to see 
 where the various departments are located. 
 No lofty-minded floor-walker annoys her 
 with impertinent advice. The vasping voice 
 of the cash-girl is nowhere heard. Nobody 
 asks her to buy. There is one price for all, 
 cash down, and as for bargains — their like is 
 not known in Regent street or Broadway. 
 
 This Army and Navy Co-operative Society 
 is now only one of a number of great aggre- 
 gations of stores in London, and these are 
 only half of one per cent, of the great multi- 
 tude of co-operative stores in Great Britain. 
 The society consists of several thousand per- 
 sons, all more or less connected with Her 
 
 Majesty's army and navy, and each of these 
 officers, or offijers' widows or children, 
 owns one or more one-pound shares 
 in its enormous capital. The aim of 
 this society is simply and wholly to 
 sell to its own members good and fine 
 groceries, teas, furniture, dry goods, and 
 what not, at the lowest possible cost. From 
 the money taken at the counter, rent, wages, 
 working expenses, and interest on capital 
 are paid. If there is a little profit besides,, 
 this, too, is divided, but the aim is at all 
 times to sell cheap. If the profits increase 
 the prices are lowered, and thus the seller is 
 literally "barred from gain." Everything i» 
 arranged to give the member the bargain. 
 This society is founded upon what is known 
 as the << Civil Service Flan," and its aim is to 
 save the purchaser and member the profits 
 ordinarily taken by the retail dealer.Tbe other 
 co-operative societies, working under what 
 is called the << Rochdale Plan," sell to their 
 members at the regular market rates, and at 
 the end of each quarter return to the pur- 
 chaser a dividend in cash on the business he 
 brings to the store. It is estimated that one- 
 twentieth of the entire population of England 
 now purchase their daily bread and get their 
 shoes, hats and clothing at the co-operative 
 bakery, flour-mill, and retail store. Half a 
 million people have already joined the shop- 
 pers' rebellion, and month by month sees 
 their numbers increase by thousands. 
 
 Tu give an idea of the magnitude of these 
 associations, it may be briefly noticed that 
 their balance sheets can be easily obtained,^ 
 and all may read of their actual work and 
 financial position. From late reports, it ap- 
 pears the Army and Navy Society sold goods 
 during the half year ending September, 1880, 
 to the value of £939,266 17s., while its total 
 income from all sources was £940,403 Is. 
 lid., this being an increase of £47,938 over 
 the business of the same period of tte year 
 before. The net profits, after paying working 
 expenses, interests on deposits, etc., amount- 
 ed to £16,766 13s. 5d., this being a net profit 
 on sales of less than fourpence in the pound. 
 The number of shareholders is given in the 
 report at 13,685, life members 4,961, annual 
 subscribers 17,971. The assets of the society 
 in cash, building, stock, etc., were placed at 
 £430,959 lis. 3d. 
 
 The Civil Service Co-operative Society, in 
 its fourteenth annual statement, gives its 
 sales at £514,143 148. lOd. Its membership 
 is put down at about 12,000. 
 
 The Civil Service Supply Association, in 
 its half-yearly report of June 30, 1879, gives 
 
12 
 
 the Dumber of members holding shares at 
 4,374. It issued tickets to subscribers to the 
 number of 28,834. Its sales for the six 
 months reached £706,256 9s 9j^d, the net 
 protit for the half year being £8,198 17s 7|d. 
 Its assets are put down at £367,575 4s 4d. 
 
 A new society, designed to supply ladies' 
 dress goods and wearing apparel of all kinds, 
 called the Ladies' Dress Association, has 
 made very rapid progress within the past 
 two years, and from its report for August, 
 1879, claims a membership of 4,411. Its 
 sales in fourteen months reached £93,953 
 12s 3d, this being an increase of over eighty- 
 three per cent, over the same time a year be- 
 fore. Since that report its business has 
 greatly increased. A society on the same 
 plan is in contemplation in New York, and 
 will, no doubt, soon be ready for business. 
 
 Naturally, it is now asked why this rebel- 
 lion began, who is to blame for it, and what 
 is to be the end of it all ? Moreover, it has 
 •extended to this country, and seems likely to 
 reach greater dimensions here than abroad. 
 These questions are not British alone — they 
 are international. The British shopman i 
 chiefly, and the American retailer in a lesser 
 ■degree, are alone to blame. 
 
 In the first place, there are too many shop- 
 men. This has resulted in a great number 
 of small stocks in many little stores, with 
 the ccmsequent increased rent, insurance, 
 labor, advertising, waste and inconvenience, 
 all of which the dealer must offset by 
 charging higher prices. Secondly, these 
 stores have given credit, which implies 
 book-keeping, the expense of collections, 
 and the loss of bad debts, for all of which 
 the consumer must pay in higher prices. 
 Thirdly, there has been misrepresentation 
 and adulteration, which quite naturally has 
 alienated what little regard the buyer may 
 have had for the dealer. Lastly, the British 
 shopman, if not his cousin, has been unplea- 
 
 santly insistent on a purchase, and has had 
 two prices. 
 
 The co-operator seeks to remedy all this 
 by massing many stores under one roof, by 
 reducing the labor of distribution, and by 
 insisting on cash payment. Happily, the 
 American dealer has scented the coming 
 conflict from afar, and is trying to forestall 
 the complaints of the shopper. There is an 
 evident disposition to merge many small 
 stores into one, and thus reduce rent, labor, 
 insurance, snd to save time and trouble gen- 
 erally. In such bazaars, lower prices are 
 quite possible, as the shopping public has 
 already learned. The one- price system is 
 peculiarly American, and needs no comment. 
 Cash is getting to be the general rule in 
 large cities, and it should be insisted upon 
 everywhere. Why should the buyer, with 
 money in hand, be forced to pay more to 
 compensate the foolish dealer for the faults 
 of a purchaser who can not or will not pay 
 his debts ? 
 
 It seems to be recogniz3d that the co- 
 operative store, on either the Rochdale plan 
 (which seems to be the best) or the Civil 
 Service system, is destined to get and keep a 
 firm foothold in this country. Once started, 
 it will grow with ten times the speed of its 
 sturdy British predecessor. Only the dis- 
 honesty, ignorance and want of method of 
 those who have hitherto attempted such ex- 
 periments have stood in the way. Now it is 
 understood, and, in new hands, it is plain 
 that it will command the respectful attention 
 of the shopping world. Whether the co-oper- 
 htive stores grow fast or slow, one thing is 
 certain : the retail trade will be greatly mo- 
 dified and greatly improved, both by the 
 force of necessity and example. Whatever 
 happens, the shoppers will gain, and their 
 vigorous rebellion will be of the greatest 
 benefit to all concerned. — Scribner/or April. 
 
 .f-,v'? •: 
 
 ,,1, 
 
 i; ■■ist 
 
T 
 
 «' : 
 
 f.' « 
 
 Bir-iL.^-w^s 
 
 ■■»«■; 
 
 OF THl 
 
 CANADA CO-OPERATIVE SUPPLY ASSOCIATION. 
 
 .'> 5iV' 
 
 (LIMITED.) 
 
 • t -J 
 
 1 . A general meetlDg of the shareholders shall be held at head-office of the A ssocia- ^ 
 tion, on the second JMMi^r in May in each year, after the year 1881, for the purpose of ^ 
 hearing the report of the Directors for the year ending the Slst day of March, next 
 preceeding the day of such general meeting, for the election of Directors for the next ensuing 
 year, and for all other goieral purposes relating to the management of the Association. 
 At each such general meeting full statements of the affairs of the Association rhall be 
 submitted. Twenty-one days notice of such general mooting shall begiven in at least 
 two newspapers publisbed in the city of ^ntreal, and a printed notice thereof sitall be 
 sent to each shareholder. Atf^ft i -t^-^ ^ j^ifc ^^w^- •t^-*»A.-e^ r^ <n^*^ 
 
 2. Aioy shareholder holding not less than twenty-five shares, and not in arrears for 
 payments thereon, shall be eligible to be elected as a Director. 
 
 3. A special general meeting of shareholders nuy be called by the Directors at any 
 time they deem it necessary, and it shall be incumbent on the Directors to call a special 
 general meeting of the shareholders when requested to do so, in writing, by one-fourth part 
 in value of the shareholders of the Company, for the transaction of any business specified in 
 such requisition, notice of which special meeting shall be given in the same manner as 
 for an ordinary general meeting. 
 
 4. The number of Directors shall be nine ; the quorum requisite for the tmnsaction 
 of business shall be five ; the Directors shall meet at such time and place as they shall 
 think fit : two directors may at any time call a meeting of the Directors. In case of a 
 vacancy occuring in the Board, it shall be the duty ot the remaining Directors to fill 
 such vacancy forthwith. 
 
 5. The President and Vice-Prehident shall be chosen by the Directors from amongst 
 themselves at the first meeting following the annual meeting of shareholders. The Presi- 
 dent, or, in his absence, the Vice-President, or one of the Directors, shall preside at all 
 meetings of the shareholders or oi the Directors, and all votes thereof shall be taken by 
 ballot, when demanded by any shareholder present ; but if not so demanded, rotes thall be 
 taken in the usual way, by assent or dissent. In case of an equality, the President 
 shall have a casting vote at all meetings, apart from hie own vote as a shareholder or 
 Director. Shareholders may vote by proxy (but no such proxy shall be held by other 
 than a shareholder), provided the authority for the purpose be given to Miother share- 
 holder in proper form, and deposited with the Secretary of the Com|>aQy at least twenty- 
 four Iwnrs previous to the meeting at whioh such proxy is to be used, and not otiier> 
 wise, and no i>aid employee shall be eligible to hold a proxy ; such proxy iball be in the 
 following form : — 
 
 '-«^ 
 
14 
 
 THE CANADA CO-OPERATIVE SUPPLY ASSOCIATION, LIMITED. , 
 
 '* I, of hereby appoint of 
 
 a shareholder in the Canada Co-Operative Supply Assdcia- 
 tion, Limited, to represent me by proxy, and to vote and act for me at all meetings of this 
 Company, and in my name to do all things with regard to the business of the Company 
 in my utoad that I might legally do if personally present, ^^tttff^ /If^'^^^^tj^ 0f*4r9^dit 
 
 «' Witness my hand this day of 188 •" 
 
 6. The duty of the President shall bo to prewde, if present, at all meetings of the 
 Directors, call meetings of the Directors and shnrcholders, sign lecords of proceedings, 
 advise with and render such assistance to the Manager and other officers of the Company 
 as may be within his power. 
 
 7. In the abwmce of the President, the Vice-President shall have and exercise all 
 the rights and powers of the President ; in the absence of botK*?tom a meeting of Direc- 
 tors, one of the Directors shall be appointed to act. 
 
 8. The Directors, shall be elected annually. 
 
 9. Calls upon the subscribed capital stock of the Company shall be made at such times 
 and in such manner and amount as the Directors may determine. 
 
 1 0. Certificates of stock shall have the seal of the Company, the signature of the 
 Secretary and of the President, or of one of the Directors and the Secretary. 
 
 11. The Directors shall have a general power to make rules and regulations for 
 the iotsHMi management of the association, to name, appoint and determine the duties 
 and Femuneration of the officers of the Association, and the security to be given by 
 them respectively ; awd t h e Q e n e wl M ai t a gt t v t ^ r wmtv t a m y b e Directors, peeelviag-fto 
 rew iw s w i ti a n fo> thci> ■ owrio ss a o s wuh in additioa to th«ir salaxies as Qenctal Mnrtng a r nad 
 TM as m > o» > sa poa i i¥ e ly ; < >h leb gbalt \% fiatedjutd. paid Hi tihft fiirfirt^ri majr datnraiiap. 
 The Directors of the Company shall have full power to allot the stock of the said 
 Company, and to issue certificates therefor, in such manner and form or at such times 
 as they, by resolution, may decide. 
 
 12. The Directors shall have power to make such payments and allowances, in respect 
 of services and expenses preliminary to the formation of the Company, as in their judg- 
 ment they may thinK proper. 
 
 13. The Directors shall have power to refuse or grant tickets to proposed members, 
 and the right to cancel ordinary member's tickets at any time, on returning to such member 
 the amount paid on such ticket, or the proportionate amount due for the unexpired term 
 t)f such ticket ; the Directors shall also have the right of regulating the delivery or allow- 
 ance for carriage of goods to ordinary members. 
 
 14. All shareholders shall be members of the Company, entitled fo have one vote 
 for every share held by them, as prescribed by the Act, but no shareholder shall vote on 
 any stock on which he or she is in arrear for any call or payment. 
 
 15. If any call on any share is not paid on the day appointed for the payment 
 thereof, the Directors may at any time thereafter during such time as the call remains 
 xinpaid; serve a notice on the holder of the share for the time being, by mailing the same 
 registered to his address as registered in the register of shares, requiring him to pay the 
 same within fifteen days from the date of said notice, and at a place to be thereby 
 indicated, together with interest and any expenses that may have been incurred by reason 
 of the non-payment. If the requirements of such notice are not complied with,' any share In 
 
15 
 
 "1 
 
 respect of which it was given may at any time thereafter bo forfeited by a rcHoIution of 
 the Directors to thxt effect, and shall be cancelled, held unextinguished, re-issued or 
 diitposed of in such manner as the Directors think fit, and the proceeds thereof, if Hold, 
 be deemed the property of the Company. Any member whose shares have been forfeited 
 shall, notwithstanding, be liable to pay to the Company M calls due on such shares at 
 the time of the forfeiture, and the interest (if any) therco>i. 
 
 16. That it shall be the duty of the Diroctore to cause an inventory of btoctc to be 
 taken, at least, twice in each year. 
 
 17. The appointment and remuneration of the first auditor shall be ftxed by the Diroc- 
 tors, subsequent auditors shall be appuinted annually by the shareholders, and his d uty i4> ^-H^ 
 shall be to examiner and audit the books and accounts of the Company, MStFfmpnpm ct*./4Jhu 
 balance sheet and abstracts of the Company's affairn, and such semi-annual balance I*. /^£^ 
 sheet and abstracts shall appear on the books and be opened for the perusal of any stock- j,/**^ 
 holder upon request at least seven days before the general meeting of the Company. ^^ ^ Aft^ 
 
 18. All goods shall be sold for cash, and no servant or employee of the Company 
 shall deliver any goods until paid for. 
 
 19 Transfers ot stock shall be made on the books of the Company in the presence of 
 the Secretary, Treasurer or other authorized oflBccr of the Company, either by the holder 
 in person or by attorney, and *imt> no stock shall be transferred until all calls therrou shall 
 have been duly paid. 
 
 20. Powers of attorney for the transfer, purchase or sale of stock, or the receipt of 
 dividends, &c., shall be in the following form : — 
 
 (Form of Power of Attornby.) 
 
 Enow all men by these presentn, that I, of do make, 
 
 ■constitute and appoint my true and lawful Attorney for me, and in my 
 
 name and on my behalf, to purchase and receive, or sell, assign and transfer all or 
 -any part, interest or share, of the capital stock of the Canada Co-operative Supply 
 Association (Limited), to me belonging, or standing in my name, to receive the considera- 
 tion therefor, and give receipt or receipts for the same ; to accept all transfers that now 
 or hereafter may be made unto me ; to receive and give receipts for dividends that now are 
 -or shall hereafter become due to me from time to time ; and, generally, to do all lawful acts 
 requisite for effecting the premises, hereby ratifying and confirming all that my said 
 Attorney shall do herein. 
 
 In witness whereof, I have hereunto set my hand and seal, at 
 this day of 188 
 
 Signed and sealed in the presence of t 
 
 21. The seal lwwt»wiflhi wd b >w U b t i t h a se ul ^'HW#wy— y. Whenever used it shall 
 require the authentication of the Secretary and President or one of the Directors, or of 
 two of the Directors in the absence of the Secretary. 
 
 22. The Directors shall be entitled to set apart and receive for their remuneration in 
 every year such sum as shall be from time to time determined by any general meeting, 
 and such sum shall be divided among the Directors in such manner as they from time to 
 time shall determine, oul i j si> *• 4h»HW»t»totiM>i<ia»toina<Lia»alMMflJtoiiitA»» 
 
KJ 
 
 16 
 
 23. The TroMurer shall have the custody of the funds of the Association until the same 
 shall be divided or appropriated l>y the Directors. He shall nmke his deposits in such 
 bank, banks or other places of aeouiity as the Directors shall appoint, and his bank 
 account shall be kept in the namo oi thu ^' >mpany, a 'd all cheques be signed by him as 
 Treasurer and countersigned by the President or one of the Directors ; in the absence of 
 the Treasurer, cheques may bo sign 3d by the President and one other Director or by two 
 Directors, or in such other manner as the Directors may from time to time appoint. The 
 Treasurer shall sign receipts for all moneys which may come into his hands ; he shall 
 keep proper books of account for the business ol the Company, and shall render a full and 
 particular statement of his cash account, accompanied with vouchers, when required to 
 do so by the Directors. 
 
 24. £very accoant and balance sheet, when approved by an ordinary general meeting, 
 shall be conclusive, unless any error be discovered ; after discovery of such error, the next 
 ordinary general meeting, shall have the power to correct such balance sheet or account,, 
 which shall thenceforth be conclusive. 
 
 Albirt Bdildinos, 
 MoNTRSAL, April, 1881. 
 
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