IMAGE EVALUATION TEST TARGET (MT-S) «) ^ ^/ /. « » 1.0 I.I lam IL^ i 1.4 25 2.2 1.6 ^>' ^.'*- \ A Fhotpgraphir _Sciaices "^ " Corporation ^ s ^ \ « MIST MAIN STRieT WI9STH,N.Y. I45S0 (7I6)«72-4S03 ^ ■^- > CIHM Microfiche Series (l\/lonographs) ICIMH Collection de microfiches (monographies) Canadian Institute for Historicai IMicroroproductions / Inttitut Canadian da microreproductions historiquas ;V Technical and Bibliographic Notes / Notes techr The Institute has attempted to obtain the best original copy available for filming. Features of this co);>y 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. □ Cjoloured covers/ Couverture de couleur Covers damaged/ Couverture endommagie D D □ Cover title Le titre de D Covers restored and/or laminated/ Couverture restaurie et/ou pellicula missing/ couverture manque Coloured maps/ Cartes giographiques en coulAur □ Coloured ink (i.e. other than blue or black)/ Encre de ( I couleur (i.e. autre que bleue ou noire) Coloured plates and/or illustrations/ Planches et/ou»illustrations en couleur 1 Bound with other material/ Relie avec d'autres documents Tight binding may cause shadows or distortion along interior margin/ La reliure serrte peut causer de I'ombre ou de la distorsion le long de la marge interieure Blank leaves added during restoration may appear within the text. Whenever possible, these have been omitted from filming/ II se peut que certaines pages blanches ajout^ lors d'une restauration apparaissent dans le texte, mais, lorsque cela itait poiiible. ces pages n'ont pas eti filmies. n Additional comments:/ Commentaires supplimentaires: This item is filmed at the reduction ratio checked below/ Ce document est film^ au taux de rMuction indiqui ci-dess 10X 14X 18X J 22X^ 12X 16X 20X Bibliographic Notes / Notes techniques et bibliographiques L'Institut a microfilm^ le meilleur exemplaire qu'il ' lui a ith possible de se procurer. Les details dq cet exemplaire qui sont peut-4tre uniques du point de vue bibliographique. 1|ui peuvent modifier une image ' reproduite. ou qui peuvent exiger une modification dans la mithode normale de filmage sont indiqufe ci-desspus. □ Coloured pages/ Pages de jpouleur *■ ■ ■ □ Pages damaged/ Pages endommagtes - □ Pages restored and/or laminated/ Pages restaur^s et/ou pellicultes Pages discoloured, stained or foxed/ Pages dteolor^, tacheties ou piquees ' i □ Pages detached/ Pages ditachies 0Showthrough/ Transparence N Quality of print varies/ Qualite in^le de Timpression □ Continuous pagination/ Pagination continue □ Includes index(es)/ Comprend un (des) index Title on header taken from: / Le titre de I'en-tite provient: n D Title page of issue/* Page de titre de la livraison Caption of issue/ Titre de depart de la livraison □ Masthead/ Ge Generique (periodiques) de la liaison J2X^ 26X J0*=. 20X ii- 24 X 28 X 32 X . ./ Th« copy film«d hw has b««n r«produe«d thanks to tha ganarosity of: Library of the National Archives of Canada Th4 imagas appaaring hara ara ttia baat quality posaibia considaring tha condition and lagibility- of tha original copy and in kaaping with tha filming contract apacificationa. Original copias in printad papar covara ara filmad baginning with tha front covar and anding,on tha laat paga wrtth a printad or illustratad impraa- •ion, or tha back covar whan appropriata. All~ othar original copiaa ara filmad baginning on tha first paga with a printad or illustratad impraa- sion, and anding on tha laat paga with a printad or illuatratad imprassion. Tha laat racordad frama on a^h microficha shall contain tha symbol — ^ (moaning "CON- TINUEO"). or tha symbol y (moaning "END"), whichavar applias. Mapa, platas, charts, ate. may ba filmad at diffarant raduction ratios. Thosa too larga to ba antiraly included in ona axpoaura ara filmad baginning in tha uppar laft hand eomar, laft to right and top to bottom, aa many framas as raquirad. Tha following diagrams Hlustrata tha mathod: v_ L'axai ginAr in plus (I da la I confo filmai Laa ai papiai par la darni^ d'impi plat. I origin prami( d'impi ladari ampri Und« darni* cas: l« symbc Las ca filmAs Lorsqi raprod . da I'ar Ntdal d'imafl illustr« * 1 2 *•» 3 -.V ( 1 2 I 4 5 •d thanks V, , / . L'«x«mpl«ir« film* fyt rtproduit grica k la g4n«rosit4 da: I L» bibliothdqua dn Archives nationalM du Canada quality igibility- tha La« imagaa suivantas ont «ti ri(produitas>vac la plua grand soin, compta tanu da la condition at da la nattat* da I'axamplaira film«. at an conformM avac laa eonditiona du conirat da filmaga. ' / rafilmad ig,on I impraa- ». All- I on tha praa* printad ;ha CON- NO"). Laa axamplairaa originaux dont la eouvartura an papiar aat ImprimAa aont fllmia W\ commandant par la pramiar plat at an tarminant aoit par la darnMra paga qui eomporta una amprainta d'impraaslon ou d'iliuatratlon. aoit par la sacond plat, aalon la eaa. Toua las autras axamplairas originaux sont filmAs an commandant par la prami*ra paga qui eomporta una amprainta d'impraaslon ou d'illustration at an tirminant par la darniikra paga qui eomporta una talla amprainta. ' Un das ^mbolaa suivants apparaftra sur la darniira imaga da chaqua mieroficha, salon la cas: la symbols — ^> signifia "A SUIVRE". la aymbola ▼ aignifia "FIN". at I to ba ad aft to aa a tha Laa cartaa. planchaa. tablaaux. ate., pauvant Atra filmAs A daa taux da rMuction diffirants. Lorsqua la documant aat trop grand pour *tra raproduit an un aaul ciich*. 11 aat film* A partir .da I'angia sup4riaur gaucha, da gaucha * droita. ^t da haut an baa. %x% prpnant la nombra d'imagaa n^paasaira. Laa diagrammas suivants illustrant la mithoda. 6 .ii t?> / '/< ;u.". V. '«^. ^1 U - » The 81 oiety is d Statutes I members erection < f-vinRliabili ^; or for otl [';';t>y small thereby e the oivm the owne might otl ht fi^reat | To f ui investinpf or lodged To fun ings by ^ 'dollar or^ K> memb^ her a voi< It is foi M T^workingir ^ ^^ i^Xistedfo 4nown to They\ workingii Ohicagi PhiUdelp Toronto one, Owi Thoi4a«» ada, one The ol liVloerErej retary or \ Eaoh n i*(ribefor \-'' \' ' m: *AS'' l-WW*" i ir>,Kr y^. r3^' The (SKratford BuiMltifr and Sarinffi So- ciety is duly incorporated under the Revised Statutes of OatiiWf cap. 169^ to furnish the members with means for the purchasing or ereotion of buildings or the payment of eipit-. • ing liabilities upon property held by meinbers* or for other purposes, by loans to be repaid t>y small monthly instalments or othet'wise^' thereby encouri^fing each member to becomO' the owner of his or her home and enabling^ the owners of property to retain what they i m^ht otherwise be compelled to dispose of iit fl^reat sactifice. J To furnish a safe* and profitable mode of investinj^ money subscribed by the membeMte or lodged at interest by depositors. 'M To furnish a means of investing smiall sa?- inge by iponthly payments or deposits of one dollar or upwards, which makes the investor A, member of the Society and giv^s him, or her a voice in the management thereof. It is founded upon the principle of the . workingmen's Bu^ijliug Societies which^ have existed lojp nearly a century and, are so* well known i) every Englishman and Canadian. They have provided 100.000 homes for the workingmen of the city of Philadelphia. ^ Chicasto has 300 Societies, Cincinnafti 500, l>hiladelphia 600, Rochester 83, BuflBUo ^lOO, Toronto has 4, Hamilton 2, Peterborough one, Owen Sound one^ OrangeviUe one, St Thomas, Kint3;ston and -other towns in Gan^^: ada, one or more. Tr-^S» t'ffio^ consist of a President, / two _Yic^ re B idei i ti» iiineJ)ireotoro.,4 Hl d a S j» cy e ^,-T retary or Manager. \ Each member of the Sodiety must si^b SQribeforone or mose shares and sign the by- ■^ » ' '~T ,r '. « it A. A V 1^. •-A', «iifnA^r^*^T^^*^ thatipake.it necei, ^ ^?^ I «»«nibera to avatematioally save 4 '^i '^^^l??*'^ each moiai ^hile fcliy ^k # mam mebiben, ;. ^ ^ lio^f'I^V^ *°^®** m«a many 8h*re8 aa > be or ahe desires. ^^ ■ V Of S^S/^r**"' !*^^^ one eiitrtl^^ r The imr v5ue o* each^ -«ilf r?'** n® P»y«^l*\ between th# 20tl|^ and Ikst days k each mon^. > " ^^ *h JJl® ^"® '?^ K? *®?^'* Pn ^^^^'^t^ '<>»^> each share not paid When due. \ Shareholders^ may pay their "psifeicai du w m advancel and interest j wUl bei alio weii on ^e atpount s^ paid, or so touch thereof aa shallremam afteip deducting instaimentsdueA^ - at such rate of interest, not' exceeding fivA percent., as the DJrectoranM^Jrom^ to . time determine. \v J^ Shares may bdl Withdrawn at^ any time, upon notice, and after one year may be with-*, dr^wn with interest. - the pavments redeive^ are loaned out eaobr mwith to members desiring a loan, Theprofitfl arediVided equally among all the members including biprrowe^ and non- borrowers. \ All shares transfersible. \ In case any member desires to borrow ' from the funds of the \ the Spciety for build- ing purposes and before stich building o#: buildings is or are combleted or started the xiiPcccorsmaytirran{|^«p«dT«fi$e't^ — ^-^. required for such construction as the work progresses upon progresi certificates or other- wise as they may deem If ise^ s^ advances, i<. -4.' ^^!^^" !'! -4-' :;l 5 howeyery toW firafcAppliKia iu payment or those coQtrAkors, sab-cbnt^aotoni or work- men who by rWasoii of their services or for material furnkh«} by ihem would be en- titled to aUen br Iv^^ ubon such building or ;buildu)gs.- :--^'y.V ^'^V" f ^/-^ ' ■ -■ ■-.--' :^" Persona desiring to I subscribe for shares oan\bave their n^mps registered on payment of *¥ entrance f^of twenty-five cents per shar^and an instalment of one dollar per month per sbare,^^ yavHDBjivnMl tt /^Aftw the first year a withdrawii^^^i, *er will receive the amount paid in with in- terest not exceeding five per cent., lesaei- penses. Thus an investing member is not compelled to remain in the Society or lose a portion of his legitimate profits, but can withdraw his money aud if he desires he can recommence his saving in a new series o" shares. l !_ SBCUfUTY I^H SAYWQS. ,;* yirAt mortgages on reaf estate j the prin- , : cipal reduced by small monthly payment about equal to rent, ^^ a fBOBBOWINa MEMBERS* Interest paid— Example. Each share en. titles the holder to a loan of $200. $2 is the moiithly payment for each bor, rowing share. ' ^ Bach sliare whether borrowed or tiot rfe- .jMives^ 1 h e i sama ^ amom rt.^. ^!ofit»^ ev^ iy- other share in the same serfes. f Borrowers can repay their mortgaires at anytime. ,^ ^ ? For each $200 borrowed one sliare of ^')* ■■ u !>•' Ih. •took muiif K^V . " ; 1 ' f -A ' ' A «"« he would p'Jy'S^^-W fet«.ooO^'^^ ibttaa mature or Lfc •?'°""' "n"! thS thereof placed toH^eorelj^f ',"" ""« ««'<'»"? W the ^»r„ are fuUv !, V°^ each share on. "» declared. " '"" °"». >« <»»h «« ,o3n *i.WO he can obtain LI ^^^ exqeedinff wWia or has buil*- «. ^ *«^«icft he intends tn «« oollate™, .eourity "1r'8'""8 '»« "h'^l " W per share until n.;j • "*"» «Onthi . f'ene of there be^iV!^'' "° '"«• In the !he fund, than S^nrnK'^'e'^ewand for , «.■"»« ol.«. and «raduafrf ^*"' "'»«' wlh? been accumalat^! »»«n«u«h th, 4,^^ ^^ »eri^fo^oJ^:lt^«»ber, while . ^ You oan nav « ,®"*P*<>yment. "^y- by paying » li*o" m„ J^''** ""is Soci ■;4 ^4^ ^'"'^•«""«™"'»t'"«^^M*b0Mtte„.ud JL A i .?' *y ity. ^ five sh»re«. 'e«l,006;on th until the juJl. Each <:he amount ^oh share uq. after Which' ^ «»y, five < exceeding y iriFii^ rt intends to ^^9, shares '^^^tTM his «^»ll be$0 Paiiiontiij '• In the MJiand for ?o to the divided a»"^ 'hare W an equal > » In the until a . leht has 'f ■ while '^ J; ^;. *n years lis Soci- ' «." <", ' ami * ic ol m and ^'^tnlnt^ >'a8 to theinselves TK« ?^ *'^°'**®' *'^hout foanednicJnKs^^ '^ho BiT tioned in th2 S/Jl "^ ^'"f *^'-«» «en. WhentheterilTrex^^^^^^^^ the borrower W«he« rn^J!r .l *' *""« »>><1 portion of hi. ToaebtSS^l"?* "'"''^ «" « ct>i V ^^tCt ""'t ^'"- ">« home" is . h„„„. ---f- "ivescon^PO «UAmnteed all i'i- ;J-„ & 1 FV theintwiMt tiritt dan be made upon safe in VMtmentB and compoundkiK of profiV ^ *.xpei:ienceBh0w8 tbat where^the i^ynini inaJ)outten yearn. Allowing teir aod omJ half yeani for maturity of a wriea anitiuir ingmen,ber .will receive ten^rolnlte on hia average inr^tmenc. J^^* mifl^T***^® «lr«ady commenced to save Sl*t .? your .aWnffa in this Sociejty and^ meiv)pj)etter. .profits with as good securitr "rL®*^L"^^ Society can giveVu. ^ K.;frf T *^*®'^ 1*** me«hber qatk cowtri.^ nrrlw '*'^"°nV^y *^^"«^»« his friendsTo participate m the advantages whioli all shareholders share equally, and therfeby Jd" irano^his own and fellow-members' int^fest Tn a*t!^n^ !i,'*P'*^^^^ papulation :^ il5ff ?^ there is a large demand for dweHing^ houses suitable for mechanics and tbiB Society will meet that demand in a : TI^^^^u^''^'''^ '°*""^'' <**» it can be met' in any other way. in^^K^'i^^^l^* **^^ ^^'^^^ «*^ *he house m which he lives is a better oitiEen m every way. . * *mwu .•^-'■^j' r ft/ k' .l^■ -■•r^4ll^4®iy' 4 / t ( ^^^ "S jS _..„-j : — ^ 4^ upon -safiaiif' profits, the iMtt value B will, mature ^tr and one* iwa^ jrf^eati roent. I^fit iced to Bave B Sooi^jby and"^ Otfd seourity you. , qatt contri-' iia friends tp I "whioli all thereby ad* rs' interest ' fif population .^ demand for tv «|)anio0 and imand in a . • can be met I the house ter ciuEen . 1 «!■('• ' ^' X 4 ■.I M" $> |.|*^):^ s — \ «i o *^ fil A <•,