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RULES AND TABLES 
 
 OF THE 
 
 EAST-LOTHIAN MUTUAL ASSURANCE 
 
 OR 
 
 FRIENDLY SOCIETY, 
 
 INSTITUTED 13 th SEPTEMBER 1830, 
 
 FOR GRANTING BENEFITS IN SICKNESS, OLD AGE, 
 AND AT DEATH. 
 
 PUBLISHED BY GEORGE NEILL, GEORGE TAIT, 
 AND JOHN WOOD, HADDINGTON; 
 
 AND WILLIAM MILLER, DUNBAR. 
 MDCCCXXXI. 
 
CONTENTS. 
 
 RULES. 
 
 I. Objects of the Society, 
 
 II. Honorary Members, 
 
 III. Admission of Ordinary or Benefit Members, .... 
 
 IV. General Rules as to Contributions, 
 
 V. General Rules as to Benefits, 
 
 VI. Payment of the Benefits, 
 
 Sickness, 
 
 Annuities, 
 
 Life Assurance, 
 
 VII. Management Fund, t 
 
 VIII. Meetings, 
 
 IX. Office-Bearers, 
 
 Standing Committee, 
 
 District Committees, . 
 
 President and Vice-Presidents, 
 
 Treasurer, • 
 
 Secretary, 
 
 Auditors, 
 
 Medical Officer, 
 
 Accountant, . . . 
 
 Trustees, 
 
 X. Books, 
 
 XI. Arrears, 
 
 XII. Disputes and Arbitration, 
 
 XIII. Investment of the Funds, 
 
 XIV. Investigations of the Affairs of the Society, and Adjustment of the 
 
 Funds, . 
 
 XV. Alterations and Amendments, 
 
 XVI. Dissolution of Society, 
 
 Penalties, 
 
 Page 
 
 ib. 
 4 
 6 
 7 
 
 10 
 ib. 
 12 
 13 
 14 
 15 
 17 
 18 
 19 
 ib. 
 20 
 21 
 ib. 
 ib. 
 
 ib. 
 22 
 ib. 
 23 
 ib. 
 25 
 
 27 
 28 
 ib. 
 29 
 
 TABLES AND EXPLANATIONS. 
 
 Explanations of the several Tables, 
 
 I. Sickness Fund, 
 
 II. Deferred Annuity Fund, . 
 
 III. Life Assurance Fund, . . . . 
 
 IV. Balancing or Present Annuity Table, 
 
 V. Redemption of Payments for all the Funds, 
 Rules for Conversion of Decimals, 
 
 30 
 
 32 
 33 
 34 
 35 
 36 
 ib. 
 
 FORMS. 
 
 I. Claim for Sickness Allowance, 
 
 II. Sickness Certificate, 
 
 III. Certificate applicable to the Life Assurance Fund, 
 
 IV. Nomination to be indorsed on the foregoing Certificate, 
 V. Mandate to Proxies, 
 
 VI. Award by the Arbitrators, 
 
 Schedule of Return of Sickness and Mortality, . 
 
 37 
 ib. 
 ib. 
 38 
 ib. 
 ib. 
 
 39 
 
RULES 
 
 I. OBJECTS OF THE SOCIETY. 
 
 1. The designation of this Institution shall be The East-Lothian 
 Mutual Assurance or Friendly Society ; the objects contemplated 
 being to bring within the reach of the labouring and trading part of the 
 community the invaluable blessings of independent support, by means of 
 mutual assurance, and by contributions regulated by a graduated scale of 
 rates suited to the ages and circumstances of the members. 
 
 2. This Society shall consist of Honorary and Benefit Members ; and 
 shall be open for the admission of Honorary Members to the public through- 
 out the kingdom ; but for Benefit Members, only to persons residing within 
 the County of Haddington at the time of admission, 
 
 3. The whole of these Rules shall apply to, and be binding on, all 
 Members of the Society, whether males or females, in so far as applicable 
 to their particular circumstances. 
 
 4. The Society shall comprise the three following Schemes, or Funds, 
 for the benefit of the Ordinary Members, who shall contribute thereto in 
 manner after mentioned ; and these three Schemes or Funds are declared 
 to contain the whole purposes for which the Society is constituted, and to 
 which, and the necessary expenses of managing the same, the whole funds 
 of the Society shall be exclusively applied : 
 
 1st, A Sickness Fund — For affording weekly payments in money 
 during Sickness or disability for labour, until the members com- 
 plete the 60th year of their age ; 
 
 2d, A Deferred Annuity Fund — For affording annuities, or per- 
 manent annual allowances to members for life after completing 
 the 60th year of their age ; and, 
 
 3d, A Life Assurance Fund — For affording a sum payable at the 
 death of the Members. 
 
 II. HONORARY MEMBERS. 
 
 5. Every person contributing either a single payment of not less than 
 L. 2, 2s., or an annual payment of not less than 5s., shall be an Honorary 
 Member. 
 
 6. The annual subscriptions of the Honorary Members shall be pay- 
 able in advance, immediately after the meeting of the Society hereinafter 
 appointed to be held in the month of June annually ; and if the subscrip- 
 tion of any such Honorary Member shall remain unpaid until the Annual 
 Meeting subsequent to that at which it was payable, he shall be held to 
 have renounced his membership. 
 
 A 2 
 
4 
 
 7. The contributions of the Honorary Members shall form an Auxiliary- 
 Fund, to assist in defraying: the expenses of management, and in supplying 
 any deficiency which may arise from unforeseen circumstances in any of the 
 Funds. 
 
 8. The Honorary Members resident in Haddington, or its immediate 
 neighbourhood, and those in the country who may require it, shall receive 
 notice of, and be entitled to attend, all General Meetings of the Society, 
 and give their advice either in regard to the management of the Society's 
 affairs generally, or in regard to the matters which may be brought under 
 the consideration of such General Meetings, but they shall be entitled to 
 vote only in matters relating to the Honorary Fund. 
 
 9. A copy of the Rules of the Society shall be delivered to every Ho- 
 norary Member, who shall likewise be furnished with a copy of all printed 
 statements of the Society's affairs. 
 
 III. ADMISSION OF ORDINARY OR BENEFIT MEMBERS. 
 
 10. Any man of good character, in good health, above the age of 18, 
 and under 50, not engaged in any profession or trade considered by two- 
 thirds of the Committee, present at a stated meeting, as peculiarly dange- 
 rous or detrimental to health, and who shall, at the time of his application, 
 have his ordinary residence within the County of East- Lothian, may be 
 admitted a Member of the Sickness Fund ; any male or female, residing as 
 above, of good character, and above the age of 18, and under 50, may be 
 admitted to the Deferred Annuity Fund ; and any male or female, qualified 
 as required by the Sickness Fund, may be admitted to the Life Assurance 
 Fund. 
 
 11. No person, being a minor, shall be admitted a member, unless with 
 the consent of his or her parents, master, or guardians ; and such consent 
 shall be sufficiently indicated by the parent, master, or guardian, signing 
 the declarations mentioned in clause 17. of these Rules. 
 
 12. All applications for admission as Benefit Members shall be received 
 at such times and places as may from time to time be fixed by the Com- 
 mittee. 
 
 13. The Entry-Money to each Fund shall be 2s. 6., payable upon ap- 
 plication for admission ; and all applicants must, at the same time, or at 
 admission, produce regular certificates of their ages from the Parish or 
 Baptismal Register ; or if their ages have not been registered, such other 
 evidence as shall be judged sufficient by the Committee. 
 
 14. Members applying for additional shares in any Fund or Funds to 
 which they may previously belong, shall pay One Shilling of Entry-money 
 for each Fund in which they may apply, for such additional shares. 
 
 15. If any person who may be admitted a member shall, at the time of 
 application, produce any other evidence of his age than a parish certificate, 
 when such could have been obtained, the person so offending shall forfeit 
 a sum of Five Shillings ; and in case any such person shall have made a 
 wilfully false statement of his age, he shall forfeit all benefit from the Funds 
 of the Society. 
 
16. Every male applicant for admission into the Society, not residing 
 more than three miles from Haddington, shall appear at the time of ma- 
 king application ; and every such applicant, wherever his residence may be, 
 shall appear personally before the Committee, at the meeting at. which hie 
 application is to be taken into consideration ; but females may be admitted 
 as members without the necessity of personal appearance on any occasion. 
 
 17. In all cases, the applicants shall be required to make and sign, be- 
 fore two witnesses, a declaration of their age and present state of health 
 before admission to the benefit of the Sickness or Life Assurance Funds, 
 and a declaration of their age before admission to the benefit of the An- 
 nuity Fund. These declarations, which it shall be the duty of the Se- 
 cretary to see properly filled up, shall be of such form as the Society shall 
 from time to time see fit to appoint. 
 
 18. All applicants for shares in the Sickness or Life Assurance Funds, 
 shall appear personally before the Medical Officer of the Society, or before 
 such other Medical Practitioner in his or her neighbourhood as the Com- 
 mittee may name, at such time and place as the Committee may appoint, 
 for the purpose of being examined in regard to the declaration as to their 
 state of health, which shall be retained by the Medical Officer, and re- 
 turned to the Secretary, with his report thereon, before the ensuing meet- 
 ing of the Committee. 
 
 19. The Secretary shall each month make up a List, to be exhibited in 
 the place appointed for receiving the contributions, shewing not only the 
 name, age, and designation of every male applicant, and the name and 
 designation of every female applicant, but also the number of shares in 
 each particular fund wanted by the respective applicants. 
 
 20. The object of exhibiting the List above mentioned being, to afford 
 to the members an opportunity of informing themselves with regard to the 
 qualifications of the persons applying for admission, the members are re- 
 quired, if they know of any reason why any particular applicant should be 
 rejected, forthwith to communicate the same to some member of the Com- 
 mittee. 
 
 21. After such List shall have been so exhibited for a period of one month, 
 the Committee shall decide upon the application at their next or any sub- 
 sequent stated meeting, of which due notice shall be given by the Secre- 
 tary to those applicants whose attendance is required by Rule 16; and 
 if two -thirds of the members present at such meeting shall be of opinion 
 that any applicant ought to be admitted, such applicant shall be admitted 
 a member of the Society, on payment of his monthly, quarterly, or annual 
 contribution. 
 
 22. Upon the admission of any person in manner foresaid, he or she 
 shall commence payment of his or her contributions, not later than the 
 third meeting for receiving contributions subsequent to that at which such 
 person shall have been admitted, otherwise he or she shall be held to have 
 abandoned his or her intention of becoming a member, shall forfeit the en- 
 try-money, and be admissible only on the footing of a new applicant. 
 
 23. In all cases the payments of the members shall be calculated ac- 
 cording to their age, not at the time of application, but at the time when 
 they shall pay their first contribution ; and their ages shall be counted at 
 the age they will be of at their then next birth-day thereafter. 
 
6 
 
 24. It shall be the duty of the Treasurer immediately after any member 
 has commenced payment of his or her contributions, to enrol in a book, to 
 be kept for that purpose, and to be named the Permanent Roll-Book, the 
 name, designation, present residence, and date of birth of such member, 
 and the benefits for which he or she is admitted, with such other particu- 
 lars as shall be deemed requisite ; and also to make out, and deliver to the 
 member, a Certificate of these particulars, signed by himself, the Secretary, 
 and President, or one of the Vice-Presidents, in such form as the Society 
 may from time to time direct. 
 
 25. Every member of the Society (excepting in the case of a married 
 individual whose spouse may be already a member) shall, along with his 
 first contribution, pay for a copy of these Rules, at the price to be fixed 
 by the Committee. Persons admitted members previously to the enact- 
 ment of these Rules, shall do so with their first contribution, after they 
 have been sanctioned by the Justices and published. 
 
 26. Any applicant who is rejected, shall receive back the entry-money 
 deposited, except sixpence for each fund for admission to which he or she 
 may have applied, which shall be retained to assist in defraying the ex- 
 penses of management. 
 
 IV. GENERAL RULES AS TO CONTRIBUTIONS. 
 
 27. Each Benefit shall be divided into shares, one or more of which, 
 under the restrictions after mentioned, may be taken according as indivi- 
 duals shall incline. Those taking one or more shares in the Sickness Fund, 
 must also take one share at least in the Deferred Annuity Fund, the allow- 
 ances from which shall commence at the age when those from the Sickness 
 Fund terminate ; but members may hold shares in the Deferred Annuity 
 or Life Assurance Funds, either separately or together, without being- 
 obliged to hold a share in the Sickness Fund. 
 
 28. It shall be in the power of the Society, by a majority of two-thirds 
 of the members present at any stated General Meeting, upon a motion 
 made at the preceding meeting, to resolve to admit future entrants to a 
 smaller benefit in any of the funds than a single share. 
 
 29. The benefits of each Fund may be obtained either by a single pay- 
 ment on admission, or by a monthly, quarterly, or annual contribution, 
 payable in advance, corresponding to the number of shares held, to the 
 age of the member, when he or she shall make his or her first payment, as 
 specified in the Tables hereunto annexed, or the Tables of the Society for 
 the time being, and to the duration of the contribution ; which annual, 
 quarterly, or monthly payments shall cease with the completion of the 60th 
 year of the member's age. By quarterly payments is meant a fourth part 
 of an annual contribution. 
 
 30. Those who adopt a monthly or quarterly payment may, if so in- 
 clined, at the contribution payable in May, change the same to an annual 
 payment, upon giving one month's previous notice in writing to the Trea- 
 surer, of the intention to make such a change. And those who adopt an 
 annual payment may, on like notice, be allowed to change the same to a 
 monthly or quarterly payment, at the termination of the year for which he 
 or she had last paid his or her contribution. But members baying neglected 
 
to give such notice, shall only be allowed to make the change, on payment 
 of Is. towards the Management Fund. 
 
 31. Any member, upon an application to the Committee, shall be al- 
 lowed to redeem his or her future contributions, either in whole or in part, 
 by making equivalent payments of not less than 10s. at a time ; and, for 
 every such payment, a corresponding deduction shall be made from the fu- 
 ture monthly or annual contributions of the member, according to the 
 Tables and relative Rules hereto annexed, and to the age of the member 
 at the time of redemption. Provided always, that, in order to create as 
 much as possible a uniformity in the rate of monthly contributions, and 
 simplify the collection, it shall be competent to every member to redeem 
 the difference exhibited in the Tables between the first month's and the 
 other months' contributions, payable by him or her, in any or all of the 
 Funds, although the redemption-money should not amount to 10s.; and, 
 in every case, the redemption-money shall be applied, in the first place, to 
 the redemption of these differences, and thereafter as much as possible to- 
 wards reducing the annual contributions to some multiple of two shillings, 
 and the monthly contributions to some multiple of two pence. 
 
 32. If the annual or monthly contributions stated in the Tables payable 
 by any member, should at any time be redeemed by one or more payments, 
 the value of the future contributions payable by such member for manage- 
 ment, referred to in the 6th branch of these Rules, shall be ascertained 
 and paid at the same time. 
 
 33. All monthly or quarterly contributions shall be payable in advance, 
 on the first Monday of each month, or quarter, under the penalty of One 
 Penny per month for every Ten Shillings, or under, that may be due. All 
 annual contributions shall be likewise payable in advance, on the first Mon- 
 day of May in each year, under the like penalty. And the Treasurer shall, 
 at least ten days before the said meeting in May annually, give notice to 
 the whole of such members, that their contributions are then due ; the non- 
 delivery of which notices, however, shall not be held as an excuse for non- 
 payment of any penalties which may be incurred. 
 
 34. No partial payments of a member's contributions or of arrears, to 
 any of the funds, shall at any time be received ; nor, where a member has 
 a share or shares in more than one fund, shall his or her contributions for 
 the one fund be received without those for the other fund or funds, unless 
 he or she at the same time, by letter to the Secretary, intimate his or her 
 desire to claim the benefit of Rule 42, or that he or she does not intend 
 any longer to contribute to such other fund or funds ; it being understood 
 that no member can wholly withdraw from the Deferred Annuity Fund 
 and remain in the Sickness Fund. 
 
 V. GENERAL RULES AS TO BENEFITS. 
 
 35. A weekly allowance of Five Shillings shall constitute one share in 
 the Sickness Fund, and each member may obtain either one, one and a 
 half, or two shares ; and shall pay for each share the single, annual, 
 or monthly contributions, according to his age at entry, as specified in 
 Table, No. I., hereto annexed. Every member paying the stipulated 
 
8 
 
 contributions, shall be entitled to receive from the fund a weekly allowance 
 or pay of Five Shillings per share, corresponding to the number of his shares 
 therein, during the time he remains sick or disabled for work, and until he 
 has completed his 60th year of age, but always with and under the follow- 
 ing limitations and restrictions : — In case any member shall draw fifty-two 
 weeks' full pay, of Five Shillings per share (at however distant intervals 
 from each other, so that he has drawn in all at the rate of Thirteen Pounds 
 for each share from the funds of the Society), he shall thereafter only re- 
 ceive three-fourths of the weekly pay during sickness or disability, to which 
 he would otherwise have been entitled ; and, in case the same member 
 shall, after having been reduced to three-fourths pay, draw at that rate for 
 other fifty-two weeks (in manner before mentioned), he shall thereafter re- 
 ceive, during sickness or disability, only one-half of the weekly full pay of 
 Five Shillings per share, or such other rate as shall be resolved on, after 
 any investigation, as provided for by Rule 162. It is, however, intended 
 immediately to frame an additional Table of Rates, to enable members to 
 subscribe for the full Sickness allowance. 
 
 36. An Annuity, or permanent annual allowance, of Four Pounds, pay- 
 able in manner after mentioned, whether the annuitant be in sickness or in 
 health, and commencing at the termination of the 60th year of age, shall 
 form one share in the Deferred Annuity Fund; and members may sub- 
 scribe for one, two, three, four, or five shares, as they shall judge proper. 
 The single, annual, and monthly contributions for each share, according 
 to the age at entry, shall be those specified for males in the first column, and 
 for females in the second column, of Table II. 
 
 37. A sum of L. 5, payable at death, shall constitute one share in the 
 Life Assurance Fund. Four shares may be taken by any member ; but 
 these may be gradually increased, according to the amount of the annual 
 contributions, in manner following : That is to say, when, upon the report 
 of the Committee, it shall appear that the whole annual contributions pay- 
 able in respect of life assurances, amount in any one year to L 25, the So- 
 ciety, at a General Meeting, may authorise five shares, or L. 25, to be 
 taken upon any one life ; and thereafter when, upon such report as afore- 
 said, it shall appear that the whole annual contributions payable in respect 
 of life assurances amount, in any one year, to L. 30, then the Society, at a 
 General Meeting, may authorise six shares, or L. 30, to be taken ; and so 
 on increasing the extent of the sum assured on any one life, according to 
 the amount of annual contributions payable in respect of the highest num- 
 ber of shares allowed to be taken at the time. The single, annual, and 
 monthly payments for each share, corresponding to the age at entry, shall 
 be those specified for males in the first column, and for females in the 
 second column, of Table III. 
 
 38. All the Tables (and relative explanatory Rules) herein before and 
 after referred to, being five in number, and marked I. II. III. IV> V. 
 are hereto annexed, and hereby declared to be part of these Rules, in the 
 same manner as if the whole were engrossed herein. 
 
 39. Members not having at first taken the utmost extent of the benefits 
 allowed, and wishing afterwards to increase the number of their shares, 
 may do so as to the additional shares upon the same conditions as new en- 
 trants, with this exception, that One Shilling only shall be charged for 
 
9 
 
 entry ; and any member who has been reduced to the second or third 
 rates of sick allowance (as above mentioned) shall, on the same terms as 
 new entrants, be allowed to take a quarter, or half, or whole share addi- 
 tional, in order to restore him to the same benefits as he was entitled to 
 when he first became a Free Member. Provided always, that his age, at 
 the time of his first contribution for such increased shares shall be under 
 50 years, and that such contributions shall correspond to the age of the 
 member at the time of such increase. 
 
 40. Any member of the Sickness or Life Assurance Funds, on going 
 beyond the limits of Great Britain and Ireland, except as provided for by 
 Rule 45, or on entering the Army or Royal Navy, or Merchant Navy 
 or Regular Militia, when in active service, shall thenceforth cease to be a 
 member entitled to the benefits of these two Funds ; but shall be entitled 
 to receive a sum not exceeding two-thirds of the then value of his or her 
 interest in these two funds, and also in the Deferred Annuity, in option, (if 
 he or she decline to continue a member of that fund alone) ; and in any of 
 the other funds to which he or she may have contributed, according to his 
 or her age at the time, the state of the funds at the last period of investi- 
 gation, and Table IV. hereto annexed. 
 
 41. No person who is entitled to benefit from the Sickness Fund of any 
 other Society, shall hold more than one share of that Fund in this Society; 
 nor shall a member holding more than one share of the Sickness Fund of 
 this Society, be at liberty to become a member of that Fund of any other 
 Society. And deviation from the provisions of this rule will subject the 
 person in forfeiture of all benefit from the Sickness Fund of this Society, so 
 long as he continues a member of, or receives alloVance from, the other. 
 
 42. The Committee shall have power to purchase the interest of any 
 member, either in whole or in part, at a rate not exceeding that mentioned 
 in a foregoing rule, upon such member satisfying them that he or she is 
 unable to continue his or her contributions, or is about to leave Scotland, 
 and wishes, on either of these accounts, to dissolve or to restrict his or her 
 interest in the Society. Provided always, that the Committee shall not be 
 at liberty to purchase the interest of a member of the Deferred Annuity 
 Fund, and to allow him to continue a member of the Sickness Fund. 
 
 43. No member shall be entitled to any benefit from the Sickness or 
 Life Assurance Funds till the expiry of one year from the date of the pay- 
 ment of his first monthly, quarterly, or annual contribution, or his single 
 payment, and until he has cleared the books of all arrears for that period ; 
 but should he die before the expiration of that time, all his payments shall 
 be returned to his representatives, with the exception of entry- money and 
 of interest. 
 
 44. The Committee shall have power to make an agreement with any 
 member likely to be permanently upon the Sickness Fund, and yet able to 
 work a little, whereby he shall be allowed to do so, on submitting to a re- 
 duction in the rate of his Sick Allowance, or on complying with such other 
 conditions as he and the Committee may agree upon. Or, if a member 
 shall, from any accident, be permanently disabled from following his usual 
 employment, the Committee shall have it in their power to make a similar 
 agreement ; and, in the event of them and the member differing as to the 
 
10 
 
 terms of agreement, the whole matter shall be referred to the arbitrators 
 hereinafter named, whose decision shall be final. 
 
 45. In case any member of the Sickness or Life Assurance Funds have 
 occasion to undertake a voyage or voyages by sea to any place, not reputed 
 unhealthy, other than Great Britain or Ireland, for a limited period, it shall 
 be in the power of the Committee to grant license to that effect. Provided 
 always, that the Society shall not be liable in any sickness allowance to the 
 member during his absence. 
 
 VI. PAYMENT OF THE BENEFITS. 
 SICKNESS. 
 
 46. When any member of the Sickness Fund is rendered incapable, 
 through sickness, infirmity, or accident, of following his usual trade or 
 calling, and is desirous of receiving the benefit for which he has contributed, 
 he shall send a claim to the Secretary of the Society, if in the parish of 
 Haddington; and, if in the country, to the President of the Sub-committee 
 of the district in which he resides, in the terms of the Form No. I. hereto 
 annexed. 
 
 47. Upon receiving this claim, the Secretary, or District President, shall 
 direct either the Medical Officer, or Visiting Director, forthwith to call upon 
 such member, and report to him, according to the form hereto annexed, 
 No. II ; and, if the claimant shall be found entitled to the allowance, upon 
 such report, or (in case of his living in the country), upon a certificate from 
 the minister of the parish, or of the congregation to which he may belong, 
 or that of two respectable householders, residing in the neighbourhood, the 
 Secretary, or District President, shall grant him an order weekly upon the 
 Treasurer for payment thereof; and this report or certificate shall be re- 
 newed every four weeks. 
 
 N. B. All persons shall be considered country members who reside more 
 than a mile from Haddington. 
 
 48. The member thus entitled to the allowance shall cause the order so 
 granted him to be presented to the Treasurer on such day and hour as the 
 Committee may from time to time appoint, and receive the said allowance 
 so long as he is entitled to it. 
 
 49. The delivery of the order shall be a sufficient receipt to the Trea- 
 surer for the allowance paid under its authority. 
 
 50. A member whose state of health incapacitates him for his usual 
 employment, but who is able to give directions regarding his business, 
 shall be entitled to the allowances, on producing a satisfactory certificate 
 from the Medical Officer. 
 
 51. All these claims on the Sickness Fund are to operate and have effect 
 from the date of the Secretary or District President's order, or from the 
 time they are received. 
 
 62. A claimant shall either send notice in what way he wishes his money 
 to be remitted to him, which shall be done at his own expense and respond 
 sibility, or authorise some person to receive it at the appointed place and 
 time. 
 
11 
 
 53. All sick applications, and other communications from members, or 
 others, in the country, must be post or carriage paid (otherwise the expense 
 shall be debited to the member as fines), and addressed to the Secretary, 
 Vice-President, or Treasurer, as the case may be. 
 
 54. The Treasurer shall pay no sick-money to town members, without 
 the Medical Officer's certificate, or Visiting Director's order, nor to country 
 members without the certificate above mentioned, and shall deduct all ar- 
 rears that may be due by the claimant. 
 
 55. Allowance shall not be paid for less than six days' continued sick- 
 ness or disability : For odd working days beyond that period, Ten Pence 
 per day shall be paid : No payment shall at any time be made in ad- 
 vance. 
 
 56. The weekly sick allowance shall always be paid at the office of the 
 Society, on such day and hour as shall be fixed by the Committee ; but 
 should any member have been more than three and less than six days sick, 
 he shall be paid at the rate of Tenpence for each share for each working 
 day from the date of his application ; and should he have applied later in 
 the week than Monday, the odd days shall be paid to him the week follow- 
 ing, along with that week's payment, or any smaller sum he may then be 
 entitled to receive ; — it being understood that a member may at any time 
 return to his employment without waiting until the expiry of a week, and 
 shall receive payment for whatever odd days may be previously due. 
 
 57. Should any sick or disabled member not be paid as prescribed in the 
 foregoing rules, within one week after the date of his order, he shall give 
 notice of the same to the Senior Vice-President, and, if by post, at the 
 expense of the Society. The Senior Vice-President, within twenty-four 
 hours after having received such notice, shall inquire into the reason of the 
 neglect, and, if necessary for its rectification, shall call a meeting of the 
 Committee. For every week's delay of payment, the sick member shall 
 have a claim of Sixpence on every share, or part of a share, to be paid by 
 the party in fault. 
 
 58. The Committee shall, in such cases as may be deemed necessary, 
 cause sick claimants under these rules to be visited by such Visitors as may 
 be appointed by them for that purpose. 
 
 59. Should any of the Vice-Presidents judge it proper to authorise the 
 Treasurer to refuse or suspend payment of allowance, even though the Me- 
 dical Officer or Visiting Director shall have reported a member entitled to 
 it, or certified in manner above directed (which either of them is hereby em- 
 powered to do in cases in which he may conceive the same to be necessary), 
 any member who considers himself thereby aggrieved, may, within six days, 
 insist upon an Extraordinary Meeting of the Standing Committee to inves- 
 tigate his case ; or he may defer it till the first stated meeting. Should he 
 be dissatisfied with the decision of the Committee, he may appeal to the first 
 General Meeting of the Society; and should the decision of the Committee 
 be reversed, besides the amount of the allowance due, he shall be entitled 
 to Sixpence per week of sickness, additional, on every share or part of a 
 share; but should the opinion of the Committee be sanctioned by a majo- 
 rity of the Society, he shall be fined Two Shillings on every share or part 
 of a share in the Sickness Fund for trouble and expense. 
 
 60 If it shall at any time happen, and be proved to the satisfaction of 
 
12 
 
 the Committee, that, from extraordinary circumstances connected with the 
 nature of the malady, any member of the Society was prevented from send- 
 ing the sickness claim herein referred to, the want of such claim shall not 
 prevent him from applying for and receiving his sickness allowance, at any 
 time within one month from the period for which he claims; the Committee 
 being, however, the judges of the validity of the claim so made. 
 
 61. No member, while receiving the Society's allowance, shall be at li- 
 berty to engage in any employment unsuitable to his situation as a sick 
 member ; but the Medical Officer, in the event of a sick member only be- 
 ing able to give directions regarding his business, shall be entitled to grant 
 a certificate of sickness, if it appear his state of health incapacitates him for 
 his usual employment. 
 
 62. No claim shall be allowed on the Sickness Fund for sickness or ac- 
 cidents brought on by intoxication, intemperance, or debauchery of any 
 description. 
 
 63. If any member shall be detected in a state of intoxication while he 
 is receiving benefit, he shall forfeit one week's allowance for the first offence, 
 and if it be repeated, he shall be deprived of all benefit during the conti- 
 nuance of that sickness. 
 
 64. It shall be the duty of each member who shall detect any sick mem- 
 ber in a state of intoxication, or at work, or in any manner imposing on the 
 Society while receiving benefit therefrom, to give immediate information 
 thereof to any of the Vice-Presidents or Treasurer. 
 
 ANNUITIES. 
 
 65. As soon as any member of the Deferred Annuity Fund shall have 
 completed his 60th, and entered on his 61st year, he shall, along with an 
 intimation of his claim for the annuity, transmit his certificate of member- 
 ship to the Secretary, to be laid before the Committee, who, if the claim 
 appear just, shall authorise the Treasurer to commence^ payment of the 
 annuity. 
 
 66. The Deferred Annuities shall be payable by regular quarterly in- 
 stalments at the place and times above mentioned, the first payment con- 
 sisting of the proportion corresponding to the period from the date of com- 
 mencement to the next quarter-day, on which the same shall be paid. 
 
 67. All contributions by members of the Deferred Annuity Fund shall 
 cease as soon as the annuity becomes payable ; but, if arrears or fines are 
 due, they shall be deducted from the moneys first payable. 
 
 68. Such annuitants as may reside at a distance, shall either empower 
 some person in Haddington to receive the money, or appoint the Treasurer 
 to remit the same, which shall be done at the risk and expense of the an- 
 nuitants ; and, at the same time, they shall transmit to the Treasurer a cer- 
 tificate, signed by a magistrate, minister, or elder, or by two reputable 
 householders, of their being still in life. 
 
 69. The proportion of all annuities, corresponding to the period from 
 the preceding quarter-day up to the death of the annuitant, shall imme- 
 diately thereafter be paid to his or her representatives. 
 
13 
 
 LIFE ASSURANCE. 
 
 70. When any member having an interest in the Life Assurance Fund 
 shall die, it shall be lawful for the Committee to authorise the Treasurer to 
 pay the amount assured to the relatives or representatives of the deceased 
 member, in terms of the 23d and 24th sections of the Act 10th Geo. IV. 
 c. 56. 
 
 7 J. The relations or representatives shall, if the sum assured do not ex- 
 ceed L. 10, receive the same within one month after a written notice of the 
 death of the person upon whose life the insurance was effected shall have 
 been transmitted to the Secretary, along with a certificate of the interment 
 of the deceased member from the recorder of the burying-ground where he 
 or she was interred, or other reasonable evidence of the death of the mem- 
 ber, and every sum exceeding L. 10 shall be paid within two months. No 
 interest shall be given on any sums allowed to remain with the Society 
 longer than the periods prescribed for their payment. 
 
 72. It shall be in the power of every member having an interest in the 
 Life Assurance Fund, to nominate the person or persons to whom the 
 benefit or sum assured shall be payable upon his death, and that by a wri- 
 ting under his hand, indorsed on the certificate to be granted to him at 
 entry, according to the forms No. III. & IV. hereto annexed, subscribed by 
 him before two credible witnesses, or by a writing of any other legal or 
 competent form, or by a writing subscribed by the minister of his parish, 
 or of the congregation to which he belonged, in the minute-book of the 
 Society, in presence of the Directors, who shall subscribe the book along 
 with him ; and the person or persons nominated as aforesaid shall, on pre- 
 senting the certificate and nomination indorsed thereon, or any other pro- 
 bative writing of similar import, and on proof of the death in manner fore- 
 said, be entitled to receive the benefit out of the Life Assurance Fund with- 
 in the times respectively limited by the foregoing regulation. 
 
 73. In case any member of the Life Assurance Fund shall die, leaving a 
 widow or widower, and without having made any nomination as aforesaid, 
 the benefit shall be paid to the survivor, or to such other person or persons 
 as may be appointed by the Committee, in virtue of the power hereinafter 
 granted for behoof of such survivor, and of the children left by the member, 
 if any. 
 
 74. Incase any member of the Life Assurance Fund shall die, leaving a 
 child or children under 21 years of age, but without having made any no- 
 mination as aforesaid, and without leaving a widow or widower, or in case 
 the Committee shall, in the event foresaid, deem the surviving parent an 
 unfit person to be entrusted with the money, it shall be in the power of the 
 Committee to nominate and appoint a fit and proper person or persons, as 
 trustee or trustees, for the purpose of receiving the benefit, and laying out 
 and expending the same for the use of the family, or the survivor and fa- 
 mily, as the case may be ; it being hereby specially declared, that such 
 trustee or trustees shall be no farther liable than that they have laid out 
 and expended the money for the use and behoof aforesaid, according to his 
 or their own sound discretion. 
 
14 
 
 75. In case any member die without having made a nomination as afore- 
 said, and without leaving a widow or widower, or children under 21 years 
 of age, the benefit shall be payable to the legal representatives of the 
 member deceased. 
 
 76. In all cases before mentioned, the simple receipt or acknowledg- 
 ment of the person or persons to whom the benefit is appointed to be paid 
 as aforesaid, written or indorsed upon the said certificate, shall be a valid 
 and effectual discharge and acquittance to the Society for the money ex- 
 pressed in such receipt or acknowledgment. 
 
 77. In every case where a member of the Life Assurance Fund shall 
 die, leaving a child or children under 21 years of age, and when a trustee 
 or trustees is or are appointed by the Committee for taking a charge of the 
 benefit in manner foresaid, it shall be in the power of the Committee, if 
 they think fit, to require and take security from such trustee or trustees, 
 appointed for the application of the benefit committed to their charge ; and 
 it shall also be in the power of the Committee, either of their own accord, 
 or at the suggestion of any of the friends or relations of the family, to call 
 the said trustee or trustees to account for the application of the money. 
 But it is hereby declared and expressly provided, that neither the Society 
 nor the Committee of Management shall be in any way responsible for the 
 application of any benefit after the same has been paid into the hands of 
 any nominee or nominees, trustee or trustees, appointed in terms of the 
 foregoing regulations. 
 
 78. If the nominees, trustees, or relatives of any deceased member 
 should require assistance to enable them to defray the funeral charges, the 
 President or any one of the Vice-Presidents may direct the Treasurer to 
 pay any sum not exceeding L. 10 for that purpose, deducting, however, 
 any arrears that may be due, if the amount insured do not exceed the sum 
 so advanced. 
 
 79. If any member of the Life Assurance Fund commit suicide, or die 
 by the hand of justice, or by duelling, his representatives shall not be en- 
 titled to any benefit from that fund. 
 
 80. If the allowance payable on the death of any member of the Life 
 Assurance Fund be not claimed within two years from the death of the 
 member, the Society shall be ipso facto discharged and no longer liable. 
 
 VII. MANAGEMENT FUND. 
 
 81. The Treasurer, the Secretary, the Medical Officer, and the Ac- 
 countant, shall receive such salaries as the Society shall from time to time 
 deem to be fair and reasonable ; for the purpose of paying which salaries, 
 and the other necessary expenses of conducting the Society's affairs, a se- 
 parate Management Fund shall be formed and maintained. 
 
 82. A proportion of the contributions of Honorary Members, (See 
 Rule 7.) — the entry-moneys payable by the Benefit Members — a sum of 
 sixpence per annum from every Benefit Member for each fund to which he 
 may be a contributor, to be paid along with his first contribution — all fines 
 and penalties not specially belonging to any particular fund — all legacies 
 not otherwise appropriated, and the sums arising from the sale of the So- 
 ciety's Rules, shall all be placed to the credit of the Management Fund. 
 
15 
 
 83. The salaries and expenses above mentioned shall be paid at the time 
 out of the general stock of the Society ; but at the 31st December annual- 
 ly, when the Treasurer balances his accounts, he shall place whatever de- 
 ficiency may appear on the account of the Management Fund to the debit 
 of the accounts of the other several funds, in the proportion of two parts 
 to the Sickness Fund for one part to each of the other funds. 
 
 84. In the event of it being at any time found inexpedient so to appor- 
 tion any deficiency appearing as aforesaid on the Management Fund account, 
 or that any unforeseen expense has been incurred, it shall be in the power 
 of any General Meeting, upon the recommendation of the Committee, 
 either to increase the above payment of sixpence per annum, to such sum 
 as shall be found necessary ; or to levy a special contribution, to defray 
 such deficiency or expenses ; — such rule or order of the General Meeting, 
 making such increase, or levying such special contribution, being agreed to 
 and sanctioned in terms of the provisions of the Act of Parliament relative 
 to alterations and amendments of rules. 
 
 85. If, on the other hand, it shall appear at any stated period of inves- 
 tigation, that the Management Fund shall be greater in amount than is re- 
 quisite for the various charges upon that fund, it shall be in the power of 
 the Society to dispose of any such surplus fund, either in aiding any of the 
 other funds which may have been found to be deficient, or in reducing, or 
 altogether dispensing with, either permanently or for a limited time, the 
 payments to the Management Fund, above mentioned. Such rule or order 
 of the Society reducing or dispensing with the payments to the Manage- 
 ment Fund being duly agreed to and sanctioned as above. 
 
 VIII. MEETINGS. 
 
 86. There shall be two general meetings of the Society, to be held on 
 the first Wednesday of June and December every year, at each of which 
 meetings the Committee shall report their minutes and proceedings since 
 the immediately preceding general meeting, and communicate any infor- 
 mation that may be useful or beneficial to the Society, and receive such 
 instructions in relation to the Society's affairs as shall seem to be proper. 
 
 87. There shall be levied from each male member (excepting those who 
 may be in the actual receipt of a Deferred Annuity, or w ho may be sick, 
 or at a distance of three miles from town), a fine of Sixpence for absence 
 at the commencement of the general meeting in June, being the Election 
 Meeting. 
 
 88. All meetings of the Society shall be held in the Town- Hall of Had- 
 dington, the School of Arts' Lecture Room, the Burgh or Parochial School- 
 rooms, or any of the Dissenting Meeting-houses in Haddington, or such 
 other place as may be fixed by the Committee, from time to time, they 
 giving notice to the Clerk of the Peace, as required by the 10th section 
 of the Act of Parliament. 
 
 89. Every member shall be held to be acquainted with the times at 
 which the stated General and Committee Meetings are held ; and it shall 
 therefore be no valid objection to the proceedings of such meetings, that 
 any individual did not receive intimation. And it shall be the duty of 
 each member to give written notice of any change which he may have 
 
16 
 
 made in his place of residence, to the Secretary, at the first meeting for re- 
 ceiving his contributions after such change shall have been made, under 
 the penalty of Sixpence for each neglect. 
 
 90. At all general meetings of the Society, the President, whom fail- 
 ing the Vice-President highest on the roll who may be present, all whom 
 failing, one of the Directors, to be chosen at the time, shall take the chair ; 
 and at all General and Committee Meetings, every question put to the 
 vote shall be decided by the majority of the members present, except 
 when otherwise provided by the Rules, or by- the Act of Parliament. In 
 case of an equality of votes in any General .or Committee Meeting, the 
 Chairman shall have the casting vote, besides his deliberative vote, if he 
 have one. 
 
 91. At every General Meeting of the Society, the chair shall be taken, 
 and business commenced, at 7 o'clock in the evening, or such other hour 
 as the Committee may from time to time fix. 
 
 92. The Secretary shall,' at the meeting in June annually, announce the 
 then number of the male Benefit Members of the Society, when the num- 
 ber (exclusive of proxies) requisite to form a quorum at all general meet- 
 ings, during the ensuing year, shall be fixed. 
 
 93. Should there not be a quorum of members present at any General 
 or Committee Meeting, no business shall be transacted ; and the meeting 
 shall be adjourned till a future day, of which due notice shall be again 
 given to the members. 
 
 94. All the Benefit Members, to whatever fund or funds they may be- 
 long, and without distinguishing those who may be receiving the benefits 
 of the Society from those who may only be contributing to the funds, shall, 
 with the exception of female members, be entitled to 'attend and vote at all 
 General Meetings of the Society ; but the female members, and members 
 on the sick or deferred annuity lists, shall have the right of appearing and 
 acting by proxy in all matters involving any of the fundamental rules of the 
 Society, or in which the class of members to which such individuals may 
 belong shall be specially interested, such proxy being a Benefit Member of 
 the Society, and producing a written mandate in the form, No. V., hereto 
 appended, from the person represented by him. 
 
 95. The members of the Society who may be present at any stated ge- 
 neral meeting, or at any time to which such stated meetings may adjourn, 
 or at any special meeting called in manner after mentioned, shall have 
 power to control the proceedings of the Committee, to decide upon any 
 doubtful or disputed matter that may be referred to them by the Commit- 
 tee, and to judge of, order, and direct, all matters relative to the affairs of 
 the Society. 
 
 96. Every member shall, while speaking, address himself to the Chair- 
 man, standing and uncovered ; and should two members rise at one time 
 to address the Chair, the Chairman shall decide which shall have the pre- 
 ference ; but no member shall be allowed to interrupt another, or deliver 
 his opinion till the preceding speaker has taken his seat. 
 
 97. No member shall introduce any subject unconnected with the pur- 
 poses for which this Society is instituted ; nor any matter not immediately 
 connected with the business under discussion at the time. 
 
17 
 
 98. In all questions relating exclusively to any of the funds, and which 
 do not affect the others, the members having an interest in such fund only 
 shall be entitled to vote. This rule, however, shall not apply to questions 
 arising in meetings of the Committee, the members of which shall be en- 
 titled to vote without any distinction of interests. 
 
 99. The Standing Committee, of whom any five shall be a quorum, shall 
 meet twelve times in the year, viz. on the first Monday of every month, 
 and on any other days to which they may adjourn ; and, at such meetings, 
 the Committee shall have power to dispose of all applications for ad- 
 mission ; to judge of claims upon the funds, and order payment thereof 
 (witl out prejudice, however, to the Secretary or District President grant- 
 ing orders on the Sick Fund in manner before mentioned) ; to examine 
 the Treasurer's cash transactions for the preceding month ; and also to order 
 and direct the investment of the moneys that may belong to the Society, 
 and the uplifting or transference thereof from time to time ; and to trans- 
 act all the ordinary business of the Society. The Committee shall also 
 meet on any other day for special purposes, upon being required to do so 
 in manner after mentioned. 
 
 100. Any ten members may, by a signed requisition addressed to the 
 President (if a Benefit Member) or to the Senior Vice-President, stating 
 fully the object in view, order a General Meeting to be called ; or any 
 three members of the Committee may, in the same way, order a meeting 
 thereof to be convened ; and, in either case, the President or Senior Vice- 
 President is hereby authorised and required to direct such meeting to be 
 called. But if it shall be declared by a majority of the members present at 
 the meeting so called, that the same was unnecessary, then each one of 
 the requisitionists shall be fined in the sum of One Shilling. 
 
 101. Intimation shall be given by the Secretary to the members at least 
 twenty-four hours previous to all General or Committee Meetings, by 
 printed circulars, or otherwise, stating, in the case of General Meetings, 
 the business to be brought forward, so far as the same may be known. 
 The circulars for all meetings shall be transmitted in such manner as the 
 Committee may from time to time appoint. 
 
 IX. OFFICE-BEARERS. 
 
 102. The management and direction of the affairs of the Society shall be 
 vested in the following Office- Bearers, subject always to the control of the 
 General Meetings of the Society, viz. — A President, three Vice-Presi' 
 dents, twelve Directors, and three Auditors, — the Vice-Presidents and Di- 
 rectors shall be chosen from among the Benefit Members, in manner af- 
 ter mentioned, the others may either be Honorary or Benefit Members ; a 
 Treasurer, a Secretary, a Medical Officer, and an Accountant, who may 
 or may not be members of the Society ; and five Trustees to be chosen 
 from among the Benefit and Honorary Members, but of whom not more 
 than two shall be Honorary Members. 
 
 103. All the above Office- Bearers shall be chosen annually at the General 
 Meeting of the Society to be held in June, by a majority of the members 
 then present, and shall continue in office for one year, with the exception 
 
 B 
 
18 
 
 of the Trustees, the Treasurer, the Secretary, the Medical Officer, and the 
 Accountant, who shall be continued in their respective offices during the 
 pleasure of the Society. At every election, the senior Vice-President, and 
 four Directors at the top of the list, shall go out of office ; and all the rest 
 of the Office-Bearers may be re-elected. The President, Vice-Presidents, 
 and Directors, five being a quorum, shall constitute the Standing Com- 
 mittee. 
 
 104. The Secretary shall lay on the table, on the evenings of the first 
 Mondays of March, April, and May, annually, a book, in which the mem- 
 bers may insert the names of those individuals whom they may wish to be 
 appointed as Office-Bearers at the next election. 
 
 105. The names so inserted shall be appended to the notices for the elec- 
 tion meeting in June, and from these, and such others as may be proposed 
 at the meeting, previously to the election being begun, the different Office- 
 Bearers shall be elected. 
 
 106. In the event of the death, resignation, or non-residence, of any of 
 the Office-Bearers of the Society, their offices shall be filled up at the next 
 stated General Meeting. 
 
 STANDING COMMITTEE. 
 
 107. The President (if a Benefit Member), or one of the Vice-Presidents, 
 and two of the Directors, shall, in rotation, meet, along with the Treasurer 
 and Secretary, at the office of the Society, on the first Monday of every 
 month, at such hour and for such period as may from time to time be 
 fixed by the Society, for the purpose of receiving the contributions, and 
 applications for admission. If inconvenient for any one to attend, he shall 
 send another to officiate for him. 
 
 108. The Standing Committee shall have power, if they see fit, to ap- 
 point a district Medical Practitioner, to act in terms of the Rule 18 ; and 
 at any tine, provided three-fourths of their number concur, to suspend the 
 Treasurer, the Secretary, the Medical Officer, and the Accountant, or any 
 of them, from their respective offices, until the next General Meeting of 
 the Society ; and, in that event, or in the event of the death, resignation, 
 or indisposition, of all or any of such Office-Bearers, the Committee shall 
 appoint fit and proper persons for discharging the duties of such Office- 
 Bearers in the mean time. 
 
 109. Two copies of the Rules, two copies of each Annual Report, and 
 all bonds, dispositions, and other important papers, shall be deposited in a 
 chest, to be kept by the Secretary; and it shall be the duty of the Com- 
 mittee, at the first stated meeting after the annual election, to examine the 
 papers contained in the chest, and to compare the same, with an inventory 
 thereof, to be deposited along therewith, and with a duplicate of the in- 
 ventory to be kept by the President, if a Benefit Member, otherwise by 
 the Senior Vice-President. 
 
 1 10. The twelve Directors shall act as Visiters in rotation, or as the case 
 may require ; they shall report, at stated periods, to the Secretary, by whom 
 such report will be laid before the Standing Committee ; they shall repeat 
 their visits as often as the Committee may think the case requires. 
 
DISTRICT qOMMITTEBS. 
 
 111. To prevent the inconvenience attendant upon the payment of con- 
 tributions by, and allowances to, members residing at a distance from Had- 
 dington, the Society shall have power from time to time to divide the 
 County into districts, and the Benefit Members residing therein may elect 
 from their number a President and Treasurer, and also, if necessary, a 
 Clerk, any two of whom may act as delegates to the meetings of the So- 
 ciety at Haddington, whenever they think proper to attend. 
 
 112. The Treasurer of each Sub-Committee shall keep a Book, to be 
 named the District Cash-Book, in which he shall enter all the moneys 
 received and disbursed on account of the Society, with the names, resi- 
 dences, and ages of the persons giving or receiving any sum, and speci- 
 fying the purpose for which such sum is given or received. 
 
 113. The President, who may act as Clerk, shall also keep a Book, to be 
 called the District Roll and Minute Book, in which shall be entered the 
 names, residences, occupations, and date of birth and admission, of every 
 member within his district. He shall also regularly meet with the Trea- 
 surer once a-month, or oftener, if required, at the place of meeting in his 
 parish, or district, and see the contributions of the members paid, and write 
 a minute of each and every such meeting, mentioning the gross amount 
 then collected. 
 
 114. The President shall receive all applications for admission, with cer- 
 tificates of age, &c. as provided in Rule 17 ; shall exhibit a list of all 
 applicants in the usual place of meeting ; and shall, along with his Minute- 
 Book, and applications for allowance, send them to the Secretary at Had- 
 dington once a quarter, and at such other times as he may be desired by 
 the President or Vice-President for the month. The Treasurer shall also 
 send in his Book, and claims for aliment, to the office of the Treasurer at 
 Haddington once a- quarter. The President's order shall be held as a suf- 
 ficient receipt for the moneys disbursed by the Treasurer. 
 
 PRESIDENT AND VICE-PRESIDENTS. 
 
 115. The President (if a Benefit Member) is hereby vested with all the 
 powers conferred on the Vice-Presidents, who shall, in rotation, and in ad- 
 dition to any other duties specially imposed on them by any of the other 
 Rules, in the absence of the President, preside and keep order at all meet- 
 ings of the Society and Committee, — and generally conduct, or give orders 
 for conducting, all the affairs of the Society, to the best of their judgment 
 and ability, in conformity to the spirit and meaning of these Rules. 
 
20 
 
 TREASURER, 
 
 1 16. The Treasurer shall, in addition to the other duties specially impo- 
 sed on him by any of the other Rules, be present at all General and Com- 
 mittee Meetings of the Society from their commencement, collect all con- 
 tributions, fines, and other sums of every description due to the Society ; 
 attend at his office once a-week, for the purpose of paying the Sickness 
 and other allowances, at such day and hour as the Committee may from 
 time to time appoint ; pay out of the funds at the time in his hands, all 
 lawful demands on the Society, and take proper vouchers for the same ; 
 regularly enter all receipts and disbursements in the Society's books ; and 
 lodge in the Bank appointed by the Society, all the Society's moneys, up- 
 on an account in the name of the Treasurer and Trustees of the Society, or 
 otherwise dispose of them, as directed by the Society or Committee. 
 
 117. The Treasurer shall, before entering on the duties of his office, find 
 security, to the satisfaction of the Society, to such extent as shall from 
 time to time be required. 
 
 118. At each stated meeting of the Committee (and at any Extraordinary 
 Meeting if required), he shall submit his books, vouchers, &c to the in- 
 spection of the Committee. 
 
 119. He shall make out an abstract of his cash transactions, shewing 
 the balance in his hands, and the amount of funds in the possession of the 
 Bank, or of others, and lay the same before the Meeting of the Committee 
 immediately preceding the General Meetings, whose duty it shall be to 
 submit the same to the ensuing Meeting of the Society. 
 
 120. He shall balance his accounts on the 31st day of December an- 
 nually, and immediately thereafter make out a particular account of the re- 
 ceipt and expenditure of each of the funds during the past year, — of the 
 balances in hand, and of the moneys due to and by the Society, specifying 
 in whose hands the funds of the Society then are placed, and deliver the 
 accounts to the meeting of the Committee in February thereafter, for the 
 purpose of being handed over to the Auditors. 
 
 121. A true abstract of the accounts, attested by the Auditors, as after 
 mentioned, and countersigned by the Secretary, and containing the par- 
 ticulars mentioned in the preceding Rule, shall be delivered to every mem- 
 ber, seven days previous to the Annual General Meeting in June, on 
 payment of a sum not exceeding Threepence, and a copy thereof shall be 
 preserved in the Treasurer's books. 
 
 122. The Treasurer shall, in terms of the 34th section of the 10th Geo. 
 IV. cap. 56, within three months after the expiration of the month of De- 
 cember 1835, and so again within three months after the expiration of 
 every further period of five years, make up and transmit to the Clerk of 
 the Peace for the County, a return of the rate of sickness and mortality 
 experienced by the Society, within the before mentioned period of five 
 years, according to the form prescribed in the schedule appended to the 
 Act, and hereto annexed. 
 
 123. In order that the above mentioned return maybe made up as accu- 
 rately as possible, it shall be the duty of every Member who shall at any 
 time after his or her admission, change his or her usual occupation, to give 
 notice thereof to the Secretary, in writing, within one month after every 
 such change, under the penalty of Sixpence for every such neglect. 
 
91 
 
 SECRETARY. 
 
 124. The Secretary shall, in addition to the other duties specially im- 
 posed on him by any of the other Rules, attend all meetings of the Society, 
 and of its Committees, — issue all the notices for convening General and 
 Committee Meetings, — keep the Society's minute and letter books, — care- 
 fully preserve all the correspondence and documents of the Society com- 
 mitted to him, and enter regularly the minutes of all General and Com- 
 mittee Meetings, and sign the same along with the Chairman of the Meet- 
 ing, after they have been approved of. He shall particularly state, in the 
 minutes of the monthly meetings of the Committee, the sums received, 
 and the sum expended, during the preceding month, and each quarter he 
 shall shew the balance of the Society's total stock, whether in the Bank, 
 the Treasurer's hands, or otherwise. 
 
 125. He shall produce the scroll minute-book at every General and Com- 
 mittee Meeting, and the principal minute-book at every General Meeting ; 
 and, at the same time with the Treasurer, deliver all his books into the 
 hands of the Committee, for the use of the Auditors. 
 
 AUDITORS. 
 
 126. The duty of the Auditors shall be, to examine annually the whole 
 books, accounts, and vouchers of the Society for the preceding year, and 
 report thereon ; for which purpose the same, made up, as already directed, 
 to the 31st day of December annually, shall, on or before the 1st day of 
 March thereafter, be laid before them for inspection, at such place as the 
 Committee may appoint. As soon as they have completed their exami- 
 nation, which must be on or before the 1st day of April annually, they 
 shall inform the President, and return the books to the respective custodiers 
 thereof. 
 
 MEDICAL OFFICER. 
 
 127. The Medical Officer shall examine all applicants for admission to 
 the benefits of the Sickness or Life Assurance Funds, and report his opinion 
 of their state of health and eligibility to the Committee ; blank forms shall 
 be furnished to him by the Society for that purpose. 
 
 128. The medical certificates required by these rules to be transmitted 
 by Members claiming the Sick Allowance, and resident in the country, shall 
 be handed over monthly to the Medical Officer, who shall return the same, 
 with any observations that may occur to him thereon. 
 
 ACCOUNTANT. 
 
 129. The Accountant shall, once a-year at least (or oftener if required by 
 the Society or Committee), examine the whole books exhibiting the pecu- 
 niary transactions of the Society, and report on the state in which he may- 
 find the same, and make the periodical investigations of the Society's affairs. 
 He shall also examine and certify the Treasurer's Annual Abstract of the 
 Society's affairs. 
 
TRUSTEES. 
 
 130. The Trustees appointed in manner foresaid, of whom any three shall 
 be a quorum, shall hold the investment of the funds of tiie Society for the 
 greater security thereof, in terms of the 12th branch of these Rules, s.nd 
 shall obey all the lawful orders of the Committee and General Meetings of 
 the Society in regard to the uplifting, discharging, and reinvesting the 
 funds, and shall be fully exonerated and discharged upon their acting in 
 conformity to such orders ; and they shall not be answerable for the acts of 
 the Committee. 
 
 X. BOOKS. 
 
 131. In the first instance, the Standing Committee shall prescribe the 
 particular form in which the respective books are to be written out, and 
 may order alterations when they judge proper ; but, at the General Meet- 
 ing in June 1832, the forms shall be fixed, and not afterwards altered, un- 
 less on a motion made and seconded at one General Meeting of the Society, 
 and carried by a majority either of the next General Meeting, or of any 
 Committee specially appointed for that purpose. 
 
 132. All Books and other Documents necessary for transacting the busi- 
 ness of the Society, shall be produced at the different meetings by the 
 Officers, whose duty it may be to keep the same ; and, whenever office- 
 bearers go out of office they shall be bound to return to the Secretary any 
 books or documents they may have received officially during their admi- 
 nistration. 
 
 133. All the Books, Documents, or Papers belonging to the Society, shall 
 be open to the inspection of every member who may desire to see the same, 
 or to take extracts therefrom, at such times as the Committee, on appli- 
 cation from the member wishing such access, shall deem reasonable. 
 
 134. Any Office-bearer refusing to shew such Books, Papers, or Docu- 
 ments, either to any member who may desire to see them, in manner above 
 mentioned, or to the arbitrators, in any arbitration, or who shall refuse to 
 allow any member, or arbitrator, to take extracts therefrom, shall, on proof 
 thereof before the Committee, be dismissed from his situation, unless a 
 satisfactory cause can be shewn why such books, papers, or documents 
 were withheld. 
 
 135. It shall be the duty both of the Treasurer and Secretary to keep a 
 book, to which shall be appended a copy of the Act 10th Geo. IV. c. 56, 
 which shall contain not only the whole laws now enacted for the management 
 of the affairs of the Society, but also all alterations and amendments thereof, 
 or additions thereto ; and the names of all persons, either medical or others, 
 appointed as arbitrators, in terms of the powers herein contained ; one or 
 other of which books shall be open to the inspection of every member, at 
 every meeting of the Society, and at the times appointed for receiving con- 
 tributions, and paying the sick-money and other allowances. 
 
 1 
 
XI. ARREARS. 
 
 136. If any member run in arrear for eleven months, a written notice of 
 the amount, signed by the Treasurer, shall be transmitted to such member 
 by post or otherwise, at least three weeks previous to the ensuing Monthly 
 Meeting for receiving contributions. 
 
 137. If the said notice, from the member not having furnished his proper 
 address, or otherwise, do not reach him, he shall notwithstanding be held 
 to know the rules of the Society, and be liable to all the penalties incurred. 
 
 138. Any member being twelve months in arrear, whether his or her con- 
 tributions be payable monthly, quarterly or annually, shall then be deemed 
 to have deserted the Society, and shall forfeit all right to any benefit from, 
 or interest in, the Funds. 
 
 139. Whenever a member shall forfeit his interest in the Society, his right 
 and that of his representatives in the funds, in the event of his sickness or 
 death, shall cease and determine ; neither shall the member, though after- 
 wards reponed, have any claim for such sickness as may have occurred in 
 the interval between his forfeiture and his being reponed. 
 
 140. The Treasurer shall, at each stated meeting of the Committee, re- 
 port whether any and what members had, at the previous collection, for- 
 feited their interest in the Society, which forfeiture shall be entered in the 
 minutes of the said meeting. 
 
 141. It shall be in the power of the Committee to repone any town mem- 
 ber within one month after forfeiture, upon payment of a fine of One Shil- 
 ling ; and if a country member be struck off the roll for non-payment, and 
 it be proved to the satisfaction of the Committee, within two months from 
 the period when the money ought to have been paid, that it was owing to 
 the fault of an agent or unforeseen delay in the arrival of the remittance, 
 he shall be again placed on the roll, upon paying a fine of One Shilling 
 Sterling. 
 
 142. No contributions shall be inserted in the books but at a Monthly 
 Meeting, and on no account shall partial payments be received, unless in 
 the case of a member in arrear claiming sick-money, whose first week's al- 
 lowance does not amount to the sum he is due, but which must neverthe- 
 less be retained according to Rule 54. 
 
 XII. DISPUTES AND ARBITRATION. 
 
 143. All matters in dispute between this Society, or any person acting 
 under them, and any individual member thereof, or person claiming on ac- 
 count of any member, shall be submitted and referred to Arbitrators nomi- 
 nated by the Society, in terms of the Act 10th Geo. IV. cap. 56. sect. 27. 
 
 144. The number of Arbitrators to be appointed for this Society shall be 
 Ten, to be chosen by the Society, at their first stated meeting after the en- 
 rolment of these Rules, from among persons who are not benefit members, 
 and consequently not beneficially interested, directly or indirectly, in the 
 
funds of the Society, three of whom shall be chosen in manner after men- 
 tioned, in each case of dispute, at any Meeting of Committee, to which the 
 parties interested shall be summoned to attend ; and the award to be made 
 by the said Arbitrators, or the major part of them, shall be binding and 
 conclusive on all parties, and shall be final to all intents and purposes, 
 without appeal, or being subject to the control of one or more Justices of 
 the Peace, and shall not be removed or removable into any court of law, 
 all in terms of the aforesaid Act, sect. 27. 
 
 145. Immediately after the election of the said Arbitrators, their ap- 
 pointment shall be notified to them ; and, in case of the death, or refusal, 
 or neglect of the said Arbitrators to act, the Society shall, at their next 
 meeting, name and elect one or more Arbitrator or Arbitrators, as afore- 
 said, to act in the place of the said Arbitrator or Arbitrators so dying, or 
 refusing, or neglecting to act as aforesaid. 
 
 146. Any member considering himself aggrieved, shall first apply to the 
 Committee for redress ; if he do not receive satisfaction there, he may ap- 
 peal to a General Meeting. If he continue to complain, he may demand 
 an arbitration, which shall be conducted in the following manner: — 1. It 
 must be demanded, of the Committee, in writing, within one month after 
 the date of the General Meeting of whose decision complaint is made. 
 
 2. The Committee shall comply with such demand for arbitration within 
 three weeks, and, having summoned the party complaining to attend, shall 
 choose the three Arbitrators, in manner following, — that is to say, the 
 names of the whole ten Arbitrators shall be written out each on a slip of 
 paper, and rolled up, and deposited in a box, from which the party com- 
 plaining, if present, or if absent, then the Chairman of the Committee, shall 
 draw three, who shall be the Arbitrators for deciding the case in dispute. 
 
 3. In the event c r the absence from town, or indisposition of any of the 
 arbitrators 6o balloted, or their refusing to act, the Committee shall, within 
 ten days from their previous meeting, proceed, in the manner above men- 
 tioned, to ballot from the remaining number of arbitrators, one or more, as 
 shall be necesscry to make up the required number for settling the matter 
 in dispute. 
 
 147. The Arbitrators thus named shall meet within two weeks after their 
 appointment, to consider the matter in dispute. There shall be no written 
 pleadings or statements ; but the two parties shall state the case in each 
 other's presence ; and, if witnesses be necessary, no member of the Society 
 shall refuse to appear, and answer any questions which may be put to him 
 or her, respecting the point in dispute, without forfeiting a sum equal to 
 that in dispute, which shall be levied or deducted in the manner prescribed 
 by the next Rule. The arbitrators shall besides have free access to all the 
 books and documents wh^ch they may wish to inspect Having maturely 
 deliberated on the subject, they shall, within six weeks from their appoint- 
 ment, pronounce their award (which shall be in the form prescribed by the 
 Act of Parliament, and hereto appended, No. VI.), according to the true 
 purport and meaning of the Rules of the Society, confirmed by the Justices 
 according to the directions of the Act. 
 
 148. The portion of the expense of said arbitration to be charged to any 
 member shall not exceed Ten Shillings; but the whole sum shall be paid, 
 
 3 
 
25 
 
 in the first instance, by the Treasurer of the Society, leaving it to the Ar- 
 bitrators to determine whether any part of such expense shall be charged 
 to the individual member ; in which case, such part shall be placed to his 
 debit, and levied along with his first monthly, quarterly, or annual contri- 
 bution, or deducted from the first benefit to which he may become en- 
 titled. 
 
 149. If any person who has been receiving benefit from the Sickness 
 Fund, and who shall be declared by the Visiting Director or Society's Me- 
 dical Officer sufficiently recovered to resume his employment or ordinary 
 occupation, shall be dissatisfied with such declaration, he may, on his be- 
 half, call in any professional person, being a Member of the Royal College 
 of Surgeons, or a Member or Licentiateof the Royal College of Physicians, 
 to give his opinion as to his fitness, or otherwise, to resume his said em- 
 ployment or usual occupation. Should such person and the Society's Me- 
 dical Officer be unable to agree, the question shall be decided in manner 
 following, viz. : — The Society shall, in the same manner in which, by 
 the foregoing Rules, they are appointed to choose Arbitrators for the set- 
 tlement of other matters of dispute, name three persons, Members of the 
 Colleges of Physicians or Surgeons, or Licentiates of the former College ; 
 one of whom shall, in each such disagreement of opinion, be chosen by 
 ballot ; and the award of the person so chosen shall, after having examined 
 the member, and heard the opinions of the other professional men, be con- 
 sidered decisive of the question as to the health of the complaining mem- 
 ber. The Treasurer shall, immediately after the case is decided, pay the 
 person so balloted a fee of Ten Shillings'; and he shall at the same time de- 
 termine whether any portion of such fee ought to be incurred by the com- 
 plaining member, in which case such portion shall be levied or deducted 
 in the manner pointed out by the preceding Rule. 
 
 150. In order to prevent the Management Fund from being wasted in 
 law expenses, or in any way diverted from its proper purposes, no law pro- 
 ceedings shall be instituted by any Office-bearers without the authority of 
 a General Meeting. 
 
 XIII. INVESTMENT OF THE FUNDS. 
 
 151. All real and heritable property, moneys, goods, chattels, and 
 all titles, securities for money, or other obligatory instruments and evi- 
 dences, or muniments, and all other effects whatever, and all rights and 
 claims belonging to, or bad by, this Society, shall be, and are hereby, 
 vested in the Treasurer for the time being, or in such Trustees as the 
 General ! Meetings of the Society may from time to time appoint, for 
 the use and benefit of this Society, and the respective members thereof, 
 and their respective executors or administrators, according to their respec- 
 tive claims and interests ; and, after the death or removal of any Trea- 
 surer, Trustee, or Trustees, shall vest in the succeeding Treasurer, Trus- 
 tee or Trustees, for the same estate and interest as the former Treasurer, 
 Trustee or Trustees, had therein, and subject to the same trusts, without 
 any assignment or conveyance whatever, except the transfer of stocks and 
 securities in the public funds of Great Britain and Ireland. 
 
 152. Whatever money the Treasurer has in hand when contributions 
 
26 
 
 have been received, more than what the Vice-President and Directors 
 judge requisite for defraying the current expenses, shall be forthwith de- 
 posited in the Bank appointed by the Committee, in name of the Trea- 
 surer and Trustees of the Society ; directions being given to the Bank, 
 that no sum of L. 20, or under, shall be given out, except on an order 
 signed by the Treasurer, a Vice-President, and the Secretary ; and that no 
 sum above L. 20 shall be given out without the additional signature of two 
 of the Trustees ; and it is hereby expressly declared, that no money shall 
 be drawn, except under the previous authority of the Committee ; and the 
 Treasurer and Secretary shall, in every case, give the Trustees an extract 
 of the minutes, containing their authority to sign the order for drawing 
 the money as aforesaid ; and all moneys, when drawn from the Bank, as 
 aforesaid, shall be under the management and direction of the Committee. 
 
 153. All money received by the Treasurer, shall, if the sum amount to 
 L. 5, or upwards, be forthwith deposited in the Bank, unless otherwise or- 
 dered by virtue hereof, such Bank being one of those specified in the 13th 
 section of the act. 
 
 154. Money may be lent on real or heritable security, provided a majo- 
 rity of the members present at a stated meeting of the Society shall autho- 
 rize it ; that a higher interest than what can be obtained from a bank, or 
 from the public funds, be promised, payable half-yearly; that two credit- 
 able men of business, not members of the Society, assure the Society, un- 
 der their subscriptions, that, in their opinion, the property is worth double 
 the sum, after deducting all previous burdens on it, or that the security is 
 good ; the granters of the bond paying for the expense of a full and suffi- 
 cient search, and all other expenses. 
 
 155. Money may be deposited in the Bank of England, or in the public 
 funds of Great Britain, by the authority of a majority of the members pre- 
 sent at a stated meeting of the Society. 
 
 156. All moneys belonging to this Society, deposited in the Bank of 
 England, under the authority of the 31st section of the 10th Geo. IV. 
 cap. 56, shall be invested in the names of the Treasurer or Trustees to 
 be appointed as aforesaid. 
 
 157. Interest shall be drawn yearly (or half-yearly if agreed upon) by the 
 Treasurer, on all money lent out by the Society, whether the same be in- 
 vested in the Bank of England, or remain in the current Bank account, or 
 otherwise ; and he shall be accountable to the Society for any loss which 
 may be sustained by his negligence in this particular. 
 
 158. All the interest, dividends, and profits, which may accrue on the So- 
 ciety's stock shall be divided between the several funds, in the proportion 
 which the stock in possession of each fund for the time shall bear to the 
 total stock of the Society ; and, in like manner, the loss of interest that 
 may be sustained by the drafts made on the Bank-account, if any, shall 
 fall on the several funds, in the proportion which the payments from each 
 fund shall bear to the total payments from all the funds during the year, 
 when such profits shall have been made or losses sustained. All other 
 losses on the proper funds of the Society, if any such shall occur, shall be 
 allocated in proportion to the stock of each particular fund, with the ex- 
 ception of the Honorary Fund, which, it has been already provided, is to 
 be kept separate and distinct. 
 
27 
 
 159. The titles and securities of all moneys belonging to the Society, that 
 may be invested in the Bank of England, in the public funds, or other 
 securities, shall be taken in the names of the Treasurer or Trustees of 
 the Society for the time being, and their successors in office ; and al- 
 though it is declared by Rule 151, and under the authority of the said act 
 of Parliament, that all titles and securities for moneys belonging to the So- 
 ciety, except those vested in the public funds, shall vest in the succeeding 
 trustees without any assignment or conveyance whatever, yet, notwith- 
 standing thereof, but for the greater security and convenience, and in or- 
 der to avoid disputes with third parties, it is hereby provided and declared 
 that the surviving Trustees or Trustee, or Treasurer, in whose names the 
 titles or securities of the funds of the Society, or any part thereof, may 
 etand vested for the time, shall from time to time, and at all times when 
 required by the Committee or General Meetings of the Society, transfer, 
 assign, and convey, in a legal and habile manner, into their own names, and 
 the names of the other persons who may have been nominated Trustees, 
 for the time, jointly, and their successors in office, the whole funds, stock, 
 and sums of money which may be standing vested in the names of such 
 surviving Trustees or Trustee, as aforesaid, in trust for the use of the So- 
 ciety, and of the different members thereof, according to their several rights 
 and interests. 
 
 XI7. INVESTIGATIONS OF THE AFFAIRS OF THE SO- 
 CIETY, AND ADJUSTMENT OF THE FUNDS. 
 
 160. Distinct accounts shall be kept for ascertaining the amount of the 
 stock belonging to each fund separately, and the progress thereof and the 
 charges affecting the same, and for shewing the net amount of each fund, 
 and the casualties and occurrences in the society from time to time. 
 
 161. The books shall be balanced at the 31st December annually ; and 
 there shall also be periodical investigations of the affairs of the Society, 
 to ascertain if the funds in possession be equal in value to the amount es- 
 timated as necessary, along with the future contributions, for meeting all 
 the stipulated allowances, such value being calculated according to the 
 Tables hereto annexed. 
 
 162. The first investigation shall be on the 31st December 1835, and 
 there shall be investigations at the end of every five years thereafter, and 
 if it shall appear, at any of these periods of investigation, that there is a 
 surplus in possession of any of the funds of the Society, over and above 
 the sum or stock estimated to be required, along with the future contribu- 
 tions, to meet the expected claims on such funds, to the extent of 25 per 
 cent, of such estimated stock, it shall be in the power of the Society, in a 
 Meeting assembled for the purpose, to make an equivalent deduction from 
 the future contributions of the existing members of such fund ; or if it shall 
 appear, as aforesaid, that there is a deficiency, in any one of the funds, of 
 the stock required, along with the future contributions to meet the expected 
 claims on such fund, it shall, in like manner, be in the power of the Society 
 so assembled, to make an equivalent addition to the future contributions, 
 
28 
 
 or to diminish the benefits of the members of such deficient fund, such de- 
 duction or addition being made according to the calculations exhibited in 
 the Tables and relative explanations hereto annexed, and declared to be 
 part of these Rules : Provided always that the Accountant, or other per- 
 son or persons to whom the Committee, if necessary, may have remitted 
 the investigation of the affairs of the Society, shall report that the addi- 
 tions or deductions proposed to be made are just and proper, and will not 
 endanger the stability of the fund ; and farther provided, that care is taken 
 always to reserve at least one-third of the surplus (when such is ascertain- 
 ed to exist) for answering contingencies ; and if the order made by a Meet- 
 ing of the Committee for an adjustment of any of the funds as aforesaid, 
 be approved of by a General Meeting of the Society, the same shall be car- 
 ried into effect forthwith. 
 
 163. In the event of a deficiency at any time arising in the stock of any 
 particular fund or funds, the stock of the other fund or funds shall on no 
 account be taken to make up such deficiency. 
 
 XV. ALTERATIONS AND AMENDMENTS. 
 
 164. None of these Rules shall be altered, rescinded, or repealed, nor 
 shall any additional Rules be made, unless at a General Meeting of the 
 Society, convened by public notice, signed by the Secretary, in pursuance 
 of a requisition for that purpose, by seven or more of the members, which 
 said requisition and notice shall be publicly read at the two usual meetings 
 of the Society, to be held next before such General Meeting, for the pur- 
 pose of such alteration, repeal, or addition, unless a Committee shall have 
 been nominated for that purpose at a General Meeting of the members 
 convened in manner aforesaid, in which case such Committee shall have 
 the like power to make such alterations or repeal, or additions, and unless 
 such alterations, or repeal, or additions, shall be made with the concurrence 
 and approbation of three fourths of the members then and there present, 
 or by the like proportion of such Committee, as aforesaid, if any shall have 
 been nominated for that purpose. 
 
 XVI. DISSOLUTION OF SOCIETY. 
 
 165. This Society shall not, at any time, be dissolved, as long as the in- 
 tents or purposes declared by these Rules, or any of them, remain to be 
 carried into effect, without obtaining the votes of consent of five-sixths in 
 value of the then existing members ; and also the consent of all persons 
 then receiving, or then entitled to receive, relief from the Society, either 
 on account of sickness, age, or infirmity, to be testified under their hands, 
 individually and respectively ; and for the purpose of ascertaining the votes 
 of such five-sixths in value, every member shall be entitled to one vote, 
 and an additional vote for every five years that he or she may have been a 
 member, provided that no one member shall have more than five votes in 
 whole ; and that the intended appropriation, or division, of the funds, or 
 other property of the Society, shall be fairly and distinctly stated in the 
 proposed plan of dissolution, prior to such consent being given. 
 
29 
 
 PENALTIES. 
 
 Rule 15. For producing other evidence of age than a parish certificate 
 
 when such could have been obtained, 5s. . . . P 4 
 
 For making a wilfully false statement of age, all benefit from 
 
 the Funds forfeited, ib. 
 
 22. For not commencing payment of contributions at third meet- 
 ing after admission, entry-money forfeited, ... 5 
 
 30. Neglecc of notice to change mode of contributing, Is. . 6 
 
 33. Non-payment of contributions, one penny per month for every 
 
 10s. or under that may be due, 7 
 
 57. Neglect to pay Member's Sick Allowance, 6d. per share for 
 
 each week's delay, 11 
 
 59. For expense of appeal to Society, if opinion of Commitee with- 
 holding the allowance be sanctioned, per share 2s. . 12 
 
 63. For being intoxicated while receiving benefit — first offence 
 one week's allowance ; if repeated, deprivation of benefit 
 during that sickness, ib. 
 
 80. For not claiming sum due from Life Assurance Fund within 
 
 two years of Member's death, claim forfeited, ... 14 
 
 87. For absence at the commencement of the general meeting in 
 
 June, being the election meeting, 6d 15 
 
 89. For neglecting to give notice of a change of residence, 6d. 16 
 
 100. For directing an unnecessary meeting of the Society or Com- 
 mittee to be called ; each requisitionist Is. 17 
 
 123. For neglecting to notify a change of occupation, 6d. . . 20 
 
 134. Any office-bearer refusing, improperly, to shew the books, shall 
 
 be dismissed, 22 
 
 138. Any Member being 12 months in arrear, shall forfeit his inte- 
 rest in the Funds, 23 
 
 147. Any Member refusing to appear in an arbitration, shall forfeit 
 
 a sum equal to that in dispute, . 24 
 
30 
 
 EXPLANATIONS of the following TABLES. 
 
 Table I. (Sickness Fund) contains both the values at any age from 
 19 to 50, of a Sick Allowance of 5s. per week, commencing after 
 that age, and continuing till 60 *. 
 
 Table II. (Deferred Annuity Fund) contains both the values, and also 
 the Annual and Monthly Payments at any age from 19 to 50, of an 
 Annuity of L. 4, to commence being payable at 61 years of age, and to 
 continue during the remainder of life. 
 
 Table III. (Life Assurance Fund) contains the values and also the 
 Annual and Monthly Payments, at any age from 19 to 50, of an 
 allowance of L 5 at death, to be paid whenever that event takes place. 
 
 Table IV. (Balancing Table) contains the values at any age from 19 
 to 95 of an Annuity of L 1, or the sums equivalent to an Annual Pay- 
 ment of L 1 during life ; also o.f Annuities of L 1 continuing till 60 
 and 65 years respectively. 
 
 Table V. (Redemption Table) contains the Annual and Monthly Con- 
 tributions, commencing at any given Age betwixt 19 and 60. and con- 
 tinuing till 60, equivalent to a Single Payment of L 1 at the given Age : 
 — In Col. 1. are the Annual Contributions, and in Col. 2. the Monthly 
 Contributions till 60. 
 
 The following are a few examples of the uses of the Tables : 
 I*/, Suppose that it is required to know the sum to be paid down at 26 
 years of age or the Annual or Monthly Contributions for a Male person 
 of that age, to secure the benefit of one share in the Sickness Fund, (see 
 Rule 35), till 60 years of age, an Annuity of L 4 during life after that 
 age, and L 5 to be paid at death, we find opposite the age 26, in 
 
 Single Payment. Annual Payment. First Month. Other Months. 
 
 Table I. L 5 7 L.O 6 6 L.O 1 L.O 6 
 
 II. 5 10 5 6 8f 9J 6£ 
 
 III. 1 J2 10J 2 2 2 
 
 L.12 10 3i L.O 15 2f L.O 1 11J L.O 1 2£ 
 
 2d, If, after contributing a number of years, a person required to know 
 the value of his future contributions, or the Society wanted to know the 
 value of an Annuity after being payable some time, it is only necessary 
 to multiply the values at the given age in the corresponding column of 
 Table IV. by the Annual Contribution given, and the sum is obtained. 
 Again, to know the value of the past contributions, it is only necessary, 
 after doing as before, to subtract the sum given from the value of the 
 given allowance at the same age. 
 
 Thus, if a person commences at 26 years of age, paying for the Sick 
 Allowance of 5s., the Annual Payment of 6s. 6d., or (converted in man- 
 ner explained at foot of page 36) L .3250, and continues paying till 40, 
 the value of his future contribution is found, by taking the sum in Col. 3. 
 
 • By CO, is always meant the completion of CO years of age. 
 
31 
 
 Table IV., opposite 40, L 12.5837, and multiplying it by L .3250 ; and 
 the product L. 4.0897 is the value required ; and if we subtract this sum 
 from L 5, 18s., or L. 5.9000, the Single Payment opposite 40 in Table I., 
 we have L 1.8103, the value of the past contributions. Or perhaps these 
 examples will be better understood if shewn in the following detail : — 
 
 Thus, were a person to enter the Society at 26 } r ears of age, for a weekly sick 
 allowance of 5s. till the age of CO, and to pay an Annual Contribution of L 0.3250 
 (6s. 6d.) as required by Table I., for 14 years, or till the age of 40, and should he 
 then wish to know the amount of the Single Payment required to supersede all 
 farther Annual Contributions — What would that Single Payment be ? 
 
 Ans The Annual Contribution he is then paving is, as stated above, (6s. 6d-) 
 
 (Table I.) . . . . . L 0.3230 
 
 The number of years' purchase which it is worth at the age of 40, 
 (Table IV. Co'l. 3.) or the value of an Annuity of L 1 till 60, is 
 (L 12: 11: 8), . . • • . 12.5837 
 
 And this being multiplied by the former, the product is the value of his 
 
 Future Contributions, or the sum he has to pay, (L 4 : 1 : 9A,) L 4.0897 
 
 Again, were the value of his Past Contributions wanted to be known, then, as 
 the value of the Future Distributions, or Single Pavment, (Table I.), is 
 (L5, 18s v ) ...... L 5.9000 
 
 And the value of his Future Contributions, as above, (L4 : 1 : 9|) 4.0897 
 
 The difference (L. 1:16: 21), . . . . L 1.8103 
 
 is the value of his Past Contributions, or the stock he should then have 
 in the Sickness Fund ; and a proportion of this last sum, not exceed- 
 ing two-thirds, after deduction of arrears, a member thus situated 
 
 would be entitled to receive, on withdrawing from the Society 
 
 See Rule 40. 
 
 Hence it is evident, that as the Future Distributions or Allowances to a member 
 who entered at 26 years of age, and is now 40, is calculated at . L. 5 18 
 
 This sum must be made up, 
 
 1st, By his stock then in the funds, of . L. 1 16 2i 
 
 2</, By either a Single Pavment, or Future Annual 
 
 Contributions, to the value of . 4 1 9i 
 
 Which will, of course, balance his contributions in the Sickness Fund, 
 
 by amounting to the above sum of . . . L. 5 18 
 
 3d, If it is wanted to know the value of any person's Annuity of L 4 
 when he has arrived at 75 years of age, we multiply the sum iii Col. 1. 
 of Table IV. opposite 75 by 4, and we have the amount (L. 6.0737 X 4) 
 L 24.2948, or L. 24 : 5 : 10J. 
 
 4//*, If a person wishes to reduce his Annual or Monthly Contribu- 
 tions, he may readily ascertain, by Table V., how much a payment of 
 L 1 will reduce, and, of course, any other sum. Thus, if he wishes to 
 know how much L. 2, at the age of 37, will diminish his Annual or 
 Monthly Payments till 60, he finds, opposite 37, L 0.07371, and 
 L. 0.00614, which multiplied by 2, make L. 0.14742, and 0.01228, or 
 2s. ll^d. for the Annual, and nearly 3d. for the monthly reduction. 
 
32 
 
 TABLE I. 
 SICKNESS FUND. 
 
 FOR MALES ONLY. 
 
 
 ONE SHARE OF SICK ALLOWANCE. 
 
 
 
 5s. per Week till 60. 
 
 
 Age 
 
 CONTRIBUTIONS AND BENEFITS CEASE AT 60. 
 
 
 next 
 birth- 
 day. 
 
 
 
 Single 
 Payment. 
 
 Annual 
 Payment. 
 
 First 
 Month. 
 
 Other 
 Months. 
 
 
 £ s. d. 
 
 £ s. d. 
 
 £ s. d. 
 
 £ 
 
 s. d. 
 
 19 
 
 5 1 11 
 
 5 9 
 
 8i 
 
 
 
 51 
 
 20 
 
 5 2 7 
 
 5 10i 
 
 10 
 
 
 
 51 
 
 21 
 
 5 3 3 
 
 5 Hi 
 
 11 
 
 
 
 5' 
 
 22 
 
 5 3 Hi 
 
 6 Of 
 
 7 
 
 
 
 6 
 
 23 
 
 5 4 8 
 
 6 2 
 
 8 
 
 
 
 6 
 
 24 
 
 5 5 5 
 
 6 3| 
 
 91 
 
 
 
 6 
 
 25 
 
 5 6 2| 
 
 6 4| 
 
 11 
 
 
 
 6 
 
 26 
 
 5 7 
 
 6 6 
 
 1 
 
 
 
 6 
 
 27 
 
 5 7 10 
 
 6 8 
 
 8| 
 
 
 
 6^ 
 
 28 
 
 5 8 74 
 
 6 9f 
 
 101 
 
 
 
 6i 
 
 29 
 
 5 9 51 
 
 6 11^ 
 
 1 
 
 
 
 61 
 
 30 
 
 5 10 34 
 
 7 n 
 
 81 
 
 
 
 7" 
 
 31 
 
 5 11 04 
 
 7 3i 
 
 10^ 
 
 
 
 7 
 
 32 
 
 5 11 10 
 
 7 5> 
 
 1 0| 
 
 
 
 7 
 
 33 
 
 5 12 8 
 
 7 8 
 
 9i 
 
 
 
 7£ 
 
 1\ 
 
 34 
 
 5 13 6 
 
 7 10 
 
 11' 
 
 
 
 35 
 
 5 14 4 
 
 8 2 
 
 10 
 
 
 
 8* 
 
 36 
 
 5 15 11 
 
 8 3| 
 
 1 
 
 
 
 8 
 
 37 
 
 5 15 10± 
 
 8 6i. 
 
 9 
 
 
 
 8. 
 81 
 
 38 
 
 5 16 6| 
 
 8 9i 
 
 1 
 
 
 
 39 
 
 5 17 4 
 
 9 l 2 
 
 10 
 
 
 
 <v 
 
 40 
 
 5 18 
 
 9 4^ 
 
 1 Li 
 
 
 
 9 
 
 41 
 
 5 18 71 
 
 9 8h 
 
 1 
 
 
 
 9i 
 
 42 
 
 5 19 Oh 
 
 10 0£ 
 
 10! 
 
 
 
 10 2 
 
 43 
 
 5 19 3i 
 
 10 5 
 
 1 3 
 
 
 
 10 
 
 44 
 
 5 19 4 
 
 10 91 
 
 12 
 
 
 
 10| 
 
 45 
 
 5 18 11 
 
 11 24 
 
 1 2| 
 
 
 
 11 
 
 46 
 
 5 18 3i 
 
 11 7 
 
 1 0$ 
 
 
 
 m 
 
 47 
 
 - 5 17 0| 
 
 12 
 
 1 0" 
 
 
 
 1 
 
 48 
 
 5 15 2 
 
 12 5| 
 
 1 h\ 
 
 
 
 1 
 
 49 
 
 6 12 n 2 
 
 12 10l 
 
 1 5" 
 
 
 
 1 01 
 
 50 
 
 5 9 3 
 
 13 3i 
 
 1 44 
 
 
 
 1 1 
 
 
 EXAMPLE. 
 
 
 A P 
 once, 
 of on< 
 tage, 
 
 erson entering this Scheme in his 20th year, will, for the small sum of £ 5 : 2 : 7 paid at 
 or for 'js. 1 * > + d . yearly, which is little more than l^d. a-week, be entitled to the benefit 
 ; share. A person at 26 will be required to pay £ 5, 7s. at once to secure the same advan- 
 or Gs. (id. yearly, which is Is. 7jd. a quarter, or l£d. per week. 
 
33 
 
 TABLE II. 
 DEFERRED ANNUITY FUND. 
 
 
 ONE 
 
 SHARE OF ANNUITY, 
 
 
 
 
 £ 4 annually, to commence with the Q\st Year. 
 
 
 
 ALL CONTRIBUTIONS TO CEASE WITH THE GOTH YEAR. 
 
 Age 
 
 
 RJAX.ZS. 
 
 
 
 FEMALES. 
 
 
 
 Age 
 
 next 
 birth- 
 day. 
 
 
 
 
 
 
 
 
 next 
 birth- 
 day. 
 
 Single 
 Payment. 
 
 Annual | First 
 Payment. .Month. 
 
 Other 
 Months. 
 
 Single 
 Payment. 
 
 Annual 
 Payment. 
 
 First 
 Month 
 
 Other 
 Months. 
 
 
 £ s. 
 
 d. 
 
 £ s. As. 
 
 d. 
 
 S. d. 
 
 £ s. d. 
 
 £ S. d. 
 
 s. 
 
 d. 
 
 5. 
 
 d. 
 
 
 19 
 
 3 17 
 
 6 
 
 4 2 
 
 6 
 
 4 
 
 
 4 16 10| 
 
 5 24 
 
 
 
 74 
 
 
 
 5 
 
 19 
 
 20 
 
 4 1 
 
 I'M 
 
 4 7|0 
 
 «k 
 
 44 
 
 
 5 2 4 
 
 5 91 
 
 
 
 9* 
 
 84 
 
 
 
 54 
 
 20 
 
 21 
 
 4 6 
 
 24 
 
 4 11 A 
 
 7* 
 
 4| 
 
 
 5 7 9 
 
 6 2i 
 
 
 
 
 
 6 
 
 21 
 
 22 
 
 4 10 
 
 H 
 
 5 3| 
 
 54 
 
 5| 
 
 
 5 13 2| 
 
 6 7 
 
 
 
 74 
 
 
 
 64 
 
 22 
 
 23 
 
 4 15 
 
 i a 
 
 1 4 
 
 5 710 
 
 6f 
 
 54 
 
 
 5 18 111 
 
 7 
 
 
 
 7 
 
 
 
 7 
 
 23 
 
 24 
 
 4 19 
 
 llf 
 
 5 1110 
 
 8 
 
 5| 
 
 
 6 4 HA 
 
 7 5 
 
 I 
 
 
 
 
 
 7 
 
 24 
 
 25 
 
 5 5 
 
 OfO 6 4 
 5 6 8|0 
 
 7i 
 
 6 
 
 
 6 11 4 
 
 7 11 
 
 1 
 
 0i 
 
 
 
 74 
 
 25 
 
 2G 
 
 5 10 
 
 9| 
 
 64 
 
 
 6 18 
 
 8 5 
 
 1 
 
 1 
 
 
 
 8 
 
 26 
 
 27 
 
 5 16 
 
 0f0 7 2 
 
 9 
 
 7 
 
 
 7 5 1 
 
 8 114 
 
 1 
 
 2 
 
 
 
 84 
 
 27 
 
 28 
 
 6 1 
 
 llf 
 
 7 7f 
 
 n 
 
 74 
 
 
 7 12 5f 
 
 9 64 
 
 
 
 oi- 
 
 
 
 9h 
 
 28 
 
 29 
 
 6 8 
 
 3 
 
 8 1|0 
 
 *\ 
 
 8 
 
 
 8 3f 
 
 10 2i 
 
 1 
 
 
 
 10" 
 
 29 
 
 30 
 
 6 14 
 
 10|0 8 840 
 
 11 
 
 8| 
 
 
 8 8 6| 
 
 10 10| 
 
 1 
 
 4 
 31 
 
 
 
 104 
 
 30 
 
 31 
 
 7 1 
 
 94'0 9 3| 
 
 10 
 
 9J 
 
 
 8 17 if 
 
 11 7| 
 
 1 
 
 U 
 
 
 
 114 
 
 
 
 31 
 
 32 
 
 7 9 
 
 140 9 mi 
 
 O4 1 
 
 9f 
 
 
 9 6 5 
 
 12 5 
 
 1 
 
 4 
 5 
 
 1 
 
 32 
 
 33 
 
 7 17 
 
 0£'0 10 8 1 
 
 04 
 
 I0i 
 
 
 9 16 31 
 10 6 8f 
 
 13 4 
 
 I 
 
 5 
 
 1 
 
 1 
 
 33 
 
 34 
 
 8 5 
 
 44|o 11 5il 
 
 11 
 
 11| 
 
 
 14 31 
 15 44 
 
 1 
 
 61 
 
 74 
 5 
 
 1 
 
 2 
 
 34 
 
 35 
 
 8 14 
 
 240 12 3| 1 
 
 1 
 
 1 01 
 
 
 10 17 9 
 
 1 
 
 
 3 
 
 35 
 
 30 
 
 9 3 
 
 6|0 13 2|1 
 
 2 
 
 1 1 
 
 
 11 9 5 
 
 16 6h 
 
 I 
 
 I 
 
 4i 
 
 36 
 
 37 
 
 9 13 
 
 4 
 
 14 3 1 
 
 5 
 
 1 2 
 
 
 12 1 8 
 
 17 9| 
 
 I 
 
 9! 
 
 1 
 
 54 
 
 37 
 
 38 
 
 10 3 
 
 9| 
 
 15 4| 1 
 
 n 
 
 1 3 
 
 
 12 14 9 
 
 19 31 
 
 1 
 
 10i 
 
 1 
 
 7 
 
 38 
 
 39 
 
 10 15 
 
 H 
 
 16 7fl 
 
 6 
 
 1 41 
 
 
 13 8 104 
 
 1 9| 
 
 2 
 
 4 
 1U 
 
 1 
 
 84 
 
 39 
 
 40 
 
 U 7 
 
 04 
 
 18 Oil 
 
 n 
 
 1 6 
 
 
 14 3 94 
 
 1 2 6f 
 
 I 
 
 1 
 
 104 
 
 
 
 40 
 
 41 
 
 11 19 
 
 8f 
 
 19 7|1 
 
 8 
 
 1 74 
 
 
 14 19 8 
 
 1 4 53 
 
 2 
 
 4 
 
 5| 
 
 2 
 
 41 
 
 42 
 
 12 13 
 
 2 
 
 114 2 
 
 1 
 
 1 9 
 
 
 15 16 54 
 
 1 6 8 
 
 2 
 
 4 
 44 
 
 2 
 
 24 
 
 5 
 
 42 
 
 43 
 
 13 7 
 
 5 
 
 1 3 33 2 
 
 2f 
 
 1 11 
 
 
 16 14 3\ 
 
 1 9 If 
 
 2 
 
 6| 
 
 2 
 
 43 
 
 44 
 
 14 2 
 
 6f 
 
 1 5 642 
 
 2 
 
 2 11 
 
 
 17 13 24 
 
 1 11 ll 4 
 
 3 
 
 04 
 
 2 
 
 74 
 11 
 
 44 
 
 45 
 
 14 18 
 
 74 
 
 1 8 l)2 
 
 H 
 
 2 4 
 
 
 18 13 3| 
 
 1 15 1 
 
 1 
 
 
 
 2 
 
 45 
 
 46 
 
 15 16 
 
 24 
 
 1 11 2 
 
 7 
 
 2 7 
 
 
 19 15 3* 
 
 I 18 9 
 
 3 
 
 54 
 
 3 
 
 24 
 
 64 
 Hi 
 
 46 
 
 47 
 
 16 14 
 
 9 
 
 1 14 413 
 
 2 
 
 2 10 
 
 
 20 18 54 
 
 2 2 111 
 
 1 
 
 
 
 3 
 
 47 
 
 48 
 
 17 14 
 
 7 
 
 1 18 343 
 
 5A 
 
 3 2 
 
 
 22 3 3 
 
 2 7 10J 
 
 4 
 
 3? 
 
 3 
 
 48 
 
 49 
 
 18 15 
 
 9 
 
 2 2 11 3 
 
 7" 
 
 3 7 
 
 
 23 9 81 
 
 2 13 73 
 
 4 
 
 4 
 
 71 
 
 4 
 
 54 
 
 49 
 
 50 
 
 19 18 
 
 3|2 8 514 
 
 04 
 
 4 04 
 
 
 24 17 10f 
 
 3 63 
 
 5 
 
 * 4 
 
 5 
 
 04 
 
 50 
 
 
 EXAMPLE. 
 
 
 EXAMPLE. 
 
 
 A person entering this scheme in his 20th 
 year, will, for the small sum of £4: 1 : 11 ■> 
 paid at once, or for 4s. 7|d. yearly, which is little 
 more than Id. a week, be entitled to the benefit 
 of one share. A person at -26 to reap the same 
 advantage, must pay £5 : 10: 5 at once, or 
 6s. Hid. yearly, or a traction more than lid. a 
 week. * 
 
 
 A person entering this scheme in her 20th 
 year, will, for the small sum of £ 5 : 2 : 4 paid 
 at once, or for 5s. 02(1. vearlv, which is little 
 more than l*d. a week, be' entitled to the benefit 
 of one share. A pers-m at 96 to reap the same 
 advantage is to pay £ 6, 18s. at once, or 8s. 5d. 
 yearly, or a fraction more than 2d. a week. 
 
TABLE III. 
 LIFE ASSURANCE FUND. 
 
 
 ONE SHARE OF LIFE ASSURANCE, 
 
 
 
 
 
 
 £ 5 at Death. 
 
 
 
 
 
 ALL CONTRIBUTIONS 
 
 ro CEASE WITH THE 
 
 60TH YEAR. 
 
 
 Age \ 
 
 MALES. 
 
 
 
 
 FEMALES 
 
 
 
 Age 
 
 
 
 
 
 
 
 
 
 
 next 
 birth- 
 
 birth- c . , 
 dav s mgle 
 Payment. 
 
 Annual 
 
 First 
 
 Other 
 
 Single 
 
 Annual 
 
 First 
 
 Other 
 
 Payment. 
 
 Month. 
 
 Months. 
 
 
 Payment. 
 
 Payment. 
 
 Month. 
 
 Months. 
 
 day. 
 
 £ s. 
 
 d. 
 
 £ s. d. 
 
 v. 
 
 d. 
 
 S. 
 
 d. 
 
 £ s. d. 
 
 £ 
 
 s. d 
 
 S. 
 
 d. 
 
 S. 
 
 d. 
 
 
 19 1 9 
 
 5 
 
 1 8 
 
 ) 
 
 34 
 
 
 
 14 
 
 
 1 4 6| 
 
 
 
 1 41 
 
 
 
 5 3 
 
 
 
 1 
 
 19 
 
 20 1 9 
 
 10 
 
 1 8| 
 
 
 
 4 
 
 
 
 14 
 
 
 1 4 104 
 
 
 
 1 54 
 
 
 
 64 
 
 
 
 1 
 
 20 
 
 21 1 10 
 
 H 
 
 19 
 
 ) 
 
 If 
 
 
 
 If 
 
 
 1 5 3 
 
 
 
 1 54 
 
 
 
 64 
 
 
 
 1 
 
 21 
 
 22 1 10 
 
 < i 
 
 "4 
 
 1 94 
 
 9 
 
 24 
 
 
 
 If 
 
 
 1 5 7| 
 
 
 
 1 6 
 
 
 
 x 2 
 
 
 
 14 
 
 22 
 
 23 1 11 
 
 H 
 
 1 10| 
 
 > 
 
 3 
 
 
 
 11 
 
 
 1 6 Of 
 
 
 
 1 64 
 
 
 
 2 
 
 
 
 n 
 
 23 
 
 24 1 11 
 
 H 
 
 1 I0f 
 
 ) 
 
 34 
 
 
 
 if 
 
 
 1 6 5f 
 
 
 
 1 7 
 
 I) 
 
 24 
 
 
 
 14 
 
 24 
 
 25 1 12 
 
 3| 
 
 1 n| 
 
 ) 
 
 H 
 
 
 
 13 
 A 4 
 
 
 1 6 11 
 
 
 
 1 74 
 
 
 
 3 
 
 
 
 H 
 
 25 
 
 26 1 12 
 
 10| 
 
 2 
 
 ) 
 
 2 
 
 
 
 2 
 
 
 1 7 4f 
 
 
 
 l 8 
 
 
 
 34 
 
 
 
 14 
 
 26 
 
 27 1 13 
 
 5J 
 
 2 Of 
 
 1 
 
 2| 
 
 
 
 2 
 
 
 1 7 104 
 
 
 
 1 83 
 
 
 
 H 
 
 
 
 H 
 
 27 
 
 28 1 14 
 
 o 4 
 
 2 14 
 
 ► 
 
 34 
 
 
 
 2 
 
 
 1 8 41 
 
 
 
 1 n 
 
 
 
 4| 
 
 
 
 14 
 
 28 
 
 29 1 14 
 
 74 
 
 2 24 
 
 1 
 
 44 
 
 
 
 2 
 
 
 1 8 1010 
 
 1 10 
 
 
 
 54 
 
 
 
 14 
 
 29 
 
 30 1 15 
 
 3| 
 
 2 31 
 
 I 
 
 24 
 
 
 
 24 
 
 
 1 9 4f 
 
 l 10f 
 
 
 
 6| 
 
 
 
 *S 
 
 30 
 
 31 1 15 
 
 111 
 
 2 44 
 
 > 
 
 31 
 
 
 
 n 
 
 
 1 9 1140 
 
 1 HfO 
 
 74 
 
 
 
 14 
 
 31 
 
 1 16 
 
 74 
 
 t) 2 5i 
 
 
 
 4 a 
 ^4 
 
 
 
 91 
 
 "4 
 
 
 1 10 610 
 
 2 040 
 
 24 
 
 
 
 2 
 
 32 
 
 1 17 
 
 34 
 
 2 6| 
 
 
 
 3 
 
 
 
 »4 
 
 
 1 11 Of JO 
 
 2 14 
 
 
 
 3| 
 
 
 
 2 
 
 33 
 
 34 1 17 
 
 11* 
 
 2 74 
 
 
 
 4 
 
 
 
 24 
 
 
 1 11 74 i© 
 
 2 24 
 
 
 
 H 
 
 
 
 2 
 
 34 
 
 35 1 18 
 
 74 
 
 2 8| 
 
 
 
 5| 
 
 
 
 24 
 
 
 I 12 21 
 
 2 3i 
 
 
 
 H 
 
 
 
 2 
 
 35 
 
 36 1 19 
 
 4 
 
 2 10 
 
 
 
 3| 
 
 
 
 2| 
 
 
 1 12 91 10 
 
 2 44 
 
 
 
 64 
 
 
 
 2 
 
 36 
 
 37 2 
 
 Of 
 
 2 114 
 
 
 
 51 
 
 p 
 
 2f 
 
 
 1 13 4| 
 
 2 5| 
 
 
 
 74 
 
 
 
 2 
 
 37 
 
 2 
 
 10 
 
 3 1 
 
 
 
 4 
 
 
 
 3 
 
 
 1 14 01 
 
 
 
 2 7 
 
 
 
 34 
 
 
 
 01 
 
 "8 
 
 38 
 
 2 1 
 
 n 
 
 3 23 
 
 
 
 °4 
 
 
 
 3 
 
 
 1 14 7| 
 
 
 
 2 8| 
 
 
 
 4 3 
 
 
 
 24 
 
 39 
 
 2 2 
 
 3| 
 
 3 U 
 
 
 
 4f 
 
 
 
 34 
 
 
 1 15 34 
 
 
 
 2 95 
 
 64 
 
 
 
 24 
 
 40 
 
 2 3 
 
 1 1 
 
 1 4 
 
 3 6| 
 
 
 
 3f 
 
 
 
 34 
 
 
 1 15 11 
 
 
 
 2 1140 
 
 7! 
 
 
 
 24 
 
 41 
 
 42 2 3 
 
 I0| 
 
 3 84 
 
 
 
 6 
 
 
 
 34 
 
 
 1 16 7 
 
 
 
 3 1 
 
 
 
 4 
 
 
 
 3 
 
 42 
 
 43 2 4 
 
 9 
 
 3 10§ 
 
 
 
 H 
 
 
 
 H 
 
 
 1 17 34 
 
 
 
 3 3 
 
 
 
 6 
 
 
 
 3 
 
 43 
 
 44 2 5 
 
 74 
 
 4 14 
 
 
 
 H 
 
 
 
 4 
 
 
 1 13 04 
 
 
 
 3 5| 
 
 
 
 8| 
 
 
 
 3 
 
 44 
 
 45 2 6 
 
 6| 
 
 4 44 
 
 
 
 51 
 
 
 
 4,1 
 
 
 1 18 91 
 
 
 
 3 7 3 
 
 
 
 51 
 
 
 
 34 
 
 45 
 
 46 . 2 7 
 
 4:] 
 
 i) 4 n 
 
 
 
 6| 
 
 
 
 44 
 
 
 1 19 6 
 
 
 
 3 104 
 
 
 
 8 
 
 
 
 34 
 
 46 
 
 47 2 8 
 
 3. 
 
 !) 4 ll| 
 
 
 
 7 4 
 
 
 
 4:; 
 
 
 2 3 
 
 
 
 4 1| 
 
 
 
 5 ! 
 
 
 
 4 
 
 47 
 
 I S 9 
 
 2| 
 
 5 3| 
 
 
 
 6 
 
 
 
 H 
 
 
 2 1 04 
 
 
 
 4 5 4 i 
 
 
 
 94 
 
 
 
 4 48 
 
 2 10 
 
 -,' 
 
 5 81 
 
 
 
 <''', 
 
 
 
 5 A 
 
 
 2 1 10 
 
 
 
 4 9>, 
 
 
 
 8 
 
 
 
 44 49 
 
 50 2 11 
 
 24 
 
 1) 6 25 
 
 
 
 8f 
 
 
 
 6~ 
 
 
 2 2 84 
 
 
 
 5 24 
 
 
 
 74 
 
 
 
 5 | 50 
 
 
 EXAMPLE. 
 
 
 
 
 EXAMPLE. 
 
 
 nn a 
 
 t the ape of 21 may insure one 
 
 hare 
 
 
 A person at the age of 21 may insure one share 
 
 me by a single payment < 
 
 jf£l:H 
 
 >:3i. 
 
 
 in this scheme 
 
 >y a single payment of & 1 : 5 : 3, 
 
 
 i.il one of Is. 9d.,or 2 
 
 monthly one 
 
 
 or by an annual 
 
 one of Is. 5 
 
 ,d.i being somewhat 
 
 lil ;licageofGO. 
 
 
 
 
 more than ^d. per week, till the age 
 
 of 60. 
 
35 
 
 TAB. IV.— BALANCING OR PRESENT ANNUITY TABLE 
 
 For explanation of which, see p. 30 and 31. 
 
 Age. 
 
 Annuity for Life. 
 
 Annuity till 65. 
 
 Annuity till 60. 
 
 Age. 
 
 Annuity for Life. 
 
 
 1. 
 
 2. 
 
 3. 
 
 
 Col. 1. (continued.) 
 
 19 
 
 £18.6561 
 
 £ 18.0986 
 
 £ 17.6863 
 
 66 
 
 £ 8.4949 
 
 20 
 
 18.5450 
 
 1/.9594 
 
 17.5227 
 
 67 
 
 8.1816 
 
 21 
 
 18.4296 
 
 17.8144 
 
 17.3520 
 
 68 
 
 7.9001 
 
 22 
 
 18.3099 
 
 17.6636 
 
 17.1778 
 
 69 
 
 7.6159 
 
 23 
 
 18.1859 
 
 17.5070 
 
 16.9965 
 
 70 
 
 7.3515 
 
 24 
 
 18.0576 
 
 17.3443 
 
 16.8080 
 
 71 
 
 7.0909 
 
 25 
 
 17.9247 
 
 17.1751 
 
 16.6115 
 
 72 
 
 6.8370 
 
 26 
 
 17.7870 
 
 16.9992 
 
 16.4069 
 
 73 
 
 6.5934 
 
 27 
 
 17.6442 
 
 168161 
 
 16.1936 
 
 74 
 
 6.3395 
 
 28 
 
 17.4961 
 
 16.6257 
 
 15.9713 
 
 75 
 
 6.0737 
 
 29 
 
 17.3424 
 
 16.4273 
 
 15.7393 
 
 76 
 
 5.8225 
 
 30 
 
 17.1829 
 
 16.2207 
 
 15.4974 
 
 77 
 
 5.5941 
 
 31 
 
 17.0172 
 
 16.0054 
 
 15.2448 
 
 78 
 
 5.334P 
 
 32 
 
 16.8451 
 
 15.7810 
 
 14.9811 
 
 79 
 
 o.iu^O 
 
 33 
 
 16.6851 
 
 15.5646 
 
 14.7223 
 
 80 
 
 4.8383 
 
 34 
 
 16.5192 
 
 15.3392 
 
 14.4520 
 
 81 
 
 4.6087 
 
 35 
 
 16.3472 
 
 15.1041 
 
 14.1697 
 
 82 
 
 4.3460 
 
 36 
 
 16.1686 
 
 14.8590 
 
 13.8745 
 
 83 
 
 4.1319 
 
 37 
 
 15.9832 
 
 14.6033 
 
 13.5666 
 
 84 
 
 3.8892 
 
 38 
 
 15.7905 
 
 14.3363 
 
 13.2430 
 
 85 
 
 3.6604 
 
 39 
 
 15.6094 
 
 14.0747 
 
 12.9207 
 
 86 
 
 3.4585 
 
 40 
 
 15.4217 
 
 13.8016 
 
 12.5837 
 
 87 
 
 3.2143 
 
 41 
 
 15.2270 
 
 13.5164 
 
 12.2305 
 
 88 
 
 2.9852 
 
 42 
 
 15.0249 
 
 13.2184 
 
 12.8604 
 
 89 
 
 2.7872 
 
 43 
 
 14.8150 
 
 12.9067 
 
 11.4722 
 
 90 
 
 2.4783 
 
 44 
 
 14.5969 
 
 12.5806 
 
 11.0650 
 
 91 
 
 2.3062 
 
 45 
 
 14.3700 
 
 11.2391 
 
 10.6371 
 
 92 
 
 1.9406 
 
 46 
 
 14.1535 
 
 11.8977 
 
 10.2009 
 
 93 
 
 1.7119 
 
 47 
 
 13.9287 
 
 11.5400 
 
 9.7422 
 
 94 
 
 1.4808 
 
 48 
 
 13.6952 
 
 11.1648 
 
 9.2626 
 
 95 
 
 1.0000 
 
 49 
 
 13.4525 
 
 10.7712 
 
 8.7555 
 
 
 
 50 
 
 13.2000 
 
 10.3577 
 
 8.2211 
 
 
 
 51 
 
 12.9567 
 
 9.9382 
 
 7.6689 
 
 
 
 52 
 
 12.7041 
 
 9.4969 
 
 7.0858 
 
 
 
 53 
 
 12.4415 
 
 9.0322 
 
 6.4693 
 
 
 
 54 
 
 12.1682 
 
 8.5424 
 
 5.8166 
 
 
 
 55 
 
 11.8837 
 
 8.0256 
 
 5.1252 
 
 
 
 56 
 
 11.6069 
 
 7.4924 
 
 4.3992 
 
 
 
 . 57 
 
 11.3189 
 
 6.9282 
 
 3.6275 
 
 
 
 58 
 
 11.0191 
 
 6.3305 
 
 2.8058 
 
 
 
 59 
 
 10.7263 
 
 5.7068 
 
 1.9333 
 
 
 
 60 
 
 10.4219 
 
 5.0434 
 
 1.0000 
 
 
 
 61 
 
 10.1050 
 
 4.3365 
 
 
 
 
 62 
 
 9.7747 
 
 3.5819 
 
 
 
 
 63 
 
 9.4495 
 
 2.7805 
 
 
 
 
 64 
 
 9.1306 
 
 1.9240 
 
 
 
 
 65 
 
 8.7994 
 
 1.0000 
 
 
 
 
36 
 
 TABLE V.— REDEMPTION OF PAYMENTS FOR ALL 
 THE FUNDS. 
 
 For explanation of which, see p. 30 and 31. 
 
 Age. 
 
 Annual. 
 
 Monthly. 
 
 Age. 
 
 Annual. 
 
 Monthly. 
 
 
 1. 
 
 2. 
 
 
 Col. 1. {continued). 
 
 Col. 2. (continued). 
 
 19 
 
 £0.05653 
 
 £0.00471 
 
 40 
 
 £0.07947 
 
 £ 0.00662 
 
 20 
 
 0.05707 
 
 0.00476 
 
 41 
 
 0.08176 
 
 0.00681 
 
 21 
 
 0.05763 
 
 0.00480 
 
 42 
 
 0.08431 
 
 0.00703 
 
 22 
 
 0.05822 
 
 0.00485 
 
 43 
 
 0.08717 
 
 0.00726 
 
 23 
 
 0.05884 
 
 0.00490 
 
 44 
 
 0.09038 
 
 0.00753 
 
 24 
 
 0.05950 
 
 0.00496 
 
 45 
 
 0.09401 
 
 0.00783 
 
 25 
 
 0.06020 
 
 0.00502 
 
 46 
 
 0.09803 
 
 0.00817 
 
 26 
 
 0.06095 
 
 0.00508 
 
 47 
 
 0.10264 
 
 0.00855 
 
 27 
 
 0.06175 
 
 0.00515 
 
 48 
 
 0.10796 
 
 0.00900 
 
 28 
 
 0.06261 
 
 0.00522 
 
 49 
 
 0.11421 
 
 0.00952 
 
 29 
 
 0.06354 
 
 0.00529 
 
 50 
 
 0.12164 
 
 0.01014 
 
 30 
 
 0.06453 
 
 0.00538 
 
 51 
 
 0.13040 
 
 0.01087 
 
 31 
 
 0.06560 
 
 0.00547 
 
 52 
 
 0.14113 
 
 0.01176 
 
 32 
 
 0.06675 
 
 0.00556 
 
 53 
 
 0.15458 
 
 0.01288 
 
 33 
 
 0.06792 
 
 0.00566 
 
 54 
 
 0.17192 
 
 0.01433 
 
 34 
 
 0.06920 
 
 0.00577 
 
 55 
 
 0.19511 
 
 0.01626 
 
 35 
 
 0.07057 
 
 0.00588 
 
 56 
 
 0.22731 
 
 0.01894 
 
 36 
 
 0.07207 
 
 0.00601 
 
 57 
 
 0.27567 
 
 0.02297 
 
 37 
 
 0.07371 
 
 0.00614 
 
 58 
 
 0.35641 
 
 0.02970 
 
 38 
 
 0.07551 
 
 0.00629 
 
 59 
 
 0.51722 
 
 0.04310 
 
 39 
 
 0.07740 
 
 0.00645 
 
 60 
 
 1.00000 
 
 0.08333 
 
 The two following Rules may be found useful: — 
 
 1st , To reduce a sum of money, expressed in decimals, to its equivalent value in pounds, shillings, 
 pence and farthings: Multiply the given decimal, omitting the integer, hy such a number as will 
 reduce it to the next inferior name, and point off' in the product as many places of decimals as are in 
 the given number; then reduce the remaining decimals in the same manner to the next name; and so 
 continue the reduclion to the lowest name required, or till the decimals pointed off be all ciphers; then 
 the numbers on the left of the points will express the value required, as in Example 1. 
 
 2d, To convert shillings and pence into decimals of a pound : Write the given numbers under each 
 other, proceeding orderly from the least to the greatest names, for dividends: draw a perpendicular line 
 on the left of these, and on the left of it write opposite to each dividend such a number for a divisor, as 
 will reduce it to the next superior name ; then begin with the upper division, and affix the quotient of 
 each to the next dividend, as a decimal part of it before it be divided, and the last sum will be the 
 answer, as in Example 2. 
 
 Example 1.— What is the value of £ 2l.6937i 
 in pounds, shillings, and pence ? 
 £21.69375 
 20 
 
 Example 2.— Express £21: 13: 10A in deci- 
 mals. 
 
 4 1 2.0 
 12 10.500 
 2)0 I 13.«7« 
 .69373 
 
 Answer, adding the pounds, £21.09375. 
 
 2.0IKHK!.— Answer £21 : 13 : 10J. 
 
 Another method of converting decimals into shillings and pence is as follows :— Double the first deci- 
 on the right of the point for shillings, increasing this number by 1, if the 2d decimal be 5, or above 
 ;onsider"the number expressed by the 2d and 3d decimals (deducting 50, if 1 was added to the shil- 
 ^s farthings ; diminishing this number, however, by 1, if it be above 12, and less than 37; and 
 \bc above 36. Any other decimals may be neglected. 
 
 
37 
 
 I. FORM of Claim for Sickness Allowance, referred to in 
 
 Rule 46. 
 
 Haddington, 18 
 
 Sir, 
 
 Being incapacitated by sickness for my usual employment, 
 I request the Society's allowance from this date ; and I hereby declare 
 that I am [or am not as the case may be~] entitled to make a similar 
 claim upon \liere naming the other Society, or Societies, 'with which he 
 may be connected, ifany~\. 
 
 I remain yours, &c. 
 [ Signature of the Claimant or a Member of his Family. ,] 
 
 To the Secretary of the 
 East-Loth. Mut. Ass. or Friend. Soc. 
 
 II. FORM of Certificate (which must be renewed every Four 
 Weeks), referred to in Rule 47. 
 
 We hereby certify, that since the ultimo, [or instant, as 
 
 the case may be~\ has laboured under \_naming the 
 
 disease^ to such an extent as to unfit him for his usual employment. 
 
 (Signed) ^) Surgeon or 
 
 Dated at the 
 
 day of 18 
 
 III. FORM of Certificate applicable to the Life Assurance 
 Fund, referred to in Rule 72. 
 
 Haddington, 18 
 
 We hereby certify that A. B. has been admitted a Member of the 
 Life Assurance Fund of the East-Lothian Mutual Assurance or Friendly 
 Society, and that the person or persons duly nominated and appointed by (him 
 or her), whom failing, the relict of the said , or other 
 
 person or persons having power to receive the benefit after mentioned, in 
 terms of the Regulations of the Society, shall be entitled to receive out of 
 the said Fund the sum of Sterling, or such other sum 
 
 or sums of money as may be due, in reference thereto, in terms of the re- 
 gulations for the time being, provided always that the said 
 
38 
 
 shall regularly pay the contributions due by him in reference to the said 
 benefit, from time to time, and shall conform to all the Rules of the Society, 
 otherwise this obligation to be null and void. 
 
 "} President or 
 " I Vice-President. 
 
 — ( Treasurer. 
 
 - J Secretary. 
 
 IV. FORM of Nomination to be indorsed on the foregoing 
 
 Certificate. 
 
 I , within named and designed, do hereby, 
 
 in virtue of the powers reserved to me by the Rules of the Society, nomi- 
 nate and appoint 
 
 to receive the benefit mentioned in the within Certificate, and that for 
 the use and behoof of [Jill in here the nominee himself or herself, the 
 family of the Member, or such other use as he or she may think Jit to 
 declare']. In witness whereof, I have subscribed these presents, the writ- 
 ing of which is filled up by myself at 
 
 the day of , One thousand eight hundred and 
 
 years, before these witnesses [ Jill up names and 
 designations oftivo Male witnesses'], 
 
 (Signed) A. B. 
 
 C. D. Witness. 
 E. F. Witness. 
 
 V. FORM of Mandate to Proxies, referred to in Rule 94. 
 
 I, A. B., being a Member of The East-Lothian Mutual Assurance 
 or Friendly Society, do hereby, in terms of the power conferred on me by 
 the Rules thereof, empower C. D to vote for me in all matters wherein 
 my interest shall be involved, to be brought before the said Society at 
 their meeting on the next. 
 
 A. B. 
 Dated at the 
 
 day of 18 
 
 VI. FORM of Award by the Arbitrators, referred to in 
 Rules 147 and 149. 
 
 WE, the major part of the Arbitrators duly appointed by the East- 
 Lothian Mutual Assurance or Friendly Society, established at Haddington, 
 in the county of East-Lothian, do hereby award and order, that A. B. 
 (specifying by name the party or the officer of the Society J do, on the 
 
 day of , pay to C. D. the sum of 
 
 (or We do hereby reinstate in, or expel, A. B. from the said Society, as 
 the case may be J. — Dated this day of One 
 
 thousand eight hundred and 
 
 E. F. 
 
 G. H. 
 
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40 
 
 Haddington, 
 \ 8th December 1830. 
 
 We the undersigned, being three of the Members, and the Secretary, 
 do hereby certify, That the foregoing are the Rules and Tables agreed to 
 by the East-Lothian Mutual Assurance or Friendly Society, in terms of 
 the Act 10th Geo. IV. cap. 56., sect. 4., that they are founded on the 
 principles recommended by the Committee of the Highland Society 
 in 1824, and the Reports of the Select Committee of the House of Com- 
 mons in 1825 and 1827, as adopted by the Edinburgh School of Arts 
 Friendly Society, whose Rules and Tables have been taken as a model ; 
 arranged, however, and extended to suit local circumstances, particularly 
 as regards Sub-Committees in country districts, and the mode of payment 
 of contributions and allowances by and to country members. 
 
 Wm. Dods, President. 
 
 R. J. F. Davie, Treasurer. 
 
 James Johnston, Accountant. 
 
 Mark R. Lucas, Sec* 
 
 Edinburgh, 32 India Street, 
 20th December 1830. 
 
 I hereby certify, That I have perused the foregoing Rules of the 
 East-Lothian Mutual Assurance or Friendly Society (each page whereof 
 is marked with my initials in reference hereto), and that the same are in 
 conformity to law, and to the provisions of the Act of the 1 0th Geo. IV. 
 chapter 56, entitled an act to consolidate and amend the laws relating to 
 Friendly Societies. 
 
 AND. MURRAY Jun. 
 
 Advocate-Depute for certifying the 
 
 Rules of Friendly Societies. 
 
 Haddington, 
 18th January 1831. 
 
 At an adjourned Quarter Sessions of the Peace of the County of Had- 
 dington held here this day, a transcript of the preceding Rules and 
 Tables of the East Lothian Mutual Assurance or Friendly Society, were 
 produced by me, and were by the Justices of Peace there present allow- 
 ed and confirmed ; and the said Rules and Tables are filed by me with 
 the Rolls of the Sessions of the Peace in my custody, in terms of the 
 Act 10th Geo. IV. cap. 56. 
 
 Henry M. Davidson, C. P. 
 

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