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 $^ #* 
 
 I FINANCIAL ASSURANCE 
 
 I 
 
 :^, 
 
 $. 
 
 % 
 
 MUTUAL SOCIETY 
 
 FOR THE 
 
 RECONSTRUCTION OF CAPITAL 
 
 3, RUE LOUIS-LE-GRAND, PARIS 
 
 a A. 3Sr -A. 3D IJL IsT B I?, A. InT O EC : 
 
 FORREST, PATFNAUDE & Co., GENERAL AGENTS 
 
 Capital Insured $60,000,000 
 Reserve - - 2,000,000 
 
 I 
 
 I 
 
 % 
 I 
 
 i 
 
 MONTREAL : 
 
 CANADA PRINTING COMPANY, 28 ST. GABRIEL STREET 
 
 1880 
 
 
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/: 
 
 
 ) A-^ 
 
 /S 
 
 FINANCIAL ASSURANCE 
 
 » » » 
 
 MUTUAL SOCIETY 
 
 FOR THE 
 
 RECONSTRUCTION OF CAPITAL 
 
 3, EUE LOUIS-LE-GRAND, PARIS. 
 
 O J^ 35r -A. X) I -A. IsT Bia^Ln^OH: 
 
 MOTfTREAIi 
 
 FORREST, PATENAUDE & Co., GENERAL AGENTS 
 
 Capital Insured $60,000,000 
 Reserve - - 2,000,000 
 
 ■ <»» ■ 
 
 MONTREAL : 
 
 CANADA PRINTING COMPANY, 28 ST. GABRIEL STREET 
 
 1880 
 
 / 
 
^5o/^ isto T^q/ 
 
 BOARD OF ADMINISTRATION IN PARIS. 
 
 Mr. L. AnnsL, Knight of the Le- 
 gion d'honneur, Senator, President. 
 
 Mr. Ch. Savary, Deputy, Vice-Pre- 
 sidenl. 
 
 Mr. Barrier, officer of the Legion 
 d'honneur. 
 
 Mr. Benoit-Champy, officer of the 
 Legion I'honneur, administrator, of 
 Credit Indusiriel et Commercial. 
 
 Mr. J. Blanchet, originator of the 
 Financial Assurance. 
 
 Ma. 11. Blondel, Knight of the Le- 
 gion d'honneur, administrator of the 
 society La Fonciere. 
 
 Mr. de Bonnemains, officer of the 
 Legion d'honneur, auditor of the So- 
 ciiiedea Depots el Comples Couranls. 
 
 Mr. Cokdier, officer of the Legion 
 d'honneur, Senator, administrator of 
 the iianque Hypolhecaire. 
 
 Mr. Du Fay, Knight of the Legion 
 d'honneur, administrator of the So- 
 cUle des Immeublcs de Paris. 
 
 Mr. de Gonet, Knight of the Le- 
 gion d'honneur,auiiitorof the Socid/e 
 generale. 
 
 Mr. E. Japy, Knight of the Legion 
 d'honneur. 
 
 Mr. E. Pascal, administrator of 
 the Iianque d'Escomple de Paris. 
 
 Mr. I.E Baron Travot, officer of 
 the Legion d'honneur, ex-deputy, 
 ex-receiver of Government Finances. 
 
 AUDITORS. 
 
 Mr. G. Blanchet, ex-prefet ; Mr. 
 Deutz, Knight of the Legion d'hon- 
 neur, formerly banker. 
 
 DIRECTOR. 
 
 Mr. a. Boulan, Knight of the Le- 
 gion d'honneur, formerly Head of 
 the Department of Liquidation .of 
 War expenses and indemnities in 
 Home department. 
 
 SUPERVISION COMMITTEE IN CANADA. 
 
 Hon. F. G. Marchand, ex-minister, 
 St, Jean, P. Q. 
 
 L. H. MASsnE, Esq., deputv, direc- 
 tor of La Banque Jacques-Cartier. 
 
 GosTAVE Drolet, Esq., Knight of 
 the Orders of Pius IX and of the 
 Legion d'honneur. 
 
 J. X. Perrault, Esq., Knight of 
 the Legion d'honneur, 
 
 S. C. Stevenson, Esq., Sccretarj- 
 of the Board of Arts and Manufac- 
 tures, Montreal. 
 
 Geo, LECLfeRE, Esq.. !'<vjc;\3tiry of 
 the Council of Agriculture, Montreal. 
 
THE FINANCIAL ASSURANCE, 
 
 OBJECT OF the: COMPANY. 
 
 The Financial Assurance, organized in Paris in 1875, 
 has for its object the reconstruction, within a stipulated time, 
 of a capital, with T^rohabiWij o^ reimbursements before the expi- 
 ration of the term,. Its calculations are based on the accruing 
 power of compound interest and on mutuality. 
 
 Of its various modes of operating, two only are at pre- 
 sent introduced to the public : 
 
 The Discount Coupons 
 
 AND 
 
 The formation of a Capital of $20, by the single 
 
 payment of $1. 
 
 Before entering into the explanation of the working of 
 the various modes of operating of the Company, a few 
 extracts from the Paris press may be found of interest to the 
 public, as exhibiting the standing of an institution, the 
 debentures of which are entered on the official hst of the 
 Paris Exchange. 
 
 '^2Lp45o5 
 
4 Canadian Branch : ^ 
 
 (Le Gaulois, a daily paper, in its editorial of October 19lh, 
 1880, says:) 
 
 " There is an increasing demand for the Bonds of the 
 " Financial Assurance; the attraction, the public shows 
 t* for this system of operating, not well understood at first, 
 »' but now fully appreciated, is perfectly justified by the 
 " success the Company has obtained. 
 
 " On the 3lst of August, the Financial Assurance had 
 t' a capital of frs. 16,76-2,3l4.40c., bringing in an annual 
 « revenue of frs. 632,694.33c. 
 
 ** Partly represented by the following securities : 
 
 Capital. 
 
 1. Government iSonrfs.— Certificates of French 
 
 rente, bearing 5 p^ cent interest, de- 
 posited with " La Societe des Depots 
 et Comptes couranls frs. 14,338,200. 
 
 2. Government 5on<is.— Certificates of French 
 
 rente, bearing 3 per cent interest, de- 
 posited with same Company "' 2,736 
 
 3 Government Bonds,— in the hands of the 
 
 Company " "MSS 
 
 4. Government fionrfs.— Certificates of rente, 
 5 per cent, deposited with the " Comp- 
 toir d'Escompte" " 28,544 
 
 5 Government fionrfs— bought and not yet 
 
 delivered '' 180,000 
 
 6. Cash, deposited with the " Comptoir 
 d'Escompte " and the " Societe des 
 Depots," to be invested in Government 
 Bonds during the month of October... " 1,132,495.99c. 
 
 " The confidence, such a statement should command, is 
 " easily understood." 
 
17 St. James Street, Montreal. 
 
 Le Figaro, a !ew days ago, describing the difficnlties the 
 Financial Assurance had to contend with, before 
 reaching its present position, had the following : 
 
 " There was yet a difficulty to get over. Were the Bonds 
 " of the Financial Assurance to be placed on the official 
 " list? Every one knows that the consent of the Minister of 
 '^ Finances is required. The Finacial Assurance has 
 " conquered all opposition. The syndical board has pro- 
 " nounced itself favorably and the Bonds are now quoted 
 " on the official list of the Paris Exchange. 
 
 " We must confess our astonishment, and, in the same 
 *' time, our better appreciation of the securities. The Finan- 
 " cial Assurance has no longer any obstacle on its way 
 '■'• to prosperity." 
 
 We refer to the list of the members of the Board of Direc- 
 torB of the Company as a guarantee of the soundness of its 
 operations. 
 
 The Canadian Supervising Board shall control the mana- 
 gement of the General Agents and represent the canad'?a 
 interests in the Company. 
 
 Security of the Company, 
 
 Besides what has been said already of the soundness of 
 the Company, we may add that the Financial Assurance has 
 no interest w^hatever in any speculation nor in any commer- 
 cial enterprise. It does not run any risk. Us surety is 
 unquestiona'ble, since all the sums to bo capitalized ara 
 invested in French Government Bonds and the Com- 
 pany has already a reserve of nearly Ten Millions Francs 
 ($2,000,000). The interests of which would alone cover the 
 expenses and thus insure the duration of the Institution. 
 
 A pohcy owner may at any time cancel his policy and take 
 back part of the premiums with interest thereon calculated 
 at 4 p. cent- 
 
Canadian Branch : 
 
 Working of fJie Company, 
 
 Through a mathematical combination, based on the power 
 of compound interest and on a peculiar system of mutuality, 
 the Company insures the payment of a sum of money within 
 a fixed period of time and gives to the insured a chance of 
 receiving the capital long before the expiration of the stipul- 
 ated time. 
 
 The sums received by the Company entitle their owners 
 to the delivery of a policy and are, after deduction of a cer- 
 tain amount n^served for expenses and profits, invested into 
 certificates of Rentes of the French Gover'iment or in other 
 securities endorsed by the Government. These securities are 
 delivered on demand to the insured, if the sum to his credit 
 is sufficient to buy a certillcate, or they are deposited with 
 a banking establisl ment agreed upon. 
 
 The Company cash the coupons of the securities as they 
 mature and with the proceeds, buy other securites design- 
 ated by the decree of the French Government dated 2'2nd of 
 January I8G8, to Insurance Companies for investment of their 
 reserves, and capitalize the interests. 
 
 Any person attempting to capitalize at compound interest 
 a fixed sum of money would not succeed in effecting it, as 
 every year, a small fraction of capital would remain unin- 
 vested and unproductive owing to its unsuthciency for the 
 purchase of the smallest certificate of indebtedness. 
 
 The Company redeems mathematically and punctually its 
 policies, always maturing within a period of ninety nine 
 years ; but reimbursements, before the expiration of this term 
 takes place, and the stipulated length of time for maturity 
 of a policy becomes purely nominal. 
 
17 Mt. James fiilrcet, 91 ontrcal. 
 
 These payments in advance are made out of the follow iug 
 resources : 
 
 lo The sums of money accruing from capitalization. 
 
 2o The profits of llie operation, (45 per cent of these profits 
 being applied every year to tlie purpose). 
 
 The general meeting of the Company in Paris decides on 
 the amoiinl of the regular reimbursements, as well as on 
 those in advance. 
 
 Redemption of Policies. 
 
 The numbers to be redeemed are not designated by lot, 
 but through a calculation that divides the number of exist- 
 ing policies by the one hundredth part of the sum to be 
 distributed ; thai is lo say by the number of policies entitled 
 to 8'20, and tak(!s the rest of the division as starting point of 
 the distribution. This method is far preferable to drawing 
 lots, as it e(jualizes the probability between all the numbers, 
 from the first to the last; the figures of the quotient regu- 
 lating the distance to be kept between the numbers to be 
 redeemed. Besides, it does not leave any opening to criti- 
 cism as the calculation takes place at the general meeting 
 and the addition of one policy to those already registered 
 would alter the quotient of the division. 
 
 Six drawings and sometimes more take place every year. 
 
 The list of all the payments effected by the company since 
 its organization will, on demand, be addressed to any insured. 
 
 These payments amount already to about $200,000. 
 
 In Canada, the number of policies to be paid up will be 
 published in the newspapers and the policy holders will be 
 immediately notified. 
 
Canadian Brancb : 
 
 DISCOUNT-COUPONS. 
 
 The DISCOUNT-COUPONS of the Financial Assurance 
 have for an object : 
 
 1° The return •without any charge whatever, to cash 
 buyers of all money spent for food, wearing apparel, furni- 
 ture, &c. 
 
 2° An increase in the number of customers to the benefit 
 of all tradesmen joining the Institution. 
 
 The DISCOUNT-COUPONS are delivered by the Financial 
 Assuranc in form of tickets, to all tradesmen having an 
 agreement with the Company and ready to allow a discount 
 to cash buyers. 
 
 The COUPONS are divided in fractional amounts of 10 cts, 
 20 cts, 1 dollar and given to buyers in amount of a nomi- 
 nal value equal to their purchases. 
 
 The DISCOUNT-COUPONS read as follows : 
 
 (Recto) 
 
 •^YEAR 1880. 
 
 3, rue Lonia-h-Grand, Parin. 
 CANADA BRANCH, MONTREAL. 
 
 ISOOTJI^T-OOTJ] 
 
 Oflorort free of expense and repreHentinj; a piircliase of $1. 
 
 In EXCHAN&E Of 20 of tnese bones, tie company win issue a policy for - - - $20 
 
 In EXCHANGE Of 50 POLICIES Of $20. thTcOMPANY Will Issne a POLICY for $1000 
 
 To every Policy of $1000 is attached a French Government Bond 
 Guaranteeing the reimVjursement ot $1000 within a period of 1 to 99 years. 
 
 This COUPOX. to remain good, must conjointly, with others representing 
 \altogether a purchase of $20, he excliauged auaiiist tlie Policy of tlie Finan- / 
 A^iiial Assurance, on or before tlie 31.st day of December 1881 ; "or it becomesy/ 
 ^l^\ void and ol no value. /^^ 
 
17 Hi, James Street, Montreal. 
 
 ( Verso) 
 
 NOTICE. 
 
 The Discount-Coupons bein^ issued in fractional amounts of 
 10 cents, 20 cents and $1, the seller can always return to the Buye, , 
 in one or several coupons, an amount equal to his cash purchase. 
 
 When in any store, you make a purchase, ask for an amount in 
 Discount-Coupons equal to your caph bill. 
 
 In that way, you build up, without any expense, a Saving Bank 
 that secures '.Jioneyfor your children, or an Income for yorir old age. 
 
 Are you -yealthy, give those Coupons to Charitable Institutions. 
 
 The DISCOUNT-COUPONS of the Financial Assurance in- 
 crease the business of traders, and warrant to the public 
 that merchandize of good quality at moderate prices 
 is to be found in the stores of merchants connected with the 
 Company, as DISCOUNT-COUPONS are delivered to those 
 only who accept the conditions of the Company. 
 
 Lists of the stores connected with the Financial Assurance^ 
 will be printed and distributed through the Province. Space 
 will successively be given to each merchant to advertise his 
 goods. The consequence will be an increase in their busi- 
 ness, customers having such an advantage, in getting through 
 them DISCOUNT-COUPONS that repay their daily expen- 
 ses in a limited time. 
 
 Adyant.ages accruing to traders buying 
 Discount-Coupons. 
 
 DISCOUNT-COUPONS are sold to mercantile houses at 
 the price of $1, for every 820 of their nominal value. 
 
 When a merchant pays to the Company the sum of $20, 
 in one or several payments, he receives : 
 
10 
 
 Canadian Branch : 
 
 lo DISCOUNT-COUPONS in fractional amounts for a no- 
 minal value of ^40U, which are to be given, free of a lycliarge, 
 to liis customers to the amount of their purchases. 
 
 2° A Policy (Tariff No. 6 bis) assuring to the merchant the 
 full return of the $20 paid by him for said Coupons. 
 
 Advantages accruing to parties buying from ml^rchants 
 connected witli the Company. 
 
 It is to the interest of every buyer to claim DISCOUNT- 
 COUPONS from the merchants he buys from to the full 
 amount of auy cash purchase large or small. He secures in 
 that way a saving for the benefit of his children^ or his own; 
 and he may dispose of the coupons in favor of charitable ins- 
 titutions. 
 
 V; 
 
 DISCOUNT-COUPONS forming a sum of $20, are changed 
 by the Company free of expense into an Insurance Policy of 
 the same amount, with the probability of receiving the said 
 sum of $20, in specie^ even in the first year, or any following 
 year, at all events within a period of 99 years, stipulated term 
 that b' comes nominal in consequence cC the reimbursements in 
 advance. 
 
 Against surrender of fifty Policies of $20, the Financial 
 Assurance delivers to merchants as '•veil as to buyers, a Policy 
 hearing FIFTY numbers to be pr.id at $20 each, in all $1000 ; 
 and a certificate of FRENCH RENTE (Government Bond), is 
 attached to the Policy ; the capital and interest of said Bond 
 mathemathically and positively securing to bearer^ the full 
 payment of ^\ 000. 
 
17 Nt. James Street, Montreal. 
 
 ii 
 
 The Financial Assurance and the Charitable 
 
 Institutions. 
 
 DISCOUNT-COUPONS may bring to charitable institu- 
 tions an inexhaustible revenue and procure them the deve- 
 lopment, that neither government, nor cities, however 
 sollicitous they may be, can afford to give. 
 
 4' 
 
 How many places in Canada are yet without hospitals, 
 orphan asylums and other public benevo'ent establishments 
 that charity has been unable to create. 
 
 Too often the giver's intention remain unfulfilled, or 
 vacillates in its purpose, by conscientious fear of disposing 
 of the family's estate or jeopardizing its future. We think, 
 th;it such scrupules would vanish, public generosity would 
 know no hmits, if, by means of the DISCOUNT-COUPONS 
 of the Financial Assurance^ the giver should recoup his per- 
 sonal expenses for the benefit of a benevolent Institution. 
 
 All that is needed to maintain a benevolent society^ to cndoiv 
 religious associations is the transfer to the benpjlt of the institu- 
 tion of all the DISCOUNT-COUPONS the members are entitled 
 to, from their personal purchases. , 
 
 The annual outlay of 8200,000 by the members of a bene- 
 volent society and invested as suggested would, after 20 
 years, bring an income of $40,000. 
 
 ♦ ► 
 
 All informations relating to the working of the Company, 
 may be obtained at the office of the Financial Assurance^ in 
 Montreal. 
 
12 
 
 Cauadlan Banch : 
 
 Tarif No. 6 bis^ Second Combination. 
 
 KEOONSTKUOTION OE A CAPITAL 
 
 OiF 20 HDOLXi^I^S. 
 
 m 
 
 DURATION 
 of 
 
 OPERATION. 
 
 YEARS. 
 
 ONE SINGLE PAYMENT. 
 
 PREMIUM. 
 
 CAPITAL AND PROVISIONS 
 
 for 
 
 SPECIAL SUPPLEMENTARY PAYMENTS 
 BEFORE TERM. 
 
 amount 
 to be paid 
 
 to receive 
 20 Dollars. 
 
 99 
 
 28c. 
 
 72 c. 
 
 1 Dollar. 
 
 Kk 
 
 The advantages of this tariff consist in the numerous pay- 
 ments in advance of the term stipulated in the policy. They 
 are obtained from the following resources : 
 
 lo The regular v^orking of the sinking fund. 
 
 2o 45 per cent of the profits of the Company. 
 
 30 The provision for special supplementary repayments. 
 
 The second combination of the Financial Assurante is the 
 assurance of a capital, on a single payment equal to 5 per 
 cent of the said capital. 
 
 Against a single payment, a corresponding number of 
 policies of $20, becoming due within a period of one to ninety 
 nine years, is delivered to the Insured, with certificates of 
 
17 St. James Street, Montreal. 
 
 13 
 
 rente (Government bond) which mathematically guarantee 
 the payment. 
 
 The regular working of the sinking fund secures the 
 maturation of the Policy within a nominal period of ninqty 
 nine years, but the stipulations in the statutes of the Com- 
 pany, to the effect of applying ':5 per cent of the profits 
 to the Redemption of policies before their termination, 
 advance the payments so much that the whole amount of 
 policies may be redeemegl long before the expiration of that 
 nominal period. 
 
14 
 
 Canadian Branch t 
 
 VARIOUS EXAMPLES. 
 
 We present the following examples to illustrate the advan- 
 tages to be derived from the operations of the Company. 
 
 1st Example.— A merchant desirous of increasing his Busi- 
 ness, buys from the Financial Assurance DISCOUNT-COU- 
 PONS for $20, He receives a nominal sum of $400 in cou- 
 ,pons which he gives away to his cash customers up to the 
 amount of their purchases. 
 
 This outlay of $20 is nothing more than the discount 
 no merchant would hesitate to allow his cash buyers. ^ 
 
 In fact, the DISCOUNT-COUPONS do not cost him any 
 thing as the Financial Assurance gives him a policy of $'20, 
 any time he buys the same cash value of COUPONS. 
 Besides, new customers desirous of recovering through the 
 DISCOUNT-COUPONS, their daily expenses, increase his 
 business and consequently his profits. 
 
 2nd Example.— A family whose expenses amount to, say 
 $1,000 a year, in purchase of groceries, wearing apparel, 
 butcher meat, &c., should claim from the sellers DISCOUNT- 
 COUPONS to the full value of the goods bought for cash. 
 
 When a sufTicient number of COUPONS has been col- 
 lected and forms an amount of $20, the Financial Assurance 
 will exchange them, at presentation, for a policy of $20, bear- 
 ing a number, and that policy may be redeemed, perhaps the 
 following year, at ail events within a certain time. Conse- 
 quently, a family spending $1000 a year and receiving 
 COUPONS for all their cash purchases, will be possessed, at 
 the end of the year, of 50 policies of the Financial Insurance 
 of $20 each, and there is a probability, that at the next 
 
 H^ 
 
m 
 
 II 
 
 17 St. James Street, Montreal. 
 
 15 
 
 <•« 
 
 drawing, some of them will be redeeemed in specie. In any 
 case, all th- nnmbers must be redeemed and consequently 
 the family expenses refunded. 
 
 The object of the Company and the soundness of its ope- 
 rations have brought to the Financial Assurance such a 
 success in France that nearly 800,000,000 are covered by its 
 policies. The system will meet with the same success m 
 Canada, as it recommands itself to the public by encouraging 
 habits of economy. 
 
 The return in money, even after many years, of the daily 
 expenses of a family may work a great deal of good to Us 
 members ; it may help to ihn establishment of the children, 
 or to the comfort of the old parents. This recovery of mou-y 
 spent long ago, after all, does not cost any thing to the 
 Policy holder and the Company is always ready, on surremler 
 of the Policy, to refund its value with interest from the date 
 of the issue. 
 
 What is to be done to secure to ourselves so many advan- 
 tages? To patronize stores delivering to cash buyers, Dlb- 
 COUiNT COUPONS and when the Coupons in our possession 
 amount to r20, exchange them for a Policy of same value.