SCIENCE. 



[Vol. XI. No. 258 



DiyiDIi lOTlCE. 



31 Per Cent Dividend. 



Notice is hereby given to the Members of the 

 Mutual Reserve Fund Life Association, Chief 

 Office Potter Building, 38 Parlv Row, New 

 York, that the amount of Surplus to the Credit 

 of the Members of the 1882 class equals a DIVI- 

 DEND OF THIRTY-ONE PER CENT 

 upon the Entire Mortuary premiums paid during 

 the past five years, to wit: from 1882 to 1887 

 inclusive, said amount applicable and payable 

 as provided in each Certificate of Membership. 

 The amount to cover said Dividend has been 

 deposited with, invested and held by the Cen- 

 tral Trust Company of New York, as Trustee, 

 as provided in tlie Deed of Trust between the 

 two companies. 



Notice is further given that in addition to the 

 above dividend of Tliirty-one per cent the Mu- 

 tual Reserve Fund Life Association has paid to 

 the Widows, Orphans and Claimants of deceased 

 members, during 1887, over One Million Four 

 Hundred Thousand Dollars, and during the 

 same year (1887) it has saved its living members 

 by reduction of the premium rates below the 

 rates usually charged under the old system 

 of Life Insurance, said reduction approximating 

 Three Millions of Dollars, which reduction 

 equals AN ADDITIONAL DIVIDEND OF 

 MORE THAN FIFTY PER CENT OF THE 

 ENTIRE PREMIUMS PAID BY OUR 

 MEMBERS. 



Our actual Cash profit for 1887 exceeds $448,- 

 6fti, or $1,227 for each day in the year, includ- 

 m in^i Sundays and holidays. Each dollar of said 

 f prdfit, as fast as earned, is deposited with, in- 

 vented and held by the Central Trust Company, 

 as Trustee, for the exclusive use and benefit of 

 i our members. Our total death claims paid ex- 



ceed $4, 100,000 and our cash Surplus exceeds 



OhI^PiAL EXAMINATION. 



After a most careful and thorough official 

 examination within the past sixty days, the As- 

 sociation has received the unqualified indorse- 

 ment from three Separate State Insurance 

 Departments, to wit : by Hon. Philip Cheek, 

 Jr., Insurance Commissioner of the State of Wis- 

 consin ; Hon. Charles Shandrew, Insurance 

 Commissioner of the State of Minnesota ; also, 

 Hon. Elisha W. Bucklin, Insurance Commis- 

 sioner of the State of Rhode Island. Each one 

 of these Insurance Commissioners having made 

 a thorough personal examination of the affairs 

 of the Association in the months of November 

 and December 1887, and after said examination, 

 indorse the Mutual Reserve Fund Life Associa- 

 tion as worthy of the confidence of its members 

 and of the people. 



E. B. HARPER, President. 



Mutual Reserve Fund Life Association, 

 Potter Building, 38 Park Row, New York. 



IMPORTANT TO BUSINESS AND PROFESSIONAL MEN. 



THE MUTUAL BESEBTE FUNU 



LIFE ASSOCIATION. 



Furnishes LIFE INSURANCE at less than ONE-HALF THE USUAL COST. In other 

 words, $2,000 INSURANCE is furnished for usual rales of $t,ooo, and $20,000 INSURANCE 

 for usual Rates charged by the old LEVEL PREMIUM system lor $10,000. It has already paid 

 to one Thousand Widows and Five Thousand Oiphans more than FOUR MILLIONS of DOL- 

 LARS IN CASH. It has more than ONE MILLION THREE HUNDRED THOUSAND 

 DOLLARS CASH SURPLUS. It is paying more than FOUR THOUSAND DOLLARS 

 DAILY for death claims. Its surplus is increasing at the rate of ONE THOUSAND DOL- 

 LARS PER DAY. The GREAT CENTRAL TRUST COMPANY OF NEW YORK is the 

 TRUSTEE for the surplus RESERVE FUNDS, which funds are held in trust for the exclusive 

 use and benefits of its members. It has $200,000.00 deposit with the NEW YORK INSUR- 

 ANCE DEPARTMENT, or double the amount of any other Life Company. It has also on de- 

 posit with the BANK OF ENGLAND $100,000.00, and with the CANADIAN GOVERN- 

 MENT. 150,000.00. It has already saved to its Members more than FOURTEEN MILLION 

 DOLLARS by reduction of cost below the rales usually charged by the Old System, and in addi- 

 tion to this great saving our persistent members of five years' standing have a sum to their credit 

 equal to a Dividend of about 33 1-3 per cent UPON THEIR ENTIRE MORTUARY PRE- 

 MIUMS PAID. This Association issues a free Policy. No restriction upon travel. No restriction 

 upon change of residence. No restriction upon change of Occupation, except the Military when 

 on Active Service. The POLICY IS INCONTESTABLE AFTER FIVE YEARS. The 

 Mutual Reserve Fund Life Association Offers Five Hundred Dollars Reward for 

 the Name of any Honest Death Claim which It has not Paid in Full, the Fact to be 

 Determined by any Two Bank Presidents in New York City. Further particulars at 

 the Home Office, Potter Building, 38 Park Row, New York. Send for circulars. Managers, 

 General and Special Agents wanted. 



E. B. HARPER, President. 



Board of Directors and Council Officers of the Mutual Reserve Fund 

 Life Association : 



EDWARD B. HARPER, President, New York City. 



ALFRED TAYLOR, Vice-President, Attorney, New York City. 



CHARLES B. BISSELL, Treasurer, Capitalist, New York City. 



Hon. HENRY OVERSTALZ, President Fifth National Bank, e.x-Mayor, St. Louis, Mo. 



JOHN J. ACKER, Past Grand Master, A. O. U. W., Albany, N. York. 



SAMUEL A. ROBINSON, M.D., Chairman Investment Committee, West New Brighton, Staten 

 Island, N. Y. 



WM. H. BROWN, Wholesale Drugs, Baltimore, Md. 



ANTHONY N. BRADY, President Municipal Gas Co., Albany, N. Y. 



SAMUEL W. WRAY, Grand Secretary, A. L. H., Philadelphia, Penn. 



NEWELL W. BLOSS, Resident Vice-President Great Britain, London, England. 



JAMES W. BOWDEN, M. D., Medical Director, New York City. 



GEORGE F. LAWRIE, Wholesale Dry Goods, of Martin, Bu£fum &Co., 46 White Street, N. Y. 



FREDERIC T. BRAMAN, Secretary, New York City. 



Hon. HENRY J. REINMUND, Comptroller, late Superintendent of Insurance. State of Ohio. 



Surgeon-General Sir W GUYER HUNTER, M. P., F. R. C. P., K. C. M. G., M. D., Chief Medical 

 Director for Great Britain, London, England. 



THOMAS WsipHNSON, Wholesale DrySGoods, Johnson, Sutton & Co., Baltimore, Md. 



WARREN Ki^NEDY, Wholesale Dry Goods, Toronto, Ont. 



Hon. HENRY L. LAMB, late Bank Superintendent State of New York, Troy, N. Y. 



THOS. P. BALDWIN, Wholesale Cotton Goods, Baldwin & Cuyie, Baltimore, Md. 



WM. WILSON. Manufacturer, Toronlo, Ont. 



FREDERICK S. PARKER, Chairman Death Claim Committee, Attorney, New York City. 



WILLIAM MILLER. Director of Agencies, New York City. 



GEORGE R. McCHESNEY, Adjuster, New York City. 



J. M. STEVENSON, and B.W. T. AMSDEN, Assistant Secretaries, New York City. 



JULI US W. KRAAFT, Cashier, New York City. 



B. G. BLOSS, Inspector of Agents. 



The Central Trust Company of New York Trustee 



OF 



Tontine Reserve Fund. 



ADMISSION FEES AND ONE YEAR'S ANNUAL DUES. 

 For $5,000 Life Insurance, - - - - - - - ?3S 



For $10,000 Life Insurance, -------.70 



For $20,000 Life Insurance, ..---.. 140 



Annual Dues after the first year $3 for each $1,000 insurance. 



