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A. B. WHELPLEY,.
x Assessor Hernando County.


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The Twister.


Has the twister been around to see you yet? If
he has not he will come before long; look out for him!
The twister is one claiming to be an insurance
man-of whom there are quite a number-who visits
you after you have insured in another company and
tries to dissatisfy you with your policy. He will tell
you everything to the discredit of your company that
he can invent; that your policy is bad, and that you
could have done better in his company. He will sym-
pathize with your misfortune, show you specially pre-
pared literature to prove his words, or tell you to write
this or that person (whom you can safely put down
as being in league with him) toconfitm his statement.
Why does he do this?
Is he interested in your welfare ?

Has he ever shown any interest in your welfare before?

Is he not trying to make something out of you ?

You will make no mistake if you show him the door.
Here is what the Commissioner of Illinois says
officially in his report about him:
The twister does not seek impaired or doubtful
lives, but strives for the best risks in his poaching;
he makes a point of discouraging the policy-holder
of a rival company, impairs his confidence in what
he has already, and by insinuations, inuendoes, and
even bare-faced attacks upon rival companies, weak-
ens and impairs the faith of the people in all life in-
surance. He is the anarchist in life insurance."





'Y
np' ;K, faKr nd -abrt
what, O-ru3btluobA 'm
to t, s F-
I's E -ble- 81sis flr f h I ta
th-ose v, li 9 qand-kvlth-,G6vernQf Bvo,W-
"bViglo ,t4gn; hor,' mbaft
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'wh1QoppQae Mtn, in Is
-tl 6ro import `,eh tild- drr,
OM ara, and tbo!e Olt q
`d ainagc:- matter ',!`Jbat' bals- of, 06m-, ers rdkard,,'it fo-day?-4:r i
)e found in
Pvimiseh rna 6 Idterb4j triprQyo,
to thfs interrogatipm ment, now, As tWo dre 010-,, at ,pyo4j-.
Why' nk)C ,,Ze'-ths of. dlKlOng "out D? ;OW'" river In a,, r)ovtlv"
_;]iggtr)g R
h, 'canaL WpSt6rl dlL
IT rQ$S th'e I)L EL enffifj'WL of, 71orAd -bee' 'rieaily' hfty
"Tile h- a W ter Y,
A
can",hardly be c(;,mp,eb6nded ancl,. 6 terway 4-,r s8 will bq, an
011b.-will 01spPte thb fact, tbal it fact
beWOTtll ranra-to, the' sta, e, by- .1'36,V z 'PIt-, two
I I I "w "I I more
Av- Xflfoihftate ofal tim,, than' It. could posgibly, cat. Jedgv,;k.a;t *orlt'lone' iajaKeLOkee-'
the dtgglng ',Df this canal _/W6jjjd4 CbObAZ df$94nK' SOIltbeaKt 'te-Vard' the
ns Ing toward t# 101
abs lutey wheflTer or-
trOversy trate4 6 laka'
Ot, th(', verglAdef3 can be dralxj je,,Ahor in', t ho CaloobahaAchte,
anq'whetbd'r-or',not- the tbe- channel, Vhlcli'
f(f to r it is drain "IstS, between fha t streban
The importance 'of -a watet-way R,
Io a 1rtg,,,agoll realized, 100". 1)6
*MNA'bE"O'F THE', '(!L-KDESI the ,,CIL O'Ha-
xvf' of th6,constitutio'n 6k the, Datchlo are alreAdY' applyfng 'tD' 'the
fSt3%e 4dlit6d I n 18 85'', dbntalns the LoilslatUr'O for rolief,,'from'.the aiinuai
o It j ovrflowS w4lch:'destray their cropq.
rqii NSA C 0 LN. J xqN,- C t Thop'roljertF.,bt, Aill Thd:j d,Ipentng, o' U4i Afia, channel
lco th Pr6pe y Will glv,.that reft8f. XnoiEer' objpot
T" " W, a, wotad, tliir.Vore-be- aepomplighedj
porab6n vhfch 'shal cobstruot"Li
canal a cioss tbo 'Pew f "tjl& Legislfiure: And- ,Oqve I qr
rl ida, 'tf 1 th, 13r,6'v8rd, 6an ket,' Aogefll Ion bl's-
O e ac tfloro"L br nal 6,e
ivhetlIr heft! nUOter the ca r'085,J'l rJda d4=
$einaftexl, iupbrp o rated, sh be' U'
1e "worth r:fo
Schew!E,-a r taatIoT)--VbI6ss sucli prop tjA "A it re to
1,, rovvm7d'A Pet and 4 aSed 0,61UE;,Vely Iltgftwa,, of, commerce,,: than".
'Its c T,
4 Iie held for "r
)Itlous, se enti IDL
fl C"L nciualcipal, jedkl,% _the co 'stru&ton o'f Z
LL ".; -- ` the drainagd-
M on a I I terarY ;br ch I t --iJ I e cgilii][4 feitu'V'o 16 foUffil
Yjn impracticab -Ve ave' lor.
N11 i 1,
If It Im found to 'be ac
-reptoduce t1i s seethon 'f j ibg
r conswutloA tuv',r,4* "ft 'WP-'a Tdltllaf much, tile gitber
01,Ir'l a I w I 114 be, tb dd stkike in tl;, 61;ato` haS- noWAziNlos e OY 0,
'dred cS, and,,
velo.pnieptF-iriore 'th tw, 1 9 A arZs
a w I
P I e I or Wr 6.4 0 e, SIJ4Lnt! Of -h" "'ji0on4
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011F rELM CIT. I wh
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Form No. 2.
THE WESTERN UNION TELEGRAPH COMPANY.
INCORPORATED
23,000 OFFICES IN AMERICA. CABLE SERVICE TO ALL THE WORLD.
ROBERT C. CLOWRY, President and General Manaaer.


RECEIVER'8S NO. TIME FILED CHECK


8 END the following message subject to the terms
n back hereof, which are hereby agreed to.


SOf-


.1907


d
I.

--I--.


Mir BEAD THE NOTICE AND AGREEMENT ON BACK. -01


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ALL MESSAGES TAKEN BY THIS COMPANY ARE SUBJECT TO THE FOLLOWING TERMS:

To guard against niistakes or delys, the sender of a message should order it REPEATED; that is,
telegraphed back to the originating office for comparison. For this, one-half the regular rate is charged
ib addition. It is agreed between the sender of the following message and this Company, that said.
Company shall not be liable for mistakes or delays in the transmission or delivery, or for non-delivery of
any UNREPEATED message, beyond the amount received for sending the same; nor for mistakes or delays
in the transmission or delivery, or for non-delivery of any REPEATED message, beyond fifty times the sum
received for sending the same, unless specially insured, nor in any case for delays arising from unavoidable
interruption in the working of its lines, or for errors in cipher or obscure messages. And this Company is
hereby made the agent of the sender, without liability, to forward any message over the lines of any other
Company when necessary to reach its destination.
Correctness in the transmission of n -n-'sage to any point on the lines of this Company can be INSURED
by contract in writing, stating ag.:-. i nount of risk, and payment of premium thereon, at the following
.rates, in addition to the usual charge for repeated messages, viz, one per cent. for any distance not exceed-
ing 1,000 miles, and two per cent. for any greater distance. No employee of the Company is authorized to
vary he foregoing.
No responsibility regarding messages attaches to this Company until Ihe same are presented and
accepted at one of its transmitting offices ; and if a message is sent to such office by one of the Company's
messengers, he acts for that purpose as the agent of the sender.
Messages will be delivered free within the established free delivery limits of the terminal office. For
delivery at a greater distance, a special charge will be made to cover the cost of such delivery.
The Company will not be liable for damages or statutory penalties in any case where the claim is
not presented in writing within sixty days after the message is filed with the Ccmpany for transmission.

ROBERT C. CLOWRY, President and General Manager.





Form No. 2.
THE WESTERN UNION TELEGRAPH COMPANY.
INCORPORATED
'23,000 OFFICES IN AMERICA. CABLE SERVICE TO ALL THE WORLD. r
ROBERT 0. CLOWRY, President and Ceneral Manager.
RECEIVER'S No. TIME FILED CHECK


SEND the following message subject to the terrps _/ 9
in back hereof, which are hereby agreed to.

To.i BE, / ' .' D ,





o Or R L- NOI7 AND__________ED Li D AGEEN ON L. -
TO ,__.,_,__,__._, .1_',___._ _--__.i






"____"___-_..._.______________L .__________ "_"" __ __..
t/ / -. ,.









ALL MESSAGES TAKEN BY THIS COMPANY- ARE SUBJECT TO THE FOLLOWING TERMS:

To guard against mistakes or delays, the sender of a message should order it REPEATED; that is,
telegraphed back to the originating office for comparison. For this, one-half the regular rate is charged
hb addition. It is agreed between the sender of the following message and this Company, that said
-Company shall not be liable for mistakes or delays in the transmission or delivery, or for non-delivery of
any UNREPEATED message, beyond the amount received for sending the same ; nor for mistakes or delays
in the transmission or delivery, or for non-delivery of any REPEATED message, beyond fifty times the sum
received for sending the same, unless specially insured, nor in any case for delays arising from unavoidable
interruption in the working of its lines, or for errors in cipher or obscure messages. And this Company is
hereby made the agent of the sender, without liability, to forward any message over the lines of any other
Company when necessary to reach its destination.
Correctness in the transmission of a "-'-sage td any point on the lines of this Company can be INSURED
by contract in writing, stating ag:t-. .iiount of risk, and payment of premium thereon, at the following
rates, in addition to the usual charge for repeated messages, viz, one per cent. for any distance not exceed.
ing 1,0110 miles, and two per cent. for any greater distance. No employee of the Company is authorized to
vary ihe foregoing.
No responsibility regarding messages attaches to this Company until the same are presented and
accepted at one of its transmitting offices ; and if a message is sent to such office by one of the Company's
messengers, he acts for that purpose as the agent of the sender.
Messages will be delivered free within the established free delivery limits of the terminal office. For
delivery at a greater distance, a special charge will be made to cover the cost of such delivery.
The Company will not be 'liable for damages or statutory penalties in any case where the claim is
not presented in writing within sixty days after the message is filed with the Ccmpany for transmission.

ROBERT C. CLOWRY, President and General Manager.






SOLE GeO
v Oranges


Grape-fruit


T. L. SHEROUSE, Manager


Tangerines

CITRA, FLORIDA


2~& ~44~


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SX OLE GR
Oranges
Grape-fruit Tangerines
T. L. SHEROUSE, Manager
CITRA, FLORIDA

d f14/'. _/9




a4 lifo I t 0.7 uo< -
at oa /





Form No. 2.
THE WESTERN UNION TELEGRAPH COMPANY.
INCORPORATED
23,000 OFFICES IN AMERICA. CABLE SERVICE TO ALL THE WORLD. [4
ROBERT C. CLOWRY, President and Ceneral Manaaer.


RECEIVER'S No. TIME FILED CHECK


S=NM LD the following message subject to the terms
GM back hereof, which are hereby agreed to.


T O '' -- -* -'


*1'* ,, *


190/


( I -



1' f
- .,- -..... -/ -


M" READ THE NO A


-1


A Mrt A atl


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ALL MESSAGES TAKEN BY THIS COMPANY ARE SUBJECT TO THE FOLLOWING TERMS:

To guard against mistakes or delays, the sender of a message should order it REPEATED; that is,
telegraphed back to the originating office for comparison. For this, one-half the regular rate is charged
ih addition. It is agreed between the sender of the following message and this Company, that said
company shall not be -liable for mistakes or delays in the transmission or delivery, or for non-delivery of
any UNREPEATED message, beyond the amount received for sending the same ; nor for mistakes or delays
in the transmission or delivery, or for non-delivery of any REPEATED message, beyond Ofty times the sum
received for sending the same, unless specially insured, nor in any case for delays arising from unavoidable
interruption in the working of its lines, or fur errors in cipher or obscure messages. And this Company is'
hereby made the agent of the sender, without liability, to forward any message over the lines of any other
Company when necessary to reach itu destination.
Correctness in the transmission of -i -"flsage to any point on the lines of this Company can be INSURED
by contract in writing, stating agz... -ijount of risk, and payment of premium thereon, at the following
rates, in addition to the usual charge for repeated messages, viz, one per cent. for any distance not exceed-
ing 1,000 miles, and two per cent. for any greater distance. No employee of the Company is authorized to
. varv The foregoing.
No responsibility regarding messages attaches to this Company until the same are presented and
accepted pt one of its transmitting offices ; and if a message is sent to such office by one of the Company's
messengers, he acts for that purpose as the agent of the sender.
Messages will be delivered free within the established free delivery limits of the terminal office. For
delivery at a greater distance, a special charge will be made to cover the cost of such delivery.
The Company will not be liable for damages or statutory penalties in any case where the claim Is
not presented in writing within sixty days after the message is filed with the Ccmpany for transmission.

ROBERT C. CLOWRY, President and General Manager.








PICCIOLA GROVE.


Report for week ending Saturday, j1 7t7iZ1 1 I90o
MONDAY,Z 6/f f L ^ CLL -C
YJ/c ,- 7cC ^/ (^ 1- ^ '/ {r^
/~~~~~~? KVa.^ ^-<^^o /^"KJ^~i^ Q- i0--c


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TUESDAY,
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THURSDAY, 1 CL t

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/ 4-f CL- --ly (- 4 zr9~/

FRIDAY, 'J 1 (t 6-
S/ 6-i "T^/



SATURDAY, / '9/ LL J1




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REMARKS: S476 ,c zi& ///

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eram No. 168.
THE WESTERN UNION TELEGRAPH COMPANY,
INCORPORATED
23,000 OFFICES IN AMERICA. CABLE SERVICE TO ALL THE WORLD.
This Company TRANSMITSand DELIVERS messages only on conditions limiting its liability. which have been assented to by thesenderof the fol" ng message.
errors can e uarded agast only by repeating a message back to the sending station for comparison, and the Company will not hold Itself liable for errors or delay
is bansmiao_ or delivery of sore pleated Messages, beyond the amount of tolls paid thereon, nor in any case where he claim is not presented in writing within sixty dayrs
alter the message is Wed with the Company for transmission. a
This Is an UtZlEPEATED IESBSAGE, and is delivered by request of the sender, under the conditions named above.
ROBERT C. CLOWRY, President and General Manager.

RECEIVED at Cor. Bay and Laura Sts. Jacksonville, Fla.
TELEPHONE 955.


7 'r. T,.o ,o, ( p'a.- -


So ,' :


T3rcoksvtlTe 'io .3 ,-m~c-


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* Telegram









WAYS OPEN.


r '1 I niT- s ,


TBcksO vntVl. ,


-I .


received and will notify Atient at once

-' .rv.rConnler.


1141 am-


MONEY TRANSFERRED BY TELEGRAPH.


CABL OFFICE.





'Coaneetlng North America with all points
In Europe and beyond, including Two
Cables of the American -Telegraph and
Cable Company, Four Cables of the Anglo-
American Telegraph Company, and One
Cable of the Direct United States Cable Co.
Direct Wires to Galveston, Texas, con-
necting at that place with the Cables of the
Mexican, the Central and South American-
Teegraph Companies for all points In
Mexico and Central and South America.
Di t W .i 6 u.Lt. u,.-_l. -H


The Western Union 4
Telegriph Company

1 THE LARGEST TELEGRAPHIC
O SYSTEM IN THE WORLD.
-OVER ONE MILLION MILES
W OF WIRE INJHE UNITED STATES
S AND CANADA.

It has oser 24,000 Telegraph
Offices,- including Branch Offices.
S .It has ilso Direct Connection
by T'elpgrpiph or Telephone with as
A*otny more' remote and smaller
stations, making a totat list of
over 50,000 in the United States,
* __' Canada and Mexico, and this num-
S be. is rapidly increasing.

Seven Atlantic Cables,


8 I
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e., Wr LC U ekhCr LU JLPan a CS 10 av a .I
Cuba,: connecting at that place with the
Cuba Submarine and West India and Pan- m
ams Telegraph Companies for all points
In tne West Indies.
Connects at San Francisco with Pacific r
Cables to the Sandwich Islands, Honolulu,
Guam, the Philippine, China, Japan, etc., l l
and at Victoria, B. C., with Pacific Cable |
to Australia and New Zealand. '
Connects at Seattle, Wash., .
with U. S. Government Lines .
and Cables to and in Alaska. "w. Y. T. CO THE COa n
Exclusive connection with the Great 2a.634 4.8ee8
North-Western Telegraph Co. of Canada. orricc. OrricES

Domestic and Foreign Money Orders by Telegraph and Cable "


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FRANP.r E LU 'V 2.i As'sa.Scc'Y


B. C. WHITFIELD, AGENT


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GEO.FSEWARD Ppcs-r.


ROB T J HILLAB,'dCE FPRS-SEC'y


MENRY CLROS"LEY. 655 SEC Y


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H. S. BUDD R. F. E. COOKE


FROM

S eesbrg Ftate BaR k,
LEESBURG, FLORIDA


To Mrfon. W. S. Jennings

Jx


I 5 7 .1907
Reply to your favor of 4tLh inst.

Mr Jordan :t',ve no directions in his ]et.er F-'-arding the rate of di's-

count, & while he told us to mail him check for proc---d.- we have as yet

received no special address. We therefore mail Lhe check to '..ou,& shall

be obliged by .'-our h:!.dini it to Mr Jordan. Chr:ck $1971.'36 is herewith

as rer statem,-t below. Yours tru y,


mnclo.

Discount 2' Y 82000 60 days
Exchange 1/10th
Draft herewith


26.67
1.97
1971.56
$2000.00





H. S. BUDD H. P. E. COOKE
FROM
eLesswrg State Bank, To Mr.
3ur Ro n HoH r. W.S.Jennings
LEESBURG, FLORIDA Jx

Reply to your favor of 2nd inst. received this a.m. 5 Malr.1907

Many thanks for your inquiries. My disposition on : -rling your letter

would be to put $10,000 in "he Cons.Co. ,-> subject to check. But I

will consult & r-rort later. Yours truly,


" \





* U u ". i v "i' truly. * df

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SOLE GRO
'^ Oranges
Grape-fruit Tangerines
T. L. SHEROUSE, Manager
CITRA, FLORIDA








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"'nn't )rti.,-ii 0 l s,1 ,.to (2). rn, .iv,-, 5- ) li 'inr ea t of


"t iiin' co0i',,-ncin '.'t "cint on 'te North "wundary

...* "of -th GQ or e:n I.?. :;. ,rk G rant ... c i, na d 91 "

*"li k .s C .t th +..h U .-thi.,t COT- O.6 o vf t:.iont -

"t ,T0) 12 Sou.,R.2 "-, thence flnfning 7,,46, -:

S .- "5"- w n s of t.-n e Lnke rill being in. c.. :

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OLE GRO

: Oranges
Grape-fruit Tangerines
T. L. SHEROUSE, Manager
CITRA, FLORIDA
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MONDAY,/
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PICCIOLA GROVE.
a~R46
Report for week ending Saturday, a-(U

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TUESDAY,/ t/ -pt C -i ~--

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WEDNESDAY,/ ^H6t4 !, I/
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REMARKS : p. ) p. U C-/ fi ~t /!4


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-'U.


-a. --
-C.

1*


, essrs D1lmv, "Stockt n and Price,
C City.
Gentlemen:


March 13th 1907.,


~*


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I
a'


1 I


I. have xamAinad, with some care, the provisions
of the Gepnral SI&t.tteE Of lori"c.. on the subject unaer-dls*
eussion yesterday nmrningr, relating to the foran-tion of a
Company, not for profit, arid I reara the Isttute as one of
limitation- to the, objects expressly enuor,.tead Lthrein, -re


*Any five or more eiarsvus J:uhinj ti fWirat,
(1) A Reli goua Society,
(8) A Lodge of Masons,
(3) Or any other .similar order,
()- Debating or Literary Society,
45) A Library Co4ax.ny,
(4) A zsievolent or Charitable Association,.
(7) A Selentific Institution of Learning,
(0) Or a COatery Coepany,
may beeme- incorporated b7 application to thi Ja4ge of the
Circuit Gourt,. (Section 2830, Spage L1 .) '
;t is oet elear to my ina. that the Asmelation
ropreus ten b Mr. htry -at his Associates somes withft
S- sAther of the above enumerated purpose, or powers of a

or iration not for profit, mad If they do net, the CircAlt
a wi to- powrlessa, n y opinions"e, to grant sach w













(.charter -

Sharter. It i also ono.aMtnt upon the Ci-nit Judge to

xaina. the proposed Charter, and if he finds it to be In -

:proper r-om ana foran b ject Autherized by this Chapter,
.he sy dorse It 'but the impliUation of law is clear that

9t, eon the- Aotber hatn, he find it Is for an object not an-
to.aed ad A* r ,b it woIal be his duty te disapprove the

"',-,_: ..... .. .l.tI n .
there Is i.e other more recent enactment

S: port& in th e G nral Statutes (Section 2857 ) 4ha

proviOes for -the IntorporiAtiqn of a 8@ciil Club or Soiety
..t for profit.
S"Xt it Is net clear to my mind that the Aesoci-

ton- seantewmlatod by tYr. Hendry and his Associates coi4td

W' be brought within this designation.
Under a recent statute (Acts of 1901 ) in-
ee rporat e n the General Statutes as section 2878, page

1010 is found this Ihanguage:
-*qb Inturance company, association, firm or-

-i .viduawl whether ine.orporated or not incorporated, ant
t he. r incorporated or organized under thq laws uf this
Statet, or of r any thr Sttet or country, nor it" agents, -
-, _
a tnen, nbribuNrO or rprqeen.tives, directly or

iandretXy, halO take any risk or tranatnt any business
... Inraa. 1i this Stat., ulesS such Co.pay, fatmseatlos

fis oer lt-tpiatM first obtaineA a certl ficate of an-
'.* .
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thority from the- Stat- Treasurer under the direction 'of

the Board of Insurane t Comlnaltnetrs.4

which, is followed by requirements to be*

furn-ised by Certifieate the statement, under oath, of .'

the offers -of the Company, showing in great detail -its

financial condition. ,
Section 2964, page 1081, of the General

Statteis, jproMvi that the provisions of the above

Ohapter shall not apply to the- Knights of Honor, Knights


tions now operating in Florida which havi for their object the

Insurance only of their own bon fit nieaber.. .

This provitles, strictly construed, would limt

Its applicatic to organizations organized prior to te -

tate of said law. A more liberal construction, which I

tank this statute la entitled to, could make 'it reAd "ach

fraternal organiaatuns operating in florida."

There i. ain aptearent conflict of the law tlt this

Subject, which is difficult to-roconcile. If the Court

bshuld construe Section 2764 to mean ath fraternal organ-

izations as have tar their object the insurance only of their

bona'fi o members, and approve the object ofat rch an ass

clation as Kr. Hendry and his associates contemplate, then,

anA in that-event, it would follow that a charter could be

obtained ; otherwise the applioation, in my epini on, would be



67-
- : -- -






, -. .' *'r .. . ,. .





_. ,
'-*



S In studying the situation further it occurred

to me that perhaps the suggestion might be followed a

mtep further, and in case it could. nut be properly organ-

iaed under the statute applicable to *eorporations net for

-_ profit*, -that we sxght'conalder the incorporation of the

Company-for such purpose under the General Ineorporating

Law with general powers, making the plann outlined by .rU .

/ endry a special feature. Under this plan it woul4 require
a Capital Stock of pifty thuuaand Dollars1 twenty-five thous-

and of securities to 'be'certlfied to tip -Board of Insurance

CoMApi-evners, under the provisions of Section 275t, General

Statutes. /

YYours very truly,


.1.

















$I

1





*'


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floar Sir:
s .:-- .






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fS -.-K^ : -
Kl^-,.:- '. . Your cnn-cl: .fo-r <30.00 f!




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*.nrch 14, 1907.


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or front up to "'?rirch 1,1007

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IS WCr~r~l~~r. 4r 4r.j h--~.~-~- y .







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Mr F.Widnler1,



iear: Sir:-- -
-vk-wd .1ni1 Vnr Panwn t.. utWlV1 S Ro is er'mmil


1907. ,


t of the


profoc tTe bloua, which .has been- carefully noted.

I have collected the overcharged made on the

:'. fencing wire, from thlp-Agent here. .

- .-* Enclosed -you till find check for One 'hundred

Dollars on- account of Pay Rolli ."

SYourd very truly -


1~


enc16.nure ,


I"


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March 15th 1907,,





I.- 2" l.Tr. T. L, Sherouse, -

: .C itrua, Fl rida.

S" -y Dear Sir:- .

S-In am in receipt of your favor of the l1th

.. instant, referring to the price of grain, ana I au ordering

ten sacks oat's and fi e sacks corn shipped to you by Seaboard

Air Line freight..

I am also in receipt of your favor. of the .nd

instant, and note that you have received the fertilizer and

Shave begun to scatter it.

Ipresume that Mr. C.olket has given you aiructions

as to just .how the fertilizer should be put on the groves,

and-of course you ;ill observe his directions closely.
" /-,.
_." /, I also have- yours of the 7th, which has been

noted. or the present, I ao not care to make pay dayys

each Saturday. It will involve an immense -amount of cleri-

d: al- work in my-office, unless possibly during the time you

work extra hands, such as your present %vork putting on fer-

tilizer, it would probably be best to pay the men each Sat-

urday. .You will find enclosed check for, One hundred

SDoLlars for tomorrow's Pay Roll-. -

I am having the fertilizer shipped to the Mat- .

thews Dock, if' satisfactory.'

..- -. -Yours very truly,

_- . ,: .--










Oranges


Grape-fruit


T. L. SHEROUSE, Manager


Tangerines


CITRA, FLORIDA


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PICCIOLA GROVE.


Report for week ending Saturday,/m MONDAY,




TUESDAY,39r 4/it ~ 6 / 6 6 K "/1
9 '4



WEDNESDAY, P4- i J,,"















SATHURDAY,X/- L L / a- L--





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g$ OLE GR0O
Oranges 0
Grape-fruit Tangerines //
T. L. SHEROUSE, Manager
CITRA, FLORIDA

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ly$OLE GR.4
S*Oranges
Grape-fruit Tangerines
T. L. SHEROUSE, Manager
CITRA, FLORIDA ,//' /__7




J oAa6/? / (547





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Tenth Annual Conference

for Education in

the South





Office of the President, 784 Broadway,
New York

March 18th, 1907.

According to an announcement already made by the Chair-
man of the Executive Committee, the Conference will meet at the
Carolina Hotel, Pinehurst, North Carolina, on the morning of
Tuesday, April 9th, at 10 o'clock, and will continue through the
following Wednesday and Thursday, closing on the night of
Thursday, April 11th.
At a recent meeting of the Executive Committee and other
officers of the Conference in Atlanta, it was decided to follow the
advice frequently given by many who are greatly interested in its
work, and for this year the meetings are to be held at a retired
place having sufficient accommodation for all who may desire to
attend, the purpose being to secure actual conference upon the
various methods employed for the promotion of public education
in the several States.
















The place chosen is in the State of North Carolina where,
at the Winston-Salem Conference in 1901, these meetings first
began to attract the interest of all parts of the South. Pinehurst
is central and easy of access to those who have been present
on former occasions and for the many others who have expressed
a desire to attend.
The plan for the entertainment of all members of the Con-
erence under one roof, will facilitate personal acquaintance and
a free exchange of opinions on the many vital questions which
especially interest those engaged in educational effort, and it is
anticipated that the exercises in general will be more informal
than they have been in previous Conferences.

It is impossible, at this date, to present a complete program,
but among the features will be the following:
A statement of the history and meaning of the Conference
and the Southern Education Board.
A discussion upon "Agriculture and the Southern Farmer",
by Dr. S. A. Knapp, of Lake Charles, La., Mr. T. 0. Sandy, of
Farmville, Va., and Dr. L. H. Bailey, of Cornell University.
A discussion of "Woman's Work for Public Schools", with
reports from women who have been foremost in the several
States in organizing effort for school improvement.
A State Superintendents' meeting, with reports from the
State Superintendents and from the Campaign Committee of the
Southern Education Board.
A meeting in the interest of High Schools and Secondary
Education, with reports from Dr. Bruce Payne, Prof. P. P. Claxton
and Prof. W. H. Hand.


There will also be addresses by President Harry Pratt
Judson, of Chicago University, and others who are eminent in
the educational world.
The Southeastern Passenger Association offers the following
rate on the railroads:

One first-class fare plus twenty-five (25) cents for the round trip
(minimum fare 50 cents) from all points in the territory south of
the Ohio and Potomac and east of the Mississippi rivers, including
Washington, D. C., Cincinnati, 0., Evansville, Ind., and Cairo, Ill.
Tickets limited to continuous passage in each direction, will be sold
April 7, 8 and 9, 1907, with limit good to leave Pinehurst returning
not later than April 18, 1907.
On the Trunk Lines from New York, Buffalo, Pittsburg and
intermediate points, tickets for the round trip to Pinehurst
may be obtained for one and a third fare. Those purposing
to go from north of the Potomac are advised to write for fuller
particulars concerning railroad rates to the "Secretary of the South-
ern Education Board," 784 Broadway, New York.

Fuller information may be obtained at local railway stations
early in April.
The rate at the Carolina Hotel, at Pinehurst, where the Conference
is to meet, will be $3.50 per day. Special arrangements may be
made for room with bath at $4.50 per day.

All persons expecting to attend the Conference should com-
municate, as early as convenient, with

Mr. H. W. PRIEST, Manager,
"The Carolina"
Pinehurst, N. C.

The influence of the Conference for Education in the South has
broadened and deepened with increasing power during the nine
years of its life. The first three Convocations were held at Capon
















Springs, W. Va., the last six at Winston-Salem, N. C., Athens, Ga.,
Richmond, Va., Birmingham, Ala., Columbia, S. C. and Lexington,

Ky. Its purpose is to spread the Gospel of Education for all the
people. Its aim is not professional but popular. All who
sympathize with its general aims are welcome to its sessions.

The topics presented and discussed have a common interest for
educators of every rank, trustees of educational corporations, public
educational officials and legislators, and intelligent patriotic citizens.
Each locality that has entertained the Conference has derived a
large benefit from its presence, many friends of education have found
encouragement and sympathy in attendance upon its sessions and
good fellowship has been created between people from widely
separated sections of the country.

S. C. MITCHELL, Virginia,
W. H. HAND, South Carolina,
P. P. CLAXTON, Tennessee,
GEORGE J. RAMSEY, Kentucky,
HARRY HODGSON, Georgia,
SYDNEY J. BOWIE, Alabama.
PAUL H. SAUNDERS, Mississippi,
JAMES H. DILLARD, Louisiana,
JOHN H. HINEMON, Arkansas.
Executive Committee.
ROBERT C. OGDEN, New York, President,
CHARLES B. AYCOCK, North Carolina, Vice-President,
BENJAMIN J. BALDWIN, Alabama, Secretary,
WILLIAM A. BLAIR, North Carolina, Treasurer.




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GROVE.


Report for week ending Saturday, j/izz ~ Y I90/


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CABLE ADDRESS "REGAL."
WESTERN UNION
UNIVERSAL CODE


EXECUTIVE OFFICES

109 SUMMER ST..

BOSTON, MASS.


FACTORY r
AND GENERAL OFFICES
WHITMAN, MASS.


MEN'S REGAL STORES:
ALBANY, N. Y. TREASURER ANR
ALTOONA, PA.
ATLANTA. GA.
AUGUSTA. GA.
BALTIMORE. MD,
BIRMINGHAM. ALA.
BLUEFIELD. W. VA.
BOSTON
BRIDGEPORT. CONN.
BROOKLYN. N. Y.
BUFFALO, N. Y.
CANTON. 0. Mr
CHARLESTON. W. VA.
CHATTANOOGA, TENN.
CHICAGO. ILL.
CINCINNATI, OHIO
CLEVELAND. 0.
CONSTANTINOPLE. TURKEY
DALLAS, TEXAS
DENVER. COLO. Dea
DETROIT. MICH.
EASTON. PA.
EAST WHITMAN. MASS.
FALL RIVER, MASS.
GLENS PALLS. N. thaY
HALIFAX. N. S. h
HARRISBURG. PA.
HARTFORD. CONN. in (
HAVANA. CUBA
HAVERHILL. MASS. are
HUNTSVILLE. ALA.
ILOILO. P. pubj
INDIANAPOLIS. IND.
JACKSONVILLE. FLA. which
JERSEY CITY. N. J.
KANSAS CITY, MO.
KEY WEST. FLA.
KNOXVILLE. TENN.
LITTLE ROCK. ARK.
LONDON. ENG. term
LOS ANGELES. CAL.
LOUISVILLE. KY. to0l
LYNN. MASS.
MERIDEN. CONN. inte
MEXICO CITY
MILWAUKEE. WIS. area
MINNEAPOLIS. MINN.
MOBILE. ALA. buBs
MONTEREY. MEX.
NASHVILLE. TENN.
NEWARK. N. J.
NEW HAVEN. CONN.
NEW ORLEANS. LA.
NEWPORT. R. I. have
NEW YORK
NORFOLK. VA. rose
NORWICH, CONN.
OAKLAND, CAL. a Su
OSKALOOSA. IOWA
PANAMA. SOUTH AMERICA that
PARKERSBURG. W. VA.
PATERSON, N. J.
PHILADELPHIA. PA.
PIrTSBURG. PA.
PORTLAND, ME.
PROVIDENCE. R. I. COm
READING. PA.
RICHMOND, VA. pros
ROANOKE. VA.
ROCHESTER. N. Y. C GiM
RUTLAND. VT.
SAN ANTONIO. TEXAS' at i
SAN FRANCISCO, CAL.
BAN JUAN, P. R. for0
SARATOGA, N. Y.
SAVANNAH, GA. BOSt
SCHENECTADY. N. Y.
SCRANTON, PA.
SEATTLE. WASH.
SPRINGFIELD. MASS.
ST. JOHNN. N.B.
ST. LOUIS, MO.
ST. PAUL. MINN. -
SYRACUSE. N. Y. "-
TACOMA. WASH.
TAMPA. FLA.
TAUNTON. MASS.
TROY, N. Y.
UNIONTOWN. PA.
UTICA. N. Y.
WACO. TEXAS
WASHINGTON. D. C.
WILKES-BARRE. PA.
WILMINGTON, N. C.

WOMEN'S REGAL STORES:
ALTOONA. PA.
AUGUSTA. GA.
BALTIMORE. MD.
BOSTON
BRIDGEPORT. CONN. -HALIFAX. N. S.
BROOKLYN, N. Y. HAVANA. CUBA
BUFFALO. N. Y. HAVERHILL. MAS
CLEVELAND. 0. INDIANAPOLIS, .-
DALLAS. TEXAS JACKSONVILLE. I
DENVER. COLO. JERSEY CITY. N.
EAST WHITMAN. MASS. KANSAS CITY. MC
FALL RIVER. MASS. KEY WEST. FLA.
GLENS FALLS. N. Y. KNOXVILLE. TENI


CE OF THE
D MANAGING DIRECTOR


BOSTON, March 23, 1907.


W. S. Jennings,


Jacksonville, Fla.


r Sir:-


We have your letter of the 19th inst. at hand, stating
you did not receive Prospectus which we advised was enclosed
ur previous letter. Owing to the volume of business which we
compelled to handle since this offering was announced to the
Lie, an occasional error in mailing may have occurred, for
h we apologize.


We have recently received from the publishers the Sys-
D'agazine reprint of articles describing in detail our organiza-
a and systematic methods of its various departments. It would
rest you to read this through, and note how our phenomenal in-
ise has been handled and how provision has been made for future
ness.


Mary wishing to anticipate the April investment period
filed their applications for stock, and some have requested
rations for later payment, and we would suggest that you send
Lbscription for such number of shares as you may desire to buy '
we may be privileged to grant you your full allotment.


. ,


I would call your attention to the confidence placed in the S:'
)any and its stock offering by the sixty-five banks listed in the
peotus which have consented to accept subscriptions. If more
'enient, you could make deposit with the Atlantic National Bank
'acksonville through which certificate will be sent, or you may
ard direct to the Treasurer, E. J. Bliss, 109 Summer Street,
on, by certified check or bank draft.


Yours very truly,


REGAL SHOE COMPANY




.- Tresaurer._


S.
ND.
'LA.

PI.
O.
N,


LITTLE ROCK. ARK.
LOS ANGELES. CAL.
LYNN. MASS.
MEXICO CITY
MINNEAPOLIS. MINN.
MOBILE. ALA.
MONTEREY. MEX.
NEWARK. N. J.
NEW HAVEN. CONN.


NEWPORT. R. I.
NEW YORK
NORFOLK. VA.
NORWICH. CONN.
OAKLAND, CAL.
PANAMA. SOUTH AMERICA
PATERSON. N. J.
PHILADELPHIA. PA,
PROVIDENCE, R. I.


RUTLAND. VT.
BAN FRANCISCO. CAL.
SAN JUAN. P. R.
SARATOGA. N. V.
SAVANNAH. GA.
SCHENECTADY. N. V.
SCRANTON.'PA.
SEATTLE. WASH.
SPRINGFIELD. MASS.


* -2
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1','


ST. JOHN. N. B. P
ST. PAUL. MINN. ,.
SYRACUSE. N. V.
TACOMA, WASH..
TAMPA. FLA.
TAUN'rTOi. MASg...
TROY. N Y.
WASHINGTON. . ':,V











THE SPACE ABOVE IS RE E A- *W ,

POSTA L ,
THE SPAQE BEI.OW IS FOR THE ADDRESS


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rch 1907 .



-. 71 o,. .r 3

H otl' ayno

*Atlantic ';it:, .imJ.e



jtI -ri!it0 th- "iciola 4- Qrov13 in F,!u-ry and 4g
. i *
on th-1 1"tn, 1i-ntajnt. t Y q tri- -31r hava madei I Pellnt growth "N



". one;;r rr-,her old. .i i:i
.*. rinwr vi u4tig o 1 the fertilizer wh ... 'as

re last and TI ur.ed i to Fo lo- r losely >ur in truct .-ons

ibot" as to- quantity i:r trv, -n7. tne manner of spreading it.

Ho f 0i ar7':VdQlfln-r the ihrtili::or IIinslf in circular forn-..'round

-the tre-. bei nin: nt about tho, outer ectge of the- liibs ina :.
S-- n Py t 4 n Ei .
strip rhout tiv' .)r 5t -7idJ. .llry on.- half of- -thr tree qere .f

heavy m1.son Th3 round. in sry ,.yr 3 so Amuceh qo,- that I advise d

hin, t: rter 'th- t\'ata s .s u.cn s .possil e winth his apliatncbi "'s

flt-r + nqtn -the rnrtil -r cnttdrd. rnd cultivated... 'e lhaiVe-

halt no r:.in sav sori- sho7-?arq of prairie benefit since Septenbet',-



to' .rit trhe7 '.undr. In viv ofP this condition--I -dee'it It.advi-eabi-

that .he continued -to ..ive his time to 'tering thi tees uni.-s '.

- r '.it X ''relievo : by .r infall .- "s
A t h. k i n t..,,* *n^
W:.
n; A.indest rf3garadt.n bo t'so'r rsei:s for iyouselur eIt'.d



Yours ve- tr..ul
.. ... 6: _



































'ng agon, and 'ange. your barrels and get the n"m.ftr of men-
A00's nuiA nixirAv of -bnrr'inl pfr rtany. tnat yqo.

.' ." npaeing not 1-esn than a half barrel of.' after to aeacht trees .
.,'.. . .- -- 4.
-T i ,imi anmner 'n to yleld thr.. bes-t results and report to no

S.' i .plan -.yo .have -dopte4.. and. the nunmbr of barrels t.int you
.~.U- a pLce on th .rove per day, .t will be best to work on

"'- t grave first, tho in.gin .: that-th upper rove is

b" ,y: p. n -ed .6f water.

^ u- ... .. . .. .. . -.. es
. _'. . ^::^ ._ .. -,.:




.. .. . .. .. .... I






,.OLE GR0

Oranges

Grape-fruit Tangerines
T. L. SHEROUSE, Manager
CITRA, FLORIDA /. /







( K.-/ .__ ;'L --t ..--
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/F,
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Fmg p i i-,'uch-..as -lie suggested, which- understood vw. tobr



-. e.n to him the key.- to the roo .. -
-I will enclose check coyvring 1balinoe on Ite.. -. v*

Int -a e'r fI lls that you handed me whilethere. .

S.. Yours truly, ..





.. ... ; X






-. - -. -



.*t s . ,.. . ..*.--.:













Jacksonville, Fla., March 28th, 1907.

Hon, W. S. Jennings,

Oity.

Dear Sir:--

We acknowledge receipt of your check in settlement of 1906

taxes, for which please accept thanks.

Yours truly,

THE NORTH SPRINGPJETjL 00.
T^iL t%














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PICCIOLA


MONDAY,
C-


Report for week ending Saturday, S c [go- I90/
2 --


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TUESDAY, 3 (,iL
54 e:-7^


WEDNESDAY, S /4 -U i- /




THURSDAY, ^ ^
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FRIDAY, L C
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SATURDAY,3 t
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REMARKS:7v oW/t


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> 3 Kat- ut & Ada,(e 1
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GROVE.


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S O LE GR 0
O Oranges
Grape-fruit Tangerines
T. L. SHEROUSE, Manager
CITRA, FLORIDA 0 -.












11 o



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.- : .. : -. .:.

? .. '. "tMarch 30th 19J?.



on. W. W. Colt, -


SPhiladelphia, Pa.. ..

Vy DezrJBir:- -- .-..
,' As you are aware, the continued drought

in Plorida is such as to practically destroy the Yegeta-

ble crop for thbs season, and the outlook for the Drn0ge

... crop is dd serious.. .
-* Some two weeks: ago I visited the Semiatole .
S Grove 'and others at Citra soon after quite A local
rain, and had hopeathat the apparent injuriousa ffe et

had been overcome by the ran, but letters froa Mr. her
.77 house bave indicated comparatively light bloom,- irregular
,t *.' : -. *
new growth, which clearly indicate injury from prolonged
drought -

:. fr. Billingsly- has been @pending gse 4ay-
.i n.McIntoah, and at.my.instanced visited the Qroveii on the
26th instant. I requested that. he examine- anreport-
-to me his finds, especially concerning the of

injury, if any, 'to the trees, or crop, on -aftah
S* -- .cold. I Dcab ebe re -athe oontnwed -or prese .rog -- -

th. prpect, for a general crop. 'K

... "g n tde e aefittd by .ia antit iraf.W
'as i will bo prscticabl to wt on a t pas of spras
St s, wagon-tau. &c., to Voa jt, In ..t.
".-.,:? -. .orn tw we ks~go :vi ite th _S~aln~e i-i ;" ,". .....,








^ ,,, -




".* -. W 2. -
T C 2.

That 'the orange trees bAve shedded all the

old- leaves, apparently occasioned. by the December cold,
though it is possible .that the continued- hedding of

. leaves hli. been cau.ed- by the continued drought.

The trees near the top of the hill or side next to the

:.- 'Packing House are np ,excellent condition, but are boak-

-ward in putting otit new growth.' The fruit is all .set

S and unusually large for -this time of the yeai. It iu.

411 on the upper branches and in-the very top of the
trees. On the lower side of the Main Grove there. are

probably fifty trees-that were practically killed.'by the

cold, and are without fruit or foliage, save a. ew sprouts.

The Grove on the point usually referred to as. The Budded ,.

G' rove* Is also in fine condition. The trues have, ore.

fruit and the foliagequite uniform. The.trees and the

*' fruit ar.e in the best'condition of an-, I saw inthe c .m-.

munity, and it is hard to tell what the outcome will be,

especially as to the oranges if the drought iv.prolonged. -
SMany of the trees have sheddod the regular bloom and -

S- have titlee oranges now set, .and are still puttl ot t

.-. itl oqte on:the t gry limbs, on which there are. ,

^S btholdiig thei r^ fruit.* w4.*.


vi .. 'M 3 ..: :
W.. of..
4A. ,

















S* A P M .R U I T.



the cold and. drought more than the Oranges or Tangerines

SNear thp Packing Houae-the trees have maintained thetr::?

old foliage and are well fruited and in.excellent.condi-
: *I ? .I ?




G R P ; U "I .. ":A









tion. On the lower-side there are a number of trees. .

S probably one hundred and fifty, that are injured by the

Scold. On a major portion of the Grape-fruit. Grove' the

fruit is near the top.of the tree, and.the crop .ight as
compared with lat year. .


TANG E R I E S.
_j .- : ." ,..
The Tangerine Trees are in far better condition ..

that the Grape Fruit, or even the Oranges, and Aere not
injured by the cold or the drought, only in the moat

general, way. The foliage is heavy and uniforan the
fruit is '411 set and the crop certainly three tiMa e, and.

probably four times greater than last year. The fruit
.la evenly distributed over. the trres and practical, all

the trjd ore heanly an f td l facts, in a deti ted 2.


n ta rru r
N:- b.. .J AWS.., ... no.. .. e'rr:n


.4 -c^ ^r. wth ..te :. ...h" |.. .
^ . *- .. r ..." .. Jg. .-- *
.,." TA N G R S." -
-:'" : heTnern resae nfr etr~odtin X,:








-. . -

WAT"RING.










-the groud is so verydry that to his mind it.appears
.However, it I my opinion that the gr ateit ... .
1 believe that R fie horse power gasoline eng . I.'



















stalled- at the well neary the Packing House would pvmp a

sufficient quantity of water by a continuous day waid night

operation, and would be extremely beneficial to both the
.ro and the trr.es
. -,.. . *













rom preseit indications, there will no-.. be










ipsltp"sfit ,in o tr on
..- -. -- round to bany seneal benefi t B ...n
-... ........................... "" "'"..'... ...


,erct On. scan orteras in bthge s froi m no o nutnttf -

Aft U--





stalled-at the well nearthe Pacin ouse would pump .



"- ;;-; ". R :?
..crop and the trees -- -, "


rfive hundred thousand boxes of fruit in Florida thin ysfl

Sas against two an one-half million last year. flat value


Sserplacing all the water-on the. growe that it ii romnd.Pf ,. -c:.
:';: .'. . r in %y d rak sp e"nl eo y u t w u : ...... .l"y :"',
a. "" 4 -. h


.* *-l.'-.. *e ... ** J V.. **.
_. *.--... .a t .- ..-. .. .-* -.... .......-.' q.-.
^:.-" eieetatafvehre oe gslneeg. i- ;,.
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TWO 5..


trees blooming prior to Juhe, and of .course the June

bloom does not yield a marketable fruit,

*$r. Bell's grove at Broukaville is in like

condition; not a single tree in his grove that has

bloomed or has any prospect of blooming. The same is

reported to be true of Mr. Hal-ls grove,aand others at

Brooksville. The groves there were not injured in the

slightest degree by the cold. Similar reports come from

Mahatee, DeSoto, Lee and a portion of Polk and Orange

Counties. The only places that report favorable conditions

are a portion of DeSoto, the West side of Hillaborough

County, and a portion of the groves north of Leesburg.

Bryan -is much relieved and improved, and is

now in school, much to our. delight.

Mrs. Jennings send love to Mrs. Colket,

and joins in kindest regards to yourself and family.

Yours very truly,


-N'


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BROOKSV1LLE COFFIN CO.,
J. F. HIGGINBOTHAM, Manager,
.


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S. E. MIOKLER.


F. B. COOLER.


MICKLER TURPENTINE COMPANY
MANUFACTURERS OF
NAVAL STORES
ARIPEKA, FLORIDA


Brooksville Fla.Marbh 30th 190

Mr.W.S.Jennings; Treasurer etc.

Jacksville Fla.

Dear Sir;

Please finddenclosed check for $271:25. being for 6/8th

ofthe purchase price of the Packing-house.I also enclose an order

from Mr.,.M.Hedick.for his share and myown share will make the

balance which I trust you will find correct.

I am away behind in sending this but B hvpe it will accepte
Kx-` = /&/.ELYpt


W. E. LAW. "


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dV M@. N.BROWNH.VICEPRESz W.S.BRANNING,CASH Ir. _.
TITUSVI LLE FLORIDA.


Loans and Discount.
Stocks & Bonds.
Buildin '.Acct.
Furniture and Fixtures.
Real Estate.
Expense sacot.
Scrip acot. County warrantss
Empire Irust Co. N. Y.
Atlantic Ntl Bank. Jax.
Cash account.
Suspense acct.


59.546.88
19.300.00
7.000.00
. .239.06
9.714.20
.2.850.37
939.90
52.234.32
2e.954.88
11.169.66
3.794.82


Capital Stock 25.000.00
Cashier's check acct. o08.00
Time certificate of Deposits 42.575.00
Individual Deposits. 125.968. 70
Earnings scot. Discounts. *2.688.80
Exchange. ;248.67
Rents. 553.42


.$297.24. 59


$197. 242.59


Loans and Discounts.
Stocks & Bonds.
Premium on Stocks & Bonds.
Building acot.
Furniture & Fixtures.
Beal Estate Acct.
Expense acot.
Scrip acot. County Warrants.
Empire Trust Co. New "ork.
Atlantic Nil Bank. Jax. Fla.
Cash. Account.
Suspense 'Acct.


55. E14. 3
18.&00.00
5.000.00
7.000.00


9. 714..20
2. 355.12
825.40
52.421.74
28. 676.42
24.0883.78
5.000.00


Capital Stock 25.000.00
Cashier's Check acot. 18.00
lime Certificate of Deposits.42.575.00
Individual Deposits. 129.707.59
Earnings acct. Discounts. 2.715.47
Earnings. acct. Exchange. 249.56
" Bent. 558.42


,'200. 929.04


$200.929.04


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/


(0










ANNUAl DIVIDENDS




AMERICAN

LIFE INSURANCE
COMPANY OF
TAMPA, FLORIDA








W. B. HENDERSON, PRESIDENT
H. L. KNIGHT, FIRST VICE PRES.
C. A. CARSON, SECOND VICE PRES.
HORACE, C. GORDON, SECRETARY.
FRANK BENTLEY, - TREASURER.
WALTER C. WRIGHT, ACTUARY.
W. P. ADAMSON, MEDICAL DIRECTOR.
F. M. SIMONTON, LEGAL COUNSEL.
F. C. BURNHAM, - GENERAL MGR.


I. -I j









Reasons for Insuring in the
American Life Insurance Co.
of Tampa, Florida.


1st. Because it is capitalized at $500,000,
every dollar of which is subject to call if
needed.
2nd. The Stock is divided among two
hundred and fifty of Florida's best business
and professional men, which spreads the in-
fluen'ce thus obtained over a large area, and
also prevents the consolidation of power in
the hands of a few men.
3rd. It is officered by men of known in-
tegrity, who occupy high positions in the
business world of the State, and who have,
to a man, made a success of their particular
line of business.
4th. It employed, at time of organization,
one of the most able and highly esteemed
Actuaries in the United States, with the re-
sult that its Premium Rates, Expense Load-
ings and Surrender Values are much more
scientific, more equitable and fair to the
assured than those of any 'other Company.
5th. Its Policy contracts are plain, simple
promises to pay, with no vague clauses or


fine print, and in point of liberality to Policy
Holders are unexcelled.
6th. The Company did not, and will not,
adopt the "One year preliminary term plan,"
or any other device designed to cover high
commissions to agents and other excessive
operating expenses, but, on the contrary,
puts up at once the full legal re-
serve on every policy issued.
A Company's Reserve is its Sheet Anchor,
and this country is full of the wrecks of con-
cerns that failed to recognize this fact, or,
while aware of it, tried to avoid for a time
the laying aside of proper reserves in order
to use the money thus rendered unnecessary
to compass a rapid growth.
7th. It is a new Company, and a new
Company has three very decided advantages
over an old one, advantages that are not off-
set by disadvantages: First, because of a
much smaller annual income to invest,
higher interest rates are obtained; second,
the age limit being 60 years, there will be
no deaths from old age for many years;
third, the greater part of the value of a med-
ical examination is supposed to be dissipated
in from five to seven years. So that in the
case of a new Company, where all risks have


been recently examined, the full benefit of
medical selection is enjoyed and the profits
from this source increased, while in the case
of an Old Company only a small percentage
of its lives are in the recently examined class.
8th. It is a Florida Institution, a State in
which higher rates of interest can be ob-
tained than in almost any other State in the
Union, and, as its Premium Rates and Re-
serves are based on the assumption that only
3 1-2 per cent may be earned, every dollar
of net interest earned in excess of the re-
quired 3 1-2 per cent may be used to add
strength to the Company and in
the payment of dividends.
A careful perusal of these reasons will,
we feel sure, convince the most skeptical
that we have good reasons to be proud of
the Company and to ask for a share of your
patronage.



EXECUTIVE COMMITTEE.

W. B. HENDERSON. FRANK BENTLEY
G. C. WARREN. H. L. KNIGHT.
F. M. SIMONTON, GORDON KELLER,
HORACE C. GORDON, M. W. CARRUTH.
W. A. GALI.AHER.












Board of Directors.


M. W. CARRUTH,
President American National Bank.
G. C. WARREN,
Beckwith, Henderson & Warren, Real Estate
R. A. CROWELL.
General Manager Tampa Steam Ways.
W. H. OSBORNE,
Insurance.
G. N. BENJAMIN,
Capitalist.
M. M. JETTON.
President Jetton-Dekle Lumber Co
ALBERT CARLTON,
President Carlton & Carlton, Bankers.
A. C CLEWIS,
President Exchange National Bank.
ERNEST BERGER.
Broker.
H. J. DRANE,
Fire Insurance.
C.P. FULLER,
Merchant.
JOHN TRICE.,
President Citizens' Bank and Trust Co.
G. W. REYNOLDS,
Attorney-at-Law.
JOHN SAVARESE.
President Tampa Fish and Ice Co.
J. H. DREW,
Drew-Henderson & Harris, Bankers.
EMILIO PONS.
Of Morey & Pons, Cigar Manufacturers.
C.C. CHOLLAR,
Cashier First National Bank, Arcadia.
J. J. HEARD,
Capitalist.
C. W. LAMAR,
President First National Bank, Pensacola.
A. T. WILLIAMS,
President People's Bank & Trust Co., Jacksonville.
T. N. HENDERSON,
Of Tampa Harness & Wagon Co.
W. A. GALLAHER,
Vice-Pres. and Mgr. Consolidated Grocery Co.


Board of Directors.


T. A. JENNINGS,
Vice-Pres. J. P. Williams Co., Naval Stores.
W. F. STOVALL,
Pres. and Mgr. Tribune Publishing Co.
GORDON KELLER,
Treasurer of City of Tampa.
F. M. SIMONTON,
Attorney-at-Law.
A. MAAS,
Merchant.
J. H. MILLS.
Capitalist.
H. W. COLEMAN.
Vice Pres. Merchant's Bank of Pasco County.
HORACE C. GORDON,
Secretary American Life Insurance Co.
W. M. BROOKS,
Cigar Manufacturer
C. A. CARSON.
President State Bank of Kissimmee
W. B. HENDERSON,
Capitalist.
A. P. STUCKEY,
Naval Stores Operator
H. L. KNIGHT.
President Knight & Wall Hardware Company
W. C. CLARKSON,
Cigar Mfg'r. P. San Martin & Co.
FRANK BENTLEY
Pres. Bentley-Gray Dry Goo -s Company
E. G. HESTER,
Manager Havana-A nerican Cigar Company
ENRIQUE PENDAS,
Cigar Manufacturer and Capitalist
JOHN B. MOODY,
Capitalist
S. B. HOUGH,
Naval Stores Operator, DeLand.
A. J. KNIGHT,
Capitalist
W.A VARNEDOE,
Capitalist.


ANNUAl, DIVIDENDS







AMERICAN

LIFE INSURANCE

COMPANY OF

TAMPA, FLORIDA


W. B. HENDERSON, - PRESIDENT
H. L. KNIGHT, FiRST VICE PRES.
C. A. CARSON, SECOND VICE PRES.
HORACE, C. GORDON, SECRETARY.
FRANK BENTLEY, - TREASURER.
WALTER C. WRIGHT, ACTUARY.
W. P. ADAMSON, MEDICAL DIRECTOR.
F. M. SIMONTON, LEGAL COUNSEL.
F. C. BURNHAM, - GENERAL MGR.


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RINALDI PnINTING CO., TAMPA.