The Huron Expositor, 1938-12-02, Page 7?'? 411!
,p•
•
complete and modern X-ray and other
up-to-date diagnostic and thereuptic
equipment -
Dr. Margaret K. Campbell, M.D.,
L.A.B.P., Specialist in diseases in in-
fants and children, will be at the
Clinic last Thursday in every month
from 3 to 6 p.m.
Dr. F. J. R. Forster, Specialisf in
diseases , of the ear, eye, nose and
throat, will be at the Clinic tine first
Tuesday in every month from 4 to 6
p.m.
Free Well -Baby Clinic will be held
on the second and last Thursday. in
every month from 1 to 2 p.m.
3687-
W. C. SPROAT, M.D., F.A.C.S.
Physician and Surgeon
Phone 90. Office John St., Seatorth.
12-88
R
eyQ,n
ItEUILID BURT a�
THIRD INSTALMENT
SYNOPSIS
Jocelyn Harlowe, raised in a
French convent, at the age of
eighteen joins hes another, Mar-
cella, • in New York., Worried
about herr safety, because `she 2s
unfamiliar with the modern world
and has developed into a beauti-
ful woman, her mother's first
wish is to get her safely married.
Attending her first ball, Jocelyn
meets Felix Kent, rich, handsome
and nineteen year older than
:herself) Encouraged by bi e r
mother, she and Felix quickly be-
come engaged. Alone in her
apartment ane night, a cripple,
Nick Sandal, enters' by the fire-
eecape, coruides in cher that he' is
'her father and that her real game
is Lynda Sandal. He gives her
Iris address, inquires about her
dooming marriage and disappears
as mysteriously as he had come.
She confides in her mother that
she doesn't want to get marr}ed
so soon, but her 'mother tells• her
it is for the best just as. Felix
comes in and takes her in his'
arms.
"Crying, loveliest?"
Jocelyn answered in -voice,
a hard
"No."
"Are yen angry about somethin?"
"Yes"
"Have I done anything to .hurt you.
dear? If so, it was quite unintention-
al. "
"You haven't done' anything. Ire
what you are."
"Jocelyn! Dp you realize what you
are saying? That's, pretty hard:"
"I know it is. I feelohar& And I
can't believe that you love me."
"But dearest."
""If You dad., if I felt that you did,
I would be happier." •
"Jocelyn," he 'began' in anger but
promptly controlled himself, assuming
a tone of authority..., "Ydu're just a
child and you are indulging yourself
in a mood. Gene on. Get ready to
go out. You need a change of scene
and some diversion- I'll take yo• -t
dawn to my office . . I have, to go
there . and to lunch somewhere
amusing afterward. A theatre, may-
be. That will give you a break, won't
it? Something new to think about-"
• "Oh, Felix, will you? I'd• love to
see your office. I've never been inside
an American office. Will you show
me everything? Will you explain ev-
erything?"
The office occupied the third floor
of a tall narrow building. Its win-
dows faced at one end the street, at
the other a narrow alleyway. Joce-
lyn's eyes, healed from tears as
quickly as a child's,. were bright with
curiosity and with excitement. The
observant clerks and stenographers
in the outer office made her flush.
In Kent's inner sanctuary-, the office
that looked, out on, the alleyway, she
was introduced to Miss Rebecca Deal,
a little ruddy sturdy woman with
bright eyeglasses and a wide mouth.
When Felix left to interview some
one -.in the outer office, she sat down
in his -evolving chair before hisgreat
neat hrndsome desk and, looking at
Miss 1)eal with all her eager eyes,
began t i question her:
"Vcu work- here with him every
day?"
Ha'' -f the trope he's off, Miss Har-
lowe, in Chicago or the Southwest.
He's interested, as of course you
know, in all these mines."
"Are they the crosses on the map
here against the wall?"
"Yes. He Las so many irons in
the file, only : alwayA say they
oughtn't to be called 'irons' but 'got -
dens' for the value of them •
though they don't show any sign of
melting. There never was a luckier
or smarter man than your finance,
Miss Harlowe."
"It seer's so queer to me." said
Jocelyn with her slow wistful smile,
"that all this side of his life just
means nothing to me. How much bet-
ter you know him than Ydo!"
Rebecca blushed and laughed.
"Oh, now, you've got no call to
say that, I'm some. You, his . best girl
I•
r
"You will think I'm a perfect idiot there, But don't worry; Felix. I'm
but. you know." 'better alone tonight. Marry will stay
"IMI like Pandora, Miss 'Deal; Jose- in. Good niter Forgive me. I was
lyn admitted• "I'd like to know how horrid." -
to ,open) it. Do you suppose he'd tellWhen, he was gone Jocelyn went to
me?" her motlher's.prie dteu and tried to
Miss Deal shrugged. Behind • the pray. But the tears of anger and
glasses' her., eyes were half pitying tears of pe'n'itence were dry at their
and- half contemptuous. very source.
• "You think I haven't much chance, In her own room, she sat down on
don't you?" asked Jocelyn shrewdly. her 'bed and thought. After a while
Mies Deal covered her confusion at she pulled out a big leather valise
the pretty fool's &uprising perspica- from her closet and rummaged there.
city, in a clicking slide of compliment She dressed herself in a pleated long-
Then
short
and cordiality. plaid skirt, a black tight jersey,
Felix entered and the girl s'lee'ved, high in the 'throat, a little
came toward him, speaking earnest- jacket and in a big old tam o'-shan-
ly. A mew Jocelyn seemed to meet ter.
him at every turn' he made. . - Before she put bilks ou her head
"Felix, can't I learn how to do these she ran her fingers back and forth
things foe you? I mean, if Miss Deal through hem sleked thick hair until it
could' teach me, I'd love to work with was the wild' unruly mop of a golli-
you, to urelerstand . wog. She -went to her mother's room
"Out to'steal Miss Becky's job al- and examined the likeness she had so
ready, are you? Bless you, darling, abhieved: a girl with a slim high -
you're a srweet child. Isn't she a- colored face, a firm rich mouth, a
sweet child, Miss Becky?" a pair of tilted gleaming eyes: 'a• girl
Miss -Becky made a dry sound which with a swagger that was made dharm-
passed for an assent. ing by its lines of race and breed -
"I would really like to know about bag.
your business, Felix.,' "Oh, Lynda Sandal," said Jocelyn,
"You shall know whatever you want "I am going to like you. Maybe you
to know, sweetheart." He winked back will be -wonderful!"
at Miss Becky restoring her good hu- Coiling a trunk rope round ,her
mor and ter sense of superiority. arm she awitched off her light and r.. .
' swung her leg across the window-
sill.
It was all bark below in the well.
There lay the entrance to the alley
dote by the ladder's foot. The city
with . its lights and towers, its horns
Of river travel and of land traffic,
called to her blood;
All the way down toward that
dark pavement with its exit to an
unknown world, she said, "I'm not
afraid'. I'm not afraid-"
By the time slie reached the pave-
ment, this was true.
"Does a Mr. Sandal live here?"
"Yes'm. "T'ree flight up."
• Jocelyn handled the Japanese boy
some money and told him to pay, and
to dismiss her driver. Then, her
heart jumping and her lips cold, she
began to mount the stairs in front of
her. The hall she left was dimly
lighted. Behind closed doors there
were subdued regular sounds of card
play: the clack and shuffle, the light
slipping noises, brief statements, the
shifting of chairs. On the second floor
people were dancing and making a
great jolly hub -bub. On the third
floor vehen the breathless n.dventurer
came nearer to it there was a sound
of low masculine eo•mmen•t and again
the clack and shuffle of cards. A door
stood open.
Jocelyin paused before she took the
last few steps. of her ascent. She
wished to reconnoiter and to com-
mand her disordered pulses and her
jerking nerves. Her eyes were on a
tav el with the threshold of the open
door. Opposite her across the width
of the comfortable shabby room Nick
Sandal crouched on a battered sofa
against the wall. He was twisted sp
painfully among some tattered cush-
ions and smoked a pipe. His bright
eyes watched a group of four men
playing cards at a table.
The faces of three of these men
were visible to Jocelyn, all in their
shirtsleeves, ,two in' profile and one
facing her. The fourth sat with his
back turned and wore a coat.
Thegame came to an end,• the man
whose back was turned to her push-
ed back his chair and rose- •
"Blast that Jack of Diamonds!" he
said and picking up a card slung him-
self in a supple and silent fashion
across the room and stuck the card-
board objectagainst the wall, using
for the purpose a piece of chewing
gum. "That diamond digger sits on
my neck like a fetish. I'll put a hole
into his blond beauty-" And stepping
bark a pace he took a knife from his
hip pocket, balanced it in his palm
and, threw it with swift and furious
Skill so that it stood quivering in the
center of the card.
Thereafter all four men returned to
their play. The knife -thrower now
faced Jocelyn. He was young with
naturally vivid features which had
been worked into a grim and iron
mask.
Then he glanced up from his cards
and saw her. He rose as though her
silent face out there had frightened
him.. She came rapidly up the last
few steps and stood before him in
the door.
"Boys, this is my daughter," he
cried out sharply.
"Go on with your game, please,"
she said. "I came to talk to my
father."
Tho men obeyed. with 'alarcity.
Jocelyn sat down beside the cripple
on his battered lounge and put her
hand uncertainly upon his free one.
(Continued Next Week)
h;
s .
Statement tement Shows.
Strong Faa!Acial
Position.
SShdw1g =sets at the highest ,point
since 1929, the Sank of Montreal's
amr:ual firnan'clal •tstatemment just issued
contains numerous features which in-
dicate a, steady expansion in opera-
tions during the past twelve months.
Not 'only does the statement show
that the Bank has maintained its tra-
rtj t4onaB y strong position but the fig-
ures reveal a year of progress in all
the main chalvnelie of the Bank's busi-
ness, with assets up by over $44,000,-
000 bringing the total to $874,255,828,
the highest in any year
ofsince
n e 1t 29.
e
The liquid poled
shown by° quickly available resources
which total $620935,119, or 77.80% of
all liabilities to the public,•
Notable is the snrlba'tantial increase
in lotane which, exclusive of call
money, amount to $227,000,000 as com-
pared with $204,000,000 a year ago.
Call loans in Canada show a slight
decrease compared with those of 1937
other
foxiur .000
$:162,000,0.00 wtihIle .;
toff: $440,000,000,'.all imcr ae
000,0.00 -
'I'be ata#aenw t '000 t the'
which has just entered lts•122nid:
has maiwtainad • Ii* Jliypi cU R9
with cluickiyiy •available s of
unwitting to $.620,0004000. 17145, Jf 8
are shows an.iacneane of more Tinnl,v.
$21,000,000 as compared with a• year
ago: la addition, to the t rnufleft
seenrbties, included under •his lewd••
ingare cask reseur,ces amounting to
$152,000,000• represented by money io
Abe Bank's vaults., on deposit• with
other banking institutions. and maters
and cheques on other banks paynbie
on demand.
The Bank's' assets', which amount.
to 8874,255,828, show an increase of
$44,000,000 as compared with 1937,
and th'e excess of assets over liabili-
ties to the public, represrenti'ng the
shareholders' equity, amounts to $76,-
916,337.
Profits Slightly Down
In the matter of profits, while the
statement shows a reduction of $10,-
,000, it is to be noted that the pay-
'those ?tg;;
�*
Total Assets! . 8;74 255,8
Cash ,I. Gs, r 152,540,08
Liquid: Assets, 04,335,141
G'ov't. , .otter
Bonds'. - 440,7 l6,820
Call Loamne out: •
side Canada' 21,493;005
Can Loans tan
Canada. .... 5,374,980
Current Loans 227,743,449
Total Deposits 763,156,945
Capital, .'sou r
•
pills, U'ndi-
v'd'od Pro.
fits land Re-'
serves, for •
Dividends •76,916,337 • 76,897197
Profits 3,3.98,390 3,408,328.;;
•
,e.
19.871
6;867',890441
717,799,1
DIR. F. J. BURROWS
Office, Main Street, over Dominion
Bank Bldg. Hours: 2 to 5 p.m. and
7 to 8 p.m., and by appointment.
Residence, Goderieh Street, two doors
west of the United Church. Phone
46.
12-86
DR. HUGH H. ROSS
Graduate of 'University of Toronto,
Faculty of Medicine, member of Col-
lege of Physicians and Surgeons of
Ontario; pass graduate course 1n
Chicago Clinical School of Chicago ;
Royal Opthalmie Hospital, London,
England; University Hospital, Lon-
don, England. Office—Back of Do-
minion Bank, Seaforth. Phone No, 5.
Night palls answered from residence,
Victoria Street, Seaforth.
12-38
DR. F. J. R. FORSTER
Eye, Ear, Nose and Throat
Graduate in Medicine, University
of Toronto.
Late assistant New York Opthal-
mei and Aural Institute, Moorefield's
Bye and Golden itais, London, Eng.' Square THos-
pitals, Commercial
al
Hotel, Seaforth, third Wednesday In
each month, from 1.30 p.m. to 4.30
pin. 53 Waterloo Street South, Strat-
ford.
"Just, you ask questions. Miss Becky
and I will answer them."
"And; both of you know quite well
that I'm ignorant even to know
what questions." She was close to
tears.
• Felix became at once serious, re-
spectful and concerned. Miss Deal,
with a twisted .mouth of irony, re-
turned to her typewriter.
In the limousine, on their way to
lunch, Felix spoke tenderly:
, "You mustn't be hurt at my teas-
ing you, Jocelyn. I do want you to
be in my confidence, but I never
thought you'd be interested in this
sort of thing."
"But this sort of thing is just part
of all I must know, Felix. I have
been so put away and shut up -
like one of these unlucky princesses
in towers:. Do you think I could take
a business 'cdurse, perhaps, after we
are married?"
"You may take any course you like,
beloved. But y1au mustn't hate your
beautiful innocence. It is just be-
cause you are so exquisitely different
that I love you."
And it was that very afternoon
when they quarrelled for the first
time seriously.
Jocelyn was playing for him. He
would 'often ask her to, for although
his interest in ;.,music and his under-
standing of it were negligible it ob-
viated the necessity for conversation.
Yet Jocelyn wanted to talk.
She played, therefore, -rebelliously
and chose, snapping off in 11.4 middle
of his favorite "piece" (the ballet
from Sylvia) that melody of her own
composition, the nursery rhyme set
to the intervals of terror.
Shesang and her face charged:
()uand le petit bos'su, ma foi!
Vient Se placer derriere mol."
"Tell me what it means," com-
manded Felix, striding toward her,
his mouth set. For there was a look
in the girl's face that wake the tyrant
in him.
"this is my secret," sae Jocelyn in
her queer light tune. "It is like the
combination of your safe that holds
your papers and your contracts and
your corresp,on,dence and your anci-
ent love -letters."
•
"1, must have my secrets. Mother
has hers. And you have yours. I've
tried to win tthemi from you. But, no,
you will keep them to yourselves. And
now you can't Beare mine out of me
by placing yourself there behind me,
ma foi! Because you are a great tall
straight man as simple as a perpen-
dicular line - . . or a wooden post."
"Stop taunting me, you little devil."
He pulled back her head and kiss-
ed her on the mouth and she, spring-
ing up, struck at him with a violence
that sent him staggering.
"Jocelyn!"
"I told you to be careful," she said.
"You have the temper ofa tigress.
How dare you fly out at me likethat?
12-•87
DENTAL
DR. J. A. McTAGGART
Graduate Royal College of Dental
Surgeons, Toronto. Office at Hensel],
Ont. Phone 106.
12-87
AUCTIONEERS
. cI
HAROLD DALE
Licensed Auctioneer
Specialist in farm and household
sales. Prices reasonable. For dates
and information, write or phone Har-
old
arold Dale. Phone 149, Seaforth, 'or
apply at The Expositor Office, 12-67
The Walker Cup match at St. An-
drew's has lneplred this story.
A bowler -haute,) spectator strayed
ons to a course diming a recent
nmlateur championship. "How Is.
Tolley doing?" be asked a member Of
th gallery.
"Tree up," was tate reply, to which.
`. ut>rtei.. west another Quilty:.. "And
llsoiryr'el tltel Other il)ok& doing?"
roil
;.t;?
"Stop taunting rue, youlittle devil," he said.
and everything! But in a manner of
speaking, yes- I'rb in his confidence.
He calls me his second safe. The first
one's over yonder."
Jocelyn looked at the great gay
shining box, sealed' against her as
closely as the real mind of its own-
er.
"What's in it, Miss Deal?" •
"His most important. papers: Con-
tracts. Corr'espond'ence. Heaven knows
what all!"
"And you know all about them?"
• "Why, no; Miss Harlowe, I can't
say I do. But sometimes 1 get ac-
cess to them. Not that I know the
cormbinetion. Mr. Kent's the only one
who knows that."
The nuns 'would shut you up on bread
and water."
"As you will, no doubt, when you
are my husband. I don't, think I want
a 'husband . . . me!" I will 'not
make you a good wife."
_"You will, hawenrer, be a delicious
. womanrto-love . - ." thought
Felix and said aloud, "I won't tease
you then, darling. I'll gb away and
leave you in peace. Engagements are
the very devil •amytbow. Are we ,
all right again?"
"1 suppose so," said Jocelyn Simp-
1y.
"Will your another be back soon?"
"No. She has gone up the river to.
see a friend lOf here in the sisterhood
"Blinks, dear fellow, isn't it about
time you repaid me, that little loan?"
"My dear boy, 41 isn't a question of
time, but of money!"
94t1 9figie44
/
RATES
15PASZ
NO HiGHER
A QUIET, WELL CONDUCTED,
CONVENIENT, MODERN 100
ROOM HOTEL -13'6 Wi7'H BATH
'WRIT$ FOR FOLDER
TAKE" A be LUXE TAXI
FROM DEPOT OR WHARF -25o
BANK OF MONTREAL
Established 1817
tai presentation, in easily understandable form,
of the Bank's
ANNUAL STATEMENT
31st October, 1938
LIABILITIES
LIABILITIES TO THE PUBLIC
Deposits •
Payable on demand and after notice.
Notes of the Bank in Circulation • •
Payable on demand.
Bills Payable . .
Time drafts issued and outstanding.
Acceptances and Letters of Credit Outstanding
Financial responsibilities undertaken on 'behalf of customers
(see off -setting amount in "Resources").
Other Liabilities to the Public -
Items which do not come under the foregoing headings.
Total Liabilities to the Public - •
LIABILITIES TO THE • SHAREHOLDERS
Capital, Surplus and Undivided Profits
and Reserves for Dividends
This amount represents the shareholders' interest in the Bank,
over which liabilities to the public take precedence.
Total Liabilities - . - -
•
RESOURCES
To meet the foregoing Liabilities the Bank has
Cash in its Vaults and Money on Deposit with
Bank of Canada •
Notes of and Cheques on Other Banks
Payable in cash on presentation.
Money on Deposit with Other Banks
Available on demand or at short notice.
Governmentand Other Bonds and Debentures -
Not exceeding market value. The greater portion consists of
gilt -edge securities which mature al early dates.
Stocks . - - . . . - .
Industrial and other stocks- Not exceeding market value.
CallLoans outside of Canada • - • -
Secured by bonds, stocks and other negotiable securities of
greater value than the loans and representing moneys' quickly
available with. no disturbing effect on conditions in Canada.
Call Loans in Canada . - • •
Payable on demand and secured by bonds and stocks of greater
-value than 'the loans.
Bankers' Acceptances - •
Prime drafts accepted by other banks.
TOTAL OF OUICKLY AVAILABLE RESOURCES
(equal to 77.80% of all Liabilities to the Public)
Loans to Provincial and Municipal Governments
including School Districts
Other Loans - . - •
To manufacturers; farmerr, merchants and others, on conditions
consistent with sound banking.
Bank Premises - •
Two properties only are carried in the names of holding
companies; the stork and bonds of there companies are en-
tirely owned by the Bank and appear on the books at $1.00
in each case- All other of the Bank's pay under this beading.
mises, the value of
Which largely exceeds $13,900,000, appe
Real Estate, and Mortgages on Real Estate Sold by the
Bank .
Acquired in' the course of the Bank's business and in process
of being realized upon.
Customers' Liability under Acceptances and
Letters of Credit . • - -
Reprerents liabilities of customer( on account of Letters of
Credit issued and Drafts accepted by the Bank for their
account.
Other Assets not included in the Foregoing
Making Total Assets of
to meet payment of Liabilities to the Public of
leaving an excess of Assets over Liabilities to the Public of
$763,156,945.74
22,542,921.56
-149,848.31 4'-
8,377,574.84
3,112,201.10
$797,339,491.49
76,916,337.39
. $874,255,828.88
$ 88,225,623.35
30,371,395.13
33,943,063.62
440,736,820.55
159,651.75
21,493,005.38
5,374,980.29
30,579.85
$628,335,119-92
37,015,594.19
190,687,855.52
13,900,000.00
1,096,707.73
8,377,574.84
2,842,976.68
$874,255,828.88
797,339,491.49
_F $ 76,916,337.39
PROFIT and LOSS ACCOUNT
Profits for the year ended 31st October, 1938, after making appropriations
to Contingent Reserve Fund, out of which Fund full provision for Bad
and Doubtful Debts bas been made, and after deducting Dominion and
Provincial Government Taxes amounting to $1,152,618.49? 880,000.00
Dividends paid or payable to Shareholders ,880,000.00
Appropriation for Bank Premises
Balance of Profit and Loss Account, 30th October, 1937 . • •
Balance of Profit and Loss carried forward
CHARLES )3. GORDON,Prendent
$3,398,390.99
3, 380,000.00
$ 18, 390.99
1,164,863.53
$1,183,254.52
JACKSON DODDS,
G. W. SPINNEY,
Joint General Managers
* * *
I{ The strength of a bank is determined by its history, iti /iol'ic
its management and the extent of its resources. Icor 121., yoars „Mt
•
Bank of Montreal bas been inthe forefront of Cterutdsan; finarii0i,
ry
a.
+b:
fi
•s
t,
0
�ft
2f
o-:
ss
• LEG. •
HAYS & M E$R .1 `
Succeeding R. S. Hay.
BersJenria, .5211cit9rs, ganveYalwera
and Noti4r1e8 Public. $olicitOrs for . .
the Doligni011 Bank. Oak* in rear of
the Dominion Bank, 8eaitarths Money
W lam' 111-418
D,CEY & BOLSBY
BARRISTERS, BOLICITORB, ETC.
LOFTUS E. DANCEY,- K.C.
...P. J. BOLSBY-
GODERIC.H BRUSSELS
12-87
ELMER D. BELL, B.A.
Successor to John Ii. Best
Barrister, Solicitor, Notary Public.
• Seaforth - Ontario.
12-84
McCONNELL & HAYS
Barristers, Solicitors, Etc,
Patrick D. McConnell - H. Glenn Hays
S'EAFORTH, ONT.
Telephone 174
3693-
VETERINARY
A, R. CAMPBELL, V.S.
Graduate of Ontario Veterinary Cpl -
lege, University of Toronto. All dis-
eases of domestic animals treated by
the most modern principles. Charges
reasonable. Day or night calls
promptly attended to. Office on Main
Street, Hensel', opposite Town Hall.
Phone 116. Breeder of Scottisth Ter-
riers, Inverness Kennels, Hensel,.
12-81
MEDICAL
SHAFORTH CLINIC
DR. E. A. McMASTER, M.B.
Graduate of University,,, of Toronto
J. D. COLQUHOUN, M.D., C.M.
Graduate of Dalhousie University,
Halifax.
The Clinic is folly equipped with
complete and modern X-ray and other
up-to-date diagnostic and thereuptic
equipment -
Dr. Margaret K. Campbell, M.D.,
L.A.B.P., Specialist in diseases in in-
fants and children, will be at the
Clinic last Thursday in every month
from 3 to 6 p.m.
Dr. F. J. R. Forster, Specialisf in
diseases , of the ear, eye, nose and
throat, will be at the Clinic tine first
Tuesday in every month from 4 to 6
p.m.
Free Well -Baby Clinic will be held
on the second and last Thursday. in
every month from 1 to 2 p.m.
3687-
W. C. SPROAT, M.D., F.A.C.S.
Physician and Surgeon
Phone 90. Office John St., Seatorth.
12-88
R
eyQ,n
ItEUILID BURT a�
THIRD INSTALMENT
SYNOPSIS
Jocelyn Harlowe, raised in a
French convent, at the age of
eighteen joins hes another, Mar-
cella, • in New York., Worried
about herr safety, because `she 2s
unfamiliar with the modern world
and has developed into a beauti-
ful woman, her mother's first
wish is to get her safely married.
Attending her first ball, Jocelyn
meets Felix Kent, rich, handsome
and nineteen year older than
:herself) Encouraged by bi e r
mother, she and Felix quickly be-
come engaged. Alone in her
apartment ane night, a cripple,
Nick Sandal, enters' by the fire-
eecape, coruides in cher that he' is
'her father and that her real game
is Lynda Sandal. He gives her
Iris address, inquires about her
dooming marriage and disappears
as mysteriously as he had come.
She confides in her mother that
she doesn't want to get marr}ed
so soon, but her 'mother tells• her
it is for the best just as. Felix
comes in and takes her in his'
arms.
"Crying, loveliest?"
Jocelyn answered in -voice,
a hard
"No."
"Are yen angry about somethin?"
"Yes"
"Have I done anything to .hurt you.
dear? If so, it was quite unintention-
al. "
"You haven't done' anything. Ire
what you are."
"Jocelyn! Dp you realize what you
are saying? That's, pretty hard:"
"I know it is. I feelohar& And I
can't believe that you love me."
"But dearest."
""If You dad., if I felt that you did,
I would be happier." •
"Jocelyn," he 'began' in anger but
promptly controlled himself, assuming
a tone of authority..., "Ydu're just a
child and you are indulging yourself
in a mood. Gene on. Get ready to
go out. You need a change of scene
and some diversion- I'll take yo• -t
dawn to my office . . I have, to go
there . and to lunch somewhere
amusing afterward. A theatre, may-
be. That will give you a break, won't
it? Something new to think about-"
• "Oh, Felix, will you? I'd• love to
see your office. I've never been inside
an American office. Will you show
me everything? Will you explain ev-
erything?"
The office occupied the third floor
of a tall narrow building. Its win-
dows faced at one end the street, at
the other a narrow alleyway. Joce-
lyn's eyes, healed from tears as
quickly as a child's,. were bright with
curiosity and with excitement. The
observant clerks and stenographers
in the outer office made her flush.
In Kent's inner sanctuary-, the office
that looked, out on, the alleyway, she
was introduced to Miss Rebecca Deal,
a little ruddy sturdy woman with
bright eyeglasses and a wide mouth.
When Felix left to interview some
one -.in the outer office, she sat down
in his -evolving chair before hisgreat
neat hrndsome desk and, looking at
Miss 1)eal with all her eager eyes,
began t i question her:
"Vcu work- here with him every
day?"
Ha'' -f the trope he's off, Miss Har-
lowe, in Chicago or the Southwest.
He's interested, as of course you
know, in all these mines."
"Are they the crosses on the map
here against the wall?"
"Yes. He Las so many irons in
the file, only : alwayA say they
oughtn't to be called 'irons' but 'got -
dens' for the value of them •
though they don't show any sign of
melting. There never was a luckier
or smarter man than your finance,
Miss Harlowe."
"It seer's so queer to me." said
Jocelyn with her slow wistful smile,
"that all this side of his life just
means nothing to me. How much bet-
ter you know him than Ydo!"
Rebecca blushed and laughed.
"Oh, now, you've got no call to
say that, I'm some. You, his . best girl
I•
r
"You will think I'm a perfect idiot there, But don't worry; Felix. I'm
but. you know." 'better alone tonight. Marry will stay
"IMI like Pandora, Miss 'Deal; Jose- in. Good niter Forgive me. I was
lyn admitted• "I'd like to know how horrid." -
to ,open) it. Do you suppose he'd tellWhen, he was gone Jocelyn went to
me?" her motlher's.prie dteu and tried to
Miss Deal shrugged. Behind • the pray. But the tears of anger and
glasses' her., eyes were half pitying tears of pe'n'itence were dry at their
and- half contemptuous. very source.
• "You think I haven't much chance, In her own room, she sat down on
don't you?" asked Jocelyn shrewdly. her 'bed and thought. After a while
Mies Deal covered her confusion at she pulled out a big leather valise
the pretty fool's &uprising perspica- from her closet and rummaged there.
city, in a clicking slide of compliment She dressed herself in a pleated long-
Then
short
and cordiality. plaid skirt, a black tight jersey,
Felix entered and the girl s'lee'ved, high in the 'throat, a little
came toward him, speaking earnest- jacket and in a big old tam o'-shan-
ly. A mew Jocelyn seemed to meet ter.
him at every turn' he made. . - Before she put bilks ou her head
"Felix, can't I learn how to do these she ran her fingers back and forth
things foe you? I mean, if Miss Deal through hem sleked thick hair until it
could' teach me, I'd love to work with was the wild' unruly mop of a golli-
you, to urelerstand . wog. She -went to her mother's room
"Out to'steal Miss Becky's job al- and examined the likeness she had so
ready, are you? Bless you, darling, abhieved: a girl with a slim high -
you're a srweet child. Isn't she a- colored face, a firm rich mouth, a
sweet child, Miss Becky?" a pair of tilted gleaming eyes: 'a• girl
Miss -Becky made a dry sound which with a swagger that was made dharm-
passed for an assent. ing by its lines of race and breed -
"I would really like to know about bag.
your business, Felix.,' "Oh, Lynda Sandal," said Jocelyn,
"You shall know whatever you want "I am going to like you. Maybe you
to know, sweetheart." He winked back will be -wonderful!"
at Miss Becky restoring her good hu- Coiling a trunk rope round ,her
mor and ter sense of superiority. arm she awitched off her light and r.. .
' swung her leg across the window-
sill.
It was all bark below in the well.
There lay the entrance to the alley
dote by the ladder's foot. The city
with . its lights and towers, its horns
Of river travel and of land traffic,
called to her blood;
All the way down toward that
dark pavement with its exit to an
unknown world, she said, "I'm not
afraid'. I'm not afraid-"
By the time slie reached the pave-
ment, this was true.
"Does a Mr. Sandal live here?"
"Yes'm. "T'ree flight up."
• Jocelyn handled the Japanese boy
some money and told him to pay, and
to dismiss her driver. Then, her
heart jumping and her lips cold, she
began to mount the stairs in front of
her. The hall she left was dimly
lighted. Behind closed doors there
were subdued regular sounds of card
play: the clack and shuffle, the light
slipping noises, brief statements, the
shifting of chairs. On the second floor
people were dancing and making a
great jolly hub -bub. On the third
floor vehen the breathless n.dventurer
came nearer to it there was a sound
of low masculine eo•mmen•t and again
the clack and shuffle of cards. A door
stood open.
Jocelyin paused before she took the
last few steps. of her ascent. She
wished to reconnoiter and to com-
mand her disordered pulses and her
jerking nerves. Her eyes were on a
tav el with the threshold of the open
door. Opposite her across the width
of the comfortable shabby room Nick
Sandal crouched on a battered sofa
against the wall. He was twisted sp
painfully among some tattered cush-
ions and smoked a pipe. His bright
eyes watched a group of four men
playing cards at a table.
The faces of three of these men
were visible to Jocelyn, all in their
shirtsleeves, ,two in' profile and one
facing her. The fourth sat with his
back turned and wore a coat.
Thegame came to an end,• the man
whose back was turned to her push-
ed back his chair and rose- •
"Blast that Jack of Diamonds!" he
said and picking up a card slung him-
self in a supple and silent fashion
across the room and stuck the card-
board objectagainst the wall, using
for the purpose a piece of chewing
gum. "That diamond digger sits on
my neck like a fetish. I'll put a hole
into his blond beauty-" And stepping
bark a pace he took a knife from his
hip pocket, balanced it in his palm
and, threw it with swift and furious
Skill so that it stood quivering in the
center of the card.
Thereafter all four men returned to
their play. The knife -thrower now
faced Jocelyn. He was young with
naturally vivid features which had
been worked into a grim and iron
mask.
Then he glanced up from his cards
and saw her. He rose as though her
silent face out there had frightened
him.. She came rapidly up the last
few steps and stood before him in
the door.
"Boys, this is my daughter," he
cried out sharply.
"Go on with your game, please,"
she said. "I came to talk to my
father."
Tho men obeyed. with 'alarcity.
Jocelyn sat down beside the cripple
on his battered lounge and put her
hand uncertainly upon his free one.
(Continued Next Week)
h;
s .
Statement tement Shows.
Strong Faa!Acial
Position.
SShdw1g =sets at the highest ,point
since 1929, the Sank of Montreal's
amr:ual firnan'clal •tstatemment just issued
contains numerous features which in-
dicate a, steady expansion in opera-
tions during the past twelve months.
Not 'only does the statement show
that the Bank has maintained its tra-
rtj t4onaB y strong position but the fig-
ures reveal a year of progress in all
the main chalvnelie of the Bank's busi-
ness, with assets up by over $44,000,-
000 bringing the total to $874,255,828,
the highest in any year
ofsince
n e 1t 29.
e
The liquid poled
shown by° quickly available resources
which total $620935,119, or 77.80% of
all liabilities to the public,•
Notable is the snrlba'tantial increase
in lotane which, exclusive of call
money, amount to $227,000,000 as com-
pared with $204,000,000 a year ago.
Call loans in Canada show a slight
decrease compared with those of 1937
other
foxiur .000
$:162,000,0.00 wtihIle .;
toff: $440,000,000,'.all imcr ae
000,0.00 -
'I'be ata#aenw t '000 t the'
which has just entered lts•122nid:
has maiwtainad • Ii* Jliypi cU R9
with cluickiyiy •available s of
unwitting to $.620,0004000. 17145, Jf 8
are shows an.iacneane of more Tinnl,v.
$21,000,000 as compared with a• year
ago: la addition, to the t rnufleft
seenrbties, included under •his lewd••
ingare cask reseur,ces amounting to
$152,000,000• represented by money io
Abe Bank's vaults., on deposit• with
other banking institutions. and maters
and cheques on other banks paynbie
on demand.
The Bank's' assets', which amount.
to 8874,255,828, show an increase of
$44,000,000 as compared with 1937,
and th'e excess of assets over liabili-
ties to the public, represrenti'ng the
shareholders' equity, amounts to $76,-
916,337.
Profits Slightly Down
In the matter of profits, while the
statement shows a reduction of $10,-
,000, it is to be noted that the pay-
'those ?tg;;
�*
Total Assets! . 8;74 255,8
Cash ,I. Gs, r 152,540,08
Liquid: Assets, 04,335,141
G'ov't. , .otter
Bonds'. - 440,7 l6,820
Call Loamne out: •
side Canada' 21,493;005
Can Loans tan
Canada. .... 5,374,980
Current Loans 227,743,449
Total Deposits 763,156,945
Capital, .'sou r
•
pills, U'ndi-
v'd'od Pro.
fits land Re-'
serves, for •
Dividends •76,916,337 • 76,897197
Profits 3,3.98,390 3,408,328.;;
•
,e.
19.871
6;867',890441
717,799,1
DIR. F. J. BURROWS
Office, Main Street, over Dominion
Bank Bldg. Hours: 2 to 5 p.m. and
7 to 8 p.m., and by appointment.
Residence, Goderieh Street, two doors
west of the United Church. Phone
46.
12-86
DR. HUGH H. ROSS
Graduate of 'University of Toronto,
Faculty of Medicine, member of Col-
lege of Physicians and Surgeons of
Ontario; pass graduate course 1n
Chicago Clinical School of Chicago ;
Royal Opthalmie Hospital, London,
England; University Hospital, Lon-
don, England. Office—Back of Do-
minion Bank, Seaforth. Phone No, 5.
Night palls answered from residence,
Victoria Street, Seaforth.
12-38
DR. F. J. R. FORSTER
Eye, Ear, Nose and Throat
Graduate in Medicine, University
of Toronto.
Late assistant New York Opthal-
mei and Aural Institute, Moorefield's
Bye and Golden itais, London, Eng.' Square THos-
pitals, Commercial
al
Hotel, Seaforth, third Wednesday In
each month, from 1.30 p.m. to 4.30
pin. 53 Waterloo Street South, Strat-
ford.
"Just, you ask questions. Miss Becky
and I will answer them."
"And; both of you know quite well
that I'm ignorant even to know
what questions." She was close to
tears.
• Felix became at once serious, re-
spectful and concerned. Miss Deal,
with a twisted .mouth of irony, re-
turned to her typewriter.
In the limousine, on their way to
lunch, Felix spoke tenderly:
, "You mustn't be hurt at my teas-
ing you, Jocelyn. I do want you to
be in my confidence, but I never
thought you'd be interested in this
sort of thing."
"But this sort of thing is just part
of all I must know, Felix. I have
been so put away and shut up -
like one of these unlucky princesses
in towers:. Do you think I could take
a business 'cdurse, perhaps, after we
are married?"
"You may take any course you like,
beloved. But y1au mustn't hate your
beautiful innocence. It is just be-
cause you are so exquisitely different
that I love you."
And it was that very afternoon
when they quarrelled for the first
time seriously.
Jocelyn was playing for him. He
would 'often ask her to, for although
his interest in ;.,music and his under-
standing of it were negligible it ob-
viated the necessity for conversation.
Yet Jocelyn wanted to talk.
She played, therefore, -rebelliously
and chose, snapping off in 11.4 middle
of his favorite "piece" (the ballet
from Sylvia) that melody of her own
composition, the nursery rhyme set
to the intervals of terror.
Shesang and her face charged:
()uand le petit bos'su, ma foi!
Vient Se placer derriere mol."
"Tell me what it means," com-
manded Felix, striding toward her,
his mouth set. For there was a look
in the girl's face that wake the tyrant
in him.
"this is my secret," sae Jocelyn in
her queer light tune. "It is like the
combination of your safe that holds
your papers and your contracts and
your corresp,on,dence and your anci-
ent love -letters."
•
"1, must have my secrets. Mother
has hers. And you have yours. I've
tried to win tthemi from you. But, no,
you will keep them to yourselves. And
now you can't Beare mine out of me
by placing yourself there behind me,
ma foi! Because you are a great tall
straight man as simple as a perpen-
dicular line - . . or a wooden post."
"Stop taunting me, you little devil."
He pulled back her head and kiss-
ed her on the mouth and she, spring-
ing up, struck at him with a violence
that sent him staggering.
"Jocelyn!"
"I told you to be careful," she said.
"You have the temper ofa tigress.
How dare you fly out at me likethat?
12-•87
DENTAL
DR. J. A. McTAGGART
Graduate Royal College of Dental
Surgeons, Toronto. Office at Hensel],
Ont. Phone 106.
12-87
AUCTIONEERS
. cI
HAROLD DALE
Licensed Auctioneer
Specialist in farm and household
sales. Prices reasonable. For dates
and information, write or phone Har-
old
arold Dale. Phone 149, Seaforth, 'or
apply at The Expositor Office, 12-67
The Walker Cup match at St. An-
drew's has lneplred this story.
A bowler -haute,) spectator strayed
ons to a course diming a recent
nmlateur championship. "How Is.
Tolley doing?" be asked a member Of
th gallery.
"Tree up," was tate reply, to which.
`. ut>rtei.. west another Quilty:.. "And
llsoiryr'el tltel Other il)ok& doing?"
roil
;.t;?
"Stop taunting rue, youlittle devil," he said.
and everything! But in a manner of
speaking, yes- I'rb in his confidence.
He calls me his second safe. The first
one's over yonder."
Jocelyn looked at the great gay
shining box, sealed' against her as
closely as the real mind of its own-
er.
"What's in it, Miss Deal?" •
"His most important. papers: Con-
tracts. Corr'espond'ence. Heaven knows
what all!"
"And you know all about them?"
• "Why, no; Miss Harlowe, I can't
say I do. But sometimes 1 get ac-
cess to them. Not that I know the
cormbinetion. Mr. Kent's the only one
who knows that."
The nuns 'would shut you up on bread
and water."
"As you will, no doubt, when you
are my husband. I don't, think I want
a 'husband . . . me!" I will 'not
make you a good wife."
_"You will, hawenrer, be a delicious
. womanrto-love . - ." thought
Felix and said aloud, "I won't tease
you then, darling. I'll gb away and
leave you in peace. Engagements are
the very devil •amytbow. Are we ,
all right again?"
"1 suppose so," said Jocelyn Simp-
1y.
"Will your another be back soon?"
"No. She has gone up the river to.
see a friend lOf here in the sisterhood
"Blinks, dear fellow, isn't it about
time you repaid me, that little loan?"
"My dear boy, 41 isn't a question of
time, but of money!"
94t1 9figie44
/
RATES
15PASZ
NO HiGHER
A QUIET, WELL CONDUCTED,
CONVENIENT, MODERN 100
ROOM HOTEL -13'6 Wi7'H BATH
'WRIT$ FOR FOLDER
TAKE" A be LUXE TAXI
FROM DEPOT OR WHARF -25o
BANK OF MONTREAL
Established 1817
tai presentation, in easily understandable form,
of the Bank's
ANNUAL STATEMENT
31st October, 1938
LIABILITIES
LIABILITIES TO THE PUBLIC
Deposits •
Payable on demand and after notice.
Notes of the Bank in Circulation • •
Payable on demand.
Bills Payable . .
Time drafts issued and outstanding.
Acceptances and Letters of Credit Outstanding
Financial responsibilities undertaken on 'behalf of customers
(see off -setting amount in "Resources").
Other Liabilities to the Public -
Items which do not come under the foregoing headings.
Total Liabilities to the Public - •
LIABILITIES TO THE • SHAREHOLDERS
Capital, Surplus and Undivided Profits
and Reserves for Dividends
This amount represents the shareholders' interest in the Bank,
over which liabilities to the public take precedence.
Total Liabilities - . - -
•
RESOURCES
To meet the foregoing Liabilities the Bank has
Cash in its Vaults and Money on Deposit with
Bank of Canada •
Notes of and Cheques on Other Banks
Payable in cash on presentation.
Money on Deposit with Other Banks
Available on demand or at short notice.
Governmentand Other Bonds and Debentures -
Not exceeding market value. The greater portion consists of
gilt -edge securities which mature al early dates.
Stocks . - - . . . - .
Industrial and other stocks- Not exceeding market value.
CallLoans outside of Canada • - • -
Secured by bonds, stocks and other negotiable securities of
greater value than the loans and representing moneys' quickly
available with. no disturbing effect on conditions in Canada.
Call Loans in Canada . - • •
Payable on demand and secured by bonds and stocks of greater
-value than 'the loans.
Bankers' Acceptances - •
Prime drafts accepted by other banks.
TOTAL OF OUICKLY AVAILABLE RESOURCES
(equal to 77.80% of all Liabilities to the Public)
Loans to Provincial and Municipal Governments
including School Districts
Other Loans - . - •
To manufacturers; farmerr, merchants and others, on conditions
consistent with sound banking.
Bank Premises - •
Two properties only are carried in the names of holding
companies; the stork and bonds of there companies are en-
tirely owned by the Bank and appear on the books at $1.00
in each case- All other of the Bank's pay under this beading.
mises, the value of
Which largely exceeds $13,900,000, appe
Real Estate, and Mortgages on Real Estate Sold by the
Bank .
Acquired in' the course of the Bank's business and in process
of being realized upon.
Customers' Liability under Acceptances and
Letters of Credit . • - -
Reprerents liabilities of customer( on account of Letters of
Credit issued and Drafts accepted by the Bank for their
account.
Other Assets not included in the Foregoing
Making Total Assets of
to meet payment of Liabilities to the Public of
leaving an excess of Assets over Liabilities to the Public of
$763,156,945.74
22,542,921.56
-149,848.31 4'-
8,377,574.84
3,112,201.10
$797,339,491.49
76,916,337.39
. $874,255,828.88
$ 88,225,623.35
30,371,395.13
33,943,063.62
440,736,820.55
159,651.75
21,493,005.38
5,374,980.29
30,579.85
$628,335,119-92
37,015,594.19
190,687,855.52
13,900,000.00
1,096,707.73
8,377,574.84
2,842,976.68
$874,255,828.88
797,339,491.49
_F $ 76,916,337.39
PROFIT and LOSS ACCOUNT
Profits for the year ended 31st October, 1938, after making appropriations
to Contingent Reserve Fund, out of which Fund full provision for Bad
and Doubtful Debts bas been made, and after deducting Dominion and
Provincial Government Taxes amounting to $1,152,618.49? 880,000.00
Dividends paid or payable to Shareholders ,880,000.00
Appropriation for Bank Premises
Balance of Profit and Loss Account, 30th October, 1937 . • •
Balance of Profit and Loss carried forward
CHARLES )3. GORDON,Prendent
$3,398,390.99
3, 380,000.00
$ 18, 390.99
1,164,863.53
$1,183,254.52
JACKSON DODDS,
G. W. SPINNEY,
Joint General Managers
* * *
I{ The strength of a bank is determined by its history, iti /iol'ic
its management and the extent of its resources. Icor 121., yoars „Mt
•
Bank of Montreal bas been inthe forefront of Cterutdsan; finarii0i,
ry
a.
+b:
fi
•s
t,
0
�ft
2f
o-:
ss