IMAGE EVALUATION 
 TEST TARGET (MT-3) 
 
 /. 
 
 ^/ 
 
 
 
 1.0 If 
 
 I.I 
 
 1.25 
 
 ■^ i^ IIIII2.2 
 If 1^ II 2.0 
 
 1.8 
 
 U IIIIM.6 
 
 Photographic 
 Sciences 
 
 UijJUiciuun 
 
 <v 
 
 4: 
 
 ^- 
 
 \ 
 
 \\ 
 
 % 
 
 
 
 ^>. ' ^^ 
 
 ^ 
 
 V 
 
 <^J$> 
 
 ''9.*- 
 
 23 WEST MAIN STREET 
 
 WEBSTER, N.Y. 14580 
 
 (716) 872-4503 
 
CIHM/ICMH 
 
 Microfiche 
 
 Series. 
 
 CIHM/ICMH 
 Collection de 
 microfiches. 
 
 Canadian Institute for Historical Microreproductions /Institui Canadian de microieproductions historiques 
 
 X^ 
 
Technical and Bibliographic Notet/Notas techniques et bibliographiques 
 
 The Instituia has attempted to obtain the best 
 original copy available for filming. Features of thi* 
 copy which may be bibliographicaliy unique, 
 which may alter any of the imagws in the 
 reproduction, or which may significantly change 
 the usual method of filming, are checked below. 
 
 D 
 D 
 D 
 
 Coloured covers/ 
 Co'jverture de coulaur 
 
 Cw-<- damaged/ 
 CouvTtrture endommagie 
 
 wovers restored and/or laminated/ 
 Couverture restaurde et/ou pellicul^e 
 
 Cover title missing/ 
 
 Le titre de couverture manque 
 
 L'Institut a microfilm^ te mei'leur exemplaire 
 qu'il iui a iti possible de se procurer. Les details 
 de cet exemplaire qui sont peut-dtre 'jniques du 
 point de vue bibliographique, qui peuvent modifier 
 une image reproduite, ou qui peuvent exiger uno 
 modification dans la m^thode normale do filmage 
 sent indiquis ci-dessous. 
 
 □ Coloured pages/ 
 Pages de couleur 
 
 □ Pages damaged/ 
 Pages endommagdes 
 
 □ Pages restored and/or laminated/ 
 Pages restaur^es at/ou pelliculdes 
 
 rr^Pages discoloured, stained or foxed/ 
 I ! Pages ddcolordes, tachet^es ou piquees 
 
 n 
 
 Coloured maps/ 
 
 Cartes giographiques en couleur 
 
 □Pages detached/ 
 Pages ddtachees 
 
 n 
 
 n 
 
 D 
 
 Coloured ink (i.e. other than blue or black)/ 
 Encre de couleur (i.e. autre que bleue ou noire) 
 
 Coioured plates and/or illustrations/ 
 Planches et/ou illustrations en couleur 
 
 Bound with other material/ 
 Relii avec d'autres documents 
 
 Tight binding may cause shadows or distortion 
 along interior margin/ 
 
 La re liure serrde peut causer de I'ombre ou de la 
 distorsion le long de la marge int^rieure 
 
 Blank leaves added during restoration may 
 appear within the text. Whenever possible, these 
 have been omitted from filming/ 
 II se peut que certaines pages blanches ajouties 
 lors d'une restauration apparaissent dans le texte, 
 mais, lorsque cela dtait possible, ces pages n'ont 
 pas ixi film^es. 
 
 Additional comments:/ 
 Commentaires supplimentaires; 
 
 [~~KlShowthrough/ 
 b^ Transparence 
 
 □ Quality of print varies/ 
 Qualiti inigale de ('impression 
 
 □ Includes supplementary ittaterial/ 
 Comprend du materiel supplementaire 
 
 nn Only edition available/ 
 
 D 
 
 This item is filmed at the reduction ratio checked below/ 
 
 Ce document est filmd au taux de reduction indiqu^ ci-dessous. 
 
 10X 14X 18X Tax 
 
 Seule Edition disponible 
 
 Pages wholly or partially obscured by errata 
 slips, tissues, efc, have been refilmed to 
 ensure the best possible image/ 
 Les pages totalement ou partiellement 
 obscurcies par un feuillet d'errata. une pelure, 
 etc.. ont M filmies d nouveau de facon A 
 obtenir la meilleure image possible. 
 
 26X 
 
 30X 
 
 y 
 
 12X 
 
 16X 
 
 20X 
 
 24X 
 
 28X 
 
 32X 
 
#■ 
 
 Is 
 
 u 
 
 ifier 
 
 ige 
 
 ita 
 
 lure, 
 
 : 
 
 2X 
 
 The copy filmed here has been reproduced thanks 
 to the generosity of: 
 
 Metropolitan Toronto Library 
 Canadisn History Department 
 
 The images appearing here are the best quality 
 possible considering the condition and legibility 
 of the original copy and in kenping with the 
 filming contract specifications. 
 
 Original copies in printed paper covers are filmed 
 beginning with the front cover and ending on 
 the last page with a printed or illustrated impres- 
 sion, or the back cover when appropriate. All 
 other original copies are filmed beginning on the 
 first page with a printed cr illustrated impres- 
 sion, and ending on the last page with s printed 
 or illustrated impression. 
 
 The last recorded frame on each microfiche 
 shall contain the symbol ^*- (meaning "CON- 
 TINUED"), or the symbol V (meaning "END"), 
 whichever applies. 
 
 Maps, plates, charts, etc., may be filmed at 
 different reduction ratios. Those too large to be 
 entirely included in one exposure are filmed 
 beginning in the upper left hand corner, left to 
 right and top to bottom, as many frames as 
 required. The following diagrams illustrate the 
 method: 
 
 L'exemplaire film6 fut reproduit grdce ii la 
 
 g4n6ro8it6 de: 
 
 Metropolitan Toronto Library 
 Canadian History Department 
 
 Les images suivantes ont 6ti reproduites avec le 
 plus grand soin, compte tenu de la condition et 
 de la netteti de l'exemplaire film6, et en 
 conformit6 avec ies conditions du contrat de 
 filmage. 
 
 Les exemplaires originaux dont la couverture en 
 papier est imprimde sont film6s en commenpant 
 par le premier plat et en terminant soit par la 
 dernidre page qui comporte une empreinte 
 d'impression ou d'illustration, soit par le second 
 plat, s««lon le cas. Tous les autres exemplaires 
 originaux sont filmds en commenpf^nt par la 
 premiere page qui comporte une empreinte 
 d'impression ou d'illustration et en terminant par 
 la dernidre page qui comporte une telle 
 empreinte. 
 
 Un des symboies suivants apparaitra sur la 
 dernidre image de cheque microfiche, selon le 
 cas: le symbole -^^ signifie "A SUIVRE", le 
 symbols V signifie "FIN". 
 
 Les cartes, planches, tr >leaux, etc., peuvent 6tre 
 filmds d des taux de reduction diffdcents. 
 Lorsque la document est trop grand pour dtre 
 reproduit en un seul clichd, il est filmd d partir 
 de Tangle supdrieur y:>'jcr.e, de gauche it droite, 
 et de haut en bas, en f enant le nombre 
 d'images n6cessaire diagrammes suivants 
 
 illustrent la mdthod 
 
J 
 
 TORC 
 
 PC 
 
 ■ 
 
 I 
 

 i 
 
 m 
 
 ./-i^ 
 
 i 
 
 OF CANADA. 
 
 •V"^- .--Vv -w -•-•■^■-^S.'S.-^j'v,.'' 
 
 ACT OF INCORrOKATTON, ^ 
 
 BYE-LAWS, .-s-A^."! ^ 
 
 PRINTED BY OWLER & 8TEVEN80N, 
 
 NO. 42 ST. FBANCOIS-XAVlJuK STREET. 
 1856. 
 
■»H - 
 
 
pip 
 
 A 
 
 iiiMil^<a p |ii i i w! i ff;' ji.r.?t.,.'p " r 
 
 F7j l{ 
 
 •orietij 
 
 OF CANADA. 
 
 .■■-<.'- v-.--«/->/»v" •rfV'-V^-V^'V.'^A#v"««''W« 
 
 llCT OF INCOKPORATION, 
 
 • * 
 
 BYE-LAWS, 
 
 littles anir ^lepla&ns* 
 
 UTontnal : 
 
 PRINTED BY OWLER <fe STEVENSON, 
 
 NO. 42 ST. FRANCOIS-XAVIER STREET. 
 
 1856. 
 
TO» 
 
 P/?( 
 
 i 
 1^ 
 
 » 
 
18 Tie., CAP. 64. 
 
 B AOT TO IIOBPORATE THE MEMBEBS 
 
 3 
 
 OF THE 
 
 IITISH AMERICAN FRIENDLY SOCIETY 
 
 HERE AS an Association i.alli been formed in this Pro- 
 vince, under the name of " The British American Friendly 
 poeiety," for the purpose of recuring by voluntary subscription or 
 fjeaOtribution o. the members thereof, funds for the mutual relief 
 maintenance of the said members during old age, sickness, and 
 rmily, or any other ratural state or contingency whereof the 
 irrence is susceptible of calculation by way of average, and 
 for a provision at death ; and whereas such an association is 
 |ly to be attended with very beneficial results, by promoting 
 happiness of individuals, and at the same time diminishing the 
 pic burdens, and by the contribution of the savings of many 
 gons to one common fiuid, the most effectual provisions may 
 |made for the casuaUies. affecting all the contributors, and 
 jreas the benefils derivable from such a society to the mem- 
 thereof, would not only be secured by the incorporation of 
 I members thereof, but be greatly enhanced, and whereas the 
 ' Association have prayed to be so incorporated, and it is ex- 
 tent to grant the prayer of the said petitioners, subject to the 
 Visions and enactments hereinafter set forth and made in their 
 ilf : Be it therefore enacted by the Queen's Most Excellent 
 esty, by and with the advice and consent of the Legislative 
 jncil and of the Legislative Assembly of the Province of Ca- 
 I, constituted and assembled by virtue of and unde? the au- 
 ^ty of an Act passed in the Parliament of the United Kingdom 
 
 I 
 
t i 
 
 TORC 
 
 I 
 
 m 
 
 ^\ 
 
 k 
 
 fii 
 
 of Great Brilaiiraud Ireland, ajicl iiitilult'ti, ^iii jJd lo le-unik 
 Provinces of Upper and Lower Canada, and for the Uovcrnm 
 of Camulu, and it is hereby ewacfed by IheuUllioa!;* of :hc *aij/ 
 as follows : || 
 
 I. Wolfred Nelson, M.D., the Honorable Charles Wil3( 
 George Brown, Jannes Harvey Phillips, J. G. Bibaiul, M.^ 
 Ovide Leblanc, Aaron Locock Gravely, Louis Provost, John Gil. 
 mour, Robert Aspinall, James Garven, Eugene Lamoureux, 
 Thos. R. Browne, Louis Papin, John Boyd, Robert Weir, Charles 
 Garth, Moses Beauchannp, James Knapp, Daniel Lonpres, 
 Joseph White, J. B, Tison, Geo. Swinburn, Vital Totu, A. R 
 Powell, John P. MacKay, A. Dufresne, with all such other per- 
 sons as now are or may be hereafter associated with theMi for the 
 purposes hereinbefore mentioned, and their succeosors lor evoi, 
 shall be one body politic and corporate, in deed and in name, by 
 the name and style of the British American Friendly Society, and 
 shall by that name have perpetual succession and a common seal, 
 and shall have power from time to time to alter, chan<<eor renew 
 such common seal at pleasure, and shall by the same name, from 
 time to time, and at ail times hereafter be able and capable to 
 have, receive, purchase, acquire, hold, possess and enjoy, to them 
 and their successors aforesaid, to and for the uses of the said cor- 
 poration, any messuages, lands, tenements and hereditaments, of 
 whatever nature, quality or kind, situate, lying and being within 
 this Province, to an amount not exceeding the annual value of five 
 hundred pounds currency, and also to tnke, receive, purchase, 
 acquire, have, hold and possess, to and for the same uses and pur- 
 poses, any goods and chattels, gifts or benefactions whatsoever, 
 and shall and may by the same name be able and capable to sue 
 in law and be sued, implead and be impleaded, answer and be 
 answered unto in all Courts of Law and places whatsoever, inal! 
 and singular actions, causes, pleas, suits, matters and demand* 
 ■whatsoever, -'n as large, ample and beneficial a manner and form 
 as any other body politic or corporate, or any person able ami 
 capable in law may or can sue, implead or answer, or be sued, 
 impleaded or answered in any manner whatsoever. 
 
 H. A meeting of the Members of the sa'd Society shall he held 
 the first Monday in October in every year, for the election of noi 
 
 
.Mi 
 
 I, »i" JjI<( lo iC'Unilc 
 nd for the Uovemm 
 
 rable Cliarlos Wilsc 
 , J. G. Bibaiul, M.., 
 .ouisPr6vost, John Gil. 
 > Eugene Lamoureux, 
 I, Robert Weir, Charles 
 app, Daniel Lonprcs, 
 lirn, Vital Tetu, A. H. 
 /ith all such other pet- 
 iated with the'ii fertile 
 lir succeosors lor evpi, 
 I deed and in name, by 
 n Friendly Society, and 
 ion and a common seal, 
 alter, chan<<e or renew 
 y the same name, from 
 be able and capable h 
 sess and enjoy, to them 
 he uses of the said cor- 
 and hereditaments, of 
 lymg and being within 
 Lhe annual value of five 
 ike, receive, purchase, 
 the same uses and pur- 
 nefaclions whatsoever, 
 blu and capable to sue 
 leaded, answer and bf 
 laces whatsoever, in all 
 matters and demands 
 ial a manner and lorra 
 )r any person able am! 
 3r answer, or be sued, 
 ilsoever. 
 
 i Society shall he lieM 
 for the election of no; 
 
 L 
 
 5 
 
 .» . a„ „v. „or m„ro than .even l.„ec.o„, »„d ,ev.„ Me..,be„ 
 .h.l (orm » .,„or„„,,, ,„<.h meeting, a.uUhouW i, ,o l,.ppe„,h 
 
 to^ial,o„sl,all no, .hereby be dissolved, but a„ election may b„ 
 
 made on any convenient day withu, thiny days thereafter to b« 
 
 <e,,gnated l,y the Secretary; after ,nch election of Dire or ly 
 
 .Ka I ,n„coe<l to elect from thei, own body a Premlen a,"d . ^^ 
 
 -etaty and General Manager, and appoint such ,„bordi"a,e Of- 
 
 /.cer, a. may „, the opinion of the Director, be deemed necessary. 
 
 '"!< defme Ihe.r i^wers and prescribe their duties; the Director, 
 
 s a also idl all vacancies occurring by death, resignation „ 
 
 "1 herw.se, and shall be eligible Co,- re-election indefinitely. 
 
 ma'l'-'e' and'?," '".'"""'''' ''"'' ""^ "''''""■' "^ ^'^ Association .. 
 make, and from ;,me to lime to amend or repeal suck By-laws 
 
 "ml Regulations as may be deemed necessary to elTeetually carry 
 on. the obiects contemplated by the Society and clearly to def me 
 he r,gh,s ami privileges of Members, and to ra.se from ti.ne ,, 
 <.me,bys„bscri,„ions„f the several Members, or by v„ „,arv 
 cor,.. u,,ons or donat.ons, a Capital Stock or Fund f^r . et ! 
 ual rebof and ma.n.enance of all and every the Members theieof 
 be.r chrklre,,, relatives or ..om.nees, in sickness, old age and m 
 f„™.ly, w,dowhoo<l or any Cher natu.al state ^r coni,,™, v 
 whereo. the occurrence is susceptible of calculation bTvaTo; 
 average, and for making a p.ovision at the death o/any me,nber 
 to any amount not exceeaing one thousand pounds currency. 
 
 J V. In ease any Member decease or become disabled, he ihall 
 
 snail be ent.tled to any sum agreeably with the n. es of sa.d 
 Corporatron, not exceeding two thousand five hundred Int 
 currency „ shall be lawful for the Directors of sa.d Corpora, o' 
 to pay the same at any time after the decease of such MeLhr 
 
 «r;:?::idt!i^;'"T "''-'' ^-^"'^ ■• """ w-e-evef :: d : 
 
 rectors of sa.d Society at any time after the decease of any Mem- 
 t* hal have paid and divided any sum of money to nexuTkTn 
 
 tut ZT Tl!' "' "■"""«'' ^"y Pe«on o p son 'w 
 M at the fme of such payment appear ,o the DiLtors 1^^° 
 
 // 
 
 I 
 
 -'■■■t^SSj! 
 
r 
 
 '<i>^' * w» B i < < w iW)wwMWM"»iMawwiyi*^ 
 
 fr 
 
 « 
 
 legally entitled to the Rtnount due any dece^.sed* Member, the 
 paynnenl of any such stun shall be valid aud eHectuai. 
 
 V. All the rules lor the proper management oisaid bociety 
 •hali be entered in a book to be kept by an Officer of said So- 
 ciety, Khich booW shall be op ^ at all seasonable tinnes lor the 
 Inspection o/ Members and nil rules from time to time made and 
 in Ibrce for the management of said Society, shall be binding on 
 the several Members and Officers of the taid Society, and the 
 8«iverat contributors thereto ariu their repiesenlatives, all of whom 
 shall be deemed to have taken full notice thereof by such entry 
 and contijbution aforesaid ; the entry of sucii rules in such book 
 aforesaid, or a true copy thereof, certified by the President and 
 Secretary, shall be received jkS prima facie evidence of such rules 
 respectively, in fill cases. 
 
 VI. The Secretary of the Society shall prepare or cause to be 
 prepared a yearly general statementof the whole number of Mem- 
 bers, their ages, number of deaths, amount of sickness experienced, 
 together with a full statement of the funds;, and of the ufTecti oi 
 or belonging to the said Society, with an account of all and every 
 the various sums of money received and expended by or on ac- 
 count of the said Society, duly attested, and every member shall 
 be entitled to receive a copy of such periodical statement; and a 
 copy of such periodical statement shall be annually furnished to 
 the Legislature, v.'lhin the first fift n days of each Session there- 
 of; and such statement shall also be furnished to the Governor in 
 Council at such other times as the said Society may be required 
 so to i\o, 
 
 VI!. All surplus funds on hand at the expiration of each y<!ar 
 
 after paying all claims lor benefits and expenses of management, 
 shall be set aside as a reserve fund, until such surplus amounts to 
 twenty thousand pounds, from which lime the subsequent annual 
 surplus shall be divided among the Members in proportion to 
 their annual deposits. 
 
 VIII. The said Society shall not be dissolved so long as the 
 
 intents or purposes declared, or any of them remain, to be carried 
 
 nto eflfect, without obtaining the votes or consent of three fourths 
 
 TS TS3r7n"''PM«»^r— -1 
 
Ilj 
 
 I 
 
 > 
 
 ,9ed'Membfr, the 
 fectual. 
 
 nt olcaid bodety 
 )fficer of said So- 
 lable times loi the 
 to time made and 
 hall be binding on 
 I Society, and the 
 lives, all of whom 
 eof by such entry 
 :ules ill such book 
 the President and 
 ence of such rules 
 
 ire or cause to be 
 8 number of Mem- 
 :ness experienced, 
 d of the tisflfecti oi 
 it of aM and every 
 [ided by or on zc' 
 fry member shall 
 statement; and a 
 ually furnished to 
 avh Session there- 
 o the Governor in 
 ' may be required 
 
 It ion of each yaar 
 
 s of manf^gement, 
 
 urplus amounts to 
 
 ubsequent annual 
 
 in proportion to 
 
 >u so long as the 
 lain, to be carried 
 nt of three fourths 
 
 w 
 
 in value of ihe then existing Members, to be ascertained m the 
 manner hereinafter speci/ie'! and for the purpose of ascertaining 
 the votes of such three /ourtlm in value, every Member sha I be 
 entitled to one vote, and an additional vote for every five years 
 ihat )u may have been a member, and in cast of dissolution the 
 Intendc I appropriation or division of 'he funds or other properly 
 of the saH Society, shall be fairly and distinctly stated in the pro- 
 posed plan of dissolution, prior to such consent being given ; and 
 the division or dist/ibution of toe stoclc or funds, or any' part 
 thereof; shull be in strict accord^ince with the general intents and 
 purjwses of the said Society, 
 
 IX. This Act shall be held to bo a Pubhc AcU 
 
 'Vmr^irmi'HtK—- 
 
RiWO 
 
^1^ 
 
 « 
 
 BVe-UWS, ROW, \M REDlim 
 
 OF THK 
 
 BRITISH AMERICAN FRIENDLY SOCIETY 
 
 •-- v-^ ^ ^..' , -w 
 
 JEALTH DEPARTMEIT^ 
 
 Wp!EREAS, certain individuals having formed an 
 association, and subscribed for shares therein, for 
 the purposes thereof, under their articles ot agree- 
 ment therefor ; 
 
 And whereas it is expedient to formally amalga- 
 mate and confirm, in all particulars, all prior pro- 
 ceedings thereof, and for the further purpose of 
 placing the society in a position to effectually carry 
 out its proposed objects^ to facilitate its operations, 
 and clearly to deline the rights and privileges of 
 Members, Shareholders and others. 
 
 We, the Directors of said Society, by virtue of the 
 powers conferred by the 3rd Section of the Act, J 8 
 Vict., Cap. 64, intituled, " An Act to Incorporate the 
 Members of the British American Friendly So- 
 ciety," do enact the following Bye-Laws, Rules, 
 and Pwegulations, to wit : — 
 
 ARTICLE r. 
 
 All such Policies as are now outstanding, shall 
 remain unaffected by the changes made in the rates 
 
 r 
 
y^WMt P^ HM Wtwr WiHiiM ll'fWf ia M 
 
 "<|t<ilWi 'HI IBIWWIH*' 
 
 MM^*! 
 
 ,f 
 
 10 
 
 of Annual Premiums ; but all subsequent Health 
 Assurance Risks shall be taken at the new stan- 
 daid equitable rates corresponding with the respec- 
 tive ages, viz. : — 
 
 ANNUAL RATES, 
 To insure a Weeldy Benefit of One Found* 
 
 Age. 
 
 One\ 
 
 ''eat. 
 
 
 1 Five Years. 
 
 jSeven Years 
 
 For Life. 
 
 Age. 
 
 20 
 
 1 
 
 ! 1 2 
 
 6 
 
 1 5 
 
 
 
 1 7 
 
 6 
 
 20 
 
 21 
 
 I 
 
 6 
 
 1 ^ ^ 
 
 
 
 ; 1 5 
 
 6 
 
 1 8 
 
 
 
 21 
 
 22 
 
 1 1 
 
 
 
 1 3 
 
 6 
 
 1 6 
 
 
 
 1 8 
 
 6 
 
 22 
 
 23 
 
 I 1 
 
 6 
 
 ' 1 4 
 
 
 
 1 6 
 
 6 
 
 1 9 
 
 
 
 23 
 
 24 
 
 I 2 
 
 
 
 1 4 
 
 6 
 
 ; 1 7 
 
 
 
 1 9 
 
 6 
 
 24 
 
 25 
 
 1 2 
 
 6 
 
 : 1 5 
 
 
 
 1 7 
 
 6 
 
 1 lOO 
 
 25 
 
 26 
 
 1 3 
 
 
 
 I 
 
 6 
 
 1 8 
 
 
 
 1 11 
 
 
 
 26 
 
 27 
 
 1 3 
 
 6 
 
 : 1 6 
 
 
 
 ' 1 8 
 
 6 
 
 1 12 
 
 
 
 27 
 
 28 
 
 1 4 
 
 
 
 1 1 « 
 
 6 
 
 1 1 « 
 
 
 
 1 13 
 
 
 
 28 
 
 29 
 
 1 4 
 
 6 
 
 1 1 7 
 
 
 
 i ^ •* 
 
 6 
 
 1 14 
 
 
 
 29 
 
 30 
 
 1 5 
 
 
 
 1 7 
 
 6 
 
 ! 1 lO O 
 
 1 15 
 
 
 
 30 
 
 31 
 
 1 5 
 
 6 
 
 1 1 8 
 
 
 
 i 1 10 
 
 6 
 
 1 16 
 
 6 
 
 31 
 
 32 
 
 1 6 
 
 
 
 ! 1 8 
 
 H 
 
 1 1 u 
 
 
 
 1 18 
 
 
 
 32 
 
 33 
 
 I 6 
 
 <j 
 
 I 9 
 
 
 
 ! 1 11 
 
 6 
 
 1 19 
 
 6 
 
 33 
 
 34 
 
 1 7 
 
 
 
 I 9 
 
 6 
 
 ! 1 12 
 
 
 
 2 1 
 
 
 
 34 
 
 35 
 
 I 7 
 
 6 
 
 1 1 lO O 
 
 1 1 12 
 
 6 
 
 2 2 
 
 6 
 
 35 
 
 36 
 
 1 8 
 
 
 
 1 10 
 
 6 
 
 I 13 
 
 
 
 2 4 
 
 
 
 36 
 
 37 ( 
 
 1 8 
 
 6 
 
 I 11 
 
 
 
 1 13 
 
 6 
 
 2 5 
 
 6 
 
 37 
 
 38 
 
 1 9 
 
 
 
 I 11 
 
 6 
 
 1 14 
 
 
 
 2 7 
 
 
 
 38 
 
 39 ; 
 
 1 9 
 
 () 
 
 1 12 
 
 
 
 1 14 
 
 6 
 
 2 8 
 
 6 
 
 39 
 
 40 
 
 no o 
 
 I 12 
 
 6 
 
 1 1 15 
 
 
 
 2 10 
 
 
 
 40 
 
 41 ; 
 
 1 11 
 
 
 
 1 13 
 
 6 
 
 1 16 
 
 
 
 2 12 
 
 
 
 41 
 
 42 
 
 1 12 
 
 
 
 I 14 
 
 6 
 
 1 17 
 
 
 
 2 14 
 
 ( 
 
 42 
 
 43 
 
 1 13 
 
 
 
 I 15 
 
 6 
 
 I 18 
 
 
 
 2 16 
 
 
 
 43 
 
 44 
 
 I 14 
 
 
 
 1 16 
 
 6 
 
 I 19 
 
 
 
 2 18 
 
 
 
 44 
 
 45 
 
 1 16 
 
 
 
 I 17 
 
 6 
 
 2 
 
 
 
 3 
 
 
 
 46 
 
 46 
 
 1 16 
 
 
 
 1 18 
 
 6 
 
 2 I 
 
 
 
 3 2 
 
 
 
 46 
 
 47 i 
 
 I 17 
 
 
 
 1 19 
 
 6 
 
 2 2 
 
 
 
 3 4 
 
 
 
 47 
 
 48 , 
 
 1 18 
 
 . 
 
 2 
 
 6 
 
 2 3 
 
 
 
 3 6 
 
 
 
 48 
 
 49 ' 
 
 1 19 
 
 
 
 2 J 
 
 6 
 
 2 4 
 
 
 
 3 8 
 
 
 
 40 
 
 50 i 
 
 2 
 
 i 
 
 2 2 
 
 6 
 
 2 5 
 
 
 
 3 10 
 
 
 
 50 
 
 Other amounts, not exceeding £2, nor less than 
 10s. per week, may be assured in proportion. The 
 entrance lee shall be 10s. currency, to be paid at the 
 
I 
 
 IriT-'- 
 
 11 
 
 lent Health 
 
 s new stan- 
 
 the respec- 
 
 Found, 
 
 >r Life. 
 
 Age. 
 
 7 6 
 
 20 
 
 8 
 
 21 
 
 8 6 
 
 22 
 
 9 
 
 23 
 
 9 6 
 
 24 
 
 LO O 
 
 25 
 
 11 
 
 26 
 
 12 
 
 27 
 
 13 
 
 28 
 
 14 
 
 29 
 
 15 
 
 30 
 
 [6 6 
 
 31 
 
 8 
 
 32 
 
 9 6 
 
 33 
 
 1 
 
 34 
 
 2 6 
 
 35 
 
 4 
 
 36 
 
 5 6 
 
 37 
 
 7 
 
 38 
 
 8 6 
 
 39 
 
 
 
 40 
 
 2 
 
 41 
 
 4 
 
 42 
 
 6 
 
 43 
 
 8 
 
 44 
 
 
 
 46 
 
 2 
 
 46 
 
 4 
 
 47 
 
 6 
 
 48 
 
 8 
 
 40 
 
 
 
 50 
 
 f l*;ss than 
 tion. The 
 paid at the 
 
 time of making application. The first Annual Pre- 
 mium shall be paid within 30 days from date of 
 application. 
 
 ARTICLE II. 
 
 The President shall preside at the Annual and 
 Special Meetings of the Society, preserve order 
 therein, and consult with the Board from time to 
 time respecting the management of the Society 
 generally, and have the general supervision of its 
 affairs. 
 
 ARTICLE III. 
 
 The duties of the Vice-President shall be to fulfil 
 the duties of the President in his absence. 
 
 ARTICLE IV. 
 
 The duties of the General Manager shall be to 
 cause Books of Accounts, Register of Shareholders, 
 Minute Books, &c. &c., to be kept ; to see that all 
 Policies of Assurance, or other Documents requiring 
 his signature, are properly executed ; and the Cor- 
 porate Seal of the Society affixed to all documents 
 requiring the sa^ie ; to adjust and liquidate all pro- 
 perly substantiated demands against the Society, 
 incurred for general purposes; superintend the Cor- 
 respondence ; establish Branch Offices and Agen- 
 cies, and, when deemed expedient, to organize 
 Local Boards and Committees, and superintend and 
 approve all their acts ; appoint all Agents and sub- 
 ordinates ; define their powers : prescribe their du- 
 ties; annul the same when deemed expedient; and 
 to furnish statements of the affiiirs of tht Society at 
 meetings of Directors and Members. 
 
 
( 
 
 TOE 
 
 BR 
 
 12 
 
 ARTICLE V. 
 
 For duties of Secretyry, vide Act of Incorporation, 
 ri8 Vic, Cap. 64-, Sect, vi.) 
 
 ARTICLE VI. 
 
 There shall be aiiinially appointed three Auditors, 
 whose duty it shall he from time to time to examine 
 the Accounts of the Society, vuid to deliver a report 
 containing a statement of the Accounts of the pre- 
 ceding year, with th<3ir observations thereon. 
 
 ARTICLE VII. 
 
 The duty of the Kxamining Physician, and all 
 Medical Referees, shall be to ascertain and certify 
 in writing as to the stole of health of all i)ersons 
 applying for Membership, whenever required so 
 to do. 
 
 ARTICLK Via. 
 
 A Treasurer of the Societ'*' shall be named and 
 appointed by a Resolution of the Board of Directors, 
 at any of their Regular Meetings, whose duty it 
 shall be to receive all the moneys due and accruing 
 to the Society from any source of revenue what- 
 ever ; and from all Oflicers, Agents, and others, in- 
 debted or accountable to the Society at any tinie : 
 and he shall immediately ileposit the same with the 
 Society's Bankers, in the name of the Society ; and 
 shall be held responsible for all such funds, and also 
 for the property of the Society. The Treasurer 
 shall keep regular Books of Account, and submit a 
 statement of the Financial affiiirs ot the Society at 
 each and every Regular Meeting of the Directors* 
 
 I . Mia'ai— 'n [hjji riBTii' a^ 
 
 'Wfilil 
 
t • 
 
 jorporationj 
 
 !e Auditors, 
 to examine 
 '■er a report 
 of the pre- 
 eoii. 
 
 It), and all 
 
 ind certify 
 all persons 
 eqiiired so 
 
 iuuned and 
 f Directors, 
 )se diitv it 
 id lice ruing 
 3iiiie what- 
 
 others, sii- 
 
 atiy time : 
 ne with the 
 ciety ; and 
 ds, and also 
 
 Treasurer 
 d submit a 
 
 Society at 
 Directors* 
 
 13 
 
 ARTICLE IX. 
 
 Every person appointed the Treasurer of the Bri- 
 tish American Friendly Society of Canada, before 
 acting as such, shall iurDi.sh one or two sureties, 
 whose name or names shall be a{)proved by a rebo- 
 lutiou of the Board of Directors, before he or they 
 shall be admitted as such. Such sureties shall be 
 jointly and severally bound together with the Trea- 
 surer, and their obligation shall extend to the pay- 
 ment of all sums of money for which the Treasurer 
 may at any time be accountable to tlie Society, in- 
 cluding principal, interest, and costs, as well as pe- 
 nalties and damages, to which he may become 
 liable iu the exercise of his office. Every such se- 
 curity may be given by a Bond, executed before 
 Notaries, or before a Notary and two witnesses, and 
 accepted by the Directors. The Treasurer shall 
 deliver a copy of such Bond to tlie Board of Direc- 
 tors, who shall be the custodiers thereof, and a copy 
 thereof shall be euregistered in the llegistry Office 
 for the County of Montreal. 
 
 ARTICLE X. 
 
 The funds of the Society shall be deposited iv the 
 " Banque du Peuple," or such other Bank as may 
 be deemed advisable ; and whenever the funds of 
 the Society shall have accumulated to an amount 
 tnore than may be deemed necessary for immediate 
 use, they may be invested in Real Estate, Interest 
 paying Public Stocks, or otherwise, as may appear 
 most secure and advantageous. Funds thus loaned, 
 deposited or invested, shall be in the name of the 
 
 
1 
 
 
 111'! 
 
 ■ 'ii 
 
 TOR 
 
 P/^ 
 
 14 
 
 Society, and shall not be drawn except by the 
 cheque of three Directors, countersigned by the 
 Treasurer. 
 
 ARTICLE XI. 
 A majority of the Board of Directors shall consti- 
 tute a quorum, for the transaction of business at any 
 Regular Meeting; and in case of equality of votes, 
 the Chairman to have the casting vote. 
 
 ARTICLE XII. 
 
 Members of the Health Department shall be al- 
 lowed personally, or by proxy, to vote only at the 
 Annual Meetings of the Society, and only upon 
 questions connected with the business of the Health 
 Department, 
 
 ARTICLE XIII. 
 
 All persons desirous of effecting membership, shall 
 give in their proposals according to the form pro- 
 vided by the Society, and shall truly answer all in- 
 quiries therein contained, and subscribe the same 
 with a declaration as to the truth of their answers, 
 and a consent to be governed by all the Bye-Laws, 
 Rules, and Regulations of the Society. The Policy 
 shall be based upon the said Proposal, and the agree- 
 ment therein shall be binding upon all parties inte- 
 rested ; and any untrre averment contained in the 
 proposal shall render the policy void ; and the same 
 shall be forthwith cancelled on the books of the So- 
 ciety. The Entrance Fee must be paid at the time 
 the application is made, and the first Annual Pre- 
 mium must be paid within 80 days from the date of 
 application or proposal, otherwise the proposal shall 
 
:1 
 
 it by the 
 d by the 
 
 ill consti- 
 ess at any 
 ' of votes. 
 
 mmtitmHm 
 
 all be al- 
 ily at the 
 mly upon 
 he Health 
 
 ship, shall 
 form pro- 
 ^-er all in- 
 the same 
 answers, 
 5ye-LawSj 
 ['he Policy 
 the agree- 
 irties inte- 
 lecl in the 
 1 the same 
 of the So- 
 ,t the time 
 nual Pre- 
 :he date of 
 posal shall 
 
 15 
 
 be declared void, and the Entrance Fee forfeited to 
 the Society. In such cases of forfeiture, a new ap- 
 plication may be made, which, if accepted, will 
 entitle the said party to a Policy, upon the payment 
 of Entrance Fee and Annual Premium, within 30 
 days from the date thereof. In no case what- 
 ever shall a Policy be renewed after the date upon 
 which the renewal becomes due to the Corporation ; 
 provided that a new Policy may be issued to the 
 same party upon making a new appl'cation, and 
 payment of both Entrance Fee and Annual Pre- 
 mium ; the same having been duly approved by the 
 Directors. 
 
 ARTICLE XIV. 
 
 Health Assurance Policies may be issued to both 
 Males and Females, between 15 and 60 years of 
 age. No Sick Benefit shall exceed 40s. per week 
 to Males, and no Sick Benefit shall exceed 20s. per 
 week to Females. Females shall receive Be- 
 nefits for diseases common to both sexes only. No 
 payment shall be made for sickness or disability 
 arising from diseases peculiar to Females only, 
 
 ARTICLE XV. 
 
 In no case shall a Health Assurance Policy be 
 granted to any person or persons, until such person's 
 proposal shall have been properly examined, duly 
 approved, and shall have received the signature of 
 the Manager, or of such Medical Oflicer, or Branch 
 Office Agent, as may be duly empowered by special 
 power of Attorney to accept proposals for Health 
 Assurance and to issue Policies. And in no case 
 
f- 
 
 ( 
 
 ■111,- 
 
 TOI 
 
 d^ 
 
 ^ ««K..><a«MaitfiMMiiiliMM 
 
 16 
 
 whatever shall a Health Assurance Policy he granted 
 by any Local Board, Local Committee, or any other 
 person 'whatsoever, in a party over 50 years of age, 
 until the proposal shall have been duly approved at 
 the Head Office of the Society in Montreal, and such 
 acceptance officially made known to all parties in- 
 terested. 
 
 ARTICLK XVr. 
 The Board may regulate the amount of Premiums, 
 and the mode and manner of paying the same. 
 
 ARTICLK XVJI. 
 All i ciaoijs aj)pointed as Branch Office Managert 
 shall be duly empowered to receive proposals, ac- 
 cept the same, collect hoth Knlrance Fee and An- 
 mial Premium, and to issue Health Assurance 
 Policies, under a special power of Attorney bearing 
 the Corporate Seal of the Society ; subject at all 
 times to all such written and printed instructions as 
 may be officially furnished, bearing the signature of 
 the Secretary or of the General Manager. 
 
 ARTICLK XVIIL 
 
 All persons acting as General, Local, or Sub- 
 Agents, shall^ when required, enter into such secu- 
 rities as may be required, whereupon they shall be 
 duly empowered to perlbrm the respective duties 
 assigned them ; and they shall, in all cases, strictly 
 follow all such written or printed instructions as 
 may be furnished them by the Secretary or General 
 Manager of the Society, and in no case shall a vio- 
 lation of such instructions, or of the Bye-Laws, be 
 
 
ji'. 
 
 granted 
 ny other 
 ! of age, 
 novecl at 
 Liul such 
 irties in- 
 
 emiums, 
 
 Managers 
 osals, ac- 
 and An- 
 ssiirance 
 ' bearing 
 !cl at ail 
 ictions as 
 nature of 
 
 or Sub- 
 
 ich secu- 
 shall be 
 ve duties 
 s, strictly 
 ctions as 
 r General 
 ipJl a vio- 
 ■Laws, be 
 
 \1 
 
 ARTICLE XIX. 
 
 Members shall in all cases of sickness or disability 
 notify the Secretary, or nearest Agent, of the same, 
 within two weeks from the commencement of the 
 same, and no person shall be entitled to receive Be- 
 nefits for more than one weekanterior to the dale 
 of notice, 
 
 ARTICLE XX. 
 
 The proof requisite to substantiate a claim shall 
 be the Statement of the Claimant, the Certificate of the 
 Attending Physician^ together with that of three 
 members of the Society, or, if three members do not 
 reside in the neighborhood of the claimant, the certi- 
 ficate of the Attending Physician, the Statement of 
 the Clahnant, together with the Official Certificate 
 of a Justice of the Peace, will be received as evidence j 
 or, where there may be no physician residing within 
 the reach of an afflicted member, and proper evi- 
 dence can be produced shewing that such afflicted 
 member has received proper nursing, and all the 
 attention possible under the circumstances, they 
 shall, upon producing the certificate of three respect- 
 able parties, duly attested by the oath of such 
 afflicted member given before a Justice oj the Peace, 
 be entitled to the full Benefits of the Societyj should 
 the same be uatisfactory to the Officers* 
 
 ARTICLE XXI. 
 
 Should a claim be made which should conflict 
 with the Application, Bye-Laws, Rules and Regu- 
 lations of the Health Department of the Society, and 
 the decision of the Officers respecting it be uusatis- 
 
 m^. 
 "^^ 
 
 fmmn:smm<i:Hivi^^rtm-ms 
 
( 
 
 i 
 
 
 TOI 
 
 P 
 
 I 
 
 lill;i 
 
 18 
 
 factory to the claimtiiit, the whole matter shall be 
 submitted to a Board of Referees, composed of three 
 men, one to be chosen by the Secretary or Manager, 
 one by the claimant, and the third by the two thus 
 chosen, and their decision thereon shall be final. 
 
 AUTKXE XXII. 
 
 No person shall be entitled to Benefits until the 
 Annual Premium is paid to the Corporation, nor for 
 the first week of sickness during each separate attack 
 thereof, nor for any chronic or periodically return- 
 ing disease with which they may have been afflict- 
 ed prior to their entrance into the Society, nor for 
 any sickness or bodily injury caused by any act of 
 immorality or indiscretion, or a violation of any 
 of the conditions of the Policy ; and any fraudulent 
 representation of sickness or disability shall forfeit 
 all claims upon the Society. Neither shall any Mem- 
 ber receive a benefit who shall refuse to be seen by 
 any Physician or any visitor of the Society appointed 
 for that purpose, or who shall refuse to answer 
 such questions respecting his or her health, or occu- 
 pation, as it may be deemed necessary to ask, or who 
 shall by any wilful act, misconduct or indiscretion, 
 delay the recovery of his or her health, but Mem- 
 bers sliall be entitled to Benefits, who, by reason of 
 sickness or bodily injury, may be renc' 'I wholly 
 and totally incapable of pursuing, superii iding or 
 overseeing their ordinary business or occupation, 
 according to the terras of the Policy. 
 
 ARTICLE XXUI. 
 
 A Branch Office may bf? established in any locali- 
 
19 
 
 ty 
 
 Members. 
 ^ of Montreal 
 
 But tUe chief 
 
 r the convenience of 
 Office shall be in the Citj 
 
 ARTICLE XXIV. 
 
 Claims ior Sick Benefits shall be paid when pro- 
 perly presented, duly audited, and substantiated, in 
 accordance with Bye-Laws, and in the forms pro- 
 vided by the Society, within 30 days after being 
 received at the Office. The Directors reserving the 
 right of paying the claim immediately upon its re- 
 ceipt properly authenticated. 
 
 ARTICLE XXV. 
 
 In case of a Member changing residence, notice 
 must be given to the Office with the Post Office ad- 
 dress of their new residence. Members shall be per- 
 mitted to reside in any foreign country or any part of 
 the world, 34« degrees North or South of the Equator, 
 without any increase of Premium. Travelling in, 
 or residing in any other than the prescribed limits, 
 without the consent of the Directors, in writing, 
 shall vitiate the Policy. 
 
 ARTICLE XXVL 
 
 Persont; may be elected as Honorary Members in 
 consideration of valuable services renderedj such as 
 distinguished acts meriting the respect and esteem 
 of the Society, 1 y a vote of the majority of the 
 Directors present at any regular meeting. 
 
 ARTICLE XXVIl. 
 
 Persons may be elected as Honorary Directors by 
 a vote of the majority of the Directors present at any 
 
 r«g 
 
 "UlUi iUCCi-iiig. 
 
t 
 
 30 
 
 ARTICLE XXVIII. 
 
 Visitors may bo chosen to visit from time to time 
 all diseased and inlirm Members residing in their 
 respective localities, convey them allowinices, and 
 superintend the iipplication of the same on behalf 
 oi any Member who may be incapable of doing ho 
 (or himself i>r herself. It shiiU bo the special duty 
 of every Agent to courteously receive, and in case 
 of sickness or Irjdily injury, to promptly render as- 
 sistance to any who ir. ly be travelling and detained 
 in consequence. To prevent mistakes occurring, it 
 shall be the duty of the Agent to immediately fur- 
 nish the Jlead Office in Montreal, or any Branch 
 Office to which said party may belong, with such 
 party's name, age, residence, profession, date of 
 proposal, and No. of policy, together with such 
 other information as may be ucicessary to enable the 
 Officers to act p-omptly aiid 7indj'rsta7idingly, 
 
 ARTICLE XXIX. 
 
 These Bye -Laws, Rules and Regulations, shall 
 .'^overn the Health Department, and shall be instead 
 ot all othcis, all former ones being hereby repealed. 
 
 JAMES II. PHILLIPS, 
 
 President* 
 
 DAVID HUNTER, 
 
 Secretary* 
 
 Montreal, January 15, 1856. 
 
10 time 
 n their 
 es, and 
 I behalf 
 oing so 
 al duty 
 in case 
 der as- 
 etained 
 ring, it 
 3ly fur- 
 Branch 
 th such 
 late of 
 th such 
 able the 
 
 h 
 
 \s, shall 
 instead 
 jpealed. 
 
 PS, 
 ident. 
 
 mm% RULES, m m 
 
 '%\mm 
 
 OV THE 
 
 LIFE DEPARTMENT 
 
 OF THIS 
 
 BRITISH AMERICAN FRIENDLY SOCIETY 
 
 WHEREAS, ill the opinion of the Directors of the 
 British American Friendly Society of Canada a . 
 Capital is essentially necessciy in every institution 
 connected with Life Contingencies, not only at the 
 commencement of an ofiice, but even for some time 
 thereafter, although founded upon the most approved 
 principles ; inasmuch as it gives that firm founda- 
 tion, that source of confidence in all circumstances, 
 which to our minds very forcibly advocates the pro- 
 priety at all times of an avaihible capital of ade- 
 quate amount, capable, w^hen necessary, of being 
 converted and applied to the maintenance and 
 liquidation of all its risks and demands against it. 
 
 And whereas large actual funds in hand, arising 
 from the Stock called in, are not called for, but 
 would merely trammel business by absorbing profits, 
 in which Policy-holders would participate, but as 
 they may iindcv various circumstances and casualties 
 be required, should be accessible. 
 
 —^li '- S!*- 
 
ill 
 
 h:;ll 
 
 TO 
 
 
 
 22 
 
 And whereas, by 18 Vic, cap. 64, sec. 3rd of the 
 Act, entitled, an Act to Incorporate the Members of 
 tlie British American Friendly Society of Canada, 
 the Directors of the said Society are duly empowered 
 to raise a Capital Stock, or Fund, for the purposes 
 contemplated by said Act, by subscriptions of the 
 several members, &c., &c., (fee. 
 
 And whereas it is considered expedient that a 
 Capital Stock should be raised for the better security 
 of parties assured sums payable at death, and other- 
 wise. 
 
 We, the Directors of the British American Friendly 
 Society of Canada, do enact the following Bye-Laws 
 and Regulations for the conduct and government of 
 the Life Department of said Society :— 
 
 Articles first, second, third, fourth, fifth, sixth, 
 seventh, eight, ninth, tenth, eleventh, and twelfth 
 of the Bye-Laws of the Health Department shall 
 also be the Bye-Laws of the Life Depart nent. 
 
 ARTICLE XIII. 
 
 The Capital Stock of the Society, inclusive of 
 any Real Estate which the Society may have or hold 
 by virtue of its Act of Incorporation, shall not exceed 
 the sum of Onv3 Hundred Thousand Pounds cur- 
 rency, to be divided into Ten Thousand Shares of 
 jeiO each, the first instalment to be 10s. cy. per 
 share, the said capital to be applied for the pur- 
 poses of the said Society and the expense of its es- 
 tablishment and incorporation, and for no other use 
 or purpose whatsoever. 
 
Mill 
 
 d of the 
 iTibers of 
 Canada, 
 powered 
 purposes 
 s of the 
 
 t that a 
 security 
 id other- 
 Friendly 
 ye-Laws 
 iment of 
 
 li, sixth, 
 twelfth 
 nit sliall 
 jnt. 
 
 iusive of 
 '-e or hold 
 )t exceed 
 nds ciir- 
 Jhares of 
 . cy. per 
 the pur- 
 of its es- 
 3th er nso 
 
 ARTICLE XIV. 
 The payment of the said stock shall be made by 
 calls for each share in such suras and at such times 
 as the Directors may determine, provided that 
 prior to each call 30 day's notice thereof shall 
 be given, stating the amount of such call together 
 with the time and place of payment. 
 
 ARTICLE XV. 
 
 The Shareholders shall be entitled : 
 
 1st. To one vote for every five shares held by each, 
 and one additional vote if an assured Member on 
 the participating scale of Premiums. 
 
 2nd. In consideration of the guarantee of safety 
 and certainty afforded in the first instance to the 
 Society by the advance of capital and subscription, 
 Shareholders shall be entitled to participate in the 
 profits after the rate of £25 per cent. 
 
 3rd. To five per cent interest upon the paid up 
 capital invested by them, as also, in common with 
 the assured, to a participation in the ten per cent 
 appropriated out of the profits as a relief fund, both 
 of which benefits shall, in case of need or aaver- 
 sity, be applied to them or to their widows or or- 
 phans, until the amount of profit shall ultimately 
 be sufficient to pay oft' the shares in full. After 
 which, and as soon as the reserved fund amounts 
 to the sum of £20,000, as provided by Section 7th 
 of the Act of Incorporation, the Society shall be 
 declared purely mutual and all subsequent annual 
 surplus divided equitably, quintennially among the 
 Members, according to the conditions of assurance. 
 
_„*. ,rf».1l.»#k, » 
 
 24 
 
 ARTICLE XVf. 
 
 'Certificates of shares may from time to time may be 
 issued by the Directors to shareholders for the num- 
 ber of shares subscribed for by each. And there- 
 upon, the rights and liabilities of the Shareholders 
 in the Capital Stock of the Society, shall immedia- 
 tely attach, in respect of such Shares ; and Share- 
 holders in the Capital Stock, as such, shall not be 
 held liable for any claim, engagement, loss or pay- 
 ment, or for any transaction, matter or thing relat- 
 ing to, or connected with the Society beyond their 
 past contributions, and the sums remaining due to 
 complete the amount of their subscription to the 
 Capital Stock, 
 
 ARTICLE XVn. 
 
 The Shares in the Capital Stock of the Society 
 shall be deemed personal Estate, and shall be 
 transferable as such on the books of the Society 
 only. . And a transfer book shall be kept at the 
 Head Office in the City of Montreal, wherein the 
 vendor and purchaser shall personally or by attor» 
 ney sign a transfer in the terms of the transfer of 
 the Society. And no sale or transfer shall be made 
 of any fractional part oi any Share. And no trans- 
 fer or assignment shall be valid or binding upon 
 the Society, until an acknowledgment of the ac- 
 ceptance of the Shares shall have been signed by 
 the party accepting and deposited with the Di- 
 rectors, and thereupon such party shall be held en- 
 titled to the rights and subject to the liabilities of a 
 Shareholder. 
 
ARTICLE XVin. 
 
 Any Shareholder, or Shareholders, neglecting or 
 refusing to pay any, or any part of any call, on 
 their respective Shares of Stock in the Capital 
 Stock of the Society, at the time or times required 
 by public notice as aforesaid, shall incur a forfeiture 
 to the use of said Society of a sum of money not 
 exceeding 10 per centum on such call. And more- 
 over, it shall be competent for the Directors of the 
 Society, or a majority of them, without any previous 
 formality other than 30 days notice of their inten- 
 tion, or a written notice addressed through the Post 
 Office to the party in default, at his domicile, as 
 mentioned in the Books of the Society, but with- 
 out the Society being responsible for any error or 
 other cause from which such notice might not have 
 reached such interesced party or parties ; to declare 
 the Shares held by such Shareholder to be forfeited, 
 with the amount previously paid thereon in favou.- 
 of the Society, or to sell at public auction at the 
 Head Office of said Society, the said Shares, or so 
 many of them as shall, after deducting the reason- 
 able expenses of such sale, yield a sum of money 
 sufficient to pay the unpaid instalments due on each 
 of the said Shares, together with the amount of for- 
 feiture and interest upon such instalments from the 
 day the same became due. And the transfer of 
 such Stock, if sold, shall be made to the purchaser 
 thereof by the President, Vice-President, or Secre- 
 tary. And such transfer being accepted by the pur- 
 chaser, shall become as valid and effectual as if the 
 same had been executed by the original holders of 
 
 ...^•■"■■"—'MBa 
 
\- 
 
 TC 
 
 i 
 
 I : 
 
 t< 
 
 I ' i 
 
 ■■'ll' ! 
 
 M\ '' 
 
 i is 
 
 i\ 
 
 ,.,^„„i,^«,^,WWt»«H,«S#*^' 
 
 26 
 
 the Stock transierred, provided that nothing herein 
 contained shall debar the Directors from sueing a 
 Stockholder for the amount of any call for which he 
 or she may be in arrear. A majority of the Directors 
 present at any regular meeting shall have the power 
 to remit the forfeiture of the 10 per centum on the 
 amount of calls which may have been incurred for 
 non-payment as above stated, by the payment oi 
 interest on the same from the date upon which said 
 
 call became due. 
 
 ARTICLE XIX. 
 
 No bnareholder who may be in default for the 
 payment of any call or calls upon his or her Shares, 
 shall be allowed to vote at any meeting, and in all 
 cases, before any Shareholder can vote by proxy, 
 or when any " acte" is to be done, transfer, made, 
 or dividend received by attorney, such proxy or 
 attorney shall deposite with the Secretary his letter 
 of attorney within 24 hours prior to such meeting, 
 but no proxy or attorney who is not a Shareholder or 
 Member shall be allowed to attend at, or vote at 
 any meeting of the Society. 
 
 ARTICLE XX. 
 When any dividend accruing to Shareholders or 
 assured Members shall have been declared by the 
 Directors, 30 days^ notice of the payment thereof 
 shall be given, and no transferor Stock shall be en- 
 registered for 15 days previous to the day fixed for 
 
 the payment thereof. 
 
 ARTICLE XXI. 
 It shall be the duty of the Directors to call a 
 Speciol General Meeting of the Shareholders and 
 
 
ling herein 
 n sueing a 
 ir which he 
 le Directors 
 e the power 
 Ltum on the 
 incurred for 
 payment of 
 which said 
 
 fault for the 
 • her Shares, 
 f, and in all 
 te by proxy, 
 nsfer, made, 
 z\\ proxy or 
 ary his letter 
 LTch meeting, 
 lareholder or 
 it, or vote at 
 
 areliolders or 
 ilared by the 
 ment thereof 
 k shall be eu- 
 day fixed for 
 
 tors to call a 
 reholders and 
 
 27 » 
 
 Members assured for the whole term of Hfe on the 
 participating scale of Premiums, *< Table A," at the 
 Office of the Society, whenever they see fit, by 
 <riving at least 10 days' notice in one or more papers 
 published in the City of Montreal, and also, a writ- 
 ten or printed notice addressed to each Shareholder 
 and to each Member assured on the participating 
 scale of Premiums *' Table A." And except, as it 
 is otherwise provided, all matters and things to be 
 determined, shall be determined by the majority of 
 the Shareholders and Members assured for the 
 whole term of life on the participating scale of Life 
 Premiums ; either in person or by proxy present 
 and assisting at such meeting, the Chairman being 
 entitled to the casting vote in case of an equality of 
 votes at such meeting. But no person, not insured 
 under the participating scale of Life Premiums, 
 f;;haU be entitled to vote at any meeting. 
 
 ARTICLE XXII. 
 Any number of Shareholders for themselves, or 
 as proxies for others, representing not less than 
 jE 10,000 of the Capital Stock, may at any 
 time require the Directors to call a Special Ge- 
 neral Meeting of the Shareholders, and Members 
 Assured upon the Participating Scale of Life 
 Premiums, Table A., for the purposes only, and no 
 other, as set forth in their requisition to that effect, 
 and on the refusal or neglect of the Directors so to 
 do within 30 days' notice thereof left at the Head 
 Office in Montreal, the said Shareholders and mem- 
 bers shall have authority to call such meeting, 
 which meeting shall be competent to take the said 
 
 I 
 
 irSKET";^^' 
 
i 
 
 I 
 
 TC 
 
 I 
 
 t ; 
 
 $ 
 
 • 28 
 
 purposes into consideration, transact and conclude 
 the same, and no other, as fully, and to all intents 
 and purposes, as if the same. had been so transacted 
 and concluded at a regular meeting of the Society, 
 called under the provisions thereof; provided th&t 
 no Special or General Meeting of the said Society 
 shall be held until after advertisement thereof, at 
 least 30 days, in two or more public newspapers 
 published in the City of Montreal, in both the Eng- 
 lish and French languages, and a written notice 
 under the hand of one of the Officers of the Society, 
 appointed to such duty, sent by mail to each Share- 
 holder, and Assured Member on the Participating 
 Scale of Life Premiums, or his or her Representa- 
 tives holding his or her proxy, resident in this Pro- 
 vince, one week at least previous to sach meeting. 
 
 ARTICLE XXIII. 
 Books for Subscription to the Capital Stock of the 
 Society may be opened in the Cities of Montreal, 
 Quebec, Kingston, City of Ottawa, Toronto, Hamil- 
 ton, London, C.W., St. Johns, N.B., Halifax, N.S., 
 St, Johns, Newfoundland, and in such other place, 
 or places, as the majority of the Directors present at 
 any regular meeting may direct, under the direction 
 of such persons as may be specially appointed as 
 Commissioners, whose duty it shall be to give 
 two weeks' notice of the time and place where sub- 
 scriptions will be received, and all parties subscrib- 
 ing for shares (the number unlimited) shall pay to 
 the said Commissioners, instructed as aforesaid, the 
 sum of lOs. currency on each Share- whenever 
 called for by the Directors, provided that not more 
 
 
^ ^ 
 
 conclude 
 ill intents 
 transacted 
 le Society, 
 voided that 
 id Society 
 thereof, at 
 ewspapers 
 1 the Eng- 
 ten notice 
 le Society, 
 ich Share- 
 rticipating 
 lepresenta^ 
 1 this Pro- 
 1 meeting. 
 
 tock of the 
 Montreal, 
 ito, Hamil-' 
 [ifax, N.S., 
 ther place, 
 s present at 
 le direction 
 ipointed as 
 jc to give 
 where sub- 
 3S subscrib- 
 liall pay to 
 bresaid, the 
 whenever 
 it not more 
 
 
 29 
 
 than ninety days shall be allowed to elapse from date 
 of subscription until payment of the first instalment 
 will be required, and the remaining nineteen instal- 
 ments at such period as the Directors shall from time 
 to time direct and appoint for the payment thereof, 
 or they may pay as many more instalments at the 
 time of subscribing as they may think proper, for 
 all which a temporary receipt will be given by the 
 said Commissioner or Agent, and as soon as the re- 
 mittance shall arrive at the Head Office in Montreal, 
 Certificates of Shares, duly executed, with the Great 
 Seal of the Corporation afl[ixed, shall be transmitted 
 and registered. 
 
 ARTICLE XXIV. 
 
 The first periodical division of profits on Bonus 
 Tolicies f Table A.J shall be decltired in 1860, and 
 at the expiration of every five years thereafter, and 
 at each Quintennial division the profits on such 
 Bonus Policies shall be distributed as follows : — 
 
 1. The sum of one-half, applicable at option 
 either as an addition to Policies, in diminution of 
 Premiums, or as an immediate money payment, 
 being after the rate of ^650 per cent. 
 
 2. The sum of one-tenth, applicable as a Belief 
 Fund, after the payment of five consecutive years' 
 Premiums, either to Policy-holders themselves, or 
 to their Widows and Orphans, being after the rate 
 of £10 per cent. 
 
 3. The sum of three-iwentieths, applicable to the 
 ultimate conversion of the Corporation into a piirely 
 Mutual Societv. when all its affiiirs shall revert to. 
 
I 
 
 T< 
 
 I 
 
 I 
 
 fi! 
 
 .1 
 
 tufv 
 
 i 
 
 30 
 
 nnd ]jo vested in, the assured, being after the rate 
 of £15 per cent, and the remaining one-fourth 
 
 amoii!; the Shareholders. 
 
 ARTItLK XXV. 
 Any l^ul icy-holder who shall have been assured 
 for the whole term oi' Life on the Participating 
 Scale of Pieniiiims (Table A.) to the amount of 
 jeiOOO, and not less than je500, shall be entitled to 
 vote for the ai)poiiitment of an auditor, who may 
 watch over their interests and enforce the impartial 
 application of funds appropriated for their benefit. 
 
 ARTICLE XXVI. 
 None but Shareholders shall be entitled to Divi- 
 dends accruiuj^ from any other description of busi- 
 ness relating to Life Contingencies, except as herein 
 before provided, ami the Directors may for the be- 
 nefit of the Society, and whenever deemed expe- 
 dient, extingLiish by purchase or otherwise all Poli- 
 cies, or other obligations issued by th<^ Society, and 
 when notice for that purpose shall have been given, 
 and the consent obtained of taree-fourths, ix\ vaiue,of 
 the Shareholders present in person, or by proxy, at 
 any Special or General Meeting of the Society, it 
 shall be competent lor the Directors to convert or 
 consolidate all, or any part, of the Shares then exist- 
 ing in the Capital Stock of the Society, and in res- 
 pect whoreol' the whole money subscribed and 
 called up shall have been paid, into a general Ca* 
 pital Stock, to be divided amongst the Shareholders 
 according to their respective interests therein. 
 
 ARTICLE XXVII. 
 The Directors may, at their discretion, declare or 
 pay Dividends whenever the aflairs of the Society 
 
Jt the rate 
 one-fourth 
 
 ten assured 
 
 articipating 
 amount of 
 entitled to 
 r, who may 
 le impartial 
 r benefit. 
 
 led to Divi- 
 ion of busi- 
 pt as herein 
 
 for the be- 
 amed expe- 
 ise all PoH- 
 ijociety, and 
 been given, 
 5, ill value,of 
 )y proxy, at 
 ! Society, it 
 
 convert or 
 s then exist- 
 , and in res- 
 scribed and 
 general Ca- 
 >liareholders 
 erein. 
 
 1, declare or 
 the Society 
 
 31 
 
 will justify it. But no dividend shall ever be de- 
 clared, and payable, impairing the Caoital Stock, 
 and accumulations of the Society. 
 
 ARTICXK XXViil. 
 
 t*or a whole life Policy the payment of one-half 
 of the Annual Preniiuni may be delayed for five 
 years, on the security of the Policy, on a life under 
 r)0 years of age. The interest on the postponed 
 half being paid una mil ly in advance, and the arrears 
 Unpaid being paid at t)ie expiraiion of the term. 
 
 ARTICLE XXIX. 
 
 At the expiration of each year the losses and ex- 
 {lenses shall be deducted from the receipts, and the 
 surplus,after providing for outstanding risks and the 
 provisions of section vii. of the Act of Incorporation, 
 shall revert as profits to Shareholders and Policy- 
 holders as herein before provided, 
 
 ARTICLE XXX. 
 
 On the death of a party assured, the Directors, 
 after deducting credits (if anyj from the amount of 
 the Policy, shall pay the balance to the holder 
 thereof; together with the transferable certificate of 
 all dividends, and any unpaid interest which may 
 have accrued thereon. No Policies shall be issued 
 on the Lives of Married Women in favor of their 
 Husbands, except in cases where they may have 
 a pecuniary interest which terminates at their 
 death. But assurances may be efiected where the 
 amount is for the benefit of children, and payable to 
 them or their legal representatives. 
 
iv 
 
 (! 
 
 1' 
 
 i 
 
 
 1' 
 
 ■■,'r'- * 
 
 i 
 
 f 
 
 ; f 
 
 i ' ■ I 
 
 i '^ '" 1 
 
 :■; 'hi 1 
 
 
 \ ! 
 
 W> ^' ^ 
 
 lit ! i ; 
 
 ii 
 ii 
 
 I 
 
 39 
 
 ARTICI/E XXXI. 
 Tlic ussuicd for tU« whole term of life may at any 
 lime, after Uie cxpirution of one year from date ol 
 Policy, loan from the Society a fund to the amount 
 ofone-half of his, or her, Annual Cash Premmm, 
 .,pou the security of the Policy, by giving notice to 
 the Head Office in Montreal. The sum thus bor- 
 rowed may be ior a permanent or temporary period. 
 But any irregularity in the payment of interest, or 
 of his, or her, Premium of Assurance, shall subject 
 the loan to he recalled, and the Policy cancelled. 
 Parties assured under Table I., or on the " Accumu- 
 latino- or Deposit Table," may draw from the Society 
 at any time such portion of their funds invested as 
 thoy please, but the amount of their assurance shall 
 be reduced in proportion to the amount of funds 
 withdrawn. 
 
 ARTICLE XXXIl. 
 Members holding term Policies may have them 
 converted into Policies for the whole term of iife.if the 
 risk continues to be unexceptional. No assignment, 
 or dealing with Policies, or promises, or permits by 
 Agents of the Society shall be allowed or permitted, 
 wtthout the express permission, expressed in writ- 
 i„a of the Officers of the Society ; and no alteration 
 of !i Policy by an Agent, or permit to travel shall 
 be sanctioned. The sole duty of Agents shall be to 
 receive Proposals, collect the Annual Premiums, and 
 deliver Policies. No Policy shall take effect, or be 
 binding upon the Society, until the Premium is 
 nctuully paid to the Corporation, and the Policy 
 
 
' at any 
 date of 
 amount 
 emiiim, 
 otice to 
 Lus bor- 
 
 pcriod. 
 Brest, or 
 
 subject 
 ncelled. 
 iccumu- 
 
 Society 
 ested as 
 ice shall 
 of funds 
 
 ive them 
 
 iife,ifthe 
 ignment, 
 jrmits by 
 ermitted, 
 in writ* 
 literal ion 
 vel shall 
 mil be to 
 iums, and 
 2ct, or be 
 jmium is 
 
 le ruiiuy 
 
 
 actually delivered tu the party entitled to it, and 
 within the life-time of the party. No Renewal Re- 
 ceipt shall be taken for any Premium of Assurance 
 but such as are printed and issued direct from the 
 Head Office, and signed by the President and Secre- 
 tary of the Society, and countersigned by the 
 Socir^-'^'s Agent. 
 
 ARTICLE XXXIII. 
 
 Military and Naval Officers may be assured at the 
 usual Tabular rates in time of peace, and when not 
 exposed professionally to additional risk from the 
 country being invaded by a foreign enemy, or made 
 the seat of open rebellion against the constituted 
 auth orities. 
 
 The following conditions of Assurance shall be 
 printed on the back of each policy of Life Assurance, 
 viz. :— 
 
 COKDITIONS OF LIFE ASSURANCE. 
 
 This Policy will become void and all monies paid 
 on account thereof to the Society become forfeited 
 in case of any of the events transpiring mentioned 
 in the following clauses, to wit: Nos. 1, 2, 3, 4, res- 
 pectively, 
 
 1st. If the within mentioned declaration upon 
 which this Policy is based, contains any untrue state- 
 ment touching the party on whose life the assur- 
 ance is made, and with which the Officers of tha 
 British American Friendly Society ought to be made 
 acquainted. 
 
 before the day mentioned for payn\ent thereof, 
 

 I 
 
 ' I 
 
 84> 
 
 r'Voie.J-CReucwal. will be received within any 
 [casonable time aRcr being duo not exceeamg 
 tA.e««u,«t/«,uiK.n satisfactory evdence o the un- 
 impaired state of health of the assured be.ng fui- 
 „ished to the Society, and the only evidence upon 
 which this consent can be granted, is the cert.ftcate 
 of the Society's Me.lical Examiner, whose fee m 
 such cases must be paid by the Policy holder.) 
 
 3rd. If the parties on whose life the assurance is 
 made, shall die by duelling or by their own hands, 
 or by the hands of Justice, excepting so far as re- 
 spects any otlier person c. persons who may havo 
 acciuired any to»a fid^ int^^st therein for a va u- 
 able money consideration under an assignment duly 
 
 intimated to the Society, F"°f.°f «;««";;"! ° 
 which to he given to the satisfaction of the Officers 
 of the Society ; and excepting the I'rcmium paid, 
 wliich, in case no assignment has been made, are 
 to be returned to the representatives of the assured. 
 4th. If the early on whose life the assurance is 
 made, shall die in consequence of having been em- 
 ployed in actual service in any naval or military 
 capacity, or being, or becoming a sea-faring person, 
 or shall go beyond the prescribed limits I'ereinafter 
 described, without a special permit from the Ofhcers 
 of the Society endorsed thereon, and paymg an ad- 
 ditional Premium commensurate with the risk. 
 GENERAL REGTJLATIOHS AND CONDITIONS. 
 Kcsi,— Persons desirous of effecting a life assur- 
 ance ill the British American Friendly Society of 
 Canada, must state the name, residence, occupation, 
 and age, of the person or persons on whose life or 
 
na 
 
 in any 
 seeding 
 the lin- 
 ing fiu'- 
 e upon 
 ftificRto 
 1 fee in 
 
 anco is 
 1 hands, 
 lv as rc- 
 ay have 
 a valii- 
 ent duly 
 xtent of 
 Officers 
 Lim paid, 
 ade, are 
 assured, 
 irance is 
 3een om- 
 military 
 g person, 
 ireinaftcr 
 e Officers 
 ig an ad- 
 risk. 
 iITIONS. 
 
 life assur- 
 jociety of 
 ;cupation, 
 ►se life or 
 
 35 
 
 lives the assurance is proposed to be made, their 
 place of birth, state of health, cVc, &c., and other 
 particulars contained in the printed forms, they must 
 give reference to a medical and another person for 
 eviden-e on these points, and must sign a declaration 
 of the fads as stated, which declaration shall be the 
 basis of Mie contract between the Society and the 
 assured, the validity of the Policy to be dependent 
 upon the truth of said declaration. 
 
 Second,— The Society w:ll, in all cases, require 
 proof of the age of the person assured before pay- 
 ment of the amount assured, unless that fact shall 
 have been admitted and endorsed upon the Policy. 
 And every person effecting an assurance on the life 
 of anotlier must have an interest in such life to the 
 extent of the assurance made. 
 
 2VimZ,— The assured are allowed to reside in, and 
 pass to and from, in time of peace, any place within 
 the following limits :-In the whole of the British 
 North American Provjaces and the United States, 
 Fast of 100 ^ of longitude West of the meridian 
 Greenwich, and North of 34-^ North latitude, and 
 Kast to the shores of the North American Continent, 
 and to travel Inland on Rivers,Bays and Lakes, with- 
 in the above prescribed limils. And also to proceed in 
 Steamships or of first class sailing Packets, between 
 a7iy port m the British North American Colonies and 
 the United States within the aforesaid limits and in 
 any port of Ettrope, ivithout any special p)ermit, or 
 payment of extra Premizms. But if the assured 
 pass without the above prescribed limits without 
 ^he previous knowledge and special permit from the 
 
M V, 
 
 » ^ttftV-*^ m n^m 
 
 ^^^^ .<»fcy- ."»-< ^i » ^-- 
 
 lUiitti 
 
 mtmt 
 
 36 
 
 Office endorsed ou the Policy, and paying such ad- 
 y^^LlPremium as may be judged commensurate 
 actional iremi rdicy sUliU be void. 
 
 with the increase of ^^^^' '^? '^^^ 
 Residence permitted in the whole ot li^urop 
 
 extra Premium. , 
 
 Fourth -Upon the death of the parly assured 
 
 ^/^nitv Zu be notified thereof, in writing, by 
 
 Officers of the Society as particular a" -°'=°'«'* '^^ 
 
 '*'""'• ntdl fnf sU ac ompany the same with 
 Tht of ttVoath or affirm^ion, declaring the 
 his, her, or u shewing also the age of 
 
 same to be just and ;'"«' f ^^ f,^, ^^^jued on 
 the deceased person (if ""^P"^ ,° ^^„„ .^. -ssur- 
 the Policy by endorsement,) and m case the assur 
 
 f j„«i» of o» p«™, from th. my"«" yk;'"* 
 
 a Jusuce ui li ..^tincr the cause ot death, 
 
 attended the deceased, stating the ca 
 
 of t>iP disease or accident causing uic 
 
 were acquainted witu tu-- decease- ; 
 
such ad- 
 lensurate 
 
 1 be void. 
 e without 
 
 ,y assured 
 riting, by 
 ; soon after 
 ver to the 
 account of 
 tie circum- 
 ture of the 
 same with 
 daring the 
 ) the age of 
 idmitted on 
 e the assur- 
 1 his or her 
 
 nature and 
 iary interest 
 deceased at 
 ot to be in- 
 i, which the 
 jr. He, she, 
 
 the Queers 
 ;ested before 
 ?ian who last 
 use of death, 
 ; causing the 
 ace of death, 
 I persons who 
 \s to the time 
 
 3b 
 
 n\\i\fact of the cleatli ; liIso, u certificate of the un- 
 dertaker, Sexton, or Clergyman, wlio ofliciated at 
 the funeral and saw the body interred. And in all 
 cases the identity of the party deceased must ha 
 made clearly to appear on all claims. 
 
 ARTICLE XXXIV. 
 
 The Seal now produced, and hereunto attached, 
 shall be the Corporate Seal adopted, and to be used 
 by the Society in all transactions relating to the 
 Life Department. And the statements set furth in 
 the Society's pamphlet of 1855 are hereby ratified, 
 so far as they conform to the provisions of the Bye- 
 Laws 5 and, furthermore, the forms now in use Ijy 
 the Society shaU be used for their respective pur- 
 poses. 
 
 The furegoing Bye-Laws and Regulations, as also 
 tlie Regulations laid down in the Society's pam- 
 phlet of 1855, and established by the Manager, are 
 herel^y ratified and adopted, and shall be in lieu of 
 those previously passed, and shall take eflect imme- 
 diately. 
 
 MoNTUEAL, this 15th day of Jaiuiary, 1836. 
 
 JAS. H. niiLLirs, 
 
 Prcmhnt. 
 
 DAVfD lIUN^rLR, 
 Secretary,