WESTERN DEPARTMENT GENERAL AGENT.-Fred S. James; Asst. Gen. Agt., George H. Bell.

PACIFIC COAST DEPARTMENT GENERAL AGENTS.-Willard O. Wayman and Carl A. Henry; Asst. Gen. Agts., Frank E. Stone and Maxwell H. Thomson. GULF DEPARTMENT GENERAL AGENTS.-Emery & Norton.

SOUTHWESTERN DEPARTMENT GENERAL AGENTS.-Colonial and Mechanics and Traders, Trevezant & Cochran.

ONTARIO GENERAL AGENTS.-Smith, McKenzie & Hall.
WEST VIRGINIA.-Alfred Paull & Son, Wheeling.
FLORIDA.-H. C. Hare & Co., Jacksonville.

MARITIME DEPARTMENT GENERAL AGENTS.-Douglas Rogers Co., Ltd., Amherst, N. S.; Overseas Underwriting Agency, Inc., 16-22 William street, New York City; Prindville & Co., Insurance Exchange Bldg., Chicago, Ill.; Cuba-J. F. Berndes & Co., 33 Cuba street, Havana, Cuba.

WRITES.-Fire, Marine, Motor Vehicles, Tourists' Baggage, Sprinkler Leakage, Explosion, Windstorm, Tornado and Hail Insurance.

TERRITORY COVERED.-United States, Cuba and Canada.

NATIONAL SECURITY FIRE INSURANCE COMPANY, 1406 Farnam street, Omaha, Neb. Licensed June 14, 1915. OFFICERS.-Pres., Walter A. George; V. Prests., E. E. Howell, C. H. Clancy; Man. Undr., C. H. Clancy; Sec., O. A. Danielson; Treas., F. J. Zeman.

DIRECTORS.-Walter A. George, E. E. Howell, F. J. Zeman, W. H. Reynolds, A. H. Rume, F. A. Good, J. G. Hohl, Nicholas Ress, E. E. Good, W. A. Greenwald, Jacob Severin, F. J. Svoboda, Charles H. Clancy, Chester H. Aldrich, O. A. Danielson. WRITES.-Fire, Tornado and Automobile Insurance. TERRITORY COVERED.-Nebraska.

NATIONAL LUMBER INSURANCE COMPANY, 806 Fidelity Bldg., Buffalo, N. Y. Organized November 15, 1905.

OFFICERS.-Pres., M. S. Tremaine; V. Pres., Carlton M. Smith; Sec., William P. Haines; Treas., Carlton M. Smith.

DIRECTORS.-V. W. Curtis, B. F. Jackson, J. F. Middledith, William P. Haines, C. J. Hamlin, William L. Marcy, H. C. Mills, G. B. Montgomery, M. E. Preisch, M. S. Tremaine, A. B. Pimm, M. F. Murphy, C. M. Smith.

TERRITORY COVERED.-Cal., Ill., Ind., Mass., Mich., Minn., N. J., N. Y., Ohio, Pa., Wis.

Rhoads.

NATIONAL TRADES FIRE INSURANCE COMPANY, 322 South Michigan Ave., Chicago, Ill. Organized 1906. OFFICERS.-Pres., W. H. Rehm; V. Pres., Rudolph Brand; Sec., E. Graham DIRECTORS.-E. A. Faust, George Reisch, Charles E. Succop, Otto Kubin, N. W. Kendall, E. F. Meyer, William A. Birk, Carl J. Hoster, Edward Lansberg, Rudolph Brand, E. Graham Rhoads, Peter S. Thuerer, Henry Gund, William H. Rehm, Gustave W. Lembeck, Chas. Hasterlik, C. H. Henning.

TERRITORY COVERED.-Conn., Ill., Mich., Ind., Minn., Mo., N. J., N. Y., Ohio, Pa., Wash., Wis.

NATIONAL UNION FIRE INSURANCE COMPANY, Sixth avenue and Smithfield street, Pittsburgh, Pa. Organized February 14, 1901.

OFFICERS.-Pres., E. E. Cole; V. Pres., A. W. Mellon; Sec. and Man. Undr., William G. Armstrong; Asst. Secs., R. M. Nevins, Nelson Reid; Treas., A. W. McEldowney; Asst. Treas., C. A. Tyler.

DIRECTORS.-J. Stuart Brown, H. Buhl, Jr., E. E. Cole, John Farrell, James B. Haines, Jr.; George Z. Hosack, B. F. Jones, Jr.; James H. Lockhart, H. C. McEldowney, A. W. Mellon, George T. Oliver, David B. Oliver, H. K. Porter, Alexander C. Robinson, William B. Schiller, Jos. H. Holmes, Edward A. Woods, Chas. W. Dahlinger, Louis C. Sands, Edwin W. Smith.

WRITES.-Fire, Lightning, Tornado, Hail, Explosion, Sprinkler Leakage Insurance. TERRITORY COVERED.-All the United States, except Vt., Del., Miss., Ariz., Nev.; also write in Hawaii, Alaska and Canadian Provinces of B. C., Sask., Alberta, Mont., Ont., Quebec, N. B. and N. S.

NATIONAL UNION FIRE INSURANCE COMPANY, Washington, D. C. Organized 1865. OFFICERS.-Pres., Albert F. Fox; V. Pres., Charles B. Bailey; Sec., P. F. Larner. TERRITORY COVERED.-District of Columbia only.

1914.

NEVADA FIRE INSURANCE COMPANY, Reno, Nev. Organized March 1, OFFICERS.-Pres., W. C. Pitt; V. Pres., C. E. Mack; Sec.-Treas., Robert Carlson. DIRECTORS.-G. M. Anderson, I. E. Bailey, P. Buol, R. Carlson, W. F. Dressler, C.Gulling, C. M. Hennings, A. D. Hudspeth, J. J. Hylton, C. E. Mack, W. S. McPher son, M. W. Malloy, G. P. Merrill, W. C. Pitt, G. Sanford, G. W. Steiner, F. O. Stickney. WRITES.-Fire Insurance.

TERRITORY COVERED.-Nevada.

NEWARK FIRE INSURANCE COMPANY, 41 Clinton street, Newark, N. J. Organized May 14, 1810.

OFFICERS.-Pres., Edgar J. Haynes; V. Pres., George F. Reeve; Treas., Thomas D. Richardson; Sec., Thomas L. Farquhar; Supt. of Agencies, James G. Maconachy.

DIRECTORS.-J. H. Bacheller, Joseph M. Byrne, Franklin Conklin, Winton C. Garrison, Herbert P. Gleason, Edgar J. Haynes, James S. Higbie, Uzal H. McCarter, Walter S. Nichols, Merritt G. Perkins, George F. Reeve, Joseph M. Riker, Alfred F. Skinner, Joseph Ward, Jr.

EASTERN AND SOUTHERN DEPARTMENTS MANAGER.-Thomas L. Farquhar.
WESTERN DEPARTMENT MANAGER.-James G. Maconachy.

PACIFIC COAST DEPARTMENT MANAGER. George W. Dornin.
WRITES. Fire, Tornado and Automobile Insurance.

TERRITORY COVERED.-Alaska, Ariz., Brit. Col., Cal., Colo., Conn., Del., D. C., Fla., Idaho, Ill., Ind., Iowa, Me., Md., Mass., Mich., Minn., Mo., Mont., Neb., Nev., N. H., N. J., N. Y., N. C., Ohio, Ore., Penna., R. I., Utah, Va., Wash., W. Va., Wis., Wyo.

The Newark Fire is the oldest fire insurance company in New Jersey. The original capital was $250,000, which received increases, as did the surplus, from time to time, making these items at present: Capital, $500,000; net surplus, $406,788. The Company has done a conservative business, exercising prudence in its acceptance of risks and commendable economy in conducting operations. Its average loss ratio has been low and its loss-paying record is of the best. The Newark Fire Underwriters policies are guaranteed by this Company. The scale of its transactions and financial strength is indicated in the following figures for 1916, which, when compared with those of 1915, as here given, serve to show the sure and substantial progress the Company is making: Admitted assets at the close of 1916 totaled $2,270,309-at the close of 1915 they stood at $2,153,768; reinsurance reserve, 1916, $1,131,091-1915, $1,043,690; net surplus, 1916, $406,788-1915, $431,616; net premium income, 1916, $1,353,101-1915, $1,192,912; total income, 1916, $1,447,360-1915, $1,304,783. Of the Board of Directors it should be said that it is representative of some of New Jersey's most important financial and business interests; and of the management that it is composed throughout of underwriters of long experience and proven skill. President Edgar J. Haynes has been in fire insurance since he was sixteen years old, beginning at that age with the Phenix of Brooklyn. He saw extensive special agency service with both the Phenix and the Springfield Fire & Marine. In 1910 he was elected to the presidency of the Newark. He has been active in association work as well, and has been honored with the presidency of the New York State Association of Supervising and Adjusting Agents, and of the Underwriters' Association of the Middle Department, and is the secretary of the National Board of Fire Underwriters. It is thus seen that the Newark Fire is in safe and accomplished hands.

NEW BRUNSWICK FIRE__INSURANCE COMPANY, 40 Paterson Street, New Brunswick, N. J. Organized December 27, 1826. OFFICERS.-Pres., George A. Viehmann; V. Prests., Chas. D. Ross, D._L. Morrison; Sec., Charles D. Ross; Asst. Secs., Gresham Ennis, I. D. Clark; Treas., E. B. Wycoff. DIRECTORS.-Henry C. Brummel, Theo. F. Hicks, Wm. B. Lloyd, D. L. Morrison, J. L. Parsons, W. L. Perrin, Chas. D. Ross, Geo. A. Viehmann, E. B. Wycoff.

WRITES. Fire, Marine, Sprinkler Leakage and Tornado Insurance.

TERRITORY COVERED.-Ala., Cal., Colo., Conn., Fla., Ga.. Idaho, Ill., Ind., Iowa, Ky., La., Md., Mass., Mich., Minn., Mo., Mont., Neb., N. J., N. Y., Ohio, Ore., Pa., S. C., Tenn., Tex., Utah, Va., Wash., Wis.

NEW HAMPSHIRE FIRE INSURANCE COMPANY, 156 Hanover street, Manchester, N. H. Organized July, 1869.

OFFICERS.-Pres., Frank W. Sargent; V. Pres., Walter M. Parker; Secs., Frank E. Martin, Lewis W. Crockett, William B. Burpee; Asst. Sec., George A. French; Treas., N. P. Hunt.

DIRECTORS.-Nathan P. Hunt, Walter M. Parker, Alfred Quimby, Frederic A. Faulkner, Herman F. Straw, Frank P. Carpenter, Henry E. Burnham, Roger G. Sullivan, Frank W. Sargent, Thomas R. Varick, Warren Brown, William H. Cadwell, Arthur M. Heard, Harris M. Shaw, Benjamin A. Kimball, Orton B. Brown, Samuel K. Bell,

George P. Crafts, William F. Richard, John A. Fisher, George W. Fowler, Aretas B. Carpenter, Horatio Colony, Arthur W. Howison.

PACIFIC COAST MANAGERS.-Curtis & Bailey, San Francisco.

WRITES.-Fire, Sprinkler Leakage, Hail, Lightning, Explosion and Tornado In

surance.

TERRITORY COVERED.—Ala., Ariz., Ark., Cal., Colo., Conn., D. C., Del., Fla., Ga., Ill., Ind., Ia., Kans., Ky., La., Me., Mass., Md., Mich., Minn., Mo., Miss., Mont., N. H., N. J., N. Y., Neb., N. C., N. D., Ohio, Okla., Ore., Pa., R. I., S. D., Tex., Utah, Vt., Va., Wash., W. Va., Wis., Wyo., Tenn.

NEW JERSEY FIRE INSURANCE COMPANY, 40 Clinton street, Newark, N. J. Organized December 21, 1910.

OFFICERS.-Pres., George A. Viehmann; V. Pres., Albert E. Hartcorn; Sec., Gresham Ennis; Asst. Sec., F. L. Brokaw; Treas., F. L. Brokaw.

DIRECTORS.-E. E. Sargeant, Charles L. Auger, R. V. Adams, J. A. Forster, George A. Gaston, G. T. Hatt, J. R. Mueller, C. P. Stewart, Geo. A. Viehmann, Edwin B. Goodell, Albert E. Hartcorn, Thomas J. Hillery, Frank Jennings, Rudolph F. Rabe, George N. Seger.

sion.

WESTERN DEPARTMENT MANAGER.-H. H. Ingalls.

PACIFIC COAST MANAGER.-W. W. Alverson.

WRITES.-Fire, Tornado and Inland Marine Insurance, Sprinkler Leakage, ExploTERRITORY COVERED.-Ala., Brit. Col., Cal., Conn., Fla., Ga., Ill., Ind., Iowa, La., Mich., Md., N. Y., N. J., Ohio, Ore., Penna., S. C., Texas, Utah, Wash., Wis., Idaho, Ky., Mass., Minn., Mont., Nev., Neb., Tenn.

1916.

NEW SOUTH FIRE INSURANCE COMPANY, Bamberg, S. C., Organized OFFICERS.-Pres., H. W. Graham; V. Pres., C. F. Rizer; Sec., W. D. Coleman; Treas., J. E. Newsome.

NIAGARA FIRE INSURANCE COMPANY, 25 Liberty street, New York, Organized July, 1850. OFFICERS.-Pres., Otho E. Lane; V. Pres., B. M. Culver; Secs., Charles A. Lung, Wilbur C. Smith.

DIRECTORS.-J. Herbert Johnston, Robert W. de Forest, Otto T. Bannard, Henry W. de Forest, J. Warren Greene, Harold Herrick, Henry E. Coe, George C. Howe, William B. Boulton, George W. Dewey, Thomas Williams, Johnston de Forest, Ethelbert I. Low, Charles Laue, Otho E. Lane.

EASTERN DEPARTMENT MANAGER.-C. H. Rice.

PACIFIC COAST DEPARTMENT MANAGER.-Edwin Parrish.

Insurance.

WRITES.-Fire, Marine, Automobile, Sprinkler Leakage, Earthquake and Tornado TERRITORY COVERED.-United States and Canada.

NORTH BRANCH FIRE INSURANCE COMPANY, 440 Market street, Sunbury, Pa. Organized April 29, 1911. OFFICERS.-Pres., W. H. Lyons; V. Pres., J. G. Sell; Sec., Amos Bloom; Treas., William A. Shipman; Man. Undr., John G. Sell.

DIRECTORS.-W. H. Lyons, J. H. Lenker, Amos Bloom, W. A. Shipman, J. G. Sell, D. N. App, I. E. Boust, Theo. A. Boak, E. E. Clarke, G. E. Deppen, Mahen Dyer, D. J. Ferguson, P. H. Fuhrmann, M. E. Grove, F. A. Hayes, A. P. Hull, H. L. Jones, G. E. Lesher, W. H. Loy, D. C. Lyons, C. S. Miller, A. Moeschlin, W. H. Nicely, Ě. V. Nicely, A. W. Pontius, W. A. Riland, C. P. Rinehart, Isaac Rockefeller, O. P. Rockefeller, A. G. Rothermal, J. W. Sampsell, J. J. Sankey, C. C. Seebold, D. H. Snyder, Jos. Wilhour, Jos. Wyatt, O. P. Rickefeller, G. P. Mertz, W. W. Gulick, J. D. Greybill, J. D. Ellis. WRITES.-Fire Insurance.

TERRITORY COVERED.-N. H., Mass., N. Y., N. J., Pa., Ohio, Tenn., Mich., Colo., W. Va., Nev.

NORTH CAROLINA HOME INSURANCE COMPANY, Cor. Martin and Wilmington streets, Raleigh, N. C. Organized 1868. OFFICERS.-Pres., Alexander Webb; V. Pres., John F. Bruton; Sec., George P.

Folk.

DIRECTORS.-William N. Kremer, C. G. Smith, Geo. P. Folk, E. M. Cragin, Thomas Barber, Walker Taylor, E. B. Dewey, H. E. Litchford, E. C. Duncan, B. S. Jerman, John F. Bruton, Alexander Webb, Jesse E. White, Charles F. Hard.

WRITES.-Fire Insurance.

TERRITORY COVERED.-N. C., Va. and N. Y.

NORTHERN FIRE AND MARINE INSURANCE COMPANY, Grand Forks, N. Dak. Organized 1911.

OFFICERS.-Pres., C. K. Bradley; V. Pres., Alexander Mitchel; Sec., H. H. Hand; Treas., Carl Fischer.

DIRECTORS.-Everett A. Baker, C. K. Bradley, Ben Burt, W. S. Dryden, George Else, Carl Fischer, H. H. Hand, Alex. Mitchel, Thomas Taylor, Peter J. Wibe. WRITES.-Fire, Tornado, Automobile and Hail Insurance. TERRITORY COVERED.-North Dakota only.

NORTHERN INSURANCE COMPANY OF NEW YORK, No. 1 Liberty street, New York. Organized October 22, 1897.

OFFICERS.-Pres., William Mason; Sec., James Marshall; Gen. Mgrs., Willard S. Brown & Co. DIRECTORS.-William A. Street, Arthur A. Fowler, William Mason, James Marshall, Eberhard Faber, William Brewster, John E. Berwind, Joseph P. Grace, Willard S. Brown, Louis J. Pooler, Howard C. Brokaw, Robert Mallory, Shepard G. Schermerhorn. WRITES.-Fire Insurance.

TERRITORY COVERED.-Ala., Ariz., Cal., Colo., Conn., Fla., Ga., Hawaii, Idaho, Ill., Ind., La., Md., Mass., Mich., Minn., Mo., Mont., N. J., N. Y., Ohio, Ore., Penn., R. I., Utah, Wash., Wis.

NORTH RIVER INSURANCE COMPANY, 95 William street, New York City, N. Y. Organized February 6, 1822. OFFICERS.-Pres., F. H. Crum; V. Prests., J. A. Forster, J. Lester Parsons, R. O. Haubold; Sec., D. G. Wakeman; Asst. Secs., J. H. Ackerman, C. J. Voorhis; Gen. Agt., J. Lester Parsons.

DIRECTORS.-William P. Douglas, John Mason Knox, David M. Morrison, William M. V. Hoffman, Frederick H. Crum, James Turner, Jonathan B. Currey, Isaac L. Allen, J. Lester Parsons, Vincent S. Mulford, Charles M. Wolcott, William Harkness, Rudolph O. Haubold, Andrew B. Newcombe, Albert A. Smith, Inglis Stuart, Robert D. Andrews, John A. Forster, Waldo Hutchins, Louis F. Ballard, William J. Fisher, Harrie T. Hull, James Ackerman, George R. Branson, Edgar H. Lee, John F. Smith, David G. Wakeman.

EASTERN DEPARTMENT MANAGER.-B. C. Scudder.
SOUTHERN DEPARTMENT MANAGER.-Geo. Z. Day.

WESTERN DEPARTMENT MANAGER.-Fred M. Gund, Freeport, Ill.

PACIFIC COAST DEPARTMENT MANAGER.-W. W. Alverson, San Francisco Cal.
WRITES.-Fire, Tornado, Automobile, Sprinkler Leakage, Explosion and Marine

Insurance.

TERRITORY COVERED.-Ala., Cal., Col., Conn., D. C., Fla., Ga., Idaho, Ill., Ind., Iowa, Ky., La., Md., Mass., Mich., Minn., Mo., Mont., Neb., Nev., N. J., N. Y., N. C., N. D., Ohio, Ore., Pa., R. Í., S. C., S. D., Tenn., Tex., Utah, Va., Wash., W. Va., Wis.

NORTHWESTERN FIRE AND MARINE INSURANCE COMPANY, 117129 South 5th street, Minneapolis, Minn. Organized May 2, 1890.

OFFICERS.-Pres., C. T. Jaffray; V. Prests., E. Č. Warner, Isaac Hazlett, John H. Griffin; Sec. and Man. Und., John H. Griffin; Asst. Sects., William Collins, H. J. Gibson; Treas., William Collins.

DIRECTORS.-F. A. Chamberlain, A. A. Crane, Earle Brown, Isaac Hazlett, G. W. Buffington, C. T. Jaffray, R. W. Webb, E. C. Warner, Theo. Wold, Wm. Collins, John H. Griffin.

PACIFIC COAST DEPARTMENT.-Marsh & McLennan, San Francisco, Cal.
WRITES.-Fire, Tornado, Automobile and Hail Insurance.

TERRITORY_COVERED.-Cal., Colo., Idaho, Ill., Iowa, Kans., Mich., Minn., Mont., Neb., N. Y., N. D., Ohio, S. D., Wis., Wash., Ore., Mass., N. H., N. J., Pa., Del., W. Va., Okla.

NORTHWESTERN NATIONAL INSURANCE COMPANY, 168 Wisconsin · street, Milwaukee, Wis. Organized February 20, 1869.

OFFICERS.-Pres., Alfred F. James; V. Prests., William D. Reed, Joseph Huebl; Sec., Lubin M. Stuart; Asst. Sec., H. A. Schmidt; Gen. Adjuster, Arthur J. Wright. DIRECTORS.-Charles Ray, Frederick Layton, J. Ogden Armour, James G. Jenkins, Washington Becker, Fred Vogel, Jr., H. A. J. Upham, Howard Greene, Grant Fitch, J. H. Tweedy, Jr., Robert Camp, Joseph Huebl, Alfred F. James, William D. Reed, William D. Van Dyke.

PACIFIC COAST DEPARTMENT MANAGER.-D. W. Clark.
WRITES.-Fire, Tornado, Hail and Marine Insurance.

TERRITORY COVERED.-Ariz., Cal., Colo., Conn., Dist. Col., Fla., Ga., Idaho, Ill., Ind., Iowa, Kans., Ky., Md., Mass., Mich., Minn., Mo., Mont., Neb., N. J., N. M. N. Y., N. C.. N. D., Ohio, Okla., Ore., Penna., R. I., S. C., S. D., Tenn., Tex., Utah, Va., Wash., W. Va., Wis., Wyo., Dominion of Canada, Hawaii and La.

OHIO FARMERS INSURANCE COMPANY, Le Roy, Ohio. (Stock and Mutual Plan. See Mutual List for Officers.)

OHIO VALLEY FIRE AND MARINE INSURANCE COMPANY, 227 Broadway, Paducah, Ky. Organized April, 1914. OFFICERS.-Pres., F. M. Fisher; V. Prests., Frank Boyd, M.D., R. E. Cooper; Sec., Man. Undr., and Purchasing Agt., Auber Smith; Asst. Sec., R. D. Wilson; Treas., E. G. Boone.

DIRECTORS.-F. M. Fisher, W. F. Paxton, Ed. D. Hannin, Dr. Frank Boyd, Dr. H. G. Reynolds, Jas. M. Lang, Harry L. Meyer, J. L. Wolff, E. G. Boone, Abe Livingston, W. A. Berry, C. W. Emery, L. Brewer, G. R. Davis, Auber Smith, Louis F. Kolb, E. W. Baker, H. B. Gilbert, R. D. Wilson, Miss Mary L. Jones, E. C. Phelps, Ed. E. Walker, C. J. Barlow, Dr. T. W. Blakey, R. E. Cooper, A. L. Newman, T. H. Farmer, Dr. G. W. Walbright, C. C. Leonard, Sam T. Stewart.

WRITES.-Fire, Tornado, Hail, Marine and Motor Vehicles Insurance.
TERRITORY COVERED.-Kentucky.

OLD COLONY INSURANCE COMPANY, 87 Kilby street, Boston, Mass. Organized June 2, 1906.

OFFICERS.-Pres., Ransom B. Fuller; V. Prests., William R. Hedge, Edmund Winchester; Sec., John P. Morgan; Asst. Sec., W. J. Chisholm.

DIRECTORS.-Ransom B. Fuller, William R. Hedge, Calvin Austin, James W. Dunphy, Eugene P. Carver, Nathaniel J. Rust, Frank B. McQuesten, Donald M. Hill, Edw. E. Blodgett.

WESTERN DEPARTMENT.-A. D. Baker & Co., Lansing, Mich.

PACIFIC COAST DEPARTMENT.-Curtis & Bailey, San Francisco,_Cal.

WRITES. Fire, Marine, and Inland, Sprinkler Leakage, Tornado, Tourists' Baggage, Registered Mail and Automobile Insurance.

TERRITORY COVERED.-Me., N. H., Vt., Mass., R. I., Conn., N. Y., N. J., Del., Pa., Md., D. C., W. Va., N. C., La., Colo., Ill., Ind., Ia., Ky., Mich., Minn., Mo., Neb., N. D., Ohio, Okla., Wis., Cal., Ore., Wash.

The Old Colony was organized with a capital of $400,000 and a paid-in surplus of $200,000. The capital still remains at that figure, but the surplus has steadily gained until it is now $444,753. In April, 1909, a marine business was added, and subsequently tornado, tourists' baggage and automobile. The management is careful in its selection of risks, exercises due economy in the administration of the Company, meets losses with great promptness and with every regard for the consideration of its patrons, and has, in consequence, won an enviable place in the good opinion of the public. It is under the same control as the Boston Insurance Company, and the management is identical. Last year was one of the best in the history of the Company. The figures for its more important items follow, along with those for 1915 for sake of comparison: Admitted assets, at the close of 1916, $1,712,957-at the close of 1915 they were $1,494,540; surplus to policyholders, 1916, $844,753-1915, $832,369; net premium income, 1916, $910,029-1915, $742,101; total income, 1916, $968,985-1915, $794,589; reinsurance reserve, 1916, $607,230-1915, $544,617.. This fine record reflects great credit upon the management, and particularly when it is borne in mind that the ratio of management expenses to premiums last year was but slightly above 30%. The Old Colony is a good example of what may be accomplished by good judgment in underwriting and scrupulous care for the fulfillment of contractural obligations. It had its difficulties during the initial years of its corporate life, such problems as must always confront new companies, but they were courageously and successfully borne by President Ransom B. Fuller and his able associates; the fine success which these gentlemen have had with the Boston Insurance Company has been described under the name of the latter in this volume. Certainly, all friends of the Old Colony are entitled to feel enthusiasm over the bright future presaged in the satisfactory results of the work of recent years, and especially that of 1916.

ORIENT INSURANCE COMPANY, 20-22 Trinity street, Hartford, Conn. Organized 1867. OFFICERS.-Pres., A. G. McIlwaine, Jr.; V. Pres. and Sec., Henry W. Gray, Jr.; Asst. Secs., Charles F. Scholl, J. V. Fothergill, H. E. Burdette.

MANAGING UNDERWRITER AND EASTERN DEPARTMENT MANAGER.— A. G. McIlwaine, Jr.

WESTERN DEPARTMENT MANAGER.-Charles E. Dox, 39 So. La Salle street, Chicago, Ill.

PACIFIC COAST DEPARTMENT MANAGER.-S. B. Stoy, 332 Pine street, San Francisco, Cal. DIRECTORS.-A. G. McIlwaine, Jr., Henry W. Gray, Jr., J. V. Fothergill, Charles F. Scholl, F. W. P. Rutter, H. E. Burdette, E. E. Pearce, Chas. E. Dox, Sam. B. Stoy. WRITES.-Fire, Inland Marine, Tornado, Hail, Sprinkler Leakage and Tourist Baggage Insurance.

TERRITORY COVERED.-United States, except Alaska and Delaware.