| Accumulation | 11,155,000 |
| Surplus, by New York standard, | 2,254,000 |
Cash surrender values. Policy incontestable after five years. Very liberal to insurers, embracing the non-forfeiture law of New York.
JAMES M. McLEAN, President.
J. L. Halsey, 1st Vice-Pres’t.
H. B. Stokes, 2d Vice-Pres’t.
H. Y. Wemple, Secretary.
S. N. Stebbins, Actuary.
OUR LITTLE ONES AND THE NURSERY