Historical Newspapers of South Carolina

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ft' ": >r : ? f THE X 1.L/L/V v w www iqDTUAL IM^ANCE ASSOCIATION. ORGANIZED Dec. 5, 1892. u* OFFICERS & J. Fuller Lyon, President, Abbeville. S. C. J. R. Blake, Jr., Gen. Agent, Sec. & Treas., Abbeville, S. C DIRECTORS w* J. ADD CALHOUN Ninety-Six, S. C S. M. BENJAMIN , Quarry, S. C G. B. RILEY Riley's, S. C W. B. ACKER Donalds, S. C M. B. CLINKSCALES Uue west, t! L. HADDON Due West. S. C J. W. SCOTT.: Verdery, S. C JOSEPH T.AKF, Phoenix, S. C J. W. LYON Troy, S. C A. K. WATSON Lebannon, S. C W. E. LESLEY Abbeville, S. C J. A. ANDERSON Antreville, S. C H. A. TENNANT Lowndesville, S. C A. O. GRANT Mt. Carmel, S. C J. R. TARRANT Mt. Carmel. S. C G. N. McEINNEY Bordeaux, S. C R. W. TOWNSEND Ninety-Six, -S. C. A J a. ^ Auvania^w. ASSSOCIATION of the PEOPLE and for the PEOPLE. PROTECTS ISOLATED PROPERTY. NO SALARIED OFFICERS. 1 NO LOSS?NO EXPENSE. Speedy Fair aod Honorable Adjustment of all Losses. M A flMffl y?u should insure your H K A yy nj N property with the AbbevilleGreenwood Mutual Insurance Association. 1. It is an Association of the people, for the people and by the people, and we have thoroughly demonstrated that mutual insurance is practicable for and by homefolks. 2. This Association insures against "fire and lightning, cyclones, tornadoes and wind storms," while capital companies insure against fire. 3. This Association has half a million dollars of property insured, and since its organization has paid thirteen thousand dollars of losses, at an average annual assessment of one-half of one per cent., one-fifth of the cost of other companies, and not in a single instance has it resorted to the aid of the Courts to collect an assessment or to adjust a loss. 4. By this plan you pay for the protection you have enjoyed in the past, and if there is no loss, there is no expense; while in other companies you pay in advance for protection you expect to get, though may not get except paid for dearly by legal proceedings. 5. This plan is a contract between neighbors; while in other companies you enter into a contract written by ' .1 j the company, lor tne company, ana against you. You can read and understand the policy of this company. Few understand an average insurance policy. 6. Speedy, fair and honorable adjustment of all losses of property are made at assessed valuation when insured, with no three-fourths clause attached. The man who values your property is your neighbor, who also adjusts your loss ; while in other companies, when you sustain a loss, a stranger comes and looks intn aclipc anrJ cpvq what is to hfi paid you. 7. You can with small expense insure against fire,'wind and storm, while a fire policy is about all you can afford in the old companies. You can enjoy the satisfaction of knowing that if your dwelling is burned, it is insured in an Association composed of friends and neighbors, who will pay every dollar at which it was valued, and not be subject to thousand and one restrictions, imposed by other rnmnanipc mnrp fnr thpir arlvantapp than for the protection of the insured. The money paid out is kept at home, and every dollar goes to the looser of property, which means the upbuilding of your own county. 8. Don't wait to be burned out and become a burden to your friends by having them beg for you, when absolute protection is yours by casting in your mite. Demonstration is a fact, and co-operation is your duty. Therefore, at once insure in the Abbeville-Greenwood Mutual t a : _ i: lllSUicillUC ribbULIclLlUIl. BY-LAWS I. This Association is organized for the sole purpose of protecting its members in cases of loss of property by "fire and lightning, cyclones, tornadoes, or wind storms," and shall be known as the "Abbeville-Greenwood Mutual Insurance Association." ?.iv . . ' .. . ? r 2. All expenses shall be paid by pr rata assessment of all the property as signed to the Association, and the mem bers of this Association shall be com posed of the owners of property assignee thereto. 3. No apportiontment shall at an time be made, except it applies alike t all property insured by the Association and no Officer or Director of the Associ ation shall be held liable for any loss except to the extent of the pro rah share of his insured property. 4- This Association shall not, in cas of loss of property of the insured, clain any credit for stone, brick, or other in destructible materials left after a fire nor shall the Association claim any re duction of insurance, for over-valuatioi of Agent, when this policy shall hav been in force for six months, unless sucl a reduction be made by an Agent o Director before said property is destroy ed or damaged. 5. If, at any time, there shall be i change of title or ownership of property the obligations of the insured and th Association shall cease at once. 6. The Association shall not be re sponsible for any loss or damage ti property, if the insured has directly o indirectly, or intentionally caused sucl loss or damage; nor shall the Associa tion be responsible for damages unde the amount of five dollars. 7. The Association shall not be releas ed from any obligation in case of loss o damage, because of liens, mortgages, 0 defective titles to property ; but, when i shall appear that the insured is not th< rightful or legal owner of the property then shall the insurance, or such part 0 same as may not belong to the insured be paid to the proper owner. 8. The territory of this Associatioi shall be limited to the county lines 0 Abbeville and Greenwood Counties, am the property adjacent thereto. The ag f _ i_ _ 11 gregate amount 01 insurance snan no exceed two million dollars. The Genera Agent shall collect one-half of one pe cent, of the amount of insurance on al property entering the Association, of thi party or parties entering property, o which three-fourths shall be paid t< Directors and the remaining one-fourtl to be expended as the Directors ma; deem proper. All policies shall bi signed by the President, General Agen and the insured. OFFICERS. 9. The officers of this Association sha] be a President and a General Agent whi shall also be the Secretary and Treas urer, and one Director for each Town ship wherein there are members of thi Association. I o. It shall be the duty of the Presiden to preside over the meetings of the Asso ciation, and the Board of Directors, ti sign all policies, order all assessment through the Treasurer, order the pay ment of all claims and losses after the; had been adjusted by the Director am 1 A l ?,;+i Lilt: VJCI1CI <11 ngcui, cuiu, lugcmu Yrii.j the General Agent, he may compromis or arbitrate disputed claims. When liti gation is unavoidable, then he, togethe with the General Agent shall conduct th suit for the Association. He may also in cases of emergency, perform the dutie of the General Agent, provided said Gen eral Agent is unable to discharge th same. DUTIES OF GENERAL AGENT. It shall be the duty of the Genera Agent to: I. Value all property, assisted by ; Director, entering the Association, am J to sign all policies with the Presiden and the insured. II. He, or the proper Director, shal adjust all claims against and losses c the Association, and report same to Pres ident. III. He shall keep a record of al annual meetings of the Association ani all business meetings of the Directors. IV. He shall notify any ?membe whose policy may be in any way changed V. In cases of emergency, he sha] perform the duties of the President, pro vided the President be unable to attem to same. VI. He shall call a meeting of th Board of Directors when demanded b; three or more members thereof. VII. He shail cause by-laws, circu lars, and policies to be printed, and sue] advertising matter as he may deer necessary, and to pay for the same upoi tfiA orHpr r>f flip President. DUTIES OF TREASURER. ii. It shall be the duty of the Treas urer to estimate the loss on all propert insured, and apportion the same to eac! member who shall have notice by mail He shall receive, recept, and hold, sub 1 o ject to order of the President, all moneys - accruing from such assessment, and sub mit a report of same to President. He - shall also g*ve a bond sufficient to cover d any assessment that may occur. DUTY OF DIRECTORS. y 12. It shall be the duty of each Director to assist the General Agent in valuing all property entering the Association, and adjusting all losses in #their respective Unmnlimt. Tlio niro^tnr mav rpHlirp ^ LUWilSIlipo. xxiv- A/UVV/W4 the value of any property which he e thinks is valued too highly, and give the Q General Agent notice of same, who shall reduce the same on his books; but the insured may appeal to the Board of Directors, whose decision shall be final. -13. The Board of Directors, with the n J President as Chairman, and the General e ^ Agent as Secretary shall constitute the Legislative body of this Association. They may make such by-laws, rules and regulations, as they find necessary for the good of the Association. a REPRESENTATIVES. } e 14. Each member shall have one vote, and those having as much as $2,000 - insurance shall have two votes, and an d additional vote for each additional thousr and dollars insured. 1 15. The Directors shall each have as - many votes as there are thousands of r dollars insurance in his township. The Agent shall determine from his books the - number of votes to which each' is enr titled. r 16. When the General Agent shall t have sent written notice to each Direc= +/-?r c^ofinor timp anfi nlar.e nf meet-1 O IVI) blAV V> v. , ing, then, if there be Directors present f representing fifty votes, they shall con, stitute a quorum. TERM OF OFFICER. J 17. The President, General Agent, ^ Treasurer, and Directors shall be elected by a majority vote of the members in t convention, and shall continue in office j for a period of one year. 18. Should the office of President be <' 1 A i _L_11 11 I come vacant, me uenerai /igexii &11U.11 ^u.n a meeting of the Directors, who shall ? elect his successor. Should the office of Treasurer become vacant, the President D ' ^ shall appoint his successor. Should the office of Director become vacant, the \f e General Agent may appoint a substitute t until the next general election, which shall invariably occur annually. 19. The President or any officers of this Association may be removed by a .1 majority vote of the members. 3 PROPERTY INSURED. 20. No property should be taken for more than three-fourths of its full value. s No steam mill shall be insured in this t Association. If a gin house or other buildings be taken into this Association 3 in which at intervals machinery is operated by steam, the insurance, on such building, or buildings adjacent y and endangered thereby, shall be re^ moved, so long as it is so operated ; ^ but such danger being removed from such building, the policy shall again become intact. 21. No dwelling houses shall be taken in this Association less than 250 feet from * r J tne property 01 an neigiiuur, cuiu iiu g building shall be Insured for a larger amount than one thousand dollars, nor less than twenty-five dollars. 22. No building shall be taken into this Association within the limits of any town or city, unless said building be at least ioo feet from the property of a neighbor; provided, in all cities the General Agent a shall exercise his best judgment, always ^ looking to the best interests of the As* sociation; and when so advised by the local Director, he may take in any property less than ioo feet which he thinks is 11 safe from fire by the burning of adjoin-1 ing buildings. Neither gins nor warehouses containing insured cotton shall be ^ taken into this Association. 23. The General Agent may take into this Association dwellings, household goods, barns and out-buildings. In no ,j case shall household goods be insured, except within buildings insured in this Association. 24. Should any member desire to take out insurance on cotton or any goods stored in buildings insured in this Association, ^ said goods being such as this Association does not insure, then shall said member ^ at once notify the General Agent or Director, who shall suspend both the insurance and liability to assessment for the Knilrli'nrr until Cil id DollCV bcllllC UII dUV^U L/UUUllI^, UUbU J J expires, when the building shall again be reckoned in the Association as before, i_ without additional charge to the owner, y if desired. h 25. Any member may withdraw his or . her property, or any portion of it, from 1- this Association by paying all assessments y t / j V- ; : -W-:; comio onrl rrnMnrr fV, a rinnoro 1 I CLgtHUdL Lilt oanig, CLii\j. viug i&jv* uwiiwiai Agent or President thirty days' notice of his intention prior to time of withdrawal, and the surrender of the policy for cancellation. Likewise, the Association may, through the Board of Directors, or in accordance with the requirements of its policy, remove any property they think inJoroct r>( t h <=> Accnoiatinn HpmanH? Lilts llll^i^Jb VA Hiv> 4AUUWmbivit by giving the insured thirty days' notice prior to time of withdrawal, but both the Association and the insured shall be bound until noon of the 30th day from date of notice. 26. No member shall, after insuring property in this Association, take out additional insurance in another company, without the written consent of both President and the General Agent of this Association. Nor shall the contents of any building be insured in another company, without the written consent of both the President and the General Agent. Such violations shall cancel liabilities in this Association. 27. The General Agent may reduce the insurance on any property, but may not, except as herein provided, remove property. 28. The General Agent may write policies to take effect at any time after time of insuring. 29. The General Agent shall furnish a full list of all members, and the insured property in each township, to the Director of that township. 30. Should the Directors at any time see cause to extend the period for collecting an assessment, they can extend the time, ' ? not exceeding inree monuis, nui icaa man thirty days. Should a policy-holder fail to pay an assessment within thirty days, then the policy upon which said assessment is due shall stand suspended, and legal proceedings may be instituted to collect the assessment and all cost thereon. 31. All property insured in this Association shall be re-assessed every four years by a Board composed of the township Director as chairman, and two stockholders of the township who shall be appointed by the General Agent. 32. The annual meeting of the policy holders of this Associatipn shall be held on the second Tuesday of January of each) year, and the Board of Directors shall meet quarterly, or upon the call of the President. 33. The By-Law? of the Association may be changed or amended by a twothirds vote of the Directors at any meeting. 34. That every member of said corporation be and is hereby bound and obliged to pay his, her, or their portion of all losses and expenses happening or accruing to said corporation, and all buildings or other property insured by and with said corporation, together with the right, title and interest of the assured to the lands ' ' 1 1 -1 J! _i.l on wmcn sucn Dunuings ox umci ty may stand, shall be pledged to the said corporation and the said corporation shall have a lien thereon against the assured, hir or her heirs, representatives and assigns, during the continuance of their insurance, as to all debts and liabilities contracted or incurred by said corporation, t \ as provided by Act of Legislature, Approved March 9, 1896. 35. Policy-holders are bound by this policy and the By-Laws of this Association. The Debt of Honor. Every son when h6 goes away rrom nome carries with him the honor of the home to which the belongs, and he may either enhance or dissipate it. If he does well his success is doubled, for it is not only an ornament to himself, but a crown of honor to his parents. There is nothing in this world more touching than the pride of a father or mother in u son's success. Many a student, in the rivalries of academic life, is thinking about this more than anything else, and on the day when he is being applauded by hundreds he is thinking chiefly of hearts faraway that are glorifying in bi9 hjnor. In the battles of life in a city like thif, there are multitudes doing their best, living laborious days, shaking off the tempter and keeping straight in the middle of the nar|row way, for the sake of those far off whose I hearts will De cneereu Dy meir weu-uuiug, auu would be broken by their ill-doing. I ao not [ think there i9 a sight more touching?certainj Jy there is not one that touches me more?than ' when a youth, who ha9 been away in another city or in a foreign land, and bears in his face and demeanor takens of his well-doing, comes back some Sabbath to the church in which bis boyhood has been spent, and sits again side by jBide with the proud hearts that love him. 'Where is there a disappointment so keen, or a disgrace so poignant, as he inflicts who comes not back because he dare not, having in the foreign land, or the distant city, soiled his good name, ana ronea me nouor 01 ms uome in the dust? Gen. Jno. Eaton, formerly United States Commissioner of Education, has been appointed Superintendent of Public Schools in I'orto Rico. He proposes to take 50 or 60 teachers from this couutry with him to introduce our methods and discipline in the schools of our West Indian dependency. Geo. T. Angell wants it understood that wars can be slopped by the Christian Church. Posibly;butas a means to that end the churches must stop warring between themselves. It is stated that a large wool-pulp paper mill is soon to be established in Columbia, S. C., by the Amoskeag Paper Co., of Manchester, N. H. I f I V \ *;?i!?: 9* * lM -m- -A -m-T ' _ -* n i ^m ixiceiy I IN MY NEW QUARTERS, NO: |M( where I am prepared to look after tb< K* as well, if not better than ever before, 'i hope for better things all around in '99. |0i Good Goods, Living Prices, and Clos I will try to bold the OLD and bring |Uf me a chance to help yon, as 'well as myse jU THING, specially GROCERIES. |H| PHONE NO. 13. -AN. ' IJ.Allen S12 X jBKkj WILL HAVE IN di X A FULL STOCK OF 4 Guano, Acid a I S MR. FRANCIS HENRY, W O FERTILIZERS FOR A (} YEARS WILL LOOK Jj BRANCH OF THE BUSINI ilill The best remedy for Mites Horses, Cattle or Plants Price 10 and 25c per b< Milford & DuPre's ^ Drug, Seed and 1 RIDE YOUR B C. P. HAM Can sell you any kind of BICYCLE you \ Columbias, Hartford: Ideals, Vinkings 'My line is complete and all I ask is a trial. BICYCLE SUNDRIES. My specialty tl Clipper CKAINLE8S WHEELS. C P. I JOHN W. Undertaker and ] DEALER II Coffins, Caskets and Withal! the appliances for embalming, experience in this line ensures satisfaction an I a mwm 9 mey ? w oman I Know js always it is only A trade witl cause" th Hood goods exa and alwa ? his selecti Thing ! When ' A w /I 4-Vl AN VNM auu me pi They ! like for yo this year c j that you \ See my regula after. Ik Come and quarters,! and get m r ays give you a Them For Buying Will ^ ^ , d ! R. C. ^ Uair ^ 1 fXJ Phone 109. YOU. WILL DELIVER GOODS I \A"-. ? * r: 5 WHITE'S BLOCK,\^ 3 Interest of my customers, iM )8 was a tough one, but we KB By means or M-. e Attention to Business Bf in NEW TRADE. Give |j| If, when In need of ANY- |M LOS B. HORSE. I A SUk lith, Jr., W JE TIME ijagc Jfk I I w si nd Kainit HO.TTAS ROLD W NtJMBER OF ? ] AFTER THIS $ tei to fa. on Poultry, Lice on ;"M , Fleas on Dogs. 3 )x. For sale at , Phone 107 -j 3ook Store , M ICYCLES! j IMOND 1 visb. See hid list and see him. V c DamhWc 1 Clippers. |p bis season is the Columbia aod ... lammond. SIGN, K A A A A m Embalmer. ST ? ' "nS Metallic Cases, U / Thirty-three years of business . j d guarantees the best results. s Reason | 9 a good one, even if "Because." They 1R. C. Wilson "beey always find his fx J UltJ A WWWM ys fresh, and then on vi A'r v '^ll ices right. I would u to give me a trial and I am satisfied pill be found among ir customers tiierei see me in my new , 1 No.- 6 Hotel Block, y prices and I will M , good reason 1 From Wilson, ^ ^ * w i r?i fNo. o notei oiotK. anywhere in the city.