University of South Carolina Libraries
k> , P' .'; THE ' f AbbeviHe-Grcenwood JJDTDAL IN^U^AWtJE A$OClATM 5" ORGANIZED Dec. 5, 1892. ( . J* OFFICERS ** J. Fuller Lyon, President, Abbeville, S. C. J. R. Blake, Jr., Gen. Agent, Sec. & Treas., Abbeville, S. C directors j* J. ADD CALHOUN '...Ninety-Six, S. C S. M. BENJAMIN Quarry, S. C G. B. RILEY Kiley's, ?. L W. B. ACKER Donalds, S. C m M. B. CLINKSCALES Due West, S.[C W j T. L. HADDON , Due West, S. C i j J. W. SCOTT Verdery, S. C J JOSEPH LAKE Phoenix, S. C f J. W. LYON : Troy, S. C A. K. WATSON Lebannon, S. C I W. E. LESLEY Abbeville, S. C J. A. ANDERSON Antreville, S. C H. A. TENNANT Lowndesville, S. C A O PtRANT Mt. Carmel, S. C J. R. TARRANT Mt. Carmel. S. C IG. N. McKINNEY Bordeaux, S. C R. W. TOWNSEND Ninety-Six,*S. C. Advantages. ASSSOCIATION of the PEOPLE and for the PEOPLE. PROTECTS ISOLATED PROPERTY. NO SALARIED OFFICERS. NO LOSS-NO EXPENSE. Speedy Fair and Honorable Adjustment of all Losses. rs?i flMMtft whv vou should insure your ' Mm property with tl,e 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 exDense: 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 the company, for the company, and against you. You can read and understand the policy of this company. Few understand an average insurance policy. 6. Soeedv. fair and honorable adiust _ - -r j j * ment 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 into the ashes and says what is to be 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 i _r .r i i :~ui ...u? uuiupubeu ui menus <?nu iieigiiuuiu, wu<j will pay every dollar at which it was valued, and not be subject to thousand and one restrictions, imposed by other companies, more for their advantage 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 Insurance Association. BY-LAWS t TViie Accnriofmn ic nrcr^nr/pH fnf x. jl mo x lojvv/muua 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 2. All expenses shall be paid by pro j< f n o ccoccm onf r\( oil f Vi o nrr^riArf \7 Q Q- 7K f (tKt- aoovojuiv/llt VI ail tliv ^yiw^yoi tj "W w signed to the Association, and the mem- n bers of this Association shall be com- s posed of the owners of property assigned a thereto. 3. No apportiontment shall at any time be made, except it applies alike to all property insured by the Association, and no Officer or Director of the Associ- a O ation shall be held liable for any loss, " except to the extent of the pro rata \ share of his insured property. 4. This Association shall not, in case ' C of loss of property of the insured, claim any credit for stone, brick, or other in- #' destructible materials left after a fire; 11 ' I ! nor shall the Association claim any re! duction of insurance, for over-valuation ; . r ; of Agent, when this policy shall have ! been in force for six months, unless such ^ ' a reduction be made by an Agent or ; Director before said property is destroy- ^ ; ed or damaged. * 5. If, at any time, there shall be a I change of title or ownership of property* i the obligations of the insured and the 1 Association shall cease at once. a 6. The Association shall not be re- ir sponsible for any loss or damage to a property, if the insured has directly or a indirectly, or intentionally caused such loss or damage; nor shall the Associa- n tion be responsible for damages under d the amount of five dollars. A 7. The Association shall not be releas- n ed from any obligation in case of loss or ti damage, because of liens, mortgages, or defective titles to property ; but, when it h 0V10II <mno-)r flio* fViA incntvrl it; Tint thp t( OliaiJl HJiUk VtlV iiiwMtyv ?w ..w. ?... -rightful or legal owner of the property, ir then shall the insurance, or such part of r< same as may not belong to the insured, si be paid to the proper owner. 8. The territory of this Association shall be limited to the county lines of Abbeville and Greenwood Counties, and the property adjacent thereto. The ag C( gregate amount of insurance shall not exceed two million dollars. The General Agent shall collect one-half of one per cent, of the amount of insurance on all c< property entering the Association, of the a ft] nnrtv nr narties entering DroDertv. of f"" v "" xt ~ o jl x which three-fourths shall be paid to Directors and the remaining one-fourth to be expended as the Directors may 0 deem proper. All policies shall be signed by the President, General Agent Ui and the insured. officers. tj 9. The officers of this Association shall rr be a President and a General Agent who shall also be the Secretary and Treasurer, and one Director for each Township wherein there are members of this J1' 1 N Association. A i o. It shall be the duty of the President to preside over the meetings of the Asso- j3' ciation, and the Board of Directors, to 11 sign all policies, order all assessments through the Treasurer, order the pay- Sl ment of all claims and losses after they ai had been adjusted by the Director and K the General Agent, and, together with ^ the General Agent, he may compromise Sl or arbitrate disputed claims. When liti A ? - ~ 4-Viam V* a dr gclllUII lb Ulld.VUlUd.UlC, Ulcil lie, lugbLiiki with the General Agent shall conduct the ir suit for the Association. He may also, * in cases of emergency, perform the duties ^ of the General Agent, provided said Gen- a eral Agent is unable to discharge the same. A DUTIES OF GENERAL AGENT. O It shall be. the duty of the General I( Agent to: p I. Value all property, assisted by a s] Director, entering the Association, and ic to sign all policies with the President S( and the insured. jc II. He, or the proper Director, shall e] adjust all claims against and losses of s; the Association, and report same to Pres- {r ident. h III. He shall keep a record of all ^ annual meetings of the Association and all business meetings of the Directors. tj IV. He. shall notify any member whose policy may be in any way changed. V. In cases of emergency, he shall e perform the duties of, the President, pro- ^ vided the President be unable to attend to same. VI. He shall call a meeting of the 01 Board of Directors when demanded by s; three or more members thereof. VII. He shail cause by-laws, circucL lars, and policies to be printed, and such advertising matter as he may deem necessary, and to pay for the same upon the order of the President. e DUTIES OF TREASURER. r, ii. It shall be the duty of the Treas- v* urer to estimate the loss on all property if i insured, and apportion the same to each member who shall have notice by mail, h and h'old, sub- tl 2Ct to order of the President, all moneys ccruing from such assessment, and subiit a report of same to President. He hall also give a bond sufficient to cover ny assessment that may occur. DUTY OF DIRECTORS. 12. It shall be the duty of each Director to assist the General Agent in valuing 11 property entering the Association, and djustirrg all losses in their respective wnships. The Director may reduce hp value of anv Dropertv which he / A A W hinks is valued too highly,' and give the ieneral Agent notice of same, who shall educe the same on his books; but the isured may appeal to the Board of )irectors, whose decision shall be final. 13. The Board of Directors, with the 'resident as Chairman, and the General igent as Secretary shall constitute the legislative body of this Association, 'hey may make such by-laws, rules and egulations, as they find necfessary for lie good of the Association. . REPRESENTATIVES. 14. Each member shall have one vote, nd those having as much as $2,000 lsurance shall have two votes, and an dditional vote for each additional thous' I 1 3 11 J na aonars insuieu. 15. The Directors shall each have as lany votes as there are thousands of, ollars insurance in his township. The .gent shall determine from his books the umber of votes to which each is entled. 16. When the General Agent shall ave sent written notice to each Direc)r, stating the time and place of meetlg, then, if there be Directors present ^presenting fifty votes, they shall confute a quorum. TERM OF OFFICER. 17. The President, General Agent, reasurer, and Directors shall be elected y a majority vote of the members in Dnvention, and shall continue in office )r a period of one year. 18. Should the office of President beDme vacant, the General Agent shall call meeting of the Directors, who shall iect his successor. Should the office of reasurer become vacant, the President lall appoint his successor. Should the ffice of Director become vacant, the eneral Agent may appoint a substitute titil the next general election, which lall invariably occur annually. 19. The President or any officers of lis Association may be removed by a lajority vote of the members. PROPERTY INSURED. 20. No property should be taken for lore than three-fourths of its full value, o steam mill shall be insured, in this ssociation. If a gin house or other uildings be taken into this Association t which at intervals machinery is perated by steam, the insurance on ich building, or buildings adjacent [id endangered thereby, shall be reloved, so long as it is so operated ; ut such danger being removed from ich building, the policy shall again ecome intact. 21. No dwelling houses shall be taken 1 this Association less than 250 feet from le property of an neighbor, and no uilding shall be Insured for a larger mount than one thousand dollars, nor :ss than twenty-five dollars. 22. No building shall be taken into this ssociation within the limits of any town r city, unless said building be at least 00 feet from the property of a neighbor; rovided, in all cities the General Agent lall exercise his best judgment, always' joking to the best interests of the AsDciation; and when so advised by the >cal Director, he may take in any proprt\r 1 pcc than mn fppt whir.h he thinks is ife from fire by the burning of adjoinig buildings. Neither gins nor wareouses containing insured cotton shall be iken into this Association. 23. The General Agent may . take into lis Association dwellings, household oods, barns and out-buildings. In no ase shall household goods be insured, xcept within buildings insured in this ssociation. 24. Should any member desire to takei ?i.i. ru, I ui insurance on cuiloii ui any guuus sluid in buildings insured in this Association, aid goods being such as this Association oes not insure, then shall said member t once notify the General Agent or Disctor, who shall suspend both the insurnce and liability to assessment for the ime on such building, until said policy xpires, when the building shall again be sckoned in the Association as before, 'ithout additional charge to the owner, rlpcirprl 25. Any member may withdraw his or er property, or any portion of it, from y-' ' . " " /; ' ' - ' ' * . ^ against the same, and giving the General J A +Viirftr /I ittc' nn+ma /vf I rtgeill U1 i lCSIUtllU IUU Ijr UBJJ 11U11VW vri his intention prior to time, of withdrawal, j and the surrender of the policy for cancellation. Likewise, the Association may, ( through the Board of Directors, or in J accordance with the requirements of its c policy, remove any property they think i the interest -of the Association demands, 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. . i 26. No member shall, after insuring 1 property in this Association, take outaddi- , tional 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. 1 28. The General Agent may write pol- | icies to take effect at any time after time ( of insuring. 29. The General Agent shall furnish a fall 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, J not exceeding three months, nor less than 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 J 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 Association shall be held on the second Tuesday of January of each year, and the Board o^ Directors shall meet quarterly, or upon the call of the President. 33. The By-Laws of the Association may be changed or amended by a two- ^ thirds vote of the Directors at. any meet- " ing. 34. That every member of said corporation be and is hereby b<pund and obliged to pay his, her, or their portion of all losses | and expenses happening or accruing to i said corporation, and all buildings or other property insured by and with said cor- , Doration. together with the right, title JT ' w _ and interest of the assured to the lands on which such buildings or other property 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, 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. A Pleasant Word. Did you give one to the last person you mei|r If so, and that is your habit, you are to be congratulated, as are also all whom you meet. It is a delightful habit, and oDe which all can cultivate. The cost of pleasant words is little. Their value is great. Children are hungry for them. Weakness finds strength in them. They inspire hope. They live in an atmosphere of sunuiness and cheerfulness, and the befit such and atmosphere. They make old hearts young and sad hearts triad. They wipe tears away with a touch as gentle as the hand of an angel, and with a commanding voice they bid despondency begone ! Pleasant words are pleasant both to speak and to hear. They are neither coarse nor harsh. They do not have a metallic sound, but rhythmic and musical. They suggest in armnH th? none of birds anrl the laughter of cbildbood, and iu spirit the rays of Bunshine ( and zephyrs of nature's choicest summer days. They woo and lull, and soothe and charm. Their quality i9 balm their mission to heal. Blessed, tbrice blessed, pleasant words ! They are most truly spoken when to speak them is the habit of one's life. They are better spoken by force thau not at all, but their aroma is most fragraut when they are uttered with a spontaneity begotten of habit, aud when back of them lies a heart warm with the love of,' Jesus Christ. A Lost C'ouKcicnce. Many are making war against their con- , science, aud a lar^e number have conquered. |s A man would be called a fool if he were in a jl dark mine or cavern and blow out the only I light he had ; and the one who kills his con-L science is no wiser. When conscience rebukes, such a man suppresses it aud excuses and pal-'c liates his sin. Aud this is repeated day after j a day, until conscience is throttled become quiet. It is a dreadful condition for a mau to get into !a when he can do wroug aud not feel ashamed ;| to do an injustice and not know it. What is'j. wrong? That mau's conscience .was killed jfi and he attended not the funeral, because he knew it not; ueitner uia ue miss it, ueeause ue s had so little use for it. He who is truly good is truly great, though he be but the humblest hewer of wood aud rhe State of South Carolina, t ABBEVILLE COUNTY. PHOJJATE COURT. . - Vf?n? nMha Valuta nf A. .T. f!llnk. U LI JO HiObbCl ui niv --- ? . , scales, Deceased. Petition for Settlement aDd Discharge. 3ARAH C. Cllnkscales. Jaa. F. Gllnkscafea ^ and Jno. T. Cllnkscales, as Executors for aid Estate having applied for settlement and Uncharge. It is Ordered. That Tnesday, the fourth lay of April next be fixed for granting the el Ief prayed for. R. E. HILL, March 4,1899. Judge Probate Court. PpAfoaclnnnl IVAtiP.fi. Jk. JL \7JLV?k7AVJJk?WA DR. J. B. C. WRIGHT, Physician and Surgeon. f\FFrCE at residence, for tbe present, next ^ door to Mr. T. P. Quarles'. Diseases of ivomen aud children a specialty. Abbeville, S. C., Sept. 12,1898. | I Am Nic* I IN MY NEW QUARTERS, where I am prepared to look a kl* as well, if not better than ever bef Eg hope for better things all around ii tLM Good Goods, Living Prices, an lr* I will try to hold the OLD and |m| me a chance to help vou, as well a H THING, specially GROCERIES. ||J PHONE NO. 13. P. B. ? Druggist, - - H Complete and Selected Stock NONE BUT QUALIFII ALLOWED TO DISP i Full Line of Met anil House] ANIGHT CALLS ANSWERED 1 I J. Allen ? 35 [H^ WILL have \l/ HgjP A FULL stoc I Guano, Acic f MB. FRANCIS HEN! /ft FERTILIZERS FOR /R YEARS WILL LO W ^ BRANCH OF THE B JUST AURIV1 25 Gross R. R. ills! 10,000 Cigars. ^ o... n i r_. _i dox raper ana c.n\eiop' Fresh Drugs arriving evi . ' Call, HARRISON ^ Horses 9 $ * ^ FOR S, I STARK'S ^ One car load new stc \|a/ at prices that will sell tl ^ horses that I have taken Don't fail to see then fe JVf-t >t-? >t< >t-t >t> vfo >t< V H* /t* /fn /J* 'I-* Ull .?* NRW flSKflRTMRN' ??s~ iiju ix auuviiixujuii Afresh lot of flour, me^ GRITS. Call and see us before I CRACKERS?We have tlmt departn ve have been in business have we sold iome of our fine Tea Flake Crackers a sweet Crackers are up to date. KVRTTPS?Our line of Svruns are 11 iity. Cull and try some of our Georgia Among a lot of new goods just in am ;ase of Lobsters, Shrimp, Deviled Crab.' Liid Tongue. Also some nice Jellies an Our line of Pickles are up to date, bo weet. Call and try them before buyin Remember, we are headquarters fo Special price to parties buying by the b ;o around Three Days in each week?T Our line of Vegetables, Fruits, and C ee up when vou are in need of auvthin Yours to ] L. T. & T. I ^ *iTr 4 Hoi ? ? ... .;? The State of South CaroUaih " .... , COUNTY OP ABBEVILLE, ^ ^J3 PROBATE COURT, ' V ; ,^3 In the matter of tbe estate of Mary P. Wide . . mao, deceased. * %-"* ; , :j~y, Petition for Settlement and Discbarge. ;? JL. WIDEMAN, as- Administrator for[| said Estate bavlng applied for settle^' V' ment and discbarge. 3'i It is Ordered, Tbat Saturday, tbe 8tb day) f of April next, be fixed for granting th* t ? relief prayed for. R. E. HILL, S> I I March 4,1899. Judge Probate Coafy 'yf -f; I : ?A I ?, ? li'Sa C. C. GAMBRELL, M. D#<| Physician and Snrgeon, . 3 ABBEVILLE, 8. C., "jl %W Office Id the National Bank. May 25, 1898. tf 4'S A bottle of rose almond cream will keep your hands and lips from chapping, 10 and 26 cents, at Harrison & Game. 3ly Fixed~W d Close Attention to Business 22 br.Dg in NEW TRADE. Give " . % a myself, wben In teed of ANY- m PEED, w Abbeville, S. G. nf Pnra I)ratfs and taiak I ED ASSISTANTS / $ ENSE PRESCRIPTIONS. ^ Jg! 10m Articles at Reasonable Prices. PROMPTLY. Smith, Jr., | IN DUE TIME /j\ ii ujb "HP jj | : landKainittf \t M *Y, WHO HAS SOLD ^ t ' -.I A NUMBER OF % *'M OK AFTER THIS $ USINESS. . JR \J11lff Sweet Scotch jllulii ancj Maccaboy. Wacliinrr+nn Irvincr. es, all color and shapes, ery week. Give us a * . 4LE AT ' i.. Stable. | ?j 1 ck right from Tennessee, hem. Some mules and \I/ in at your price. /T* i before buying. /ft STARK. J J k vt-i >t-? >! ; >t-; >fc >t-> tk |?\ /f\ 7f\ H* /f\ /}\ *4' -ERS 1 r OF GROCERIES. ^ 1 iL, CORN, BACON, LARD, RICE, buying. aent now in great shape. Never since so many crackers as now. Call and try ind Block's Fine Sodas. Our line of ot to be surpassed by anything in the Cane Syrups. They are very fine. 1 to arrive iu a few days, we mention a *, Corned Beef, Roast Beef, Potted Ham id Syrup in 3 lb. cans. Try them. th in bottles and bulk; both sour and g. r KEROSENE OIL in any quantity. arrel. Our Oil Wagon will continue to uesdays, Thursdays and Saturdays, onfectionaries are up to date. Call and g in the Grocery line. >lease, VI. MILLER, el ' * j