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526 HISTORY OF THE BANKas they might think best. They appropriated it as thenucleus of a Widows' and Orphans' Fund, and during theintervening years by the accretion of interest, surpluses fromthe Officers' Life Insurance Scheme and certain other smallsums which became available from time to time, this fund hadgrown to about $6,000. The Officers' Life Insurance Schemehad been put into operation in May, 1894, at the same time asthe Pension Fund. The benefit provided was $1,000, payableon the death of any officer in the service. When a death tookplace, an assessment was made at the rate of $4 for each officerreceiving a salary of $1,000 or over, $3 for each officer receivingover $500 but under $1,000, and $2 for those in receipt of smallersalaries. The scheme was intended to embrace the whole staffhi active service, except such as had not been admitted to thePension Fund, but some opposition to it developing amongthe junior officers who had just entered the bank, arrangementswere made to exempt them, if desired, for one yearfrom the date of the confirmation of their appointments.A few years later this period of exemption was extended totwo or three years, as the officer might desire, and finally inApril, 1905, the Insurance Scheme was made to apply only toofficers in receipt of a salary of $300 or over, the usual <strong>com</strong>mencingsalary at that time being $250 for junior officersaway from home, and $200 for those at home. As the staffof the bank grew in number, so did the amount produced bythese assessments, so that by 1904 each assessment producedabout $2,000 in place of $1,000 as at the beginning. In thisway the nucleus of a permanent fund was formed, and thefollowing year, partly because of the occurrence of severaldeaths within a short space of time, and the consequentnecessity for making assessments at short intervals, it hadbeen decided in future to make the assessments quarterly.Accordingly, in 1910, when it became evident that anincrease in the rate of assessment would be necessary to providefunds for the pensions of widows and orphans, it was feltif the assessment for the Life Insurance Scheme werethat,
BANK DF COMMERCE!feNOTES OF THE CANADIAN BANK OF COMMERCE(See Appendix X.)PLATE No 73.
Page 7:
A HISTORYOFTHE CANADIAN BANKOF COMM
Page 11 and 12:
A HISTORYOFTHE CANADIAN BANKOF COMM
Page 13 and 14:
PREFACE[S volume closes at the end
Page 15:
PrefaceContentsIllustrationsCHAPTER
Page 18 and 19:
xILLUSTRATIONSPLATENO.FACINGPAGE25
Page 20 and 21:
XllILLUSTRATIONSNO.63 TCamloops, B.
Page 24 and 25:
IPLATtIHI Hov \\II.I.I\M M.MASTERFi
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2 HISTORY OF THE BANKbrought about
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4 HISTORY OF THE BANKthat, because
Page 30 and 31:
6 HISTORY OF THE BANKtain the usual
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THE CHARTER 7the Grand Trunk Railwa
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THE CHARTER 9proposed bank was to s
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THE CHARTER 11province or secured b
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THE CHARTER 13enterprise, perhaps t
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I'I.VTI-: No. |.rilAKLOTTKTCNYN. IV
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16 HISTORY OF THE BANKpresently be
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18 HISTORY OF THE BANKMontreal, or
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THE CHARTER 19financial and commerc
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THE CHARTER 21of London, 9 who had
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THE CHARTER 23many of them stand ve
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THE CHARTER 25drew on the Mancheste
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THE CHARTER 27Confederation, Mr. Ro
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THE CHARTER 29Company. It is signif
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THE CHARTER 31opposition that at ti
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THE CHARTER 33made its appearance,
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PLATE No. C.EDMONTON, ALTA.
Page 68 and 69:
36 HISTORY OF THE BANKarrival of Lo
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38 HISTORY OF THE BANKinto in Novem
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40 HISTORY OF THE BANKis certain, I
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42 HISTORY OF THE BANKlater he anno
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44 HISTORY OF THE BANKCanada banks,
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46 HISTORY OF THE BANKConservative
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CHAPTER II.1867 TO 1901.We may now
Page 85 and 86:
1867 TO 1901 51to open an account w
Page 87 and 88:
1867 TO 1901 53committee to select
Page 89:
-3* IX ;-- rii8111'l.ATK No. 7.
Page 92 and 93:
56 HISTORY OF THE BANKas scrutineer
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58 HISTORY OF THE BANKtime contribu
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60 HISTORY OF THE BANKeven terms wi
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62 HISTORY OF THE BANKwere $32,003,
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1867 TO 1901 63The opening of the N
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1867 TO 1901 65and bamboo wares, st
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I'l.VPK No. !).NEW YORK, X.Y.
Page 108 and 109:
68 HISTORY OF THE BANKwith Great Br
Page 110 and 111:
70 HISTORY OF THE BANKParkhill. Win
Page 112 and 113:
72 HISTORY OF THE BANKSaskatchewan
Page 114 and 115:
74 HISTORY OF THE BANKmoney. The Am
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76 HISTORY OF THE BANKelected to su
Page 118 and 119:
78 HISTORY OF THE BANKequalled. Alt
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80 HISTORY OF THE BANKThe minute bo
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82 HISTORY OF THE BANKcontaining $1
Page 125 and 126:
1867 TO 1901 83Dunclas branch, the
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1867 TO 1901 85sequences; on the ot
Page 129:
PLATE No. 11.us
Page 132 and 133:
88 HISTORY OF THE BANKGreat Britain
Page 134 and 135:
90 HISTORY OF THE BANKof the Provin
Page 136 and 137:
92 HISTORY OF THE BANKare quoted in
Page 138 and 139:
94 HISTORY OF THE BANKthe officers
Page 141 and 142:
1867 TO 1901 95front door of the of
Page 143 and 144:
1867 TO 1901 97Darling, 1president
Page 145:
( OUNKR OF KING AND JORDAN STREETS,
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100 HISTORY OF THE BANKsite was ere
Page 150 and 151:
102 HISTORY OF THE BANKpublic caree
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1867 TO 1901 103this examination ha
Page 155 and 156:
1867 TO 1901 105As a guide for the
Page 157 and 158:
1867 TO 1901 107chosen to succeed M
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1867 TO 1901 109January, 1887. Her
Page 161:
PLATE No. 15.REGINA, SASK.
Page 164 and 165:
112 HISTORY OF THE BANKIn his actio
Page 166 and 167:
114 HISTORY OF THE BANKby the death
Page 169 and 170:
1867 TO 1901 115stood to favour cha
Page 171 and 172:
1867 TO 1901 117James Stevenson 1of
Page 173 and 174:
1867 TO 1901 119Bank of Commerce at
Page 175 and 176:
1867 TO 1901 121shareholders that t
Page 177 and 178:
1867 TO 1901 123It will be evident
Page 179 and 180:
in conjunction with Mr. J. O. Bigel
Page 181 and 182:
1867 TO 1901 127wood, in British Co
Page 183 and 184:
These figures show the fresh life18
Page 185:
PLATE No. 17.SAN FRANCISCO, CAL.
Page 188 and 189:
132 HISTORY OF THE BANKtifii0094- -
Page 190 and 191:
134 HISTORY OF THE BANKDecember 6,
Page 193:
and Mr. W. E. H. Massey.11867 TO 19
Page 197 and 198:
CHAPTER III.THE YUKON ADVENTURE.Som
Page 199 and 200:
THE YUKON ADVENTURE 139them to hand
Page 201:
139 138 137* 135 134of Country betw
Page 204 and 205:
142 HISTORY OF THE BANKexploits of
Page 207 and 208:
THE YUKON ADVENTURE 143point at tid
Page 209 and 210:
THE YUKON ADVENTURE 145who had been
Page 211:
LAKE BENNETT, Y.T.The first Canadia
Page 214 and 215:
148 HISTORY OF THE BANKportage was
Page 216 and 217:
150 HISTORY OF THE BANKstrong curre
Page 219 and 220:
THE YUKON ADVENTURE 151with only an
Page 221 and 222:
the bank.THE YUKON ADVENTURE 153Whe
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THE YUKON ADVENTURE 155business, an
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THE YUKON ADVENTURE 157the whole tr
Page 227:
PLATE No. 24.
Page 230 and 231:
160 HISTORY OF THE BANKwould be pas
Page 232 and 233:
162 HISTORY OF THE BANKsacks of gol
Page 235 and 236:
THE YUKON ADVENTURE 163business tha
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THE YUKON ADVENTURE 165which has be
Page 240 and 241:
iThe firstI)A\YSO\, Y.T.Imilding er
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168 HISTORY OF THE BANKfrom twelve
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170 HISTORY OF THE BANKthemselves w
Page 246 and 247:
172 HISTORY OF THE BANKpayment of w
Page 248 and 249:
174 HISTORY OF THE BANKof which the
Page 251 and 252:
THE YUKON ADVENTURE 175ground. It w
Page 253 and 254:
THE YUKON ADVENTURE 177required, an
Page 255:
WINTER IN THE YUKON\O.SUMMER IN THE
Page 258 and 259:
180 HISTORY OF THE BANKby becoming
Page 260 and 261:
182 HISTORY OF THE BANKferent meals
Page 263 and 264:
THE YUKON ADVENTURE 183relief,was a
Page 265 and 266:
THE YUKON ADVENTURE 185had to be ma
Page 267 and 268:
THE YUKON ADVENTURE 187Early in the
Page 269 and 270:
THE YUKON ADVENTURE 189from losses
Page 271:
4PLATE No. 30.
Page 274 and 275:
192 HISTORY OF THE BANKThe hall was
Page 276 and 277:
194 HISTORY OF THE BANKthe bank's o
Page 279 and 280:
THE YUKON ADVENTURE 195"THE SPELL O
Page 281 and 282:
THE YUKON ADVENTURE 197And it's bet
Page 285 and 286:
CHAPTER IV.1901 TO 1914.The dawn of
Page 287 and 288:
1901 TO 1914 201Indian reservation
Page 289 and 290:
1901 TO 1914 203in the dry areas of
Page 291 and 292:
1901 TO 1914 205one first-class pas
Page 293:
C;.MAN.PLATE No. 3*.
Page 296 and 297:
208 HISTORY OF THE BANKThe rapid st
Page 298 and 299:
210 HISTORY OF THE BANKyouths in th
Page 301 and 302:
1901 TO 1914 211valued at $160 per
Page 303 and 304:
1901 TO 1914 213it had also branche
Page 305:
WOODSTOCK, ONT.
Page 308 and 309:
216 HISTORY OF THE BANKreasons for
Page 310 and 311:
218 HISTORY OF THE BANKrule was pro
Page 312 and 313:
220 HISTORY OF THE BANKin the devel
Page 314 and 315:
222 HISTORY OF THE BANKbut that 14,
Page 317 and 318:
1901 TO 1914 223selected for this p
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1901 TO 1914 225A few months later
Page 321:
I'LATK NO. :;
Page 324 and 325:
228 HISTORY OF THE BANKIt may be in
Page 326 and 327:
HISTORY OF THE BANKthe amount was a
Page 329 and 330:
1901 TO 1914placed a great strain o
Page 331 and 332:
1901 TO 1914 233It closed its doors
Page 333 and 334:
1901 TO 1914 35had been filled by t
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1901 TO 1914 237instructed that the
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;WINNIPEG, MAX., STAFFORD AND GROSV
Page 340 and 341:
240 HISTORY OF THE BANKaccept notes
Page 342:
242 HISTORY OF THE BANKyear the pra
Page 345 and 346:
1901 TO 1914 243were made by the ba
Page 347 and 348:
1901 TO 1914 245the bank opened rec
Page 349:
IJAIIKr|\1BK.UUKH ii|nin.Man>b ra B
Page 352 and 353:
248 HISTORY OF THE BANKdoors, or ha
Page 354 and 355:
250 HISTORY OF THE BANKIndications
Page 356 and 357:
252 HISTORY OF THE BANKin London fu
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254 HISTORY OF THE BANKFlumerfelt,
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1901 TO 1914 255Walker, which had o
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1901 TO 1914 257meeting to reduce t
Page 365:
PLATE No. 42.PORT ARTHUR, O\T.
Page 368 and 369:
260 HISTORY OF THE BANKpast in the
Page 370 and 371:
262 HISTORY OF THE BANKin which the
Page 373:
1901 TO 1914 263over fifty per cent
Page 376 and 377:
266 HISTORY OF THE BANKGetting clea
Page 378 and 379:
268 HISTORY OF THE BANKsilver, on t
Page 380 and 381:
270 HISTORY OF THE BANKcash book wo
Page 383 and 384:
THE ROMANCE OF BANKING 271At Langha
Page 385 and 386:
THE ROMANCE OF BANKING 273stood dur
Page 387:
THE BANK'S TEMPORARY OFFICE IX SOUT
Page 390 and 391:
276 HISTORY OF THE BANKfor him to m
Page 392 and 393:
278 HISTORY OF THE BANKdistance, or
Page 395 and 396:
THE ROMANCE OF BANKING 279town for
Page 397 and 398:
THE ROMANCE OF BANKING 281ready-mad
Page 399 and 400:
THE ROMANCE OF BANKING 283of a cust
Page 401 and 402:
THE ROMANCE OF BANKING 285in such a
Page 403:
ATLIN. B.C.First office of the hank
Page 406 and 407:
288 HISTORY OF THE BANKminer at a n
Page 408 and 409:
290 HISTORY OF THE BANKMr. Kains sa
Page 411 and 412:
THE ROMANCE OF BANKING 291walls fol
Page 413 and 414:
THE ROMANCE OF BANKING 293hatless,
Page 415:
3ilPLATE No. 49.
Page 418 and 419:
296 HISTORY OF THE BANKthe fire, th
Page 420 and 421:
298 HISTORY OF THE BANKa certain ki
Page 422 and 423:
300 HISTORY OF THE BANKscope. The b
Page 424 and 425:
302 HISTORY OP THE BANKhouse. Two o
Page 427 and 428:
THE ROMANCE OF BANKING 303the name
Page 429:
THE ROMANCE OF BANKING 305temporari
Page 434 and 435:
308 HISTORY OF THE BANKinsignifican
Page 436 and 437:
310 HISTORY OF THE BANKupon Russia
Page 439 and 440:
THE BANK DURING THE WAR 311reach hi
Page 441 and 442:
THE BANK DURING THE WARSISbranches.
Page 443 and 444:
THE BANK DURING THE WAR 315was impr
Page 445 and 446:
THE BANK DURING THE WAR 317given if
Page 447:
PLATE No. 52.
Page 450 and 451:
320 HISTORY OF THE BANKthe views of
Page 452 and 453:
322 HISTORY OF THE BANKto be reinst
Page 455 and 456:
THE BANK DURING THE WAR 323and gene
Page 457 and 458:
THE BANK DURING THE WAR 325was poss
Page 459 and 460:
THE BANK DURING THE WAR 3271914, an
Page 461 and 462:
THE BANK DURING THE WAR 329soon rea
Page 463 and 464:
THE BANK DURING THE WAR 331Fund, wh
Page 465 and 466:
THE BANK DURING THE WAR 333Despite
Page 467 and 468:
THE BANK DURING THE WAR 335ment to
Page 469 and 470:
THE BANK DURING THE WAR 337"The dir
Page 471:
FORT FRANCES, ONT.- - ..._. ...PLAT
Page 474 and 475:
340 HISTORY OF THE BANKcommon with
Page 476 and 477:
342 HISTORY OF THE BANKthe concurre
Page 478 and 479:
844 HISTORY OF THE BANKto New York.
Page 480 and 481:
346 HISTORY OF THE BANKvalue of the
Page 482 and 483:
848 HISTORY OF THE BANKDuchess of C
Page 484 and 485:
350 HISTORY OF THE BANKcheques in H
Page 486 and 487:
352 HISTORY OF THE BANKtaken up mil
Page 488 and 489:
354 HISTORY OF THE BANKGovernment.
Page 491 and 492:
THE BANK DURING THE WAR 355build up
Page 493 and 494:
THE BANK DURING THE WAR 357Consolid
Page 495 and 496:
THE BANK DURING THE WAR 359upon app
Page 497 and 498:
THE BANK DURING THE WAR 361ordered
Page 499 and 500:
THE BANK DURING THE WAR 363excellen
Page 501 and 502:
THE BANK DURING THE WAR 365Continen
Page 503 and 504:
THE BANK DURING THE WAR 367During t
Page 505 and 506:
THE BANK DURING THE WAR 369large ad
Page 507:
VANCOUVER. B.C.,KITSILANO BRANCHPLA
Page 510 and 511:
372 HISTORY OF THE BANKtotalling we
Page 512 and 513:
374 HISTORY OF THE BANKmovement, wh
Page 515 and 516:
THE BANK DURING THE WAR 375LL.D., D
Page 517 and 518:
THE BANK DURING THE WAR 377they ope
Page 519 and 520:
THE BANK DURING THE WAR 379a list o
Page 521 and 522:
THE BANK DURING THE WAR 381the ban
Page 523:
PLATE No. 58.
Page 526 and 527:
384 HISTORY OF THE BANKAll banks Th
Page 528 and 529:
386 HISTORY OF THE BANKreference, w
Page 531 and 532:
THE BANK DURING THE WAR 387ASSETS.G
Page 533 and 534:
CHAPTER VII.THE LEGISLATIVE DEVELOP
Page 535 and 536:
DEVELOPMENT OF CANADIAN BANKING 391
Page 537 and 538:
Page 539 and 540:
Page 541 and 542:
Page 543 and 544:
Page 545 and 546:
Page 547:
SMITH'S FALLS, ONT.BLENHEIM, ONT.FO
Page 550 and 551:
404 HISTORY OF THE BANKThe practica
Page 552 and 553:
406 HISTORY OF THE BANKAfter a virt
Page 554 and 555:
408 HISTORY OF THE BANKbe a branch
Page 556 and 557:
410 HISTORY OF THE BANKand hold suc
Page 558 and 559:
412 HISTORY OF THE BANKknown as "En
Page 560 and 561:
414 HISTORY OF THE BANKsecurities b
Page 562 and 563:
416 HISTORY OF THE BANKthe Quebec B
Page 564 and 565:
418 HISTORY OF THE BANKchartered ba
Page 567 and 568:
Page 569 and 570:
Page 571 and 572:
DEVELOPMENT OF CANADIAN BANKING 4*3
Page 573 and 574:
DEVELOPMENT OF CANADIAN BANKING 45w
Page 575 and 576:
Page 577 and 578:
Page 579 and 580:
Page 581 and 582:
Page 583:
THETFORD MINES, P.Q.DANVILLE. P.Q.F
Page 586 and 587:
436 HISTORY OF THE BANKgroups. The
Page 588 and 589:
438 HISTORY OF THE BANKthe people o
Page 590 and 591:
440 HISTORY OF THE BANKof the Ameri
Page 592 and 593:
442 HISTORY OF THE BANKif the Gover
Page 594 and 595:
444 HISTORY OF THE BANKspecie reser
Page 596 and 597:
446 HISTORY OF THE BANKand not spec
Page 598 and 599:
448 HISTORY OF THE BANKconcessions
Page 600 and 601:
450 HISTORY OF THE BANKwith the ban
Page 603 and 604:
Page 605 and 606:
Page 607 and 608:
Page 609 and 610:
Page 611 and 612:
Page 613 and 614:
Page 615 and 616:
Page 617 and 618:
Page 619:
STRATHROY, ONT.STRATFORD, ONT.ST. T
Page 622 and 623:
468 HISTORY OF THE BANKquarry were
Page 624 and 625:
470 HISTORY OF THE BANKof the Minis
Page 627:
Page 631 and 632:
APPENDIX I.DAWSON BRANCH.MEMORANDUM
Page 633 and 634:
DAWSON BRANCH 477C. List of clothin
Page 635:
S3\\SIO vS 1PLATE No. (JO.
Page 638 and 639:
APPENDIX III.MARINE INSURANCE DURIN
Page 640:
482 HISTORY OF THE BANK1. The movem
Page 643 and 644:
APPENDIX IV.THE BANK PREMISES DEPAR
Page 645 and 646:
THE BANK PREMISES DEPARTMENT 485whi
Page 647:
TORONTO, ONT.Bloor and Lippincott B
Page 650 and 651: 488 HISTORY OF THE BANKon a 4^ per
Page 652 and 653: 490 HISTORY OF THE BANK
Page 654 and 655: 492 HISTORY OF THE BANKmatters as t
Page 656 and 657: 494 HISTORY OF THE BANKMoose Jaw an
Page 659 and 660: THE BANK PREMISES DEPARTMENT 495cor
Page 661 and 662: THE BANK PREMISES DEPARTMENT 497by
Page 663: TORONTO, ONT.Archives Building.PLAT
Page 666 and 667: 500 HISTORY OFJTHE BANKinto conside
Page 668 and 669: 502 HISTORY OF THE BANKwhich had to
Page 671 and 672: THE ARCHIVES DEPARTMENT 503stories,
Page 673 and 674: THE ARCHIVES DEPARTMENT 505heavy pa
Page 675 and 676: THE STATIONERY DEPARTMENT 507The op
Page 677 and 678: APPENDIX VII.OFFICERS' GUARANTEE FU
Page 679: PLATE No. 7.NOTES OF THE CANADIAN B
Page 682 and 683: 512 HISTORY OF THE BANKto the point
Page 684 and 685: 514 HISTORY OF THE BANKlosses would
Page 687 and 688: OFFICERS' GUARANTEE FUND 515per ann
Page 689 and 690: APPENDIX VIII.THE PENSION FUND.It i
Page 691: NOTES OF THE CANADIAN BANK OF COMME
Page 694 and 695: 520 HISTORY OF THE BANKprovision th
Page 696 and 697: 522 HISTORY OF THE BANKto the Pensi
Page 698 and 699: 524 HISTORY OF THE BANKwere appoint
Page 703 and 704: THE PENSION FUND 527abolished, an i
Page 705 and 706: THE PENSION FUND 529quarterly asses
Page 707: .^No. 76.NOTES OF THE CANADIAN BANK
Page 710 and 711: 532 HISTORY OF THE BANKdistinguishi
Page 712 and 713: 534 HISTORY OF THE BANKthe Canadian
Page 715 and 716: THE BRANCH CLEARINGS SYSTEM 535to b
Page 717 and 718: THE BRANCH CLEARINGS SYSTEM 537of r
Page 719 and 720: THE BRANCH CLEARINGS SYSTEM 539entr
Page 721 and 722: THE BRANCH CLEARINGS SYSTEM 541were
Page 723: PLATE No. 78.
Page 726 and 727: 544 HISTORY OF THE BANKIn the follo
Page 728 and 729: 546 HISTORY OF THE BANKThe Hon. Geo
Page 731 and 732: NOTE ISSUES 547On only one occasion
Page 733 and 734: NOTE ISSUES 549notes which would be
Page 735: PLATE No. 80.
Page 738 and 739: 552 HISTORY OF THE BANKand other sy
Page 740 and 741: 554 HISTORY OF THE BANKSept. 19, 18
Page 742 and 743: APPENDIX XII.CHRONOLOGICAL LIST OF
Page 744 and 745: 558 HISTORY OF THE BANKFeb. 15, 189
Page 747 and 748: JulyCHRONOLOGICAL LIST OF BRANCHES
Page 749 and 750: CHRONOLOGICAL LIST OF BRANCHES 561O
Page 751:
PLATE No. 82.
Page 754 and 755:
564 HISTORY OF THE BANKMarch 15. 19
Page 756 and 757:
566 HISTORY OF THE BANKMarch
Page 759 and 760:
'CHRONOLOGICAL LIST OF BRANCHES 567
Page 761 and 762:
March 5, 1912CHRONOLOGICAL LIST OF
Page 763 and 764:
CHRONOLOGICAL LIST OF BRANCHES 571A
Page 765 and 766:
APPENDIX XIII.STATISTICS.
Page 767 and 768:
STATISTICS 575
Page 769:
PLATE No. 84.
Page 772 and 773:
TOH*.w t'
Page 774 and 775:
Tiff* *iTtiMr
Page 777 and 778:
s000250.GUARANTEEFUND,o.TOTALASSETS
Page 779 and 780:
PLATE No. 89.
Page 781 and 782:
TOTAl1868 1870 1875 i860 1885 1890$
Page 783 and 784:
BANKSMERCKFIERCE
Page 785 and 786:
Cl1868 1870 1875 1880 1885 1830 189
Page 788:
.1918234,983 ALL BANKS31,584 COMMER
Page 792 and 793:
578 HISTORY OF THE BANKBank Act of
Page 794 and 795:
580 HISTORY OF THE BANKBritish Gove
Page 796 and 797:
582 HISTORY OF THE BANKCanadian Ban
Page 798 and 799:
584 HISTORY OF THE BANKDallas, R. J
Page 800 and 801:
586 HISTORY OF THE BANKFraser, Pitb
Page 802 and 803:
588 HISTORY OF THE BANKIndian rupee
Page 804 and 805:
590 HISTORY OF THE BANKMerchants Ba
Page 806 and 807:
592 HISTORY OF THE BANKProvincial T
Page 808 and 809:
594 HISTORY OF THE BANKTaylor, John
Page 817:
BINDINGr ?T."^ 1PLEASE DO NOT REMOV
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