or occupation, the corporation will pay for the period of such disability, not exceeding thirty consecutive weeks, an indemnity per week at one-half the rate specified in paragraph A of Part II. Payment of indemnity under this section shall be in lieu of all other indemnity except that accruing under Part III.

PART III. REGISTRATION AND IDENTIFICATION.-If the insured shall, by reason of such injury, be rendered physically unable to communicate with friends, the corporation upon receipt of telegraphic or other message giving the number of this policy, will immediately transmit to his relatives or friends any information respecting him and will defray all necessary expenses (not exceeding twenty dollars for each five dollars weekly indemnity for total loss of time) to put the insured in care of friends.

PART IV. RETURN PREMIUM AGREEMENT.-If premiums on this policy are paid annually in advance, the corporation agrees, in case of loss of life of the insured within the meaning and intent of this policy, to return to the beneficiary named all premiums so paid. FOR STANDARD PROVISIONS SEE PAGE 11.

OTHER PROVISIONS.

21. No assignment of interest under this policy shall bind the corporation unless consent thereto is formally endorsed hereon by an executive officer of the corporation. A copy of any assignment must be given within thirty days, to the corporation which shall not be responsible for its validity.

22. This policy does not cover disability sustained outside of the limits of the United States, Canada and Europe or in Alaska or the insular possessions of the United States, or while engaged in military or naval service.

23. The insurance hereunder shall not cover any injury, fatal or non-fatal, sustained by the insured while participating in or in consequence of having participated in any form of aeronautics, or which shall result directly or indirectly from ptomaines.

24. The copy of the application endorsed hereon is hereby made a part of this contract. 25. No provision of the charter, constitution or by-laws of the corporation shall avoid this policy or be used in defense of any claim arising under this policy.

26. This policy is issued for the term stated in the insuring clause, but it may be renewed subject to all the conditions of the policy contract from term to term upon the advanced payment of the premium stated.

In witness whereof,the General Accident, Fire and Life Assurance Corporation, Ltd., has caused this policy to be signed by its United States manager, but the same shall not be binding upon the corporation until countersigned by a duly authorized representative of the corporation.

POLICY FORM-"COMPLETE DISABILITY."

PRINCIPAL SUM, $7500-$15,000.

WEEKLY INDEMNITY, $25-$50. ANNUAL PREMIUM, $60.

General Accident, Fire and Life Assurance Corporation, Ltd. of Perth, Scotland (herein called the corporation), in consideration of the premium of sixty dollars, and the statements in the application for this policy, a copy of which is endorsed hereon and made part hereof, and subject to the provisions and limitations hereinafter expressed, does hereby insure John Doe, occupation attorney (herein called the insured) for the term of twelve months, beginning on the first day of November, 1914, at twelve o'clock noon, standard time, at the insured's place of residence, against bodily injuries, effected directly and independently of all other causes through accidental means (excluding suicide, sane or insane, or any attempt thereat, sane or insane) and against disability by sickness as specified in the following schedules:

PART I. ACCIDENT INDEMNITIES-DEATH, DISMEMBERMENT AND LOSS OF SIGHT.-If any one of the losses enumerated below shall result from such injuries alone, within ninety days from the date of accident, the corporation will pay the sum specified opposite such loss and in addition the weekly indemnity, as provided in Part II, for total disability, from the date of the accident to the date of death, dismemberment or loss of sight; or, if such injuries shall, independently and exclusively of all other causes, immediately, wholly and continuously disable and prevent the insured from performing any and every kind of duty pertaining to his occupation, and shall at any time during the period of such continuous disability result in any one of the losses enumerated below, the corporation will pay the sum specified opposite such loss and in addition,weekly indemnity as provided in Part II for total disability, to the date of death, dis memberment or loss of sight, provided that not more than one such loss shall be payable as the result of any one accident.

PAYMENTS IN ONE SUM, FOR LOSS OF life, or both hands by severance at or above the wrist, or both feet by severance at or above the ankle, or one hand at or above the wrist and one foot at or above the ankle (by severance) or entire sight of both eyes irrecoverably lost, or either hand by severance at or above the wrist and entire sight of one eye if irrecoverably lost, or either foot by severance at or above the ankle and entire sight of one eye if irrecoverably lost, the principal sum. Either hand by severance at or

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above the wrist, or either foot by severance at or above the ankle, or entire sight of one eye irrecoverably lost, one-half of principal sum, or thumb and index finger of either hand by severance at or above metacarpo-phalangeal joints, one-third of principal sum. The payment of any one such loss shall end this policy.

In the event of death the principal sum insured shall, as hereinafter provided, be paid to Mary Doe (the beneficiary), whose relationship to the insured is that of wife.

PART II. WEEKLY INDEMNITY-TOTAL DISABILITY.-If such injuries do not result in any one of the losses enumerated in Part I, but shall immediately, wholly and continuously disable and prevent the insured from performing any and every duty pertaining to his occupation, the corporation will pay for the entire period of such total disability weekly indemnity at the rate of twenty-five dollars ($25) per week.

PARTIAL DISABILITY.-If such injuries result in immediate and continuous partial disability from date of accident, or from the termination of total disability, the corporation will pay for such partial disability for a period not exceeding fifty-two (52) consecutive weeks, as follows:

For the period during which the insured is totally disabled for three-quarters of his business time, weekly indemnity at the rate of three-fourths of the amount payable for total disability.

For the period during which the insured is unable to perform any important duty pertaining to his occupation, weekly indemnity at the rate of one-half of the amount payable for total disability.

For the period during which the insured is not entitled to benefits under either of the preceding sections and during which he is unable to fully perform all of the work pertaining to his occupation, weekly indemnity at the rate of one-fourth of the amount payable for total disability.

PART III. DOUBLE BENEFITS -Any amount which may become payable under Parts I, II and IV shall be double the sum specified therein if such injuries are sustained by the insured, (1) while a passenger in or on any regular passenger conveyance provided by a common carrier (including the platform steps or running-board thereof); (2) or, while a passenger in a passenger elevator (excluding elevators in mines); (3) or, in consequence of being struck by lightning; (4) or, caused by the burning of a building in which the insured may be at the commencement of the fire; (5) or, caused by the collapse of a building while the insured is therein; (6) or, caused by the explosion of a steam boiler; (7) or, caused by a cyclone, tornado or earthquake.

PART IV. FIXED INDEMNITIES FOR SPECIFIC INJURIES WHEN DESIRED.-If the insured shall suffer a non-fatal injury, specified in the following schedule of fixed indemnities, he may, subject to all the provisions and limitations of this policy, elect to receive, in lieu of any weekly indemnity provided under Part II, the sum specified opposite such injury in said schedule, provided the insured signifies his choice within twenty days from the date of an injury for which claim is made under this policy.

SCHEDULE OF FIXED INDEMNITIES.-If the original single weekly indemnity payable under Part II of this policy for total disability is $25 the following amounts will be paid. If said weekly indemnity is greater or less than $25 the amounts to be paid shall be increased or reduced proportionately.

FOR THE COMPLETE FRACTURE OF BONES. Of the skull, both tables, $350; lower jaw, $75; collar bone, $165; pelvis, $350; thigh, $350; leg, $200; kneecap, $215; arm, between elbow and shoulder, $300; arm, between wrist and elbow, $165; two or more ribs, $115; foot other than toes, $125; hand other than fingers, $125; two or more toes, $100; two or more fingers, $100.

FOR LOSS. Of one or more fingers, at least one entire phalanx, $160; one or more entire toes, $200.

FOR COMPLETE HERNIA.-Caused solely and directly by accidental injury, $80.

FOR A COMPLETE DISLOCATION.-Of the spine or neck, $300; shoulder, $125; elbow, $115; wrist, $140; hip, $315; knee. $175; any bones other than toes, $160; ankle, $175; two or more toes, $65; two or more fingers, $65; jaw, $65; two or more bones of the hand, not fingers, $50.

Provided, however, that no claim for more than one of the losses in said schedule, the result of any one accident, shall be valid.

PART V. SUNSTROKE, FREEZING, HYDROPHOBIA, ASPHYXIATION.-Sunstroke, freezing, hydrophobia or asphyxiation, suffered through accidental means (excluding suicide, sane or insane, or any attempt thereat (sane or insane) shall be deemed a bodily injury within the meaning of this policy.

PART VI. BLOOD POISONING OR SEPTIC INFECTION.-Blood poisoning or septic infection, resulting directly from a bodily injury, shall be deemed to be included in said term "bodily injury."

PART VII. PHYSICIANS' BILLS FOR INJURIES NOT CAUSING DISABILITY.-If such injury does not result in a loss specified herein, but requires treatment of the insured by a physician, the corporation, upon satisfactory proof from the physician in attendance, will reimburse the insured for the cost thereof, not to exceed one week's single indemnity as provided under Part II for total disability.

PART VIII. RETURN PREMIUM AGREEMENT.-If premiums on this policy are paid annually in advance, the corporation agrees, in case of loss of life of the insured within the meaning and intent of this policy, to return to the beneficiary named all premiums so paid.

PART IX. SICKNESS INDEMNITIES-WEEKLY INDEMNITY-TOTAL DISABILITY.—If the insured shall, independently of all other causes, be wholly disabled and prevented by sickness from performing any and every kind of duty pertaining to his occupation, the corporation will pay the weekly indemnity provided under Part II for total disability. PARTIAL DISABILITY.-For the period following any period of total disability, during which the insured is not totally disabled, but suffers a material loss of his business time, which shall be deemed partial disability, the corporation will pay weekly indemnity at

the rate of one-half of the amount paid for total disability. Weekly indemnity on account of sickness, total and partial disability combined, will not be paid in excess of fifty-two consecutive weeks.

PART X. PERMANENT DISABILTY.-Upon due proof to the corporation that the insured has, as the result of sickness contracted during the term of this policy, and not hereinafter excepted, entirely and irrecoverably lost the sight of both eyes, or permanently and entirely lost the use of both hands or both feet, or of one hand and one foot, or has suffered incurable paralysis, and also that he has been for one year and will during his life, by reason thereof, be permanently disabled from engaging in any work or occupation for wages or profit, the corporation will pay one-half of the principal sum of this policy, in lieu of all other indemnities.

PART XI. ACCIDENT OR SICKNESS INDEMNITIES.-SURGEONS' FEES FOR OPERATIONS ON INSURED.-If any injury or sickness covered by this policy shall, within ninety days from the date of accident or commencement of disability from sickness necessitate a surgical operation named in the schedule of operations endorsed hereon, which forms a part of this policy, the corporation will pay the insured, in addition to the indemnity provided, the sum set opposite such operation on said schedule, but payment shall not be made for more than one operation.

PART XII. HOSPITAL EXPENSES.—If such injury or sickness shall necessitate any one of the surgical operations named in the schedule of operations endorsed hereon, and such operation is performed in an incorporated hospital, the insured may elect to receive in lieu of any sum payable as surgeon's fee under the schedule of operations, and in addition to the indemnity otherwise payable, an amount equal to one-half of the original single weekly indemnity as provided under Part II for total disability, for each week that the insured is necessarily confined in said hospital not exceeding twelve (12) consecutive weeks.

PART XIII. REGISTRATION AND IDENTIFICATION.-If the insured shall, by reason of injury or sickness, during the time this policy is in force, be physically unable to communicate with friends, the corporation will, upon receipt of any message, giving this policy number, immediately transmit to the relatives or friends of the insured any information respecting him, and will defray all expense necessary to put the insured in the care of friends, but the corporation's liability therefor sha I not exceed the sum of one hundred dollars ($100).

FOR STANDARD PROVISIONS SEE PAGE 11.

OTHER PROVISIONS.

21. No assignment of interest under this policy shall bind the corporation unless consent thereto is formally endorsed hereon by an executive officer of the corporation. A copy of any assignment must be given, within thirty days, 'to the corporation, which shall not be responsible for its validity.

22. This policy does not cover sickness contracted or disability sustained outside of the limits of the United States, Canada and Europe or in Alaska or the insular possessions of the United States, or while engaged in military or naval service.

23. The insurance hereunder shall not cover any injury, fatal or non-fatal, sustained by the insured while participating in or in consequence of having participated in any form of aeronautics.

24. The copy of the application endorsed hereon is hereby made a part of this contract. 25. No provisions of the charter, constitution or by-laws of the corporation shall avoid this policy, or be used in defense of any claim arising under this policy.

26. This policy is issued for the term stated in the insurance clause, but it may be renewed subject to all the conditions of the policy contract from term to term upon the advanced payment of the premium stated.

In witness whereof, the General Accident, Fire and Life Assurance Corporation, Ltd., has caused this policy to be signed by its United States manager, but the same shall not be binding upon the corporation until countersigned by a duly authorized representative of the corporation.

SCHEDULE OF OPERATIONS.-If the single original weekly indemnity of this policy is $25 the following amounts will be paid: If said weekly indemnity is greater or less than $25 the amounts to be paid shall be increased or reduced proportionately. Abscess or boil, $5. Abdomen-cutting into abdominal cavity for diagnosis or treatment of organs therein, $115. Amputation of foot, hand or forearm, $25; leg or arm, $50; thigh, $75; finger or fingers, $10. Aneurism-operation for tying of artery, $10. Appendicitis (see abdomen), $115. Bladder-operation for removal of stone by cutting, $115; operation by crushing, $50. Bone-injuries to or disease of. Removal of diseased portion of bone, $25. Carbuncle-incision and treatment, $10. Chest-incision into thoracic cavity (exclusive of tapping) for diagnosis or treatment of organs within, except the lungs, $25. Dislocations-reduction of shoulder, elbow, hip, knee or ankle $25; wrist or lower jaw, $15; thumb or fingers, $10. Ear, nose or throat-any cutting operation, $10. Esophagotomy for stricture or other cause, $100. Excision of shoulder, hip or knee joint, $100; elbow, wrist or ankle joint, $50; toe or toes, $15. Eye, removal, $50; cataract, $25; any other cutting operation, $15. Fractures, reduction of nose, lower jaw, collar bone or shoulder blade, $25; breastbone, $10; rib or ribs, $10; upper arm, $35; forearm (one or both bones), $25; wrist or hand, $15; fingers, $10; bones of the pelvis except coccyx, $75; coccyx, $10; thigh, $75; kneecap, or leg bones (one or both), $50; bones of foot, $15; toes, $10. Felon-incision, $5. Goitre-cutting operation for permanent cure, $75. Gunshot wounds-treatment not necessitating amputation or cutting operation into abdominal cavity, $15. Hernia (abdominal)-any cutting operation for radical cure, $115. Hydrocele-incision or excision of sac, $25. Hydrophobia-Pasteur treatment, $65. Ingrowing toe nail-removal, $10. Intestinal obstruction (see abdomen), $115. Kidney (see abdomen), $115. Lockjaw-treatment by anti-tetanic serum, $50. Lungoperation within the lung, $75. Mastoiditis-operation for mastoid-abscess or removal

of diseased bone, $50. Nerve cutting operation for stretching, $25. Peritonitis (see abdomen), $115. Rectum-operation for hemorrhoids: External, $15; internal, $25; prolapsed, $25; fistula in ano, incision, $20; curettement, $15; malignant disease of rectum, $115. Skull-operation for fracture or other cause, $100. Spine or spinal cordoperation thereon, $100. Tapping of abdomen, $25; bladder, $15; chest, $15; ear-drum, $10; hydrocele, $10; joints, $10; pericardium, $75. Trachea cutting operation for any cause, $40. Tumors-benign, $15; malignant (except when specifically covered elsewhere n this schedule), $50. Varicocele acupressure, ligation or excision, $25. Varicose veins-ligation or excision. $25. Wounds-suturing, $10.

Georgia Casualty Company.

MACON, GA.

Commenced Business 1900.

W. E. SMALL, Pres.

E. P. AMERINE, Sec.

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The following forms are issued in the accident and health branch: "Regular Accident," form R, annual premium, select, $20; Combination Accident," form C, select and preferred, annual premium, $25; “Limited Disability," form D, select and preferred, annual premium, $60; "Limited Disability," select and preferred, annual premium, $35; "Combination Death and Dismemberment,' form CDD, select and preferred, $15; "Dixie Combination Accident," form X, select and preferred, $30; "Dixie Disability," form Y, select and preferred, $70. The above premiums are on a $5000 basis. All classifications may be written on the regular accident policy while only the select, preferred, extra preferred and ordinary classifications are eligible for any of the other forms. The accident features of C, D, AL, X and Y are the same except that in the “Dixie" policies forms X and Y, the accumulative provision applies to weekly indemnity and contains also a return premium agreement.

POLICY FORM C-"COMBINATION ACCIDENT." PRINCIPAL SUM, $5,000-$10,000. WEEKLY INDEMNITY, $25-$50. ANNUAL PREMIUM, $25.

In consideration of the statements in the schedule of warranties hereinafter contained and of $25 premium, the Georgia Casualty Company of Macon, Ga., herein called the company,

Does hereby insure John Adams, herein called the assured, in the initial principal sum of $5000, and for a weekly indemnity of $25, for the term of 12 months from the 15th day of April, 1910, beginning and ending at 12 o'clock, noon, standard time, against bodily injuries, herein called "such injuries," effected directly, independently and exclusively of all other causes through accidental means (suicide, sane or insane, not included); as follows:

SCHEDULE OF INDEMNITIES.

1. DEATH, DISMEMBERMENT OR LOSS OF SIGHT WITHIN NINETY DAYS.-If any one of the losses enumerated in this section (1) shall result solely from such injuries within ninety days from the date of the accident, the company will pay the sum set opposite such specific loss.

DEATH, DISMEMBERMENT OR LOSS OF SIGHT WITHIN TWO HUNDRED WEEKS.-Or, if such injuries shall, independently and exclusively of all other causes, immediately, continuously and wholly disable and prevent the assured from performing any and every kind of duty pertaining to his occupation, and during the period of such continuous disability, and within 200 weeks from date of the accident shall result in any one of the said losses, the company will pay the sum set opposite such specific loss and in addition weekly indemnity as provided for herein to date of death, dismemberment or loss of sight, as the case may be. For loss of life, or both hands by severance at or above the wrists, or both feet by severance at or above the ankles, or one hand at or above the wrist and one foot at or above the ankle by severance, or entire sight of both eyes, if irrecoverably lost, or entire sight of one eye, if irrecoverably lost, and one hand at or above the wrist by severance, or entire sight of one eye, if irrecoverably lost, and one foot at or above the ankle, by severance, the principal sum. Either hand by severance at or above the wrist, or foot by severance at or above the ankle, one-half of principal sum. Entire sight of one eye, if irrecoverably lost, one-third of principal sum. (One loss only is payable for one accident.) ACCUMULATIVE PROVISION.-Each consecutive full year's renewal of this policy, if the premium be paid annually in advance, will increase the respective sums specified in this section (1) by ten per cent; if paid other than annually in advance, by five per cent; until in either case according as premium may be paid, fifty per cent is thus added to the initial principal sum. Thereafter, so long as the policy is maintained in force, the insurance will be for the said initial principal sum plus the accumulations. This provision shall not apply to increase the weekly indemnity under this or any other section of the policy.

2. WEEKLY INDEMNITY-TOTAL OR PARTIAL DISABILITY.-Or, if such injuries shall not result in any of the losses mentioned in Section 1 but shall immediately, continuously and wholly disable and prevent the assured from performing any and every kind of duty pertaining to his occupation, the company will pay him for the period of such total disability, the weekly indemnity above specified, to an amount not exceeding the initial principal sum plus any accumulations which may have accrued under this policy at the time such injuries are sustained. Or, if such injuries shall not wholly disable the assured, as above, but shall immediately (or immediately following total disability) and continuously