ITlE NEWS The Publication of Vol. 9 The American Title Association No. 11 ••••••••••••••••••••••••••••••••••••• Absolute Accuracy-Greater Speed Lower Cost Assured in Making Your Records with Photographic Precision, with the

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The photographic method of copying is in­ sizes and types to suit any requirement in Ab­ fallible; everything in the original instrument stract and Title work. There are Simplex Recti­ must show in the photo copy. No comparing graphs making copies on only one side of the necessary as there is no chance for an error. sheet and the Duplex machines making copies on Alterations are impossible without instant detec­ both sides of the sheet. Any instrument can be tion and with a Rectigraph machine the complete copied original size or enlarged or reduced to process is so simple and convenient that copies any practical size desired. can be made by any clerk at the rate of one a The model illustrated is the Super Rectigraph, minute or less. the machine which "does it all" exposing, de­ When your "take-offs" are RECTIGRAPH veloping, fixing, washing and drying the prints PRINTS you have an absolute copy of the record, all within the machine itself and requiring but so when compiling an abstract there is no guess­ one operator for the complete process. ing as to what the record is. Trips to the Re­ corder's Office for verification are a thing of the The new Rectigraph book is full of interesting past. information for you. Be sure to write for your Rectigraph machines are made in a variety of copy at once. • RECTIGRAPH COMPANY, ROCHESTER, N. Y. Originators and Manufacturers of Photo Copying Machines Since 1906 Philadelphia Toronto Pittsburgh Chicago Los Angeles New York London Boston Cleveland Kansas City Paris Washln!lton ••••••••••••••••••••••••••••••••••••• ..

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ACK in the glamorous days of nearly three­ BYRON WESTON CO. LINEN RECORD Is used where ONLY THE BEST Wiii serve B quarters of a century ago, public officials and Records Deeds and Wiiis Pollcles Stationery Minute Books Ledgers Maps WAVERLY LEDGER is used where private individuals began using Byron Weston QUALITY AND COST ARE FACTORS Blank Books Ruled Forms Pass Books Drath Co. Linen Record paper for important docu­ Stationery Legal Blanks Diplomas FLEXO LEDGER Is used where a ments of every kind. They chose it because it FLAT LYING LOOSE LEAF sheet Is desired For H lgh Grade Loose Leaf Ledger Sheets and combined beauty, strength and the highest Special Ruled Forms CENTENNIAL LEDGER Is used degree of permanence. Today these early records where a GENERAL UTILITY PAPERlsrequlred Ruled Forms Broadsides Accounting Forms bear eloquent testimony to the judgment of their Stationery Pass Books Legal Blank1 TYPACOUNT LEDGER Is used where quality and permanence are required In makers-and have inspired city, county, state Machine Posting Forms and government officials to specify this same WESTON'S MACHINE POSTING LEDGER and Index a grade below Typacount-But Made to the economical, permanent paper for modern records Same Exacting WESTON Standard DEFIANCE BOND Is used where a which must stand the fierce test of time. quality bond OF HIGHEST CHARACTER counts Use Byron Weston Co. Linen Record for !/you are not familiar with the complete W eston deeds, wills, policies, ledgers- every record linP. , please send/or lfflmples. which merits preservation.

BY R 0 N WESTON COMPANY A family of paper mak ers for nearly three-q uarters of a century Leaders in Ledger Papers DALTON, MASS., U. S. A. THE Annual Mid-W.nter Meeting OF THE American Title Association and Conference of State Association Office rs will be held in CHICAGO FEBRUARY 6-7, 1931 HEADQUARTERS-MEDINAH .ATHLETIC· ·CLUB

This is going to be the most important meeting ever held by those in the title business. It will present the new structure of the national association, putting it upon a definite basis, and organized for constructive accomplishment. There will be announced a practical, formulated program of activities for the national and state ·associations which will advance and prosper the title business.

IT IS DESIRED THAT EVERY MEMBER OF THE .J . ASSOCIATION ATTEND IT IS IMPERATIVE THAT EVERY STATE OFFICIAL BE PRESENT

2 TITLE· NEWS Volume 9 NOVEMBER, 1930 Number 11

Published monthly at 404 N. Wesley Ave., Mount Morris, Ill. Editorial office; Chicago, Ill. Entered as second-class 1921, at the post matter, Dec. 25, office at Mount Morris, Ill., under the Act of March 8, 18'7.9. All communications for publication should be addreased to the American Title Association, 111 West Washington St., Chicago, Ill.

Published- Monthly by THE AMERICAN TITLE ASSOCIATION Editor Advertising Representative RICHARD B. HALL $3.00 Per Year ORSON ANGELL 111 West Washington, Chicago, Ill. - 8SO Graybar Bldg., New York Editor's Page

It i.r every Editor' .r .t"nalienable right to write upon mo.rt any .rubject and expre.r.r hi.r opinion on diver.r matter.r. OJ late "bu.rine.r.r condition.r," and particularly Joreca.rt.r and di.rcour.re.r, have been in vogue. Ye Ed re.rolved not to fall, but it' .r in the air right now, .ro I mu.rt n~ed.r follow the trend. It i.r about agreed that there are two thing.r the matter. Fir.rt-There i.r an avalanche of over­ production of everything, not only product.r, but al.ro of trained people to work and think. Second­ It ha.r been an accelerating market and time, and it wa.r ea.ry to .rkate along .rmoothly. So much .ro that there were no time.r when adver.rity conjronted and real problem.r had to be handled. A.r ha.r been aptly .rtated, "people were .rpending mo.rt of their thinking and a lot of other time on ju.rt two .rubject.r--the .rlock market and prohibition."

Real E.rlate ha.r had more than it.r .rhare of over-production, .ruhdividing and building. Thi.r ha.r occurred before, but only in .rpot.r, boom.r. A.r with all thing.r, the .rurplu.r now will have to be ab.rorbed, and the thing a.r a whole re.rume a .ren.rible ba.ri.r, even at a lo.r.r to many. Bu.rine.r.r i.r having to like­ wi.re adju.rt it.rel} to hard }act.

Anatole France certainly de.rcribed thi.r period in the .rentence "It ha.r alway.r been man' .r de.rtiny to fall into contrary exce.r.re.r, and the recovery from tho.re exce.r.re.r i.r alway.r labored and pro.rtrating." Jl:fanujacturer.r point that people will .roon have to buy to replace. Pre.rent equipment a.r well a.r luxurie.r or commoditie.r have been repaired until it i.r now nece.r.rary to replace. One Secretary of State report.r there are 200,000 auto.r in hi.r .rtate that have been ob.rolete and not fit to be on the high­ way.r for .rix month.r. People do not remain quiet long. Already there i.r .rign of .rome real e.rfate aclivity in certain place.r, the .rmaller citie.r experiencing a revival of building and }arm land.r .rhow a ten per cent increa.re in recent month.r.

• Too bad all t~e time i.r .rpent in trying to relieve rather than boo.rt the farm. Several in the title bu.rine.r.r are making adju.rlment.r and change.r that are olf.retting the other. Thi.r pre.rent "relaxation" i.r the Longe.rt on record and will of cour.re eventually emerge, but not over night. It' .r a ca.re of work it out. But between dreaming of tomorrow and regretting ye.rterday there won't be any time lejt to do anything today. It' .r got to be .rane, .rincere action now. Thing.rare beginning to .rhow .rome .rign.r of improvement. 3 DEVELOPMENT OF A GREAT WESTERN EMPIRE

Portrayed in a presentation of Facts and figures from authoritative sources

Follow its monthly advance in the CALIFORNIA REAL EST A TE MAGAZINE

Official statewide real estate publication in the Golden State

Title Department » Legislation » Court Decisions » Legal Service » Industry » Commerce » Finance Home » Ownership » Subdivisions » Selling Ideas » City Planning and Zoning » Apprasing Exchanges » Building Development » Real Estate Problems » Building-Loan Progress

WESTERN STATES' GROWTH AND PROGRESS NUMBER PUBLISHED IN JUNE

ORDER FROM CALIFORNIA REAL EST A TE ASS'N · 117 West Ninth Street, Los Angeles, California

S A M P L E C 0 P I E S 0 N REQUEST

4 What Value-Regional Meetings? By JAMES S. JOHNS, Past Chairman, Abstracters Section

N order that the abstracters of the foundation; and one which would be be done to secure the attendance at nation might have an instrumental- received enthusiastically by abstracters these meetings of everyone making ab­ I ity with which to work out their everywhere. stracts-wild-catters, curbstoners, non­ problems, the American Title Associa- The discovery was quickly made that members and members. The bulletin tion at its meeting in Denver in 192 5 the adoption of this program can not urged that many letters, telephone calls, organized an Abstracters' Section. This be secured merely by having an officer invitations to luncheon and dinner, be ~ection having been operating for about of the national association attend one sent (and told who should send them) five years, a little retrospection seems meeting of each state title association in order to secure the attendance of 4 advisable; to see what have been the . and explain the program. This is due everyone eligible. A copy of this bul­ -....aims and purposes of the section, its to a number of causes-fear to discuss letin was sent to each abstracter and accomplishments, what its cost, and to prices openly; inability to confine dis­ several copies were sent to each officer ascertain methods by which the mis- cussion to the point at issue; distrust of a state association. takes of the past can be avoided in the of competitor; fear of the legislature; Where all preliminary arrangements future. inertia; despondency over the outlook, are made in strict conformity with the Soon after the Abstracters' Section and conviction that the situation can­ recommendations of the bulletin, the was organized two sets of question- not be remedied, being some of the results secured in the past seem to have naires were sent out to all abstracters. causes. The principal cause, however, justified the terrific expense to which The answers indicated a total lack of is the small percentage of abstracters the American Title Association has uniformity in every particular, a com- who ever appeared at state conventions. been obligated in the conduct of these plete absence of any cost accounting In a pathetically large percentage of the meetings, and to have justified the time system, a total lack of cooperation cases this was on account of the fact donated by its officers. However, in among competitors, a very small inter- that the abstracter was not receiving almost every state where regional meet­ est in the state title association, and a sufficient remuneration from his busi­ ings have been conducted there has very remote interest in the American ness to afford a trip to a meeting of been at least one district chairman Title Association. In fact the ab- his professional organization had no (sometimes more) who has fallen down stracters, who numerically comprise help competent to leave in charge while on the job completely, thinking that about ninety per cent of the member- away, or was too inert to go to the one lukewarm letter would secure full ship of the American Title Association, trouble of attending. It was, there­ attendance, and this des'pite positive were a disorganized indifferent mob. fore, determined that in order to reach contrary instructions. In one state re­ After considerable study, work and the individual abstracter the meeting cently, one chairman failed to make experimentation an attempt has been with him must be either in his home clear the hour of the meeting so that made to bring about uniformity in town or at a point so close to him that several abstracters arrived about the prices and practices. From this start he could reach the meeting easily and time the meeting adjourned, thinking has developed the first aim of the sec- return home the same evening, thus it was to be an evening meeting. An­ tion which has been to secure a stand- relieving him of the necessity of pay­ other chairman decided that since there ardization of prices and practices at ing the expense exerting himself or tak­ had been some rain the boys probably such a level that the individual ab- ing the time involved in staying over­ would not want to go to the effort of stracter would begin to secure: night. Thus regional meetings came getting to the meeting, so neither 1. A reasonable wage for his serv- into being. phoned or wrote. He seemed to have ices. After some experience in the conduct no consciousness of the efforts which 2. A reasonable return on his in- of such regional meetings a special bul- the president of the state association, vestment in plant. letin was laboriously prepared by the his wife, and I put forth to reach the 3. A reasonable reserve fund with American National Association in 1928, meeting; traveling over two hundred which to meet losses. describing the minimum requirements miles to get there and facing a three The second aim of this section for successful regional meetings. Briefly, hundred fifty mile journey to our next quickly developed from the first. It the state in which regional meetings are meeting. In another instance after the has been to secure to the general pub- to be held must be properly districted chairman had scheduled the meeting lie and to the legitimate abstracter the so that no district will be too large. and was supposed to be making arrange­ protection to which they are entitled Experience showed that usually an out­ ments to secure the attendance of ab­ through proper legislation requiring of sider, i. e., a representative of the stracters in that region, he determined The professional abstracter: American Title Association, could con- that no attempt should be made to hold 1. A complete title plant. duct the meetings with more success a meeting in his district on the day set 2. Proper qualifications as an ab- than a local man. Therefore, the cus- because court was in session and every­ ·stracter. tom has grown up in the holding of one attended court. Of course, he 3. A bond or deposit guaranteeing regional meetings for an officer of the failed to notify the state or national payment of just losses. national association accompanied by an association, and their representatives Certainly this would not seem to be officer of that state association to con­ journeyed to his town in vain. a flighty, etherial, or over-ambitious duct the meetings. The meetings must In.~ a recent state ti de bulletin ap­ program but one which starts building be so scheduled that no time will be pears a report of ten regional meetings for the individual abstracter a firm lost. Proper preliminary work must held in that state. Following are some 5 quotations taken from this account: graphing and letter wntmg from the that an overwhelming majority of the "On account of the scattered attend­ office of the American Title Associa­ abstracters in the state are earnestly ance, it was impossible to reach any tion. desirous of securing the assistance of the definite schedule." . . . . . Even where the meetings have been American Title Association; that every a decided success the subsequent co­ preliminary arrangement has been made; "Prices and commissions were dis­ operation secured by the American that the attendance will be 99-441100 cussed but no definite action taken be­ Title Association has not been as per cent including hat searchers and cause some present didn't think there heartening as was expected. For ex­ curbstoners, members and non-mem­ could be any increase in charges or ample, a member of one association re­ bers, and that neither court, rain, hook­ elimination of discounts because some signed his membership in his state or­ worm, sleeping-sickness, nor any other customers might object." ganization and in the national associa­ untoward event or circumstance will "On account of differences of opin­ tion saying that since the new schedule prevent a complete series of successful ion, no decisive action was taken." .... of fees has been adopted and since the meetings? "The meeting failed to produce the Abstracters' License Bill has been passed Probably the policy should not be attendance that was expected." ..... everything which can be done for him changed until much careful and "The next meeting was fairly well has been done and they can do nothing thoughtful consideration is given to the attended and demonstrated probably more for him. In another state, where problem and the testimony of repre­ more than any other meeting the need the same results were secured, prices sentative abstracters from various part'!l for legislation and the folly for ab­ raised, abstracters law passed, and the of the country secured, for in many in­ stracters to not co-operate. Abstract­ business made respectable, several mem­ stances the new standard of fees and ing mostly a side line." ..... bers have declined to pay their state practices coupled with the Abstracter~ association dues and the contribution to Bill has worked a complete revolution "The higher fee schedule was the sustaining fund of the national as­ in the title business. And while it is adopted and the majority favored title sociation so far this year totals only true that what has been accomplished legislation." ..... about $90.00. in some of the states can be accom­ "This meeting proved to be somewhat The American Title Association is plished in all of them, yet these ques­ divided on the legislative program. faced with the necessity of paying out tions can be raised with propriety:­ Some opposition developed at this a great deal of money whenever it as­ Cannot our efforts produce better re­ meeting." .... . sists in the holding of regional meet­ sults? Ati.d is not the cost of accom­ The above quotations and illustra­ ings. The individual who represents plishment too high? Will the abstrac­ tions, which would find their counter­ the national association at these meet­ ters put into practice the things he part in most of the states where regional ings is required to make a great sacri­ learns at regional meetings, gets all mee.tings have been held, indicate that fice of time. Should this expense and hopped up about, or does he go home, far too little preparatory work has been effort on the part of the American listen to the howl of the wolves, keep done. The failure of the chairman to Title Association be continued in as on working for inadequate fees and giv­ function, the failure to invite other lavish and free-handed a manner in the ing discounts? than association members to the meet­ future as in the past; or should the Are regional meetings worth while? ings, and in some instances the failure policy of the national association be Yes-absolutely by a big margin, but of state association officers to do as in­ modified to the extent that no assistance some fail to get the big benefit from structed, militate against the success of will be given any state association ip. them while others use them to full these meetings, and this despite the tre­ the conduct of regional meetings until benefit. It is too bad every state can­ mendous amount of telephoning, tele- definite and positive assurance is given not be aroused enough to hold them. THE REASON The abstracter works when he has a request, Or we may be told that the loan is now dead, And you will always find he is doing his best And for the loss of our work they have a great dread. To fill his orders, and he will never lack; They console us by saying "the borrower'll pay" But you will usually find him "holding the sack." And collecting those accounts is making us gray.

Then we will work on a mine, they want to call "sky" He gets most of his orders from real estate men, That a man has under an option to buy; Attorneys, bankers, and brokers come in; We present our bill for the work with glee, They order the abstracts for clients we guess, And he says "I'll pay you when Bill pays me." But it always puts us in a "heck" of a mess. And to make matters worse, if such could be, We will send them a bill for the abstract the day They ask us to advance the recording fee; The same is complete and out of our way; This we will do and then sit and grin, We bill them again in the due course of time, For he'll pay us-if his ship comes in. And then they inform us "the abstract's not mine." The abstracter is asked to sit between • They tell us they ordered for Johnnie Ricks, The anxious seller and the buyer keen; And their attorney advised they would have to fix And we always help when a loan's in sight, The title to same in a much better state; Then "who'll pay the abstracter" starts the fight. And the abstracter is the goat that'll have to wait. We've tried and we've tried to find a way Or they may inform us that the deal fell through, That we'd be protected and could get our pay, And now they sure had a buyer to sue; But the only way that can possibly be And in about six months they break the good news Is the safe, sound method of C. 0. D. That the abstracter's the one that's got to lose. R. C. BARRETT. 6 THE MOST LAMENTABLE HISTORY OF A RISING YOUNG ATTORNEY He setteth out in a lo/ ty frame A young man set out to follow the law, of mind. And he had high hopes and fine visions he saw. Caw! Caw!

His fellow citize11s predict failure The crow caws his applause, a11d arc likened to the crow a11d the The jackal licks his jaws. jackal. He meeteth rebuff and faileth to But alas! for that youth and heu him infelicem! find the golden fleece. The clients came not., and how could he fleece 'em? ,,i.;...-c::....--1-...... ;:;~r Could he fleece 'em? !-IE SETTETH OUT IN A LOFTY FRAME OF MIND He falleth into the power of a So poverty made him-that pitiless joker- dragon and is horribly misused. The slave of a real estate, mortgage, loan-broker, Loan broker!

The gentle reader is exhorted lo Shed a tear gentle reader, lament for the lost, shed. The youth paid his debts, nor counted the cost, Ah, the costs! ., Sho111eth how a limb of the law That loan-broker fed a soul hungry for truth, is fed. On abstracts of title, and such stuff forsooth! Stuff forsooth!

title to land, I Showeth further the sa'me. Mortgages, deeds, and SHOWETU HOW HIS TOE When he hungered for learning and eloquence grand. TURNETH UP AND HIS Eloquence grand! SPIRITS DOWN How he spendeth his days. Abstracts in day-time, abstracts at night. Oh, at night! From month unto month, nothing else met his sight. Fading sight!

He loseth his appetite. They went with him East and they followed him West, Till he dined without hunger, and slept without rest. Oh, for rest!

The poet resorfeth to the la11g11agt They ruined his health, and they ruined his temper, of Brutus and showeth what further Abstract a man's health, and the wretch is sic semper, befell. Tyrannis sic semper!

FOR MANSION'S A TERM YOU'LL AGREE, WHICH The R. Y. A. layeth down, like­ Five sorrowful summers in suffering went by, IMPLIES A QUESTION OF wise lielh down. He laid down his abstracts and lay down to die. TITLE-ON EARTH OR IN 'Thout a sigh. SKIES

He looketh lean. Lean he of body, and lank he of limb, He lay down to die, the mere abstract of him, Dim shadow of him. 1

Showeth how his toe 111rnelh up To the daisies he turned up each several toe, and his spirits down. His spirit sped hence to the regions below. To the regions below.

Showeth how he purposely avoid­ He preferred not to meet either Peter or Michael, ed fttrlher controversy. Lest reference be made to the subject of tide-­ Hated subject of title!

For mansion's a term you'll agree--which implies FIRST BORROW OR STEAL THE of title--on earth or in skies, LAST POSSIBLE CENT A question On earth or in skies.

Describcth the fttneral layout, the In abstracts of title, they wreathed his poor bed, wreath i11 particular. A pillow of abstracts they put 'neath his head­ Weary head.

" The processio11 move th. The funeral procession the loan-broker led, To Snodgrass' addition, to the Town of the Dead. Section and township and range aforesaid.

The wonderful liberality of the The broker the lot gave with little contrition, broker. The TITLE was bad to Snodgrass' addition!

The poet exhorteth other rising Oh, never to brokers your services rent, young attorneys. First, borrow or steal the last possible cent.

Go HANG YOUR POOR SELF The same. Remember this youth, and when all hope has fled, BY THE NECK UNTIL DEAD Go hang your poor self by the neck until dead! 7 Stopping "Kicks" On Abstract Charges

By JOHN E. KENNEDY, Hamilton, Mont.

Manager, Security Title & Abstract Co.

REQUENT complaint about fees sulted an attorney, and has dealt with and arrangement of such information charged, and the method of turn­ real estate men before, and for this rea­ that it may be used with ease and Fing out work, are two of the out­ son is aware of their charges, and pays safety. It should set forth the contents standing "daily headaches" of the aver­ them without a whimper. Unless he of every instrument of record affecting age abstracter. deals often in real estate, his dealings the title, so full, that no reasonable in­ He is almost always certain, when he with the title man are not so frequent, quiry shall remain unanswered, so brief has signed a certificate, and attached his and often a statement from the real that the mind of the examiner shall not seal thereto, that in addition to doing estate man, as to how expensive the ab­ be distracted by irrevelant details, r, the work, he must listen to a long dis­ stract will be, and a remark from the methodical that counsel may form ao cussion as to the highness of his fees, examining counsel as to the title opinion on each conveyance as he pro­ and how his business should be regu­ man's charges, it is no wonder that he ceeds in his perusal, and so clear cha( lated by law, in order that he will no will put up a kick. Not because he no new arrangement or dissection of the longer be permitted to rob an unsus­ cares to kick, but because he has just evidence shall be required." pecting public. paid an attorney fee, and a real estate If it can be brought to the attention The thought often occurs to me, commission, and feels that he might of the lay man, and in fact to the at­ when I meet this situation, which I do as well blame the abstracter for the tention of each person, interested in practically every day, that there must whole affair, inasmuch as he deals with ordering abstracts of title, that this is be some remedy for it. I have tried him least of all. the rule that must be adhered to, when several of them. If the abstracters would only get an abstract of title is prepared, I feel At first, the largest complaint came across to the public that they are giving certain that there would be consider­ from attorneys, who were not paying them a service that they cannot get able less complaining, and they would a penny out of their own pockets for elsewhere; that they, too, as well as the be able to see that an abstract thus the abstract of title in question, but attorney, are offering a specialized serv­ prepared serves as a safe and convenient were merely acting for clients. Still ice, one that necessitates not only an guide to purchasers or to investors in they would not miss an opportunity to adequate education, but several special real estate securities. tell me how exorbitant they thought qualities as well, the situation might be Let this be explained to prospective my price was, and when I would ask different. customers, and to old customers as well, them what they thought the price They should be educated as to what and let every abstracter recall to mind should be, and on what basis it should the value of an abstract consists of: that old saying, "It is well for a man be arrived at, they would have nothing Thompson, in his "Title to Real Prop­ to respect his own vocation, whatever to say. erty," says "The value of an abstract it is, and to think himself bound to up­ I decided that I would put an end to of title consists not only in the informa­ hold it, and to claim for it the respect their complaint and I made it a point tion it contains, but also in the form it deserves." to take from the records in the office of the District Court Clerk, the fees in several probates, and foreclosures which each attorney had handled. I had them on my desk and each time that any one of them would refer to my charges, I NOTICE~ would consult my chart, and say "What was it that you got for probating the Jones Estate?" or "How much did you charge for the Brown foreclosure?" I THIS office will not be liable found that this soon put an end to • in any way for mistakes, errors or their remarks. They felt that they had been reasonably compensated for their omissions in information given work in each instance, and were now content to admit that I had not been except insofar as our legal liability more than reasonably compensated for my work in preparing the particular extends over our official signature abstract of title under discussion. Another group who never missed a and seal. chance to complain, were the real es­ (As a matter of iiood business and protection to all partiea tate dealers. They would raise consid­ concerned, the Colorado Title Association stronilY advises that no transaction involving real estate be closed without erable hue about the charges for the first havin& the abstract to the property continued to date and the title examined by a competent attorney who i1 abstract of title, but never a word familiar with the real estate laws of Colorado.) about the five per cent commission that they had obtained for the deal in ques- tion. . The lay man, really, does the least Card furnished to members of the Coiorado Title Association and displayed complaining of any. He has often con- by them 8 Building and Loan League Advocates Advising Worth of Houses

HAT building and loan men should men representing building and loan as­ All building and loan associations advise their clients as to whether sociations from various parts of the should have a private room in which Thomes are properly priced, even country were present. to confer with their customers said though they may incur the displeasure Clarence T. Rice, Kansas City, Kansas, The building and of builders and others, was the con­ loan Rotarians Secretary Southwestern Conference, be­ stated that the men in census of opinion of a meeting of this business cause the home owning transaction is must "be on the side of the building and loan officials held here home extremely important to the average owner," and look at his problems from June 2 5 in connection with the Rotary man who builds a home but once in a that point of view, so International Convention in session at that if a house lifetime, and thus would be pleased to is over-priced, for the Stevens Hotel. Group meetings of instance, the build­ have a place in which this important ing and loan the various industries, professions and man should tip off his matter can be talked over quietly. customer. trades represented at the Rotary meet­ The supervision of construction from ing are a feature of the Convention. George E. McKinnis, Shawnee, Okla., the point of view of the correct follow­ The building and loan men met in the Past President of the U. S. Building ing of specifications should be under­ Palmer House with E. A. Markham, El and Loan League also spoke on service taken by building and loan men in the ..Paso,, Texas, presiding. About forty to the public . future, said several speakers.

MERITORIOUS TITLE ADVERTISEMENTS (Examples of advertisernents f or the title business. A s eries of these will be selected and reproduced in "Title N ews," to show the r nethods and ideas of publicity used by various members of the Association.)

"Unwritten Clauses"

There is nothing in our title insurance policies requiring us to handle your trans­ action with prompmess; no clause stip­ ulating . that we shall rreat you with courtesy and consideration; no proviso that you as a customer must be thor oughly satisfied with the trearrnent you receivl!. Client: All these things are covered by "un· "You keep pretty well posted on these written clauses" in our t!tle policies - •ales. Isn't it a lot of trouble ?'' voluntary, self-enforced clauses which " make a difference"' when you deal A11orney : with us. "No. The Commonwealth sends me i:he Sheriff's Sale List each month. That's one of the reasons I send my business to them," COMMON.WEALTH TITLE COMMON.WEALTH TITLE I NSURANCE AND T R.UST COMPANY INSURANCE COMPANY ~iliat•d with ~iliat•d with PROVIDEN..T TRUST COMPAN.Y PROVIDEN.T TRUST COMPAN.Y Twelfth and Ch°""'"'

Two specimens of the ver y appropriate advertising done by this company. The one on the right has a real human interest and appeal The copy and lay-out shows title advertising do es not need to be dry and prosaic. 9 Compiled from Recent l~ -AW QUESTIONS Court Decisions by McCUNE GILL AND THE Vice-President and Attorney Title Insurance Corporation of St. Louis, COURTS, ANSWERS St. Louis, Mo.

Could non-resident alien inherit during Can the same guardian ad litem be ap­ war? pointed for two minors? Yes, if treaty so provided, even though state law pro­ Not if the minors' interests are adverse to each other. hibited it, and war did not suspend treaty. Goos v. Brocks, Millage v. Noble, 166 N. E. 50 (Illinois). 223 N. W. 13 (Nebraska). Can suit in equity be brought to de­ Is guardian's mortgage to build house termine whether grantor of church site on minor's land good? has reversionary interest when church is ,• Held void as court had no jurisdiction. Reddin v. Frick, sold to school? 223 N. W. 50 (South Dakota). Not in Illinois; neither does suit to quiet title lie; the action must be at law. Schools v. Wilson, 166 N. E. 5 5. Who must share up party wall where one building is torn down? Is provision in will good if providing The party tearing down, and not the other owner as is the for partial accumulation of income until case with a separate wall. Marks v. Woolworth, 32 Fed. 2nd minor child reaches age of forty? 145 (Texas). Void in Illinois where a Thellusson Act is in force. Wills v. Southwell, 166 N. E. 70. Should resolution of directors and stockholders be required for corporate Can a building corporation own more mortgage? than one building in Illinois? Yes; otherwise they might contend that loan was used No; but it can acquire additional strip for enlargement by officers personally. Standard v. Smith, 32 Fed. 2nd 176 of the building? People v. Emmerson, 166 N. E. 110. (Oklahoma). Is assignment of rents in second mort­ Can licensed foreign corporation be gage superior to collection of rents by ousted from state for charging usury? receiver in suit foreclosing first mortgage does not contain assignment? It can in Nebraska, State v. Central, 225 N. W. 46. which The receiver and holder of first mortgage are entitled to the rents. Fidelity v. Mahon, 166 N. E. 207 (Ohio). Does renewal have effect of validating fraudulent notes? Is there a reversion where conveyance Yes; if mortgagor agrees to renewal he waives defense of is to trustee "so long as the lot is used fraud. Olson v. Union, 225 N. W. 124 (North Dakota). for cmirch purposes?" Held no reversion in Ohio where deed was based on a Does child born here become alien if valuable consideration ( $5 0) and there was no reverter his father is naturalized in Canada? clause; but one judge vigorously dissents. Copps Church, 166 N. E. 218. He does if father was naturalized while both lived in Canada and during child's minority. Ostby v. Salmon, 225 addition N. W. 158 (Minnesota). Can zoning ordinance forbid to business building already erected? Yes; State v. Stegner, 166 N. E. 226 (Ohio). Is purchaser entitled to compensation for improvements if he thought life es­ tate was fee? Devise to one Cmtrch college, but if No; the will in the Probate Court creating the life es­ discontinued to nearest other college of tate was notice to him (even though it is not recorded in such chttrch; is this good? Recorder's Office), Clark v. Leavitt, 166 N. E. 538 (Illi­ Held good notwithstanding claim of ambiguity and re­ nois). moteness. Bishop v. Broyles, 22 S. W. 2nd 790 (Missouri~.

Is title of devisees subject to debts of Is broker entitled to commissions if the decedent? owner himself sells for smaller price? Yes; the debts are a lien on the property. Pittsburgh v, He is if sale was to a purchaser obtained by broker. Bailey Verborg, 166 N. E. 29 (Indiana). v. Herc\.}les, 22 S. W. 2nd 8 55 (Missouri). 10 The Miscellaneous Index Items of Interest About Title Folk and the Title Business

Some impressive advertising pamphlets have been issued An interesting sidelight of the occasion is the fact that by the Lawyers Title Insurance Corporation, Richmond, the dinner was held at the new California Club whose old Virginia, (Laurie Smith's company, if you don't already home at Fifth and Hill Streets has just been demolished to know). make way for the new limit-height Title Guarantee Build­ One is entitled "Remove the Shadow" and shows a nice ing which is now under construction. comfortable home with a ghostly shadow question mark Organized on October 28, 1895, by E. W. Sargent, who blotting its otherwise serene and secure look. The subject was known as the "father of the land title business in matter in the ensuing pages tells a lot about everyday hid­ Southern California," the Title Guarantee now has resources den defects and things that might occur but would have . exceeding 7,5 00,000. During the stretch of thirty-five years protection in title insurance. covered by the Title Guarantee's activities, Los Angeles has The other is a little booklet entitled "Nine Questions a grown from a small town into the fifth largest city in ~awyer Asked Himself." It contains some pretty good dope America. The company has had four presidents, all of whom about the attitude lawyers should take in respect to title with the exception of the present titular head have died in insurance. office. ' These two pamphlets come as near being modern, hit-'em­ Reflecting the tremendous increase of property values in right-now impressionistic advertising as anything appearing the downtown financial district, Title Guarantee records for the title business. It's this kind of stuff that will do show that the site of the new Title Guarantee Building, some good, rather than formal long explanations of the Fifth and Hill, on which the California Club structure legal aspects and niceties of title insurance. formerly stood, was sold at public auction to Harley Taft on February 1, 1866, for $9.90. In conformity with its expansion plan, the Mortgage Bond and Title Corporation, with its head office in Balti­ The New York Title and Mortgage Company has opened more, Maryland, announces that it has qualified under the a branch office on the ground floor of the Shoreham Build­ laws of the State of Kansas and has completed arrangements ing at Washington, D. C., the twelfth of September. Wil­ for the appointment of representatives in several of the ford J. Booher is in charge as manager and B. B. Bailey is ~itle leading districts in that state. They are now qualified in officer. Delaware, Maryland, Florida, Kansas, and the District of The title plant, which consists of a complete tract index Columbia. of the records of the District of Columbia back to 1912, is Recently, the Chemical National Bank and Trust Com­ located on the third floor of the same building. The plant pany, New York City, purchased an appreciable share of is being built back as rapidly as possible and will be carried the capital stock of the Mortgage Bond and Title Corpora­ back to the establishment of record title to all of the District. tion and Mr. Percy H. Johnson, president of the bank, was Title service offered to the public includes certificates of elected a director of the board of the title company. title and title insurance.

Ben 0. Kirkpatrick, one of our local hosts for the 1931 The Chelsea Title and Guaranty Company, Atlantic City, convention and a member of the Oklahoma legislature meet­ has acquired the Cape May County title plant, business and ing in 19 3 1, will probably become known as the "flying good will of the title department of Ocean City Title and legislator." Mr. Kirkpatrick plans to fly from Oklahoma Trust Company. The Cape May County business of the new City, the capital, to his home in Tulsa each Friday evening company will be continued as heretofore in the present title during the legislative session, spend Saturday and Sunday offices in the Ocean City Title and Trust Building, under the in his office and at home, and fly back to Oklahoma City same personnel as were connected with the trust company each Monday morning. title department, and with Mr. Jesse D. Ludlam as the county seat representative. Edgar Anderson, until recently the vice president of the Puget Sound Title Insurance Company, has been elected The Land Title Insurance Company of St. Louis recently as vice president and counsel of the Tacoma Title Company, celebrated its fiftieth anniversary. The event was com­ Tacoma, Washington. memorated by sending out very attractive announcements extending cordial greetings to and thanks for the loyalty of The Title Guaranty Company of Wisconsin opened its their friends during the many years of its existence. new quarters on the sixth floor of the Title Guaranty Build­ ing, 68 West Wisconsin Avenue, Milwaukee, in June of The Wisconsin Title Association has planned a series of this yea!,". The Title Guaranty Company of Wisconsin regional meetings, the first of which has been called by Dis­ was formerly the Milwaukee Titl!l Guaranty and Abstract trict Chairman E. H. Turkelson, to be held in Waukesha the Company. The changes in name and location were coinci­ second week in January. dJnt with the inauguration of a state-wide expansion pro­ gram, whereby they will develop an agency system with Further expansion of its state-wide service has been made local abstracters throughout the state. ! by the Washington Title Insurance Company, Seattle, by the purchase of an interest in the Fletcher-Daniels Abstract Title Guarantee and Trust Company, Los Angeles, cele­ Company, Incorporated, Vancouver. The Fletcher-Daniels brated its thirty-fifth anniversary on October 28 with a Abstract Company is one of the oldest and strongest com­ dinner in honor of its officers and employees, many of whom panies of the Northwest. By the acquisition of this stock have been with the institution for terms ranging from the Washington Title Insurance Company now is repre­ twenty to thirty-five years. sented by affiliated agencies in ten counties of the state. 11 l

The American Title Association Officers, 1930

General Organization

President Committee. The Vice President of Texas, President, Guaranty Title Jersey, President, Fidelity Donzel Stoney, San Francisco, the Association is Chairman of the and Trust Co. Union Title & Mortgage Guar­ California, Vice President and Committee.) James S. Johns, Pendleton, Ore­ anty Co. Manager, Title Insurance and Term Ending 1930 gon, Vice President, Hartmau E. G. Tillotson, Cleveland, Ohio, Guaranty Co. Abs tract Co. President, Guarantee Title & Edward C. Wyckoff, Newark, New Trust Co. Vice President Jersey, Vice President, Fidelity Harry C. Bare, Ardmore, Penn .. Edwin H. Lindow, Detroit, Michi­ Union Title & Mortgage Guar­ sylvania, Vice President, Merion Worrall Wilson, Seattle, Wash­ gan, President, Union Title and anty Co. Title and Trust Co. ington, President, Washington Title Insurance Co. Guaranty Co. Fred P. Condit, New York City, Vice-President, Title Guarantee ADVISORY COMMITTEE Treasurer Term Ending 1935 J. M. Whitsitt, Nashville, Tenne­ and Trust Co. Term Ending 1931 see, President, Guaranty Title M. P. B"ouslog, Gulfport, Missis­ Harry A. Kahler, New York City, A. R. Marriott, Chicago, Illinois, Trust Co. sippi, President, Mississippi Ab­ President, New York Title & President, Chicago Title & Trust stract, Title and Guaranty Co. Mortgage Co. Co. Executive Secretary Paul D. Jones, Cleveland, Ohio, William H. Allen, Jr., Los Angeles, A. S. Moody, Houston, Texas; Richard B. Hall, Chicago, Illinois, California, President, Title In­ President, Texas Abstract Co. 111 West Washington St. Vice President, Guarantee Title and Trust Co. surance & Trust Co. Councillor to Chamber of Com­ EXECUTIVE COMMITTEE Term Ending 1931 A. L. Bodley, Sioux Falls, South (The President, Vice President, Dakota, Secretary, Getty Ab· merce of United States r Treasurer, Retiring President, and J. M. Dall, Chicago, Illinois, Vice stract Co. Henry R. Robins, Philadelphi• Chairman of the Sections, ex~ President, Chicago Title and Pennsylvania, Vice President, officio, and the following elected Trust Co. Term Ending 1933 Commonwealth Title Insurance members compose the Executive Henry B. Baldwin, Corpus Christi, Morrison B. Colyer, Newark, New Co.

Sections and Committees Abstracters Section Committee on Constitution and District No. 2: Hugh M. Patton, North Dakota-G. B. Vermilya, Chairman, Donald B. Graham, Den­ By-Laws Chairman. Towner. Secretary, McHenry ver, Colorado, Assistant to M. P. Bouslog, Gulfport, Miss., Pennsylvania-Hugh M. Patton, County Abstract Co. President, Title Guaranty Co. Chairman. President, Missis­ Pittsburgh. Vice-President, Minnesota-E. D. Boyce, Man- Vice Chairman, Arthur C. Mar­ sippi Abstract & Title Guaranty Title Officer, Union-Fidelity kato. Manager, Blue Earth riott, Wheaton, Illino!d-, Vice Co. Title Ins. Co. County Abstract Co. President, Dupage Title Co. David P. Anderson, Birmingham, West Virginia-R. F. Dunlap, Hin­ Wisconsin-R. E. Wright, Mil­ Secretary, Herman Eastland, Jr., Ala. Vice-President, Alabama ton. waukee. Milwaukee Title Guar­ Hillsboro, Texas, Secretary, Title & Trust Co. Virginia-E. D. Schumacher, Rich· anty & Abstract Co. Eastland Title Guaranty Co. E. 0. Sloan, Duncan, Okla. Man­ mond. President, Title Insur­ Title Insurance Section ager, Duncan Abstract Co. ance Company of Richmond. District No. 8: S. E. Gilliland, Chairman. Chairman, Stuart O'Melveny, Los Committee on Cooperation Angeles, California, Executive E. F. Dougherty, Omaha, Neb., District No. 3: Harry M. Paschal, South Dakota-Paul M. Rickert, Vice President, Title Insurance Chairman Federal Land Bank. Chairman. Sisseton. President, Roberts County Ab•tract Co. & Trust Co. John C. Adams, Memphis, Tenn. Florida-0. W. Gilbart, St. Peters- Vice Chairman, Charlton L. Hall, Mgr. Title Dept., Bank of Com­ b u r g h. Secretary-Treasurer, Jowa-S. E. Gilliland, Sioux City. Seattle, Washington, Secretary merce & Trust Co. West Coast Title Co. President, Engleson Abstract and General Manager, Washing­ Roy S. Johnson, Newkirk, Okla. Co. ton Title Insurance Co. North Carolina--J. K. Doughton, Albright Title & Trust Co. Raleigh. Vice-President, Title Nebraska-W. C. Weitzel, Albion. Secretary, Leo S. Werner, Toledo, John Henry Smith, Kansas City, Guaranty Insurance Co. Wyoming-Kirk G. Hartung, Ohio, Vice President, Title Mo. President, Kansas City Cheyenne. Secretary, Laramie Guarantee & Trust Co. South Carolina--J. Watris Thomas, Title & Trust Co. Columbia. Thomas & Lumpkin. County Abstract Co. Title Examiners Sectil'll Frank Ewing, New York City, Georgia-Harry M. Paschal, At­ Chairman, Elwood C. Smith, New­ Asst. Counsel Metropolitan Life District No. 9: Pearl K. Jeffrey, burgh, New York, President, Insurance Co. lanta, Ga. Vice-President, At­ lanta Title & Trust Co. Chairman. Hudson Counties Title and L. S. Booth, Seattle, Wash. Presi­ )klahoma-Howard Searcy, Wag- Mortgage Co. dent, Osborne, Tremper & Co. oner. President, Wagoner Vice Chairman, McCune Gill, St. Committee on Advertising District No. 4: Charles P. Wattles, County Abstract Co. Louis, Missouri, Vice President, Chairman. Porter Bruck, Los Angeles, Calif., Ohio--V. A. Benneholt, Tlftln. Kansas-Pearl K. Jeffrey, Colum­ Title Insurance Corporation of Chairman. Asst. Sec., Title In­ bus. St. Louis. surance & Trust Co. President, Seneca Mortgage Co. Tennessee-Guy P. Long, Mem­ Colorado-Carl E. Wagner, Fort Secretary, Andrew M. Sea, Jr., Russell A. Davis, Fairbury, Neb. Morgan. Manager, Morgan Louisville, Kentucky, Secretary, Manager, Jefferson County Ab­ phis. Vice-Pres., Union & Plan­ ters Bank & Trust Co. County Abstract & Investment Louisville Title Co. stract Office. Co. Judiciary Committee C. Barton Brewster, Philadelphia, Kentucky-Chas. A. Haeberle, Louisville. Louisville Title Co. New Mexico-A. I. Kelso, Laa Harry M. Paschal, Atlanta, Ga., Pa. Title Officer, Commonwealth Cruces. Secretary, Southwest­ Chairman, Vice-President At­ Title Insurance Co. Indiana-Charles P. Wattles, ern Abstract & Title Co. lanta Title & Trust Co. (South­ H. Laurie Smith, Richmond, Va. South Bend. Secretary-Treas­ eastern Reporter). Exec. Vice.President, Lawyers urer. Northern Indiana Abstract District No. 10: George Burgess, Dallas, Texas, Title Insurance Corp. Co. Attorney, Stewart Title & Guar­ C. A. Vivian, Miami, Fla. Sec.­ Texas-Charles L. Adams, Lub­ anty Co. (Southwestern Re­ Manager, Florida Title Co. bock. Manager, Guarantee Ab­ District No. 5: Lionel Adams, stract & Title Co. porter). Legislative Committee Chairman. E. L. Smith, Birmingham, Ala. James M. Rohan, St. Louis, Mo., Alabama-E. L. Smith, Birming- Vice-President Title Guarantee District No. 11: W. P. Waggon­ General Chairman. President, ham. Vice-President, Title er, Chairman. Loan & Trust Co. (Southern Re­ Land Title Insurance Co. of St. Guarantee Loan & Trust Co. California-W. P. Waggoner, Los porter). Louis. Louisiana-Lionel Adams, New Wellington E. Barto, Camden, N. Angeles. Exec. Vice-President, Orleans. Vice-President, Union California Title Insurance Co. J. Vice-President & Secretary, Title Guaranty Co. West Jersey Title & Guaranty District No. 1: Odell R. Blair, Utah-Robert G. Kemp, Salt Lake Co. (Atlantic Reporter). Chairman. Mississippi-M. P. Bouslog, Gulf­ City. Vice-President, Inter- New Jersey-Arthur S. Corbin, port. President, Mississippi Ab­ mountain Title Guaranty Co. Olaf I. Rove, Milwaukee, Wisc. stract & Title Guarantee Co. Law Dept., Northwestern Mutual Passaic, N. J. President, Guar­ Nevada-A. A. Hinman, Las Life Insurance Co. (North­ antee Mortgage & Title Insur­ Vegas. President, Title & Trris t western Reporter). ance Co. District No. 6: W. A. McPhail, Company of Nevada. New York-Odell R. Blair, Buf­ Chairman. J. L. Mack, San Bernardino, Calif. falo. President and Treasurer, Arizona-L. W. Coggins, Phoenix. President, Pioneer Title Insur­ Title & Mortgage Guarantee Arkansas-M. K. Boutwell, Stutt­ President, Coggins Title Co. ance Co. (Pacific Reporter). j.tart. Secretary-Manager, Home Co. . Abstract & Insurance Agency. George L. Bremner, Cleveland, Connecticut-James E. Brincker­ District No. 12: J. W. Woodfor'J. Missouri-Ralph Becker, St. Ohio, Title Officer, Cuyahoga hoff, Stamford, Fidelity Title & Washington--J. W. Woodford, Abstract Title & Trust Co. Trust Co. Louis. President, Mechin & Voyce Title Co. Seattle. President, Lawyers & (Northeastern Reporter). Rhode Island-Ivory Littlefield, Realtors Title Insurance Co. Providence. Vice - President lll"nois-W. A. McPhail, Rock­ Committee on Membership Oregon-B. F. Wylde, La Grande. Milton G. Gage, Sterling, Colorado, Title Guaranty Company of ford. Secretary-Treasurer, Hol­ Rhode Island. land-Ferguson Co. Sec. and Manager, Abstract & Chairman. President, Platte Title Co. Valley Title & Mortgage Co. Massachusetts-Theodore W. El­ President and Secretary of each lis, Springfield. President, Ellis District No. 7: G, JI, V~rmilr*; Idaho-0. W. Edmonds, Coeur d' etate association. Title & Conveyancinii Co. Chairman, ~Jene. fa,nh!\riq!e .t\bstra,ct Cr,i, 12 State Associations Arkansas Title Association Kansas Title Association North Dakota Title Association President, M. D. Kinkead, Hot Springs. President, A. N. Alt, Topeka. President, C. B. Craven, Carrington. Arkansas Trust Company. Columbian Abstract Company. Vice-President, Frank Halliday, Stanton, Vice President, Jas. R. Greer, Fayetteville. Vice President , R. B. Rohrer, Junction City. Secretary-Treasurer, A. J. Arnot, Bismarck.. Greer Abstract Company. Geary Count y Abstra ct Co. Secretary-Treasurer, M. K. Boutwell, Stuttgart. Secretary-Treasurer, Pearl K. Jeffery, Colum• bus. Ohio Title Association California Land Title AHoclatlon Michigan Title Association President, Earl K. Solether, Bowling Gr'een. President, C. J. Struble, Oakland. President, A. A. McNeil, Paw Paw. Executive Vice-President, J. Frederick Rupert, Oakland Title Insurance & Guaranty Co. Toledo. Van Buren County Abstract Office. The Title Guarantee & Trust Co. 1st Vice-Prealdent, Porter Bruck, Los Angeles. Vice President, Otto L. Godfrey, Muskegon. Title Insurance & Trust Co. Secretary-Treasurer, Leo S. Werner, Tciledo. Bankers Abstract & Title Co. The Title Guarantee & Trust €0. . 2nd Vice-President, R. F. Chilcott, San Secretary, C. W. Seery, J?ontiac. State Councilor, Fred A. Hall, Cleveland. Francisco. Union Title & Guaranty Co. Land Title Abstract & Trust Co. Title Insurance & Guaranty Co. Treasurer, H. J. Hatfield, Battle Creek. Executive Secretary, Frank P. Doherty, Loa Realty Bond & Mortgage Co. Angeles. Oklahoma Title Asaoclatlon Suite 619, 488 South Spring St. Minnesota Title Aseoclatlon Assistant Secretary .. Treasurer, Harvey Hum­ President, Leo A. Moore, Claremore. phrey, Loa Angeles. President, A. F. Kimball, Duluth. Johnston Abstract & Loan Co. Security Title Insurance & Guarantee Co. Pryor Abstract Co. Vice President, H. N. Mullican, ChickJLSha. Vice President, H. M. Hanson, Warren. Washita Valley Abstract Co. Secretary-Treasurer, E. D. Boyce, Mankato. Secretary-Treasurer, J. W. Banker, Tahlequah. Colorado Title Aaaocletion Blue Earth County Abstract Co. The Cherokee Capitol Abstract Co. President, R. A. Edmondson, Akron. Washington County Abstract Co. Missouri Title AHodatlon Oregon Title Association Vice President, Frank E. Parks, Pueblo. Pueblo Title Guaranty Co. PrP.Sident, C. D. Eidson, Harrisonville. President, W. E. Hanson, Salem. Union :Ab­ ' Hight-Eidson Title Co. Secretary-Treasurer, John T. Morgan, Boulder. stract Co. Boulder County Abstract of Title Co. Vice President, W. A. Lincoln, Springfield. let Vice President, R. D. McClallen, Entell'­ Lincoln Abstract Co. prise. Wallowa Law, Land & ·Abstract Co. Secretary-Treasurer, Chet A. Platt, Jefferson 2nd Vice President, Arthur R. Wilson, Klam­ Connecticut Title Association City. ath Falls. Wilson Title & Abstract Co. Burch & Platt Abstract & Insurance Co. President, William Webb, Brl!lgeport. 3rd Vice President, F. E. Raymond, Portl&ncl. Pacific Abstract Title Co. Bridgeport Land & Title Company. Montana Title Auoclation Vice President, Carleton H. Stevena, New Secretary-Treasurer, B. F. Wylde, LaGrande. Haven. Real Estate Title Company. Preeident, W. B. Clarke, Miles City. The Abstract & Title Co. Secretary-Treasurer, James E. Brinckerhoff, Custer Abstract Co. Stamford. Fidelity Title & Trust Company. lat Vice President, C. C. Johnson, Plentywood. Sheridan County Abstract Co. Pennsylvania Title Association Florida Title Association Znd Vice President, C. W. Dykens, Lewistown. President, John E. Potter, Pittsburgh. Realty Abstract Company. Pres. Potter Title & Trust Co. President, Lore Alford, West Palm Beach. 8rd Vice President, R. L. Welliver, Circle. Vice-Pres., John R. Umsted, Philadelphia. Atlantic Title Company. McCone County Title Company, Con.-Equitable Title & Tr. Co. Vice President, D. H. Shepard, Pensacola Secretary-Treasurer, C. E. Hubbard, Great Secretary, Harry C. Bare, Ardmore. First District. Falls. Merion Title & Tr. Co. Vice President, Mra. N. Lee Talbott, Green Hubbard Abstract Co. Treasurer, John H. Clark, Chester. Cove Springs. Delaware Co. Tr. Co. Second District. Nebraska Title Association. Vice President, J. B. Nickell, Tavares. Third District. President, Russell A. Davis, Fairbury. South Dakota Title Asaoclatlon Vice President, Albert P. Smith, Jr., Sarasota. Vice Pres., lat Dist., Frank C. Grant, Lin- coln. President, John Claymore, Huron. Fourth D.istrict. Beadle County Abstract & Title Co. Vice President, J. H. Early, Miami. Vice Pres., 2nd Dist., John Campbell, Omaha. Vice-President, C. E. VanVlack, Rapid CitJ. Fifth District. Vice Pres., 8rd Dist., W. C. Weitzel, Albion. Dakota Title & Investment Co. Secretary-Treasurer, Richard H. DeMqtt, Win· Vice Pres., 4th Dist., B. W. Stewart, Beatrice. Secretary-Treasurer, H. R. Wood, Redfield, ter Haven. Vice Pres., 6th Dist., H. F. Buckow, Grand Spink County Abstract & Insura~ce Co. Florida Southern Abstract-Title Company. Island. ,, . Vice Pres., 6th Dist., J. D. Emerick, Alliance. Idaho Title Asaoclatlon Secy.-Treas., Guy E. Johnaon, Wahoo, Ham­ Tennessee Title Association i 1 President, Tom Wokerslen, Fairfield. ilton & Johnaon. President, J. M. Whitsitt, Nashville• , . :·: . ., i Camas Abstract Co. Guaranty Title Trust Co. · Vice-President, (North Div.) 0. W. Edmonda. New Jersey Title Aaaoclatlon Vice President, Richard H. Anderso'n, Mem:illiia. Coeur d'Alene, Panhandle Abat. Co. Memphis Abstract Co. , ,, . .. Vice-President, (S. E. Div.) A. W. Clark, President, Cornelius Doremus, Ridgewood. Pres. Fld. Title & Mort. Grty. Co. Secretary-Treasurer, F. A. Washington, ' Naa~ Driggs. ville. ~ - i Teton Abs tract Co. lat V.•Pres., William S. Casselman, Camden. Guaranty Title Trust Co. · · · · · · · Vice-President, (S. W. Div.) M. L. Hart, West Jersey Title Ins. Co. Boise. 2nd V.·Pres., Frederick Con11:er, Hackensack. Security Abstract and Title Co. Peoples Tr. & Grty. Co. Texas Title Association Secretary-Treasurer, J. H. Wickersham, Bolae. Secretary, Stephen H. McDermott, Asbury President, Herman Eastlaµd, Jr., Hillsboro. Boise Trust Co. P11rk, Eastland Title Guaranty Co. Monmouth Title & Mort. Grty. Co. Vice President, Chas. ·L. Adams, Lubbock, Illinois Abstracter& Association Treasurer, Arthur Corbin, Passlac. Guarantee Abstract & Title Co. Grty. Mort. & Title Ina. Co. President, Judge Will M. Cannady, Pax.ton. Secretary-Treasurer, James H. Eastland, Hllht· Ford County Abstract Co. boro. Vice President, J. E. Morrison, Joliet. New Mexico Title Association The Peoples Abstract Co. President, William Hutchineon, Santa Fe. Washington Title Association Secretary, Harry C. Marsh, Tuscola. Hutchinson Abstract C'o. Douglas County Abstract & Loan Co. Vice-Pres., Mrs. Belle McCord, Carl1bad. President, Almln L. Swanson, Tacoma. Treasurer, D. L. Bennett, Petersburg. Guaranty Abstract & Title Co. Tacoma Title Co. Sec.-Treas., W. S. Moore, Carlsbad. Vice President, W. L. Sax, Colville. Stevens County Abstract Co. Indiana Title Association Eddy County Abstract Co. I Secretary-Treasurer, Elizabeth Osborne, President, J. E . Morrison, Indianapolis. New York State Title Association Yakima. - Union Title Co. Yakima Abstract & Title Co. Vice Pres., M. Elmer Dinwiddie, Crown Point. President, William Warren Smith, Buffalo, t Allman-Gary Title Co. Abstract Title and Mortgage Corp. Wisconsin Title Association ~ecy .•Treas., Orville Stevens, Angola. Vice Pres., Southern Sec., Edmund J. Mc­ Grath, Riverhead. President, J. B. Purdy, Racine. Iowa Title Association Vice Pres., Central Sec., B. A . Field, Water­ Knight-Barry Abstract Co. town. First Vice President, Agnes E . Beno!', Ashland. President, F rank N. Stepanek, Cedar Rapids. Vice Pres., Western Sec.. R. B. Wickes, Roch­ Ashland County Abstract Co. Linn County Abstract Co. ester, Abstract Title and Mortgage Corp. Second Vice President, C. H . Weirick, · Janee­ Vice President, T. V. Hart, Knoxville. Treasurer, Fred P. Condit, New York, Title ville. Secretary, W. H. McHenry, Denison. Guarantee & Trust Co. Rock County Abstract Co. Crawford County Abstract Co. Secretary, S. H . Evans, New York, 149 Broad­ Secretary-Treasurer, George H. Decker, Wansau. Treasurer, C. L. Clark, Corydon. · way. Wausau Abstract & Title Co. And "every precaution and protection" cer­ tainly includes the permanence of the paper, on which the title is written. Obviously. such a document should not disintegrate with f age. It should be as secure against yellowing as a certificate is against disproof. All that is necessary is to standardize on L. L. Brown certified record papers. Each is as authoritatively guaranteed as the most pre­ cisely prepared title certificate. Each is cer­ tified to be of supreme quality, permanence and durability in its grade. L. L. Brown papers are made from none but white linen and cotton clippings. The exact percentage used in each is plainly stated. The L. L. Brown mills are the only ones making ledger, linen and bond papers from none but white Under the Title­ rags-which explains, in part, why L. L. Brown papers have been preferred by county the Pa er officials and business executives since 1849. The booklet, "Certified Papers," describes "Land is dirt worth so much the load. When this new certified service for abstracters. real estate is purchased, it is the title that is Without obligation, this instructive booklet bought. Those supervising transactions for together with samples of L. L. Brown papers others should see that their clients are afforded w111 be sent to interested executives upon every precaution and protection.'' request. Address L. L. Brown Paper Com­ Thus an editorial in TITLE NEWS. pany, Adams, Mass. L. L. BROWN - RECORD PAPERS give clear title to permanent security and prestige

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