Mr. W. M. Wood, Pittsburg-Inasmuch as we have the time to spare why not call the roll? It is pleasant to know who is here.

President Dolph-It is thought better to omit it, Mr. Wood.

A Delegate from New York-I move that we have the roll call and hear a verbal response from the delegates. I for one would like to know who is here.

President Dolph--Gentlemen, we will hear the roll call as requested if there be no objection.

Mr. Henry W. Littlefield, Philadelphia-Before the roll is called I ask that each member arise from his place so that we may see him.

The roll was then called by the secretary, each member arising as he responded. Those present are indicated by a star.

OFFICERS OF THE NATIONAL ASSOCIATION, 1904-1905.

President.

*John Dolph, Cincinnati, O.

Vice-Presidents.

*Percy V. Baldwin, Boston, Mass.; *William Van Sickle, Detroit, Mich.; C. C. Courtney, Kansas City, Mo.

Secretary.

*Ernest Judson Clark, Baltimore, Md.

Treasurer.

*Eli D. Weeks, Litchfield, Conn.

Executive Committee.

Chairman-*Everett H. Plummer, Philadelphia, Pa.

Secretary-*Ernest Judson Clark, Baltimore, Md.

Expire in 1905-L. B. Hall, Grand Rapids, Mich.; J. J. Mooney, Toledo, O.; *James A. Wellman, Manchester, N. H.; L. D. Wilkes, St. Paul, Minn.; Theron F. Giddings, Detroit, Mich.; J. R. Nutting, Atlanta, Ga.; Cyrus Kirk, Des Moines, Ia.; F. L. Chesney, Kansas City, Mo.; James C. Biggert, Pittsburg, Pa.; Charles E. Ady, Omaha, Neb.; *George L. Root, Peoria, Ill.; J. S. Kendrick, St. Louis, Mo.; W. R. Noble, Louisville, Ky.; *C. W. Orr, Ft. Wayne, Ind.

Expire in 1906-*William G. Carroll, Philadelphia, Pa.; *George A. Brinkerhoff, New York City; Dr. S. L. Fuller, Chicago, Ill.; *J. W. Iredell, Jr., Cincinnati, O.; E. C. Ritchie, Indianapolis, Ind.; Frank Woolley, Wilmington, Del.; *George H. Olmsted, Cleveland, O.;

*Stephen F. Woodman, Boston, Mass.; John F. Brown, Erie, Pa.; William V. Holley, Los Angeles, Cal.; William Goldman, Portland, Ore.

Expire in 1907-*M. H. Goodrich, Baltimore, Md.; J. Perley Kilgore, Worcester, Mass. ; *Charles L. Whitfield, Newark, N. J.; *E. O. Sutton, Springfield, Mass.; B. H. Timberlake, Minneapolis, Minn.; W. J. Robinson, Buffalo, N. Y.; *J. W. Fitzpatrick, Portland, Me.; George A. Cantine, Newburg, N. Y.; *A. J. Birdseye, Hartford, Conn.; W. T. Nuttall, Dayton, O.; *J. D. Boushall, Raleigh, N. C.; *F. E. McMullen, Rochester, N. Y.; Pancoast Kidder, Syracuse, N. Y.; Henry Abels, Springfield, Ill.; *Walker B. Freeman, Richmond, Va.; George A. Riviere, Mobile, Ala.

Ex-Presidents.

+George N. Carpenter, Boston, Mass.; †C. E. Tillinghast, New York City; Charles H. Ferguson, Chicago, Ill.; †Ben S. Calef, Boston, Mass.; +David S. Hendrick, Washington, D. C.; Charles H. Raymond, New York City; *Everett H. Plummer, Philadelphia, Pa.; Thomas H. Bowles, Detroit, Mich.; *Richard E. Cochran, New York City; *James L. Johnson, Springfield, Mass.; *I. Layton Register, Philadelphia, Pa.; *William D. Wyman, Chicago, Ill.; *Philip H. Farley, New York City; Hubert H. Ward, Cleveland, O.

† Deceased.

Honorary Member.
+Chauncey Monroe Ransom.

DELEGATES AND ALTERNATES.

BALTIMORE LIFE UNDERWRITERS' ASSOCIATION.

Delegates.

*W. W. McIntire, United States.

*M. S. Brenan, Mutual, Md.
*E. L. Gernand, State Mutual.
*E. W. Heisse, Ætna.

*J. K. Voshell, Metropolitan.
George M. Kimberly, Phoenix Mut.

Alternates.

William R. Moore, Travelers.
F. J. Johnson, Prudential.
G. R. Walter, Prudential.
*C. T. Thurman, Mutual Benefit.
F. A. Savage, New England Mut.
F. S. Biggs, Massachusetts Mutual.

BOSTON LIFE UNDERWRITERS' ASSOCIATION.

*Percy V. Baldwin, Travelers.
*C. S. Burke, Connecticut General.
James F. Chase, United States.
*A. H. Curtis, N. E. Mutual.
J. S. Cranston, Prudential.
*Leon F. Foss, Berkshire.
*Harry N. Haven, Phoenix Mutual.
*Louis L. Hopkins, Mutual, N. Y.
Ed. Marsh, John Hancock Mut.
*Corwin McDowell, New York.
C. E. Townsend, Equitable.
*W. H. Whitney, Union Central.
*S. F. Woodman, Travelers.
*George E. Elliott, Etna.

E. S. Barker, State Mutual.
Robert C. Bridgham, Union Mutual.
Alex. S. Browne, New York.
*W. A. Buckley, Provident Savings.
W. H. Dyer, Berkshire.

C. H. Flood, N. E. Mutual.
C. W. Gammons, National, Vt.
C. D. Hammer, Provident L. & T.
*S. C. Johnson, Columbian Nat.
R. L. Pond, Union Central.
F. C. Sanborn, Mass. Mutual.
George B. Sherman, Home.
E. E. Silver, Equitable.

J. G. White, Travelers.

*Franklin W.Ganse, Columbian Nat.

CINCINNATI LIFE UNDERWRITERS' ASSOCIATION.

Delegates.

*Collin Ford, Etna.

*J. W. Iredell, Jr., Penn Mutual. *William B. Jones, State Mutual. Charles E. Logan, Conn. Mutual. Jno. A. Ringold, Berkshire.

Alternates.

J. H. Byerly, Fidelity Mutual.
W. A. R. Bruehl, Home.
George C. Dieterly, Prudential.
Thomas L. Dix, Travelers.
E. W. Jewell, Union Central.

William D. Yerger, Provident L.& T. George C. Whitelock, Prudential.

CLEVELAND ASSOCIATION OF LIFE UNDERWRITERS.

*O. W. Carpenter, Union Central.
*E. M. France, State Mutual.
A. J. Frith, Travelers.
Herman Fellinger, Security Mutual.
*Lewis Hall, Mutual Benefit.
A. K. Hannan, Berkshire.
J. J. Jackson, Etna.
*F. A. Kendall, Penn Mutual.
O. N. Olmsted, National, Vt.
*G. H. Olmsted. National, Vt.
H. C. Quigley, Security T. & L.
J.W. Pickard, Jr.. Mutual Benefit.
*H. B. Burrows, Jr., State Mutual.

E. M. Comstock, Ætna.

F. J. Deericks, Etna.

W. A. Davis, John Hancock Mut.
*J. J. Devney, College of Ins.
G. M. Fox, Phoenix Mutual.
A. D. Hillyar, Provident L. & T.
Nathan Kendall, Penn Mutual.
W. C. Rhodes, N. E. Mutual.
E. H. Smith Prudential.
E. W. Snyder, Mass. Mutual.
R. Steinke, Metropolitan.
C. E. Thompson, N. E. Mutual.
W. G. Warner, Pacific Mutual.

CONNECTICUT LIFE UNDERWRITERS' ASSOCIATION.

*Eli D. Weeks, Phoenix Mutual.
*L. C. Slayton, Penn Mutual.
*Geo. W. Van Fleet, Equitable.
*A. T. Richards, Conn. Mutual.
*Geo. W. Staples, New York.
*A. J. Birdseye, Mutual Benefit.
*Thos. W. Russell, Conn. General.
*Rodney Kellogg, Washington.
*A. E. Howard, Travelers.
*F. A. Griswold, N'thwestern Mut.
*W. Miller Scott, Provident L. & T.

*F. W. Hodge. State Mutual.
*E. S. Gordy, Fidelity Mutual.
*William Tolman, Berkshire.
*John M. Adams, Metropolitan.
*F. Willson Rogers, Mass. Mutual.
*Frank G. Burnham, State Mutual.
*M. C. Hillery, Mutual, N. Y.
*J. C. Gorton, Conn. General.
*Harry H. Miller, Phoenix Mutual.
*C. B. Pitblade, Phoenix Mutual.

DAYTON (0.) ASSOCIATION OF LIFE UNDERWRITERS.

H. D. Keefer, Metropolitan.
J. L. Kennett, West & Southern,
W. O. Cord, Michigan Mutual.
William T. Nuttal, Prudential.
Victor P. Van Horne, Mutual, N.Y.

William R. Sullivan, Travelers.
F. M. Thomas, Equitable.
R. R. Knowles, Equitable.
Frank I. Brown, Franklin,
Milner Brien, New York.

DELAWARE ASSOCIATION OF LIFE UNDERWRITERS.

Frank Woolley, Washington.
M. Luck, Metropolitan.
G. T. Sibley, Equitable.

L. B. Morrow, Travelers.

George Deckyne, New York.

Philip Burnett, National, Vt.
George Wink, Prudential.
William Knox, Penn Mutual.
F. G. Rutly, Mutual Benefit.
Frank Sheppard, Provident L. & T.

ERIE ASSOCIATION OF LIFE UNDERWRITERS.

Delegates.

C. D. W. Brown, Northwestern.
Isador Sobel, Canada.

C. H. Baumbach, Prudential.
James R. Cullen, Mutual, N. Y.
John F. Browne, Penn Mutual.

Alternates.

William M. Nast, Etna.
E. J. Crowell, New York.
W. K. Dickey, Mutual, N. Y.
R. H Howell, Mutual Benefit.
D. D. Reed, Bankers, N. Y.

GEORGIA ASSOCIATION OF LIFE INSURERS.

*O. F. Shedden, Mutual. N. Y.
J. M. Skinner, Prudential.
R. L. Foreman, Equitable.
T. B. Lumpkin, New England.
R. N. R. Bardwell, Germania.
*J. R. Nutting, Provident Savings.
*Clarence Angier, Mutual Benefit.

J. H. Immell, Metropolitan.
W. C. Dobbins, National, Vt.
J. D. Pickett, State Mutual.
T. H. Daniel, Union Central.
E. R. Haas, Security T. & L.

HUDSON VALLEY LIFE UNDERWRITERS' ASSOCIATION.

George A. Cantine, New York.
J. H. Quinlan. Northwestern Mut.
C. P. Sadler, North American.
William Whitehead, Phoenix Mut.
William P. Howard, Prudential.

INDIANA ASSOCIATION

Pleasant Bond, Penn Mutual.
*J. F. Habbe, Mass. Mutual.
*E. G. Ritchie, State Mutual.
E. M. Post, Mutual, N. Y.
E. E. Roland. Equitable.

D. F. Swain, Northwestern Mut.

*E. E. Flickinger, John Hancock. John J. Price, Berkshire.

J. H. Hughes, Prudential.

*W. H. Dye, State Mutual.

F. M. Cantine, New York.
W. B. Quinlan, Northwestern Mut.
Henry Schonewolf, New York.
F. A. Hoyt, Northwestern Mut.
J. E. Ward, New York.

OF LIFE UNDERWRITERS.

John E. Turner, Union Central.
Frank W. Olin, United States.
W. J. Greenwood, N'thwestern Mut.
I. Brown, Metropolitan.

W. H. Hart, Equitable.

J. R. King, Mutual Benefit.

C. W. Van Cleave, New York.

IOWA LIFE UNDERWRITERS' ASSOCIATION.

A.H.Huling. Underwriters' Review. Robert N. Merritt, National, Vt.

Dr. C. H. Philpott, Des Moines.
George B. Peak, Central.
Robert J. Fleming, Mutual, N.Y.
B. N. Waller, Northwestern Mut.
Sidney A.Foster,Royal Union Mut.
*H. S. McKinney, Conn. Mutual.
*F. L. Miner, Underwriters' Review.

*Elmer Dwiggins, Central.
J. C. Cummins, Equitable, Ia.
C. E. Rawson, Des Moines.
William Parsons, Prudential.
H. E. Aldrich, Equitable, Ia.

KANSAS CITY (MO.) LIFE UNDERWRITERS' ASSOCIATION.
C. C. Courtney, Mutual Benefit.
*Frank O. Chesney, State Mutual.
William M. Drennon, Ætna.
Ira B. Mapes, Phoenix Mutual.
Howard C. Boone, New York.

C. F. Seidlitz, Mutual, N. Y.
W. P. Motley, Pacific Mutual.
W. B. Henderon, National. Vt.
C. D. Mill, New England Mutual.
H. J. Groves, Union Central.

LIFE UNDERWRITERS' ASSOCIATION OF BIRMINGHAM, ALA.

Delegates.

*W. J. Cameron, Washington.
W. H. Stewart, Metropolitan.
E. H. Andrews, Union Central.
H. W. Leyens, Equitable.
C. N. Avery, Prudential.

Alternates.

G. N. Cox, National, U. S. A.
W. L. Sessions, Prudential.
P. C. Ratliff, Penn Mutual.
R. Jamison, Jr., Travelers.
C. B. Jennings, Fidelity Mutual.

LIFE UNDERWRITERS' ASSOCIATION OF CENTRAL MASSACHUSETTS. *Chester E. Greene, John Hancock. *Dana M. Dristan, Conn. Mutual. Herbert R. Cummings, Etna. Charles M. Smith, Travelers. Luding Johnson, Phoenix Mut. *Burton H. Wright, State Mutual. S. Hamilton Coe, Mutual, N. Y.

George H. Vars, State Mutual.
Henry L. Treffind, New York.
John E. Maher, Prudential.
Lester V. Bailey, Provident L.& T.
William G. Ludlow, Metropolitan.
H. E. Townsend, Mass. Mutual.
E. Boushard, Equitable.

LIFE UNDERWRITERS' ASSOCIATION OF CENTRAL NEW YORK.

*F. E. McMullen, Etna.
*James A.Turnbull, Conn. General.
*C. M. Henderson, N. E. Mutual.
*E. R. Putnam, Phoenix Mutual.
*O. J. Moran, Metropolitan.
*C. T. Haggerty, Travelers.

LIFE UNDERWRITERS'
*Danford M. Baker, Pacific Mutual.
E. H. Carmack, State Mutual.
J. L. Ferguson, Prudential.
J. W. Janney, Provident L. & T.
Robert Skene, Mutual, N. Y.
*L. Brackett Bishop, Mass. Mutual.
*Hervey S. Dale, Union Mutual.
George R. Hemingway, Equitable.
*Fred. B. Mason, Etna.
Fred. B. Goodspeed, Phoenix Mut.
R. D. Bokum, Mutual Benefit.
W. P. Crenshaw, Conn. Mutual.
J. W. Jackson, Home.
*I. B. Merrill, Ætna.
*L. B. Snow, Mass. Mutual.
*Jules Girardin, Phoenix Mutual.
LIFE UNDERWRITERS'

H. W. Spence, Mutual, N. Y.
G. M. Wright. Equitable, Ia.
A. H. Pratt, Etna.

LIFE UNDERWRITERS'

W. P. Trumbower.

H. Haskel.

C. I. D. Moore.

Frank F. Pratt.

J. Meyer.

*S. L. Crabbe, Conn. General.
A. B. Booth, Jehn Hancock Mut.
B. G. Bennett, Northwestern Mut.
H. R. Lewis, Union Central.
F. P. Ely, Home.

H. C. McAlpine, Provident Savings.
ASSOCIATION OF CHICAGO.
W. S. Candee, New York.
J. N. Shockney, United States.
H. D. Wright, Metropolitan.
H. B. Johnston, Hartford.
C. H. Reeve, Prudential.
T. L. Fansler, Northwestern Mut.
Everts Wrenú, State Mutual.
H. M. Curtis, Conn. Mutual.
M. G. Lamb, Illinois Life.
Franklin Wyman, Berkshire.
E. D. Redington, Provident L. & T.
W. F. Workman, Franklin Life.
E. A. Nelson, Germania.
E. J. Nealy, Prudential.

ASSOCIATION OF GRAND RAPIDS.
C. H. Perkins, Mutual Benefit.
A. M. Ashley, Union Mutual.
H. E. Freeman, Mass. Mutual.
ASSOCIATION OF LOS ANGELES.

LIFE UNDERWRITERS' ASSOCIATION OF MOBILE, ALA.

George A. Riviere, Equitable.
J. D. Terrey, Mutual, N. Y.
Henry F. Wyly, Union Central.

David Kraus, Equitable.

J. R. Tapia, Prudential.
John S. Watters, New York.