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A woman. minding a little toddling‘ child on the doorstep, tells me that Mrs. Haas does live there, eyeing me at. the" same time with a cunning-1y suspicious look. Desiring the cabman to wait for me. and rather glad 3.0 see a policeman ,at the corner of the street. I follow The woman’s directions, and a minute later find myself in the presence of the Ger- man violinist's wife. I shall not ask Ronald Scott to go with‘ me this time. I dare say he will be very angry_ with me for not asking him; but I have given him trouble enough already. and can do what I have to do jusf as well without himâ€"indeed, perhaps. a great, deal;better. I am going to see the Mrs. Haas who lodged in the same house with the Baxters, the ‘woman who gave evi- dence at the examination before the mag istra-te, the wife of the German violinist, the last person perhap who saw Lily Baxter alive. I‘ reach Slator‘s Buildings after much dnving through devious streets and lanes of whose existence even I had not been cogmzantâ€"wretched places the mere sight. of which makes me wonder how any hu- man being could live and breathe their loathsome airs. But Slator's Buildings are not so bad as some of these, nor is the tenement-house I am in search of in such lamentable want of repair and ven- tilation as some I have passed in my Journey to it. _ She is a German tooâ€"I know it before she speaksâ€"a stolid. good-humored-look. inc woman with round blue eyes and fiaxen hair smoothly‘ drawn back under a white cap. Her rnc-m‘ is quite neat. and clean; she was working a sewing machine when I tanned at the door: but she has left.- her ‘work ,m speak to me. poflte‘v offering me a chair. But I do Mt Fit down; I tell her that I am in a hurry. but would be zlad if she could Ml} me anything nhe knew about the neople who had lodged in the house in the summer Mary Anne comes back in the cab, I put on my warm cloakâ€"the day is raw and chillyâ€"and set out on my erratic ven- ture. without saying a word to any one of where I am going. Nobody will see me; even if this had been a day when people would be likely to be out of doors, no- body could recognize me through the thick gauze veil I have tied closely over the upper part of my face. If Ronald Scott calls at Carleton Street, he will suppose I have gone to see Olive Deane, or the Rollestons. who came back to town yes- terday. But he is more likely to meet me at the railway-station at three o’clock ~indeed he is almost sure to be there. to look after my luggageâ€"one portman- te'auâ€"aod to wish me good-by: How the visit can benefit the cause I have taken up I do not know. Butsome strange impulse prompts me to make itâ€" not prompts me merely indeed, but drives meâ€"I can. describe it by no other word. I feel impelled to go and see this wo- man. She had corroborated Mrs. White’s evidence. and Mrs. White ’I believe to have perjured herself. But she had only sworn to what she knew, or thought she knowâ€"if Mrs. White identified her daugh- ter’s body, surely she, Mrs. H‘aag, would naturally be led to see in everything corroborative evidence that the body was Lily Baxter‘s bodyâ€"though at the in- quiry she had stoutly denied having ever seen the brooch before which was found fastening the collar of the drowned girl. This circumstance alone gave me an idea that the woman might be honestâ€"had been honest in her conviction that the girl they had found floating in the river was none other than the girl she had last seen alive on the morning of the twenty-second of July. I know from the newspaper report where Mrs. Haag lives, or did live at the time of the inquiry into Lily Bax- ter‘s disappearance. If she has left Sla- tor's Buildings. somebody there will be able to tell me where she has moved to probably, or the people at. the theatreâ€" I remember its name and situationâ€"will be able to give me her Husband’s ad- dress. I have become quite clever at hitting on expedients now, though my cleverness has led to so little. But my want of success has not. daunted me, though I did lift up a. lameytable-voice in my own room last. night and cry as if my heart would break. But this morn- ing my courage has come back to me, the 01d indomitable will which Aunt Rosa. calls stubbornness. the obstinacy which I must have inherited rrom the great- great-grandmother whose eyes have been transmitted to me, and who was known a}; the most pig headed women of her ifmé. have finished my breakfast, put on my bonnet, and sent Mary Anne, shel- tered by my own umbrella, to fetch a cab. I have a regard for this stolid, grimy-faced maid of all work. She had been kind to the poor lad who used to lodge hereâ€"had she not on one occasion left my newly-lighted fire to its own de- vices to attend to his dinner? It Mary Anne would like a. situation in the coun- try, I will find one for her; but I doubt ir Mary Anne could live out of the base- mgnt q_f_ a London _lodging«h9use. _ . It still rains, a fine cheerless drizzle. But I am not thinking of the weather as I stare straight before me at the dingy "Coming of Age of the Heir” which reminds me so much of the weeks I spent here last Marchâ€"those happy careless weeks when Gerard Baxter and I fell in love with each other. Then the gloomy old room was a, fairy land to me, a fool's paradise wherein I sat and dreamed of a. day that was never to be. Now no boyish ’laugh echoes down the stairs, no suspicion of cigar-smoke comes waited up from the hall-door steps. Only all the place is full of a. haunting pres- ence, the sorrowful ghost of the poor proud boy who had dared to fall in love with me. and whom I had been too wise or too weak to' save How can that girl he married care so little about him? She is his wife, he her husband. If she be indeed alive. how can she let him lie in such jeopardy? She had cared for him once; he had said to me that day at Woodhayâ€"“She was fond of me,â€"I will do her the justice to say that she was fond of me. miser- able beggar that I was.” If she has any feelinzqfor him still left in her heartâ€" if she does not hate him utterly, as her mother hates him, how can she leave-him to languish in prison. accused of a. crime of which she alone could prove him in- nocent? I _believe her mother to. be a stupidly v1cious_ woman. who would shrill}; from nothing short of actual im- plication in crime. But the girl had the face of an angelâ€"I cannot believe her capable of the horrible cruelty of allow- Ing her husband to die when a word from her could save his life. CHAPTER XI..â€"Cont'd) OR. THE MEMORY OF A BOY WITH DARK EYES. ‘ ' 'CJLIHI'I 'V‘OVIVQ IO ‘00 1V°IIIHO Q Dfild 'IVIIOIL'“ czt 1.15122ma max re xoq z ‘09: 6an snoxoflucp .mpo An: .10 umde ‘auquzom ‘pmuuoo: ‘unoosuaqd umuoo zou op lieu cam {mi Baum qsxusA [Ivâ€"saucepwq an“:qu ‘Buumdsâ€"soqomcq ofi [uxnouâ€"soqotpcoq 1mg éiamm 3119898311 oo-nau-nn â€"the Baxtersâ€"and if she thought it pos- sipr dthat I could see the room they oc- cume . She shakes her head; she does not think it possible. that I could see the room-- the landlord had the keyâ€"it had not been let since-â€"people did not seem to care about taking itâ€"nobody cares to take a place which has a bad name, and people will always give a bad name to a. place where such a. thing happensâ€"1t is Silly: but people always do it. She speaksoin quaint German-English. I rather like her, and her honest round blue eyes. She tells me all she knows about the Bax- ters, with hesitation. I can see that. it ‘has never dawned upon her but that Lily llaxter is dead; no doubt of the body hav- ing been her body has ever entered her head. That she did not recognize the brooch is nothingâ€"she might have had twenty brooches without Mrs. Haag see~ ing themâ€"~and- she was not observantâ€" she could not even swear to the dress she had onâ€"it was the red hair she re- cognized, she said, and the black-cloth jacket. That almost everybody wears a black-cloth jacket did not seem to have struck herâ€"she took it for granted that the girl found had been the girl lost, and. when the girl’s own mother swore to her identity. it was not for her to doubt. I could see all this plainly in every word she saidâ€"she had taken it for granted that the drowned woman had been her neighbor; and there, with true Gegman phlegm, she had let the matter res . . “Thank you very much.” I say hurried- ly. slipping a note into the woman’s hand â€"I say it is for the baby whom I see asleep in the cradle. and turning to leave the room, "with an Hope‘s torches lit in bot_h_my eyes_.” _ I _ _ > She is gone about five minutes, ‘which time I spend gazing out. between the geraniums on the window-Sill at my cah- man, who stands beside his vehicle in” the narrow street, rubbing his hands to-' get-her and glancing impatiently from time to time at the open door below. Mrs. Hang comes back at last. “I thought my neighbor 1n the next house might know the Rafi's’ addressâ€" she too is a Germanâ€"she can hardly speak any English. She says it is a place called Frigate Laneâ€"a very low placeâ€"she hap- pens to know. because about two months ago she heard from one of the children. and she still had the letter by good ethane, intending some day to answer 1 . "1â€"11â€"55e Eéaame does not intend to go go that place,” the woman says, detain- ang me. “It, would be no place for ma- ame.’f 77 7 “But had she no friend at all. no com- panion, no 01d school-fellow?” I ask. look- ing hard into the woman's comely unex- nressive face. “Did you never hear her speak of any comradeâ€"of any acquaint- ance evenâ€"it seems so strange for a. girl {40?have no friend of her own age, doesn’t t u “The Hon painter would not allow her to have ahy friends," Mrs. Haag repeats stolidly. “It was no reason they quar- reled, it was one thing which made us dislike him; he was cold, cruelâ€"he was too proud. There 'were some people lodg- ing here-a German and his familvâ€"the father played the ‘cello’ in the orchestra with my husband. They werernot for- tunateâ€"the father drank too much beer ~thc mother was deadâ€"of lehe children, two played parts in the theatreâ€"juven- ile partsâ€"and one was a cripple. Mrs. Baxter took a fancy to the little cripple,” or the child took a fancy to herâ€"one or the other. But the. Herr soon put a. stop to it; and 500m the Rafi‘s went. away to some other theatreâ€"I know not where. They were to be pitied, those children!” "Do you know where they are now?" I ask_ eagerly: “I do not know. The father was a. poor wretch, always besotted with beer. How he kept his situation in any orchestra I do not know. But he was a good musi- cianâ€"he had talentâ€"it was a thousand pities he could not keep himself steady." “The crippled childâ€"how old was she?” "Ten or eleven, perhaps; but she looked like an old woman. She fell through a trap on the stage and hurt. her backâ€" she was playing in a. Christmas panto- mimeâ€"and she never recovered from it. She was like a witch or a. monkey. But she loved' Mrs. Baxter, that child! She loved" her with her whole heart. and sou . . I must find that child! f "Can you not give me. any claw by which I might. find that. family? 1 do not mind spending moneyâ€"I have plenty of money. Aril’tlldll would give anything to see that c l n Mrs. Eaag‘ star¢s at me. My excitement puzzles her. “Wait a, moment." she says, and. leav- ing me in possession of her trim little rogm, _she goes _down-_stairs.. “Oh. I am not afraidâ€"I must go!” I exclaim. thinking of Ronald and Aunt Rosa, but feeling very much as a. fox- hunter must feel when he hears the "view 113.1100.” “I dare not waste a. mo- ment; it. may be a matter of life and death: but I thank you all the same for your kindness; perhaps it may be in my payer some day _to return it in kind." The oahman closes the door upon me with a clan which speaks volumes. “Where to, miss?" “To Number Nine, Frigate Lane.” I give the address as unflinchingly as I can. It is almost at the other end of the citV-‘SO, at least, I judge from the man’s face. But, he climbs to‘his box without. entering any complaint, tucks his run about him leisurelv.‘and starts off at a pace which promises to bring us thierie about duski - - ' - I have ample time during my driva to take in the whole situation. It. does seem rather unconvéntional that I should be acting the part of a private detective in such a wretchedly dincreditable business as this: Baxter ease. I can nuito sympa- “"‘*~‘ W‘”‘ m" n’mr‘ifl P-nna‘fl's disnnm‘n- batiouâ€"tlfls day’s work will brim: hit: rh'u'alvraa‘are tn :1. Min‘a‘x- but if he had shnwn tpn times more rlhmmrnvrfl. mm. a. hundred times. it. would not have made I do not rouse any suspicion to the contrary in her mind nowâ€"it is not for that I came to Slator'a Buildings. After- ward we may take this woman into our confidence; but what I want to find out. now is whether *Lily Baxter had any friendsâ€"any girl of her ,own age, any comrade, as most girls have. Mrs. Haag does not knowâ€"she thinks Mrs. Baxter was very childishâ€"silly ratherâ€"and very vain. The painter-gentlemen had spoiled herâ€"not that she ways bad either, only silly and childish; it used to vex her husband. And he did not allow her to associate much with her neighbors; he was a. gentleman once, and kept, himself to himself, and would have her do the sameâ€"only she was so childish, she would n01;_be_said pay -by_ him. any difi‘erenoe to me. What I can do-to save the main-I lovedâ€"theman whom. through- all: my grief and‘ loneliness and desperation, I feel that .I love still in every fibre pt my undiscmlined heartâ€"I will do, if It. costs me not. only Ronald but every friend I have in the wor . When, in the course of time, and after some more «less tedious stoppages for the purpose of. inquiring the .way. the cab- finally comes to -a. standstill, ‘andaI let‘ down the .window, I am positively, startled by the extreme [wretchedness’of the locality in which »I ‘find myself. .- So sgnalid is it that .I shrink from the idea. 0 . stepping out-,into the imud andfldlrt,‘ amongv‘the swarms of ragged children who look '-as if'fresh‘sir and soap and water were alike-unknown luxuries. The air is horrible to breathe. refitted clothes. hung high overhead on lines stretching across the narrow street, drip with mois- ture. the sidewalks are strewn with refuse of fish and vegetables. In all my life be- fore I have never been in such a. place, and my first impulse is to turn my back upon it”shen and there. But I thin of an evening not. very long ago, of 3, mt. clean gold-green sky, of a boy who had promised to love me, holding me to his heart in the starlight; and. drawing a. long breath, which» is almost a. sob, I step out. of the cab. desiring the man to wait for me as before, and cross the muddy pavement _Wl‘l,l1 my silk sklrt held'tightly 1n11ny hand. _ .; 7 f Standing in the narrow entry, I eye the broken dirt-begrimed staircase dubiously, winding upward between walls the idea, of coming into contact with which sends a shudder through my veins, so Wains- coted are they by the grimy hands and shpulders of I know not how many gener- ations of ragged passers up and down. But it is for Gerard; the thought. nerves me to encounter even the nameless hor- rors of that ill-lighted staircase and I know not what further dons of foul air and wretchedness to which it leads. And. with the further assurance that, in a, few minutes I shall have left Frigate Lane and all its horrors, behind me, I set out on my advengnrqus quest. Gold and Sliver Gavin current. ’Domi'nion Government {De- “Dov théflliiafl‘s live hex-é?" I ask of one of the wretched-looking children who have croyded round me. "Yers’f'; i171éfi§hrlnhnswers not uncivillyf “they hve at No. 9â€"right at the top of the house.” _ Rest Account . . . . . Dividend .No. 63, vpayamle 2nd January Former Div-wands unpaid . . . . . . . . . . . Inwarth accrued on Deposit Receipts. . Balance of Profits carried forward . ._ Capital Stock pafld up . . . .z. . . . . Demos-its made by Banks in the Un-i-te-d States Balance due to other Banks in Canada. Balance due no Landau Agents . . . . . . . . . ... . Notes of the Bank {m circulation Demos-its bearing interest, 1m- cludlng interest accrued .to date . . . . . . . . . . . . . . . . $1,566,224.11 Deposits not beaming interest v 8,411,414.14 .The Directors have much pleasure in submitt‘mg' their TWenty-sseve‘nth 'AnnuaI Report and balance sheet 011110 affairs 0: the Bank. as of the 3'01tzh December, 1911, togeth er with Profit and Loss Account. showing .the result of the operations or the Bank for the year which ended that day. The net profits of the Bank, after making fun provision. for alt] bad and doubtful debts, amount to $604,133.78, being 13.80 per cent. on the paldhup capital of the Bank, which: has been applied as follows: 'Dhe net profits for t-he ¢welve months, after making provision for bad an.d‘dou.btfm1ddbtas,;and reserving “u “u __ You will observe $200,000 has :been added to Rest Account. The Rest Account as lnow $2,500,000, .otâ€"Eh‘o‘fitvaflipet cent. or the subscribed and maid-up cap-Half): ~the Bank. ' The lbu-stnegs 0-! the Bank continues to grow most s-atlsfmtoriiy, as the comparative statement submitted: shows. The deposits during the year have increased- $4,19 3,898.29. and the circulation has increased 3583,5955 I The Head Office and am the Bramcshes have been carefully inspected during t-he year, «and a full report not, each! office brought in review before. your Directors, and, in addition 'to these. inspections. a Oo-mmfltte’e of the Directors. other than the officers, and compose-(1.01 Mr. 'E. F. B. Johnston, K.'C., Mr. W. J. Sheppard, Mr. C. S. Wilcox. and; Mr. H. as. Strat-hy, was appointed to examine and appraise all the securities {held at the Head Office, which Urey am. and I reported :to the Board that -t;hey are as represented -to It. a-cciued interest, amount to . . . . . . . . . . . . . . . . Balance at credit of Profit and Loss last year . The increase in. Bank premises is partly accounted for by dds-charging the enc'umbrances which existed at the ilm'e of the purchase of Vancouver and Winnipeg properties, and partly by rthe purchase of the property immediately east of your Head Office Building. which was acquired at a. reasonable figure, a. porublon of Men will be used for 12h ‘ punposes of the Bank. This purchase W'lll he of great. ad vantage in protecting the ugh-ting of the east side 0! 11h.- Head Office Build-ins. Your IBank premises now comprise 34 separate buildings. 1 Notes of and Chequers on other Banks . . Balance due {rom sot-her:- Bank-s . . . . . .‘ Balance due from Foreign Agents . . . . . . Dominion and Provincial Government The D! :e‘ct m . - , . e , , 7. under review? ors haye uah pleasure in testifying o the good work performed -by the Staff during the perdodl- aunties Railway and other Bond-s, Debentures other Securities Call and Short Loans on Stocks, Bond other Securities Call and Short Loans on Stocks, Bond 5- o‘uher Securities in United States . Biuts d-iscounfed current . . . . . . . . . . . . .‘ Notes ddsco-um'ted over-due. (estimated loss ~vided tvo-r) Loans to other Banks. s-ecured- . . . . . Deposit; with Domd-nfiog Gpvgfrymegit r cur-1&3? VgTeHéwfélwfi-afik Note Circulation Real Estage, Que property ot_the B-‘ank (other Arban msauc, u”; gulp»- t] V; u-c wan... \. v. . whan-the Bank premises) Mortgage; on Real Estate acid ‘by the Ban Bunk-p‘termisea ........;......... Bank turngure, safes, emu-u '.............. Mr. C. D. Warren, the, President, having taken the chair, the General_Manager. Mr._Stuart Strathy, was requested to act as Secretary of the Meeting. On momon, Messrs. E. Galley and J. K. Nwen were appomted Scrutiueers. The minuteu of the last Annual Meeting were taken as read. - . ' ‘ DI R ECTORS’ REPORT TORONTO. 23rd January- .1912. mand Note-.9 The Traders Bank of Canada Appr-opriate§_ as follows: v'§z.: u...» v- "u.-." .. .-..,-_.____‘ __.~..fi-_~_v CHAS. D. WARREN, 'Pres'ddent. The General Manager read the Gemrg1_s{aternent of the Bank, as of 30th o: Qecembe-r, 19.11, as follows: ALI of which 'is respectfully submitted. Dividend No. 60, quarterly, at the rate 0 Dividend No. 6‘1; quar‘terJy, at Ithe rate. 0 Dividend No. 6‘ ,’ quarterly, at the rate 0 Dividend No. 6 . quarterly, at the rate-o- Transferred 'to R‘cst’ Account . . . -. . . . . . . . . Written off Bank Furniture . . . . . . . . . . . . Transferred to Officers' Guarantee Fund Transferred to Officers! Pension Fund .. Balance at credit of Profit and Loss, mew The Twenty-Seventh Annual Meeting was held at noon on Tuesday, the 23rd of January, 1912. Proceedings of the Twenty=Seventh Annual General Meeting. "11.1 ho EnriEiVIued.) CHAPTER XII. COMPARATIVE GENERAL STATEMENT s 541,080.07 5,430,070.00 for Any: fair-minded man who argues for a. thing long enough can'con- Ce'ylt‘m “Are Nevér Sold in milk-Form,” Bat-in Sealed Air Tight Phékets Ofilyu-Bldck, Mixed or Green. pro- and‘ and :Se- There is: Always 3 Danger of Bulk Teas becoming contaminated with foreign odors injurious \ to their flavor and healthfulness I19 Jams: Strut. Haiti-cal. sotuolflnnon Building}, TORONTO. - V M col CANADA SECURITIES CORPORATION, LIMITED Investments for the New Vear FREE Samples Mciled on Enquiry. Address: “SALADA,” Toronto. on 30th December, 1 9 l l Magnum $4,354,500.00 2,500,000.00 81,090.00 034.52 23113-0 181,208.67 $4,373,675.00 39,977,aas.25 612,943.46 14,974.51 322,001.41 $6,981,350.07 2,517,273.41 588,326.52 1,385,380.74 1,315,s94.44 1,723,515.35 - 2,804.15 24,050.00 2,307,501.71 237,500.87 35.52.316.37 30 1,284.21 199,121.74 133.05 197,395.35 LIABILITIES We have -to ofi‘er several first-class bond investments yielding 6 per cent. net, carrying our unquafified recom- mandation. ASSETS - 1011. s 7,126,594.70 “2,427,827.42 “$01,232.63 31539534031 “2,427,827.42 $7,562,430.71 WRITE FOR FULL DETAILS $29,017,697.“ 7,000,187.18 g 487,750.57 3,843,353.00 Vince himself the opposite thing right. ' STUART STRA‘THY. General Mamas-er. M cornhlll. LONDON. ENGLAND $2,810,851.82 84.354,500.00 2,300,000.00 87,000.00 002.52 4,351.85 153,434.79 $3,790,030.00 36,077,83459 31 8,848.83 20,786.14 45,208.17 $4,331,103.57 2,020,936.82 291,070.50 1,154,912.70 501,509.37 1,720,172.48 1,445,605.24 209,000.00 3,509.05 24,500.00 2,093,332.22 ~240,439.41 167,374.13 74,608.75 7,250.77 1910. fi7,152,736.8§ s e,sso,ozo.1¢_ $11,731,370." 847.152.738.89 40,252,757.” 35.421.360.15 s 87,090.00 87,090.00: 87,090.00 87,090.00 200,000.00 15,000.00 5,000.00 5.000.00- 181,208.51 3754568457: $601,133.78: 163,434.79