The San Francisco Call. Newspaper, November 27, 1898, Page 4

FRANCISCO CALL, SUNDAY, NOVEMBER 27, 1898. Tragic Story the Affairs of the Banks. The McDonalds Ordered to Give Up One Hund Dollars in Coin. In its expose of the shameiess rob- beries that were committed in the name of the People’s Home Savings Bank and the Pacific Bank The Call has mentioned incidentally the mame of John E. Farnum. This man is the| present manager of the now defunct Pacific Bank, and The Call proposes to | tell what part he took in the ruin of the institutions in which thousands of | men and women and children had | placed their savings. Mr. Farnum’'s connection with the| People's Home Savings Bank dates, as already indicated in The Call, from a very early period in the conspiracy. He was placed in the People’s Home Sav- | ings Bank by his relative, M. H. Sher- man. He used the funds of the savings institution to assist his relative, Sher- man. in every scheme that demanded assistance. He was something more than Dr. McDonald believed. He was not only a servant of the McDonalds, but for several years he was the dicta- tor of their affairs. He stooped to| every dishonorable duty they demand- ed, and then having the dishonest| bankers in his power he commanded | them to do what he pleased. He sent them money from the People’s Home | Savings Bank in a golden stream to| the Pacific Bank in order that his rela- | tive, Moses H. Sherman, might recei\'e; it; and when this stream seemed likely | to be stopped even by the McDonalds | he commanded the bankers by delib-| erate and absolute threats to give what | money they had left for the worthless | securities of Sherman. | After John E. Farnum was placed in the People’s Home Savings Bank as | manager he became the “stool pigeon” | and outside guard of the conspiracy. | It was his duty to warn the bank| wreckers whenever the Bank Commis- sfoners threatened to descend upon | them. It was his privilege to tell thom" what the authorities were likely to do. | As soon as the money of thousands of | voor depositors was placed in the| vaults of the People’s Home Savings| Bank it was the duty of Farnum to send it to the Pacific Bank. After both institutions became insolvent this man continued in control, and even when | the McDonalds wished to call a halt he‘ commanded them to continue their | depredations and to permit Moses H| Sherman to foist his worthless securi- ties upon the savings institution. | This terrible affair in which Farnum played the leading part did not end until long after the collapse of the Pa- cific Bank and the People’s Home Sav- ings Bank. When Sherman found it impossible to keep his relative in the People’s Bank he thrust Farnum upon the Pacific Bank, and there he remains as the director and manager of what remains to the deluded and robbed ution. The events that are incidental to the placing of John E. Farnum in the Peo- ple’'s Home Savings Bank and after that in the Pacific Bank are of timely Interest. Farnum was a member of the Legislature when the Bank Commis- sioner act of this State was adopted. As a member of the Legisiature Far- num possessed some influenee, and with that influence he succeeded in| having himself made a member of the Bank Commission. In that capacity he became acquainted with the affairs and private doings of the banks of this State. He became connected with a bank in Pasadena and familiarized himself with banking methods. This was long before Sherman planned his tremendous raid on the People’s Home Savings Bank and the Pacific Bank B. O. Carr, a brother-in-law of Moses H. Sherman, was the first manager of the People’s Home Savings Bank. Mr. Carr was an honest man and necessar- ily was useless to Sherman. After $herman became a director in the Pa- cific Bank in January, 1891, he succeed- ed in securing for his relative, Farnum, the position of manager of the People's Home Savings Bank. The McDonalds had at that time plunged into hazardous speculation. The funds of the Pacific Bank and the People’s Home Savings Bank were be- ing dissipated in crazy schemes and unwarranted ventures. Sherman had already involved the McDonalds and their banks in his Phoenix schemes and he was prepared to inveigle them into the great Los Angeles electric road deal. Farnum was necessary, therefore, to the success of Sherman’s plot and the man who is now manager of the Pacific Bank was placed in full con- trol as manager of the People’s Home . Savings Bank. He had absolute power in that position until the final collapse. ‘When the end came he resigned his position, under instructions, and re- tired from the bank. Almost instantly, through the agency of Moses H. Sher- man, Farnum was replaced. The Call has already exploited the scheme of the Los Angeles manipula- tor to control the liquidation of the People’s Home Savings Bank. Sher- man had determined to protect his dis- reputabie interests in the bank and Farnum was selected as his agent. ‘When Farnum was appointed as re- ceiver, however, those who were inter- ested in the honest closing of the bank rebelled and Farnum had the unenvia- bie honor of being the receiver of the bank for two hours. He never obtained actual possession and was thrown out to be succeeded by others. Notwithstanding this tremendous de- feat Sherman was persistent. He still had the Bank Commission in his power | cific Bank to be dissipated in their wild jthe People’s Bank. This, however, was and with the assistance of Attorney General Hart and others he placed Far- | subsequently known as the Valley num in the Pacific Bank as recelver. | Street Electric Rallroad. J. E. FARNUM’'S SHAMELESS PLOT TO PLUNDER THE PEOPLE’'S BANK 1 of a Day in red Thousand | and Farnum and Sherman won out, and | to-day Mr. Farnum is the manager of [ the Pacific Bank. As already indicated in The Call the association of Mr. Farnum with the McDonalds began through Moses H. Sherman. It was through the agency of Sherman that Farnum was placed in the bank as a servant and a willing tool of the McDonalds. Before the as- sociations were closed Farnum became one of the most uncompromising con- spirators, who forced from the McDon- alds the remaining funds of the banks. Late in 1892 and early in 1893 the Pa- cific Bank was sorely in need of funds and was depending solely upon the People's Home Savings Bank for its resources. Sherman’s schemes had al- ready made the banks insolvent, but the deluded people of this city were still pouring their money into the People’s Home Savings Bank. This institution was nothing more or less than a sieve through which the savings of deposi- tors dropped into the vaults of the Pa- speculations. Farnum knew the situa- tion thoroughly and knew what was expected of him. He knew that as soon as money came into the People’s Home Savings Bank it was to be sent to the Pacific Bank and he carrfed out his contract to the letter. One of his first important letters in reference to this proposition was writ- ten early in 1893 and is as follows: SAN FRANCISCO, January 7, 1893. Mr. R. H. McDonald Jr., vice-presi- dent Pacific Bank, San Francisco, Cal.—Dear Sir: I send per our mes- senger this morning twenty thousand (320,000) dollars in coin. We have on hand a little more than we think we will need in payment of recent dividends. Besides, loans are not being applied for to any great ex- tent, and we cannot afford to keep the cash on hand without getting any interest thereon. A year ago our board of directors decided to have the rate of interest changed which your bank allowed us from six per cent to four and a half per cent, with the expectation that the money would be available for loans and investments within six months thereafter. While we have gradually drawn down our balance, still it is of such a sum as not to be of moment to us; and if your bank can now allow us from the first of January five per cent on our daily balances I. know it would be greatly appreciated by our directors. Please let me know if that meets with your favor, and I will be glad to bring the matter up before olr board at their next meeting. Yours truly, J. E. FARNUM, Secretary. ‘The foregoing letter, which was writ- ten by Farnum in January, 1893, was in a measure somewhat formal. A month and a week afterward Mr. Farnum wrote another letter in which he owed clearly how the People’s Home vings Bank was being bled to sus- tain the dying energies of the Pacific Bank. The Call promised to prove that the People’s Home Savings Bank was simply a feeder for the Pacific Bank, and in the following letter of John E. Farnum that promise is kept: SAN FRANCISCO, Feb. 15, 1893. R. H. McDonald Jr., Pacific Bank— Dear Bir: Yours at hand, and in reply permit me to say that the R. Coal Company paid only a portion of their Joan yesterday, but I expect to col- lect in all of it this week if possible. I send you $10,000 coin this 2. m., and will continue to send our surplus money for our credit with you. Your apprehension as per your letter may be well founded, but I do not look for anything of that nature, although it is well enough to be prepared. I do not know what your ideas are, but I presume there is to be a limit to the amount that you expect to re- ceive from us and a time beyond which the special deposits are expected to cease. Please let me know about that and oblige, yours truly. J. E. FARNUM. Two months later affairs in the Peo- ple’s Home Savings Bank and the Pa- cific Bank were becoming critical. The enormous debt of the Pacific Bank was rapidly approaching $1,000,000, and, notwithstanding the compliance of the Bank Commissioners, it wds imperative something should be done. Farnum and Frank McDonald understood thor- oughly that it was impossible to con- tinue thedepredations upon the People's Bank any longer, and a series of tele- grams passed between the consplirators. These telegrams show how clearly the bank wreckers understood that they would have to settle their accounts in impossible, and affairs had drifted to such a stage that Farnum himself took the reins and forced upon the dishonest bankers the concluding outrages of Sherman. He not only insisted that Sherman should be tolerated in his dis- honest manipuiationg, but he planned to foist upon the banks several more of Sherman’s worthless loans. The chiet of these loans was in reference to the Electric Railroad of Phoenix, Ariz. This road, as The Call has already shown, was built at an expense not ex- ceeding $35,000. With this investment Sherman floated a bond issue of $66,- 000. These bonds the Los Angeles and Phoenix manipulator foisted upon the Pacific Bank and the People’s Home Savings Bank. These two institutions as far as money was concerned were one. Sherman had Frank McDonald absolutely under his control, and he had had his relative, John E. Farnum, in the People’s Bank. The McDonalds had already given $66,000 for the bonds of the Phoenix Raliroad, which was ! pealing hopelessly for money. The men employes of McDonald, appraised the road far above its actual value, but| the McDonalds had accepted the bonds | and they were forced to abide by their acceptance. With a greed which seems almost inconceivable, Moses H. Sher- man determined to bleed the McDon- alds on this very proposition for §100,- 000 more. He was not satisfied in hav- ing floated a grossly excessive issue of bonds, but decided to add " $100.000 more to the issue. At that time the Pacific Bank and the People’s Home Savings Bank were in dire distress. Both institutions were nearing collapse. The Riverside bank- ers were increasing lhehl tremendous overdrafts and the McDonglds were ap- whom they had placed in the banks as servants had become dictators. Those who had been suppliants were now at | the throats of the dishonest financiers. Sherman and his relative, John E. Far- num, saw their tremendous advantage and they forced the McDonalds to ac- cept on pain of disaster the new issue of $100,000 of worthless bonds. The correspondence in reference to this transaction is of exceptional interest. brother, Frank. The first part of the message has reference to the John Brown. Colony, and is not of primary importance. The concluding part shows how Dick McDonald attempted to de- feat the men who had literally become highwaymen. They were simply stand- ing the McDonalds up as any robber would on the road. The message Is as follows: SAN FRANCISCO, Cal., May IL Mr. Frank V. McDonald, care Mr. F. S. Edminster, 44 Broad street, room 6, N. Y.: John wires “Bonds sold eighty-five; matter handed to Frank to arrange preliminaries.” Be careful; reason for suspicion; no sale made but plan to recover commissions; investi- gate carefully Immediately whether bona fide sale made witwn time on terms named. Send me your general power of attorney to sell and mort- gage realty \for Fruitvale. Hugh?s write will sue Pacific unless I:{xll pays. Hurry father's attorney. Wire Farnum immediately that ‘you re- serve right to reject any arrange- ments he or your brother may make with Sherman on FPhoenix Railway loan.” Wire him as secretary. RICHARD. The correspondence in reference to | for San Francisco. Please show this to Mr. Waterhouse and my brother. F. V. McDONALD. The reference in this telegram to Co- lumbus Waterhouse is significant. The censpirators were so insistent that they left no stone unturned to force the Me- Donalds to give up this coveted $100,- 000. Columbus Waterhouse, who was then president of the People’'s Home Savings Bank, was pressed into the service, and on the very same day tele- graphed, urging Frank McDonald to accept the propesition of Sherman and Farnum and at the same time inserting the covert threat that the Bank Com- missioners were supporting the con- spirators. Waterhouse’s telegram was as follows: SAN FRANCISCO, May 12, 1893. F. V. McDonald, care of Edminster & Co., 44 Broad street, New York: This first time commissioners have made positive proposition. We better ac- cept it. Cannot deposit with Pacific specially unless you wire approval to Farnum. C. WATERHOUSE. Even this telegram was not enough for the conspirators in their efforts to secure for Moses H. Sherman $100,000 mo out of the People’s Home Sav- 2 Y A e ’W%vw el e T - i Rt nay B g ek s T e [for a«é'*""zj/?/ 5 - s PEOPLE'S BANK A “FENCE” FOR THE PACIFIC. When John E. Farnum was manager of the People’s Home Savings Bank it was his policy to send by money that he recetved from depositors down to the Pacific Bank, where the funds were dissipated schemes of M. H. Sherman and theother conspirators. Time after time demands were made on Farnum formoremoney. He replied that he gave the money received from hi§ depositors to the Pacific Bank as quickly as it came in and he could not be expected to do any more. His letter acknowledging this fact is given above in fac-simile. messenger the in the wild The McDonalds understood thoroughly their desperate condition. They knew that at any moment the Bank Commis- sioners might descend upon them and close the banks. Dick McDonald was in this city bearing the full force of the attack. His father and brother were in New York doing their utmost to realize something upon worthless se- curities. Farnum and Sherman were in San Francisco bleeding the last drop from the banks. Dick McDonald did not dare protest. Every act that he dared perform was dictated by Sher- man and Farnum. The telegrams that he sent to New York to his brother were forced from him by these two con- spirators. They would not even let him out of their sight and went with him to the telegraph office in order that they might assure themselves that he did what they commanded him to do. They were forcing from him $100,000 in gold for the utterly worthless bonds of the Phoenix electric railroad. In all the secret history of the Paci- fic Bank there 1s no more dramatic spectacle than this. Dick McDonald, by his own confes- sion, was dishonest. He and his broth- er had placed themselves in the power of unscrupulous men and in the last incidents of this financial tragedy Dick McDonald was forced to sit at his desk with John E. Farnum and. Moses H. Sherman dictating the telegrams that were designed to take from the Peo- ple’s Home Savings Bank the savings of poor depositors. Dick McDonald did not dare rebel. The correspondence which is in ‘the possession of The Call shows that he obeyed the commands of Farnum and Sherman and sent the telegrams as they were dictated. He was caged like a rat in the office of his bank, and with these men leaning above him he penned his dispatches. The conspirators then permitted him to go, and then Dick Mec- Donald sought the next nearest tele- graph statlon {p send another telegram, countermanding what he had already sent,” and telling his brother that his first message had been dictated by the two conspirators, Moses H. Sherman and John E. Farnum. The epistolary and telegraphic corre- spondence which proves these asser- tions is of exceptional interest. This tremendous struggle between the caged banker and the conspirators who held him by the throat began in May, 1893. One of the first telegrams sent indi- cates McDonald’s position and his tre- Sherman's A series of legal complications followed | agents, Who happened to be dishonest 1 mendous effort to defeat the designs of Farnum and Bherman. The dispatch wad sent by Dick McDonald to his the tremendous theft planned by Sher- man and Farnum in reference to the Phoenix Electric Railroad came thick and fast. At the dictation of these two conspirators Dick McDonald wrote a telegram that was forced from him as it might have been at the point of a pistol. This telegram was as follows: Bank Commissioners have seen Far- num and say that we owe People's, including stock, over seven hundred thousand and cannot allow us draw out more until we make account good. They investigated Phoenix rallway, approving provided Sherman guaran- teed, also leave land additional se- curity. They pronounce Sherman financially strong. His guarantee ac- ceptable. Will also allow People’s take Electric bonds. Also other assets of ours sufficient pay everything. Per- mitting us draw one hundred fifty be- fore 21st. Sherman guarantees issue not to exceed one sixty-five bonds covering City lighting plant. Guaran- tees principal and interest. Telegraph consent. This telegram R. H. McDonald was forced to send. He sent it under the conditions The Call has already indi- cated. The conspirators and bank wreckers, one of whom is now manager of the defunct Pacific Bank, stood at his very shoulder. Frank McDonald Aid not understand at that moment the dreadful sftuation of his brother. He sent, therefore, the following sensa- tional telegram: NEW YORK, May 12, 1 R. H. McDonald Jr., Pacific Bank, Ban Francisco, Cal.: Sherman propo- sition monstrous fraud and imposition. Property, including proposed realty, not worth half the amount asked. His personal guarantee of little value. Bonds in no case worth over ninety cents. I better take to-morrow night's train back for California; then we can together defeat this imposition. / 4 FRANK. Later in the day, within thirty min- utes after the foregoing telegram was sent from New York, Frank McDonald made an appeal i a telegram to John E. Farnum. Frank McDonald was confessedly a thief, but he could not complacently see one hundred thousand dollars more go out of the bank.to Mopses H. Sherman. Frank's telegram to Farnum was as follows: NEW YORK, May 12, 1803. J. B. Farnum, Manager People's Home Savings Bank, n Francisco: Sherman far overestimates his rail- way and realty. We lcannot accept and guarantee another hundred such bonds. His failure to submit proposi- tion to me shows bad falth. We pre- fer to offer you other security. I ex- pect to leave here to-morrow night | ings Bank. Dick McDonald had been compelled to send his telegrams at the dictation of Sherman and Farnum. Waterhouse had sent an imperative message and then Farnum himself on the very same day wired a dispatch as follows: SAN FRANCISCO, Cal., May 12th. F. V. MecDonald, 4 Broad street: You must give consent to take Phoe- nix Railway bonds. It is absolutely necessary and with guarantees jt meets with approval of B. Comsrs. and our board. Answer. J. 8. FARNUM. Dick McDonald, as already indicated, was like a caged animal in the office of his bank. He sent to his brother the telegram urging him to accept the menstrous proposition that had been made by Sherman and his relative Far- num. Having sent this telegram and having escaped from the espionage of the two conspirators McDonald went to his home at 813 Sutter streei. At the corner of Sutter and Leavenworth streets he sent a telegram showing clearly under what stress he had sent his first message. In his second dis- patch he spoke very plainly to his brother. He declared that his message and all the others that had been sent on that day, May 12, were dictated by M. H. Sherman and John E. Farnum. In the telegram that will follow S. re- fers to Sherman and F. to Farnum. Dick McDonald's telegram is as fol- lew: SAN FRANCISCO, May 12, 1893. | Mr. Frank V. McDonald, care of Mr. F. 8. Edminster, 4 Broad street, room 6, New York: Telegram sent dictated by S. and F. Wire simply consent. Nothing eise. Otherwise get no money. Advise temporarily submit. Late can upset loan lllegal. I write. RICHARD. After this exciting day in the history of the bank the conspirators rested. Their outrageous deal had not yet been consummated and Frank V. McDonald made one more appeal to save the Peo- ple’s Home Savings Bank from a loss of $100,000. There was absolutely no question of the fact that Sherman and Farnum were deliberately robbing the bank, but Frank McDonald made one for appeal for honesty in the following telegram: NEW YORK, May 13, 1893. J. E. Farnum, manager People's Home Savings Bank, San Francisco: Father and self protest against the un- Jjust Phoenix Railway bond measure. Please awalt my arrival before con- ';ummmu:n. showmmehu: this and egraph answer » % The conspirators did not wait for the arrival of Frank V. McDenald. The deal was consummated and the People’s Heme Savings Bank gave to Moses H. Sherman $100,000 for 100 worthless bonds of the Phoenix Electric Railroad. He placed upon these bonds, hewever, his personal guarantee that he would be responsible personally for the payment of the money if the railroad would not. The bank now had 166 of these ponds with Sherman’s guarantee upon them. This was the condition of affairs when l the bank failed, and this condition ex- plains why it was that Sherman was so anxious to wind up the affairs of the bank after it failed. He wished after that fatlure to have some one in charge who would return to him his guaran- | tees and release him from the tremend- | ous debt by manipulating the appoint- ment of a recelver and bribing James Alva Watt, In passing it is not uninteresting to | reproduce another letter of John E.| Farnum to show beyond the possibility of doubt how the money of the Peo- | ple’s Home Savings Bank passed into | the vaults of the Pacific. The letter is as follows: SAN FRANCISCO, Feb. zs.Plsguh R. H. McDonald Jr. Esq. Pacifle Bank, City—My Dear Sir: Yours at hand and in reply beg to say that the loan called in of the Pacific lmprove ment Company will be paid on Tues day next, as It is due then. Referring to what you say in your hit“;r;n<<n)la call and see you on Monday If possibie and talk matters over, absalutely neeessary to h understanding about our in_the management of th As I already understand § ishes from the many letters rece ed_trom cou 1 think it not necessary to Juaint me further with demands, for the reason that as ll!“cd’gnnéilnli pate v it with Pacific F 5 Sk before it is paid. ave a definite uture course is bank. ur wishes we cannot do 1t Yours, il PARNUM, Secretary. The man who wrote that letter is the same man who helped Moses H. She}l;- man rob the People’s Bank under the thin guise of technicality. He is now | manager of the Pacific Bank. The Call will show to-morrow morn- ing how Moses H. Sherman effected another gigantic manipulation of the funds of the Pacific Bank and with | the willing assistance of John E. Far- num secured for himself $50,000. THE ABANDONED DEAD BABY. Mrs. W. B. Hayw:rd Emphatically Denies That the Infant Was Hers. HE maternity of the child sen Brignolf and Guiseppi Rosso ha: was that of Mrs. Hayward. This statement is vehemently den! says that she separated from her hh was the mother of the In the Police Court terday the ment is guilty of a misdemeanor. bonds each. Thi 0020630508 108 103 508 00 308 00 K00 0 408 K 0 K ¥ 08 f=3=8=3-8-3F-F:3:3-3-F-3-8:F-F-F-F:F=F:F-F-F:-F=-2-FcF F=F=FugF=F=8 1 Monday by W. B. Hayward in the dump wagon driven by Antonio ward, in his statement to the police authorities, stated that the child wife of the man who gave the child to ago in consequence of his relations to another woman, whom she found in her rooms on her return from a visit to her relatives. husband Mrs. Hayward has supported herseif by dressmaking. d she has nothing to say. charged with violating section 297 of the Penal Code, which provides that any one attempting to bury a body outside of the regular places of inter- t to the Garbage Crematory on last s so far not been- established. Hay- fed by Mrs. Louise D. Hayward, the the scavengers. Mrs. Hayward usband, W. B. Hayward, over a year Since she left her As to who scavengers Brignoli and Rosso were ey were subsequently released on $300 papugstetugatutudotutatotutatugagngats] Denounce a Yellow Journal. | At a meeting of the property owners in Ocean View last night encouraging re- gor[s were received from various mem- ers of a progressive spirit. A general desire was expressed to have the neigh- borhood aroused from its lethargy into actlvity in improving the streets, obtain- ing additional lights and a better water supply. % ‘A movement is on foot to build a hall on the co-operative plan, in _which all meetings tending to advance the progress of Ocean View may hereafter be held. The following preamble and resolutions were adopted: Whereas, There having appeared several ar- | ticles In the San Francisco Examiner during the past week, stating that the temporary primary school sftuated on Sadowa - street Just east of Plymouth was located over a barn, causing much sickness among the children, and that the bullding was unsate, said articles belng. of great detriment to this section; there- fore be it Resolved, That we, the Ocean View Property- owners' Assoclation representing the property- | owners of Ocean View and Ingleside, do hereby. assert that we know that the aforesaid school is in a good sanitary condition, having been inspected by the Board of Health, as the fol- lowing will_show: To the Principal of the Sheridan Ocean View, City—Dear Madam: In regard t a complaint sent to this office, referring to the unsanitary condition of the rooms used for school purposes, and situated on Sadowa street, T beg leave to inform you that our inspector, after a thorough examination of said premises, reports ‘‘no cause.” Yours truly, A. P. O'BRIEN, Health Offic And be it further, Resolved, That we brand any such assertion: as false and malicious lies, calculated to injure Ocean View and surrounding property. it e bl School, Advances made on furniture and pianos, with or without removal. J. Noonan, 1017-1023 Misslon. ———————— Wait a While, a railroad station New South Wales, has just won a fi to retaln its name, which the railroad company wished to change. Ringing In the Ears, Noises in the Head, Prematureness, Failing or Lost M anhood, Cured by the Celebrated Remedy Treatment, HUDYAN! HUDYAN! WRITE FOR CIRCULARS, FREE. ¥TTTFTTET) Read these symptoms, and CFITTITITITY Treatment Treatment. Sometimes Cures in 30 Days. 3 < i E Hudyan g Remedy the Cosenannsesd tute. if you have many of them & Hudson you need the certain cure, £ Remedy the Great Hudyan Remedy £ Treaiment This remark- £ Is Certain able discovery has made the 2 to Cure name and the fortunes of & Varicocele. 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Have you pains in head? Have you shooting galns? Do vou feel fatigued? Are vou weary? Does your head swim? Do your knees knock? Does your hand tremble'. Is there a ropy sediment in the water? Do you suffer from night losses? If you are in this con about the Great Hudyan sure to cure. It cures as c dition you should learn all Remedy Treatment. It is ertainly as you use it. No cne else can give you Hudyan but the doctors of Hud- son Medical Institute. CIRCULARS AND TESTIMONIALS FREE. SON MEDICAL INSTITUTE, - Corner Market and Stockton Strsts, San Francisco, Cal