The San Francisco Call. Newspaper, February 4, 1899, Page 9

THE SAN FRANCISCO CALL, SATURDAY, FEBRUARY 189 9 PLUNGERS SENT THE BANK T0 AUIN Continued from First Page. allowed him to overdraw $35,837 99, also ad- vanced him as a commercial loan $20,000, making a total advance to him of $55,- Also the Jersey Laundry tract has been permitted to overdraw its account $20,- 91558. And Thoma Johnson is over- | drawn . in the sum of $12,00853, and the Santa Clara Fruit Echange is overdrawn to the extent of $15,422 10, permitting five customers of your bank to overdraw the sum of $228,904 90. o allow overdrafts to such an extent is condemned by this commission. They ure classed by the commission as’ doubt- ful resources, and this practice, when carried to such an extent, should be checked at once. Therefore view of all the facts, the Board of Bank Commission is unanimous in its opinion that your bank is conduct- ing bu ess in an unsafe manner, it is, therefore, orde d by the commission steps that ne and measures at your reserve of per cent of your second, to increase h to a sum equal to savings liability; third, that further overdrafts to the par- ties he named be stopped at once, and that all of said overdrafts be secured by notes, executed by said parties, with such other securities as the bank may be able full satisfaction ctors af your bank and you take , first, to increase h to a sum equal tc commercial liability; your reserve of 10 per cent of « to obtain, and to the be the the rd of dire ik That v to this m this your action 1 within thirty d date. By order of the Board of Bank Commission H. W, MAGEE, JOHN MAR PARIS KILBURN, " Attest: C. H. DI tary. The foregoing letter shows conclu- sively to what extent the managers of the institution carried their gambling and their favoritism. The Thomas E. Johnson mentioned in the letter is a director of the institution. Howard is the plu whose T hav the resulted disastrously to be The denunciation of the Bank Comm sion is now an arraignment of its own ked for a reply to its let- ter, but received non The bankers continued in their reckless course un- til the collapse came, until the pr t Commissioners took charge. When t > officers went to San Jose they demanded from the bank authori- | ties a statement of the affairs of the | institution represented on January | , 189 This statement was given without delay. It r'ves now to show how the officers of the bank grossly in- | flated their assets, giving to each worthless loan and overdraft its face value, The report of the officers of the bank as follows: UNION SAVINGS BANK, OF BUSINESS JANUARY 31,1899, AS SHOWN | BY BOOKS: ity and at once took measures to de- clare the bank insolvent and to force it into liquidation. The following is an official copy ‘of the proceedings of the | board: g SAN FRANCISCO, Cal., Feb. 3, 1899, Present: Commissioners John Markley, A. W. Barrett and B. D. Murphy and Sec- taary C. H. Dunsmoor, In re UnionSavings Bank of San Jose. Upon motion of Commissioner Markley, duly seconded by Commissioner A. W. Barrett, the following resolution was unanimously adopted, viz,: “Resolved, That, whereas, upon an ex- amination of the affairs of the Union Savings Bank of San Jose as made by Commissioners John Markley and A. W. Barrett and reported by them, showing the condition of said bank, showing its condition at close of business January 31, 1889, said examination concluded February | 2, is found and it is the unanimous ion of this board that said Union | Savings Bank of San Jose is insolvent and | it is unsafe for such corporation to con- | tinue to transact business; and it is fur- ther resolved that the Board of Bank | | Commissioners immediately take such control of said corporation and the prop- erty and effects thereof as may be neces- to prevent waste or diversion of its | s provided by section 11 of the and that the Hon. Attorney | | it ac t, General be notified of this action.” In re Union Savings Bank of San Jose. i Upon motion of Commissioner Barrett, | duly seconded by Commissioner Markley | and u carried, the action of | Com Barrett and Markley in appointing Joseph R. Ryland to take charge of the affairs of said bank is| herchy Tatified and a bond in the sum of | $10,000 is required for a faithful compliance of such duties from Mr. Ryland. | The following official notification was thén set to Attorney General Tirey L. Ford: SAN FR Hon. ANCISCO, Cal., Feb. 3, 1899. | L. Ford, Attorney General, | co, Cal.—Dear Sir: You gre | hereby notified of the action taken by th Board of Bank Commissioners in relation to the Union Savings Bank of San Jose and requested to commence suit in the | proper court, as provided in section 11 of the bank act. Copy of record herewith. v respectfuily, by order of the Board | of Bank Commissioners, . The Attorney General will at once take the necessary legal steps to force | the bank into liquidation. As the offi- | cers voluntarily closed their doors it is | not expected that there will' be any} protest. > e 'WRIGHT UNSPARINGLY DENOUNCES E.B. HOWARD 'The Ex-President of the Bank | Accuses the Plunger of Gross Frauds. 1 SAN JOSE, Feb. 3.—“The board Ofl directors was not a very efficient one. | The Howard matter was referred to | | them at nearly every meeting and dis- cussed, but they were not able to give | me any help on the matter. SAN JOSE, AT CLOSE| ASSETS. | 1. .. Bank premises.. Other real esate.. Stocks, Home Union Bonds Unfon ¢ Mortzages Bills receivable Overdrafts Money ..u.. [Checks ]0.1“.“.( tifi | Casn tags... Banks, co Ban current nts 1.4 S5 %, loaned. . 00 36 Furniture . Expenses .. 611 Other assets....... a3 14. Safe deposit vaults. 00 15. SAMDPE . ssesesancs s Having rece the report of the of- ficers of the bank the Commissioners then began their investigation. Wit- s were summoned, testimony was computed on a legitimate w and honest report com- val A ¥ The officers of the bank had es- ti ted the value of their real estate, other than the bank premises, at $64,- ter due investigation the Com- ners fixed the value of the prop- $10,84 The bank authorities placed valuation of $19,38 on the stock of the bank. The Commissioners decided that the stock is worth noth- it is being peddled about the streets without takers. Mortgag the authorities of the de- tution declared, are worth The Commissioners reduced s sum to §. 65. Bills receivable dropped in the legitimate report from:| $302,835 48 to $146,182 19, Overdrafts shrank from $311,302 02 to $126,540 62. Furniture tk bank officials said was worth $5700 the Commissioners find is valued at $2000. “Other assets” in the bank report are worth $71,772 63. “Other a; ccording to the Com-~ missioners, worth no more than $17,893 Int of the bank dwir bank's assets we less than its liak Having made these changes the com- missioners submitted the following re- port: ew report the assets led $491,411 27 and the seen to be $138.215 35 UNION SAVINGS BANK, SAN JOSE, AS FOUND BY BANK COMMISSIONERS ON EXAMINA- TION FEBRUARY 2, 1899: LIABILITIES. 16. Capital ... . $300,000 00 | Surplus . . 40,000 00 ((‘onlm'cl-l deposits 143,985 07 | Savings deposits... 454,110 99 | 17.{ Interest certificates 36,055 00 | Certificates ....... 19,564 81 [ Certiied checks... 1,402 20 | | Mrs. Wright....i.. 60,000 00 | [Banks, carrent a | 18.] counts B bl 18,966 23 | [ Banks, borrowed.. 76,500 00 19. Interest collected.. 2,850 04 20. Exchange ........ Rents ... seses | 21. Dividends unpa Profit and loss. Rediscounts Safe deposit rents. Eserow . . —— $1,197,479 52 | “Director E. ‘Wheeler, chairman of the finance committee, said he felt perfectly satisfied with Howard's ac- count, and was sure 1t would be taken care of. He said if all the bank’s loans | were made to such persons as Howard we should consider ourselves lucky.” H. Ward Wright, ex-president of the defunct Union Savings Bank, spoke with bitterness and with a touch of re- sentment in discussing the causes that led to the closing of the doors of the institution. Mr. Wright has been free- ly accused 6f being responsiblé for the failure, which has been characterized by one of the leading stockholders as being the worst in the history of bank- ‘ing institutions in California, and among the first to charge him with recklessness and incompetency in the |'handling of the funds placed in his charge was his own brother, F. V. | Wright. The directors of the institution have also shown an inclination to shift the blame for the deplorable affair to the | shoulders of the head ofthe concern, | and Mr. Wright has finally decided that | in justice to himself the public should | be' placed in possession of the facts | relating to the management of the in- | stitution, and with these facts to draw | its own conclusions as to where ‘the | | blame belongs. Mr. Wright talked | {rreo!y and in concluding, his state- | ment declared that he stood ready to deed all his remaining property to.the bank for the benefit of its creditors, hid ASSETS. 1. Bank premises.... $95,000 00 2. Other real estate.. 10,5849 00 3. Stocks . 4. Bonds .. 5. Warrants 6. Mortgages ...... 206,720 65 Bills receivable. Overdrafts 7. 146,182 19 0. so‘{ (Banks, current ac- BEOWBDY 25 s Sxe sy 4,266 48 Checks .....00 C, H, certificates Cash tags..... 11.{ counts s Banks, 10 ¥ } 12. Furniture .. 2,000 00 | 13. Safe deposit 2,700 00 Stamps . ... 447 78 14, Other assets 17,593 50 A6, sreverrinnnn —_— $706,068 Short ...... 138,215 844,253 60| | 126,540 62 |24, LIABILITIES. * 16. Capital . | Surplus ESCIow seococncaes 3,576 20 | Comm’clal deposits 143,985 07 Savings deposits.. 484,110 99 17.] Interest certificates 36,055 00 | Certificates ....... 19564 S1 e‘ Certified checks, .. 1,402 20 | Mrs. Wright....... 60,000 00 Banks, current ac. 18] counts ......... 18,066 23 Banks, borrowed.. 76,500 00 19, 20. Interest collected Exchange Rents ... . Dividends anp 21, Profit and loss. . Rediscounts .. 22, 23, 25. The Commissioners returned to this|the other directors would do likewise. ] | came aware. He overdrew his account. | business for the season of 1898 by giv- | | became insane and died shortly after Following is the statement dictated by Mr. Wright and verified by him: “In justice to myself a few things might be stated as to the blame of the failure of the Union Savings Bank. A great deal has been thrown on me, and I am willing to bear the blunt of it, but there are a good many things for which I am not responsible. The directors must jointly and separately shoulder part of the blame. “In reference to the conduct of the business, you might say that the Board of Directors was not a very efficient one. My brother, W. H. Wright, was generally away, as the San Jose Fruit Packing Company had its meetings at the same time that we had ours. Their meetings are held in San Francisco. I always submitted matters to the direc- tors, and they always said: ‘You do as You think best in regard fo it.’ They were not able to give any particular direction or advice in matters. This Howard account was referred to them at nearly every meeting and discussed, but they were not able to give me any help in the matter. I acted on my own best judgment at the time. I found that statements made by Howard and his Eastern agents were not correct and could not be relied -upon. “For the first three years Howard's account was the best account we had in the bank. His advance asked for was not an unusual one for the amount of business done. It was taken care of promptly and his paper was always good. He commenced getting off in 1897. His business was larger and was carried on in a very reckless and im- prudent manner, as we afterward be- The usual advance we gave was not made good at the end of the season. It s in_the neighborhood of $30,000. He claimed he had enough money coming from the East to wipe it out. His East- ern agents also verified this. *‘In 1868, before the season opened, we were after him for a settlement. He | kept putting it off, and finally we found | he had nothing coming. He started in | ing us a lot of paper on the Chicago | house of Higgins, Beach & Co. Higgins and the house became insolvent, Much of this paper we bad indorsed and it all | came back on us. This swelled his ac- | count still greater, We've got an as- signment now of a great deal of fruit, which will enable us to get back a good deal of the money advanced. By proper | conduct of business a good amount can | be realized and steps have been taken | in this direction. Howard's indebted- | ness is about $161,000 and the $320,000 story is all bosh. . | “The directors knew about Howard's | account running up and discussed it | freely. . They did not object and offered | no suggestions as to a way out of the difficulty. They took Howard's state- ment and believed he could repay. it. He told us he had margins due in New York and London to meet all advanced. The first three years the statement he made was correct. After he got into difficulty everything he told us was un- true. The statement made of being | able to liquidate his indebtedness was | never fulfilled. “Director E. A. Wheeler, chairman of the finance committee, felt perfectly satisfled with Howard's account, and was sure it would be taken care of. | He said if all the bank’s loans were | made to such persons as Howard we should consider ourselves lucky. None of the stockholders has transferred any stock lately. A great many persons | owing the bank are anxious to liquid- | ate, and a large amount of money that can also be used in paying off deposit- ors will soon be coming in. A good deal of business tact should be used by the manager of the bank properly to avoid as little loss as possible on loans, which can all be worked out on their face value. A great many loans were put in at 50 per cent of the value in the Commissioners’ report, and these can be worked out for full face value. “For some time the bank was rather short of working capital. The directors knew this. On Monday afternoon I stated there were several things I did | not like. Money was going out and| none coming in. I announced I was go- ing to San Francisco Tuesday morning to see if I could not make arrangements for more funds, as it was unsafe to continue in business under existing conditions. “I wired the bank at 10 o’clock Tues- day morning that no satisfactory ar- rangements had been’ made, and they knew this meant a suspension o busi- ness. I went to the different banks, but could get no money. “In regard to the deed given to Myra E. Wright of the bank premises. She loaned the bank $10,000, then $15.000 and | finally it reached $60,000. She wanted | some security and we gave her the deed. There is an offset against this| $60,000 of about $35,000 loaned her hus- band. Mrs. Wright has property of her | own and she obtained the money she loaned the bank by hypothecating some securities she had to San Francisco parties, “My brother, W. H. Wright, had no intimation of the bank failure when he started East Saturday night. He in- quired about its condition a day or so | before, and I told him I thought it| would pull through all right. “I stand ready to turn over all my property to the bank, some $40,000 worth, if the other directors will do the same. “Of course I made some mistakes, but I had no help and support in my work. The directors were disloyal and took no real interest in the work. When we faced financial embarrassment they shoved everything upon me.” ‘W. H. Wright is the husband of Myra ‘Wright and the man referred to as hav- ipg received loans aggregating $35,000 from the bank which his brother claims was given him on account of his wife's advances. He is president of the San Jose Fruit Packing Company and was elected president of the bank upon the resignation of H. Ward Wright yester- | day afternoon. The $35,000 advanced to him explains the alleged payment of | that sum to Mrs. Wright in partial li- quidation of the $60,000 loaned to the bank by her, and which she denied ever having received. E. B. Howard is as dumb as an oys- ter and all efforts to obtain a state- ment from him have thus far been fu- tile. He will only say he is in the hands of his attorneys and that if they see fit to talk all right, but that he will not. But Howard has friends and many of them, notwithstanding the many pe- culiar stories that are being circulated about town in regard to his business methods, and they do not hesitate to say that when the whole truth is known it will be shown that he has been per- fectly straightforward in all his deal- ings with the bank. That the bank was in serious difficul- ties cannot now be denied and a pretext was wanted to suspend and this would be furnished. by Howard's failure. . But Howard did not fail. His creditors, principally fruit growers of whom he had purchased fruit, decided to stand by the man who had paid them the highest market prices for their pro- duct, and in fact in a great measure made the market. The attachments that were counted on to follow the Weaver attachment failed to material- ize and the bank was deprived of its pretext and obliged to confess other reasons for its suspension. 8. F. Leib, who is Howard's attorney, is still engaged in preparing the neces- sary -papers for a petition in insol- vency on behalf of his client. Mr. Leib said to-day he did not expect to have things in shape for a week or ten days, and in the meanti_.e he would positive- ly refuse to discuss the matter in any way. ‘“We have absolutely nothing to say,” declared Mr. Leib, “further than the petition and accompanying state-| & ment ‘will tell the whole story as far as Mr. Howard is concerned. Under the new national bankruptey law a man who seeks to be declared a bankrupt must make a clean breast of every- thing concerning his business affairs with a full staten.ent of assets and lia- Dilities, and that will be done in this case,” i | | sist on Mr. CREBITORS GRACE HAS A OF DOXEY ARE NOT SATISFIED Are Inclined to Make Difficulties. OBJECT TO THE AGREEMENT IT IS PROPOSEP BY FOREIGN GONCERNS. Local Houses May Force the Famous Stationer Into Bankruptey. His Statement of His Situation. At the time of the writing of the story of the financial troubles of “Doxey,” the bookman, the promoter of the parti-col- ored “Lark,” the purple cow and other 0dd conceptions, it was supposed that the difficulties with creditors had been ad- justed, but further investigation shows that certain local houses are not disposed | to accept the proposition that has ema- nated from Eastern creditors. This pro- posed agreement provided that all cred- itors must accept 30 cents on the dollar, one-half of which was to be paid at the end of six months and the balance in one year. Some time ago the Eastern creditors, who are the most heavily nterested, be- came nervous and concluded to settle on a basis adjusted to suit the needs of the debtor. They co-operated with Mr. Doxey in setting forth the complications of the situation and asking for assistance in the promotion of the plan, The state- ment came from the Stationers’ Board of Trade of New York, under date of Janu- ary 13, and among ‘other things says: ‘“We inclose herewith acopyof a statement and offer made by Mr. William Doxey, in which is included such information as to his affairs as we were able to obtain by careful questioning, and we feel con- fident that the statement fairly repre- sents his situation. It seems to us that the proposition is a fair one. If the estate is adminijstered through the courts we do not think that more than 12 or 15 per cent would be realized for creditors, and this would be after a .delay of several months."” This agreement, which some local cred- itors are not inclined to sign, provides as follows: . Creditors of Willlam Doxey of San Francisco, Cal., holding claims amounting to at least $35,000—We, the undersigned, creditors in the amounts sét opposite our respective names, do hereby severally agree with him and with each other, that we and each of us will accept in full payment and discharge of the indebted- ness of sald Doxey held by us respectively, his two promissory notes, payable on August 1, 1899, and February 1, 1800, respectively, each for a sum equal to 15 per cent of our respective claims, as stated below, and that upon recelpt of eaid notes by us * ¢ * the balance of said indebtedness shall be wholly released and dis- charged. Mr. Doxey's circular to his creditors is dated Friday, January 13, the date on which the ungodly bohemtans of the Press Club defied each and every super- stitlon and got downstairs safely. 'he document is as follows; To My Creditors—Dedr Sirs: Being unable at the present time to pay my outstanding indebt- edness n full and desiring to preserve my es- tate in the manner most advantageous to my creditors, T wish to make the following etate- ment and offer of settlement: My liabilities are approximate]y as follows: Open accounts and notes due merchan- East.$18,600 dise creditors in Chicago and the Open aceounts and notes due merchan- . dise creditors in Ban Francisco... 4,000 Due individuals in San Francisco for bor- - rowed money........ cees .. 10,200 Due Crocker-Woolworth National Bank for borrowed money.. 15,000 Total .. . . - $46,200 All of the above is unsecured, except that the bank holds & second mortgage upon my wife's house for ‘the sum of $2500, and that certain individual creditors from whom borrowed money hold stereotype plates (of the value of $2000)° as security. All of this security was given to sald creditors at the time the thoney in question was borrowed from them, The nominal value of my assets is as follows: Fixtures (about one-half cost) Stock in trade 9,200 Stereotype plates (a part pledged, as above) .. 10,000 Stock of own publications. 9,600 Accounts recelvable.. £,300 ....$39,100 ‘The fixtures have been put In by me at vari- ous times during the last thirteen years, and their actual value at forced sale would be ex- ceedingly small. TR stock in trade includes books bought at various, times during the last thirteen vyears, the price given being cost price, including freight. The stock is clean and good. Of the stereotype plates about $5000 s old plates of practically no value except as old metal. The remaining $2000 is the cost price of plates of books which have a fair sale at present. The value given to my own publications is cost. About $5000 of these are salable. Besides the above assets, T have life insur- ance amounting to $13,00, which has, however, no cash surrender value. There i3 also a nominal equity in the house owned by my wife of $i000, but the actual value of this is prac- tically nothing. 1 offer my creditors settlement upon the basis of 30 cents, payable one-half in six months and the remainder in twelve months, to be repre- sented by my notes. I have consulted my Western creditors and feel confident they wiil accept this settlement should it be accepted by my merchandise creditors in the Fast. Yours very truly, WILLIAM DOXEY. ‘There are certain creditors in San Francisco who, unless something {s done | to radically change their minds, will in- Doxey going through bank- ruptey. Their proposition is that they are not satisfied with their treatment, and do not see any particular advantage to themselves in the plan of the Eastern creditors. Whatever the decision may be as to what is to be done will be arrived at within .the next few days. ADDITIONAL SHIPPING INTELLIGENCE. ARRIVED. Friday, Februry 3. Stmr South Coast, Zaddart, 50 hours® from Redondo. Haw bark Roderick Dhu, Johnson, 13 days from Hilo. SAILED. Friday, Februry 8. t: Samoa, Jahnsen, San Pedro, Etmr Sevabo, Hiletsen: Usay . DOMESTIC PORTS. hTACOMA’—oArrWed Feb 3—Stmr Mackinaw, e Jan 30. l?fnea Teb 3—Ship C. F. Sargent, for Hono- ulo. $2,000 | - LARGE STOCK OF ALIASES Mrs. Allison a Much Abused Woman. [SHE. SAYS SO HERSELF HAD TO FIGHT OFF HER LOVERS’ GIFTS OF DIAMONDS. Men Who Had Only Known Her a Few Minutes Would Load Her Down With Costly Gems. e Mrs. Grace Allison, or.Mrs. Ida Quinn, or still more recently Mrs. Ida Collins, was on the witness-stand in her own be- de Haven yesterday afternoon, and proved & most voluble witness, Mrs. Allison also flashed up a new, or nearly new, band for the edification of the court, jurv and spectators. It was a day replete with episode in easily the star attraction. When she got on the stand she readily explained away all the incriminating eharges against her. Sometimes she had two or three expla- nations for the same occurrence and an overwhelming desire to tell them all. ‘When she launched into an explanation it took his Honor and all the lawyers to bring her to a stop. Mrs. Allison-Quinn-Collins is not beau- tiful, whatever her own opinion on tue subject may be. But she's fascinating to the last degree, for her own evider proved that. Why, according to her state- ment her antiquated lovers would be intro- duced to her through the medium of the matrimonial bureau-and in less than ten minutes, and before they had éven time to propose marriage, they would just fairly be loading her down with diamonds and pilanos and such. That is, all of them but- Dr, Allison. According to her story loned gems that cost her $9 or $i1 to have reset, besides one rhinestone, or *‘rhein- stein,” as the lady called it. But gerhaps ;lllg was thinking of ‘“‘ein stein” when she so. gem was $150, and she seemed to be an expert on the value of diamonds, rhine- stones, Kimberly gems and cut alum. Mrs. Allison-Quinn-Collins was never engaged to Duprey, Looney, Sheck and the others, for she said- so herself; all she had to do with them was to be introduced to them and let them unload their tokens of admiration on her. The springing of N. C. Collins as her husband was to convince the jury that the Pacific Information Bureau was ‘‘on the square,” and that she sought and ob- taing a life companion through it. Col- lins is about 34 years old, fully ten OE a dozen years her junior. He has been her constant. companion throughout the trial. He took the stand to tell about his meet- ing the woman and their marriage; and his testimony might have had some weight had he not been forced to admit under cross-examination that since he has been in San Francisco he has gone under wife as Miss Smith. That portion, appar- ently, did not help matters along with the Jury to any appreciable extent. e entire day was given over to the defense. During the forenoon Isaac Bain, the woman's partner in the marriage bu- paid $3 or $5 fee. In order to balance mat- ters he had admitted many more ladies ‘who had not paid the fee. On cross-examination Bain denied that he had ever been convicted of a felony. Assistant District Attorney Banning will introduce records in rebuttal Monday, showing that Bain was convicted and sen- tenced to San Quentin for swindling in connection with a marriage bureau. Collins then testified that he was born in Midway, Ky., in 1865, and was engaged in the hardware business there. He iden- tified the woman defendant as his wife and sald he formed her acquaintance through the Pacific Information Bureau. He first became acquainted with her in March or April last year. He came to San Franeisco last December. Asked as to the woman'’s financial standing he an- nounced with pardonable pride that she has $37,000 in cash now. Then came his admission that he is known by the name of Smith, and he was glad to make his escape from the stand. Then Mrs. Allison-Quinn-Smith-Collins shaped her course for the witness stand and. made the dock in safety. She did not 80 into her past to any extent beyond ad- mitting that she was formerly the wife of John J. Quinn of Chicago, who fore- swore gambling, which vocation he had followed for years, to write a_book of his life, She became a member of the Pacific Information Bureau in Décember, 1897, paying the usual fee for the privilege. She had no financial interest whatever in the concern and had never shared in its pro- fits. She met J. L. Duprey through the bureau. He wrote one or two letters and then called on her. He wanted to buy her a diamond ring casting $75, and she re- luctantly consented to accept it. At an- other time he told her about his two daughters and wanted her to take one of them and teach her millinery. For this i%rvlce he insisted on giving her a piano. e went away and wrote to her to go to Shreeve's and get a pln he had purchased for her costing $150. Duprey was always very friendly and never asked for the re- turn of his presents. ~Neither did he ever ask her to marry him. Ida, or Grace, met Looney twice. He was very insulting and she thought he was insane. He boasted that he was the only honest man on earth. The nnfi Sheck gave her cost $175 and she pal $50 toward it. Sheck went to her bedroom one night and was very insulting. She .never knew he wanted his ring back until Bain told her Sheck had demanded its re- turn from him.” Ida was positive she had never asked a.ng favors from any of them; they had sought to gain favor with her and now they had thrown here into jail. As for Dr. Allison, they never were en- gaged. He was a confirmed opium fiend she said, and she had gone to the Lick House once at 4 o'clock in the morning to nurse him. lda told about his gifts and said the stone he had described on the witness stand as a valuable diamond was a “‘rheinstein,” worth $1 50. This was her testimony in brief; she chattered on until the hour of adjourn- ment, picturing herself the victim of base, designing men and affording the specta- tors no end of amusement. The case will probably be concluded Monday. ADVERTISEMENTS. FOR 25 YEARS Hunyadi'Jinos HAS BEEN RECOMMENDED BY EMINENT PHYSICIANS As the Best Natural Aperient Water, UNEQUALLED AS A REMEDY FOR ‘Constipation and Get the Genuine! half before United States District Judge | hus- | the trial of the alleged matrimony bureau | swindlers, but the much-sought lady was | he only gave her a handful of old-fash- | The_value she placed upon that | the name of J. H. Smith and his alleged | reau, testified in his defense. He told about having 400 ladies and 700 gentlemen patrons, all of whom had | JACK RAFFAEL 1S SINGING T0 THE QUAKERS His Departure Fully Explained. 'TWAS NOT A CASE OF DOMES- TIC INFELICILY. His Friends Will- Be Glad to Know ‘that He Is Duplicating the Successes Won in This City. An Inadvertent statement was pub- lished in The Call several weeks ago re- | garding the treatment accorded his family by “Jack” Raffael, the well-known bary- | tane of the Tivoli Opera Company. After carefully investigating the matter it is found that an injustice has been done in this case, and it is hardly necessary to state that it was wholly unintentional. | It transpires that Mr. Raffael's depart- ure from this city after having been a member of the Tivolli Opera Company for | over four years, was due to the fact that | he was offered a very tempting engage- | ment by the Southwell English Opera Company of Philadelphia, in which city | he grew to manhood. He had had this | offer under consideration for some time, and finally gave notice to the Tivoli peo- | ple of his intention to retire from the | local engagement. | purpose to take a rest before going Hast, but the importunities of the Philadelphia | managers were so urgent that he finally | decided to accept, and it was therefore | necessary to leave at once in order to fill his contract. The misleading statements which in- advertently appeared some time ago are [ particularly to be regretted, in view of the fact that Raffael has in the Quaker City duplicated his successes in San ¥ran- cisco, and is making gratifying progress | in his.new chosen field for operatic con- | quest. The Eastern critics have treated | him well, and at the expiration of his contract in May next he expects to sign another good engagement, in which event | his family will go East to join him. At no distant day, however, it is Raffael's in- tention to return for an engagement at the Tivoli. ‘With respect to the estate left by Mrs. | Raffael’s father, the late able and popu- | lar journalist, J. Ross Jackson, the prop- | erty is devised in trust to the children of Mr. and Mrs. Raffael, Mrs. Jackson and Mrs. Raffael having a life interest only | therein. While Raffael's successes in the quent letters to-his wife and baby show that his heart is still in San Francisco. ‘William Coffey, a young man with a po- . street Police Station, while his name has been placed on the detentlon book, pend- ing an investigation into his possession of a bar-room refrigerator. Coffey was | caught with the cooling apparatus under { his arm on Shotwell street, near Fif- | teenth, last night by Officer and failing to satisfactorily account for his possession of it was taken into cus- tody. e | Lecture at Golden Gate Hall. The ‘“‘Golden Link,”"a lodge orgapized for the moral advancement of youths, will ADVERTISEMENTS. Nervous Dyspepsia To Gain Flesh, to Sleep Well, to Know What Appetite and Good Digestion Mean. MAKE A TEST OF STUART'S DYS- PEPSIA TABLETS. No trouble is more common or more misun- derstood than nervots dyspepsia. People hav- ing it think their nerves are to blame and are surprised that -they are not cured by nerve medicines. The real seat of the mischief is lost sight of. looked after, Nervous dyspeptics’ often do not have any pain whatever in the stomach, nor perhaps any of the usual symptoms of stomach weak- | ness. Nervous dyspepsia shows itself not in the stomach so much as in nearly every or- | gan. In some cases the heart palpitates and is | irregular; in others the kidneys are affected; | In others the bowels are constipated, with PROF. HENRY W. BECKER, A. M, of flesh and appetite with accumulations of gas, sour risings and heartburn. It is safe to say that Stuart's Dyspepsia, Tab. lets will cure any stomach weakness or d ease except cancer of the stomach. They cus sour stomach, gas, loss of flesh and appetite, sleeplessness, ' palpitation, heartburn, constip: tion and headache. Send for valuable little book on stomach dis- eases by addreseing F. A, Stuart Co., Marshall, All_druggists sell full-sized packages at cents. Prof. Henry Becker, A. M., the Welll known religlous worker and writer of St. uis. Secretary of the Mission Board of the Ger- man Methodist Church. Chief Clerk and Ex- Tt Accountant for the Harbor and Whart ‘'ommission. ~ Public Secretary for. the St. Louls School Patrons’ -Assoclation, and the District Conference of Stewards of ‘the M. E. Church; also takes an active part in the wark of the Epworth League, and to write on relig- fous and educational topics for several mag- azines. How he found relief is best-told in his own words: ‘‘Some weeks ago my brother heard me say something about indigestion, and taking a box from his pocket said, ‘Try Stuart's Tablets.’ 1 did, and was promptly relleved. Then I in- vestigated the nature of the tablets and be- came satisfied that they were made of just the right thii and In just the right propor- tions to aid In the assimilation of food. I heartily endorse them in all ‘respects, and I keep them constantly on hand.’ Dr. Gibbon’s Dispensary, G25 KEARNY ST. Establls) 8, Lost Manhood. Debili or wearing on bodyand lyn iacuses. the dociar curesw hen WENT TO FILL A CONTRACT| be addressed by Messrs Badger and Cas- well, and Mrs. John Petty, three of its organizers, at the Golden Gate Hall, on Sunday afternoon at 3 o'clock, There arg at present about twenty boys in the lodge, which is accomplishing good results in each of their cases. They are between the ages of 10 and 16 years and are decently clothed at the expense of the lodge. The fee required from each of them is 10 cents per month. They abstain from the use of vulgar language and have taken pledges to refrain from the use of all Intoxicants, The pyblic is cordially invited to attend the lecture. ————— Fried Concert Postponed. The second concert annotnced by Mme. Agnes Fried for this afternoon, at the Sherman & Clay Hall, has been postpon- ed, owing to the soprano’s indisposition. — e ADVERTISEMENTS. | NO WOMAN IS EXEMPT. Regularityis a matter of importancs | in every woman’s life. Much pain is, | however, endured in the belief that it is necessary and not alarming, when ! in truth it is all wrong and indicates | derangeément- that may cause serious trouble. Excessive monthly pain itself will unsettle the nerves and make women old.before their time. The foundation of woman's health is It was his original | Bast have been very flattering, his fre- | lice record, is housed at the Seventeenth- | C. H. Taylor, | The stomach s the organ to be | headaches; still others are troubled with loss | 2, Telephope, | FaEs” a perfectly normal and regular per- | formance of nature’s function. The | statement we print from Miss GER- TRUDE SIKES, of Eldred, Pa., is echoed inevery city, town and hamlet in this country. Read what she says: | “Drar Mrs. Prxgray:—I feel like a | new person since following your ad- | vice, and think it is my duty to les the | public know the good your remedies | have doneme. My troubles were pain-~ | ful menstruation and leucorrheea. I | was nervous and had spells of being | confused. Before using your remedies I never had any faith in patent medi- cines. I now wish to say that I never had anything do me so much good for painful menstruation as Lydia E. Pink- ham’s Vegetable Compound; also would say that your Sanative Wash has cured me of leucorrheea. I hope these few: | words may help suffering women.” |1 The present Mrs. Pinkham’s experi- ence in treating female ills is unparal~ leled, for years she worked side by side with Mrs. Lydia E. Pinkham, and for sometime past hashad sole charge t of the correspondence department of her great business, treating by letter as many as a hundred thousand ailing women during a single year. @ | + All suffering women are invited to write freely to Mrs. Pinkham, at Lynn Mass., for advize about their health. DocTor MEYERS & co. Specialists for Hen Dest equipped stitution, snd the most ex tensive practice in the U. 8. No Pay Till Cured. Unfortunate men who can not call should write for ade vice and private book— veans. , ALL FREE, Thousands cured at Kome | Antetters conidential. No Charge for Consultation. 181 SN FiisCigoo | Eevster Bnvrance. OCEAN .TRAVEL. Pacific Coast Steamship Co. Broadway | Steamers wharf, San Francisco: For Alaskan ports, 10 a. m., Feb. 5, 10, 15, 20, Mar. 2; change at Seattle. For Victoria, Vancouver, (B. | leave San Jose del a Rosalia , Mar. 9, c), Port Townsend, Seattle, Tacoma, Everett, Anacortes 10 a, m., Feb. 5, 10, 15, 20, % Mar, 2, and every fifth day thereaffer; changs ‘Alaska and G. N. Ry.; at Tacoma to N. P. Ry.; at Vancouver to C, P. Ry, | “For ., Feb. 3, s 13 19, 28 2; Mar. & and every ffth day For santa Cruz, : t Harford, (San Luis Obispo), Cayucos, Port Hi Oblapo). San Pedro, ro_(Los An X e eet. 3 & . Feb, 1, 5, 8 13, 11, 71, %; o n Diego, stopping only at Port Har- (n‘rdrlS:;‘A‘ L"l§ Obispo), Santa Barbara, Port m., Feb. 3, 7. 1L 15, 1 Mar. 3, and ery fourth day_thereaft El atian. Altata. La Pas, 10 a. m., F and New Whatcom (Wash. at Seattle to "3'5 company's steamers for For Eureka (Humboldt Boy), 2 p. m gl Monterey, San Simeon, Gaviota, Santa Barbara, Ventura, Haememe, Nemport. nd ‘every fourth day’ thereatter. Los Angeles and Rendondo (Log Angeles). 11 o enada, Magdalena Bay, uaymas (Mex.), 6. ARr ‘turther information obtain folder, The company reserves the right to change without previous notice, steamers, salling dates and_hovrs of sailing. % TICKET OFFICE—4 New reet (Palace Hotel). S HGODALL, PERKINS & CO.. Gen. Agts., 1 10 Market st., San Franclsco. THE 0. R. & N, €0, DISPATCH FAST STEAMERS ~0O RAEE A ND From Spear-street Whart at 10 a. m . FAR $12 First Class ' Including Berths $8 Second Class and Meals, Columbia eafls Jan. 3. 18, 2, Feb. 2. State of California sails s, 18, 13, Feb. 7. Ebort line to Walla Walla,” Spokane, n ' the Montgomery elens and all poits in Northwest, ugh tickets to all points East. C. WARD, General Agent, - 620 Market street, GOODALL, KINS & CO. 2 s Superintendents. TOYO KISEN KAISHA. TEAMERS WILL LEAVE WHARPF, COR- ner First and Brannan streets, 1 p. m., foe YOKOHAMA and HONGKONG, caliing st Kobe (Hiogo), Nagasaki and Shanghal, and connecting at Hongkong with steamers for Ipdia, etc. No cargo received on board on day of sailing. NIPPON MARU. AMERICA MARU. HONGKONG MAR! freight ands iy at company ght and passage. apply at co s 421 Market street, corner First. CURTIS, General Agent. Compagnie BFanoraI: Iransatlanthue. <fi rencl Ine) TO HAVRE-PARIS (FRANCE). Sailing every Saturday at 10 a. m. from Pler 42, North ‘River, foot of Morton street. LA CH. { DIRECT LINE A NORMANDIE aroh LA NORMAN b¥e LA CHAMP GNE Mareh 11 First class to Havre, §65 and upward, b per cent reduction on round trip. Second .class Havre, $45; 10 per cent reduction round triy GENERAL ..GENCY FOR UNITED STA' AyDFCgaggi 2.E\DWHIS ufll'een, New York. . F. 2 . - - ~tfic C Montgomerv ave., San Franciseo. - 25ont § to S S. 8. AUSTRA! salls for Honol Wednesday, February § at2p. m. The S. S. Moana sails via Hopolulu and Auckland for_Sydne: ‘gm ‘Wednesday, Feb. at 10 p. m. Line to COOLGARDIE, Australia, and CAPB TOWN, South Africa. 3. D. SCKELS & BROS. CO., Agents, 114 Montgomery strest. ot Freight Office—327 M: n_Franeisco. BAY AND RIVER STHAMERS. FOR U, S. NAVY-YARD AND VALLEJO, Steamer ‘‘Monticello.” on., Tues., Wed., Thurs. and Sat., at 9:45 a. S 15, 8:30 p. m. (ex. Thurs. night); Fridays 1D m. and 8:30; Sundays 10:80 a. m., 8 p. Landing and office, Mission-st. Dock, Pler Main X veeniill sessirranniansentgens: