I gave him, however, the names of several parties whom he was to visit, some of whom he later insured. I invited him to come to the office and accompany me to lunch whenever he was in that part of the city, and later, at his solicitation, I abandoned the company in which I had been insured, and allowed him to place a policy for me with his company for two reasons: _first_, that he might be benefited by the premiums I paid; _second_, upon his showing me the advantages they offered. Considerably later, having exhausted all my resources so far as finding him customers was concerned, we were standing within the Chamber of Commerce Building, Chicago, when Pitezel, just returning from a successful Southern lumber trip, came in; and not having seen my friend for quite awhile, they talked for some time together, and finally he asked Pitezel if he could not carry some insurance. Pitezel answered that he did not care to do so then. Up to that time Pitezel’s insurance record was as follows: Upon all long trips, his instructions were to take out temporary insurance at the time he bought his transportation ticket or mileage, making the policies in favor of his family, and at my expense. He had occasionally carried yearly accident insurance, and upon one occasion some regular life insurance in the Washington Life Co. Soon after this meeting with Pitezel, my friend asked me to try and induce him to take some in his company. Pitezel was about to receive several hundred dollars, the greater part of which I knew would, in a very few days, be wasted, and considering the great help it would be to my friend during the coming winter, I decided to induce Pitezel to insure, telling my friend beforehand my reasons for doing so, and instructing him to place no more insurance than Pitezel would pay cash for at the time. Later, a policy was issued for $10,000, for which a cash premium was paid. This policy differed very materially from one I should have chosen, if any fraud had been anticipated at the time. After this I do not think insurance was again mentioned between Pitezel and myself for six months. [Illustration: MRS. PITEZEL.] My first intimate acquaintance with Mrs. Pitezel and her children began in the fall of 1893, although I had often seen them prior to that, especially the children, whom I liked and looked upon as remarkably bright when they had come to me from time to time upon errands. At this time Pitezel had gone to Indiana on some lumber business there among the farmers, and to aid him in establishing a credit, had taken with him some worthless checks to carelessly exhibit among his money, thus having it appear that he was a man of considerable means and worthy of credit in his business. While under the influence of liquor he either lost or tried to use one of these checks or drafts, resulting in his being arrested.