A.P. Palmer, Cashier Albany City National Bank, Albany, N.Y. B.W. Arnold, of Arnold & Co., Albany, N.Y., and President Spanish River Lumber Co., Spanish River, Ont. Samuel N. Bacon, Esq., of Bacon, Stickney & Co., Albany, N.Y. Dr. F.C. Curtis, of State Board of Health, Albany, N.Y. Rev. Samuel V. Leech, D.D., Chaplain of New York State Senate, Albany, N.Y. Third National Bank, New York City. National Bank, Lawrence, Kansas. E.B. Lathrop, Cashier National Bank of America, Chicago, Ill. Thos. D. Robertson, President Winnebago National Bank, Rockford, Ill. Biddle Hardware Co., Philadelphia, Pa. Rev. Henry Darling, D.D., LL.D., President Hamilton College, Clinton, N.Y. W.O. McClure, Esq., Utica, N.Y. Hon. John E. Pound, Lockport, N.Y. Samuel Buell, Esq., Lyons, N.Y. M.H. Tarbox, Esq., Lockport, N.Y. A.N. Bentley, Esq., Greenville, N.Y. Solomon L. Gillett, Esq., Elmira, N.Y. A.B. Kellogg, Esq., Buffalo, N.Y. A.L. Chapin, President Beloit College, Beloit, Wis. E.H. Fairchild, President Berea College, Berea, Ky. Hon. G.B. McElroy, Treasurer Adrian College, Adrian, Mich. R.C. Crampton, President Illinois College, Jacksonville. Ill. Prof. E.P. Harris, Amherst College, Mass. Rev. W.D. Hart, Pastor Congregational Church, Little Compton, R.I. Rev. William H. Wilcox, D.D., Malden, Mass. Rev. A. Beattie, D.D., Rector Trinity Church, Lawrence, Kansas. Rev. A.M. Richardson, Pastor Congregational Church, Lawrence, Kansas. Rev. Rufus Case, Hubbardston, Mass. Hon. Charles Robinson, ex-Governor of Kansas, Lawrence, Kansas. Hon. T.W. Cheenery, Deputy County Treasurer, Springfield, Ill. E.R. Upham, Esq., County Clerk of Morgan County, Jacksonville, Ill. Louis Ticknor, Esq., County Clerk of Sangamon County, Ill. General G.W. Babcock, Lawrence, Kansas. Hon. Owen A. Bassett, ex-Judge Fourth Judicial District, Lawrence, Kansas. Dr. H. Warren, Danville, Conn. Dr. Moses Parker, Groveland, Mass. These securities are negotiated by an incorporated company of large experience and strong financial standing. Their charter is perpetual, so the care of the loans will not be thrown upon the investor, as it would be in case of the death, change of business or location of an individual or firm negotiating the same. They combine the loan, tax, legal, and insurance departments, making this an exclusive business; personally investigating every application and guaranteeing every loan, thereby protecting the investor by a double security. _M.V.B. BULL & CO._, TWEDDLE BUILDING, ALBANY, N.Y. Financial Agents WESTERN FARM MORTGAGE CO., of Lawrence, Kansas. * * * * * ST. NICHOLAS FOR YOUNG FOLKS. Attractions for 1884-5. This magazine, during its eleven happy years of existence, under the editorial charge of MARY MAPES DODCE,