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m FOI) BRUNO State's Own Charts Used to Claim Accused's Innocence. By the AsaocUted Press. FLEMINGTON. N. J.. February 1.— John M. Trendley. 67-year-old hand writing expert from East St. Louis, 111., carried Bruno Richard Hauptmann's hopes today as the defense opened its light to convince the Jury Hauptmann never wrote the Lindbergh ransom notes. Chief Defense Counsel Edward J. Reilly said he believed Trendley, a veteran of more than 350 legal hand writing battles, would conclude his testimony during the forenoon. "Then we'll turn him over to the State for croes-examination, and let them tear down the testimony of their own ex perts," he declared. The defense chief was referring to the fact that Trendley, in his en deavors to prove Hauptmann never penned the ransom letters, would use the same photographie charts of figures, letters and words which eight Btate experts prepared to illustrate their unanimous conviction that the pallid defendant and he alone wrote the kidnap correspondence. The court room was well filled tor the session, but there was a noticeable decrease in the crowds waiting outside. The weather was bitter cold, many thermometers registering as much as 10 degrees below zero. Hauptmann came in with his guards and dusted his chair before he sat down. Attorney General David T. Wilentz, George K. Large, Richard Stockton, Anthony M. Hauck. jr.. and others of the prosecution staff appeared in court shortly before 10 o'clock. Mrs. Anna Hauptmann came in alone and took her accustomed seat near the defendant. She soon started her usual morning chat with Haupt mann. Trencbard Confers With Prosecution. Court convened at 10:14 a.m. (E. s. T.). Justice Trenchard had delayed the opening oi the session ior a confer ence in chambers with Reilly and Joseph Lanigan of the prosecution staff. The jury was polled and Trendley took the witness stand. Before his direct examination Wilentz rose to his feet and addressed Justice Trenchard. Wilentz referred to the statement yesterday of Louis Kiss, New York silk painter, that he took his child to a hospital a week before the kidnaping. The witness testified he saw Haupt mann in the Fredericksen bakery on the kidnap night and fixed the time as one week after the hospitalization of the child. The State counsel asked that the hospital records be admitted to show the child was received at 1:20 a.m. on February 22, 1932. A week after that date, the State pointed out, would be February 29, and not March 1. Reilly said the defense joined with the State in asking the hospital rec ords be incorporated in the court rec ord. "We welcome it." Both defense and State agreed to stipulate February had 29 days in the leap year 1932 and that one week after February 22 that year was Feb ruary 29. The stipulation was to avoid the necessity of having a 1932 calendar admitted in evidence. Justice Trenchard said the record would show the stipulated facts. Expert Says Bruno Did Not Write Notes. Reilly resumed questioning of Trend ley. The witness told of examining the Hauptmann writings, the ransom notes and the charts of the State experts. Q. As a result of your study, are you in a position to render an opinion as to whether Hauptmann wrote the ransom notes? A. In my opinion, he did not. Reilly directed the bespectacled ex pert to direct his attention to the handwriting charts prepared by Albert S. Osborn, the first handwriting au thority who appeared for the State. Trendley, in response to a question, said his examination of the charts of all the State experts showed they did not use the same characters and words as Osborn's as a basis for comparison. He added some experts used some of the same letters and words, but not all of them. Reilly asked Trendley to pick out from the charts of Osborn the "D" in "Dear sir" of the first ransom note. Trendley said neither the letter nor the entire word "Dear" was among the Osborn exhibits. Trendley examined the Osborn charte further and asserted the word "sir" of "Dear sir" and the exclama tion point following were not depicted. Say· State Omitted Fen Characters. Reilly took the nursery note and letter by letter had Trendley tell the jury Osborn had not included the characters pointed out in his photo graphic chart already in evidence. While the smoke from the pipe of Elmer Hann, the court crier, drifted into the court room through the open door of the judge's chambers, Trend ley continued his recital of lack of similarities In certain words of Haupt mann's writing and the ramson notes Q. Did you examine the handwrit ing of other persons particularly Isador Fisch? A. Yes. Reilly's question was the first im plication of the day that the defense would seek to prove Fisch, Haupt mann's dead business partner, was the writer of the ransom notes. The slow recital and examination of the charte continued. Some of the jurors watched. Others gaz<:d about the room. A bag of cough drops was passed among them. The restless movement and cough ing In the crowd increased. As Reilly finished examining Trend ley on each line of the nursery note and bringing out the words and char acters were not shown on the Osborn charts, he asked each time: "Am I correct, then, Mr. Trendley that these lines do not appear on Mr. Osborn's charts and that you have taken these lines into consideration In forming your opinion." "I have," was always the answer. Pattern of Hand Ii Explained. Reilly suddenly Interrupted his In terrogation on the ransom note to Inquire what "the pattern of a hand" meant In handwritting. "The method of the formation of the letters," replied Trendley. Q. In photographs is it possible to retrace the pattern of a handwriting by the use of the retouching pencil of the negative? A. No. Q. Can lines be made longer or shorter by retouching a negative? A. Oh yes. Q. Is It possible then to distent writ ing by the way a negative is printed? A. Yes, you can do all that with photography. Q. Is it possible to produce a dif ferent slant by the way a writing is photographed? A. Yes. Q. And a different shading of the pen strokes? A. I tjfrlnk you could do (0. ' Q. If the photographs were made in an artificial kind of light, wouldn't that too make a difference? A. I don't think so. Attack on Photographs Of State Seen. Reilly by his series of questions on the photography of handwriting ap peared to be laying the ground work for an attack on the trueness of the State's photos of the Hauptmann writing which has been used for com parison with the ransom notes. Reilly Indicated a "we" in Haupt mann's writing. Q. You do not find a "we" like that on the ransom notes? A No. The heavy-set defense counsel, with arm extended, held a chart showing "e's" before the jury while a ransom note was passed among them. He sought to demonstrate Trendley's assertion there was a dis similarity between ransom note "e's" and those of Hauptmann. The session had relapsed into a listless aSair. The audience whis pered in surreptitious conversation The three most interested persons in the room apparently were Haupt mann, Col. Lindbergh and Justice Trenchard. Mrs. Hauptmann looked bored. The testimony droned on, punctuated occasionally by the boom of Reilly's voice as he asked a ques tion. Reilly referring to the "were" in tended to be "where" in the nursery note. He said it was "a peculiar word, an important word, it sticks out." Trendley examined the charts and reported neither the word nor any combination of its letters was shown. Q. Did you hear Mr. Osborn say he examined the ransom notes, par ticularly the nursery note? A. Yes. Trendley said there was a differ ence between Hauptmann's "the's and those in the nursery note. Os born, he added, had failed to photo graph the nursery note "the's." Court declared a 5-minute recess at 11:30. Reilly asked Trendley it he con sidered the "y's" of the nursery note a very distinctive characteristic, and the expert said they were. Argued by Counsel. The defense chief then produced a Christmas card bearing some hand writing not identified and inquired if there was any similarity. Lanlgan objected to the production of the card, and Reilly agreed to argue the point at sidebar during the recess which followed almost im mediately. During the recess Reilly denied the defense planned by its handwriting experts to accuse Isador Fisch, Haupt mann's dead business partner, of pen ning the ransom notes. "We never contended Fisch wrote the notes or that he perpetrated the crime," he said. "I believe that he got the ransom money. We don't know who wrote the ransom notes." Court reconvened at 11:42 a.m. "We are not here," Reilly added to his statement at recess time, "to prove who wrote the ransom notes, but to prove Hauptmann didn't write them " The defense position of the hand writing, although not phrased m so many words, seemed to be to cast doubt on the theory that anyone al ready mentioned in the case could have written them. It was also indicated that the de fense, through implication, might try to convince the jury that Fisch had obtained the ransom money in any one of several ways. Reilly resumed the questioning of Trendley with the remark: "I now begin the second paragraph of the nursery note." Witness Fails to Find. First Two Wordi on Chart Trendley said he could not find the first word "we" on the charts. The second word, "warn," was not found on the charts either, the witness testi fied. Reilly reached "line seven" of the nursery note. Q. And not a single symbol on the Osbom charts? A. No. Q. From your examination of the nursery note would you say it was writ ten freehand or disguised? A. It was written disguised. Q. Part written and part printed? A. Tes. It is my opinion the left hand may have been used some time. Reilly asked Joseph A. Lanlgan to identify a booklet containing photos of the ransom notes. The prosecu tion aide refused. It was not in evi dence, Lanlgan pointed out, and the defense was privileged to Introduce its own exhibits. "This is unheard of, your honor," Reilly said. "This is a book of pic tures of the ransom notes, supplied to the defense by the State." "Whose ransom fetes?" Interposed La#igan. Γ I "You know we have no ransom notes," Reilly retorted. The defense attorney said he would proceed without the booklet, but Jus tice Trenchard asked Lanigan to identify the book. Lanigan did and Reilly agreed to hold the book himseli and present the original of the nursery note to the jury. The State indi cated the booklets used by the jury before would be available after the noon recess. Word "Notify" Stressed As I'nlike Hauptmann's. Reilly, continuing, brought out that the word "notify" in subsequent ran som notes was not similar to that in the nursery message and that Haupt mann's writing of the word *"85 dif ferent. During most of the testimony on the nursery note Charles S. Walton, sr., foreman of the jury, held the original in his hand. Subsequently Reilly put the pro tested booklet Into the hands of the jurors, displaying the photo of the nursery note, without objection from Laniçan. "Does that appear to have been written in disguise?" Reilly asked Trendley, indicating a word in the first ransom note. "No, but it was written with y>me difficulty," Trendley answered. Q. Did you pay attention to this "D"? A. Yes, naturally, it's a multi farious "D." Q. Do you put It on Osbom'c chart? A. No. Reilly, pointing to an "is" in the ransom note and to the one in Haupt mann's, asked if they were in the same hand. "They are not," Trendley said, giv ing a detailed explanation of alleged differences. Reilly then stopped his questions, suggesting a noon recess. Court took its luncheon recess at 12:31 p.m. The afternoon court session started at 1:46. Reilly returned to the nursery ran som note and called Trendley's atten tion to the line which read "the child is in gut care." The expert said the word "gut" was unique and distinc tive and would attract the attention of any expert in handwriting. He added that he studied the word "gut" carefully and it figured in his conclu sion as an expert. The word "gut" occurred in the ninth line of the note, and Trendley said only the word "is" in all those lines appeared in the Osborn charts. Believes Left Hand Made Strokes. rtie strokes in words in tne tenth line of the nursery note, Trendley testified, appeared to have been writ ten with the left hand. Hauptmann testified he was right handed. Reilly asked if certain words in the line indicated any intention to dis guise. "Well—now—yes, it would show an intention to disguise," Trendley an swered. Trendley added that such pen strokes should be carefully studied, but none of them was present in Os born's exhibits. The witness said that the word at the end of the nursery note, indicating the identifying symbol, could be read either "instructions" or "indication." Either word could be seen, he nid, in the nearly illegible scrawl. The slant of Houptmann's writing, the expert said, was common to Amer ican and English script, originating with the Latin. Reilly drew this deduction from Trendley: That Osborn drew his conclusions of similarity between the nursery note and Hauptmann writing from the single word "is." , There was no comparison, Trendley testified, In the Hauptmann writings to the writing of "singnature" in the nursery note. Trendley said there was a "continual variance aU throughout" the first ran som note. He reiterated he was con vinced that letter by letter there was no similarity between Hauptmann and ransom writings. His declarations brought no stir, for the court seemed to have relapsed into a dull lethargy. Q. So taking the whole nursery note, Mr. Osborn with 40 yeaVs of testifying behind him, picks out the word "is" and compares it with the Hauptmann writing. A. Yes. Q. And do you consider it suf ficient to send a man to the electric chair? Lanigan objected to the question before an answer was given and wis sustained. Trendley said in all of the ran som notes the "a's" were square, while in all the Hauptmann'· writ ings the letter was oval. It was physically impossible for a writer, the witness asserted, to make this difference W|hls hand, however disguised. F/ Haiiptmann Defense Witnesses and Stricken Juror No. 1—Liscom C. Case, 65-year-old juror No. 11 in the trial of Bruno R. Hauptmann, shown being helped to court at Flemington by Juror Philip Hockenbury, left. Case suffered a heart attack, but doctors, while prescribing treatment, say his illness is not serious. If he were to be with· drawn, a mistrial would have to be declared. No. 2—Witnesses for the defense snapped outside the court room. I-eft to right: August von Henke, Lou Harding, Louis Kiss and El vert Carlstrom, with Malcolm C. Wei se of the defense legal staff. No. 3—Arthur Larsen, through whose testimony the State hopes to shake the evidence offered by Carlstrom, Swedish carpenter. Carlstrom testified he saw Hauptmann in the Bronx the nighf oi the kidnaping. Larsen claims Carlstrom was in Denellen, N. J., with him that night. No. 4—John M. Trendley, 67-year-old handwriting expert ol St. Louis, whose qualification has been attacked by the State. No. 5—Philip Moses, a Bronx taxi driver, called as a witness by the defense. —A. P. and Wide World Photos. ι 1 23d Day Finds Hauptmann Still Enigma to Court Throng Prisoner More Grave and Less Sullen, but Buoyancy of Spirit and Moods Reflected in Smile Baffle Analysis. By the Associated Près». FLEMING TON, N. J., February I.— j On the twenty-third day of his trial for the kidnap-killing of the Lind bergh baby, Bruno Richard Haupt mann Is as much of an enigma as ever. This Is true despite the slow change which has come over his exterior since the first day he was brought into court and heard Attorney General , David T. Wilentz, speaking for the : State, name him as the man who abducted and killed the Lindberghs' first-born son. Grave Instead of Sullen. Re is no longer sullen; he Is grave. Yet there are times, many times, when he seems possessed of a buoyancy of spirit which evades analysis by those who look on him and try vicariously „ to live his long hours in court and the longer hours in his lonely cell in the Hunterdon County Jail. This puzzlement persists even when they remember the pictures of the man as he was in that Summer of 1932 when he swam and pitched horseshoes and played the mandolin on Hunters Island. He has shown flashes of anger in court. He has been irritated. He has been amused, and his lipe have broken in soft laughter. Once, too, when his wife, Anna, testified, the faintly luminous quality of. his deep-set eyes was heightened by a suggestion of tears. He smiles frequently, but that so many times is a fixed smile. Evokes Pity and Hate. In many who have seen him he evokes pity; in others, hatred. Pew retain a neutrality of mind; none, az ndiflerence. You can see him as the State pic· wes him—making the ladder, steal jig into the window, killing the baby uritlng the ransom notes and collect· ng $50,000 in a graveyard. Or you can see him as the defensi ;hows him—working hard as a car Tenter. saving his money, playing th< ;tock market and winning, finding ι loard of ransom money and spendinf tome of it. Court Animosities Only Part of Act in Trial of Hauptmann Br the Associated Press. PLEMINOTON, N. J.. Febru ary 1.—The court room animosi ties between prosecution and de fense counsel at the Hauptmann trial appear to be part of the act. Edward J. Reilly, chief counsel for Bruno Hauptmann, and Joseph Lanigan, assistant attor ney general, engaged in bitter attack on each other's remarks during the examination of a handwriting expert's qualifica tions yesterday. Each asked the court to strike the other's state ments from the record. A moment before, Reilly had taken a seat near Lanigan's chair, with the low-toned remark: "111 sit here, Joe." Where 'Witness' Was Bound Copyright, A. P. Wirephoto. Mrs. Fanette Rivkin, possible witness for the State in the Hauptmann trial, was found bound and gagged in this beauty parlor yesterday, and told polioe she was attacked by a "man with af alee wig," who set fire to the chair |nd left her to burn. ** η BRUNO'S BACKERS DECLAREOWARNED Reiily Claims Seven of Wit nesses Intimidated by "Plug-Uglies." (Copyright. 1935. by the Associated Press.) FLEMINGTON. N. J„ February 1.— Defense counsel, introducing the first of their expert testimony today to counteract the State's evidence that Bruno Richard Hauptmann slew the Lindbergh baby, charged intimidation of the prisoner's alibi backers. Edward J. Reilly, burly chief of the defense staff, said: "Seven of my witnesses have been intimidated by men—plug uglies—who came to their homes and claimed they were représenta ting the State of New Jersey." He expected to call several addi tional alibi witnesses, but "if I should give you their names, you can be sure they never would get here." Longer Trial Threatened. Becaut· of the prosecution's tactic: against lus witnesses—putting police on their bail while still keeping their under relentless cross-examination— he might call 50 more persons to tes tify. This would prolong the trial "two or three weeks." Reilly said the "plug uglies" showed no credentials. "They warned our witnesses to staj out of New Jersey if they knew what was good for them," he asserted. "I'll say this much: I know thej did not come from Attorney Genera! Wilentz or the prosecution staff, but I have a pretty good idea where the] came from." Handwriting Expert Called. The seven witnesses were under stood to live In New York, when H&uptm&nn's alibis place him or March 1, 1932, when Charles Lind bergh, Jr., was stolen from his crib a Hopewell, and on April 2, 1932, wher $50,000 ransom was paid In vain. Reilly planned to continue the de fense case today with testimony thai Hauptmann did not write the 14 notei leading up to the ransom payment. His first witness was John M Trendley, a handwriting expert iron East St. Louis, 111. Trendley qualifiée yesterday, just before court recessec for the night. He had no chance U support Hauptmann's denial of guilt but outside the court the expert as serted: * "He never wrote 'em. He's stil holding the fort." Trendley Under Fire. Trendley's qualifications were vigor ously denied by the State, which drew from him admissions that he had con tradicted himself and given "curb stone" opinions In other cases. Reilly contended that Trendies merely proved his honesty by his ad mission "he might have been mistaker in three or four cases" out of "387 oi more" in 40 years. Justice Trench arc ruled that the 67-year-old witness experience qualified him. Discussing his ability to imitate sig natures, Trendley said he was "second only to one forger, and he went tc jail." Beyond hinting it might seek tc establish that the notes were penned by a left-handed writer, the defense did not disclose m advance Its attack on the States' handwriting case. Reilly Shows Satisfaction. Trendley, however, planned to use the prosecution's charts, seeking tc prove by the same enlargements which the State used that Hauptmann could not have written the originals. . Reilly expressed satisfaction with the alibi and surprise witnesses who took the stand yesterday. Three of them testified they saw Hauptmann In a Bronx bakery about the hour of the kidnaping, and the fourth said two men, neither of them Hauptmann, drove an automobile with a ladder through Princeton the same day and stopped to ask him the way to the Lindbergh estate. "They had the courage of their own convictions to get up there and tell the truth," Reilly said. "The defensi now has about a dozen witnesses on the alibi phase of the otoe. and wt are going to prove Hauptmann inno cent in an orderly, routine way." ' 8 ta te Maps Rebuttal. The prosecution, however, found satisfaction in having made one admit a reformatory and jail record, anothei tell of peddling homemade rum, a third concede that his restaurant had been the target of liquor raids and the fourth refuse to say what he did one night because he might "incriminate or degrade" him. The State also indicated it would call two witnesses in rebuttal to say that El vert Carlstrom. the witness who balked at completing his narrative, was not in the Bronx on the night in question. Attorney General Wilents said, however, he probably would not call Esther Ellison, the girl in the Bronx whom Carlstrom first testified he went to see. The witness said he did not appear at her house. Neither will the State call Mrs. Fannette Rivkin. Bronx beauty parlor operator, who was found bound and gagged in her burning shop yesterday. Her story that Mrs. Hauptmann gave her ex travagant tips is useless, an authori tative source said, because Hauptmann himself said his wife knew nothing of the ransom money. Story Arouses Doubts. In New York, Fire Marshal Thomas P. Brophy said he was "not satisfied at all" with Mrs. Rlvkin's story that a man with a false mustache bound her and ignited waste around her chair. The opening of the defense hand writing testimony found the State ready to meet it in rebuttal. Two of its own experts are ready to resume the stand, the prosecution de clared. They are Albert D. Osborn, son of the State's first chirographer, and Clark Sellers of San Francisco. Meanwhile, the defense counsel pushed its preparations to meet the State on every technical phase of the case. Besides presenting hand writing experts, they sought doctors to question the competency of the autopsy report and wood experts to deny that a board in the kidnaper's ladder came from Hautpm&nn's home. Saturday Recess Sought. Hauptmann's counsel Indicated they would seek means of obtaining an adjournment over Saturday. On every Saturday during the month-old trial either the defense or the prosecution has discovered some duties, the Saturday completion of which, they have pointed out to the court, would save running time in the trial. Justice Trenchard. who began the trial with the announcement that there would be no Saturday recesses, always has proved amenable to those time-saving suggestions. "I'm hoping we'll be able to save some more time by adjourning over the week end," Reilly said. "The de fense has some work to do outside the court." TAX PLEASES OWSLEY Bill Recalls Fact That He Owned Property. DALLAS, Tex. OP).—Home on a va cation, Alvln Owsley, United States Minister to Rumania, was both sur prised and happy to receive a letter saying he owed the city (314.71 in delinquent taxes. "I'm glad you reminded me about that property," he told Assistant City Attorney Hughes Knight. "I'd for gotten about owning it." REILLV SEES HOPE IN LADDER REPORT Hints State Holds Evidence That May Absolve Hauptmann. Br the Associated Pris». FLEMINGTON, n. J., February 1.— Edward J. Reil y, chief of defense counsel, said today he understood a police report on the structure of the "kidnap ladder-' which might clear Bruno Hauptmann of the Lindbergh baby killing Is in the possession of the State. "I have been told that State experts made this report and turned it over to Gov. Moore, when he was In office," Reilly stated. "Hauptmann's counsel wants to know what was in that report. If it is favorable to our case, as we suspect it is, we shall make a demand that the content be placed in the court record" Expert Testimony Seaght. The Brooklyn attorney disclosed that the defense counsel is seeking several experts to refute various phases of the State's case. "We want some good medical men to examine the Suite's autopsy of the body described as that of the Lind bergh baby. "Preliminary investigation seems to indicate that the State theory as to cause of death breaks down in several places. We Intend to challenge the State's testimony." He asserted that Frederick A. Pope, an associate, is obtaining the services of two eminent lumber experts to at tack the testimony of Arthur J. Koehler, Federal wood technologist, who testified for the State that one of the stripe found in the ladder came from Haiintmann's etlir fl nor in g. Reilly Reveals Rase. Re illy said he would devote the ses sion today to the examination of J. M. Trendley, East St. Louis, HI., hand writing expert. ' Asked whether Trendley would Imi tate the ransom note handwriting or the signature of the defendant in an effort to discredit the State s experts, Reilly replied: "We've already done that, but the chief expert of the State ran out on us." Reilly said Hauptmann and the imitator had written 14 words and they had been handed to Albert S. Osborn, chief of the State's witnesses, while be was on the stand. "Osborn ducked the problem as to which of the writings were Haupt mann'»," the attorney remarked. "He caught Wise and declared he had no opinion." Fiseh to be Named Again. The chief ol the defense counsel re vealed he intends outlining through witnesses Isador Fisch's alleged "com plicity" in the Lindbergh crime the beginning of next week. "We are going to start with Fisch." Reilly said. "Along the way we'll probably have a few more alibi wit ! nesses. "Then along about the end of the week, we are going to bring up the Condon phase of the case. We are going to show that while Dr. Condon was traipsing around the country, apparently working on the case, he gave out several contradicting state ments with regard to his identification of Hauptmann." BRUNO NOTE GUILT DENIED BY EXPERT ON HANDWRITING (Continued From First Page.) by the shading of the negative while printing?" "I think you could, yes.™ Examined Fisch Writing. ·* Trendley said he had examined the handwriting of Fisch, from whom Hauptmann claimed he received the ransom money that was found in his garage. Giving an instance of why he be lieved Hauptmann did not write the I notes, Trendley referred to the for mation of the letter "γ." "And that y ends In a straight downward stroke—correct?" Reilly asked of a "y" in the first ransom j note. "Yes, it does," Trendley said. "And then we find another one alongside of it with a downward stroke and a hook on the right?" "Yes." "And then we find in the Haupt mann request writing a y on the same chart, downward stroke, hooked to the left?" "We do." Critical of Osborn. The defense was sharply critical ol Osborn's chart, bringing out through Trendley that Cteborn had omitted many words from the first ransom note, the nursery note. "So, then, is it not a fact that, be ginning 'Dear sir," line one. 'have $50,000 ready, $25,000 in," the end of ' line two. '$20 bills. $15,000 in $10 bills I and,' line three, '$10.000 in $5 bilk j after 2 to 4 days,' then to line four, 'we will inform you where to deliver,' end of line five, you cannot find on Mr. Osborn's chart any symbol, letter or word taken from thoee five lines?" "I cannot," said Trendley. J A. Bank for the INDIVIDUAL The Morris Plan Bank offers the IND1 V1DUAL the facilities of · SAVINGS BANK with the added feature of offering a plan to make loans on · practical basis, which enables the borrower to liquidate his obli gation by mean· of weekly, semi monthly or monthly deposits. It it not uects tar y to have had an account at this Bank in order to borrow. Loans or* passed within a day or two ajter filing application—with few exceptions. MORRIS PLAN notes are usually ■made for 1 year, though they may be given for amy period of from 3 to 12 mouths. MORRIS PLAN BANK Under Supervision O. S. Treasury 1408 H Street N.W., Washington, D. G "Character end Earning Power Are the Basts ol Credit"