#### Dora Badesch, Appellant, *v.*Congregation Brothers of Willna, Respondent.

(Supreme Court, Appellate Term,

March, 1898.)

1. Benefit societies -- Construction of by-laws where they constitute the entire contract.

Where the entire contract of membership is embodied in the by-laws of a benefit society, all the by-laws must he considered and a beneficiary cannot claim the benefit of any one section to the exclusion of other sections.

S. Same — By-laws limiting general benefits to members under forty-five years.

By-laws deemed to indicate an intention that general benefits shall be enjoyed only by members under forty-five years of age. .

3, Same — Parol evidence to qualify by-laws.

Parol evidence, as to what a member, over forty-five years of age, said when he paid money to the society and for what purpose he paid it, is inadmissible to qualify the effect of written by-laws.

Appeal by the plaintiff from a judgment of the District Court in the City of New York, for the fifth judicial district, rendered in her -favor., by direction of the justice, for the sum ¡of $5.

Abraham H. Sarasohn, for appellant.

Alfred Steckler, for respondent.

Giegerich, J.

The plaintiff is the widow of one Max Badesch, deceased, who, at the time of his death, was a member of the defendant corporation. She seeks by this action to recover certain benefits provided for by its by-laws, .which, in part, provide:

“Article III. Sec. 1. No one shall become a member of the congregation if he ¡or she is under eighteen years of age or above forty-five.

“Article HI. Sec. 2. The designated price ¡of the initiation, as it is wjritten out in the fourth article is only unto the 45th year,, hut above 45 years the price, shall be according to the resolution 'of the members of two-thirds majority, and then he cannot claim any benefits except cemetery and the other requirements for him and his family.

*161“Article V. Par. 18. By the death of a member, or of his wife, the same receives everything necessary for the burial; a hearse, three carriages and minion during the week of religious mourning and attendance of ten during the week of. mourning.

“Article Y. Par. 22. If the deceased leaves him surviving a widow she shall receive from, each member one dollar. Should there be no widow surviving, but orphans under the age of twenty years, unmarried, they shall see to it that the money shall be appropriated to the best interests of the orphan, and to call a special meeting right away to pay out that money, and whoever does not pay that money in the period of sixty days of the death shall be considered in arrears.”

The deceased was between sixty-eight and seventy years of age when b° joined the congregation, and at the time of his death had been a member for eleven years.

At the conclusion of the case each side moved for the direction of a verdict; and, while the plaintiff’s motion prevailed, the justice, in his direction, restricted the verdict in her favor to the sum of five dollars, which is the amount provided by Article Y, paragraph 7, to be paid to a member who has "observed an entire week of mourning. The plaintiff’s exception to such ruling, of course, limits fis upon this appeal to a review of questions of law only. Stirn v. Hoffman House Co., 8 Misc. Rep. 246, 248, and citations. She insists that the justice erred in refusing to direct a verdict in her favor for the so-called endowment of one dollar from each member, as provided by paragraph 22 of Article Y of the by-laws. This presents for determination a question as to the exact legal construction of a contract.

The contract of membership which existed between the deceased and the defendant corporation was only that embodied in the latter’s by-laws (Hellenberg v. District No. 1; etc., 90 N. Y. 580; May v. N. Y. Safety Res. Fund Soc., 14 Daly, 390; Poultney v. Bachman, 31 Hun, 49; 2 Am. & Eng. Ency. of Law [2d. ed.], p. 1081), and, the plaintiff’s claim being founded thereon, she must be held to accept it in its entirety. Therefore, the by-laws should be considered in their entirety as essential to a proper construction of any particular part, and the plaintiff cannot claim the benefit of any one section to the exclusion of another.

A careful scrutiny of the above cited provisions makes it clearly apparent that article III, section 2, expressly limits the benefits con*162ferred by article -V* paragraph 22, to members not over forty-five years of age. So obvious and reasonable, to my mind, is this conclusion,. that no negative or restrictive words are required to authorize such an interpretation. *Expressio unius est exclusio alterius.*

.The plaintiff also seeks a reversal ,of the judgment for alleged error in rejecting evidence. Samuel Badesch, a grandson of .the deceased, testified to having 'accompanied the latter to meetings of the defendant corporation, and to seeing, him pay money there and hearing him converse as to the amount paid and the object of its payment. The following question was then asked of him:

“ Q. State what conversation you had and what you saw at the meeting of the congregation as to the amount of money paid 'by your grandfather, and for what he paid it? *”*

An objection as to the competency of this question was sustained, to which plaintiff noted an exception.

It is well settled that parol testimony cannot be received to contradict, vary, add to or subtract from a written instrument clear in its terms and complete on its face. House v. Walch, 144 N. Y. 421; Norton v. Woodruff, 2 id. 153; Wiggin v. Knights of Pythias, 31 Fed. Repr. 122. The ruling of the justice was, therefore, proper unless the plaintiff had been deprived from establishing by custom, or acts of the parties, a practical construction of that portion of the by-laws under consideration. Brooklyn Ins. Co. v. Dutcher, 97 U. S. 269; 3 Am. & Eng. Ency. of Law (2d ed.), p. 1082, *et seq.*This right, howeverj does not appear to have been denied the plaintiff, who could have interrogated the' witness as to such subjects. This she omitted to do, however, and the exception taken is not available. Chase v. Senn, 13 N. Y. Supp. 266; 36 N. Y. St. Repr. 36. This disposes of all the questions raised by the appellant. We are satisfied, after a careful reading of the record, that the rulings of the justice were in all respects correct

The judgment should, therefore, be affirmed,, with costs.

Beekmak, P. J., and Giedersleeve, J., concur.

Judgment affirmed, with costs.