Bisbee daily review., 1904-02-17
Money Lender Has
 Income of a King
Q. H. HOLMAN IS SAID TO MAKE s5oo,ooo A YEAR BY ExAcTiNo
 ExoRsITANT INTEREST.
Operates in Fifty-seven Cities m the United States-Appsieants for Loans Must Pass Searching Exam ination.

New York, Feb. 16.-Wtth double centered web, spreading 10 fitty-seyen cities, reaching from the Atlantic 10 the Pacific and from the Gulf of Mexi- co to Canada, D. H. Holman, said by Assistant District Attorney Kressler to be the chief of the money lenders exacting exorbitant rates of interest, now is in receipt of an income exceed ed by that of few of the captains or industry of the United States.
 Chasing himself as private bank CT" Holman squeezes from the wage earners of this city at least s50O,O0O each year. His business in washing ton is said to be almost as great as that in New York, while Chicago for many years has been fat field for bis operations.
 Investigation made by detectives, under the direction of the District At torney shows that the methods of the usurers of New York are of nature 10 make the original Shylock appear as a genius of generosity Conduct ing his business on as careful plan as is done by any of the great banking institutions in the country. Tolman has prepared a schedule not unlike that made use Of by the life insurance ,companies.
 Those who apply 70 him for loans are classified not acccrding to age, but :arcording to the amount of money that is received by them. The man who earns 8 a day can borrow from Holman only a small sum. while the man who earns $500 a month can bor- row a fairly large amount, but each has to pay interest in proportion 70 the amount of tbe loan. The appli- cant for loan, before he receives his money must pass an examination that makes the questions of a census .skeC appear simple.
 Searching Examination.
 Starting with his full name, the ap- plicant must tell in writing by whom .he is employed and where; who is his direct superior in his place of employ ment and in what department he is employed He must then tell the amount of his salary and when it is payable He must give list of his debts. telling why each was accumu- lated.
 Next the applicant tells whether he is married or single. how many chil- dren he has. what church. if any he attends. and who is his pastor Next the money lender demands to know the names of the applicants closest friends; the names of a dozen of his fellow-employes and the names of his trades people. The names and ad- dresses of his parents are required. as are the names and addresses of his wife's parents and finally the names and addresses of his brothers and sis ters and the names and addresses of | his wife's brothers and sisters. Having properly identified himself and placed all his secrets in the pos session Of the money lender, the ap- plicant for a loan is just one step nearer the cash he may need to pay for a physician to visit dying child
 Profits of the Business.
 It is the plan of Holman to more than double the capital invested ev- cry forty weeks. To do this a pretty program has been arranged. The mechanic who desires an accommoda- ton of SIS, visiting one of the offices of Holman & Co. is told that his appl- cation must be made for s20, as one dollar is charged for an application fee and another dollar is charged for brokerage.
 When the SIS is obtained by the borrower. he attaches his signature to notes with face value aggegating BPS. covering twenty weeks. In this way Tolman makes certain of being repaid in twenty weeks s156 for every s100 lent by him.
 Just how Holman obtained the large capital required for him to spread his money lending business into fifty seven cities he has never explained. It has been suggested that the presi- dent of one of the banks of the city belonging to that class whose methods do not commend themselves to the clearing house has been silent part- ner in Tolman's deals
 According to former employes Of money lender, it was dull day when $500 was not lent from each of his six New York establishments. This mdkcS So,UOV tue uiulIuuui 1cAL LII New York each day by Tolman. Al lowing 300 days to the year in which business is done, his loans amounted to s900, 900 annually. It requires only a glance at a table which was pre- pared by himself to show that his pro fits on such loans are s500,000 in this city alone.
 Thousands Involved.
 Thousands of wage earners in New York City are in the grip of Tolman- Among them are clerks of all classes, postofices employees, telegraph oper- ators, policemen and firemen, labor CTS, railroad men and not few pro fessional men, including lawyers, doctors and clergymen. In Washing. ton the list of his customers includes hundreds of department clerks and ii is said that even members of the