Form 3811
Rev. 1-4-40

RETURN RECEIPT

Received from the Postmaster the Registered or Insured Article, the original number of which appears on the face of this Card.

1 AUG 1947

2
(Signature of addressee's agent—Agent should enter addressee's name on line ONE above)

Date of delivery 1947

U. S. GOVERNMENT PRINTING OFFICE 16-12421

1. Checks, drafts and other items drawn on this office of this bank not paid for any reason as of close of business day on which they have been deposited may be charged back to the customer; and, if drawn on any other office of this bank, may be charged back to the customer if not finally paid at such office.

2. Other checks, drafts and other items payable in this city may be charged back to the customer if not finally paid through the New Orleans Clearing House.

3. Checks, drafts and other items drawn on other cities will be handled subject to the following terms and conditions:

(a) This bank will act only as the agent of the customer from which it receives such items, and will assume no responsibility or liability except for its own negligence, nor will it assume any responsibility or liability for any items lost in the mails.

(b) This bank may present such items for payment or send such items for collection direct to the bank on which they are drawn or at which they are payable, or in its discretion may forward them to a collecting agent with authority to present them for payment or send them for collection direct to the bank on which they are drawn or at which they are payable.

(c) Each collecting agent is the agent of the customer and no collecting agent shall be liable for any loss growing out of neglect, default or failure of another collecting agent.

(d) This bank and/or collecting agents may in their discretion and at their option accept either cash or bank drafts in payment of or in remittance for such items and they shall not be held liable for any loss resulting from the acceptance of bank drafts in lieu of cash or for the failure of the drawee bank or any collecting agent to remit for such items or for the non-payment of any bank draft accepted in payment or as a remittance from the drawee bank or any collecting agent.

(e) The amount of any check, draft or other item, for which payment in actually and finally collected funds is not received, may be charged back to the customer, regardless of whether or not the check, draft or other item can be returned.

(f) In making deposits, the depositor agrees with this bank that credit allowed for items on this, or any other bank, or party, is only provisional, and that this bank may decline payment of any check drawn on such deposits until the items of such deposits though credited are actually paid in money.

4. The depositor agrees to reimburse this bank for protest fees (a) on all items over $50.00 protested for non-payment, unless protest is specifically waived by him and (b) on all items of $50.00 or less on which specific instructions to protest are given to the bank.

5. Depositor takes cognizance of the schedule of activity charges in force at the time of the making of this deposit, as per copy on file with the Cashier of this bank, and agrees that same may be charged against this account, as and when, the various services provided for therein are rendered.

For mutual protection it is desirable that books be balanced at least every sixty days.

THE HIBERNIA NATIONAL BANK
IN NEW ORLEANS

R. S. HECHT, CHAIRMAN OF THE BOARD

A. P. IMAHORN, PRESIDENT

J. H. KEPPER, EXECUTIVE VICE PRESIDENT

NEW ORLEANS, LA.

August 15, 1941

Miss Ruth Ingram
816 San Luis Road
Derkeley, California

Dear Miss Ingram:

Your special delivery letter reached us
just as we were closing our work for the day and
I only had time to deposit mother's checks so as
to get them started on their way to New York. Our
Transit Department is going to try to get them
off by Air Mail tonight and will telephone me as
soon as they hear from New York. Will write you
at that time. Sister's checks will be deposited
tomorrow. Duplicates enclosed.

I know that you are enjoying your vacation
and hope to hear all about it when you return.

Manager
St. Charles Avenue Branch
The Hibernia National Bank
in New Orleans

AGR/h

Enc. 2

TEACHERS INSURANCE & ANNUITY
ASSOCIATION

OF AMERICA

522 FIFTH AVENUE • NEW YORK, N.Y.

MURRAY HILL 2-3776

HENRY JAMES, President and Chairman of the Board

FREDERICK A. GOETZE, Vice-President

RAINARD B. ROBBINS, Vice-President and Secretary

DEVEREUX C. JOSEPHS, Financial Vice-President

JOHN W. AHERN, Treasurer

WILMER A. JENKINS, Actuary

RAYMOND L. MATTOCKS, Associate Actuary

LEVI E. BOTTENS, Assistant Secretary

EMIL HANKE, Field Secretary

RICHARD M. HURD, JR., Mortgage Officer

GEORGE E. JOHNSON, Attorney and Assistant Secretary

FRANK A. MCCONNELL, Controller

PARKER MONROE, Investment Officer and
Assistant Treasurer

EUGENE F. RUSSELL, M.D., Medical Director

September 16, 1941.

Miss Ruth Ingram,
1502 Louisiana Avenue,
New Orleans, Louisiana.

Dear Miss Ingram:

In answer to your recent letter regarding the purchase of an annuity for your Mother, let me say that I don't know of any safer form of investment when one takes into consideration all that an annuity purchased from a good insurance company will provide in the way of a guaranteed income at retirement and relief from investment worry. This is particularly true if one lacks experience in investment matters.

It is fair to say that in school and college staffs there is confidence in annuity contracts, so much so that in many cases teachers pay not only the required premiums for participation in their respective retirement systems, but they invest additional amounts in annuity contracts.

I have taken time to inquire here at the New York office of the Peiping Medical College whether your Father had been a member of that college staff. If that had been the case then your Mother would have qualified for our annuity contract service as his widow. I regret that we are not in position to declare her eligible on that basis. Has she herself been a member of the staff of a college or university that qualifies for our service? If so, that would qualify her for our annuity contracts.

There has been considerable change in the past few years regarding the annuity rates of insurance companies. Among the more important reasons for the changes are, of course, the marked decrease in investments during the past decade, as well as the fact that annuitants have persistently lived longer than anticipated by rate tables. Nevertheless, there is just as much comfort in annuities today as in former days and I believe the experiences of this depres-

Miss Ruth Ingram

-2-

September 16, 1941.

sion period have tended to increase their popularity. If your Mother
is in good health you might well invest in an Instalment Refund
Anmuity.

Because of the constant changes that are being made by
insurance companies in rates and contract provisions, I believe it
would be best for you to make direct inquiry locally from several in-
surance representatives as to the offerings of their companies. They
would be posted as to the latest rates and settlement provisions. I
know no reason why you should not consider the Connecticut Mutual in
your inquiry. It might simplify matters for you if you were to seek
the counsel of one or two business men regarding your problem. Per-
haps there are men on your Board who are familiar with insurance mat-
ters or who could refer you to dependable insurance representatives.

Let me make this added suggestion. Tulane University uses
our annuity contracts. The Secretary-Treasurer of the Tulane Educa-
tional Fund is Mr. Lawrence A. Wogan, and the Financial Secretary to
the President is Miss Susan B. Keane. If you could confer with either
of them, I believe you might get some helpful suggestions,--certainly
as to local insurance representatives. If you haven't any other
contact, I believe I would call there on the strength of your former
connection at Peiping Medical and frankly seek their counsel. Or you
might seek conference with some faculty member in the Economics
Department--Dr. Clarence E. Bonnett, Dr. Paul C. Taylor, or Dr. William
R. Pabst.

EH/ms

T. J. FEIBLEMAN
STOCKS - BONDS

210 Carondelet Building
Raymond 3329
NEW ORLEANS, LOUISIANA

New Orleans, La.

Sept. 11, 1942

TO HOLDERS OF

STANDARD FRUIT & STEAMSHIP CORP.
$3 PREFERRED STOCK

We have received unofficial information that the STANDARD FRUIT & STEAMSHIP COMPANY will omit payment of the dividend for October 1st on the above stock. We have given the matter considerable thought and have decided to advise our clients to retain their holdings at least for the present. These dividends are cumulative and will no doubt be paid when conditions warrant. The difficulties which the Company is experiencing are due entirely to the war and the consequent interruption of steamship traffic in the Gulf and Caribbean area. It is our opinion that when these difficulties are removed the Company will be as strong and its earning power as great as ever.

If you wish to consult us further, or any information is desired, please feel free to call upon us.

TJF/T

SCHWARZ, GUSTE, BARNETT & REDMANN

ATTORNEYS AND COUNSELLORS AT LAW

CANAL BUILDING

NEW ORLEANS

RALPH J. SCHWARZ
WILLIAM J. GUSTE
HERMAN L. BARNETT
MORRIS B. REDMANN

EDWARD H. SUTTER
MOISE W. DENNERY
JOHN PAT. LITTLE
FREDERICK B. FREELAND
JAMES M. COLOMB, JR.
MERVIN H. RISEMAN

CABLE ADDRESS
"SWABARG"

October 23, 1942

Miss Ruth Ingram
1502 Louisiana Avenue
New Orleans, Louisiana

Dear Ruth:

Please don't think that I have forgotten the matter of Mrs. Ingram's estate. I called you today to advise you of what I had done so far and I was informed that you would be out of town until next Monday.

As soon as convenient, give me a ring and I can arrange to talk with you and get some further information, such as, the full names and addresses of all the heirs, etc. It may be possible to consider the late Mrs. Ingram as actually a citizen of Pennsylvania and, in line with a conference I had with the Attorney for the State Inheritance Tax Collector, he may be willing to release the funds in the joint account in the Hibernia Bank. He is looking into the matter now and is to advise me further.

If the State of Louisiana releases any claim for inheritance taxes, then it is possible that the Hibernia Bank will be compelled to surrender the money deposited to you upon your signature. If that can be accomplished, then you will be able to handle the matter by mutual agreement among all the heirs.

awaiting word from you,

HLB/m