NERVIEST DEAL OF THE ENTIRE LOT President Hegeman of Metro politan Life Makes a Re markable Admission. REBATE ON INTEREST Wominally Paid Banking Firm 4>/2 Per Cent. Interest and Received Re bates of 3 Per Cent, in Per sonal Checks. New York, Nov. 15.- John A. McCall, president of the New York Life Insur ance company, was called by the com mittee of investigation of insurance companies and peremptorily ordered by the committee, to demand the return 'from Europe to this country of Andrew Hamilton, the lawyer who lias charge of the legislative matters of the New Y'ork Life company. Mr. McCall was further ordered to demand an account ing from Hamilton of the moneys ex pended by him and of the balance which he owes the New Y'ork Life. Mr. McCall denied that it was the policy of his company to have Mr. Ham ilton remain abroad until this investi gation had been concluded, and said that on the contrary he would like to; have Mr. Hamilton return. Mr. McCall, replying to Mr. Hughes, counsel for the committee, said he had: called the attention of the board of' trustees of the company to his testi-J mony relative to Hamilton, and gave; Mr. Hughes a copy of his statement,! which said that if Hamilton did not re-j $235,000 by December 15 he would him-; self pay it to the company. Mr. McCall said Mr. Hamilton was| either in Paris or Nauheim. Another interesting line of examina tion was opened up just before the ad journment for the day, when John Me Guinness, an employe of the Equitable Life, was called. He produced letters, books and memoranda, one of which Mr. Hughes read, and was in the midst of reading another when adjournment was taken. These were instructions of former Comptroller Thomas D. Jor dan, of the Equitable Life, to A. C. Fields, relative to the killing or assist ing the passage of every bill introduced into the legislature that would affect the interests of the insurance company or any of its officers. This line of examination will be fol lowed out when the sessions are re sumed today. New Y’ork, Nov. 13.—John R. Hege man, president of the Metropolitan Life Insurance company, was on the wit ness stand again today before the in-, surance investigating committee. He; presented a statement of rebates paid, to him on interest on loans on his per sonal account. The statement show that Hegeman, paid Vermilyo & Co., bankers, interest at the rate of 4% per cent., and re ceived in personal checks of various in dividuals of the firm, at different times, a rebate of this interest at the rate of 3 per cent. New York Life Must Disgorge. John A. McCall, president of the New Y'ork Life Insurance company, was called before the insurance investigat ing committee today and ordered by the committee to demand the return to this country of Andrew Hamilton and account for moneys which Hamil ton has expended and for which the New York Life holds no vouchers be yond the personal receipts. Hamilton is believed to be in Eu rope. McCall said that if Hamilton does not repay the company before Decem ber 15 the sunt of $235,000 which Ham ilton received from the company and has not accounted for, he, McCall, will pay the amount himself to the New York Life before December 30. Loaned Money Too Cheap. It was shown that the Metropolitan Life made loans of $100,000 to $200,000 at one-half of 1 per cent, interest to William Reade, of the firm of Ver milye & Co., on various dates in 1901 to 1903. The market rate for call loans was at the time from 4% to 5 per cent. Vermilye & Co. were the bankers of the Metropolitan at that time, and when Mr. Reade resigned from Ver milye & Co. and went into business for himself ho became the company’s banker. Mr. Hegeman's explanation for making these loans below the mar ket fate was that as valuable services had been rendered the company it sought to repay favors where it could. Mr. Hegeman said that through the watchfulness of Vermilye & Co. the Metropolitan Life Insurance company had now $3,000,000 or $4,000,000 that could be burned without impairing the solvency of the company. On bonds and stocks the Metropoli tan had cleared, according to Mr. Hegeman, about $1,200,000, and on syndicates into which Vermilye & Co. instructed the company to participate the company has made about $050,000. G0IV1PERS TO HOLD OVER National Convention of the American Federation of Labor Holds 25th Meeting. Pittsburg, Pa.. N^v. 15.—The old lity hall was crowded today when Presi dent Samuel Gompers called the Amer ican Federation of Labor to order for the opening session of the silver anni versary of the organization. All delegates, representing every state in the union, Canada, England and other foreign countries, were in their seats. -jF +■ w One of the interesting lights t&siigJq ‘ augurated at tbven flop it trouble between'"'the plumbers' a lid steamfUtej*' unions. It j: cents. Industrials seein to have no bottom. The city is full of rumors to the ef fect that the imperial ukase was is sued over Count Witte’s head,at the instigation of the reactionaries, which is equivalent to the count's retirement; but it can be stated with positiveness that the action was taken up on the .•premier’s advice. Count Witte favored and impressed upon his majesty the advisability of restoring Finland’s con stitution and reversing the policy of the russification of the grand duchy, but to surrender autonomy to Poland after all the old grievances of the Poles had been redressed and they had been 'placed upon an equality with Russians, the count considered would only be a prelude to an attempt to set up the ancient kingdom as a separate entity and would involve ultimately either the dismemberment of the empire or the necessity for bloody suppression such as marked the revolutions of 1831 and 1862. It was regarded as wise, therefore, to take the bull by the horns and let the Poles understand that the separate movement would not be tolerated, and that until they came to their senses further efforts to place in operation the reforms of the manifesto would be sus pended. It is generally believed that both Germany and Austria have given Russia assurances of support, but of what nature cannot be learned. Whether or not this is true, Ger many and Austria naturally are inter ested, each of them having a Polish problem on their hands, and in not raising the Polish hopes of a restora tion of the ancient kingdom of Poland the present movement In Poland cer tainly will not receive the sympathy of the governments beyond the west ern border. Warsaw, Nov. 13.—In Ostrowtecka ■ street at 9 o'clock last evening an In fantry patrol without provocation fired into a crowd of Jews, seriously wound ing eight Relief for Peasants. Ixtndon, Nov. 13.—The St. Peters burg correspondent of the Daily Tele graph says that an imperial manifesto will shortly bo Issued granting relief to the peasantry by the cancellation of some twenty million roubles of arrers of the land redemption tax which has been levied since the emancipation of 1861, together with the extension of the operations of the peasant banks. No Liberty for Poland. St. Petersburg, Nov. 13.—Poland Is not to be pefinitted to become a second Finland. The Russian government, in a strongly worded communication pub lished this morning, serves notice on the Polish nationalists that for good or ill the ancient kingdom of Poland has become an intergral part of the Russian empire and that while the government intends to fully observe the national rights of Poland any at tempt to wrept Polish autonomy from »he emperor would be considered an fict of revolt and would lead the Poles Into the paths trodden by them in 1831 and 1863. ■ The Russian authorities recognize the gravity of the movement in which two antagonistic parties, the national ists and the socialists, under the lead ership of such Poles as Henrik Sienk iewicz, the novelist, has joined forces, and they declare that none of the benefits of the emancipation manifesto can be conferred on "a country in re volt." An Ultimatum to Poles. An official communication issued thh. morning recalls the fact that the impe rial ukase of December 23 last estab lished bases for the gradual renovation of the civil life of Russian subjects and points out that the measures adopted in pursuance of that ukase affected equally the Polish people. The ukase says: "In accordance with the ukase, the exceptional laws hindering the free de velopment of the nation were abrogated and the Poles were given the same rights as the Russians. Educational, municipal, and judicial reforms were introduced, as stipulated by the decis ions arrived at by the committee of ministers on June IS, and by the ukase of April regarding religious liberty. The general measures adopted by the gov ernment were extended to Poland, which also was given the right of par ticipation in the douma and freedom of meeting. "Finally on October 30 the Poles were fully recognized as free citizens, there by obtaining full opoprtunity to prove their capacity. By participating In a great creative work they would conse quently have gradually attained the ul terior progress of the Polish nation with the aid of the electoral institu tions, which naturally would have sym pathized with their fate. “Forgetting the painful lessons of the past, the politicians who are directing the national movement in the kingdom of Poland are making attempts as dan gerous for the Polish population as they are insolent toward Russia to bring about the separation from the empire. Government's Ultimatum. "The government will not tolerate at tacks on the integrity of the empire, in surrectionary plots or acts of violence. It declares in a decisive manner that as long as the troubles in the Vistula dis tricts continue, and as long as that part of the population adhering to political agitators continues its present sway, these districts shall receive none of the benefits resulting from the manifestos of August 18 and October 30, 1903. "There could obviously be no ques tion of realizing pacific principles in a country In revolt. Therefore, for the restoration of order, all the districts of 'the Vistula are temporarily declared to be in a state of war. BANKER GETS EIGHT YEARS. ’ St. Paul, Nov. 13.—Thomas II. < lemerl. 'president ff the First Na oral harik cf Faribault, 'linn.. eon»i ’.e-l ■' e.nbezHan ■funds of the batik, eani-iav ..s failure, v,. ■ 'today sentenced to eR.ht r.i n . Uo ACTOR NATHAN FREED. Grand Jury Indicts Others for the Suit Case Murder, but Ignore Nathan. Boston, Mass., Nov. 14.—The grand: Jury today reported an Indictment against Dr. Percy D. McLeod, the charge being accessory after the fact to tlie abortion which resulted In the death of Susanna A. Geary, a Cam bridge chorus girl. Indictments were also returned In the iGeary case against Louis W. Crawford and William E. Howard, alias Hunt, now under arrest In New York. The grand Jury failed tc Indict Mor ris Nathan, the suitor of the Geary girl, a fellow actor who confessed illicit re lations with her. The police this afternoon began a systematic raid on all illegal medical establishments in the city. AUTO FOILSLYNCHERS — Sheriff Dashes Through Mob in Fasv Car and Rescues Negro, Who Had Rope About Neck. Atlanta, Ga., Nov. 14.—By a spectac ular automobile dasli Into the midst of a crowd of men who already had fas tened the rope around the neck of John Walker, the negro charged with as saulting Mrs. Moore, and were on the verge of pulling him up, Sheriff Nelms of Fulton county frustrated the plans for a lynching near this city. Thej sheriff's automobile crashed through) the mob of lynchers, knocking the men right and left and running over several, and reached the scaffold in the nick of time for the sheriff to cut the rope sus pending the negro. The negro assaulted Mrs. Moore, a! prominent Atlanta woman, some days) ago and was caught at Fairburn, Go.,] and brought to the outskirts of At lanta, where he was identified by Mrs.] Moore. The Atlanta police refused tO| go to Brookwood, where the negro wasj held, as the place is outside the city.! The sheriff then set out with a possej in his fast motor car. NEW YORK SHY OF CASH National Banks There Are Far Below the Legal Reserve and Can Loan No More. I New York. Nov. 14.—New York clear-, [ing house hanks hold $2,428.800 less cash, (than the legal requirement of 25 per Tent, of deposits. Tills is exclusive of [government deposits, on which the gov ernment has decided it is not necessary ito hold a reserve. Counting In govern Iment deposits, cash holdings are J293, '550 less than the legal reserve. Washington, Nov. 11.—Comptroller of Currency Rldgely, being sifown the (New York bank statement today, said the statement is one made to the 'clearing house and is entirely unoffi cial. He has no knowledge of it except that which comes through newspapers. IThe fact that the reserve of national ■banks is below the legal requiremeut is ,nothing very unusual, he said. A bank 'Is not required to suspend payment for 'the purpose of maintaining a legal re serve. The law provides the bank shall (not make any further loans until tho reserve Is made good. ANTI-SUICIDE SCHEME. Cleveland’s Mayor Takes an Origina Method to Check Epidemic of Self-Slaughter. Gleveland, O.. Nov. 14.—Mayor Tom Johnson, alarmed at tho official report that theiv have been eighty-six sui cides i:i Cleveland in the last nine ..v.onths, has taken steps to check the carnival of s If-destruetion. lie has appointed a commission, w’..cs duty it will be to attempt to dis suade v suicides from taking their own lives. The commission is made up of Direc tor of Gharities Cooley, \V. A. Green .lund, a member of the charity bureau, and State Senator-elect F. C. Howe. Every man or woman in Gleveland, who is contemplating suicide, is in vited to write a letter to the anti-sui cide commission and till their troubled. The members of the commission will thin make an effort to remove the ,i; i sable. For people despondent from non mployment. the commission endeavors to obtain employment, while- the needs .and wants of others seeking aid are 'looked after. All three men are ex perienced in such work, and their ■labors so far have proved satisfac tory. KING WAS REALLY WED Papers Opened Telling of Marriage of George IV. to Mrs. Fitz-Herbert After Seventy Years. London. Nov. 14.—By permission of living Edward VII.. the Daily t'nronicle asserts, a package of papers consigned ito the care of the Coutts bank by Mrs. .Fitz-Herbert under the stipulation that it was not to be opened for a long iperlod. has now. after seventy years, 'been opened and proved to contain the j 'marriage certificate and other indisput able proofs that George IV. was actu ally flank'd to Mrs. Fitz-Herbert. Mrs. Fitz-Herbert became the wife of the prince of Wales, afterward i George IV.. In December 1185. The j marriage of the prince was invalid un ' . |er English law. though it was sanc I tioned by the Roman Catholic church. ■of which Mrs. Fitz-Herbert was a ' member. It was expected the papers [in the Coutts bank would ^settle a ques • Ion which has agitated the British ■public for over a century as to wheth er there was issue from the marriage, [but there is nothing in the foregoing dispatch to indicate that the question !nas been solved. It had long been re ported that there was a male child, jnnd that this child emigrated to the ■United States and settled in Washing ■ 'lion, when ho died some years after I living very quietly, but in good circum stances. _ _ SHOT DEAD FROM AMBUSH. Marinette, Wis., Nov. 11—Frank Lucas of Menominee was murdered while driving dong the state road north of here, a rifle I tmllet entering his heart. A coroner's jury | [''ound Lucas died by a shot fired by un i [known persons. It was at first believed ; lie shot was accidental, but an investi gation showed there was a clearing on ' ich side of the road, giving a view for pome distance, and the shot was fired from clump of bushes near the road. IS DIVORCED FROM COUNT. Detroit. Mich., Nov. 11.—Countess Louisa May de Sz'.tassy was granted a divorce there from Count Gyula de Szilassy of Aus tria on the grounds of desertion and non support. The countess was Miss Heeker, daughter of Colonel Frank J. Heeker of ■this city, former member of the isthmian Canal commission. The couple were married December 22, 1898, when the groom was secretary of the Austrian iegatlon at Washington. Not many month3 afterward stories of her un happiness began to come to the friends of the countess here and later her father went to Austria, where it was said he had a stormy interview with the count. Ifrenzied insurance 2 How the Metropolitan Company, j Insuring the Poor, Receives Rates J Twice as Large as Those Paid Iby the Rich to Other Companies— Nearly Half of Policies Lapse and Many of the Insured are Mere Babies. From the New York American. Among the Insurance mysteries being Ideveloped by the legislative investigate fug committee, is the disappearance of] ;a billion dollars of insurance from thej [books of the Metropolitan company. John Tt. Hegeman, president of thej (Metropolitan, was on the stand during) ithe greater part of Saturday afternoon^ [and was subjected to a constant fire of] (questions as to the business of his com-j [puny by Charles E. Hughes, counsel of| [the committee. Mr. Hegeman admitted] (that he had but a slight knowledge of] (the matters on which he was being) questioned as he left all such details to) his actuary. • The statistics called forth by Mr. [Hughes showed that the insurance [written by the Metropolitan company 'during 1901-1904 amounted to $1,600,000, 000. which, added to the $923,877,917 lit force in 1900, aggregated $2,523,877,917. In 1904 the official figures of the cora-i pany showed only $1,470,000,000 Insur-j ance. "So," said Mr. Hughes, "about $l,000,-i 000.000 of Insurance has gone off your) hooks In some way." Much Insurance Lapses. "Yes," said Mr. Hegeman, “but. a great deal of it has come back." That which has come back undoubt edly has been set off by other insur ance going off," said Mr. Hughes. “A great deal must have come to maturity, but a good deal must have lapsed." Investigation along this line showed that industrial insurance In the Metro politan, paid for in pennies in weekly instalments, costs twice as much as in surance in the ordinary life insurance companies where payments are made quarterly. It was shown that a man of 22 years can take out an ordinary life Insurance policy for $1,000 for $16.55 a year, while a policy for $984 In the Metropolitan costs $31.20 a year, or 60 cents a week. It also was admitted that children of lender years are taken as insurance risks by the Metropolitan without med ical examination, being merely sub jected to an examination by a physi cian. who receives only 25 or 50 cents for each risk inspected or examined. Pennies of the Poor. The great profits of the Metropolitan were merely indicated yesterday, but sufficient was developed to show that this company, existing on the pennies of the poor, Is by far the richest insur ance mine yet brought to light by the insurance 1 investigation. With its $2,000,000 capital and $500,000 paid up, the majority of the stock owned by President Hegeman, the Metropolitan had added millions to Its income yearly, and has paid out an infinitely small! sum in comparison. j ■ The returns made by the actuary of, the Metropolitan Life for his own use, showed that of policies written In one, week in 1903 T5.40 per cent, lapsed in three months; 43.Ui per cent. In six] months; 48.28 per cent. In nine months,; and 51.46 per cent. In twelve months, i At the end of a year less than half the policies written In that week were In force. More than 50 per cent, of those Insured had made presents to the Metropolitan of the pennies, dimes and quarters they had paid In. ’ Insurers Give Up Policies. t Of all the policies Issued in 1901 32.16| per cent, lapsed In the first year and 19.83 per rent, in the second year. Of, ■ hose issued In 1902 33.90 per cent, ■apsed In the first year and 19.33 per, cent, in the second year. Of the pol icies issued in 1903 33.95 per cent, lapsed1 in the first year and 19.82 per cent, in the second year. Of those Issued in 1904 35.35 per cent, lapsed in the first year. j These statements and figures are add ed to the record by Mr. Hughes with out comment. In its way this was as sensational a development as anything that has been brought out with regard to the other companies, with the differ ence that while the companies of the "big three” combination wrote large policies on yearly premiums, paid quar terly, and made their profits out of deals engineered with the great mass of money coming into their hands, the. Metropolitan received a constant sup ply of millions of dollars, paid in pen nies weekly, 50 per cent, of which entail, no obligation, as they lapse at the end ■of the second year. IT ACKNOWLEDGES MUCH Asphalt Company Makes Confession, but Seeks to Shift Blame Upon Castro. New York, Nov. 15.—Allegations that, high officials in the Venezuelan gov ernment deliberately attempted to ex port from the company the sum of •$400,000 are made in a statement given! out by the New York and Bermudez Asphalt company in reference to the' suit brought by the Venezuelan gov-, ernment for $11,000,000 against it for aiding the Matos rebellion. The means used by the officials, ac cording to the allegations, included, blackmail, confiscation of the com pany’s property, the manufacture of false testimony and the making of de crees without regard to law. The alle-! gations made In the statement are, based upon letters which, it is de-j dared, were received from A. P. ear ner, now receiver, holding the com pany’s property for the Venezuelan, government1, but who in 1900 was the; company's agent at Caracas and the, representative of Colonel Victor M, Backus, who was sent to Venezuela ini 1900 as an independent agent by the, asphalt company. The statement concludes with an ex haustive review of what it describes as "the asphalt company’s actual relations to the revolution.” In this connection it is explained that $100,000 was given to General Matos by the officials of the National Asphalt company on the general’s request. Fur ther sums aggregating $30,000 were! paid the revolutionary leader soon aft-’ erward. The money was paid, the, statement says, to guarantee protection to the company’s property at a time when the territory in which the com pany's property is located was in con- , trol of the revolutionists. The statement maintains that the company at all times observed absolute neutrality, even going to the expense bf paying customs duties to both the government and the revolutionists .when the custom houses were con trolled by the insurgents. The statement does not deny any of ; he c harges that it aided the rebellion, ’rut counters with the claim that Cas tro is s. eking revenge because it re fused to pay him $120,000 which was, demanded in a veiled manner by hiai brother-in-law.