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In the fidelity bond the company agrees to reimburse the employer for any pecuniary loss, not exceeding a certain specified sum, which may be sustained by reason of the dishonesty of the employee, amounting to embezzlement or larceny. The bond usually provides that the embezzlement must have been committed during the term of the bond, or any renewal thereof; and that it must be discovered during the term "or within three months thereafter, or within three months from the death, or dismissal, or retirement of the employee from service, within the period of this bond, whichever of these events shall happen first." The employer agrees to give immediate notice to the company of the discovery of any dishonesty on the part of the bonded employee, and to furnish full particulars within a given time. He also agrees to furnish the company with every aid and assistance possible, not pecuniary, which will help in bringing the wrongdoer to justice. In case more than one bond covers the individual in question, the company will pay the loss only in the proportion that its bond bears to the total sum of all the bonds, whether these are available or not.

Special mention is usually made in the bond of certain types of losses for which the company assumes no liability. Among these are losses resulting from mere error of judgment, or injudicious exercise of discretion on the part- of the bonded employee, or from any act done or left undone by the employee in pursuance of instruction from the employer. Nor is the company liable for any loss by robbery unless the employee directly participated or connived in the same, or for any balance that the employee may owe the employer if the same has accrued prior to the date of the policy, and which may be discovered during its term. If the duties and responsibilities of the bonded employee are in any way increased and enlarged during the continuance of the bond, without the company's consent, liability for loss at once ceases, "it being the true meaning of the bond that the

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The Company desires to have answers to the following questions, and the answers will be taken as the basis of the bond if issued.

Very respectfully yours,

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It is agreed that the above answers are to be taken as conditions precedent and as the basis of the said bond applied for, or any renewal or continuation of the same, or any other bond substituted in place thereof, except as specifically changed, that maybe issued by THE UNITED STATES .FIDELITY AND GUARANTY COMPANY ta the undersigned, upon, the person above named

Dated at this day of WO

Signature of Employer

If ■ fiin. f!id firm nana br — ■en>t*ri thnwol8 II i corpot- Hy ■Hoe. ■»» corponM M si

Offi^d Capacity.

This form mutt bt returned to the Home Office, Baltimore, Md8, iefvrt bund will it turned.

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FIG. 15.-Sample Form of Fidelity Application.

Awo..... Please arewer furry at 1. questione asked betow. confidence rnuet the reposed in the cornbany. If confidence is expected

in return. All information is used solely by the cornpany in judging treriek, and will be treated as strictly confidential.

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State your full name - -Age

Birthplace—----------—Single, Married or widower———
City, state and country.
If a foreigner, give term and location of residence in this country

Present residence—— - - - -
Street address, city and state

Give details and values of all personal or real property you possess..... - -

Give details and amounts of any debts or liabilities you may have, and encumbrances on property.— ...—

Give number and relationship of persons you entirely support......

If you are surety or endorser, state amount and particulars...—- - -

If ever bankrupt or insolvent state when with details of settlement made—.......... - -----

If ever discharged from any situation or deprived of a commission or other eigagement, state particulars with dates - - ------If ever in business for yourself, give periods with particulars, also when and why discontinued ---------

If you are now, or ever have been bonded, give particulars——

If you have ever been declined a bond give particulars-------.

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Name nearestliving relative. Foucano. - occupatica. street cars, as and state,

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is now or previously in same service give position and term------------------------------.

State salary or compensation received in this employment and how paid.--—

Give amount and particulars of any other income you have - - Amount of bond herein applied for $...--...-- Premium $– Who pays preuium?----.......— ... Belt or employer.

Give date bond is to go in force — If you furnish other surety or security of any kind to the above

employer in addition thereto give its amount and nature-----------------------—-

If responsible for bad credit losses in above employment, or share in profits or losses of employer's business

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I hereby declare that the above replies and statements are i rue and correct; and I hereby agree for myself heirs and adminatrators, in consideration oII THE UNITED STATES FIDELITY AND GUARANTY

my 1

COMPANY becoming surety U t . 88

say farther or other Bond or Security hereby issued by the saidCompaoyon my behalf, in my present or any other

the Bond of Security hereby applied for, or any renewal thereof, or

position in this service, to protect and indemnify the said Company against any loss, damage or expense that It may sustain or become liable for in consequence of such guarantee on my behalf by said Company, and forthwith after the said Company shall have paid the party or parties entitled to the same, any money under or by reason of such guarantee, to repay the said Company the amount so paid, and all other losses, costs, damages and expenses, if any, that it shalt have incurred or become liable for in consequence of such guarantee. And I do further agree that the vouchere, or other evidence of payment of such loss paid by said Company to the employer under such obligation, together with vouchers or other evidence of payment of all costs and expenses whatever, incurred by said THE UNITED STATES FIDELITY AND GUARANTY COMPANY in adjusting said loss, shall be taken as conclusive evidence against me and my estate of the fact and extent of my liability under said obligations to the aaas THE UNITED STATES FIDELITY AND GUARANTY COMPANY.

Dated and signed a>-*—■

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