Officers were elected as follows: President, F. J. T. Stewart, New York; vice-president, H. O. Lacount, Boston; second vice-president, W. E. Mallalieu, New York; secretary and treasurer, Franklin H. Wentworth, Boston, Mass. The following were elected members of the executive committee (for three years), D. K. Boyd, Philadelphia; J. H. Brumbaugh, Chicago; John H. Kenney, Baltimore; John B. Laidlaw, Toronto; Willis O. Robb, New York; (for two years) Edmund L. Sanders, Worcester; (1919), W. F. Ballinger, Philadelphia; E. V. French, Boston; F. J. T. Stewart, New York; Sidney J. Williams, Madison, Wis.; Ira H. Woolson, New York; (1920), C. Hellar, San Francisco; R. H. Newbern, Philadelphia; S. W. Stratton, Washington; C. L. Scofield, Montreal; Clem E. Wheeler, Milwaukee. (1921) Gorham Dana, Boston; H. W. Forster, Philadelphia; Rudolph P. Miller, New York; H. L. Phillips, Hartford; A. R. Small, Chicago; Rudolph P. Miller, New York is chairman of the committee.

Active members of the Association, May 1, 1919, were as follows:

American Institute of Architects.

American Institute of Consulting Engineers.

American Institute of Electrical Engineers.
American Institute of Mining Engineers.

American Ceramic Association.

American Paper and Pulp Association.

American Gas Institute.

American Electric Railway Association.

Arkansas Actuarial Bureau.

Associated Factory Mutual Fire Insurance Co.'s Inspection Bureau.
Associated Manufacturers of Electrical Supplies.

Associated Metal Lath Manufacturers.

Association of Edison Illuminating Companies.

Association of Fire Underwriters of Baltimore City.

Association of Marine Underwriters.

Board of Fire Underwriters of Allegheny County.

Board of Fire Underwriters of the Pacific.

Board of Fire Underwriters of the Territory of Hawaii.

Boston Board of Fire Underwriters.

Buffalo Association of Fire Underwriters.

Bureau of Explosives.

Canadian Fire Underwriters' Association.

Canadian Manufacturers' Association.

Chicago Board of Underwriters of Chicago.

Cincinnati Branch, Ohio Inspection Bureau.

Cleveland Branch, Ohio Inspection Bureau.

Clay Products Association.

Committee of Manufacturers on Standardization of Fittings and Valves.
Compressed Gas Manufacturers Association.

Cotton Insurance Association.

Electrical Supply Jobbers' Association.

Factory Insurance Association.

Factory Mutual Laboratories.

Fire Underwriters Electrical Bureau.

Fire Prevention Bureau of the Pacific.

Florida Fire Prevention Society.

Gas Products Association.

Gypsum Industries Association.

Illinois Inspection Bureau.

Illinois State Fire Prevention Association.

Indiana State Fire Prevention Association.

Indiana Inspection Bureau.

Institute of Makers of Explosives.

Insurance Association of Providence.

International Acetylene Association.

International Association of Fire Engineers.

International Association of Municipal Electricians.

Iowa Insurance Service Bureau.

Iowa State Fire Prevention Association.
Kansas Inspection and Fire Prevention Office.
Kentucky Actuarial Bureau.

Kentucky State Fire Prevention Association.

Kentucky State Insurance Board.

Louisiana Fire Prevention Bureau.

Louisiana State Society for the Reduction of Fire Waste.

Mainland Fire Underwriters' Association of British Columbia. Massachusetts Mutual Farm Inspection Bureau.

Massachusetts Mutual Fire Insurance Union.

Michigan Inspection Bureau.

Michigan State Fire Prevention Association.

Millers' National Federation.

Mississippi Inspection and Advisory Rating Company.

Mississippi Society for the Prevention of Fires.

Missouri Inspection Bureau.

Mutual Fire Prevention Bureau.

National Association of Building Owners and Managers.

National Automatic Sprinkler Association.

National Lumber Manufacturers Association.

National Association of Credit Men.

National Association of Electrical Inspectors.

National Association of Insurance Agents, The

National Association of Manufacturers of United States.

National Assn. of Master Gravel and Slag Roofers of America.

National Board of Fire Underwriters.

National Convention of Insurance Commissioners.

National Commercial Gas Association.

National Electrical Contractors' Association.

National Electric Light Association.

National Association of the Motion Picture Industry.

National Association of Sheet Metal Contractors of United States.

National Implement and Vehicle Association.

National Paint, Oil and Varnish Association.

National Warm Air Heating and Ventilating Association.

National Wholesale Druggists' Association.

National Wholesale Grocers' Association.

Nebraska Inspection Bureau.

New Brunswick Board of Fire Underwriters.

New England Bureau of United Inspection.

New England Insurance Exchange.

New Hampshire Board of Fire Underwriters.
New Jersey Schedule Rating Office.

New York Board of Fire Underwriters.
New York Fire Insurance Exchange.
Newfoundland Board of Fire Underwriters.
North Carolina Fire Prevention Association.
Nova Scotia Board of Fire Underwriters.
Ohio Inspection Bureau.

Ohio State Fire Prevention Association.
Oklahoma Inspection Bureau.

Philadelphia Fire Underwriters' Association.

Philadelphia Suburban Underwriters' Association.

Portland Cement Association.

Rocky Mountain Fire Underwriters' Association.

Society Advocating Fire Elimination.

Society of Motion Picture Engineers.

South Dakota State Fire Prevention Association.
Southern Cypress Manufacturers' Association.

South-Eastern Underwriters' Association.

St. Louis Fire Prevention Bureau.

Suburban Fire Insurance Exchange.

Tennessee Fire Prevention Association.
Tennessee Inspection Bureau.

Texas Fire Prevention Association.

Texas State Fire Insurance Commission.

The Union.

Underwriters' Association of the District of Columbia.

Underwriters' Assn. of the Middle Department.

Underwriters' Association of New York State.

Underwriters' Bureau of Middle and Southern States.

Underwriters' Bureau of New England.

Underwriters' Laboratories, Inc.

Vancouver Island Fire Underwriters' Association.

Water Works Manufacturers Association.

Western Actuarial Bureau (Fire).

Western Canada Fire Underwriters' Association.

Western Canada Grain Association.

Western Factory Insurance Association.

Western Sprinklered Risk Association.

West Virginia Inspection Bureau.

Western Improved Risk Association.

Western Insurance Bureau.

Wisconsin Inspection Bureau.

Wisconsin State Fire Prevention Association.

NATIONAL INSURANCE CONVENTION. [See National Insurance Convention, life section, this volume.]

NATIONAL LIBERTY INSURANCE COMPANY OF AMERICA, New York. Organized 1859; capital, $1,000,000. George B. Edwards, president; Gustav Kehr, vice-president; L. F. Goulé, secretary; Louis Pfingstag, G. H. Kehr, assistant secretaries. 62 William Street.

NATIONAL LUMBER INSURANCE COMPANY, Buffalo, N. Y. [See New York National Insurance Company. Name changed in 1917.]

NATIONAL MUTUAL ASSURANCE COMPANY, Philadelphia, Pa. Organized 1901. F. A. Downes, president and treasurer; Samuel L. Hammer, vice-president; Herbert P. Onyx, secretary; Charles H. Thomas, assistant secretary. 925 Chestnut Street.

NATIONAL MUTUAL CHURCH INSURANCE COMPANY, Chicago, Ill. Organized 1899. N. M. Jones, president; I. N. Conard, vice-president; Henry P. Magill, secretary and manager; Sampson Rogers, treasurer; Frank L. Hart, assistant secretary.

NATIONAL MUTUAL INSURANCE COMPANY, THE, Celina, Ohio. Organized 1915. J. D. Johnson, president; Otto F. Rentzsch, vice-president; E. J. Brookhart, secretary; W. T. Palmer, treasurer. General fire, automobile, motor truck, and farm tractor insurance.

NATIONAL SECURITY FIRE INSURANCE COMPANY, Omaha, Neb. Organized 1915; cash capital, $250,000, authorized $500,000. W. A. George, president; E. E. Howell, vice-president; O. A. Danielson, secretary; F. J. Zeman, treasurer.

COMPANY,

NATIONAL TRADES' FIRE INSURANCE Chicago, Ill. Organized 1906; cash capital, $200,000. William H. Rehm, president; Edward Landsberg, vice-president; Peter S. Theurer, treasurer; E. Graham Rhoads, secretary; James W. Going, managing underwriter. 322 South Michigan Ave.

NATIONAL UNION FIRE INSURANCE COMPANY, Pittsburgh, Pa. Organized 1901; capital, $1,000,000. E. E. Cole, president; A. W. Mellon, vice-president; Wm. G. Armstrong, secretary; R. M. Nevins, assistant secretary; A. W. McEldowney, treasurer; C. A. Tyler, assistant treasurer.

NATIONAL UNION FIRE INSURANCE COMPANY, Washington, D. C. Organized, 1865; capital, $100,000. Albert F. Fox, president; Philip F. Larner, secretary.

NEBRASKA NATIONAL INSURANCE COMPANY, Lincoln, Neb. Organized 1899; capital, paid in, $20,000. E. D. Beach, president; John A. Wachter, vice-president; P. F. Zimmer, secretary and treasurer. The company originally organized as an assessment hail insurance company, and, in 1913 as the National Hail Insurance Company, qualified as a mutual company. The present title was adopted in 1917, and the company qualified to do a general business and to create a cash capital and guarantee fund not to exceed $500,000.

NETHERLANDS FIRE AND LIFE INSURANCE COMPANY. Established 1845, The Hague, Holland. Harold W. Letton, United States manager; Insurance Exchange, Chicago, Ill.

NEVADA FIRE INSURANCE COMPANY, Reno, Nev. Organized 1914; capital, $200,000. W. C. Pitt, president; W. H. Hood, R. Kirkman, and J. J. Hylton, vice-presidents; Robert Carlson, secretary and treasurer.

NEWARK FIRE INSURANCE COMPANY, THE, Newark, N. J. Chartered 1811; capital, $500,000. Edgar J. Haynes, president; C. F. Shallcross, vice-president; Thomas L. Farquhar, secretary; Thomas D. Richardson, treasurer. Control of the company was acquired by the Royal of Liverpool in 1917.

NEW BRUNSWICK FIRE INSURANCE COMPANY, of New Brunswick, N. J., was organized in 1826. The charter authorizes the company to transact fire, tornado, marine, and sprinkler leakage insurThe officers of the New Brunswick Fire are: Chas. D. Ross, president; D. L. Morrison, I. D. Clark, vice-presidents; E. B. Wycoff, secretary and treasurer; Chas. W. Pierce, assistant treasurer.

ance.

NEWBURYPORT MUTUAL FIRE INSURANCE COMPANY, Newburyport, Mass. Organized 1829. William R. Johnson, president; Edward Osgood, secretary and treasurer.

NEW ENGLAND AUTOMOBILE UNDERWRITERS' CONFERENCE. Organized 1916. The officers are: President, W. R. Hedge, Boston; vice-president, G. H. Tryon, National Fire; secretary and treasurer, C. S. Timberlake, Hartford Fire.

NEW ENGLAND BUREAU OF UNITED INSPECTION. The New England Bureau of United Inspection was organized at Boston in December, 1887, for the purpose of making frequent and complete surveys of important risks in New England, the reports to be furnished to subscribing companies. The bureau is in charge of a governing committee of nine, the list being elected annually.

At the annual election held in Boston in February, 1918, the fol lowing officers were elected to serve for the ensuing year: Charles Haas, chairman; H. Belden Sly, vice-chairman; Clifford H. Rice, treasurer; Edward A. Northey, clerk and manager. The governing committee elected comprises, Charles Haas, Clifford H. Rice, H. Belden Sly, W. H. Winkley, F. E. Dunham, Walter Adlard, F. A. Nutt, John J. Lovett, Geo. H. Allen.

The following are the subscribing companies:

Agricultural Insurance Co.
Alliance Insurance Co.

American Eagle Fire Insurance Co.
City of New York Insurance Co.
Continental Insurance Co.

Eagle & British Dominion Ins. Co.
Fidelity-Phenix Fire Insurance Co.
Fireman's Fund Insurance Co.
Firemen's Insurance Co.
Firemen's Underwriters.
General Fire Assurance Co.
Girard Fire and Marine Ins. Co.
Granite State Fire Insurance Co.
Hanover Fire Insurance Co.
Ins. Company of North America.
Ins. Company of State of Pennsylvania.
London Assurance Corporation.

Massachusetts F. & M. Insurance Co.
Mechanics Ins. Co.

Milwaukee Mechanics' Insurance Co.
National Liberty Insurance Co.
National Union Fire Insurance Co.
Nationale Fire Insurance Co. of Paris.
Niagara-Detroit Underwriters.
Niagara Fire Insurance Co.
North River Insurance Co.

Northwestern National Insurance Co.
Phenix Fire Insurance Co., of Paris
Philadelphia Underwriters.
Reliance Insurance Co.

Rhode Island Insurance Co.

Union Fire Insurance Co., of Paris.
Urbaine Fire Ins. Co.

Yorkshire Insurance Co., Ltd.

The inspectors of the Bureau are: Geo. H. Robinson, M. F. Jones, William H. Warner, J. M. Glen, F. H. Metcalf, J. M. Goodwin, W. D. Chandler, P. Spaulding, T. V. Dalton, W. W. Morse, C. W. Wright.

The inspectors of the Bureau made inspections during the year to the number of 4,455 and found 3,126 defects, divided as follows: Under construction, 245; in hazards, 160; administration and special features, 277; electrical equipment, 226; fire protection, 1,474; sprinkler systems, 744; which were corrected. Tests of fire apparatus and sprinkler systems to the number of 3,958 were also made during the

year.

NEW ENGLAND INSURANCE EXCHANGE was organized by special agents of fire insurance companies at Boston, January 6, 1883. Prior to this anything like order or cohesion in rates in New