ors or
from the company's demonstration farm at a reasonable price.

One of the company's special efforts consists in securing a market for
the settler's produce. With this end in view, co-operative creameries
are favored and promoted by the company.

It is the policy of the company to encourage the organization of local
state banks wherever it does any colonizing work, for the company
realizes that the short-time credit needs of the settlers must be taken
care of. It always encourages the local merchants and people in the
near-by towns to take some stock in the bank. Whatever stock is left
over, different members connected with the company usually take, upon an
understanding with the local people that as soon as any of them wish
some of this stock the company will sell it to them at 6 per cent
interest on its money.

A number of years ago the company organized a bank in one of its
colonies in order that the settlers might get proper credit. The company
found it necessary to do something, as heretofore the settlers had had
no opportunity to secure short-time credit. After the bank had been
organized for three years the people in the colony desired to take the
bank stock, and the men connected with the colonization company sold
all their stock with the exception of one or two hundred dollars each,
which the local people desired that they retain, so that out of $10,000
capital stock $1,000 is held by men interested in the company. In
another colony some of the local people spoke for some stock and were
offered the stock held by men interested in the colonization company at
exactly what they paid for it, plus 6 per cent interest on their money.
This has been true in the different sections where the company has
promoted the organization of a bank.

As the company's business methods are based upon the principle of the
settler's success, the company is keeping in very close touch with its
settlers. For each settler a "Progress Record" card is filed in the
company's local office. The following reproduction of the main features
of the card indicates the items that show the economic progress of the
settler. Although it is not possible to have all the items filled up to
date, a beginning is always made. As visits are made to the settlers'
farms by the company's representatives, or the settlers come to the
company office for advice or help, information is collected and added to
the cards. Eventually an invaluable record of sal