Conclusion.

In concluding this statement, I desire [unclear: to] out that the course I took in 1892 and in [unclear: 18] telling shareholders the state of the dead [unclear: as] of the bank was one which I believe [unclear: no] chairman of a bank would have dared to [unclear: tah] that time. My speeches on these [unclear: occasion] reported in the newspapers and copies [unclear: of] posted to each shareholder. Leading [unclear: shareh] expressed their satisfaction. No [unclear: shareholder] exception. I have only to add that the [unclear: pe] immediately preceding the sale of the [unclear: bank] the most wearing and anxious of my [unclear: l] never knew at night but that next [unclear: morning] bring news which might necessitate the [unclear: clo] the bank, and only those at the head [unclear: of] knew how dangerously near this [unclear: contingency] At this time I devoted the greater part [unclear: of] time to the bank's affairs. No business [unclear: has] ing my lifetime cost me the same pains, [unclear: tra] worry, and prolonged anxiety, and if the [unclear: res] the sale falls so far below what I hoped, [unclear: and] the estimates of the bank staff led me to [unclear: ha] and other directors snare the loss in [unclear: the] proportion as other shareholders.