Their Relation to Higher Educational Finance 
139 
Original Size, 3 l A x S K 
Form 8. 
NOTICE 
Conforming to a business practice that has become almost 
general, on January 1, 1925, we discontinued sending receipts 
for installment payments on Loan Agreements unless especially 
requested to do so. 
We recommend that remittances be made by check, Post 
Office or Express Money Order. 
HARMON FOUNDATION 
INCORPORATED 
11-2-25—lOOO—P6 6 73 
Original Size, 6 x 2^4 Form 7. 
For Certificate of Honorary Membership See Page 140 
Bankers’ Endorsement 
OF THIS 
Certificate 
** 
In my opinion the ownership of a Certifi 
cate of Honorary Membership in the Harmon 
Foundation would constitute substantial evidence 
of good character in establishing the moral Stand 
ing of an applicant for banking accommodations, 
if other qualifications were equally satisfactory. 
Lewis L. Clarke 
President, American Exchange 
National Bank, New York 
Harry A. Kahler 
President, American Trust 
Company, New York 
In my estimation the ownership of a Certifi 
cate of Honorary Membership in the Harmon 
Foundation constitutes substantial evidence of 
good character, in that such a person having 
worked his way through College has developed 
the capacity to perform work. Having by his 
own efforts liquidated loans made to him, he has 
demonstrated thrift and integrity. Work, in- 
tegrity and thrift are three essential traits that 
lead to success in life. 
Edward Townsbnd 
Former President and Chairman of 
the Board of the Importers and 
Traders National Bank, New York