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  Certificate ­
  of  Honorary  Membership  in  the  Harmon
Foundation  would  constitute  substantial  evidence
of  good  character  in  establishing  the  moral  Standing ­
  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  Certificate ­
  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,  integrity
  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