^{page 360 note *} This will give a corresponding addition to the policies of from 43 to 100 per cent., or a diminution of the future premiums of from 1 86-100 to 5 72-100 per cent. of the premiums, as above.

^{page 362 note *} On 7-year and other short policies, taken out since March 1st, 1851, the dividend will be estimated at only one half the rate declared on policies for the whole of life, in accordance with an amendment to the charter of that date. The holder of said shortterm policy will not have the option above named, unless he should take out a new one for the whole of life.

^{page 362 note †} If the premium be payable semi-annually, the reduction will be allowed on the second half year's premium; if quarterly, on the third quarter's premium.