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FRED E. RICHARDS, Pres. Union Mutual Life Ins. Co.

THERE'S a duty to the loved ones, that we can't afford to shirk; It's the leaving of a bank-account, when we have passed from work; And the chap who fails to do it, cannot plead "I didn't know," In these days of life-insurance, with the agents on the go. Their persistence is an axiom, for the boss is up behind And a-driving like the Dickens in his labor for mankind; So, when fluent Mister Agent nails you, sitting safe at home, Don't forget it's Richards, planning for protection of your own. He's a hurried man of business, and he pulls a lot of strings; The State of Maine's his debtor for a countless host of things. If it's banks or bonds or railroads or just philanthropic work, He's a hustling, active factor, one who'll never try to shirk; But mid banks and bonds and railroads, as I hasten to explain, His hobby's never stabled—the "Union Mutual of Maine."