of an individual.

It used to be thought that an executor could be qualified by
friendship or relationship, but unfortunately it has been
proved through the sad experience of many estates that good
intentions and integrity do not alone make a good executor.
Skill and experience also are needed.

This company maintains a trust department, under the
supervision of Mr. Thomas G. Shelling, our trust officer, who
has had many years of experience in the administration of
estates. Associated with him is a force of specialists who can
care for any situation, usual or unusual, that may arise. The
services of these men can be placed at your disposal. I can
offer to you not only their expert services but also the
continuity of a great institution.

Individuals die. Institutions do not die. If you will turn
over in your mind what may be the situation thirty years hence
of any individual whom you might presently think of as an
executor, I believe you will be impressed with the necessity
for the continuity of service that can be offered only by a
corporation. In many cases there are personal matters in the
estate which a testator may believe can best be handled only
by some of his friends. In such a case it is usual to join the
individual executors with a corporate executor.

It would be a privilege to be able to discuss these matters
with you.

Very truly yours,
(Handwritten) _Lucius Clark_,
President.

P.S. Wills are quite frequently lost or mislaid and sometimes
months elapse before they are discovered. It is needless to
point out the expense and inconvenience which may be entailed.
We are happy to keep wills free of charge.

_A letter offering tax services_

INTERVALE NATIONAL BANK
INTERVALE, N. Y.

June 1, 1923.

Mr. Michael Graham,
Intervale, N. Y.

Dear Sir:

This bank is prepared to advise you in the preparation of your
income and other tax returns. It is a service that is yours
for the asking, and we hope that you will avail yourself of
it.

The department is open during banking hours, but if these
hours are not convenient to you, special appointments can be
made.

Very truly y