Soliciting a Loan from a Friend.

2790 N. Broad St., Philadelphia, Sept. 9, 1903. My Dear Sir :

A disappointment in the receipt of some money due has exposed me to a temporary embarrassment. The sum which would extricate me from this painful difficulty is not large, as $400 would be amply sufficient to release me from my present pressure. I have so great an aversion to borrowing money from professional lenders, that 1 prefer the course of soliciting the aid of some well-known friend. I have thought of several, but of none with a greater degree of confidence than yourself. Can you grant me, then, the accommodation of the above sum, without in any way intrenching on your own convenience ? If you can, I believe I may rely en your readiness to do to; and you may in turn depend being reimbursed with the strictest punctuality by the 5th of April. A speedy reply to this request will extre?nely oblige, My dear sir,

Yours most sincerely,

Joseph Howard. To Mr. Frank Thomson.

In Answer Declining, on Account of Incapability.

1785 Mulberry Street, Philadelphia, Sept. 10,1903.

My Dear Sir :

I truly regret that my circumstances will not permit me to oblige a friend so dear to me as yourself; but at present I am in great need of money, and last Friday I was compelled to borrow, to meet a pressing obligation; I therefore do not have it within my power to comply with your request.

Trusting that you may be more successful in some other quarter, and with feelings of regret at my own inability to render you a service which you might otherwise readily command,

Believe me to remain, Ever your sincere friend,

Charles Hall. To Mr. Joseph Howard,

No.

Lexington Ave., N. Y.