Excerpt from A Treatise on Co-Operative Savings and Loan Associations: Including Building and Loan Associations Mutual Savings and Loan Associations Accumulating Fund Associations Co-Operative Banks, Etc No form of direct co-operation among men of limited means is attracting more attention at the present time than the class of associations which we have grouped under the name of Co-operative Savings and Loan Associations. Professor F. B. Sanborn, Secretary of the American Social Science Association, at its annual meeting at Saratoga in September, 1888, in a report - the most complete ever made in this country relating to them - said very truthfully that "at the rate the building associations are now gaining, the time may come when their accumulated savings at any one time may exceed those of our saving-banks, and it is doubtful if any system of savings has been devised which has such a tendency to produce frugality among persons of small incomes as the building-association methods." About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.