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915 Union Trust Building,
Detroit, Michigan,
February 19th, 1909.

C. L. Ayres, Esq.,
President - Northern Assurance Company, 
Detroit, Michigan.

Dear Sir:- 
Replying to your note of the 17th, int.  I do not wish   to become a member of the Annuity  Club proposed.
Yours truly, 
Charles L Freer