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[[stamped]] CHARLES L. FREER [[/stamped]]

#33 Ferry Avenue,
Detroit, Michigan,
February 7, 1905.

Dear Colonel Hecker;--

I am sending you a few lines this morning to let you know that all goes well here and to wish that like conditions surround yourself and Henry.

In a business way there is little to report, but you will be glad to know that the committee of the Board of Directors who served in the Bank examination this year find that during the last year many of your suggestions have been carried out in the detailed accounting and recording of the banks business.  Messrs. Scherer, Ledyard and Campbell all spoke with interest of the suggestions you made last year and the care with which they have been followed by the bank officers.

I have served on the committee and have put in the better part of three busy days.  I looked particularly after the mortgages, domestic bills and certificates of deposit.  All of the mortgages came under my care and together with Ledyard and Will Barbour, they were looked into very fully.  We found very little back interest unpaid and aside from the McLaughlin loans, everything in excellent order.  Of course there are complications connected with the Hall Brick Yard accounts, but Mr. Russel feels

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