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                    <text>Q,uestions and Answers
on

Deposit Insurance

The
Federal Deposit Insurance
Corporation

Circular No. I

August 1934

�THE CORPORATION

FOREWORD
Since Federal deposit insurance became effective on January 1, 1934, a great many questions
have been asked concerning what the FEDERAL
DEPOSIT INSURANCE CORPORATION is and what it
does. In the following pages these questions have
been answered in the light of the law under which
the insurance is afforded.
It is hoped that this pamphlet will give de-

1. Q. Wlzat is tlze FEDERAL DEPOSIT INSURANCE
CORPORATION and lzow was it established?
A. It is a Corporation created for the purpose of
insuring bank deposits. It was established by an
act of Congress approved June 16, 1933.

2. Q. Wlzo controls tlze Corporation?
A. A board of directors of three members. Two
are appointed by the President by and with the advice and consent of the Senate. The other member
is the Comptroller of the Currency, who serves ex
officio. Not more than two directors can be from
the same political party.

posits of four banks which have been closed since

3. Q. Where are tlze offices of tlze Insurance Corporation?
A. The main office is in Washington, D.C., and
there are 15 district offices situated in various sections of the country. (A list of these district
offices, with the territories they serve, is to be
found on p. 10.)

the Corporation went into operation were being

THE INSURANCE

positors, in particular, and the general public as
well, a clearer idea of what deposit insurance is
doing for them. In actual results the plan has been
eminently satisfactory. For example, insured de-

paid on August I. It was estimated that 99 percent of their depositors would be paid in full.
The depositors of closed insured banks are assured of immediate payment. In the four suspensions cited above the Corporation has begun paying
depositors within ten days of the appointment of
a receiver.

4. Q. Wlzat is deposit insurance?
A. The protection of depositors against loss of •
their deposits in the event of bank failure. At the
present time the maximum amount insured for
each depositor is $5,000.
5. Q. When did the FEDERAL DEPOSIT INSURANCE
CORPORATION begin insuring deposits?
A. January r, 1934.
THE FUND
6. Q. What is the Temporary Federal Deposit Insurance Fund?
A. A fund created by payments from insured
banks.

Page2

Page3

�7. Q. How long will the temporary phase of d:sit
insurance continue?
A. By act of Congress it is to continue until] uly 1
1935, whenitwill be replaced by the permanent plan:

8. Q. Is the FEDERAL DEPOSIT INSURANCE CoRP0RATI0N a permanent organization?

A. Yes.
g. Q. What is the source ef the monrys ef the Insurance

Corporation?
A. They come from three sources: A subscription
from the Treasury of the United States of $150,000,000, a subscription from the Federal Reserve
banks of about $140,000,000, and payments by
insured banks.
10. Q. How large is the Fund and how are its monrys
invested?
A. At the present time it amounts to $320,000,000 and is being held in cash or invested in United
States Government securities. The Corporation
may also issue its bonds to the Reconstruction
Finance Corporation to the amount of another
$250,000,000, although this has not been done as
yet.
ELIGIBLE BANKS
II. Q. Do all banks have deposit insurance?
A. All banks which are members of the Federal
Reserve System (which includes all nati~nal banks
in the United States and some State banks) were
required by law to join the Temporary Federal
Deposit Insurance Fund. State banks not members of the Federal Reserve System were free to
apply for insurance or not as they chose. The
great majority of them are now insured.
12.

Q. How are insured banks to be distinguished?

A. After October r, x934, insured banks will
carry the insignia of the F.D.I.C. at their receiving
·windows. (A reproduction of it is to be found on
P· x_x.) Further, they have been supplied with a
certificate of membership which they will be glad
to show you.

Page4

'

I 3·

Q. How many banks are members ef the fund?

A. On August I, 1934, there were 14,054 of the
nation's banks in the fund. Of these, 963 were
State member banks of the Federal Reserve System, 5,438 were national banks, and 7,653 were
State nonmember banks.
14. Q. Can mutual savings banks become insured by
the Corporation?

A. Yes. The benefits of deposit insurance are
available to mutual savings banks.
I 5. Q. Can savings banks become members ef the
Temporary Federal Deposit Insurance Fund?

A: Yes; together with all banks doing a deposit
busmess they are free to apply for insurance.
16. Q. Among insured banks, why has interest on
demand deposits been prohibited and a maximum interest
rate set for time and savings deposits?
A. Under the Banking Act of 1933, banks. which
are members of the Federal Reserve System are
prohibited from paying any interest on demand
deposits and it is made the duty of the Federal Reserve Board to adopt regulations prescribing the
maximum rates of interest to be paid on time and
savings deposits. To carry out this policy and in
the interest of sound banking the Federal Reserve
Board set the maximum rate ofinterest at 3 percent
on time and savings deposits. The member banks
to which this regulations applied were required to
insure their deposits. Other banks were permitted
to insure their deposits upon voluntary application.
Congress declared that all banks should enjoy
equally the benefits of insurance. In order to
secure such equal enjoyment it was necessary for
the FEDERAL DEPOSIT INSURANCE CORPORATION
by regulation, to prevent the banks which were no;
members of the Federal Reserve System from paying any interest on demand deposits and from paying a higher rate of interest on time and savings
deposits than could be paid under the lawful regulations of the Federal Reserve Board. An important

Page5

�,

,

attribute of sound banking has thus been extended
to all insured banks.

DEPOSITS INSURED
22. Q. What is meant by tlze phrase "owner of a
claim arising out of a deposit liability" of a closed bank?
A. Any person holding evidence of a bank's
deposit obligation to him or evidence of some
debt arising from the bank's deposit obligations
is considered the owner of a claim against the
deposit liabilities of a closed bank.

CLOSED BANKS
17. Q. When a bank is closed through inability to pay
its depositors, does the Insurance Corporation make tlze
insured portion of deposits immediately available?
A. Yes. Just as soon as a receiver or liquidator
has been put in charge the Insurance Corporation
proceeds to make the insured deposits available to
the depositors.

23. Q. Are any deposits preferred under the scheme of
deposit insurance?
A. No. All share equally in the benefits of deposit
insurance.

18. Q. What is the method for making available to
the depositors the insured amount of their deposits?
A. A new national bank is immediately set up
by the F.D.I.C. to pay the insured deposits of the
closed bank.

24. Q. Do all types of deposits have the benefits of
insurance?
A. Yes. All types of personal and corporate
deposit obligations, deposits of public funds,
and deposits of other banks in insured banks
are included in the plan. Trust funds awaiting
investment are also included in this insurance.

19. Q. Does the new national bank set up by the
F.D.I.C. pay interest on the insured accounts of the
closed institution?
A. No. Interest is not paid on the insured accounts of closed institutions.
20. Q. What happens to a closed bank after the Corporation has taken over the insured deposit liability?
A. A closed bank is placed in liquidation. If it
be a national bank the Comptroller of the Currency
appoints the Corporation as receiver. If it be a
State bank the Corporation may or may not be
appointed receiver, depending upon whether the
State law authorizes such appointment and upon
the discretion of the appointing power. To facilitate liquidation the Corporation may purch~e the
assets of the closed bank if it be a member of the
Federal Reserve System.
2 I. Q. Does the Corporation pay the insured deposits
regardless of the reason for failure of a closed bank?
A. Yes. The purpose of deposit insurance is to
prevent loss to depositors and hence the reason for
failure does not influence the Corporation's liability.

Page6

l

25. Q. Must' a depositor have $5,000 in his account
before he can enjoy insurance benefits?
A. No. Five thousand dollars is the insured
limit for one depositor and all amounts up to and
including that are fully insured. Accounts larger
than that are insured up to $5,000. This does not
mean that a depositor with an account of $ 100
will be paid $5,000 in the event his bank closes,
but it does mean that he will get all of his $100.
26. Q, What proof of his claim is it necessary for a
depositor in a closed bank to present in order to bepaid his
insured deposit?
A. His pass book, certificates, or other evidence of the closed bank's deposit debt to him
and some means of personal identification are
sufficient proof of the depoiitor's claim.
27. Q. Ifa depositor has billsfalling due and his bank is
closed, can he check against the insuredportion ofhis account?
A. No. The closed bank will be in the hands of
the receiver. However, the new bank of the

Page 7

�&lt;?

Insurance Corporation will make immediately
available the insured amount due him so that he
will not be greatly inconvenienced.
28. Q. How does the Corporation pay the insured deposits?
A. As the claims of depositors are approved and
allowed, orders are issued which may be paid at
once or through the Federal Reserve bank of the
Reserve district where the closed bank is situated.
29. Q. May the depositor get the insured portion of
his account in cash?
A. Yes. The depositor may be paid in cash if
he so desires.

'

33. Q. Would it be possible to take four equal
negotiable certificates of deposit for an account of $20,000
and thus procure full insurance?
A. No. This would cause their holder to be
an owner in the same right and in the same
capacity and, hence, his insurance claim would
be limited to $5,000. If after taking them out
the original owner subsequently transferred them
to four separate persons in the usual course of
business, each of those holders would, however,
have an insured claim.

30. Q. If a bank customer has unused traveler's
checks in his possession at the time tlze issuing bank suspends, will they be accepted as claims against the insured
deposit liabiliry of the bank?
A. If the traveler's checks issued by the closed
bank are the outgrowth of the holder's deposits
they are acceptable to the limit of the insurance.

3 I . Q. If the books of a bank show that a husband
and wife each have an account in each of their names and,
in addition, have a jointly owned account, does each of
these accounts come under the benefits of the insurance
and are they considered separately in determining the
amount due under the insurance limit?
A. Yes; if the accounts are in fact owned as
shown on the bank records. In the case of the
jointly owned account, however, the right of
survivorship must have been provided.
32. Q. If an estate of $20,000 is being held in a
closed bank and there are four heirs to share equally in it,
is the account thus fully insured?
A. If the title of the account states the names
of the four heirs and specifies that they are to share
equally, the account is separately owned in four
equal undivided parts and the individual owners
are fully protected. If the title is not so held the
account is considered as a unit and the amount
payable by the Insurance Corporation is limited
to the maximum of$5,ooo.

Page 8

Page9

�~

FEDERAL DEPOSIT INSURANCE
CORPORATION
t:,.

DISTRICT OFFICES AND TERRITORIES SERVED

t:,.
t:,.

"v

t:,.
t:,.

t:,.

District No. 1.-Boston, Mass.: Massachusetts,
Maine, New Hampshire, Vermont, Rhode Island,
and Connecticut.
District No. 2.-New York Ciry: New York, New
Jersey, and Delaware.
District No. 3.-Columbus, Ohio: Ohio and Pennsylvania.
District No. 4.-Richmond, Va: District of Columbia, Maryland, North Carofuia, South Carolina,
Virginia, and West Virginia.

DEPOSITS INSURED
BY

The Federal Deposit Insurance Corporation
WASHINGTON, D. C.

$5000

MAXIMUM INSURANCE
FOR EACH DEPOSITOR

$5000

District No. 5.-Atlanta, Ga.: Georgia, Alabama,
Florida, Mississippi, and Louisiana.
District No. 6.-Louisville, Ky.: Kentucky, Tennessee, and Indiana.
District No. 7.-Springfield, Mo.: Missouri and
Arkansas.
District No. 8.-Chicago, Ill.: Illinois and Iowa.
District No. 9.-Madison, Wis.: Wisconsin and
Michigan.
District No. 10.-St. Paul, Minn.: Minnesota,
North Dakota, and South Dakota.

NoTE.-The above sign is being displayed
• at the receiving windows of all insured
banks. effective October 1, 1934. Mutual
savings banks operate under a separate
fund and have the privilege of electing
$2,500 or $5,000 as the maximum
insurance

District No. II.-Kansas Ciry, Mo.: Kansas,
Nebraska, and Oklahoma.
District No. 12.-Dallas, Tex.: Texas and New
Mexico.
District No. 13.-Salt Lake Ciry, Utah: Montana,
Utah, Nevada, Wyoming, Colorado, and Idaho
(southern counties).

V

V

V

""
V

District No. 14.-Seattle, Wash.: Washington,
Oregon, and Idaho (northern counties).
District No. 15.-San Francisco, Calif.: California
and Arizona.

Page 10

79627°-34

U, S. GOVERNMENT PRIHTIHG OP'FICE t 18!4

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                <text>The Union Pacific Coal Co.</text>
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                    <text>THINGS TO DO TODAY

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JUNE

MAY
Su MoTuWoTh Fr Sll

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10 II 12 13 14 15 16
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154th Day

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Patented

211 Days to Coma

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5 6 7 8 9 10 II

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Rocle Springs - June 10, 1942
~

II.

,.:

Ifir. Thomas Overy, Sr~
l!r. John B. Hughes
Mr. F. V. Hicks
~u-. Geo . A. Drawn
?:.r . b. G. Sha1·rer

I am. attacning a number o:t' copies of mimeogr aphed let~ers
stating r ccomr;;.enda.tions ~e ~Y the .aoors of the Sii:;ma Xau Epsilon
Sa.fet.,y Society.

;·iill y_ou pl ea:.;e see that a copy is handed to each mine
f oreman, ~1t foreman, unit fore::;an, ate.

DubJeots for tliscussion for staff Meetings might be
obtained ir~m sv~,t: of these letters.
Origim1l Signed:

_1. N. BAYLESS

�IlliCOi'.lLI-JD,.TIGES BY L:..:iTTL!1
FRO~: i.~ill:i OF Tffr; ;;IGl.i.,;, T~~u :..J&gt;$ILoi; ::,/ ,i :,TY .SL.CL'l'"{
'I'u TI-G ti.. Vi..;TY 1iIGL!E:CJ.

I-t is- easy to sec after an accident hov; it could huve becm
prevent1.::d.. I su;;e;est a tho1·ou,:)1 stucl;y of cll near-acciclents auci any
interruption of the opt.Jrations s:1ould be studied ce:.rufully to ;orevent
soJ.w oversi~!1t ,·,here men might get inj Ul'ed.
In reply to t :ie suu;cstion that thu ;:lembcrs of .::.ir;r.-,a 'f au Lpsilon
nritc a letter r.1.akinc so1.1e reco:1J;1end.:i.tio11 for safety, .( uould like to rccouraend that· all han~-operated ci.rillint; r,w.chines be equipped 11it!1 a sd'ety
clutch.
•.e have had quite a nur.1ber of injuries fror:1 C:.rillil.1:;; r1iacl1iw.Js am.i
v!ith the increa.sin::; nur1b{)r of ine;qJeriencecJ. men startinc., to worl, in the
mines, we \'/ill continue havin.:; il.1juries f ro1.1 this source unless it is
remetliecl.

I thil.1.k ne have a r;ood Safoty Pro£,;ra1. but it is not lived up to.
I thillk by closer supurvision anc el1.f orcint the rules ::1ore nc 11ould have
a better safety recorC.: il.1 all the r,tlnes.
I noulci like to SUGJ est fror.1 a safety standpoint t hat all pans on
uischart,:;e end of shaker conve;yors be i'rce fror.1 lu.;s, fans t ;w.t ;1~wu be en
broken, or lugs broken off, could be used insteau of cut tin:; oi':1.' ~;ooLi lJ2 l1S.
we do not practice this ·a1tog;etlwr in our r;dne but I think it ,:oulC: b e
so1.1e a&lt;ivantaie, ;w.so use a rail instead of tics or props i'or a deacl i.,ru1,
I think that all uen should be thorouchly instructul about the use
of brattice, for bratticc is usucl like doors and should be closed at all
tii.1es. The majority of men G.O not understand this, and leave thc1:1 open, re..;arclless of r1i1eru they uay be, in roor.i necks or travelil.1.:; r!ays.
To rily estiuation this is a very danaerous practice, especially il.1
old mines ~-rhere ii1en aru Y!orlcil.1c in entry stuups, two or three hundred feet
in fror.~ tl!c outside roou. lf there should be any gas-cs in the C:eac: ends,
ancl if t!w brattice is loft opr,.a1, it nill s!1ort cut the air and 1,1ay back out
the 6 .iscs onto tho rnen.
I don 1 t know oi' any accidc.mts that i1av&lt;::: happuned on this account
but if this practice is o.llov1ed to contil.1uc, an accident r:i.ay happen.
I noulcl like to r.:iake the folloi·,in 0 sui;;gestion in re card to safety
in our mines:
I think the job of tiGberiJ.1g should be Given a little more thoue;;llt.
·:i1ile we are usint:; a I.tore or· less systeHatic methoq. of t.iEbering in our r.tlnes,
I ti1.ink ,·, e should pay more attention t"o each particula1· place, and if one
s~•stcu does not suit, ci.cvise one that \"rill. I think a little more care al.on.:;
thos~ l.ines ~1oulcl probably llavu soue effect in rcducin.'.; our accidents due to
falls of top.
Safety should be thought of at all tir,ies -r:hether at 11ork, at hone,
or on the higlmays. iJy thinking of safety it alv1~ys rGr,t lncis us to be carei'ul and also the r1en that are w1clcr your jurisdiction. If everybody '.!oulcl
think more of safety, I believe ne would have a better safatJ· rucorc.i.

In ans~1er to your request for SU[;;f;estions for so.f ety, I ·.:ould
recon11aend the use of leather gloves when llanclling uaterial, c:. • o t:.at
1:laterial be piled noatly.

�- 2.,.

In reply to your letter of April 24, will s i,.~go~, . that after a
lost-time accident, the parties involved and witncs t: &lt;.::~ t o i.-, e accident,
including the Unit Foreman, give an account of' the ac-:;:i(i,_. J. to thu Safety
Engineer as s?on as possible, to get the true facts of t , ,; :::as e . ..lso that
the management finds out more facts on just how it happer, :' , and b o a littltr
more strict about the case. Accidents that have been happuning in the Hanna
Mines are due to a lot of carelessness, such as a nipper splicing a cable
without taking off the power, causing a severe burn of t he hand; also of a
motorman letting a knife slip and cutting another man on the leg, resulting
in a bad cut on leg which took eight stitches. These accidents should have.
been avoided and I think they should have been investigated. There are too
many accidents of that kind ancl should be stopped by the Unit i"oreman . and the
S~fety Engineer, with the help of the management. Maybe we do not talk enough
or raise enough 11 hell, 11 but I think it i s time to do something about it,

I am writing to you my ideas in regard to safety as it was suggested
at the last meeting of the Sigma Tau ~psilon.
First of all, the rooms should have plenty of timb er, they should
be of the right siz u and set up in the right plac es, Ther e should also be a
clearance throughout the mine at all timus.
Subject: Safety Suggestion for No, 4 Tipple, Rock Springs:
Our pros unt practice at No, 4 I.fine is for the tipplcman to bell thu
Engineer to stop on the knuckle, othurwis e he comes straight through.
I suggest that the engineer be instruct ud to stop on th(; knucklu
every trip, unless he gets e. bell to pull onto th e tipple . Thi.:r c is a. possibility that the bull may gut out of order o.nd th e engint:&lt;.:r mo.y not gut a.
. bell to stop,
If there should be a loaded trip standing on thi.: tippl u hu would
push it through the dump, with our pres~nt pr~ctic 0.
This would probably reduce the possibilit y of an r1cc i d&lt;..:nt by ::.
mechanical failure, or man f .- iilure,
In accordance with your suggestion at the la~·t ..., . 'L .:.:i. rnu0t:i.ng for
suggestions concerning safety or production, I would liko t o sugg8st that
all new men, that is all men starting to work for the Coal Compa.ny, should be
shown where the first aid equipment is kept on their section so that if they
ever need it, they will not have to wander all over the mine to find it.
Liy suggestion on safety is on cross bonds, grounds and wires for
lights on partings or haulage ways where the men travel back and forth to
their work, Since I have been in D. O. Clark Mine in 7 Seam, 2 North Parting,
when coming off shift I had two men trip on a ground wire and -it was just
good luck that they did not get hurt. I think the cross bonds should be
nailed down to the ties and the ground wires to the lights should be trenched
in the bottom or a flexible wire used.

In regard to my suggestions toward improving our safety record, I
have found nothing new of importance to suggest, only in a general way.
As I a.'il on a committee on handling and use of e}.."J)losives, the Book
of Standards and State Laws are adequate on this.
However, I would like to suggest that everyone be sure the pv:;0r
is off before taking powder to the face. Also that working places b e kept in
as good a condition as possible, by keeping them clean and well timbered to
improve efficienay and safety.
One suggestion I should like to uakc, as a s a f vt,:: :Ieasure, would be
to equip all drilling machines with clutches t hat n ill vie-~· J,; d-.;::.• :u1y conditions and at all times,

�I

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I

- 3 -

In Prevention of Injuries from Slipping and Falling of Persons I
personally think too much can not be said of the importance of seeing th~t
the heels of mine shoes are kept up, that is, when worn off at the back 1 sides
or worn down low, are replaced with new ones so that when stepping on a piece ~f
coal, roe}{ or other object and slipping, one has a better chance to prevent himself from turning an ankle or "falling, or other injury by being able t'o regain
balance sooner as stepping on anything with center of foot will very soon throw
one off guard or bal~nce, and an unworn heel or sole can be of great help.
Heads up- (if not too low coal) and alertness can be of great help in
safety.
In regard to some safety practice as requested by the Sigma Tau
Epsilon, I suggest the follow:iing:
I have noticed the unsafe practice of timbering in conveyor places
where Duckbills are used, Timbers are not always secure where they are subject
to being knocked out unnoticed with Duckbill while it is being moved.
More caution should be taken while swinging Duckbill.s.

I am writing in :regard to a safety suggestion. I have noticed as
mining machines are pulled to the face that the hook on the cutter bar sheave
does not get a full hold on cutter bar and it flies off. As a r ul e the faceman
and Duckbill man are loading with their backs to the machine and the cutter bar
sheave might hit one of them and cause an accident. I think t hat a hook on
the cutter bar sheave should get a full hold of the cutter bar.
I think that if we c·o uld instill into the workers the t hought af ob- serving their surroundings themselves and not depend on someone else to draw
their attention to what might happen, it would help a lot in lowering the
accident rate, One of the worst things that I notice 'is, 11 lJh Hell, that I s
good enough - let the other shift fix it up, tr in other words ,just fix it -·so we
can get by for this shift. Sooner or later this practice catches up with the
fellow that does it and an accident follows. Another thought which comes
to me is that when there is a change made in any working condition or practice
that same should be posted at the mine so the worker would know what to expect
from the Unit Foreman and a more uniform method of instructing worker would
result.

I believe that some of the accidents occurring at and near the working
face of our mines, caused by falls of roof, face and rib coal, may be prevented
by training and frequently reminding the men to sound the roof often, to keep
the working places sufficiently and properly timbered and to promptly take down
all overhanging face and rib coal,
· Since Unit Foremen make frequent visits to the working places in their
sections, they should carefully observe the condition of them, promptly have.any
unsafe condition corrected and explain to the men the importance of the working
pr.actices ment~oned herein.
I think that if all switches were kept clean that there would be less
trouble. Some rope riders or motormen throw a switch not paying any attention
whether there is dirt between the latches or not and then run the trip in,
Sometimes the latches are a little open and of course off the track they go,
then of course they are put on the track, sometimes spreading :it • . ,:.1ki!:g it
necessary to take track layers from another place, which is u : t , • ..•. for,
There are other things such as cars behind brattice, which I con &amp;,...,er dang.Jrous both to men and rope runners, also. where lll8n leave nails in boards or
2x41s, which. is a dangex-ous practice.

�I

Very often men, while moving the ratchet across the room face j~st
. walk up and knock out a prop to le~ them across the face. The prop halbeen
placed there for a purpose and should not be knocked out until another has been
placed as near as possible to the one to be knocked out. I would suggest a
campaign be made by all concerned to train our men as a whole to use this
method.

In reply to 1ir. I. N. Bayless' request, I am in favor of this corporation with anything pertaining to safety and feel it is our duty as Unit Foremen
to offer our suggestions, and I, myself, with nearly 50 years of experience in
coal rnining in Wyoming and Utah at all kinds of work in or around coal mines
and I sincerely believe that the main thll'.lg in coal mines is the careful laying
of tracks to see if they are well balanced, levelled and well filled in, good
clearance, well timbered where necessary, especially on haulage ways.
I am always willing to do my part for better and more up-to-date
practice.
I'll stick to the same as I suggested to you about a month ago
when you were on my section, that is the nips in the mining machine cables
should be installed within fifty feet of the mining machine in room and pillar
workings. The safety end of this is that as props are set it often intraps the
cable so that they have to be knocked out to release the cable. It also saves
time and parts. As it is, often the controller sticks, arcs and fires before
you can run to pull the switch and the: controller is burned to costly repair
where the cable could bu jerked vury hard to pull the nips apart to cut the
power off.
I notice that the loads at times arc wildcatted down the high line
from the outside landing yards immediately after a motor trip and the nipper
rides these loads until they catch the motor trip which is also in motion.
At times it bumps very hard and the nipper jumps from car to car, standing
up as the trip is going down to the tipple. He gets in between the bumpers
to couple on the main trip and it the trip pulls apart or gets off track he is
in a very bad spot. This is a bad practice. Suggest these men read Book of
Rules on haulage.
Does our failure to reduce the accidents occurring on the outside
serve as evidence that the men who do the work do not hear enough about safety
methods to make them Safety-Conscious?
•
Accidents due to carelessness are by far too common. Will frequent
advice to be more cautious and careful, especially at the beginning of a new
job, serve as a present n·ecessary incentive?
It is my opinion that the Company Rules together with the Book of
Standards cover nearly every phase of the Union Pacific Operation, however no
systematic study or follow through on these two books has ever been undertaken.
In this connection another suggestion has been advanced by Mr. Bayless
relative to a study or educational course for Unit Foremen. V~,y not have someone
in the General Office abstract these two books, sending mimeogr:.: . phed copies
each two or three weeks to each camp of a part of these two books for a general
talk and discussion that would cover about one hour and thus study and review
the contents of the Standards and Rules?

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                <text>Redecorating Post Office Building Reliance, Wyoming</text>
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                <text>Illustrated map of Reliance residential areas.</text>
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                <text>The Union Pacific Coal Co.</text>
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                    <text>{

,.
Mr. bi'ugono ,:oAulif fo:
Rot u~liti£ hcr.o...titU cor Qupooo.once attn-chod to your- lottor ot·
~rcl1 15t h, r · sudi.115 tbe cc:.uo of " ... Cn:i:wahaw. and nttu.ching lottor ~rom. 14- .

Ilutler ,ihioh io solf ...oxpl cmntor1•

./iln al-oo on?_l odll,G copy of uootor• o. r c;po:r-t

to the •Ra:ttleo~o creek Veter Compuy 1 ua ,1ell e.o coi,y of lettar £ 1·01.·t !.~ -.

Dell.
'
~-noifi c Coal Go! u ~~' but on idlo duye ho 1:1ork D (!.OC~Olli,l.ll.J foi- ~ e iiattl~
ator '; ) ... ... n.y , dct n-1; v~i:- j-oba} when they uro in naod of hol p.

sna~o Ci-eok

Ue

r::r ' ~)J them or) Uo.roh 2 th, 1925, tho dutc on which n:i.u 9y~ "iao. ~-n-

not·

:

•

ontitlod to r ooeive t~· =- -~·.:, :~t- ~·1.on rroz:i '.i'ho Uni&lt;&gt;n

i·

•

• orks

tomporad,l7 for_thoo, °".

·.:ount io d du t ed trOl'l the pv.y :roll fot' tho

ho111&gt;i ,,Ll c:.-- _. ~.--··· .. \ of tho rnilrot;1d , and '15¢ ttno de~u--:ted from ~;. • Crnliehi:n• o
pay tor. tho mout l1 of . :_:c:., oo he 'ffiiD ontit~t'&gt; d_· to b.-00 treo.t iiw.mt from l&gt;~.

~trndor , uo !l ( . io tho co ,pony oculiilt.

.

It ia thorofore nppar nt 1 under th&amp; cir ~µ t Bnooc , thct Dr.
t r-a.cer hoe no cluim fo1· any foe, c.s ho ia pilid by tho Union .):J.aifio 1--.uil-

•

rot-

Co;;!ptiny tor. fhiB kind of ~ork, t,~.J ::: ~ . l ):: n:.;..1.~ , ao~ns f1•0m o.ontri-

butionc tllde by · : _.,.~y ·., to tho

o~pitol fund .

a e ga.rdin 0 t.he ..,10. 00 or:i&amp;J,.nally ,_. :•. 1. to

r . ~t.ro.der for oer•

vicca, it c .., . '.J tht,t the "i~r:-» Union : i •i ·, prl.,· ·,,. ttmd from \:h:leh it onutos
to the --

,·, ,:,n· -.

in CU086 einilm· to Crawnhuw'o j.njt.rry, tlmt io , . thooo injur;l.oc

'lfhich d.0 n~ ;{ .;; um.or tho comr,QJlSlltion
fuml , and it ,
,,,.

Strader, becaru;o • r . Or trohu

ia entitle . to

. - - ,Lt

t

i'x-oi;i t~iD thut the

, f~ ,

au l a:tatod .
nri&lt;!im,.1 Rigned:

GEORGE B, PRYDE

�TllE RATTLESHAKE CREE!C WATER CO!JPANI

Fil&amp;

C- 1

Rock Springs, Wyoming, Uarch 18 1 1926.

11!'. George B Pryde:

Refo!Ting to case ot Sam Cra'.Vahaw an employ e or the
union Facifio Coal Com. 8J9'

orkir;g tor tha .nattl onlW) Ct'o k Water . Company-

on Idl• ~ • of the Union Pa.cific Coal ComP911J.

i hile :.a. Crawshaw was in the- came the Ratt1eenak•
cnek

ater Col!!pm,y he paid int.o 'the union Pacific Railroad Cot::.pany

HoepitAJ. Depark::tnt fund, aD4 i• aa I.'luab. u Dr. ~mder is the union

Pa.cific Railroad CompaDJ Oculist the senica rendel'Od Ur. Crmrsha1r
should .coa• under tJilla :rum.
At.t.ached fin4 eopy of · • • • Bu'olci i"inoh's report
ref•mng the cue

w. Dr. Strader-.
TOurs i,naly,

• I

�'i'HE RATTLESNAKE CREEK \"/ATER COllP ANY

File C-1
Rock Springs , Wyo ., Mar. 18, 1926.

l!ir . George B. Pryde:
Referring to case of ,Sam Crawshaw an employee of- The
Union Pacific Coal Company working for The Rattlesnake Creek \'later
Company on idle days of the Union Pacific Coal Company.
\!hile Ur. Crawsho.v1 was in the service the Rattlesnake
Greek Water Company he paid into the Union Pa cific Railroad Company
Hospital Department fund, und ina smuch as Dr. St r ade r is the Union
Pacific R~ilroad Coopany Oculi~t the service rendered llr . Crawshaw
should come under this fund.
Attached find copy of surgeon Ha rold Finch's report referring the case to Dr. Strader.
Yours truly,
D. V. Bell (Signed)
m

Supt. Viater Gos .

.£9.El

�Hanna - March 17th, 1926.

Hr . George B. Pryde:
Re: telephone conv ersation relative to t he Coov ensation
case of Sam Crawsha\"1 :
Crawshaw uns inj ur ed while in the employ of the Rat tlesnake Creek \'later Company.

Crawshaw \'/US call ed out by Mr . Clark on

!.'larch 20th, 1925, to help r epair a pipe +ine.

\'/bile cutti ng a pipe a

piece of steel fleu into Crawshaw's right eye.

Craushaw was disabled

for a period of 33 days, he ad vises t hat he \'las pai d compensation ·for th:ils
period.

Dr. Straed er of Cheyenne has handled this case and am a dvised by

Crawshaw that the doctor has foruar ded his bill to the Clerk of Court at
Rawlins, YJyoming .
All papers covering this case have been filed vii th the
Cler~ of Court of Carbon County, and co pies of same are in the Office
of the Rattlesnake Creek \'later Company at Rock Springs.
T. H. Butler {SignedJ

�March 9th, 1926.

Mr. N. R. Greenfield,
Rawlins, Tiyoming.
Dear Sir:
Herevtlth letter from Dr. St rad er in relation to compensation case of Sam Cra·wshaw.
A~parently there is a confusion as to whether this
L'lall

is an employee of the Rattlesnake Creek ~ater Company or an em-

ployee of the Union Pacific. Coal Company.

Dr. Strader is under the

i1:1pression that his pre~ious fee of f;ll0.00 was paid by the Hospital
Commission at Hanna , when perhaps tha t Commission had nothing to do
,tlth the caoe.

Dr. Strader's main question is, however, as to whether

he shall give the compensation department the full report of his examination.

Will you kindly check the case and udvise oe r,hat I may

say to Dr. Strader.
Yours very t ruly,
Original Signed
Herbert v. Lacey

HVL-T
cc - Mr. Eugene llcAuliffe

�Dr. Geo. L. Strader
Dr. F. L. Beck
Cheyenne, Wyoming.
March a, 1926.

Mr. Herbert Lacey,
Cheyenne, ·wyoming.
Dear Sir:
On April• 6th, 1925, Sam Crawshaw was sent to oe by Dr. H.
Finch, Coal Company Physician at Hanna, for treatment of an eye injury.
Our records show that he was~reated at the time as a Coal
Company case and we rnade no report to the State Compensation Department nor
to the County Clerk.

Tie were paid ten dollars (~10.00) presumably by the

Hospital Coliliilission, although our r eco rds do not show definitely that the
check car.1e from the Hospital Commission.
On ~rch 6th, 1926, he ,re.s referred by Dr. Finch with a letter stating they wished to have a final examination oade to determine what
vision he has in the injured eye.

The letter also stated that he uas a

compensation case and that at the time he uas injured he uas Yrorking for
the Rattlesnake Creek Water Company and is still an employee of that company.

I might add that his vision in the injured eye - right - is
20/70 and with correction" is 20/30 plus.

He has a very ·slight linear scar

across the center of the cornea.

I run giving you this history of the case so that you may advise me whether this should be reported as a State Coriipensation case' at this
time, nearly a year after the injury \78.S received, Liarch 21, 1925.
Very sincerely,

G. L. Strader.
GLS.D.

'

�,-----------

REC £1VE D
MAH 17 192u
GENERAL MANAGE!l

Omaha - March 15, 1926.

Mr. G. B. Pryde:
Note attached letter from Dr. G. L. Strader, Cheyenne,
to Mr. Lacey , March 8th, and Mr . Lacey's letter of March 9th
to Mr. Greenfield.
With return of papers ,

early advice regarding

this case.

_______._._,,

...

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                  <text>This collection is made possible in part by a generous grant from Wyoming Humanities. All materials are the property of Union Pacific Coal Company, on long-term loan at Western Wyoming Community College. For usage inquiries, contact the &lt;a href="https://www.uprrmuseum.org"&gt;Union Pacific Museum&lt;/a&gt;</text>
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                <text>Reguards to ongoing case of Sam Crawshaw.</text>
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                <text>1926-03-13</text>
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                <text>George B. Pyrde&#13;
Sup. Water Cos.&#13;
 D.V. Bell, T.H. Butler &#13;
Herbert V. Lacey</text>
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&#13;
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