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Location: Jacksonville, Florida
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Item: 121881061822
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Old Stock Yard Collectible Stock and Bond Certificates Industrial Finance Corporation The Morris Plan Original stock certificate 1926 – Virginia Hand signed by company officers More information about The Morris Plan and the Industrial Finance Corporation: In 1910 the first Morris Plan company was organized at Norfolk Virginia by Arthur J Morris a young lawyer who had been an interested student of European systems of industrial credit This original company was formed with $20,000 capital to make loans on personal credit The organization proved a decided success and was soon extended to over one hundred American cities The Morris Plan companies from the time of their establishment in 1910 to February 1919 had made about 625,000 small loans aggregating considerably over $90,000,000. In Iowa four companies were in operation on June 30 1921. The Industrial Finance Corporation was organized in February 1914 to centralize and standardize the Morris Plan movement This corporation owns about twenty per cent of the capital of the operating companies it holds the copyright to the Morris Plan name and various other expressions necessary to the operation of the plan It assists in the organization of new companies sells the right to operate the Morris Plan instructs the managing force in the operation of the new company furnishes forms and other items of equipment and exercises a cooperative supervision over all of the different companies 668 The result is that companies of this type use the same name and have made use of the distinctive black diamond with the words The Morris Plan thereon in their signs and engraved on all stationery and advertising circulars Their general methods are also practically the same in all cities At the second annual convention of the managers and representatives of the Morris Plan companies held in New York City in October 1916 there was organized a National Association of Morris Plan Bankers Its purpose was to promote the national development of the Morris Plan system and to give the managers the advantage of personal acquaintanceship and interchange of ideas. New developments of the Morris Plan include an insurance department which was started in 1917 known as the Morris Plan Insurance Society and organized under the New York State laws By the payment of a small fee a borrower is enabled to carry insurance to cancel his debt in the event of his death and also to return to his family the amount previously paid toward the liquidation of his loan The insurance society had written 22,245 contracts by December 31 1918 but had not done any business in Iowa up to that date In February 1919 the officers of the Industrial trial Finance Corporation reported that it was then seeking a license to operate in Iowa A still more recent development is the Morris Plan of retail trade acceptances Details of this new feature of the system are not available but it is expected to be of assistance to people of small means who desire to make purchases on the installment plan. Loans by the Morris Plan companies are made on the basis of character as security They do not accept pawns chattel mortgages or salary assignments as security for loans The note given must be signed by two co makers in addition to the borrower who are willing to vouch for the character of the borrower and become responsible with him for the repayment of the loan It is maintained that the system reduces the risk of the co makers to a minimum because of the thorough investigation made of the borrower s character and ability to repay the loan when due It is the policy of the companies to loan only when satisfied of the ability of the borrower to meet the loan not relying generally on the credit of the co makers The method of installment payments and the well organized follow up system when the borrower becomes in arrears in his weekly payments strengthen the position of the co-makers. – Information from History of Banking in Iowa by Howard Hall Preston, State Historical Society of Iowa Old Stock Yard Policies and FAQs Please visit my eBay store – any combined certificate purchases ship free with auction items!Shipping and Handling Charges: $3.99 for one certificate to the U.S. $14.99 for one certificate to the rest of the world Additional, combined certificate purchases ship for free! Shipping Method and Timing: Certificates are carefully packaged in rigid envelopes to protect them during shipment. Items are sent via U.S.P.S. – usually first class, but occasionally priority or parcel post. Most items will be mailed within 48 hours of payment. Payment Method: In accordance with eBay policy, my listings are setup to accept Paypal payments. Sellers are allowed to accept other forms of payment only if the buyer requests another payment method – so if you prefer to pay using a method other than Paypal, please let me know. Return Policy: Items can be returned for any reason within 15 days of purchase. A full refund will be issued upon receipt of the return if the item is the same condition it was in upon delivery. FAQs: Are you your certificates authentic or copies? Everything I sell is original and authentic. I do not sell copies or reproductions. Is the certificate pictured the exact one I will receive? Usually, yes. Occasionally, I do list certificates of the same type without rescanning. In this case, the certificate you receive will be virtually identical (same color, size, vignette, etc.) to the one pictured. Again, if you ever receive anything from me you are not 100% pleased with, you can return it for a full refund. What is the best way to store, protect, and display my certificate collection? The best thing, by far, that I have come across for storing certificates are profolios and sleeves made by Itoya. You can purchase them in my eBay store. I have several sizes available. Do the certificates you sell have financial value? No, these certificates are sold as collectibles only; although they are authentic, they no longer hold financial value.
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