SANBORN, District Judge.
The facts stated in the stipulation constitute the findings of fact in this case. Briefly stated, the essential facts are these:
Elmer C. Benson was, at the time of his death, the holder of a beneficiary certificate of the plaintiff issued to him on December 29, 1916. The certificate recited that he was a member of Spokane Lodge No. 307, and was "entitled to all the rights, privileges, and benefits of membership, and to participate...
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