
The image depicts a handwritten letter from Mr. Gray in Benicia dated January 6, 1881, addressed to J.B. Roberts, Esq. He mentions having money due in May and is willing to execute a note payable then. Meanwhile, he proposes making partial payments as circumstances allow. Mr. Gray adds that if this proposition is not acceptable, he must either relinquish the policy or accept a paid up one as per the company's terms. The letter is signed by Sam'l Gray