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£500,000.

Established 1873.
CAPITAL

.

man.

Chairman of Trustees of Guarantec Fund.
The Most Hon. The MARQUESS OF TWEEDDALE.

Directors.
The Rt. Hon. Lord DE L'ISLE & DUD- D. MCGREGOR, Esq., Worthing.

LEY, Penshurst, Kent, Chairman. W. H. HEATON-ARMSTRONG, Esq., 93,
W. C. HEATON-ARMSTRONG, Esq., 4, Bishopsgate, Within.
Portland Place, W., Deputy-Chair- AUGUSTUS R. CLENCH, Esq., 12/14,

Lower Thames Street, E.C.
W. P. FORBES, Esq., “The Central News,” London.

List of Bankers.
BANK OF ENGLAND.

CLYDESDALE BANK. BARCLAY, BEVAN & Co.

NATIONAL BANK OF SCOTLAND.
UNION BANK OF SCOTLAND.
WILLIAMS DEACON & MANCHESTER & SALFORD BANK, Ltd., &c., &c., &c.

Head Office.
4, WATERLOO PLACE, PALL MALL, LONDON, S.W.

City Office.
93, BISHOPSGATE WITHIN, LONDON, E.C.
Manager.

Secretarp.
DE WESTLEY LAYTON. 1

R. S. DELAFORCE.

THE CHEQUE BANK HAS OVER 15,000 ACENTS & CORRESPONDENTS ALL OVER THE WORLD.

Oheque Bank Cheques are recommended as a perfect security to the holder for the following reasons :

I. That no Cheque is issued until the maximum amount for which it can be drawn and which is perforated on it, has been paid to the Bank; and, further, that the amount for which a Cheque is filled up is held by the Bank until it is presented for payment, however long it may remain in circulation. No Cheque may be drawn except on the printed forms provided by the Bank.

II. That the uncalled Capital of the Company has been specially hypothecated and vested in the names of trustees as additional security for the payment of customers' Cheques in addition to all the Assets of the Bank.

SPECIAL FEATURES OF THE CHEQUE BANK SYSTEM. In the case of an ordinary Cheque there is always a certain amount of doubt that it will be paid, as there can be no assurance that its Drawer has the necessary balance at the Bank on which it is drawn. This can never be a question in regard to Cheque Bank Cheques, as they cannot be obtained until the maximum value for which a cheque can be drawn has been deposited in cash with the Bank, and that money is retained until the Cheques are presented; consequently Merchants, Tradespeople, Hotel keepers, and the public may treat the CHEQUE BANK CHEQUES as absolutely EQUAL to CASH, as Bank of England Notes are, and for the same reason-that they positively represent so much cash held for their payment on presentation. Every Cheque is numbered, and the No. is recorded in the Bank's books.

The crossing of the Cheques, which necessitates their being cleared through a Bank, affords considerable protection to their holders, and can in no way interfere with their circulation.

It is not necessary to keep a banking account to get Cheque Bank Cheques cashed-they may be passed freely from hand to hand, like bank notes, until at last, through a Banker, they are paid by the Cheque Bank.

Herein lies the distinction and advantage of a Cheque Bank Cheque over an ordinary Cheque.

DEPOSITS received in amounts from £1 upwards. Current rates of interest allowed. Special terms for fixed Deposits.

The Cheque Bank will collect for its Customers, Cheques, Bills, Warrants, Coupons, &c.; also buy or sell Government and other Stocks, pay Annuities, and the like, and advance money on approved security.

CHEQUES for foreign remittance are issued at a uniform rate of ld. each.

THE IMPERIAL INSURANCE COMPANY LIMITED.

FIRE. HEAD OFFICE: 1, OLD BROAD STREET, BRANCHES : 22, PALL MALL, and 47, CHANCERY LANE, LONDON.

ESTABLISHED 1803. SUBSCRIBED CAPITAL

£1,200,000. PAID-UP CAPITAL

£300,000. INVESTED ASSETS (Capital and Reserves) £1,500,000. The distinguishing characteristics of this Company are:-Moderate Rates ;

Undoubted Security; Prompt and Liberal Settlement of Claims.

IMPERIAL LIFE INSURANCE COMPANY,

ESTABLISHED 1820. ACCUMULATED FUNDS EXCEED

£2,250,000. CLAIMS PAID EXCEED

£5,000,000. THE BONUS DECLARED IN 1891 WAS AT THE HICHEST RATE ATTAINED

IN THE HISTORY OF THE COMPANY. Apply for a NEW PROSPECTUS to the

HEAD OFFICE: 1, OLD BROAD STREET, LONDON, E.C.

INSTITUTE OF BANKERS' EXAMINATIONS.

MR. EDWARD HARLOW,

Lecturer in Commercial Law and Book-keeping, University College,

Nottingham,

CERTIFICATED MEMBER

OF THE

INSTITUTE OF BANKERS,

Continues to Prepare Candidates, by Letter or Personally,

for the Preliminary and Final Fxaminations.

For Particulars, Address,

39, EBURY ROAD,

Sherwood Rise,

NOTTINGHAM. METROPOLITAN BRANCHES, COVENT GARDEN, 35, King St., NEWINGTON, 47 & 49, Newington W.C.

.

ESTABLISHED 1834.

Subscribed Capital, £4,662,500. Paid-up Capital, £932,500. Reserve Fund, £722,000.

Directors: MARQUIS OF AILESBURY.

WALTER ABRAHAM LOMER, Esq. EDWARD ATKINS, Esq.

WILLIAM CHARLES Locy, Esq. HENRY WILLIAM COBB, Esq.

EDWARDBAVERSTOCKMERRIMAN,Esq. WILLIAM GARFIT, Esq.

WILLIAM REDMAN, Esq. Sir GABRIEL GOLDNEY, Bart.

JOSIAH TIMMIS SMITH, Esq.
HENRY KIMBER, Esq., M.P.

THOMAS STEEL, Esq.
Head Office-39, Threadneedle Street, London.
G. A. HARVEY and E. D. VAISEY, Joint General Managers.

R. C. HENDERSON, City Manager.
JOHN REID, Secretary. J. J. MACDONALD, Chief Accountant.
ARCHIBALD F. SIMPSON, Chirf Inspector of Branches.

Butts, S.E.

OXFORD STREET, 125, Oxford St. ISLINGTON, 50, Upper Street, N.

PADDINGTON, 195, Edgware Ro. LUDGATE HILL, 25, Ludgate Hill. PICCADILLY, 35, Piccadilly, W.

COUNTRY BRANCHES.
Abergavenny Dawlish Lydney

Rushden
Alcester
Devizes Malmesbury

Ryde
Aldershot

Devonport Marlborough St. Leonards
Alford
Dorking Melksham

Salisbury
Alresford
E. Grinstead Monmouth

Sandown
Alton

Epsom

Moreton-in-Marsh Shanklin
Andover

Evesham
Nailsworth

Southampton
Ashburton

Fareham

New Shoreham Southsea Baldock

Farnham

New Swindon
Basingstoke Gloucester

Spalding
Godalming

Newent
Biggleswade

Spilsby
Newnham

Stamford
Birmingham Gosport
Bodmin

Guernsey
Newport, I.W.

Stow-on-the-Wold Boston

Guildford
Newton Abbot

Stroud

Northampton
Bradford-on-Avon Hastings

Swansea
Brighton
Havant Odiham

Swindon
Brighton, West Hereford Pershore

Teignmouth
Bristol
Horncastle Petersfield

Tewkesbury
Brynmawr

Hove
Plymouth

Trowbridge
Oalne
Hungerford Portsea

Ventnor
Oheltenham

Jersey
Portsmouth

Warminster
Chichester

Kemp Town Reading Chippenham Kettering Redditch

Wellingborough Oinderford Landport Redhill

Westbury
Oirencester

Ledbury Redland (Bristol) Winchester
Ooleford
Lincoln Reigate

Woking
Oowes
Liskeard Romsey

Woolwich
Daventry

Louth
Ross

Wootton Bassett CURRENT ACCOUNTS opened in London on terms usual among London Bankers.

DEPOSIT RECEIPTS issued in London, and Interest allowed at rates as advertised from time to time.

At the Country Branches, Current and Deposit Accounts opened, Deposit Receipts and Drafts issued, and all other Banking business transacted on the usual terms.

Dividends and Coupons collected. Investments in and Sales of Home and For Securities effected.

received and advised for customers free of charge between all the above offices.

Circular Notes and Letters of Credit are issued, payable in the principal Cities and Towns of the Continent, and Letters of Credit are also issued payable in America, New Zealand, Australia, and elsewhere.

The Agency of Foreign and Country Banks is undertaken.
The Officers of the Bank are bound to secrecy.

LIMITED.

AUTHORISED CAPITAL, £3,000,000. SUBSCRIBED CAPITAL £1,500,000, IN 30,000 SHARES OF £50 EACH. PAID-UP CAPITAL, £600,000.

RESERVE FUND, £240,000.

Directors : LT.-COL. GEORGE A. ELLIOT.

GEORGE N. MARTEN, ESQ. WILLIAM FRANKLIN, Esq.

C. W. PRESCOTT-WESTCAR, Esq.
W. M. MACKENZIE, Esq.

HENRY WETHERED, Esq.
General Manager : GEORGE T. GOODINGE.
Assist. Managers

F. LUBBOCK JERMYN. Chf. Insptr. of Branches: JOHN WILLIAMS.
ALFRED WALLIS.

HEAD OFFICE:-168, 169, 170 & 171, FENCHURCH STREET, E.C.

AOTON
ADDISCOMBE
ANERLEY
BALHAM
BARKING
BARNES
BATTERSEA
BATTERSEA PARK
BERMONDSEY
BLOOMSBURY
BOW
BRIXTON HILL
BRIXTON, NORTH
BRIXTON, SOUTH
BRONDESBURY
CAMBERWELL
CAMDEN TOWN
CATFORD
OHARLTON
CHELSEA
CHELSEA (KING'S ROAD)
CHISWICK
OLAPHAM
CLAPHAM JUNCTION
CLAPTON
CLERKENWELL
CROYDON
DULWICH
KALING
EALING DEAN
EARL'S COURT AND
KENSINGTON

FINCHLEY, CHURCH END
FINCHLEY, EAST
FINSBURY
FINSBURY PARK
FLEET STREET
FOREST GATE
FOREST HILL
HACKNEY
HAMMERSMITH
HAMPSTEAD
HANWELL
HARLESDEN
HARROW ROAD
HENDON
HIGHGATE
HOLLOWAY
HORNSEY
KENTISH TOWN
KILBURN
LAVENDER HILL
LEYTON
MILE END
MORTLAKE
NEW BARNET
NEW CROSS
NEW CROSS GATE
NOTTING HILL
OXFORD STREET
PECKHAM
PIMLICO
POPLAR
PUTNEY

27, REGENT STREET, S.W.
ST. JOHN'S WOOD
ST. MARYLEBONE
SHEPHERD'S BUSH
SHOREDITCH
SOUTH HAMPSTEAD
SOUTH NORWOOD
STEPNEY
STOCKWELL
STREATHAM
STREATHAM COMMON
STROUD GREEN
SUTTON
SYDENHAM
TOOTING
TULSE HILL
UPPER NORWOOD
UPTON PARK, E.
VAUXHALL
WALHAM GREEN
WALLINGTON AND

CARSHALTON
WALTHAMSTOW
WALWORTH
WANDSWORTH
WANSTEAD
WEST BROMPTON
WEST KENSINGTON
WEST NORWOOD
WILLESDEN GREEN
WIMBLEDON
WIMBLEDON COMMON

BRIGHTON
BRISTOL

COUNTRY BRANCHES:
HONITON
KINGSTON-ON-THAMES

OTTERY ST. MARY
SIDMOUTH

Current Accounts are opened on the terms usually adopted by Bankers. In cases where a remunerative balance is not maintained, a small charge for commission is made.

Deposits of £10 and upwards are received, subject to seven days' notice of withdrawal, and interest is allowed thereon at the rate advertised by the Bank in the London Newspapers from time to time.

Customers may pay in at any of the numerous Offices of the Bank for the credit of their accounts at Head Office or at any Brancb.

The Agency of Country and Foreign Banks is undertaken, and every description of Banking business is transacted.

Investinents and sales of all descriptions of British and Foreign Securities, &c., are effected, and Dividends and Military and other Pay and Allowances are received. Ample Strong Room accommodation is provided for custody of Securities, Plate, etc.

Drafts on Demand, Circular Notes, and Letters of Credit, payable at the principal Towns abroad, are issned. The Omicers and Clerks of the Bank are bound not to disclose the transactions of any of its customers.

BIRKBECK BANK,

SOUTHAMPTON BUILDINGS, CHANCERY LANE, LONDON.

TWO-AND-A-HALF per CENT. INTEREST allowed on DEPOSITS, repayable on demand.

TWO per CENT. on CURRENT ACCOUNTS, on the minimum monthly balances, when not drawn below £100.

STOCKS, SHARES, and ANNUITIES purchased and sold.

SAVINGS DEPARTMENT. For the encouragement of Thrift the Bank receives small sums on deposit, and allows Interest monthly on each completed £1.

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ABSTRACT OF FORTY-SECOND ANNUAL BALANCE SHEET, MARCH, 1893. Amount at Credit of Subscriptions Current and Deposit Accounts £5,883,572 Investments in the English Funds and other negotiable Securities and Cash in hand

£5,727,831 Permanent Guarantee Fund, invested in Consols

£150,000 Amount of Assets in Excess of Liabilities

£312,983 Number of Members' Current and Deposit Accounts

67,244

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The BIRKBECK ALMANACK, with full particulars, post free.

FRANCIS RAVENSCROFT, Manager. Telephone No. 2508. elegraphic Address : “ BIRKBECK, LONDON." NOW READY. Price 2s. 6d. Demy 8vo., Full Cloth Binding, 96 pp.

EXAMINATION QUESTIONS

IN BOOKKEEPING,

With Illustrations of Methods of Solution and Answers. Including Papers set at the Society

of Arts' and the Institute of Bankers' Examinations.

. By :

EDWARD Harlow,

Lecturer in Bookkeeping and Commercial Law, Nottingham Unirersity College. Author of " Book-keeping"; Modern Business Transactions in Double and Single Entry."

This Book will be found an invaluable help for Teachers and Candidates preparing for the Examinations of the Chartered Accountants, Civil Service, Institute of Bankers and Society of Arts.

To be obtained of all Booksellers, or from the Publishers : BLADES, EAST & BLADES, 23, Abchurch Lane, London, E.C.

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