The Press.
London, England, 1855-11-17 00:00:00

LIGHT BROWN COD LIVER OIL

TESTIMONIAL from DR. LETHEBY,
Professor of Chemistry and Toxicology in the Medical College
of the London Hospital, Medical Officer cf Health to the City
of London, dc. &c. &c.
" I have frequently had occasion to analyse the Cod Liver Oil
which is sold at your establishment. I mean that variety which
is prepared for Medicinal use in the Loffodeu Isles, Norway, and
sent. into commerce with the sanction of Dr. DE JONGH, of
the Hague.
" In all eases I have found it possessing the same set of pro-
perties, among which the presence of cholaic compounds and of
iodine in a state of organic combination are the most remark-
able : in fact, the Oil corresponds in all its characters with that
named ' Huile brunet and described as the best variety In the
masterly treatise of DR. DE JONGII.
"IT IS, I BELIEVE, UNIVERSALLY ACKNOWLEDGED THAT THIS
DESCRIPTION OF OIL MAS GREAT THERAPEUTICAL POWER; AND,
FROM MY INVESTIGATIONS, I HAVE NO DOUBT OF ITS BEING •
PURE AND UNADULTERATED ARTICLE.
" College Laboratory, London Hospital, Sept. 24, 1855."
_ .

Sold ONLT in bottles, capsuled and labelled with Dr. de dongh's
Signature.wrrnour WHICH NONE ♦RE GENUINE byA NSAR, IiAR-
FO RD, and CO., 77, STRAND. Londnn, Dr. de Jongh'F. sole Con-
signees ; and by must respectable Chemists in town and country.
Half-pints (10 ounces), 28. 6d. • Pinta (20 ouswa),4s. 9d. ;
Quarts (40 ounces), 911. IMPERIAL MEASURE

►jTO LANDOWNERS. Any Nobleman or
lI Gentleman requiring a RESIDENT STEWARD to manage
such portion of his Estate as may be in hand, would find the
Advertiser well qualified for that purpose, and competent to un-
dertake the entire agency of the property if required. Good
references will be given.—Letters addressed to H. 11., care of
Mr. Harris, 21, Murray-street, Camden-square, Camden-town,
will be promptly atteniled to.

1) [ A N U F 0 It T E S,
Manufactured by ROBERT COCKS and CO., London,
for SALE or HIRE. Prices from Twenty-two Guiueaa up-
wards—warranted to stand all climates.
" These pianofortes are remarkable for the beauty and equality
of their tone and the facility of their touch, and their extremely
elegant exterior."—Musical World.
For hire at 12s. per mouth and upwards. Lists of prices and
drawings gratis and postage free. London: ROBERT Cocas
and Co.. New Burlington-street, Pianoforte Manufacturers, and
Publishers to the Queen and Napoleon 111.

"THE QUEEN," a NEW and ELEGANT
1 CLOAK, Manufactured and Sold by FARMER and
ROOERS,I7I, 1`1,176, REGENT-STREET. From the Court
Journal, Nov. 3.—" Amongst the many novelties produced for
the present season, none have been so much admired and gene-
rally appreviated as their new cloak, ' The Queen.' The fall,
when on the figure, is extremely graceful, and combines a requi-
site degree of warmth with that taste and moderation in price
which so largely distinguish this :rodent emporium."

THE PEN SUPERSEDED.—The most easy,
permanent, and best method of marking Linen, Silk, Cotton,
Coarse Towels, Books, or anything else, so as to prevent the ink
spreading, or the possibility of its washing out, is with the
PATENT ELECTRO SILVER PLATES. Any person can use
them with ease. Initial Plate, Is.; Name Plate, 25.; Set of
Numbers, is.; Crest, be. Sent post free on the receipt of stamps
(with printed directions), by the Inventor and sole Patentee, T.
CULLETON, 2, LONG ACHE, one door from St. Martin's-lane.

RE SPI R A TOR S.-F. C. REIN'S
JR CORE RESPIRATORS for the MILLION.—They are not
affected by the atmosphere nor the acids of the stomach, will
remain perfectly dry while worn, and allow free respiration. By
its use it is impossible to breathe any other than warm and per-
fectly pure air. It will be found highly beneficial on leaving
heated rooms, crowded assemblies, ttc., for the Prevention of
Coughs, Colds, Consumption. and all Affections of the Throat
and Lungs. Price 3s. bd., sent free to any part of the kingdom.
Address F. C. Rein, at his Paradise for the Deaf, 108, Strand,
Londou.—The Trade supplied.
Also, Rein's Double-Action Fountain. Railway Convenience,
Elastic Stockings, Trusses, and all other meehatliesl assistialeo
fur infirmities. N.B.—Mrs. Rein attends on Ladies.

FENDERS, STOVES, and FIRE IRONS.
Buyers of the above are requested, before finally deciding,
to visit WILLIAM S. BURTON'S SHOW.ROOMS. They
contain such an assortment of Fenders, Stoves,' Ranges,
Fire Irons, and General Ironmongery, as cannot be approached
elsewhere, either for variety, novelty, beauty of design, or exqui-
siteness of workmanship. Bright Stoves, with bronzed orna-
ments and two seta of bars, 21. 14s. to 51. 10s. • ditto, with ormolu
ornaments and two sets of bars, 51. 10a. to 'l2/. 125.; Bronzed
Femiers complete, with standards, from 7s. to 31. ; Steel Fenders
from 21. lbs. to 61.; ditto, with rich orzuoluornaments,from 21.155.t0
W. 75.; Fire.irons, from 16.9 d. the set, to 41. 4s. Sylvester and
all other Patent Stoves, with radiating hearth-plates. All
which bets enabled to sell at these very reduced charges.
Firstly—From the frequency and extent of his purchases ; and
Secondly—From those purchases being made exclusively for
cash.
GAS CHANDELIERS AND BRACKETS.
The increased and increasing use of Gas in Private Houses
has induced WILLIAM S. BURTON to collect from the va-
rious manufacturers all that is New and Choice in Brackets,
Pendants, and Chandeliers, adapted to offices, passages, and
dwelling-rooms. as well as to have some designed expressly for
him; these are ON SHOW over his SIXTEEN LARGE
ROOMS, and present, for novelty, variety, and purity of taste, an
unequalled assortment. They are marked in plain figures, at
prices proportionate with those which have tended to make his
ironmongery Establishment the largest and most remarkable in
the kingdom—riz., from 12s. 6d. (two light) to 1G guineas.
LAMPS of all SORTS and PATTERNS.—
WM. S. BURTON invites attention to his season's SHOW
of LAMPS. It embraces the MODERATEUR, (the best Pari-
sian specimens of which have been carefully culled), ARGAND,
SOLAR, CAMPHINE, PALMER'S MAGNUM, and other
LAMPS for candles ; and comprises an assortment which,
considered either as to extent, price or pattern, is perfectly un-

rivalled.
Pure Colza Oil. 15s. ed. per gallon.
Palmer's Candles, 1011 and 100, per lb.
Patent Camphine, Ss. 10d. per gallon.
The alterations and additions to these very extensive
wises (already (already by far the largest in Europe),which have occupied
the whole lo ear, are now nearly completed; they are of such a
character that the entire of EIGHT HOUSES is now devoted to
the display of the most magnificent stock of GENERAL
HOUSE IRONMONGERY (including Cutlery, Nickel Silver,
Plated and Japanned Wares. Iron and Brass Bedsteads, and
Bedding), arranged in SIXTEEN LARGE SHOW-ROOMS,
so as to afford to parties furnishing facilities in the selection of
goods that cannot be hoped for elsewhere.
Catalogues, with Engravings, sent (per post) free.
No. 39, OXFORD-STREET 1, Llt. 2, and 3, NEWMAIti•
STREET; and 4,5, and 6, PERRY'S-PLACE.

1105

LONDON OMNIBUSES—The London
Omnibus Proprietors, being desirous to remove any sir
conception which may arise from the unauthorised proceedings
of a few Proprietors, who appear to have been in Paris, and en-
tered into negotiations for the Sale of London Omnibuses, NOW
PUBLICLY DENY that such parties bad any authority to sell
the said Carriages; and they REPUDIATE the seta of all
parties seeking to sell the property of other Proprietors.
Agreed to at a meeting held at Hungerford.hotel, London, at
which nine tenths in number and seven-tenths in vales of Pro-
prietors were present and represented.
(By Order) HENRY GRAY,'
Chairman of the Metropolitan Stage
Carriage Proprietors.

Nov. 1855.

LIGHT, CHEAP, AND DURABLE
ROOFING.—CROGGON'S PATENT ASPHALTE ROOF.
ING FELT is perfectly impervious to rain, snow, and frost, and
has been tested by a long and extensive experience in all di-
nt/MOS. Saves half the Umber required for slates. Can be laid
ou with great facility by farm servants or unpractised persons.
Price one penny per square foot. Croggon's Patent Ton•oun-
ductiag Felt, for covering steam boilers, and pipes, saves 2S per
cent. of fuel. Samples and testimonials sent by post, on applica-
tion to Croggou and Co., 2, Dowgate.hill, London. who alao
supply ship-sheathing felt and inudorous felt, for damp walls,
and• lining iron houses, and roots generally, to equalise the
temperature.

•
LILECTItO•PLATE and TABLE CUTLERY.
II Mr. MECHI begs to announce that he Is preparing an
Additional tthow•room at his New Establishment, No. 112,
REDENT-STAEET, which will be devoted exclusively to the
Display and Sale of the above named Manufactures.

DIMMEL'S TOILET VINEGAR is far su-
it perior to Eau de Cologne, as a refreshing and tonic lotion
for the toilet or bath, &reviving soent,and a powerful disinfectant
for apartments and sick-rooms. Its numerous useful and sani-
tary properties render it an indispensable requisite in all families .
Price 9s. 6d. and 15s. ; sold by all Perfumers and Chemists ; and
by E. RIIIMEL, 39, Gerrard-street, Soho, London. Ile sure to
ask for " Himmel's," as there are many counterfeits.

DEAFNESS.—The only medal awarded at
the Great Exhibition of 1661 (for Acoustic Instruments)
was to F. C. REIN, for his new ACOUSTIC INSTRUMENTS
for the DEAF. They are made of different power, to suit ex •
creme and every degree of Deafness. To be procured only of the
sole inventor sod maker, F. C. Rein,loB, Strand, nearly opposite
Exeter•hall, where the Instrument can be tried, and numerous
testimonials seen, amongst many one from the Right Hon. Sir
John Patteson, one of her Majesty's Privy Councillors•

TO LOVERS OF FISH -ONE HUNDRED
GENUINE YARMOUTH BLOATERS for as., package
included.
THESE HIGHLY-ESTEEMED DELICACIES AND CHEAP
ARTICLE OF FOOD
forwarded to aU parts, on receipt of peuny postage stamps, or
P. 0.0. (preferred). Send tUll and plain direction, county, and
nearest station.—Address THOS. LETTIS, Jun., Fish-curer,
Great Yarmouth.
" This is the third season Mr. Lettis bas supplied us with
Yarmouth bloaters, and we find the quality eicellent.—J. Bra-
ehowe, 'muse steward, Blenheim Palace. Oct. 20, 1865."
" Mr. Lettis,—As soon as you send out your genuine bloaters.
I shall be glad to have a supply as usual ; those 1 bed lase year
gave great satisfaction.—A. F. Courrour., Asubassadors'-oonrt,
St. James's Palace. Oct. 1, 1855."

WINTER CURTAINS AND CARPETS.—
SEWELL and CO. beg respectfully to intimate to the
purchasers of articles of Furniture that their buyers have just
returned from the Continent, where they have succeeded in
purchasing some of the most rare and beautiful specimens of
Aubasson Carpet" PORTIERES TAP ESTRI ES, Reps. TA BL E
COVERS, and Utrecht Velvets, including some of the mos t
attractive novelties of the Great Exhibition. They have also ai
hand a very choice collection of Persian Rugs at minimally lour
prices, and a well•assorted stock of BRUSSELS and TAP
F:AT=
CARPETS, French and English Chintzes, Yorkshire Damao,
Blanketa, and Table Liueu.
COMPTON-HOUSE, 44, 46, and 46, Old Comptou-street. mid
46 and 47, Frith-street, Soho.

GENUINE COLZA OIL,
6s. dd. per Gallon, for °soh (reduced Nov. 6th), by
TUCKER and SON, 190, Strand, the very finest quality being
made by the firm, who contract with the Trinity Board to supply
the Lighthouses with sbot.t 70.000 gallons annually for use, In
which Oil of the very best quality only will do. T. & Son deliver
it in London and its suburbe free by their own vans, and send it
into the country in sealed cans, containing from two to ten gal-
lons; larger quantities in casks. Same price as charged allowed
for empty cans and casks Moderator Lamps, and all other
kinds, cleaned, repaired,aud rebronzed on the premises. Trifling
repairs done while waited for. Glass Model Lamps kept to
show the interior works. Directions for trimming sent free by
poet. Globes, Chimneys, and Cottons of all sizes, and an im-
inense stock of Lamps of all kinds, from the cheapest advertised
(that are fit tube used) to the most costly it china or bronze.
In Two Large Show-Rooms, attached to TUCKER and SON'S
GENERAL LAMP FACTORY, 198, STRAND (neer Temple-
bar). London. Establiehed thirty-seven years.

G'S PALE NEWOUNDLAND
n. COD LIVER OIL, of very fine qualitF
y, and by Messrs.
Charles Fox and Co., and recommended by Professor Taylor, of
Guy's, and by Professor Thomson, of St. Thomas's, Hospiive-pinttals.
Half-pints, Is. lA.; Pints, 2s. 6d.; Quarts, Ss. 64. F
bottles, 10s. 64., impe measure.
Sold at rial
79, St. Pau 's Churchyard.
** Orders from the country, should expressly state
" KEATING'S COD LIVER OIL.

H
OLLOWAY'S PILLS for the CURE of
RHEultA•rtam are far superior tot all other ftemedies.—•
Mr. Talbot, Druggist, 99, st. James-stree, Liverpool, PLOW., in
a letter to Professor Holloway, that he in requested by Mn
Jameson, of 23, Norfolk street, to inform him that for man
years he had been afflicted with asthma and rheumatism,
u and
could obtain no relief from the many remedies he tried, ntil
taking Holloway's Pills, this invaluable medicine speedily cured
him, and he wishes the same to be made public for the benefit
of others.
Sold by all medicine vendors throughout the world ; at
Professor Holloway's EstAbliihmeutf, 244, Strand Loudon, and
80, Malden-lane, N'ew YOrk ;uy A. Stainpa, Constantinople ;A.
naldicv. Smyrna: and H. Roods, Malta.
-"t •

Now ready, rice
MORTON'S NEW FARMER'S ALMANAC.
BLACK= end box, Warvicquers, Cy, London ; wad all
Bookseller&

•

11

UNITY

JOINT-STOCK MUTUAL BANKING
ASSOCIATION.

PRINCIPAL OFFICES.
UNITY-BUILDINGS, 8 and 10, CANNON-STREET, CITY.

LLICESTER-SQUARE BRANCH.
1, NEW COVENTRY-STREET, LEICESTER-SQUARE.

CLOSING OF THE SHARE LIST.

The Directors are happy to announce that, in consequence of
the large number of shares that have been allotted and paid
upon, the share list will be closed on Friday, the .10th November,
after which date no applications will be received.
Arrangements have been made which will enable the Bank to
commence business early in January next.
'Phis Bank, to be incorporated by Royal Charter, is established
for the purpose of founding the principle of MUTUAL BANK-
ING, whereby customers, who create the profits, become en-
titled to a participation in them, by way of interest on their cash
balances. The principle of mutuality has been for many years
acted on by insurance companies, and their policy holders have
participated to a very great extent in the bonuses, with much
advantage to the institutions and the Shareholders. By Banks,
however, to this period MUTUALITY has been neglected. The
whole of the profits resulting from successful operations have
been given to Shareholders only.
ADVANTAGES OFFERED BY THE UNITY BANK.

I. To Shareholders, five per cent. from the date of payment
on all paid-up capital, as well as fifty per cent. of the profits.
11. To customers, in addition to the ordinary amount paid on
deposit and current accounts, interest ou their cash balances,
• equivalent to fifty per cent of the profits.
This IS the plan on which the UNITY JOINT•STOCK MUTUAL
BAN KIND ASSOCIATION IS established. By it is created, for the
first time, an identification of interest between the customers
and Shareholders of the Bank, who thus become mutually con-
cerned in the extension of its business. It will be the means of
opening up new business, preserving a connection once formed,
and productive of practical benefits to the public generally.
CONDITION OF LONDON JOINT-STOCK BANKS.
The success of Joint-stock Banks in London is readily ad-
mitted, as well as proved, by the statements periodically issued
by those great commercial institutions. In support of this the
following table is submitted, showing the condition of each of
the six metropolitan Jotnt•siock Banks which have published
accounts, the original cost of the shares, their present market
value, and the dividends payable thereon:—

civi ..
. a i"a ei e)
a
a 2)
AC '°•*2 24 ›. c..) P.
or ,_:: ?'z , ...
~.. 4 ~ A t. .... IV
NAKJI 07 BANK. _o-i— 73 P. CI "6 Cr., .. -e; Cr, '''' Z 5 1:1
S t it : g 0.
4
4 2 a a .1 S • .."
41. C 4 4
...•-•
S A A
London Jr Westminster 1834 1,000,000 20 47 16 ci
London Joint-stock .... 1836 600,000 10 321 25 a
1 i nion Bank of London 18x9 422,900 10 30 20 44
London and }
C0unty....11839 394,135 20 391 12 ...I
Comm roial. B. of London 1840 300,000 20 31 10 ..,
Royal British Bank ....'l'49 100,000 50 . . 6 t.'

The above Banks publish the following facts with regard to
their positions :
I. The entire amount of subscribed capital in the six Joint-
stook Banks in Loudon is 12,70 t,2001.
H. The amount thereof paid up is 2,817,0351.
111. The amount of deposits, or customers' balances, is
29,376,4101.
IV. The total number of Shareholders is 4,097.
V. The number of shares issued, 147,061.
Thus is presented proof of known security, extent of business,
and general financial resources. These establishments hold
half-yearly meetings, and lay before their connections full ac-
counts of their progress and general operations. This course
cannot fail in inspiring with confidence all who have any deal-
ings with them, while it gives to the public the meansof forming
an opinion as to their responsibility.
INCREASED VALUE OF JOINT-STOCK BANK SHARES.
• It is proved to demonstration that Joint-stock Banking, under
proper supervision, affords a most legitimate and unusually pro-
fitable field for the investment of capital. The dividends paid
by the Banks above quoted vary from 6 to 25 per cent., and the
latest quotations of their shares show an increase of from 55 to
215 per cent, on their paid-up capital. The real increase, how-
ever, in the value of the shares may be better understood by the
fact that the paid-up capital of these six Banks is 2,617,0351.,
and that its present market value is 6,912,1161. It has thus in-
creased two-and-a-half fold, so that every 11. has now become
21. 10s., and there is every prospect of this amount continuing to
increase in value.

I • COURTAOF IDIRECTORStiFTTHE-011

GOVERNOR.

J. J. MECHI, Esq., 71:iPirree-h-i-.11, Kelvedon, Essex.

WILLIAM JOSEPH BRUCE, Esq., :6, Duke-street, West-
minster, and 4 A, Hyde-park-place, Cumberland-gate
G. L. P. EYRE, Esq. (Messrs. Trinder and Eyre), 1, John.street,
Be ford-row
THOMAS CARLYLE HAYWARD, Esq (Messrs. Hayward and
Sons), 93, Minories, and 3, Highbury-park North
MAJOR HENRY STONES, LL.B., 33, Nottingham-place, Re-
gent's-park.
ROBERT GARLAND, Esq., Thames-chambers, York-buildings,
Adelphi, end Beltiore-lodge, Hlghbury
THOMAS H. BAYLIS, Esq., Cannon-street, City, and 4, Not-
tingham-terrace, York-gate, Regent's-park
DR. I YI), 4, Suffolk-place, fall-mall
ROBERT JAMES SNAPS, Esq., 2, Stone-buildings, Lincoln's-
inn
EDWARD GOULD BRADLEY, Esq., Heathbuid-lodge,
Hampstead
MAJOR MARTIN MULKERN, Ightlield-house, Alsop-terrace,
Regent's-park.
BANKERS.
THE LONDON AND WESTMINSTER BANK.
SOLICITOR.
THOMAS TAY LOFT, 27A, Bucklersbury, London.
BROKERS.

Messrs. R. and J. 511TT0V,272, Royal Exchange, London,
GENERAL MANAGER.
GEORGE ( HAMBEuz., (trotn Messrs. Barnet, Hoare,
and ('o.)

SECRETARY.
HENRY LAKE, Esq.

THE PRESS.

Each of the Directors is duly qualified, having subscribed for
twenty shares, and paid the deposit of 1,0°01., iu accordance
with the Deed of Settlement.

THE NEW PRINCIPLE INTRODUCED BY THE UNITY

BANK.
Regarding the distinctive principle of the Unity Bank, it has
been suggested that there must be a detraction from the profits
of the Shareholders, by reason of Al por cent. being given to the
customers of the Bank. This idea can only have arisen, how-
ever, from the want of &careful consideration of the whole sub-
ject. In the first place, it is necessary to remember from whom
the profits of a Bank are derived. They are not male from the
share capital. The very first ingredient for the formation of
profits is a customer. The amount of profit must, therefore, be
governed by the amount of business transacted; and the larger
the business, provided it be properly conducted, the larger will
be the profits. It must be borne in mind, also, that the real ex-
tent of the dividends must depend ou the number of cents, of
profits, and that 14) per cent. of the profits, extending over large
transactions, may be far greater than leo per cent. derived from
more eirciunscribed business. lf, then, the customers of a Bank
constitute its profits, the customers should be induced to
transact their business with the Bank, and thereby the profits
of the Shareholder, ivatead of being reduced, will be augmented.
The inducement held out to the customer, however, should be
such as does not involve or complicate the business of banking
It should not be by the promise of some peculiar accommoda-
tion, or some particular and increased rate of interest, or by any
departure from that sound system of Joint-stock Banking which
has stood the test of years of experience, and procured so great
prosperity. But it should be, as it is in the Unity Bank, an ad-
vantage which interferes in no degree with established princi-
ples, but merely allocates a portion of that which has already
been declared to be profit to those who have been the makers of
it. Assurance Companies have been accustomed to apportion
certain of their profits, by way of bonus, to their assurers; and
so general has become the recognition of the right of the
assurer to this participation, that no Assurance Association
would now be established without this essential to success.
The justice of the principle consists in this—that as the assurers
make the profits of the company, they ought to be participators
in its prosperity. What is just in assurance will be found just
also in banking. The customers of a Bank make the profits of
the Bank, and they ought also to be participator* in its pro-
sperity.
It has been asserted, also, that the 60 per cent of the profits
proposed to be divided, while it would detract irom the profits of
the Shareholders, would be but a trifling benefit to the customers.
It might„ in the first place, be replied that no benefit is considered
"trifling" by those who rightly estimate pecuniary affairs; that
the benefit, if trifling, is in addition to all the other benefits
usually derived by banking at a Joint-stock Bank; and that no
correct data can yet be formed of the profits which will be made.
On the other hand, it must be remembered that hitherto persons
have taken their banking account where personal feeling, accom-
modation, or 3onvenience of locality might lead them. Now, for
the first time, by the introduction of the principle of mutuality,
selfinterest is appealed to. And when, to the large number of
the public attracted by this all-powerful stimulus, is added the
number of the connections of the Unity Insurance Associations
in all parts of the country, who have a peculiar identification with
and interest in its success, it may fairly be stated, that antece-
dent data are not sufficient to form an estimate of the advantages
which both the Shareholders and customer& will derive from the
Unity Bank.
Gi eat difficulty exists in estimating the effects likely to be pro-
duced by the establishment of this new and most desirable feature
in banking. It is one that must become highly popular with
every commercial interest, and with every class of the public,
because its simplicity and advantages are at once to be seen and
appreciated.

- -
To those great commercial bodies which are compelled to have
large cash balances constantly at their bankers', it will prove to
be a serious consideration, and a most important soiree of
profit. The railway, dock, gas, water, steam navigation, insurance,
and other companies, professional men, merchants, brokers,
gentlemen of fortune, and traders of all kinds, will duly estimate
the difference iu the system now propose•i from that heretofore
existing. In fine, u Joint-stock Bunks became a public neces-
sity. as is now proved, so will the principle of mutuality—where-
by these admirable institutions may be rendered still more Her-
viceable to the public. and in no way less safe—demand the best
consideration of the community at large.