The Express.
London, England, 1866-01-27 00:00:00

THE EXPRESS, SATURDAY EVENING, JANUARY 27, 1866

NATIONAL PROVIDENT INSTITUTION.

The. annual meeting of members of the above
inattention took place yesterday at the London Tavern, Mt.
Saxon IL Limas In the chair. The secretary having read
the advertisement and ocher formal documenta,

The CHAIRMAN proceeded to move the adoption of the
report and accounts respectively, and said it would be
only nasearary tot him to make a very few observe
tions. The number of policies issued during the last
year was 802, and the amount of Ninth' income
derived from them was 13,4821. ; 103 policies had been
declined, and 75 were still under coosideration.
There had been during the year 271 deaths, upon
which the claims, including bonnie., amounted to 179,2951.;
21 policies payable to members of a given age bad fallen
due, and 8,4194 bad been paid under this bead. The
balance of receipts over disbursements was 109,7034 ; and
the accumulated fund had increased to 2,530,6574, includ-
ing 194,4374 lent to members of the institution. The total
gram annual revenue amounted to 396,0754 The total
number of members on the 20th November last was 14,726.
These were facts which spoke for themselves, and would
require no comment. There had been a slight demise* in
the smaller class of policies, but the more important ensi-
lages was in a flourishing condition. Is moving the adop-
tion of the report be should be happy to answer any ques-
tions, or to give whatever information might be required.
(Hear, hear.)
The motion having been seconded,

Mr. 8. COPPING, before adopting the »rod, wished to
make a few observations. He did not think the state of the
business quite justified the chairman's congratulatory ob-
servatioes. Bine& 1662 the annual income had fallen to the
extent of 3,6111., whereas a so well established institu-
tion should have increased its business. (Hear, hem) In
policy business the diminution had been 6,193/. In the
meantime the expenses bad increased, and this to his mind
was by so means • satisfactory state of things.. (Hear,
hear.) The expenditure in 1862 was, including
actuaries, medical officers, &c., 6,8094, and in
1865, 7,8101., without including 9001. retiring pension
to lir. Marsh, and this with other minor items, made as
increase ender this head of 1,7001. Bates and taxes also
showed an increase of 5=4 He complained, also, that the
gross income was overstated—at least apparently—to the
extent of 70,0001. He wished to know where he was to find
as acknowledgment of the rents obtained from the portions
of their premises which were lot off. In making those
observations and 'eking those questions, he begged to dm-
claim any hostile feeling towards the directors.
Mr. LLOYD said that the gentleman who had just spokes
had really not touched the moot important point to the
amounts. He found that the new business last year
amounted to L 3,4921., whilst the expenses were 13,3661., so
that the whole of the new business was swept off by the ex-
penses. But this was not all ; they were actually 6,0001. to
the worse. Another came of complaint wee that no exer-
tion was made to get new business. There were
not tan meats who were sending in ten policies
each • quarter, and the reason of this was that
the agents rateived no sufficient encouragement front head-
quarters. The Gresham and other new offices, some of
them doing only class business, were doing a great deal
MGM than the Provident, with only half the expenses. He
wished also to see some notice of the testimonial cont.
mittee's proceedings in the matter of the Marsh testimonial.
The sum raked we. only 2571., and as that was quite insuffi-
cient to offer to Mr. Marsh, the committee had presested
him with two very beautiful water colour pictures, value
1501., and a purse of one hundred guineas. Mr. Lloyd
also complained that the money out on mortgage only
brought in 4 par cent., whilst other Under. obtained 41. tis.
and 41. IN.

Mr. T. TAYLOR thought that Mr. Lloyd's mode of coon-
parieg the office expeeses was motels. Instead of oomparieg
them with the new business he should hate compared them
with the whole receipt..

Mr. FRIORRICI JACKSON suggested the infusing some
new blood into the direction. Me aims from Leeds where
there woe no inertias, of businesa, and he thought a Leeds
director would do a great deal of good. (Hear, hear.)
The CHAIRMAN would reply first to Mr. Lloyd. The only
complaint from the agents was on aos,unt of the rate of
cornmksicie. They wanted more commission, bat of that
he disapproved, and should prefer an increase in the num-
ber of agents. Mr. Lloyd was, be believed, an agent ; bat
the fact was that the greater portion of their busineee came
direct into the °Mos, and paid no commission at all. The
reel point to watch was the table of mortality, and if that
were neglected an increase of policies would only lead to
ruin. Some time since the directors had instructed their
actuary to furnish them with an average table of the mor-
tality in differitat classes of busbies', and the result was
that one class of lives, that of publicans, was found to be
so bad that the direoto,s resolved to abandon that business
altogether. (Hear, hear.) They should remember that it
was not the quantity but the quality of business that paid,
sod seeing that there were now many policies held which
had ceased to Ty soy premium at all, that was a fact
which spoke vo umee for the care which had been used in
the selection of risks. As to the expenses they were only
reasonable, and with respect to competition the directors
were not Rein to enter into a ruinous competition for bad
boatmen.

In answer to a question,
Mr. Murcrou, an auditor, defended the mode in which the
sooonnts ware kept, and explained the discrepancy notioed
by Mr. Lloyd. The system was double entry, and nothing
could be more solid and secure.
After • short conversation,
The CHAIRMAN explained the mode in which the rent
paid by their tenant was accounted for.
A MKIIHER said that he hail lately required money for •
public purpose and had found five per cent. demanded.
How was it that they could only obtain four?
Mr. C. GILPIN said the object of the directors bad always
been to obtain not the highest interest but the best security.
Redid not know what association the gentleman had applied
toe but he was sure they bad not declined for want of money.
Htgh interest g lly meant low security.
The MENDE& said he had asked it on parochial security
for parochial purposes.
Mr. COPPING expressed himself satisfied with the chair-
man's explanation an to the reduction of policies, and begged
again to disdain all feelings of hostility towards the board.
The CHAIRMAN condemned the course taken by Mr. Lloyd,
one of their agents, es tending to injure their business.
Mr. LLOYD asked when he was to speak if not at the
annual meeting. What would be the state of their insti-
tution in thirty years if the directors went on consuming all
their new business in expenses? He had only been an spot
when in the ',twice of the company. He had not done any
business for them for • long time, and he thought it us-
gentlemanly of the chairman thus to allude to him.
(" Order ".)
. _ _

Alderman ROBE supported the directors, and thought the
answers of the chairman bad been most satisfactory. (Hear,
hear.) The last and most important figure in the balance-
sheet was most satisfactory.
The report wee then put and unanimously agreed to.
The outgoing directors, auditors, bcc., were unanimously
elected.

The CHAIRMAN 1111110UOCAd that Mr. Marsh, who had re-
tired in osasequence of total blindness, bad through a skil-
ful surgical operation so far recovered his sights+ now to be
able to read with one eye. (Cheers.) Mr. Morris, his sac-
cessor as secretary, bad for nine months been too ill to
work, and during that time they had been greatly indebted
to the accountant for his exertions.
Mr. COPPOO moved a vote of thanks to the directors.

Mr. T. Wirers, Q.C., seconded the motion, and pointed
out the great importance of the information which had been,
be might say, extorted from the chairman. Nothing could
be no important in an institution like theirs as a rigid in-
vestigation of the class of lives accepted.
Alderman Ross warmly supported the motion, and took
that opportunity of retracting, on behalf of Mr. Lloyd, any
observations which that gentlemen might have made dis-
agreeable to the chairman. He (Alderman Rove) had last
year supported the increase in the remuneration of the
directors, and he now felt the greatest satisfaction in having
done so. (Hear, bear.)
A SHAREHOLDER was proceeding at some length to
recommend a distribution of profits every three years,
instead of five, when be was called to order by
Alderman hoes, who maid that the point had already
been discussed and decided.

The vote was than put and carried by acclam►tion.

The CHAIRMIN, in returning thanks. called attention to
the amount of the bonuses, and expressed his belief that if
the member, would point that out to their friends, the
result must be a great increase of business.
This terminated the proceedings.

CrOVIENIKILNT INSURLNCE AND Apyrumm—The
following additional post-offices will be open on and after
the 29th January, 18.86, for the receipt of proposals for the
Jammu of lives or the purchase of government annuities,
ceder the act 27 and 28 Vict., cap. 43, and for the receipt
of the premiums becoming due to the Postmaster-General,
from tune to time, under contracts for the insurance of
lives or the purchase of government annuities, and for the
payment of any sums which shall become payable by the
Postmaster-General under the said contracts :—Alton
(Hants), Arnold (Nottingham). Ash (Sandwich), Axbridge
(Weston-super-Mau). Below (Chesterfield). Banbury (Tar-
parley), Chalford (Stroud). Cheddar (Westoo-super-Mare).
Barlatown (Warrington), Framlingbam (Wickham market),
Hayfield (Stockport), Holley (Crawley). Holbrook (Ipswich).
Horeforth (Leeds). Henley-in-Arden (Birminghkm), Radon
(Hall), Haverhill (Newmarket), Heytasbury (Bath), lbetcsk
(Ashby-do-la-Zona), Lynton (Barnstaple). These offices
will be open foe such purposes during the hours ap-
pointed for the transaction of money-ceder business. A
handbill containing the principal rules of the Govern-
ment hour-ante and Annuity-office, and of the Post-office
Savings Banks, has been printed for gratuitous distribution,
and copies may be obtained at the above-named offices. A
translation into Welsh of the hand-bill has also bees printed
for distribution in Wales, and copies may be obtained at
any post-odke in Wake whiob has been opened for the trans-
action of Government Insurance and Annuity business. The
meaeure will, from time to time, be extended to other post.
oiliest than Uwe named above, and duo tootles will be given
of such extensions. If application be made to any post-
master for the extension of the aware to hi, office, he
will at once report the circumstance to the secretary.
OWEITAL PA.LAOI2. OMB 81111.1.1210 DAT.
PIMA; JAN. 28.—Abalooloso ea mama, 2,363 ; Mk/
by moos lista* 1,514 ; total 'Woo; 3.907.

LAW INTELLIGENCE.

COURT OF PROBATE AND DIVORCE.
JAN. 26.
(Before the Judge Ordinary.)
KATZ V. KATZ.

Dr. Tristram for the petitioner. She was married to the
respondent in 1850, and her father gave him 1,0001. in
order to assist him to begin business as a solicitor. The
parties lived on satisfactory terms for about eleven years ;
after which the respondent's conduct became very bad. In
1864 his wife separated from him, and her father, who held
a bill of sale on his furniture, sold him up. The petitioner
and her four children had since been living with her father.
The petitioner having given abundant evidence of her hus-
band's violence,
The court decreed a judicial separation.
COOPER V. COOPER.

Dr. Slinks and Mr. Briege for the petitioner, Mrs.
Heide@ Cooper, the daughter of Batbiah Small, who sought
a dissolution of her marriage on the ground of cruelty, de-
sertion, and adultery. The respondent was a caner and
gilder at Paddington, and his marriage was in 1858. About
a month afterwards he began to be very violent in his be-
haviour to his wife. la 1859 be took a pubdabonse in
Wells-street, Oxford-street ; bat in the year following he
sold off his effects and deserted the petitioner. Being thus
left to herself she went to India for three years. She then
sumeeded to a property worth about 1001. a-year. This
reaching his ears, he made proposal to her for a renewal of
the connexion ; but she declined to live with him again.
Proof of adultery at Oxford after the desertion having
been given,
The court made a decree nisi with coats.

THE ALLEGED MURDER CF A POLICEMAN IN
DRUSY-LANII.

Yesterday afternoon, Mr. Bedford, coroner for
Weetminster held an inquiry at the King's College Hospital.
relative to the death of William Fitzgerald, a member of
the metropolitan polite force, who, it was alleged, bad been
murdered while on duty in Drury-lane. The three men,
Doty, Cahill, and Curtis, charged with being concerned in
the death of the deceased, were not present, but the two
former were professionally represented.
Edward Fitzgerald deposed he was brother of the deceased,
and a police-constable. The dammed was 31 years of age.
John Nicholls, a bootmaker, residing at 6, Bedford-street,
Bedford-row, deposed be was proceeding up Drury-lane
about one o'clock on Sunday morning, when he saw a man
in custody of • policeman. He knew the deceased by eight,
and be was the policeman whom he had seen. Another
policeman (No. 19) followed the deceased as far as Broad-
court, Long-acre, and than stopped. The dammed and the
prisoner got into the court, and the crowd went in with
them. As soon as they bad got under the archway
two young fellows cried out "Go it Bob !" He knew the
young fellows, and they were the same he had sew at the
police-court. They seised the deceased by the throat, and
the deceased and the prisoner fell on the ground. One of
the young fellows held the prisoner, sod the other
pulled the policeman sway, when the three ran off. Wit-
ness ran after them, and one of the young fellows returned
towards him, but he let him go try. He went back and
found the deceased lying on the ground in the pleas where
he had left him. lie went to pick the deceased up, but he
said, "Doris' touch me—my arm is broken." Witness
went to the station, and the inspector sent a reserve man
to look after deceased. On going back they found the de-
mand and two constables coming along together. He did
not me any blows sttuck, but he observed the constable's
arm in a defensive attitude while he lay on the ground.
In cromesAminstion by Mr. Levy, solicitor for the
accused, the witness said there was plenty of light in the
cowl.

Mr. Howells, house surgeon of King's College Hospital,
deposed to seeing the deosased at half-past one on Sunday
morning. He was perfectly sober. He was suffering greatly
from pain and exhaustion, and his left arm was very much
swollen. There was no feeling at the back of the hand or
the lower part of the arm. Another surgeon was sent for,
who cut down to the artery and tied it. The following dry
the deceased seemed to be going on favourably, but trau-
matic delirium set in, and he was removed to a separate
ward. About four o'clock witness was sent for by the
nurse, and found the deceased fast sinking.
In reply to Mr. Levy, the witness said it was possible the
Injury Irom which the deceased suffered might have been
caused by a fall, but he did not think it probable.
Mr. Conway ETU); senior assistant-physician at King's
College Hospital, deposed to having made a post mortese
examination of the body of the deceased. The skin of the
left arm was of a dark purple colour, sod the cuticles were
raised and swollen. The only external wound on the arm
was that of the surgical operation. The skin of the arm
was so li►id that it would have been difficult to discover
soy external bruise or wound. The elbow of the left arm
was dislocated, the ligaments of the joint were torn, and
very great violeoce must have been used. The main artery
of the limb was torn asunder. The bones of the upper and
fore arm were broken. The body was that of a very fat
man. The heart was in a state of f►tty gensratioo. Death
resulted from tailors of the action of the heart, The injury
was the primary cause of death. if the heart had been
sound he could not positively say that the injury would
have proved fatal. _ .

The Coroner said that u it was only within the province
of the surgeon to give so opinion BS to the means by which
the injuries had been caused, he wished for the evidence
of Mr. Wood.

The coroner 'a officer stated that Mr. Wood was not in
attendance.

The Coroner said be would adjourn for half an hour in
order to have Mr. Wood prebend.
After the adjournment Mr. Wood was sworn, and after
deposing to the injuries received by the deceased, stated
that the limb had been subjected to twisting force. A
direct blow could not have produced the injury. The
muscle that ought to have been in front of the bone was
at the back, showing that the arm had been twisted. A fall
on the part of the deceased could not have caused the
injury, but if he had fallen with another person ow him the
iojuries might have been calmed.
The inquiry was then adjourned.

FRIGHTFCL DEATH.—Yesterday Mr. C. J. Carttar,
the coroner, held an inquest at the Harrow public-house,
Eynsford, on the body of Mary Ann Morgan, aged iii, who
came by her death under the following shocking circum-
stances. The deceased was employed in the paper mill of
Mr. Fellowes, at Eynsford, and an afternoon or two pre-
viously she complained of thirst, and told a fellow work-
woman that she would go to soother part of the mill where
there is • cistern and obtain some water. Near the cisterc
was • portion of the machinery of the mill, and as the
deceased was stooping, her dress, which was greatly dis-
tended by • large crinoline, was caught in the revolving
shaft, only • few inches from the flooring. The unfortunate
woman was immediately drawn under, and falling across
the shaft her head was twisted round it and her neck
instantly broken. The manager, who had only just
previously left that part of the mill, and where it was
stated females are forbidden from going, saw the deceased
on his return, and immediately stopped the water-wheel,
but she was then dead. The coroner censured the wearing
of crinoline in the mill, sod inquired of the manager why
this was not prohibited, observing that on entering one of
the rooms of the mill he saw that criool;ne was worn by all
the females. Such a practice had been forbidden in Mr.
Joynson's mill at St. Mary Cray. He had had a great deal
of experience in some of the largest establishments where
machinery was, and he must say he was never in any place
where it was more exposed than in that mill, and the fact
that it was dangerous was shown by the owner having
planed a covering at the shaft since the accident bad
occurred. If the mill was placed under government in-
spection • very considerable outlay would have to be made,
and the cost of properly protecting the machinery would be
less than the expense of burying the deceased. The jury
then returned a verdict, "That the deceased met her death
by being crushed in machinery, owing to the same not
having been properly protected." The manager promised
that the remarks of the coroner should be at once attended
to, and the inquiry terminated.

- -
SHOCKING ACCIDENT ON THE GREAT EASTERN
SAILWAT.—On Wednesday evening a serious accident
occurred to Mrs. Elizabeth Lewis, aged 39, the wife of Mr.
Lewis, accountant, of Albert-villas, Woodford. She was
returning home from Biahopegate, by the 7.10 train, and
arriving at the Stratford station had to change carriages for
Woodford. It is stated that she was endeavouring to
alight from the carriage while the train was in motion,
and that in doing so the door of the carriage knocked her
down, sod she fell under the train, the wheels passing over
one of her legs. Dr. Kennedy, of Stratford, was imme-
diately in attendance and bandaged up the fractures. She
wee then seat off by • special engine to the Mile-end station,
from whence she wee conveyed in a cab to the London
Hospital, where one of her legs was amputated, hut the
shock to her system was so great as to leave little hopes of
her recovery. She has s family of Ave young children,
THE SUSPECTED MURDER NEAR GLASGOW.— We
am glad to be able to state that the grave suspicions as to
bow the man whose body was found in the canal near
Cadder had died, hare been completely set at rest. Yester-
day the body was examined by Drs. Macleod and Stewart.
The wounds on the bead and face were distinctly found by
them to be postmortem wounds. The body bad also been
severed after death obviously by the screw propeller of
some passing vessel. Late its the day, the body was identi-
fled as that of Patrick ledhane, • tailor, residing near
Kirkintilloch. He went &missing on the night of Christmas
last. After getting somewhat the worse of liquor in •
public-house in Kirkintilloch, be bad proceeded homewards
and is supposed while crossing • "loch" to have fines into
the eanaL—North British Mail.

[Advertisement.]—HoukwAT's P11.18.-111-oon
ditioned Stomach.—Pew rooms, save those who have long
endured the hy7dra-beaded disease called dyspepsia, can form
any notion of the great expense chronic indigestion entails on
muscle, nerve, mind, and.temper. In the early stages of this protean
malady therrffYblit. regulating, and aperient Pills invented by
Pmfemor olloway exert the most wholesome power, by ac-
curately adjusting the functions of the stomach, liver, bowels, !
and the minor organs subsening the solution of man's daily
food In confirmed debility of digestion Holloway's Pins are
likewise reliable remedies which may be confidently resorted to
In all stomachic, hepatic, renal and shine derangements without
the slightest douat of their ability to release the sufferer Irma
almost insupportable misery.