The Sun.
London, England, 1849-10-06 00:00:00

soLlciTolts.

Myers. Mullins and Paddlson, 1, Great James-street, Bedford-row.
The Establishment will be open for business as soon as the pre-
mises and internal arrangements are completed. As stated in their
more detailed prospectus, the Directors confidently expect to be able
to realise an itinply remunerative return to the proprietors, but they
do nut desire inordinate profit. They will labour for the former as
an essential condition of the prosperity of the Institution :—they
would decline the latter as being inconsistent with its leading object,
Which is to diffuse its advantages among the greatest possible num-
ber, not of shareholders only, but of customers also. The Royal
British Bank chiefly seeks--without competing with, or attempting
to rival, the existing Joint-Stock Banks, and to whom the public are
fargely indebted—to invite the very numerous class engaged in trade,
or other active pursuits in the metippolis, who do not at present bank
at all, to avail themselves of the faCilities in business, and of the social
benefits, which " keeping a banker," assuredly confers :—to induce
those who have not yet thought of it, to endeavour to acquire a habit
Of prudent accumulation : and to offer to those who have already
attained to this virtue among the middle and humbler classes, not
only a place of safe deposit for their accumulations, but a fair return
for the use of these—arising from their distribution amongst the in-
dustrious, energetic, honest, and moral men, whose powers are unde-
,veloped, and they and their families depressed, solely from the want,
in many cases, of a little capital opportunely supplied. A portion
comparatively small, of the unemployed surpluses of even the
humble depositors in Savings Banks, would, if discreAly lent to
such persons as those above mentioned, raise the condition in life of
Multitudes in London, and by making them not only more useful
citizens but better men, benefit society at large, and, by causing
rivich that is now inert and unproductive to become active and
fruitful, increase the capital and the wealth of the country. Such
are the objects of the Royal British Bank. Having, by the favour
of the Crown, been pot only incorporated, but privileged to increase
their capital from time to time as their operations extend, the Di-
rector,' purpose thoroughly testing the applicability of the principles
on vd/ich the corporation't founded, to the metropolis, before open-
ing branches elsewhere.
Though their plan be new in London, and embraces features
'which are not to be found in any one Bank hitherto established any-
Where, the Directors are so satisfied of their soundness and public
utility, that they are convinced it is only necessary to exhibit theta
in practice, to win all to their opinion. To do so lastingly it must
be done gradually. They will, therefore, proceed by steps—if slow
yet sure—preferring certainty to speed, and remembering that the
oak was at first but an acorn.
While the Directors address more particularly the classes formerly
alluded to, yet the business of the 'Bank is to be conducted en prin-
ciples which wilr matte all others to avail themselves of the usual
banking facilities. 1"4, however, the earnest desiro of the Directors
that the humblest easterner who brings but his occasional deposit
of a pound, be treated by all in the Establishment with the attention
and consifteration which the wealthy can at all times command for
themselves.

The rates of interest, &c., to be charged on advances, and al-
lowed on accounts and deposits, must of course vary with the state
of the market, and the value of money, which so frequently fluc-
tuates; but at opening, the Directors proposo that the following
shall be their

TERMS OF BUSINESS :
Drawing or Current Accounts—One per cent. interest reckoned
from day to day, to be allowed en all balances constant for six
months, of 1001. and upwards ; and two per cent. en all such
balances exceeding 2006. ; but the permanent maintenance of any
balance will not be insisted on. This point will be optional with the
customer.

Deposit Accounts—Three per cent. reckoned daily, on all deposits
for six months, and the interest paid monthly, or accumulated half-
yearly, at tfse option of the depositor.
Cash Credit Accounts will be granted to respectable parties, sup-
ported by two or more sufficient sureties as joint obligors, at five per
cent. interest on advances, and one per cent. commission on the
amount of the credit.

Advances or Loans cn Promissory Notes with marketable securi-
ties readily convertible, will be made at rates proportioned to the
nature and value of the security in each ease.
Discounts of Bills of Exchange will be at the rates of the day.
Remittances will be made to, and Bills collected in any place in
Encland, Scotland, or Ireland, where there is a banker.
Dividends, &c., will be rdceived for customers or shareholders,
Without charge.
No charge will be made for keeping accounts; nor any fee nor
gratuity allowed.to be received from a customer or applicant by any
one in the Bank s employment.
Applications from several of the metropolitan districts for the es-
tablishment of Branch Offices, are now under consideration.
Forms of applications far the opening of accounts, &c., on the
corameneemont of business, are now ready to be supplied at the
Bank, or will be sent by post to any one who may require them.
By order of the Court of Directors,
HUGH INNES CAMERON, General manager.

ISLAY TONTINE LIFE ASSOCIATION.
Provisionally Registered.

Capital, 600,6005., in 12,000 Shares, at 501. each.
DIRECTORS.
John Rain, Esq., of Morriston, Glasgow.
Archibald Murdoch Burrell, Esq., banker, Provost of Port Glasgow
Alexander Campbell, Esq., of Bedlay
Robert C. Cumming, Esq., of Barremman, Dumbartonshire
henry Dunlop, Esq., of Craigton, Glasgow
Archibald Falconer, Esq., of Glen Park, Port Glasgow
James Hay, Esq., merchant. Leith, Director of the Royal Bank of
Scotland
Archibald flame, Esq., accountant, Edinburgh, ditto
Eagle Ilendersnn, Esq., Director of the National Bank of Scotland
Srißrain Imrie, Esq., Dean of Guild, Perth
John Burn Murdock, Esq., of Gartencaber, ECinburgh
David Murray, Esq., Provost of Paisley.

BANKERS.
The Royal Bank of Scotland and its Branches ; Messrs. Coutts and

Co., London.
SOLICITORS.
Messrs. Turner and Wallace, 37, Virginla-street, Glasgow ;
Messrs. Goodwin, Partridge, Williams, and Edwards, Walbreok

House, London.
Mkszenthrt DimeTon—Archibald Murdoch Burrell, Esq.
S'ECILETAAT—,Lanes Murdoch, Esq.
The barony and estite of Islay, comprising the island of Islay
arid small adjacent islands is in the same latitude as Edinburgh and
Glasgow, and is one of the richest and most produetive properties in
the west of Scotland. It cerdains about 140,000 acres, of which
3401Kre are arable, the rest being luxuriant pasture.
The present rental of this magnificent property amounts at present
to 20,0001.; but a Government geant of 30,0001. is now being ex-
pendAl In drainage an i improvements. The rents are periodically
and' legitimately increased as the leases fall In, anti It is evident that
Such a property must-, undet improved agriculture, afford a much
!urger return. The purchase, it is expected, will be effected for
about 500,0001., And it Is p'roposbd to raise a capital for this purpose,
arid contingent expenses, of 600,0001., in 12,000 501. shares, each
shareholder to nominate a life, and the whole body of AoMinees to
he insured out of the rent* so as to secure the repayment of his
subscription to every shareholder whose nominee lapses. The
remainder of the accumulated rental is to be divided every ten years
amongst the surviving shareholder's, the last survivor to inherit the
estate. On the basic of 11;000 policies, in respect of the 12,000
nominees, it is further contemplated to ingraft the general business
of a life assurance company, so as to secure an annual. dividend of
profits.

Thus it will be seen that every person taking a share in the Ton-
tine, will, under any circanstances, receive back fhe amount of his
investtneut out of the assurance fund, and will also, by way of in-
terest on his shles, receive an annual dividend out of the profits of
the general life assurance department (and the basis and guarantee
Indicated cannot fail to realm this branch mast extensive and lucra-
tive) • -he will, moreover, participate, every ten Years ha nominee
autltcs, in the acetundlated and constanidy improving rental ; and,
in t . ev, nt of his nominee being tho last survivor, will become
the absolute owner, in fee simple, of the entire estate. It is also
to be observed that, as the nominees diminish in number, the
marketable value of the shares will year after year be greatly en-
hanced.

The principles of the proposed Tontine have been maturely con-
sidered by F. G. P. Nelson, Esq , the eminent actuary of the ➢le-
dical and Invalid A.ssurance Company, and receivid his entire ap-
probation.

The estxte is to be vested in three trustees, resident In Scotland.
The affairs of the Society shall be conducted by a board of seven
directors in Scotland, communicating with a board of correspondence
in London. Two general meetings shall be held in Scotland in the
months of June and December.
The preliminary deposit to be ss. per share (being the maximum
allowed under the Registration Act), and a call of 11. per share shall
be made on complete registration. The remainder to be called up
by such instalments as may be found necessary to meet the payment
of the purchase money.
Applications for shares to be made to the following brokers &c., of
whom prospectuses and forms of application for shares may be
had :—Messi s. John Robertson and Co., 47, George-street, Edin-
burgh ; William Bell, Esq.. 2, North-street, David-street, Edin-
burgh: Messrs. Buchanan Aitkin and Co., 41, St. Vincent-place,
Glasgow; J. C. Foulds, Esq., Canada-court, Queen-street, Glasgow;
William Gordon, Esq. Aberdeen ; James Thomas, Esq., writer,
Perth; A. Abercrombie, Esq., Paisley; Messrs. Joseph King and
Sons, Liverpool ; L. L. Lamming, Esq , Manchester ; Messrs. Flint
and Tootal, IYu 1; Messrs. Beardshaw and Co., Leeds ; W. B.
Greenfield, Esq.,' 38, Throgmorton-street, London; of Archibald
Murdoch Burrell, Esq., Royal Bank, Port Glasgow; and William
Bridgel, Esq., at the temporarfoffices of the Association, 38, Throg-
mortonLstreet. London.

I A G E.
I M One half the world are single, and the ether
ippogimg them married, questioaably contented. Diffidence, or sense of right determine the former, and miscalculated hopes em-
bitter the latter. The solitary one may shield himself under the plea
of caution and worldly prudence, and the indissoluble, regret un-
coarp-rosiag hurry ; but the truth lies deeper. Physical incapacity,
and broken health, are the great hindrances to domestic happiness
ani social content. The dowry should not be the only marriage set-
tlement. Honour and justicedentand that health should form an item
In the compact; it alone dignifies the alliance. Blighted hopes er
neglect wend more sorely than poverty or misfortune. Reader, if
these surmises concern you, procure Dr. CULVERWELL'S little
MEMOIRS "On Single and Marti Life, " pub. in 2 vols., is.
each (by cost, in stamps, Is. 6d. each). Let no imaginatively
refined, or prudish feeling deter you, by their titles, nor be hindered
sby misinterpretation of their supposed contents, from obtaining
them. They are not intended certainly for mere idle cori,sity, but
for the closet perusal of those more deeply interested, to whom
they are offered as antagonistic to the empyrical trash put forth on
the above subjects, by unqualified authors, which alone er
together, aro a disgrace to tho age. Furthermore, two other
little publications claim your attention (same price ls. each,
Lost le. 6d.) called " What to Eat, Drink, and
P'NW" and " How to be Happy." They are not merely
uoPllets, but equal in quantity a library volume, nor are they the
Tilers ephemeral scribblings of the hoar, but the study of the author's
life who owes his present existence, health, and position to this ob-
servance of the maxims he would inculcate—to do unto others as he
Wotal be done unto,—to live after nature's laws—and to keep always
" the "Utility side of the way." The above works may be had of
f3herweed, 23, Paternoster-row; Carvalho, 147, Fleet Atrect • Mann,
19, Cernhill; Nelson, 457, West Strand ; or direct (by post or other-
) trent the author (who may be conferred with personally,
sr.rligs sad evenings), le, Argyll-plies Regent-street; ell
etc 4113111,171, .

THE ROYAL GENERAL ANNUITY
SOCIETT.
For Allowing Annuities to Aged Persons owe in Prosperity, from all

Parts of the United Kingdom.
Founded A.D. 1827.
Supported by Voluntary Contributions.
PATRONS. •

Her Most Gracious Majesty The QUEEN, and his Royal Highness

PRINCE ALBERT, K.G.
Persons desirous of becoming Candidates at the next Election are
requested to apply for the Forms of Recommehdation, as they must
be returned to the Office, duly filled up, on:or before the 30th instant.
The Committee earnestly solicit Contributions to enable them to
extend the usefulness of this important Charity.
STEPHEN J. ALDRICH, Secretary.
Society's Offices, ISA, Basinghail-street, Oct. 1, 1849.

ARCHITECTS', BUILDERS', and
GENERAL FIRE AND LIFE INSURANCE COMPANY,
G 9, Lombard-street, London.
CRAIRMIN—SYDNEY SMIRKE, Esq., A.R.A.
The rates for both Fire and Life Insurances are as low as can
With safety be taken. Those for Life Insurance may be paid
either yearly, half-yearly, or quarterly; one-half the annual pre-
mium may be left unpaid for seven years, or one-third to the sad
of life. Thus large sums may be insured at the smallest present
outlay.
Prospectuses, Forms of Proposals, &c,, may be had at the Office,
69, Lombard-street, er of the agents.

JOHN REDDISH, Manager.

ROYAL, FARMERS' and GENERAL, FIRE
and LIFE INSURANCE INSTITUTION.
Offices, Strand, London.
Capital, 500,f00'.
Empowered by Special Act of Parliament.
Every species of Life Insurance effected. Low Rates of Premium.
The usual Commission to Solicitors.
Fire Insurance of every description effected at moderate Premiums.
The Renewal Receipts for Premiums on Policies falling due at Mi-
chaelmas are now ready at the Head Office, or in the hands of the
Agents in the country, and should be taken up on or before the 14th
day of October, 1849, when the fifteen days allowed by this Office
over and above the time for which they are insured, wlIl expire.
Prospectuses and every information may be obtailed of the Agents,
or at the Head Office.

WM. SHAW, Managing Director.

LUCRATIVE INVESTMENT,

ItOYAL SUR.RE -ZooIOGICAL
GARDENS.
This popular and profitable place of amusement will be disposed of,
if an eligible offer be made, the present proprietor being desirous of
retiring.

Patties wishing to purchase may apply to James Coppock, Esq.,
,8, Parliament-street.

BANVARD'S true original PAINTING of the
MISSISSIPPI and MISSOURI (RIVERS, exhibited by com-
mand of her Majesty the Queen, and H.R.H. Prince Albert, and
Royal Family, at Windsor Castlt. NOW OPEN, at the EGYPTIAN
HILL, PICCADILLY, every Morning, at Half-past Two, Even-
ins, at Half-past Seven. _ _

Admission—Lower Seats, 25.; Gallery, Is.
" That there was any other original painting Of these rivers Is an,
impudent Imposture."7Loulatlie Democrat.