Head Office-79, PALL MALL, LONDON, S.W.

City Office-SOUTH SEA HOUSE, THREADNEEDLE STREET, E.C.

Sir GEORGE RUSSELL, Bart., M.P., Chairman.
CHARLES BISCHOFF, Esq., Deputy-Chairman.

GEORGE BRACKENBURY, Esq., C.M.G.
The Rt. Hon. LORD COTTESLOE.
The Rt. Hon. Sir WM. HART DYKE, Bart.,M.P.
The Rt. Hon. Sir J. FERGUSSON, Bart.,
M.P., G.C.S.I.

RICHARD W. E. MIDDLETON, Esq.
HENRY PAULL, Esq.

C. A. LOCKHART ROBERTSON, M.D., F.R.C.P.
HENRY ROSE, Esq.

Colonel the Hon. W. P. M. C. TALBOT.

BY THE

STRINGENT TEST OF THE Hm. TABLE OF MORTALITY,
WITH INTEREST AT 3 PER CENT.

The Assurance Fund, invested upon First Class Securities, is now equal to 143 times the Annual Premiums receivable,

SPECIAL RATES for the Navy and for Officers of Mercantile Marine and Others.

FIXED TERM (Leasehold Redemption) ASSURANCES effected, with Liberal Surrender Value.

ACTIVE AGENTS WANTED IN TOWN AND COUNTRY.

GEORGE HUMPHREYS,
Actuary and Secretary.

Largest Selection of PHOTOGRAPHIC APPARATUS in the World. The Best Value. Before. buying Opera or Field Glasses, Microscopes, or other

Optical Instruments,

WRITE FOR CATALOGUE, WHICH IS SENT POST FREE.

"OPTIMUS" PHOTOGRAPHIC OUTFIT

Rayment's Wide Angle, Long Focus, Rack Camera,
Three Double Dark Slides, "Optimus" Rapid Rectilinear
Lens, Instantaneous Shutter, Tripod, and best Water-
proof Case.

FOR PLATES 41 by 31,

£10

61 by 41,
£12

81 by 61,
£15

10 by 8, 12 by 10,
£20 £25

15 by 12 inches £30.

The Lens

Each Lantern is efficient for Drawing-room and Lecture Hall Exhibitions. gives crisp definition, being a superior Achromatic Photographic Combination, with Rack and Pinion, Compound Condenser of 4 inches diameter, 3-wick Refulgent Lamp.

Japanned Metal, Complete
in Box
Russian Iron Body, Brass
Sliding Tubes

£ s. d.

1 10 0

250

Russian Iron Body, Perfor-
ated Tubes

Mahogany Outside Body, Pan-
elled Door, Brass Stages,
and Sliding Tubes

Same as above, with 3-draw

2 10 0

4 20

tube and long baseboard 550 "OPTIMUS" ENLARGING APPARATUS. Constructed ON THE MOST APPROVED Scientific Principles.

PERKEN, SON, & RAYMENT, OXFORD GARDEN LONDON.

141 STREET,

NORTH BRITISH AND MERCANTILE

INSURANCE COMPANY.

FIRE, LIFE, AND ANNUITIES.

Incorporated by Royal Charter and Special Acts of Parliament.
ESTABLISHED 1809.

TOTAL ASSETS at 31st December, 1892, £11,141,294.

I. Authorised Capital

Subscribed Capital

Paid-up Capital

II. Fire Funds-Reserves (including Balance of Profit and Loss Account)
III. Life Funds-Accumulated Fund of the Life Branch £6,300,105 6 9
Annuity Branch 1,474,750 2 2

From Fire Department:

£3,000,000 00
2,750,000 0 0

Revenue for the Year 1892.

Net Premiums, Interest, &c.

From Life Department:

Net Premiums, Interest, &c.
Annuity Premiums (including £280,954 38. Od.

by single payments) and Interest...

The Accumulated Funds of the Life Department are free from liability in respect of the Fire Department, and in like manner the Accumulated Funds of the Fire Department are free from liability in respect of the Life Department.

Chairman of the General Court: The Rt. Hon. SIR MATTHEW WHITE RIDLEY, BT., M.P,

Chairman: BARON SCHRÖDER.
CHARLES MORRISON, Esq.
GEORGE GARDEN NICOL, Esq.
ALEX. H. CAMPBELL, Esq.
JOHN SANDERSON, Esq.

QUINTIN HOGG, Esq.

Hon. C. W. MILLS.

Hon. C. N. LAWRENCE.

ALEX. D. KLEINWORT, Esq.
GEO. E. SCARAMANGA, Esq.
CHAS. J. C. SCOTT, Esq.

Manager of Fire Department: GEORGE HENRY BURNETT. Manager of Life Department and Actuary: HENRY COCKBURN. Secretary: F.W.LANCE. Foreign Sub-Managers: PHILIP WINSOR and E. A. DE PAIVA. [Medical Officers: HERMANN WEBER, M.D., and H. PORT, M.D. Auditor: JAMES HALDANE, Chartered Accountant. Edinburgh Directors. FREDERICK PITMAN, Esq. CHARLES GAIRDNER, Esq. RALPH DUNDAS, Esq. JOHNWHARTON TOD, Esq. CHARLES C. MACONOCHIE, Esq.

J. F. WALKER-DRUMMOND, Esq.
DAVID B. WAUCHOPE, Esq.
Sir JAMES GARDINER BAIRD, Bt.
GEORGE AULDJO JAMIESON, Esq.

| Sir J. H. GIBSON-CRAIG, Bt.
Right Hon. Earl of ELGIN,
Sir THOMAS CLARK, Bart.
CHARLES B. LOGAN, Esq.

Manager: A. GILLIES SMITH, F.R.S. E. | Medical Officer: J.PLAYFAIR, M.D., F.R.C.P.E.
Secretary: PHILIP R. D. MACLAGAN.
Actuary: THOMAS WALLACE.

LIFE

Solicitors: J. & F. ANDERSON, W.S.
Auditor: JAMES HALDANE, Chart. Account.
DEPARTMENT.

The principles on which this Company was founded, and on which it continues to act, combine the system of Mutual Assurance with the safety of a large Protecting Capital and Accumulated Funds.

Ninety per Cent. of the Life Assurance Profits is divided among the Assurers on the Participating Scale.

The Profits are divided every five years. Next division of Profits, 31st December, 1895.
Cheap and simple arrangements for Naval and Military Officers.

Annuities of all kinds are granted, and the rates fixed on the most favourable terms.

FIRE DEPARTMENT.

Property of nearly every description, at Home and Abroad, insured at the lowest rate of premium corresponding to the risk.

Net Fire Premiums for 1892 amounted to £1,467,318 128. 4d.

Prospectuses and every information can be obtained at the CHIEF OFFICES:

LONDON-61 THREADNEEDLE STREET, E.C.

EDINBURGH-64 PRINCES STREET.

LONDON (West End Branch)-8 WATERLOO PLACE, S.W.

ADDITIONAL FEATURES

The New

The EDINBURGH LIFE

1823 Assurance Company

EDINBURGH, 22 George Street

London Office, 11 King William Street, E.C.

PROSPECTUS ON APPLICATION

178th YEAR.

WESTMINSTER

FIRE OFFICE.

FOUNDED A.D. 1717.

CHIEF OFFICES:

KING STREET, COVENT GARDEN,

LONDON, W.C.

CITY OFFICE ...5 KING WILLIAM ST. E.C.

BIRMINGHAM

GLASGOW.

...

LEEDS

LIVERPOOL

...

BRANCHES :

...35 COLMORE ROW.

...SAINT VINCENT PLACE.

...28 EAST PARADE.

...6 CHAPEL STREET.

WESTMINSTER BUILD

MANCHESTER ... INGS, BROWN STREET.

RATES OF PREMIUM MODERATE. LOSSES PROMPTLY AND LIBERALLY

SETTLED.

Forms of Proposal and every information on application at the Chief Offices or Branches.

CHARLES ROUSE BROWNE,

Secretary.

W. COUTTS FYFE,
Assistant Secretary.