GREENOCK PUBLIC LIBRARIES ttt REFERENCE DEPARTMENT Digitized by the Internet Archive in 2011 with funding from National Library of Scotland http://www.archive.org/details/postofficegreeno189192uns N ORTH B RITISH AND M ERCANTILE INSURANCE COMPANY. ESTABLISHED 1809. Iitccpvi>oratcti bj) jKojiiil Shatter >tni> ^Special guts »( parliament. FIRE-LIFE-ANNUITI ES. Total Assets, - - - - £10,439,944 Total Income for 1890, - - 2,487,839 THE Funds of the Life Department are not liable for Obligations under the Fire Department, nor are the Funds of the Fire Department liable for Obligations under the Life Department. In this Company, therefore, the Investments for the Life Department are kept entirely separate from those of the Fire Department, as set forth in the Balance Sheet. GLASGOW BRANCH OFFICE— 102 St Vincent Street LOCAL BOARD OF DIRECTORS. Sir Charles Tennant, Bart., of The Glen, Chairman. James Graham, Esq., LL.D., Writer. The Rt. Hon. The Earl of Glasgow, Robert Gourlay, Esq., Manager Bank Kelburne Castle. of Scotland. James L. Mitchell, Esq., Merchant. I G. W. Snodgrass, Esq., J. P. Local Manager— D. L. Laiijlaw. Local Secretary— John T. Fyfe. LIFE DEPARTMENT. IMPORTANT FEATURES. All Bonuses now vest on Declaration, while, in the event of a claim arising under a participating policy even before a Declaration of Bonus, the usual intermediate Bonus will be paid. The period during which a lapsed policy may be revived is extended to one year, and the fine payable on revival is much reduced. The Surrender Value of a lapsed policy is now held at the credit of the assured during the extended period of ten years; and during that period the option is allowed of taking a paid-up policy calculated on very favourable terms. The Suicide Clause is abolished. The form of policy has been shortened and simplified, so that the true meaning of the con- tract may be readily ascertained. Claims paid immediatel)' on Proof of Death and Title. Premiums adjusted to each Half-year of Age. Minimum Surrender Values fixed. Policy not forfeited by error in Proposal Papers, unless accompanied by fraud. General freedom of policies from restriction in Residence, Occupation, and Travel. ANNUITY BRANCH. ANNUITIES (Immediate, Contingent, or Deferred) are granted on favourable terms. FIRE DEPARTMENT. Property of nearly every description Insured at Home or Abroad at the Lowest Rates of Premium corresponding to the risk. Losses settled with Promptitude and Liberality. PROSPECTUSES AND EVERY INFORMATION MAY BE HAD AT THE CHIEF OFFICES, BRANCHES, OR AGENCIES. Chief Offices— EDINBURGH—64 Princes Street LONDON—61 Threadneedle Street LONDON AND LANCASHIRE FIRE INSURANCE COMPANY, (Established 1862.) HEAD OFFICE, LIVERPOOL. SCOTTISH BRANCH—32 ROYAL EXCHANGE SQUARE, CLASCOW. DIRECTORS, JAMES BAIN, Esq. (Bank of Scotland, Glasgow). JAMES BOYD, Esq. (J. & J. Boyd & Miller, Writers, Glasgow). ROBERT KERR, Esq. (John Kerr & Co., Greenock). J. C. MITCHELL, Esq. (Mitchells, Johnston & Co., Writers, Glasgow). D. FORBES DALLAS, Esq. (Pringle, Dallas & Co., W.S., Edinburgh). Local Manager—ARCHIBALD BLAIR. Manager and Secretary of the Company—CHAS. G. FOTHERG'ILL. FINANCIAL POSITION. Capital (fully subscribed), ^"1,852,000 o o Of which there is paid up, ....'. 185,200 o o Reserve Funds (exclusive of Capital), . 622,026 o o FIRE INSURANCES granted upon almost every descrip- tion of property at home and abroad. SURVEYS made and Rates quoted without trouble or expense to Proposers. CLAIMS are met with Promptitude and Liberality. TRANSFER OF POLICIES. — No expense is incurred in the Transfer of Policies from other Offices to this Company. THE COMPANY DOES A FIRE BUSINESS ONLY. Having no Life Business, the Funds can only be used for Fire Losses. NOT BEING A MUTUAL COMPANY, THE POLICY HOLDERS INCUR NO LIABILITY. The Directors invite Applications for Agencies in Towns and Districts where the Company is not fully represented, and are also open to receive applications from those at present representitig Life Co?npanies only. NATIONAL GUARANTEE AND SURETYSHIP ASSOCIATION, LIMITED. (Established 1863.) SUBSCRIBED CAPITAL, £500,000 INVESTED FUNDS, £80,000. Head Office—67 George Street, Edinburgh. DIRECTORS. William Smith, LL.D., F.I. A., Chairman. Currie, Esq., Shipowner. George Barclay, Esq. I James Julius H. Beilby, Esq. James Mylne, Esq., W.S. Robert Stewart, Esq. of Kinlochmoidart. Tohn Cook Esq., W.S. I Manager -GEORGE TODD CHIENE, C.A. Securities for Officers of Government, Banks, Insurance Companies, Travellers, Clerks, and others. and other Public Offices ; Collectors, Cash Bonus to Policyholders of from 15 to 50 per cent, on Premiums of Policies three years old and upwards. Claims payable immediately on Admission. Fidelity Guarantee business alone transacted. AGENTS IN GREENOCK.I^O.Lgx^^Eaj^Brea^^^^ ENGLISH AND SCOTTISH LAW LIFE ASSURANCE ASSOCIATION, 120 Princes Street, EDINBURGH. | 12 Waterloo Place, LONDON. Established 1839. SUBSCRIBED CAPITAL—ONE MILLION. Claims Paid, £2,800,000. | Invested Funds, £1,710,000. WHOLE-TERM and ENDOWMENT ASSURANCES, with or without participa- tion in Profits, at Economical Rates, and with Non- Forfeiture Privileges. "DOUBLE BENEFIT" POLICIES, the Sum Assured being payable (1) at Death, before attaining a Specified Age, or on attaining that age; and (2) again at Death thereafter. NAVAL & MILITARY RISKS, including War License, at Moderate Premiums. NINE-TENTHS of PROFITS belong to the Assured. AT THE NINTH DIVISION OF PROFITS AT CHRISTMAS, 1890, Bonus Additions were declared at the Increased Rate of £2 per cent. per Annum on both Whole Term and Endowment Assurances ; with sub- stantial INTERIM BONUS thereafter. ANNUITIES granted on favourable terms. LOANS granted on Approved Securities in connection with Life Assurance. Glasgow Branch— 10 Gordon Street: Charles H. Barclay, Secretary. Sgents in ©reenocfe— James W. Turner, Writer, 17 West Blackhall Street. Wm. Lamont, 16 Palmerston Buildings. J. C. Smith, Macdonald & Crawford, Solicitors, 26 Hamilton Street. Fyfe & Murray, Solicitors, 4 Argyle Street. J. Wallace Anderson, House Factor, 19 Cross-shore Street. Hgent in fl>ort=(Blasgow— Robert M'Morran, Accountant, Royal Bank. — ALLIANCE ASSURANCE COMPANY. (Established 1824). Capital, £5,000,000. GLASGOW BOARD. JAMES AIKEN, Esq. (Messrs Burns, Aiken & Co.). ALEXANDER DREW, Esq. (Messrs Alex. Drew & Sons). JAMES FINLAYSON, Esq. (Messrs Finlayson, Bousfield & Co.). LEONARD GOW, Esq., Shipowner. JOHN GRAHAM, Esq., C.A. THOMAS RUSSELL, Esq. of Ascog, Bute. Fire and Life Insurances May be effected on the most favourable terms, on application to any of the Local Agents, or to W. W. W. RE ID, Manager, 151 WEST GEORGE ST., GLASGOW. THE MANCHESTER FIRE ASSURANCE COMPANY (Established 1824). O^IPIET^Ii, 361,500,000. CHIEF OFFICES- STREET, MANCHESTER. CHEAPSIDE, LONDON, E.C. KING | 96 Head Office for Scotland-16 ST. VINCENT PLACE, GLASGOW, directors. Chairman-JAMES CHADWICK, Esq. (J. & N. Philips & Co.) Deputy-Chairman—THOMAS BARHAM FOSTER, Esq. G. Reynolds Davies, Esq. I C. W. Farbridge, Esq. I Alfred Neild, Esq. F. Salis Schwabe, Esq. Esq. | Charles T. Drabble, J. Hutchinson, Esq. | J. B. MOFFAT, Esq., Manager and Secretary, Manchester. INSURANCES granted at Moderate Rates. No Charge made for new Policies. INSURANCES effected in Foreign Countries and in the Colonies as well as throughout Great Britain. LOSSES caused by Explosion of Gas, and also Losses occasioned by Lightning (whether by Fire or otherwise) are made good without extra charge. Prospectuses, Forms of Proposal, and every information may be obtained on application to any of the following Agents in Greenock : Messrs Alex. Agnew & Son, 15 Cross- Mr J. Tannahill, Commercial Bank Shore Street. (West-end). Mr James Nicoll, Cat heart St. Messrs J. M. Macfarlane & Co., Wallace Buildings. or to JAMES GLEN, Resident Secretary, 16 St. Vincent Place, Glasgow. — CALEDONIAN PLATE GLASS INSURANCE COMPANY, LTD. Established iSyi under the Co?npanies' Acts, 1862, 1867. REGISTERED CAPITAL, £20,000. Head Office : 144 St. Vincent St., Glasgow. Bankers—Royal Bank of Scotland, St. Vincent Street. Solicitors—Wright, Johnston, Mackenzie & Roxburgh, Glasgow. Auditor—JAMES Paterson, C.A., 92 Bath Street, Glasgow. Manager—-W. M. M'Culloch. Over £100,000 of Glass has been replaced by this Company for Breakages arising from Storms, Stone- Throwing, Malice, Mischief, and other innumerable causes. All Glass Insured against every risk, except Fire-heat, at Moderate Rates, with prompt replacement of Breakages. Immediate Notice of all Damages should be sent to the Office or Agents for instant attention. Telegraph "Equity, Glasgow." Telephone No.~ UNION FIRE and LIFE SOCIETY. Established in the reign of Queen Anne, A.D., 1714. FIRE FUNDS . Exceed £770,000 LIFE FUNDS . Exceed £1, 000,000 TOTAL FUNDS, . Exceed £2,200,000 ALL RISKS ACCEPTED AT LOWEST RATES. LARGE BONUSES ON LIFE POLICIES. GLASGOW OFFICE — 144 St. VINCENT STREET. W. M. M'CULLOCH, Local Manager. Application for Agencies Invited. Telegraph—" Equity, Glasgow." Telephone No. COCKBURN'STSK* 33 Cathcart Street, Greenock. (JOHN FERGUSON, Manager). ST. MIRREN STREET, CROSS, PAISLEY, and 23 WEST HOWARD STREET, GLASGOW. STORES AND WAREHOUSE: 54 ST. ENOCH SQUARE. 0) o o 0) — 2. +* o 0) - oq II PORESTDRUGS O « Iatenimeoicines 3 ? 3 (D »ft%T17SM@) 3 u £ ~ a €cKBURNs 3 a) a 23.H0WARDST. o 5° Sice ii st fbIS Established in 1879 f°r the Preparation and Supply of PURE DRUGS, CHEMICALS, TOILET, SURGICAL, AGRICULTURAL AND PROPRIETARY REQUISITES, AT LOWEST WHOLESALE RATES. SPECIALLY LOW RATES