MR O'SULLIVAN'S REPORT

The following is tho conclusion of the re-/ port drawn up by Mr V. E. Rice, secretary of the Board of Education, in reply to Mr O'Sullivan's report. Tho first portion of Mr Rice's reply appeared on page 8 last Might. The following only, appeared in" our second edition.:— ■

" Teachers' Reports :" The reports and inventories sent b}4 teachers on. taking charge of schools have been, laid before the Inspector of the districts, in which those schools are situated; and the same is dono with' requisitions from teachers for school furniture anil appliances. The-reportsof,head teachers,.on the attend ance, diligence, and teaching capacity of their assistants and-pupil teachers, are ex amined in detail by a Committee, of t lie whole Board. They arc at all times acces sible in ex officio, and their perusal has never been denied to the Inspectors. ''Instructions are issued concerning pupil teachers. Aboub these the Inspectors are not consulted; they aro not even in formed of them. They know nothing of them till they see them in the schools." These instructions uro printed circulars issued by order of the Board. (Copies, nppoifded); ■ They merely ii'Ot peat directions already contained in regulations which were drawn up by the Senior Inspector, add rndopted<by, tho Board:on his recommendation. Whenever a circular is issued either to teachers,.or to school matters of any kind, copies are im mediately placed in tho Inspector's -office.! "Retention of inefficient teachers in charge of schools." Threo years ago, the Inspector was requested by the Board to furnish from time to time " a list of all schools whose, standard examinations -ap peared to bo unsatisfactory, with> a re port: in- ; oaoh case ,upon the-, causes, and a-,.suggestion ns to what nctiou, if any, should be taken." Of the teachers so, reported by the Inspectors since that time, twenby-bwo (22) have beon dispensed with, twelve '(12) have re signed.: and twenty-six (2(5). others have been warned. The number of inefficient teachers, is being gradually reduced. "The Building of Schools. <' If, the Inspector recommends that a school, should be builb the Board gives effect to his recommendation, either immediately, or as soon afterwards as funds are available.. If the inspector, on visiting:the district,, does not. consider it necessary that a school should be built, the school is not builb.

Inspector, Goodwin, whoso report., is dated February 21 sb, 1887, : and who examined 10,67;") pupils,, reports inter alia, that tho, passing of 4,643 child ren oub of 5,750, or about 80 per cent.,, "may, I-think, bo deemed satis factory. As far as I havo been able to judge, I believe that our schools aro doing real work, that the teaching is good in quality, and tends to deyelopi.he minds of our., children. I trust lam nob taking too sanguine a view but it must.be remembered that I had no means of comparing tho work in our schools with that in any other edu cational district. .. v;

Discussion at the Board.

Tho memorandum drawn up by Mr Rice, Secretary of the Education Board , in rela tion to the Senior Inspector's report, and published in our. last issue, wns.onjy. read at the meeting of the Board yesterday after noon after'some resistance from Messrs Upton andTheo. Cooper.. In their opinion the memo, should be withheld until the, Inspector had had an opportunity of backing up his statements wibh bhe necessary evidence in.support of them.

This opposition, however, was overruled, and the memo, was read:, the Chairman hav ing previously stated that it was prepared by the Secretary ab ,\)ls ,j,'oquesb,4u-.;;lilswcr to. the Inspector's statements. In reply to Mr Upton, tho .Secretary said he had had the memo, printed at blie oxpeh.se of the Board.

Mi'Upton considered thisa,mpstunwarran- : ted Step on the partof bhe Secretary. A state ment like tlu't.inemo. should only have been drawn up at tho express direction of the Board, and if presented, by, the Secretary at all ib should only have been in writing. It was an. unwarranted step to put, the Board to the expense of the printing of suclr a long report The Chairman's state ment bhab ib had been prepared ab his requesb did nob tally with the fact that not five minutes since tho Secretary had asked permission, bo read ib-as-if from himself. Whose statement was it ?—the Chairman's or the Secretary's ? Was ib bhe Secretary's defence, or..whose was ib? A more, useless waste of printing, ho had nob listened bo. since he. had sab ab the Board. He dared say it might turn out to be useful, but at the present time it was .usejlossj be cause unauthenticated. The Secretary was ati-liberty- to prime—he begged pardon — (laughber) to posfa up bhe Chairman as much as,he -pleased, bub he had no right to pre pare such a report without tbe,direction of the Board. Ho,objected still morc'strongly toj',.its : being, forwarded lon to. Wellington wibh bhe authority of the Board. To snow how utterly fallacious it was he- migbt. point out that it placed the greatest- re liance upon percentages of passes, while Mi-Reti-ie/ono of tho ablest of school in spectors in the, colonj. in his report to the Otago Board said that,'. '' To anyone but" an expert the percentage of,,passes.: is alinoat certain to bo misleading. , Contrary bo. what, might bo,expected from blip .names, bhe percentage of passes stands in no,direct relation, to the percentage of failures, but is, very largely- influenced by a variable quantity, viz., the, numbor :of pupils; not presented in standards, which is -wholly ignored in determining the percentage of failures. To all outside the ranks of teachers,and inspectors, thq connection, be tween VbhesO . percentages , must", appear wholly mysterious." Therefore to laymen— such; as' their Secretary and, themselves-^ these,; .pereentaiges • must be like,so h'rifoV Greek, and it required an expert to deal with them. He regretted very, much that tho Secretary's statement had'been, read out to,them,. and he thought the Board had lost in dignityr as a consequence. Mr Goldie objected to the stand taken iip by-Mr Upton'. .' Tho statement.referred'tp; would have hadtp be .read at some time or another, and ib.wiis just as well' read now as heroafter.. 7__iv;Upton had; said.tliat these passes meant nothing. ■ • !'; !- Mr Upton v T did nob. I merely, quoted Mr.Petrie; iy "... ..,:■. . ' ■ '- •"' "'

Mr Goldie : - Yet- they had been. accus tomed to: judge of the'fitness of teachers'by referencetp the passes* and;'Mr-Upton him self had always been"one of '.bho'^sb'to j.akp exception bo any teacher who' had''nob ob tained 'a fair■ proportion.' of > passes. Mr Goodwin; one of their inspectors,, and therefore an expert, whose report, ho hold, in his hand, eyideiitlyconsideretl the passes a good criterion of success, for he quoted the poteentage^pf.p^ijj^s as'proof: Of the sabisfucY tory condition of thb; schooisiie had in-, spected. • Mr.'GpMwin's.\'iew.\yas, therefore opposed to, that .of ,'lVIr Petrie'. '•■ In fact, 'every ono of their inspectora. judged of thi. efTicicncy.olteaeli.ers- by the percentage of passes,, and the; Board had d&miasbd. teach ers again and again. becauso4liG inspectors' w.rp , not, Baiisiied with--the nuiMber of. passes;:obtained .ia .their ~ lit was surprised that Mr Upton should have taken rt*cll a stand? because 'ho "had' been ono. who advocated the -'dismissal __' teachers for-' not- haying-passed a siiilicieiibly' large number-.of their pupila. . . . ,r..5..-r„°>-J Mr Cooper mov^d, the lUrpectbr's, report should be at one. forwarded tp Wellington, ''hO-accompuhig^^y-. tUo- Sytrb..* tu.y-'s:memorandum...'-.,, ■Het'-eonsiilcred'ib' toibo tho'duby.ot'.tho Board -tp -forward it v,forthwith,:; W order .thW^t' 'fchould bo'piVbfehod. ,by,tM Gpy% i^K| ffitfg, pI)V annual reportt&othp. ij^eijtyjs ;_'(,.

would be wrong for tho Board to delay its publication simply because Mr O'Sullivan had seen fit to.pass strictures'-upon the mode of conducting .educational matters in-this district. It should go forth to the Govern ment as the report of tho Chief; Inspector, ..unaccompanied by any contrary or answer ing report from,the secretary or any other official, or even from-the Board itself. The Board-was, not on its, trial, at tho present time, and if Mr O'Sullivan had ohoscn to give his views on edu cational matters in this district he had only done his duty. He agreed-with Mr Upton in thinking that Mr Rice's answer to. the. report should not have been road. In having it. rend, the-Board • had taken up- an altogether- wrong position. The Inspector, in going outside the mere details of Ins work, and giving Ins own personal views on educational matters, had simply followed the system adopted by other inspectors in Otago and elsewhere.. Tin; only objection found with tho re port was that it was couched, in somewhat vigorous language. Now, how ever, that the remarks considered per sonally obnoxious had been excised, there whs nothing in tho report which reflected upon any person. Taken in its narrowest sqnsc,, ib was a report against tho system and not against tho persons connected with the system.. They could nob dispute the abatement that the services of teachers admirably littod for their work had been dispensed with, and that others- had been appointed who wero not competent for .tho work. Thoy could nob deny the fact that bhoy did nob consult theinspdetors about, the. appointment of. teachers. The inspectors were nob treated as persons having an expert knowledge. Then, again, Mr O'Sullivan was nob alone in his remonstrance on these points. Mr Petrie, the Otago Inspector ' already re ferred to, said; that incompetent, teachers should bo stopped at the threshold, and not kept in the service of the Board ;■ also, that testimoninlsof iithess obtained only from the inspectors should be expected from candidates for tlio position of touchers, yet that in Dune-din no such testimonial hud ever been asked from the inspectors. Here it was the custom of tho Board if a man came along with a recommendation from his parson or from his noxt door neighbour,and if ho were a "very njco young man," to use the Chairman's expression, tp at once appoint him tp a school. But. if he were an unprepossessing individual, and his, testimonials were nob altogether satisfactory, ids services wero declined, phi nob one ; case out of fifty was the applicant turned over to the Inspector. Only the other day a Ger man gentleman had been.chucked into one of the city schools on the strength of a note from Dr. Hector tha.b ho had been engaged i,j examining tho stones and fauna of tho district, Ho was never examined as to his educational abilities.

The Chairman remarked that Mr O'Sulli van had seen tho gentleman referred to, and liad spoken very favourably of him. Mr Cooper, aftor remarking that if so this wns.the, exception which proved tho rulo, concluded by saying that if the report were not forwarded at once tho Board would commit a grave error and would be casting an undeserved slight upon. Mr O'Sullivan. Mr Lennox was very much astonished to hear Mr Cooper traverse the report in tho way he had done, especially in view of the fnet th .t.lnsfc week ho admitted that ib was written while Mr O'Sullivan was labouring Under a lib of bile, [Mr Cooper: Bub the bile lias now boon taken oub of it.] lit.. Was a most intemperate report, and the Chairman had' acted wisely in having its statements inquired into before sending it on to Wellington. For instance, what value could attach to Mr O'Sullivan'a remarks upon the reading of pupils in the public schools, seeing that he was as deaf as a cloor-post.and that ib would require a boy with the voice of a Boanorges to make himself heard by^lYi.y O.'SuHivan. Mr O'Sullivan's opinion upon the reading of pupils was about as much worth as a deaf man's opinion of a spoken oration. For his own part-the cause'of education in this district was as near to his heart as it was to Mr O'Sullivnn's, and ,ho had no hesitation whatever in challenging tho Inspector's 8 a'cmcnb that ib was a crumbling system, or that' ib was being incihcienbly carried on. He had the greatest confidence in tho Board's staff of teachers, and was convinced that thoy were both able and painstaking in tho discharge of their duties. >

Mr Goldie said ,that if anyone was to blame for delaying the despatch of the In spector's report, to Wellington ib was Mr Cooper himself, for ib was upon his motion last week that it was referred back to Mr O'Sullivan. *Mr Goldie went on to argue ;tliat it. was,not always practicable to con sult Mr O'Sullivan. as to the apppijibmeritof teachers, as he was very frequently away from Auckland on official duty, and thab the Board followed a far more satisfactory 'system'in "placing probationers under the Head-masters' of city schools, upon whoso periodical reports the Board acted, either in , dismissing or appointing. The reports ol theso Head-masters were more likely to guide the Board to, a wise choice than the opinion of any...one official.. This view was ' strengthened by the fact that, of .30 teachers discharged: lately 26 had been engaged on Mr O'Sullivan's advice or recommendation. After charging the Inspector with inconsistency in romonstrat ing-againsb bhe dismissal of a teacher who had .repeatedly/ failed to pass examinations, while at the same time he complained of the retention of illiterate teachers, Mr Goldie said he considered it unwise to go into the matter at the present tiine.u.nd bhab he himself should nob have done so had Mr Cooper nob seb tho example. IMr J. M.„ Clark supported Mr Cooper's motion for the despatch of the Inspector' 3 report to Wellington, unaccompanied by the, Secretary's memorandum. jln . that memorandum tho .Secretary referred merely ..to instances mentioned in tho'lnspector's report; and bheso; he considered to be of very small iiiipbrti'n'te indeed as com pared with,' tho Inspector's charge, that bhe.^action . baken by bhe Board had the effect of degrading tbe position of the Inspector. As, regarded bhe particular instances which were given, bhey mighb lqe_. eibh.er'righb or wrong, without albering the, fact Vthab the. Board bad been pursuing a wrong course, and that the efficiency of the educational system in thi...district, had been .sn.ff.fing i;VJoovusequenoe,, ■'.'".' - ilr.J, \V. .Carr repmrKed that Mr, G,la,vlc j had always been an; opponent of the present system of - things-,, arid had resisted the .changes which nad brought ib about.,, Mr. Coojifir,; howover, had been: with himself |a'|id' Mr' Goldie oh tho pfc.het side, bub he hud now deserted bhein. .' ■ Mi- Cooper, denied.the, charge..of.incon sistency. It was true'that ho had voted •jwith Mr Goldie against. Mr^O'Sullivaii "occupying a seat atvbhq'Bqai'dand' taking fpjarb in the discussions,,bub he had never ■supported uu.y action, tending to the emas culating of any pf': t:h.q: inspectors, and to the treating of'them as gentlemen somewhat below the Secretary,. and,,somewhat übovp tjio'messenger. That wasj the, position of -which Mr.O'Suljivan now complained, ■ ! On'the motion being put, Mr Goldie said tjiat lie wouULupt.^akp the trouble to voto •against it, asH,hc,...ecrotai;y's.meinoranduin ,\yus bqund., tO;iind its vvay to AVol.lingbon, along with.theilnspector's report..,;

The motion .having: been put aud carried, sMr Copper, in rcfpr'eiJce, to Mr Goldie's,, last •remark;: proceeded to. poj.nb:. out that' the ■hpoj^pn \vjis nob.tp bo evaded bytiipLispqcr tpr'a,', j'pport, bqing ppstpd.in. one' ,c,Uv^lppp and the Secretary's, memorandum in anothci;, bo' bo forwarded by. blip ...same -mail. Tl(o iuotion c^pqe^sly (o'ljba^e; the,,(o£yy3.idirig iof tho memorandum..

1 j Atjln,s stag^'Mr GQJdiQ.proflneedija.ep.py of tho Stau,,and.: pointing triumphantly to the S-crctary _ mcmoraiidum,-'p.ublj^hed'rin iti, 'eajd/'" ty'd [0$ jjo y$L Ml- ' Cooper, 'yoti

can't prevent the Stab from finding its way to Wellington," Mr Cooper incontinently threw up the sponge, resumed his seat, and the discus sion abruptly ended.

BOARD OF EDUCATION.

The- weekly meeting was- held yestorday, afternoon. Present : Messrs S. Luke (Chairman), Cavr, Goldie, Upton, Lennox, Theo. Cooper, and J. M. Clark, i.eav'e of absence was granted Messrs Udy and Moat. Tub Ch.uruan's Report.-The Chair man reported that the list of books for the Onehunga school library had been ap proved. The following resignations had been received : Mrs Flora McLean. teacher, Whardline; Miss Margaret J. Forshaw, pupil teacher, Mangaro; Mrs S. Thomas, sewing teacher, Mangawai Beach ; and Miss E. A. Nobbs, pro bationer, Helonsville, tho latter to leave at the end of May. The report was adopted. Tbachkj-' Examination.—On this sub-, jecb the following letter was re ceived from Mr W. J. Habens, Under-Secretary for Education :-" I ftrn sorry that yoiir proposal to roverso the decision relating to tho timo of tho noxt examination cannot now be considered. The teachers' examination and the civil service examination are to be held together, and, with, respect to both, the announcement has been made so definitely that ib cannot woll bo withdrawn. You will remember bhab last year your Board called attention to tho in convenience arising from tho examination beginning a clay or two before tho closing of the schools."—lt was resolved to call the attention of Mr Moss, M.H.R., to tho matter.

Training College Visiting Committee, —This Committee reported that tho follow ing country teachers had beon granted ex emption from attendance at the training classes during the winter : —Fanny J. Mc- Keo, Drury ; Helena Lo Quesne, Pokeno Hill ; Mary Allen, Harrisville ; Florence M. Smith, Mount Eden ; also, P. Higginson, Ponsonby, in order to attend University lectures. Tho report, was adopted.

Wajkoa South. - The Committee recom mended the appointment of a competent female teacher to Ness Valley school a-J soon as possible. Agreed to. Yagcv's Cii.vk'l's of Temperance. Mr Upton advocated the purchase of sets of Yaggy's anatomical charts m preference to the introduction into tho schools of any temperance losson books. Ho believed that temperance was besb taught in its physio logical nnd not from its moral side, by impressing the ohildren with an exhibition of tho ruinous oflects upon the sys.om of excessive drinking. — Mr Thoo. Cooper suggested the post ponomont of tho matter for a fortnight. Ho believed that tho Tomporance Association intended to offer a contribution towards tho cost of supplying temperance losson books to the pubhcschools. Mr Ooldio thought the £40 proposed by tho Chairman to be voted in payment of teachers' University fees would bo better spent on temperance losson books..—The matter was then deferred for a fortnight City Ntout Schools.— Letter from City Schools Committee, forwarding suggestions re public night school,and enclosingn letter from a private gentleman offering an annual contribution bl £21) towards the mnintcu apec of the night school, besides ad vising the imposition of a small charge, say Gd per week. The letter con cluded us follows: - "I should bo glud to aid any teacher appointed to this work, by ad vice or information, as to the methods which I found best in dealing with evening classes of such mixed and varying character. My, first assistant would also aid in furthering ttiiii objeqb by giving occasional lectures ou elementary science as applied to laws of health, and on alcohol in relation to physi ology. Theso lectures could bo illustrated by diagrams and experiments by means of tho apparatus now in use in the schools. Such lectures could soarcoly fail to add to the interest of the school, and I have no doubt other teachers would also assist in various ways. In submitting this proposal I am desirous that my name should not be made public iii connection wibh the matter. I avail myself of the opportunity afforded, at a time when my follow-citizons de sire, in various ways and degrees, to commemorate tho progress of tho Brit ish nation under Pier Majesty tho Queen, to give a practical axpression to my sonse of worth in any station, and ab the same bime to recognise my long and happy connection with education in this part of her great empire." It waa resolved to thank tho City Schools Committee for their communication, the matter being re ferred to the Training College Visiting Com mittee.

Wkm.kslev - sthket. — The matter of fencing the playground was referred to Mr Allright for estimate of cost.. The Comvulsoiiy Clauses.—lt was re solved to order from the printer 1,000 forms of summons under tho compulsory clausos of the Act.

Devonport. — Application for new blinds, etc., referred to Mr Allright for estimate, Grafton Road.—Decided to connect with city water supply service East Tamaki.—As cost of enlarging school is estimated at £96, it was resolved to invite the Committee, to contribute £20.

Efsom. —Resolved to grant £5 worth of scoria ash.

Helknsvuxk.—Resolved to fence school ground; estimated cost £19. HkkkkiNo. — Resolved bhab plans bo pre pared for a school at this village settle ment. '

JHowick. — Resolved, that cpst of repairs to desks be taken from school fund.

; Mount Edkx. Application for further accommodation deferred. A complaint from J. G. Trcvithick re. detention of children after school hours was referred to tho Com mittee.

Point Chevalier.—Plans of school re ferred back to-Mr All right, tenders being in excess of estimate.

Teachers' University Fees. —The Chair man moved, " Thab tho resolution of bhe Board, dated 22nd April, 1887, declining to pay fees for the .students, of the Training College attending University lecturps, be res,cindcd,and that the,fees,.of snehsbudpnts he. paid by the Board as heretoforp."— After, considerable, discussion, it' was re solved, "Thab the University fees of the tjirep matriculated, students now ab.bhe, graining College be Lpaid by■.: bhe. Board for this term." The general question of tho payment of fees, was. referred to the Training College Committee to confer with, t|ie principal and report to the Board.

GOOD TEMPLAR ANNIVERSARY.

The anniversary of tho Excelsior Lbdgo, N.Z'.O.G.T., was hold in the Temporanco Hall on Wednesday evening last, a numerous audionco being present. In the., course of his opening remarks from tho chair, Mr David Goldie , said he attributed tho defeat of the temper ance party at, tho recent, cloctions prin cipally to tho fact that the publicans' party had nominally split up . their largo holdings into about fifteen lots in favour of; different parties, thereby obtain ing increased votes. This they were. pub, and' uMt was in volving - a great, deal, of. achli^i.Ojii.al work,, upon^.thp City. Council by forcing, Uipnv to , cpllcct rates, from .. /if teen Indi viduals instead of one, he a.iit\cip.a.tpd.,. that the Council would tako immediate action to stop "this kind of thing. The concert which followed was admirably ar ranged by Mr and %8. >A. Anderson, who

wero indefatigable in -their exertions to brino- about its successful? issue. The refreshments which followed having been served to the satisfaction of all and disposed of," arrangements wero made to proceed with tho. parlour games, but as they were in tho hands of young and inex perienced persons they were anything bub successful. Thoy did their best, however, and they will probably be better up in tho art of entertaining on futuro occasions. A dance, was' next attempted, bub this also was -marred by the difficulty 'in obtaining a pianist, and great delay occurred. The meeting was about to be closed when a lady kindly volun teered her services, and a spirited danco was maintained till'after midnight. The following concert and programme was given :—Overture, Miss Plummer ; " Only an Ivy Leaf," Mr Bell; ", Oh, Gladsome Songsters," Miss Shepherd ; " The Village Blacksmith," Mr Taylor; duet, "The Cana dian Boat,"Messrs Bell and Hodgson ; duet, " Fishermen," Mrs Johnson and Mr Taylor ; " Why- do Summer Roses Fade," Mr Hodg son ; "• Twickenham Ferry," Mrs Johnson; recitation, " Objections to Good Temp lars," Mrs A. Anderson ; "Tho Arab 3 Farewell to his Steed," Mr Sedgwick; duet, "List to tho Convent Bells," Misses Plummer and Shepherd. Also irresistably funny songs, by Mr Lillcy, Mrs Johnson and Mr Taylor wero deservedly encored. Mrs Bell and Miss Plummer ably presided at the piano aa accompanists.

THE WRECKS AT NAPIER.

Inquiry into tine Disaster.

[BY TELEGRAPH. -PRESS ASSOCIATION.]

Napier, this day. The inquest on Captain Setter, Waddell, and Bain concluded yesterday. The ver dict was " Death by accident, while endeav ouring to save life." The funerals took place in tho afternoon, and tho cortege was over a quarter of a mile long, as many' more people being collected at tho cemetery. Waddell's body was carried on tho fire engine, he having been a })rominent member of the Spit Brigade. Both lire brigades, the lire polico, and friendly societies turned out, all tho crew of tho Northumberland were also in the pro cossion. The funeral service? were con ducted by tho Bishop of Waiapii and Revs. Walsh and; Patterson. Tho service was read during a tremendous downpour of rain.

Tho offlcialinquiry into the wreck com menced yesterday, Captain Todd said that when tho pilot brought the Northumber land to hor moorings, ho (Todd) remarked that sho w;as nearer inshore than beforo. He said she was "A very little, but in a very good position, and had the samp draught of water as sho had in the old position." The pilot also remarked ho had some difficulty in picking up tho buoy, it was so dark. Wind settled inbo a fresh abeady breeze up bo midnight, veering to north east by east. Tho sea remained compara-. tively smooth during the whole of Monday. In the morning about nine o'clock tho sky had a dirty appearance ; braced tho yards, and let go the second port anchor, A fresh breeze was still blowing, and a high glass; paid out 43 fathoms on tho, port anchor, and let out 45 more fathoms on the starboard one. From, noon till dusk tho breeze freshened, and at ton p.m. was blowing a gale with heavy aqa. As tho vessel was straining at her starboard anchor, ordered tho second end' of tho coir ropo to be put on the starboard cable. Tho first end was lashed to where the anchor was let go ; lashed two parts of' tho Manilla rope on tho secoud part cabto as a spring. The vessel was riding very heavily, and shipping water over the forecastle. Tho galo and the sea still in creasing at threo a.m. on Tuisday, was afraid of tho,windlass breaking, and had tho wire hawser made fast from the mainm ast, and lashed to tho starboard cable abaft the springs ns a preventative ; got tho remainder of the jiorb cablo on deck, and secured that with two part.i of Manilla bo prop. Aboub half-paab ten bhe spa was .till becoming worse, and tho ship straining heavily on hor anchor. The carpenter re ported one of tho links of tho starboard cablo showing signs of breaking. Immediately ordoredthe other end of the steel hawser to be passed round tho withers, and secured to the cable before tho breaking line Beforo ib could be secured the cablo parted, a terrific sea breaking over the ship at tho' time. He then paid out the port cable to I'2o fathoms, and shifted tho coil springs over from the other sido and secured them on to the port sido ; then hoisted a signal of, distress, finding the ship dragging,, and pro ceeded as fast ns possible to get bhe third' bow anchor ready. As she dragged towards (the shore tho tide kept her broadside to the wind and sea. Ultimately she ceased drag ging and lay easier, although great seas woro sweeping hor decks from the weather sido. At half-past five p.m. tho third anchor was dropped on the starboard bow, with a sboel hawser attached, and this in its turn was shackled on to the remainder of the broken cable. The gale moderated during the evening, but about eleven p.m. felt a slight shock, as if the ship had bumped, but on sounding found six fathoms. Tho wind was moderate on the morning of the 11th, and the soa was smoother, but early in tho morning, be tween three and four, the ship's stern was tailed in towards tho beach, and she w_s felt to strike slightly, and five and a quarter fathoms of water wero found under her stern. She lay easy from then until a Jruartor to eleven a.m., when tho wind reshoned again with great violence, and tho sen began to roll in as heavy as ovor. At about.a.,quarter-paßb elevon the steel hawser parted about three feeb from, where shackled on to the cable. The Weka came" alongside just] then, and; ho asked if he could assist with a cable of obherwise. Tho master replied ho would go for more assistance. Ran up the signal "Want immediato assistance." Shortly afterwards the steamers came out—the Wai roa, Sir Donald, Boojum, Weka, Fairy, and Result. Passed a hauling line to tho Weka for her hawser, but she had, so much difficulty in keeping, her head to sea that , the steamer went beyond tho scope of their lino, and broke it. ' Tho, Northumberland was dragging slowly in, and (Striking fro-;. ■ quenbly; lb was then evident that the boats cjoiddrerider'thein poassi3tan.ee,anda.s there was great danger of the masts coming down and injuring the crew, ib wasklc'cided to tryi and get tho, crew into tho bpats. Captain Todd then rcpeatddthe dqtails as to the loss of the Rooju.m and tho landing of the crew. He valued; the,, ship at L 20,000, partly insured. The cargo was worth L 50,000. Did not think if the steamers had been out qn the early, 'morning of tho, 11th they Could havo towed the Northumberland oub, owing- bo tho heavy swell ab the time. The weather: had every appearance of becoming fairer and changing. Had.visited thq.porb of.Napier with tho Northumberland four times; never experienced so heavy a gale, or one of such long duration at Napier, as the one of, tho 9bh and/11th. This voyuge tho vessol was a littlo closer inshore than on the other ' trips. The cause of. the vessel being wrecked was the. force of tho galo, and; the heavy seas, and the open roadway. Tho cables and. anchors..had. been surveyed, twice during the la_t,three and a-hali years, by bhe Board of Ti-ado surveyors.

At .the Police Opart Wye- men wpre.chm'ged with.\vrcckih<s and stealing cargo,, brought up and remail'ded,.* Other arrests are likely to be made.' ! ■'■'" ' " " ■ - ' ;

The agents of the vessel have sent L2O bo thfr>.eL>aws>lof?(Oach steamer) 1 ,-Brobably all lyill bo given to the fund being raised, far, the femilieapf tfeft dVQ>y.R§U.An.§n,

THE AUCKLAND EVENING STAR, SATURDAY, MAF iit ________

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litcegsfng notices * *_! 1 1 2 _ * § §H 1, '' g | 1 , ri__ <t _> 3 P* _C ° • - ? . P 5 h «_^ 9 b g& | 3 r ", asSfe B .S -c °■ to „-_ i S S _§3 X .5 W g«3 g _•-. _3-3 . . _ a _. g'--.1. k a * "go" " ' _z§ " 3, o» ° 8 §_.» 3-O *"* ua f. a « >tg_ kJ- H 2-2 3.2 § § <og g$S i _§J„ r § 3_l * fei ra Fa? 5 W t% 1 * IHI —-—^- i g i m ..= vi X J 3 _ p.S„o c .s_„J3^-__: _ <J c_!x)_ £ ,;j.S'S"_ «v:^_ § £_ t-3 _Srf — 2 _"C-C _•= C3ci d to r-S iS_3 8~3 b 2 «_| <3 *« 2 o- 3 ~~ » S__ —j_-_ B r , A t_ S j" K_ C-_ 3 Og O C _< « Bg£3 o gS_l£g_jS.f 5 £ §!_i J liflJlHl 1 -__-:' 1 cio. o " THE Annual Meeting of the Licensing . Court for the Harataunga District will bo held at, the Court-house, Coromandel, at noon ot FRIDAY, Juno 10. 1887. J. B. GATLAND, Cleric of Court. R.M. Court, Coromandel, May. 5, 1887. HARATAUNGA LICENSING DISTRICT. NOTICE OF APPLICATION FOR TRANSFER OF .LIGENSf?. 1, PATRICK O'BRIEN, of Coromandel, being the holdor of a Publican- License in respect of tho house und premises i-ltuate at Coroniaiidel (the f'.olconda Hotoh, do horoby give notion that I desire to obtain, and will,at the next licensing meoting to be holdcn at Coromandel, on the 30th day of June, 18S7, apply for a transfer of the said license from myself to John Lynch, my appointee. Dated the 12th day of May, 1887. PATRICK O'BRIF.N. Coromandel, Publican. HARATAUNGA LICENSING DISTRICT. NOTICE OF APPLICATION FOR TRANSFER OF LICENSE. I, WILLIAM HALLINES, into of Coroman del, being tho holder of a Publican's Llconse in respect of tho houso and promises situate at Cororoandol (Royal Mail Hotel), do hereby glye notice that I dosire to obtain, and will, at tho next licensing meeting to bo holdcn at Coro mandel, on the tenth day June 1887, apply for a Transfer of tho said License from myself to PATRICK O'BRIEN, my appointee. Dated tho 12th day of .vlay. 1887. WILLIAM HALLINES, Auckland, Publican. r\ N E T RE E.HILL. The Annual Licensing Meoting of One Tree Hill Licensing Committee, for tho Ronowal and Transfers of Licenses, will be held at noon on FRIDAY, ihe 3rd day of June, 1887, at Epsom Ball, Epsom Road. ' HEtfllY CLARK, Cloric to the Committee^ niTY OF AUCKLAND. NOTICE OF APPLICATION FOR A PUBLICAN'S LICENCE. I, SYDNEY WILLIAM DUCK, of Newmarkot. near tho City of Auc iand, Hotclkeepcr, do hereby give notice thut 1 desiro to obtain, and will at tho noxt licensing meeting to be holdon at tho Public Hull, Nowmarkot. on the 8-vcutli day of June next, apply for a ecrtilicate* authorising the Renewal ot a Publican's Licence for a house, situate at Newmarket aforesaid, and known by the sign of tho New market Hotel, containing twelve rooms, ex clusive of those required for the use of the fondly. ' _ _ _ Numo of Ownor, J. C. Seccomde. Dated the 13th day of May, 1887. S. W. BUCK. .. Samuici. Jackson, Ju.v., Solicitor to applicant, Auckland. IfeTOTICE OF APPLICATION FOR J3I TRANSFER OF LICENSE. I, GEORGE HENRY EASTON, of New nmrkot, Hotol-keoper, boing tho holdor of a Publican's License in respect of the house nnd premises situate at Nowmarkot, do horeby give notion that I dosiro to obtain, and will, at the «iext Licensing Meoting to bo holdon at Public Hall', Newmarket, on tho 7th day of Juno noxt, apply 'or a transfer of tho said licenso from mynelf to Sydney William Buck, of Otahuhu, llotol-kooper, my appointee Dated tho 13th day of May, 1887. GEORGE EASTON. ---s. Jackson, Jun,, Solicitor to applicant, Auckland. -pANMURE LICENSING DISTRICT. I. ARTHUR COE, of Panmuro, being tho holder of a Publican's Licenso in respect of the house and ■ premises situate at. Panmure, do hereby give notice that I desire to obtain, and will at the next licensing mooting-to bo holdon at Panmuro on the ninth day of Juno, 18.7, apply for a transfer of tiie said license from myself tp Arthur E. Hoard, my appointee. Dated the twolth. duy of May, 1887. ARTHUR COX. 1 . —..' .i . —r~ —,i t . t_—a" - — 'OANMURE LICENSING DISTRICT. NOTICE OF APPLICATION FOR A PUBLICAN'S LICENSE. I, ARTHUR E. HEARD, tjf Panmure, hotel keeper, do hereby give notlco that I.desire to obtain, and will'at the next licensing meeting to bo hold en at Panmuro; on the ninth day of Juno, 1887, apply for a'cortiiieato authorising the issue of a publican's license for a'houso situdto at Panmure,' apd known by tho sign of the Panmuroillotel; 'containing nine rooms, exclu sive of those required for t.i.e use of-the family. ' Dated the twelfth day of May. 1887. -, I: - \ ARTHUR E. HEARD.,; [Established 1860.] A UCKLAND |>OLLER T^riLLS, AND BISCUIT "MANUFACTORY, FORT-STREET, AUCKLAND, N._. (Offlco at the Mill). 0 0 H N^~L A M B RAS. FOR SALlfl : WHEAT MEAL in sacks, 100's SO's and 2.Vs; PREMIER FLOUR, in sacks; STANDARD FLOUK. in sacks; QUEEN'S FLOUR, in sacks, 100's, oO's, and 255; Royal Flour, in 1 sacks, 100's, 50'b, and 25's. i SHARPS, BRAN, FOWL WHEAT, OATS (whole and crushed), CABIN BISCUITS, FANCY BISCUITS. ■ Flour and Biscuits packed in air tight tins for Islands trade.' Ask your grocers for the Auck land Roller Mills; Flour, and encourage,lociil Industry, '.'.. , MOUNT ROSKILL, Groomed House, furnished, can be bought a bargain, asg it must be sold within a.fortnight; a pieasanC newly; married coudlc, everything*! clean, and in .nice order. Can bo bought out at J £300, but a lowor btfer if cash and deserving notice will bo. entertained. FuutherßkduCt t'iqn* of £60., Owing v to 'pressure of events tho owner has now authorised me to tako s63OQ for the lot. May j-\|Vwi??4i ili,','WHhpKora, .'



in. HUJi " ' Educational. IVTELSON STREET NIGHT SCHOOL Ll CLASSES, Monday. Wednesday, and Friday 7 7.30 to 9 p.m.-G. ThwaiUss, Assistant Master. . -OOARDING AND DAY SCHOOL, J_> MANUKAU ROAD, PARNELL.- Hit, MISSES ROGERS having romoved to larger and more convenient premises, have a few Wncles for boarders as well as day pumls Terms and references on application. Next tiWm begins MONDAY, 23rd Ma}'. MR W. H. WEBBE, Teacher of Piano and Singing. Corner of Hobson and Cook sir. ctB I _J/ncancjicsJor pupils next month. RjTil. SWALES, Certificated Pupil' of Professor Swallow. Eady's Music Warehouse. Lessons in Pianoforte playing and Violin-playing. ____ THE Elementary Singing Class in tho Masonic Hall. Nowton, will commence on MONDAY EVENING noxt, athalf-p-st 7, when a Free Entertainment will be given, including Solos, Part Songs, and Choruses. ..:: 67 f. B. W0 0 D lIA M, Tkachkk of 'ins PIANOFORTE AND HARMONIUM. Address: Care of Mk A. Eady, Auckland Music Warehouse, Queen-street. -m/T ODER N LANGUAGES. MR. CHARLES C. NAVERNE, of Paris, Membrc de la Soclete N atlonalc dcs Profcsseurs en Angleterre, KECEN'TLY AnniVED FROM EUROPE, Intends to give Instructions in FRENCH AND GERMAN. Afternoon Classes for young Ladies, and Even ing Classes for Gentlemen will be formed. Private Lessons given, and Schools attended if required. For Terms, etc., apply at his residence, Dilston Houso (Captain Lovcrock's), Lower Symonds strect, Auckland. BANJO, BANJO.—Vacancies for tv/o or three Pupils (Ladies or Gentlemen) for the Ban I'©, Terms in advance—G. Washington 'Dounes, Upper Symouds-strcot. . I" NSTRUCTION.itI the French Language and Literature by Mr H. S. F. Peltzer. French Master, at the Girls' High School, and wjvcral of the Auckland leading schools.. French Evening Classes for Advanced Students and Beginners will bo opened by Mr PELTZER on March Ist prox., at his Residence. Upper Piu strect, opposite tho Baths. Terms:—Advanced Class: One Guinea; Elementary.Class : Half-a-. Guinea, per Quarter of 13 Lessons. ~y T 0~ L~I _N C~L A _S~S Mr. P. F. HISCOCKS. Teacher of Violin, etc. A Violin Class is about forming which will moot for practice at tho residence of Mr P. F. Hiscocks. Upper Vincent-st., every Wednesday evening, commencing May Uth, from 8 p.m. to l) o'clock p.m. Terms, 1 Guinea per quarter, payuble in advance. A largo stock of Violins to select from. A Ringing Class also meets every Tuesday ovening : term* on application.- P. F. HISCOCKS. Upper Vincent-st. DANCING, DEPORTMENT, AND CALESTHENICS. MR J. KELLY, from Her Majesty's Theatre respectfully announces that ChisseEi will be formed at his residence, Ponsonby Road (two doors from Hutchinson's Store). Juvenile a.stj Ladies' Class.—Saturdays, at 3 p.m. Adults' Class--Fridays, at 8 p.m. Terms.—Each Class, One Guinea per Quarter (12 lessons). Tho Minuet do la Cour taught as dancod at Hor Majesty's State Bulls; also, tho Prince Imperial Quadrille. . '*z "OICTURE - FRAME MANWAG -3 X TORY, § MUSICAL INSTRUMENT WARE r. . HOUSE. S_ 88, VICTOKIA-ST., AupKLAND. 8 ____''■' || T. E. CARTER, Zv TEACHER OF MUSIC, a* VIOLIN. PIANO, CORNET, S GUITAR, BANJO, &0. U -. 3 Musical Instrumests Tuned aed p Repaired. Hotels TJRINCE OF WALES HOTEL, H 6 W I U K. MRS. HINDLEY, PaopitrETRESS. The abovo Hotel lias been renovated and im proved, and allbrds good Accommodation to Visitors. Parties driving out on Sundays, and requiring Dinner, aro respectfully requested to Tolcphono tlio day previous. .■■;:■ -.;. • : Good Paddocks and Stabling, with best oaten .cha.fl> hay,a?d.corrj.* • - ; • ; '..■■. ; r. THE RENOWNEt) OLD'CITY.1 f CLUB HOTEL, SHORTLAND-STREET. RENOWNED, hecause it was known of pld as the rosort of the business men of Auckland, who havc.tb,v c.re^it of appreciating goqcl.Hquors. I havo the ploasuro to announce that having Purchased the Lease of thi.. Hotel, and being determined to supply only tho BEST BRANDS, Ido not fear tho result. • ', , ;s > i MY BPKCIALTY is that I'stio_ to JOHN Walker & sons- old-highland Kil marnock WHISKY that took FIRST PRIZE. MEDAL at SYDNEY. MELBOURNE, and (PHILADELPHIA EXHIBITIONS, HEN NESSY'S and MARTELLTS BRANDY; and I will sell them in the bottie'or glass UNADUL■ ;-tkred,:' "; ",'.' ';.;."*. \! ::iy. .;':'•" \' a -'' y ! pr6pri:etor;- 'f] b (LATE. OF. ALBERT HQTEU. - r'."



jjraperyj^^&J^ . — — 0 _- A^NOANP— DIM NEIGHBOURHOOD/. - vatt RU _ HOSIERY SEE"® (£ BEFORE, YOU BU>, iiv' -•' jlgilmours bargains TZ^o^^^ pf »b¥* if f quf!* ; n d cl finished for Is 4d per pair, original pnc. 2, 9d. Children's (same quality), Is. Maids , 1 -d J G. wishes you to see bhe value m Glove, of ail kinds, too numerous to mention- Swede, Kid, Silk, Cloth, &*C &c ; Gent's fur-lined Kid: also, bargains in evening colours in Kid Ladies Cloth fur-tops, &c, at Gd per pair ; also Boys I strong cloth fur-lined, &c., Gd per pair. J. GILMOUR, DRAPER AND GLOVER Upper Symonds' Street, and KARANGAHAPE ROAD.



PubUc Notices. ', Kurz & Isack, I A. Kurz & Co., Vienna, I. I Berlin, C. COMMISSION EXPORTERS HARD WARE & MANUFACTURED GOODS. "SPECIALTY: TWEEDS. , Reliable Agent wanted;' References required. w7 l E i s ' BOOKBINDER, PAPER RULER, ACCOUNT BOOK MANUFACTURER, WVNDHAM-STREKT. MERCHANTS' ACCOUNT BOOKS, _ j Insurance and Mining Register Books Specially , Ruled and Hound. Music, Magazines, Public Libraries, and Sunday School Books Well Bound. BAKERS' SPECIAL RULED DAY BOOKS. ; Bibles, Prayer and Hymn Books Re-bound. BAND AND CHOIR MUSIC BOOKS RULED. BAPBR HANG INGS. W. PHILLIPPS & SON HAVE RECEIVED, EX LATE ARRIVALS, 185-rACKAGES-185 CONTAINIXG 55,000 ROLLS OF PAPERHANGINGS, COXSISTING OF NEW .PATTERNS For Drawing, Dining, Bed- Rooms, Hall and Staircase, suitable for the Mansion, or Cottage. BEAUTIFUL DESIGNS, AND BEST VALUE EVER OFFERED IN PAPERHANGINGS. 91G — PACKAGES—9I6 SCRIMS AND HE S S I A N S PLATE AND SHEET GLASS, WHITE LEAD, OILS, TURPS, VARNISHES, AND ALL TRADE SUNDRIES. W. PHILLIPPS & SON, 95 and 97, Queen-street, QURREY HILLS. SURREY HILLS. H -—- CHOICE LOTS. FINE VIEWS. HEALTHY SITUATION SURREY HILLS, SURREY HILLS, SURREY HILLS. TRAM-CARS PASS EVERY 10 MINUTES. One-fifth Cosh, balance any time wilhiu Five Years. Instalments received. Offices.: __ Australian Mutual Provident Society's Build ings, Queen-street. A. BOARDMAN, Agent. /GROUND L I M E. GROUND LIME FOR SALE : SOUTH GATE'S MAHURANGI HYDRAULIC GROUND ROCHE LIME, In any quantity, for Concrete Paths, Floor, Cellars, &c, (next to stono flagging is un rivalled for durability and hard-setting qnali'ies). For tanks and other wet work it i. a first-class material. B. KEA NE, SOL E AGENT CUSTOMS-STREET. ri LAZING! GLAZING! GLAZING! Every description of Glazing. The Cheapest in Auckland. A. H. MORRIS, direct importer of glass, Kauangauai'e Road. * :■-...■ Sashes sent for and delivered free. mHE COMMERCIAL HOTEL, "" WHANGAREI. ; LORAM, Proprietor. Commercial Men, Visitors, Families, &c, will find this Hotel replete with every cbnvon'onco for tho comfort of Patrons on the most moderate terms. ijg UTTERICK'S CUT • PAPER PATTERNS.!, I i "" PATTERNS FOR Ladies, Misses, Boys, and littlo children of .'V';'■ r"" " bothse^es, '— --■■■-■■■ ■ Comprising all the latest London Fashions, ". . , Together with - ; *' Sheets and journalsillustratihg same. i. '. ■ Can bo obtained from M; BACON .. .. QUEEN STREET J. &W; WILLIAMS' ..NEWTON :'"?i ; MUNRO&Ca ;•"... PONSONBY'ROAD ; H.G.OSWALI) •"■■■;; ponsonby : * ' MISS THORNTON.. NEWMARKET '* * MISS FISHER.. ..PARNELL W.P.OGILVIE .. VICTORIA-ST or G. J; JACKSON, Stationer, Onehunga"' ANY OF OUR AGENTS TIIROUCUOUT THE - -■■ ■'■,;■ ■COUNTRY. ~; ,-■■. ,-;; :. NOERIE & KEMPLA.Y, 21 ' ELLIOTT STREET, AUCKLAND;' , ; Jjg A' fil>? Zealand. CONSIGNEES AND FACTORS == augklanu,^nl- . 10,.R^. : Oflico: High-sthk_t (opposite City Council r*o„,i. • „ , Chambers).''" Cambric Handfs, Pins, Needles &-r« p^^«,« \ :p3fßo^|fa6Dt^- promPtl7 eWed. V



___________Money. J_TJL sums, upon fW„r ' m W» T^s. repayable oth W(M" fr<ld„" ¥ a term of ■ycars.-S. 'W and 6, Mercantile cffii 5 .> &X of Nc.v gcatogd) i fe4gßa^K' ivr ONEY WJL current rates. ' °n"&ee_> MONEY TO^LEND^SI Freehold Security ?a » WxM. READBLo.Mp,., fS _J__^L c_£!_______^effi -jfyFONEY TO L&T^l _.¥_. rate of intercst:~A n „,J? JacksonTO, 2."^ M°NEY^oTS±fe| First-class Freehold & Jlor"3 WILLIAM COLEJUN NattouaUMuraifes 1 £8000 Sxf^ ckzi\p\y\y\y from £jo „„ m V Wm S. Cochrane, CoK^jW.* ISS, Queen-street, -"aues K kb < ONEY LENT~ON~]%^ NOTES, HOUJES^Uasg^ BrLLS DISCOUNTED n-r, '"' MORTGAGES, jfi John w: bardic Land, Commission, and'liW,' , _i______i___^_ife^. QUEOTLANDIjSpBj^I DISCOUNT BANKING COMPij Daub .--street (off Queen-street), its HEAD OFFICE: Brisht. Agencies: Auckland, Sydney,andlfe MONEY advanced from £5 and m_ any amount required, to suit th'ebo ■_ ■ -: PERSONAL, FREEHOLD, 'LEA SE _ any TANGIBLE SECURITY, rcpay^ j [ way as may be arranged, cither \i>" ' MONTHLY, or QUARTERLY in_A, lowest current rates. ' ':";";:.' ADVANCES mado on FU_Ufi_u_(jH removal; also, on aU kinds o£^tJSi™__| including BOND WARRANT^J|I|M BILLS DISCOUNTED at ourrcn^B Interviews and communication j^l strictly couiidcntial., .';;. ?.: ; '#'.-H Office llqur3 : FromjOtiUiJi'^P B »kk of England', NorS6_il__ LONDON MORTCAGBMfI DISCOUNT BAM,'.till 50, SHORTLAND -STREET, AUOHM (Opposite A. Clark and Song' \?arMH And little Oollins-st. LOANS are advanced fronvMftlp Upon ' ' ' fa Personal, Freehold, and Leasc_3liljy_ Repayable by ~m Weekly, Monthly, or ■ Quarterlr-HIH At Lowest Currefat-rfiki'^pf Advances made on Furniture \ and all classes of Mcrcbpda!?T| Loans granted upon Life I >olicies,:J_g_<H Interests, under; Wills. gg Bills Discounted at CmißKsf |i Ti S Loans upon Deposit of Dccds.r-ReiayE_tK Easy Instalments.' H Terms Gratis. AH commuhicatioßs''i_liS| . views held strictly con-total•■"II A RTH U R ( riOHIS LAND AND MONETARY AM 24, SHORTLAND-STEFJ | -; ; - (Three doors pastSMfiM .» I am prepared to value land in Antep the Country for intending parcln»!lHm reasonable terms. All land sqW,l);jMj_H land I charge 2J per cent, comniiss^^w I am prepared to negotiate MortgfiabsS from £25 to £15,000 • I Having at command a large s>rniofmnejls| make advances on life Policis, m Having Agents in all parls of Atuttaicffi England, I can make Advances.up«% in sums from £50 to £Is,op(t'-. 1$ IN DU S T RIAL AND P Msm PERMANENT BUILDINGiSI INVESTMENT-SOCIE'rY\OR;AU«W| SCALE OF REPAYMENTB_DUIB| Repayments extend- Per Week |»_ri_jt_aS ing over ' j for £100.' ..«! ———. - _s. d." <--T_-„I lyear .. .. 2 0,0 . « 1 3 Us.. .. OH-7. J 1 5 years .. ... 010 0 __{_-1 7 years 07 11 ;«J 10 years .. ■■ 06 3 _______] And other Periods to suit BorroM The Board has power in easestfltW Want of Employment to .SUSFii-u,1 MENTS. ' BORROWERS SHAREIN PBOIP* PART OR wnOLE OF. THE;AOj| MAY BE REPAID AT -ANY-A INTEREST CEASES O^ M»W REPAID. . -.:-,,,.„< A m ember who has obtained an S liberty to sell his property'at .antmg, pay off his mortgage; or may _}!f» his property subject; to1 the mortgage Corner of QUERN STREET and VIO AUCKLAND . JOUNBAXC|OFr AUCKLAND PERMAIJI! , OPTATIVE BUILULNQ&^'II MENT SOCIETY. ' j>( _. I OFFfC-:U7QPEEK-STI^:. LOANS granted upon apjfe^ Freehold or Leasehold PwP^Ajl £20 to £0,000, principal and mterasus tfft able'in instalments at the l*'& Hates for repayment of each £100 JS^ . ... _ _•... .- -— — —TToffl■*_ Repayments extend- w '.£ ~#&»» ing over •> ■■ . i 1-WsrvKcw^ ___Sgj — ———-~~~T' ""iTdp' • .£,* j i lyear .. .. 20 0 £■ «_ 2 years .. .. , 1 ■"} " 113 3 years .... 0 »,.'.... .-Ml i years .. .. .O,IJ g . #i\ 6 years- o;.°. _~. .»ifl| 8 years,.. .. ~ 0.1 \.... ;|iM 10 years .._ . __«.?__— '^f^! And in the same' prop'ofiion for , or larger loans. _ DEPOSITS.-Thc'Soc'ictyrecei^Sl deposit:-Fdr6months,o !«'^. at 7 day.' notice, 5' Pf^j'gM .— -r^f. TVrEW ZEALAND MOR.P^ VA _ND DISCOUNT U^S Birii-.™E? ;nff|tt | Bills DiscountefaTfTurrentl^ Bank of England Notes ana* " .. ' , _an_.on.ng Notes BQ ugh^ .^b. All conununicatloMstrictiJ ~. .|