Risks between United States ports, in Gulf of Mexico, and ports south of the Chesapeake, at discretion.

On cotton and metals at discretion.

EAST COAST OF SOUTH AMERICA, UNITED STATES, AND EUROPE.

SOUTH AMERICA TO EUROPE.

From any port in Brazil, (except Rio Grande,) to any port
in Europe, without the Baltic and within the limits of
the North Sea, including Gottenburg and Copenhagen.
From any port in Brazil to any port in England, France,
Portugal, Spain, or any port in the Mediterranean, not
above Sicily...

From any port in Brazil to any port above Sicily.
From any port in Brazil to any port in the Baltic.

From Montevideo or Rio Grande, per cent to be added
to the above.

From Buenos Ayres or Rio Grande, 4 per cent to be added to the above.

SOUTH AMERICA TO UNITED STATES.

From any port in Brazil, (except Rio Grande,) to any port
in the United States

From Rio Grande or Montevideo..
From Buenos Ayres

.....

EUROPE WITHIN THE NORTH SEA TO SOUTH AMERICA.

From any port in Europe, without the Baltic and within
the North Sea, including Gottenburg and Copenhagen,
to any port in Brazil, except Rio Grande..
From any port in the Baltic to any port in Brazil, except
Rio Grande.....

To add per cent if to Rio Grande or Montevideo.
To add per cent if to Buenos Ayres.

UNITED STATES TO SOUTH AMERICA.

April 1 to
Oct. 31.

Nov. 1 to
March 31.

From any port in the United States, north of Cape Florida, to any port in Brazil, except Rio Grande..

To add per cent to Rio Grande or Montevideo.
To add per cent to Buenos Ayres.

EUROPE, WITHOUT THE NORTH SEA, TO SOUTH AMERICA.

....

From any port in Europe, not in the Baltic or North Sea, and not above Sicily, to any port in Brazil, except Rio Grande

GENERAL REGULATIONS.

1. If there be any lime on board on cargo or on freight, 50 per cent to be added to the premium for the passage.

2. If any goods are shipped and insured as on deck, not less in summer than three times, and in winter four times the under deck rate of premium to be charged, with condition not to be liable for damage by wet or exposure, nor for partial loss under 15 per cent.

3. The North Sea, as expressed for additional premiums for winter months, (viz. from first day of October to first day of March,) is considered north of latitude 50 degrees north, and east of longitude 2 degrees east, and including ports on the east side of Great Britain and Scotland north of Ushant.

4. For any other division or allowance of average for partial loss on the whole interest of the assured under deck than is provided for in our printed form of policy, an additional premium shall be charged of not less than one-quarter per cent, except on the rates for such cases from Great Britain and Havre already provided for in this tariff; and except on risks north and east of Florida, coast wise, on which not less than one-eighth per cent additional premium shall be charged.

5. To add not less than one-half per cent for each port used more than one, for trade, for each time used, except on voyages to Sumatra, and excepting that an abatement of one-fourth per cent may be made for each port used more than one on the west coast of South America.

6. When several passages are included in the same policy, the rates for each passage are to be added together.

7. Any company may give permission for vessels to exceed 25 per cent above the registered tonnage in dead weight, but to charge an additional premium in vessels sailing between September 1 and May 1, of not less than one per cent.

8. Not to be liable for leakage of oil, molasses, or other liquids, unless it be occasioned by stranding or collision with another vessel.

9. With regard to risks not provided for in this tariff, it is agreed that the parties are to make contracts at discretion, but it is expected that the companies will require rates equivalent to those named in this tariff on risks of like value, acting in good faith, and not taking one risk for a lower rate in consideration of receiving the tariff rates on another.

"STATE MUTUAL LIFE INSURANCE COMPANY."

This company was chartered by the Massachusetts legislature, and has been in successful operation some ten years. It is located in the city of Worcester, Massachusetts, and is one of the few companies in this country conducted as we are quite sure, on sound and correct principles. The Board of Directors is composed of responsible men, twenty-five in number, one-half chosen from the stockholders to the guaranty fund, and the other half from the assured members. In addition to the Board, or rather chosen from the Board, is the President, (Hon. Isaac Davis,) two Vice Presidents, (Emory Washburn and John Brooks,) a Secretary, (Clarendon Harris,) and Treasurer, (William Dickinson.)

In the Annual Report, the Directors congratulate the Company on the steady, healthy, and vigorous growth of the Institution. It appears that they have now outstanding, 1,846 policies, the amount on risk of which is two millions, five hundred and forty thousand, two hundred and seventy-five dollars. The receipts for the year have been $69,064 96, and the disbursements, $31,474 25, of which $21,050 was for losses on policies terminated by death of the parties, and $3,500 for interest on the quarterly capital. The present net assets of the company are, $228,982 91. Fourteen losses by death of members have occurred during the year, the amount of which is $20,850. Since the company commenced insuring, ninety-four members have died, and the amount paid to the legal representatives of the deceased, is $157,150.

The editor of the Merchants' Magazine has no hesitation in recommending this company to every husband and father who would secure his widow or children against want or in other words make a safe investment for them in case of death.

JOURNAL OF BANKING, CURRENCY, AND FINANCE.

CONDITION OF BANKS IN SOUTH CAROLINA.

The following table will show the amount of loans, deposits, circulation, exchange and specie of our banks, according to the returns made to the Controller, on the

31st July, 1854:

Bank of the State ...
Branch at Columbia
Branch at Camden

The following table shows the par value of bank and insurance stock, the price on the 1st of August, 1854, and the last dividend per share. The dividends are payable annually:

BANK SHARES AND STOCKS OFFERED FOR SALE.

Charleston Bank, old shares..

Last div'dnd per share. $5.00

31,199

55,970 11,677 109,773

6,907,649

8,333,105

RELATIVE VALUE OF THE REAL AND PERSONAL ESTATE IN THE CITY AND COUNTY OF NEW YORK, AS ASSESSED IN 1853 AND 1854.*

DERIVED FROM THE REPORT OF A. C. FLAGG, ESQ., CONTROLLER OF THE CITY.

Assessments of 1853.
Personal estate.

$31,919,133

$49,008,060

$35,669,850 $53,814,227

$80,927,193

$89,484,077

......

$3,750,717 $4,806,166 $8,556,883

2,170,309

11,221,464

3,524,484

15,086,875

15,771,918

284,349

400,694

685,043

Dec. 49,697

5,608,272

6,445.772

4,838,700

5,068,650

5,462,858

5,743,208

9,194,600

2,290,454

9,674,000

2,292,507

11,485,054

11,966,507

479,400

481,452

20,257,600

17,621,229

24,694,000

17,855,393

37,878,829

42,549,393

4,436,400

234,163

4,670,563

12,858,550

730,653 2,139,253

20,133,095

24,336,895

22.

1,974,876 35,663,151 14,702,076 48,440,048

11,704,030

....

.....

413,631,382

462,021,734

FREE BANKS OF INDIANA.

STATEMENT

SHOWING

NUMBER, NAMES, LOCATION, CAPITAL, STOCKS DEPOSITED, NOTES ISSUED, AND DESCRIPTION OF STATE STOCKS, FILED BY THE FREE BANKS, AS PREPARED FOR CINCINNATI GAZETTE, BY JOHN P. DUNN, ESQ., AUDITOR OF THE STATE OF INDIANA, PER W. H. McDONALD, ESQ.

The Banks are numbered, and the lines;-numbers corresponding show the description of stocks held as collateral security for the redemption of the bills.