The Citizens1 Savings Bank
OF HOITTH OABOX^ItST A,
ORAN&KBUR? BRANCH.
Will pay 7 PEE CFNT. INTFRE3T on. SPECIAL .DEPOSITS and G PER CENT, on S.tV
9)1 D2?dUTi, Compound id S;:ni-a:imiaUy.
? it? i ' If 1} M \'A ' ill J J I I t\- ' * { ) I f ' ?
Jliocal Finance Committoe.
1W THOS. W. GLOVER.
Col. PAUL 8. FELDER.
Copt. JOHN A. HAMILTON.
JAS. H, FOWLES,
mch 19-ly Assistant Cashier.
BULL, SCO VILL & PIKE
Are almost daily receiving additions to their large Stock of
GENERAL MEECHAND I Y. E
BROWN COTTONS AND DOMESTICS,
Now in store, purchased before the advance.
Just received a full Stock of
BOOTS AND SHOES.
ALSO,
I ARD WARE, NAILS, Ac., together with
AGRICULTURAL IMPLEMENTS, for farming purposes.
GROCERIES in f?ll Stock, consisting in part of
BACON AND DRY SALT MEAT.
FLOUR of the well-known brands.
SUGAR AND COFFEE which defy competition in price and quality
_A-creiit? for
ATLANTIC PHOSPHATE,
Cue's Phosphate,
Wandn Fertiliser,
Pacific Guano.
Manipulated Guano,
Guanape Guano, as well as
LIME, LAND PLASTER, &c, constantly on hand.
?rWe are also agents for well-known FIRE AND LIFE INSURANCE
COMPANIES:
GERMANIA, of New York.
Andes, of Cincinnati, O.
Equitable Life Assurance Company, of New York
And lost, but not least, the celebrated
SINGER'S FAMILY SEWING MACHINES, an exhibit is sufficient.
We have and do sell tho goods. '
BUL.L,, SCOVILX, & PIKE.
tab 14
WILHELM THEODOR MULLER
HAS REPLENISHED HIS STOCK OF EATABLES, Ac.
FiVK KINDS OF IRISH SEED POTATOES.
ANOTHER LOT THOSE FINE TONGUES.
UTGH HERRINGS,
LTMBURGER KASE,
BALTIMORE BALONYS,
SHADINES,
FINE BALTIMORE CANDIES.
LEAF LARD, A. No. 1?in 3 pound, 5 pound, and 10 pound cans.
LARGE LOT OP
SHOES, DRY SALT AND SMOKED SIDES,
Western and Augusta Flour,
Ari'otllbr I-iOt of'lO cent Hams,
GRIST AND MEAL.
JJ?y All packages delivered freu of charge.
W. T. MULLER.
fob 14
W. M. SAIN & CO.,
DEALERS 11ST Q-BOCERiES.
Eresh Supplies Received Daily.
ANOTHER LOT OF SPANISH OLIVES, JUST RECEIVED
CANNED MEATS,
O a ri, n o cl F r u its,
FINE CHEWING AND SM0K1KG TOBACCO,
YACHT CLUB AND JOCKEY CLUB CIGARS.
AI-BO DEALERS IN
HORSES AND MULES,
A fine lot on hand, for sslc cbrap.
OUR LIVERY STABLE? au /ait accompli.
w. m. S A X N & CO.,
CORNER MAIN AND MARKET STREETS,
OHANGKBURGj H. C.
COL tlMBL I. 110 TEL,
COLUMBIA, 8. C
This tlr.4-?lav? ami entirely new establish
ment, lucated in (Ik; busine*tf midst of South
Carolina's Capital, allbi'ls the very best accom
modations to the travelling public ami perm a
nentguests. Large Airy Rooms,elegantly fur
nished, Gn?, Reils, und Water throughout.
Ladies' and Gentleman's Baths, hot and cold,
Tole-raph Oftire in the Rotundu; spacious
Billiard-Room, furnished with Phclan & Col
lender's beet Tables; and with all the modern
improvements of a ftrs't-elnss hotel. The
"COLUMBIA"
Is in all rcfiuiet-*, one of the first hnuvc? Houth.
The proprietor having had an experience of
nearly a quarter of a ct n'ury in the management
of the Charleston Hotel, is nufltoicut guarantee
that the "COLUMBIA" will he found as rcp
rescnted.
WM, GORMAN,
Proprietor.
J. D. HlTDD?, ) . .
.Jas. Fj (iADSD^N,..} ^sttUUJf.
GENERAL INSURANCE AGENT,
Coi.cmuta, S. C.
Office opposite the Columbia Hotel, in
rearot'Mr. W. J.Duttic's Buok Store.
GEO. 1IUGGINS.
P3-20 Agent.
JAMBS ALLA^f,
DRAI.KU IN
WATCHES, CLOCKS, .JEWELRY, 8TBR
LINCrSILYKR;
SPKCTACXI-S, EVK-G j.ahmh AN!) FANCY Goods
No. 307 King street,
Charleston, S. ( . 1-20
Spartanburg and Union R. R.
down TRAIN. VP TRAIN.
Arrive. Leave. Arrive. Leave.
Spartanburg 5.30 5.2"j
Batoavillu 0.00 ti.OO 4.53 4.53
l?aeolet fi.OS U.I? 4.40 .?.4".
Jonesville 0.43 O.IS 4.0". -I. lo
Unionville 7.2? 7.5') 3.05 3.25
Santui: 8.20 ,s.-j* 2.3(1 2.:'.">
Fish Dam S. 10 8.45 2.10 2.1")
Sholton fl.l? 0.20 l.?? 1 .-10
Lvles' I ord 0.10 ?.t.4"i 1.12 1.17
Strother 10.(?."> 10.10 12.50 12.55
Alston 11.00 1200
TIIOS. B. JETER, iWidcm..
Bluo Ridge R. R.
I,eave And'Tron ... 6.00 p m
" Pcnriletbn ... 7.no p m
" Perryville - 7.45 p m
Arrive at Walhalla - - 8.30 p m
Leave Walhalla - - - 3.45 a m
" Perryville - - - 4.:to ;, m
" Penrihtnn - - 5.39 a m
Arrive at Anderson - - 0.30 im
Greenville" & Cotumbia R. R.
UP.
I^eave Columbia at 7.00 a in
" Alston .... 9.10 a in
" Ncwherry - - - 11.1.1 a in
" Cokcshufv - - - 3.00 p in
" Belton -' - - - - 5.00 p m
Arrive at Greenville - . - - 0.30 p m
DOWN.
Leave Greenville at 0.15 a m
Belton .... 8.05 a m
u Cokcsbnrv ... 10.07 a in
" Abbeville - - - 8.15 a m
" Ncwherry - - - 1.50 p in
" Alston - 4.05 p in
Arrive at Columbia ... 5.55 n m
THOS. DO DA MEAD,
(Soncral Superintendent.
M. T. BARTM-rrr, General Ticket Agent.
Charlotte, Columbia & Augusta R. R.
Train No. 1. Train No. 2.
Leave Augusta - - 3.25 A. M. G.0U P. M.
Leave Columbia - - 8.00 A. M. 11.00 P. M.
Arrive Charlotte - - 2.15 P. M. 5.20 A. M.
(KUNO SOt'TII.
Leave Charlotte - -7.40 A.M. 8.15 P.M.
Leave Columbia - - 1.57 P. M. 2.80 A.M.
Arrive Aununta - - ?.50 P. M; 7.30 A.M.
No. 1 Train daily. Trains make close
connection to all points North, South and West.
Through tickets sohl and baggage cheeked
to all principal points. Standard time?Wash
ington City time. E. P. ALEXANDER,
Genend Superintendent.
E. R. DoftSBY, Gen. Freight and Tiek-t Agt.
South Carolina R. R.
MAIL AND rASSKNOeil TRAIN.
Ixvivc Columbia at - - 7.-10 a in
Arrive at Charleston at - - 3.20 p in
Leave Charleston at ... 8.20 a in
Arrive at Columbia at - - - 3.40 pm
NIOIIT KXPBK86,-FRKIQUT ANP ACCOMMODATION
TRAIN, (Sundays excepted.)
Leave Columbia at 7.">0 p m
Arrive at Charleston at - - ti.45 a iu
Leave Charleston at ... 7.10 pm
Arrive at Columbia at - - ti.00 a m
Camdcn Accommodation Train will continue
to run to Columbia as formerly?Mondays,
Wednewlays ami Satin da vs.
A. L. TYLER, Vi\c-Presidcnt.
S. B. PlOKEXS, General Ticket Agent.
MEROKEY'S IIOTElo
R U S S E h I, S T R E E T ,
OKANGEBURG. S. C.
??07" Satisfaction guaranteed.
W'i A. M KRONE Y, Proprietor,
fob 11
DR. E. J. OUVEROS,
de.4u:n ix .a?t?f twr %i ?HC&
DRUGS, IWfllS, CHEMICALS,
FINE TOILET SOAPS; JFANCY HAIR AND T?CfTfi
BRUSHES, PERFUMER** AND FlA-VCY TOILET ^HBK?Sdp * -'
(jil1ss J NT) GARDEN -seeds. ' $k?U& fc*
PAINTS. OILS, VARNISHES, AND DYE-STUFFS,?
Letter-Paper, Peius, Ink, Envelops, Glass, Putty, Carboa Oil, Lamps and Chirohcys
PHYSICIANS' PmajllRimoNiJ ytCfirKATLI.Y (.'oMiocxnti*:
mHlT'{_ _ _ . ?__: lyr
THE tlNIVERgAt LilFE
. ? ^vnw *: **** V**
I N S V Jl A N (J E C O M P A N Y ,
69 Iiibertv Street, New York.
r;*.*t*
j_ ? KjjS ;** ujL * -. t ffjti 8w:i; #iT
.tatst
t**) Nfl fT****"* ?l!-l ?J &TC?8 sdl crl
The Origin?r Stock Life Insurance Company of the United St
'And*\A , *w*.^5 Vi ?iA cv
O F F I (; K R S
i sea wp? ># ?^1 s*e?sa*??- ??
Wim^T?^t WAI.IvKlv, President.
HENRY J. FURBER, Vice-President. JOHN II. BEWLEY, Secretary'.
GEORGE L. MONTAGUE, Aitiwry. 1). \T'. LAMBERT, M 1>., Medical Eaani .
Tuis Company Oilers the Following Important Advantages- to thosa About
Effecting Insurance <>n their Lives.
? , t ? ? ? v ... j \iti ,%lt*+Mj<?H
let. Insurance at Stock Hates,.being fr""' ?Q tu 30 IVr Cent. less than the Rates ehurged by
Mutual Companies.
2d. Each Policy-holder is regarded as a Stockholder to the extent of one Annual Premium
on Iiis Policy, nmt will ?hure in tin; Profit* of the Company to the same extent an a cifockholdtr
owning an equal amuiuit of the Capital Stock.
3d. livery Policy issued by (lid Cuiu]Mtiy u nOn-forfcitahle, and eontuitui a Clause statimr iu
exact Surrender N ame.
Br.Koitt: lxsvitjxu Yont Lifi: oti AcOw71.No tuk Ao?:x<?*,'???vas? Comimst
READTHBFOLLOWma'
A lengthened experience lint* demount rated .dint die rates of Pnmitim ordinarily cbargt-d by
Lifo Insurance Companies are from twenty-live 10 thirty per win. intxcw*ot what atx neeessary
for a Kile ami legitimate conduct of tue husliiCfS. In other words, tare fully and prudently man*
aged Companies charging "Mutual" inte.? have been able .*o return to their "-^?Hey-holder? tr?m
2?j to ;;o per cent, ot tlie amount charged lor premiums.
When Life Insurance Companies Were tirM organized, the reliability of the data liran wkirh.
the premiums weie constructed had not undergone the teVl of experirmv. It wm thought, thcr? -
forc, no more than common prudehbe to adopt a walo of prumhitnn which would, in any ?v?ut,
meet all the presumed and uuibiveen eoiuingancie? uf th? bUMiie?'.
At long as the matter was involved in ?utile doubt, it was letter to fix the rate too high than to
incur the risk of making it too low; because, iu the former case, the error could br easily reme
died, at lenM in part, by returning to thv policy-holders, at certain intervals', Mich portion* of the
premium charged as wan found uuneewwarv fur the purposes of the business and the .complete
security of the Conipnny.
Experience, however, having -atisfactorilv demonstrated that these rate*, are exccMire, what
po.-^ihle excuse can there be for maintaining tin m?
Availing themselves of this experience, tin* Directors and Manager, of the Vnircr/al Lift />-?
miraure (Jomnnny at iti? urgutiixatiun, adopted a}scale of premiums in ac?-ordait?e theruudtb, and
which has proved to be fair and adequate, and all thai was necessary to nie?-t the requirements of
11 if business. Thexe premiums are about twenty-five per cent, lower than thote charged by Mu
tual Companies.
It also appeared, inasmuch as the rates so established were as near as could possibly be deter
mined-fair rates, and not in exires* of whiit Insurance has previously cost die,.policy-holders in
Mutual Companies, that any profit* 11 rising from prudent iiianngenient jusiiy and properly be
longed to the stockholders of the Company," lor the risk incurred by them in undertaking thu
business. ' .
Experience has shown that there are sources of profit in the practice of the business.whieh
theory will not admit of being considered as elements in the calculation of the premiums. These
result from a saving in the mortality of the members of a Company owing to the medical selec
tion of good lives, a gain in interest on the investments of thu Company orrr that assumed in
the calculation of its premium*, the profits derivable from the lapsing and surrender of Policies
by the members, and from other minor sources.
Profits from th<s<c source*; in a con;p.my possessed of a capital of $200,000, and doing a fair
amount of business, would give to the ktockholdei-H dividends largely in exert* of what were
counted on by tho Directors of the I'niierMl at the time of its organization. They have, there
fore, determined to divide among the policv-holders of the Company a large part of the profits
accruing from the sources named, all of which have heretofore been' divided among the stock
holder*.
The plan adapted for such dividends is as follows: Every person who may hereafter insure
with the Uniirrtat will, for the purpose of division, he treated as a stockholder to the extent of
one Annual Premium upon his Policy ; ami u itl timre in the profits of the "tWpany fa precisely the
sowie erteilt ?s a Stock/mlaer owing f>n equal amount i>j' the capital ?lock.
By this systeni of Insurance, original with the Universal, the policy-holder secures the follow
ing important advantages:
Elitsr. /aJutrtcncc at the regular ".SVor/r'' raten, requiring a primary outlay of about tvxnttj
to thirty per cent. /?>s fAoa thtrl chnrtjrd by Mutual Companies, and which is equivalent to a
yearly "dividend" paid in advance of that amount on mutual rates. This low cost of insurance
is worthy of attention. SincQ it* organisation this company has received in premiums from Us
policy-lioldcrs the sum of SI,517,(KM). To effect the sam<> amount of insurance in a Mutual Com?
pany" would have cost them an initial outlay of 42,000,000. By allowing its policy-holders to re
tain in their own possession this excess of'$483,000,ithe l'?iversal has virtually paid them a
'dividend" of $483,000, and paid it, too, in <i//t-<ijire, instead of at the end of one.or more years,
of participation, in connection w ith thu low "stock" rates of premium, most necessarily #<curr to
the lKiticy-holtiers every advantage to be derived from prudent uud carelul management.. ?? ?
The low rates of premium compel economy, and, independent of participation, guarantee to the
policy-holder his insurance at a rate which is not in excess of the cost in well mahsgerrfmutual
coinpunicsr while, by the proposed plan of participation in-what may- be considered lao Ugitir
mate profit* of the business, the cost will be still further diminished.
Thus hv the combined advantages arising from low stock rate and participation in the profits
it is confidently believed that the UNIVERSAL LIFE INSURANCE COMPANY oflera In
surance at its lowest practicable cost. ...
ItfajyThosc of the existing Policy-holders who desire to participate in the Profits under the new
Plan can do so by making application to tho Head Office, or to any of the Ag*nts of the Com
panv.
7 he Company is in a round financial condition.
Jtatio of Asset* to Liahilities 140 to 100.
B6F-GO0? RELIABLE AGENTS' WANTED, who will deal direct with the Nef York
Office, and to whom full General Agents' Commissions will be paid. ?;>-.????*i/ % , ,
M.W.GARY,
M. C. BUTLER,
State Superintendents 6/ Agencies
Columbia, S. C, September 11th, 1871,
. iu% x^yjui si.:..