University of South Carolina Libraries
The two most prominent banking and finance systems now being pressed for legisislation are 1st, The plan Mibmitted by Secretary Carlisle and 2nd The plan adopted by the llaukers Association at lialtimore known as the Haltiinore Ulun. Of these the former, coming as it does from the administration, is now receiving more attention and consideration. The plan submit- i ted by Secretary Carlisle is briefly as follows : ! ! ---ii AVptfVi' aiT taws requiring or aulhoriz- fc ing the deposit of United Slates bonds ns r security for circulation. I 2. Hermit national bauks to issue notes to an amount not exceediug 75 per cent, of their paid up and unimpaired capital, but ? require each bank before receiving notes to j deposit a guarantee fund, consisting of 0 United States legal tender notes, including Treasury notes of 1890, to tlie amount of .10 per cent, upou the circulating notes out- (] standing to be maintained nt all times and whenever a batik retires its circulation, in whole or in part, its guarantee fund to be y returned to it in proportion to the amount of notes retired. g :{. Retain the provision of law making v stockholders individually liable, and provide that tho circulating notes shall cousti- p tute a first lien upon all the assets tf the j buik. J. Impose a tax of \ of 1 per cent, per c annum, payable ecini-annually, upon the j averaire nroount of notes in circulation, to ? defray the expenses of printing notes, oflicial supervision, cancclluU^n, co. f>. No nat'onal baiik^^Ke io be of less denomination than $10, and all notes of the same denomination f be uuiforui in des gn ; ' * but banks desiring io rcde^ their notes in gold may have tlitut niau^payablc in that , coin. The {Secretary of the Treasury to H have authority to prepare and koep on hand c ready for issue upon applic lion a reserve of blank national notes for each banking association having circulation. j 0. Require each national banking association to redeem its notes at i's own oilice, or at its own oilice aud at ngeucie* to be designated by it. 7. To provide a safely fund for the iin mediate redemption of the circulating notes r of failed bntiks, impose a tax of one-half of p 1 per cent, per annum upon the average circulation of each bank itn>il the fund j amounts to 5 per cent, of the total circula lion outstanding. Require each new bauk, 8 a:.d each bank taking out additional circu- | lining, to deposit i's proper proportion of this fund before receiving notes. When a ^ hank fails, its guarantee fund held on de- ( posit to be paid into the safety fund and p used iu the redemption of its notes, and if this fund shall be impaired by the redump- j tion of the notes of failed national banks, ? nud the immediately available cash assesis of such banks arc iusutiicient to re-establisli the fund, it shall at once be made good by . pro raia assessments upon the other hanks, according to the atuouuis of their outstutul ing circulation ; out mere snuu uu u msi lieu upon all the assets of the failed hank or banks, to reimburse the coutrihu'iug banks. The safety fund may be invested in outstanding United States bonds having the p longest time to run, the bonds and the interest upon them to be held as part of the fund and sold when necessary to redeem s; notes of failed hauks. S. Kepcal tho provisions of rcorgan ' i- t( lion ntul extension act of duly 1U. 1 Hsii, u imposing limitations upon tho reduction p ami increase of national hank circulation. 11. lto?eul all provisions of law requiring banks to keep a reserve on account of de- ,, posits. ,1 10. The Secretary of the Treasury may, v in his discretion, use any surplus revenue in j: the United States in the redemption and retirement cf Uin ted States legal lender f, notes, but such redemption sliall not in the a aggregate excecl an amount equal to 7<t per n cent, of the additional circulation taken out ] l?j National nud Statu bnnks Ulli'cr the sys- q tern heiein proposed. p 11. Circulation notes issued by a banking corporation duly orgini/.ed under the laws pf any Male, and which transacts no other p than a banking business shall be exempt from taxation under the laws of the United ^ States, when it is shown to tho satisfaction 5 of the Secretary of the Treasury, nud Comp- t, (roller of the Currency : 1. That such banks has at no time bad outstanding its circulat- p : ? -4" - T"? nor Ihtnlllhl t%f if< lllg IIUICS III CIVlli <J. ... ,-x.. OI laid lip an<l unimpaired capital; 'J, tii-it its ], stockholders are individually liable for the redemption of its circulating notes to the full extent of their ownership of stuck; '>, that the circulating notes constitute by law a first lieu upon all the assets of the bank, 4, that the bank has al all times kept a guarantee fund in I'nited States legnl lender n notes, including Treasury notes of Jstui w e?|Uiil to in per centum of its outstanding n circulating notes; and 5, thai it has promptly e redeemed its notes on donian 1 at its principal ollico, or at one or more of its brunch 8< oflices, if if has branches. 1'J. Tlie Secretary of the Treasury may, " under proper rules and regulations to be established by him, permit State banks to procure mid use in the preparation of their ' notes thu distinctive paper used in printing 1 United States securities; but no State bank ahnll print or engrave its notes in similitude .w of a United Stales note or certificate or ^ National bank nufe. ('l This plan you will observe remedies two tl very apparent defects in tlio National Hank- 'l ing System. First, the want of elasticity . ^ Under our present system the banks have to deposit over a hundred dollars in bonis, for p the bonds are above par, to secure cvety 'l ninety dollars issued ia notes, and on re- |( tiring their notes they are compelled to tl \vait six months before they are allowed to make a new issue. Under the above nlnn 1 . n the banks would have to doprsit only thirty jdollars lor every one hutidrc 1 dollars issued \\ within I lie limits prescribe*!, ami notes ' Could 1)0 retire'! ami reissued to suit the convenience "!' trade. Second. (Sov.rnriieiit liability to redeem ' in coin and obligation to reissue Tre?-ury notes. Under the present system it is possible for those commanding large amounts cl of money to systematically deplete the 'reasury of gold and thus compel the issue of bonds from time to time. This is actual- S( ly being done now whether deliberately or w not wc cwinot tell. Of course this could " (M not be done under Mr. Carlisle s plan as C( under it the government is entirely exempt from all liability in the premises, except to the extent of the redemption and guarantee funds, and the banks themselves are ulti- ' niite'y liable pro rata for the redemption of j' all bank notes issued. The currency would OCrtaiuly not he as sate as it now is, tbough V tlie Secretary thinks it would be sufficiently " safe. The Baltimore Plan is much like Score- m tary Carlisle's, in its general get up, but 11 there is one point which makes them en- r tircly different : The Baltimore Plan would si still make the Uovernuiont ultimately re- w sponsible for the redemption of tlio notos. '' It would dispense with tho bond security and the only security to the government w would be tlio prior lien on asset". and liabil- ' ity of stockholders as at present and nil ad- ,( dilionat fund of fivo per cent, on circulating bank notes under the limitations named. m This woul I ecitainly g vc elasticity, but it me has the objceUou able feature which the Secretary d-sites to eliminate, namely, Gov- 0 cot ernnient responsibility for the redemption ftn, of tlio notes. wil Mr Carlisle tetitl and explained his plan be- ,oc fore the Ways and Means Committee of the cor House of lleprtscnt.-itives last Monday anil nn( on Tuesday a bill embodying his Ideas was am formally introduced iu ihat body <v/ pess it will cer aitily be u wonder if tho bill V in s ilie gauntlet with safety and gets to hnu >c n la ?RU The -- 18., The North l'ocolet Interdenoniiuational ~ iunday school convention will meet at Abngdon Cr ck church on the 2od inst at lO.oO !:oni fclock a. m. I,ut Tlio fol owing is the programme : 1. Devotional exercises, by J. Wesley San- " a lers, chaplain. Jrt,vr 2, Knrollment of schools and delegates. l^e Klcction of . Miccis for the ensuing ear. ' 7 4. llible lc-son, c inducted by Prof. It. 0. (|r lams. The less m will be Isaiah ix : 2-7 11 ^ orse*. inclusive, ",0! o. What i.re tbc bent-tits to be derive! !Ul rom Teacln-is meetings 7 Discussed by T. "l x I. l^ttlejoliu and others. 0. How those (old as well as young) who H'J') annot rend to be taught the Scriptures? iscusscd by Wm. Jett'erie-*, 0. W. Whiso* |,r' ant, and others. ' IC 7. Ouestion box. ".* 5. Miscellaneous. '.IC^ Kacb school it entitled to a; least 3 dele 1 ,ei ales. An interval of l"i minutes wiil be i ?ken during the day tor lut.eli and other cfresliment. Ail who feel tin interest in lie work tiro icpt red t>? tiring their bibles, iVt ml evcryb sly friendly to the Sunday school 'e.? ause is invited to be present. Prof. A. G. Davis and lii-s choir are re- *' poet fully invited io be present and furnish lie ocea-ioti. J. I. Sth tix, "ie,| for Comiiiittce. ln,S! case Ttie Middle Section of the Broad ltiver nie" laplist S. S. Union will meet with Kiltetlicl J?. hurcli on huiturdny before ilie liftli Sunday ' ': ii December, 18'J-t. 1st. Introductory sermon by Itcv. F. C. 1 10 lickson. ' ns 1 Jnd Wlint is c ui-cionce, and how fur FilM liuiild it be a guide to our ncti-n. T. M. iitibjobn and Wesley Sanders. ?)rd. Can a christian b. consilient who cen! tiows of a brother living in disorder and a"' ukes no steps lo reclaim tiiin? W. Sain se iipsconio and 1*. S. Webber. 4th. Is it not as much a church member's uly lo attend Sunday Sehoil as the rcg- J111 lur church meetings. J. A. Dailies aud uimosCliry. 0. W. McKuws, lc.! for O.mmiitee. Vs' son OUR CORRESPONDENTS. Sodalia." Dkc. Sth.?Our last communication j1,"1.' eached tho waste biskct or some ether ' i i wor igcjii hole. (, Cotton is about nil gathered nod being ..* ! i ii tic 1 i endy for market, but such a market! '. ' oiiic are killing hogs whilo others arc siill . ceding in order lo make then, good fit sons 1 . . o have plenty of lard. We can't boast of !J^ ny very large hogs, yet 1 have had tlio "J ., leasure of seeing sever.?! three hundred s|^ ouudvrs. .. 'l'iic young folks ,are anticipating gay lines Christmas. It ii a'readv wliisnerul ie Iiat there will bo a grand display of tiro rorks. and probably nn Xmis tioc at Si-da (J0 1 in. jj He received n letter lVoin our eld time (| * rieiid this week, Dr. J. II Johnson, lie was ^ popular physician in this county fur a umber of years, lie emigrated to Texni in 80S, ivlicry lie has had a lucrative prnctic?. lc 'lie cot tun, crop is large- in Freestone county, ut the corn crop short on account ot rought. lie says : "we arc very glad to eeeivc the Timks; we rend the locals, es- .. ccially from Sednlia, with much interest S,UI Mrs. Kli/i Buhl died at her son-in-laws, .,ou buries Maysc, l'ec. 1st, nnd w s buried .on iinday evening, in tho Nc?v l'rospect ceine- . 8 try, by the aide of Iter husband, N F. Hobo, ls ho Imd preceded her to his last iv-ting p"V>Y lace years ago. The decease! leaves a an ami daughter and two brothers, with a | ? ost of relatives to mourn her loss. 171 C. It. It. J Joneavillo. HE D?:c. 10. ? H e arc having but litle winter eat her as yet and our people are somehat troubled about killing hogs. The ? eat her the past week was warm and most very morning was damp anil foggy. i 3.1 Kev. J. 8. l'orter preached his farewell niuon in Joucsvillc yesterday, lie will iovc to Paculvt this week, his new hold of ihor. llev. H. W. Spigner will move te ie parsonage here this week. Mr. Sp ger conies from Timnionsvilte circuit, l),arngtou county, llev. A. A. James filled is pulpit hero yesterday evening. Mr. T. k- Foster wiis in our town last dN'l cek preparing to bore some wells. Tlrid as a coined hoy thai works with him and e ea>8 this li?y very often goes down into 'iu icsc bored wells. Well, 1 went through I III ic late war'froin Fort Sumter to Appomatix : 1 was in charges upon infantries, reast works and batteries ; 1 crossed the * ar at Charleston in small skiffs when the pa was rough ; 1 have been up to tho top I inacle of Saint Micheals steeple in t'hir |t ston : I have also been up the Washing>n monument in Washington city, five _ . undrcd feci above terra tirma. but I'll CI ever go iu a bored well, no never. Vjl Prudence Lodge. No. Id!', A.*. F.\ M lecled the following olficers la<t Sjturday ight for the ensuing year: W. II. II. icvilt, W. M. : 1'r. W. t?. Southard, S. W. ; II S ll..i-1-ia 1 W 1 VV <....11 'P?.? . "W. Ilalcs, tfcc. ; J. L. McWbirlcr, S. |). ; . 1*. (('Shields, .1. I),, l>. A. '1'. Fair, ft. t. Scott, Stewaids; II. IV. GussetI, Tiler. (Iiir Town Council informs me dial the wn is out of debt, which is About ilio only T"| muci n 1 have honril of lately that was out Li r iidt. P J Mr. T. II. Cure, of Cross Keys, attended liurcli in Jonesvillc yesterday. 2 Mr Sam Slack, of the Cherokee nation, cut Saturday night with me. I mention- ?, I seeing Mr. Stack in a ooniinunication j one time ?ince, I said then that Mr. Stack J? as from Oklahoma. 1 was mistaken, lie lives i the Cherokee Nation. It is very intertting to hear hi in talk about his far way nintry. i'ri.Ki'iiusi:. ~ ? lffl Etta Jano. Ml l?rc. lit.?To General Marcus J Wright, of ic National War ftecord oflice, Washington, . (J., we arc indebted for a copy of (ion. ce s last order to the army of Northern irginia. which is as IVlows eadi|iiavters Army of Northern Virginia. DRU April lu, 1 Hi'.'i. "After four years of arduous s.rvice, miked t?y unatippasscd courage nnd fortiide, the army of Nmiheru Virginia has con compelled to yield to overwhelming umbers and resources. I need not tell t'ae trvivors of so many hard fought battles, ho have remained steadfast to the lust, I int 1 have consented to this result from o distrust of them; hut feeling that valor ud devotion could ucoomplish nothing that ~ ould componsate for the loss that would ave attended tho continuation of the con* st. 1 have determined to avoid the useless |> icritice of those whose past services havo ollic ndearcd them to their countrymen. in i Hy the terms of agrjeuicnt, officers and S in can return to their homes and reuinin jro until exchanged. You will take with it the satisfaction licit p-ocecds from tho isoiousuoss of duly faithfully performed; i 1 earnestly pray that a merciful God II extend to you IPs blessings and protiou. iViih an unceasing admiration of yoty istuncy and devotion to your coiiatr/, M I a grateful remcmhrance of your kind 1 generous consideration of myself, I bid t an nfi'ectiei]atc^u?iMM^aapHrffe^~~ f A ppwsy? it. k. Ui:k, General. Vc will be ghul ifs une reader will let iie'j * * w where we can gel a copy of "Drays Memoirs of the American Revolution." > 2ud volume of which was published in 1. iur friend E. V, Going, of Keltcn, is no imou matt : He did something one day week that is without a parallel in Union nty, wo think. If not, we have never rd of it. Our Trial Justice took up a i f?r peddling without having paid bis use fee. lie was a stranger, but the I justice had to catry out the 1-iw. So . . Going, (who never saw the man before y ;new anything about him) went his eecu- I until ho could go home and get the ley and take it t? the Clerk of tho Court pay his license, which he did promptly I r t day as lie agreed to do. Now any man Iv i uiys that "Jock Going" isn't one of the men in the county tel's what isn't so. n i itr thanks are due our honorable Sona- |y .1. T. l'ongl >ss and Representative in Legislature for otlicial documents sent From what we see of the proceedings, ir are hard at work. What we fail to ask ?m ii to do we have no right to condemn^ m n for not doing. / ^ ast week ur trial justice court was cr?* si in hearing a dispensary ciec. The indeuts were represented by lion. J. M. , before a jury, and a verdict of "nut ty" was rendered. Such liquor ascdnie tin the Statutes as "personal bagg?g?" promptly turned over to the claimants, other was hell by State Constable La'ifor further or lets from the State Cum doner. We \vi ! s.iy, however, tint tlic \JL s was tiie<l before a jury of sis as good " i as arc in the fcftate, nnd after having complex law fully discussed and ex- Ilk ncd decided a* above stated i'c arc decidedly in favor of amending Hawkers ami I'eddlcr's license law. So 0 allow those who barter goods, except I tut medicines, f r chickens, eggs d>iry, I len, orchard or farm products (cxcipt 1 cotton) to do so without paying a lise. We want a market for what we raise O doii'i wish inducely to pay a i'cense to it. This class of ped tiers are a great venicnce to our people who raise such igs for sale, aud it gives them an oppority to exchange them for such things as i y need, without any trouble. To 'ax L se is to tax the producer. We hope os?r slaters wi i consider the inaitcr this seai and see the propriety of the amendJt suggested. iitli considerable intctc-t we arc looking vard to the action of ilie Legislature in matter of selecting a Slate Historian to jh writing up the liis'ory of the South olina ti\ops during the late war. This I) k was delegated to the laic and lamented i. J. B. Kershaw, at the List session of body. But lie died having it unfinished, tuding every arm of tho Mi'itnry service li volunteer and miliiia) mr State furled G*i,OU(l men. Of this number over 1)0 were killed in battle or died from :iise. Fully one-half of whom (clay arc ping in unmarked and unknown graves, nl every prominent battlefield Ka-t of Mississippi,- South Carolina was reprccd. The dust of her sOTi.i"i.v.scattered n Johnson's Island and Elmirn, ?J". V.T to L great llio (Jiainle. The historian wild" ? the tale r f her devotion to duty?ami T sulleting of her people will acknowledge A* every soldier was a Spartan, evciy ~ ural a Ltonidts and every battle a rtn ipylae. \ CL * Vox. * ... llitcklon s Arnica Salient: Hkst Sai.vk in the world for Cuts, ises, Sores, Ulcers, Salt llhcum, Fsver ;s, Tetter, Chapped Hands, Cltilb'ains, is, and all Skin Eruptions, and posily cures Piles, or no pay required. It tarantecd to give perfect satisiactinn or ey refunded. Price "J"> cents j>er box. I SALE HY lb I". POSEY. ANT BROS. ^ ADQUARTERS FOR GRO- ^ CERIES. A LARGE STOCK OF [10A1,, FLOUK, ^ BA.OON, c!> tli salt ) OTIIEK GROCERIES ALWAYS U.N 1 i IVci'less Maptilia Hams. XNDBEST 100 1'KH CENT 1 L O U R , to UGAR, COFFEE, cl TEA, ' ? AM) ? INCY GROCERIES. ? AGGING. TIES, ETC <)f )ont Forget Ef DRUG STORE, < ;i;xr DOOll IIKI.OW FAST MlO,S. Wv have 111 i>iocK a lull line ot j t'.S, PATENT MEDICINES, TOILET ARTICLES. H PERFUMES, LAMPS. LAMP CHIMNEYS, jj OILS, CIGARS AND TOBACCO. IS nii'l Mich tiling usually found in n :IRST-CI.ASS DRUG STORE? ?GIVE US A CALL. is. Mur.ro ninl (Joints have moved their ? to our store and will lie found there ^ lie future. i-lit. It. I We mean your list of Xmas goods, ou can find just the thing you are >oking for in our stock of Holiday lovelties at POPULAR PRICES. 4 Prior to our Annual Stock taking, | 'e offer special bargains in CLOTH- | *IG for men and boys, Ladies CLOAKS, 'f adies' HATS and LONG CLOTH CAS- j IMERES. Another new lot of Dress r? ? ? ~ Goods, just received. EMEMBER'EVERY LITTLE GIRL THAT TRADES $1.00 WORTH IN DRESS ROODS, HATS OR X.MAS GOODS GETS A NICE DOLL FREE, UNTIL THE SUITLY IS EXHAUSTED. 'THE OLD RELIABLE" v u rrn^Tial rn ! *11\ A UU1JJ11 VX Givers of Good Values." J PREPARE FOR W1 XIMiAfSiJ ATf> i ???????? ^ilV 1TE have just finished filling up the breaks made in /^\rj [\[ our large stocks of Dry Goods, Notions, Millinery, v_/ othing, Shoes, Crockcryware and Tinware. By buying from M ese goods late in the season we are prepared to oiler you Trad miotu o I NEW TARIFF PRICES. ? ^ Come in and .^et a new suit of clothes or an Overcoat. Now is the time to lay in your winter Shoes. Do not buy oddy trash but come to us and return home happy. We have just received another lot of thoso popular Capes, nrv he sold at reduced prices. DL.L Our Millinery is going right along as we sell it cheaper an our competitors. The to Sri I atlcmi) Ml) MACHINE THREAD TWO SPOOLS FOR 5 CENTS. -^.1 n ^ 1 Try it and you will use more of it. We are Sole Agents wo,t'i < I KEK1TS SIX CORD SPOOL COTTON, none l,csl 3tter made. We have marked our goods 011 the basis of the low price cotton. Call early as we arc hustling things. Respectfully, ^ . W. McLURE, Agent, tflil CHRISTMAS J$2.50 REWARD. 0 INTA CLAUS HEADQUAR- TI TERS. vict any of shooting fire arms witliin flic I corporate limit of the Town of I'uion. S AGAIN* AT TilK OI.lt STAND OK ]jy order of the Cotinci'. Attest: """ " M. RICE, JR., E. II. J;::> ' - w: ro. ^JUST UNION. IMI'OIITANT A rn.Kp^^PnKi; icitit, imh. N. 0X1 C E . A || - There is already there a line of A '*'* Pa^,'c, indebted to us, either for* T}pr"n /V (tuano or Supplies, uro notified that ? FAMHV ftROflFRIF** the same is now duo, and are earnestly rernrMOT UnOUtmtD, quested to come and settle at onoo as we are 't)\KKCTIONKR1 F<t PPIIT-; FTC needing money to meet our obligations. d)Nr LL l lONl.lUF.S, Mil IT. , I.1C. All accounts remaining unpaid i.n the 5<)th llho patronage of former friends and of December will bo placed in the hands of ew ones will be very mucb appreciated. aU A,,orn<J ,or ?<>Heclion. ^ ^ ^ ^ FIX co 7 it* If. Oct 2C 40 of. KANT nubs. r ". .'S3 ? ? ? NEW YORK L RACKET. TIIE ONLY STRICTLY ONE LOW PRICE HOUSE IN THIS PORTION OF TIIE STATE. We believe that "a swift penny is better than a slow dime," and carry the idea right through our business, never asking 10 cents for an article we could sell at (> cents. We are having the biggest trade this wintor we have had since we opened up*. All be- { cause the people know that they can get more goods lor their money at THE RACKET, Ki than anywhere else in tin4 State. From now V ^ until Xmas we will show von some of the 4>, " BIGGEST "PLUMS" JB ever seen in Union. Goods bought lor cash at half [>ricc, and all go to you at . * ONE CLOSE PROF 1 H Good Heavy Plaids, enly -I cents. Good yard-wide Shir ting, 4 cents. H| Good Pant Jeans, only 8.' cents. Good all-wool Jeans, only ICS cents. All-wool Twilled lied Flannel, 15 cents. . ^Hj Good lied Tick only 5 cents. V Good Canton Flannel, only 5 cents. p Good Dross Calico only 4 cents. S ^Hl Good wool-lillcd Dress Goods, Scents. Ladies and Misses Iilnck Hose, 5 cents. ? SHOES -i To suit the people away below what you can MM them at elsewhere. The best and cheapest stock of VH CLOTHING AND HATS in this part of the State. You cannot alVord to buy anything in our ^ line without iirst coming to us for prices. HARRY & BELK. ?Tspf fr m i Iifim m> MM A Wf, )ws greater and grander^ { business is the marvel of tho day a rush all the time. No intervals of dullness depression, but quick movement every minute" onday morning until Saturday night. e pours in from every direction, the whole eounlv furnishes its f customers to tin- daily crowds thatjfill our Jst??rc and swell our ,Y GOODS, SHOES & HATS, 'INATI], MAUXETIZE. ATTRACT. I'OI'I liAltlZK. ;ause our prices are so low.. results we have lvuehed would have been impossible, had we tr'u^^^a l>rv ( Is and Slmes in the iveular hum drum wav. We doi^EH I do JHj WK HAD MR TFTEEX THOUSAND DOLLKA?H >f Dry Hoods, Shoes and Hats to sell, so we determined tluit^^^^H iv to turn the stock into hard cash was to sell them at ^B[ 20 PER CENT. '1 LESS THAN ANY OTHER MERCKANT.__ M I THAT IS WHAT IE ARE DOING. e in and see our priet > an I he convinced that what wc ?.iy is true. IE PUR CELL CASH CO, AT R T. GEE'S OT.n STAND , ? A AJki.ll/, I \i. A. NICHOLSON & SON, I Bankers...^ I EGULAR BANKING BUSINESS TRANSACTED. I 3sits received. Exchange bought and sold. 1 Savings Department. Interest paid I on Time deposits, I am; REPRESENT * id < >J * 1NSUHANCE C O M l ' A N I \ WITH RESOURCES OF OVER $30,OOdEttL B