FIRST OAMARU PERMANENT BUILDING AND IN VESTM EN 'J' SOCIETY Incorporated under Aot of Parliament, 187S Hankers : National Bank, Oamaru, Solicitors : Messrs liislop and Creagh. Offices : Wear stroot, Oamaru, [President : S. Gibbs, Esq. Directors ; Mr Thomas Prootor Mr Josepn Booth Mr J. H. Milligan. Mr J. W. Humphrey Mr W. H. H. Roberts Mr Jas. Hassoll Mr J. Smith Mr M. Grant Secretary : Mr John Hardy. The Sooioty receives deposits of from £10 to £2000 on tho following terms : At one month's notice 5 per oent,  twelvemonths' , ... ... 6,,  Lcnuors havo all the advantages and socunty of Bank Depositors, and interoat fei every day on which thoir money majr be <■ the hands of the Sooiety. JOHN HARDY, eel 7 Seoretar Oamaru, Aug, 20, 1881.
BPP | B (IiUKAKFAdT) IOOCOA. BY a Thorough Knowledge of the natural laws whioh govern tne operations of digestion and nutrition, and by a oareM application of tho fine properties of well- selected cocoa, Mr Epps has provided our bieakfast tables with c delioatoly-flavc-ei beverage whioh may savo us many beary dootors' bills. It is by the judioioua us* of suoh artiolea of diot, that a oonatltutiom may be gradually built up until atrong enough to resist every tendenoy to disease. Hundreds of subtle maladies are floatin around us, ready to attaok wherever there 1 a weak point. We may esoape many a fata abaft by keoping ourselves well fortified with pure blood and a properly nourlshe4 frame,— The Civil Servloo Gawtte, Made almply with boiling water or milk. Sold only In packet*, labelled — JAMKH EPPB ft CO l HoHIRPATHTO (}n«MIKT* a\*«rn«w Also — EPPS CHOCOLATE ESS SNOH, for afternoon uso,



GRATEFUL— COMFORTING!



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