First class passengers will be allowed ten per cent. for the stuffing of
all carriages, except the one immediately next the engine, which will be
charged as above.

STOKERS.

Same as engineers, but a very liberal allowance made to such as the trains
have passed over more than once, and a considerable reduction if scalds
are not included.

_Exceptions_.--All who have five small children, and are only just
appointed.

SECOND CLASS PASSENGERS.

In consequence of these travellers being generally more thickly stowed
together, the upper half of them have a chance of escape while crushing
those underneath, so that a fair reduction, still leaving a living profit
to the directors, may be made in their favour. Thus the terms proposed for
effecting their policies will be ten-and-a-half per cent. under the first
class.

To meet the views of all parties, insurances may be effected from station
to station, or on particular limbs. The following are the rates, the
insurers paying down the premium at starting:--

£ s. d.
First Class, leg ............................................ 1 11 6
Second ditto ditto .......................................... 1 7 9
First class, arm ............................................ 1 0 0