Depositors. Deposits & premium. Coals distributed. 1851 367 £181 17 1 145 tons 1852 425 209 2 10 174 tons 5½ cwt. A similar table indicates a similar satisfactory advance in the Clothing Fund, which has never retrograded since its establishment:— Families Amount deposited. Amount spent. depositing. 1849 73 £36 19 4 £42 14 7 1850 124 55 17 5 65 8 5 1851 157 66 15 0 72 12 6 1852 190 78 14 1 91 19 9 In the Winter Club, on the other hand, there has been a large diminution in the number of Depositors, consequent on the reduction in the interest which, in former years reached the excessive rate of fifteen per cent. on the sums received; the result was, a disproportionate accession of members, some of whom were not entitled to avail themselves of its benefits. By means of the Visitors these impositions were detected, people depositing in false names and residences exposed, and instances of fraud from one person holding several cards prevented. By lowering the interest about one half, the temptation to deception has been lessened; and so healthy is the present condition of the Club, that no case of artifice occurred at the recent repayment of the principal. Its statistics now are— Depositors. Deposited. Withdrawn. Paid. 308 £309 6 0 £40 3 6 £289 2 5 Of its 308 depositors, 89 were also depositors to the Coal and Clothing Funds. The Provident Club, instituted for the reception of small sums, from one penny upwards, is also doing its best to strengthen the same practical thrift. Though open all the year, its chief receipts are taken, as might be rationally concluded, during those months when the other funds are not in operation. In one District, where the Visitor herself collects the weekly savings, the comparatively large sum of £8 has been set aside. As no interest is allowed in this Club, such a fact goes far to confirm the opinion that it is safe keeping, not usury, that the poor desire. Nor could a more pleasing proof of their confidence in their Visitors be adduced, than that afforded by the simplicity and good faith in which they trust their money to their charge. The statistics of the Club may be thus condensed:— Depositors. Sum deposited. Balance from 1851. Withdrawn 1852. Balance. 128 £24 6 4½ £7 11 5½ £20 12 8½ £11 5 1½