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[Page 171]

Conflicting rumours had already reached me, respecting Mr. Napier, but I am non the less obliged to you for what you mention upon this subject.  It is to be hoped that the Directors will institute a searching enquiry, and that the whole affairs of the Bank may be thoroughly investigated.  My misgivings were about a year ago aroused, by the non receipt for a considerable time of one Australian remittance, and we were in consequence put to some inconvenience.  A  strong remonstration to Mr. Napier, failed to bring me a satisfactory explanation, but nothing certainly occurred to entitle me to [indecipherable] upon him a misappropriation.  The blame of the delay was shifted to the shoulders of Mr. Niell (the Secretary) and I cannot say that I regarded his rejoinder, as in any respect a justification.  When one repents and apologises, and promises of amendment for the future.
Emmeline and I have lately returned from visiting some friends at Sandhurst, and we spent a few days there in much enjoyment of the very pure air, and the neighbouring 

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