VI 



Journal of Agriculture, Victoria. 



[10 May, 1919. 



"Hints on 



Pruning" 



Is the title of a little book, contain- 

 ing a splendid article on How, 

 When, and Where to Prune, by 



E. E. PESCOTT, Esq., F.L.S., 



Pomologisl, Science Branch, 

 Department of Agriculture, Victoria. 



Also gives particulars of the latest pruning 

 tools and spray pumps we have in stock. 

 It is Free to All, Send your 

 address and receive one by return mail. 



Proprietary Ltd. 

 For Farm and Orchard Tools 

 554-88 Collins St., MELBOURNE 



CREDIT FONCIER 



V. 



Loans on Farms 



UP TO TWO-THIRDS OF VALUATION 



In sums from £50 to £2,000 

 At 6 per cent. Interest 



and from 1| per cent, in reduction of principal, which pays off the loan 

 in 27h years. 



Loans granted on Freeholds, or Crown Leaseholds which could be 

 made freehold at any time on payment of the balance of Crown Rents. 



No Charge for Mortgage Deed 



Loans may be paid off on any half-yearly pay day, subject to a small 

 charge if paid off within the first five years, but no penalty after five years. 

 Forms may be obtained at any Branch of the State Savings Bank, or 

 by writing to — 



The Inspector-General, The State Savings Bank, 

 ELIZABETH STREET, MELBOURNE. 



