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Refers to a number of business matters but refers mainly to the dispute with W. Cuthbertson, stationer, setting out his observations on the matter.

Refers to the poor financial situation of the Eastern and Colonial Association Ltd. Outlines the debts owed by the company and to Victor Branford and to John Ross. Requests payment from Geddes for moneys owed and asks for ideas as to how to raise further capital. Ross advises he does not have the capacity to do so himself.

Informs Patrick Geddes that he has received a letter from Walter Fletcher, that he has arrived at Nicosia and will stay with Julius can Millingen. Mention of Andrew Dunlop.

Refers to Coltbridge plans. Mention of McArthy and Watson. Mention of plans for farming at Crawford Bank, Lasswade. Comments on his dread of initiations of Geddes' schemes which he argues are founded on bonds in sympathy on Geddes' part and self-interest in others. His desire to see Geddes to take more trouble over the details of schemes at the outset so that they may be successful.