This letter is follows that of 15th November 1811 on the same subject and reads as follows.

To:                   William Borthwick, East Lothian Banking Company Office, Dunbar

From:              John Coubrough, Thorn

Dated:              10^th December  1810.

Sir, I call’d on Mr. Brown on Thursday last and put him in mind that I was under the necessity of giving you a positive answer with respect to Willie in 14 days from the date of my last letter to you – he told me he had got a promise of a successor to Willm but he could not come to him for 5 weeks yet and for that time he hoped you would not find much fault but he would do every thing in his power to get him sooner and he even signified that before he would altogether disappoint either you or Willie he would let him away before the other came home – he promised to send me a few lines that I might copy to you but he has been throng and has not got it done be as good as write me in course and let me know if you will (deleted) can wait or not as I have no doubt but Mr. B. will let him go if you cannot wait let me know if you have got any word (?) of accomadation for Willie

I am Dear Sir your most obt Sr.

John Coubrough

Thursday evening

PS this was sent away the length of Falkirk on Tuesday last but Willie brought it back when he received yours and this day I showed it to Mr. Brown when re recomended it to be forward signifying he would suite himselfe to your answer to this – I have through your advise taken all the three shares of the Bank stock and paid in the money to Mr. Peter Muirhead but I expect the exposer is to be at the expence of the transfer your answer in course is expected

J… C…

William Borthwick was the Cashier for the East Lothian Bank.  In 1822 he absconded from this position with his disappearance being the trigger for the failure of the bank.

John Coubrough was also known as "John Coubrough of Ellrig" and is believed to have been a fourth generation freeholder of farming estate land in the Stirling area.  He was a shareholder in the Falkirk Union Banking Company and indeed when the Falkirk Union Banking Company failed in October 1816 caused him to sell Ellrig in order to satisfy his obligations as a shareholder.

William Coubrough was the son of John Coubrough and at the time of this letter was in the employ of "Mr Brown" who was James Brown, Cashier of the Falkirk Union Banking Company.  He took up the offer of employment with East Lothian Bank and was initially employed at Dunbar.  In 1814 he took up the post as Agent for the branch office in Selkirk.

It would appear that John Coubrough purchased 3 shares and was therefore a shareholder although this requires investigation.

Peter Muirhead, whilst not operating a branch in Stirling, appears regularly to be remitting cash and bills from Stirling to the Edinburgh agents of the bank.