Mr. Andrew Todd Is well known as the manager and one of the auctioneers of the New Zealand Loan and Mercantile Agency Company's Dunedin branch. He was born in Scotland in 1854, and was educated at St. Andrews; was brought up to mercantile life, and came out to the Colonies in the ship “Loch Tay,” landing at Melbourne in 1879. Soon afterwards, Mr. Todd removed to Wellington, where he entered the service of the Loan and Mercantile Agency Company in 1880, as a general clerk. In the following year, he was transferred to Auckland, then the head office, and two years later to Dunedin, as assistant accountant. Mr. Todd became manager of the Wellington branch in 1885, and continued there for over five years, till transferred to Dunedin in 1890 to fill the office he still holds. During his residence in Wellington, Mr. Todd was one of the promoters of the Agricultural and Pastoral Society, and was a member of the committee of that body. He was for some years a director of the Wellington Meat Export Co. Mr. Todd has been a member of the Dunedin Agricultural and Pastoral Society for fourteen years, and was president in 1899. He takes a great interest in golfing, and is now (1904) captain of the Otago golf club. For seven years he has acted as chairman of the Dunedin Stock Agents and Wool and Grain Brokers' Association. He is a director of the Dunedin Saleyards Company and of the Live Stock and General Insurance Company. Mr. Todd was married in 1887 to a daughter of the late Mr. David King, of Roseneath, Scotland, and has two sons and two daughters.