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Lloyd died before redeeming the situation and the Union Bank did not long survive him. Its affairs were not the least complicated part of the winding up of Lloyd's estate. Herbert Lloyd's ventures into politics and banking were based on a solid business practice as an attorney. His first partnership was with Jones and Howell, namely, Thomas Jones of Job's Well (1741-1790) and Thomas or Richard Howell of Carmarthen, possibly both. Thomas Jones, the son of a stalwart Blue of the same name nicknamed The Admiral' though he was in fact a captain in the navy was father of John Jones of Ystrad (1777- 1842), the astute politician who was to outdo Herbert Lloyd in the management of Carmarthen borough. That Thomas Jones was a congenial partner to Lloyd is suggested by a letter written soon after his death in which the question is raised as to what Herbert Lloyd would do now he has lost his friend '.50 The answer was that Lloyd admitted as partner John Gwynne, articled to him on 11 August 1784 for five years in consideration of £ 210, and admitted a solicitor on 29 August 1789. This John Gwynne was the natural son of Marmaduke Gwynne of Llanelwedd, a scapegrace Radnor- shire squire and distanct relation of Herbert Lloyd, whose widow, Frances, born Parry of Noyadd, entrusted the management of her affairs to Lloyd.51 To complete the partnership picture, Thomas Howell was succeeded by his son, Walter Rice Howell, baptized at St. Peter's on 14 April 1781, who shared Lloyd's Red politics. On 9 May 1811 Herbert Lloyd opted out of the partnership as from the following day in consideration of the long and faithful services' of Gwynne and of £ 2,000 from W. R. Howell as well as a pension of £ 300 per annum payable by Gwynne and Howell, the latter proceeding to raise £ 2,200 for his purpose by a mortgage on property in Llanboidy. Lloyd reserved his agencies for Mrs. Frances Gwynne, the Misses Mary and Hester Kymer of Kidwelly, Mrs. Jane Wilson of Lincoln, his kinswoman, Mr. Richard Thomas of Hollingborough near Maidstone, George Wyke (husband of Charlotte Philipps Meyrick) and David Rice, and for the Llwydjack estate, and for what he termed my personal business at law' as well as his appointments of clerk of the peace for Cardiganshire, cursitor for the Carmarthen circuit, chancery clerk for the same and clerk of the militia meetings for the same county. He also retained his clerks William Jones and John Morgan, while offering the use of them, of the office in King Street, and, if desired, of his name to the remaining partners. Gwynn and Howell then formed 50 Cwmgwili MS 329. 51 G. E. Owen MSS 6147, 6165. I am indebted to my friend Mr. R. C. B. Oliver of Llandrindod for help in identifying John Gwynne.