The body of the letter is probably in the hand of a secretary, although the signature itself is thought to be that of Adam Ferguson. The letter dated 16 November 1815, St. Andrews, was written only 3-months or so before his death. The letter is to 'Dear Sir' and bears the address, James Chalmer Esq.r. / Abingdon Street / Westminster / London
The letter refers to how on 'the other leaf of this paper' there is 'the original of a letter' which will explain itself. 'How a claim of mine founded upon it has originated is not material'. All he means 'is hereby to empower' James Chalmer 'to receive the contents in my behalf if any such be forthcoming'. He has 'requested the Bankers at Edinburgh to concur in giving' Chalmer 'the same power'. He has no doubt that Coutts (presumably the banking house of Coutts) 'upon the sight of this paper will also concur'.
What Ferguson wanted was that 'whatever money should be so obtained may be laid out in the purchase of an Annuity' for his son, Adam Ferguson, 'and in any Fund either publick or private is properly secured for his life'.
The letter does not include 'the other leaf'.