He was entering up some transactions when he was sent for by the manager. Frank Merrill, though he did not occupy a particularly imposing post in the bank, held nevertheless a very extraordinary position and one which insured for him more consideration than the average official receives at the hands of his superiors. His uncle was financially interested in the bank, and it was generally believed that Frank had been sent as much to watch his relative's interests as to prepare himself for the handling of the great fortune which John Minute would some day leave to his heir.
The manager nodded cheerily as Frank came in and closed the door behind him.
"Good morning, Mr. Merrill," said the chief. "I want to see you about Mr. Holland's account. You told me he was in the other day."
Frank nodded.
"He came in in the lunch hour."
"I wish I had been here," said the manager thoughtfully. "I would like to see this gentleman."
"Is there anything wrong with his account?"
"Oh, no," said the manager with a smile; "he has a very good balance. In fact, too large a balance for a floating account. I wish you would see him and persuade him to put some of this money on deposit. The head office does not like big floating balances which may be withdrawn at any moment and which necessitates the keeping here of a larger quantity of cash than I care to hold.
"Personally," he went on, "I do not like our method of doing business at all. Our head office being in Plymouth, it is necessary, by the peculiar rules of the bank, that the floating balances should be so covered, and I confess that your uncle is as great a sinner as any. Look at this?"
He pushed a check across the table.
"Here's a bearer check for sixty thousand pounds which has just come in. It is to pay the remainder of the purchase price due to Consolidated Mines. Why they cannot accept the ordinary crossed check Heavens knows!"
Frank looked at the sprawling signature and smiled.
"You see, uncle's got a reputation to keep up," he said good-humoredly; "one is not called 'Ready-Money Minute' for nothing."
The manager made a little grimace.
"That sort of thing may be necessary in South Africa," he said, "but here in the very heart of the money world cash payments are a form of lunacy. I do not want you to repeat this to your relative."
"I am hardly likely to do that," said Frank, "though I do think you ought to allow something for uncle's peculiar experiences in the early days of his career."
"Oh, I make every allowance," said the other; "only it is very inconvenient, but it was not to discuss your uncle's shortcomings that I brought you here."
He pulled out a pass book from a heap in front of him.
"'Mr. Rex Holland,'" he read. "He opened his account while I was on my holiday, you remember."
"I remember very well," said Frank, "and he opened it through me."
"What sort of man is he?" asked the manager.
"I am afraid I am no good at descriptions," replied Frank, "but I should describe him as a typical young man about town, not very brainy, very few ideas outside of his own immediate world--which begins at Hyde Park Corner--"
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