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26 even in his annoyance, and Peter was moved to contrition and apology.

"I—I really beg your pardon!" he said. "I do hope I haven't offended you; and, if you will allow me, I shall consider it a personal favour to be allowed to open an account with your bank. It would certainty be a great convenience to draw some of this superfluous time at some future day, instead of wasting it now. Where do I sign the form?"

The Manager was appeased; and produced the form once more, indicating the place for the signature, and even providing a stylograph-pen for the purpose. It was still somewhat of a relief to Peter's mind to find that the ink it contained was of the ordinary black hue.

"And now, about cheques," said his friend, after the signature had been obtained. "How many do you think you would require? I should say that, as the deposit is rather small, you will find fifty more than sufficient? We shall debit you with fifty seconds to cover the cheque-book. And we always recommend 'bearer' cheques as, on the whole, more convenient."