"Mr. Cole is a nominee of your uncle, of course," Brandon went on, with a little nod of acknowledgment for the other's thanks. "Your uncle makes a point of never sitting on boards if he can help it, and has never been represented except by his solicitor since he acquired so large an interest in the bank. As a matter of fact, I think Mr. Cole is coming here as much to examine the affairs of the branch as to look after your uncle's account. Cole is a very first-class man of business, isn't he?"

Frank's answer was a grim smile.

"Excellent!" he said dryly. "He has the scientific mind grafted to a singular business capacity."

"You don't like him?"

"I have no particular reason for not liking him," said the other. "Possibly I am being constitutionally uncharitable. He is not the type of man I greatly care for. He possesses all the virtues, according to uncle, spends his days and nights almost slavishly working for his employer. Oh, yes, I know what you are going to say; that is a very fine quality in a young man, and honestly I agree with you, only it doesn't seem natural. I don't suppose anybody works as hard as I or takes as much interest in his work, yet I have no particular anxiety to carry it on after business hours."

The manager rose.

"You are not even an idle apprentice," he said good-humoredly. "You will see Mr. Rex Holland for me?"

"Certainly," said Frank, and went back to his desk deep in thought.

It was four o'clock to the minute when Jasper Cole passed through the one open door of the bank at which the porter stood ready to close. He was well, but neatly, dressed, and had hooked to his wrist a thin snakewood cane attached to a crook handle.

He saw Frank across the counter and smiled, displaying two rows of even, white teeth.