“Well, Jake Curtis isn’t the right party. I’m sure of that. He knows it will be hard for me to pay the debt I owe him and I think he means to take advantage of me if he can. I’m to see the president of the First National bank today and ask him for a loan. Jack said he would take me to town in his car. Won’t you come with us?”

Madge replied that she should not leave but Anne coaxed her until she gave in. They crossed the lake and found Jack waiting with his car. He seemed well pleased that Madge was to go along.

At Luxlow he dropped the girls at the bank, promising to call for them in an hour. They entered the building and Anne was admitted to the private office of the president. Madge waited outside.

Fifteen minutes elapsed before Anne emerged. The expression of her face disclosed instantly that the interview had not been successful.

“It’s no use,” she reported when they were outside again. “He listened politely enough to my story but he wasn’t really interested. When I finished he said he was sorry he could do nothing for me. It seems the bank must have sound collateral and I’ve nothing to pledge.”

Madge tried to cheer her companion, and since over a half hour remained before Jack would return, suggested that they go to a nearby drug store for ice cream. They walked slowly down the street, gazing at the window displays.

Suddenly Anne clutched her friend’s arm, gripping it with a hard pressure. With a quick jerk of her head she indicated a man on the opposite side of the street.

“There’s Jake Curtis!” she said tensely. “I hope he doesn’t see me!”

No sooner had the words been spoken than the man turned toward the girls. He was a short, stout individual with ill-fitting, somewhat soiled clothing and a hard, shrewd face. Before Anne and Madge could dodge into a store he crossed the street and confronted them.

“Trying to avoid me, eh?”