"The father of the boys was a manufacturer, and was also president of the bank in the little city where they lived. A bank is a place where other people's money is kept for them, and whenever the people who keep money there need any, they come and get what they need. When Tom left college he was taken into the bank, and before Bill's graduation had been advanced to the position of cashier, and had married a very fine young woman. The cashier is the man that has charge of the money in the bank.