The difficulty which swallowed up the Governor’s fortune, and that of his wife, resulted from his endorsing notes for a friend. This friend was Robert L. Walker, a capitalist banker and manufacturer, of Youngstown. Mr. Walker was president of the Farmers’ National Bank of Youngstown, the Girard Savings Bank, a stamping mill company, a stove and range company, and was interested in several coal mines in Western Ohio and Eastern Pennsylvania. He was one of the strongest men in the community, was supposed to be worth more than $250,000, and enjoyed the confidence of everybody who knew him. When Major McKinley returned from the war and was ambitious to become a lawyer, he found the struggle a hard one. His service as a soldier had not enabled him to save anything of consequence, and when poverty pressed him he turned to Mr. Walker for aid. He was not disappointed. Mr. Walker proved a friend in need, and the Major was not the man to forget a kindness. After he entered political life, he again had need of financial assistance. In his first congressional campaign his expenses were heavy, and it became necessary for him to raise $2,000 with which to cancel a mortgage on his wife’s property. Mr. Walker loaned him the money, and it is probable that at subsequent periods other loans were made to the Major. He was constantly under heavy expense, owing to the illness of his wife, and had no regular income save his salary of $5,000 as Congressman. The first loan was repaid by Major McKinley out of his salary within two years, and it is certain that all of his subsequent financial obligations were promptly met up to the time of the crash. Under such circumstances it was not strange that Major McKinley, having become Governor, and having become possessed of some money of his own, should be called upon to help out his old friend when he needed a little accommodation. Mr. Walker applied to the Governor to indorse his paper from time to time and the Governor willingly accommodated him, never questioning the amount, nor the circumstances for which the money was required. These accommodations were spread over a considerable period of time, and it is probable that in the course of his business Mr. Walker took up many of the notes endorsed by the Governor. But his affairs became more and more involved, and early in 1893 Mr. Walker informed the Governor that he was in great need of money and asked the Governor to endorse his notes, which he desired to have discounted. The Governor did not hesitate an instant. The man who had befriended him needed aid, and so far as the Governor could render it he did so. Governor McKinley understood at the time that the notes signed by him aggregated about $15,000. They were good at any bank in Ohio, and no trouble was experienced by Mr. Walker in discounting them.