"You see, Bob," said the banker, laying the document on the table, "this contract would be all right if you were sure you had enough sand and gravel to supply Mr. Brady's wants, but you will notice that he does not specify how much material he expected to use, nor does he state when he will require it, and if he took a notion to measure all the sand you have in the pit and issue a receipt for it, he could take it and let it lie on your ground for re-sale; he could do that under this agreement. Also, if you didn't have as much material as he wanted, he could compel you to supply him from other sources at the rate of fifty cents a yard." "Well, what had we better do about it, Mr. White?" inquired Bob. "Mr. Brady's going to go to work on the ditch on Monday morning. He's setting up his caterpillar steam shovel now and getting ready." "Wait a moment," said the banker, as he pressed the button. "I'll see if my stenographer has gone. She usually leaves at noon, but to-day I had some extra work that she stayed to finish--no, here she comes-- we'll have it re-written." "Will you kindly make two copies of this agreement, Miss Brown?" asked the banker. "You see, Bob, there should always be two copies of all agreements-- one fer yourself and one for the other party to the contract. It is always best to have all agreements in duplicate." "You see, Bob," said the banker, as he finished dictating, "I've added a time limit to the contract. A year from now, when I hope they will begin making concrete county roads, your sand and gravel, if the supply holds out, ought to be worth at least $1.00 per cubic yard." "I had no idea sand and gravel were so valuable" said Bob. "Well, I've been looking the matter up a bit lately," replied the banker, "and I wouldn't be surprised if you could get that price for it a year from now--maybe before that even. There isn't a great deal of good sand and gravel in the entire county--certainly none that is as good as yours. If you've something else you'd like to do, Bob, you may stop around in an hour or so and get these contracts. I'll read them over after Miss Brown has them finished, and put my O. K. on them. I may not be here when you return." Bob hastened to the store to impart the information he had obtained to his uncle, but found him so busy loading the farm wagon with his new purchases that Bob had to explain the matter to him several times before he seemed to understand. At four o'clock Bob returned to the bank and received the corrected copies from the president, who was still there. "How much do we owe you, Mr. White, for doing this for us?" asked Bob. "Oh, I don't think I'll charge you anything for this, Bob, although it is worth something to know how to do a thing right, but since I've decided to make our bank the headquarters for farmers, we expect to do little things like this for our friends, so you're welcome to whatever the service is worth."