I walked down into the railroad yards, found a place between two box cars and prayed for nearly an hour and a half-back and forth I went praying that the Lord would "speak to the dear man and make his heart tender toward this poor man and his family." I went back to the bank and the good man met me. He invited me into his office, and when we were seated he said, "I have thought the matter over and I am going to loan you the money; now what security have you to offer?" I said, "I have a bay colt, a couple of calves, an old wagon I paid seven dollars for, and some other little trinkets." "Well," he said, "the colt as it grows will increase in price--good horses at that time were only worth about fifty dollars--and the calves also will increase in value. How long a time do you want?" I told him I thought eight months. Then he told me that their charge for such loans was 12%, but that he would let me have it for 8%. Three weeks before the note came due I went to see him. My purpose in going was in regard to the loan. "Well," he said, "it is not due yet; we have not sent you a notice." I told him that I was wanting to know whether he would extend the time on the note. He asked me whether I had anything at all to pay on it. I told him I had only $50.00 and the interest. To which he replied, "That's fine." It took me two years instead of eight months to pay off the loan; but I was always on hand ahead of time to get the extension. When I made the last payment he gave me one dollar. I went to see this banker some years later, and I asked him what it was that had made him so kind to me. Tears came into his eyes, but he did not answer--and my eyes were moist as well. He turned and from a drawer took out a small tract in which was an account of his boyhood life and experiences. His father died when he was eleven years old. He took a job as ship boy on board a ship and went through untold hardships to help support his mother and his six brothers and sisters. When he was about seventeen he came to America and located in Wisconsin. When the Civil War was on a certain rich man came to him with an offer of several hundred dollars if he would act as substitute for his son in the army--which offer, however, he refused. Some time later he became acquainted with a family in which were seven children who were very good to him. One day word came that the father, who was a soldier, was killed in action and that the oldest boy was to be taken to fill his father's place. Whereupon young Torp stepped up to the boy and said, "You go home and take care of your mother and the family and I will go in your place--free of charge." The Lord was good to him and protected him; very soon he was promoted to the rank of an officer--and so the booklet continued, telling of his life's experiences.