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Show THE RICH COUNTY READER, RANDOLPH, UTAH THE INDIVIDUAL AND HIS BANK By ROME C. STEPHENSON President American Bankers Association D ANKERS recognize that their busi- ness carries especially heavy public responsibilities and welcome all sound measures to aid them meet the duties this imposes. Unceasing efforts to bring about continually improving methods to safeguard in depositors banks of all kinds have long been uppermost in the plans of bankers tions throughout the nation. They are not the outgrowth merely of the past year of business adversity, but have been carried on actively for many years and have resulted in great progress along lines of better, safer banking methods. Although banking along with all business has suffered reverses, conditions in this field have been far less severe than they would have been had not bankers been widely successful in their endeavors to develop the high standards of banking that now generally prevail. The American Bankers Association and bankers organizations in every state actively support the principle of government supervision of banking. The national banks, which receive their charters to do business from the federal government, are under the supervision of the Comptroller of the Currency at Washington. Through his efficient staffs of expert hank examiners in every section he has the duty and powers to keep watch of the way every national bank is boing conducted, to suggest desirable changes in its policies or methods and even to step in and take control for the protection of the depositors if such action is warranted. The state hanks, also, which are chartered by the various state governments, are subject to similar supervision and control by state bank officials. In addition hanks in many places have long maintained voluntary clearing house associations which enforce even closer supervision over their members. C STEPHENSON Bankers Favor Public Supervision Present laws adequately enforced contain ample provisions for government supervision. Bankers universally believe in strong, capable banking departments manned by officials with the discretion and courage to enforde these laws and act under them as the common welfare demands. They believe that these public officials should lie paid sufficient salaries to command the services cf men of character, ability and a resolute spirit of public service. They believe also that the banking departments should bo kept free from all political or other special Influence in order to be able to act at all times with independence solely for the benefit of the public interest Although banks in the United States operating under state or national charters are thus subject to supervision of public authority, they are strictly private business enterprises. They are owned by thcr stockholders and administered by officials chosen through the boards of directors which their r tockholders elect. No bank is owned or operated by tlio United States Government, nor, with one small exception in a western state, by any state government. The function of government in banking is to promote and enforce c ireful banking administration through the system of examination and supervision which I have described. This, however, does not relieve the individual depositor from the necessity of ; idging and choosing carefully as to :3 banking relations; just as in Ills ether business or professional relations. He must inquire for himself Into the character and type of institution and men he shall do business with, satisfying himself as to their reputation, reliability and capability. These qualities .are essential to complete the element of safety and dependability in u.:y human institution. single-minde- d An Illusory Lavo . est into which HeDSlban trad gone mat trim, a crushing, deadening force. The morning was a distant glow of fire. fires lit up the bottom land. He could Nearer, over the rim of Forbidden iw tb bis rock at the spring. The valley, the sky was a red Illumination Tne hira ' ' of flame. And this illumination was paths' between the gardens. milL The nearest oaks. In houses the not of a burhlng forest" It was not a had that see cbuld nothing scorch of burning stumps. It was not But he house. ' the from saved been burning a conflagration of dry swamp grass He could not see his father or his reflecting Itself against A moonless mother or Hepsibah Adams. heaven. It was a tower of blazing heart Seemed to break Even Odds f" light, mushrooming as It rose, flat- ' A sound bame from moments. in these raditening itself in a sinister scarlet sob. He was half a was like him that ance under the clouds, dripping at its no savage or vqqge-- 1 longer crouching, edges into colors of silver and gold see. fee was did not Jeems ful. But , . and blood. In hita that some force find to trying His home was burning! By name. ' His out mothers his could cry With the cry that came from his were as dry as sticks, his throat , James Oliver Curwood lips, there leapt madly Into his mind lips HAND HIM A FAN to respond. The silence was failed the words that Hepsibah had spoken In It he heard the snapping terrific. to him a last time that morning: If 9 by Doubleday Doran Co Ino. Sam, who had just fulfilled a. lifean of exploding ember, like a pistol ever Im off there and you see a fire WNTJ Service. J time ambition and bought a fur coat, off. He could heir no one talk- -' going lighting up the sky by night, or smoke went strutting down the street. He Voices no calling. darkening it by day, hairy to the ing, met a poor friend, shivering with cold, Fear, the repulsion of flesh and father mothwith and ' 'seigneurie your who said: er as fast as you can go, for It1 will nerves to danger, was utterly gone THE STORY Say, Sam, its pretty cold today, was impelled only by 'mean my hand has set the heavens ' from him. He int it? and mother, the his bt father thought talking to you and that the peril o CHAPTER I With his English wife. Is it? said Sam, peering out from his desire to of their silence, mystery near. is death eon, Catherine, and the depths of his fur collar. to Now, hear their to and settler out them French call Henri Bulain, Jeems, in Canada in 1749. cultivates a fertile In answer. He did not fit an you know, I really havent looked at voices CHAPTER V farm, adjacent to the Tonteur Wall Street Jourthe paper today. arrow to his bow as he walked down As the story opens the Bulain a from visit on home is its way nal. family the starlight, his feet travelto the Tonteurs. Catherines wandering For a space Jbems could not move through a little unsteadily. What was ' brother, Hepsibah, meets them. ing as he gazed at the crimson sky. His Weather or was not there could not be CHAPTER II Hepsibah, as Is his home was in flames. This alone would there Rain falls more frequently beby an arrow. custom, has brought presents for his 'not have deadened him with changed horror. sister and her family To Jeems he tween the hours of three and eight in he came upon his Uhexpectedly, velHis father was there to care for his gives a. splendid piece of crimson on the ground near the morning than at any other time, was Henri to father. Is vet, laughingly telling the boy it be a present from Jeems to Toinette 'mother, a new home could be built, Los Angeles Weather Man Hershej rose bushes, as If of one Catherines the world did not end because a house Tonteur, small daughter of the seitold a group of reporters the other asleep. But he was dead. He lay gneur Hepsibah also gives Jeems Ina burned. But there were two fires pistol, bidding him perfect himself turned to thb sky. Fireday. and the other, farther on, reflecting with his face for the people of the For once youre right, agreed one marksmanship, upon him gently, now inlight played frontier are constantly in fear ef raids itself dimly and yet more somberly, of the reporters. Theres always a by Indian war parties, allies of the was now fading, as the embers one the him. It was creasing, that terrified English. storm at my house when I come home or flared died, like fitful botes in a Hepsibah's Are' talking to him through strain of. soundless music. CHAPTER 111 HepsiDan fears foi between those hours. the night! the safety of the Bulains, in their isoAs softly as the light, without a lated position, but Henri laughs at the Then the choking thing In him gave dea of danger.? Jeems presents the or cry, Jeems knelt beside him. sob velvet to Toinette Her cousin, Paul way, and as the power to act returned, his fathers name, yet knew He spoke Iache, a few years older than Jeems, he saw Odd facing the lighted heavens contrives to throw the parcel away ' no answer would rise from the that Strike One in and and line of the every muscle ,eems resents the action, and attacks 'aul. but the 'latter whips the smaller dogs rigid frame the Indian sign was lifeless lips. He repeated It in an Young Lady (to Old Actor) I sup bov unexcitable way as his hands clutched pose you were very much stagestruck clearly written. CHAPTER TV Next day Jeems, feel the first time you appeared before the He set off at a run down hill, and as at the silent form. The starlight left ng he was wrong in brawling before nothing unrevealed; his father dead, public? foinette, goes to her home to offer hit he ran bushes whipped at his face and his white lips twisted,, his hands He hears Madame Tonteui Old Actor Yes, thats quite right, shadows gathered under his feet and ipologies iefer to ,him as a little English at his side, the top of his but an old tomato struck me first long arms of gloom reached out from clenched, makes his apologies and beast, but head and bleeding from the naked horof he what "es among the trees to hold him back. He iving noth' ip: takes had overheard. his knife. Jeems slumped down. Hepsibah scalping not come could Llkle No Wonder with Odd. up me Tonieuis go to Que-ie.paiiuic two shadows in a playful night, one He may have spoken again. He may Where Toinette is 10 be educated Dudleigh Why wouldnt your wife Vfter four years, during which Jeems sobbed. But the thing like death closely pursuing the other, they ran have go to the dentist? Is She afraid of the iractically reaches manhood, the was creeping over him, its darkthat until between War Jeems return and Britain breath to break began pain? ness and vastness, hid him from himFrance flames, and French settlers' 'from his lips in gasps, and at the end No, she thinks her age Flubleigh hasten to join Dieskau, French coma of mile at a he fell mander. Eicnri remain to and back walk. Odd self. He remained beside his father, Jeems can be told by her teeth, like a one day on a hunting home Absent lessened his pace to his masters. as motionless and as still. Odd horses. sees from a distance his rip, Jeems near.' After a little, an inch 'ome in They climbed a lower hill, and once crouched at a he crept to the dead man. time, more Jeems see could the fire. of Runs in the Family glow muzzled He the hands that were growIV.CHAPTER Continued. Vault In the upper of the sky It was Flora Miss Stonebroke, who was so t cold. He licked Jeems face where ing a to fading ghostly pallor against the popular last season, is a perfect wallit had fallen against his fathers shoulJeems did not have the desire to sweeping arc of the Milky Way. flower now. nor did Odd. hunt, ' ran Unexplainable on, and the spirit of hope der. Then he was motionless again, They Fauna Perhaps its on account of his eyes seeking about him' like balls them Were at botll. Impulses to pulling for a place in Jeems began fight the report that her father was forced masOdds was restlessness his unlike brain. This ray of' light gave life and of living flame. Death was in the air. to the wall. ters. Whenever Jeems paused, the force to the arguments with which he He was breathing It. He was heardog turned and sniffed the air of their now made an effort t hold back the ing It. At last, irresistibly impelled Cause for Complaint trail, facing Forbidden valley in ai grimmer thing. His home was burn- to answer the spirit of death, he sat Prison Governor You say you have attitude of suspicion ahd doubt. Jeems ing. But It must be an accident, back on his haunches and howled. It a complaint to make? Well, what observed his companion's enigmatic nothing that shbuld fill him with was not Odds howl any more than it is it? Odd was not giving the Inactions. fright. The other fire off in Forbid- had been Jeems voice speaking to his Convict There aint enough exits, dian signal. It wlas as if sotilAthing den valley was no more than a coin- father a few moments before. It was air. without form or substance, a thing becidence, probably a conflagration 'a ghostly sound that seemed to quiet wildering and unintelligible, lay bestarted by a careless Indian or a even the whispering of the leaves, ab Weil Trained hind them. unearthly and shivering cry that sent white mans pipe. over the clearing, with grief echoes (each Yon say you can play fool came to They lie paused again to get his breath, Lussans, nine miles ball. Have you had any practice? from' their home. Since Lussans deand' Odd stopped with him. His shag- for COtrirvonT Football Prospect Yes, sir, I used parture, the place had been abangy body was trembling with the pent-uto be a floorwalker at the bargain sale doned, and in those five years the (To be Continued) emotions of suspense and passion counters In a department store. . wilderness had largely reclaimed what which possessed him when he caught man had Taken from it JeemS stood in the air the deadly poison to his nosNEW KIND OF PLUM where he had fought Paul Tache, and trils the Indian 'smell. Jeems strugghostly whispers crept about him In gled not to believe the evidence which the stillness. Then came a feeling of he saw, and told himself that if by dread, almost' of fear. He turned back any chance there were Indians at his to the house and to the open, where home they were friends helping to save what they' could from the' tragedy long ago he had stood with Toinette and all her loveliness so near to him. of the fire. The sun had set and dusk was gathOut of the silence Jeems heard A ering over the land before he drew sound which rose above the pounding himself away from the ghosts which of his heart It was so far away, so haunted Lussans place. Night could indistinct, that the stirring of the add nothing more to his gloom. leaves' had kept it from his ears. Odd Whined frequently 'in his eagerBut Jeems had heard. ness to reach home. Sometimes he He had heard the firing of guns. showed Impatience at his masters Over the hills and forests the sound slowness by running ahead. Jeems had come to him from the direction of did not hurry: He unslung his bow, the Tonteuf seigneurie He did not which was the only weapon he had wait for the 'oaks to drowse' again. brought, and carried It ready in his Odd led him in their last heartbreak hand. Yet If Odfl had hinted of daning race into the Big forest. Leaden ger he would have paid no attention weights seemed to be dragging at his He What kind of a plumb? to the warning.'' Danger was miles feet before they were through it. He away on the other 'sifle of Dieskau had run too hard. He stopped and A Classic Confession and his men. It would Come ho nearer sagged against a free, with Odd growland he would Sever Save a chance to ing in a low and terrible way close Diogenes remarked, "Ah, me. On earth there is no honest elf. meet It. In Toinettes eyes he would to his knees. He was not trying te For, to speak truthfully and free, always remain a renegade and a prove or disprove matters now. A catasIm something of a bluff myself! coward. trophe hAd happened to his thoughts ' A Painful Thought Night thickened. The stars came with the firing of the guns. Taking the place of hope, even of his fears; Visitor (at film studio) How do yoa out Deepening shadows lay about them as they climbed the tallest of was the ona exeat desire to reach hi taake your star weep so realistically? Director I Just remind her of her the hills, from which they could look father and mother' as quickly as hA over the ridges and woods between could.' Income tax. them and Forbidden valley. 'Because His1 exertions had beaten him when from this hill it 'was possible to see . they came to the edge of the forest ? " over the Big forest which sheltered and he could have run no farther oanks and the safety of all depositors their ' farm from fhe north without falling. ' Before them was the for the theoretical safety of 'a few. Jeems and hi father called It winds, Home slope, a silvery carpet of the starr Guaranty schemes always have been, mountain. ' At the foot of it tfas what had light are and always will be impotent, futile ' Odd' whined as he clinched It to- been his home. not new. Has been ' and disastrous. It is He1 went ahead of Jeems, and night. mass without That it Was a red-htried, failed and discarded at intervals when he gained the crest His whining form or stability, h pile out of which for more than 100 years in this counchanged to a howl, so low that one fame rose lazily. Its fierceness gone, inhonest and Custry. No would scarcely have' heard If at the added nbthlng nlore to his 'shock. 'Hfe in can it prinmind accept " telligent foot of the hill. had unconsciously looked for this.' The ciple or practice. Competent bank suJeems tame to him and stopped.' barn was also A heap ' of blazing empervision and restriction of bankB to For a space, there was no heating bers. Everything was gone. Even thi territory that will warrant sufficient of a heilrt In Ms breast nothing but fact was- not the one which began to e' capital investment and accounts Is the A fetillfiess' that death,-- ' ; only sane and honest course and will shock that was like death, a horror break down his reason, which he, had afford all the guaranty the depositing that could come only at the sight and struggled so hard to keep. It was the stillness, the lifelessness, the lack nubile is entitled to as compared with the feeling of death. of movement and sound that appalled all ether human affairs. the from Rising faj side of the for him, ah ringed Iry about The Plains of Abraham V ; 1 1 ? . twelve-year-o- ld , e. seign-euri- . - I I -- Ton-eur- s J f'- - p Just Remember The Reaper Prints ing Shop does job work of all kinds. Let us figure with you; on your next Printing Job. YOUR PRINTING IT A Valuable Asset of Your Business ! i The bank deposit guaranty law In any form is a snare and a delusion, de- lares a banker 'in a tate where it has been tried, adding: It is a license and encouragement to irresponsible banks and banking and penalizes capital solvency and prudent banking. It creates a sense of security in the minds of the unthinking and uninformed that is false and Impossible to be realized on ultimately. To compare it to legitimate t insurance is without reason and leonarrlizea the sotvenev of all j ab-I- ot We Help Our well-informe- - Was-lik- tomers to Success With Presentable, Profitable PUBLICITY P-- .-- . |