raft to New
York, by express, for collection, or else would go to that city
himself, and have it cashed through some respectable person.
Immediately on receiving the money he would telegraph his companion,
in words previously agreed upon, informing him of the successful
result of the first move. The other confederate, upon the receipt of
this information, would at once go to the bank where the drafts had
been procured, and presenting the genuine draft for the large amount
of money, would request that the money be refunded, giving as an
excuse for not using it, either that he could not be identified in the
New York bank, and for that reason could not collect it, or that the
business he had procured it for had not been consummated. The bank
officials would recognize him as the person who purchased the draft,
and would unhesitatingly hand him back the money which he had paid. Of
course he would quickly disappear from the locality, never to be seen
in it again--and the forgery would not be discovered until, in the
due course of ordinary business, when the other draft for the same
amount would be returned for payment.

A favorite trick of forgers, and check and draft raisers, who operate
on an extensive scale, is for one of them to open an office in a city,
and represent himself as a cattle dealer, lumber merchant, or one
looking about for favorable real-estate investments. His first move is
to open a bank account, and then works to get on friendly terms with
the cashier. He always keeps a good balance--sometimes way up in the
thousands--and deports himself in such a manner as to lead to the
belief that he is a highly honorable gentleman, and the bank officials
are led to the belief that he will eventually become a very profitable
customer.

Occasionally he has a note, for a small amount to begin with, always
first-class, two-name paper, and he never objects--usually insists--in
paying a trifle more than the regular discount. At first the bank
officials closely examine the paper offered, and of course find that
the endorsers are men of high standing, and then their confidence in
the "cattle king" is unbounded. Gradually the notes increase in amount,
from a thousand to fifteen hundred dollars, and from fifteen hundred to
two or three thousand. The notes are promptly paid at maturity. After
the confidence of the bank people has been completely gained, the
swindler makes a strike for his greatest effort. He comes in the bank