58 ILLINOIS STATE DAIRYMEN'S ASSOCIATION 



"Yes: we do some times". And the Jewish gentleman said 

 **I have a note for ten dollars I want to discount" and the 

 banker said "let me see it" and he produced the note and 

 the banker said "Have you any collateral" and he said "Yes: 

 I have five hundred dollars in liberty bonds" and he told him 

 to bring it down and he brought the note down and the lib- 

 erty bonds, and the banker said to Jakey, a friend of Ikey, 

 "what is the matter with Ikey, has he gone crazy," and 

 Jakey said "No : I guess not. I always thought he was a 

 good business man." So Jakey met Ikey and he said "What 

 did you want to put up five hundred dollars in Liberty bonds 

 for collateral on a ten dollar note" and he said "Wasn't 

 the note discounted for nine sixty? Where else can you get 

 a safety deposit vault for a year for forty cents." I don't 

 think we need to go any further and we will at this time 

 introduce Mr. O. M. Karraker. 



O. M. KARRAKER (President First National Bank) : 

 Ladies and Gentlemen of the Illinois Dairymen's Associa- 

 tion: I could tell you a good many things that have hap- 

 pened in the course of my business affairs, but I am not go- 

 ing to speak on that subject. I don't know just what my 

 subject should be. All the restrictions I have been given 

 is that I was not to speak over five minutes. I suppose com- 

 ing this early on the program I am to say what welcome 

 you have to our city and how glad we are to have you pres- 

 ent. It is a privilege to have you here and a pleasure to 

 have you here because this is a wonderful city. You will 

 notice the strange thing about Harrisburg is that you can 

 travel east or you can travel west; you can travel north or 

 you can travel south and continuing that direction that you 

 will come back to the starting point. It has been that way 

 with Harrisburg ever since it was a little town — it is the 

 center of the universe. This is a fine place to work, and a 

 fine place to try it. You should come down here to test it. 

 We have here the finest of weather and the finest and most 

 varied of industries. Come and try it. The door is always 

 open. You are always welcome here. While I am on my 

 feet I think we will all agree that whatever the people do 



