ten o'clock
`` I shall deposit it in the Dime Savings Bank this forenoon . '' `` But you will leave before the bank opens . '' `` No , I am to take a midday train . '' At ten o'clock Fred went to the Union Dime Savings Bank fronting on Thirty-Second Street , and deposited the hundred dollars in gold left him by his mining friend , and one hundred and seventy-five dollars besides from his recent gift . The other twenty-five he handed to his mother . `` Mother , '' he said , `` you need a new dress , and Albert needs a new suit . Take this money , and buy what you think best . ''