The two friends went to a neighboring town. They lived there for a few years and made fortune. When they thought that they had enough wealth they decided to return home. On their way they passed through a forest. Adharma said, "Dharma, let us bury half our wealth in this forest. Whenever we need it we will come here and take it."
Dharma agreed and both friends buried half of their wealth under a baniyan tree in that forest. They put a cross sign on the tree and proceeded on their homeward journey.
After a few weeks, Adharma came to Dharma's house and said, "Friend, I have a big family to support. All my money is finished. Let us go to the forest and bring the money buried there." So Dharma and Adharma went to the forest. The dug deep at the earmarked spot but did not find their money.