WHAT I am going to tell you, gentlemen, happened when I was a very young man, and when I was just setting up in business on my own account.

My father had been well acquainted for many years with Mr. Fauntleroy, of the famous London banking firm of Marsh, Stracey, Fauntleroy & Graham. Thinking it might be of some future service to me to make my position known to a great man in the commercial world, my father mentioned to his highly-respected friend that I was about to start in business for myself in a very small way, and with very little money. Mr. Fauntleroy received the intimation with a kind appearance of interest, and said that he would have his eye on me. I expected from this that he would wait to see if I could keep on my legs at starting, and that, if he found I succeeded pretty well, he would then help me forward if it lay in his power. As events turned out, he proved to be a far better friend than that, and he soon showed me that I had very much underrated the hearty and generous interest which he had felt in my welfare from the first.

While I was still fighting with the difficulties of setting up my office, and recommending myself to my connection, and so forth, I got a message from Mr. Fauntleroy telling me to call on him, at the banking-house, the first time I was passing that way. As you may easily imagine, I contrived to be passing that way on a particularly early occasion, and, on presenting myself at the bank, I was shown at once into Mr. Fauntleroy’s private room.

He was as pleasant a man to speak to as ever I met with — bright, and gay, and companionable in his manner — with a sort of easy, hearty, jovial bluntness about him that attracted everybody. The clerks all liked him — and that is something to say of a partner in a banking-house, I can tell you!

“Well, young Trowbridge,” says he, giving his papers on the table a brisk push away from him, “so you are going to set up in business for yourself, are you? I have a great regard for your father, and a great wish to see you succeed. Have you started yet? No? Just on the point of beginning, eh? Very good. You will have your difficulties, my friend, and I mean to smooth one of them away for you at the outset. A word of advice for your private ear — Bank with us.”

“You are very kind, sir,” I answered, “and I should ask nothing better than to profit by your suggestion, if I could. But my expenses are heavy at starting, and when they are all paid I am afraid I shall have very little left to put by for the first year. I doubt if I shall be able to muster much more than three hundred pounds of surplus cash in the world after paying what I must pay before I set up my office, and I should be ashamed to trouble your house, sir, to open an account for such a trifle as that.”

“Stuff and nonsense!” says Mr. Fauntleroy. “Are you a banker? What business have you to offer an opinion on the matter? Do as I tell you — leave it to me — bank with us — and draw for what you like. Stop! I haven’t done yet. When you open the account, speak to the head cashier. Perhaps you may find he has got something to tell you. There! there! go away — don’t interrupt me — good-by — God bless you!”

That was his way — ah! poor fellow, that was his way.

I went to the head cashier the next morning when I opened my little modicum of an account. He had received orders to pay my drafts without reference to my balance. My checks, when I had overdrawn, were to be privately shown to Mr. Fauntleroy. Do many young men who start in business find their prosperous superiors ready to help them in that way?

Well, I got on — got on very fairly and steadily, being careful not to venture out of my depth, and not to forget that small beginnings may lead in time to great ends. A prospect of one of those great ends — great, I mean, to such a small trader as I was at that period — showed itself to me when I had been some little time in business. In plain terms, I had a chance of joining in a first-rate transaction, which would give me profit, and position, and everything I wanted, provided I could qualify myself for engaging in it by getting good security beforehand for a very large amount.

In this emergency, I thought of my kind friend, Mr. Fauntleroy, and went to the bank, and saw him once more in his private room.

There he was at the same table, with the same heaps of papers about him, and the same hearty, easy way of speaking his mind to you at once, in the fewest possible words. I explained the business I came upon with some little hesitation and nervousness, for I was afraid he might think I was taking an unfair advantage of his former kindness to me. When I had done, he just nodded his head, snatched up a blank sheet of paper, scribbled a few lines on it in his rapid way, handed the writing to me, and pushed me out of the room by the two shoulders before I could say a single word. I looked at the paper in the outer office. It was my security from the great banking-house for the whole amount, and for more, if more was wanted.

I could not express my gratitude then, and I don’t know that I can describe it now. I can only say that it has outlived the crime, the disgrace, and the awful death on the scaffold. I am grieved to speak of that death at all; but I have no other alternative. The course of my story must now lead me straight on to the later time, and to the terrible discovery which exposed my benefactor and my friend to all England as the forger Fauntleroy.

I must ask you to suppose a lapse of some time after the occurrence of the events that I have just been relating. During this interval, thanks to the kind assistance I had received at the outset, my position as a man of business had greatly improved. Imagine me now, if you please, on the high road to prosperity, with good large offices and a respectable staff of clerks, and picture me to yourselves sitting alone in my private room between four and five o’clock on a certain Saturday afternoon.

All my letters had been written, all the people who had appointments with me had been received. I was looking carelessly over the newspaper, and thinking about going home, when one of my clerks came in, and said that a stranger wished to see me immediately on very important business.

“Did he mention his name?” I inquired.

“No, sir.”

“Did you not ask him for it?”

“Yes, sir. And he said you would be none the wiser if he told me what it was.”

“Does he look like a begging-letter writer?”

“He looks a little shabby, sir, but he doesn’t talk at all like a begging-letter writer. He spoke sharp and decided, sir, and said it was in your interests that he came, and that you would deeply regret it afterward if you refused to see him.”

“He said that, did he? Show him in at once, then.”

He was shown in immediately: a middling-sized man, with a sharp, unwholesome-looking face, and with a flippant, reckless manner, dressed in a style of shabby smartness, eying me with a bold look, and not so overburdened with politeness as to trouble himself about taking off his hat when he came in. I had never seen him before in my life, and I could not form the slightest conjecture from his appearance to guide me toward guessing his position in the world. He was not a gentleman, evidently; but as to fixing his whereabouts in the infinite downward gradations of vagabond existence in London, that was a mystery which I was totally incompetent to solve.

“Is your name Trowbridge?” he began.

“Yes,” I answered, dryly enough.

“Do you bank with Marsh, Stracey, Fauntleroy & Graham?”

“Why do you ask?”

“Answer my question, and you will know.”

“Very well, I do bank with Marsh, Stracey, Fauntleroy & Graham — and what then?”

“Draw out every farthing of balance you have got before the bank closes at five to-day.”

I stared at him in speechless amazement. The words, for an instant, absolutely petrified me.

“Stare as much as you like,” he proceeded, coolly, “I mean what I say. Look at your clock there. In twenty minutes it will strike five, and the bank will be shut. Draw out every farthing, I tell you again, and look sharp about it.”

“Draw out my money!” I exclaimed, partially recovering myself. “Are you in your right senses? Do you know that the firm I bank with represents one of the first houses in the world? What do you mean — you, who are a total stranger to me — by taking this extraordinary interest in my affairs? If you want me to act on your advice, why don’t you explain yourself?”

“I have explained myself. Act on my advice or not, just as you like. It doesn’t matter to me. I have done what I promised, and there’s an end of it.”

He turned to the door. The minute-hand of the clock was getting on from the twenty minutes to the quarter.

“Done what you promised?” I repeated, getting up to stop him.

“Yes,” he said, with his hand on the lock. “I have given my message. Whatever happens, remember that. Good-afternoon.”

He was gone before I could speak again.

I tried to call after him, but my speech suddenly failed me. It was very foolish, it was very unaccountable, but there was something in the man’s last words which had more than half frightened me.

I looked at the clock. The minute-hand was on the quarter.

My office was just far enough from the bank to make it necessary for me to decide on the instant. If I had had time to think, I am perfectly certain that I should not have profited by the extraordinary warning that had just been addressed to me. The suspicious appearance and manners of the stranger; the outrageous improbability of the inference against the credit of the bank toward which his words pointed; the chance that some underhand attempt was being made, by some enemy of mine, to frighten me into embroiling myself with one of my best friends, through showing an ignorant distrust of the firm with which he was associated as partner — all these considerations would unquestionably have occurred to me if I could have found time for reflection; and, as a necessary consequence, not one farthing of my balance would have been taken from the keeping of the bank on that memorable day.

As it was, I had just time enough to act, and not a spare moment for thinking. Some heavy payments made at the beginning of the week had so far decreased my balance that the sum to my credit in the banking-book barely reached fifteen hundred pounds. I snatched up my check-book, wrote a draft for the whole amount, and ordered one of my clerks to run to the bank and get it cashed before the doors closed. What impulse urged me on, except the blind impulse of hurry and bewilderment, I can’t say. I acted mechanically, under the influence of the vague inexplicable fear which the man’s extraordinary parting words had aroused in me, without stopping to analyze my own sensations — almost without knowing what I was about. In three minutes from the time when the stranger had closed my door the clerk had started for the bank, and I was alone again in my room, with my hands as cold as ice and my head all in a whirl.

I did not recover my control over myself until the clerk came back with the notes in his hand. He had just got to the bank in the nick of time. As the cash for my draft was handed to him over the counter, the clock struck five, and he heard the order given to close the doors.

When I had counted the bank-notes and had locked them up in the safe, my better sense seemed to come back to me on a sudden. Never have I reproached myself before or since as I reproached myself at that moment. What sort of return had I made for Mr. Fauntleroy’s fatherly kindness............