"The total defalcation, including money borrowed on title-deeds deposited in the bank, which had to be made good, was, I heard, from 75,000l. to 80,000l.," Tom said.

"Very well," said Lord Beresford, "we will make the scoundrel pay up with interest. Order out thirty men of the 13th."

While the men were mustering, the general returned to the dining-room and begged the officers who were dining with him to excuse him for half an hour, as he had some unexpected business to perform. Then he walked across with the Scudamores to the banker's house, which was only in the next street.

Twenty of the men were then ordered to form a cordon round the house and to watch the various entrances. The other ten, together with the officer in command, the general told to follow him into the house. The arrangements completed, he rang at the bell, and the porter at once opened the gate.

He started and would have tried to shut it again, on seeing the armed party. But Lord Beresford said, "I am the general commanding the British troops here. Make no noise, but show me directly to your master."

The man hesitated, but seeing that the force was too great to be resisted, led the way through the courtyard into the house itself.

Some servants in the hall started up with amazement, and would have run off, but Lord Beresford cried, "Stay quiet for your lives. No one will be hurt; but if any one moves from the hall, he will be shot." Then, followed by Tom and Peter only, he opened the door which the porter pointed out to him as that of the room where the banker was sitting.

He was alone, and started to his feet upon beholding three British officers enter unannounced. "What means this?" he demanded angrily. "I am a citizen of the United States, and for any outrage upon me satisfaction will be demanded by my Government."

"I am Lord Beresford," the general said quietly, "and quite know what I am doing. I do not quite agree with you that the Government of the United States will make any demand for satisfaction for any outrage upon your person, nor, if they do so, will it benefit you greatly; for I am about, in five minutes' time, to order you to be shot, Mr. Walsh."

As the name was uttered the banker, who had listened with increasing pallor to the stern words of the general, started violently, and turned ghastly white. For a minute or so he was too surprised and confounded to speak. Then he said, in a husky tone, "It is false; I am an American citizen. I know nothing whatever about James Walsh."