It was not till seven o'clock, when the liveried servant who waited upon him came to inform him that his dinner was served in an adjoining chamber, that Mr. Dunbar rose from his seat and put away the book in the despatch-box. He laid down the volume on the table while he replaced other papers in the box, and it fell open at the first page. On that first page was written, in Henry Dunbar's bold, legible hand—

"Journal of my life in India, from my arrival in 1815 until my departure in 1850."

This was the book the banker had been studying all that winter's day.

At twelve o'clock the next day he ordered a brougham, and was driven to the banking-house in St. Gundolph Lane. This was the first time that Henry Dunbar had visited the house in St. Gundolph Lane since his return from India.

Those who knew the history of the present chief partner of the house of Dunbar, Dunbar, and Balderby, were in nowise astonished by this fact. They knew that, as a young man, Henry Dunbar had contracted the tastes and habits of an aristocrat, and that, if he had afterwards developed into a clever and successful man of business, it was only by reason of the force of circumstances, which had thrust him into a position that he hated.

It was by no means wonderful, then, that, after becoming possessor of the united fortunes of his father and his uncle, Henry Dunbar should keep aloof from a place that had always been obnoxious to him. The business had gone on without him very well during his absence, and it went on without him now, for his place in India had been assumed by a very clever man, who for twenty years had acted as cashier in the Calcutta house.

It may be that the banker had an unpleasant recollection of his last visit to St. Gundolph Lane, upon the day when the existence of the forged bills was discovered by Percival and Hugh Dunbar. All the width of thirty-five years between the present hour and that day might not be wide enough to separate the memory of the past from the thoughts which were busy this morning in the mind of Henry Dunbar.

Be it as it might, Mr. Dunbar's reflections this day were evidently not of a pleasant nature. He was very pale as he rode citywards, in the comfortable brougham, from the Clarendon; and his face had a stern, fixed look, like a man who has nerved himself to meet some crisis, which he knows is near at hand.

There was a stoppage upon Ludgate Hill. Great wooden barricades and mountains of uprooted paving-stones, amidst which sturdy navigators disported themselves with spades and pickaxes, and wheelbarrows full of rubbish, blocked the way; so the brougham turned into Farringdon Street, and went up Snow Hill, and under the grim black walls of dreadful Newgate.

The vehicle travelled very slowly, for the traffic was concentrated in this quarter by reason of the stoppage on Ludgate Hill, and Mr. Dunbar was able to contemplate at his leisure the black prison-walls, and the men and women selling dogs'-collars under their dismal shadows.