"I think not," replied Mr. Balderby, rising from before his desk. "I don't remember seeing one in your hand."

"Ah, then, I suppose I was mistaken."

He still lingered in the parlour, putting on his gloves very slowly, and looking out of the window into the dismal backyard, where there was a dingy little wooden door set deep in the stone wall.

While the banker loitered near the window, Clement Austin came into the room, to show some document to the junior partner. Henry Dunbar turned round as the cashier was about to leave the parlour.

"I saw a woman just now talking to you in the office. That's not very business-like, is it, Mr. Austin? Who is the woman?"

"She is a young lady, sir."

"A young lady?"

"Yes, sir."

"What brings her here?"

The cashier hesitated for a moment before he replied, "She—wishes to see you, Mr. Dunbar," he said, after that brief pause.