Clement Austin did not forget his promise to do his uttermost towards the discovery of the banker's guilt. He believed that Henry Dunbar was the murderer of his old servant; and he had believed it ever since that day upon which the banker stole, like a detected thief, out of the house in St. Gundolph Lane. It was just possible that Henry Dunbar might avoid Joseph Wilmot's daughter from a natural horror of the events connected with his return to England; but that the banker should resort to a cowardly stratagem to escape from an interview with the girl could scarcely be accounted for, except by the fact of his guilt. He had an insurmountable terror of seeing this girl, because he was the murderer of her father. The longer Clement Austin deliberated upon this business the more certainly he came to that one terrible conclusion: Henry Dunbar was guilty. He would gladly have thought otherwise: and he would have been very happy had he been able to tell Margaret Wilmot that the mystery of her father's death was a mystery that would never be solved upon this earth: but he could not do so; he could only bow his head before the awful necessity that urged him on to take his part in this drama of crime—the part of an avenger. But a cashier in a London bank has very little time to play any part in life's history, except that quiet _rôle_ which seems chiefly to consist in locking and unlocking iron safes, peering furtively into mysterious ledgers, and shovelling about new sovereigns as coolly as if they were Wallsend or Clay-Cross coals. Clement Austin's life was not an easy one, and he had no time to turn amateur detective, even in the service of the woman he loved. He had no time to turn amateur detective so long as he remained at the banking-house in St. Gundolph Lane. But could he remain there? That question arose in his mind, and took a very serious form. Was it possible to remain in that house when he believed the principal member of it to be one of the most infamous of men? No; it was quite impossible for him to remain in his present situation. So long as he took a salary from Dunbar, Dunbar and Balderby, he was in a manner under obligation to Henry Dunbar. He could not remain in this man's service, and yet at the same time play the spy upon his actions, and work heart and soul to drag the dreadful secret of his life into the light of day. Thus it was that towards the close of the week in which Henry Dunbar, for the first time after his return from India, visited the banking-offices, Clement Austin handed a formal notice of resignation to Mr. Balderby. The cashier could not immediately resign his situation, but was compelled to give his employers a month's notice of the withdrawal of his services. A thunderbolt falling upon the morocco-covered writing-table in Mr. Balderby's private parlour could scarcely have been more astonishing to the junior partner than this letter which Clement Austin handed him very quietly and very respectfully.