While playing cards on a train with banker Chester Powers, our heroes are recognized by another banker, Winford Fletcher (the villain of "Dreadful Sorry, Clementine," Fletcher pulls a gun on the group and says the 2 cost him a great deal of money to get out of trouble (apparently, he bought his way out of prison time on top of being swindled for $50,000). Powers bluffs Fletcher with a hidden "gun" and Fletcher backs down. That gives Powers an idea. He has speculated with and lost all the securities and bonds in his bank. The cash is still there, but there will be a run on the bank if word of his other losses gets out. So he robs the bank himself and ... you got it ... pins it on Heyes and Curry, giving them a chunk of the money to buy their silence. The boys pretend to accept, but scheme to pit Powers and Fletcher - who have reached a secret deal to jointly testify against Heyes and Curry - against each other. They take their share of the stolen money and give it to Fletcher in return...
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Mr. Powers, I can certainly understand how you became president of a bank.
I inherited it.