In The Million Pound Bank Note Henry Adams arrives in London down on his luck, hungry and penniless. His ''luck'' turns when two brother, in order to settle a 20,000 bet they have made with each other, thrust a million pound note upon him. The story's conflict arises from the difficulty of the predicament; how does a penniless man explain how he lawfully came to possess a million pound note? Through guile and cunning Adams prevails and the brother Gordon wins the bet.