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Bank controller John Hewitt is a much-respected member of the community. One afternoon he is persuaded to make a small two-dollar bet at the racetrack and collects a couple of hundred dollars when his horse wins. Such a return-on-investment intrigues him and he begins to frequent the track and making larger bets. After a short period of winning, he hits a losing streak and his savings are soon wiped out. He then starts to take money from the bank and is soon thousands of stolen-dollars behind. Mary Slate, secretary of his bookmaker, advises him that the bookmaker has a sure thing, and if he will liberate $20,000 or so from the bank, he can get in on it and solve all his problems.

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