Hugh Pilaster is a student at Windfield School and the cousin of Edward Pilaster. His father, Toby, dies. His father quarreled with Edward's father when he withdrew his money from their business. When he finishes his schooling, he goes to work for the Pilaster's bank and lives at Kensington Gore with his aunt. Hugh fancies Florence Stalworthy but his aunt is steering him toward Rachel Bodwin.