- Fanny Lawson falls in love with Stephen King, the man who pulled her from the river after her runaway horse plunged into the icy waters. Forsaking the love of Canadian Mounted Policeman John Cross, Fanny marries Stephen and moves to the city. King turns out to be an experienced counterfeiter, who soon tires of Fanny and leaves her. When government agents later search her apartment, they discover King's plates and send Fanny to jail as an accomplice. Meanwhile John Cross, court-martialed for alleged cowardice, enlists in the United States Army for service in the Philippines. Redeeming his honor in war, he returns to New York wounded, where he again meets Fanny and the two fall in love. When King reappears, he becomes insanely jealous, starts trouble and is fatally shot by the police during a melee. Before he dies, he clears Fanny's name, thus freeing her to marry Cross.
- Fanny Clawson is rescued from a runaway horse and a watery grave by Stephen King, a newcomer to the village. He is a flashy, agreeable adventurer, and Fanny's gratitude turns to love. When Claudia's husband, Ezra Nelson, the mayor of the town, expresses a doubt regarding King's character Fanny upholds King. Captain John Cross, of the Northwest Mounted Police, is spending his vacation in the village. He is attracted by Fanny, but she has eyes for King only. On the day of his return to duty, Cross experiences a keen disappointment when he reads of the engagement of Fanny to Stephen King. Ezra shows King a report from a private detective that King has served a prison term for counterfeiting. King denies this. He urges Fanny to marry him and go to the city at once. In the Northwest, a year later, the Mounted Police round up a band of train robbers, and Cross, still suffering from the effects of his nervous breakdown, loses his nerve and deserts. Charged with cowardice, Cross is discharged without honor. Fergus, his friend, not believing Cross cowardly, resigns his commission to go with the dishonored man. King's indifference to his wife, and the mystery with which he surrounds his occupation cause her unhappiness. The appearance of a new counterfeit note results in the Government agents following a clue to the corner grocer, from where it is traced to Fanny. In accordance with instructions received from King, urging her to express him the iron ore which he has hidden under the couch, Fanny pulls out a heavy box, speculating as to its contents. The Government agents come upon her with the box, which contains counterfeiter's plates. She is arrested and convicted on circumstantial evidence. Hoping to retrieve the past, Cross, accompanied by Fergus, enlists in the service of Uncle Sam. In the Philippines, they are among the soldiers sent to quell an uprising among the Moros. Cross, single-handed, volunteers to go for aid. Fergus follows. The natives are put to rout. King escapes to the coal district, where he hides among the miners. At the prison entertainers give a performance. One, noting Fanny's distress, secures her services in helping to dress. After hearing her story she persuades Fanny to escape in a suit of boys' clothes. At the mines, King gambles and loses his watch. The boss discharges King. The following day, after an accident, one of the miners is brought up dead. Because of the watch he wears, engraved "Stephen King," he is identified as King. Broken in spirit, Fanny arrives at the home of Claudia, who makes her welcome. Fanny reads of the death of Stephen King, the notorious counterfeiter. Relieved, she looks forward to a new life, but her brother-in-law drives her from the house. Their terms of enlistment having expired. Cross and Fergus return to America. Ill with fever, Cross remains in New York while Fergus continues to the Northwest. Under an assumed name, Fanny is living in New York. Cross rents a room in the same boarding house. Weakened by the journey, Cross drops a bottle of medicine and groans. The landlady and Fanny rush to his aid. Weeks pass, and with the return of his health, comes love for Fanny. A Sergeant from the Mounted brings the news that Cross' commission has been restored at Fergus' intercession. His name cleared, Cross proposes to Fanny, who recalling her prison record, fears to share her disgrace with the man she loves, and does not give him an answer. Later Fanny is seen by King, the fugitive from justice. He follows her to the boarding house, where he demands money. When she refuses, there is a struggle and Cross comes to her aid. Fanny calls for police, and in an attempt to escape King is shot by the policeman. In his dying confession, he clears Fanny of the counterfeiting charge, saying she had no knowledge of his work. Cross tells Fanny King has cleared her name. They start life anew.
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