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In 1903, American seaman Henry Adams(Gregory Peck) is stranded penniless in England and gets caught up in anunusual wager between two wealthy, eccentric brothers, Oliver (Ronald Squire)and Roderick Montpelier (Wilfrid Hyde-White). They persuade the Bank ofEngland to issue a one million pound banknote,which they present to Adams in an envelope,only telling him that it contains some money. The reason for this is thatOliver believes that the mere existence of the note will enable the possessorto obtain whatever he needs, while Roderick insists that it would actually haveto be spent for it to be of any use.
Once Adamsgets over the shock of discovering how much the note is worth, he tries toreturn it to the brothers, but is told that they have left for a month. He thenfinds a letter in the envelope, explaining the wager and promising him a job ifhe can avoid spending the note for the month.
At first, everything goes as Oliver hadpredicted. Adams is mistaken for an eccentricmillionaire and has no trouble getting food, clothes, and a hotel suite oncredit, just by showing his note. The story of the note is reported in thenewspapers. Adams is welcomed into exclusivesocial circles, meeting the American ambassador and English aristocracy.He becomes very friendly with Portia Lansdowne (Jane Griffiths), the niece of the Duchessof Cromarty. Then fellow American Lloyd Hastings (Hartley Power)asks him to back a business venture. Hastingstells Adams that he does not have to put up any money himself; the mereassociation will allow Hastingsto raise the money that he needs to start up a gold mine by selling shares.
Trouble arises when the Duke of Frognal (A. E.Matthews), who had been unceremoniously evicted from the suite Adams now occupies, hides the note as a joke. When Adamsis unable to produce the note, panic breaks out amongst the shareholders and Adams' creditors. All is straightened out in the end, andAdams is able to return the note to the Montpelierbrothers at the end of the month.
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