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The house of Heine Brothers, in Munich, was of good repute at the time of which I am about to tell,–a time not long ago; and is so still, I trust. It was of good repute in its own way, seeing that no man doubted the word or solvency of Heine Brothers; but they did not possess, as bankers, what would in England be considered a large or profitable business. The operations of English bankers are bewildering in their magnitude. Legions of clerks are employed. The senior book-keepers, though only salaried servants, are themselves great men; while the real partners are inscrutable, mysterious, opulent beyond measure, and altogether unknown to their customers. Take any firm at random,–Brown, Jones, and Cox, let us say,–the probability is that Jones has been dead these fifty years, that Brown is a Cabinet Minister, and that Cox is master of a pack of hounds in Leicestershire. But it was by no means so with the house of Heine Brothers, of Munich. There they were, the two elderly men, daily to be seen at their dingy office in the Schrannen Platz; and if any business was to be transacted requiring the interchange of more than a word or two, it was the younger brother with whom the customer was, as a matter of course, brought into contact. There were three clerks in the establishment; an old man, namely, who sat with the elder brother and had no personal dealings with the public; a young Englishman, of whom we shall anon hear more; and a boy who ran messages, put the wood on to the stoves, and swept out the bank. Truly he house of Heine Brothers was of no great importance; but nevertheless it was of good repute.

The office, I have said, was in the Schrannen Platz, or old Market- place. Munich, as every one knows, is chiefly to be noted as a new town,–so new that many of the streets and most of the palaces look as though they had been sent home last night from the builders, and had only just been taken out of their bandboxes It is angular, methodical, unfinished, and palatial. But there is an old town; and, though the old town be not of surpassing interest, it is as dingy, crooked, intricate, and dark as other old towns in Germany. Here, in the old Market-place, up one long broad staircase, were situated the two rooms in which was held the bank of Heine Brothers.

Of the elder member of the firm we shall have something to say before this story be completed. He was an old bachelor, and was possessed of a bachelor’s dwelling somewhere out in the suburbs of the city. The junior brother was a married man, with a wife some twenty years younger than himself, with two daughters, the elder of whom was now one-and-twenty, and one son. His name was Ernest Heine, whereas the senior brother was known as Uncle Hatto. Ernest Heine and his wife inhabited a portion of one of those new palatial residences at the further end of the Ludwigs Strasse; but not because they thus lived must it be considered that they were palatial people. By no means let it be so thought, as such an idea would altogether militate against whatever truth of character painting there may be in this tale. They were not palatial people, but the very reverse, living in homely guise, pursuing homely duties, and satisfied with homely pleasures. Up two pairs of stairs, however, in that street of palaces, they lived, having there a commodious suite of large rooms, furnished, after the manner of the Germans, somewhat gaudily as regarded their best salon, and with somewhat meagre comfort as regarded their other rooms. But, whether in respect of that which was meagre, or whether in respect of that which was gaudy, they were as well off as their neighbours; and this, as I take it, is the point of excellence which is desirable.