Judith regrets her decision to separate from Van and she returns to him. She is even strong enough to reject Dewitt’s advances to her. Lise resigns herself to her fate as a ghost and decides to leave Van and let Judith have him. The robbers, Elkus, Dope and Buddy, confess to the bank robbery and are apprehended by the police. The Dutch crew sail off in their ship called The Onrust. Skimmerhorn and Biggs are arrested by the police on suspicion of being involved in the bank robbery since the Orangeburg envelope is found on them. The Indian, John, is now blind and very ill. He gives instructions to Van on how he desires to be buried. Van and Judith reconcile. Van excuses his former attraction for Lise as being his loneliness for Judith.
The robbery in Nanuet is done by three incompetent robbers. They meet Judge Skimmerhorn head on on the mountain of High Tor. He asks them to run some errands for him for a grand total of ten bucks. They leave their satchel of $25000 behind accidentally. This shows how greed for five dollars advance money has cost the robbers the bigger amount of their loot of twenty-five thousand. Dewitt finds it and in turn leaves it to Biggs and Skimmerhorn. This subplot develops the characterisation of Biggs and Skimmerhorn. Biggs says the bank president is his friend but he has no scruples about appropriating the stolen money. He manages to convince Skimmerhorn to keep the money for themselves. Skimmerhorn has no legal nor moral scruples and is totally corrupt despite his position as a judge.