Montague and Jonas go to the Anglo-Bengalee Disinterested Loan and Life Assurance Company. They are both silent on the trip there. Jonas is angry that he is defeated, but this increases his sense of purpose. Though in a desperate situation, he goes willingly.
Montague reproaches Jonas for his attempted flight. Had they not included him in their schemes? Jonas says that Montague doesn’t know that he was trying to flee. The other man replies that only a man who was trying to escape would be on a foreign boat at an early hour dressed in concealing clothing. Jonas points out that he came back willingly, which Montague says was smart of him.
Montague mentions that he has information on Jonas. He doesn’t condemn Jonas, but he will use it for his profit. He has proven to Jonas that there is no escape. He wants Jonas’ help in ensnaring Pecksniff.
Jonas wants Montague to go with him when he goes to visit his father-in-law. Montague is reluctant, fearing that Pecksniff will recognize him from their first meeting. Jonas points out that Montague’s appearance and situation has greatly changed, and that really isn’t very likely. Montague reluctantly agrees. Jonas becomes boisterous and jokes with everyone at the company while the arrangements are being made for the trip.
Hearing Jonas remark that he has a score to settle with the man who delivered the letter to him, Montague asks Nadgett who delivered it. Nadgett says he gave it to his lodger Tom Pinch. He didn’t want to blow his cover by giving it to Jonas himself.
Jonas admires Dr. Jobling’s lancelets while they eat lunch. He asks if a person could cut a man’s throat with them. Jobling answers that it is possible if the person cuts in the right place. The doctor tells how many people in his profession have committed murder. He relates one case where a doctor had killed a man, leaving only a drop of blood. Jonas shows much interest in the story.