Nancy is a scrub girl in a fashionable residence, remains honest and law-abiding despite being raised by Mother Hawkins, the fence for many of the city's criminals. She befriends wealthy John Lewis, who argues with his neighbor, Southern gentleman Andrew Calvert, that a lady is made, not born. After Mother Hawkins takes $100 from visiting crook, Gentleman Chi, for Nancy's help in robbing a safe, Nancy leaves her look-out post and Chi, arrested, vows revenge. For protection, Nancy goes to Lewis who sees an opportunity to prove his theory. Five years of wealth and education turn Nancy, now introduced as Lewis' niece, into a woman of refinement and grace. After she befriends Calvert's daughter Virginia, Chi returns. He pursues Virginia, planning to elope with her after she has stolen the family jewels, but Nancy, drawing on her upbringing, steals them back. When Nancy is caught, Virginia confesses, and Lewis, in love with Nancy, proposes to her.—Pamela Short