Rosanna confesses that she loves Franklin. She briefly relates her personal history—she was forced into thievery as her father left and her mother had no money. Her life was not hard to bear until she was "taught to feel [her] own degradation" at the reformatory. Lady Verinder eventually took her in. She recalls the morning she first saw Franklin on the dunes and fell in love with him, though she knew that he would never love a servant. Rosanna developed a hatred for Rachel, whom Franklin did love.

Rosanna speaks of the morning after the diamond was stolen. Penelope, who was there when Franklin and Rachel finished the door, told Rosanna that the paint on Rachel's door had to have been smudged during the night. Tidying up Franklin's room later in the morning, she found his nightgown on the bed with the paint on it. Thinking that the nightgown was evidence only of illicit intimacy between Franklin and Rachel, Rosanna determined to hold on to it, perhaps to use against Rachel.

Here, Franklin stops reading, with mixed feelings. He now regrets his callous treatment of Rosanna, but he finds himself becoming angry with her as he reads on. Betteredge continues reading.

Rosanna writes that she decided to make a replacement nightgown, which she did overnight and replaced the next day. After the servants are questioned and the details of the theft laid out, Rosanna realized that Franklin was in Rachel's room to take the gem, not to see Rachel. She resolved to shield Franklin and went in the library to tell him of her resolve but was interrupted by Betteredge. Rosanna relates how she herself came under Cuff's suspicion next and bore it all for Franklin.

Here Betteredge stops reading Rosanna's letter and asks Franklin if he now remembers anything more about the night the diamond was stolen, but he doesn't. Franklin has already resolved to see Bruff for advice and to try to get Cuff out of retirement.

They are interrupted by a knock on the door. It is a strange-looking man with a "complexion of a gipsy darkness," a wrinkled face, and hair which had gone white on the sides, but remained black on top. He gives Betteredge a list and leaves. Betteredge explains that he is Ezra Jennings, Mr. Candy's assistant who has been tending to the sick as Mr. Candy has never recovered from his illness.