During the First World War an American officer and a British aristocrat fall in love but are separated. After the war he returns to find her engaged to another man. The issue is settled by a bet on The Derby horse race.
Lovey Mary (Love) is a runaway from an orphanage who takes a little companion and finds a home with poor and kind Mrs. Wiggs (Mary Alden). As a plus, the cheerful young girl also meets Mrs. Wiggs eldest son, Billy (William Haines).