He looks at the frog and decides to prove the frog wrong, puts his other club away, and grabs a 9 iron. He is shocked. The man decides to take the frog with him to the next hole. Hole in one. The man is befuddled and doesn't know what to say.
Tons of cash comes sliding back across the table.
The man takes his winnings and buys the best room in the hotel. You've won me all this money and I am forever grateful. He figures why not, since after all the frog did for him he deserves it. And that, your honor, is how the girl ended up in my room. The origination of this letter is unknown, but it brings good luck to everyone who passes it on.