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. Now, this is a million to one shot that this would win, but after the golf game, the man figures - what the heck.
Tons of cash comes sliding back across the table.
The man takes his winnings and buys the best room in the hotel. You 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. So, he kisses the frog. All of a sudden, the frog turns into the most gorgeous 16 year old girl in the world.