Alone with Jane, the gypsy hides behind a large hat. She describes how Jane feels lonely and represses her feelings. Though initially skeptical, Jane is awed by how much insight the gypsy has into her feelings. The gypsy says that Jane is very close to achieving happiness. She tells Jane that Blanche's dismay resulted from the gypsy's telling her that Rochester wasn't as rich as he seemed.
The gypsy really does seem to have mystical powers, and can see right into Jane's heart. Blanche, meanwhile, is revealed as totally shallow and interested only in money rather than love or any emotional connection. (Note that "gypsy" is now considered an ethnic slur for the Romani people.)
The gypsy asks Jane about any love interests, which Jane denies having. Jane admits she is alone, but not sad. She says that thoughts of someday building a school cheer her up.
Blanche and the other women asked about love and husbands. Jane focuses on her own independent dreams.
As the gypsy woman continues speaking, her voice deepens, and Jane suddenly recognizes the gypsy's voice and hand—the gypsy is Rochester in disguise! (For a moment, Jane had suspected that the gypsy was Grace Poole.)
The disguise represents how Rochester masks the truth about his identity. He plays with people, including Jane, and shows them little respect.
Though furious with Rochester for fooling her, Jane still mentions Mr. Mason's arrival at Rochester. Rochester staggers and Jane holds him up. Rochester asks Jane if she would shun him if he were to experience a scandal. Jane promises to stand by him, and goes to bring Mr. Mason to Rochester.
Rochester's question implies that he doesn't think Jane would accept him for who he really is. It also suggests that he might be linked to the supernatural events at Thornfield. Jane is devoted to Rochester, however, and wants to serve him.