CHAI HOK-YAN is an honest and upright official responsible for the escorting of imperial funds. His son, CHAI PAK-TSUN, has been living in Jinan for the last twelve years for YAN believes in the words of a fortuneteller that PAK-TSUN is a jinx to him by fate. YAN has recently been promoted Minister of Revenue. Not long after his promotion, he decides to cleanse out the corruption in his office. By doing so, he has offended his superior, the corrupted CHAI NGAI. KIU PUN-YIP, the boss of Ting Fung Shing, the largest draft bank in the country, is going round to see how his businesses are doing. Over the years in the business, YIP has been trusted by his customers for his wisdom, honesty, as well as for the quality of his silver dollars. He enjoys a very high reputation in the field too. Grand Minister of State TSUI WING-WAI is ordered by Dowager Empress TSE HEI to renovate the Summer Palace……

YAN and his whole family are executed. Not wanting to leave his family behind and live on disgracefully, PAK-TSUN wants to turn himself in. He is stopped by his servant MING SUM, who hits him to unconsciousness. SUM turns himself in, claiming that he is PAK-TSUN. SUM is executed. As requested by YAN before his execution, REVEREND VOID prevents PAK-TSUN from revealing his identity. He gives PAK-TSUN the letter written by YAN. CHEUNG SHUNG-MAN, the son of the Grand Minister of State, is a smart young man. MAN enjoys traveling. He travels to Shanxi before the arrival of the imperial examination. PAK-TSUN, who is homeless now, has also arrived in Shanxi. Here he meets PA PA HER YEE KO WAH and her younger brother, FU YEE CHIK. WAH’s horse is stolen because of PAK-TSUN. Despite this, upon learning his plight, she gives him some of her money left for his use. WAH has found the men who have stolen her horse……

YIP returns to the head office in Shanxi in preparation for the Joint Account Years. FONG YUN-TIN, YIP’s daughter-in-law who married into his family and the Second Steward of Ting Fung Shing, is busy helping YIP round. The First Steward, CHO YUE-TAI, also spares no effort in the preparation. MANG YUET-NGO has been jealous of her young sister, MANG YUET-SHEUNG, for her marriage with YIP. She therefore always seizes the chance to take advantage of SHEUNG. It is lucky that SHEUNG’s daughter, KIU CHING, is always there to help her out. To earn enough money to go back to their hometown, WAH and CHIK work as street-performers. They and MAN have become friends. Upon learning that WAH’s horse has been stolen, MAN asks for the help of Magistrate KEI FOOK-YAU, who is a family friend of his. The men who stole WAH’s horse have been arrested. YIP is visiting the Mint when a furnace explodes. CHAI steps up to negotiate for a fellow worker……

YIP sends someone to take some medicine to the Mint. He does not know until then that CHAI and the others have been fired. YIP goes to the Mint to give them some words of consolation. He also decides to hire CHAI as a trainee. While CHAI is learning hard, other trainees are trying hard to please the First Steward. TSUN is practicing the qin at home. MAN passes by her house and duets with her with his flute. Though they have not met each other, they have both left a good impression to the other. CHAI is doing well at Ting Fung Shing. He is, nevertheless, given the elbow by his fellows because of this. YIN goes to the country to buy some fireworks to please TSUN. He burns WAH’s tealeaves by mistake but he just leaves the scene. YIP flies into a rage when he learns about this. TSUN, knowing that she is indirectly involved in this, stands up to accept the punishment……

WAH has started her job at the KIUs. SHEUNG gives her a hard time, as she knows that her son was punished because of WAH. On the other side, CHIK has also started his job at Ting Fung Shing. He contradicts the Secretary, Mr. CHONG, and is punished. CHIK is not the social type of person. He feels helpless at Ting Fung Shing. TSUN bumps into WAH. The two get along very well and go to the market together. There they come across MAN. Although TSUN and MAN have never really met before, they both feel that they were like old friends already. Being a common friend of theirs, WAH works as their messenger. MAN cashes a money order for the church at Ting Fung Shing. He is told that the order is a counterfeit. YIP trusts that MAN is innocent. Later, MAN catches the person who uses counterfeit money orders. To thank MAN, YIP invites him to dinner at his place. MAN and TSUN play the music together. YIN is a bit jealous.