NIN appreciates CHAI’s performance very much. MR. HO, a customer of the bank, has passed away. NIN sends CHIK to collect HO’s debt. On the way, CHIK bumps into a westerner named ZIDANE and he is beaten up by his men. When they are fighting, TO appears. TO goes to see WAH. WAH files into a rage. CHAI calms her down and she is finally willing to talk to TO. She realizes then that why TO had left without saying goodbye. The lovers are reconciled with each other. Under the arrangement of TO, NIN and CHAI have a talk with ZIDANE. Their talk ends in discord nevertheless. For the long-term benefit of Ting Fung Shing, CHAI decides to hand over HO’s house to ZIDANE. NGAI visits Pingyao suddenly. On the surface, he has come to bestow the signboard to Ting Fung Shing on behalf of Empress Dowager TSE HEI. The fact is, he has come to ask for more funds for relief. His demand turned down, he turns to impose high taxes……