To Chun-fung is the illegitimate son of an affluent banking family during the Qing dynasty, but due to his birth title and his step-mothers he doesn't have much ambitions in life. Wanting to help the poor people in his county he decides to borrow money from his father and open a unique kind of bank. Instead of currency, his bank lends tools to people so that they can be employed. When nuns to-be Wai Lam (Tavia Yeung) and Wai Yu borrows from Chun-fung's bank to renovate their monastery and is unable to pay him back they are forced to be his personal servants and body guards.