Xiao Sanhai looked down at Lin Fan with the arrogant gaze of a king overlooking peasants.
Though they were once classmates, their lives were now worlds apart. He was rich and powerful. Lin Fan? Just a nobody.
"If I tell you to kneel, you don't even have the right to stand," his eyes seemed to say.
The two security guards watched with glee, eager to see Lin Fan humiliated once again.
The commotion drew a crowd, and when people recognized Lin Fan, sneers broke out.
"Oh, it's that loser again."
"Hah, he shows up every time just to get shamed. It's like he enjoys the embarrassment."
"Hard to believe he and Manager Xiao graduated from the same university. They live in two completely different worlds now."
"If I were him, I would've found a wall to smash into a long time ago."
"Tsk, tsk. Does he even have any self-respect left?"
Not a single voice in the crowd stood up for Lin Fan. Instead, all he received were jeers and disdain.
They had no personal grudges against him.
But it was as if mocking Lin Fan gave them a twisted sense of superiority.
You're poorer than me? I'll mock you.
You're less successful than me? I'll trample you.
When did society become so sick?
Everyone here—seriously ill.
Lin Fan stared at the arrogant Xiao Sanhai, his brows furrowed.
In the past, he might've swallowed his pride and endured it. But now…
Things were different.
The tension in Lin Fan's brows eased. He looked Xiao Sanhai dead in the eyes and said calmly:
"For the sake of old times, I'll give you a chance."
"Kneel down and apologize. I'll let the past go, including what happened today."
Xiao Sanhai was stunned for a moment—then burst out laughing.
The two security guards laughed so hard they could barely stand straight.
"Did this idiot hit his head or something?"
The crowd joined in, watching Lin Fan like he was some kind of street performer.
Some even started munching on sunflower seeds.
The bald security guard wiped a tear from laughing. "Kid, Manager Xiao here is the branch manager of Huahai Bank. And you want him to kneel to you?"
The other guard raised his baton. "Enough talking. Let me teach this trash a lesson!"
Lin Fan frowned and silently called out to the System in his heart.
"System! Are you hiding features from me? Do you have any emergency skills? Your host is about to get beat up—hurry up and give me something useful!"
But the System remained completely silent.
Lin Fan nearly cursed out loud.
Looks like once he had some money, he'd need to hire bodyguards…
Just as the baton was about to land on him—
Screech—!!
A sleek BMW iX3 suddenly pulled up and braked hard in front of Huahai Bank.
The tires screeched against the pavement, releasing a faint burning smell.
The car door opened.
Out stepped a stunning woman.
She wore sunglasses, her face half-hidden, but her fair skin and exquisite features still shone.
Short brown-blonde bangs framed her face, giving her a sharp and mature aura.
A crisp white blouse and a hip-hugging skirt outlined her perfect curves.
Especially those long legs—wrapped in sheer black stockings—every step she took oozed confidence and elegance.
Lin Fan was momentarily dazed by those legs.
Not too long, not too short—just right.
Elegant curves wrapped in silk. A silent seduction.
The two security guards were instantly stunned.
"M-Miss Chu?!"
Chu Yao!
The princess of Huahai Bank.
Daughter of Chu Yuanming, the bank's president.
His beloved only daughter, since his wife had passed away early.
From the moment she was born, she lived in the lap of luxury.
That wasn't an exaggeration.
And Chu Yao had another title in Shanghai:
One of the Three Great Beauties of Shanghai!
She was the dream girl of countless rich second-generation heirs.
Now, she had appeared here in person!
Xiao Sanhai was so startled that he rushed forward with a fawning smile.
"Miss Chu! W-What brings you to our humble branch today?"
Chu Yao glanced at him through her sunglasses. Her voice, though pleasant, was ice cold.
"Do I need to report to you when I come to my own bank?"
Xiao Sanhai trembled. Cold sweat poured down his back.
It wasn't that he was cowardly.
It was just that Chu Yao's status… was far beyond his reach.
In front of her, he was nothing.
Chu Yao didn't spare him another glance. Instead, she turned toward Lin Fan.
"What's going on here?"
"If I'm not mistaken, he was coming in to handle business. Why was he stopped outside?"
Xiao Sanhai quickly tried to explain, "Miss Chu, you've misunderstood. This guy isn't a client—he's just a deadbeat."
"He owes our bank 130,000 yuan. It's already been overdue for over half a month."
Chu Yao's brows twitched slightly under her sunglasses.
She disliked people who failed to keep their word.
It wasn't shameful to borrow money—but failing to repay it?
Now that was shameful.
Lin Fan likely fell into the latter category.
But contrary to expectations, Lin Fan stood firm—calm and composed.
So, this was the young miss of Huahai Bank?
Perfect. Things would be easier now.
Lin Fan stepped forward and stood directly in front of her.
He looked straight at Chu Yao and said coldly:
"I came here today to repay my debt—and to conduct business."
"But your bank staff wouldn't let me in. Don't you think I deserve an explanation?"
Before Chu Yao could respond, Xiao Sanhai sneered from the side.
"Business? You?"
"You came to deposit money or something?"
Lin Fan smirked. "That's right. I came here to deposit money."
Xiao Sanhai burst into laughter. "You? Even if you deposit something, what is it—ten yuan? A hundred?"
"If you deposit more than four digits, I'll kneel down right here and call you Dad!"
Chu Yao didn't say a word. She just stood there watching coldly.
If Lin Fan turned out to have some background, she might help him out.
But from what she had seen, he was just a broke nobody.
What kind of business could he possibly bring to the bank?
Lin Fan saw through her silence, and a sneer curled on his lips.
This is society. Cold, realistic.
But it doesn't matter.
Now that I have the System, I will rise.
I'll never be that poor loser again.
He took a deep breath, stepped forward, and calmly said:
"I came to open a new account and deposit 200 million yuan."
"Does your Huahai Bank… want to do this business?"
The moment those words left his lips—
The crowd fell completely silent.
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