My Simulated Road to Immortality

Chapter 182 - 182: 168: Fresh Wind Brushes the Spirit

Tree

Translator: 549690339

Previously, when Moon Palace, along with several other similar organizations, had been uprooted by the mysterious man in black.

Li Fan had already speculated that these organizations might not have sprang up only after Moon Palace’s Great Endeavor of Law Passing was in full swing.

Instead, these organizations were originally engaged in lending-related businesses.

After seeing the huge profits generated annually by Moon Palace, they simply couldn’t help but follow suit.

If Dao Origin State had organizations like that, then naturally, similar ones should exist in the Misthaven Ocean too.

To get rich quickly, it was common to leverage debt.

Li Fan planned to take advantage of the sharp fluctuations in the prices of Spirit Mist Grass and make a killing.

Of course, he needed the help of these lending organizations.

However, whether it was before or in this lifetime.

Despite Li Fan’s extensive questioning, he never was able to find any trace of them.

Clearly, the organization handled their business very carefully.

So, Li Fan turned to He Zhenghao for some information.

Sure enough, He Zhenghao did not disappoint him.

“Before you go to Breeze Hall, you should think twice.”

“They won’t just lend you contribution points for free. You will need to pay an exorbitant eighteen percent interest annually.”

“If you make a profit, that’s fine, this interest could be paid off quickly. But if you lose…”

He Zhenghao’s eyes twitched, “I’m afraid you might end up working for them for over a decade to repay your debts.”

Li Fan cupped his hands in thanks: “Thanks for your advice, I will keep it in mind. Don’t worry, I know what I’m doing.”

“I won’t bother you anymore, let’s talk again next time.”

With that, Li Fan returned to Ten Thousand Immortals Island via the teleportation array.

He headed straight towards Breeze Hall.

In a corner of the outermost area of Ten Thousand Immortals Island, he finally found it.

It was unassuming, no different from any regular small shop.

Li Fan activated an Invisible Talisman and stepped in.

An unkempt old man was asleep on a recliner behind the counter.

He didn’t even open his eyes when a customer walked in.

He continued to shut his eyes, swaying back and forth in his chair.

Li Fan, according to He Zhenghao’s instructions, brought out a dark green jade badge.

“Ding, ding, ding.”

The old man rapped on the counter three times.

The dark green jade badge emitted a faint light, forming a doorframe.

Li Fan looked around for a moment, then stepped through the door.

His figure disappeared and the green shadow of the door also vanished.

As for the old man, his posture remained unchanged from beginning to end.

It was as if no one had ever stepped into Breeze Hall at all.

Li Fan first found himself surrounded by darkness, then light appeared again.

He looked around and found himself standing under a giant tree.

His just activated Invisible Talisman was also surprisingly deactivated instantly.

The tree was lush and leafy, each leaf resembling jade and emitting a soft,

On the tree trunk, however, was a human face.

It stared at Li Fan and asked, “Who introduced you, and why have you come here?”

Li Fan addressed the tree face, “He Zhenghao from Liuli Island introduced me. I want to borrow something from Breeze Hall.”

The tree face seemed a bit slow to respond.

It took a long while after Li Fan spoke before it responded: “As a cultivator at the Final Stage of Foundation Establishment, you can borrow up to thirty thousand contribution points.”

“The annual interest rate is sixteen percent, and you can decide how to repay.” “The longest duration for an unpaid debt is ten years.”

The tree face introduced Breeze Hall’s services to Li Fan, one statement at a time.

After it finished speaking, Li Fan finally complained: “Why is it only thirty thousand contribution points? That’s not enough.”

“I am a twenty-nine-year-old cultivator at the Final Stage of Foundation Establishment, with fresh prospects. Can’t you show more favoritism?” The tree face tried to open its eyes wide to thoroughly observe Li Fan.

After observing for a while, it finally said: ‘You can borrow up to forty thousand contribution points.”

Li Fan was getting impatient: “Just an additional ten thousand contribution points? That’s too stingy!”

“When I was in Yuandao State and still at Mid Stage of Foundation Establishment, I was able to borrow seventy to eighty thousand contribution points from Moon Palace!”

“How did Breeze Hall fall short so much!”

“Tree Bro, are you in charge? If not, could we speak to someone who is?”

Li Fan spoke casually while darting his eyes subtly in a certain direction.

Branches above swayed without wind, glowing leaves rustled softly.

The tree face stared at Li Fan, emotionless.

Li Fan met the tree face’s gaze fearlessly.

After a long time, the tree face finally spoke, “Fifty thousand, no more.”

Li Fan looked disappointed, then added, “Oh, I meant to borrow Spirit Mist Grass, not contributions. Can you lend me that?” He blinked, staring hard at the tree face.

The invisible wind seemed to grow stronger.

The leaves on the branches shook more violently.

“Yes. For borrowed items, the interest is not calculated based on the borrowed amount, but the borrowed quantity,” the tree face spoke in a low, ominous tone.

“If returned within the first year, the amount to be repaid is calculated as 130% of the borrowed quantity.” “In the second year, it’s 160%.”

“In the third year, it’s 200%.”

The maximum borrowing period is three years.”

Li Fan looked outraged at hearing the terms, “That’s daylight robbery!” Seeing the stern expression on the tree face, he decided to keep quiet.

Then he was back to bartering, “What if, for borrowing items, could you let me borrow a little more?”

The tree face chose to ignore Li Fan.

Seeing this, Li Fan could only accept it reluctantly.

“So, how much Spirit Mist Grass can I borrow now?” he asked. “Two thousand seven hundred,” the tree face muttered.

“Two thousand seven hundred,” the tree face muttered.

Li Fan mumbled to himself, saying something unclear.

“Alright! I’ll borrow! What’s the procedure?” Li Fan seemed to make up his mind.

A green leaf floated slowly down from above, landing in front of Li Fan.

As he held it in his hand, a stream of information suddenly appeared in his spirit consciousness.

It was exactly what Li Fan had just agreed with the tree face.

“If you agree, refine this leaf with your spiritual power.”

Li Fan nodded and immediately wrapped the leaf in his spiritual power.

In a blink, the leaf was refined, and a barely visible leaf pattern appeared on the inside of Li Fan’s left arm.

“The tree pact will disappear once the debt is repaid.”

“Wait a moment, I’ll bring you the Spirit Mist Grass you borrowed.”

After saying that, the tree face disappeared into the tree body, whereabouts unknown.

Seizing this opportunity, Li Fan lifted his head to examine the big tree.

The capability of the tree face was a bit peculiar to him.

It was clearly stronger than True Lord of Nascent Soul, yet barely weaker than God Transforming Immortal Monarch.

Additionally, this space bore no traces of array techniques as if it naturally formed.

Li Fan glanced around curiously.

After a while, the tree face reappeared.

It opened its mouth and spat out a storage ring.

“The Spirit Mist Grass is inside.” “The deal is done, you can go now.”

“Remember to repay on time, otherwise…”

Before Li Fan could respond, the tree face evicted him from the space.

Underneath the giant tree, trails of green lights gathered to form a hazy green silhouette.

“Borrowing so much Spirit Mist Grass? Interesting.” A clear female voice emanated from the figure.

“Is the price of Spirit Mist Grass going to drop?” “Ah Liu, keep a close eye on it recently.”

The tree face responded gloomily, “Yes, Miss.”

“Miss, that guy just now was really annoying.”

The green silhouette let out a chuckle, “Yes, he was indeed quite annoying.”

“But, which clan is this Moon Palace from? How come I’ve never heard of them before?”