A filler episode: Tsunade decides to stop at a nearby hot springs before returning to Konoha. Jiraiya is convinced when he learns about co-ed bathing.
As Jiraiya and Naruto relax in the hot spring, Tsunade explores the town. Naruto soon leaves the bath and returns to his room to find a note from the Akagi Family. If he wants his necklace back, come to the three trees behind the inn and return the money.
Naruto heads over to the meeting place and demands his necklace. They show him the promissory note from Tsunade and explains that they are Senta and Bunzo from the Akagi family. Their Boss ordered them to collect the money three years ago. They hoped Tsunade would come after them if they stole her necklace. Naruto decides he will help them collect on Tsunade's debts.
In town, Tsunade demands that Shi*une go get their life savings so she can continue to gamble. At the desk, a man hands her a note. She rushes back to the casino, but Tsunade is nowhere to be found. Frustrated, she rests and re-reads the note. The Akagi family has Naruto and demands their money back. She fears people will learn of Tsunade's huge debt and now allow her to become Hokage, so she decides to take action.
Shi*une poses as Tsunade and bargains for Naruto's life. She offers a fake wallet, and Naruto stares in disbelief that she won't pay her debts. Shi*une realizes that Naruto was never in danger. He teamed up with the Akagi family to collect on the debt.
Naruto sets out to steal Tsunade's suitcase which holds their money. Shi*une, still disguised as Tsunade, foils his plan. He appeals to her emotions - as Hokage, won't she help these poor fellows return home? Naruto punches and Ton-ton returns to form as Shi*une runs at them from behind. Both Kage Bunshin.
Meanwhile, the real Tsunade is dining with old acquaintance Boss Jirocho as a number of her clones are pursuing Naruto's clones. After a rumble, the Akagi family gets the wallet only to find a wad of promissory notes. The real Tsunade shows up and demands to know what's going on. She explains she paid off her debt from their family last year. Boss Jirocho even has received a letter from the Akagi family asking that the two men return home immediately.
As the group returns home, Naruto asks Shi*une why she worried so much about the briefcase. She feared people might oppose Tsunade if they learned of her debt.
Jiraiya's been sitting in the hot springs for this entire episode, vowing not to move until he baths with lovely young girls. In the meantime, he finds himself sharing a bath with monkeys, sumo wrestlers, and old ladies. Finally when it's time to leave, several lovely girls join him.
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