Lady

The Lady can be found in any town around the spawn location. This NPC has a few funtions (and a useless one also)
 * Chat: useless function.
 * Quest: With this you can receive or finish quests when you get a notification. But Lady doesn't have any quests.
 * Convert: With convert you can exchange 100,000 loyalty points (playtime) into 1 cp. Or exchange 2,000,000 loyalty points into a mighty reward. Mighty reward can be anything from materials to a protection scroll.
 * Exchange: With this function you can convert your playtime (minutes) into loyalty points.