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Till they take (or receive), they kiss the hands of the giver; and in promises they make meek their voice. And in (or at) the time of yielding, he shall ask (for more) time, and he shall speak words of annoy(ance), (or of hurt), and of grudgings, (or of grumblings), and he shall challenge falsely the time, to tarry the paying of (the) debt. [To the time that they take, they kiss the hands of the giver; and in promises they meek their voice. And in time of yielding he shall ask delaying, and he shall speak words of annoy(ance), (or hurt), and of grudgings, and the time he shall plead (for) or complain (about).]

Forsooth if he may yield, he shall be adversary; of a shilling scarcely he shall yield the half, and he shall reckon that as (re)funding. Else he shall defraud him in (or of) his money, and the lender shall have him (as) an enemy without cause. And he shall yield to him, that is, to the lender, wrongs and cursings; and for honour and benefice, he shall yield to him despising. [If forsooth he shall be able to yield, he shall be enemy; scarcely of the whole he shall yield the half, and he shall count it as (re)funding. Else forsooth he shall beguile him his money, and shall have him enemy willfully. And reproofs and curses he shall yield to him; and for worship (or honour) and benefit he shall yield to him wrong.]

Many men lend not, not for cause of wickedness, but they dreaded to be defrauded without cause. [Many, not because of shrewdness (or depravity), lend not, but to be beguiled willfully, they dreaded.]

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