16. Better than the shield or the lance of a powerful man,
17. it will fight for you against your enemy.
18. A good man offers credit for the sake of his neighbor. But one who abandons him to himself will perish in shame.
19. You should not forget the kindness of your benefactor. For he has offered his life on your behalf.
20. The sinner and the unclean flee from such promises.
21. A sinner attributes to himself the goods of his loan. And an ungrateful mind will abandon the one who has freed him.
22. A man offers credit to his neighbor. But when he will have lost respect, he will abandon him.
23. A wicked promise has destroyed many who had good intentions, and has tossed them like a wave on the ocean.