"I hereby owe Shen Mochen a total of one million yuan, to be repaid in full by XX/XX/XXXX.
Borrower: Xiao Xingshuang
XX/XX/XXXX
After skillfully writing out the IOU, Xiao Xingshuang bit her finger, pressed her fingerprint on it, took another glance to ensure it was correct, then lifted her head and peered at Shen Mochen's face.
"You're quite practiced at this..." Shen Mochen's gaze was complex, and then he put on a fierce expression, "But have you forgotten something?"
Confusion showed on Xiao Xingshuang's face.
"What if you can't pay it back?" Shen Mochen clicked his tongue.
"...I will pay it back," Xiao Xingshuang hesitated, and then said.
Shen Mochen shook his leg, "If you don't pay it back, I'll charge an annual interest of twenty percent!"
Xiao Xingshuang nodded, then bent her head and rewrote another note, adding this term to it.
