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This post contains three contracts.

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The Bank of Neoxian shall loan the sum of 445 steem to @king-oghie. He promises to repay 495 steem. He shall pay via Powerdowns to the bank (estimated to be about 42 steem per week) until 495 steem is reached. The powerdowns shall begin immediately after the loan starts.

@king-oghie shall hereafter be known as the lendee…
To insure payment of this loan, the lendee promises to hand over their Owner key(s) to the bank. The bank will give back new active and posting keys to the lendee. The lendee affirms that the owner key(s) are given voluntarily and their account(s) are not stolen. They promise not to initiate the Stolen account recovery procedure.
The lendee agrees that if the Bank decides to change the active key(s) and keep them private, this does not constitute of breach of contract.
Lendee also consents to Bank changing the trustee if the Bank so chooses.
The Lendee promises not to power down the account(s) to the point where the collateral would be less than the owed value, or if it is necessary to powerdown to pay the loan, then the full powerdown should go to the bank.
Owner key(s) will be returned upon successful completion of loan.

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The Bank of Neoxian shall loan the sum of 500 steem to @madlenfox. He promises to repay 550 steem. He shall pay 183.333 steem per month until 550 steem is reached (three months expected). The first payment shall be Jan. 25th, 2019.

The Bank retains the Owner key of @madlenfox and shall return it when this loan is complete.

@madlenfox shall hereafter be known as the lendee…
The lendee agrees that if the Bank decides to change the active key(s) and keep them private, this does not constitute of breach of contract.
Lendee also consents to Bank changing the trustee if the Bank so chooses.
The Lendee promises not to power down the account(s) to the point where the collateral would be less than the owed value, or if it is necessary to powerdown to pay the loan, then the full powerdown should go to the bank.
The Lendee agrees this contract remains valid regardless of any flags this contract post might receive.

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The Bank of Neoxian shall loan the sum of 150 steem to @conficker. He promises to repay 165 steem. He shall pay via powerdowns until 165 steem is reached. First powerdown is anticipated to happen in about 6 days.

@conficker shall hereafter be known as the lendee…
To insure payment of this loan, the lendee promises to hand over their Owner key(s) to the bank. The bank will give back new active and posting keys to the lendee. The lendee affirms that the owner key(s) are given voluntarily and their account(s) are not stolen. They promise not to initiate the Stolen account recovery procedure.
The lendee agrees that if the Bank decides to change the active key(s) and keep them private, this does not constitute of breach of contract.
Lendee also consents to Bank changing the trustee if the Bank so chooses.
The Lendee promises not to power down the account(s) to the point where the collateral would be less than the owed value, or if it is necessary to powerdown to pay the loan, then the full powerdown should go to the bank.
Owner key(s) will be returned upon successful completion of loan.

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Please sign below...

(pic of Christmas Adam Jensen found on Reddit)

What other bank is open on Christmas???!