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It grants loans of 50 to 500 Latvian lats ($100 to $1,000) to any adult after he or she signs the a very short agreement.
According to the agreement, the only security required of the borrower is their immortal soul, which they are asked to confirm as their previously unmortgaged property.
The loan is subject to one percent per day in interest until full repayment.
The period of full repayment is 90 days, and in case the borrower fails to return the money, the creditor gets full possession of his soul.