■■■ Bank Customer Guidelines (6)
Kang Ye-rin's brain froze for a moment. Passenger terms of service? Was there such a thing?
"Ha, but we already have the terms of service."
Irritation laced Han Yujin's response. Kang Ye-rin knew that voice well. It was the tone she used for clueless newbies acting slow. She'd heard it plenty herself.
Blood rushed to her head. I'm a section chief at Unique Company! ...Ah.
She'd been abandoned by the company. The surge of anger fizzled out just as fast.
Right now, Kang Ye-rin had neither the strength to retort nor the will to defy. As long as I don't die. If she could just avoid being slowly consumed by this horror story, she'd grant any demand. Survival for prey was always about groveling, after all.
Kang Ye-rin forced her trembling lips open. "Um... could I... have the bank passenger terms of service?"
The bank teller standing before her stared down with emotionless eyes. Her mangled hand had already returned to normal.
"I'm sorry, customer. Our loan counter serves only customers. We don't handle passenger-related business, so those terms are outside my scope."
The faint hope she'd harbored was crushed mercilessly. Thud. Her heart plummeted like a stone.
Han Yujin. This crazy bitch pretended to know everything!
Kang Ye-rin screamed into her earphone. "They say there's no such thing! Why pretend you knew?! I'm dead, I'm totally dead! You rotten straw-grasping bitch!"
"What the hell is that, you shut-in bastard?! Yeah, I'm the idiot for trusting you. Go screw up a contract somewhere and get scammed into suicide!"
Kang Ye-rin's venomous tirade dripped with poison. Once you left this horror story, re-entering was nearly impossible. Entry conditions were practically random. Fail to resolve it here, and the rest of her life would just be a countdown to death.
She had no choice but to spew venom.
Han Yujin's voice, by contrast, was infuriatingly calm. To her, for whom life was the gallery, Kang Ye-rin's curses were just casual greetings.
"Next...?"
Kang Ye-rin mechanically turned her head. The new suggestion instantly cooled her rage.
Kang Ye-rin walked to the next counter, grinding her teeth. Suppressing the urge to rip Han Yujin's mouth off was torture. The bitch was a master at mockery, flipping stomachs like a pro spatula. While others teetered on madness from fear of death, she stayed cool as ice.
Is that psycho not even scared of horror stories?
Come to think of it, Unique Company's legendary director had said something. The real stars in horror stories weren't rule-following normies, but crazies with a screw loose in their brains.
Fuck.
In the end, she had to rely on that genius lunatic.
"Welcome, passenger. What product would you like to use?"
The deposits and trading teller greeted her with a soulless face. Kang Ye-rin spoke as politely as possible, laced with desperation. "Could I... see the trading terms for passengers?"
The teller paused. "■■?"
Kang Ye-rin swallowed hard. Fuck. Weird reaction. Something's off.
The teller's brow furrowed. Eyebrows, eye corners, pupils—all twisting. Yeah, like spotting a cockroach.
Then the mouth opened, oozing disgust—
"■■■■■■■"
Beeeep—
She realized it then, vomiting blood. She'd overstepped as mere human scum.
This was for noble, exalted beings—a lowly fodder beast like her was just livestock, raised on scraps for tender meat—
"...?"
Han Yujin's voice hit, and black liquid spewed from Kang Ye-rin's mouth. A symptom of recovering from mental corruption.
Goosebumps erupted; her mind cleared in a flash. What did that monster just say to me? And... did that bitch Han Yujin say something super offensive?
Absurd enough to snap her out of mental pollution...
"Wh-what the..."
Complain? About what? Did she understand the teller's words?
Kang Ye-rin winced involuntarily. This hurt in its own way. Thank god the earphones couldn't capture strong accents or high pitches well.
She hesitated. Mental-polluting monster vs. auditory-polluting human-shaped something. Which to follow...
No choices. Kang Ye-rin slammed the counter. Bang!
"No, humans can use it too, right?! Nothing in the terms says otherwise! What kind of species discrimination is this?! Humans want to buy stuff too! Trade too!"
Ridiculous even to her own ears. But shockingly, it worked. The teller's hollow eyes flickered faintly. They pulled out a worn paper from under the counter and tossed it with a thud.
"......"
Kang Ye-rin snatched it with shaking hands. That's when giggles erupted from the earphones.
"You told me to!"
She swallowed a curse. Too many eyes—or monsters—watching.
This bank sells various products for smooth ■■ by trading passengers and ■■■.
We handle only top-grade products complying with ■■ and ■■ procedures. (Omitted)
1. All products at this bank were recruited per humanitarian rules and are high-quality 'voluntary contract products' whose owners agreed to their value assessment. Notice thereof.
1-1) 'Product' refers to a 'customer' who completed an 'existence value collateral loan' at this bank.
1-2) 'Product' current price is defined as [loan received by product + total loan interest due so far].
2. Product purchases require installment contracts of 1+ year. This ensures our high-quality sourcing; your understanding appreciated. (*But immediate receipt possible by paying product's 1-year loan interest + early repayment fee + trade installment fee in lump sum)
3. If 'product' exhausted its bank loan, 'passenger' may receive ownership after repaying all unpaid installments and remaining principal.
4. ■■ and VVIP passengers may use our deposit services up to 100% (*all discounts met) of annual product purchase amount.
5. Inquire at counter for contract brokering etc.
A shock like a hammer to the head. The terms booklet slipped from Kang Ye-rin's limp hand.
Giggles from the earphones.
Voluntary... Someone bought me?
Come to think of it, this teller never said 'deposit' once.
Products yielding up to ~365% per year on loan amount. Want to trade? That was it.
The money piling into her account in real-time was some unknown entity paying her body price?
And she'd been thrilled like an idiot.
"Urghhhheeeek!"
Perfectly, thoroughly hooked. She'd even completed the trade herself—no backing out now. Horror contracts were absolute.
"Ugh... aaah...."
Kang Ye-rin collapsed in panic. All over.
Then, like salvation—or a devil's whisper—Han Yujin's voice returned.
"Wh-what, really?"
Kang Ye-rin clung to her last hope. "Do... you sell... contracts?"
The teller nodded.
Stumbling, Kang Ye-rin paid and got a parchment-like contract.
"......What?"
Absurd... About to snap back, Kang Ye-rin realized she couldn't be picky about hot or cold water now.
This horror—at least B-rank, no A+ by new terms. Trading with monsters risked soul-theft beyond death.
"There's... a way?"
Kang Ye-rin hesitated. No alternatives.
With shaking hand, she signed. The moment finished, Han Yujin chuckled lowly.
Chill ran down her spine. "Wh-what?! What did you do...!"
...Is this bitch even human, or a monster?
As Kang Ye-rin raged with curses, Han Yujin tossed one more line.
Magically, Kang Ye-rin's mouth sealed shut. No sound despite opening wide. The contract's power.
"......What?"
Kang Ye-rin eyed her money bag. 10 billion inside. Unique Company funds for summoning here.
Worth embezzling from company that ditched her? Fuck 'em.
She declared repurchase intent. Teller shook head. "Sold products can't be repurchased."
Shaking, Kang Ye-rin said "double." Teller stood still, as if waiting.
Soon: "Approved by purchasing passenger. Broker fee 30%, paid by buyer."
Entranced, Kang Ye-rin followed: 6 billion principal, interest, fees—total loss.
All done, teller extended hand. "Use delivery service?"
Kang Ye-rin blankly stared. ...Huh? Over? This easy?
"Ah...?"
Oh. Right. She had money anyway—could've escaped without Han Yujin. But somehow ended up contract-bound...
"Scammed by a scammed bitch... you dog-eating...!"
As Kang Ye-rin scrambled toward the door in the bank's corner, Han Yujin laughed with a final command.