In English
Draw upon the accounts of previous births
This bank will not give loans to all and sundry; its help is only for those who are credit-worthy, who have impressed by their industry and integrity that they will make good use of the money and keep their word. That other Bank too will save from distress and grief those who have , , and . This bank will help only in proportion to the deposits that stand in your name; that Bank too deals like that. The consequences of the meritorious activities of previous births can be drawn upon now; but unless you have them, no cheque will be honoured. Moreover, only those who have the account can operate. Each must have a separate account in his own name; one brother cannot draw on the account of another brother; the wife cannot draw on the account of the husband. This bank will give loans if you mortgage your house or lands, property that has come down to you from your ancestors, gold jewellery that has come to you from your mothers, etc. That Bank also will allow you to draw upon the accounts of previous births, and deposits made then. That is why you find some people, who are obviously wicked and cruel, mean and miserly, yet leading 'happy' lives, free from pain and grief. They have drawn upon deposits made in the past. They are entitled to that happiness. Sometimes, this bank will grant you overdrafts, so that you tide over temporary crises; the extent of the overdraft is settled by the Manager with reference to your reliability and capabilities. It is like the (Grace), that God will confer on you when you have earned it by ., , and (good deeds, good thoughts, good feelings, good company and constant contemplation on the name of God and the glory it seeks to express).