MOORE, Chief Justice.
On November 23, 1960, one Lucille M. Fernung was indebted to the H. H. Hankins Finance Company, hereinafter referred to as Hankins, in an amount substantially in excess of $700. A diamond ring was held by Hankins as a pledge to secure payment of the debt owed by Fernung. On that date the following instrument was executed between the plaintiffs in error, Hankins, and Lucille M. Fernung:
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