My answer is: the name of the loan is on the table. When we write IOUs, we must first write a series of key words, such as the amount of the loan, where we borrowed it, who is the reference and so on. After writing it all, we finally sign, the borrower signs, the reference signs, and then write the date. If there is a private seal, it is best to affix a private seal on the name and date to avoid complication, which is what we usually call it.