4כָּל שׁוֹמֵר שֶׁפָּשַׁע בִּתְחִלָּתוֹ אַף עַל פִּי שֶׁנֶּאֱנַס בְּסוֹפוֹ חַיָּב כְּמוֹ שֶׁיִּתְבָּאֵר. וְאֵין הַשּׁוֹאֵל רַשַּׁאי לְהַשְׁאִיל אֲפִלּוּ שָׁאַל סֵפֶר תּוֹרָה שֶׁכָּל שֶׁקּוֹרֵא בּוֹ עוֹשֶׂה מִצְוָה לֹא יַשְׁאִילֶנּוּ לְאַחֵר. וְכֵן אֵין הַשּׂוֹכֵר רַשַּׁאי לְהַשְׂכִּיר אֲפִלּוּ הִשְׂכִּירוֹ סֵפֶר תּוֹרָה לֹא יַשְׂכִּירֶנּוּ לְאַחֵר שֶׁהֲרֵי זֶה אוֹמֵר לוֹ אֵין רְצוֹנִי שֶׁיִּהְיֶה פִּקְדוֹנִי בְּיַד אַחֵר. עָבַר הַשּׁוֹמֵר וּמָסַר לַשּׁוֹמֵר הַשֵּׁנִי אִם יֵשׁ עֵדִים שֶׁשְּׁמָרָהּ הַשּׁוֹמֵר הַשֵּׁנִי כְּדֶרֶךְ הַשּׁוֹמְרִין וְנֶאֱנַס פָּטוּר הַשּׁוֹמֵר הָרִאשׁוֹן שֶׁהֲרֵי יֵשׁ עֵדִים שֶׁנֶּאֱנַס. וְאִם אֵין שָׁם עֵדִים חַיָּב הַשּׁוֹמֵר הָרִאשׁוֹן לְשַׁלֵּם לַבְּעָלִים מִפְּנֵי שֶׁמָּסַר לְשׁוֹמֵר אַחֵר וְיַעֲשֶׂה הוּא דִּין עִם הַשּׁוֹמֵר הַשֵּׁנִי. אֲפִלּוּ הָיָה הָרִאשׁוֹן שׁוֹמֵר חִנָּם וּמָסַר לְשׁוֹמֵר שָׂכָר חַיָּב שֶׁהֲרֵי יֵשׁ לְבַעַל הַחֵפֶץ לוֹמַר לוֹ אַתָּה נֶאֱמָן אֶצְלִי לְהִשָּׁבַע וְזֶה אֵינוֹ נֶאֱמָן. לְפִיכָךְ אִם הָיָה דֶּרֶךְ הַבְּעָלִים לְהַפְקִיד תָּמִיד דָּבָר זֶה אֵצֶל הַשּׁוֹמֵר הַשֵּׁנִי הֲרֵי זֶה הַשּׁוֹמֵר הָרִאשׁוֹן פָּטוּר מִלְּשַׁלֵּם שֶׁהֲרֵי הוּא אוֹמֵר לַבְּעָלִים זֶה הַדָּבָר שֶׁהִפְקַדְתֶּם אֶצְלִי אוֹ הִשְׁאַלְתֶּם אֶמֶשׁ הֱיִיתֶם מַפְקִידִין אוֹתוֹ אֵצֶל זֶה שֶׁהִפְקַדְתִּי אֲנִי אֶצְלוֹ. וְהוּא שֶׁלֹּא יְמַעֵט שְׁמִירָתוֹ. כֵּיצַד יְמַעֵט שְׁמִירָתוֹ. כְּגוֹן שֶׁהָיָה מֻפְקָד אֶצְלוֹ בְּשָׂכָר וְהִפְקִידוֹ אֵצֶל אוֹתוֹ הַשֵּׁנִי בְּחִנָּם אוֹ שֶׁהָיָה שָׁאוּל אֶצְלוֹ וְהִפְקִידוֹ אֵצֶל אוֹתוֹ הַשֵּׁנִי בְּשָׂכָר הוֹאִיל וּמִעֵט שְׁמִירָתוֹ פּוֹשֵׁעַ הוּא וּמְשַׁלֵּם. אַף עַל פִּי שֶׁשָּׁאַל אוֹ שֶׁשָּׂכַר בַּבְּעָלִים הֲרֵי הוּא הוֹצִיא הַדָּבָר הַשָּׁמוּר מִיָּדוֹ לְיַד שׁוֹמֵר אַחֵר:
If a bailee was at fault at the beginning, even though the object was - in the end - lost through force majeure, [the bailee] may be liable, as will be explained. And the borrower is not permitted to lend [what he borrowed] to a third party. Even if he borrowed a Torah scroll - where everyone who reads from it performs a mitzvah - he may not lend it to a third party. Likewise, the renter is not permitted to rent out [the object] [to a third party]. Even if [the owner] rented a Torah scroll to him, he may not rent it to a third party, for [the owner] can say to [the bailee]: I don't want my deposit to be in the hands of a third party. If the bailee transgresses and passes the [object] to a second bailee - if there are witnesses that the second bailee exercised the ordinary care of bailees and [the object was lost through] force majeure, the first bailee is not liable - because there are witnesses that [the loss occurred through force majeure. But if there are no witnesses there, the first bailee has to pay the owner, because he passed [the object] to another bailee. And [the first bailee] may recover from the second bailee. Even if the first bailee was an unpaid bailee and he passed [the object] to a paid bailee - [the first bailee is] liable, because the object's owner can say to him: I trust you to take an oath, but I don't trust [the paid bailee's oath]. Therefore, if the owner habitually deposits this object with the second bailee, the first bailee is not liable to pay, because he can say to the owner: this object that you deposited with me or lent to me last night - you used to deposit it with this person with whom I deposited it. But this is only in a case where [the bailee] does not reduce the duty of care. What is a case of reducing the duty of care? If it was deposited with him for money, and he deposited it with the second [bailee] without payment, or if he had borrowed the object, and he deposited it with the second [bailee] for money. Since [the first bailee] lowered the duty of care, he is at fault and he pays [the owner]. Even if [the first bailee] acquired the services of the object's owner for free or by paying [the owner], he has removed the deposited object from his possession to the possession of a different bailee [and must repay the owner].