Shilo is an unfortunate young lady who has overspent on the family credit cards, and is then soundly punished by her loving significant other for the transgression. In part one, she is pulled out of the bathroom after having only recently gotten out of the shower. She is taken to the bedroom and given a stern lecture regarding her spending habits, and then placed over the man's lap for a more direct approach. After tiring of spanking her through the thick fabric of her bath towel, he makes her disrobe and then continues to administer a firm spanking on the taut flesh of her wet bottom. When he...

Shilo is an unfortunate young lady who has overspent on the family credit cards, and is then soundly punished by her loving significant other for the transgression. In part one, she is pulled out of the bathroom after having only recently gotten out of the shower. She is taken to the bedroom and given a stern lecture regarding her spending habits, and then placed over the man's lap for a more direct approach. After tiring of spanking her through the thick fabric of her bath towel, he makes her disrobe and then continues to administer a firm spanking on the taut flesh of her wet bottom. When he feels that the spanking has gone as far as it needs to, he orders her to stand and get dressed for bed, informing her that their discussion is far from over. This is the “just the action” version, in which all of the dialogue and action which doesn't include spanking has been removed for the pleasure of viewers who want to get straight to the spanking without filler.