What does this cold joke mean?

Oh, it should be to cut off his ears again. Didn't Tinker Bell have ears?

Or it could be. . . .

The third day. . Chop it all up. That is to say, the fingers of both hands have been chopped off. . Plus two ears, 10 toes. . Anyone who has seen Tinker Bell knows that Tinker Bell has no fingers, toes and ears, so it means that if he doesn't return it on the third day, his fingers, toes and ears will be gone. . Warning us: don't borrow money from underground banks easily, or you will be like Xiaoming. . .