【正文】 nt that the lender necessarily has the obligation to release the loan when the above conditions are meet. The lender may suspend, and reduce or cancel the release of the loan and notice the borrower under the circumstances that the lender needs to adjust and increase the conditions for the loan release according to its own limits due to the changes of law, rules and regulations as well as policies or the restrictions of the government’s macro currency policies or financial regulatory policies or that other major incident change occurs。s Bank of China is adjusted during the period of executing the floating interest rate, then the contract interest rate shall be adjusted accordingly as per the – 3 – 6 method: □ Adjustment by year, and interest accrual by stage. That is, the new interest rate will be executed according to the benchmark loan interest rate regulated by the People39。s Bank of China in the corresponding period as well as the floating proportion under the present contract. Monthly interest rate = annual interest rate / 12, daily interest rate = annual interest rate / 360, and the interest rate per period = annual interest rate the number of the month(s) of each period / 12. After the expiry of the fixed interest rate, ., – 3 – 4 (from MM DD YY to MM DD YY), a floating interest rate will be executed. That is, it shall be executed according to the benchmark loan interest rate and floating range stipulated by the People39。s Bank of China as well as the floating proportion stipulated under the present contract as of the first calendar day of the next calendar year after the interest rate adjustment. □ No interest rate adjustment, and no interest accrual by stage. □ Others: S2. 4A – 1 – 3 □ Fixed interest rate It shall be executed according to the fixed loan interest rate and floating range stipulated by Shanghai Pudong Development Bank in the corresponding period. The loan interest rate under the present contract is – 2 – 1 (“□ above □ below %”) on the basis of the fixed loan interest rate published by Shanghai Pudong Development Bank in the corresponding period. If the People39。s Bank of China adjusts the benchmark loan interest rate within the loan period, then, since the time that the contract loan interest agreed in the present contract is adjusted, the new contract loan interest rate will be executed after the floating according to the above said floating proportion on the basis of the new loan benchmark interest rate. The benchmark loan interest rate of the People39。 For the full year (month) and remnant day(s): Interest = principal [period (the number of year(s) or month(s)) yearly or monthly interest rate + the number of remnant day(s) daily interest rate] Except otherwise specified by the both parties, the date of settlement of the loan interest under the present contract is the repayment date for each period agreed in the present contract. The loan interest rate under the present contract can adopt the floating interest rate, fixed interest rate or quasifixed interest rate, and actually adopts the method: 。 the Summary Sheet of Elements of the Contract Terms and Conditions is attached to the Part 2 of this contract by centralized printing or filling in all the information which needs to be filled in. The borrower and the Loaner have confirmed that all the contents of the Summary Sheet of Elements of the Contract Terms and Conditions are correct, and also acknowledged that the contract elements which need to be filled in the Contract Terms and Conditions are subject to the contents of the Summary Sheet of Elements of the Contract Terms and Conditions. All the contents of the Summary Sheet of Elements of the Contract Terms and Conditions correspond onetoone with the specific codes of the items to be filled out in the Contract Terms and Conditions, and constitutes an integral part with the Contract Terms and Conditions. The borrower: ID certificate type and No.: The lender (the Mortgagee / the pledgee): Shanghai Pudong Development Bank Co., Ltd. Taiyuan Branch The mortgager (name / designation of natural person or legal person): ID certificate type and No.: The pledger (name / designation of natural person or legal person): ID certificate type and No.: The guarantor (name / designation of natural person or legal person): ID certificate type and No.: Whereas: The borrower applies to the lender for RMB personal loan, in accordance with the relevant laws, rules and regulations of the People39。s Republic of China, upon consensus through consultation among the parties, the present contract is hereby entered into for mutual observance. Meanwhile, the borrower, the guarantor and the lender hereby confirm that (check with a√mark and uncheck with a mark according to the conditions): □ The present contract serves as an ancillary business document of the Personal Comprehensive Credit Granting Contract under the number of signed by the borrower and the lender. □ The present contract is an independent business document signed by the borrower, the guarantor and the lender. Part 1 Contract Terms and Conditions Article 1 Loan Amount and Purpose The loan type of the present contract is (personal car loan / personal consumption loan / personal business loan / personal credit loan / others: ), the loan amount is RMB Yuan (in words: RMB Yuan), and it is used for only and s