【正文】 ook No. / card No. account opened by the borrower at the place of the lender when the conditions for loan release are met, and then, the money will be paid by the borrower himself to the borrower’s transaction objects which meet the purpose agreed in the loan contract. The above said transfer act of the lender is the money withdrawal of the borrower. The borrower promises that, the borrower will regularly report to the lender or inform the lender of the information on the payment of the borrower’ s loan money. If the lender still cannot release the loan under the present contract upon expiry of 90 days after the signature of this contract due to the reasons of the borrower, the lender will have the right to unilaterally terminate this loan contract. Any disputes with others, arising out of the borrower’ s using the loan money after the release of the loan, will have nothing to do with the lender, and this loan contract shall be normally executed. Article 5 Repayment For the loan period is less than one year (inclusive of one year), one of the following repayment methods can be selected (please select it by ticking the appropriate box): □ Repayment of the principal and interest in a lump sum upon its expiry, with the interest to be paid off together the principal (see Article 2 of the present contract for the method for interest calculation). □ Repayment of interest by installment, and repayment of the principal in a lump sum upon its expiry (interest per period = the remaining loan principal at the beginning of the period interest rate per period). □ is made on schedule on the basis of taking every 2 months as a period, then here shall be filled in with “2”, and the number filled in shall not be more than 12 months)。 therein: the interest repayable for one period shall be calculated in accordance with the agreed repayment method, and the interest repayable for the part of those which are more than on period shall be determined by the days of actual occupation of the loan according to the method for interest calculation in Article of the present contract。 for the loan guaranteed by means of pledge, the pledge object has been delivered to the lender for possession。 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 □ Floating interest rate It shall be executed according to the benchmark loan interest rate and floating range published by the People’s Bank of China in the corresponding period. The loan interest rate under the present (“□ above □ below %”) on the basis of the benchmark loan interest rate published by the People’s Bank of China in the corresponding period. If the People’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 People’s Bank of China in the corresponding period while signing the present contract is: (“(annual interest rate)”). The executed interest rate is determined according to the benchmark loan interest rate on the actual date of loan release regulated by the People’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. If the benchmark loan interest rate regulated by the People’s Bank of China is adjusted within the 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 People’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. □ □ 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 (“□ above □ below %”) on the basis of the fixed loan interest rate published by Shanghai Pudong Development Bank in the corresponding period.