【正文】 for the pledge act requiring handling with registration procedures according to the law, the registration has been pleted. A pulsory notarization has been processed by the notarization office approved by the lender for the present contract and the guarantee documents related with the present contract as well as other files (if the lender requires). The borrower has opened a bank account for money withdrawal, interest payment, expense payment, repayment and etc. as required by the lender. Other conditions proposed by the lender. Notwithstanding the provisions of the preceding paragraph, the establishment of the above conditions for money withdrawal does not represent 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。 the repayment date of each The borrower who repays the loan by installment shall start repayment from the agreed repayment date of the next month (the Gregorian calendar) after the actual release of the loan. The specific calculation method for the initial loan repayment interest of the next month after the actual release of the loan is as follows: if the days of actual occupation of the loan during the period from the date of actual release of the loan to the agreed repayment date of the next month are less than one period, then the initial loan repayment interest will be determined by the days of actual occupation of the loan according to the method for interest calculation in Article of the present contract。No.: SPD Bank Personal Guarantee Loan Contract Contract version No.:SPDB202103 SPD Bank Personal Guarantee Loan Contract Personal Guarantee Loan Contract The borrower: ID certificate type and No.: The lender (the Mortgagee / the pledgee): Shanghai Pudong Development Bank Co., Ltd. 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 People’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 personal business loan / personal credit loan / others: the loan amount is RMB The lender has the right to monitor the use of loans. Article 2 Loan Term, Interest Rate and Method for Interest Calculation The loan term (and the debt performance period) under the present contract is (“year(s) and month(s)”), and its start date is expected from the date (from receipt. The value date of the loan under the present contract is the date of loan release. The method for interest calculation is as follows: the loan interest will be calculated on a daily, monthly and yearly basis. The calculation methods of fullyear, fullmonth and fullday shall be adopted for loan interest. If fullyear, fullmonth and fullday cannot be reached, the last day at the end of end is the fullday. If the loan period es to the pletion of year, the interest shall be calculated as per annual interest rate。 if the days of actual occupation of the loan during the period from the date of actual release of the loan to the agreed repayment date of the next month are more than one period, then the initial loan repayment interest will be calculated respectively according to the interest repayable for one period and the interest repayable for the part of those which are more than on period。 for the loan guaranteed by means of pledge, the pledge object has been delivered to the lender for possession。 and moreover, if the lender release the loan when the above said conditions are not fully met, it