【正文】 if the corresponding date of the loan release date does not exist, then it will be adjusted from the last day of the said month. (3) Adjust from January 01 of the next year after the RMB loan benchmark interest rate is adjusted by the People’s Bank of China. Floating range of interest rate The floating range of single loan performance interest rate in the nonselfservice mode is determined one by one through mutual negotiation between the lender and the borrower. The interest rate floating range of single loan agreed by the both parties = (the loan interest rate recorded in the loan voucher of the said loan / the corresponding benchmark interest rate for the same period of the People’s Bank of China on the said loan release date – 1) 100%. The single loan performance interest rate in the selfservice mode is determined according to a certain percentage above or below the corresponding RMB loan benchmark interest rate for the same period of the People’s Bank of China that each loan release date corresponds to. See Article for the floating percentage. During the performance of the contract, the lender can adjust the interest rate floating range of the selfservice loan specified in the present contract. The specific floating range is subject to the lender business system record created when the borrower borrows. During the contract performance period, if the loan interest rate or interest calculation management measures are adjusted by the State and applicable to the loan under the present contract, the lender will have the right to implement them according to the adjusted regulations without notice to the borrower and the guarantor. Except the interest rate adjustment circumstances stipulated in the present contract, the lender has the right to determine, on the basis of the single loan performance interest rate agreed by the both parties, offer a lower performance interest rate than the interest rate agreed at the time of loan release for the single loan under the present contract. The lender has the right, according to the situation, to determine or adjust the implementation period of the said lower performance interest rate, and also has the right to adjust or cancel the said lower performance interest rate. The performance interest rate for the loan under the contract is lowered on the basis of the benchmark interest rate of the People’s Bank of China. During the loan period, if the loan (including but not limited to the loan under the present contract) applied by the Lender to Agricultural Bank of China has the overdue record for consecutive 90 days (including) above or accumulative 180 days, the lender will have the right to cancel the interest rate decrease, and also have the right, from overdue date to maturity date of the loan under the present contract, to adjust the loan performance interest rate under the contract to the corresponding RMB benchmark interest rate for the same period of the People’s Bank of China. When the lender adjusts the performance interest rate under the present contract according to this article, the lender will not need to notice the borrower and the guarantor separately. Article 3 Prerequisite condition If any of the following circumstances is not met, the lender will have the right to not provide the loan under the present contract: (1) The guarantor has the necessary qualification for the guarantee of the present contract and / or has obtained lawful and effective authorization. (2) The borrower and the guarantor have provided true, plete and effective files, materials and receipts and pleted the relevant procedures according to the requirements of the lender. (3) The borrower has truly stated its loan purpose and provided relevant certificates and materials according to the regulations of the lender on payment management. (4) If the loan under the present contract has any mortgage, pledge or guarantee, relevant legal procedures for registration, delivery, insurance and etc. have been pleted, and the said security interest and insurance keep effective. (5) No major adverse circumstance which affects the loan security occurs to the borrower, the guarantor and the guarantee object. (6) Other conditions agreed by the borrower and the lender. If the borrower fails to implement the conditions stipulated in Article within 6 months since the signature date of the present contract, the lender will have the right to take one or several of the following measures: adjust and reduce or cancel the loan limit under the present contract, reexamine and reapprove the loan limit under the present contract according to the internal regulations, cancel the present contract, and so on. Article 4 Loan withdrawal Entrustment payment Entrustment payment means that the lender pays the loan amount to the borrower’s transaction object which is in conformity with the purpose agreed in the contract according to the withdrawal application and payment entrustment. The borrower shall fill in the Application Form for Use the Loan under the Personal Loan Contract of Maximum Guarantee, which shall be examined and approved by the lender, and the lender irrevocably applies to and entrusts the lender to directly transfer the loan to the account of the borrower’s transaction object. The borrower promises that: if the lender has transferred the loan amount as agreed, it will be deem that the lender has released the loan to borrower as agreed and the borrower has received the loan amount. The borrower understands and voluntarily bears all the risks related with this article. The borrower shall be responsible for the authenticity, correctness and pleteness of the payment information. If the borrower’s payment application has any inconsistence with the contract, or any inplete or untrue transaction data, and etc., then the lende