【正文】 this article, the interest will be calculated and settled according to Article 2. The Application Form for Use the Loan under the Personal Loan Contract of Maximum Guarantee under the present contract serves as annex to the contract, and has the same effect with the present contract. Article 5 Repayment The repayment method for single loan will be determined by the both parties according to the following method options: Matching the principal repayment: repayment of the loan principal and interest in a lump sum upon its expiry. Monthly / quarterly settlement of interest, and repayment of the principal upon its expiry. The interest settlement date is the 20th day of each month / the last month of the quarter. The borrower shall settle the interest on each interest settlement date. If the date of repayment of the last loan principal is not the interest settlement date, then the outstanding interest shall match the principal and repayment. Repayment by installment: take a quarter / the agreed month number as a repayment cycle。 if the corresponding date of the loan release date does not exist, then it shall be the last day of the next month) specified in Article 17 as an adjustment cycle. During an adjustment cycle, in the event that RMB loan benchmark interest rate is adjusted by the People’s Bank of China, then the loan performance interest rate will be adjusted as of the date that the loan release date corresponds in the first month in the next cycle。 (5) Without written agreement of the guarantor, the guarantor gifts or transfers the guarantee object, or makes any disposition which is adverse to the rights of the guarantee object。 (3) The borrower violates the statement on loan purpose, fails to provide purpose certificate as agreed, or provides false purpose certificate, or fails to use the loan according to the purpose stipulated in the present agreement, or fails to cooperate with the lender to conduct postloan inspection or loan payment check。ABC (2021) 5002 – 1 Agricultural Bank of China Personal Loan Contract of Maximum Guarantee of Agricultural Bank of China Co., Ltd. Special Seal for Credit Loan Contract of Agricultural Bank of China Co., Ltd. Beijing Zhichun Road Subbranch (paging seal) ABC (2021) 5002 – 1 Personal Loan Contract of Maximum Guarantee Respectful customer: in order to safeguard your rights and interests, please read carefully all the clauses (especially the clauses in bold) of the contract to care about your rights and obligations under the contract before signing the contract. If you have any query about the contract, please consult the lending bank. The contract is entered into by all the parties listed in the special clauses of the contract upon unanimity through consultation in accordance with the relevant laws, rules and regulations. The contract is made up of general clauses and special clauses, both of which have the same legal effect. Part 1 General Clauses Loan Article 1 Loan limit and its validity term The Borrower may apply to the lender for loan within the validity term of loan limit and the limit of the loan principal as stipulated in Article 16 of the contract, and can recycle the loan limit in a selfservice manner according to the agreed limit of single sum and the withdrawal frequency for single day within the selfservice revolving loan limit verified by the lender. The withdrawal frequency for single day of the selfservice revolving loan is only once. During the performance of the contract, the lender can adjust the limit of single withdrawal and the withdrawal frequency for single day without further notice to the borrower. For the business occurring within the above said period, see Article 16 for the period and latest maturity date of single loan. Article 16 stipulates that the validity term of the loan limit only means the loan release time, and that the maturity date of all the loans during the period can exceed the validity term of the loan upon agreement by the lender. When the borrower applies for using the loan within the agreed period and the maximum loan principal balance, the lender will have the right to examine and approve it according to the borrower’s credit, loan purpose, repayment capacity, the value of the mortgage object, the guarantee capacity of the warrantor, the business conditions of the lender, and etc. Where the loan is released after the approval and consent of the lender, the both parties will no longer sing loan contracts one by one, and also will not need to process guarantee procedures one by one, except otherwise specified by laws, rules and regulation on guarantee establishment. Reverification, freezing, adjustment and termination of the loan limit The lender has the right to reverify or adjust the loan limit and its validity term of the borrower under the present contract according to macro economic conditions, market conditions, the borrower’s use of the loan limit under the present contract, the credit or credit limit of the borrower in other finance institutions, as well as the borrower’s finance status, business performance, cash flow, the variation of guarantee conditions, and other factors. If the lender needs to reduce the loan limit that the borrower has not yet used in the present contract, cancel all the loan limits under the present contract, or to decrease the validity term of the loan limit, the lender shall give a written notice to the borrower 7 days in advance. Upon expiry of the validity term of the loan limit, the loan limit which has not yet been used will be automatically cancelled, and the borrower can no longer use the said loan limit to apply for loan, and can only use it for repayment. Automatic freezing and unfreezing of the loan amount If the borrower has any overdue principal o