【正文】 will not be adjusted. (“% (annual interest rate)”). The executed interest rate is determined according to the fixed loan interest rate on the actual date of loan release published 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. 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 People’s Bank of China in the corresponding period (the loan period is calculated from the date of the loan release). The loan interest rate under (“□ 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 during the 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. Therein, 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 borrower needs to continue adopting the fixed interest rate to calculate the interest, then the borrower shall propose a separate application to the bank. If the benchmark loan interest rate regulated by the People’s Bank of China is adjusted during the period of executing the floating interest rate, then the contract interest rate shall be adjusted □ 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. □ If the borrower fails to repay the loan principal and interest of the current period in full on schedule as required, it will be regarded as overdue, and the lender will have the right to charge penalty interest in accordance with the relevant provisions of the People’s Bank of China (see also the relevant contents of Article 12 of the present contract). Article 3 Conditions on the borrower’ s Money Withdrawal Unless agreed by the lender, the lender will have no obligation to release the loan under the contract to the borrower until the following conditions are fully met and satisfactory to the lender in terms of form and content: The borrower has submitted all the documents and data as required by the lender and obtained the approval of the lender. The present contract and its relevant annexes have been legally signed and entered into force. The guarantee rights or similar priority rights have been legally established and entered into force (if any): for the loan guaranteed by means of mortgage, its insurance and mortgage registration procedures have been pleted, and the collateral registration voucher, ownership voucher, mortgage right voucher / other right voucher, and insurance policy original copy have been delivered to the lender for possession。 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 For the loan period is more than one year (exclusive of one year), one of the following repayme