Personal Loan Contract(English Translation)Serial No. 329319CHINA CITIC BANK, XIAN BRANCHBorrower (hereinafter abbreviated as the first party): Name of identity document and number: Dwelling Address: Telephone: Postcode: Lender (hereinafter abbreviated as the second party): China CITIC Bank, Xian BranchDwelling Address: Zhongxin Edifice, No.89, Changan Road North, Xian CityTelephone: 029-87820008 Postcode: 710061Mortgager: Name of identity document and number: Dwelling Address: Telephone: Postcode: Pledger: Name of identity document and number: Dwelling Address: Telephone: Postcode: Guarantor: Legal representative: _ Name of identity document and number: Dwelling Address: _ Telephone: _ Postcode : _The first party applied to the second party for loan, and the second party agrees it. With a view to determining rights and obligations on loan of the two parties, by consensus, the contract is concluded, and both parties promise to abide by.Article 1 Loan AmountSee details in item 1 of article 14 of the contract.Article 2 Loan useSee details in item 2 of article 14 of the contract.Article 3 Loan interest Rate1. About loan interest rate, please see details in item 3 of article 14 of the contract.2. During the period for performance of the contract, if adjustment for loan interest rate by Peoples Bank of China occurs, the loan interest rate shall be adjusted and execute in accordance with relevant regulations. The first party shall not be informed of it. -1- Article 4 Loan term and total stages for reimbursement1. About loan term, please see details in item 4 of article 14 of the contract.2. When the actual date of loan offering disaccords with the stipulated date of the contract, loan term shall be computed according to the actual date of loan offering.3. Two parties agree that the first party repays the loan on schedule, and confirm total number of periods for reimbursement. See details in item 4 of article 14 of the contractArticle 5 Loan offering1. The prerequisites to loan offering of the second party are the first party has provided certificates in accordance with requirements of the second party, performed the formalities of loan application and guaranty demanded by the second party, and has signed the required law documents for loan application, which have been examined and approved by the second party.2. After examination and approval, the first party authorized the second party to appropriate the loan into the account (as for account name and number, please see details in item 5 of article 14 of the contract) designated by the first party and approved by the second party; which is considered that the second party has fulfilled the obligation to supply the first party with the loan according to the stipulations.3. After the loan offering under the terms of the contract, any disputes involved in the purchased goods or service of the first party, have no connection with the second party. The contract shall be performed normally.Article 6 Loan reimbursement1. In accordance with relevant regulations on lending method of the second party, as for the method of interest computation, method of interest settlement and method of repayment of the principal on loan chosen by the first party, see details in item 6 of article 14.2. Before each date of loan reimbursement stipulated by the second party, the first party shall deposit, with full amount, the payable principal and interest on loan, penal interest for overdue reimbursement, compound interest and so on, of the current period, in the reimbursement account opened in the second party (As for account name and number, see details in item 6 of article 14); and irrevocably authorize the second party to directly appropriate the account receivable from the account on the date of reimbursement of the current period.3. The two parties agree to comply with the principle of “reimbursement of interest first, reimbursement of principal second”. The second party deducts and appropriates the fund of reimbursement of the first party according to the order of “overdue principal and interest before period, penal interest and compound interestinterest of current periodprincipal”.If the fist party breaks the stipulation of the contract to exceed the time limit to repay the loan, or fails to repay the loan as to the stipulated amount, the second party has the right to collect penal interest for the overdue loan in accordance with the regulation of Peoples Bank of China. (As for rate of penal interest for overdue loan, see details in item 6