Party B (Lender): _ _ _ _ _ _

Co-guarantor: _ _ _ _ _ _

According to the Civil Code of People's Republic of China (PRC) and relevant national laws and regulations, both parties have reached the following contract terms on loan through friendly negotiation on the basis of equality and voluntariness.

The first specific agreement:

(1) Party B lends Party A RMB (in words) only, namely RMB.

(2) The purpose of Party A's loan is _ _ _ _ _, and Party B has the right to supervise the use of Party A's loan.

(3) The loan term of Party A is _ _ _ months, counting from _ _ _ _ _ _ _ _.

(4) What is the monthly interest rate of the loan under this contract? , the total interest is _ _ _ _ _ yuan only, that is, RMB _ _ _ _.

(V) On the maturity date of the loan, Party A shall repay all the loan principal and interest in one lump sum. If the principal and interest of the loan cannot be repaid in full and on time, or there is a liability for breach of contract (see Article 3: Liability for breach of contract), the borrower shall pay the lender RMB (in words) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

(VI) The guarantee method of the loan under this contract is joint and several liability guarantee (see the guarantee clause in Article 2).

(VII) This contract is also the legal evidence for the borrower to accept the loan.

(VIII) Party B may transfer the creditor's rights to others without notifying Party A, and Party A shall not interfere.

(IX) This contract shall come into effect as of the date of signing, in duplicate, with each party holding one copy.

Article 2 Warranty clause:

(1) The guarantee mode of this contract is joint and several liability guarantee. If there are multiple guarantors under this Contract, each guarantor shall be jointly and severally liable to the creditor (lender). The Guarantor voluntarily provides guarantee for this loan, and voluntarily provides joint repayment liability guarantee for this loan with present and future private property and all income.

(II) Occurrence of guarantee responsibility: If Party A fails to pay off the debt to Party B on the agreed repayment date, Party B has the right to ask the guarantor to perform the guarantee responsibility, and Party B requires the guarantor to perform the guarantee responsibility. The guarantor shall not defend or refuse for any reason, and shall unconditionally bear legal and economic responsibilities.

(III) Guarantor's confirmation: I agree to undertake joint liability guarantee to the Lender for the above-mentioned debts of the Borrower. The guarantee period is from the date when the IOU is issued to two years after the loan repayment period expires, and the scope of guarantee covers all loan principal and interest, liquidated damages, compensation, and expenses incurred by the lender to realize the creditor's rights (including but not limited to legal fees, arbitration fees, notary fees, attorney fees, execution fees, property preservation fees, travel expenses, evaluation fees, auction fees, etc.). ). The validity of this confirmation clause is independent of IOUs, and the invalidity of IOUs does not affect the legal validity of this confirmation clause.

(4) During the loan period, if the guarantor is declared bankrupt, legally revoked, dissolved, insolvent and other changes that make it lose its underwriting ability, the guarantor shall promptly notify Party B, and Party A shall provide a new guarantee.

(v) All the obligations of the Guarantor under this Contract are continuous and fully binding on its legal successors.

Article 3 Liability for breach of contract

(a) one of the following circumstances constitutes a breach of contract:

1. Party A changes the purpose of the loan.

2. Party A violates the agreement in this Contract and fails to repay the loan principal and interest on schedule or at the agreed amount.

3. The certificates, materials and other documents provided by Party A are false and illegal.

4. After Party A dies, is declared dead, is declared missing or loses capacity for civil conduct, there is no heir, legatee, property custodian or guardian, or his successor, legatee, property custodian or guardian refuses to perform this Contract.

5. The guarantor violates the guarantee clauses of this contract or loses the guarantee ability. Party A fails to provide the guarantee that meets the requirements of Party B. ..

6. Other behaviors that Party A or the guarantor may affect the repayment of the loan to Party B. ..

(II) In case of breach of contract, Party B has the right to take one or more of the following measures:

1. Require Party A to immediately return all loans and collect liquidated damages as agreed in the contract.

2. Require the guarantor of joint and several liability to perform the guarantee liability immediately.

3. Measures permitted by other laws.

Article 4 Settlement of disputes

Disputes arising from the performance of this contract shall be settled through friendly negotiation between both parties or mediation by a third party. If negotiation or mediation fails, the parties agree to bring a lawsuit to the people's court where the contract is signed.

Lender (signature): ID number: (signature) ID number: (signature)

Address: _ _ _ _ Tel: _ _ _ _ Tel: _ _ _ Address: _ _ _ Tel: _ _ _ Tel

Borrower (signature): ID number: (signature) ID number: (signature) ID number

Address: _ _ _ _ Tel: _ _ _ _ Tel: _ _ _ Address: _ _ _ Tel: _ _ _ Tel

Guarantor (signature): _ _ _ _ ID number: _ _ _ _ ID number: _ _ _ _ ID number: _ _

Address: _ _ Phone: _ _ Phone: _ _ Phone: _ _ Phone: _ _ Phone

Place of signing this contract: (1) Shanghai.

Date of signing the contract: _ _ _ _ _ _ _ _