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LOANCONTRACT contractnumber: borrower: address: lender: address: inaccordancewithprovisionsofcontractlawofthepeoplesrepublicofchinaandbankofchinaafterreviewingthestatusandtherequestoftheborrowerthelenderagreestogranttheborroweralineofcrediton.theborrowerlenderandguarantorthroughfriendlynegotiationhaveexecutedthiscontractasfollows:article1currencyamountandtermoftheloan: 1.thecurrencyunderthisloanisreiminbi. 2.thelineoftheloanisyuan. 3.theperiodofthisloanis12monthsfromthedateofeffectivenessofthiscontract.article2thepurposeoftheloan: 1.thepurposeofthisloanisusedforworkingcapitalturnover. 2.withoutwrittenapprovalofthelendertheborrowercouldnotusetheloanoutofthescopeofthepurpose. article3interestrateandcalculationofinterest: 1.interestrate:theinterestrateshallbeduringtheloantermifthecountrysrelatedauthorityadjustedtheinterestrateorthemannerofcalculationofinteresttheinterestofthiscontractshallbeadjustedaccordinglyafteroneyearfromthedateofexecutionofthiscontract. theadjustmentshallbeconductedwhentheinterestrateareexecutedoneyear.itisnotobligedtoinformtheborrowerwhentheadjustmentofinterest. 2.theinterestshallbecalculatedfromthedateoffirstdrawdownandtheactualdaystheborroweruse.oneyearshallbecalculatedas360days. 3.thepaymentofinterests:heeventthattheborrowerfailstopaytheinterestsontimeandthebalanceoftheaccountoftheborrowerisnotenoughforthepaymentofinterestthelendershallhaverightstocollectapenaltybeingoftheoutstandingamountperdayfortheborrowersbreachofcontract. article4overdueinterestsandmisusinginterests 1.iftheborrowerfailstorepaytheloanandcannotreachaagreementwiththelenderregardingtheextensionthelendershallcollectanoverduepenaltyforoftheoverdueamountperday. 2.iftheborrowerfailstousestheloaninaccordancewiththeprovisionssetforthinthiscontractthelendershallhaverighttochargeainterestsforthemisusingpartatarateofperday. article5account theborrowershallopenreiminbibasicaccountand/orforeigncurrencyaccountatthelenderorlendersbranchfortheuseofdrawdownrepaymentpaymentofinterestsandfees. article6drawdown 1.theloanunderthiscontractisrevolvingthebalanceofthiscontractshallnotmorethanthelineofcredit. 2.theborrowershallsendadrawdownapplicationastheformhereinattachedinthiscontract7daysbeforethedateofdrawdown. 3.theborrowershallnotdrawtheloanlessthan1million. article7conditionsfordrawdown thefollowingconditionsshallbesatisfiedinadvanceofthedrawdowndate: 1.theborrowerhasopenedforeignaccountandreiminbiaccountattheofficeofthelenderorthebranchofthelender; 2.thiscontractandtheappendiceshavebeeneffective; 3.theborrowerhasprovidedtherecognitionoftheinvestmentorcertificateoftheinvestmenttothelender; 4.theborrowerhasprovidedtheboardresolutionandpowerofattorneyregardingthisloancontract; 5.theborrowerhasprovidedthelistandthesignaturesampleoftheauthorizedpersonwhoempowertosignthiscontractanddocuments; 6.theguarantyunderthiscontracthasbeeneffective; 7.theborrowerhasbeensatisfiedthewarrantsunderarticle11ofthiscontract; 8.theotherrequirementforthedrawdownhavebeensatisfied. article8repaymentplanandprepayment 1.theborrowershallrepaytheloaninaccordancewiththestatusofitscash.theborrowershallinformthelenderthepaymentamountanddatepriortomakethepayment.theborrowershallbeobligedtorepaytheprincipalandrelatedinterestsonduedatewithoutanycondition. 2.thepaymentmadebytheborrowerandthedeductionfromtheaccountoftheborrowershallbeusedforrepayingtheinterestatfirstandthenforrepayingtheprincipal. 3.intheeventtheborrowerfailstorepaytheloanthelendershallhaverightstodeductthedebtfromthebankaccountoftheborroweratthelenderorempowerthebranchesofthelendertodeductthedebtfromthebankaccountoftheborroweratthelendersbranches; 4.theinstallmentofrepaymentshallnotlessthan1million. article9debtcertificate thelendershallkeeprecordinthelendersaccountfortheprincipalinterestsandfeesandotherfeesoftheborrowerunderthiscontract;theabovementionedrecordandthedocumentationforthedrawdownrepaymentandpaymentofinterestisthecertificatesofthedebtsbetweentheborrowerandthelender. article10guaranty 1.(theguarantor)shallbetheguarantorfortheloanunderthiscontractandtakejointlyliabilities. 2.duringthetermofthiscontractiftheguarantorsfinancialstatusbeedeterioratedortheliabilitiesforrepaymentofdebtsbeeweakthelendershallhaverighttorequesttheborrowerchangesguarantororprovidemortgageandpawnsecuredforthisloanunderthiscontract. article11representationsandwarranties i.theborrowersrepresentsandwarrantsasfollows: 1.theborrowerisapanydulyorganizedandvalidlyexistingunderthelawofthepeoplesrepublicofchinaandhasthepowerandauthoritytoownitspropertytoconsummatethetransactionscontemplatedinthiscontractandjointhelitigation.theborrowerhasthepowertohandleitassetsusedinoperation. 2.theborrowerisatitsoptiontosignandperformthiscontract.itistheborrowerstruemeaningandhasthepowertosignthiscontractanditisnotbreachitarticleofassociationorregulationsorcontracts.theprocedureforsignatureandperformanceofthiscontracthasbeengonethroughandfullyeffectiveness. 3.thealldocumentsmaterialsreportsandcertificatesprovidedtothelenderbytheborrowerforconsummationofthiscontractistruerealpeteandeffective 4.theborrowershallnotconcealthefollowingeventswhichisbeinghappenedorhavebeenhappenedwhichwillcausethelenderrefusetoextendtheloan: (1)theborrowerortheprincipalexecutivesoftheborrowerinvolveinmaterialeventswhichbreachregulationslawsorpensationtoothers; (2)pendingactionsandarbitration; (3)theborrowersdebtsorproposeddebtsorliensandotherencumbrances; (4)theothermatterswillimpactthefinancialstatusorabilitiesofrepaymentforthedebts; (5)theborrowerbreachedcontractwhichisbetweentheborrowerandothercreditors. ii.theborrowerherebywarrantsasfollows: 1.usingthecapitaloftheloanasusagesetforthinthiscontracttheborrowerwillnotusetheloanasequityinvestment;theborrowerwillnotusethecapitaloftheloaninvestinsecurityfuturerealestateetc.theborrowerwillnotlendtotheothersprivatelyorinvolvingothermaterswhichisprohibitedbythecountry.theborrowerwillnotmisusingorappropriationoftheloan. 2.makingpaymentandrelatedexpensesinaccordancewiththeprovisionssetforthinthiscontract; 3.providingupdatedfinancialstatementorfinancialbulletineveryquarter;providingtheauditedfinancialreportatthefirstquartofeachyear;providingoperationreportfinancialreportorotherfilesandmaterialsandshallwarranttherealitycorrectandeffectivenessforthefilesandmaterials; 4.anyantiguarantyorothersimilardocumentswillnotmakeanyimpactontherightsandbenefitsofthelenders; 5.acceptingthesupervisionofthelenderprovidesassistanceandcooperationforthelenderssupervisions; 6.willnotreducetheregistrationcapital;priorapprovalfromthelendershallberequiredwhentheborrowerchangesofshareholdersandoperationmanner(includingbutnotlimitedtojointventurecooperationjointlycooperation;dissolutionclosedownliquidationtransformation;merger;changetosharepanyusethehousingmachineryorotherrealassetsortrademarkintellectualpropertyknowhowlandingusingrightsorotherintangibleassetstoinvestinsharepanyorinvestmentpanytradingofoperationrightorownrightbycontractingjointoperationtrusteeship) 7.theborrowershallinformthelenderandwarrantstheliabilityunderitssecuritywillnotmorethannetassetsoftheborrowerwhentheborrowerguaranteeforotherpartyormortgageitsassets.theborrowerwarrantsthatwillnotdisposetheassetswhichwillmakeadverseimpactonitsabilityofpayingdebts. 8.theborrowerwillnotpaytheothersimilarloanspriortothelender; 9.theborrowerwarrantstoinformthelenderimmediatelywhenthefollowingeventsoccurred: (1)theeventofbreachofcontractunderthiscontractorotherloanorguarantycontractsbetweentheborrowerandanybranchesofbankofchinaorotherbanksnonbankfinancialorganization; (2)theborrowerchangesshareholdersorrevisethearticleofassociation; (3)theborrowersufferdifficultiesandbadresultinfinancialandoperation; (4)theborrowerinvolvesinmaterialactionsorarbitration; 10.theborrowershallkeepsufficientbalanceforrepaymentpriortotheduedate. 11.theborrowershallkeepitsbanktransactionsregardinginecollectionsellforeigncurrencyorbuyforeigncurrencyect.shallbeconductedatthelenderorotherbranchesofthelender.theturnoverforthecapitalshallsatisfythedemandofthelender; iii.theborrowersrepresentationsandwarrantshereunderthiscontractshallbeeffectiveeventhoughanymendmentsupplementsorrevisedtobemadetothiscontract. article12representationsandwarrantsofthelender i.thelenderrepresentsandwarrantsasfollows: 1.thelenderisastateownedmercialbankorbranchdulyorganizedandvalidlyexistingunderthelawofp.r.candapprovedbytheindustryandmercialadministrationandholdsthefinancialinstitutionslegalpersonlicensesandfinancialinstitutionsoperationlicensetobequalifiedtooperatefinancialbusiness. 2.thelenderhastakenallnecessaryactiontoauthorizetheexecutionofthiscontractandperformanceofitsobligationsunderthiscontract.thelenderisdulyauthorizedtoextendthisloan. ii.thelenderwarrantsasfollows: 1.thelendershallextendtheloaninaccordancewiththeprovisionssetforthinthiscontract. 2.collectinterestsinaccordancewiththeregulationsofthepeoplesbank. article13eventsofbreachcontractandsettlement: i.settlementoftheborrowerbreachofcontract 1.eventofbreachofcontract: (1)theborrowerfailstousetheloaninaccordancewiththeagreedusageoftheloan; (2)theborrowerfailstorepaythedueprincipalandpaytheinterestsexpensesorotherpayableinaccordancewiththeagreedtermofthiscontract; (3)theborrowerbreachestherepresentationandwarrantssetforthinarticle11. (4)theborrowerbreachesotherloanagreementsorguarantyagreementsortheguarantorbreachtheguarantyagreementwhichmaymakeimpacttheborrowertoperformtheobligationsunderthiscontract. (5)conclusiveevidencetoshowthattheborrowerlosethecapacityofcreditorduringperformanceoftheobligationunderthiscontractthefinancialconditionsoftheguarantorareseriouslydeterioratingorotherreasonscausedtheguarantorthecapacityofcreditdecline. (6)theborrowerbreachestheotherobligationsunderthiscontract. 2.undertheabovecircumstancesthelendershallhaverightto: (1)requesttheborrowertorectifywithintheperioddesignedbythelender;(2)ceaseinextendingtheloanorcancelthecredit; (3)declaretheloanunderthiscontractisdueandthelendershallhaverighttodeducttheoutstandingamountfromtheaccountoftheborrower.theborrowershallnotappealagainstthelender. (4)declaretheloanisdueunderotherloanagreementsbetweenthelenderandtheborrowerrequesttheborrowertorepaytheloanprincipalsinterestsandotherexpenses. ii.thesettlementforthelenderbreachofthecontract 1.thelenderfailstoextendtheloanasagreedinthiscontractwithoutanyreasons; 2.thelenderbreachestheagreedinterestrateandcollectionaddinterestsorotherfees; 3.thelenderbreachestheprovisionssetforthinarticle12; 4.undertheabovecircumstancestheborrowershallhaverightto: (1)requestthelendertorectify; (2)repaytheloanaheadoftimeandrefusetopayanypensationforprepayment. article14deduction theborrowershallpayinfullforthepaymentwithoutanycounteractionoranycondition. article15assignmentofthedebtandcredit 1.theborrowershallnotassignitsrightandliabilityunderthiscontracttootherthirdpartywithoutanywrittenapprovalofthelender; 2.intheeventtheborrowerassignitsrightandliabilityunderthiscontracttootherthirdpartyunderthewrittenconsentofthelenderthethirdpartyshallabidethiscontractwithoutanycondition. article16performanceofobligationandwaiverofrights 1.theborrowerisindependentcontractorunderthiscontractitwillnotimpactbyanyotherrelationsbetweentheborrowerwithotherpartyexcepttheotherprovisionssetforthinthiscontract. 2.thelendergiveanyextensiontolerationfavortotheborrowerorpermittheborrowertodelayofperformanceanyobligationunderthiscontractshallnotimpairanyrightsofthelenderinaccordancewiththiscontractandlawsregulationitshallbedeemedtohavewaiveditsrightsunderthiscontractandtheobligationshallbeperformedbytheborrowerunderthiscontract. article17amendmentsupplementandinterpretationofthecontract 1.thiscontractcouldbeamendedandsupplementeduponthewrittenagreementsconcludebytheparties.anyaamendmentandsupplementshallbeintegralpartyofthiscontract. 2.intheeventchangeoflawsregulationsorlegalpracticewhichwillcauseanytermscontainedinthiscontractbeeillegalinvalidorlossofpracticetheotherpartofthiscontractshallnotbeimpairedbyit.thebothpartiesshallmakeeffortstochangetheillegalinvalidorlossofpracticepart. 3.forthemattersnotreferredinthiscontractshallbeconstruedinaccordancewiththeprovisionsofthepeoplesbankofchina. article18disputeresolutiongoverninglawandwaiverofexemption 1.theconclusioninterpretationanddisputeresolutionshallbesubjecttothelawsofthepeoplesrepublicofchin.thedisputesarisingfromtheexecutionofthiscontractshallbesettledthroughfriendlyconsultationbybothparties.incasenosettlementcanbereachedthedisputesshallbesubmittedtothepeoplescourtofthelocationofthelenderforjudgment. 2.theborrowershallnotrejectanyobligationduringthesettlementofdisputes. 3.theexecutionandperformanceofthiscontractandtherelatedtransactioniscivilbehavior.theborrowershallnotappealtotakeactiontoexemptfromtheobligationunderthiscontract. ifbothpartiesagreetoapplyarbitrationtheabovetermshallbe: 1.theconclusioninterpretationanddisputeresolutionshallbesubjecttothelawsofthepeoplesrepublicofchin.thedisputearisingfromtheexecutionofthiscontractshallbesettledthroughfriendlyconsultationbybothparties.incasenosettlementcanbereachedthedisputesshallbesubmittedtochinainternationaleconomicandtradearbitrationmissionforarbitration. 2.thearbitrationshallbeconductedinaccordancewiththearbitrationlawofpeoplesrepublicofchinaandprovisionalrulesofprocedureofchinainternati
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