In accordance with the UNIDROIT Principles of International Commercial Contracts and other applicable laws and regulations, Party A and Party B, on the basis of equality and voluntariness, through mutual agreement, hereby conclude this Contract for the purpose of clarifying responsibilities and upholding credit.

The successful approval of the loan application shall be deemed as the signing of this Contract by both parties, and both parties shall jointly comply with and perform the Contract.

Our company, "PrimeCredit Limited", is Party B, and the Borrower is Party A.

Repayment Method: Pay interest monthly, and repay the principal in a lump sum upon maturity; or repay by equal monthly installments of principal and interest / equal monthly principal repayments as agreed by both parties (to be supplemented according to actual circumstances).

Interest Repayment: The interest must be deposited into Party A's bank account before 18:00 on the 16th day of each month. The bank shall automatically deduct the monthly interest from Party A's account. Upon loan maturity, the bank shall automatically deduct the principal from Party A's account. Party A shall deposit sufficient funds into its bank account in advance to ensure successful deduction.

Clause 1: Guarantee Provisions

The loan is jointly issued by the Company and a licensed bank in Hong Kong. During the loan term, the Borrower must:

① Pay interest on time;
② Repay the principal in full upon maturity;
③ Comply with and abide by all terms of this Contract.

Breach of any of the above obligations will result in the Borrower having a negative personal credit record in the Hong Kong Credit Reference Agency.

Once a negative credit record is registered with the bank, the Borrower shall be permanently ineligible for credit cards, property purchases, vehicle purchases, or mortgage loans for a period of ten years, and all consequences arising therefrom shall be borne by the Borrower.

Upon verification by the Lender confirming that the Borrower has the repayment capacity and good credit, the Lender must disburse the loan to the Borrower's account within one business day.

Clause 2: Breach of Contract and Liability

Party A shall pay interest on time and repay the principal upon maturity. In case of overdue payment, Party B has the right to report to the Hong Kong Credit Reference Agency, which will affect Party A's credit record.

Either party that breaches the provisions of this Contract shall pay liquidated damages equal to 50% of the loan amount and bear all legal liabilities arising therefrom.

Clause 3: In accordance with the general rules of international credit and relevant laws and regulations of Hong Kong: The Lender shall bear the guarantee loan risk of the Borrower, and shall verify the Borrower's personal minimum repayment capacity as appropriate. The Borrower shall deposit funds in its own account, generally 20%-50% of the loan amount. The banking system shall confirm and verify the true identity information of the Borrower and associate the Borrower's automatic interest deduction account. Upon completion of bank verification, the loan shall be disbursed to the account filled in by the Borrower in the contract within half an hour. If the Borrower fails to perform the contract terms after signing the contract, the Company shall treat it as serious and deliberate loan fraud, directly file a lawsuit with the court of competent jurisdiction in Hong Kong, and the Borrower shall be subject to severe legal penalties.

Clause 4: If Party A has problems such as insufficient credit score, insufficient bank statement, or time-out, Party A shall cooperate with Hong Kong credit institutions to complete relevant reviews and upgrade to meet the standards before the loan can be credited. Party A may repay the full amount in advance if it has sufficient funds; early repayment is subject to no liquidated damages, with interest calculated and settled together with the principal.

Clause 5: After signing this Contract, both parties shall abide by and perform all terms hereof. If either party breaches the terms of this Contract, the other party shall have the right to file a lawsuit with the court of competent jurisdiction in Hong Kong. The breaching party shall pay 50% of the loan amount as liquidated damages hereunder, and the breaching party shall raise no objection thereto.

Clause 6: The Borrower must guarantee that the loan proceeds are used for the purpose specified in this Contract. If the Borrower has insufficient bank statements, it shall submit for verification up to a maximum of 50% bank statement before unconditional disbursement. The Borrower shall not use the loan amount for illegal purposes explicitly prohibited by global and Hong Kong laws and regulations. If the Borrower intentionally diverts and uses the funds in breach of contract, the Lender shall have the right to request other depositary banks to deduct the payment for settlement on its behalf, and the Borrower shall bear all liabilities for breach of contract.

Clause 7: After signing this Contract, the Borrower shall complete all formalities. The Lender shall release the loan and transfer it to the Borrower's account or issue a cheque to the Borrower within one day of the Borrower signing the Contract. If the Lender fails to release the loan or issue the cheque on time, it shall pay liquidated damages to the Borrower equal to 50% of the loan amount based on the default amount and the number of days delayed. If the Borrower intends to terminate the Contract for any reason after signing, it must pay the Lender 50% of the loan amount as contract termination liquidated damages.

Clause 8: Method for Dispute Resolution

Any dispute arising from the performance of this Contract shall be settled through negotiation between both parties. If negotiation fails, the dispute shall be submitted to the Hong Kong International Arbitration Centre for arbitration or directly filed with the court of competent jurisdiction in Hong Kong.

"I have read all the terms and conditions of this loan contract, fully understand and clearly comprehend the relevant information of the contract terms, and agree to abide by all the terms of the contract. If I fail to comply with all the terms of the contract, I agree to be subject to severe legal penalties and pay liquidated damages equal to 50% of the loan amount."

Special Declaration: This Loan Contract shall take effect on the date of signature (including electronic signature) by both parties. The contract text shall have the same legal effect.