The borrower should read the contract especially Articles of *** carefully and signed the contract

after being confirmed of no objections.

Bank of Communications

Personal House Loan Contract

(Apply to signing contracts among the borrower, the lender and the real estate agency)

Yu BOCS 2004 Jiulongpo GD Zi No. xxxx

Borrower:xxxx

Place of domicile: xxxx

Contact address: ditto Tel.: xxxx Zip code:

Lender: Jiulongpo Sub-branch, Chongqing Branch, Bank of Communications

Address: Xiejiawan Main Street, Jiulongpo District

Real estate agency: xxxxxx

Legal address: xxxxxx

Legal representative: xxxx

Deposit bank and account: Ganghua Road Local Branch, Jiulongpo Sub-branch, Bank of Communications xxxx

Whereas the borrower applies for personal house loan to buy a house for self residence from the real estate agency and the lender agrees to load to the borrower after investigation, the borrower, the lender and the real estate agency, in accordance with laws and regulations as well as provisions relevant to the personal house loan, sign and conclude the contract by consensus.

Article 1 Loan

1.1 The loan amount is RMB (in words): xxx.

1.2 The loan term is 20 years, from April 9, 2004 to April 9, 2024.

1.3 The loan will be used to buy:

The house located at xxxx

Total price of the house: xxxx

Article 2 Interest and rate of loan

2.1 Interest rate of loan: xxx‰.

If the loan term is more than one year, in case of adjustment of the prescribed interest rate, it should be executed according to provisions of the People’s Bank of China without gaining agreement of the borrower.

2.2 The loan interest under the contract should be charged according to the actual loan amount and occupation days from the actual issuing day of the loan.

Article 3 Loan issuing

3.1 Preconditions of issuing loan

(1) The borrower has deposited at least xx% of down payment of the total house purchase price into the account specified in Article 4.5 of the contract and has entrusted the lender to pay the real estate agency.

(2) Relevant guarantee contract prescribed in Article 5 of the contract has been signed.

(3) The lender and his (her) family meet conditions of loan issuing.

3.2 The lender should issue the loan within xx days after the borrower goes through all procedures of loan.

3.3 The loan should be issued by the method that: the lender transfers the loan and the down payment deposited by the borrower into the account xxx opened by the real estate agency in the lender’s bank under the name of the borrower’s house purchase payment.

Article 4 Loan repayment

4.1 The loan should be repaid by the equal monthly payment. If the loan term is less than 1 year, both parties concerned may adopt the method of repaying capital with interest by negotiation.

The method of loan repayment should be determined according to the annual plan of loan repayment provided by the lender.

If the loan will be repaid by the method of equal monthly payment, it is applicable to Article 4.2 to Article 4.4.

4.2 The borrower should repay the capital and interest under the contract by month from the first repayment date after the loan is issued.

The amount of capital and interest to be paid by the borrower should be determined by the method of equal payment. The calculation method for the amount of capital and interest of personal house loan of Bank of Communications is shown in the attachment of the contract.

4.3 The capital and interest amount to be paid in each month and firstly determined after the loan is issued is RMB (in words): xxxx yuan; thereafter, if the interest rate is adjusted according to Article 2.1 of the contract, the capital and interest amount of each month shall be calculated and determined according to Article 2.1 and Article 4.2 of the contract.

The lender shall mail the annual plan of loan repayment of Bank of Communications to the borrower according to the contact address supplied by the borrower within / days after the dare of loan issuing and interest adjustment.

4.4 The repayment date is the 9th day of each month. The first repayment date is xxx and the last repayment date is xxx.

*** 4.5 The borrower shall open an account for loan issuing as well as capital and interest as required by the lender. The borrower should deposit enough money in the account specified by the lender to repay the due capital and interest.

The lender deducts the due capital and interest from the specified account on each repayment date. If the amount in the specified account is insufficient for deducting the due capital and account, the lender is entitled to deduct the amount from the borrower’s other account opened in the Bank of Communications.

*** 4.6 The borrower might repay the loan in advance according to the following provisions after being agreed by the lender.

(1) If it is decided to repay the total loan in advance, it might be transacted on any working day of the bank; if it is decided to repay part of the loan, it shall be transacted on the repayment date specified in the contract. The interest of the paid-off capital should be settled at repayment.

(2) As for the loan repaid in advance, the lender will not return the interest which has been charged and will not charge the interest from the date of advance payment to the agreed loan repayment date.