{"id":"court_sdny_273_3","court":"SDNY","case_no":"23-cr-00118","doc_number":273,"sub_number":3,"doc_type":"ORDER","filed_date":null,"title":"EXHIBIT C LOAN AGREEMENT","summary_zh":"贷款协议 —— 美国诉 Ho Wan Kwok（郭文贵 / Guo Wengui / Miles Guo）案，SDNY 1:23-cr-00118 ECF #273。本文件系案件证物 C，记录 Phoenix Farm (Maywind Trading LLC) 与某贷方间的贷款协议，涉及美元工作资金贷款、利息、还款条件及资产抵押等条款。","summary_en":"Loan Agreement — United States v. Ho Wan Kwok (Miles Guo / Guo Wengui), SDNY 1:23-cr-00118, ECF #273. Exhibit C to the court record documents a loan agreement between Phoenix Farm (Maywind Trading LLC) and a lender regarding working capital financing, interest, repayment terms, and asset pledge provisions.","body_en":"## EXHIBIT C\n\n## LOAN AGREEMENT\n\n| Borrower: | Phoenix Farm (Maywind Trading LLC) |\n|-----------------------------|---------------------------------------------------------------------------------------------|\n| Lender: | |\n| Lender's Phoenix Farm Code: | |\n\nThis Loan Agreement dated is made between the Borrower and the Lender in which the Lender agrees to grant a loan to the Borrower on the following terms and conditions. The Lender understands and agrees to take all the commercial, market and if any, regulatory risk in relation to granting or extending the loan herein to the Borrower.\n\n1. Terms\n\n| (a) Use of Proceeds: | The loan proceeds advanced under this Agreement is for the general working capital purposes of the Borrower. |\n|--------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|\n| (b) Loan Amount: | United States Dollar in the amount of , which is the actual and net dollar amount credited into the Borrower's designated account pursuant to the Loan Advance. |\n| (c) Interest Rate: | 3% per annum on the Loan Amount payable in full on the Final Maturity Date |\n| (d) Final Maturity Date: | 36 months from the Effective Date. |\n| (e) Repayment: | The total Loan Amount and accrued interest from the Loan Amount will be repaid in a lump sum on the Final Maturity Date. The Borrower will have the option to make repayment in one of the two followings: (i) By cash in United States dollar in the total amount of Loan Amount plus accrued interest, or
(ii) By transferring ownership of the Borrower's Assets of a value determined by the Borrower and is acceptable by the Lender, that is equivalent to the total Loan Amount and accrued interest to the Lender.
|\n| (f) Extension Right: | Borrower has the right but not the obligation at any time before the Final Maturity Date to extend the Final Maturity Date for 24 months. Upon the Borrower serving a written loan extension notice to the Lender, the Final Maturity Date will be amended accordingly to the new date. |\n\nLender Initials\n\n1\n\n(g) Loan Advance:\n\n(h) Effective Date:\n\n(i)Pledge of Assets:\n\nThe Loan Amount will be advanced to the Borrower in a lump sum in a whole number by bank transfer into the Borrower's or other designated account as instructed by the Borrower.\n\nThe loan proceeds must be advanced by either the Lender or the designated individual or entity by the Lender. Otherwise, the Borrower shall have the right to unilaterally terminate this Agreement.\n\nThe Lender shall have no right to unilaterally terminate this Agreement after it becomes effective.\n\nThis Agreement shall be effective on the date the full Loan Amount proceeds has reached the Borrower's designated account in free and clear fund. The Effective Date and the Final Maturity Date will be declared by the Borrower to the Lender in writing once the Loan Advance proceeds are free and clear in the designated account. This Agreement shall continue in full force and effect until such time as all of Borrower's Loans in favor of Lender have been paid in full, including principal, interest, costs and expenses or until such time as the parties may agree in writing to terminate this Agreement.\n\nTo secure the prompt and complete repayment of the Loan, Borrower hereby pledges to the Lender and grants to the Lender, a security interest in all of such Borrower's right, title and interest in the Borrower's assets, including its fixed assets, current assets and any assets pledged to the Borrower (the \" Assets\") for an amount equal to the total indebtedness owed to the Lender.\n\n## (j)Perfection of Pledge Interest:\n\nBorrower agrees (i) to deliver to the Lender, or the Lender's nominee, all certificates, instruments or other documents evidencing any of the Assets that are pledged to the Lender at the end of the Final Maturity Date, and (ii) to take such other steps as the Lender may from time to time reasonably request to perfect the Lender's security interest in the Assets pledged to the Lender under the applicable law.\n\n(k) Prepayment:\n\nThe Borrower can, by giving at least 30-day written notice to the Lender, make prepayment of the loan at any time before the Final Maturity Date without paying any penalty or premium.\n\n2. Representations and Warranties by Lender. Lender represents and warrants to Borrower, as of the date of this Agreement, as of the date of any renewal, extension, or modification of any Loan, and at all times any indebtedness exists:\n\n- (a) Lender is sufficiently experienced in financial and business matters to be capable of utilizing such information to evaluate the merits and risks of this loan and make an informed decision relating thereto. Lender is in a financial position to hold the Loan for a period longer than the Final Maturity Date and is able to bear the economic risk and withstand a complete loss of the Loan.\n- (b) No litigation, claim, investigation, administration proceeding against Lender is pending. If any, that have been disclosed to and acknowledged by Borrower in writing.\n\n3. Representations and Warranties by Borrower: Borrower represents and warrants to Lender, as of the date of this Agreement, as of the date of any renewal, extension, or modification of any Loan, and at all times any indebtedness exists:\n\n- (a) Phoenix Farm (Maywind Trading LLC) is a company which is, and at all times shall be, duly organized, validly existing, and in good standing under and by virtue of the laws of the State of Arizona, duly authorized to transact business. Borrower will notify Lender prior to any change in its name or office location, and do all things necessary to preserve and keep in full force and effect its existence, rights and privileges, and shall comply with all requirements, rules, ordinances, statuses, orders and decrees of any government or quasi-governmental authority or court that is applicable.\n- (b) Borrower's execution, delivery, and performance of this Agreement has been duly authorized by all necessary action by Borrower and will not conflict with, result in a violation of, or constitute a default under any provision of (i) Borrower's Operating Agreement or (i) any law, government regulation, court decree, or order applicable to Borrower.\n- (c) No litigation, claim, investigation, administration proceeding against Borrower is pending. If any, that have been disclosed to and acknowledged by Lender in writing.\n\n4. Affirmative Covenants. Borrower covenants and agrees with Lender that, as long as this Agreement remains in effect, Borrower will:\n\n- (a) Notice of Claims and Litigation. Promptly inform Lender in writing of all existing and all threatened litigation, claims, investigations, and administrative proceedings affecting Borrower which could materially affect the financial condition of Borrower.\n- (b) Loan Proceeds. Use all loan proceeds strictly in accordance with the Use of Proceeds.\n\n- (c) Performance. Perform and comply, in a timely manner with all terms, conditions, and provisions set forth in this Agreement. Borrower shall notify Lender immediately in writing of any default in connection with any agreement.\n- (d) Assets. The Borrower will with its best effort ensure that the value of its assets is at all times sufficient to cover the indebtedness owed to the Lender.\n\n5. Negative Covenants. Borrower covenants and agrees with Lender that, as long as this Agreement remains in effect, Borrower will not, without the prior consent of Lender:\n\n- (a) Continuity of Operations. Cease operations, liquidate, merge, transfer, acquire, consolidate with any other entity.\n- (b) Agreements. Enter into agreement containing any provisions which could be violated or breached by the performance of Borrower's obligations under this Agreement or in connection herewith.\n- (c) Liens. Sell, transfer, assign, lease, or encumber the Assets to any party except the Lender. For the avoidance of doubt, the Borrower is permitted to pledge the Assets to other lenders of the similar nature provided that the value of the Borrower's assets are at all times sufficient to cover all the indebtedness owed by all the lenders.\n\n6. Default. Default will occur if payment in full is not made immediately when due. If Default shall occur, and, at Lender's option, all indebtedness shall become due and payable. In addition, Lender shall have all the rights and remedies available at the applicable laws. All of Lender's rights and remedies shall be cumulative and may be exercised singularly or concurrently.\n\n7. Notices. All notices and other communications given or made pursuant to this Agreement shall be in writing and shall be deemed effectively given upon the earlier of actual receipt or (a) personal delivery to the party to be notified, (b) when sent, if sent by electronic mail or facsimile during normal business hours of the recipient, and if not sent during normal business hours, then on the recipient's next business day, (c) five (5) days after having been sent by registered or certified mail, return receipt requested, postage prepaid, or (d) one (1) business day after deposit with a nationally recognized overnight courier, freight prepaid, specifying next business day delivery, with written verification of receipt. All communications shall be sent to the respective parties at their address as set forth in this Agreement or such address as subsequently modified by written notice.\n\n8. Indemnity. Lender agrees to indemnify and hold harmless Borrower, and each of its employees, directors, agents and attorneys, from and all loss, liability, claims, damages and expense (including any expense reasonably incurred in investigating, preparing or defending against any litigation commenced or any claim whatsoever) related to any misrepresentation or breach of warranty or breach of agreement by the Lender contained herein or in any other documents furnished by the Lender to the Borrower in connection with this Agreement.\n\n9. Amendment. This Agreement constitutes the entire understanding and agreement of the parties as to the matters set forth in this Agreement and supersedes each course of conduct previously pursued or acquiesced in, and each oral agreement and representation previously made by the parties with respect thereto, whether or not relied or acted upon. No alteration or amendment to this Agreement shall be effective unless given in writing and signed by the parties sought to be changed or bound by the alteration or amendment.\n\n10. Assignment. Lender shall not assign its rights under this Agreement or any interest therein, without the prior written consent of the Borrower.\n\n11. Agreement Binding on Borrower's and Lender's Successors. The representations, warranties, covenants and agreements in this Agreement shall be binding on the Lender's and the Borrower's successors, assigns, heirs and legal representatives and shall inure to the benefit of the respective successor and assigns of the Borrower and Lender.\n\n12. Dispute Resolution. The parties hereby submit to any federal or state courts, located in the State of Arizona, under the jurisdiction to the State of Arizona and agree that all litigation under or relating to this Agreement shall be conducted in such courts.\n\n13. Governing Law. This Agreement shall be construed in all respects in accordance with and governed by the laws of the State of Arizona.\n\n14. Delays or Omissions. No delay or omission to exercise any right, power or remedy accruing to any party under this Agreement, upon any breach or default of any other party under this Agreement, shall impair any such right, power or remedy of such non-breaching or non- defaulting party nor shall it be construed to be a waiver of any such breach or default, or an acquiescence therein, or of or in any similar breach or default thereafter occurring; nor shall any waiver of any single breach or default be deemed a waiver of any other breach or default theretofore or thereafter occurring. Any waiver, permit, consent or approval of any kind or character on the part of any party or any breach or default under this Agreement, or any waiver on the part of any party of any provisions or conditions of this Agreement, must be in writing and shall be effective only to the extent specifically set forth in such writing. All remedies, either under this Agreement or by the applicable law or otherwise afforded to any party, shall be cumulative and not alternative.\n\n15. The invalidity or unenforceability of any provision hereof shall in no way affect the validity or enforceability of any other provisions and the document in its entirety.\n\n16. DEFINITIONS. The following capitalized words and terms shall have the following meanings when used in this Agreement. Unless otherwise specifically stated to the contrary, all references to dollar amounts shall mean amounts in lawful money of the United States of America. Accounting words and terms not otherwise defined in this Agreement shall have the meanings assigned to them in accordance with generally accepted accounting principles and in effect on the date of this Agreement.\n\n\"Agreement\" or \"Loan Agreement\" means this agreement signed herewith, and this Loan Agreement may be amended or modified from time to time.\n\n\"Borrower\" means \\_ Phoenix Farm (Maywind Trading LLC)\n\n\"Default\" means the Default set forth in this Agreement in the section titled \"Default\".\n\n\"Final Maturity Date\" means the date on which all the indebtedness of the loan become due and immediately be repaid.\n\n\"Indebtedness\" means the indebtedness including all principal and interest together with all other indebtedness and cost and expenses for which Borrower is responsible under this Agreement.\n\n\"Lender\" means the entity or person set forth in this Agreement in the section titled \"Lender\"\n\n\"Loan\" means any and all loans from Lender to Borrower whether now or hereafter existing, and however evidenced.\n\n\"Assets\" means all the Borrower's assets, including its fixed assets, current assets and any assets pledged to the Borrower.\n\n## Signature Page\n\n| Lender: | |\n|---------|--|\n|---------|--|\n\n[Redacted Input]\n\n| Name (Print) | [Redacted Input] |\n|--------------|-------------------------------|\n| Signature | [Redacted Input] |\n| Date | [Redacted Input] |\n\nBorrower:\n\nPhoenix Farm (Maywind Trading LLC) Name (Print)\n\nTitle\n\nSignature\n\nDate\n\nAppendix A: Lender's information\n\n\n\nLender Initials","body_zh":"证物 C\n借款协议\n借款人：Phoenix Farm（Maywind Trading LLC，凤凰农场/五月风贸易有限责任公司）\n出借人：\n出借人凤凰农场编号：\n\n本借款协议日期为 ，由借款人与出借人订立，其中出借人同意按以下条款和条件向借款人发放借款。出借人理解并同意承担与向借款人发放或展期本文所述借款相关的所有商业、市场以及监管风险（如有）。\n\n1. 条款\n(a) 款项用途：本协议项下垫付的借款收益用于借款人的一般营运资金用途。\n(b) 借款金额：金额为 的美元，即根据借款垫付实际并净额计入借款人指定账户的美元金额。\n(c) 利率：按借款金额每年 3%，在最终到期日全额支付。\n(d) 最终到期日：自生效日起 36 个月。\n(e) 还款：借款总额及借款金额产生的应计利息将在最终到期日一次性偿还。借款人有权选择以下两种方式之一进行还款：(i) 以借款总额加应计利息之总额的美元现金偿还，或\n(ii) 向出借人转让价值由借款人确定并为出借人所接受的、等同于借款总额加应计利息的借款人资产所有权。\n\n(f) 展期权：借款人在最终到期日之前的任何时间有权（但无义务）将最终到期日延长 24 个月。在借款人向出借人送达书面借款展期通知后，最终到期日将相应修改为新日期。\n\n出借人首字母签名\n(g) 借款垫付：\n\n(h) 生效日：\n\n(i) 资产质押：\n\n借款金额将以整数形式通过银行转账一次性垫付给借款人，汇入借款人账户或借款人指示的其他指定账户。\n\n借款收益必须由出借人或出借人指定的个人或实体垫付。否则，借款人有权单方解除本协议。\n\n出借人在本协议生效后无权单方解除本协议。\n\n本协议自借款全额收益以无权利负担之资金到达借款人指定账户之日起生效。一旦借款垫付收益在指定账户中成为无权利负担之资金，借款人将以书面形式向出借人宣告生效日和最终到期日。本协议应持续保持完全有效，直至借款人向出借人所欠的所有借款已全额偿清（包括本金、利息、成本和费用），或直至双方以书面形式同意终止本协议。\n\n为担保借款的及时和全额偿还，借款人特此向出借人质押并授予出借人在借款人资产中的所有权利、所有权和权益的担保权益，包括其固定资产、流动资产以及质押给借款人的任何资产（简称“资产”），金额相当于所欠出借人的总债务。\n(j) 质押权益的完善：\n\n借款人同意 (i) 在最终到期日结束时，向出借人或出借人的指定人交付证明质押给出借人的任何资产的所有证书、票据或其他文件，以及 (ii) 采取出借人可能不时合理要求的其他步骤，以根据适用法律完善出借人在质押给出借人的资产中的担保权益。\n\n(k) 提前还款：\n\n借款人可通过至少提前 30 天向出借人发出书面通知，在最终到期日之前的任何时间提前偿还借款，而无需支付任何罚金或溢价。\n\n2. 出借人的陈述与保证。出借人于本协议之日、任何借款的任何续期、展期或修改之日、以及在任何债务存在的任何时候向借款人陈述并保证：\n\n- (a) 出借人在财务和商业事务方面具有充分经验，有能力利用此类信息评估本借款的利弊与风险，并就此做出知情决定。出借人的财务状况足以持有借款超过最终到期日的期限，并能够承担经济风险并经受借款的全额损失。\n- (b) 没有任何针对出借人的诉讼、主张、调查、行政程序处于未决状态。如有，均已向借款人书面披露并经借款人确认。\n\n3. 借款人的陈述与保证：借款人于本协议之日、任何借款的任何续期、展期或修改之日、以及在任何债务存在的任何时候向出借人陈述并保证：\n\n- (a) Phoenix Farm (Maywind Trading LLC) 是一家根据 Arizona（亚利桑那州）法律合法设立、有效存续且信誉良好的公司，并经正式授权开展业务。借款人在其名称或办公地点发生任何变更之前应通知出借人，并采取一切必要措施维护并保持其存续、权利和特权完全有效，且应遵守任何适用的政府或准政府机构或法院的所有要求、规则、条例、法规、命令和法令。\n- (b) 借款人对本协议的签署、交付和履行已通过借款人的所有必要行动获得正式授权，且不会与以下各项的任何规定相抵触、导致违反或构成违约：(i) 借款人的《运营协议》或 (i) 适用于借款人的任何法律、政府法规、法院法令或命令。\n- (c) 没有任何针对借款人的诉讼、主张、调查、行政程序处于未决状态。如有，均已向出借人书面披露并经出借人确认。\n\n4. 积极承诺。借款人向出借人承诺并同意，只要本协议仍然有效，借款人将：\n\n- (a) 主张与诉讼通知。及时以书面形式告知出借人可能对借款人财务状况产生重大影响的、影响借款人的所有现有及受威胁的诉讼、主张、调查和行政程序。\n- (b) 借款收益。严格按照款项用途使用所有借款收益。\n\n- (c) 履行。及时履行并遵守本协议中规定的所有条款、条件和规定。借款人如发生与任何协议相关的任何违约，应立即书面通知出借人。\n- (d) 资产。借款人将尽最大努力确保其资产价值在任何时候均足以清偿所欠出借人的债务。\n\n5. 消极承诺。借款人向出借人承诺并同意，只要本协议仍然有效，未经出借人事先同意，借款人不得：\n\n- (a) 经营连续性。停止经营、清算、合并、转让、收购、与任何其他实体联合。\n- (b) 协议。订立包含任何可能因借款人履行本协议项下或与本协议相关的义务而受到违反的规定的协议。\n- (c) 留置权/权利负担。向除出借人以外的任何方出售、转让、让与、出租或在资产上设置权利负担。为免疑义，在借款人资产价值在任何时候均足以清偿所有出借人所欠全部债务的前提下，借款人获准向其他具有类似性质的出借人质押资产。\n\n6. 违约。如果在到期时未立即全额付款，即构成违约。如果发生违约，经出借人选择，所有债务应立即到期并应予支付。此外，出借人应享有适用法律所规定的一切权利和救济。出借人的所有权利和救济应是累积性的，可以单独行使或同时行使。\n\n7. 通知。根据本协议发出或作出的所有通知和其他通信均应采用书面形式，并在实际收到之日或以下较早之日视为有效发出：(a) 亲自送达被通知方，(b) 如在接收方正常营业时间内通过电子邮件或传真发送，则在发送时生效；如不在正常营业时间内发送，则在接收方的下一个营业日生效，(c) 通过挂号信或保价信（要求回执、已预付邮资）寄出后五 (5) 天，或 (d) 存入全国认可的隔夜快递公司（已预付运费、指定下一个营业日送达、附有书面签收证明）后一 (1) 个营业日。所有通信均应按本协议中规定的地址或随后通过书面通知修改的地址发送给各方。\n\n8. 赔偿。出借人同意对借款人及其每位雇员、董事、代理人和律师进行赔偿，并使其免受与出借人在本文或出借人就本协议向借款人提供的任何其他文件中所包含的任何不实陈述或违反保证或违反协议相关的一切损失、责任、主张、损害和费用（包括在调查、准备或针对已提起的任何诉讼或任何主张进行抗辩时合理产生的任何费用）的损害。\n\n9. 修改。本协议构成双方就本协议所述事项的完整理解与协议，并取代双方此前就此采取或默许的每一行为过程，以及双方此前作出的每一口头协议和陈述，不论是否已被信赖或据其行事。对本协议的任何变更或修改均无效，除非以书面形式作出并由意图受该变更或修改约束或受其改变的各方签署。\n\n10. 转让。未经借款人事先书面同意，出借人不得转让其在本协议项下的权利或其中的任何权益。\n\n11. 协议对借款人和出借人的继承人具有约束力。本协议中的陈述、保证、承诺和约定应对出借人和借款人的继承人、受让人、继承人及法定代表人具有约束力，并应符合借款人和出借人各自的继承人和受让人的利益。\n\n12. 争议解决。双方特此服从位于 State of Arizona（亚利桑那州）境内、受亚利桑那州管辖的任何联邦或州法院的管辖，并同意本协议项下或与本协议相关的所有诉讼均应在上述法院进行。\n\n13. 准据法。本协议在各方面均应按照 State of Arizona（亚利桑那州）法律进行解释并受其管辖。\n\n14. 迟延或不作为。在任何一方发生本协议项下的任何违约或不履行行为时，任何一方迟延或未能行使其在本协议项下享有的任何权利、权力或救济，均不得损害该守约方的任何此类权利、权力或救济，亦不得被解释为对任何此类违约或不履行行为的放弃或默许，或对随后发生的任何类似违约或不履行行为的放弃或默许；对任何单次违约或不履行行为的放弃，也不得被视为对在此之前或之后发生的任何其他违约或不履行行为的放弃。任何一方对本协议项下的任何违约或不履行行为所作的任何性质或种类的放弃、许可、同意或批准，或任何一方对本协议任何条款或条件的放弃，均须采用书面形式，且仅在此类书面文件中明确载明的范围内有效。向任何一方提供的所有救济，无论是在本协议项下、依据适用法律还是以其他方式提供，均应是累加的，而非可替代的。\n\n15. 本协议任何条款的无效或不可执行性，绝不应影响任何其他条款以及本文件整体的有效性或可执行性。\n\n16. 定义。下列首字母大写的词语和术语在本协议中使用时应具有以下含义。除非另有明确相反规定，所有对美元金额的指称均指美利坚合众国的法定货币金额。本协议中未另作定义的会计词语和术语应具有按照在本协议签署之日有效的公认会计原则所赋予的含义。\n\n“协议”或“贷款协议”指在此签署的本协议，且本贷款协议可不时予以修订或修改。\n\n“借款人”指 _ 凤凰农场（Maywind Trading LLC）\n\n“违约”指本协议在标题为“违约”的章节中所载明的违约行为。\n\n“最终到期日”指贷款的所有债务到期并须立即偿还的日期。\n\n“债务”指借款人在本协议项下负责偿还的包括所有本金和利息以及所有其他债务、成本和费用的债务。\n\n“贷款人”指本协议在标题为“贷款人”的章节中所载明的实体或个人。\n\n“贷款”指贷款人向借款人提供的任何及所有贷款，无论现已存在还是此后存在，且无论通过何种方式证明。\n\n“资产”指借款人的所有资产，包括其固定资产、流动资产以及向借款人质押的任何资产。\n\n签名页\n贷款人：\n\n[已涂黑输入]\n姓名（印刷体） [已涂黑输入]\n签名 [已涂黑输入]\n日期 [已涂黑输入]\n\n借款人：\n\nPhoenix Farm (Maywind Trading LLC)（凤凰农场（Maywind Trading LLC）） 姓名（印刷体）\n\n职位\n\n签名\n\n日期\n\n附录 A：贷款人信息\n\n（图片：_page_8_Picture_2.jpeg）\n\n贷款人姓名首字母签名","key_entities":["CIPA"],"ecf_references":[],"word_count":2340,"status":"published","published_at":null,"created_at":null,"updated_at":"2026-08-23 07:40:02"}