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This tutorial demonstrates how to create a personal loan agreement by accessing a webpage to choose the format (Adobe PDF, Microsoft Word, rich text). The example uses Adobe PDF as it is the easiest. The form is fillable, with the user adding information such as the date, borrower's details, lender's details, loan amount, and payment terms. In this case, Johnny Appleseed is lending money to his wife Nancy Appleseed, with a repayment period of one year and a loan amount of $10,000.