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In this tutorial, the presenter explains how to create a personal loan agreement using DocHub PDF format. Users can fill out a template by clicking on blank fields. The example provided features Johnny Appleseed as the borrower, residing at 123 Apple Way, Appleville, Texas. His wife, Nancy Appleseed, is the lender. The agreement states that Nancy will repay a loan of $10,000 within one year, starting from the effective date, which is May 24, 2023. The tutorial emphasizes filling in necessary details and conditions to formalize the loan agreement properly.