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need for collateral or security for this loan. The interest rate will be 5% per annum, and payments will be due on the 1st of every month. If the borrower fails to make a payment, they will be charged a late fee of $50. The borrower also agrees to provide a valid ID and proof of income. This agreement can be terminated by either party with a written notice. Both parties understand and acknowledge the terms and conditions of this loan agreement.