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In this tutorial, the process of writing a personal loan agreement is demonstrated. The agreement can be customized on a webpage and saved in Adobe PDF, Microsoft Word, or rich text format. The borrower, in this case, Johnny Appleseed, borrows $10,000 from his wife, Nancy Appleseed, with a promise to pay back within a year. The terms of the loan can be specified, and details can be filled in the fillable form.