MONEY LENDING CONTRACT

Guatemala, _______________________

MEETING

On one side, CORPORACION Y & M.

And on the other hand,
________________________________________________, _______ years of
age, with address at
_____________________________________________________________ and
Personal Identification Document (DPI) number ________________________.
Both parties intervene on their own behalf and in their own right.

With the capacity and legal standing to contract that they reciprocally recognize,
the parties hereto have agreed to execute aMONEY LOAN AGREEMENT WITH
INTEREST, in accordance with the following,

CLAUSES

FIRST: CORPORACION Y & M, is the owner of the amount of Q___________

(______________________________). which it delivers, in this act, to the
borrower _____________________________________________, being obliged
to return to the lender the same amount plus interest, according to the stipulations
of this interest-bearing money loan contract.

The destination of the loan is for __________________________________.

SECOND: During the term of the loan, the capital loaned will accrue interest at the
rate of _____ % (________________________).

THIRD: The borrower shall repay the lender the amount of the loan with interest
within a maximum term of _______________.

However, the borrower may repay the outstanding principal and interest in advance
at any time.

FOURTH: If the borrower fails to repay the amount on the stipulated date, the
borrower shall pay the lender a charge of Q_______ (_____________________)
per day of delay, for being in arrears, without prior notice from the lender.
FIFTH: 3 The borrower leaves as collateral:
_____________________________________________________________ and if
the stipulated date of payment is not met, it will become the property of
CORPORACION Y & M.

SIXTH: For the resolution of any question arising from the interpretation or
application of this interest-bearing loan agreement, the parties submit to the Courts
and Tribunals of the lender, waiving, if possible, their own jurisdiction.

And in proof of conformity, the undersigned sign this contract at the place and on
the date indicated.

Lender's signature Borrower's signature

Collector's signature