Loan Agreement (Exhibit 10.14)

This agreement is between a lender and a borrower, outlining the terms under which the lender will provide a loan to the borrower. It specifies the amount of the loan, repayment schedule, interest rate, and any conditions or covenants the borrower must follow. The agreement also details what happens in case of default or late payment. Both parties agree to these terms to ensure the proper use and repayment of the loan.