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DATED 31 January 2020 IVS BULK 10824 PTE. LTD. as Borrower IVS BULK PTE. LTD. as Guarantor AND SHOWA LEASING CO., LTD. as Lender LOAN AGREEMENT in relation to 60,500 DWT Type Bulk Carrier M/V “IVS NORTH BERWICK” (IMO No. 9740902)