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Although we to present accurate information of Chinese reverse mortgage laws, regulations, rules, notices, circulars and announcements promulgated by central and local governmental authorities in China, the information in this publication is for reference only and should not be relied upon when deciding on a course of action.  The advice of qualified Chinese lawyers should be sought to learn the legal effects of specific actions.  Also, only the original Chinese text of Chinese laws, regulations, rules, notices, circulars and announcements promulgated by central and local governmental authorities in China is binding under Chinese law.