Mr. Ryan want to buy some plot of land at Phutthamonthon, he signed a loan of money contract with Mr. Top to borrow 500,000 baht from Mr. Top and to return to Mr. Top the money after twelve months from the date of signing the contract. Mr.Paul Verbally guarantee for the debt payment. In this loan of money contract both of Mr.Ryan and Mr. Top agreed that the interest was payable, but did not specify and interest rate amount in the contract.