Exhibit 10.28


 


Loan Agreement by and
between 


United Time Technology
Co., Ltd. and Its Shareholder


[Unofficial English
Translation]


 


Party A (Borrower/Company):
United Time Technology Co., Ltd.


Legal Representative:
Minfei Bao


Address: Floor 7, Block
5A, Software Industry Base, Nanshan District, Shenzhen City


 


Party B (Lender/Shareholder):
Minfei Bao


ID Number: 510402197304140958


 


WHEREAS, Party B is the
shareholder of Party A, Party A now borrows from Party B for daily operation needs. Both parties sign this agreement to clarify
the responsibilities of both parties, the nature of the payment and related matters.


 


Article 1: Loan Commitments


 


Party B agrees to grant the Party A a loan
with an aggregate amount of RMB1,300,000 only.


 


Article 2: Interest and Payments


 


The loan is non-interest bearing.


 


Article 3: Terms of the Loan


 


1. The term of the loan shall
be ten (10) years, starting from June 19, 2018 to June 18, 2028. The Lender will make the payment to the account designated by
the Borrower in one lump sum within three (3) days from the date of execution of the agreement.


 


2. The borrower shall repay
the total principal in lump-sum to the account designated by the lender before the loan becomes due.


 


Article 4: Natures of the Loan


 


Both parties confirm that the
funds used for borrowing are provided by the nature of borrowing rather than capital contributions or capital payments.


 


Article 5: Obligations


 


I. Borrower’s
Obligations


 


1. The loan shall only be used
for the purposes provided in the loan agreement, and may not be used for other purposes or illegal activities.


 


2. The Borrower shall repay
to the Lender the outstanding amount of the loan in lump-sum according to the term agreed upon.


 






    


     


    

 


II. Lender Obligations


 


1. Lender shall make full payments
of the loan to the Borrower’s account according to the agreed-upon schedule.


 


2. Lender shall keep confidential
of the debts, financials, production, operation and any commercial information related to the Borrower to the third party.


 


Article 6: Dispute resolutions


 


All parties shall settle disputes
arising from the performance of this Agreement through friendly negotiation; If negotiation falls apart, either party has the right
to bring a lawsuit to the court where the Company is registered.


 


Article 7: Others


 


If there are any matters not
covered in this Agreement, both parties shall negotiate together to make written supplementary arrangements, which should have
the same effect as this Agreement.


 


Party A: United Time Technology Co., Ltd.
(Seal Affixed)


Legal Representative: Minfei Bao


 


	Party B (Shareholder):	/s/ Minfei Bao	 
	 	Minfei Bao	 



 


Date: June 19, 2018


 






    2


     


    

 


Loan Agreement by and
between 


United Time Technology
Co., Ltd. and Its Shareholder


[Unofficial English
Translation]


 


Party A (Borrower/Company):
United Time Technology Co., Ltd.


Legal Representative:
Minfei Bao


Address: Floor 7, Block
5A, Software Industry Base, Nanshan District, Shenzhen City


 


Party B (Lender/Shareholder):
Minfei Bao


ID Number: 510402197304140958


 


WHEREAS, Party B is the
shareholder of Party A, Party A now borrows from Party B for daily operation needs. Both parties sign this agreement to clarify
the responsibilities of both parties, the nature of the payment and related matters.


 


Article 1: Loan Commitments


 


Party B agrees to grant the Party A a loan
with an aggregate amount of RMB1,700,000 only.


 


Article 2: Interest and Payments


 


The loan is non-interest bearing.


 


Article 3: Terms of the Loan


 


1. The term of the loan shall
be ten (10) years, starting from January 16, 2020 to January 15, 2030. The Lender will make the payment to the account designated
by the Borrower in lump-sum within three (3) days from the date of execution of the agreement.


 


2. The borrower shall repay
the total principal in lump-sum to the account designated by the lender before the loan becomes due.


 


Article 4: Natures of the Loan


 


Both parties confirm that the
funds used for borrowing are provided by the nature of borrowing rather than capital contributions or other capital payments.


 


Article 5: Obligations


 


I. Borrower’s
Obligations


 


1. The loan shall only be used
for the purposes provided in the loan agreement, and may not be used for other purposes or illegal activities.


 


2. The Borrower shall repay
to the Lender the outstanding amount of the loan in lump-sum according to the term agreed upon.


 






    3


     


    

 


II. Lender’s Obligations


 


1. Lender shall make full payments
of the loan to the Borrower’s account according to the agreed-upon schedule.


 


2. Lender shall keep confidential
of the debts, financials, production, operation and any commercial information related to the Borrower.


 


Article 6: Dispute resolutions


 


All parties shall settle disputes
arising from the performance of this Agreement through friendly negotiation; If negotiation falls apart, either party has the right
to bring a lawsuit to the court where the Company is registered.


 


Article 7: Others


 


If there are any matters not
covered in this Agreement, both parties shall negotiate together to make written supplementary arrangements, which should have
the same effect as this Agreement.


 


Party A: United Time Technology Co., Ltd.
(Seal Affixed)


Legal Representative: Minfei Bao


 


	Party B (Shareholder):	/s/ Minfei Bao	 
	 	Minfei Bao	 



 


Date: January 15, 2020


 






    4


     


    

 


Loan Agreement by and
between 


United Time Technology
Co., Ltd. and Its Shareholder


[Unofficial English
Translation]


 


Party A (Borrower/Company):
United Time Technology Co., Ltd.


Legal Representative:
Minfei Bao


Address: Floor 7, Block
5A, Software Industry Base, Nanshan District, Shenzhen City


 


Party B (Lender/Shareholder):
Minfei Bao


ID Number: 510402197304140958


 


WHEREAS, Party B is the
shareholder of Party A, Party A now borrows from Party B for daily operation needs. Both parties sign this agreement to clarify
the responsibilities of both parties, the nature of the payment and related matters.


 


Article 1: Loan Commitments


 


Party B agrees to grant the Party A a loan
with an aggregate amount of RMB1,000,000 only.


 


Article 2: Interest and Payments


 


The loan is non-interest bearing.


 


Article 3: Terms of the Loan


 


1. The term of the loan shall
be ten (10) years, starting from March 11, 2020 to March 10, 2030. The Lender will make the payment to the account designated by
the Borrower in one lump sum within three (3) days from the date of execution of the agreement Clause


 


2. The borrower shall repay
the total principal in lump-sum to the account designated by the lender before the loan becomes due.


 


Article 4: Natures of the Loan


 


Both parties confirm that the
funds used for borrowing are provided by the nature of borrowing rather than capital contributions or capital payments.


 


Article 5: Obligations


 


I. Borrower’s
Obligations


 


1. The loan shall only be used
for the purposes provided in the loan agreement, and may not be used for other purposes or illegal activities.


 


2. The Borrower shall repay
to the Lender the outstanding amount of the loan in lump-sum according to the term agreed upon.


 






    5


     


    

 


II. Lender Obligations


 


1. Lender shall make full payments
of the loan to the Borrower’s account according to the agreed-upon schedule.


 


2. Lender shall keep confidential
of the debts, financials, production, operation and any commercial information related to the Borrower to the third party.


 


Article 6: Dispute resolutions


 


All parties shall settle disputes
arising from the performance of this Agreement through friendly negotiation; If negotiation falls apart, either party has the right
to bring a lawsuit to the court where the Company is registered.


 


Article 7: Others


 


If there are any matters not
covered in this Agreement, both parties shall negotiate together to make written supplementary arrangements, which should have
the same effect as this Agreement.


 


Party A: United Time Technology Co., Ltd.
(Seal Affixed)


Legal Representative: Minfei Bao


 


	Party B (Shareholder):	/s/ Minfei Bao	 
	 	Minfei Bao	 



 


Date: March 10, 2020


 






    6


     


    

 


Loan Agreement by and
between 


United Time Technology
Co., Ltd. and Its Shareholder


[Unofficial English
Translation]


 


Party A (Borrower/Company):
United Time Technology Co., Ltd.


Legal Representative:
Minfei Bao


Address: Floor 7, Block
5A, Software Industry Base, Nanshan District, Shenzhen City


 


Party B (Lender/Shareholder):
Minfei Bao


ID Number: 510402197304140958


 


WHEREAS, Party B is the
shareholder of Party A, Party A now borrows from Party B for daily operation needs. Both parties sign this agreement to clarify
the responsibilities of both parties, the nature of the payment and related matters.


 


Article 1: Loan Commitments


 


Party B agrees to grant the Party A a loan
with an aggregate amount of RMB1,000,000 only.


 


Article 2: Interest and Payments


 


The loan is non-interest bearing.


 


Article 3: Terms of the Loan


 


1. The term of the loan shall
be ten (10) years, starting from March 23, 2020 to March 22, 2030. The Lender will make the payment to the account designated by
the Borrower in one lump sum within three (3) days from the date of execution the agreement.


 


2. The borrower shall repay
the total principal in lump-sum to the account designated by the lender before the loan becomes due.


 


Article 4: Natures of the Loan


 


Both parties confirm that the
funds used for borrowing are provided by the nature of borrowing rather than capital contributions or capital payments.


 


Article 5: Obligations


 


I. Borrower’s
Obligations


 


1. The loan shall only be used
for the purposes provided in the loan agreement, and may not be used it for other purposes or illegal activities.


 


2. The Borrower shall repay
to the Lender the outstanding amount of the loan in lump-sum according to the term agreed upon.


 






    7


     


    

 


II. Lender Obligations


 


1. Lender shall make full payments
of the loan to the Borrower’s account according to the agreed-upon schedule.


 


2. Lender shall keep confidential
of the debts, financials, production, operation and any commercial information related to the Borrower to the third party.


 


Article 6: Dispute resolutions


 


All parties shall settle disputes
arising from the performance of this Agreement through friendly negotiation; If negotiation falls apart, either party has the right
to bring a lawsuit to the court where the Company is registered.


 


Article 7: Others


 


If there are any matters not
covered in this Agreement, both parties shall negotiate together to make written supplementary arrangements, which should have
the same effect as this Agreement.


 


Party A: United Time Technology Co., Ltd.
(Seal Affixed)


Legal Representative: Minfei Bao


 


	Party B (Shareholder):	/s/ Minfei Bao	 
	 	Minfei Bao	 



 


Date: March 22, 2020


 






    8


     


    

 


Loan Agreement by and
between 


United Time Technology
Co., Ltd. and Its Shareholder


[Unofficial English
Translation]


 


Party A (Borrower/Company):
United Time Technology Co., Ltd.


Legal Representative:
Minfei Bao


Address: Floor 7, Block
5A, Software Industry Base, Nanshan District, Shenzhen City


 


Party B (Lender/Shareholder):
Minfei Bao


ID Number: 510402197304140958


 


WHEREAS, Party B is the
shareholder of Party A, Party A now borrows from Party B for daily operation needs. Both parties sign this agreement to clarify
the responsibilities of both parties, the nature of the payment and related matters.


 


Article 1: Loan Commitments


 


Party B agrees to grant the Party A a loan
with an aggregate amount of RMB500,000 only.


 


Article 2: Interest and Payments


 


The loan is non-interest bearing.


 


Article 3: Terms of the Loan


 


1. The term of the loan shall
be ten (10) years, starting from April 30, 2020 to April 29, 2030. The Lender will make the payment to the account designated by
the Borrower in one lump sum within three (3) days from the date of execution of the agreement Clause


 


2. The borrower shall repay
the total principal in lump-sum to the account designated by the lender before the loan becomes due.


 


Article 4: Natures of the Loan


 


Both parties confirm that the
funds used for borrowing are provided by the nature of borrowing rather than capital contributions or capital payments.


 


Article 5: Obligations


 


I. Borrower’s
Obligations


 


1. The loan shall only be used
for the purposes provided in the loan agreement, and may not be used for other purposes or illegal activities.


 


2. The Borrower shall repay
to the Lender the outstanding amount of the loan in lump-sum according to the term agreed upon.


 






    9


     


    

 


II. Lender Obligations


 


1. Lender shall make full payments
of the loan to the Borrower’s account according to the agreed-upon schedule.


 


2. Lender shall keep confidential
of the debts, financials, production, operation and any commercial information related to the Borrower to the third party.


 


Article 6: Dispute resolutions


 


All parties shall settle disputes
arising from the performance of this Agreement through friendly negotiation; If negotiation falls apart, either party has the right
to bring a lawsuit to the court where the Company is registered.


 


Article 7: Others


 


If there are any matters not
covered in this Agreement, both parties shall negotiate together to make written supplementary arrangements, which should have
the same effect as this Agreement.


 


Party A: United Time Technology Co., Ltd.
(Seal Affixed)


Legal Representative: Minfei Bao


 


	Party B (Shareholder):	/s/ Minfei Bao	 
	 	Minfei Bao	 



 


Date: April 29, 2020


 



    10


     


    

 


Loan Agreement by and
between 


United Time Technology
Co., Ltd. and Its Shareholder


[Unofficial English
Translation]


 


Party A (Borrower/Company):
United Time Technology Co., Ltd.


Legal Representative:
Minfei Bao


Address: Floor 7, Block
5A, Software Industry Base, Nanshan District, Shenzhen City


 


Party B (Lender/Shareholder):
Minfei Bao


ID Number: 510402197304140958


 


WHEREAS, Party B is the
shareholder of Party A, Party A now borrows from Party B for daily operation needs. Both parties sign this agreement to clarify
the responsibilities of both parties, the nature of the payment and related matters.


 


Article 1: Loan Commitments


 


Party B agrees to grant the Party A a loan
with an aggregate amount of RMB400,000 only.


 


Article 2: Interest and Payments


 


The loan is non-interest bearing.


 


Article 3: Terms of the Loan


 


1.
The term of the loan shall be ten (10) years, starting from May 6, 2020 to May 5, 2030. The Lender will make the payment to the
account designated by the Borrower in one lump sum within three (3) days from the date of execution of the agreement.


 


2.
The borrower shall repay the total principal in lump-sum to the account designated by the lender before the loan becomes due.


 


Article 4: Natures of the Loan


 


Both parties confirm that the
funds used for borrowing are provided by the nature of borrowing rather than capital contributions or capital payments.


 


Article 5: Obligations


 


I. Borrower’s
Obligations


 


1. The loan shall only be used
for the purposes provided in the loan agreement, and may not be used for other purposes or illegal activities.


 


2. The Borrower shall repay
to the Lender the outstanding amount of the loan in lump-sum according to the term agreed upon.


 






    11


     


    

 


II. Lender Obligations


 


1. Lender shall make full payments
of the loan to the Borrower’s account according to the agreed-upon schedule.


 


2. Lender shall keep confidential
of the debts, financials, production, operation and any commercial information related to the Borrower to the third party.


 


Article 6: Dispute resolutions


 


All parties shall settle disputes
arising from the performance of this Agreement through friendly negotiation; If negotiation falls apart, either party has the right
to bring a lawsuit to the court where the Company is registered.


 


Article 7: Others


 


If there are any matters not
covered in this Agreement, both parties shall negotiate together to make written supplementary arrangements, which should have
the same effect as this Agreement.


 


Party A: United Time Technology Co., Ltd.
[Seal to be affixed]


Legal Representative: Minfei Bao


 


	Party B (Shareholder):	/s/ Minfei Bao	 
	 	Minfei Bao	 


 


Date: May 6, 2020


 


 


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