EX-10.21





 Exhibit 10.21 

Exclusive Asset Option Agreement 
 This
Exclusive Asset Option Agreement (this “Agreement”) is executed by and among the following Parties on November 21, 2018 in Shanghai: 

Lufax Holding (Shenzhen) Technology Service Co., Ltd., a limited liability company organized and existing under the laws of PRC, with its address at
Room A201, No.1, Qianwan Yi Road, Qianhai Shenzhen-Hongkong Modern Service Industry Cooperation Zone, Shenzhen (settled in Shenzhen Qianhai Business Secretary Co., Ltd.) (“Party A”). The
equity interests of Party A is indirectly held by Lufax Holding Ltd (“Ultimate Controlling Shareholder”), an exempted company with limited liabilities in the Cayman Islands. 

Shenzhen Pingan Financial Technology Consultation Company, a limited liability company organized and existing under the laws of PRC, with its address
at the fourth floor, Bagualingbaguasan Road, Futian District, Shenzhen (“Pingan Jinke”). 
 Shanghai Lanbang Investment Company, a
limited liability company organized and existing under the laws of PRC, with its address at 1002N, No. 2277 Longyang Road, Pudong New District, Shanghai (“Shanghai Lanbang”). 

Xinjiang Tongjun Equity Investment Limited Partnership, a limited partnership organized and existing under the laws of PRC, with its address at
No. 46, Floor 4, No.21 Xiamen Road, Economic and technological Development District Urumchi, Xinjiang (“Xinjiang Tongjun”). 

Linzhi Jinsheng Investment Management Limited Partnership, a limited partnership organized and existing under the laws of PRC, with its address at 3-301, Price Bureau, Gongbujiangda County, Linzhi District, Tibet (“Linzhi Jinsheng”, Pingan Jinke, Shanghai Lanbang, Xinjiang Tongjun, and Linzhi Jinsheng, collectively as the “Direct
Shareholder” or “Party B”). 
 Shenzhen Lufax Holding Enterprise Management Co., Ltd., a limited liability company
organized and existing under the laws of PRC, with its address at Room A201, No.1, Qianwan Yi Road, Qianhai Shenzhen-Hongkong Modern Service Industry Cooperation Zone, Shenzhen (settled in Shenzhen Qianhai
Business Secretary Co., Ltd.) (“Party C” or the “OPCO”). 
 Yang Xuelian, a Chinese citizen, ID card number is
[***]. 
 Shi Jingkui, a Chinese citizen, ID card number is [***]. 

Wang Wenjun, a Chinese citizen, ID card number is [***]. 

Dou Wenwei, a Chinese citizen, ID card number is [***]. 

(Yang Xuelian, Shi Jingkui, Wang Wenjun, and Dou Wenwei, collectively as the “Individual Shareholders”; the Individual Shareholders and the
Direct Shareholders, together as the “Shareholders”.) 












 In this Agreement, above shall be referred to as a “Party” respectively, and they shall be
collectively referred to as the “Parties”. 
 Whereas: 

The Direct Shareholders are the registered shareholders of Party C, and collectively hold 100% of the assets of Party C. 

Party C intends to grant Party A an irrevocable and exclusive right to purchase all the assets then held by Party C; 

The Individual Shareholders each executed an individual shareholder’s undertaking (the “Individual Shareholder Undertaking”) in writing
in relation to this Agreement and the rights and interests indirectly held by him/her in the OPCO to the board of directors of the Ultimate Controlling Shareholder on the date of this Agreement; and 

The Shareholders agree to render all necessary cooperation to the exercise of the Assets Purchase Option (as defined below) by Party A. 

Now therefore, upon mutual discussion and negotiation, the Parties have reached the following agreement: 

 

	1.	 Sale and Purchase of Assets 



 

	1.1	 Option Granted 


  

	 	1.1.1	 Party C hereby irrevocably and unconditionally grants Party A an irrevocable and exclusive right to purchase,
or designate one or more persons (each, a “Designee”) to purchase the assets then held by Party C once or at multiple times at any time in part or in whole at Party A’s sole and absolute discretion to the extent permitted by
Chinese laws and at the price described in Section 1.3 herein (such right being the “Assets Purchase Option”). Subject to the terms and conditions of this Agreement and to the extent permitted by PRC laws and regulations, Party
A shall be entitled to absolute discretion over the time, manner and times to exercise the Option. Except for Party A and the Designee(s), no other person shall be entitled to the Assets Purchase Option or other rights with respect to the assets of
Party C. The term “person” as used herein shall refer to individuals, corporations, partnerships, partners, enterprises, trusts or non-corporate organizations. 



 

	 	1.1.2	 The Shareholders and OPCO hereby agree and confirm on Party C’s grant of the Assets Purchase Option to
Party A in accordance with Clause 1.1.1 of this Agreement and undertake to take all necessary actions to procure Party C to perform all of its obligations under this Agreement, including but not limited to, passing and voting in favour of any
shareholders’ or board resolution that is required for Party C to transfer any Assets of Party C to Party A or a Designee or to perform any other obligations under this Agreement. 



  
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	1.2	 Steps for Exercise of Assets Purchase Option 



Subject to the provisions of the laws and regulations of China, Party A may exercise the Assets Purchase Option by issuing a written notice to
Party C (the “Assets Purchase Option Notice”), specifying: (a) Party A’s decision to exercise the Assets Purchase Option; (b) the portion of assets to be purchased from Party C (the “Optioned
Assets”); and (c) the date for purchasing the Optioned Assets and/or the date for transfer of the Optioned Assets. 
  

	1.3	 Assets Purchase Price and Its Payment 



Unless an appraisal is required by the laws of China applicable to the Assets Purchase Option when exercised by Party A, the purchase price of
the Optioned Assets (the “Assets Purchase Price”) shall be the higher of the net book value of the Optioned Assets and the lowest price permitted under PRC law. After necessary withholding and paying of tax monies according to the
applicable laws of China (if applicable), the Assets Purchase Price will be wired by Party A in RMB currency at spot exchange rate to the bank account(s) designated by Party C within two months after the Optioned Assets are officially transferred to
Party A and Party A executes the relevant asset receipt note. The Assets Purchase Price shall be returned in full to Party A or its designee(s) within one month upon Party C’s receipt of it. 

 

	1.4	 Transfer of Optioned Assets 



For each exercise of the Assets Purchase Option: 
  

	 	1.4.1	 The Direct Shareholders shall promptly convene a shareholder’s meeting of Party C, at which a resolution
shall be adopted approving Party C’s transfer of the Optioned Assets to Party A and/or the Designee(s). The Shareholders shall take all necessary actions to procure such shareholder’s resolution to be passed; 



 

	 	1.4.2	 Party C shall execute an asset transfer agreement (in the form set out in the Appendix hereto) with respect to
each transfer with Party A and/or each Designee (whichever is applicable), in accordance with the provisions of this Agreement and the Assets Purchase Option Notice regarding the Optioned Assets; 



 

	 	1.4.3	 The Shareholders and Party C shall execute all other necessary contracts, agreements or documents, obtain or
assist Party A to obtain all necessary government licenses, permits and registrations (if applicable) and take all necessary actions to transfer valid ownership of the Optioned Assets to Party A and/or the Designee(s), unencumbered by any security
interests, and cause Party A and/or the Designee(s) to become the registered owner(s) of the Optioned Assets (if applicable). For the purpose of this Section and this Agreement, “security interests” shall include securities, mortgages,
third party’s rights or interests, any acquisition right, right of first refusal, right to offset, ownership retention or other security arrangements, but shall be deemed to exclude any security interest arising from this Agreement.




  
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	2.	 Covenants 



 

	2.1	 Covenants regarding Shareholders and Party C 



The Shareholders and Party C hereby jointly and severally covenant as follows: 

 

	 	2.1.1	 Without the prior written consent of Party A, they shall not in any manner supplement, change or amend the
articles of association and bylaws of Party C, increase or decrease its registered capital, or change its structure of registered capital in other manners; 


  

	 	2.1.2	 They shall maintain Party C’s corporate existence in accordance with good financial and business standards
and practices by prudently and effectively operating its business and handling its affairs, and to cause Party C to perform its obligations under the Exclusive Business Cooperation Agreement; “Exclusive Business Cooperation
Agreement” in this Section and this Agreement refers to the exclusive business cooperation agreement executed by Party A and Party C on the execution date of this Agreement, under which Party A provides relevant business support, technical
and consulting service to Party C; 


  

	 	2.1.3	 Without the prior written consent of Party A, they shall not at any time following the date hereof, sell,
transfer, mortgage or dispose of in any manner any assets of Party C or legal or beneficial interest in the business or revenue of Party C, or allow the encumbrance thereon of any security interest, other than financial service transactions
conducted by the OPCO in its ordinary course of business; 


  

	 	2.1.4	 Without the prior written consent of Party A, Party C shall not incur, inherit, guarantee or suffer the
existence of any debt, except for (i) debts incurred in the ordinary course of business other than through loans; and (ii) debts disclosed to Party A for which Party A’s written consent has been obtained; 



 

	 	2.1.5	 They shall always operate all of Party C’s assets during the ordinary course of business to maintain the
asset value of Party C and refrain from any action/omission that may affect Party C’s asset value; 


  

	 	2.1.6	 They shall provide Party A with information on the status and value of Party C’s assets at Party A’s
request; 


  

	 	2.1.7	 Without the prior written consent of Party A, they shall not cause Party C to execute any material contract
(for purpose of this subsection, a contract with a value exceeding RMB 100,000 shall be deemed a material contract), except the contracts in the ordinary course of business; 



 

	 	2.1.8	 Without the prior written consent of Party A, they shall not cause Party C to provide any person with any loan
or credit or guarantee in any form, other than financial service transactions conducted by the OPCO in its ordinary course of business; 



  
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	 	2.1.9	 If requested by Party A, they shall procure and maintain insurance in respect of Party C’s assets from an
insurance carrier acceptable to Party A, at an amount and type of coverage typical for companies that operate the businesses similar to those operated by Party C; 



 

	 	2.1.10	 Without the prior written consent of Party A, they shall not cause or permit Party C to merge, consolidate
with, acquire or invest in any person, and/or cause or permit Party C to sell assets with a value higher than RMB 100,000 (other than financial service transactions conducted by the OPCO in its ordinary course of business); 



 

	 	2.1.11	 They shall immediately notify Party A of the occurrence or possible occurrence of any litigation, arbitration
or administrative proceedings relating to Party C’s assets, business or revenue and any circumstances that may adversely affect Party C’s existence, business operation, financials, assets or goodwill, and shall promptly take all actions
acceptable by Party A to exclude such adverse circumstances or take effective remedies therefor; 


  

	 	2.1.12	 To maintain the ownership by Party C of all of its assets, they shall execute all necessary or appropriate
documents, take all necessary or appropriate actions and file all necessary or appropriate complaints or raise necessary and appropriate defences against all claims; 



 

	 	2.1.13	 Without the prior written consent of Party A, they shall ensure that Party C shall not in any manner distribute
dividends to its shareholders, provided that upon Party A’s written request, Party C shall immediately distribute all distributable profits to its shareholders; 



 

	 	2.1.14	 At the request of Party A, they shall appoint any persons designated by Party A as directors of Party C or
replace any existing director(s) of Party C; and 


  

	 	2.1.15	 If Party C or any of the Shareholders fails to fulfil any tax obligation applicable to it pursuant to the
relevant laws and regulations and such failure prevents Party A form exercising its Assets Purchase Option, Party A shall have the right to demand Party C or the Relevant Shareholder to fulfil its tax obligation, or request Party C or the Relevant
Shareholder to pay such amount to Party A for Party A to make the tax payment on its behalf. 


  

	2.2	 Covenants by Shareholders 



The Shareholders hereby jointly and severally covenant as follows: 
  

	 	2.2.1	 The Shareholders shall cause the shareholders’ meeting or the board of directors of Party C to vote their
approval of the transfer of the Optioned Assets as set forth in this Agreement and to take any and all other actions that may be requested by Party A. 


  

	 	2.2.2	 Without Prior written consent by Party A, Party B shall not put forward, or vote in favour of, any shareholder
resolution to, or otherwise request the OPCO to, issue any dividends or other distributions with respect to its equity interest in the OPCO; provided, however, in the event that Party B receives any profit, distribution or dividend from the OPCO,
Party B shall, as permitted under the laws of PRC, immediately pay or transfer such profit, distribution or dividend to Party A or to any party designated by Party A as service fees under the Exclusive Business Cooperation Agreement payable by the
OPCO to Party A unless Party A otherwise decides. 



  
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	 	2.2.3	 The Shareholders shall strictly abide by the provisions of this Agreement and other contracts jointly or
separately executed by and among the Shareholders, Party C and Party A, perform the obligations hereunder and thereunder, and refrain from any action/omission that may affect the effectiveness and enforceability thereof. 



 

	 	2.2.4	 The Shareholders shall cause the Direct Shareholders or the board of directors of Party C to vote against any
resolution intending to proceed with any matter requiring Party A’s prior written consent according to this Agreement without such written consent being obtained from Party A. 



 

	3.	 Representations and Warranties 



Shareholders and Party C hereby represent and warrant to Party A, jointly and severally, as of the date of this Agreement and each date of
transfer of the Optioned Assets, that: 
  

	3.1	 They have the authority to execute and deliver this Agreement and any asset transfer agreement with respect to
the Optioned Assets to which they are a party (each, a “Transfer Agreement”), and to perform their obligations under this Agreement and any Transfer Agreement. Party C agrees to enter into Transfer Agreements consistent with the
terms of the Appendix of this Agreement upon Party A’s exercise of the Assets Purchase Option. This Agreement and the Transfer Agreements to which they are a party constitute or will constitute their legal, valid and binding obligations and
shall be enforceable against them in accordance with the provisions thereof; 


  

	3.2	 The execution and delivery of this Agreement or any Transfer Agreement and the obligations under this Agreement
or any Transfer Agreement shall not: (i) cause any violation of any applicable laws of China; (ii) be inconsistent with the articles of association, bylaws or other organizational documents of Party C; (iii) cause the violation of any
contracts or instruments to which they are a party or which are binding on them, or constitute any breach under any contracts or instruments to which they are a party or which are binding on them; (iv) cause any violation of any condition for
the grant and/or continued effectiveness of any licenses or permits issued to either of them; or (v) cause the suspension or revocation of or imposition of additional conditions to any licenses or permits issued to either of them;



  

	3.3	 Party C has a good and merchantable title to all of its assets, and except for this Agreement, Party C has not
placed any security interest on the aforementioned assets; 



  
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	3.4	 Party C does not have any outstanding debts, except for (i) debt incurred in the ordinary course of
business; and (ii) debts disclosed to Party A for which Party A’s written consent has been obtained; 


  

	3.5	 Party C has complied with all laws and regulations of China; and 



 

	3.6	 There are no pending or threatened litigation, arbitration or administrative proceedings relating to the assets
of Party C or Party C. 


  

	3.7	 (i) The inheritor of any Individual Shareholder or (ii) the individual or legal person designated by Party
A pursuant to the Individual Shareholder Undertaking executed by the relevant Individual Shareholder (the “Designated Transferee”) shall undertake any and all the rights and obligations of the relevant Individual Shareholder under
this Agreement as a result of his/her death, incapacitation or any other circumstances which could affect his/her holding or exercising his/her equity interests in Party B and Party C, as if the inheritor were a signing party to this Agreement.
Under the circumstance of an inheritance or share transfer pursuant to the relevant Individual Shareholder Undertaking, the Shareholders shall complete all necessary procedures and take all necessary actions to procure the required government
approval (if applicable) being obtained for such share transfer. 


  

	4.	 Effectiveness and Term 



This Agreement is executed on the date first above written and shall take effect as of such date. Unless terminated early in accordance with
the provisions of this Agreement or relevant agreements separately executed among the Parties, the term of this Agreement shall be 10 years. Upon the expiration of the term, unless Party A determines not to extend the term and notifies Party B and
Party C in writing of such determination within 30 days prior to the expiration of the term, the term shall be extended for unlimited times, with an extended term of 5 years each time. 

 

	5.	 Liability for Breach of Agreement 



 

	5.1	 Except as otherwise provided herein, if a Party (“Breaching Party”) fails to perform any of
its obligations under this Agreement or breaches this Agreement in any other way, the other Party (“Aggrieved Party”) has the option to: (a) give written notice to the Breaching Party describing the nature and scope of the
breach and demand that the breaching party cure the breach at its cost within a reasonable time specified in the notice (“Cure Period”); and (b) if the Breaching Party fails to cure the breach within the Cure Period, the
Aggrieved Party shall have the right to demand that the Breaching Party bear all the liabilities resulted from the breach and compensate the Aggrieved Party for all actual economic losses arising here from. The losses include, without limitation,
attorney fees and expenses of litigation or arbitration related to the breach. The Aggrieved Party shall have the right to demand the Breaching Party to fulfil its obligations under this Agreement. The Aggrieved Party shall also have the right to
apply to the related arbitration agency or court for specific performance or compulsory execution of provisions under this Agreement. The exercise of aforesaid rights will not affect other remedial rights based on this Agreement or law.




  
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	5.2	 With respect to the obligations under this Agreement, the OPCO and the Shareholders shall undertake joint and
several liabilities. 


  

	5.3	 Unless where the law clearly states otherwise, neither Shareholders nor the OPCO have the right to terminate
this Agreement due to Party A’s breach of this Agreement. 


  

	6.	 Governing Law, Resolution of Disputes and Change in Laws 



 

	6.1	 The execution, effectiveness, construction, performance, amendment and termination of this Agreement and the
resolution of disputes hereunder shall be governed by the formally published and publicly available laws of China. Matters not covered by formally published and publicly available laws of China shall be governed by international legal principles and
practices. 


  

	6.2	 In the event of any dispute with respect to the construction and performance of this Agreement, the Parties
shall first resolve the dispute through friendly negotiations. In the event the Parties fail to reach an agreement on the dispute within 30 days after either Party’s request to the other Parties for resolution of the dispute through
negotiations, either Party may submit the relevant dispute to the China International Economic and Trade Arbitration Commission (“CIETAC”) for arbitration, in accordance with its then effective arbitration rules. The arbitration
shall be conducted in Shanghai, and the language used in arbitration shall be Chinese. The arbitration award shall be final and binding on all Parties. 


  

	6.3	 Upon the occurrence of any disputes arising from the construction and performance of this Agreement or during
the pending arbitration of any dispute, except for the matters under dispute, the Parties to this Agreement shall continue to exercise their respective rights under this Agreement and perform their respective obligations under this Agreement.



  

	6.4	 In case of promulgation or any change to or in any Chinese law, regulation or rule, or any change to or in the
interpretation or application of the same anytime after execution of this Agreement, the following agreement shall apply: (a) if any Party would enjoy more benefits under any changed or new law than under the relevant law, regulation or rule in
effect at the date of this Agreement, without any material adverse effect upon the other Parties, the Parties shall promptly apply for such benefits brought by the changed or new law. The Parties shall make best efforts to procure the approval of
such application; and (b) if the aforementioned law change or promulgation causes any direct or indirect material adverse effect to either Party, all Parties shall try all lawful means to procure exemption from compliance with such changed or
new law provisions and use their best efforts to implement this Agreement in accordance with its original terms and conditions. In the event such adverse effect on the economic interest of either Party is unable to be resolved pursuant to this
Agreement, the affected Party may give notice to the other Parties, and the Parties shall hold prompt discussion and make all necessary amendments to this Agreement so as to maintain the economic benefits otherwise enjoyed by the affected Party to
the extent permitted under PRC laws. 


  

	6.5	 Subject to PRC laws, the arbitration tribunal may award remedies over the shares or land assets of the Parties,
injunctive relief (including but not limited to matters of business or compel the transfer of assets) or award the winding-up of Parties. Any party shall have the right to apply for enforcement of arbitration
awards to the court with jurisdiction after the arbitration awards come into force. Subject to PRC laws, at the request of a disputing party, the court of competent jurisdictions shall have the power to grant interim remedies in support of the
arbitration pending formation of the arbitral tribunal or in appropriate cases permitted by laws as the property preservation or enforcement measures. Subject to PRC laws, the courts of (i) Hong Kong, (ii) the Cayman Islands,
(iii) the place of incorporation of OPCO (i.e. Shenzhen, PRC); and (iv) the place(s) where the Ultimate Controlling Shareholder or OPCO’s principal assets are located shall have jurisdiction for the aforesaid purpose.




  
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	7.	 Taxes and Fees 



Each Party shall pay any and all transfer and registration tax, expenses and fees incurred thereby or levied thereon in accordance with the
laws of China in connection with the preparation and execution of this Agreement and the Transfer Agreements, as well as the consummation of the transactions contemplated under this Agreement and the Transfer Agreements. 

 

	8.	 Notices 



 

	8.1	 All notices and other communications required or permitted to be given pursuant to this Agreement shall be
delivered personally or sent by registered mail, postage prepaid, by a commercial courier service or by facsimile transmission to the address of such Party set forth below. A confirmation copy of each notice shall also be sent by email. The dates on
which notices shall be deemed to have been effectively given shall be determined as follows: 


  

	 	8.1.1	 Notices given by personal delivery, by courier service or by registered mail, postage prepaid, shall be deemed
effectively given on the date of delivery or refusal at the address specified for notices. 


  

	 	8.1.2	 Notices given by facsimile transmission shall be deemed effectively given on the date of successful
transmission (as evidenced by an automatically generated confirmation of transmission). 


  

	8.2	 For the purpose of notices, the addresses of the Parties are as follows: 



 

			
	Company:	  	Lufax Holding (Shenzhen) Technology Service Co., Ltd.
	Address:	  	[***]
	Attn:	  	[***]
		
	Company:	  	Shenzhen Lufax Holding Enterprise Management Co., Ltd.
	Address:	  	[***]
	Attn:	  	[***]


  
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	Company:	  	Shenzhen Pingan Financial Technology Consultation Company
	Address:	  	[***]
	Attn:	  	[***]
		
	Company:	  	Shanghai Lanbang Investment Company
	Address:	  	[***]
	Attn:	  	[***]
		
	Company:	  	Xinjiang Tongjun Equity Investment Limited Partnership
	Address:	  	[***]
	Attn:	  	[***]
		
	Company:	  	LinzhiJinsheng Investment Management Limited Partnership
	Address:	  	[***]
	Attn:	  	[***]
		
	Name:	  	Yang Xuelian
	Address:	  	[***]
		
	Name:	  	Shi Jingkui
	Address:	  	[***]
		
	Name:	  	Wang Wenjun
	Address:	  	[***]
		
	Name:	  	Dou Wenwei
	Address:	  	[***]

  

	8.3	 Any Party may at any time change its address for notices by a notice delivered to the other Parties in
accordance with the terms hereof. 


  

	9.	 Confidentiality 



The Parties acknowledge that any oral or written information exchanged among them with respect to this Agreement is confidential information.
Each Party shall maintain the confidentiality of all such information, and without obtaining the written consent of other Parties, it shall not disclose any relevant information to any third parties, except in the following circumstances:
(a) such information is or will be in the public domain (provided that this is not the result of a public disclosure by the receiving Party); (b) information disclosed as required by applicable laws or rules or regulations of any stock
exchange; or (c) information required to be disclosed by any Party to its legal counsel or financial advisor regarding the transaction contemplated hereunder, and such legal counsel or financial advisor are also bound by confidentiality duties
similar to the duties in this Section. Disclosure of any confidential information by the staff members or agency hired by any Party shall be deemed disclosure of such confidential information by such Party, which Party shall be held liable for
breach of this Agreement. This Section shall survive the termination of this Agreement for any reason. 

  
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	10.	 Further Warranties 



The Parties agree to promptly execute documents that are reasonably required for or are conducive to the implementation of the provisions and
purposes of this Agreement and take further actions that are reasonably required for or are conducive to the implementation of the provisions and purposes of this Agreement. 
  

	11.	 Miscellaneous 



 

	11.1	 Amendment, Change and Supplement 



 

	 	11.1.1	 Any amendment, change and supplement to this Agreement shall require the execution of a written agreement by
all of the Parties. 


  

	 	11.1.2	 If the Stock Exchange of Hong Kong Limited (“SEHK”) or any other relevant regulatory authority
or stock exchange requests any amendment to this Agreement or if there is any change to the Rules Governing the Listing of Securities on the SEHK or any other relevant stock exchange rules that is relevant to the terms of this Agreement, the Parties
shall make corresponding changes to the terms of this Agreement. 


  

	11.2	 Entire agreement 



Except for the amendments, supplements or changes in writing executed after the execution of this Agreement, this Agreement shall constitute
the entire agreement reached by and among the Parties hereto with respect to the subject matter hereof, and shall supersede all prior oral and written consultations, representations and contracts reached with respect to the subject matter of this
Agreement. The Appendix of this Agreement constitutes a part hereof, and has the same legal effects as this Agreement. 
  

	11.3	 Headings 



The headings of this Agreement are for convenience only, and shall not be used to interpret, explain or otherwise affect the meanings of the
provisions of this Agreement. 
  

	11.4	 Language 



This Agreement is written in Chinese and the English translation is for reference only. In case there is any inconsistency between the Chinese
version and the English version, the Chinese version shall prevail. This Agreement shall be executed in 15 counterparts, with each Party having one original and Party B having the others; each counterpart has equal legal validity. 

 

	11.5	 Severability 



In the event that one or several of the provisions of this Agreement are found to be invalid, illegal or unenforceable in any aspect in
accordance with any laws or regulations, the validity, legality or enforceability of the remaining provisions of this Agreement shall not be affected or compromised in any respect. The Parties shall strive in good faith to replace such invalid,
illegal or unenforceable provisions with effective provisions that accomplish to the greatest extent permitted by law and the intentions of the Parties, and the economic effect of such effective provisions shall be as close as possible to the
economic effect of those invalid, illegal or unenforceable provisions. 

  
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	11.6	 Successors 



This Agreement shall be binding on the respective successors of the Parties and the permitted assignees of such Parties. 

 

	11.7	 Survival 


  

	 	11.7.1	 Any obligations that occur or that are due as a result of this Agreement upon the expiration or early
termination of this Agreement shall survive the expiration or early termination thereof. 


  

	 	11.7.2	 The provisions of Sections 6, 8 and this Section 11.7 shall survive the termination of this Agreement.



  

	11.8	 Assignment 



Without Party A’s prior written consent, OPCO shall not assign its rights and obligations under this Agreement to any third party. 

The Shareholders and the OPCO agree that Party A may assign its obligations and rights under this Agreement to any third party upon a prior
written notice to Party C but without the consent of any Shareholder or the OPCO. 
  

	11.9	 Waivers 



Any Party may waive the terms and conditions of this Agreement, provided that such a waiver must be provided in writing and shall require the
signatures of the Parties. No waiver by any Party in certain circumstances with respect to a breach by other Parties shall operate as a waiver by such a Party with respect to any similar breach in other circumstances. 

[The space below is intentionally left blank.] 

  
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 IN WITNESS WHEREOF, the Parties have caused their authorized representatives to execute this Exclusive Asset
Option Agreement as of the date first above written. 
  

			
	Lufax Holding (Shenzhen) Technology Services Co., Ltd
		
	By:	 	 /s/ GREGORY DEAN GIBB

		 	Name: GREGORY DEAN GIBB
		 	Title:   Legal Representative



  
 SIGNATURE PAGE TO
EXCLUSIVE ASSET OPTION AGREEMENT 













 IN WITNESS WHEREOF, the Parties have caused their authorized representatives to execute this Share Pledge
Agreement as of the date first above written. 
  

			
	Shenzhen Lufax Holding Enterprise Management Co., Ltd.
		
	By:	 	 /s/ Li Renjie

		 	Name: Li Renjie
		 	Title:   Legal Representative



  
 SIGNATURE PAGE TO SHARE
PLEDGE AGREEMENT 













 IN WITNESS WHEREOF, the Parties have caused their authorized representatives to execute this Exclusive Asset
Option Agreement as of the date first above written. 
  

			
	Shenzhen Pingan Financial Technology Consultation Company
		
	By:	 	 /s/ Zhou Tingyuan

		 	Name: Zhou Tingyuan
		 	Title:   Legal Representative



  
 SIGNATURE PAGE TO
EXCLUSIVE ASSET OPTION AGREEMENT 













 IN WITNESS WHEREOF, the Parties have caused their authorized representatives to execute this Exclusive Asset
Option Agreement as of the date first above written. 
  

			
	Shanghai Lanbang Investment Company
		
	By:	 	 /s/ Shi Jingkui

		 	Name: Shi Jingkui
		 	Title:   Legal Representative



  
 SIGNATURE PAGE TO
EXCLUSIVE ASSET OPTION AGREEMENT 













 IN WITNESS WHEREOF, the Parties have caused their authorized representatives to execute this Exclusive Asset
Option Agreement as of the date first above written. 
  

			
	Xinjiang Tongjun Equity Investment Limited Partnership
		
	By:	 	 /s/ Dou Wenwei

		 	Name: Dou Wenwei
		 	Title:   Managing Partner



  
 SIGNATURE PAGE TO
EXCLUSIVE ASSET OPTION AGREEMENT 













 IN WITNESS WHEREOF, the Parties have caused their authorized representatives to execute this Exclusive Asset
Option Agreement as of the date first above written. 
  

			
	Linzhi Jinsheng Investment Management Limited Partnership
		
	By:	 	 /s/ Yang Xuelian

		 	Name: Yang Xuelian
		 	Title:   Managing Partner



  
 SIGNATURE PAGE TO
EXCLUSIVE ASSET OPTION AGREEMENT 













 IN WITNESS WHEREOF, the Parties have caused their authorized representatives to execute this Exclusive Asset
Option Agreement as of the date first above written. 
  

			
	Yang Xuelian
		
	By:	 	 /s/ Yang Xuelian




  
 SIGNATURE PAGE TO
EXCLUSIVE ASSET OPTION AGREEMENT 













 IN WITNESS WHEREOF, the Parties have caused their authorized representatives to execute this Exclusive Asset
Option Agreement as of the date first above written. 
  

			
	Shi Jingkui
		
	By:	 	 /s/ Shi Jingkui




  
 SIGNATURE PAGE TO
EXCLUSIVE ASSET OPTION AGREEMENT 













 IN WITNESS WHEREOF, the parties have caused their authorized representatives to execute this Exclusive Asset
Option Agreement as of the date first above written. 
  

			
	Dou Wenwei
		
	By:	 	 /s/ Dou Wenwei




  
 SIGNATURE PAGE TO
EXCLUSIVE ASSET OPTION AGREEMENT 













 IN WITNESS WHEREOF, the Parties have caused their authorized representatives to execute this Exclusive Asset
Option Agreement as of the date first above written. 
  

			
	Wang Wenjun
		
	By:	 	 /s/ Wang Wenjun




  
 SIGNATURE PAGE TO
EXCLUSIVE ASSET OPTION AGREEMENT 













 Appendix 

Form of Asset Transfer Agreement