Document:

EX-10.13

 Exhibit 10.13 

MEILI AUTO HOLDINGS LIMITED 

SHARE INCENTIVE PLAN 

ARTICLE 1 
 PURPOSE

 The purpose of the MEILI AUTO HOLDINGS LIMITED Share Incentive Plan (the “Plan”) is to promote the success and
enhance the value of MEILI AUTO HOLDINGS LIMITED, an exempted company incorporated under the laws of the Cayman Islands (the “Company”) by linking the personal interests of the members of the Board, Employees, and Consultants to
those of Company shareholders and by providing such individuals with an incentive for outstanding performance to generate superior returns to Company shareholders. The Plan is further intended to provide flexibility to the Company in its ability to
motivate, attract, and retain the services of members of the Board, Employees, and Consultants upon whose judgment, interest, and special effort the successful conduct of the Company’s operation is largely dependent. 

ARTICLE 2 
 DEFINITIONS
AND CONSTRUCTION 
 Wherever the following terms are used in the Plan they shall have the meanings specified below, unless the context
clearly indicates otherwise. The singular pronoun shall include the plural where the context so indicates. 
 2.1    
“Applicable Laws” means the legal requirements relating to the Plan and the Awards under applicable provisions of the corporate, securities, tax and other laws, rules, regulations and government orders, and the rules of any
applicable stock exchange or national market system, of any jurisdiction applicable to Awards granted to residents therein. 

2.2    “Award” means an Option award granted to a Participant pursuant to the Plan. 

2.3    “Award Agreement” means any written agreement, contract, or other instrument or document
evidencing an Award, including through electronic medium. 
 2.4    “Board” means the Board of
Directors of the Company. 
 2.5    “CEO” mean the chief executive officer of the Company. 

2.6     “Change of Control” means a change in ownership or control of the Company after the
Registration Date effected through either of the following transactions: 
 (a)    the direct or indirect acquisition by
any person or related group of persons (other than an acquisition from or by the Company or by a Company-sponsored employee benefit plan or by a person that directly or indirectly controls, is controlled by, or is under common control with, the
Company) of beneficial ownership (within the meaning of Rule 13d-3 of the Exchange Act) of securities possessing more than fifty percent (50%) of the total combined voting power of the Company’s
outstanding securities pursuant to a tender or exchange offer made directly to the Company’s shareholders which a majority of the Incumbent Board (as defined below) who are not affiliates or associates of the offeror under Rule 12b-2 promulgated under the Exchange Act do not recommend such shareholders accept, or 

 (b)    the individuals who, as of the Effective Date, are members of the
Board (the “Incumbent Board”), cease for any reason to constitute at least fifty percent (50%) of the Board; provided that if the election, or nomination for election by the Company’s shareholders, of any new member of the Board is
approved by a vote of at least fifty percent (50%) of the Incumbent Board, such new member of the Board shall be considered as a member of the Incumbent Board. 

2.7    “Code” means the Internal Revenue Code of 1986 of the United States, as amended. 

2.8    “Committee” means the committee of the Board described in Article 8. 

2.9    “Consultant” means any consultant or adviser if: (a) the consultant or adviser renders bona
fide services to a Service Recipient; (b) the services rendered by the consultant or adviser are not in connection with the offer or sale of securities in a capital-raising transaction and do not directly or indirectly promote or maintain a
market for the Company’s securities; and (c) the consultant or adviser is a natural person who has contracted directly with the Service Recipient to render such services. 

2.10     “Corporate Transaction” means any of the following transactions, provided, however, that the
Committee or the CEO shall determine under (d) and (e) whether multiple transactions are related, and its determination shall be final, binding and conclusive: 

(a)    an amalgamation, arrangement or consolidation or scheme of arrangement in which the Company is not the surviving
entity, except for a transaction the principal purpose of which is to change the jurisdiction in which the Company is incorporated; 

(b)    the sale, transfer or other disposition of all or substantially all of the assets of the Company; 

(c)    the complete liquidation or dissolution of the Company; 

(d)    any reverse takeover or series of related transactions culminating in a reverse takeover (including, but not
limited to, a tender offer followed by a reverse takeover) in which the Company is the surviving entity but (A) the Ordinary Shares outstanding immediately prior to such takeover are converted or exchanged by virtue of the takeover into other
property, whether in the form of securities, cash or otherwise, or (B) in which securities possessing more than fifty percent (50%) of the total combined voting power of the Company’s outstanding securities are transferred to a person or
persons different from those who held such securities immediately prior to such takeover or the initial transaction culminating in such takeover, but excluding any such transaction or series of related transactions that the Committee or the CEO
determines shall not be a Corporate Transaction; or 

  
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 (e)    acquisition in a single or series of related transactions by any
person or related group of persons (other than the Company or by a Company-sponsored employee benefit plan) of beneficial ownership (within the meaning of Rule 13d-3 of the Exchange Act) of securities
possessing more than fifty percent (50%) of the total combined voting power of the Company’s outstanding securities but excluding any such transaction or series of related transactions that the Committee or the CEO determines shall not be a
Corporate Transaction. 
 2.11    “Disability” means that the Participant qualifies to receive
long-term disability payments under the Service Recipient’s long-term disability insurance program, as it may be amended from time to time, to which the Participant provides services regardless of whether the Participant is covered by such
policy. If the Service Recipient to which the Participant provides service does not have a long-term disability plan in place, “Disability” means that a Participant is unable to carry out the responsibilities and functions of the position
held by the Participant by reason of any medically determinable physical or mental impairment for a period of not less than ninety (90) consecutive days. A Participant will not be considered to have incurred a Disability unless he or she
furnishes proof of such impairment sufficient to satisfy the Committee or the CEO in its discretion. 

2.12    “Effective Date” shall have the meaning set forth in Section 9.1. 

2.13    “Employee” means any person, including an officer or member of the Board of the Company, any
Parent or Subsidiary of the Company, who is in the employ of a Service Recipient, subject to the control and direction of the Service Recipient as to both the work to be performed and the manner and method of performance. The payment of a
director’s fee by a Service Recipient shall not be sufficient to constitute “employment” by the Service Recipient. 

2.14    “Exchange Act” means the Securities Exchange Act of 1934 of the United States, as amended. 

2.15    “Fair Market Value” means, as of any date, the value of Shares determined as follows: 

(a)    If the Shares are listed on one or more established stock exchanges or national market systems, its Fair Market
Value shall be the closing sales price for such shares (or the closing bid, if no sales were reported) as quoted on the principal exchange or system on which the Shares are listed (as determined by the Committee or the CEO) on the date of
determination (or, if no closing sales price or closing bid was reported on that date, as applicable, on the last trading date such closing sales price or closing bid was reported), as reported in The Wall Street Journal or such other source as the
Committee or the CEO deems reliable; 
 (b)    If the Shares are regularly quoted on an automated quotation system
(including the OTC Bulletin Board) or by a recognized securities dealer, its Fair Market Value shall be the closing sales price for such shares as quoted on such system or by such securities dealer on the date of determination, but if selling prices
are not reported, the Fair Market Value of an Ordinary Share shall be the mean between the high bid and low asked prices for the Ordinary Shares on the date of determination (or, if no such prices were reported on that date, on the last date such
prices were reported), as reported in The Wall Street Journal or such other source as the Committee or the CEO deems reliable; or 

  
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 (c)    In the absence of an established market for the Shares of the
type described in (a) and (b), above, the Fair Market Value thereof shall be determined by the Committee or the CEO in good faith and in its discretion by reference to (i) the placing price of the latest private placement of the Shares and
the development of the Company’s business operations and the general economic and market conditions since such latest private placement, (ii) other third party transactions involving Shares and the development of the company’s
business operation and the general economic and market conditions since such sale, (iii) an independent valuation of the Shares, or (iii) such other methodologies or information as the Committee or the CEO determines to be indicative of
Fair Market Value. 
 2.16    “Incentive Share Option” means an Option that is intended to meet the
requirements of Section 422 of the Code or any successor provision thereto. 
 2.17    “Independent
Director” means a member of the Board who is not an Employee of the Company. 
 2.18    “Initial Public
Offering” means the initial offering of the Company’s Ordinary Shares to the public on a reputable share exchange or national market system as approved by the Board. 

2.19    “Non-Employee Director” means a member of the Board who
qualifies as a “Non-Employee Director” as defined in Rule 16b-3(b)(3) of the Exchange Act, or any successor definition adopted by the Board. 

2.20    “Non-Qualified Share Option” means an Option that is not
intended to be an Incentive Share Option. 
 2.21    “Option” means a right granted to a Participant
pursuant to Article 5 of the Plan to purchase a specified number of Shares at a specified price during specified time periods. An Option may be either an Incentive Share Option or a Non-Qualified Share Option.

 2.22    “Participant” means a person who, as a member of the Board, Consultant or Employee, has been
granted an Award pursuant to the Plan. 
 2.23    “Parent” means a parent corporation under
Section 424(e) of the Code. 
 2.24    “Plan” means this MEILI AUTO HOLDINGS LIMITED Share
Incentive Plan, as it may be amended from time to time. 
 2.25    “Related Entity” means any business,
corporation, partnership, limited liability company or other entity in which the Company, a Parent or Subsidiary of the Company holds a substantial ownership interest, directly or indirectly but which is not a Subsidiary and which the Board
designates as a Related Entity for purposes of the Plan. 
 2.26    “Securities Act” means the
Securities Act of 1933 of the United States, as amended. 

  
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 2.27    “Service Recipient” means the Company, any
Parent or Subsidiary of the Company and any Related Entity to which a Participant provides services as an Employee, Consultant or as a Director. 

2.28    “Share” means the ordinary shares of the Company, par value $0.0001 per share, and such other
securities of the Company that may be substituted for Shares pursuant to Article 7. 

2.29    “Subsidiary” means any corporation or other entity of which a majority of the outstanding voting
shares or voting power is beneficially owned directly or indirectly by the Company. 
 2.30    “Trading
Date” means the closing of the first sale to the general public of the Shares pursuant to a registration statement filed with and declared effective by the U.S. Securities and Exchange Commission under the Securities Act. 

ARTICLE 3 
 SHARES
SUBJECT TO THE PLAN 
 3.1    Number of Shares. 

(a)    Subject to the provisions of Article 7 and Section 3.1(b), the maximum aggregate number of Shares which may be
issued pursuant to all Awards (including Incentive Share Options) shall be determined by the Committee or the CEO. 

(b)    To the extent that an Award terminates, expires, or lapses for any reason, any Shares subject to the Award shall
again be available for the grant of an Award pursuant to the Plan. To the extent permitted by Applicable Law, Shares issued in assumption of, or in substitution for, any outstanding awards of any entity acquired in any form of combination by the
Company or any Parent or Subsidiary of the Company shall not be counted against Shares available for grant pursuant to the Plan. Shares delivered by the Participant or withheld by the Company upon the exercise of any Award under the Plan, in payment
of the exercise price thereof or tax withholding thereon, may again be optioned, granted or warded hereunder, subject to the limitations of Section 3.1(a). Notwithstanding the provisions of this Section 3.1(b), no Shares may again be
optioned, granted or awarded if such action would cause an Incentive Share Option to fail to qualify as an incentive Share option under Section 422 of the Code. 

3.2     Shares Distributed. Any Shares distributed pursuant to an Award may consist, in whole or in part, of
authorized and unissued Shares, treasury Shares (subject to applicable law) or Shares purchased on the open market. Additionally, in the discretion of the Committee or the CEO, American Depository Shares in an amount equal to the number of Shares
which otherwise would be distributed pursuant to an Award may be distributed in lieu of Shares in settlement of any Award. If the number of Shares represented by an American Depository Share is other than on a one-to-one basis, the limitations of Section 3.1 shall be adjusted to reflect the distribution of American Depository Shares in lieu of Shares. 

  
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 ARTICLE 4 

ELIGIBILITY AND PARTICIPATION 

4.1     Eligibility. Persons eligible to participate in this Plan are those determined by the Committee or
the CEO, which may include Employees, Consultants, and all members of the Board. 
 4.2     Participation.
Subject to the provisions of the Plan, the Committee or the CEO may, from time to time, select from among all eligible individuals, those to whom Awards shall be granted and shall determine the nature and amount of each Award. No individual shall
have any right to be granted an Award pursuant to this Plan. 
 4.3     Jurisdictions. In order to assure the
viability of Awards granted to Participants employed in various jurisdictions, the Committee or the CEO may provide for such special terms as it may consider necessary or appropriate to accommodate differences in local law, tax policy, or custom
applicable in the jurisdiction in which the Participant resides or is employed. Moreover, the Committee or the CEO may approve such supplements to, or amendments, restatements, or alternative versions of, the Plan as it may consider necessary or
appropriate for such purposes without thereby affecting the terms of the Plan as in effect for any other purpose; provided, however, that no such supplements, amendments, restatements, or alternative versions shall increase the share
limitations contained in Section 3.1 of the Plan. Notwithstanding the foregoing, the Committee or the CEO may not take any actions hereunder, and no Awards shall be granted, that would violate any Applicable Laws. 

ARTICLE 5 
 OPTIONS

 5.1     General. The Committee or the CEO is authorized to grant Options to Participants on the
following terms and conditions: 
 (a)    Exercise Price. The exercise price per Share subject to an Option shall
be determined by the Committee or the CEO and set forth in the Award Agreement which may be a fixed price or a variable price related to the Fair Market Value of the Shares. 

(b)    Time and Conditions of Exercise. The Committee or the CEO shall determine the time or times at which an
Option may be exercised in whole or in part, including exercise prior to vesting; provided that the term of any Option granted under the Plan shall not exceed ten years, except as provided in Section 9.2. The Committee or the CEO shall
also determine any conditions, if any, that must be satisfied before all or part of an Option may be exercised. 

  
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 (c)    Payment. The Committee or the CEO shall determine the
methods by which the exercise price of an Option may be paid, the form of payment, including, without limitation, to the extent permitted by the Applicable Laws, (i) cash or check denominated in U.S. Dollars, (ii) cash or check in Chinese
Renminbi, (iii) cash or check denominated in any other local currency as approved by the Committee or the CEO, (iv) Shares held for such period of time as may be required by the Committee or the CEO in order to avoid adverse financial
accounting consequences and having a Fair Market Value on the date of delivery equal to the aggregate exercise price of the Option or exercised portion thereof, (v) after the Trading Date the delivery of a notice that the Participant has placed
a market sell order with a broker with respect to Shares then issuable upon exercise of the Option, and that the broker has been directed to pay a sufficient portion of the net proceeds of the sale to the Company in satisfaction of the Option
exercise price; provided that payment of such proceeds is then made to the Company upon settlement of such sale), and the methods by which Shares shall be delivered or deemed to be delivered to Participants (vi) other property acceptable
to the Committee or the CEO with a Fair Market Value equal to the exercise price, or (vii) any combination of the foregoing. Notwithstanding any other provision of the Plan to the contrary, no Participant who is a member of the Board or an
“executive officer” of the Company within the meaning of Section 13(k) of the Exchange Act shall be permitted to pay the exercise price of an Option in any method which would violate Section 13(k) of the Exchange Act. 

(d)    Evidence of Grant. All Options shall be evidenced by an Award Agreement between the Company and the
Participant. The Award Agreement shall include such additional provisions as may be specified by the Committee or the CEO. 

5.2     Incentive Share Options. Incentive Share Options may only be granted to Employees of the Company, a
Parent or Subsidiary of the Company. Incentive Share Options may not be granted to Employees of a Related Entity or to Independent Directors or Consultants. The terms of any Incentive Share Options granted pursuant to the Plan, in addition to the
requirements of Section 5.1, must comply with the following additional provisions of this Section 5.2: 

(a)    Expiration of Option. An Incentive Share Option may not be exercised to any extent by anyone after the first
to occur of the following events: 
 (i)    Ten years from the date it is granted, unless an earlier time is set in the
Award Agreement; 
 (ii)    Three months after the Participant’s termination of employment as an Employee; and

 (iii)    One year after the date of the Participant’s termination of employment or service on account of
Disability or death. Upon the Participant’s Disability or death, any Incentive Share Options exercisable at the Participant’s Disability or death may be exercised by the Participant’s legal representative or representatives, by the
person or persons entitled to do so pursuant to the Participant’s last will and testament, or, if the Participant fails to make testamentary disposition of such Incentive Share Option or dies intestate, by the person or persons entitled to
receive the Incentive Share Option pursuant to the applicable laws of descent and distribution. 
 (b)    Individual
Dollar Limitation. The aggregate Fair Market Value (determined as of the time the Option is granted) of all Shares with respect to which Incentive Share Options are first exercisable by a Participant in any calendar year may not exceed $100,000
or such other limitation as imposed by Section 422(d) of the Code, or any successor provision. To the extent that Incentive Share Options are first exercisable by a Participant in excess of such limitation, the excess shall be considered Non-Qualified Share Options. 

  
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 (c)    Ten Percent Owners. An Incentive Share Option shall be
granted to any individual who, at the date of grant, owns Shares possessing more than ten percent of the total combined voting power of all classes of shares of the Company only if such Option is granted at a price that is not less than 110% of Fair
Market Value on the date of grant and the Option is exercisable for no more than five years from the date of grant. 

(d)    Transfer Restriction. The Participant shall give the Company prompt notice of any disposition of Shares
acquired by exercise of an Incentive Share Option within (i) two years from the date of grant of such Incentive Share Option or (ii) one year after the transfer of such Shares to the Participant. 

(e)    Expiration of Incentive Share Options. No Award of an Incentive Share Option may be made pursuant to this
Plan after the tenth anniversary of the Effective Date. 
 (f)    Right to Exercise. During a Participant’s
lifetime, an Incentive Share Option may be exercised only by the Participant. 
 ARTICLE 6 

PROVISIONS APPLICABLE TO AWARDS 

6.1     Award Agreement. Awards under the Plan shall be evidenced by Award Agreements that set forth the terms,
conditions and limitations for each Award which may include the term of an Award, the provisions applicable in the event the Participant’s employment or service terminates, and the Company’s authority to unilaterally or bilaterally amend,
modify, suspend, cancel or rescind an Award. 
 6.2     Limits on Transfer. No right or interest of a Participant
in any Award may be pledged, encumbered, or hypothecated to or in favor of any party other than the Company or a Subsidiary, or shall be subject to any lien, obligation, or liability of such Participant to any other party other than the Company or a
Subsidiary. Except as otherwise provided by the Committee or the CEO, no Award shall be assigned, transferred, or otherwise disposed of by a Participant other than by will or the laws of descent and distribution. The Committee or the CEO by express
provision in the Award or an amendment thereto may permit an Award (other than an Incentive Share Option) to be transferred to, exercised by and paid to certain persons or entities related to the Participant, including but not limited to members of
the Participant’s family, charitable institutions, or trusts or other entities whose beneficiaries or beneficial owners are members of the Participant’s family and/or charitable institutions, or to such other persons or entities as may be
expressly approved by the Committee or the CEO, pursuant to such conditions and procedures as the Committee or the CEO may establish. Any permitted transfer shall be subject to the condition that the Committee or the CEO receive evidence
satisfactory to it that the transfer is being made for estate and/or tax planning purposes (or to a “blind trust” in connection with the Participant’s termination of employment or service with the Company or a Subsidiary to assume a
position with a governmental, charitable, educational or similar non-profit institution) and on a basis consistent with the Company’s lawful issue of securities. 

  
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 6.3     Beneficiaries. Notwithstanding Section 6.2, a
Participant may, in the manner determined by the Committee or the CEO, designate a beneficiary to exercise the rights of the Participant and to receive any distribution with respect to any Award upon the Participant’s death. A beneficiary,
legal guardian, legal representative, or other person claiming any rights pursuant to the Plan is subject to all terms and conditions of the Plan and any Award Agreement applicable to the Participant, except to the extent the Plan and Award
Agreement otherwise provide, and to any additional restrictions deemed necessary or appropriate by the Committee or the CEO. If the Participant is married and resides in a community property state, a designation of a person other than the
Participant’s spouse as his or her beneficiary with respect to more than 50% of the Participant’s interest in the Award shall not be effective without the prior written consent of the Participant’s spouse. If no beneficiary has been
designated or survives the Participant, payment shall be made to the person entitled thereto pursuant to the Participant’s will or the laws of descent and distribution. Subject to the foregoing, a beneficiary designation may be changed or
revoked by a Participant at any time provided the change or revocation is filed with the Committee or the CEO. 

6.4     Share Certificates. Notwithstanding anything herein to the contrary, the Company shall not be required to
issue or deliver any certificates evidencing shares of Share pursuant to the exercise of any Award, unless and until the Board has determined, with advice of counsel, that the issuance and delivery of such certificates is in compliance with all
Applicable Laws, regulations of governmental authorities and, if applicable, the requirements of any exchange on which the Shares are listed or traded. All Share certificates delivered pursuant to the Plan are subject to any stop-transfer orders and
other restrictions as the Committee or the CEO deems necessary or advisable to comply all Applicable Laws, and the rules of any national securities exchange or automated quotation system on which the Shares are listed, quoted, or traded. The
Committee or the CEO may place legends on any Share certificate to reference restrictions applicable to the Share. In addition to the terms and conditions provided herein, the Board may require that a Participant make such reasonable covenants,
agreements, and representations as the Board, in its discretion, deems advisable in order to comply with any such laws, regulations, or requirements. The Committee or the CEO shall have the right to require any Participant to comply with any timing
or other restrictions with respect to the settlement or exercise of any Award, including a window-period limitation, as may be imposed in the discretion of the Committee or the CEO. 

6.5     Paperless Administration. Subject to Applicable Laws, the Committee or the CEO may make Awards, provide
applicable disclosure and procedures for exercise of Awards by an internet website or interactive voice response system for the paperless administration of Awards. 

6.6     Foreign Currency. A Participant may be required to provide evidence that any currency used to pay the
exercise price of any Award was acquired and taken out of the jurisdiction in which the Participant resides in accordance with Applicable Laws, including foreign exchange control laws and regulations. In the event the exercise price for an Award is
paid in Chinese Renminbi or other foreign currency, as permitted by the Committee or the CEO, the amount payable will be determined by conversion from U.S. dollars at the official rate promulgated by the People’s Bank of China for Chinese
Renminbi, or for jurisdictions other than the Peoples Republic of China, the exchange rate as selected by the Committee or the CEO on the date of exercise. 

  
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 6.7    Voting Rights Entrustment. In the event that any Ordinary
Share is issued to any Participant due to the exercise of the Option, to the extent permitted by applicable laws, such Participant shall irrevocably entrust Lendora Limited to exercise his/her voting rights in members meeting or any applicable
cases. 
 ARTICLE 7 

CHANGES IN CAPITAL STRUCTURE 

7.1     Adjustments. In the event of any dividend, share split, combination or exchange of Shares, amalgamation,
arrangement or consolidation, spin-off, recapitalization or other distribution (other than normal cash dividends) of Company assets to its shareholders, or any other change affecting the shares of Shares or
the share price of a Share, the Committee or the CEO shall make such proportionate and equitable adjustments to (a) the aggregate number and type of shares that may be issued under the Plan (including, but not limited to, adjustments of the
limitations in Section 3.1); (b) the terms and conditions of any outstanding Awards (including, without limitation, any applicable performance targets or criteria with respect thereto); and/or (c) the grant or exercise price per share for
any outstanding Awards under the Plan, as determined by the Committee or the CEO. With respect to Options intended to qualify as Incentive Share Options, no adjustments shall be authorized pursuant to this Section 7.1 or any other provision of
the Plan to the extent that such adjustment would cause the Option to fail to so qualify. 
 7.2     Acceleration
upon a Change of Control. Except as may otherwise be provided in any Award Agreement or any other written agreement entered into by and between the Company and a Participant, if a Change of Control occurs and a Participant’s Awards are not
converted, assumed, or replaced by a successor, such Awards shall become fully exercisable and all forfeiture restrictions on such Awards shall lapse. Upon, or in anticipation of, a Change of Control, the Committee or the CEO may in its sole
discretion provide for (i) any and all Awards outstanding hereunder to terminate at a specific time in the future and shall give each Participant the right to exercise such Awards during a period of time as the Committee or the CEO shall
determine, (ii) either the purchase of any Award for an amount of cash equal to the amount that could have been attained upon the exercise of such Award or realization of the Participant’s rights had such Award been currently exercisable
or payable or fully vested (and, for the avoidance of doubt, if as of such date the Committee or the CEO determines in good faith that no amount would have been attained upon the exercise of such Award or realization of the Participant’ s
rights, then such Award may be terminated by the Company without payment), (iii) the replacement of such Award with other rights or property selected by the Committee or the CEO in its sole discretion the assumption of or substitution of such Award
by the successor or surviving corporation, or a parent or subsidiary thereof, with appropriate adjustments as to the number and kind of Shares and prices, or (iv) provide for payment of Awards in cash based on the value of Shares on the date of
the Change of Control plus reasonable interest on the Award through the date such Award would otherwise be vested or have been paid in accordance with its original terms, if necessary to comply with Section 409A of the Code. 

7.3     Outstanding Awards – Corporate Transactions. In the event of a Corporate Transaction, each Award will
terminate upon the consummation of the Corporate Transaction, unless the Award is assumed by the successor entity or Parent thereof in connection with the Corporate Transaction. Except as provided otherwise in an individual Award Agreement, in the
event of a Corporate Transaction and: 

  
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 (a)    the Award either is (x) assumed by the successor entity or
Parent thereof or replaced with a comparable Award (as determined by the Committee or the CEO) with respect to shares of the capital shares of the successor entity or Parent thereof or (y) replaced with a cash incentive program of the successor
entity which preserves the compensation element of such Award existing at the time of the Corporate Transaction and provides for subsequent payout in accordance with the same vesting schedule applicable to such Award, then such Award (if assumed),
the replacement Award (if replaced), or the cash incentive program automatically shall become fully vested, exercisable and payable and be released from any restrictions on transfer (other than transfer restrictions applicable to Options) and
repurchase or forfeiture rights, immediately upon termination of the Participant’s employment or service with all Service Recipient within twelve (12) months of the Corporate Transaction without cause; and 

(b)    For each Award that is neither assumed nor replaced, such portion of the Award shall automatically become fully
vested and exercisable and be released from any repurchase or forfeiture rights (other than repurchase rights exercisable at Fair Market Value) for all of the Shares at the time represented by such portion of the Award, immediately prior to the
specified effective date of such Corporate Transaction. 
 7.4     Outstanding Awards – Other Changes. In
the event of any other change in the capitalization of the Company or corporate change other than those specifically referred to in this Article 7, the Committee or the CEO may, in its absolute discretion, make such adjustments in the number and
class of shares subject to Awards outstanding on the date on which such change occurs and in the per share grant or exercise price of each Award as the Committee or the CEO may consider appropriate to prevent dilution or enlargement of rights. 

7.5     No Other Rights. Except as expressly provided in the Plan, no Participant shall have any rights by reason
of any subdivision or consolidation of Shares of any class, the payment of any dividend, any increase or decrease in the number of shares of any class or any dissolution, liquidation, merger, or consolidation of the Company or any other corporation.
Except as expressly provided in the Plan or pursuant to action of the Committee or the CEO under the Plan, no issuance by the Company of shares of any class, or securities convertible into shares of any class, shall affect, and no adjustment by
reason thereof shall be made with respect to, the number of shares subject to an Award or the grant or exercise price of any Award. 

  
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 ARTICLE 8 

ADMINISTRATION 

8.1     Committee or the CEO. The Plan shall be administered by the Compensation Committee or the CEO appointed by
the Board; provided, however that the Compensation Committee or the CEO may delegate to a committee the authority to grant or amend Awards to Participants other than Independent Directors and executive officers of the Company (such committee being
the “Committee or the CEO”). The Committee or the CEO shall consist of at least two individuals who are officers and/or directors of the Company and other members as required by the Company’s Memorandum of Association and Articles of
Association. Reference to the Committee or the CEO shall refer to the Board if the Compensation Committee or the CEO has not been appointed, or ceases to exist and the Board does not appoint a successor Committee or the CEO. Notwithstanding the
foregoing, the full Board, acting by majority of its members in office shall conduct the general administration of the Plan if required by Applicable Law, and with respect to Awards granted to Independent Directors and executive officers of the
Company and for purposes of such Awards the term “Committee or the CEO” as used in the Plan shall be deemed to refer to the Board. Notwithstanding the foregoing, following the Initial Public Offering, the Committee or the CEO shall consist
solely of two or more members of the Board each of whom is a Non-Employee Director and an “independent director” under the rules of the principal securities market on which Shares are traded.
Notwithstanding the foregoing, the full Board, acting by a majority of its members in office, shall conduct the general administration of the Plan with respect to all Awards granted to Independent Directors and for purposes of such Awards the term
“Committee or the CEO” as used in this Plan shall be deemed to refer to the Board. 
 8.2     Action by the
Committee or the CEO. A majority of the Committee or the CEO shall constitute a quorum. The acts of a majority of the members present at any meeting at which a quorum is present, and acts approved in writing by a majority of the Committee or the
CEO in lieu of a meeting, shall be deemed the acts of the Committee or the CEO. Each member of the Committee or the CEO is entitled to, in good faith, rely or act upon any report or other information furnished to that member by any officer or other
employee of the Company or any Subsidiary, the Company’s independent certified public accountants, or any executive compensation consultant or other professional retained by the Company to assist in the administration of the Plan. No member of
the Committee or the CEO may act as to matters under the Plan specifically relating to such member. The Company will bear the expenses in relation to the administration and execution of the Plan. 

8.3     Authority of Committee or the CEO. Subject to any specific designation in the Plan, the Committee or the
CEO has the exclusive power, authority and discretion to: 
 (a)    Designate Participants to receive Awards; 

(b)    Determine the type or types of Awards to be granted to each Participant; 

(c)    Determine the number of Awards to be granted and the number of Shares to which an Award will relate; 

(d)    Determine the terms and conditions of any Award granted pursuant to the Plan, including, but not limited to, the
exercise price, grant price, or purchase price, any restrictions or limitations on the Award, any schedule for lapse of forfeiture restrictions or restrictions on the exercisability of an Award, and accelerations or waivers thereof, any provisions
related to non-competition and recapture of gain on an Award, based in each case on such considerations as the Committee or the CEO in its sole discretion determines; 

(e)    Determine whether, to what extent, and pursuant to what circumstances an Award may be settled in, or the exercise
price of an Award may be paid in, cash, Shares, other Awards, or other property, or an Award may be canceled, forfeited, or surrendered; 

(f)    Prescribe the form of each Award Agreement, which need not be identical for each Participant; 

  
 12 

 (g)    Decide all other matters that must be determined in connection
with an Award; 
 (h)    Establish, adopt, or revise any rules and regulations as it may deem necessary or advisable to
administer the Plan; 
 (i)    Interpret the terms of, and any matter arising pursuant to, the Plan or any Award
Agreement; and 
 (j)    Make all other decisions and determinations that may be required pursuant to the Plan or as the
Committee or the CEO deems necessary or advisable to administer the Plan. 
 8.4     Decisions Binding. The
Committee or the CEO’s interpretation of the Plan, any Awards granted pursuant to the Plan, any Award Agreement and all decisions and determinations by the Committee or the CEO with respect to the Plan are final, binding, and conclusive on all
parties. Benefits will be paid only if the Committee or the CEO determines, in its discretion, that the claimant is entitled to them. 

ARTICLE 9 
 EFFECTIVE
AND EXPIRATION DATE 
 9.1    Effective Date. The Plan is effective as of the date the Plan is approved by
the Board (the “Effective Date”), subject to the approvals of the shareholders of the Company as required by the Applicable Laws. 

9.2    Expiration Date. The Plan will expire on, and no Award may be granted pursuant to the Plan after, the tenth
anniversary of the Effective Date. Any Awards that are outstanding on the tenth anniversary of the Effective Date shall remain in force according to the terms of the Plan and the applicable Award Agreement. 

ARTICLE 10 
 AMENDMENT,
MODIFICATION, AND TERMINATION 
 10.1    Amendment, Modification, And Termination. With the approval of the
Board, at any time and from time to time, the Committee or the CEO may terminate, amend or modify the Plan. 

10.2    Awards Previously Granted. Except with respect to amendments made pursuant to Section 10.1, no
termination, amendment, or modification of the Plan shall adversely affect in any material way any Award previously granted pursuant to the Plan without the prior written consent of the Participant. 

  
 13 

 ARTICLE 11 

GENERAL PROVISIONS 

11.1    No Rights to Awards. No Participant, employee, or other person shall have any claim to be granted any Award
pursuant to the Plan, and neither the Company nor the Committee or the CEO is obligated to treat Participants, employees, and other persons uniformly. 

11.2    No Shareholders Rights. No Award gives the Participant any of the rights of a shareholder of the Company
unless and until Shares are in fact issued to such person in connection with such Award. 
 11.3    Taxes. No
Shares shall be delivered under the Plan to any Participant until such Participant has made arrangements acceptable to the Committee or the CEO for the satisfaction of any income and employment tax withholding obligations under Applicable Laws. The
Company or any Subsidiary shall have the authority and the right to deduct or withhold, or require a Participant to remit to the Company, an amount sufficient to satisfy federal, state, local and foreign taxes (including the Participant’s
payroll tax obligations) required or permitted by law to be withheld with respect to any taxable event concerning a Participant arising as a result of this Plan. The Committee or the CEO may in its discretion and in satisfaction of the foregoing
requirement allow a Participant to elect to have the Company withhold Shares otherwise issuable under an Award (or allow the return of Shares) having a Fair Market Value equal to the sums required to be withheld. Notwithstanding any other provision
of the Plan, the number of Shares which may be withheld with respect to the issuance, vesting, exercise or payment of any Award (or which may be repurchased from the Participant of such Award after such Shares were acquired by the Participant from
the Company) in order to satisfy the Participant’s federal, state, local and foreign income and payroll tax liabilities with respect to the issuance, vesting, exercise or payment of the Award shall, unless specifically approved by the Committee
or the CEO, be limited to the number of Shares which have a Fair Market Value on the date of withholding or repurchase equal to the aggregate amount of such liabilities based on the minimum statutory withholding rates for federal, state, local and
foreign income tax and payroll tax purposes that are applicable to such supplemental taxable income. 
 11.4    No
Right to Employment or Services. Nothing in the Plan or any Award Agreement shall interfere with or limit in any way the right of the Service Recipient to terminate any Participant’s employment or services at any time, nor confer upon any
Participant any right to continue in the employ or service of any Service Recipient. 
 11.5    Unfunded Status of
Awards. The Plan is intended to be an “unfunded” plan for incentive compensation. With respect to any payments not yet made to a Participant pursuant to an Award, nothing contained in the Plan or any Award Agreement shall give the
Participant any rights that are greater than those of a general creditor of the Company or any Subsidiary. 

  
 14 

 11.6    Indemnification. To the extent allowable pursuant to
applicable law, each member of the Committee or the CEO or of the Board shall be indemnified and held harmless by the Company from any loss, cost, liability, or expense that may be imposed upon or reasonably incurred by such member in connection
with or resulting from any claim, action, suit, or proceeding to which he or she may be a party or in which he or she may be involved by reason of any action or failure to act pursuant to the Plan and against and from any and all amounts paid by him
or her in satisfaction of judgment in such action, suit, or proceeding against him or her; provided he or she gives the Company an opportunity, at its own expense, to handle and defend the same before he or she undertakes to handle and defend
it on his or her own behalf. The foregoing right of indemnification shall not be exclusive of any other rights of indemnification to which such persons may be entitled pursuant to the Company’s Memorandum of Association and Articles of
Association, as a matter of law, or otherwise, or any power that the Company may have to indemnify them or hold them harmless. 

11.7    Relationship to other Benefits. No payment pursuant to the Plan shall be taken into account in determining
any benefits pursuant to any pension, retirement, savings, profit sharing, group insurance, welfare or other benefit plan of the Company or any Subsidiary except to the extent otherwise expressly provided in writing in such other plan or an
agreement thereunder. 
 11.8    Expenses. The expenses of administering the Plan shall be borne by the Company
and its Subsidiaries. 
 11.9    Titles and Headings. The titles and headings of the Sections in the Plan are for
convenience of reference only and, in the event of any conflict, the text of the Plan, rather than such titles or headings, shall control. 

11.10    Fractional Shares. No fractional shares of Share shall be issued and the Committee or the CEO shall
determine, in its discretion, whether cash shall be given in lieu of fractional shares or whether such fractional shares shall be eliminated by rounding up or down as appropriate. 

11.11    Limitations Applicable to Section 16 Persons. Notwithstanding any other provision of
the Plan, the Plan, and any Award granted or awarded to any Participant who is then subject to Section 16 of the Exchange Act, shall be subject to any additional limitations set forth in any applicable exemptive rule under Section 16 of
the Exchange Act (including any amendment to Rule 16b-3 of the Exchange Act) that are requirements for the application of such exemptive rule. To the extent permitted by applicable law, the Plan and Awards
granted or awarded hereunder shall be deemed amended to the extent necessary to conform to such applicable exemptive rule. 

11.12    Government and Other Regulations. The obligation of the Company to make payment of awards in Share or
otherwise shall be subject to all Applicable Laws, rules, and regulations, and to such approvals by government agencies as may be required. The Company shall be under no obligation to register any of the Shares paid pursuant to the Plan under the
Securities Act or any other similar law in any applicable jurisdiction. If the Shares paid pursuant to the Plan may in certain circumstances be exempt from registration pursuant to the Securities Actor other Applicable Laws the Company may restrict
the transfer of such shares in such manner as it deems advisable to ensure the availability of any such exemption. 

11.13    Governing Law. The Plan and all Award Agreements shall be construed in accordance with and governed by the
laws of the Cayman Islands. 

  
 15 

 11.14    Section 409A. To the extent that the Committee or the
CEO determines that any Award granted under the Plan is or may become subject to Section 409A of the Code, the Award Agreement evidencing such Award shall incorporate the terms and conditions required by Section 409A of the Code. To the
extent applicable, the Plan and the Award Agreements shall be interpreted in accordance with Section 409A of the Code and the U.S. Department of Treasury regulations and other interpretative guidance issued thereunder, including without
limitation any such regulation or other guidance that may be issued after the Effective Date. Notwithstanding any provision of the Plan to the contrary, in the event that following the Effective Date the Committee or the CEO determines that any
Award may be subject to Section 409A of the Code and related Department of Treasury guidance (including such Department of Treasury guidance as may be issued after the Effective Date), the Committee or the CEO may adopt such amendments to the
Plan and the applicable Award agreement or adopt other policies and procedures (including amendments, policies and procedures with retroactive effect), or take any other actions, that the Committee or the CEO determines is necessary or appropriate
to (a) exempt the Award from Section 409A of the Code and /or preserve the intended tax treatment of the benefits provided with respect to the Award, or (b) comply with the requirements of Section 409A of the Code and related
U.S. Department of Treasury guidance. 
 11.15    Appendices. The Committee or the CEO may approve such
supplements, amendments or appendices to the Plan as it may consider necessary or appropriate for purposes of compliance with applicable laws or otherwise and such supplements, amendments or appendices shall be considered a part of the Plan;
provided, however, that no such supplements shall increase the share limitations contained in Sections 3.1 of the Plan. 
 * * * * * 

I hereby certify that the foregoing Plan was duly adopted by the Board of Directors of MEILI AUTO HOLDINGS LIMITED on December 26, 2017.

 Executed on December 26, 2017. 
  

	
	 /s/ Yun Sun

	Corporate Secretary

  
 16EX-10.14

 Exhibit 10.14 

Certain information in this document identified by brackets has been omitted because it is both not material and would be competitively harmful if publicly
disclosed. 
 Business Cooperation Agreement 

Agreement No.: XWML2018 He 001 
 This
Business Cooperation Agreement (this “Agreement”) is made by and between: 
 Party A: Sichuan Xinwang Bank Co., Ltd. 

Legal Representative: Wang Hang 
 Contact Address: Room 1-8, Floor 26, Unit 1, Building 1, 8 Jitai 3rd Road, High-tech Zone, Chengdu City, Sichuan Province, P.R. China 
 Contact
Person: Liu Feng 
 Contact Telephone Number: [REDACTED] 
 E-mail: [REDACTED]@xwbank.com 
 and 

Party B: Huachang Finance Leasing (China) Co., Ltd. 
 Legal
Representative: Xu Wen 
 Contact Address: Room 2001-1, Floor 20, Building 11, Wangjing Dongyuan Fourth Area,
Chaoyang District, Beijing, P.R. China 
 Contact Person: Chang Jingxin 

Contact Telephone Number: [REDACTED] 
 E-mail: [REDACTED]@mljr.com 
 WHEREAS, Both Party A and Party B are legal entities legally established and
existing within the territory of the People’s Republic of China. 
 NOW THEREFORE, in accordance with the Contract Law of the People’s Republic of
China and relevant laws and regulations, Party A and Party B, through consultation on the basis of equality, voluntariness, good faith, hereby enter into this Agreement to clarify the rights and obligations of the parties hereto. 

Article I Basic Definitions 
 Cooperative Business:
means the personal loan business under this Agreement, on which Party A and Party B jointly cooperate and which is provided with loan funds by Party A and uses the Business Platform operated by Party B and its affiliated companies as a channel to
provide designated- purpose loans for personal customers meeting Party A’s access standards under the consumption scenarios defined by the Business Platform. 

 Business Platform: means the relevant websites, mobile device clients and other network business
platforms which are operated by Party B and its affiliated companies and through which Party A, as the Lender, releases the designated-purpose loans to the Borrower under specific consumption scenarios defined by the Business Platform, including
Meili car financing, car loan management and other APP applications, websites or software clients. If there is a need to add a new Business Platform, the parties hereto can, upon agreement reached through consultation, confirm such Business Platform
by email through the contact e-mails written above. 
 Product Page: means a page where Party A specifically
displays loan products in the Business Platform, which contains relevant information and operation path of Party A’s loans and in which the Borrower can complete the loan application process and view the loan details. 

Customer/Borrower: means a natural person recommended by Party B to Party A under the specific consumption scenario of the Business Platform, who will
and/or has applied to Party A for the designated-purpose loans through the Business Platform. 
 Lender: means a legal financial institution that
releases loans to the Borrower through the Business Platform. For the Cooperative Business, Party A will alone provide loans to or Party A and its cooperative financial institutions will jointly provide a syndicated loan to the Borrower. When
adopting the form of syndicated loan, Party A will sign the Loan Contract under the Cooperative Business on behalf of all the Lenders. The proportion of capital contributions and the proportion of incomes among the Lenders will be jointly determined
by the Lenders through consultation, and the Lenders will jointly enjoy the creditor’s rights against the Borrower according to the proportion of capital contributions in the loans. 

Loan Contract: means a contract signed online by the Borrower and Party A on the Business Platform, which is in the form of data message and stipulates
relevant contents such as loans, services, etc., regardless of the actual name of the contract. 
 Article II Cooperative Business and Loan Process

  

	I.	 Under the consumption scenario of the Business Platform, the parties hereto will make use of their own
resources and advantages to provide high-quality loan services to the Borrower through friendly consultation. Party B shall recommend to Party A the Borrower with loan requirements on the Business Platform according to Party A’s access policy
and risk control requirements. Party A shall provide loan funds to the Borrower, who shall repay the principal, interest, default interest, liquidated damages and other payables in accordance with the Loan Contract signed with Party A. For details
of the loan elements such as the scale, interest rate, loan line, term, loan method, repayment method, interest and interest collection method of the cooperative products, please refer to the Outline of Cooperative Products attached hereto as an
annex. 

  

	II.	 The parties hereto will carry out the Cooperative Business hereunder according to the following loan process:

  

	 	(I)	 Recommendation of the Borrower: 

 

	 	1.	 Party A shall propose a clear customer access policy. Party B shall provide the Business Platform and be
responsible for expanding the customer group that meets Party A’s requirements. The customer group specifically refers to the Customers who handle the auto financing lease business through the Business Platform and are required to repay the
rents and other payables as agreed. The loans will be to repay the rents and other relevant payables that the Borrower is required to repay according to the agreements on the auto financing lease business. Without Party A’s written consent, the
Borrower shall not change the purpose of the loans, and Party A shall have the right to supervise the use of the loans. 

	 	2.	 Party B shall screen the Borrower according to Party A’s requirements, and adopt necessary technical means
(including but not limited to necessary identity authentication, image authentication, etc.) to verify the identity of the Borrower, so as to ensure the authenticity and validity of the identity of the Borrower. Party B shall guide the Borrower to
sign a letter of credit authorization and a letter of information inquiry and use authorization in a legal and effective electronic signature and seal manner stipulated by the Electronic Signature Law of the People’s Republic of China.

  

	 	3.	 Party B shall transmit to Party A the information of the Borrower meeting the access policy before 23:59 every
day, and ensure that the authenticity, completeness, accuracy, legality and effectiveness of the Borrower’s data and the transmitted information have been verified and that the data and information transmitted by Party B are consistent with
those provided by the Borrower. 

  

	 	4.	 Party B shall reasonably estimate the number of the Customers recommended to Party A according to the loan fund
plan provided by Party A. Party B shall not recommend the Customers to Party A beyond the loan fund plan of Party A. For the Customers beyond the loan fund plan of Party A, Party A shall have the right to suspend customer access and examination and
approval. 

  

	 	5.	 Party A shall have the right to suspend customer access and loan examination and approval subject to the credit
limit control requirements of the regulator or based on the overall liquidity management needs of Party A, but Party A shall notify Party B thereof in advance. 

 

	 	(II)	 Loan examination and approval: 

 

	 	1.	 Party A shall have the right to independently examine and approve the credit extension and loan release of and
to the Borrower according to Party A’s access policy and risk control requirements, and shall have the right to reject a loan application that does not meet Party A’s requirements. Party B knows and agrees that Party A’s access policy
and risk control requirements will be adjusted from time to time according to market changes, regulatory requirements, Party A’s risk preference, etc., but after adjustment, Party A shall notify Party B in writing in a timely manner by e-mail.

	 	2.	 Party A shall have the right to carry out independent risk control over the Customers recommended by Party B by
means of four-factor verification (including customer name, ID card number, bank card number and mobile phone number), face recognition, online verification of citizenship information system, blacklist verification, anti-fraud system, manual review,
etc. At the same time, Party A will be responsible for credit investigation inquiry and report according to relevant laws, regulations and regulatory provisions on credit investigation. 

 

	 	3.	 After examination and approval, Party A shall notify Party B of the loan examination and approval results, and
Party B shall determine whether to notify the Customers of such examination and approval results through the Business Platform. 

  

	 	(III)	 Online contract signing: 

Party B shall guide the Borrower to sign the Loan Contract and other relevant legal documents in the form of data message on the Business
Platform. Party B shall ensure that the identity of the Borrower signing contract is true and effective, and ensure that the Borrower will sign the Loan Contract and other relevant legal documents in a legal and effective electronic signature and
seal manner stipulated by the Electronic Signature Law of the People’s Republic of China. 
  

	 	(IV)	 Loan release: 

Upon examination and approval as well as consent of Party A, Party A will, according to the Loan Contract, release the loans to Party B’s
collection account designated by the Borrower in the form of trusted payment. 
  

	 	(V)	 Loan repayment: 

  

	 	1.	 Party A will calculate the amount payable on each repayment date for the Borrower according to the
Borrower’s loan principal, loan term, loan interest rate, repayment method, etc., and automatically deduct the above amount from the Borrower’s repayment account on the repayment date. The Borrower’s repayment account may be an
electronic account opened by the Borrower with Party A or other bank account bound by the Borrower on the Business Platform. 

  

	 	2.	 In the event that the Borrower’s repayment funds are transferred to Party B’s account for any reason,
Party B shall ensure that the account for receiving the Borrower’s repayment funds can be continuously, legally and normally used, and shall be responsible for the safety of the Borrower’s repayment funds transferred to Party B’s
account. The above funds shall be owned by Party A. If a third party claim rights to the above account or a competent authority freezes or deducts amount from such account for reasons attributable to Party B, Party A shall have the right to make
recourse against Party B, and Party B shall make up the difference or authorize Party A to deduct amount from any account opened by Party B with any other bank to make up the difference within one natural day. 

	 	(VI)	 Post-loan management: 

Unless otherwise agreed in this Agreement, Party A shall be responsible for the post-loan management of the released loans under the
Cooperative Business. To the extent permitted by regulatory policies, Party B may assist Party A in collecting the amount. Party B shall, according to Party A’s requirements, provide relevant records or management documents for amount
collection in a timely manner. 
  

	 	(VII)	 Handling of complaints: 

Party B shall be responsible for coordinating with the Borrower to handle the complaints arising from the loans of the Borrower under the
Cooperative Business, and Party A shall actively cooperate with Party B. However, if Party A shall settle the above complaints according to laws and regulations, Party B shall actively cooperate with Party A. 

 

	 	(VIII)	 Issuance of vouchers: 

At the request of the Borrower, Party A shall provide the Borrower with a loan interest receipt, a settlement certificate and other documents
as vouchers to be issued by the Lender and deliver the same to the Borrower through various means in a timely manner. 
  

	 	(IX)	 Sending of short messages: 

 

	 	1.	 For the Cooperative Business, Party A shall send short messages related to loans to the Borrower, including but
not limited to short messages on repayment reminder, overdue reminder, overdue collection, etc. Upon agreement reached by the parties hereto through consultation, Party A may also entrust Party B to send part of the short messages. The relevant
business and information involved in the short messages which Party A entrusts Party B to send shall be deemed as Party A’s notice to the Customer. If Party B accepts Party A’s entrustment to send the aforesaid short messages, Party B
shall not collect additional fees from Party A. 

  

	 	2.	 For the short messages that Party A entrusts Party B to send, Party B shall, in a complete, timely and accurate
manner, send such short messages to the Customer in a format and speech skills determined in advance by the parties hereto. If there is any change in the format and speech skills of short messages, Party A’s prior written confirmation shall be
obtained. If Party A and the Customer suffer losses due to the fact that short messages are not sent to the Customer in a complete, timely and accurate manner or changes in the format and speech skills of short messages without Party A’s
written confirmation, Party B shall bear such losses. 

  

	 	(X)	 Vehicle mortgage: 

After Party B has gone through the vehicle mortgage procedures with Party A, Party B agrees to mortgage all the vehicles of the newly-added
Borrowers under the Cooperative Business to Party A. Party B shall cooperate with Party A in going through the vehicle mortgage registration procedures. There is no need to change the existing vehicles that have been mortgaged and registered in
Party B’s name. 

 Article III System Development and Information Transmission 

 

	I.	 Party A and Party B shall cooperate to complete their respective system development work according to the
system development plan, technical documents, etc. separately confirmed by the parties hereto in writing or by mail. During the development process, each party hereto shall provide the other party hereto with necessary technical supports in a timely
manner, including but not limited to interface specification, encrypting method and assemble testing, etc. The parties hereto shall ensure the normal operation of their respective business systems, and continuously cooperate to improve the product
functions and optimize the system performance in accordance with laws and regulations, relevant regulations of regulatory agencies, business expansion and market competition. 

 

	II.	 Party B shall transmit the loan-related information of each link to Party A through system docking. For the
fields to be transmitted and the list of video materials, please see the requirements for the material to be submitted in each link separately confirmed by the parties hereto by email. The parties hereto shall maintain and keep their respective
systems stable in function, smooth in interface and safe in data. If the system of either party hereto needs to be suspended under special circumstances, it shall inform the other party hereto in writing 2 working days in advance.

  

	III.	 Party B shall, at the end of the business of each day, transmit the actual overdue repayments of the Borrower
on the previous day to Party A in the form of documents. 

  

	IV.	 Party A and Party B shall check the relevant data and information of the previous day at the end of the
business of each day, including but not limited to the total loan amount, loan details of the current day, repayment details of the current day, details of repayments due on the current day, overdue details, etc. (unless there are system obstacles
and other reasons hindering check). 

  

	V.	 Party B shall timely transmit to Party A the relevant fields and materials such as vehicle registration
certificate, insurance policy, invoice (if any), etc. within 60 natural days after the loans are released. The fields and materials shall be subject to the separate agreement between the parties hereto. Party B shall ensure that no more than
[REDACTED] pieces of materials will not be transmitted to Party A within the agreed time. 

  

	VI.	 If there is any difference in the accounts of each loan in the Cooperative Business, the parties hereto shall
check and deal with the same. Loan elements, such as loan principal, interest rate, interest, time of releasing loans, repayment amount and repayment time, shall be subject to Party A’s data information, except that Party B has evidence to
prove that Party A’s data are untrue and inaccurate. 

 Article IV Incomes and Fees 

 

	I.	 Party A will collect the full amount of the principal and interest due and other payables as the incomes under
the Cooperative Business on the principal and interest repayment date of the loans. If Party B carries out operation activities such as interest rate discount or interest discount, it shall inform Party A of the activity plan 10 working days in
advance. Party B shall ensure that the above activities will not reduce the principal receivable, interest receivable, penalty interest receivable and other incomes receivable that Party A shall collect according to the conditions agreed in this
Agreement. 

	II.	 Party B shall not sign a service contract or similar contracts related to Party A’s loans with the
Borrower due to the service provided to Party A, and shall not individually and separately charge from the Borrower any service fee related to Party A’s loans due to the loans. 

Article V Guarantee 
  

	I.	 In order to guarantee the realization of Party A’s creditor’s rights, Party B is willing to provide
the joint and several liability guarantee and the security deposit pledge guarantee for all debts occurred by the Borrower under the Cooperative Business in accordance with the Loan Contract, and Party A and Party B shall separately sign a guarantee
contract to stipulate relevant matters. 

  

	II.	 When the loans under this project are in the form where Party A and its cooperative financial institution
jointly provide a syndicated loan to the Borrower, Party B shall still provide a guarantee for all debts occurred by the Borrower under the Loan Contract (not Party A’s share of creditor’s rights according to the proportion of capital
contribution and the proportion of incomes). The proportion of capital contributions and the proportion of incomes between Party A and its cooperative financial institution shall not affect the performance of Party B’s guarantee obligation.

  

	III.	 If Party B or another third party designated by Party B provides other guarantee for the Borrower under the
Cooperative Business, Party A and the guarantor shall separately sign a relevant guarantee agreement to stipulate the guarantee matters with the consent of Party A. 

Article VI Protection of Personal Information 
  

	I.	 If Party A and Party B collect the personal information of the Customer from the Borrower or other third
parties, they shall obtain the legal and effective authorization from the Borrower or the third party in advance. In addition, Party A and Party B shall collect, use or provide to the others the personal information of the Customer within the scope
of the authorization of the Customer. If Party A and/or Party B violate the above provisions, the corresponding information collector shall bear the responsibilities arising therefrom. 

 

	II.	 Party A and Party B will strictly implement the requirements for the customer personal information protection
and privacy protection in accordance with the requirements of regulatory agencies and the requirements of Party A and Party B on reputation risk control, and do a good job in the safety protection and control of the customer and user data.

  

	III.	 Party A and Party B shall properly keep the data and transaction information under the Cooperative Business,
and shall not delete, tamper, illegally trade and disclose the business data and transaction information. 

 Article VII Rights and
Obligations of Party A 
  

	I.	 Party A shall have the right to control the risks of the Borrower before, during and after the loan according
to Party A’s credit policy. In case of loans overdue, Party A shall have the right to take risk disposal measures, including but not limited to announcing the early maturity of the loans, overdue collection, etc. 

 

	II.	 Party A shall have the right to require Party B to provide services that meet the requirements stipulated in
this Agreement and to provide the data reports and analysis reports of Party A’s loans. 

	III.	 Party A shall have the right to require Party B or other guarantors (if any) to assume guarantee
responsibilities in accordance with this Agreement and relevant guarantee contracts if the Borrower commits any default. Party A shall have the right to exercise the security deposit pledge right or other guarantee rights (if any) in priority or
exercise the aforesaid guarantee rights at the same time. 

  

	IV.	 Party A or the external audit institution employed by Party A shall have the right to conduct on-site or off-site inspections and audits of Party B’s related operations involving the Cooperative Business hereunder. 

 

	V.	 Party A shall have the right to transfer all or part of the creditor’s rights (including the right to
incomes) involved in the Cooperative Business to a third party or to carry out asset securitization and other businesses. After the creditor’s rights (including the right to incomes) are transferred, Party B shall continue to perform the
relevant obligations within the scope specified in this Agreement. 

  

	VI.	 Party A shall be obliged to release the loans to the Borrower in full and on time in accordance with the
provisions of the Loan Contract. If Party A intends to suspend or delay the release of the loans with respect to a single loan, it shall negotiate with Party B in advance. 

Article VIII Rights and Obligations of Party B 
  

	I.	 Party B shall be responsible for selecting and recommending the Borrower to Party A, ensuring that the
information and materials submitted by the Borrower on the Business Platform have been examined in respect of legality, authenticity, accuracy, completeness and effectiveness, and ensuring that the above information and materials are consistent with
those submitted by the Borrower. 

  

	II.	 Party B shall use its own risk control means to assist Party A in verifying the identity of the Borrower and
take measures to prevent fraudulent acts. If the Borrower uses false or forged identities or application materials, provides any false application information or conceals important real information or commits other fraudulent acts, or the business
personnel with legal labor relations or employment relations employed by Party B assist the Borrower in carrying out the above acts to obtain the loans under the Cooperative Business, or the Customer denies transactions or refuses to pay (including
fraud, card theft, fake cards, etc.), or the issuing bank refuses to pay the funds, or other abnormal transactions occur, Party B shall bear the ultimate responsibilities and repay the corresponding loan funds to Party A, and Party A shall have the
right to require Party B to compensate for the direct losses suffered by Party A due to any of the above matters. 

  

	III.	 When selecting a face recognition service provider related to Party A’s risk control requirements, Party B
shall reach an agreement with Party A on the technical capability of the service provider before using such service. If Party B needs to change the service provider, Party B may not make such change until Party A and Party B reach an agreement upon re-evaluation. 

  

	IV.	 Party B shall be responsible for providing Party A with the Borrower’s risk assessment data which are used
for providing reference for Party A to grant the loan limit to the Borrower, provided that the provision of such data shall be subject to the effective authorization of the Borrower. 

	V.	 Party B shall ensure that the Loan Contract and other relevant legal documents deployed on the Business
Platform are the versions confirmed by the parties hereto. In case of replacement of the versions of the Loan Contract and such legal documents, they shall be deployed on the Business Platform at the time agreed by the parties hereto.

  

	VI.	 Party B shall ensure that during the valid term of this Agreement, the Product Page of Party A can be opened
and browsed normally by the Borrower, and all functions in the Product Page can be realized normally. Party B warrants that it will accurately, completely and timely display the information of the loan products provided by Party A. The contents
displayed on the Product Page of Party B will not violate the provisions of laws and regulations or infringe the legitimate rights and interests of any third party. The loan elements displayed externally on the Business Platform related to the loans
between Party A and the Borrower, including loan interest rate, loan amount, loan term, credit information, information collection and submission, shall not be displayed on the Business Platform until such loan elements are confirmed and approved by
Party A before the first deployment and the replacement of subsequent versions. 

  

	VII.	 No mortgage, pledge, joint ownership or any prior rights shall have been created on the vehicle involved in the
the Borrower’s finance leasing business recommended by Party B to Party A. After Party A releases the loans to the Borrower, the Borrower shall not create any mortgage, pledge, joint ownership or other rights on such vehicle, nor shall the
Borrower grant, transfer, lease, assign or otherwise dispose of the mortgaged property hereunder, except that the vehicle has been mortgaged to Party A or the partner designated by Party A. 

 

	VIII.	 Party B shall assist Party A in carrying out the post-loan management of Party B and the Borrower, and
monitoring the Borrower’s repayment ability and repayment situation after the loans are released, so that Party A can carry out risk management of the Borrower and control the risk of loan default. 

 

	IX.	 When Party A or the external audit institution employed by Party A examines and audits Party B’s relevant
business situations involving this business, Party B shall actively cooperate with Party A in carrying out the related work, including but not limited to accepting Party A’s inquiries, providing relevant materials, data, information, etc.

  

	X.	 Party B shall not use the name of Party A to carry out business activities, nor shall Party B carry out false
publicity and exaggerated propaganda on Party A’s loan products, and make promises (including but not limited to promises related to the term, interest rate, repayment method) that have not been confirmed by Party A’s credit approval to
the Borrower. 

 Article IX Liabilities for Default 
  

	I.	 The following events shall be deemed as Party A’s default events: 

 

	 	(1)	 Party A fails to release the loans in full and in a timely manner in accordance with the provisions of the Loan
Contract for reasons attributable to Party A; 

	 	(2)	 Party A does not deduct or refund the security deposit as agreed; 

 

	 	(3)	 Party A fails to pay the service fees as agreed to Party B; 

 

	 	(4)	 Party A fails to perform other obligations stipulated in this Agreement as agreed. 

 

	II.	 The following events shall be deemed as Party B’s default events: 

 

	 	(1)	 The Cooperative Business recommended by Party B violates the cooperation mode agreed in this Agreement, or the
Borrower recommended by Party B does not conform to Party A’s access policy or risk policy, or the Borrower’s identity information or loan materials are false, or the Borrower uses the same vehicle to finance repeatedly, or the financing
lease or the vehicle purchase transaction is false, or Party B commits other fraudulent acts; 

  

	 	(2)	 Party B forges the Borrower’s information or provides the false information of the Borrower to Party A,
which is suspected of self-financing; 

  

	 	(3)	 Party B recommends the Customer to Party A beyond Party A’s loan fund plan; 

 

	 	(4)	 Party B changes the Loan Contract and other relevant legal documents and the relevant Product Page deployed by
Party A on the Business Platform without the consent of Party A; 

  

	 	(5)	 Party B and the Borrower separately sign a contract related to Party A’s loans, or individually and
separately charge from the Borrower the service fees related to Party A’s loans without the consent of Party A; 

  

	 	(6)	 Party B refuses to cooperate with Party A in carrying out post-loan examination and audit;

  

	 	(7)	 Party B or any other third party designated by Party B fails to undertake the guarantee liability in accordance
with this Agreement and relevant guarantee contracts; 

  

	 	(8)	 Party B uses Party A to carry out or carries out in the name of the cooperation with Party A any other
activities other than those agreed in this Agreement beyond the scope of the service cooperation agreed in this Agreement; 

  

	 	(9)	 Party B’s shareholders are involved in capital withdrawal and insolvency, or Party B is involved in asset
transfer, tax evasion, debt evasion, money laundering, cash extraction and other illegal and criminal activities; 

  

	 	(10)	 There are significant changes in Party B’s mode of operation, its own system or legal status, or Party
B’s financial situation deteriorates, or Party B has significant negative public opinions, or Party B or its actual controller is involved in or will be involved in a major dispute or other major adverse change, which has affected or may affect
Party B’s ability to perform its obligations hereunder; 

	 	(11)	 The overdue rate level of the loan assets recommended by Party B to the institutions has greatly increased, and
the quality of the assets has deteriorated, or the overdue rate level of Party A’s loans under the Cooperative Business is higher than the average overdue rate level of the assets recommended by Party B, and the quality of the assets has
deteriorated; 

  

	 	(12)	 Party B’s asset strength and operating conditions are subject to major risk warning and its guarantee
ability is reduced, or Party B obviously fails to carry out customer access and risk management according to Party A’s requirements, which may affect Party A’s loan recovery; 

 

	 	(13)	 Party B fails to perform other obligations as agreed in this Agreement. 

 

	III.	 In case of any of the above default events, the non-defaulting party
shall have the right to require the defaulting party to correct the default within the specified time. If the defaulting party fails to correct the default within the time limit required by the non-defaulting
party, the non-defaulting party shall have the right to take any one or more of the following measures: 

  

	 	(1)	 In case of Party A’s default, Party B may suspend recommending the Customer to Party A until Party B
rescinds this Agreement; 

  

	 	(2)	 In case of Party B’s default, Party A shall have the right to suspend the approval of newly-added loan
access and loan release separately or simultaneously, and to demand Party B to enhance the guarantee measures by increasing the margin ratio until Party A unilaterally rescinds this Agreement; 

 

	 	(3)	 If losses are caused, the defaulting party shall compensate the
non-defaulting party for the direct losses caused to the non-defaulting party by the defaulting party’s default, including losses caused to the Borrower;

  

	 	(4)	 Other remedies permitted by laws and regulations. 

 

	IV.	 In particular, during the period of the cooperation between Party B and Party A, Party B will choose Party A as
its sole cooperative bank institution in the southwest region (including Sichuan, Chongqing, Guizhou, Yunnan, Guangxi and Tibet), and will not carry out the loan products which are identical with or similar to and compete with the products under the
Cooperative Business separately or jointly with the bank institutions with their domiciles or principal business places in the southwest region and their branches (except the cooperative bank’s branches in the southwest region, provided that
the domiciles or principal business places of the head offices of the cooperative banks are not in the southwest region). 

	V.	 During the period of the cooperation between Party A and Party B and within one year after the termination of
the cooperation, in principle, Party B shall not carry out the loan products which are identical with or similar to and compete with the products under this project separately or jointly with any cooperative financial institution of Party A. If
Party B violates the provisions of this Paragraph V, Party A shall have the right to suspend or terminate the business cooperation between the parties hereto, and shall also have the right to collect from Party B the liquidated damages amounting to
[REDACTED]% of the total amount of the loans released under this project and directly deduct such liquidated damages from any accounts opened by Party B and its affiliate with Party A. If Party B and any financial institution cooperating with Party
A carry out the loan products which are identical with or similar to and compete with the products under this project hereunder, Party A and Party B shall settle such issue through negotiation. 

Article X Cooperation Period 
 The cooperation period
hereunder shall be one year from the effective date of this Agreement. After the expiration of this Agreement, this Agreement shall be extended for another one year upon written confirmation by the parties hereto, provided that the parties hereto
have no objection to such extension. 
 Article XI Confidentiality 
  

	I.	 Either party hereto shall strictly keep confidential any confidential documents, data or information obtained
by it from the other party hereto during the performance of this Agreement, including but not limited to the business, operation, know-how, borrower information and proprietary technology of the other party
hereto (the “Confidential Information”). Except for the purpose of the cooperation, either party hereto may not use, publish, disclose or distribute the Confidential Information without the prior written consent of the other party hereto,
except for disclosure required by laws and regulations or competent judicial and administrative authorities. Otherwise, the aggrieved party will retain relevant legal rights and will hold the disclosing party liable. 

 

	II.	 The provisions of the Paragraph I above shall not apply to the information which 

 

	 	(1)	 is publicly known through no fault of the receiving party or its representative at the time when the disclosing
party obtains such information; 

  

	 	(2)	 has lawfully possessed by the receiving party before the disclosing party obtains such information;

  

	 	(3)	 is independently developed by the receiving party without benefit of the information disclosed or provided by
the disclosing party. 

  

	III.	 Either party hereto shall not disclose the existence of this Agreement, or publish or distribute any
information related to the cooperation and the discussions between the the parties hereto, unless the other party’s prior written consent is obtained. 

  

	IV.	 Notwithstanding the foregoing, either party hereto may disclose this Agreement to investment institutions,
accounting audit institutions, credit rating agencies and legal service institutions when necessary, provided that it shall ensure at the time of disclosure that the individuals or institutions that learn the information shall bear the
confidentiality obligation. 

 Article XII Relation between the Parties 

 

	I.	 This Agreement does not create any relationship between the parties hereto other than that under this
Agreement, including but not limited to joint venture, partnership or any other commercial relationships or entities, nor does it establish any obligation to form the above relationships or entities. Each party hereto shall be regarded as an
independent party to this Agreement. In any sense, either party hereto shall not be an agent of the other party hereto, nor does it have the right to make any commitments or acts binding upon the other party hereto on behalf of the other party
hereto. 

  

	II.	 Either party hereto shall not use the company name, product (service) names, trademarks and logos of the other
party hereto and other descriptions showing the identity of the other party hereto in any product, service or corporate image publicity materials or other publicity materials provided to third parties without the consent of the other party hereto.
If either party hereto needs to use the above contents in the above way, it shall notify the other party hereto 5 working days in advance and obtain the written or email consent of the other party hereto. In no event shall either party hereto make
any description on any occasion, which may cause any person misunderstand that there is any relationship other than that hereunder between the parties hereto. 

Article XIII Alteration, Rescission and Termination 
  

	I.	 Either party hereto shall have the right to alter or suspend this Agreement or terminate the cooperation
according to the change in the market situation, the fluctuation in capital prices and the business strategy adjustment, provided that it shall notify the other party hereto one month in advance, and shall comply with regulatory authorities’
clear time requirements, if any. 

  

	II.	 Party A and Party B shall carry out the cooperation hereunder on the premise of legality and compliance. In
case of any matters not covered herein during the cooperation between the parties hereto, or any adjustments to the relevant policies of the State, industry management departments and regulatory agencies involving the relevant provisions of this
Agreement, Party A and Party B shall amend the relevant provisions through friendly negotiation on the basis of the principles of fairness and reasonableness, and sign a supplementary agreement for settlement and confirmation, provided that the
parties hereto shall still strictly perform this Agreement in accordance with the terms hereof before reaching an agreement. If the cooperation matters conflict with or violate the new laws and regulations and the industry regulatory policies, Party
A and Party B will try their best to find a solution. If no solution can be found, this Agreement will be automatically terminated, and either party hereto does not need to bear the default liability for the early termination or rescission of this
Agreement. 

  

	III.	 The parties hereto shall continue to have the rights and undertake the obligations stipulated in this Agreement
for the loan business handled before the termination of this Agreement, regardless of the termination of this Agreement for any reason. 

 Article XIV Dispute Resolution and Fee Bearing 

This Agreement shall be governed by and construed in accordance with the laws of the People’s Republic of China (for the purpose of this Agreement,
excluding the laws of Hong Kong Special Administrative Region, Macao Special Administrative Region and Taiwan Region). All disputes concerning this Agreement may be settled by Party A and Party B through friendly consultation. If no settlement can
be reached through consultation, the parties hereto agree that such disputes shall be under the jurisdiction of the people’s court of the place where Party A is located. During the process of the dispute resolution, the parties hereto shall
continue to perform the provisions of this Agreement, which are not involved in the dispute. 
 Article XV Notice and Service 

 

	I.	 The parties hereto make the following agreement on the notices involved in or related to this Agreement and the
addresses and legal consequences for the service of relevant documents and legal instruments in case of disputes over this Agreement: 

Party A confirms that its valid service information is as follows: 

Address: Floor 25, Block C, New Hope International, Tianfu Third Street, High-tech Zone, Chengdu City, Sichuan Province. 

Attn: Liu Feng 
 E-mail: [REDACTED]@xwbank.com. 
 Tel.: [REDACTED]. 

Party B confirms that its valid service information is as follows: 

Address: Room 2001-1, Floor 20, Building 11, Wangjing Dongyuan Fourth Area, Chaoyang District,
Beijing. 
 Attn: Chang Jingxin 

E-mail: [REDACTED]@mljr.com 

Tel.: [REDACTED]. 
  

	II.	 The dates on which the notices or documents sent by the parties hereto under this Agreement and the arbitration
or litigation documents sent by the dispute resolution institutions (including but not limited to court and arbitration institution) related to this Agreement shall be deemed to have been effectively given shall be determined as follows:
(1) notices or documents or arbitration or litigation documents given by personal or entrustment delivery shall be deemed effectively given on the date of receipt by the notified party or its receiving agent; (2) notices or documents or
arbitration or litigation documents sent by express delivery or registered mail shall be deemed effectively given on the fifth working day after the date on which they were mailed; (3) notices or documents or arbitration or litigation documents
sent by e-mail shall be deemed effectively given at the time of sending information or e-mail recorded by the systems of the parties hereto or the system of the dispute
resolution institution. 

  

	III.	 The above addresses for service of the parties hereto shall apply to the service of the notices, agreements and
other documents when both parties are not involved in litigation, the service of the relevant documents and legal instruments when disputes arise over this Agreement, and the services of documents involved in the the procedures of first instance,
second instance, retrial and enforcement after the disputes enter arbitration and civil proceedings. 

	IV.	 Either party hereto shall notify in writing the other party hereto of the change of its service address in a
timely manner. If either party hereto fails to perform the notification obligation in the above way, the above confirmed service address shall still be deemed as a valid service address. If any legal instrument is not actually received by the
addressee due to inaccurate service address provided or confirmed by the addresser, failure to timely inform the addressee and the dispute resolution institution by the addresser after its service address is changed, the refusal to sign for the
legal instrument by the addressee or its designated recipient, or for other reasons, the legal instrument shall still be deemed effectively and legally given. 

 

	V.	 In case of any of the above circumstances, (1) legal instruments sent by mail shall be deemed effectively
given on the date when they were returned; (2) legal instruments sent by personal delivery shall be deemed effectively given on the date when the sending person records the information on the service receipt on the spot; (3) legal
instruments sent by e-mail shall be deemed effectively given at the time of sending information or e-mail recorded by the system of the sending party or the dispute
resolution institution. If either party hereto notifies the other party hereto of the change of its service address, the changed address shall be the valid service address. For the service addresses explicitly agreed by the parties hereto in this
Agreement, the dispute resolution institution may serve the documents on the parties hereto directly by mail, even if either party hereto fail to receive the documents sent by the dispute resolution institution by mail, such documents shall still be
deemed effectively given. 

  

	VI.	 After a dispute enters the arbitration or civil proceedings, if either party hereto responds to the proceedings
and directly submits a confirmation for the service address to the dispute resolution institution, and if such confirmed address is inconsistent with the confirmed servile address prior to the proceedings, the confirmed service address submitted to
the dispute resolution institution shall prevail. If the service address stated in the confirmation for service address is the address of the lawyer or the entrusted agent, the service address confirmed prior to the proceedings shall be valid at the
same time. 

  

	VII.	 The service clause of this Agreement is an independent clause and is not affected by the validity of this whole
Agreement or other terms of this Agreement. 

 Article XVI Force Majeure 

 

	I.	 Before the loans are released, if Party A cannot release the loans hereunder due to laws, regulations, rules,
regulations, guidelines, notices (including oral notices), policies and other normative documents promulgated by the relevant departments of the State, Party A shall have the right to stop releasing the loans, provided that Party A shall immediately
notify Party B in writing. In such circumstance, Party A shall not be deemed to have breached this Agreement and shall not assume any responsibility. 

  

	II.	 If Party A or Party B cannot normally operate due to any of the following events, causing Party A or Party B to
be unable to perform this Agreement, either party hereto shall not assume any liability for default or compensation, provided that the affected party shall immediately notify in writing the other party hereto of the event, and shall provide the
details of the event and supporting documents from the relevant departments within fifteen days. The parties hereto shall negotiate to decide whether to continue to perform or terminate this Agreement according to the degree of impact of the event
on the performance of this Agreement. Such events include but are not limited to: 

  

	 	(1)	 the maintenance or upgrade of the website or platform; 

	 	(2)	 the failure of data transmission due to the failure of the telecommunication equipment; 

 

	 	(3)	 the failure of the service operation systems of the parties hereto to carry out business due to force majeure
events such as typhoons, earthquakes, tsunamis, floods, power outages, wars, terrorist attacks, etc.; 

  

	 	(4)	 the service interruption or delay caused by hacker attacks, the technical adjustment or failure of
telecommunication departments and other relevant departments, enterprises and public institutions that rely on information technology, website upgrade, etc. 

Article XVII Counterpart and Miscellaneous 
 This
Agreement is made in four counterparts, with Party A and Party B holding two counterparts respectively, and the four counterparts shall have the same legal effect. 

This Agreement shall come into effect on the date when the legal representatives or authorized representatives of Party A and Party B affix their signatures
(seals) and common seals of Party A and Party B hereunder. 
 Annex: Outline of the Cooperative Product 

(The remainder of this page is intentionally left blank) 

 (This page has no main body and is the signature page of this Business Cooperation
Agreement). 
 Party A: Sichuan Xinwang Bank Co., Ltd. 

[Seal] 
 Legal Representative or Authorized Representative: 

Party B: Huachang Finance Leasing (China) Co., Ltd. 
 [Seal]

 Legal Representative or Authorized Representative: 

Signing Place: High-tech Zone, Chengdu City, Sichuan Province 

Signing Date: March 27, 2018 

 Annex: Outline of the Cooperative Product 

[Omitted]

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