Document:

EX-4.44

 Exhibit 4.44 

Share Transfer Agreement 

on 
 Shenzhen Xinyuhao
Technology Co., Ltd. 
 among 

Jianianhua (Tianjin) Information Technology Co., Ltd. 

and 
 Anquying (Tianjin)
Technology Co., Ltd., 
 Yunnan Zhongzhiyuan Yunda Automobile Sales Co., Ltd. 

(month)                (day), 2019 

  
 1 

 Share Transfer Agreement 

This Share Transfer Agreement (this “Agreement”) was entered into on December 20, 2019 in Chaoyang District, Beijing by and between: 

Transferor: 
 Jianianhua (Tianjin) Information
Technology Co., Ltd., a limited liability company incorporated in Tianjin under the laws of the People’s Republic of China (hereinafter referred to as “Jianianhua” or the “Transferor”); 

Transferees: 
 Anquying (Tianjin) Technology Co.,
Ltd., a limited liability company incorporated in Tianjin under the laws of the People’s Republic of China (hereinafter referred to as “Anquying” or the “Transferee 1”); 

Yunnan Zhongzhiyuan Yunda Automobile Sales Co., Ltd., a limited liability company incorporated in Yunnan under the laws of the People’s Republic
of China (hereinafter referred to as “Zhongzhiyuan” or the “Transferee 2”); 
 The Transferor and Transferees above are referred to
collectively as the “Parties” and individually as a “Party.” 
 Whereas: 

 

	1.	 Shenzhen Xinyuhao Technology Co., Ltd. (hereinafter referred to as “Xinyuhao” or the
“Company”) is a limited liability company incorporated in Shenzhen in accordance with the laws of the People’s Republic of China and has the registered capital of RMB 500,000 Yuan, while Jianianhua holds 100% equity interests in the
Company. 

  

	2.	 Under the conditions and terms provided herein, Jianianhua agrees to transfer 100% equity interests
(hereinafter referred to as the “Target Shares”) it holds in the Company to the Transferees, including transferring 40% equity interests it holds in the Company to Anquying, and transferring 60% equity interests it holds in the Company to
Zhongzhiyuan, and the Transferees agree to purchase the Target Shares from Jianianhua. 

  
 2 

 The Parties reached the following agreement for mutual compliance through friendly
negotiation in accordance with the provisions of the relevant laws and regulations of the People’s Republic of China. 
 Article 1 Transfer of
Shares 
  

	1.	 Jianianhua intends to transfer 40% equity interests in the Company to Anquying at the share transfer price of
RMB [80,000] Yuan, and transfer 60% equity interests in the Company to Zhongzhiyuan at the share transfer price of RMB [120,000] Yuan; the total transfer price is RMB [200,000] yuan (hereinafter referred to as the “Total Share Transfer
Price”). 

  

	2.	 After the share transfer is completed, the shareholding structure of the Company is as follows:

  

									
	 Name of Shareholder
	  	Contribution Amount
(RMB Ten thousands
Yuan)	 	  	Contribution
Ratio (%)	 
	 Anquying (Tianjin) Technology Co., Ltd.
	  	 	20	 	  	 	40	 
	 Yunnan Zhongzhiyuan Yunda Automobile Sales Co., Ltd.
	  	 	30	 	  	 	60	 
	 Total
	  	 	50	 	  	 	100	 

 Article 2 Payment and Relevant Arrangement 
  

	1.	 The Parties shall separately negotiate about the specific time and method of payment. 

 

	2.	 The Transferor and the Transferee agree that, the obligations of the Transferees to pay the share transfer
price in full hereunder are completely fulfilled once the Transferees make payment for the share transfer price in accordance with the payment arrangement separately agreed upon between the Parties. 

  
 3 

 Article 3 Modification Registration and Filing with the Administration for Industry and Commerce 

 

	1.	 The Transferor and Transferees shall complete the formalities for the registration of modification with the
administration for industry and commerce for the share transfer within 20 working days from the execution of this Agreement, for which the Parties shall cooperate with each other in providing relevant information. If the formalities for the
registration of modification with the administration for industry and commerce cannot be completed within the time limit above due to changes in the relevant modification procedure or policy of the administration for industry and commerce, both the
Transferor and the Transferees acknowledge to automatically extend the time limit to the time when such formalities are completed; if the formalities for the registration of modification with the administration for industry and commerce cannot be
completed due to changes in the policy of the administration for industry and commerce, neither the Transferor nor the Transferees shall be held liable, and this Agreement shall be rescinded. 

 

	2.	 As from the date when the registration of modification with the administration for industry and commerce is
completed, the Transferees shall be entitled to and liable for the rights and obligations related to all the assets and liabilities of the Company in proportion to their shareholding ratios. 

 

	3.	 The Transferees shall pay their contributions to the Company in full in proportion to their contribution ratios
within 20 working days from the date when the registration of modification with the administration for industry and commerce is completed for the share transfer. 

Article 4 Representations and Warranties of the Transferor 

The Transferor makes the following representations and warranties to the Transferees, and undertakes that the following representations and warranties are
true, accurate, and complete as of the execution date of this Agreement: 
  

	1.	 The Company is a limited company duly established and validly existing under the laws of its place of
registration; the Transferor is a lawful holder of the Target Shares. 

  
 4 

	2.	 The Transferor, on a voluntary basis, has the full rights and authorities to enter into and perform this
Agreement and complete the transaction contemplated hereunder. The Transferor shall obtain the lawful and valid authorization for all necessary acts taken for this Agreement and all the transactions contemplated hereunder. This Agreement constitutes
lawful, valid, and binding obligations of the Transferor. 

  

	3.	 The execution and performance of this Agreement is not in contradiction or conflict with the prevailing
Articles of Association of the Company, the laws, regulations, and administrative orders of government authorities applicable to the Transferor, or other agreements or legal documents to which the Transferor is a party. 

 

	4.	 Prior to the date when the registration of modification with the administration for industry and commerce is
completed for the share transfer, Jianianhua, as a shareholder holding 100% equity interests in the Company, shall be fully liable for the operating risks and debts, etc. of the Company. 

 

	5.	 The Transferees shall be exempted from any obligations, liabilities, or losses for the Company’s acts in
violation of laws or agreements (including but not limited to acts in violation of regulatory regulations and relevant provisions on the administration for industry and commerce, tax, labor, etc.) and the Company’s debts and liabilities
existing prior to the date of the registration of modification with the administration for industry and commerce for the share transfer (such acts in violation of laws or agreements and such debts and liabilities are collectively referred to as
“Liabilities Prior to AIC Modification Registration”). Jianianhua undertakes that, if the Company is held liable for any obligations, liabilities, or losses on the ground of the foregoing liabilities, Jianianhua shall address such
liabilities and compensate the Company for its losses. 

 Article 5 Representations and Warranties of Anquying 

Anquying makes the following representations and warranties to Jianianhua, and undertakes that the following representations and warranties are true, accurate,
and complete as of the execution date of this Agreement and from the execution date of this Agreement to the date of payment: 
  

	1.	 Anquying is a limited liability company duly established and validly existing under the laws of its place of
domicile. 

  
 5 

	2.	 Anquying, on a voluntary basis, has the full rights and authorities to enter into and perform this Agreement
and complete the transaction contemplated hereunder. Anquying has been lawfully and validly authorized to enter into this Agreement. This Agreement constitutes lawful, valid, and binding obligations of Anquying. 

 

	3.	 Anquying shall provide necessary documents and take necessary measures to assist the Company in obtaining all
the government approvals, consents, permits, registration, and filing required under this Agreement or required for fully performing this Agreement. 

  

	4.	 After the registration of modification with the administration for industry and commerce is completed, Anquying
shall bear the liabilities and enjoy the rights as a shareholder in proportion to its shareholding ratio in accordance with the provisions of the Company Law; and Anquying shall be correspondingly liable for the obligations, liabilities, or losses
for the Company’s acts in violation of laws or agreements (including but not limited to acts in violation of regulatory regulations and relevant provisions on the administration for industry and commerce, tax, labor, etc.) and the
Company’s debts and liabilities after the registration of modification with the administration for industry and commerce is completed. 

Article 6 Representations and Warranties of Zhongzhiyuan 

Zhongzhiyuan makes the following representations and warranties to Jianianhua, and undertakes that the following representations and warranties are true,
accurate, and complete as of the execution date of this Agreement and from the execution date of this Agreement to the date of payment: 
  

	1.	 Zhongzhiyuan is a limited liability company duly established and validly existing under the laws of its place
of domicile. 

  

	2.	 Zhongzhiyuan, on a voluntary basis, has the full rights and authorities to enter into and perform this
Agreement and complete the transaction contemplated hereunder. Zhongzhiyuan has been lawfully and validly authorized to enter into this Agreement. This Agreement constitutes lawful, valid, and binding obligations of Zhongzhiyuan.

  
 6 

	3.	 Zhongzhiyuan shall provide necessary documents and take necessary measures to assist the Company in obtaining
all the government approvals, consents, permits, registration, and filing required under this Agreement or required for fully performing this Agreement. 

  

	4.	 After the registration of modification with the administration for industry and commerce is completed,
Zhongzhiyuan shall bear the liabilities and enjoy the rights as a shareholder in proportion to its shareholding ratio in accordance with the provisions of the Company Law; and Zhongzhiyuan shall be correspondingly liable for the obligations,
liabilities, or losses for the Company’s acts in violation of laws or agreements (including but not limited to acts in violation of regulatory regulations and relevant provisions on the administration for industry and commerce, tax, labor,
etc.) and the Company’s debts and liabilities after the registration of modification with the administration for industry and commerce is completed. 

Article 7 Taxes and Charges 
 The Parties to the
transaction shall bear their respective taxes and charges (such as income taxes and stamp duties) related to the share transfer in accordance with law. 

Article 8 Rescission and Termination 
  

	1.	 This Agreement may be rescinded upon the occurrence of any of the following: 

 

	 	(1)	 The Parties hereto both agree, in writing, to rescind this Agreement. 

 

	 	(2)	 A statutory force majeure event occurs, preventing the Parties from performing this Agreement or achieving the
objective of this Agreement. 

  

	 	(3)	 The Transferor materially violates any representation or warranty made in Article 4 hereof, or the
representations and warranties are untrue, in which case either Transferee may unilaterally terminate this Agreement by sending a written notice. 

  

	 	(4)	 The Transferees materially violate any representation or warranty made in Article 5 and Article 6 hereof, or
the representations and warranties are untrue, in which case the Transferor may unilaterally terminate this Agreement by sending a written notice. 

  
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	2.	 Effects of rescission and termination: 

 

	 	(1)	 The rights and obligations hereunder are terminated once this Agreement is rescinded or terminated in
accordance with any of the foregoing provisions. 

  

	 	(2)	 After this Agreement is rescinded or terminated, the Parties hereto shall, on the principles of fairness,
reasonableness, and good faith, refund the amounts (if any) obtained from the other Party under this Agreement, return the shares received under this Agreement, and restore the state prior to the execution of this Agreement. 

 

	 	(3)	 If, by reason of the Transferor, the Company fails to complete the registration of modification with the
administration for industry and commerce within 20 working days for the share transfer, or the objective of this Agreement cannot be achieved, or Jianianhua violates the provisions of Article 2 hereof, either Transferee may unilaterally
terminate this Agreement. Meanwhile, Jianianhua shall be liable for the direct economic losses (if any) caused to the Transferees. 

  

	 	(4)	 If, by reason of the Transferees, the Company fails to complete the registration of modification with the
administration for industry and commerce within 20 working days for the share transfer, or the objective of this Agreement cannot be achieved, or the Transferees violate the provisions of Article 2 hereof, Jianianhua may unilaterally
terminate this Agreement. Meanwhile, the Transferees shall, in proportion to the shares to be purchased, be liable for the direct economic losses (if any) caused to Jianianhua. 

 

	 	(5)	 After this Agreement is rescinded or terminated, unless otherwise provided herein, all the rights and
obligations of the Parties hereunder shall be immediately terminated, and neither Party has any other claim against the other Party under this Agreement or on the ground of the rescission of this Agreement except for the liabilities to be borne in
accordance with the provisions of Items (3) and (4) of Paragraph 2 of Article 8 hereof. 

 Article 9 Confidentiality 

 

	1.	 Unless otherwise provided herein, the Parties hereto shall make their best efforts to keep the confidentiality
of any technical or business information (“Confidential Information”) in any form of the other Party obtained by performing this Agreement, such information including but not limited to any content hereof and other possible cooperation and
transactions between the Parties. Any Party shall restrict such information only to its employees, agents, contractors, suppliers, etc. that are required to know such information for properly performing the obligations hereunder.

  
 8 

	2.	 The party obtaining Confidential Information shall not engage in transactions of assets, stocks, or valuable
securities related to the other party or the affiliate of the other party by using the non-public information it obtained about the other party or the affiliate of the other party. 

 

	3.	 The limit above is not applicable to: 

 

	 	(1)	 Information generally available to the public at the time of disclosure; 

 

	 	(2)	 Information that becomes generally available to the public after the disclosure not due to the faults of the
receiving party; 

  

	 	(3)	 Information proven to be in possession of the receiving party prior to the disclosure instead of being
obtained, directly or indirectly, from the other party; or 

  

	 	(4)	 Confidential Information that any Party is obliged to disclose to relevant government authority or stock
exchange under the requirements of government laws and regulations or stock exchange rules, or that is disclosed by any Party to its direct legal advisers and financial advisers as required by normal business operation. 

 

	4.	 Any Party hereto shall instruct its directors, senior officers, and other employees, and the directors, senior
officers, and other employees of its affiliate to abide by the confidentiality obligations. 

 Article 10 Liabilities for Breach of
Agreement and Indemnity 
 Any Party in breach of this Agreement shall be liable for compensating the other Party for all its actual and direct losses
caused by such breach. The breaching party shall indemnify, hold harmless, and pay relevant amounts for the non-breaching party and their respective right and obligation successors, affiliates, and
representatives (collectively, “Indemnified Party”) under the following circumstances: (a) the breaching party breaches any representation or warranty it made in this Agreement, or its representations and warranties are untrue; and
(b) the breaching party breaches or fails to fully perform the promises, agreements, warranties, or obligations hereunder except for those exempted by the other Party in writing. The breaching party shall compensate the Indemnified Party for
its direct losses (including investigation and defense expenses, and reasonable attorney’s fees) caused by the foregoing circumstances. 

  
 9 

 Article 11 Applicable Law and Dispute Resolution 

 

	1.	 Applicable law: This Agreement is governed by the laws of China. 

 

	2.	 Dispute resolution: Any dispute arising from or in connection with this Agreement shall be solved by the
Parties through friendly negotiation. If the negotiation fails, either Party may submit the dispute to a competent people’s court at the place of execution for resolution via litigation. 

Article 12 Mailing Addresses and Mode of Service 

Jianianhua (Tianjin) Information Technology Co., Ltd.: 
 Mailing
address: Room 255-14 (Centralized Office Zone), Building 13, No. 2, Hongwang Road, Jingjin E-commerce Industrial Park, Wuqing District, Tianjin 

Attention: 
 Anquying (Tianjin) Technology Co., Ltd.: 

Mailing address: Pintec Group, Heng’an Plaza, No. 17 North Dongsanhuan Road, Chaoyang District, Beijing 

Attention: 
 Yunnan Zhongzhiyuan Yunda Automobile Sales Co., Ltd.

 Mailing address: No. 225, Guangfu Road, Kunming City, Yunnan Province 

Attention: 
 The mailing addresses above are the addresses for
each Party to receive the documents from the other Party, and any Party shall immediately notify the other Party of its new mailing address in the event of changes to its mailing address. If a document mailed by a party to the other party according
to the address above cannot be served by reason of any change in the address of the other party, the mailing party may deem the document as served and received by the other party from the 3 days after the mailing date. 

  
 10 

 Article 13 Miscellaneous 
  

	1.	 Any modification to this Agreement shall be made as a written agreement signed by the duly authorized
representatives of the Parties, and shall be an integral part of this Agreement. 

  

	2.	 Headings: The headings contained herein are for reference only without affecting the meanings or interpretation
of this Agreement by any means. 

  

	3.	 If any one or more provisions hereof, or any one or more legal documents related to the share transfer are held
invalid, illegal, or unenforceable under any relevant laws: 

  

	 	(1)	 The validity, legality, and enforceability of other provisions hereof shall not be affected or damaged but
shall be fully valid, and except for the agreements that are held as invalid, illegal, or unenforceable, the validity, legality, and enforceability of other agreements related to the share transfer shall not be affected or damaged but shall be fully
valid; 

  

	 	(2)	 The Parties shall immediately replace such invalid, illegal, or unenforceable provisions or agreements with
valid, legal, and enforceable provisions or agreements with the intention closest to that of the invalid, illegal, or unenforceable provisions or agreements. 

  

	4.	 This Agreement is made in four originals, each Party holding one original. 

 

	5.	 This Agreement shall become effective after being signed by the legal representatives or duly authorized
representatives of the Parties and being affixed with their official stamps. 

 (No text below; signature page follows) 

  
 11 

 [This page contains no text, but is the signature page to the Share Transfer Agreement] 

Transferor: 
 Jianianhua (Tianjin) Information Technology
Co., Ltd. (Official stamp) 
 /s/ Jianianhua (Tianjin) Information Technology Co., Ltd. 

Legal representative: /s/ HUANG
Zexiong                         

Transferee 1: 
 Anquying (Tianjin) Technology Co., Ltd.
(Official stamp) 
 /s/ Anquying (Tianjin) Technology Co., Ltd. 

Legal representative: /s/ WEI
Wei                                        

 Transferee 2: 
 Yunnan Zhongzhiyuan Yunda Automobile
Sales Co., Ltd. (Official stamp) 
 /s/ Yunnan Zhongzhiyuan Yunda Automobile Sales Co., Ltd. 

Legal representative: /s/ ZHANG
Chenli                                 

  
 12EX-4.45

 Exhibit 4.45 

Capital Increase Agreement 

on 
 Shenzhen Xinyuhao
Technology Co., Ltd. 
 between 

Anquying (Tianjin) Technology Co., Ltd. 

and 
 Yunnan
Zhongzhiyuan Yunda Automobile Sales Co., Ltd. 

[month]                [day], 2019 

 This Capital Increase Agreement (hereinafter referred to as this “Agreement”) was entered into
by and among the following parties on (month) (day), (year) in Beijing, China: 
 Shenzhen Xinyuhao Technology Co., Ltd.
(“Xinyuhao”), a limited liability company established and existing under the laws of China, with its registered address at 19D, Building B, Haoming Fortune Plaza, Shennan Road, Xiangmihu Subdistrict, Futian District, Shenzhen City
(hereinafter referred to as the “Target Company”); 
 Shenzhen Guoyu Commercial Factoring Co., Ltd. (“Guoyu
Factoring”), a limited liability company established and existing under the laws of China, with its registered address at 605 Bike Technology Building, No. 9, Keyan Road, Yuehai Subdistrict, Nanshan District, Shenzhen City (hereinafter
referred to as the “Subsidiary”); 
 Anquying (Tianjin) Technology Co., Ltd. (“Anquying”), a limited liability
company established and existing under the laws of China, with its registered address at Room 205, Building 4, No. 2, Hongwang Road, Jingjin E-commerce Industrial Park, Wuqing District, Tianjin
(hereinafter referred to as the “Existing Shareholder 1”); 
 Yunnan Zhongzhiyuan Yunda Automobile Sales Co., Ltd.
(“Zhongzhiyuan”), a limited liability company established and existing under the laws of China, with its registered address at No. 225, Guangfu Road, Kunming City, Yunnan Province (hereinafter referred to as the “Existing
Shareholder 2,” collectively with the “Existing Shareholder 1,” the “Existing Shareholders”); 
 Xinyuhao, Guoyu
Factoring, and Existing Shareholders are referred to as the “Parties” collectively and a “Party” individually; 
 Whereas: 

 

	1.	 The Target Company, with the registered capital of RMB 500,000 yuan, is owned by the Existing Shareholder
Anquying holding 40% equity interests and the Existing Shareholder Zhongzhiyuan holding 60% equity interests; the Target Company holds 100% equity interests in Guoyu Factoring. 

  
 Page 2 of 11 

	2.	 The Parties want to engage in further business cooperation in consumption installment factoring; the Existing
Shareholders intend to make additional capital contribution to the Target Company, and the Target Company intends to make additional capital contribution to Guoyu Factoring to achieve win-win results for all
the Parties. 

 The Parties enter into this Agreement with respect to the capital increase for the Target Company through
friendly negotiation on the principles of equality and mutual benefits in accordance with the relevant laws and regulations of China. 
 Article 1
Capital Increase 
  

	1.1	 The Parties agree to increase the registered capital of the Target Company by RMB 499.50 million Yuan, of
which RMB 499.50 million Yuan is to be subscribed to by the Existing Shareholders in proportion to their shareholding ratios in accordance with the terms and conditions provided herein (hereinafter referred to as the “Capital
Increase”), including RMB 199.80 million Yuan to be subscribed to by Anquying and RMB 299.70 million Yuan to be subscribed to by Zhongzhiyuan. After the Capital Increase is completed, the total registered capital of the Target Company
will be RMB 500.00 million Yuan. 

  

	1.2	 After the Capital Increase, the shareholding structure of the Target Company will be as follows:

  

											
	 No.
	  	 Name of Shareholder
	  	Registered Capital
(RMB ten thousand
yuan)	 	  	Shareholding Ratio
(%)	 
	 1
	  	 Anquying (Tianjin) Technology Co., Ltd.
	  	 	20000	 	  	 	40	% 
	 2
	  	 Yunnan Zhongzhiyuan Yunda Automobile Sales Co., Ltd.
	  	 	30000	 	  	 	60	% 
		  		  	  
	  
	 	  	  
	  
	 
	 Total
	  		  	 	50000	 	  	 	100	% 
		  		  	  
	  
	 	  	  
	  
	 

  
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	1.3	 The Parties further agree that, subject to Article 2 hereof, the Existing Shareholders shall fulfill their
capital contribution obligations by separately paying the additional capitals to the following account of the Target Company within [10] days from the execution of this Agreement: 

Account name: Shenzhen Xinyuhao Technology Co., Ltd. 

Opening bank: 
 Bank account No.:

  

	1.4	 The Parties agree that the capital contribution obligations of the Existing Shareholders hereunder are
fulfilled once the Existing Shareholders separately pay the additional capitals to the designated account above of the Target Company. 

  

	1.5	 The Target Company shall submit legal documents related to this transaction, including but not limited to the
Capital Increase Agreement, Articles of Association, and decision of the shareholders’ meeting on the capital increase, to the competent market supervision and administration authority within [10] working days from receiving the additional
capitals, so as to complete the formalities for registering the filing modification with respect to the capital increase. The expenses for going through the modification registration or filing formalities with the market supervision and
administration authority shall be borne by the Target Company. 

 Article 2 Representations and Warranties 

 

	2.1	 Each Party hereby represents and warrants as follows respectively: 

 

	 	2.1.1	 It is a legal person or other organization duly established and validly existing under the laws of China, or a
natural person having the nationality of the People’s Republic of China without holding dual nationalities. 

  

	 	2.1.2	 It has the full and sufficient rights and authorities to enter into and perform this Agreement, and has the
capacity for civil conduct to enter into this Agreement in accordance with the laws of China. 

  

	 	2.1.3	 It warrants that all the documents and information it provided for entering into this Agreement are true and
valid. 

  

	 	2.1.4	 The execution or performance of this Agreement will not violate any material contract or agreement to which it
is a party or which is binding on it or its relevant assets. 

  
 Page 4 of 11 

	 	2.1.5	 Its legal representative or entrusted agent signing this Agreement has obtained the full rights and authorities
required for executing and performing this Agreement in accordance with the valid certificate of legal representative or the valid power of attorney. 

  

	 	2.1.6	 It has disclosed, on a sufficient, detailed, and timely basis, all the information and data that need to be
known and possessed by the other parties in connection with this Transaction, which are free from material omissions, misleading, or falsified content. 

  

	 	2.1.7	 The representations, warranties, and undertakings made by it in this Agreement are true, correct, and complete
as of the execution date of this Agreement, and will remain true, correct, and complete when and after this Agreement becomes effective. 

  

	 	2.1.8	 It warrants to fully and properly perform all the content of this Agreement. 

 

	 	2.1.9	 Notwithstanding the relevant provisions herein, it will not abuse its rights as a shareholder to intervene in
the normal operation and management of the Target Company, and shall not misappropriate and use the properties of the Target Company. 

  

	 	2.1.10	 It warrants to keep the confidentiality of the information contained herein except for the disclosure required
by the law or relevant regulatory authorities/competent authorities (if applicable) and for going through the filing and modification formalities, or the disclosure to the intermediary institution in connection with this Agreement.

  

	 	2.1.11	 As of the execution date of this Agreement, the Capital Increase has been approved by the board of directors
and at the shareholders’ meeting of the Target Company. 

  

	 	2.1.12	 It will take all necessary measures to a reasonable extent to assist the Target Company in implementing the
Capital Increase as agreed in this Agreement. 

  

	 	2.1.13	 Any item in the representations and warranties above shall be without prejudice to any other provisions in such
representations and warranties, and nothing in this Agreement shall impose any limit on the scope or applicability of the representations and warranties above. 

  
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 Article 3 Taxes and Charges 
  

	3.1	 The taxes and other charges arising from the capital increase shall be paid or borne by the obligor in
accordance with law. 

 Article 4 Confidentiality 
  

	4.1	 The Parties undertake not to disclose, orally or in writing, any information about this Agreement and any Party
to any third party (except for disclosure to the advisers engaged by the Parties for the purpose of the Capital Increase); and any acts of the Parties and/or their employees and advisers in violation of this undertaking shall be deemed as a
violation of the confidentiality obligations, hence shall be held liable for breach of agreement in accordance with the provisions hereof. 

  

	4.2	 If any information about this Agreement and any Party has been known by the public via other means, such
information shall not be included as the information specified in Article 4.1. 

  

	4.3	 If a Party has to disclose the information specified in Article 4.1 under the order of a competent authority
having jurisdiction over the Party, such disclosure shall not be deemed as violating the confidentiality obligations; provided, however, that it shall notify the other Parties immediately. 

 

	4.4	 The confidentiality obligations provided in this article shall not be terminated on the ground that any Party
fails to enter into this Agreement, exits this Agreement, violates or fails to perform this Agreement, or this Agreement is completely performed; instead, the Parties are obliged to keep the confidentiality until the information specified in Article
4.1 is known by the public. 

 Article 5 Liability for Breach of Agreement 

 

	5.1	 After this Agreement becomes effective, the Parties shall comprehensively, properly, and promptly perform their
obligations and commitment in accordance with the provisions hereof; a breach of agreement is constituted if any party hereto violates the provisions hereof, fails to perform or fails to properly perform this Agreement, makes untrue representations
or warranties hereunder, or fails to perform the undertakings it made hereunder. 

  
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	5.2	 Upon the occurrence of a breaching act, the breaching party shall pay a penalty to the non-breaching party within 10 (ten) working days, and shall compensate the non-breaching party for losses arising from its breach. 

 

	5.3	 The payment of the penalty shall not affect the rights of the
non-breaching party to require the breaching party to make compensation for losses or continue the performance of this Agreement, or to rescind this Agreement. 

 

	5.4	 A failure or delay in exercising a right provided in this Agreement or by law shall not constitute a waiver of
such right or other rights, and the single or partial exercise of a right provided in this Agreement or by law shall not preclude the party from further exercising such right or other rights. 

Article 6 Force Majeure 
  

	6.1	 A force majeure event refers to an uncontrollable, unpredictable, and unavoidable objective circumstance,
including but not limited to earthquake, typhoon, flood, flood disaster, explosion, strike, war, or terrorist event. 

  

	6.2	 Any party failing to perform or to fully perform this Agreement due to the force majeure event shall
immediately notify other parties in writing, and shall, within 15 days from the occurrence of the force majeure event, provide a valid certificate issued by a relevant authority with respect to the occurrence of the force majeure event, and
reasonably prove that the force majeure event is the direct reason why the party suffering the force majeure cannot perform or fully perform this Agreement. 

  

	6.3	 In the event that a party suffers the force majeure event, the Parties shall promptly negotiate for a relevant
solution for performing this Agreement, and shall make reasonable measures to minimize the adverse results caused by the force majeure event. If, within 6 months from the occurrence of the force majeure event, the Parties still fail to decide a
relevant solution for performing this Agreement, this Agreement shall be terminated automatically. 

 Article 7 Applicable Law and
Dispute Resolution 
  

	7.1	 The validity, interpretation, and performance of this Agreement shall be governed by the laws of the
People’s Republic of China. Laws and regulations promulgated after the execution of this Agreement shall not be retroactively applicable to this Agreement unless otherwise specifically provided in such laws and regulations. However, the Parties
hereto may negotiate to make necessary adjustment to this Agreement in response to changes. 

  
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	7.2	 All the disputes arising from the performance of or in connection with this Agreement shall be solved by the
Parties through friendly negotiation; if the negotiation fails, the Parties agree to submit the disputes to Beijing Arbitration Commission for arbitration in accordance with its arbitration rules then effective. The arbitration result is final and
shall be binding on the Parties. 

  

	7.3	 During the proceedings held in accordance with this article, except for the litigation matters, the Parties
shall maintain the validity of other valid provisions hereof; the Parties shall continue to perform its remaining obligations hereunder and exercise its rights hereunder except for the obligations involved in the litigation matters.

 Article 8 Amendment, Rescission, and Termination of Agreement 

 

	8.1	 Any modification and amendment to this Agreement shall be separately negotiated by the Parties, and may become
effective only after a written agreement is jointly signed. 

  

	8.2	 This Agreement shall be immediately rescinded under the following circumstances: 

 

	 	8.2.1	 The Target Company fails to use the funds from the Capital Increase to make additional capital contribution to
its Subsidiary Guoyu Factoring; 

  

	 	8.2.2	 Guoyu Factoring fails to make investment in the projects recommended or recognized by Anquying or
Anquying’s affiliates; 

  

	 	8.2.3	 The Parties negotiate to rescind this Agreement; 

 

	 	8.2.4	 Any party has a breaching act, and fails to make rectification within thirty (30) days after the non-breaching party sends a written notice to the party requesting rectification, or the party has two or more breaching acts in total, the non-breaching party has the right
to unilaterally rescind this Agreement; 

  

	 	8.2.5	 This Agreement cannot be performed due to force majeure. 

 

	8.3	 The party requesting the rescission of this Agreement shall notify other parties in writing, which notice shall
become effective once it is served on such other parties. 

  
 Page 8 of 11 

	8.4	 The rescission of this Agreement shall not affect the rights of the
non-breaching party to request the breaching party to pay a penalty and make compensation for losses. 

  

	8.5	 Unless the Parties hereto negotiate and reach a written agreement, neither Party may transfer its rights and
obligations in or under this Agreement in whole and/or in part. 

 Article 9 Notice and Delivery 

 

	9.1	 Any notice sent for the purpose of this Agreement shall be made in writing, and be sent to other parties by
personal delivery, fax, or mail. 

  

	9.2	 The Parties hereto agree that any notice in connection with this Agreement shall be effective only if it is
delivered in writing, including but not limited to by fax, express delivery, mail, and email. Such notice shall be deemed as delivered on the date when the fax is transmitted successfully and received by the recipient if it is sent by fax, on the
date when the notice is received by the recipient if it is sent by express delivery or personal delivery, on the 7th working day if it is sent by registered mail, or immediately when the email is
sent successfully and confirmed by telephone if it is sent by email. 

  

	9.3	 The notice shall be deemed as effectively delivered if it is delivered to the following address, transmitted to
the following fax number, or sent to the following email box: 

 Anquying (Tianjin) Technology Co., Ltd.: 

Mailing address: Pintec Group, 9/F, Heng’an Plaza, No. 17 North Dongsanhuan Road, Chaoyang District, Beijing 

Attention: 
 Yunnan Zhongzhiyuan
Yunda Automobile Sales Co., Ltd. 
 Mailing address: No. 225, Guangfu Road, Kunming City, Yunnan Province 

Attention: 
 Shenzhen Xinyuhao
Technology Co., Ltd. 
 Mailing address: 19D, Building B, Haoming Fortune Plaza, Shennan Road, Xiangmihu Subdistrict, Futian District,
Shenzhen City 
 Attention: 

  
 Page 9 of 11 

 Article 10 Miscellaneous 
  

	10.1	 Matters not covered in this Agreement, such as the governance structure of the company, shall be subject to the
Articles of Association and amendment thereto (if any) of the Target Company that are passed by the Parties. 

  

	10.2	 This Agreement may be modified or supplemented only after the Parties reach a consensus and enter into a
written agreement, and any effective modification or supplement shall be an integral part of this Agreement. 

  

	10.3	 Without the unanimous consent of all the Parties, this Agreement and the rights, obligations, or liabilities
hereunder shall not be transferred. 

  

	10.4	 The validity or revocation of any provision hereof shall not affect the validity of other provisions of this
Agreement. The exercise of the rights by any Party shall not harm the contractual rights of other parties. 

  

	10.5	 This Agreement shall become effective after being signed by and affixed with the official stamps of the
Parties. 

  

	10.6	 This Agreement is made in three counterparts, each Party holding one counterpart, and the Target Company
retaining one counterpart. Each counterpart has the same legal force. 

 [The remainder of this page is intentionally left
blank] 

  
 Page 10 of 11 

 [This page contains no text, but is the signature page to the Capital Increase Agreement] 

Existing Shareholders: 
 Anquying (Tianjin) Technology
Co., Ltd. (Stamp) 
 /s/ Anquying (Tianjin) Technology Co., Ltd. 

Legal representative: /s/ WEI
Wei                 
 Yunnan Zhongzhiyuan
Yunda Automobile Sales Co., Ltd. (Stamp) 
 /s/ Yunnan Zhongzhiyuan Yunda Automobile Sales Co., Ltd. 

Legal representative: /s/ ZHANG
Chenli                 
 Target Company:

 Shenzhen Xinyuhao Technology Co., Ltd. (Stamp) 
 /s/
Shenzhen Xinyuhao Technology Co., Ltd. 
 Legal representative: /s/ CUI
Xiaofeng                 
 Subsidiary:

 Shenzhen Guoyu Commercial Factoring Co., Ltd. (Stamp) 

/s/ Shenzhen Guoyu Commercial Factoring Co., Ltd. 
 Legal
representative: /s/ CUI Xiaofeng                 

  
 Page 11 of 11

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