Document:

Exhibit 4.23

Exhibit 4.23

English Translation for Reference

EQUITY PLEDGE AGREEMENT

THIS EQUITY PLEDGE AGREEMENT (hereinafter “this Agreement”) is entered into in Shenzhen as of
December 3, 2010 by the following parties:

Party
A: Ying Si Kang Information Technology (Shenzhen) Co., Ltd.

Address: Rom 2108-2110-35, Jiahe Huaqiang Building, Shennan Road, Futian District, Shenzhen

Party B: Chunlin Wang

ID card No.: 430625196905225317

Third
Party: Shenzhen Xinbao Investment Management Co., Ltd.

Address: Rom 2108-2110-22, Jiahe Huaqiang Building, Shennan Road, Futian District, Shenzhen

WHEREAS:

	1.	 	Party A is a wholly foreign-owned enterprise incorporated in the People’s Republic of China
(hereinafter the “PRC”).

	 
	2.	 	Party B is a citizen of the PRC and holds 95% equity interest in
Shenzhen Xinbao Investment Management Co.,
Ltd. (hereinafter “Shenzhen Xinbao”), a limited liability company incorporated in Shenzhen,
China.

	 
	3.	 	Party A and Party B signed the Loan Agreement on December 3, 2010, pursuant to which,
Party A will provide an interest-free loan in the total amount of Twenty-Eight Thousand Five
Hundred Renminbi (RMB28,500) to Party B (hereinafter the “Loan”) to Party B, and Party B will
pledge all of his equity interest in Shenzhen Xinbao to Party A as a guarantee for the Loan.

NOW THEREFORE, Party A (hereinafter the “Pledgee”) and Party B (hereinafter the “Pledgor”) hereby
enter into this Agreement after friendly negotiation.

	1.	 	Definitions

	 
	 	 	Unless otherwise provided in this Agreement, the following terms shall have the following
meanings:

	 	1.1	 	“Right of Pledge”: refers to all the contents as set forth in Article 2 hereunder.

	 
	 	1.2	 	“Equity Interest”:
refers to all the equity interest legally held by the Pledgor in Shenzhen Xinbao.

	 	1.3	 	“Event of Default”: refers to any circumstances set forth in Article 7.1 hereof.

	 
	 	1.4	 	“Notice of Default”: refers to the notice of default issued by the Pledgee in accordance
with this Agreement, declaring the occurrence of an Event of Default.

 

 

 

	2.	 	Right of Pledge

The Pledgor pledges all of his Equity Interest in Shenzhen Xinbao  to the Pledgee as a
guarantee for all of his liabilities under the Loan Agreement. The “Right of Pledge” refers to
the right owned by the Pledgee to be first compensated from the money converted from, or the
proceeds from the auction or sale of, the Equity Interest pledged by the Pledgor to the
Pledgee.

	3.	 	Registration of Pledge

	 	3.1	 	Within one (1) week after the signing of this Agreement, the Pledgor shall cause Shenzhen Xinbao  to record the Pledgee’s Right of Pledge over his Equity Interest in the register of
shareholders and deliver the copy of the register of shareholders bearing the common seal of Shenzhen Xinbao, as well as the original of equity contribution certificate of Shenzhen Xinbao  to the
Pledgee for safe-keeping.

	 
	 	3.2	 	Both parties agree that if conditions permit, they will make their best effort to file,
and cause the pledge under this Agreement to be filed, with the industrial and commercial
administrative department in the place where Shenzhen Xinbao  is registered, but both parties
confirm that unless compulsorily stipulated by the PRC laws and regulations, whether this Agreement
is filed as above or not will not affect the validity of this Agreement.

	4.	 	Rights of the Pledgee

	 	4.1	 	Where the Pledgor does not perform his liabilities, the Pledgee shall be entitled to be
first compensated from the money converted from, or the proceeds from the auction or sale of, the
Equity Interest of Shenzhen Xinbao  that is pledged.

	 
	 	4.2	 	The Pledgee shall be entitled to the bonus arising from the Equity Interest that is
pledged.

	5.	 	Representation and Warranty of the Pledgor

	 	5.1	 	The Pledgor is the legal owner of the pledged Equity Interest.

	 
	 	5.2	 	Except for the interest of the Pledgee, the Pledgor has not created other pledges or any
other kinds of rights over the Equity Interest.

	 
	 	5.3	 	The pledge of the Equity Interest by the Pledgor has obtained the consent of the other
shareholders of Shenzhen Xinbao, and other shareholders have unanimously agreed that they will
give up the exercise of their respective preemptive right when the Pledgee actually exercises the
Right of Pledge.

	6.	 	Undertakings by the Pledgor

	 	6.1	 	During the term of this Agreement, the Pledgor undertakes to the Pledgee for the benefit
of the Pledgee that he will:

	 	6.1.1	 	Not transfer or assign the Equity Interest, nor create or cause to be created any pledge
which may affect the rights and interests of the Pledgee without the prior written consent of the
Pledgee;

 

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	 	6.1.2	 	Comply with the laws and regulations with respect to the pledge of rights; present to
the Pledgee the notices, orders or suggestions with respect to the Right of Pledge issued or made
by the competent authority within five (5) days upon receipt thereof; and comply with such notices,
orders or suggestions; or make an objection to or a statement on the foregoing matters at the
reasonable request of the Pledgee or with the consent of the Pledgee;

	 
	 	6.1.3	 	Timely notify the Pledgee of any events or any received notices which may affect the
Pledgor’s right over the Equity Interest or any part thereof, or may change the Pledgor’s any
warranty and obligation under this Agreement or may have effects on it.

	 	6.2	 	The Pledgor agrees that the Pledgee’s right to exercise the Right of Pledge obtained
pursuant to this Agreement shall not be interrupted or hindered by the Pledgor or any of its
successors or principals or any other person through legal proceedings.

	 
	 	6.3	 	The Pledgor undertakes to the Pledgee that in order to protect or improve the guarantee
for the repayment of the loan under this Agreement, the Pledgor will execute in good faith and
cause other interested persons relating to the Right of Pledge to execute all right certificates
and contracts required by the Pledgee and/or perform and cause other interested persons to perform
the acts required by the Pledgee and facilitate the exercise of the rights and authority granted to
the Pledgee under this Agreement.

	 
	 	6.4	 	The Pledgor undertakes to the Pledgee that he will execute all documents for the change of
equity certificate (if applicable and necessary) with the Pledgee and any persons designated by it
(natural persons/ legal persons) and shall, within a reasonable period, provide to the Pledgee all
notices, orders and decisions about the Right of Pledge as it deems necessary.

	 
	 	6.5	 	The Pledgor undertakes to the Pledgee that for the purpose of the Pledgee’s benefits, he
will comply with and perform all warranties, undertakings, agreements, representations and
conditions. Where the Pledgor does not perform, in whole or in part, his warranties, undertakings,
agreements, representations and conditions, the Pledgor shall compensate all losses suffered by the
Pledgee arising therefrom.

	7.	 	Event of Default

	 	7.1	 	The following events shall be regarded as the Events of Default:

	 	7.1.1	 	The Pledgor fails to perform his obligations under the Loan Agreement;

	 
	 	7.1.2	 	Any representation or warranty made by the Pledgor in Article 5 hereof contains
misleading or false information that is material and/or the Pledgor breaches any warranty in
Article 5 hereof;

	 
	 	7.1.3	 	The Pledgor breaches the undertakings under Article 6 hereof;

 

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	 	7.1.4	 	The Pledgor breaches any of the other provisions of this Agreement;

	 
	 	7.1.5	 	The Pledgor waives the pledged Equity Interest or transfers or assigns the pledged
Equity Interest without the prior written consent of the Pledgee;

	 
	 	7.1.6	 	Any borrowing, guarantee, compensation, undertaking or other debt liabilities of the
Pledgor (1) is required to be repaid or performed in advance due to a default; or (2) has been due
but cannot be repaid or performed on time, which, in the opinion of the Pledgee, would have
affected the ability of the Pledgor in performing his obligations under this Agreement;

	 
	 	7.1.7	 	Shenzhen Xinbao is incapable of repaying the general debts or other debts;

	 
	 	7.1.8	 	This Agreement becomes illegal or the Pledgor fails to continue to perform his
obligations herein due to any cause other than force majeure;

	 
	 	7.1.9	 	The properties owned by the Pledgor have significant adverse changes, which, in the
opinion of the Pledgee, would have affected the ability of the Pledgor in performing his
obligations under this Agreement;

	 
	 	7.1.10	 	The breach by the Pledgor due to his act or omission regarding the other provisions of
this Agreement.

	 	7.2	 	If the Pledgor knows or finds that any matter stated in Article 7.1 hereof or any event
possibly resulting in any of the above matters has occurred, he shall immediately inform the
Pledgee in writing.

	 
	 	7.3	 	Unless the Events of Default listed in this Article 7.1 has been resolved to the
satisfactory of the Pledgee, the Pledgee may give a written Notice of Default to the Pledgor at any
time when the Pledgor is in default or thereafter, requesting the Pledgor to immediately pay the
outstanding debts and other payables under the Loan Agreement or requesting to dispose of the Right
of Pledge according to Article 8 hereof.

	8.	 	Exercise of the Right of Pledge

	 	8.1	 	The Pledgor shall not transfer or assign the pledged Equity Interest before his
obligations under the Loan Agreement have been fully performed and without the prior written
consent of the Pledgee.

	 
	 	8.2	 	The Pledgee shall give a Notice of Default to the Pledgor when the Pledgee exercises the
Right of Pledge.

	 
	 	8.3	 	Subject to Article 7.3, the Pledgee may exercise the right to dispose of the Right of
Pledge when it gives a Notice of Default in accordance with Article 7.3 or at any time thereafter.

	 
	 	8.4	 	The Pledgee shall be entitled to be first compensated from the money converted from, or
the proceeds from auction or sale of, all or part of the Equity Interest hereunder in accordance
with statutory procedures until the outstanding debts and all other payables of the Pledgor under
the Loan Agreement are repaid.

 

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	 	8.5	 	When the Pledgee disposes of the Right of Pledge in accordance with this Agreement, the
Pledgor shall not pose any obstacles, and shall give necessary assistance in this regard so that
the Pledgee can realize its Right of Pledge.

	9.	 	Assignment of this Agreement

	 	9.1	 	The Pledgor shall have no right to transfer any of his rights and obligations under this
Agreement unless with the prior consent of the Pledgee.

	 
	 	9.2	 	This Agreement shall be binding upon the Pledgor and his successors or heirs, and shall be
valid and binding upon the Pledgee and each of its successors, heirs or permitted assigns.

	 
	 	9.3	 	The Pledgee may, at any time and to the extent permitted by laws, transfer or assign all
or any of its rights and obligations under the Loan Agreement to any person designated by it
(natural person or legal person). In this case, such assignee shall have the same rights and
obligations hereunder as those of the Pledgee as if the assignee is a party hereto. When the
Pledgee transfers or assigns the rights and obligations under the Loan Agreement, a written notice
shall be only given by the Pledgee to the Pledgor, and the Pledgor shall, at the request of the
Pledgee, execute the relevant agreements and/or documents with respect to such transfer or
assignment.

	 
	 	9.4	 	A new pledge contract shall be signed between the new parties to the pledge after the
change of the Pledgee as result of the transfer.

	10.	 	Effectiveness and Term

This Agreement is signed on the date first set forth above, and shall become effective from the
date when the pledge of the Equity Interest is recorded on the register of shareholders of
Shenzhen Xinbao.

	11.	 	Termination

This Agreement shall be terminated when the Loan under the Loan Agreement is paid off and the
Pledgor ceases to undertake any obligations under the Loan Agreement, and the Pledgee shall,
within the earliest reasonable and practicable time, offer assistance to complete necessary
formalities so as to discharge the pledge of the Equity Interest.

	12.	 	Handling Charges and Other Expenses

The Pledgee shall be responsible for all the fees and actual expenses in relation to this
Agreement, including but not limited to legal fees, cost of production, stamp tax and any other
taxes and charges. If the Pledgee shall pay the relevant taxes in accordance with the laws, it
shall compensate all such taxes paid by the Pledgor.

 

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	13.	 	Force Majeure

	 	13.1	 	“Force Majeure” means any event that is beyond the reasonable control of either party and
unavoidable or unpreventable after he/it gives reasonable attention, including but not limited to
government act, act of God, fire, explosion, storm, flood, earthquake, tide, lightning or war, but
shortage of credit, funds or financing shall not be deemed to be the event beyond the reasonable
control of either party. The party who is affected by the “Force Majeure” shall inform the other
party as soon as possible of the event, in respect of which the exemption from such obligations is
sought.

	 
	 	13.2	 	Should the performance of this Agreement be delayed or prevented due to any “Force
Majeure” defined above, the party who is affected by the “Force Majeure” shall not be required to
assume any liabilities hereunder to the extent that it is within the scope of the delay or
prevention. The party so affected shall take appropriate measures to minimize or eliminate the
impact of “Force Majeure”, and make endeavors to resume the performance of the obligations delayed
or prevented by the “Force Majeure”. Both parties agree to make their best efforts to resume the
performance of this Agreement once the “Force Majeure” is eliminated.

	14.	 	Confidentiality

Both parties agree and acknowledge that any oral or written information exchanged between them
in connection with this Agreement shall be confidential information. Each party shall keep
confidential all such information, and shall not disclose any of the information to any third
party without the prior written consent of the other party, except for the following: (a) the
information that is or will be known to the public (provided that it is not disclosed to the
public without authorization by the information receiving party); (b) the information required
to be disclosed by applicable laws or stock exchange’s rules or regulations; or (c) the
information required to be disclosed by either party to his/its legal or financial advisors
with respect to the transaction contemplated under this Agreement, for which such legal or
financial advisors shall also comply with the confidentiality obligations similar to those
stated in this Article. Any divulgence of confidential information by any personnel of either
party or any institutions engaged by him/it shall be deemed as the divulgence of confidential
information by such party, and such party shall be liable for the breach pursuant to this
Agreement.

15. Dispute Resolution

	 	15.1	 	This Agreement shall be governed by and construed in accordance with the PRC laws.

	 
	 	15.2	 	Any dispute between the parties arising from the interpretation and performance of the
provisions of this Agreement shall be settled by both parties in good faith through negotiations.
In case no settlement can be reached by both parties, either party may refer such dispute to the
China
International Economic and Trade Arbitration Commission (“CIETAC”) for arbitration in accordance
with its arbitration rules then in effect. The seat of arbitration shall be Shenzhen and the
language of proceedings shall be Chinese. The arbitral award shall be final and binding upon both
parties.

 

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	16.	 	Notice

Any notice given by the parties hereto for the purpose of performing the rights and obligations
hereunder shall be in writing. Such notice is deemed to be duly received: if by hand delivery,
at the time of delivery; if by telex or facsimile, at the time of transmission. If such notice
does not reach the addressee on a business day or reaches the addressee after the business
hours, the next business day following such day is the date of delivery. The delivery place
shall be the address of each party hereto as first written above or other address advised by
such party in writing (including facsimile and telex) subsequently from time to time.

	17.	 	Integrity of this Agreement

Notwithstanding Article 10 hereof, both parties agree that upon its effectiveness, this
Agreement constitutes the entire agreement and understanding between both parties with respect
to the subject matter thereof and supersedes and replaces all prior oral and/or written
agreements and understandings between both parties with respect to the subject matter thereof.

	18.	 	Severability of this Agreement

Should any provision of this Agreement be held invalid or unenforceable due to its
inconsistency with the relevant laws, such provision shall be invalid only to the extent within
the scope of the related jurisdiction, and shall not affect the legal effect of the other
provisions hereof.

	19.	 	Amendment or Supplement to this Agreement

	 	19.1	 	The parties hereto may make amendments or supplements to this Agreement by written
agreement. All amendment agreements and supplemental agreements in relation to this Agreement that
are duly signed by both parties shall form an integral part of this Agreement, and shall have the
same legal effect as this Agreement.

	 
	 	19.2	 	This Agreement and any amendments, supplements or changes thereof shall be in writing and
will come into effect upon being executed and sealed by both parties hereto.

	20.	 	Counterparts

This Agreement is executed in three originals in Chinese, with each of Party A and Party B
holding one original. All originals shall have the same legal effect.

IN WITNESS WHEREOF, each party has caused this Agreement to be executed by himself/itself or
his/its legal representative or authorized representative as of the date first above written.

[No text below]

 

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[The remainder of this page is intentionally left blank]

IN WITNESS WHEREOF, each party has caused this Agreement to be executed by his/its legal
representative or authorized representative or himself/itself as of the date first above written.

Pledgee: Ying Si Kang Information Technology (Shenzhen) Co., Ltd.

Legal Representative/Authorized Representative:  /s/ Yuan Tian                                        

Chop: [Chop affixed]

Pledgor: Chunlin Wang

Signature: /s/ Chunlin Wang                                         

Third Party: Shenzhen Xinbao Investment Management Co., Ltd.

Legal Representative/Authorized Representative: /s/ Yuan Tian                                         

Chop: [Chop affixed]

 

8Exhibit 4.24

Exhibit
4.24

English Translation for Reference

EXCLUSIVE PURCHASE OPTION AGREEMENT

THIS EXCLUSIVE PURCHASE OPTION AGREEMENT (hereinafter “this Agreement”) is entered into by the
following Parties in Shenzhen as of December 3, 2010:

Party A: Ying Si Kang Information Technology (Shenzhen) Co., Ltd.

Address: Rom 2108-2110-35, Jiahe Huaqiang Building, Shennan Road, Futian District, Shenzhen

Party B: Chunlin Wang

ID card No.: 430625196905225317

Party C: Shenzhen Xinbao Investment Management Co., Ltd.

Address: Rom 2108-2110-22, Jiahe Huaqiang Building, Shennan Road, Futian District, Shenzhen

In this Agreement, Party A, Party B and Party C are referred to individually as a “Party” and
collectively as the “Parties”.

WHEREAS:

	1.	 	Party A is a wholly foreign-owned enterprise incorporated under the laws of the People’s
Republic of China (hereinafter the “PRC”);

	 
	2.	 	Party C is a limited liability company incorporated in Shenzhen, the PRC;

	3.	 	Party B is a shareholder of Party C. Party B holds 95% equity interest in Party C
(hereinafter the “Equity Interest”);

	4.	 	Party A and Party B signed the Loan Agreement on December 3, 2010, pursuant to which
Party B will borrow a loan of Twenty-Eight Thousand Five Hundred Renminbi (RMB28,500) from
Party A;

	5.	 	Party A and Party B signed the Equity Pledge Agreement on December 3, 2010, pursuant
to which Party B will pledge his Equity Interest in Party C as a guarantee for the loan under
the Loan Agreement;

	6.	 	Party B intends to grant an exclusive purchase option to Party A so that Party A may request
Party B to sell his Equity Interest to it upon certain conditions are met.

	7.	 	Simultaneously with the execution hereof, Party A signed the Exclusive Purchase Option
Agreements with Yuan Tian, another shareholder of Party C, pursuant to the terms similar to
this Agreement. In accordance with the Exclusive Purchase Option Agreement, Yuan Tian will
grant to Party A an exclusive purchase option for the purchase of his Equity Interest in Party
C.

 

 

 

NOW, THEREFORE, the Parties hereby agree as follows for mutual observance after friendly
consultation:

1. Purchase and Sale of Equity Interest

	 	1.1	 	Grant of Option

	 
	 	 	 	Party B hereby irrevocably grants to Party A an option to purchase or cause any person or
persons designated by Party A (hereinafter the “Designee”) to purchase from Party B
all or part of his Equity Interest in Party C (hereinafter the “Call
Option”) at any time according to the steps determined by Party A at its own discretion
to the extent permitted by PRC Laws and at the price specified in Article 1.3 of this
Agreement. No Call Option shall be granted to any other third person other than
Party A and/or the Designee. Party B shall not sell, offer to sell, transfer or
offer as gift any Equity Interest to any other third person. Party C hereby agrees to the
grant of the Call Option by Party B to Party A and/or the Designee. The
“person” set forth in this Article and this Agreement includes an individual, corporation,
joint venture, partnership, enterprise, trust or a non-corporate body.

	 
	 	1.2	 	Exercising Steps

	 
	 	 	 	Subject to the PRC laws and regulations, Party A and/or the Designee may exercise the Call
Option by giving a written notice (hereinafter the “Equity Purchase Notice”) to Party B,
which specifies the Equity Interest to be purchased from Party B (hereinafter the
“Purchased Equity”) and the manner in which purchase is made.

	 
	 	1.3	 	Purchase Price

	 	1.3.1	 	When Party A exercises the Call Option, the purchase price of the
Purchased Equity (the “Purchase Price”) shall be equal to the actual
capital contribution made by Party B for the Purchased Equity, unless
an appraisal is required to be made in respect of the Equity Interest by applicable PRC
laws and regulations then in effect or there are other restrictions imposed by such PRC
laws and regulations on the price of Equity Interest.

	 	1.3.2	 	If an appraisal is required to be made in respect of the Equity Interest by
the PRC laws and regulations that are applicable at the time when Party A exercises its
Call Option or there are other restrictions imposed by such PRC laws and regulation on
the price of Equity Interest, the
Parties agree that the Purchase Price shall be the lowest price permitted by
applicable laws.

 

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	 	1.4	 	Transfer of the Purchased Equity

	 
	 	 	 	At each exercise of the Call Option:

	 	1.4.1	 	Party B shall cause Party C to convene a shareholders’ meeting in a
timely manner, during which a resolution approving the transfer by Party B of
his Equity Interest to Party A and/or the Designee shall be passed;

	 
	 	1.4.2	 	Party B shall, pursuant to the requirements of this Agreement and the Equity
Purchase Notice in connection with the Purchased Equity, enter into an equity transfer agreement
with Party A and/or the Designee (as applicable) for each transfer; 

	 
	 	1.4.3	 	The related parties shall execute all other necessary contracts, agreements or
documents, obtain all necessary government approvals and consents and take all necessary actions to
grant the valid ownership of the Purchased Equity to Party A and/or the Designee without any
security interest being attached thereto and cause Party A and/or the Designee to be the registered
owner of the Purchased Equity. In this Article and this Agreement, “Security Interest” includes
guarantee, mortgage, pledge, third party right or interest, any share option, right of acquisition,
right of first refusal, right of set-off, ownership detainment or other security arrangements, but
excluding any security interest arising under the Equity Pledge Agreement. 

	 	1.5	 	Payment

	 
	 	 	 	The payment method of the Purchase Price shall be determined by Party A and/or the
Designee and Party B through negotiation according to the laws applicable at the time when
the Call Option is exercised. The Parties hereby agree that Party B shall refund to Party A
any amount that is paid by Party A and/or the Designee to Party B with respect to the
Purchased Equity in accordance with laws so as to repay his loan principal under the Loan
Agreement as well as the loan interest or fund utilization costs permitted by laws.

	2.	 	Undertakings Relating to the Equity Interest 

	 	2.1	 	Undertakings by Party C

	 
	 	 	 	Party B and Party C hereby undertake:

	 	2.1.1	 	Not to supplement, amend or modify Party C’s articles of association in any way, or to
increase or decrease its registered capital, or to change its registered capital structure in any
way without Party A’s prior written consent;

	 
	 	2.1.2	 	To maintain its existence, and to operate its business and deal with matters prudently
and effectively, subject to good financial and business rules and practices;

 

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	 	2.1.3	 	Not to sell, transfer, mortgage or otherwise dispose of, or cause any other security
interest to be created on, the legal or beneficial interests in any of Party C’s assets, business
or income at any time after the signing of this Agreement without Party A’s prior written consent;

	 
	 	2.1.4	 	Not to create, succeed to, guarantee or permit any liability, without Party A’s prior
written consent, except (i) the liability arising from the usual or normal course of business, but
not arising from the loan; and (ii) the liability disclosed to Party A and approved by Party A in
writing;

	 
	 	2.1.5	 	To operate persistently all the business in the normal course of business to maintain
the value of Party C’s assets, and not to do any act/omission affecting its operations and asset
value;

	 
	 	2.1.6	 	Without the prior written consent of Party A, not to enter into any material agreement,
other than the agreements in the normal course of business (for the purpose of this Agreement, an
agreement will be deemed material if its value exceeds One Hundred Thousand Renminbi (RMB100,000);

	 
	 	2.1.7	 	Without the prior written consent of Party A, not to provide loan or credit to any
person;

	 
	 	2.1.8	 	To provide information concerning Party C’s operations and financial condition at Party
A’s request;

	 
	 	2.1.9	 	To purchase and maintain the insurance at the insurance company acceptable to Party A,
whose amount and type shall be the same as those of the insurance normally procured by the
companies engaged in similar businesses and possessing similar properties or assets in the area
where Party C is located;

	 
	 	2.1.10	 	Not to be merged or consolidated with, acquire or invest in, any other person without
Party A’s prior written consent;

	 
	 	2.1.11	 	To inform promptly Party A of any existing or potential litigation, arbitration or
administrative proceedings concerning Party C’s assets, business or income;

	 
	 	2.1.12	 	To execute all necessary or appropriate documents, to take all necessary or appropriate
actions and to bring all necessary or appropriate claims or to make all necessary and appropriate
defenses against all claims in order for Party C to maintain the ownership over all its assets;

	 
	 	2.1.13	 	Not to distribute dividends to Party C’s shareholders in any way without Party A’s
prior written consent. However, Party C shall promptly distribute all or part of its distributable
profits to Party A’s shareholders upon Party A’s request;

	 
	 	2.1.14	 	At the request of Party A, to appoint any person nominated by Party A as the director
of Party C.

 

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	 	2.2	 	Undertakings by Party B

	 
	 	 	 	Party B hereby undertakes:

	 	2.2.1	 	Not to sell, transfer, pledge or otherwise dispose of, or cause any other security
interest to be created on, the legal or beneficial interest in his Equity Interest at any time
after the signing of this Agreement without Party A’s prior written consent, but except the right
of pledge created on Party B’s Equity Interest in accordance with the Equity Pledge Agreement;

	 
	 	2.2.2	 	Without Party A’s prior written consent, not to vote for or support or execute at
shareholders’ meetings of Party C any shareholders’ resolution approving the sale, transfer,
mortgage or otherwise disposal of, or causing any other security interest to be created on, his
legal or beneficial interest in the Equity Interest of Party C, except to Party A or its Designee;

	 
	 	2.2.3	 	Without Party A’s prior written consent, not to vote for or support or execute at
shareholders’ meetings of Party C any resolution approving Party C to be merged or consolidated
with, acquire or invest in, any person;

	 
	 	2.2.4	 	To irrevocably agree to the grant by Party C’s another shareholder, Yuan Tian, of an
exclusive Call Option to Party A, and to irrevocably waive his preemptive right to such Equity
Interest to be transferred by Yuan Tian to Party A when Party A exercises its Call Option;

	 
	 	2.2.5	 	To promptly inform Party A of any existing or potential litigation, arbitration or
administrative proceedings with respect to his Equity Interest;

	 
	 	2.2.6	 	To cause the shareholders’ meeting of Party C to approve the transfer of the Purchased
Equity under this Agreement;

	 
	 	2.2.7	 	To execute all necessary or appropriate documents, to take all necessary or appropriate
actions and to bring all necessary or appropriate claims or to make all necessary and appropriate
defenses against all claims in order to maintain the ownership over his Equity Interest;

	 
	 	2.2.8	 	At Party A’s request, to appoint any person nominated by Party A as the director of
Party C;

	 
	 	2.2.9	 	To strictly comply with the provisions of this Agreement and other agreements
entered into jointly or severally by and among Party B, Party C and Party A, to perform all
obligations under these agreements and not to do any act/omission that affects or impairs the
validity and enforceability of these agreements.

 

5

 

	3.	 	Representations and Warranties

	 
	 	 	As of the execution date of this Agreement and every transfer date, Party B and Party C hereby
represent and warrant to Party A as follows:

	 	3.1	 	They have the power to execute and deliver this Agreement and any equity transfer agreement
(each, a “Transfer Agreement”) to which they are a party and which is entered into in respect of
each transfer of the Purchased Equity under this Agreement and to perform their respective
obligations under this Agreement and any Transfer Agreement. Once executed, this Agreement and any
Transfer Agreement to which they are a party will constitute a legal, valid and binding obligation
and shall be enforceable against them in accordance with the provisions thereof;

	 
	 	3.2	 	The execution, delivery and performance of this Agreement or any Transfer Agreement and the
performance of their respective obligations under this Agreement or any Transfer Agreement shall
not: (i) violate any relevant PRC laws and regulations; (ii) conflict with their Articles of
Association or other organizational documents; (iii) violate any contract or instrument to which
they are a party or that binds upon them; (iv) violate any permit or approval granted to them
and(or) any condition remaining in force; or (v) cause any permit or approval granted to them to be
suspended, cancelled or attached with additional conditions;

	 
	 	3.3	 	Party C has good and saleable ownership over all assets. Party C has not created any security
interest on the above assets;

	 
	 	3.4	 	Party C has no outstanding debts, except (i) debts arising from its normal course of business;
and (ii) debts disclosed to Party A and approved by Party A in writing;

	 
	 	3.5	 	Party C complies with all the PRC laws and regulations applicable to the acquisition of assets;

	 
	 	3.6	 	Currently, there are no existing, pending or threatened litigation, arbitration or
administrative proceedings related to the Equity Interest and Party C’s assets or Party C; and

	 
	 	3.7	 	Party B has good and saleable ownership over all his Equity Interest and has not created any
security interest on such Equity Interest, but excluding the security interest under the Equity
Pledge Agreement.

	4.	 	Assignment of this Agreement

	 	4.1	 	Party B and Party C shall not transfer any of their rights and obligations under this Agreement
to any third party without the prior written consent of Party A.

 

6

 

	 	4.2	 	Party B and Party C hereby agree that Party A shall have the right to transfer all of its
rights and obligations under this Agreement to other third parties when necessary. Party A
shall only be required to serve written notice to Party B and Party C when such transfer is
made, and no consent shall be further required from Party B and Party C in respect of such
transfer.

	5.	 	Effectiveness and Term

	 	5.1	 	This Agreement shall become effective as of the date first above written.

	 
	 	5.2	 	The term of this Agreement shall be ten (10) years unless it is early terminated in accordance
with the provisions of this Agreement or the relevant agreements separately signed by the Parties.
The term of this Agreement may be extended with the written confirmation of Party A before its
expiration. The extension thereof shall be agreed upon by the Parties through negotiation.

	 
	 	5.3	 	If the operation term (including any extension thereof) of Party A or Party C expires or
either Party terminates for other reasons within the term set forth in Article 5.2, this
Agreement shall be terminated at the time of the termination of such Party, unless Party A has
transferred its rights and obligations in accordance with Article 4.2 hereof.

	6.	 	Applicable Law and Dispute Resolution

	 	6.1	 	Applicable Law

	 
	 	 	 	The formation, validity, interpretation and performance of and settlement of disputes
under this Agreement shall be protected and governed by the laws of PRC.

	 
	 	6.2	 	Dispute Resolution

	 
	 	 	 	Any dispute arising from the interpretation and performance of the provisions of this
Agreement shall be resolved by the Parties through amicable negotiation. In case no
resolution can be reached by the Parties within thirty (30) days after either party makes
a request for dispute resolution through negotiation, either party may refer such dispute
to China International Economic and Trade Arbitration Commission for arbitration in
accordance with its arbitration rules then in effect. The seat of arbitration shall be
Shenzhen and the language of proceedings shall be Chinese. The arbitral award shall be
final and binding upon the Parties.

	7.	 	Taxes and Expenses

	 
	 	 	Every Party shall bear any and all transfer and registration taxes, expenses and charges
incurred by or levied on it in accordance with the PRC laws in connection with the
preparation and execution of this Agreement and each Transfer Agreement, and the
consummation of the transactions contemplated under this Agreement and each Transfer
Agreement.

 

7

 

	8.	 	Notices

	 
	 	 	Any notice or other communications required to be given by either party pursuant to this
Agreement shall be written in English or Chinese and delivered to the following address of
the other Party by hand delivery, mail or facsimile. Such notice shall be deemed to be duly
served: (a) if by hand delivery, on the date of delivery; (b) if by mail, on the tenth
(10th) day after the date of posting (as indicated on the postmark) of air
registered mail (postage prepaid), or if by courier service, on the fourth (4th)
day after being delivered to an internationally recognized courier service; or (c) if by fax,
at the receiving time as indicated in the transmission confirmation of the relevant document.

	9.	 	Confidentiality

The Parties agree and acknowledge that any oral or written information exchanged between them
in connection with this Agreement shall be confidential information. Each Party shall keep
confidential all such information, and shall not disclose any of the information to any third
party without the prior written consent of the other Party, except for the following:

	 	(a)	 	the information that is or will be known to the public (provided that it is not disclosed
to the public without authorization by the information receiving party);

	 
	 	(b)	 	the information required to be disclosed by applicable laws or stock exchange’s rules or
regulations; or

	 
	 	(c)	 	the information required to be disclosed by either Party to his/its legal or financial
advisors with respect to the transaction contemplated under this Agreement, for which such legal or
financial advisors shall also comply with the confidentiality obligations similar to those stated
in this Article. Any divulgence of confidential information by any personnel of either Party or any
institutions engaged by him/it shall be deemed as the divulgence of confidential information by
such Party, and such Party shall be liable for the breach pursuant to this Agreement. This article
shall survive regardless of whether this Agreement is invalid, discharged, terminated or cannot be
operated due to any reason.

	10.	 	Further Assurance

	 
	 	 	The Parties agree to promptly execute the documents reasonably required to perform the
provisions and the aim of this Agreement or beneficial to it, and to take the further actions
reasonably required to perform the provisions and the aim of this Agreement or beneficial to
it.

	 
	11.	 	Miscellaneous

	 	11.1	 	Amendment, Modification and Supplement

	 
	 	 	 	The Parties may make amendments or supplements to this Agreement by written agreement.
All amendment agreements and supplemental agreements to this Agreement that are duly
signed by the Parties shall form an integral part of this Agreement, and shall have
the same legal effect as this Agreement.

 

8

 

	 	11.2	 	Integrity of this Agreement

The Parties acknowledge that once this Agreement becomes effective, it shall constitute the
entire agreement and understanding between the Parties with respect to the subject matter
hereof and supersedes all prior oral and/or written agreements and understandings reached by
the Parties with respect to the subject matter hereof.

	 	11.3	 	Severability of this Agreement

If any provision or provisions of this Agreement is/are held to be invalid, illegal or
unenforceable in any respect in accordance with any laws or regulations, the validity,
legality and enforceability of the other provisions hereof shall not be affected or impaired
in any respect. The Parties shall, through amicable negotiation, strive to replace those
invalid, illegal or unenforceable provision or provisions with valid provision or provisions,
and the economic effect of such valid provision or provisions shall be as close as possible
to the economic effect of those invalid, illegal or unenforceable provision or provisions.

	 	11.4	 	Headings

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

	 	11.5	 	Language and Counterparts

This Agreement is executed in Chinese in four (4) originals and each Party shall hold one
original. All of them shall have the same legal effect.

	 	11.6	 	Successors

This Agreement shall be binding upon and inure to the interest of the respective successors
or heirs of the Parties and the permitted assignees of such Parties.

	 	11.7	 	Survival

Any obligations that occur or are due as a result of this Agreement before the expiration
or early termination of this Agreement shall survive the expiration or early termination
hereof. The provisions of Articles 6, 8 and 9 and this Article 11.7 hereof shall survive
the termination of this Agreement.

 

9

 

	11.8	 	Waiver

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

[No Text Below]

 

10

 

[The remainder of this page is intentionally left blank]

IN WITNESS WHEREOF, each Party has caused this Agreement to be executed by his/its legal
representatives or duly authorized representative or himself/itself as of the date first above
written.

Party A: Ying Si Kang Information Technology (Shenzhen) Co., Ltd.

Legal Representative/Authorized Representative:  /s/ Yuan Tian                                         

Chop: [Chop affixed]

Party B: Chunlin Wang

Signature:  /s/ Chunlin Wang                                        

Party C: Shenzhen Xinbao Investment Management Co., Ltd.

Legal Representative/Authorized Representative:  /s/ Yuan Tian                                          

Chop: [Chop affixed]

 

11

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