Document:

Exhibit 10.1

 

EMPLOYMENT AGREEMENT

 

This EMPLOYMENT AGREEMENT (the “Agreement”),
is entered into as of _________, 2018 (the “Effective Date”), by and between HeZhong International (Holding)
Limited, a Cayman Islands exempted company (the “Company”) and _________, an individual (the “Executive”).
Except with respect to the direct employment of the Executive by the Company, the term “Company” as used herein with
respect to all obligations of the Executive hereunder shall be deemed to include the Company and all of its subsidiary and variable
interest entity (collectively, the “Group”).

 

RECITALS

 

WHEREAS, the Company desires to employ
the Executive as its _________and to assure itself of the services of the Executive during the term of Employment (as defined below);
and

 

WHEREAS, the Executive desires to be employed
by the Company as its _________ during the term of Employment and upon the terms and conditions of this Agreement.

 

NOW, THEREFORE, in consideration of the
mutual promises set forth in this Agreement, the parties agree as follows:

 

	1.  	POSITION

 

The Executive hereby accepts the position
of _________ (the “Employment”) of the Company.

 

	2.  	TERM

 

Subject to the terms and conditions of
this Agreement, the initial term of the Employment shall be ______ year commencing on the Effective Date, unless terminated earlier
pursuant to the terms of this Agreement. The Employment will be renewed automatically for additional _______ terms if neither the
Company nor the Executive provides a notice of termination of the Employment to the other party within thirty (30) days prior to
the expiration of the applicable term.

 

	3.  	DUTIES AND RESPONSIBILITIES

 

	 	(a)	The Executive’s duties at the Company will include all the duties and responsibilities associated with a _______ of a U.S. listed public company with primary operations in the People’s Republic of China. As _________ of the Company, the Executive shall be primarily responsible for _________, as well as all tasks and responsibilities normally associated with the offices of _________ of an online marketplace lending business of similar size and nature to the Company. During the term of his Employment, Executive shall report to and be responsible to the Company’s _________ board of directors (including any designated audit or other committee thereof) (the “Board”). Executive shall also perform such other duties and responsibilities as may be determined by the Board _________, as long as such duties and responsibilities are consistent with those of the Company’s _________.

 

	 	(b)	The Executive shall devote all of his working time, attention and skills to the performance of his duties to the Company and the Group and shall faithfully and diligently serve the Company and the Group in accordance with this Agreement, the Articles of Incorporation and Bylaws of the Company, as amended and restated from time to time, and the guidelines, policies and procedures of the Company approved from time to time by the Board.

 

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	 	(c)	The Executive shall use his best efforts to perform his duties hereunder. The Executive shall not, without the prior written consent of the Board, become an employee of any entity other than the Company and any member of the Group, and shall not be concerned or interested in any business or entity that engages in the same business in which the Company or any member of the Group engages (any such business or entity, a “Competitor”), provided that nothing in this clause shall preclude the Executive from holding less than one percent (1%) of the outstanding equity of any Competitor that is listed on any securities exchange or recognized securities market anywhere. The Executive shall notify the Company in writing of his interest in such shares or securities in a timely manner and with such details and particulars as the Company may reasonably require.

 

	4.  	NO BREACH OF CONTRACT

 

The Executive hereby represents to the
Company that: (i) the execution and delivery of this Agreement by the Executive and the performance by the Executive of his
duties hereunder shall not constitute a breach of, or otherwise contravene, the terms of any other agreement or policy to which
the Executive is a party or otherwise bound except for agreements entered into by and between the Executive and any member of the
Group pursuant to applicable law, if any; (ii) that the Executive has no information (including, without limitation, confidential
information and trade secrets) relating to any other person or entity which would prevent, or be violated by, the Executive entering
into this Agreement or carrying out his duties hereunder; (iii) that the Executive is not bound by any confidentiality,
trade secret or similar agreement (other than this) with any other person or entity except for other member(s) of the Group, as
the case may be.

 

	5.  	LOCATION

 

The Executive will be based in Guangdong
Province, China. The Company reserves the right to transfer or second the Executive to any location in China or elsewhere in accordance
with its operational requirements.

 

	6.  	COMPENSATION AND BENEFITS

 

	 	(a)	Base Salary. The Executive’s initial pre-tax base salary shall be USD _________ per month, paid monthly in arrears in accordance with the Company’s regular payroll practices, and such compensation is subject to annual review and adjustment by the Board in its sole discretion.  The Executive shall also be entitled to receive salary, as and in the amount approved by the Board, from any member of the Group. 

 

	 	(b)	Bonus. The Executive shall be eligible for cash bonuses as determined by the Board in its sole discretion. 

 

	 	(c)	Equity Incentives. To the extent the Company adopts and maintains an equity incentive plan, the Executive will be eligible to participate in such plan pursuant to the terms thereof as determined by the Board.

 

	 	(d)	Benefits. The Executive is eligible for participation in any standard employee benefit plan of the Company that currently exists or may be adopted by the Company in the future, including, but not limited to, any retirement plan, life insurance plan, health insurance plan and travel/holiday plan, provided that such plans shall be subject to review and approval by the Board.

 

	 	(e)	Expenses. The Executive shall be entitled to reimbursement by the Company for all reasonable ordinary and necessary travel and other expenses incurred by the Executive in the performance of his duties under this Agreement; provided that he properly accounts for such expenses in accordance with the Company’s policies and procedures.

 

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	7.  	TERMINATION OF THE AGREEMENT

 

		(a)	By the Company.

 

		(i)	For Cause. The Company may terminate the Employment
for cause, at any time, without notice or remuneration (unless notice or remuneration is specifically required by applicable
law, in which case notice or remuneration will be provided in accordance with applicable law), if:

 

		(1)	the Executive is convicted or pleads guilty to a felony
or to an act of fraud, misappropriation or embezzlement;

 

		(2)	the Executive has been grossly negligent or acted dishonestly to the detriment of the Company;

 

		(3)	the Executive has engaged in actions amounting to willful misconduct or failed to perform his duties
hereunder and such failure continues after the Executive is afforded not less than fifteen (15) days to cure such failure; or

 

		(4)	the Executive violates Sections 8, 9 or 10 of this Agreement.

 

Upon termination for “cause”,
the Executive shall be entitled to the amount of base salary earned and not paid prior to termination. However, the Executive
will not be entitled to receive payment of any severance benefits or other amounts by reason of the termination, and the Executive’s
right to all other benefits will terminate, except as required by any applicable law.

 

		(ii)	For Death and Disability. The Company may also terminate
the Employment, at any time, without notice or remuneration (unless notice or remuneration is specifically required by applicable
law, in which case notice or remuneration will be provided in accordance with applicable law), if:

 

		(1)	the Executive has died, or

 

		(2)	the Executive has a disability which shall mean a physical or mental impairment which, as reasonably
determined by the Board, renders the Executive unable to perform the essential functions of his employment with the Company, with
or without reasonable accommodation, for more than 120 days in any 12-month period, unless a longer period is required by applicable
law, in which case that longer period would apply.

 

Upon termination for death or
disability, the Executive shall be entitled to the amount of base salary earned and not paid prior to termination. However,
the Executive will not be entitled to receive payment of any severance benefits or other amounts by reason of the termination,
and the Executive’s right to all other benefits will terminate, except as required by any applicable law.

 

		(iii)	Without Cause. The Company may terminate the Employment
without cause, at any time, upon thirty (30) days’ prior written notice. Upon termination without cause, the Company shall
provide the following severance payments and benefits to the Executive: a cash payment of one month of the Executive’s base
salary as of the date of such termination for each year (which is any period longer than six months but no more than one year)
and a cash payment of half month of the Executive’s base salary as of the date of such termination for any period of employment
no more than six months, provided that the total severance payments shall not exceed twelve months of the Executive’s base
salary.

 

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Upon termination without cause, the Executive
shall also be entitled to the amount of base salary earned and not paid prior to termination.

 

In order to be eligible for, and as a condition
precedent for the payment of, the severance payments and benefits under this Section 7(a)(iii), the Executive must execute and
deliver to the Company a general release of the Company and all members of the Group and their affiliates in a form reasonably
satisfactory to the Board.

 

		(iv)	Change of Control Transaction. If the Company or
its successor terminates the Employment upon a merger, consolidation, or transfer or sale of all or substantially all of
the assets of the Company with or to any other individual(s) or entity (the “Change of Control Transaction”),
the Executive shall be entitled to the following severance payments and benefits upon such termination: (1) a lump sum cash
payment equal to 3 months of the Executive’s base salary at a rate equal to the greater of his annual salary in effect
immediate1y prior to the termination, or his then current annua1 salary as of the date of such termination; (2) a lump sum
cash payment equal to a pro-rated amount of his target annual bonus for the year immediately preceding the termination; (3) payment
of premiums for continued health benefits under the Company’s health plans for 3 months fo1lowing the termination; and (4) immediate
vesting of 100% of the then-unvested portion of any outstanding equity awards held by the Executive.

 

		(b)	By the Executive. The Executive may terminate the
Employment at any time with thirty (30) days’ prior written notice to the Company without cause, if (1) there is a
material reduction in the Executive’s authority, duties and responsibilities unless such reduction was made with his consent,
or (2) there is a material reduction in the Executive’s annual salary (the occurrences in (1) and (2) being referred
to as “Good Reason”). Upon the Executive’s termination of the Employment due to either of the above reasons,
the Company shall provide compensation to the Executive equivalent to 3 months of the Executive’s base salary that he is
entitled to immediately prior to such termination. In addition, the Executive may resign prior to the expiration of the Agreement
if such resignation is approved by the Board or an alternative arrangement with respect to the Employment is agreed to by the
Board.

 

In order to be eligible for, and as a condition precedent for
the payment of, the severance payments and benefits under this Section 7(b), the Executive must execute and deliver to the Company
a general release of the Company and all members of the Group and their affiliates in a form reasonably satisfactory to the Board.

 

		(c)	Notice
of Termination. Any termination of the Executive’s employment under this Agreement shall be communicated by written
notice of termination from the terminating party to the other party. The notice of termination shall indicate the specific provision(s)
of this Agreement relied upon in effecting the termination.

 

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	8.  	CONFIDENTIALITY AND NONDISCLOSURE

 

	 	(a)	Confidentiality and Non-disclosure. The Executive hereby agrees at all times during the term of the Employment and after its termination, to hold in the strictest confidence, and not to use, except for the benefit of the Company, or to disclose to any person, corporation or other entity without written consent of the Company, any Confidential Information. The Executive understands that “Confidential Information” means any proprietary or confidential information of the Company, its affiliates, or their respective clients, customers or partners, including, without limitation, technical data, trade secrets, research and development information, product plans, services, customer lists and customers, supplier lists and suppliers, software developments, inventions, processes, formulas, technology, designs, hardware configuration information, personnel information, marketing, finances, information about the suppliers, joint ventures, franchisees, distributors and other persons with whom the Company does business, information regarding the skills and compensation of other employees of the Company or other business information disclosed to the Executive by or obtained by the Executive from the Company, its affiliates, or their respective clients, customers or partners either directly or indirectly in writing, orally or otherwise, if specifically indicated to be confidential or reasonably expected to be confidential. Notwithstanding the foregoing, Confidential Information shall not include information that is generally available and known to the public through no fault of the Executive.

 

	 	(b)	Company Property. The Executive understands that all documents (including computer records, facsimile and e-mail) and materials created, received or transmitted in connection with his work or using the facilities of the Company are property of the Company and subject to inspection by the Company, at any time. Upon termination of the Executive’s employment with the Company (or at any other time when requested by the Company), the Executive will promptly deliver to the Company all documents and materials of any nature pertaining to his work with the Company and will provide written certification of his compliance with this Agreement. Under no circumstances will the Executive have, following his termination, in his possession any property of the Company, or any documents or materials or copies thereof containing any Confidential Information.

 

	 	(c)	Former Employer Information. The Executive agrees that he has not and will not, during the term of his employment, (i) improperly use or disclose any proprietary information or trade secrets of any former employer or other person or entity with which the Executive has an agreement or duty to keep in confidence information acquired by Executive, if any, or (ii) bring into the premises of the Company any document or confidential or proprietary information belonging to such former employer, person or entity unless consented to in writing by such former employer, person or entity. The Executive will indemnify the Company and hold it harmless from and against all claims, liabilities, damages and expenses, including reasonable attorneys’ fees and costs of suit, arising out of or in connection with any violation of the foregoing.

 

	 	(d)	Third Party Information. The Executive recognizes that the Company may have received, and in the future may receive, from third parties their confidential or proprietary information subject to a duty on the Company’s part to maintain the confidentiality of such information and to use it only for certain limited purposes. The Executive agrees that the Executive owes the Company and such third parties, during the Executive’s employment by the Company and thereafter, a duty to hold all such confidential or proprietary information in the strictest confidence and not to disclose it to any person or firm and to use it in a manner consistent with, and for the limited purposes permitted by, the Company’s agreement with such third party.

 

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This Section 8 shall survive the termination
of this Agreement for any reason. In the event the Executive breaches this Section 8, the Company shall have right to seek
remedies permissible under applicable law.

 

	9.  	CONFLICTING EMPLOYMENT

 

The Executive hereby agrees that, during
the term of his employment with the Company, he will not engage in any other employment, occupation, consulting or other business
activity related to the business in which the Company is now involved or becomes involved during the term of the Executive’s
employment, nor will the Executive engage in any other activities that conflict with his obligations to the Company without the
prior written consent of the Company.

 

	10.  	NON-COMPETITION AND NON-SOLICITATION

 

In consideration of the salary paid to
the Executive by the Company, the Executive agrees that during the term of the Employment and for a period of twelve (12) months
following the termination of the Employment for whatever reason:

 

	 	(a)	The Executive will not approach clients, customers or contacts of the Company or the Group, users of the Company’s or the Group’s services, or other persons or entities introduced to the Executive in the Executive’s capacity as a representative of the Company or the Group for the purposes of doing business with such persons or entities which will harm the business relationship between the Company or the Group and such persons and/or entities;

 

	 	(b)	the Executive will not assume employment with or provide services as a director, consultant or otherwise for any Competitor, or engage, whether as principal, partner, licensor or otherwise, in any Competitor; and

 

	 	(c)	the Executive will not seek, directly or indirectly, by the offer of alternative employment or other inducement whatsoever, to solicit the services of any officer, director, or employee of or consultant to the Company or any member of the Group employed or engaged as at or after the date of such termination, or in the twelve (12) months preceding such termination.

 

The provisions contained in Section 10
are considered reasonable by the Executive in order to protect the legitimate business interest of the Company and the Group. In
the event that any such provisions should be found to be void under applicable laws but would be valid if some part thereof was
deleted or the period or area of application reduced, such provisions shall apply with such modification as may be necessary to
make them valid and effective.

 

This Section 10 shall survive the
termination of this Agreement for any reason. In the event the Executive breaches this Section 10, the Executive acknowledges
that there will be no adequate remedy at law, and the Company or the applicable member of the Group shall be entitled to injunctive
relief and/or a decree for specific performance, and such other relief as may be proper (including monetary damages if appropriate).
In any event, the Company or any applicable member of the Group shall have right to seek all remedies permissible under applicable
law.

 

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		11.	INDEMNIFICATION.

 

The Company shall, to the maximum extent
provided under applicable law, indemnify and hold the Executive harmless from and against any expenses, including reasonable attorney’s
fees, judgments, fines, settlements and other legally permissible amounts (“Losses”), incurred in connection with any
proceeding arising out of, or related to, his performance of the Employment, other than any such Losses incurred as a result of
the Executive’s gross negligence or willful misconduct. The Company shall advance to the Executive any expenses, including
reasonable attorneys’ fees and costs of settlement, incurred in defending any such proceeding to the maximum extent permitted
by applicable law. Such costs and expenses incurred by the Executive in defense of any such proceeding shall be paid by the Company
in advance of the final disposition of such proceeding promptly upon receipt by the Company of (a) written request for payment;
(b) appropriate documentation evidencing the incurrence, amount and nature of the costs and expenses for which payment is being
sought; and (c) an undertaking adequate under applicable law made by the Executive or on his behalf to repay the amounts so advanced
if it shall ultimately be determined pursuant to any non-appealable judgment or settlement that the Executive is not entitled to
be indemnified by the Company.

 

	12.  	WITHHOLDING TAXES

 

Notwithstanding anything else herein to
the contrary, the Company may withhold (or cause there to be withheld, as the case may be) from any amounts otherwise due or payable
under or pursuant to this Agreement such national, provincial, local or any other income, employment, or other taxes as may be
required to be withheld pursuant to any applicable law or regulation.

 

	13.  	ASSIGNMENT

 

This Agreement is personal in its nature
and neither of the parties hereto shall, without the consent of the other, assign or transfer this Agreement or any rights or obligations
hereunder; provided, however, that (i) the Company may assign or transfer this Agreement or any rights or obligations hereunder
to any member of the Group without such consent, and (ii) in the event of a Change of Control Transaction, this Agreement
shall, subject to the provisions hereof, be binding upon and inure to the benefit of such successor and such successor shall discharge
and perform all the promises, covenants, duties, and obligations of the Company hereunder. 

 

	14.  	SEVERABILITY

 

If any provision of this Agreement or the
application thereof is held invalid, the invalidity shall not affect other provisions or applications of this Agreement which can
be given effect without the invalid provisions or applications and to this end the provisions of this Agreement are declared to
be severable.

 

	15.  	ENTIRE AGREEMENT

 

This Agreement constitutes the entire agreement
and understanding between the Executive and the Company regarding the terms of the Employment and supersedes all prior or contemporaneous
oral or written agreements concerning such subject matter. The Executive acknowledges that he has not entered into this Agreement
in reliance upon any representation, warranty or undertaking which is not set forth in this Agreement. Any amendment to this Agreement
must be in writing and signed by the Executive and the Company.

 

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	16.  	 GOVERNING LAW; JURISDICTION

 

This Agreement and all issues pertaining
to the Employment or the termination of the Employment shall be governed and interpreted in accordance with the laws of the People’s
Republic China without regard to choice of law principles, except the arbitration provision which shall be governed by the Administered
Arbitration Rules of South China Sub-Commission of China International Economic and Trade Arbitration Commissions (“CIETAC”)
in force when the notice of arbitration is submitted. Executive agrees that if, for any reason, any provision hereof is unenforceable,
the remainder of this Agreement will nonetheless remain binding and in effect. Any dispute regarding the Employment or this Agreement,
other than any injunctive relief available under Section 10 hereof, which cannot be resolved by negotiations between the Executive
and the Company shall be submitted to, and solely determined by, final and binding arbitration conducted by the CIETAC in accordance
with its arbitration rules applicable to employment disputes, and the parties agree to be bound by the final award of the arbitrator
in any such proceeding. The arbitrator shall apply the laws of the People’s Republic China with respect to the interpretation
or enforcement of this Agreement, or to any claims involving the Employment or the termination of the Employment. All questions
regarding whether or not a dispute is subject to arbitration will be resolved by the arbitrator. Arbitration shall be held in Shenzhen,
or such other place as the parties may mutually agree. Judgment upon the award by the arbitrator may be entered in any court having
jurisdiction, including in The People’s Republic of China. The arbitrator shall award costs and attorney fees to the prevailing
party. As part of this Agreement, Executive agrees that Executive may not participate in a representative capacity or as a member
of any class of claims pertaining to any claim against the Company. There is no right or authority for any claims subject to this
Agreement to be arbitrated on a class or collective action basis or on any basis involving claims brought in a purported representative
capacity on behalf of any other person or group of people similarly situated. Such claims are prohibited. Furthermore, claims brought
by or against either the Company or the Executive may not be joined or consolidated in the arbitration with claims brought by or
against any other person or entity unless otherwise agreed to in writing by all parties involved.

 

	17.  	AMENDMENT

 

This Agreement may not be amended, modified
or changed (in whole or in part), except by a formal, definitive written agreement expressly referring to this Agreement, which
agreement is executed by both of the parties hereto.

 

	18.  	WAIVER

 

Neither the failure nor any delay on the
part of a party to exercise any right, remedy, power or privilege under this Agreement shall operate as a waiver thereof, nor shall
any single or partial exercise of any right, remedy, power or privilege preclude any other or further exercise of the same or of
any right, remedy, power or privilege, nor shall any waiver of any right, remedy, power or privilege with respect to any occurrence
be construed as a waiver of such right, remedy, power or privilege with respect to any other occurrence. No waiver shall be effective
unless it is in writing and is signed by the party asserted to have granted such waiver.

 

	19.  	NOTICES

 

All notices, requests, demands and other
communications required or permitted under this Agreement shall be in writing and shall be deemed to have been duly given and made
if (i) delivered by hand, (ii) otherwise delivered against receipt therefor, (iii) sent by a recognized courier
with next-day or second-day delivery, or (iv) by email, to the last known address of the other party, with communications to the
Company being to the attention of the Company’s __________.

 

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	20.  	COUNTERPARTS

 

This Agreement may be executed in any number
of counterparts, each of which shall be deemed an original as against any party whose signature appears thereon, and all of which
together shall constitute one and the same instrument. This Agreement shall become binding when one or more counterparts hereof,
individually or taken together, shall bear the signatures of all of the parties reflected hereon as the signatories.

 

Photographic or electronic copies of such
signed counterparts may be used in lieu of the originals for any purpose, and signed counterparts may be delivered by electronic
means.

 

	21.  	NO INTERPRETATION AGAINST DRAFTER

 

Each party recognizes that this Agreement
is a legally binding contract and acknowledges that it, or he has had the opportunity to consult with legal counsel of choice.
In any construction of the terms of this Agreement, the same shall not be construed against either party on the basis of that party
being the drafter of such terms.

 

[Remainder of this page has been intentionally
left blank.]

 

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IN WITNESS WHEREOF, this Agreement has been executed as of the
date first written above.

 

	 	HeZhong International (Holding) Limited
	 	 	 
	 	By:	                         
	 	Name: 	 
	 	Title:	 
	 	 	 
	 	Executive
	 	 	 
	 	Signature: 	 
	 	Name:	 

 

    	 	10Exhibit
10.2

 

Number:_______________

 

Internet
Loan Information Intermediary

 

Funds
Depository Agreement (Applicable to the Depository System under the Cooperation Mode of Payment Institutions)

 

July
2017

 

Party
A: Bank of Shanghai Co., Ltd. Shi Nan Branch

 

Legal
person: Hongbiao Zhang

 

Contact
Address: No.1885 Qixin Road, Shanghai City

 

Contact:
Bixin Gong

 

Tel:
86 21-52964780

 

Postal
code: 201101

 

Party
B (Internet Loan Information Intermediary):
Shenzhen Hezhong Fortune Finance Investment Management Co., Ltd.

 

Legal
person: Zhaobin Wen

 

Contact:
Wen Yang

 

Tel:
020-22198853

 

Postal
code:

 

    	 1

     

    

 

Whereas:

 

Party
B (hereinafter referred to as “Party B” or “Platform”) shall act as an intermediary for online lending
information established in accordance with laws and regulations and effectively exist in the name of enterprise legal person,
providing legal information intermediary services for investors and financiers like the legal investment and financing information
display, needs matching of investment and financing, link organization and settlement of investment recharging, loan and repayment
accredited by the platform in various ways.

 

Party
A and Party B have reached the following agreement (hereinafter referred to as
the agreement) on depository cooperation of online lending funds through friendly negotiation.

 

I.
General Rules of Cooperation

 

Article
1. Party A and Party B both agree that consider each other as important business cooperation partner. To establish the long-term
and stable cooperation relationship between bank and company, they shall be all committed to innovative cooperation and implementation
of services focusing on funds depository, payment and settlement, customer resource sharing and various Internet finance services.

 

Both
parties agree to regard the other party as an important business partner, commit to innovate and implement the service cooperation
focusing on capital storage, payment and settlement, customer resource sharing and various Internet financial business fields,
and build a long-term and stable cooperative relationship between banks and enterprises.

 

Article
2. Within the period of validity
of this agreement, Party B agrees that Party A will be the only funds depository bank which will set up a platform-owned funds
account for service management, platform risk emergency funds account(if needed), platform funds depository summary account and
so on. Party A shall not change the funds depository bank without Party B’s consent.

 

Article
3. Party A agrees that to implement the Party B’s funds depository service according to the project scheduling. Party A
provide value-added product for Party B’s owned funds based on the latest regulatory policy and Party A’s regulation.

 

Article
4. Party B shall provide the true and accurate transaction information and relevant legal documents, including but not limited
to client’s information, transaction commands, loan information, charging services information, loan contract etc. of online
loan information intermediary. Party A do not take the audit responsibility of loan project and the authenticity
loan transaction information and is not responsible for the authenticity,
veracity and
integrality of the online loan information data. Party B shall be responsible for the business risks and losses caused by Party
B’s intentional fraud, data falsification or data error.

 

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II.
Cooperation Content

 

Article
5. Party A will mainly provide comprehensive finances service,
including the third party bank depository of internet investment and financing funds to Party B and its platform users and its
main content are as followed:

 

(one)
Platform owned funds account, separate management and risk isolation for platform funds depository;

 

(two)
Management on platform risk reserve account, and depository service (if needed);

 

(three)
In the section of platform members’ registration and certification, Party A assists Party B on finishing real-name authentication
of registered members, and meanwhile help the members already passed the authentication to set up transaction settlement funds
management account which is the members’ sub-account under the platform funds storage and summary account;

 

(four)
In the section of members’ account bonding, Party A can provide Party B with authenticity
checking function of the members’ account name and bounding-planned debit card
number, supporting the debit card number bounded as the number of members recharging and deposit
withdrawing;

 

(five)
In the section of platform members charging, Party A provides Party B’s platform members with charging function from the
bank account bounded by the platform members to members’ sub account under the special account of platform loan funds depository,
setting up the transaction password or other valid instruction verification methods, but only the formal review obligation of
surface consistency is performed to certify the authenticity of the client’s funds and business authorization instructions. Most
of the mainstream bank cards are supported.

 

(six)
In the section of freezing biding money, Party A’s system supports for freezing multiple investors’ biding funds during
the financing period. Party A will unfreeze the investor’s biding funds after confirming the financing obtainment and the
actual transaction funds will automatically
be transferred to financier’s account.

 

(seven)
In the section of using transaction funds, Party A will store, manage, pay and check the funds of the investor, financier and
guarantee based on this agreement and the instruction or business authorized instruction.

 

(eight)
In the withdraw section, Party A’s system will provide the members in Part B’s platform with password setting for
withdraw function and other valid instruction verification methods, but only the formal review obligation of surface consistency
is performed to certify the authenticity of the client’s funds and business authorization instructions.

 

(nine)
On the perspective of enquiry service, Party A’s system can provide complete information enquiry service for Party B’s platform.
Party B’s platform can search the information of platform members’ sub-account and its charging and withdraw deposit
information.

 

    	 3

     

    

 

(ten)
On the perspective of reconciliations and settlement, Party A support the daily reconciliations and settlement with Party B, and
will calculate the ledger of platform members’ sub-account according to the members’ information of daily transaction,
the itemized account and last day’s balance. Party A will check with those information with Party B.

 

(eleven)
On the perspective of service report, Party A provides the relevant report and statement of funds depository. To satisfy the Party
B’s needs of increasing diaphaneity,
Party A will decide the disclosure level according to the supervision and regulation.

 

(twelve)
Party B shall use the payment channel provided by Fuiou for the payment and settlement transactions hereunder. The relevant agreement
of collection, payment and settlement shall be separately signed by Party B and the third-party payment agency.

 

Article
6. The above-mentioned Article Five service content which belonged to main service content Party A can provide to Party B in the field of
funds depository. The services Party B required and the services Party A actually achieved will both base on the system’s
service function that agreed upon by Party B and Party A and after system is completed and put into production.

 

III.
Commitments and Obligations of Both Parties

 

Article
7. Party B’s Commitments

 

(one)
Party B’s establishment and existing shall be completely
in full compliance with the latest laws and regulations, also strictly abode by “Internet Loan Information Intermediary
Business Activities Management Interim Measures”, “Internet Loan Information Intermediary Record Registration Management
Guide”, “Internet Loan Information funds depository Business Guide”. In the case of regulatory requirements
or Party A needs relevant qualification documents of Party B according to the internal management regulations, Party B promises
to provide Party A with relevant approvals or registration certificates;

 

(two)
Party B shall make sure the authenticity, legality and integrity of the files needed to summit to Party A. Party B shall undertake
legal liability that caused by the failure to perform the necessary audit obligations due to intent or negligence;

  

    	 4

     

    

 

(three)
Party B shall commit to substantive review of the investors who registered in the service platform, the qualifications of the
financiers, the authenticity of the information, and the authenticity and legitimacy of the investment and financing projects;

  

(four)
Party B shall be committed that there are no violations and behaviors touched on the regulatory bottom line within its service
content and operation mode, including illegal or disguised absorption of public deposits, illegal or disguised illegal fund-raising
and other financial frauds, and disguised collection of funds to develop funds pool business;

 

(five)
Party B shall commit to the daily operational safety and stability of its own service system, and bear the legal responsibility
for the loss of investors’ funds due to problems in its own service system;

 

(six)
To ensure that it meets the standards of business operation, Party B shall commit to complete the development and testing of the
service system according to the agreed interface standards and specifications;

 

(seven)
Party B shall commit to the authenticity, completeness, accuracy and legality of any payment instructions and any data submitted
by Party A’s own service system; if such instructions or data information is inaccurate, untrue, or not If it is complete and
illegal and may cause losses to related parties such as Party A or investors, Party B will bear all relevant responsibilities;

 

(eight)
Party B shall commit to handle the transaction disputes with its customers, which includes complaints, refunds, etc. caused by
false or obsolete service information or business content and other customer disputes and bear the relevant legal responsibility;

 

(nine)
Party B shall commit to retain relevant transaction information and transaction certificate within five years after the expiration
of the term of this agreement, which will be provided for Party A to read or consult when performing legal obligations such as
anti-money laundering. For fraudulent transactions that may occur, Party B shall promise to cooperate with Party A to freeze or
suspend related business for unused funds;

 

(ten)
Party A’s prior consent shall be gained if Party B or any other third party wants to put any information (not limited to
advertising, publicity and product introduction, etc.) on owned service website, or entrusted public or not public channels. Party
B shall not use the depository bank for marketing publicity in addition to the necessary disclosure and regulatory requirements;

 

(eleven)
Party B shall commit to its external publicity shall not exaggerate Party A’s responsibilities, including but not limited to the
use of Party A’s “guarantee”, “revealing all the details”, “supervision” and other misleading words
for propaganda, and may not use Party A for marketing publicity;

  

    	 5

     

    

 

(twelve)
After the two parties completing the system docking and putting into production, if Party A does not breach the contract, Party
B promises not to carry out third-party payment and fund depository services with other financial institutions and third-party
payment companies during the validity period of the contract;

  

(thirteen)
In its own business conduct and not because of Party A , if Party B involves in violations of laws and regulations and may cause
reputation loss to Party A or cause Party A to be punished by the regulatory authorities, Party B shall bear all economic and
legal responsibilities arising therefrom;

 

(fourteen)
Party B shall commit to the scale and use of the financing shall be in compliance with the relevant regulations of “Internet
Loan Information Intermediary Business Activities Management Interim Measures”, and provides Party A with latest and accurate
new product’s information which need to report for examination and approval.

 

Article
8. Party B’s Obligations

 

(one)
According to laws, regulations and contractual agreements, investors and financiers are provided with the collection and sorting
of investment and financing information, screening, selecting, online publishing, and credit rating, investment and financing,
financing consultation, online dispute resolution and other related services;

 

(two)
Party B shall make necessary audits on the qualifications of investors and financiers, the authenticity of information, the authenticity
and legitimacy of financing projects;

 

(three)
Party B shall take measures to prevent fraud, discover fraud or other circumstances that harm the interests of investors, and
timely announce and terminate relevant network investment and financing activities;

 

(four)
Party B shall continue to carry out the activities of network investment and financing knowledge popularization and risk education,
strengthen information leakage, guide investors to participate in online investment and financing in a small and scattered scale,
and ensure that investors fully understand the investment and financing risks;

 

(five)
In accordance with laws and regulations and relevant regulations on online lending, the relevant information shall be submitted.
The information on creditor’s rights and debts related to online investment and financing shall be submitted to the relevant statistical
department in time for registration;

 

(six)
Party B shall properly keep the information and transaction information of investors and financiers, and must not delete or tamper
with them, and must not illegally trade or disclose the basic information and transaction information of investors and financiers;

 

(seven)
Performing the obligations of customer identification, suspicious transaction reports, customer identity data, transaction record
and other anti-money laundering and anti-terrorism financing obligations according to law;

 

    	 6

     

    

 

(eight)
Party B shall check daily with Party A to ensure the accuracy of system data;

 

(nine)
Party B shall properly keep records of accounts, books, statements and other relevant information of the business activities of
online loan funds, and relevant paper or electronic media information shall be kept for more than 5 years after the expiration
of the loan contract;

 

(ten)
Party B shall organize an independent audit of the client’s fund depository account and disclose the audit results to the client;

 

(eleven)
Party B shall cooperate with relevant departments to prevent and investigate the work related to financial crimes;

 

(twelve)
Party B shall do a good job on Internet information management, network and information security in accordance with relevant requirements;

 

(thirteen)
Other obligations stipulated by the supervisory and regulatory agencies at all levels.

 

Article
9. Party A’s Commitment

 

(one)
Party A shall commit to ensure the safety and stability of the daily operation of its own service system, and bears the funds’
loss of Party B users due to Party A’s own service system problems;

 

(two)
Party A shall commit to complete the development and testing of its own service system in accordance with the agreed interface
standards and specifications;

 

(two)
Party A shall commit to complete the development and testing of its own service system in accordance with the agreed interface
standards and specifications;

 

(three)
Party A shall commit to the timeliness, accuracy and completeness of its services system on dealing with the legal instructions
submitted by Party B or investors and financiers;

 

(four)
According to the relevant requirements, the processing information and supporting documents related to the transaction construction
shall be completely retained;

 

(five)
Party A shall commit to accept and deal with the related issues such as transaction inquiry, data reconciliation and fund settlement
for Party B and its users timely in the use of Party A’s depository service system.

  

Article
10. Party A’s Obligations

 

(one)
Party A shall sign a fund deposit agreement with the internet Loan Information Intermediary to clarify their rights, obligations
and liability for breaching the contract;

  

    	 7

     

    

 

(two)
Party A shall manage and supervise the use of funds accounts with investors, financiers and guarantors of Party B’s platform.
And deposit, transfer, account and supervise the funds of investors, financiers and guarantors according to the contract.

 

(three)
Party A shall commit to the real-name account opening and performance of the contractual agreement and the formal review responsibility
of the surface consistency of the investment and financing transaction instructions, but does not assume the substantive audit
responsibility of the authenticity of the financing project and the loan transaction information;

 

(four)
According to the relevant regulations of network lending, Party A shall submit data information and accept relevant supervision
and management in accordance with the law.

 

Article
11. Anti-money Laundering Obligations

 

The
two parties shall fulfill their anti-money laundering obligations in accordance with the laws and regulations such as “People’s
Republic of China Anti-money Laundering Law” and “Financial Institutions Customer
Identification and Customer Identity Data and transaction Records Preservation Management Measures” and the two parties
shall provide mutual assistance to each other in carrying out anti-money laundering;

 

IV.
Account’s Establishment and Management

 

Article
12 Party B shall designate Party A as the sole online loan fund depository bank, and Party A shall open a platform fund depository
summary account (hereinafter referred to as the summary account) for Party B.

 

Account
name: Shenzhen Hezhong Fortune Investment Management Co., Ltd.

 

Account
number: 03003326194

 

Bank
name: Bank of Shanghai Caobao Road Branch

 

Article
13 The nature of the fund in the summary account is the transaction funds which not belonged to Party B but Party B’s investors.
It can only be used for the settlement of the investor’s top-up funds, wealth management of the balance, cash withdrawal, financing,
lending, repayment and other purposes. Party B cannot use the funds in the summary account to provide guarantees. Party A shall
not accept any form of guarantees for funds in this account, deductions for non-transactions, and other types of prohibitions
as prescribed by the regulatory authorities.

  

Article
14 Party A shall provide Party B with a dedicated electronic banking service product to facilitate Party B’s timely understanding
of the changes in the funds of the summary account and provide fund remittance services in compliance with the requirements and
supervision of this agreement;

  

    	 8

     

    

 

Article
15 Party B sets the risk reserve account(if needed) and self-owned funds account which are used for Party B and specifically use for
store the risk reserve and self-owned funds.

 

Account’s
information is as followed:

 

Self-owned
funds account:

 

Account
name: Shenzhen Hezhong Fortune Investment Management Co., Ltd.

 

Account
number: 03003326143

 

Bank
name: Bank of Shanghai Caobao Road Branch

 

Risk
reserve account:

 

Account
name: Shenzhen Hezhong Fortune Investment Management Co., Ltd.

 

Account
number: 51000751816

 

Bank
name: Bank of Shanghai Caobao Road Branch

 

Article
16 The risk reserve account opened by Party B with Party A shall be supervised by Party A. If there is no risk event, the funds
in the risk reserve account cannot be used. The use of funds in the risk reserve account must be approved by Party A before using
it. Party B may apply to Party A to open a risk reserve account during the validity period of this agreement depending on the
needs. The account information and the rules for the entry and exit of funds shall be subject to the additional agreement signed
by Party A and Party B at that time.

 

V.
Charge

 

Article
17. Internet Platform Deposit Function

 

(one)
Subject to the terms of charging, charging standards and charging methods agreed on “Internet Platform Deposit Business
Charge List”, Party B hereto shall, pay Internet platform deposit fee to Party A by the Appendix “Internet Platform
Deposit Business Charge List”. Payment Institution and Internet Platform shall, in accordance with related Agreement, charge
additional payment and settlement fees.

 

(two)
Subject to the development of Internet platform Deposit business, Party A shall be entitled to adjust the terms of charging and
charging standards agreed on “Internet Platform Deposit Business Charge List”, provided that any change of this Agreement
shall be informed and consulted by Party B.

 

    	 9

     

    

 

VI.
Confidentiality, Divulgence and Data Transference

 

Article
18. The Parties shall commit not to divulgate any data and information resulting from this Agreement during the execution of this
Agreement. The one Party shall, without written consent of the other Party, not to divulgate any information to third Party, save
with the consent of the laws and regulations, or other authorities. The clause shall be in force against Agreement changed, removed
or abolished.

 

Party
B hereto shall, without Party A’s written consent, commit not to divulgate financial service plan, technology interface
and specification document provided by Party A to any third Party.

 

Article
19. It is mutually agreed that if, on the premise of keeping secret information, the Parties shall enhance bilateral communication
and exchanges through providing different kinds of business information, economic and financial dynamic information, or Jointly
holding business promotion conference, training, BBS introduction and so on.

 

Article
20. Party B shall, on its official website, fully disclose to investors the borrowers’ basic information, project information,
risk assessment results, capital operation for unexpired projects and so on. The disclosure contents shall abide by the relevant
provisions of laws and regulations about national secrets, trade secrets and personal privacy.

 

Article
21. Party B shall, in a prominent position on its official website, disclose operation and management information such as online
matchmaking financing projects.

 

In
compliance with the generally regulations for making public on annual reports, relevant laws and regulations, online lending supervision
regulations, Party B shall, on its official website, set up information disclosure column on business activity management, regularly
release information through public announcement.

 

Party
B shall employ an accounting firm to audit investors and borrowers’ deposits, information disclosure, information technology
fundamental infrastructure safety, business compliance and other important business parts. Party B shall hire a qualified information
security assessment and certification institution to make information security implementation evaluation and authentication, and
disclose audit and evaluation and certification results to investors and borrowers.

 

Party
B shall introduce law firms, information system security evaluation and other third Party authority to evaluate the compliance
of network information intermediaries and the operation of the information system.

  

Party
B shall submit Announcement of the manuscripts and relevant documents, which are available for public inspection, for reference
to the local financial regulatory authorities in the place where the industrial and commercial registration is registered.

  

    	 10

     

    

 

Party
B shall, in the prominent position on the website, reminder investors and borrowers that commercial bank introduced acts as deposit
agency, rather than acts as guarantor of online lending transactions and other relevant business behaviors. The commercial bank,
shall not guarantee or promise the yield of lending principal and earnings, and not undertake investment risks. The investors
shall take responsibility of the online lending investment at their own risk.

 

Article
22. Party B shall assure information authenticity, accuracy, integrality, and shall not have any false records, misleading statements
or major omissions.

 

Article
23. In the process of stock data transference, Party B shall assure data accuracy and efficiency, and shall assure investors and
financiers’ data integrality. Party B shall be in harmony with Party A’s stock capital transference. Party B shall
monitor bank cards of investors and borrowers, in principle, Party B shall not allow investors and borrowers to replace original
bound bank cards.

 

Article
24. Party A shall provide Party B with the capital storage report on a regular basis, Party A shall disclose Party B’s deposit
and use of transaction settlement funds.

 

VII.
Responsibility
for Breach of Contract

 

Article
25. If, under the Agreement, either Party fails to perform its obligations and commitments, the behaviors shall be deemed as breach
of Agreement, and breaching Party shall bear all the other Party’s direct losses caused by breaching behaviors.

 

Party
B shall be liable for the direct capital losses by its fault under the Agreement.

 

Party
B shall be liable for the risks and losses by its intentional fraud, falsification of data and data omission.

 

Party
A shall, as an online lending deposit agency, not be deemed to guarantee online lending transactions and other relevant business
behaviors. Party A shall not guarantee or promise the yield of lending principal and earnings, and not undertake investment risks.

 

    	 11

     

    

 

VIII.
Miscellaneous

 

Article
26. Dispute Settlement

 

All
disputes in connection with or in the execution of this Agreement shall be settled through mutual consultations between two Parties
thereto. In case no settlement can be reached through consultations, the disputes shall be submitted to the court of Party A’s
area for arbitration.

 

Any
disputes with respect to the terms and conditions of this Agreement, including the existence, validity, alternation, performance,
termination and interpretation thereof, and other questions arising from the Agreement, shall be resolved by the laws and regulations
of the People’s Republic of China.

 

Article
27. Existence and Termination

 

(one)
This Agreement shall come into force upon being signed and sealed by the legal representative (person in charge) or authorized
agent of the Parties and affixed with the official seal or special seal of the Agreement. The Agreement shall be valid for one
year after its effective date, and shall be renewable for further one year thereafter one month prior to the expiration of this
Agreement.

 

(two)
This Agreement shall be terminated in the following circumstances:

 

1.
In the event that one Party breaches the Agreement and fails to perform the relevant

 

obligations,
and that Party has not made correction after receiving a written notice from the other Party.

 

2.
If, under the Agreement, any irregularities arising out from the breach of Agreement to

 

ruin
Agreement.

 

3.
Party B shall not meet regulatory requirements or not meet Party A’s entry standards.

 

4.
Both Parties agree to terminate the Agreement through consultation.

 

Article
28. Notices and Delivery Terms

 

Documents,
such as the notification, protocol, other relevant documents and legal documents related to disputes arising from the Agreement,
shall be delivered to the mailing address listed on the first page of this Agreement in written form.

 

Any
documents in connection with the first, second, and third execution procedures after the non-litigation stage and after disputes
enter the proceedings stage shall be delivered to the aforesaid mailing address.

  

In
case that one Party’s service of address, contact person and other matters changed, the other Party shall be notified in
writing within two working days at the latest.

 

If
one Party fails to inform the notification using aforesaid address, the service address confirmed in the Agreement shall still
be deemed as the effective service address.

  

    	 12

     

    

 

If
Party B fails to inform bank or the court of appeal of the change of service address forthwith, or the bank or the court of appeal
continues to deliver files to the original service address, or changed address information provided by Party B is not accurate,
or Party B refuses to accept files, then the date of return the files shall still be deemed as the date of delivery. In case of
delivery files by post, the date of acquiring letter postmark shall be regarded as the date of delivery successfully. In case
of delivery files by express, the date of receipt of addressee’s signature shall be regarded as the date of delivery successfully.

 

If
Party B responds to the lawsuit and directly submits the confirmation of service address to the court, if the confirmation address
is inconsistent with the above mentioned service address, the confirmation address shall prevail.

 

Article
29. Agreement’s documentation

 

This
Agreement is made in quadruplicate, with each Party holding two copies and each copy having the same legal effect.

 

Article
30. In case of any conflicts between this Agreement and the tripartite Agreement on the “Tripartite Agreement for Bank of
Shanghai Online Loan Transaction Fund Deposit” between Party A, Party B and the registered users of the online platform,
this agreement shall prevail.

 

 

	Party
    A (Bank Seal): 	 	Party
    B (Company Seal): 
	 	 	 
	[Bank
    of Shanghai Co., Ltd. Shi Nan

 Branch seal affixed hereto]		[Shenzhen
    Hezhong Fortune Finance

Investment Management Co., Ltd. seal

 affixed hereto]
	 	 	 
	Legal
    Representative/Authorized Representative

(Signature of Seal) : 	 	Legal
    Representative/Authorized Representative

 (Signature of Seal) : 
	 	 	 
	/s/
    Hongbiao Zhang	 	/s/
    Zhaobin Wen
	 	 	
	July
    26, 2017	 	July
    26, 2017 

 

    	 13

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