Document:

Consulting And Service Agreement

 Exhibit 4.15 
 This is an English translation. 
 CONSULTING AND SERVICE AGREEMENT 
 THIS CONSULTING AND SERVICE AGREEMENT (hereinafter referred to as “this Agreement”) is entered into in
                 on                  by and between the following two
parties: 
 Party A: Haidileji Enterprise Image Planning (Shenzhen) Co., Ltd. 
 Address: Room 615, 6/F, Shangsha Building, Tairan Road, Futian District, Shenzhen 
 Party B:
                                         
                                         
       
 Address: 
 WHEREAS: 
  

	(1)	Party A is an enterprise duly incorporated under the laws of the People’s Republic of China (“PRC”), which has a team of professionals in areas such as insurance
technology, finance, taxation and management, and has rich experience in enterprise management, organization and planning. It is also engaged in design and planning of enterprise image, design of industry products, economic information consulting.
In addition, it owns the right to use the “Fanhua” brand; 

  

	(2)	Party B is an insurance intermediary firm duly incorporated under PRC laws and the relevant regulations of the China Insurance Regulatory Commission (“CIRC”), and
specializes in providing insurance intermediary services; 

  

	(3)	Based on their respective industry advantages and needs, Party A and Party B agree to sign a written agreement to define their rights and obligations with respect to Party A’s
granting right to use its brand, providing consulting services in relation to finance and taxation and providing training services to Party B. 

 NOW THEREFORE, both parties, through negotiations, hereby agree as follows: 
  

	1.	Consulting and Service 

  

	 	1.1	During the term of this Agreement, Party A agrees to, as the brand and consulting service provider of Party B, provide the related brand and consulting service to Party B (the
details of which are set forth in the annex attached hereto). If Party B makes a request and such request is approved by Party A, Party A may furnish to Party B the consulting and services beyond the scope as set out in the annex below.

  

	 	1.2	Party B agrees to use the Fanhua brand and accept the consulting and service provided by Party A. Party B further agrees that, during the term of this Agreement, it will not use
brands of other parties, and it will not accept consulting and service in relation to the aforesaid business provided by any third party without the prior written consent of Party A. 

	2.	Calculation and Payment of Brand Usage Fee and Consulting and Service Fee (“Consulting Service Fee”) 

  

	 	2.1	Both parties agree that the brand usage fee and Consulting Service Fee under this Agreement is calculated and paid in the manner as set forth in the annex. 

 

	 	2.2	Both parties agree that if Party B requests Party A to provide services not covered in the annex, both parties may agree upon the sum of the Consulting Service Fee depending on the
specific service contents and market conditions. 

  

	 	2.3	Both parties agree to negotiate the specific service contents as well as the calculation and payment method of the Consulting Service Fee based on market situation and business
condition every three months. Appropriate adjustments may be made if both parties reach an agreement through negotiation. 

  

	3.	Intellectual Property Rights 

  

	 	3.1	Party A shall be the owner of copyrights of the trademark and technology information, as well as the intellectual property rights of all research and development results arising
from the performance by Party A of this Agreement and/or other agreements reached by both parties and any rights derived therefrom, including but not limited to, patent application right, copyrights or other intellectual property rights of the
software, technical documents and materials as storage medium and the right to license or transfer such intellectual properties, etc. 

  

	 	3.2	During the performance of this Agreement, if Party B needs to use Party A’s software programs or systems, both parties will separately negotiate the scope, method and royalties
of relevant software licenses. 

  

	4.	Representations and Warranties 

  

	 	4.1	Party A hereby represents and warrants as follows: 

  

	 	4.1.1	Party A is a consulting service enterprise duly incorporated and validly existing under the PRC laws; 

  

	 	4.1.2	The execution, delivery and performance of this Agreement by Party A are within its corporate power and business scope, have been duly authorized by all requisite corporate actions
on the part of Party A, which has obtained the necessary consents or approvals from third parties or government departments, and do not violate the laws and contracts binding upon or influencing Party A; 

  

	 	4.1.3	Once executed, this Agreement will constitute a legal, valid and binding obligation enforceable against Party A in accordance with its provisions. 

  

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	 	4.2	Party B hereby represents and warrants as follows: 

  

	 	4.2.1	Party B is an investment management company duly incorporated and validly existing under the PRC laws; 

  

	 	4.2.2	The execution, delivery and performance of this Agreement by Party B are within its corporate power and business scope, have been duly authorized by all requisite corporate actions
on the part of Party B, which has obtained the necessary consents or approvals from third parties or government departments, and do not violate the laws and contracts binding upon or influencing Party B; 

  

	 	4.2.3	Once executed, this Agreement will constitute a legal, valid and binding obligation enforceable against Party B in accordance with its provisions. 

  

	5.	Confidentiality 

  

	 	5.1	Each party agrees to make full endeavors and take all reasonable measures to keep confidential the confidential data and information of the other party made available to or given
access to it in the course of providing or accepting consultancies and services (collectively “Confidential Information”). Neither party shall disclose, give or transfer any such Confidential Information to any third party without other
party’s prior written consent. Upon termination of this Agreement, each party shall return to the other party or destroy all documents, materials or software at other party’s option, delete any Confidential Information from all related
memory devices and cease using such Confidential Information. 

  

	 	5.2	Both parties agree and acknowledge that any and all oral or written materials exchanged pursuant to this Agreement are of a confidential nature. Each party shall keep confidential
all such documents and not disclose any such documents to any third party without prior written consent from the other party, but the above confidentiality obligations shall not apply to the information which: (a) is or becomes or will be or
become publicly available (through no fault of the recipient); (b) is disclosed under requirement of applicable laws or stock exchange’s rules or regulations; or (c) is disclosed by either party to its legal or financial consultant
with respect to the transaction contemplated under this Agreement, who shall also undertake the confidential obligations similar to those as stated hereof. Any breach of confidentiality obligations by any of the personnel of either party or of the
institutions engaged by it shall be deemed as a breach hereof by such party, and such party shall undertake the defaulting liabilities under this Agreement. 

  

	 	5.3	Both parties agree that this Article 5 shall survive the invalidity, change, cancellation, termination or unenforceability of this Agreement 

  

	6.	Indemnity 

 Party B shall indemnify and hold
harmless Party A from and against any loss, damage, liability or expenses arising from any litigation, claims or other requests made against Party A arising from or out of or caused by the contents of consultancies and services requested by Party B.

  

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	7.	Effective Date and Term 

  

	 	7.1	This Agreement shall be signed or sealed and go into effect as of the date first above written. 

  

	 	7.2	The term of this Agreement shall be one (1) year unless prematurely terminated in accordance with the provisions of this Agreement or other agreements entered into by both
parties. 

  

	 	7.3	Subject to a mutual written consent between both parties, this Agreement may be extended upon its expiration, and the extension thereof is to be agreed upon by both parties. If both
parties fail to reach an agreement on such extension, this Agreement shall be extended for one (1) year automatically upon its expiration (including expiration of any extension), unless Party A gives a written notice about not extending the
term of this Agreement prior to expiration. 

  

	8.	Termination 

  

	 	8.1	Termination upon Expiration. This Agreement shall be terminated on its expiry date, unless it is extended in accordance with its relevant provisions.

  

	 	8.2	Premature Termination. During the term of this Agreement, Party B shall not terminate this Agreement, unless Party A is involved in any gross negligence, fraud or other
illegal acts or goes bankrupt. Notwithstanding the foregoing, Party A may terminate this Agreement at any time upon prior thirty (30) days written notice to Party B. During the term of this Agreement, if Party B breaches this Agreement and
fails to cure its breach within fourteen (14) days upon receipt of Party A’s written notice regarding such breach, Party A may inform Party B in writing to terminate this Agreement. 

  

	 	8.3	Survival. The rights and obligations of both parties under Articles 5, 10 and 12 shall survive the termination of this Agreement. 

  

	9.	Governing Law 

 The performance, interpretation,
construction and enforceability of this Agreement shall be governed by the PRC laws. 
  

	10.	Settlement of Disputes 

 Any dispute arising in
connection with the interpretation and performance of the provisions of this Agreement shall be settled by both parties in good faith and through amicable negotiations. In case no settlement can be reached by both parties within thirty
(30) days after either party makes a request for dispute resolution through negotiations, either party may refer such dispute to China International Economic and Trade Arbitration Commission (“CIETAC”) for arbitration in accordance
with CIETAC’s arbitration rules then in effect. The seat of arbitration shall be Beijing and language of proceedings shall be Chinese. The arbitral award shall be final and binding upon both parties. 
  

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	11.	Force Majeure 

  

	 	11.1	An Event of Force Majeure means any event that is beyond the reasonable control of either party and unavoidable or unpreventable after it gives due attention, including, but not
limited to, government act, act of God, fire, explosion, storm, flood, earthquake, tide, lightning or war, but insufficiency of credit standing, funds or financing shall not be deemed to be beyond the reasonable control of either party. The party
seeking the exemption from its liabilities under this Agreement owing to an Event of Force Majeure shall, without undue delay, inform the other party of such exemption and the steps needing to be taken to perform its liabilities.

  

	 	11.2	Should the performance of this Agreement be delayed or hindered due to any Event of Force Majeure as defined above, the prevented party shall not be liable therefor only to the
extent being delayed or hindered. The prevented party shall take suitable measures to lower or eliminate the impact of such Event of Force Majeure, and make endeavors to resume the performance of the obligations delayed or hindered by Event of Force
Majeure. Both parties agree to make their best efforts to continue to perform this Agreement once the Event of Force Majeure is eliminated. 

  

	12.	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 address(es) of the other party (ies) by hand delivery,
registered mail or postage prepaid mail, or a recognized courier service or facsimile transmission. Such notice shall be deemed to be received: (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 relevant document. 
  

	13.	Assignment 

  

	 	13.1	Party B shall not assign any of its rights or obligations under this Agreement to any third party without the prior written consent of Party A. 

  

	 	13.2	Party B hereby agrees that Party A may, at its own discretion, assign any of its rights and obligations under this Agreement to a third party without Party B’s consent, but
such transfer shall be notified in writing to Party B. 

  

	14.	Entire Agreement 

 Notwithstanding Article 7.1
hereof, both parties acknowledge that once this Agreement becomes effective, it shall constitute the entire agreement and understanding between both Parties with respect to the subject matter hereof and supersedes all prior oral and/or written
agreements and understandings reached by both parties with respect to the subject matter hereof. 
  

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	15.	Severability 

 Should any provision of this
Agreement be held invalid or unenforceable by applicable law, such provision shall be invalid or unenforceable only to the extent of such invalidity or unenforceability without invalidating or rendering unenforceable the remainder of this Agreement.

  

	16.	Amendment and Supplement 

 This Agreement may be
amended or supplemented by a written instrument. All amendments and supplements to this Agreement duly signed by both parties shall form an integral part of this Agreement and have the same legal effect as this Agreement. 
  

	17.	Counterparts 

 This Agreement is executed in two
originals, with each party holding one. Both originals have the same legal effect. 
 IN WITNESS WHEREOF, both parties hereto have caused this Agreement to
be duly executed by their legal representatives and duly authorized representatives as of the date first above written. 
  

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 [Signing page] 
 Party A:

 Legal Representative/Authorized Representative:
                                        

 Party B: 
 Legal Representative/Authorized
Representative:
                                        

  

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 Annex: Brand usage fee, scope of consulting and services and calculation and payment method of consulting service fee

  

	(1)	Scope of consulting and services, and calculation of consulting service fee 

  

					
	 Service Scope
	  	 Basis for pricing
	  	 Calculation
standard

	Brand usage fee	  	To be charged at a percentage of sales revenue	  	
	Finance and taxation consulting fee	  	To be charged at a percentage of sales revenue	  	
	Training fee	  	To be charged at a percentage of sales revenue	  	

  

	(2)	Payment method 

  

	 	1.	Party A shall prepare, on a quarterly basis, a written settlement list of the service details provided to Party B and deliver it to Party B in written form. Party B shall examine
and confirm such settlement list. 

  

	 	2.	Party B shall pay the consulting service fee to the account designated by Party A within the payment term indicated on Party A’s settlement list. 

  

	 	3.	For the other services requested by Party B, the fees are to be agreed upon by both parties. 

  

 8Second Amendment to the long-term loan

 Exhibit 10.1 
 Amendment No. 2 to the Contract 
 regarding a Line of Credit 
 The following amendment to the loan contract dated July 29/August 26, 2003, most recently amended by the amendment dated 06/13/2007, for a line of credit is
concluded 
 between 
 Sonic
Innovations GmbH 
 Mexikoring 33 
 22297 Hamburg 
 - hereinafter referred to as the “Borrower” 
 and 
 Commerzbank AG 
 Hamburg Branch 
 Ness 7 – 9 
 20457 Hamburg 
 - hereinafter referred to as
the “Bank” 
 1. Amendments 
 1.1 The passage Collateral of the loan contract is amended as follows: 
 The Bank receives the following collateral from a third party:

  

	 	•	 	 absolute guarantee of EUR 2,750,000.00 from Sonic Innovations Inc., 2795 East Cottonwood Parkway, Suite 660, Salt Lake City, UT 84121-7036.

 The details of such collateral provision have been / will be agreed upon conclusion of the collateral agreement. 
 After submission of the legally binding signed guarantee by Sonic Innovation Inc., the release of the currently valid Stand-by Letter of Credit by Wells Fargo Bank N.A.
will take place. 

 1.2 The passage Interest of the loan contract is amended as follows: 
 Any utilization in a current account (current account loan) in Euro is currently and until further notice charged an interest rate of 9.75 % per annum. 

For utilization in the form of cash advance payments, the Bank charges the borrower, during each fixed interest period, interest in the amount of the EURIBOR
determined two bank working days from the beginning of the fixed interest period plus a margin of 4.00% per annum for each utilization. The Bank will notify the Borrower about the corresponding interest rate immediately after its
determination. 
 EURIBOR is the interest rate displayed on the “EURIBOR” Reuters page or a corresponding successor page, which replaces the
“EURIBOR” page for draws from euro money market loans with comparable term, at 11 a.m. Brussels local time on the second bank working day prior to the first day of each term. In the event that the EURIBOR cannot be determined two bank
working days prior to the first day of the term of a money market loan, the Bank will use as a basis, in place of the EURIBOR for the applicable term of a money market loan, the arithmetic average of such interest rates as it obtains from three
banks selected by the Bank and participating in the quoting of EURIBOR (EURIBOR panel), for euro deposits with comparable term and comparable amounts, and the Bank will charge the Borrower for the applicable term said arithmetic average plus the
margin stipulated in the loan agreement, even if less than three banks supply an interest rate. 
 Interest for draws in EUR is calculated on the basis of
the international interest method with calendar days / 360 interest days per annum. It is due at the end of each term. 
 1.3 The passage Covenant
will be incorporated as a new passage in the loan contract: 
 Other covenants 
 During the term of this line of credit contract, the Borrower is obligated, 
  

	 	•	 	 not to provide to the Bank collateral which is worse than that provided to other lenders with loans of comparable term, as regards pledging of collateral and
agreements of other loan conditions (particularly in adhering to, or, respectively, maintaining certain business or financial relationships or key figures). If the Borrower pledges to other lenders collateral, which is better than that provided to
the Bank, the Bank shall be allowed to participate in said collateral in advance or at the same time and at equal priority, or the Bank shall be provided collateral of the same value and priority. The Borrower shall also offer in advance a
conversion against corresponding collateralization to the Bank for its loans, for conversions of short-term unsecured loans into long-term secured loans. If the Borrower wishes to arrange key figures with other financial institutions, which would
place them in better standing than the Bank, the Borrower shall offer the Bank a supplemental agreement, by which the Bank is granted the same standing with regard to the key figures as the other financial institutions. 

	 	•	 	 not to grant third parties any security interests (such as, for instance, liens on movables, claims, rights, security ownership of claims, rights or property) in
parts or for the totality of the Borrower’s current and future floating assets (particularly customer claims and stock inventories), or the obligation to accept such securities rights. Upon request by the Borrower, the Bank shall release the
Borrower from this obligation, if the Borrower provided to the Bank for the claims from the loan an acceptable collateral, whose realizable value is equivalent to the total value of the claims that are to be secured. 

 Furthermore, an important prerequisite for granting the loan is that the current shareholder interest of Sonic Innovations Inc. in the Borrower at a level of 100 %
of its nominal capital / authorized capital will neither be reduced nor completely abandoned during the entire term of the present loan relationship. The Borrower is obligated to immediately inform the Bank if aforementioned shareholder interest is
reduced or completely abandoned. 
 If the shareholder interest of Sonic Innovations Inc. in the Borrower is reduced to less than 100 %, or is
completely abandoned, the Bank is entitled to request the provision or enhancement standard banking collateral in order to secure the claims of the Bank from the present loan contract. If within an adequate period of time set by the Bank, the
Borrower does not fulfill this obligation for additional collateralization, the Bank is entitled to terminate the present loan contract without prior notice. Further rights to which the Bank is entitled according to its General Terms and Conditions
or other agreements remain unaffected. 
 If the aforementioned obligations are not met by the Borrower and/or if the aforementioned agreed key figures were
not attained, or if the adherence to said key figures was not confirmed at all or not confirmed in a timely manner by submitting corresponding documentation, the Bank shall set a deadline for the Borrower to take remedial action with respect to this
violation of contract, to the extent as such remedial action could be taken within 30 days by a prudent businessman. If such a deadline for remedial action is not set, or expires without any result, the Bank is initially entitled to request the
Borrower to provide or strengthen standard banking collateral in order to secure the claims of the Bank based on the present loan contract. Further rights to which the Bank is entitled according to the present contract, its General Terms and
Conditions, or other agreements remain unaffected. 
 2. Other agreements 
 All other agreements of the loan contract dated July 29/August 26, 2003 as well as any amendments continue to apply without change. 
 3. Period of Validity of the Bank’s Offer / Realization of amendment 
 The Bank is bound to the offer proposed in this amendment until 05/30/2008. 

 The above amendment to the Contract for Line of Credit dated July 29/August 26, 2003 together with any other
amendments becomes legally binding after it is signed by the Bank, and after submission to the Bank of the countersigned original of the amendment signed in a legally binding way by the Borrower, however at the earliest on the day that follows the
last day of the term of the previous loan. 
 Insofar as no sales tax is due for the settlement of banking services, these are exempt from sales tax in
accordance with Article 4, Section 8 of UStG [Sales Tax Act]. The VAT ID No. of Commerzbank AG is DE 114 103 514. The invoice number is 2006180350. 
  

					
	Hamburg, 05/27/2008	 		 	
			
	 	 		 	/s/ Commerzbank AG
		 		 	(Commerzbank AG Hamburg Branch)

  

					
			
	Salt Lake City, Utah, 5/28/2008	 		 	/s/ Michael M. Halloran
	(Location, date)	 		 	(Sonic Innovations GmbH)

 The foregoing is a fair and accurate English translation of the referenced document. 

 

	
	SONIC INNOVATIONS, INC.
	
	/s/ Michael M. Halloran
	Michael M. Halloran
	Vice President and Chief Financial Officer

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