Document:

Cooperative
Framework Agreement

 

Party
A: Weihai Huiyin Pawnbroking Co., Ltd.

Address:
No. 61, Wenhua Middle Road, Weihai City

 

Party
B: Benefactum Alliance Business Consultant (Beijing) Co., Ltd.

Address:

 

Whereas:

 

1.
Benefactum Alliance Business Consultant (Beijing) Co., Ltd. is a legally established and a limited liability company with who
provides credit counseling and informational counseling for the debtor and creditor and intercepting service, and it operates
a website www.hxjf.com (hereinafter referred to as “website”).

 

2.
Weihai Huiyin Pawnbroking Co., Ltd. is a legally established limited liability company with a guarantee qualification of financing
and wishes to establish long-term strategic cooperative relations with Party B and provide assurance services for borrowers of
the website.

 

In
order to solve the difficulty about loans of small and medium-sized enterprises and support the development of small and medium-sized
enterprises and individual industrial and commercial households, assure money collecting securities of the borrowers on the website
of Party B, and release and lower the risks of loans, Party A and Party B cooperate by the following agreement in the principles
of equality, voluntariness, mutual reciprocity and benefit according to relevant laws:

 

I.
Weihai Huiyin Pawnbroking Co., Ltd. and Benefactum Alliance Business Consultant (Beijing) Co., Ltd. voluntarily set up strategic
cooperative relations, and insist on business principles of legal management, standard management, top quality service, risk resistance,
equity and integrity and equity and free will.

 

II.
Party B accepts loan applications submitted by institutions or individuals via Huiyingjinfu’s website. Party A shall provide
Party B with the individuals or intuitions requiring financing and assist Party B in completing the due diligence and relevant
business operations and legal procedures of the customers.

 

III.
After entering into the cooperative intent of both parties, Party B can have an assessment review for the financing items provided
by Party B. After Party B’s verification, Party B or other institutions assigned by Party B shall timely conclude relevant
contracts with the applicant and to implement the financing.

 

IV.
Both parties shall co-operate closely on the preliminary examination work, true customer service and work efficiency improvement
as the basic principles of cooperation.

 

V.
In respect of monitoring during work, both parties shall enhance cooperation and gradually set up an information sharing system
to safeguard the legitimate rights and interests of both parties.

 

    	 	 	 

    	 	 	 

    

 

VI.
If the financer cannot refund the loan in time when the loans become due, Party A shall assist Party B in recourse. For the subsequent
cooperative details, both parties can conclude a further cooperative agreement or complement agreement accordingly according to
the business conditions to further clarify the rights and obligations of both parties.

 

VII.
Both parties shall strictly keep business secrets known during the cooperation and must not disclose the known business secrets
to other parties and enterprises.

 

VIII.
For matters that have not been solved, both parties shall solve them in accordance with the specific terms contained in the agreements
executed by both parties. If there is any contradiction, both parties shall refer to specific terms contained in the agreements
executed by both parties.

 

IX.
The agreement shall be valid for one year. The agreement takes effect after being signed and sealed by legal representatives or
authorized representatives of both parties. The agreement is duplicated and either party holds one copy.

 

Party
A: Weihai Huiyin Pawnbroking Co., Ltd.

Legal
representative or authorized agent:

 

Address:

Contact:

E-mail:

 

Party
B: Benefactum Alliance Business Consultant (Beijing) Co., Ltd.

 

Address:

Contact:

E-mail:

 

April
6, 2016Confidential
Agreement

 

Party A:  Benefactum Alliance Business Consultant (Beijing) Co., Ltd.

 Address:
  

 Contact:
..  

 E-mail:
  

 

Party B:  Weihai Hui Yin Pawnshop Limited Company

 Address:
  

 Contact:
 

 E-mail:
 

 

Whereas:

 

Party
A and Party B plan to carry out business cooperation and may get access to confidential information of each other during the cooperation
period. The party providing the confidential information is called the “information discloser” and the opposite party
called the “information receiver” under this agreement. Among the others, the confidential information (“confidential
information”) refers to any business procedures, data, documents and other similar documents (including commercial, technical,
scientific, operational, managerial, financial, business and property right information and other susceptive information, which
is provided by the discloser to the receiver, is in connection with the operation and business of the discloser or associated
companies thereof, is in oral, written and other forms, is not obtained through a public channel and should not be made public),
including but not limited to:

 

1)
Operational strategies, directions, plans, projects and decisions, which have not been implemented by the Company;

 

2)
The data of customers and commercial conditions of all business contracts, which are held internally by the Company;

 

3)
All types of information, which are held by the Company and have not been launched into the market or made known to the public;

 

4)
The operational procedures and models of all departments and key contents of such operations in the Company;

 

5)
The name, address, contact mode, fees borne by both parties and other secret business information of the financer of a financing
business related to the proposed cooperation and the cooperative process and completed through the cooperation;

 

6)
Other business secrets complying with the legal provisions.

 

Now,
both parties make the following commitments for the confidential information possibly obtained in the process of the communication:

 

1.
The receiver shall consider the confidential information, disclosed by the discloser, as absolutely confidential and take all
reasonable and necessary measures (including but not limited to the measures specified herein) to keep such information secret.

 

    	 

    	 

    

 

2.
The receiver shall only use the confidential information for the purpose appointed in the cooperative agreement concluded by both
parties.

 

3.
Except for the conditions allowed in the confidentiality agreement, the receiver shall not disclose the confidential information
to any other individual or institution.

 

4.
The receiver shall be responsible for the acts, of the branches, subsidiaries, affiliated companies, cooperators, customers, employees
or directors thereof, as well as the consultant or the company thereof, against the confidential obligations hereunder.

 

5.
The receiver is allowed to disclose the confidential information under the following situations:

 

1)
Disclosure that is allowed by laws and regulations and written consent has been obtained from the discloser;

 

2)
Disclosure that is required by relevant laws and regulations or industrial customs in the People’s Republic of China (“China”);

 

3)
Disclosure that is required by Chinese authorities (including but not limited to national security departments, public security
departments, prosecutors’ offices, courts, arbitral authorities, supervision organizations and other judicatory and administrative
departments).

 

6.
The confidentiality articles are not applicable to the following confidential information:

 

1)
Confidential information that has entered the public areas via proper approaches;

 

2)
Confidential information that is obtained from other appropriate sources that are not restricted from disclosing;

 

3)
Information, which has been known before this confidentiality agreement is executed.

 

7.
The receiver must return to the discloser the confidential information and documents according to the time limit appointed by
the discloser or destroy the said information as required by the discloser.

 

8.
If going against the above commitment, the receiver must compensate all direct and indirect losses, including but not limited
to attorney fees, suffered by the discloser accordingly.

 

9.
All notices hereunder shall be made in writing (including electronic digital form). Except for otherwise agreed, the address carried
in the header hereof shall be the communication and contact address. Any notice, requirement or other letters shall be considered
as being serviced if having been issued by either party to the other party according to the address mentioned in the header hereof
or any other address changed thereafter. Either party shall be liable to provide the other party with the changed information
within three days after the change of the following information, including but not limited to: business address, linkman, contact
means, e-mail and so forth. Either party shall bear all losses and costs suffered by the other party if having not provided the
above changed information timely.

 

    	 

    	 

    

 

10.
All aspects herein shall be construed and governed by Chinese laws. Any dispute or trouble arising from or in connection with
the agreement (including the disputes related to the existence, effectiveness or termination of any articles herein or consequences
thereof) shall be solved by both parties through amicable negotiation. If the negotiation fails, the dispute shall be prosecuted
to the people’s court in the place of Party A (e.g. the contact address specified in the header of this agreement).

 

11.
The agreement shall take effect from the date when the authorized representatives of both parties sign and affix the seals (“date
of signing”) on the agreement, and shall be valid forever thereafter.

 

Note:

 

1.
The “associated company” refers to any natural person, corporation, other economic organizations and so on, which
are controlled by either party hereto or jointly controlled by either party hereto and other third parties. “Control”
means that over 50% holding stock rights of the Company are held or the percentage of shares is sufficient to materially affect
the resolution of the general meeting of stockholders, and the rights of making decisions and controls are held for the finance
and operation of the Company.

 

		
	Party
    A:	 
	Authorized
    representative: 	 
	Date:
    April 6, 2016	 
	 	 
		 
	Party
    B: 	 
	Authorized
    representative: 	 
	Date:
    April 6, 2016

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