Document:

Exhibit
10.3

 

Exclusive
Management Consulting and Service Agreement

 

This
exclusive management consulting and service agreement (hereinafter referred to as the Agreement) is entered into by and between the following
two parties in Longquanyi District, Chengdu City, Sichuan Province, China on 3rd December, 2020.

 

	1.	Chengdu
    Jiulin Ke Fu Technological Co., Ltd. (hereinafter referred to as “Company A”) 
	 	 
	 	Registered
    address: No. 5#(3), 5thFloor, D2 Building, No. 1666, Section 2, Chenglong Avenue, Chengdu Economic and Technological Development
    Zone, Sichuan, China.
	 	 
	 	The
    unified social credit code: 91510112MA63FAPN76
	 	 
	2.	Sichuan
    Hengguang Insurance Agency Co., Ltd. (hereinafter referred to as “Company B”) 
	 	 
	 	Registered
    address: No. 1666, Section 2, Chenglong Avenue, Chengdu Economic and Technological Development Zone (Longquanyi District), Sichuan,
    China.
	 	 
	 	The
    unified social credit code: 91510112762336643W

 

Whereas:

 

	 	(1)	As
    a solely foreign-owned enterprise with investors from Hong Kong, Macao and Taiwan and established in the People’s Republic
    of China (hereinafter referred to as “China”), Company A is equipped with a team which provides enterprise management
    consulting and planning services. 
	 	 	 
	 	(2)	Funded
    by domestic shareholders, Company B is a limited company registered in China; 
	 	 	 
	 	(3)	Company
    A may provide development strategy, application scheme of insurance agency and related services to Company B; Company B consents
    to accept the technical consultation and services provided by Company A in accordance with the terms and conditions made herein.
    

 

    	1/17

    	 

    

 

Hereby
after negotiation, both parties reach the agreement as follows:

 

	1.	Management
    Planning and Consulting Services: Exclusive Rights and Interests 

 

	 	1.1.	During
    the term of the Agreement, Company A consents to serve as the management consulting and service provider of Company B according to
    the terms hereof, providing Company B with management consulting and services (see Annex 1 for details) of information application
    and daily operation ((hereinafter referred to as “target business”) for its development strategy and insurance agency’s
    products on related platforms. 
	 	 	 
	 	1.2.	Company
    B gives consent to receive the management consulting and planning services provided by Company A and it further agrees that it shall
    not accept the same or similar consultation and services provided by any third party for the target business hereinabove during the
    term hereof unless with Company A’s prior written consent.

 

	2.	Calculation
    and Payment of Management Consulting and Service (hereinafter referred to as “consulting service fee”)

 

	 	The
    two parties agree that the consulting service fee herein shall be determined and paid in the way regarding the Agreement listed in
    Annex 2.

 

    	2/17

    	 

    

 

	3.	Intellectual
    Property Rights and Licensing 

 

	 	3.1.	Ownership and licensing (intellectual property rights formed
by management consulting and service)

 

	 	 	(A)
    The two parties confirm that Company A is the exclusive owner of all rights and benefits generated from the implementation of the
    Agreement, including but not limited to trademark rights, software copyright, enterprise development strategy, technical information
    (data), proprietary technology (including technical know-how/secrets), management system, patent rights, trade secrets, copyright
    (if any) and other intellectual property rights related to the service provided, whether developed by Company A or developed by Company
    B on the basis of Company A’s previous intellectual property rights.
	 	 	 
	 	 	(B)
    The two parties warrant that Company B shall sign up all documents and take all actions required to make Company A the owner of such
    intellectual property. Company B shall not challenge Company A’s ownership of all intellectual property hereinabove. Any application
    for registration or other acquisition of any such intellectual property by Company B shall be subject to the prior written consent
    of Company A.
	 	 	 
	 	 	(C)
    Company A may grant Company B a non-exclusive right to utilize the intellectual property mentioned in article 3.1 on the condition
    that the content, purpose and scope of the intellectual property used by Company B shall be subject to the prior written consent
    of Company A. The licensed intellectual property hereinabove shall be a paid and revocable authorization. Any matters related to
    the above license shall be specified in a separate agreement signed by both parties and the grant of such license shall not result
    in the transfer of any intellectual property rights or any restriction on Company A’s exercise of its full ownership over all
    such intellectual property. Without the prior written consent of Company A’s, the intellectual property license granted to
    Company B shall not be transferred or sublicensed by Company B to any third party.

 

    	3/17

    	 

    

 

	 	3.2.	Exclusive
    license (intellectual property under the name of Company B)

 

	 	Both parties agree that
  Company A is hereby irrevocably authorized to enjoy the exclusive utilization and benefit rights of all intellectual property
  whether currently or in the future belongs to Company B, including but not limited to copyright in computer software [HengKuaiBao
  insurance software (hereinafter referred to as “HengKuaiBao”), YouHuiBao insurance software ((hereinafter referred to as
  “YouHuiBao”)], proprietary technology (APP application technology of Hengguang insurance agency, information management
  of its operation platform and other technical know-how/secrets), trademark right and trademark application rights, technical
  information (data), company domain over the internet, trade secret (customer classification management, overall solution of
  insurance business agency, etc.), patent right, copyright and other intellectual property rights.

 

	4.	Responsibilities
    of Both Parties

 

	 	4.1.	Responsibilities
    of Company A
	 	 	 
	 	 	In
    addition to the responsibilities specified in other terms hereof, Company A shall undertake the following responsibilities as well:

 

	 	(a)	Provide
    support services for content specified in article 1 hereinabove to Company B in an effective manner, and respond to the request for
    advice and assistance from Company B timely and seriously;
	 	 	 
	 	(b)	Assist
    Company B to prepare business plans related to target business;
	 	 	 
	 	(c)	Assist
    Company B to plan, design, develop and implement target business;
	 	 	 
	 	(d)	Provide
    competent personnel for Company B to perform the services under the Agreement;
	 	 	 
	 	(e)	Full
    fill the obligations under the Agreement and any other related
    contracts to which it is a party.

 

    	4/17

    	 

    

 

	 	4.2.	Responsibilities
    of Company B
	 	 	 
	 	 	In
    addition to the responsibilities specified in other terms hereof, Company B shall undertake the following responsibilities as well:

 

	 	(a)	Not
    accept the same or similar support services provided by any third party without the prior written consent of Company A;
	 	 	 
	 	(b)	Accept
    all support services provided by Company A and all reasonable opinions related to the support services;
	 	 	 
	 	(c)	Formulate
    business plans under the assistance of Company A;
	 	 	 
	 	(d)	Prepare,
    design, develop, establish and perform target business under the assistance of Company A;
	 	 	 
	 	(e)	Provide
    Company A with any management consultation or other information and allow it to enter into the relevant facilities that Company A
    considers necessary or useful for providing the services under the Agreement;
	 	 	 
	 	(f)	Establish
    and maintain an independent unit of account for target business;
	 	 	 
	 	(g)	Operate
    target business and other business of Company B strictly in accordance with business plans and decision jointly made by the two parties;
    

 

    	5/17

    	 

    

 

	 	(h)	Intention
    to sign a significant contract with any third party shall obtain the written consent of Company A before signing the contract; a
    significant contract refers to a written or oral contract, agreement or commitment entered into with any third party, whether it
    be cooperation, equity transfer, funding or any other form which may affect the interests of Company A in the Agreement or may cause
    Company A to make any change or terminate the Agreement in advance;
	 	 	 
	 	(i)	Provide
    and manage target business in an effective, prudent and legal manner so as to obtain the maximum benefits;
	 	 	 
	 	(j)	Assist
    and fully cooperate with Company A in all matters necessary for it to effectively perform its duties and obligations under the Agreement;
    
	 	 	 
	 	(k)	Report
    all contacts with the market regulatory authorities to Company A, and timely provide it with copies of all documents, licenses, consents
    and authorizations obtained from relevant market regulatory authorities; 
	 	 	 
	 	(l)	Assist
    Company A to develop, establish and maintain relations with other pertinent departments, authorities and other entities of China’s
    central, provincial and local governments, and assist Company A to obtain all necessary permits, licenses, consents and authorizations
    for the services hereinabove;
	 	 	 
	 	(m)	Assist
    Company A in handling the duty-free import procedures of all assets, materials and supplies required by Company A to provide services
    herein;
	 	 	 
	 	(n)	Assist
    Company A in purchasing equipment, materials, supplies, labor and other services in China that meet the requirements of Company A
    at competitive prices 

 

    	6/17

    	 

    

 

	 	(o)	Conduct
    business in accordance with all pertinent Chinese laws and regulations and go through all necessary procedures related to business
    operation;
	 	 	 
	 	(p)	Provide
    Company A with copies of relevant laws, regulations, decrees and rules of China and other relevant materials required by Company
    A;
	 	 	 
	 	(q)	Full
    fill the obligations under the Agreement and any other related
    contracts to which it is a party.

 

	5.	Representation
    and Warranty 

 

	 	5.1.	Company
    A hereby represents and warrants as follows: 

 

	 	(a)	Company
    A is legally established and validly exists in accordance with the laws of China;
	 	 	 
	 	(b)	Company
    A signs and performs the Agreement within its ability and business scope: it has taken necessary actions and appropriate authorization
    and obtained the consent and approval of the third party as well as pertinent government departments. In addition, it does not violate
    the restrictions of pertinent laws and contracts. 
	 	 	 
	 	(c)	Once
    signed, the Agreement shall constitute the legal, valid and binding obligations of Company A, which can be enforced in accordance
    with the terms hereof. 

 

	 	5.2.	Company
    B hereby represents and warrants as follows: 

 

	 	(a)	Company
    B is legally established and validly exists in accordance with the laws of China;

 

    	7/17

    	 

    

 

	 	(b)	Company
    B signs and performs the Agreement within its ability and business scope: it has taken necessary actions and appropriate authorization
    and obtained the consent and approval of the third party as well as pertinent government departments. In addition, it does not violate
    the restrictions of pertinent laws and contracts. 
	 	 	 
	 	(c)	Once
    signed, the Agreement shall constitute the legal, valid and binding obligations of Company B, which can be enforced in accordance
    with the terms hereof. 

 

	6.	Confidentiality
    Clause 

 

	 	6.1.	Company
    B agrees to employ all reasonable confidentiality measures to keep confidential the confidential materials and information (hereinafter
    referred to as “confidential information”) that it knows or comes into contact with as a result of receiving the exclusive
    consultation and services of Company A; without the prior written consent of company A, company B shall not disclose, accord or assign
    such confidential information to any third party. Once the Agreement is terminated, Company B shall hand over any document, material
    or software containing the confidential information to Company A at the request of Company A, or eliminate, at the option of Company
    B, such confidential information. Company B shall delete the confidential information from any relevant memory device and shall not
    continue to use such information.
	 	 	 
	 	6.2.	Both
    parties agree that the confidentiality clause shall remain in force whether or not the Agreement is changed, rescinded or terminated.

 

    	8/17

    	 

    

 

	7.	Liability for Breach of Contract and Compensation

 

	 	7.1.	Liability
    for breach of contract
	 	 	 
	 	 	Both
    parties agree and confirm that if either party (the breaching party) substantially violates any article herein, or substantially
    fails to perform or delays in performing any obligation under the Agreement, it constitutes a breach hereof (the breach), and the
    non-breaching party (the observant party) has the right to require the breaching party to make rectification or take remedial measures
    within a reasonable period of time. If the breaching party fails to rectify or take remedial measures within a reasonable period
    of time or within ten (10) days after the observant party gives a written notice to the breaching party and puts forward the request,
    the observant party has the right to claim compensation from the breaching party for damages. 
	 	 	 
	 	7.2.	Compensation
    
	 	 	 
	 	 	Company
    B shall fully compensate Company A for any loss, damage, obligation and/or expense caused by any lawsuit, claim or other request
    against Company A from the contents of the consultation and services required by Company B; Company B shall protect Company A from
    any damage and loss caused by the act of Company B or any third party at the request of Company B.

 

	8.	Effective
    Date and Validity Period

 

	 	8.1.	The
    Agreement is signed on the date indicated at the beginning of the Agreement and shall come into force right upon the signature. It
    shall remain effective for ten (10) years unless terminated in advance and in accordance with the terms hereof or relevant agreement
    signed by both parties. 
	 	 	 
	 	8.2.	The
    Agreement shall be automatically extended for ten (10) years upon expiration, unless otherwise agreed in written agreement.

 

    	9/17

    	 

    

 

	9.	Termination
    

 

	 	9.1.	Expiration
    termination
	 	 	 
	 	 	The
    Agreement shall terminate on the expiration date unless otherwise renewed in accordance with relevant provisions hereof. 
	 	 	 
	 	9.2.	Premature
    termination 
	 	 	 
	 	 	During
    the term of the Agreement, Company B shall not terminate the Agreement in advance unless Company A has gross negligence, fraud, other
    illegal acts, bankruptcy, dissolution or termination by operation of law; the Agreement will be terminated if Company B bankrupts
    or dissolves by operation of law before the expiration date hereof. Company A shall always have the right to terminate the Agreement
    at any time by giving a written notice to Company B 30 days in advance.
	 	 	 
	 	9.3.	Terms
    after termination
	 	 	 
	 	 	After
    the termination hereof, the rights and obligations of both parties under article 5 and article 6 shall remain in force.

 

	10.	Applicable
    Law and Dispute Resolution 

 

	 	10.1.	Applicable
    law
	 	 	 
	 	 	The
    Agreement shall be governed by the laws of China in terms of its formation, validity, interpretation, performance and the settlement
    of disputes under the Agreement. 

 

    	10/17

    	 

    

 

	 	10.2.	Dispute
    resolution. 
	 	 	 
	 	 	Any
    dispute caused by the interpretation and performance hereof shall be settled at first by both parties through amicable negotiation.
    If the dispute cannot be settled within thirty (30) days after one party sends a written notice to the other party, either party
    may file a lawsuit to the people’s court with jurisdiction in the place where the Agreement is signed.

 

	11.	Change
    In Law

 

	 	 	After
    the Agreement comes into effect, if any central or local legislative or administrative organ in China modifies its terms of any laws,
    regulations, rules or other normative documents, including the amendment, supplement or repeal of existing laws, regulations, rules
    or other normative documents, the interpretation and promulgation of implementation measures and rules of existing laws, regulations,
    rules or other normative documents (collectively referred to as amendments), or the promulgation of new laws, regulations, rules
    or other normative documents (collectively referred to as new provisions), the following shall apply:

 

	 	11.1.	If
    the revised or newly implemented provisions are more beneficial to either party than the relevant laws, regulations, rules or other
    normative documents in force on the effective date of the Agreement (and the other party is not seriously and negatively affected),
    both parties shall promptly apply for the benefits of the revised or newly implemented provisions from the relevant authorities (if
    necessary). Both parties shall make their best efforts to obtain approval of the application.
	 	 	 
	 	11.2.	If
    the economic interests of Company A under the Agreement are directly or indirectly negatively affected due to the amendments or new
    provisions of related laws, regulations, rules or other normative documents, and both parties are unable to solve the adverse effects
    on the economic interests of Company A in accordance with the provisions hereof, both parties shall make all necessary amendments
    hereto through timely consultation after Company A informs Company B, so as to maintain the economic interests of Company A to the
    maximum extent under the Agreement.

 

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	12.	Force
    Majeure 

 

	 	12.1.	Force
    majeure event refers to any event beyond the reasonable control of one party, which remains unavoidable even under appropriate attention
    of the affected party, including but not limited to natural disasters (fire, flood, rainstorm above category 8 and other extreme
    weather), accidents [public health emergencies (including home quarantine caused by pandemic or other epidemic or administrative
    orders issued by the provincial government of Sichuan Province/municipal government of Chengdu City)], wars, riots, etc.. However,
    lack of credit, funds or financing shall not be regarded as beyond the reasonable control of a party. If the performance of the Agreement
    is delayed or hindered by any force majeure event, the party affected by the force majeure shall bear no responsibility under the
    Agreement in respect of such delayed or hindered performance. The party affected by force majeure event that desires to exempt from
    the performance of its obligations under the Agreement or any term of the Agreement shall notify the other party of such exemption
    at the earliest possible time and inform the other party of the steps it may take to complete the performance.
	 	 	 
	 	12.2.	The
    party affected by force majeure event bears no liability under the Agreement only on the basis that the affected party makes appropriate
    efforts to perform the Agreement and with the efforts hereinabove, the affected party may seek for exemption from the obligation
    limited to the delayed or hindered performance. Once the force majeure event for such exemption is rectifiable and remedial, both
    parties agree to execute their best efforts to resume performance under the Agreement.

 

    	12/17

    	 

    

 

	13.	Others
    

 

	 	13.1.	Notice
    
	 	 	 
	 	 	Notices
    under the Agreement shall be sent by hand, fax or registered mail. If the notice is sent by registered mail, the date of receipt
    recorded on the return receipt of the registered mail shall be the date of service; if it is sent by hand or fax, the date of sending
    shall be the date of service. If it is sent by fax, the original shall be sent by registered mail or delivered by hand immediately
    after sending.
	 	 	 
	 	13.2.	Further
    assurance
	 	 	 
	 	 	Both
    parties agree to promptly sign such documents and take such further actions as are reasonably necessary for the implementation of
    the provisions and the realization of the goals hereof.
	 	 	 
	 	13.3.	Complete contract
	 	 	 
	 	 	The
    Agreement constitutes the complete contract between the two parties on the subject matter hereof, except for the written amendments,
    supplements or modifications made after the signing of the Agreement, and it supersedes all oral or written negotiations, representations
    and contracts on the subject matter hereof reached before.
	 	 	 
	 	13.4.	Heading
	 	 	 
	 	 	Headings
    of the Agreement are for convenience only and shall not be employed to interpret, explain or otherwise affect the meaning of the
    provisions hereof.
	 	 	 
	 	13.5.	Tax
    
	 	 	 
	 	 	All
    taxes and expenses incurred by each party as a result of the signing and performance hereof shall be borne by each party separately.

 

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	 	13.6.	Assignment
    of agreement 
	 	 	 
	 	 	Company
    B shall not assign its rights and/or obligations under the Agreement to any third party except with the prior written consent of
    Company A.
	 	 	 
	 	13.7.	Severability
    of the Agreement
	 	 	 
	 	 	If
    any provision of the Agreement is invalid or unenforceable due to inconsistency with pertinent laws, such provision shall be invalid
    or unenforceable only within the jurisdiction of pertinent laws, and it shall not affect the legal effect of other provisions hereof.
	 	 	 
	 	13.8.	Abstention
    
	 	 	 
	 	 	Either
    party may abstain from the terms and conditions hereof. The abstention shall only be effective when made in writing and signed by
    both parties. The abstention of one party caused by the breach of the other under certain circumstances shall not be deemed as abstention
    of a similar breach of contract by that party under other circumstances.
	 	 	 
	 	13.9.	Amendment
    and supplement to the Agreement 
	 	 	 
	 	 	Both
    parties shall amend and supplement the Agreement by written agreement. The amended and supplemented agreement related to the Agreement
    signed by both parties are integral parts hereof and have the same legal effect as the Agreement.
	 	 	 
	 	13.10.	Agreement
    text 
	 	 	 
	 	 	The
    Agreement is written in Chinese and signed in duplicate. Each party shall keep one. In witness whereof, the parties have their authorized
    representatives signed the Agreement on the date indicated at the beginning of the Agreement. 

 

[No
text below]

 

    	14/17

    	 

    

 

	Chengdu
    Jiulin Ke Fu Technological Co., Ltd. (seal)	 
	 	 	 
	Signature:	 	 
	Name:	Jiulin
    Zhang	 
	Title:	Legal
    Representative	 
	 	 	 
	Sichuan
    Hengguang Insurance Agency Co., Ltd. (seal)	 
	 	 	 
	Signature:	 	 
	Name:
    	Chunling
    Mao	 
	Title:	legal
    representative	 

 

    	15/17

    	 

    

 

Annex
1: Management Consulting and Service Contents

 

Company
A shall provide Company B with the following management consulting and services:

 

	 	(1)	Provide
    development strategy and planning involved in developing insurance agency business of Company B (including but not limited to the
    acquisition of equity of other insurance brokers, the establishment of insurance assessment institutions, etc.), management of APP
    technology in developing insurance agency products, information application on related operation platforms, customer classification,
    overall solution of agency business and company management and consultation, etc.;
	 	 	 
	 	(2)	Provide
    relevant technology application and implementation services for the operation of Company B’s insurance agency business, including
    but not limited to property insurance of, for example, HengKuaiBao insurance APP (auto insurance, non-auto insurance), life insurance
    and software application, system integration as well as their installation, debugging and trial operation of the supermarket functions
    featuring the purchase, marketing and promotion of insurance products which are available for online customers, promotion members
    and insurance agents;
	 	 	 
	 	(3)	For
    Company’s advertising operation, provide it with technical services such as advertising design, software design and page production,
    and provide suggestions for its management consulting;
	 	 	 
	 	(4)	Take
    charge of the daily maintenance and monitoring of Company B’s brand promotion (including information database) and marketing,
    and provide other related consulting services;
	 	 	 
	 	(5)	Provide
    consulting services for Company B to purchase equipment, software and hardware systems needed for the application of its online platform,
    including but not limited to put forward suggestions on the selection of various tools, applications and technical platforms, on
    system installation and debugging, and on the purchase, model and performance of various matching hardware facilities and equipment;
	 	 	 
	 	(6)	Provide
    financial consultation on the questions and settlement of financial subjects and account books d by Company B, so as to make the
    financial treatment of Company B conform to the standards and requirements of American finance and audit;
	 	 	 
	 	(7)	Provide
    staff training and technical support and assistance to Company B, including but not limited to providing appropriate training to
    Company B and its employees, including after-sales or technical service for customers and insurance products; introduce the knowledge
    and experience of system and equipment installation and operation to Company B and its employees so as to enable them to solve the
    problems that occur at any time during the process of system and equipment installation and operation; provide consultation and suggestions
    on other online editing platforms and software to Company B, and assist it in compiling and collecting various kinds of information;
	 	 	 
	 	(8)	Provide
    other consultation services based on Company B’s operation needs

 

[No
text below]

 

    	16/17

    	 

    

Annex
2: Calculation and Payment of Management Consulting and Service 

 

	1.	The
    amount of service fee shall be determined according to the following factors: 
	 	 	 
	 	(1)	The
    difficulty of strategic development planning and the complexity of consulting and management services;
	 	 	 
	 	(2)	The
    time required for Company A to provide such consulting and management services; and 
	 	 	 
	 	(3)	The
    specific content and commercial value of consulting and management services.

 

	2.	Company
    A shall bill Company A quarterly in accordance with the workload and commercial value of the technical services provided by it to
    Company B and the price agreed by both parties; Company B shall pay Company A the corresponding consulting service fee according
    to the date and amount specified in the bill. Company A has the right to adjust the standard of consulting service fee at any time
    according to the quantity and content of consulting services it provides to Company B. The above adjusted consulting service fee
    shall be under the approval of Company A.
	 	 
	3.	Company
    B shall establish and implement accounting system and prepare financial statements in accordance with relevant laws, regulations,
    accounting system and accounting standards of China. Should Company A require, Company B shall prepare separate financial statements
    in accordance with American accounting standards or other accounting standards otherwise required by Company A. Company B shall,
    within 15 days after the end of each calendar month, provide Company A with its financial statements, operation records, business
    contracts and financial information, as well as other reports required by Company A, so that Company A can calculate the amount of
    service fee payable by Company A to it in accordance with the above provisions. Company A has the right to audit all the financial
    statements and other relevant information of Company B at any working time on condition that it notifies Company B in advance within
    a reasonable time. Should Company A question the financial information provided by Company A, it may appoint an independent accountant
    with good reputation to audit the relevant information hereto, and Company B shall cooperate.

 

[No
text below]

 

    	17/17Exhibit
10.4

 

Stock
Pledge Agreement

 

This
agreement is hereinafter referred to as this agreement by the following parties on December 3rd, 2020, signed in
Longquanyi District, Chengdu City, Sichuan Province, The People ’s Republic of China.

 

	Pledgee
    :	Chengdu
    Jiu Lin Ke Fu Technology Co., Ltd
	 	 
	 	Company Registered Address: No.1666, 5-5-3 D2 Building of the district of economic-technology development of Chengdu.
	 	 
	 	The legal representative of the company: Jiu Ling Zhang
	 	 
	 	Social credit code:91510112MA63FAPN76

 

	Pledgors:
    	ChunLing
    Mao 	ID
    No.512925196903070049
	 	 	 
	 	HaiBo Bai	ID
    No.51292519780418335X
	 	 	 
	 	XueFeng Huang	ID
    No.512221197606137615

 

	 	The
    domestic capital company: SiChuan Hengguang insurance agency Co., Ltd legal registered address: The district of economic-technology
    development of Sichuan Chengdu. (District of Long Quan yi)No.1666 of Chenglong Road phase II.
	 	 
	 	The
    legal representative of company: ChunLing Mao
	 	 
	 	Social
    credit code: 91510112762336643W

 

According
to following:

 

1.
The pledgor contribute 100% equity of the domestic capital company. Including 51% by ChunLing Mao, 30% by HaiBo Bai and 19% by
XueFeng Huang.

 

2.
The pledgee is the wholly foreigner-owned enterprise registered in Chengdu, China.The pledgee has signed the appendix doc of this agreement
with the domestic capital company and the pledgor respectively a series of the protocol called the structural protocol. Including
but not limited to the pledge and domestic company on [  ], [  ], 2020, signed the exclusive management
consulting and service agreement.

 

3.
Regarding the domestic capital company and pledgors need full fill all contractual obligation specific which is guaranteed below
the pledgor and all the equity in the domestic capital company. The pledge guarantee shall be provided to the pledgee.

 

Now
all of parties reach the consensus which has reached the following agreement.

 

    	 

    	 

    

 

1.
Definition

 

Unless
there is not specified in this agreement, the following words shall have the meaning as follows:

 

1.1 Contractual obligations: It is pointed out that
the pledgors are listed in the annex I which mentioned the”Loan agreement “, the “Exclusive purchase agreement”
and the terms and conditions of this agreement. All contractual obligations and the representations, guarantees and undertaking promise
as well as pledgors and domestic capital company make the list of exclusive management consulting and service agreement in the Annex
I and entrustment agreement of shareholder voting power which mentioned that all contractual obligations and representations, guarantees
and undertaking promise.

 

1.2 The maximum amount of guarantee: RMB 50 million
only. Such amount of guarantee shall be subject to the provisions of the parties in accordance with Article 2.2 of this agreement and
it will make appropriate adjustments from time to time.

 

1.3 Secured debt: Due to the pledgor and any event
of default of the domestic domestic capital company and all the direct damage or indirect loss and the loss of predictable benefits,
the pledgee is the compulsory the pledgor to carry out its contractual obligations with the company and the cost of realizing the
pledge.

 

1.4 Pledge: See article 2.1 of this agreement for
details.

 

1.5 Pledged of equity: Meaning that all equity legally
held in the domestic capital company. Totally, it accounts for 100% equity of the domestic capital company.

 

1.6 The term of pledge: regarding to the period of
agreement which specified in Clause 3.1.

 

1.7
The agreements listed in the annex: It’s listed in Annex I in the capital agreement of structural agreements.

 

1.8
Event of default: Meaning any of the circumstances listed in Section 7.1.

 

1.9
Notice of default: It is the notice of declaring an event of default issued by the pledgee in accordance with this
agreement.

 

2
Pledge

 

2.1
As a guarantee for pledgors and domestic companies to fully and completely perform their contractual obligations pledgor the equity defined
in this agreement is hereby contributed to the pledgee. The pledgee shall enjoy the pledge guarantee right within the maximum
guarantee amount for the pledged equity rights and interests (“pledge”) which has the priority to be compensated.

 

    	 

    	 

    

 

2.2
Prior to the occurrence of any event of default, the pledgee may notify the pledgor at any time in writing to request the change maximum
guarantee amount for this purpose, the pledgor shall follow the format required by the pledgee sign relevant agreements according to
relevant laws and regulations as for the changed maximum guarantee amount and carry out relevant change registration.

 

3.
The term of pledge.

 

3.1
Pledged equity is under this agreement. When registration of the pledged equity is handled from the market supervision and administration
department of the place where the domestic capital company is registered to start reach up to the date it is the end for termination
until the guaranteed debt is fully paid off.

 

In
accordance with the relevant laws and regulations of China, the pledgor transfer the pledge within 60 days from the date of signing this
agreement. Apply to the local industrial and commercial registration authority of the domestic capital company shall submit
the application documents to make the registration.

 

3.2
During the term of pledge, if the domestic capital company or pledgor fails to fully perform its contractual obligations under
all the structural agreements in accordance with the provisions of the structural agreements or the occurrence of this agreement if any
events of default under Clause 7.1 occurred, then the pledge has the right to comply with the provisions of this agreement, relevant
Chinese laws or regulations.

 

4.
Disposition of pledge.

 

4.1
During the pledge period specified in the agreement, the pledgor shall sign or promote to sign the investment certificate and the
list of the register of shareholder paid by the domestic capital company to sign this agreement and the above documents or
certificate that the pledge has been registered with the market supervision and administration department of the place where the
domestic capital company is registered deliver to the pledgee, and the pledgee shall keep the above documents within the pledge
period which specified in this agreement.

 

4.2
The pledgee has the right to receive all the dividends, all of non-cash income and others cash income generated from the pledged
shares since the date of signing this agreement.

 

5
Declaration and warranty of the pledgor

 

5.1
The pledgor is the legal owner of the pledged equity.

 

5.2
At any time, once the pledgee the exercise of the rights of the pledgee it should not come from any other interference.

 

5.3
The pledgee has the right to dispose of pledge and transfer to the pledgee regarding the agreement.

 

    	 

    	 

    

 

5.4
In addition to the pledgee, the pledgor does not set any other rights of equity pledge or any the third party’s rights.

 

6.
The promise of the pledgor

 

6.1
During the term of this agreement, the pledgor will make individual promise to the pledgee. The pledgor will execute the duty
as following.

 

6.1.1
In addition that the pledgor, pledgees and the domestic capital company will sign agreement on, [  ], 2020. The exclusive
purchase agreement signature shall be submitted to the pledgee or the person designated by the pledgee in accordance with the agreed
terms outside the transfer of equity, the equity shall not be transferred without the prior written consent of the pledgee, No
pledge or other form of security that may affect the rights and interests of the pledgee or others forms of guarantee;

 

6.1.2
Observe and perform all the provisions of the relevant laws and regulations of pledge of rights, upon receipt of the competent
authority shall pledge and be specified in the notice by the instruction and advice to the pledgee within 5 days at the same time,
should observe above notice instruction or advice, abide by the notice of instruction or advice an the reasonable requirements of
the pledgee or regarding the pledgee agreed that these issues put forward the objection and statement.

 

6.1.3
Any event that may affect the equity or any part of the rights of the pledgor and notices which received and the possibility of changing
any guarantee obligation of pledgor in this agreement or any event or notice that may affect the performance of their obligations in
this agreement timely notification to the pledgee.

 

6.2
The pledgor agrees that the pledgee shall exercise the rights of the pledgee in accordance with the terms of this agreement. No successor
or pledgor of the pledgor Person entrusted as well as any other person through legal proceedings to interrupt or obstruct.

 

6.3
In order to protect or perfect the security interests of the pledgor under this agreement. The pledgor will sign in good faith and
urge other interested parties to sign the documents required by the pledgee. All certificates of title contract for perform
and urge other parties with harmful interests to perform the acts required by the pledgee and give the pledgee rights under this
agreement, in the form of authorization. Make convenience with the pledgee or his designee Including natural person and legal
person. All the signed documents related to the change of equity certificate. During a reasonable period of time, it shall provide
pledgor with all necessary notices, orders and decisions concerning the pledge.

 

6.4
The pledgor guarantees to the pledgee that for the benefit of the pledgee, the pledgor will abide by all the conditions of the guaranty
agreement if the pledgor fails to perform or incompletely execute it. The pledgor shall compensate the pledgee for the performance
of the representations and conditions of the guaranty agreement all the loss should be compensated by pledgor to pledgee.

 

    	 

    	 

    

 

6.5
The pledgor make the irrevocably agreed to transfer the pledged the equity of the domestic capital company which pledged to the creditor
by other shareholders due to the pledgee’s execute the pledge which lead to waiving the prority of purchasing.

 

7.
The incident of breach of contract.

 

7.1
The following events shall be deemed as events of default.

 

7.1.1
Pledgor or the domestic capital company fails to fully perform its contractual obligations under all the structural agreements in accordance
with the provisions of the structural agreements.

 

7.1.2
Any statement or warranty made by pledgor in Article 5 of this agreement is substantially misleading or incorrect and the pledgor violates
the statement and guarantee in Article 5 of this agreement.

 

7.1.3
The pledgor violates the commitment in Article 6 of this agreement.

 

7.1.4
The pledgor violates any provision of this agreement.

 

7.1.5
Except as agreed in clause 6.1.1 of agreement. Abandon the equity of the pledgor or transfer or otherwise dispose of the equity of
the pledgor without the written consent of the pledgor.

 

7.1.6
Any loan guarantee, undertaking compensation or other compensation liability of the pledgor:

 

1.
Because of the breach of contract being required to prepay or perform; or

 

2. Due time but is unable to repay or perform on time, the pledgee onside that the pledgor has the ability to perform its obligations
under this agreement which has also been affected.

 

7.1.7
The pledgor is unable to pay general debts or other debts.

 

7.1.8
If this agreement can be executed or made legal and all the government departments needed to take effect consent permission approval
or the authorization is withdrawn, termination, lapse or substantial changing.

 

7.1.9
The pledgor has adverse changes due to the property he owned .as the result, the pledgee’s ability to perform its obligations under
this agreement has also been affected.

 

7.1.10
The successor or trustee of the domestic capital company can only partially or refuse to perform the payment obligations under the service
agreement.

 

    	 

    	 

    

 

7.1.11
Other circumstances regarding the pledgee is unable to exercise his right to dispose of the pledge in accordance with relevant laws.

 

7.2
Regarding the article 7.1, any matters mentioned in the first paragraph or the events that may lead to the above matters have occurred

 

The
pledgor shall immediately notify the pledgee in writing.

 

7.3 If
the events of default listed in Clause 7.1 has not been completed to the satisfaction of the pledgee, and obtained a perfect
solution.

 

8.
The exercise of the pledgee

 

8.1
Before all the restructuring agreements are fully performed, the pledgee shall not give up the transfer or dispose of them in other ways
without the written consent of the pledgee pledged equity.

 

8.2
When exercising the pledge right, the pledgee shall issue a written notice of breach of contract to the pledgor.

 

8.3
Subject to paragraph 7.3, the pledgee may, at the same time as giving notice of breach of contract in accordance with Article 7.3 or
the right to dispose of the pledge at any time after the notice of breach is given.

 

8.4
The obligee has the right to discount all or part of the rights under this agreement in accordance with legal procedures or sell off
by auction and the price of the equity shall be paid in priority until all the guaranteed debts are paid off.

 

8.5
When the pledgee disposes of the pledge in accordance with this Agreement. The lender shall not set up obstacles and shall give
necessary assistance in this way, the pledgee can realize his pledge.

 

8.6
The amount obtained by the pledgee when exercising his pledge. It should be in the following order:

 

1.
Whether all the expenses incurred by the disposal of the pledged equity or the pledgee’s exercise of his rights and
interest (Including the payment of attorneys and agents.)

 

2.
Pay the taxes and fees due to the disposal of the pledged equity.

 

3.
After deducting the above amount, if there is any balance to repay the secured debt to the pledgee. The creditor shall return
the balance to any other person who has the right to the balance naturally or according to relevant laws and regulations, or make escrow
to the notary where the pledgee located. (All expenses incurred by the pledgors shall be borne by the pledgor.) Discount of pledged equity
after auction or sale the price is not enough to pay off the amount of secured debt. The pledgor shall clear it.

 

    	 

    	 

    

 

9.
Liability for breach of contract and compensation.

 

9.1
Liability for breach of contract.

 

Hereinafter agrees and confirm, if either party defaulting
party material breach of any agreement made in this agreement, or substantially fails or delays to perform any of its obligations in
this agreement. It is a breach of this agreement and it belongs to one party of none defaulting parties. In addition to other
relevant rights stipulated in this agreement and the right to ask the defaulting party. Making corrections within a reasonable period
of time or take remedial measures, if the defaulting party or written notice from the other party to the defaulting party and
put forward supplementary evidence within 10 days. It has not been corrected or take necessary remedial measures. The observant party
has the right to demand the breaching party give damages.

 

9.2
Compensation.

 

The
pledgor should be responsible any litigation against the pledgee arising from the execution of this agreement Liability for any loss
or damage arising from a claim or other claim or fees of fully compensate the pledgee and protect him from any act of the pledgor caused
by the behavior of any third party pledgor damages caused to the pledgee by making a request and losses.

 

10
Transfer the possession

 

10.1
Except with the prior consent of the pledgee the pledgor it has no right to grant or transfer its rights under this agreement
rights and obligations.

 

10.2
This Agreement shall be binding upon the pledgor and his successors and pledgee and each successor or assignee all of them were effective.

 

10.3
The pledgee may, at any time, transfer all or any of its rights and obligations under the restructuring agreement to the person designated
by it, natural person or legal person. In this case, the assignee shall enjoy and undertake the rights and obligations enjoyed and undertaken
by the creditor under this agreement as if it were a party to this agreement The pledgee What are the rights and obligations of the pledgee
in transferring the reorganization agreement at the request of the pledgee, the pledgor shall sign the relevant agreement documents on
the transferring.

 

10.4
In case of a new pledge after the change of the pledgee caused by the transfer, both parties shall sign a new pledge agreement.

 

    	 

    	 

    

 

11.
Termination

 

This
Agreement shall be executed after all contractual obligations have been fulfilled or the date when all the guaranteed debts have been
paid off. (Whichever occurs later.)

 

12.
Handling charges and other expenses.

 

12.1
All expenses and actual expenses related to this Agreement, including but not limited to legal fees, cost of production, stamp duty and
any other tax fees, shall be borne by the pledgor. If the pledgee shall pay the relevant taxes and fees as stipulated by law, the pledgee
shall make full compensation based on the taxes and fees paid by the pledgee.

 

12.2
if pledgor is not able to in accordance with the provisions of this agreement, the payment period should pay any taxes and fees, or for
other reasons make the pledgee to take back in any way or manner disposal, people should bear and all costs, including but not limited
to deal with the rights of all kinds of taxes and fees, charges fees, legal fees, legal fees and all kinds of insurance premium, etc.

 

13.
Governing Law and Dispute Resolution.

 

13.1
Governing Law

 

The
conclusion of this Agreement, its validity, interpretation and performance, and the settlement of disputes hereinafter shall be governed
by the laws of the People’s Republic of China.

 

13.2
Dispute Resolution

 

Regarding
interpretation and performance of this agreement and any dispute of this agreement, the parties shall be settled through friendly negotiation
way first, if the other party in a direction for a negotiated solution of a written notice, or within 30 days dispute is still not solved,
that any party to this agreement signed by the court has jurisdiction over the lawsuit according to the law.

 

14
The change in the law

 

After
this agreement comes into effect, if any of the central or local legislation in China or any of the administrative organ of the central
or local regulations or other laws and regulations of the modification of the terms of the normative documents, including the current
rules and laws and regulations and other normative documents made a revision or abolished, or the current law, laws and regulations,
Rules and regulations (collectively referred to as amendments) promulgating new laws, regulations, and other regulatory documents (collectively
referred to as new regulations) shall apply as follows.

 

    	 

    	 

    

 

14.1
If amended agreement or the new regulations are more advantageous than any party to the relevant laws, regulations, rules or other normative
documents in force on the effective date of this agreement and the other party will not be seriously or adversely affected by it, and
the parties concerned shall report to the relevant authorities in timely to apply for these amendments or new provisions, all interested
parties should make their best efforts in the near future to promote the approval of the application.

 

14.2
If the economic interests of the pledgee under this Agreement are directly or indirectly adversely affected as a result of the
amendment or new provisions, and the parties are unable to solve the problem in accordance with the provisions of this agreement
after the pledgee notifies the other parties. All parties shall timely negotiate to make some necessary amendments to this
agreement, so as to maximize the protection of the economic interests of the regime under this agreement.

 

15
Force Majeure.

 

15.1
Force Majeure. Force majeure event refers to any event beyond the reasonable control of one party, which remains unavoidable even under
appropriate attention of the affected party, including but not limited to natural disasters (fire, flood, rainstorm above category 8
and other extreme weather), accidents [public health emergencies (including home quarantine caused by pandemic or other epidemic or administrative
orders issued by the provincial government of Sichuan Province/municipal government of Chengdu City)], wars, riots, etc.. However, lack
of credit, funds or financing shall not be regarded as beyond the reasonable control of a party. If the performance of the Agreement
is delayed or hindered by any force majeure event, the party affected by the force majeure shall bear no responsibility under the Agreement
in respect of such delayed or hindered performance. The party affected by force majeure event that desires to exempt from the performance
of its obligations under the Agreement or any term of the Agreement shall notify the other party of such exemption at the earliest possible
time and inform the other party of the steps it may take to complete the performance.

 

15.2
Regarding the party affected by the event of force majeure shall not bear any responsibility under this agreement but only in the affected
areas, do their reasonable and feasible efforts under the condition of performance of the agreement only the party seeking exemption
from liability can obtain such liability fulfill exempt and only the delayed or hindered part of the journey is the line, once pointed
If the reasons for the exemption are corrected or correct, the parties agree to use their best efforts to resume the obligations under
this agreement to full fill the responsibility.

 

    	 

    	 

    

 

16
Others.

 

16.1
Notice.

 

Notice
under the agreement shall be given by personal delivery, fax or registered mail If the notice is sent by registered mail, the date of
receipt recorded on the receipt of the registered mail the date of delivery, if delivered by hand or by fax, the date of sending shall
be the date of service If it is sent by fax, the original shall be sent immediately after the occurrence by registered post or by personal
delivery.

 

16.2
Further assurance.

 

The
parties agree to promptly sign such documents as are reasonably necessary for the purposes and provisions of this agreement or in its
favor, and failure to enforce the provisions of this agreement and purpose, while taking reasonable need or further action in its favor.

 

16.3
Complete contract

 

Except
as amended in writing after the signing of this agreement In addition to supplement or modification This Agreement constitutes the entire
contract between the parties on the subject matter of this agreement replace all prior oral or written representations and contracts
on the subject matter of this agreement.

 

16.4
Heading

 

The
title of this agreement is for convenience only shall not be used to explain or otherwise affect the meaning of the provisions of this
agreement.

 

16.5
Abstention

 

if
any provision of this agreement is invalid or unenforceable due to the inconsistency between English and relevant laws, then such provision
is only invalid or has no force within the jurisdiction of relevant laws and it could not affect the legal effect of other provisions
of this agreement.

 

16.6
Abstain

 

Either
party may abstain from the terms and conditions of this agreement, but only in writing the waiver made by one party in certain circumstances
in respect of the breach of the contract by the other party shall not be regarded as that party In other cases, the other party has been
given a waiver for similar breach.

 

16.7
Amendment and supplement of the agreement

 

The
parties shall amend and supplement this agreement by written agreement, duly signed by all parties the amendment and supplements to this
agreement.

 

This
agreement is an integral part of this Agreement and has the same legal effect as this agreement.

 

16.8
Text of the resolution

 

This
agreement is written in Chinese.

 

Signed
in quadruplicate. Each party shall hold one copy of this agreement.

 

16.9
Enclosure

 

The
annex listed in this agreement is an integral part of this agreement.

 

    	 

    	 

    

 

The
page of signature of the agreement.

 

	Chengdu
    Jiu Lin Ke Fu Technology Co., Ltd (Seal.)	 
	 	 	 
	Signature:	 	 
	Name
    	JiuLin
    Zhang	 
	Job
    title.	Legal
    representative	 
	 	 	 
	ChunLing
    Mao	 
	Signature:
    	 	 
	 	 	 
	HaiBo
    Bai	 
	Signature:
    	 	 
	 	 	 
	XueFeng
    Huang	 
	Signature:
    	 	 
	 	 	 
	Sichuan
    Hengguang insurance agency Co., Ltd (Seal)	 
	 	 	 
	Signature:
    	 	 
	Name:	ChuanLing
    Mao	 
	Job
    title.	Legal
    representative	 

 

    	 

    	 

    

 

Investment
certificate of Sichuan Hengguang Insurance Agency Co., Ltd

 

In
witness whereof Mr. Chunling Mao (ID card No.512925196903070049) RMB has been contributed RMB25.5 million. It owns 51% equity of
Sichuan Hengguang Insurance Agency Co., Ltd, holding 51% of the equity which has been fully pledged to Chengdu Jiu Lin Ke Fu
Technology Co., Ltd

 

	Signature:	 	 
	Name	Chunling
    Mao	 
	Job
    title.	Legal
    representative	 
	 	 	 
	December
    3rd 2020	 

 

    	 

    	 

    

 

Investment
Certificate of Sichuan Hengguang Insurance Agency Co., Ltd

 

In
witness whereof Mr. Haibo Bai (ID card No.51292519780418335X)RMB has been contributed RMB15 million. It owns 30% equity of Sichuan
Hengguang Insurance Agency Co., Ltd, holding 30% of the equity which has been fully pledged to Chengdu Jiu Lin Ke Fu Technology
Co., Ltd

 

	Signature:	 	 
	Name	Chunling
    Mao	 
	Job
    title.	Legal
    representative	 
	 	 	 
	December
    3rd 2020	 

 

    	 

    	 

    

 

Investment
certificate of Sichuan Hengguang Insurance Agency Co., Ltd

 

In
witness whereof Mr. XueFeng Huang (ID card No.512221197606137615)RMB has been contributed RMB9.5 million. It owns 19% equity of
Sichuan Hengguang Insurance Agency Co., Ltd, holding 19% of the equity which has been fully pledged to Chengdu jiu lin Technology
Service Co., Ltd.

 

	Signature:	 	 
	Name
    :	Chunling
    Mao	 
	Job
    title.	Legal
    representative	 
	 	 	 
	December
    3rd 2020	 

 

    	 

    	 

    

 

Annex
I.

 

List
of structural agreement

 

1.
Chengdu Jiulin Technology Service Co., Ltd. signed the Loan agreement with Chunlin Mao, Haibo Bai and Xuefeng Huang on December
3rd 2020.

 

2.
Chengdu Jiulin Technology Service Co., Ltd. signed the Agreement of Authorized Sole Purchasing with Chunlin Mao, Haibo Bai and
Xuefeng Huang on December 3rd 2020.

 

3.
Chengdu Jiulin Technology Service Co., Ltd. signed the Agreement of Exclusive management consulation and service with Chunlin Mao,
Haibo Bai and Xuefeng Huang on December 3rd 2020.

 

4.
Chengdu Jiulin Technology Service Co., Ltd. signed the Agreement of stock pledge with Chunlin Mao, Haibo Bai and Xuefeng Huang on
December 3rd 2020.

 

5.
Chengdu Jiulin Technology Service Co., Ltd. signed the agreement of authorized voting right of shareholders with Chunlin Mao, Haibo
Bai and Xuefeng Huang on December 3rd 2020.

 

    	 

    	 

    

 

Annex
II.

 

The
register list of shareholders of Sichuan Hengguang Insurance Agency Co., Ltd

 

	Name
    of shareholder	 	Equity
    Ratio.	 	ID
    No.	 	Pledge
    registration
	Chunling
    Mao	 	51%	 	512925196903070049	 	Regarding
    to the Stock Pledge Agreement signed on , 2020,the equity has been pledged to Chengdu Jiulin Technology Service Co., Ltd
	Haibo
    Bai	 	30%	 	51292519780418335X	 	Regarding
    to the Stock Pledge Agreement signed on , 2020,the equity has been pledged to Chengdu Jiulin Technology Service Co., Ltd
	Xuefeng
    Huang	 	19%	 	512221197606137615	 	Regarding
    to the Stock Pledge Agreement signed on , 2020,the equity has been pledged to Chengdu Jiulin Technology Service Co., Ltd

 

	Signature:	 	 
	Name
    	Chunling
    Mao	 
	Job
    title.	Legal
    representative	 
	 	 	 
	December
    3rd 2020

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