Document:

PROJECT
COOPERATION AGREEMENT

 

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

Party
B: Huang Zhiying

 

Party
C: Shenzhen Qianhai Da Fei Financial Services Co., Ltd.

Party
D1: Gao Yunhong

 

Party
D2: Cao Cheng

Party
D3: Qinhuangdao Rongtai Guarantee Co., Ltd.

 

November
16, 2015

 

    	 	 

    	 		 

    

 

PROJECT
COOPERATION AGREEMENT

 

No.:
SZDF-2015-339

 

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

Organization
code certificate: 07858766-5

Legal
representative: Liu Bodang

Address:
F19, Yamai International Centre, Hong Kong Middle Road 7, Shinan District, Qingdao City

 

Party
B: Huang Zhiying

ID
card number: 44018319870627691X

Address:
Room 3601, Tower A, Galaxy Century Building, Futian District, Shenzhen

 

Party
C: Shenzhen Qianhai Da Fei Financial Services Co., Ltd.

Organization
code certificate: 39856942-3

Legal
representative: Cao Cheng

Address:
F36, Tower A, Galaxy Century Building, Caitian Road, Futian District, Shenzhen City

 

Party
D1: Gao Yunhong

ID
card number: 130302197306251612

Address:
F36, Tower A, Galaxy Century Building, Caitian Road, Futian District, Shenzhen City

  

Party
D2: Cao Cheng

ID
card number: 431003198108063510

Address:
F36, Tower A, Galaxy Century Building, Caitian Road, Futian District, Shenzhen City

  

Party
D3: Qinhuangdao Rongtai Guarantee Co., Ltd.

Organization
code certificate: 79545631-8

Legal
Representative: Gao Yunhong

Address:
231-1, Middle Section, Hebei Avenue, Haigang District, Qinhuangdao

 

    	 	 

    	 		 

    

 

IN
WITNESS WHEREOF, the Agreement is hereby executed by/among Party A, Party B, Party C, and Party D (including Party D1, Party D2
and Party D3) (the parties hereinafter) under the principle of equality, free-will, mutual benefit, and honesty and trustworthiness,
through friendly negotiation, on cooperation matters relating to personal loans service hereunder, pursuant to “Contract
Law”, “Security Law” and other relevant national laws and regulations, for the purpose of promoting financial
innovation, supporting the establishment of credit financing system in China, and resolving the difficulties in financing by micro-credit
borrowers.

 

Article
I: Relationships between the parties

 

Under
the Agreement, Party A is the operator of Huiying Financing Service, a P2P platform (www.hvif.com, hereinafter referred to as
“Party A’s platform” or “HFS platform), with investment demand resources.

 

Party
B hereunder is a natural person that proposes to finance via repurchase-type financial claim transfer from Party A platform investors
recommended by Party A (Party A platform investors hereinafter), holding financial claims as approved by Party C via examination
and verification.

 

Party
C hereunder (including any of its branches and subsidiaries under Party C) is a consumer-finance-related intermediary service
provider, with financing demand clients resource.

 

Party
D hereunder (including Party D1, Party D2 and Party D3): Party D1 and Party D2 act as shareholders of Party C, and Party D3 is
an affiliated company of Party C.

 

Article
II: Cooperation mode

 

2.1
Party B transfers its claims to Party A’s platform investors in the form of claims transfer via Party A’s platform,
and promises to repurchase such claims within a certain period of time, as agreed upon hereunder.

 

2.2
Party A provides Party A platform investor and Party B with intermediary services and transfer management services, thereby to
facilitate completion of financing transactions.

 

2.3
Party C shall review and examine Party B’s claims, and report/submit to Party A in the manner as agreed upon.

 

2.4
Acting as the shareholder and affiliate of Party C, Party D shall provide guarantee and security of joint and several liable to
Party A platform investors for debt repayment by Party B hereunder.

 

2.5
The parties have acknowledged, fully accepted and are willing to comply with “Terms of Use and Service of Huiying Financing
Service” (detailed in www.hyjf.com), and to comply with this cooperation service model under the Agreement.

 

The
debtor corresponding to the “claims” as mentioned in the above Article 2.1, as well as the following “claims”
means any consumer applying for customer loans via Party C.

 

Article
III: Operating procedures

 

3.1
Party A shall perform credit investigation and tracking management on Party B and Party C; grant Party C to recommend Party B’s
claims to Party A, thus financing via transfer on Party A’s “Huiying Financing Service” platform.

  

    	 	 

    	 		 

    

 

 3.2
Party C shall, on T Day, push information on any eligible debtor claimed by Party B (hereinafter referred to as “subordinate
debtor”) to Party A via manual data tables / system data exchange, containing the following fields:

 

	Full
name 
	 	ID
number 
	 	Repayment
bank card (card number / bank) 
	 	Gender 
	 	Registered
permanent residence address/ Current address 
	 	 

        Employer 
	 	Product
name / model 

	Product
    price	 	Loan
    amount (RMB yuan) (consumer loans / cash loans)	 	Loan
    term (months)	 	Booth
    information (name / phone / address)	 	Personal
    contact information	 	Other
    contact information (family, employer, etc.)	 	 Existing
loan of borrower

 

3.3
Party A shall complete review on T + 1 Day, after receiving claim projects of Party B from Party C; such the project review includes
but is not limited to the subordinate debtor data collection, verifying basic information and other relevant information, telephone
sampling survey, etc. Party A shall send the list of qualified subordinate debtors to Party C, before 10:00, on T + 1 Day, via
manual data tables / system data exchange. Within 1 hour after receiving the list, Party C shall fill out a complete “Commitment
Letter” (the “Letter” for short hereinafter) and “List of Claim Transfer Project” (the “List”
for short hereinafter), sign and seal such Letters and Lists, then send back the scanned copies to Party A. Party C warrants Party
A’s margin account balance is greater or equal to total balance of Party B claims transfer projects (including T Day transfer
projects).

 

The
original Lists and Letters shall be mailed via the following ways: within 30 days from the beginning of the first transfer of
claims, Party C shall mail the original Lists and Letters to Party C on a daily basis. After 30 days, Party C shall mail twice
a week (to be mailed by Party C tentatively on every Monday and Wednesday). Party C shall choose appropriate mailing and post
approaches.

 

In
time of reviewing, Party A shall have the right to refuse any claim projects of Party B from Party C.

 

3.4
Party A warrants Party A platform investors’ capital (hereinafter also known as “investment principal”) is transferred
to Party B’s account via a third-party payment agency on T + 2 day (the date when Party B’s bank account receive such
payment shall be deemed as “full-scale lending date” or “the starting date of claim transfer”), upon transfer
of the capital to the account, the investors’ leading obligation shall be considered fulfilled.

 

3.5
Upon financing successfully, the subordinate debtor shall still repay according to the conditions under the loan agreement with
Party B, Party C will be fully responsible for post-loan management of the subordinate debtor; in case the subordinate debtor
is about to suffer/suffers any difficulties that affect the performance capability thereunder, Party C shall promptly take effective
measures to guarantee the safety of such claims.

 

3.6
The day before the full scale lending day corresponding to the repayment date (if the full scale lending day is January 5, the
monthly repayment day shall be the 4th day each month. If such the repayment day doesn’t exist on subsequent
repayment process, it will be adjusted to the last day of the month automatically. In case of statutory holidays or public holidays,
the repayment date shall be automatically advanced to the day before such the holidays.

 

3.7
On the repayment day, Party C shall warrant Party B has sufficient funds in its payment agency account to repay all payable dues
in current month (including principal, interest and all other costs).

 

Monthly
payable = PMT (annual yield / 12, claims transfer period, investment principal)

 

The
period of claim transfer shall be calculated on a monthly basis. If the remaining repayment period of subordinate debtor is more
than 12 months as of the starting date of transfer of claims, the claims transfer period shall be 12 months; if the remaining
repayment period of subordinate debtor is less than 12 months as of the starting date of transfer of claims, the claims transfer
period shall be actual remaining repayment period. The annual yield is ().

 

    	 	 

    	 		 

    

 

3.8
Party B shall repurchase all of the claims held by Party A platform investors prior to 14:30 on the expiration date of claims
transfer period, and pay the repurchase amount, total RMB ______________yuan.

 

Article
IV: Credit granting

 

4.1
The maximum credit line to Party B for transfer of claims hereunder is RMB ___________ yuan. (The maximum credit line is the ceiling
amount of outstanding principal negotiable granted by Party A to Party B, within the credit granting valid period.)

 

4.2
The maximum credit line hereunder is valid for 12 months, from __________ to__________.

 

4.3
Within the valid period of the maximum credit line, the total balance of claim transfer project by Party B shall not exceed the
maximum credit line.

 

4.4
In any claim transfer projects by Party B, the starting time of subordinate debtor's loan shall not be later than the expiry day
of the maximum credit line.

 

4.5
Within the valid period of the maximum credit line, the daily amount of claim transfer project by Party B shall not exceed 3.00
million yuan. If the claim’s transfer period is within 12 months, such period shall start from the starting date of transfer
of claims.

 

4.6
If the cumulative principal balance of Party B’s claim transfer projects is up to the ceiling of the maximum credit line,
both parties may further negotiate to determine whether to increase maximum credit line as actual cooperation needs.

 

4.7
If Party A considers that any event or circumstance occurs, which results in/may result in derogation of performance hereunder
by Party B or Party C or any damage to the interests of Party A platform investors during the process of cooperation, Party A
shall have the right to adjust the maximum credit line and effective credit period.

 

In
case Party A adjusts the maximum credit line and effective credit period; the adjusted shall prevail and be finally performed
hereunder.

 

Article
V: Cost of capital and margin

 

5.1
Proportion of the cost of capital

 

5.1.1
Costs: Party A and Party A platform investors shall charge the relevant fees in accordance with the annual yield of _____________.
Such the fees shall be regarded all investment income for Party A platform investors and also all service charges payable to Party
A.

 

5.1.2
Starting time: The starting time of transfer of claims shall be subject to actual full-scale lending day of Party A P2P platform.

 

5.2
Margin

 

5.2.1
In addition to providing joint liability guarantee in accordance with the terms of guarantee, Party C shall also pay margin to
Party A at a certain percentage as money collateral security for principal, interest, liquidated damages, costs and expenses arising
from enforcing the claims. Which are payable by Party B to Party A and Party A platform investors.

 

5.2.2
During the process of cooperation, Party C shall pay margin to Party A on basis of total balances of claims transfer projects
of Party A platform investors (on a basis of RMB _______ yuan, paid or added on whole multiples of RMB ___ yuan. The balance of
the margin retained shall be corresponding to the total balance of claims transfer projects; if the margin balance falls below
amount payable, Party C shall make up on the day when the margin becomes insufficient. On the 3rd day each month, the
margin shall be settled (postponed accordingly in case of holidays). If the amount of margin is higher than the proportion as
required hereto as of the settlement date, Party A shall refund margin to Party C.

 

    	 	 

    	 		 

    

 

5.2.3
If the total balance of Party A platform investors increases or Party B fails to repay as scheduled, causing the margin account
balance to fall below the amount as required in Article 5.2.2, Party B shall make up immediately before 14:30 on the occurrence
day hereto, until the margin account balance is up to the amount as required.

 

5.2.4
Party A warrants that the margin paid by Party C is only used for the purpose specified hereunder, not applied into any other
purposes.

 

5.2.5
In case the corresponding amount of Party C’s margin is offset, Party C shall be also obligated to repay any sum and costs
that have not been repaid to Party A and Party A platform investors till then.

 

5.2.6
Party A shall, within 5 working days after claims repurchase by Party B, refund corresponding margin to Party C’s designated
account.

 

Margin
deposit account

 

	 	 	 Account
beneficiary name
	 	 Account
number
	 	Bank
    of deposit
	 	 	 	 	 	 	 
	Margin
    account	 	Benefactum
    Alliance Business Consultant (Beijing) Co., Ltd.	 	 	 	China
    Construction Bank Qingdao Branch 

 

Party
C designated account

 

	 	 	Account
    beneficiary name	 	Account
    number	 	Bank
    of deposit
	Party
    C’s designated account	 	Shenzhen
    Qianhai Da Fei Financial Services Ltd.	 	 	 	China
    Construction Bank ________Branch

 

Article
VI: Liability for guarantee

 

6.1
Party C and Party D are willing to provide joint and several liability guarantees for Party B's obligations to Party A and Party
A platform investors under this Agreement, within the maximum credit line.

 

6.2
Party C and Party D agree to bear joint and several repayment liabilities for any amount payable under claims transfer projects
by Party B hereunder or under any other agreements in connection with this Agreement.

 

6.3
Party C and Party D agree to provide guarantees for the claims repurchased by Party B in time of expiration of claims transfer
hereunder or under any other agreements in connection with this Agreement.

 

6.4
Party C and Party D warrant: if Party B fails to repay or pay any other costs as scheduled in full amount, Party C and Party D
will repay/pay for Party B before 14:30 on the due date of current month; in case of failure in repayment for Party B, Party A
may deduct from the margin of Party C directly.

 

    	 	 

    	 		 

    

 

6.5
The scope of guarantees by Party C and Party D includes but is not limited to specific principal, interest, liquidated damages,
legal fees, lawyer fees, security fees and all other related costs arising from realization of claims, which are payable by Party
B.

 

6.6
The period of guarantees by Party C and Party D shall start from the expiry date of amount payable by Party B (all principal,
interest and other related costs) until the actual full-amount repayment date.

 

6.7
Party C and Party D warrant any claims, corresponding to the financing projects by Party B via Party A platform in form of claims
transfer, are transferred in one-off manner only. After transfer via Party A’s platform, it is prohibited to transfer such
claims through any other channels.

 

Article
VII: Rights and obligations

 

7.1
Rights and obligations of Party A

 

7.1.1
Party A is entitled to perform due diligence on Party B and Party C in accordance with the Company's internal regulations and
requirements, including, but not limited to verifying basic information, operation, risk control, financial status of Party B
and Party C.

 

7.1.2
Party A is entitled to review Party B’s claims project and decide whether to recommend them to investors on its own decisions.

 

7.1.3
Party A is entitled to perform a post-loan inspection on the site of Party C or Party B on a regular basis, and to collect data
on a regular basis, including but not limited to related business information, financial data, corporate information, etc., from
both parties hereto. Party B and Party C shall fully cooperate without evading or providing false information for any reason.

 

7.1.4
In case any of Party B’s claim projects becomes overdue, Party A shall have the right to request Party B and Party C to
party assume guarantee responsibility hereunder, and repay for Party B’s unperformed part hereunder.

 

7.1.5
Party A shall be obliged to keep confidential information or material that Party B or Party C provides.

 

7.1.6
Party A is obliged to give the reason for the rejection in time of rejecting claims transfer project from Party B.

 

7.1.7
The subordinate debtor information provided by Party B and Party C are used for review by Party A only. Without the written consent
of Party B and Party C, Party A and Party A platform investors shall neither apply the aforementioned information into any form
of market marketing, product promotion or other purposes, nor disclose to any third party.

 

7.2
Rights and obligations of Party B and Party C

 

7.2.1
Party C is entitled to perform independent investigation on Party B’s claims transfer projects in accordance with the Company's
internal processes, requirements, and provisions.

 

7.2.2
Party B and Party C are obligated to provide Party A with true, complete, effective and accurate information on claims transfer
or the Company; the financial statements submitted shall reflect the true financial situation as of issuing date of such the financial
statements; in case of any information changes, they shall promptly notify to Party A.

 

7.2.3
Party C is obligated to data confidentiality and integrity during field transmission of claim transfer projects hereto by Party
B. In case of private leakage or field missing or incomplete information, Party C shall remedy timely.

 

7.2.4
Party C is obliged to track the performance of Party B’s subordinate debtor in repayment of principal and interest

 

    	 	 

    	 		 

    

 

7.2.5
in case of major changes in Party C, the shareholders of Party C, Party D, or major event arising therefrom, Party C and Party
D are obliged to disclose to Party A in a timely manner; such major changes or major events include but are not limited to the
following:

 

		(1)	change
                                         in registered capital, ownership structure, legal representative or actual controller,
                                         main business, corporate organization form;
		(2)	commencement
                                         of liquidation, dissolution, bankruptcy, merger, separation, custody and other similar
                                         procedures;
		(3)	litigation,
                                         claims, assets freezing, seizure or any other enforcement measures, which amount is more
                                         than 5 million yuan.
		(4)	Party
                                         C or Party C’s shareholder, actual controller, or Party D are investigated or required
                                         to assist in the investigation by judicial administration due to allegedly illegal behaviors.
		(5)	other
                                         cases affecting financial conditions or solvency conditions of Party B, Party C, or Party
                                         D.

7.2.6
if Party B or Party C acts in following manners or Party A reasonably judges Party B or Party C may act in following manners,
Party A shall be entitled to terminate this Agreement; Party B shall repurchase all claims projects within seven days after termination
hereto and make one-off payment to Party A. within 7 days from the date of receiving above claims repurchase payment, Party A
shall deliver the cooperation projects related information to Party B, and the corresponding claims shall be owned by Party B.

 

		(1)	Party
                                         B claims transfer projects become overdue for cumulative three times, but Party D or
                                         Party C does not timely repay for Party B.
		(2)	Party
                                         C’s margin is insufficient and Party C fails to make up above the agreed proportion
                                         under Article 5.2.2, after notification by Party A;
		(3)	the
                                         above agreed matters under Article 7.2.5 are not promptly notified to Party A, thus causing
                                         any losses to Party A.

 

Article
VIII: Privacy Policy

 

The
parties shall strictly keep commercial secrets confidential. Without the consent of the other parties, no party shall disclose
any contents of this Agreement and any related data.

 

Article
IX: Dispute resolution

 

This
Agreement is subject to laws of People's Republic of China. Any dispute arising during performance of the Agreement shall be resolved
by the parties through negotiation; if such negotiation fails, it shall be submitted to the people count with jurisdiction, in
the region where the Agreement is executed.

 

Article
X: Effectiveness and change

 

10.1
The Agreement shall take effect from the date of signing until Party B’s claims project are fully repurchased or Party C
and Party D have fulfilled the guarantee liability hereunder.

 

10.2
Except as otherwise expressly provided in applicable law or this Agreement, any early termination of or any modification to this
Agreement shall be subject to confirmation by the parties in writing.

 

10.3
The Agreement is made in six copies, and becomes effective from the date of stamping and signature by the parties; each party
holds one, and all of them have the same legal effect.

 

10.4
The Agreement is executed on November 16, 2015 in Qingdao City.

 

(Blank
Below)

(Signature
and sealing pages only hereunder)

 

    	 	 

    	 		 

    

  

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

Signature
by legal representative or authorized representative:

November
16, 2015

 

 

Party
B (Signature)

November
16, 2015

  

Party
C (Signature): Shenzhen Qianhai Da Fei Financial Services Co., Ltd.

Signature
by Legal representative or authorized representative:

November
16, 2015

 

 

Party
D1 (Signature):

November
16, 2015

 

 

Party
D2 (Signature):

November
16, 2015

 

 

Party
D3 (signature): Qinhuangdao Rongtai Guarantee Co. Ltd.

Signature
by Legal representative or authorized representative:

November
16, 2015Cooperation
Agreement

Between
Benefactum Alliance Business Consultant (Beijing) Co., Ltd. 

and
Weifang Run Ze Pawnshop Co., Ltd.

 

This
agreement is made and entered into in Qingdao on October 19, 2015 by and between the following parties.

 

Party
A: Benefactum Alliance Business Consultant (Beijing) Co., Ltd. (hereinafter referred to as “Benefactum Alliance Business”)

 

Legal
representative:

 

Party
B: Weifang Run Ze Pawnshop Co., Ltd. (hereinafter referred to as “Run Ze Pawnshop”)

 

Legal
representative:

 

Whereas:

 

1.
Party A is a company operating internet financial service platform, which has good reputation, excellent group, high-quality and
efficiency service standards and advanced operation and management experience.

 

2.
Party B is a surviving pawnshop legally registered in _____ , and has obtained the business license of such work, with good
reputation and professional competence;

 

3.
The program of “Huiyingjinfu” (hyjf.com) owned by Party A, is a new type of internet financial brokerage service platform,
which has good prospects for development;

 

4.
Party B volunteers to play the advantage of its own professional, cooperating with Party A through “Huiyingjinfu”
internet financial service platform to develop financial service;

 

5.
Party B has known and fully accept and obey the Application and Service Terms of Huiyingjinfu of “Huiyingjinfu Platform”
(see the contents published on hyjf.com for details, as the appendix of this agreement), and obey the cooperative service mode
specified in this agreement as the following.

 

6.
Both parties hereto shall actively explore and take advantage of internet technology, working on small and micro enterprise financing,
personal loan and investment service under this agreement based on the principle of equality and voluntariness, honesty and credibility
and reciprocity and mutual benefit, complying with the laws and regulations as well as regulatory system.

 

    	 	 	 

     

    

 

Though
the negotiation, both parties of this agreement have reached the following:

 

I.
On cooperative mode

 

1.
Party A is the intermediary, whose primary tasks are:

 

(1)Release
financing information, audit and certify the authenticity of the information and guarantee the information safety of the customers;

 

(2)Provide
with financial consult and other consulting value-added services, facilitating the creditor’s right program transferring
of Party B through the platform of “Huiyingjinfu”;

 

(3)Coordinate
and manage the cooperation of each participant in “Huiyingjinfu” internet financing service platform; maintain the
normal operation of “Huiyingjinfu” internet financing service platform;

 

(4)Entrust
the third party to manage the capital account;

 

(5)Assist
the assignee of creditor’s right (platform investor) in performing or executing under authorization the contract rights;

 

(6)Other
services in relation to “Huiyingjinfu”.

 

2.
Party B is the assignor of creditor’s right and its main tasks are:

 

(1)Examine
and ratify the authenticity of the program information of creditor’s right, and conduct diligence investigation on the financing
programs commended in accordance with the relevant laws and regulations;

 

(2)provide
Party A with credit guarantee, making sure that the ownership of financing project is clear; provide with detailed and feasible
assets disposal scheme and give feedback on disposal condition of the financing project, performance ability of the enterprise
and the solvency change to Party A;

 

(3)
Party B must repurchase the creditor’s right prior to the expiration of financing period of creditor’s right program;

 

    	 	 	 

     

    

 

3.
Credit extension

 

(1)Prior
to the assignment of this agreement, Party A has passed its own investigation and credit granting process; through the confirmation,
Party A awards Party B with line of credit of RMB Two Hundred Million Yuan under this agreement, in which Party B may conduct
the credit assignment according to the requirements of Party A.

 

(2)During
the performance of this agreement, the line of credit may be improved through the application of Party B and approval of Party
A if Party A think so.

 

(3)The
credit extension under this agreement is only applicable to the purpose of cooperative mode negotiated between both parties hereto,
unless otherwise agreed.

 

4.
Cooperation period

 

(1)Both
parties hereto confirm that the cooperation period is one year from the date when this agreement comes into effect.

 

(2)After
the agreement expires, this agreement is null and void automatically if both parties hereto did not confirm to continue cooperate
in written form. Both parties hereto shall sign on written agreement separately if continuing cooperation is needed.

 

(3)The
rescission and termination of this agreement shall not affect the effectiveness of the specific business contract confirmed by
both parties hereto under this agreement.

 

5.
Margin terms

 

(1)Party
B shall pay Party A 3% of each single creditor’s right item amount as margin to guarantee the benefit of Party A and platform
investor of Party A, providing with guarantee in the way of cash pledge for the creditor’s right project.

 

(2)the
insurance coverage is the investment capital, income, interest, liquidated damages, expenses and other expenses realizing the
creditor’s right that Party B shall pay Party A and the platform investor of Party A.

 

(3)Party
B shall pay Party A margin in the designated account of Party A (Username:____; Bank name:____; Account number:____) prior to
the release of each single creditor’s right item in the platform of Party A.

 

(4)At
the expiration of repurchase period of each single creditor’s right, Party B repurchase the creditor’s right in accordance
with the agreement; Party A shall return Party B the margin (without interest calculation) if all payables and expenses are paid.

 

    	 	 	 

     

    

 

(5)Party
A has the right to offset the margin deposited by Party B directly if Party B did not repurchase the creditor’s right, pay
for investment capital, income, liquidated damages and expenses in accordance with the contract deadline.

 

(6)For
any single creditor’s right item that Party B did not perform the repurchase obligation in accordance with the agreement,
Party A has the right to offset the margin released by Party B on the platform for the payable capital, income, liquidated damages,
expenses and other funds.

 

(7)After
the corresponding offset of the margin deposited by Party B, Party B shall still undertake the payment obligations on payables
and expenses not paid for Party A and platform investor.

 

(8)After
the offset of the margin deposited by Party B in accordance with the agreement, Party B shall complement the margin; Party A has
the right to suspend the performance of the Cooperative Agreement and not to release the bid for creditor’s right item of
Party B.

 

II.
Basic requirements for credit assignment

 

1.
The creditor’s right mentioned in the credit assignment of this agreement must be equipped with the following conditions:

 

(1)The
creditor’s right obtained by Party B through normal operation in accordance with the relevant specifications;

 

(2)The
creditor’s rights corresponding to the credit assignment has been evaluated and checked strictly and carefully in accordance
with internal risk management system and standards;

 

(3)The
maximum amount for transference of the creditors’ right must meet the provisions on pawnshop in the pawn operation and management
measures, and the amount of single creditor’s right loan shall not exceed RMB 20 Million Yuan;

 

(4)The
financing purpose of creditor’s rights items are limited to operation and legal consumption, the interest rate shall not
be higher than four times of the current benchmark interest rate for loan issued by the People’s Bank of China, the loan
term shall not exceed 6 months and the payment method is to repay the due capital with interest;

 

(5)The
creditor’s rights corresponding to the financing items with the method of credit assignment by Party B in the platform of
Party A is allowed to be conducted with one-time credit assignment in the platform of Party A; after the assignment of creditor’s
rights in the platform of Party A, Party B shall not transfer such creditor’s rights in other platforms or through other
channels any more. All legal liabilities shall be borne by Party B if there is any violation of Party B, and all loss caused to
Party A and the platform investor of Party A shall be undertaken by Party B.

 

    	 	 	 

     

    

 

III.
Commitment and special agreement

 

1.
Party B commitments that the information provided with Party A during the cooperation period is authentic and effective, and volunteer
to undertake the guarantee liability of its authenticity; Party B volunteers to undertake all compensation liabilities of the
loss caused to Party A or the platform investor (assignee of creditor’s right) due to the negligence.

 

2.
Both parties hereto confirm that the electronic signatures or electronic confirmation used in the “Huiyingjinfu” internet
financing service platform are all considered as true and produce the same legal effect as that in written confirmation in accordance
with laws, and both parties hereto shall fully perform the obligations and rights specified in the electronic contract or legal
documents.

 

IV.
Risk management mechanism

 

1.
Party B conducts due diligence for the borrower according to the internal management system and operating procedures and require
the borrower to provide a third party security, deposit guarantee, mortgage guarantee, pledge guarantee and other security guarantees
according to the credit conditions of the borrower.

 

2.
Party A has the right to conduct the diligence investigation on the creditor’s assets transferred by Party B or entrust
the third party to make examination on the creditor’s assets transferred by Party B to guarantee the capital security of
the investor.

 

3.
At the expiration of creditor’s rights item, if Party B fails to repurchase creditor’s rights in accordance with the
agreement or there are other event of default, Party A has the right to ask Party B to perform the repurchase obligations, pay
for repurchase and compensate for economic loss (including but limited to capital loss) according to the commission and authorization
of platform investor (assignee of creditor’s right), and the expenses incurred such as counsel fee, travel expenses, valuation
fee, auction fee, legal fee, etc., are all born by Party B;

 

    	 	 	 

     

    

 

V.
Service charge

 

1.
Party A provides Party B with financing consult and brokerage service, charging Party B for brokerage service fees and for account
management fees according to project loan terms;

 

The
charging standards are as the follows: 1.5% for the financing period within one month (inclusive); 2% for the financing period
within 2-3 months (including 3 months); 2.2% for the financing period within 4-5 months (including 5 months); 3% for the financing
period of six months; the account management fee is 0.3% each month;

 

2.
The brokerage service charged by Party A is charged at a time when the items of creditor’s rights are transferred in the
platform, and the account management fee charged by Party A is charged at a time during the creditor’s rights repurchase
of Party B;

 

3.
The fees discussed above may be paid through the third-party payment agency by transferring funds from borrowing party’s
account.

 

VI.
Information protection and use

 

1.
Both parties have obligations to keep clients’ information that is obtained during cooperation confidential, and shall not
use or disclose it without the clients’ consent.

 

2.
After obtaining Party B’s and Party B’ Clients’ consents, Party A may reasonably use and disclose clients’
information to the extent as described in Application and Service Terms of Huiyingjinfu.

 

3.
Without Party A’s permission, Party B shall not use information that was obtained from Party A’ “Huiyingjinfu”
internet financial platform, and shall not build a similar platform or system.

 

    	 	 	 

     

    

 

VII.
Liabilities of Breach of Contract

 

1.
Party A and Party B shall obey this agreement and its attachment. If one defaults, it shall be liable for the breach of contact.

 

2.If
a lending contract of the creditor’s rights project is void due to the fact that Party B provides untrue information, Party
B shall indemnify Party A’s loss according to the agreement, an also shall pay a fine at the amount of 30% of the loan amount
involved.

 

3.
If Party B fails to conduct due diligence on borrower’s situations, and such failure leads to investors’ (rights assignees)
or Party A’s loss, Party B shall indemnify Party A’s loss, and Party B shall pay Party a fine at the amount of 10%
of the loan amount involved.

 

4.
If Party A or Party B breaches the confidentiality, the breach party shall pay the other party one million RMB as a fine and indemnify
the other party’s loss. The other party will gain the right to terminate the agreement.

 

5.
If Party B breaches the contract in other aspects and cause loss to Party A, Party B shall indemnify the loss and pay Party A
one million RMB as a fine.

 

6.
Party A shall compensate for the loss caused to Party B resulted from the violation of Party A and pay for RMB 1 million
yuan as liquidated damages.

 

7.
The loss referred in this agreement includes but not limited to service expenses of creditor’s rights items, principle and
interest, liquidated damages and counsel fee, travel fee, evaluation fee, auction fee, lawsuit fees and others produced by the
claim.

 

VIII.
Agreement dissolution

 

1.
Both parties hereto may terminate this agreement through negotiation. Otherwise, neither party shall terminate this agreement,
unless otherwise agreed in this agreement. The default party terminating this agreement arbitrarily shall pay for the observant
party RMB 1 million yuan as liquidated damages.

 

    	 	 	 

     

    

 

2.
This contract shall terminate automatically if Party B loses the qualification of the pawn service, or the company of Party B
is under cancellation, revocation, bankruptcy or dissolution, and the matters concerning reconstruction shall be solved by Party
B’s shareholders or corresponding obligees and Party A through negotiation.

 

3.
After the termination of this agreement, the items has been signed and taken into effect during the performance of the agreement
but not fulfilled completely shall be performed by Party B continuously, simultaneously, applicable to the appointment of this
contract on violation and risk management mechanism.

 

IX.
Others

 

1.
Both parties hereto confirm that the respective address for service and the contacts are as the follows:

 

Party
A: Benefactum Alliance Business Consultant (Beijing) Co., Ltd. (hereinafter referred to as “Benefactum Alliance Business”)

 

Address:

 

Contact:

 

Tel:

 

E-mail:

 

Party
B: Weifang Run Ze Pawnshop Co., Ltd. (hereinafter referred to as “Run Ze Pawnshop”)

 

Address:

 

Contact:

 

Tel:

 

E-mail:

 

Both
parties hereto shall timely notify the other party in written form if there is any modification on the residence and communication
address, otherwise the relevant documents sent to the above mentioned address shall be considered as arrived even if rejected
or returned.

 

    	 	 	 

     

    

 

2.
The dispute arising from the performance of this agreement shall be solved by both parties hereto through negotiation or submitted
to people’s court for judgment if no consensus reached.

 

3.
Both parties shall make and enter into a supplementary agreement on the unsettled issues of this agreement through separate negotiation.

 

4.
This agreement shall be held in four copies of the same form and come into effect since the date of the signature and stamp by
both parties hereto. Each party shall preserve one copy with equal legal effect.

 

 

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

 

	Legal
    representative or authorized agent: (sign) 

    October 19, 2015		 

 

 

 

Party
B: Weifang Run Ze Pawnshop Co., Ltd.

 

	Legal
    representative or authorized agent: (sign) 

    October 19, 2015

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