Document:

Cooperation Structure Agreement

 

Party A: Shandong Yin Qiao Guarantee Limited
Company

 

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

 

Whereas:

 

	1.	Benefactum Alliance
    Business Consultant (Beijing) Co., Ltd. is a legally established and a limited liability company with business nature providing
    credit counseling, informational counseling for the debtor and creditor and intercepting service, having a management right
    of www.hxjf.com (hereinafter referred to as “website”).
	 	 
	2.	Shandong Yin Qiao Guarantee Limited Company is a legally established and a limited liability company with a guaranteed qualification of financing and wishes to establish long-term strategic cooperative relations with Party B and provide assurance services for borrowers of the website.

 

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

 

	I.	Shandong Yin Qiao Guarantee Limited Company and Benefactum Alliance Business Consultant (Beijing) Co., Ltd. voluntarily set up strategic cooperative relations, and insist on business principles of legal management, standard management, top quality service, risk resistance, equity and integrity and equity and free will.
	 	 
	II.	Party B accepts loan applications submitted by institutions or individuals via Huiyingjinfu website. After being agreed upon by loan applicant and giving the related materials of loan application to Party A, Party A shall provide Party B with a written Guarantee Letter of Commitment if Party A agrees to be guarantor after examinations.
	 	 
	III.	After entering into the cooperative intent of both parties, Party A can have an assessment review for the programs of loan applications on the website of Party B. For loan applications approved by Party A, Party A shall sign relevant contracts with Party B and the cooperative institutions or loan applicants thereof in time. 
	 	 
	IV.	Both parties shall co-operate closely on the preliminary examination work and customer service and work efficiency improvement as the basic principles of cooperation.
	 	 
	V.	In respect of monitoring during the work, both parties shall enhance cooperation and gradually set up an information sharing system to safeguard the legitimate rights and interests of both parties.
	 	 
	VI.	If the borrowers and cooperative institutions cannot refund the loan in time when the loans are due, Party A shall bear the responsibility for bonding according to the clauses of the guaranty contract (specific responsibilities are subject to the agreement in the guaranty contract).
	 	 
	VII.	Both parties shall strictly keep business secrets known during the cooperation and must not disclose the known business secrets to other parties and enterprises.
	 	 
	VIII.	Both parties shall solve the uncovered matters through consultation according to the specific clauses of the guarantee contract of loans, relevant laws and the above principles. Any contradiction (if any) shall be subject to the specific clauses of the guarantee contract of loans.
	 	 
	IX.	The agreement shall be valid for one year. The agreement takes effect after being signed and sealed by legal representatives or authorized representatives of both parties. The agreement is in duplicate and either party holds one copy.

 

    	 	 	 

     

    

 

	 	
	

                                 

Party
A: Shandong Yin Qiao Guarantee Limited Company 

Legal representative or authorized agent 

Address:

 

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

Legal representative or authorized agent:

Address:

 

May 30, 2016Confidentiality
Agreement

 

The
confidentiality agreement (the “agreement”) is concluded by the following two parties in Changning District
of Shanghai on May 30, 2016:

 

(a)
Shandong Yin Qiao Guarantee Limited Company (“Company A”), which is a company registered and set up in __________,
and the address is _____________________________.

 

(b)
Benefactum Alliance Business Consultant (Beijing) Co., Ltd. (“Company B”), which is a company registered and set up
in __________, and the address is _____________________________.

 

Either
Company A or Company B is individually called “a party”, and both collectively called as “both parties”.

 

1.
Preface

 

Whereas,

 

Company
B has already cooperated or will cooperate with Company A and/or Company A’s associated companies. Company A must provide
Party B with financial statements and other confidential information (defined below) of Company A and/or its associated parties
from time to time according to appointments of related documents or requirements of Company B.

 

For
that reason, both parties hereby agree as follows according to the obligation for the confidential information:

 

2.
Confidential information

 

For
the purpose of the agreement, “confidential information” refers to the financial statements and other information
of Company A and/or the associated parties thereof, which may be provided to Company B by Company A from time to time based on
the related documents of Company A or the requirements of Company B, including but not limited to the financial information, price
strategies, customer lists, software, strategic business plans, market strategies, trade secrets and information combined with
formulas, processes, styles and methods, records and specification assemblies about Company A and/or the associated parties thereof
, which are owned or controlled by Company A and/or the associated parties thereof. The “associated parties” of Company
A refer to any individual or entity that directly or indirectly control Company A, is directly or indirectly controlled by Company
A or is under common control with Company A, or any entity that is managed or counseled by Company A or any above entities.

 

Whereas,

 

For
the purpose of the agreement, the following information shall not be regarded as confidential information herein: if related information,
(1) is already known by the public at the time of disclosure; (2) has already been known by the public after the disclosure (except
those disclosed by behaviors of Company B); (3) is disclosed by Company B according to the requirements of legislation, provided
that Company B reasonably sends a written notice about the information disclosed in advance; (4) is independently developed by
Company B and is not related to the confidential information (e.g. without consultation or reference to the confidential information);
or (5) is not the information legitimately provided to Company B by a third party (the third party does not assume the obligation
of confidentiality) and the disclosures do not violate the obligation of confidentiality of the agreement or others.

 

    	 	 	 

    	 	 	 

    

 

3.
Non-disclosures

 

Company
B must not disclose any confidential information to others (except for the representatives who reasonably need to know such information)
or use the information in any way before formally affirmation of substantial cooperation.

 

Company
B shall insure that the representatives of Company B who have rights to touch the confidential information based on the agreement
must not disclose any confidential information to any third party. For the purpose of the agreement, the “representatives”
mean any director, senior management, employee, legal adviser and auditor of a party.

 

On
the basis that the knowledge needed is the premise of disclosures of confidential information and the party who receives the confidential
information knows that the information is confidential and should assume the obligations of confidentiality similar with the obligations
herein, Company A agrees that Company B communicates or discloses the confidential information herein to the branches, sub-companies
and related parties of Company B; In addition, the company further agrees that Company B can communicate or disclose the confidential
information to any supplier of Company B with the written consent of Company A (The supplier shall assume the obligations of confidentiality
similar with the obligations herein of Company B).

 

4.
Return of confidential materials

 

Company
B shall do the following things under receiving the written requirements from Company A on the date of finishing of the project
plan or the date of stopping negotiation or the date of stopping participating in the project:

 

(1)
Returning and destroying all documents and other materials, including confidential information owned or controlled by Company
B or directors, managers, employees, staffs or professional advisors of Company B and can be returned or destroyed (including
copies thereof); and

 

(2)
Destroying all confidential information of Company B or confidential information stored in computers, word processors or other
similar tools. But Company B must reserve a copy of confidential information according to the rules of decrees, courts, government
agencies or the internal audit program of the company; and keep any computer records and saving file containing confidential information
stored with the automatic storages and reproducers of the company.

 

Company
B has known the obligations under the confidentiality agreements and must not discharge the obligations because of the above returning
and destruction of confidential information.

 

    	 	 	 

    	 	 	 

    

 

5.
Obligations of confidentiality

 

Company
B shall take proper measures to keep secret all the confidential information of Company A and the associated parties.

 

6.
Breach of contract

 

If
either party cannot fulfill or incompletely fulfill the obligations of confidentiality herein, the delinquent party shall assume
compensation responsibilities for the damages caused to the observant party.

 

7.
Execution and confidentiality period

 

The
agreement takes effect from the time when the legal representatives or authorized representatives of both parties sign and seal
on it. The confidentiality period is from the effective time of the agreement to the following later time:

 

	(1)	The
    close date of the cooperative transaction; or
	 	 
	(2)	Two
    years after the date when the confidentiality agreement is concluded.

 

Termination
of the agreement does not affect any right or obligation arising before termination.

 

8.
Applicable laws

 

The
agreement shall be explained and carried out according to laws of the People’s Republic of China (excluding Hong Kong, Macao
and Taiwan).

 

9.
Dispute resolution

 

Both
parties can solve disputes occurring in the process of performance through consultation. If no agreement is reached upon the consultation,
the dispute shall be prosecuted to the people’s court with jurisdiction.

 

10.
Notice

 

Any
notice and other communication shall be made in written form according to the agreement and shall be considered as being effectively
serviced under the following conditions: (a) when the notice is specially delivered to the party by a person specially assigned;
(b) after five (5) days after registered letters requiring receipts and prepaid postages or registered letters with service return
receipts are sent out; or (c) after three days after the notices are handed to the next day express recognized internationally
and the written confirmation has been received. Notices shall be sent to the following mailing addresses or fax numbers or e-mail
addresses, or to other mailing addresses or fax numbers or e-mail addresses confirmed in writing by either party.

 

(No
text below)

 

    	 	 	 

    	 	 	 

    

 

	“Company
                                         B”

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

         

        
	“Company
                                         A”

        Shandong
        Yin Qiao Guarantee Limited Company

         

        

	By:	By:
	Name:	Name:
	Title:	Title:

 

This
is the signature page without main body text.

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