Document:

Exhibit 4.21

 

Exclusive
Business Cooperation Agreement

 

This Exclusive
Business Cooperation Agreement (this “Agreement”) is made and entered into by and between the following parties
on October 4, 2018 in Beijing, the People’s Republic of China (“China” or the “PRC”).

 

		Party A:	Tianjin Kars Information Technology Co., Ltd.

 

		Address:	No.Unit2-102, building e, Haifeng Logistics Park, No. 600 Luoyang Road, Dongjiang Free Trade Port
Zone, Free Trade Pilot Zones, Tianjin

 

		Party B:	Beijing Yixin Information Technology Co., Ltd.

 

		Address:	Suite 953, 9/F, Building 3, 6 Capital Gymnasium South Road, Haidian District, Beijing

 

Each of Party A and
Party B shall be hereinafter referred to as a “Party” individually, and as the “Parties” collectively.

 

Whereas,

 

		1.	Party A is a wholly foreign owned enterprise established in China, and has the necessary resources
to provide technical and consulting services;

 

		2.	Party B is a company established in China with exclusively domestic capital and is permitted to
engage in automobile related financial services. The businesses conducted by Party B currently and any time during the term of
this Agreement are collectively referred to as the “Principal Business”;

 

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		3.	Party A is willing to provide Party B with technical support, consulting services and other services
on exclusive basis in relation to the Principal Business during the term of this Agreement, utilizing its advantages in technology,
human resources, and information, and Party B is willing to accept such services provided by Party A or Party A's designee(s),
each on the terms set forth herein.

 

Now, therefore, through
mutual discussion, the Parties have reached the following agreements:

 

		1.	Services Provided by Party A

 

		1.1	Party B hereby appoints Party A as Party B's exclusive services provider to provide Party B with
comprehensive technical support, consulting services and other services during the term of this Agreement, in accordance with the
terms and conditions of this Agreement, including but not limited to the follows:

 

		(1)	Licensing Party B to use any software legally owned by Party A;

 

		(2)	Development, maintenance and update of software involved in Party B’s business;

 

		(3)	Design, installation, daily management, maintenance and updating of network system, hardware and
database design;

 

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		(4)	Technical support and training for employees of Party B;

 

		(5)	Assisting Party B in consultancy, collection and research of technology and market information
(excluding market research business that foreign-invested enterprises are prohibited from conducting under PRC law);

 

		(6)	Providing business management consultation for Party B;

 

		(7)	Providing marketing and promotion services for Party B;

 

		(8)	Providing customer order management and customer services for Party B;

 

		(9)	Leasing, assignment or disposal of equipments or properties; and

 

		(10)	Other services requested by Party B from time to time to the extent permitted under PRC law.

 

		1.2	Party B agrees to accept all the services provided by Party A. Party B further agrees that unless
with Party A’s prior written consent, during the term of this Agreement, Party B shall not directly or indirectly accept
the same or any similar services provided by any third party and shall not establish similar corporation relationship with any
third party regarding the matters contemplated by this Agreement. Party A may appoint other parties, who may enter into certain
agreements described in Section 1.3 with Party B, to provide Party B with the services under this Agreement.

 

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		1.3	Service Providing Methodology

 

		1.3.1	Party A and Party B agree that during the term of this Agreement, where necessary, Party B may
enter into further service agreements with Party A or any other party designated by Party A, which shall provide the specific contents,
manner, personnel, and fees for the specific services.

 

		1.3.2	To fulfill this Agreement, Party A and Party B agree that during the term of this Agreement, where
necessary, Party B may enter into equipment or property leases with Party A or any other party designated by Party A which shall
permit Party B to use Party A's relevant equipment or property based on the needs of the business of Party B.

 

		1.3.3	Party B hereby grants to Party A an irrevocable and exclusive option to purchase from Party B,
at Party A’s sole discretion, any or all of the assets and business of Party B, to the extent permitted under PRC law, at
the lowest purchase price permitted by PRC law. The Parties shall then enter into a separate assets or business transfer agreement,
specifying the terms and conditions of the transfer of the assets. To the extent permitted under applicable PRC laws, Party B shall
donate the balance of the purchase price received from Party A, after deducting/ withholding the relevant taxes (if any) pursuant
to applicable laws, to Party A or the designee(s) of Party A for free within ten (10) days after Party B receives the purchase
price and pays/ withholds the relevant taxes (if any).

 

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		1.4	To ensure that Party B meets the requirement of cash flow in daily operation and/or to offset any
losses incurred in the process of its operation, whether or not Party B actually suffers any such operational losses, Party A is
under the obligation to provide Party B with financial support (only to the extent and in a manner permitted by PRC laws). Party
A may provide Party B with financial support by way of bank entrusted loans or loans, and enter into separate agreements where
necessary.

 

		1.5	Party A shall have the right to examine the accounts of Party B periodically and from time to time.
Party B shall keep its accounts accurately in due course, and provide them to Party B upon its request. To the extent permitted
by applicable laws, Party B agrees to cooperate Party A and Party A’s (direct and indirect) shareholder(s) to conduct audit
(including auditing the related party transactions and other audit), deliver the information and materials in relation to the operations,
business, clients, finance, staff and others of Party B and Party B’s subsidiaries to Party A, its shareholder(s) and/or
auditors, and allow Party A’s shareholder(s) to disclose such information and materials to comply with the regulatory requirements
for public listing of Party A’s shareholder(s). The Parties agree that, within the term of this Agreement, Party A is entitled
to consolidate the financial results of Party A as a wholly owned affiliate of Party B in accordance with the applicable accounting
principles. However, Party A shall not be held legally responsible for Party B’s debt or other obligations and risks.

 

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		1.6	Party A has the right to conduct business activities related to provision of services on behalf
of Party B, and Party B shall offer all necessary support and convenience for Party A to conduct such business activities smoothly,
including without limitation, issuing power of attorney to Party A necessary for the provision of services.

 

		1.7	Upon the request of Party A, Party B shall deliver the licenses and company seals related to Party
B’ daily operation, including the business license, common seal, contract seal, financial seal and the chop of legal representative,
to the financial department of Party A for custody. Party B covenants that it will use such licenses and company seals only when
obtaining Party A’s consent and complying with Party A’s internal authorized guidance.

 

		1.8	The Parties agree that the services provided to Party B by Party A are also applicable to the subsidiaries
controlled by Party B, and Party B shall procure the subsidiaries controlled by it to exercise the rights and perform the obligations
in accordance with this Agreement.

 

		2.	The Calculation and Payment of the Service Fees

 

		2.1	The fees payable by Party B to Party A during the term of this Agreement shall be calculated as
follows:

 

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		2.1.1	Party B shall pay service fee to Party A in each year. The service fee for each year shall consist of management fee and fee
for services provided, the amount and payment deadline of which shall be determined by the Parties in writing through negotiation
after considering; if the Parties fail to agree upon the amount of service fee, Party A’s decision shall be final and conclusive:

 

		(1)	Complexity and difficulty of the services provided by Party A;

 

		(2)	Title of and time consumed by employees of Party A providing the services;

 

		(3)	Contents and value of the services provided by Party A;

 

		(4)	Market price of the same type of services;

 

		(5)	Operation conditions of the Party B;

 

		(6)	Essential cost, expenses, taxes and statutory reserve or retaining funds.

 

		2.1.2	If Party A transfers technology to Party B or develops software or other technology as entrusted by Party B or leases equipments
or properties to Party B, the technology transfer price, development fees or rent shall be determined by the Parties based on the
actual situations.

 

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		2.1.3	Except the service fees, Party B shall reimburse all reasonable costs, reimbursed payments and out-of-pocket expenses, paid
or incurred by Party A in connection with the conduct of its performance and provision of services.

 

		2.1.4	Each Party shall bear the taxes related to its execution and performance of this Agreement. Upon the request of Party A, Party
B shall endeavor to assist Party A to enjoy the exemption of value added taxes for all or party of the service fee revenue.

 

		3.	Intellectual Property Rights and Confidentiality Clauses

 

		3.1	Party A shall have exclusive and proprietary ownership, rights and interests in any and all intellectual
properties arising out of or created during the performance of this Agreement, including but not limited to copyrights, patents,
patent applications, software, technical secrets, trade secrets and others, and shall be entitled to make use of such rights for
free.

 

		3.2	To fulfill Party B’s business needs, Party A agrees that part of intellectual properties
designated by Party A may be registered by Party B under the name of Party B. However, upon request of Party A, Party B shall transfer
the aforementioned intellectual properties registered under the name of Party B to Party A for free or at the lowest price permitted
by the law, and Party B shall execute all appropriate documents, take all appropriate actions, submit all filings and/or applications,
render all appropriate assistance and otherwise conduct whatever is necessary as deemed by Party A at its sole discretion for the
purposes of vesting any ownership, right or interest of any such intellectual property rights in Party A, and/or perfecting the
protections for any such intellectual property rights in Party A. Party A is entitled to make use of any intellectual properties
registered under the name of Party B for free.

 

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		3.3	The Parties acknowledge that the existence and the terms of this Agreement and any oral or written
information exchanged between the Parties in connection with the preparation and performance of this Agreement are regarded as
confidential information. Each Party shall maintain confidentiality of all such confidential information, and without obtaining
the written consent of the other Party, it shall not disclose any relevant confidential information to any third party, except
for the information that: (a) is or will be in the public domain (other than through the receiving Party’s unauthorized disclosure);
(b) is under the obligation to be disclosed pursuant to the applicable laws or regulations, rules of any stock exchange, or orders
of the court or other government authorities; or (c) is required to be disclosed by any Party to its shareholders, directors, employees,
legal counsels or financial advisors regarding the transaction contemplated hereunder, provided that such shareholders, directors,
employees, legal counsels or financial advisors shall be bound by the confidentiality obligations similar to those set forth in
this Section. Disclosure of any confidential information by the shareholders, director, employees of or agencies engaged by any
Party shall be deemed disclosure of such confidential information by such Party and such Party shall be held liable for breach
of this Agreement.

 

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		4.	Representations, Warranties and Covenants

 

		4.1	Party A hereby represents, warrants and covenants as follows:

 

		4.1.1	Party A is a limited liability company legally established and validly existing in accordance with
PRC laws; Party A or the service providers designated by Party A will obtain all government permits and licenses for providing
the service under this Agreement before providing such services.

 

		4.1.2	Party A has taken all necessary corporate actions, obtained all necessary authorizations as well
as all consents and approvals from third parties and government authorities (if required) for the execution, delivery and performance
of this Agreement. Party A’s execution, delivery and performance of this Agreement do not violate any explicit requirements
under any law or regulation.

 

		4.1.3	This Agreement constitutes Party A’s legal, valid and binding obligations, enforceable against
it in accordance with its terms.

 

		4.2	Party B hereby represents, warrants and covenants as follows:

 

		4.2.1	Party B is a company legally established and validly existing in accordance with PRC laws and has
obtained and will maintain all permits and licenses for engaging in the Principal Business in a timely manner.

 

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		4.2.2	Party B has taken all necessary corporate actions, obtained all necessary authorizations as well
as all consents and approvals from third parties and government authorities (if required) for the execution, delivery and performance
of this Agreement. Party B’s execution, delivery and performance of this Agreement do not violate any explicit requirements
under any law or regulation.

 

		4.2.3	This Agreement constitutes Party B’s legal, valid and binding obligations, and shall be enforceable
against it in accordance with its terms.

 

		4.2.4	There are no pending or, to the knowledge of Party B, threatened litigation, arbitration or other
judicial or administrative proceedings that would affect Party B’s performance of its obligations under this Agreement.

 

		4.2.5	Party B shall pay the full amount of the service fees to Party A timely in accordance with this
Agreement.

 

		5.	Effectiveness and Term of Agreement

 

		5.1	This Agreement shall become effective upon execution by the Parties. Unless terminated in accordance
with the provisions of this Agreement or terminated in writing by Party A, this Agreement shall remain effective.

 

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		5.2	During the term of this Agreement, each Party shall renew its operation term prior to the expiration
thereof and exercise best endeavors to obtain the approval of relevant competent authorities so as to enable this Agreement to
remain effective. This Agreement shall be terminated upon the expiration of the operation term of a Party if the application for
renewal of its operation term is not approved or consented by relevant government authorities.

 

		5.3	The rights and obligations of the Parties under Sections 3, 6, 7 and this Section 5.3 shall survive
the termination of this Agreement.

 

		6.	Governing Law and Resolution of Disputes

 

		6.1	The execution, effectiveness, construction, performance, amendment and termination of this Agreement
and the resolution of disputes hereunder shall be governed by the laws of the PRC.

 

		6.2	In the event of any dispute with respect to the construction and performance of this Agreement,
the Parties shall first resolve the dispute through friendly negotiations. In the event the Parties fail to reach an agreement
on the dispute through negotiations, either Party may submit the relevant dispute to the China International Economic and Trade
Arbitration Commission for arbitration, in accordance with its arbitration rules and procedures in effect at the time. The arbitration
shall be conducted in Beijing. The arbitration award shall be final and binding on both Parties.

 

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		6.3	To the extent permitted by PRC laws and where appropriate, the arbitration tribunal may grant any
remedies in accordance with the provisions of this Agreement and applicable PRC laws, including preliminary and permanent injunctive
relief (such as injunction against carrying out business activities, or mandating the transfer of assets), specific performance
of contractual obligations, remedies concerning the equity interest or assets of Party B and awards directing Party B to conduct
liquidation. To the extent permitted by PRC laws, when awaiting the formation of the arbitration tribunal or otherwise under appropriate
conditions, either Party may seek preliminary injunctive relief or other interlocutory remedies from a court with competent jurisdiction
to facilitate the arbitration. Without violating the applicable governing laws, the Parties agree that the courts of Hong Kong,
Cayman Islands, China and the place where the principal assets of Party B are located shall all be deemed to have competent jurisdiction.

 

		6.4	Upon the occurrence of any disputes arising from the construction and performance of this Agreement
or during the pending arbitration of any dispute, except for the matters under dispute, the Parties shall continue to exercise
their respective rights under this Agreement and perform their respective obligations under this Agreement.

 

		7.	Breach of Agreement and Indemnification

 

		7.1	If Party B conducts any material breach of any term of this Agreement, Party A shall have right
to terminate this Agreement and/or require Party B to indemnify all damages; this Section 7.1 shall not prejudice any other rights
of Party A herein.

 

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		7.2	Unless otherwise required by applicable laws, Party B shall not have any right to terminate this
Agreement unilaterally in any event.

 

		7.3	Party B shall indemnify and hold Party A harmless from any losses, damages, obligations or expenses
caused by any lawsuit, claims or other demands against Party A arising from or caused by the services provided by Party A to Party
B pursuant this Agreement, except where such losses, damages, obligations or expenses arise from the gross negligence or willful
misconduct of Party A.

 

		8.	Force Majeure

 

		8.1	In the case of any force majeure events (“Force Majeure”) such as earthquake, typhoon,
flood, fire, flu, war, strikes or any other events that cannot be predicted and are unpreventable and unavoidable by the affected
Party, which directly or indirectly causes the failure of either Party to perform or completely perform this Agreement, then the
Party affected by such Force Majeure shall give the other Party written notices without any delay, and shall provide details of
such event within 15 days after sending out such notice, explaining the reasons for such failure of, partial or delay of performance.

 

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		8.2	If such Party claiming Force Majeure fails to notify the other Party and furnish it with proof
pursuant to the above provision, such Party shall not be excused from the non-performance of its obligations hereunder. The Party
so affected by the event of Force Majeure shall use reasonable efforts to minimize the consequences of such Force Majeure and to
promptly resume performance hereunder whenever the causes of such excuse are cured. Should the Party so affected by the event of
Force Majeure fail to resume performance hereunder when the causes of such excuse are cured, such Party shall be liable to the
other Party.

 

		8.3	In the event of Force Majeure, the Parties shall immediately consult with each other to find an
equitable solution and shall use all reasonable endeavours to minimize the consequences of such Force Majeure.

 

		9.	Notices

 

		9.1	All notices and other communications required or permitted to be given pursuant to this Agreement
shall be delivered personally or sent by registered mail, postage prepaid, by a commercial courier service or by facsimile transmission
to the address of such Party set forth below. A confirmation copy of each notice shall also be sent by email. The dates on which
notices shall be deemed to have been effectively given shall be determined as follows:

 

		9.1.1	Notices given by personal delivery, by courier service or by registered mail, postage prepaid,
shall be deemed effectively given on the date of receipt or refusal at the address specified for notices.

 

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		9.1.2	Notices given by facsimile transmission shall be deemed effectively given on the date of successful
transmission (as evidenced by an automatically generated confirmation of transmission).

 

		9.2	For the purpose of notices, the addresses of the Parties are as follows:

 

		Party A:	Tianjin Kars Information Technology Co., Ltd.

 

		Address:	12/F, No.3 building, No.799 YangGao SouthRoad,

                                                                       Pudong Distriet, Shanghai

 

		Attn:	Legal Department

 

		Phone:	021 6028 8888

 

		Party B:	Beijing Yixin Information Technology Co., Ltd.

 

		Address:	5/F, Main building of Tengda building,

                                                                                No.168,  Xizhimenwai Street, Haidian District, Beijing

 

		Attn:	Legal Department

 

		Phone:	010 6849 2345

 

		9.3	Any Party may at any time change its address for notices by a notice delivered to the other Party
in accordance with the terms hereof.

 

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		10.	Assignment

 

		10.1	Without Party A’s prior written consent, Party B shall not assign its rights and obligations
under this Agreement to any third party.

 

		10.2	Party B agrees that Party A may assign its obligations and rights under this Agreement to any third
party and in case of such assignment, Party A is only required to give written notice to Party B and does not need any consent
from Party B for such assignment.

 

		11.	Severability

 

In the event
that one or several of the provisions of this Agreement are found to be invalid, illegal or unenforceable in any aspect in accordance
with any laws or regulations, the validity, legality or enforceability of the remaining provisions of this Agreement shall not
be affected or compromised in any aspect. The Parties shall negotiate in good faith to replace such invalid, illegal or unenforceable
provisions with effective provisions that accomplish to the greatest extent permitted by law and the intentions of the Parties,
and the economic effect of such effective provisions shall be as close as possible to the economic effect of those invalid, illegal
or unenforceable provisions.

 

		12.	Amendments and Supplements

 

Any amendments
and supplements to this Agreement shall be in writing. The amendment agreements and supplementary agreements that have been signed
by the Parties and relate to this Agreement shall be an integral part of this Agreement and shall have the same legal validity
as this Agreement.

 

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		13.	Entire Agreement

 

Except for
the amendments, supplements or changes in writing executed after the execution of this Agreement, this Agreement shall constitute
the entire agreement reached by and among the Parties hereto with respect to the subject matter hereof, and shall supersede all
prior oral and written consultations, representations and contracts reached with respect to the subject matter of this Agreement.

 

		14.	Waivers

 

Any Party may
waive the terms and conditions of this Agreement, provided that such a waiver must be provided in writing and shall require the
signatures of the Parties. No waiver by any Party in certain circumstances with respect to a breach by other Parties shall operate
as a waiver by such a Party with respect to any similar breach in other circumstances.

 

		15.	Language and Counterparts

 

This Agreement
is written in both Chinese and English language in two copies, each Party having one copy. In case there is any conflict between
the Chinese version and the English version, the Chinese version shall prevail.

 

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IN WITNESS WHEREOF, the Parties have caused
their authorized representatives to execute this Exclusive Business Cooperation Agreement as of the date first above written.

 

		Party A:	Tianjin Kars Information Technology Co., Ltd. (Seal)

 

	By:	/s/ Liang Zhu	 
	Name:	Liang Zhu
	Title: 	Legal Representative

 

		Party B:	Beijing Yixin Information Technology Co., Ltd. (Seal)

 

	By:	/s/ Yongzhi Chen	 
	Name:	Yongzhi Chen
	Title: 	Legal RepresentativeExhibit 4.22

 

Exclusive
Option Agreement

 

This Exclusive Option
Agreement (this “Agreement”) is executed by and among the following Parties as of October 4, 2018 in Beijing,
the People’s Republic of China (“China” or the “PRC”):

 

		Party A:	Tianjin Kars Information Technology Co., Ltd., a
limited liability company, organized and existing under the laws of the PRC, with its address at No.Unit2-102, e building, Haifeng
Logistics Park, No. 600 Luoyang Road, Dongjiang Free Trade Port Zone, Free Trade Pilot Zones, Tianjin;

 

		Party B:	Beijing Jiasheng Investment Management Co., Ltd.,
a limited liability company organized and existing under the laws of the PRC, with its address at Floor 20, Block A, Building
1, No.19 Ronghua Mid Road, Economic Technological Development Area, Beijing; and

 

		Party C:	Beijing Yixin Information Technology Co., Ltd.,
a limited liability company organized and existing under the laws of the PRC, with its address at Suite 953, 9/F, Building 3,
6 Capital Gymnasium South Road, Haidian District, Beijing.

 

In this Agreement, each
of Party A, Party B and Party C shall be hereinafter referred to as a “Party” individually, and as the “Parties”
collectively.

 

Whereas:

 

		1.	Party B is a shareholder of Party C and as of the date hereof holds 17.7% of equity interests of
Party C, representing RMB 8,850,000 in the registered capital of Party C.

  

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		2.	Party B agrees to grant Party A an exclusive option through this Agreement, and Party A agrees
to accept such exclusive option to be used for the purpose of purchasing all or part of equity interest of Party C held by Party
B.

 

Now therefore, upon mutual
discussion and negotiation, the Parties have reached the following agreement:

 

		1.	Sale and Purchase of Equity Interest

 

		1.1	Option Granted

 

Party B hereby
exclusively, irrevocably and unconditionally grants Party A an irrevocable and exclusive right to purchase, or designate one or
more persons (each, a “Designee”) to purchase the equity interests in Party C then held by Party B once or at multiple
times at any time in part or in whole at Party A’s sole and absolute discretion to the extent permitted by Chinese laws and
at the price described in Section 1.3 herein (such right being the “Equity Interest Purchase Option”). Except for Party
A and the Designee(s), no other person shall be entitled to the Equity Interest Purchase Option or other rights with respect to
the equity interests of Party B. Party C hereby agrees to the grant by Party B of the Equity Interest Purchase Option to Party
A. The term “person” as used herein shall refer to individuals, corporations, partnerships, partners, enterprises,
trusts or non-corporate organizations.

 

 

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		1.2	Steps for Exercise of Equity Interest Purchase Option

 

Subject to the
provisions of the laws and regulations of China, Party A may exercise the Equity Interest Purchase Option by issuing a written
notice to Party B (the “Equity Interest Purchase Option Notice”), specifying: (a) Party A’s decision to exercise
the Equity Interest Purchase Option, and the name of the Designee(s) if any; (b) the portion of equity interests to be purchased
by Party A or the Designee from Party B (the “Optioned Interests”); and (c) the date for purchasing the Optioned Interests
or the date for transfer of the Optioned Interests.

 

		1.3	Equity Interest Purchase Price

 

The total purchase
price for the purchase by Party A of all Optioned Interests held by Party B upon exercise of the Equity Interest Purchase Option
by Party A shall be RMB 8,850,000; if Party A exercises the Equity Interest Purchase Option to purchase part of the Optioned Interests
held by Party B in Party C, then the purchase price shall be calculated on a pro rata basis.  If appraisal is required by
the laws of China at the time when Party A exercises the Equity Interest Purchase Option, the Parties shall negotiate in good faith
and based on the appraisal result make necessary adjustment to the Equity Interest Purchase Price so that it complies with any
and all then applicable laws of China (collectively, the “Equity Interest Purchase Price”). Party B shall donate the
balance of the Equity Interest Purchase Price received from Party A, after deducting/ withholding the relevant taxes (if any) pursuant
to applicable laws of China, to Party A or the Designee(s) of Party A for free within ten (10) days after Party B receives the
Equity Interest Purchase Price and pays/ withholds the relevant taxes (if any).

 

		1.4	Transfer of Optioned Interests

 

For each exercise
of the Equity Interest Purchase Option:

 

		1.4.1	Party B shall cause Party C to promptly convene a shareholders’ meeting, at which a resolution
shall be adopted approving Party B’s transfer of the Optioned Interests to Party A and/or the Designee(s);

 

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		1.4.2	Party B shall obtain written statements from the other shareholders of Party C giving consent to
the transfer of the Optioned Interests to Party A and/or the Designee(s) and waiving any right of first refusal with respect thereto;

 

		1.4.3	Within thirty (30) days after receipt of the Equity Interest Purchase Option Notice by Party B
from Party A and/or any Designee (whichever is applicable), Party B and Party A and/or such Designee (whichever is applicable)
shall complete all procedures for Party A’s and/or such Designee’s (whichever is applicable) acquisition of such Optioned
Interests and for Party A and/or such Designee (whichever is applicable) becoming a shareholder of Party C, including without limitation
execution of an equity interest transfer contract and any other necessary documents or agreements, adoption of any necessary resolutions,
issuance of any necessary documents by Party C and performance of all relevant procedures;

 

		1.4.4	The relevant Parties shall execute all other necessary contracts, agreements or documents, obtain
all necessary government licenses and permits and take all necessary actions to transfer valid ownership of the Optioned Interests
to Party A and/or the Designee(s), unencumbered by any security interests, and cause Party A and/or the Designee(s) to become the
registered owner(s) of the Optioned Interests. For the purpose of this Section and this Agreement, “security interests”
shall include securities, mortgages, third party’s rights or interests, any stock options, acquisition right, right of first
refusal, right to offset, ownership retention or other security arrangements, but shall be deemed to exclude any security interest
created by this Agreement, Party B’s Equity Interest Pledge Agreement and Party B’s Power of Attorney. “Party
B’s Equity Interest Pledge Agreement” as used in this Agreement shall refer to the Equity Interest Pledge Agreement
executed by and among Party A, Party B and Party C on the date hereof and any modification, amendment and restatement thereto.
“Party B’s Power of Attorney” as used in this Agreement shall refer to the Power of Attorney executed by Party
B on the date hereof granting Party A with power of attorney and any modification, amendment and restatement thereto.

 

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		2.	Covenants

 

		2.1	Covenants regarding Party C

 

Party B (as a
shareholder of Party C) and Party C hereby covenant as follows:

 

		2.1.1	Without the prior written consent of Party A, they shall not in any manner supplement, change or
amend the articles of association of Party C, increase or decrease its registered capital, or change its structure of registered
capital in other manners;

 

		2.1.2	They shall maintain Party C’s corporate existence in accordance with good financial and business
standards and practices, obtain and maintain all necessary government licenses and permits by prudently and effectively operating
its business and handling its affairs;

 

		2.1.3	Without the prior written consent of Party A, Party C shall not, and shall procure its subsidiaries
not to sell, transfer, mortgage or dispose of in any manner any assets (except for the assets of less than RMB200,000 needed in
the ordinary course of business), business, operation rights, legitimate interest in the income of Party C;

 

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		2.1.4	Without the prior written consent of Party A, they shall not incur, inherit, guarantee or suffer
the existence of any debt, except for payables incurred in the ordinary course of business other than through loans;

 

		2.1.5	They shall always operate all of Party C’s businesses in the ordinary course of business
to maintain the asset value of Party C and refrain from any action/omission that may adversely affect Party C’s operating
status and asset value;

 

		2.1.6	Without the prior written consent of Party A, they shall not cause Party C to execute any major
contract, except the contracts in the ordinary course of business (for purpose of this subsection, a contract with a price exceeding
RMB50,000 shall be deemed a major contract);

 

		2.1.7	Without the prior written consent of Party A, they shall not cause Party C to provide any person
with any loan or credit, or provide securities or guarantee for indebtedness of any third party;

 

		2.1.8	They shall provide Party A with information on Party C’s business operations and financial
condition at Party A’s request;

 

		2.1.9	If requested by Party A, they shall procure and maintain insurance in respect of Party C's assets
and business from an insurance carrier acceptable to Party A, at an amount and type of coverage typical for companies that operate
similar businesses;

 

    6

     

    

 

		2.1.10	Without the prior written consent of Party A, they shall not cause or permit Party C to merge,
consolidate with, acquire or invest in any person;

 

		2.1.11	They shall immediately notify Party A of the occurrence or possible occurrence of any litigation,
arbitration or administrative proceedings relating to Party C’s assets, business or revenue;

 

		2.1.12	To maintain the ownership by Party C of all of its assets, they shall execute all necessary or
appropriate documents, take all necessary or appropriate actions, file all necessary or appropriate complaints, and raise necessary
or appropriate defenses against all claims;

 

		2.1.13	Without the prior written consent of Party A, they shall ensure that Party C shall not in any manner
distribute dividends to its shareholders, provided that upon Party A’s written request, Party C shall immediately distribute
all distributable profits to its shareholders;

 

		2.1.14	At the request of Party A, they shall appoint any person designated by Party A as the director,
supervisor and senior management of Party C, and/or remove any incumbent director, supervisor and senior management of Party C,
and perform all relevant resolutions and filing procedures; Party A has the right to demand Party B and Party C to make such replacement.

 

		2.1.15	Without Party A’s prior written consent, Party C shall not engage in any business in competition
with Party A or its affiliates;

 

		2.1.16	Unless otherwise required by PRC law, Party C shall not be dissolved or liquated without prior
written consent by Party A;

 

    7

     

    

 

		2.1.17	In the event that any shareholder of Party C or Party C fails to comply with its tax obligations
under the applicable laws that hinders the exercise of the Equity Interest Purchase Option by Party A, Party A is entitled to demand
Party C or its shareholders to comply with the tax obligations; and

 

		2.1.18	Party B and Party C shall procure the subsidiaries of Party C to comply with the covenants applicable
to Party C as prescribed in this Section 2.1 where applicable, as such subsidiaries are the Party C under the relevant provisions.

 

		2.2	Covenants of Party B

 

Party B hereby covenants
as follows:

 

		2.2.1	Without the prior written consent of Party A, Party B shall not sell, transfer, mortgage or dispose
of in any other manner any legal or beneficial interest in the equity interests in Party C held by Party B, or allow the encumbrance
thereon, except for the interest placed in accordance with this Agreement, Party B’s Equity Interest Pledge Agreement and
Party B’s Power of Attorney;

 

		2.2.2	Without the prior written consent of Party A, Party B shall cause the shareholders’ meeting
and/or the directors (or the executive director) of Party C not to approve any sale, transfer, mortgage or disposition in any other
manner of any legal or beneficial interest in the equity interests in Party C held by Party B, or allow the encumbrance thereon
of any security interest, except for the interest placed in accordance with this Agreement, Party B’s Equity Interest Pledge
Agreement and Party B’s Power of Attorney;

 

    8

     

    

 

		2.2.3	Without the prior written consent of Party A, Party B shall cause the shareholders’ meeting
or the directors (or the executive director) of Party C not to approve the merger or consolidation with any person, or the acquisition
of or investment in any person;

 

		2.2.4	Party B shall immediately notify Party A of the occurrence or possible occurrence of any litigation,
arbitration or administrative proceedings relating to the equity interests in Party C held by Party B;

 

		2.2.5	Party B shall cause the shareholders’ meeting or the directors (or the executive director)
of Party C to vote in favor of the transfer of the Optioned Interests as set forth in this Agreement and to take any and all other
actions that may be requested by Party A;

 

		2.2.6	To the extent necessary to maintain Party B’s ownership in Party C, Party B shall execute
all necessary or appropriate documents, take all necessary or appropriate actions, file all necessary or appropriate complaints,
and raise necessary or appropriate defenses against all claims;

 

		2.2.7	Party B shall appoint any designee of Party A as the director and senior management of Party C,
at the request of Party A;

 

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		2.2.8	Party B gives consent to execution by each other shareholder of Party C with Party A and Party
C the exclusive option agreement, the equity interest pledge agreement and the power of attorney similar to this Agreement, Party
B’s Equity Interest Pledge Agreement and Party B’s Power of Attorney and undertakes not to take any action in conflict
with such documents executed by the other shareholders; with respect to the transfer of equity interest of Party C by any of the
other shareholders of Party C to Party A and/or the Designee(s) pursuant to such shareholder’s exclusive option agreement,
Party B hereby waives all of its right of first refusal (if any).

 

		2.2.9	Party B shall promptly donate any profit, interest, dividend or proceeds of liquidation to Party
A or any other person designated by Party A to the extent permitted under applicable PRC laws; and

 

		2.2.10	Party B shall strictly abide by the provisions of this Agreement and other contracts jointly or
separately executed by and among Party B, Party C and Party A, perform the obligations hereunder and thereunder, and refrain from
any action/omission that may affect the effectiveness and enforceability thereof. To the extent that Party B has any remaining
rights with respect to the equity interests subject to this Agreement hereunder or under the Party B’s Equity Interest Pledge
Agreement or under the Party B’s Power of Attorney, Party B shall not exercise such rights except in accordance with the
written instructions of Party A.

 

		3.	Representations and Warranties

 

Party B and
Party C hereby represent and warrant to Party A severally, as of the date of this Agreement and each date of transfer of the Optioned
Interests, that (whereas, Party B only make representations and warranties with respect to the following matters provided under
Sections 3.1, 3.2, 3.3 and 3.4 that apply to Party B):

 

    10

     

    

 

		3.1	They have the power, capacity and authority to execute and deliver this Agreement and any equity
interest transfer contracts to which they are parties concerning the Optioned Interests to be transferred thereunder (each, a “Transfer
Contract”), and to perform their obligations under this Agreement and any Transfer Contracts. Party B and Party C agree to
enter into Transfer Contracts substantially consistent with the terms of this Agreement upon Party A’s exercise of the Equity
Interest Purchase Option. This Agreement and the Transfer Contracts to which they are parties constitute or will constitute their
legal, valid and binding obligations and shall be enforceable against them in accordance with the provisions thereof;

 

		3.2	Party B and Party C have obtained any and all approvals and consents from government authorities
and third parties (if required) for execution, delivery and performance of this Agreement.

 

		3.3	The execution and delivery of this Agreement or any Transfer Contracts and the obligations under
this Agreement or any Transfer Contracts shall not: (i) cause any violation of any applicable laws of China; (ii) be inconsistent
with the articles of association, bylaws or other organizational documents of Party C; (iii) cause the violation of any contracts
or instruments to which they are a party or which are binding on them, or constitute any breach under any contracts or instruments
to which they are a party or which are binding on them; (iv) cause any violation of any condition for the grant and/or continued
effectiveness of any licenses or permits issued to either of them; or (v) cause the suspension or revocation of or imposition of
additional conditions to any licenses or permits issued to either of them;

 

		3.4	Party B has a good and merchantable title to the equity interests held by Party B in Party C. Except
for Party B’s Equity Interest Pledge Agreement and Party B’s Power of Attorney, Party B has not placed any security
interest on such equity interests;

 

    11

     

    

 

		3.5	Party C is a limited liability company duly organized and validly existing under the laws of the
PRC. Party C has a good and merchantable title to all of its assets, and has not placed any security interest on the aforementioned
assets;

 

		3.6	Party C does not have any outstanding debts, except for (i) debt incurred in the ordinary course
of business; and (ii) debts disclosed to Party A for which Party A’s written consent has been obtained.

 

		3.7	Party C has complied with all PRC laws and regulations in material aspects;

 

		3.8	There are no pending or threatened litigation, arbitration or administrative proceedings relating
to the equity interests in Party C, assets of Party C or Party C.

 

		4.	Effective Date and Term

 

		4.1	This Agreement shall become effective upon execution by the Parties, and remain effective until
all equity interests held by Party B in Party C have been transferred or assigned to Party A and/or any other person designated
by Party A in accordance with this Agreement.

 

		4.2	Within the term of this Agreement, Party A may at its sole discretion decide to unconditionally
terminate this Agreement by issuing a written notice to Party B in advance and bears no liability. Unless otherwise provided for
by any mandatory provision of PRC laws, neither Party B nor Party C is entitled to terminate this Agreement unilaterally.

 

    12

     

    

 

		5.	Governing Law and Resolution of Disputes

 

		5.1	Governing Law

 

The execution,
effectiveness, construction, performance, amendment and termination of this Agreement and the resolution of disputes hereunder
shall be governed by the laws of the PRC.

 

		5.2	Methods of Resolution of Disputes

 

In the event
of any dispute with respect to the construction and performance of this Agreement, the Parties shall first resolve the dispute
through friendly negotiations. In the event the Parties fail to reach an agreement on the dispute through negotiations, either
Party may submit the relevant dispute to the China International Economic and Trade Arbitration Commission for arbitration, in
accordance with its arbitration rules and procedures in effect at the time. The arbitration shall be conducted in Beijing. The
arbitration award shall be final and binding on all Parties.

 

		5.3	To the extent permitted by PRC laws and where appropriate, the arbitration tribunal may grant any
remedies in accordance with the provisions of this Agreement and applicable PRC laws, including preliminary and permanent injunctive
relief (such as injunction against carrying out business activities, or mandating the transfer of assets), specific performance
of contractual obligations, remedies concerning the equity interest or assets of Party C and awards directing Party C to conduct
liquidation. To the extent permitted by PRC laws, when awaiting the formation of the arbitration tribunal or otherwise under appropriate
conditions, either Party may seek preliminary injunctive relief or other interlocutory remedies from a court with competent jurisdiction
to facilitate the arbitration. Without violating the applicable governing laws, the Parties agree that the courts of Hong Kong,
Cayman Islands, China and the place where the principal assets of Party C are located shall all be deemed to have competent jurisdiction.

 

    13

     

    

 

		5.4	Upon the occurrence of any disputes arising from the construction
and performance of this Agreement or during the pending arbitration of any dispute, except for the matters under dispute, the Parties
shall continue to exercise their respective rights under this Agreement and perform their respective obligations under this Agreement.

 

		6.	Taxes and Fees

 

Unless as otherwise
agreed in this Agreement, each Party shall pay any and all transfer and registration tax, expenses and fees incurred thereby or
levied thereon in accordance with the laws of China in connection with the preparation and execution of this Agreement and the
Transfer Contracts, as well as the consummation of the transactions contemplated under this Agreement and the Transfer Contracts.

 

		7.	Notices

 

		7.1	All notices and other communications required or permitted to be given pursuant to this Agreement
shall be delivered personally or sent by registered mail, postage prepaid, by a commercial courier service or by facsimile transmission
to the address of such Party set forth below. A confirmation copy of each notice shall also be sent by email. The dates on which
notices shall be deemed to have been effectively given shall be determined as follows:

 

		7.1.1	Notices given by personal delivery, by courier service or by registered mail, postage prepaid,
shall be deemed effectively given on the date of receipt or refusal at the address specified for notices;

 

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		7.1.2	Notices given by facsimile transmission shall be deemed effectively given on the date of successful
transmission (as evidenced by an automatically generated confirmation of transmission).

 

		7.2	For the purpose of notices, the addresses of the Parties are as follows:

 

		Party A:	Tianjin Kars Information Technology Co., Ltd.

		Address:	12/F, No.3 building, No.799 YangGao SouthRoad,

Pudong District, Shanghai

		Attn:	Legal Department

		Phone:	021 6028 8888

 

		Party B:	Beijing Jiasheng Investment Management Co., Ltd.

		Address:	21th Floor, Building A, No. 18 Kechuang 11th Street, 

Yizhuang Economic and Technological Zone, Daxing District, 

Beijing

		Attn:	Legal Department

		Email:	legalnotice@jd.com

 

		Party C:	Beijing Yixin Information Technology Co., Ltd.

		Address:	5/F, Main building of Tengda building,

No.168,  Xizhimenwai Street, Haidian District, Beijing

		Attn:	Legal Department

		Phone:	010 6849 2345

 

		7.3	Any Party may at any time change its address for notices by a notice delivered to the other Parties
in accordance with the terms hereof.

 

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		8.	Confidentiality

 

The Parties
acknowledge that the existence and the terms of this Agreement, and any oral or written information exchanged between the Parties
in connection with the preparation and performance of this Agreement are regarded as confidential information. Each Party shall
maintain confidentiality of all such confidential information, and without obtaining the written consent of other Parties, it shall
not disclose any relevant confidential information to any third parties, except for the information that: (a) is or will be in
the public domain (other than through the receiving Party’s unauthorized disclosure); (b) is under the obligation to be disclosed
pursuant to the applicable laws or regulations, rules of any stock exchange, or orders of the court or other government authorities;
or (c) is required to be disclosed by any Party to its shareholders, directors, employees, legal counsels or financial advisors
regarding the transaction contemplated hereunder, provided that such shareholders, directors, employees, legal counsels or financial
advisors shall be bound by the confidentiality obligations similar to those set forth in this Section. Disclosure of any confidential
information by the shareholders, director, employees of or agencies engaged by any Party shall be deemed disclosure of such confidential
information by such Party and such Party shall be held liable for breach of this Agreement.

 

		9.	Further Warranties

 

The Parties
agree to promptly execute documents that are reasonably required for or are conducive to the implementation of the provisions and
purposes of this Agreement and take further actions that are reasonably required for or are conducive to the implementation of
the provisions and purposes of this Agreement.

 

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		10.	Breach of Agreement

 

If Party B or
Party C conducts any material breach of any term of this Agreement, Party A shall have right to terminate this Agreement and/or
require the Party B or Party C to compensate all damages; this Section 10 shall not prejudice any other rights of Party A herein.

 

		11.	Miscellaneous

 

		11.1	Amendment, Change and Supplement

 

Any amendment,
change and supplement to this Agreement shall require the execution of a written agreement by all of the Parties.

 

		11.2	Entire Agreement

 

Except for the
amendments, supplements or changes in writing executed after the execution of this Agreement, this Agreement shall constitute the
entire agreement reached by and among the Parties hereto with respect to the subject matter hereof, and shall supersede all prior
oral and written consultations, representations and contracts reached with respect to the subject matter of this Agreement.

 

		11.3	Headings

 

The headings of
this Agreement are for convenience only, and shall not be used to interpret, explain or otherwise affect the meanings of the provisions
of this Agreement.

 

		11.4	Language

 

This Agreement
is written in both Chinese and English language in three copies, each Party having one copy. In case there is any conflict between
the Chinese version and the English version, the Chinese version shall prevail.

 

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		11.5	Severability

 

In the event that
one or several of the provisions of this Agreement are found to be invalid, illegal or unenforceable in any aspect in accordance
with any laws or regulations, the validity, legality or enforceability of the remaining provisions of this Agreement shall not
be affected or compromised in any respect. The Parties shall strive in good faith to replace such invalid, illegal or unenforceable
provisions with effective provisions that accomplish to the greatest extent permitted by law and the intentions of the Parties,
and the economic effect of such effective provisions shall be as close as possible to the economic effect of those invalid, illegal
or unenforceable provisions.

 

		11.6	Assignment

 

Without Party
A’s prior written consent, Party B and Party C shall not assign their respective rights and obligations under this Agreement
to any third party. Party B and Party C agree that Party A may assign its rights and obligations under this Agreement to any third
party and in case of such assignment, Party A is only required to give written notice to Party B and Party C and does not need
any consent from Party B or Party C for such assignment.

 

		11.7	Successors

 

This Agreement
shall be binding on and shall inure to the interest of the respective successors and the permitted assigns of the Parties.

 

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		11.8	Survival

 

		11.8.1.	Any obligations that occur or that are due as a result of this Agreement upon the expiration or
early termination of this Agreement shall survive the expiration or early termination thereof.

 

		11.8.2.	The provisions of Sections 5, 8, 10 and this Section 11.8 shall survive the termination of this
Agreement.

 

		11.9	Waivers

 

Any Party may
waive the terms and conditions of this Agreement, provided that such a waiver must be provided in writing and shall require the
signatures of the Parties. No waiver by any Party in certain circumstances with respect to a breach by other Parties shall operate
as a waiver by such a Party with respect to any similar breach in other circumstances.

 

    19

     

    

 

IN WITNESS WHEREOF, the
Parties have caused their authorized representatives to execute this Exclusive Option Agreement as of the date first above written.

 

		Party A:	Tianjin Kars Information Technology Co., Ltd. (Seal)

 

	By:	/s/ Liang
    Zhu	 
	Name:	Liang Zhu	 
	Title:	Legal Representative	 

 

     

     

    

 

IN WITNESS WHEREOF, the
Parties have caused their authorized representatives to execute this Exclusive Option Agreement as of the date first above written.

 

		Party
                          B:	Beijing
                                         Jiasheng Investment Management Co., Ltd. (seal)

 

	By:	/s/ Pang
    ZHANG	 
	Name:	Pang ZHANG	 
	Title:	Legal Representative	 

 

     

     

    

 

IN WITNESS WHEREOF, the
Parties have caused their authorized representatives to execute this Exclusive Option Agreement as of the date first above written.

 

		Party C:	Beijing Yixin Information Technology Co., Ltd. (Seal)

 

	By:	/s/ Yongzhi
    Chen	 
	Name:	Yongzhi
    Chen	 
	Title:	Legal
    Representative	 

 

     

     

    

 

Exclusive
Option Agreement

 

This Exclusive Option
Agreement (this “Agreement”) is executed by and among the following Parties as of October 4, 2018 in Beijing,
the People’s Republic of China (“China” or the “PRC”):

 

		Party B:	Shenzhen
                                         Tencent Industry Investment Fund Co., Ltd., a limited liability company organized
                                         and existing under the laws of the PRC, with its address at B815, Wuhan University Shenzhen
                                         Chanxueyan Building, No.6 Yuxing Second Road, Nanshan District, Shenzhen; and

 

		Party C:	Beijing Yixin Information Technology Co., Ltd.,
a limited liability company organized and existing under the laws of the PRC, with its address at Suite 953, 9/F, Building 3,
6 Capital Gymnasium South Road, Haidian District, Beijing.

 

In this Agreement, each
of Party A, Party B and Party C shall be hereinafter referred to as a “Party” individually, and as the “Parties”
collectively.

 

Whereas:

 

		1.	Party B is a shareholder of Party C and as of the date hereof holds 26.6% of equity interests of
Party C, representing RMB 13,300,000 in the registered capital of Party C.

  

    1

     

    

 

		2.	Party B agrees to grant Party A an exclusive option through this Agreement, and Party A agrees
to accept such exclusive option to be used for the purpose of purchasing all or part of equity interest of Party C held by Party
B.

 

Now therefore, upon mutual
discussion and negotiation, the Parties have reached the following agreement:

 

		1.	Sale and Purchase of Equity Interest

 

		1.1	Option Granted

 

Party B hereby
exclusively, irrevocably and unconditionally grants Party A an irrevocable and exclusive right to purchase, or designate one or
more persons (each, a “Designee”) to purchase the equity interests in Party C then held by Party B once or at multiple
times at any time in part or in whole at Party A’s sole and absolute discretion to the extent permitted by Chinese laws and
at the price described in Section 1.3 herein (such right being the “Equity Interest Purchase Option”). Except for Party
A and the Designee(s), no other person shall be entitled to the Equity Interest Purchase Option or other rights with respect to
the equity interests of Party B. Party C hereby agrees to the grant by Party B of the Equity Interest Purchase Option to Party
A. The term “person” as used herein shall refer to individuals, corporations, partnerships, partners, enterprises,
trusts or non-corporate organizations.

 

 

    2

     

    

 

		1.2	Steps for Exercise of Equity Interest Purchase Option

 

Subject to the
provisions of the laws and regulations of China, Party A may exercise the Equity Interest Purchase Option by issuing a written
notice to Party B (the “Equity Interest Purchase Option Notice”), specifying: (a) Party A’s decision to exercise
the Equity Interest Purchase Option, and the name of the Designee(s) if any; (b) the portion of equity interests to be purchased
by Party A or the Designee from Party B (the “Optioned Interests”); and (c) the date for purchasing the Optioned Interests
or the date for transfer of the Optioned Interests.

 

		1.3	Equity Interest Purchase Price

 

The total purchase
price for the purchase by Party A of all Optioned Interests held by Party B upon exercise of the Equity Interest Purchase Option
by Party A shall be RMB 13,300,000; if Party A exercises the Equity Interest Purchase Option to purchase part of the Optioned Interests
held by Party B in Party C, then the purchase price shall be calculated on a pro rata basis.  If appraisal is required by
the laws of China at the time when Party A exercises the Equity Interest Purchase Option, the Parties shall negotiate in good faith
and based on the appraisal result make necessary adjustment to the Equity Interest Purchase Price so that it complies with any
and all then applicable laws of China (collectively, the “Equity Interest Purchase Price”). Party B shall donate the
balance of the Equity Interest Purchase Price received from Party A, after deducting/ withholding the relevant taxes (if any) pursuant
to applicable laws of China, to Party A or the Designee(s) of Party A for free within ten (10) days after Party B receives the
Equity Interest Purchase Price and pays/ withholds the relevant taxes (if any).

 

		1.4	Transfer of Optioned Interests

 

For each exercise
of the Equity Interest Purchase Option:

 

		1.4.1	Party B shall cause Party C to promptly convene a shareholders’ meeting, at which a resolution
shall be adopted approving Party B’s transfer of the Optioned Interests to Party A and/or the Designee(s);

 

    3

     

    

 

		1.4.2	Party B shall obtain written statements from the other shareholders of Party C giving consent to
the transfer of the Optioned Interests to Party A and/or the Designee(s) and waiving any right of first refusal with respect thereto;

 

		1.4.3	Within thirty (30) days after receipt of the Equity Interest Purchase Option Notice by Party B
from Party A and/or any Designee (whichever is applicable), Party B and Party A and/or such Designee (whichever is applicable)
shall complete all procedures for Party A’s and/or such Designee’s (whichever is applicable) acquisition of such Optioned
Interests and for Party A and/or such Designee (whichever is applicable) becoming a shareholder of Party C, including without limitation
execution of an equity interest transfer contract and any other necessary documents or agreements, adoption of any necessary resolutions,
issuance of any necessary documents by Party C and performance of all relevant procedures;

 

		1.4.4	The relevant Parties shall execute all other necessary contracts, agreements or documents, obtain
all necessary government licenses and permits and take all necessary actions to transfer valid ownership of the Optioned Interests
to Party A and/or the Designee(s), unencumbered by any security interests, and cause Party A and/or the Designee(s) to become the
registered owner(s) of the Optioned Interests. For the purpose of this Section and this Agreement, “security interests”
shall include securities, mortgages, third party’s rights or interests, any stock options, acquisition right, right of first
refusal, right to offset, ownership retention or other security arrangements, but shall be deemed to exclude any security interest
created by this Agreement, Party B’s Equity Interest Pledge Agreement and Party B’s Power of Attorney. “Party
B’s Equity Interest Pledge Agreement” as used in this Agreement shall refer to the Equity Interest Pledge Agreement
executed by and among Party A, Party B and Party C on the date hereof and any modification, amendment and restatement thereto.
“Party B’s Power of Attorney” as used in this Agreement shall refer to the Power of Attorney executed by Party
B on the date hereof granting Party A with power of attorney and any modification, amendment and restatement thereto.

 

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		2.	Covenants

 

		2.1	Covenants regarding Party C

 

Party B (as a
shareholder of Party C) and Party C hereby covenant as follows:

 

		2.1.1	Without the prior written consent of Party A, they shall not in any manner supplement, change or
amend the articles of association of Party C, increase or decrease its registered capital, or change its structure of registered
capital in other manners;

 

		2.1.2	They shall maintain Party C’s corporate existence in accordance with good financial and business
standards and practices, obtain and maintain all necessary government licenses and permits by prudently and effectively operating
its business and handling its affairs;

 

		2.1.3	Without the prior written consent of Party A, Party C shall not, and shall procure its subsidiaries
not to sell, transfer, mortgage or dispose of in any manner any assets (except for the assets of less than RMB200,000 needed in
the ordinary course of business), business, operation rights, legitimate interest in the income of Party C;

 

    5

     

    

 

		2.1.4	Without the prior written consent of Party A, they shall not incur, inherit, guarantee or suffer
the existence of any debt, except for payables incurred in the ordinary course of business other than through loans;

 

		2.1.5	They shall always operate all of Party C’s businesses in the ordinary course of business
to maintain the asset value of Party C and refrain from any action/omission that may adversely affect Party C’s operating
status and asset value;

 

		2.1.6	Without the prior written consent of Party A, they shall not cause Party C to execute any major
contract, except the contracts in the ordinary course of business (for purpose of this subsection, a contract with a price exceeding
RMB50,000 shall be deemed a major contract);

 

		2.1.7	Without the prior written consent of Party A, they shall not cause Party C to provide any person
with any loan or credit, or provide securities or guarantee for indebtedness of any third party;

 

		2.1.8	They shall provide Party A with information on Party C’s business operations and financial
condition at Party A’s request;

 

		2.1.9	If requested by Party A, they shall procure and maintain insurance in respect of Party C's assets
and business from an insurance carrier acceptable to Party A, at an amount and type of coverage typical for companies that operate
similar businesses;

 

		2.1.10	Without the prior written consent of Party A, they shall not cause or permit Party C to merge,
consolidate with, acquire or invest in any person;

 

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		2.1.11	They shall immediately notify Party A of the occurrence or possible occurrence of any litigation,
arbitration or administrative proceedings relating to Party C’s assets, business or revenue;

 

		2.1.12	To maintain the ownership by Party C of all of its assets, they shall execute all necessary or
appropriate documents, take all necessary or appropriate actions, file all necessary or appropriate complaints, and raise necessary
or appropriate defenses against all claims;

 

		2.1.13	Without the prior written consent of Party A, they shall ensure that Party C shall not in any manner
distribute dividends to its shareholders, provided that upon Party A’s written request, Party C shall immediately distribute
all distributable profits to its shareholders;

 

		2.1.14	At the request of Party A, they shall appoint any person designated by Party A as the director,
supervisor and senior management of Party C, and/or remove any incumbent director, supervisor and senior management of Party C,
and perform all relevant resolutions and filing procedures; Party A has the right to demand Party B and Party C to make such replacement.

 

		2.1.15	Without Party A’s prior written consent, Party C shall not engage in any business in competition
with Party A or its affiliates;

 

		2.1.16	Unless otherwise required by PRC law, Party C shall not be dissolved or liquated without prior
written consent by Party A;

 

    7

     

    

 

		2.1.17	In the event that any shareholder of Party C or Party C fails to comply with its tax obligations
under the applicable laws that hinders the exercise of the Equity Interest Purchase Option by Party A, Party A is entitled to demand
Party C or its shareholders to comply with the tax obligations; and

 

		2.1.18	Party B and Party C shall procure the subsidiaries of Party C to comply with the covenants applicable
to Party C as prescribed in this Section 2.1 where applicable, as such subsidiaries are the Party C under the relevant provisions.

 

		2.2	Covenants of Party B

 

Party B hereby covenants
as follows:

 

		2.2.1	Without the prior written consent of Party A, Party B shall not sell, transfer, mortgage or dispose
of in any other manner any legal or beneficial interest in the equity interests in Party C held by Party B, or allow the encumbrance
thereon, except for the interest placed in accordance with this Agreement, Party B’s Equity Interest Pledge Agreement and
Party B’s Power of Attorney;

 

		2.2.2	Without the prior written consent of Party A, Party B shall cause the shareholders’ meeting
and/or the directors (or the executive director) of Party C not to approve any sale, transfer, mortgage or disposition in any other
manner of any legal or beneficial interest in the equity interests in Party C held by Party B, or allow the encumbrance thereon
of any security interest, except for the interest placed in accordance with this Agreement, Party B’s Equity Interest Pledge
Agreement and Party B’s Power of Attorney;

 

    8

     

    

 

		2.2.3	Without the prior written consent of Party A, Party B shall cause the shareholders’ meeting
or the directors (or the executive director) of Party C not to approve the merger or consolidation with any person, or the acquisition
of or investment in any person;

 

		2.2.4	Party B shall immediately notify Party A of the occurrence or possible occurrence of any litigation,
arbitration or administrative proceedings relating to the equity interests in Party C held by Party B;

 

		2.2.5	Party B shall cause the shareholders’ meeting or the directors (or the executive director)
of Party C to vote in favor of the transfer of the Optioned Interests as set forth in this Agreement and to take any and all other
actions that may be requested by Party A;

 

		2.2.6	To the extent necessary to maintain Party B’s ownership in Party C, Party B shall execute
all necessary or appropriate documents, take all necessary or appropriate actions, file all necessary or appropriate complaints,
and raise necessary or appropriate defenses against all claims;

 

		2.2.7	Party B shall appoint any designee of Party A as the director and senior management of Party C,
at the request of Party A;

 

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		2.2.8	Party B gives consent to execution by each other shareholder of Party C with Party A and Party
C the exclusive option agreement, the equity interest pledge agreement and the power of attorney similar to this Agreement, Party
B’s Equity Interest Pledge Agreement and Party B’s Power of Attorney and undertakes not to take any action in conflict
with such documents executed by the other shareholders; with respect to the transfer of equity interest of Party C by any of the
other shareholders of Party C to Party A and/or the Designee(s) pursuant to such shareholder’s exclusive option agreement,
Party B hereby waives all of its right of first refusal (if any).

 

		2.2.9	Party B shall promptly donate any profit, interest, dividend or proceeds of liquidation to Party
A or any other person designated by Party A to the extent permitted under applicable PRC laws; and

 

		2.2.10	Party B shall strictly abide by the provisions of this Agreement and other contracts jointly or
separately executed by and among Party B, Party C and Party A, perform the obligations hereunder and thereunder, and refrain from
any action/omission that may affect the effectiveness and enforceability thereof. To the extent that Party B has any remaining
rights with respect to the equity interests subject to this Agreement hereunder or under the Party B’s Equity Interest Pledge
Agreement or under the Party B’s Power of Attorney, Party B shall not exercise such rights except in accordance with the
written instructions of Party A.

 

		3.	Representations and Warranties

 

Party B and
Party C hereby represent and warrant to Party A severally, as of the date of this Agreement and each date of transfer of the Optioned
Interests, that (whereas, Party B only make representations and warranties with respect to the following matters provided under
Sections 3.1, 3.2, 3.3 and 3.4 that apply to Party B):

 

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		3.1	They have the power, capacity and authority to execute and deliver this Agreement and any equity
interest transfer contracts to which they are parties concerning the Optioned Interests to be transferred thereunder (each, a “Transfer
Contract”), and to perform their obligations under this Agreement and any Transfer Contracts. Party B and Party C agree to
enter into Transfer Contracts substantially consistent with the terms of this Agreement upon Party A’s exercise of the Equity
Interest Purchase Option. This Agreement and the Transfer Contracts to which they are parties constitute or will constitute their
legal, valid and binding obligations and shall be enforceable against them in accordance with the provisions thereof;

 

		3.2	Party B and Party C have obtained any and all approvals and consents from government authorities
and third parties (if required) for execution, delivery and performance of this Agreement.

 

		3.3	The execution and delivery of this Agreement or any Transfer Contracts and the obligations under
this Agreement or any Transfer Contracts shall not: (i) cause any violation of any applicable laws of China; (ii) be inconsistent
with the articles of association, bylaws or other organizational documents of Party C; (iii) cause the violation of any contracts
or instruments to which they are a party or which are binding on them, or constitute any breach under any contracts or instruments
to which they are a party or which are binding on them; (iv) cause any violation of any condition for the grant and/or continued
effectiveness of any licenses or permits issued to either of them; or (v) cause the suspension or revocation of or imposition of
additional conditions to any licenses or permits issued to either of them;

 

		3.4	Party B has a good and merchantable title to the equity interests held by Party B in Party C. Except
for Party B’s Equity Interest Pledge Agreement and Party B’s Power of Attorney, Party B has not placed any security
interest on such equity interests;

 

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		3.5	Party C is a limited liability company duly organized and validly existing under the laws of the
PRC. Party C has a good and merchantable title to all of its assets, and has not placed any security interest on the aforementioned
assets;

 

		3.6	Party C does not have any outstanding debts, except for (i) debt incurred in the ordinary course
of business; and (ii) debts disclosed to Party A for which Party A’s written consent has been obtained.

 

		3.7	Party C has complied with all PRC laws and regulations in material aspects;

 

		3.8	There are no pending or threatened litigation, arbitration or administrative proceedings relating
to the equity interests in Party C, assets of Party C or Party C.

 

		4.	Effective Date and Term

 

		4.1	This Agreement shall become effective upon execution by the Parties, and remain effective until
all equity interests held by Party B in Party C have been transferred or assigned to Party A and/or any other person designated
by Party A in accordance with this Agreement.

 

		4.2	Within the term of this Agreement, Party A may at its sole discretion decide to unconditionally
terminate this Agreement by issuing a written notice to Party B in advance and bears no liability. Unless otherwise provided for
by any mandatory provision of PRC laws, neither Party B nor Party C is entitled to terminate this Agreement unilaterally.

 

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		5.	Governing Law and Resolution of Disputes

 

		5.1	Governing Law

 

The execution,
effectiveness, construction, performance, amendment and termination of this Agreement and the resolution of disputes hereunder
shall be governed by the laws of the PRC.

 

		5.2	Methods of Resolution of Disputes

 

In the event
of any dispute with respect to the construction and performance of this Agreement, the Parties shall first resolve the dispute
through friendly negotiations. In the event the Parties fail to reach an agreement on the dispute through negotiations, either
Party may submit the relevant dispute to the China International Economic and Trade Arbitration Commission for arbitration, in
accordance with its arbitration rules and procedures in effect at the time. The arbitration shall be conducted in Beijing. The
arbitration award shall be final and binding on all Parties.

 

		5.3	To the extent permitted by PRC laws and where appropriate, the arbitration tribunal may grant any
remedies in accordance with the provisions of this Agreement and applicable PRC laws, including preliminary and permanent injunctive
relief (such as injunction against carrying out business activities, or mandating the transfer of assets), specific performance
of contractual obligations, remedies concerning the equity interest or assets of Party C and awards directing Party C to conduct
liquidation. To the extent permitted by PRC laws, when awaiting the formation of the arbitration tribunal or otherwise under appropriate
conditions, either Party may seek preliminary injunctive relief or other interlocutory remedies from a court with competent jurisdiction
to facilitate the arbitration. Without violating the applicable governing laws, the Parties agree that the courts of Hong Kong,
Cayman Islands, China and the place where the principal assets of Party C are located shall all be deemed to have competent jurisdiction.

 

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		5.4	Upon the occurrence of any disputes arising from the construction
and performance of this Agreement or during the pending arbitration of any dispute, except for the matters under dispute, the Parties
shall continue to exercise their respective rights under this Agreement and perform their respective obligations under this Agreement.

 

		6.	Taxes and Fees

 

Unless as otherwise
agreed in this Agreement, each Party shall pay any and all transfer and registration tax, expenses and fees incurred thereby or
levied thereon in accordance with the laws of China in connection with the preparation and execution of this Agreement and the
Transfer Contracts, as well as the consummation of the transactions contemplated under this Agreement and the Transfer Contracts.

 

		7.	Notices

 

		7.1	All notices and other communications required or permitted to be given pursuant to this Agreement
shall be delivered personally or sent by registered mail, postage prepaid, by a commercial courier service or by facsimile transmission
to the address of such Party set forth below. A confirmation copy of each notice shall also be sent by email. The dates on which
notices shall be deemed to have been effectively given shall be determined as follows:

 

		7.1.1	Notices given by personal delivery, by courier service or by registered mail, postage prepaid,
shall be deemed effectively given on the date of receipt or refusal at the address specified for notices;

 

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		7.1.2	Notices given by facsimile transmission shall be deemed effectively given on the date of successful
transmission (as evidenced by an automatically generated confirmation of transmission).

 

		7.2	For the purpose of notices, the addresses of the Parties are as follows:

 

		Party A:	Tianjin Kars Information Technology Co., Ltd.

		Address:	12/F, No.3 building, No.799 YangGao SouthRoad,

Pudong District, Shanghai

		Attn:	Legal Department

		Phone:	021 6028 8888

 

		Party B:	Shenzhen
Tencent Industry Investment Fund Co., Ltd., 

		Address:	Tencent Building Kejzhongyi
                                         Avenue,

                                         Hi-tech Park, Nanshan District, Shenzhen

		Attn:	Compliance and Transactions Department

		Email:	legalnotice@tencent.com

 

	 	Address:	Tencent Building, Kejizhongyi
                                Avenue,

                                Hi-tech Park, Nanshan
                                District, Shenzhen

	 	Attn:	Mergers and Acquisitions Department

	 	Email:	PD_Support@tencent.com

 

		Party C:	Beijing Yixin Information Technology Co., Ltd.

		Address:	5/F, Main building of Tengda building, No.168,  Xizhimenwai Street, Haidian District, Beijing

		Attn:	Legal Department

		Phone:	010 6849 2345

 

		7.3	Any Party may at any time change its address for notices by a notice delivered to the other Parties
in accordance with the terms hereof.

 

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		8.	Confidentiality

 

The Parties
acknowledge that the existence and the terms of this Agreement, and any oral or written information exchanged between the Parties
in connection with the preparation and performance of this Agreement are regarded as confidential information. Each Party shall
maintain confidentiality of all such confidential information, and without obtaining the written consent of other Parties, it shall
not disclose any relevant confidential information to any third parties, except for the information that: (a) is or will be in
the public domain (other than through the receiving Party’s unauthorized disclosure); (b) is under the obligation to be disclosed
pursuant to the applicable laws or regulations, rules of any stock exchange, or orders of the court or other government authorities;
or (c) is required to be disclosed by any Party to its shareholders, directors, employees, legal counsels or financial advisors
regarding the transaction contemplated hereunder, provided that such shareholders, directors, employees, legal counsels or financial
advisors shall be bound by the confidentiality obligations similar to those set forth in this Section. Disclosure of any confidential
information by the shareholders, director, employees of or agencies engaged by any Party shall be deemed disclosure of such confidential
information by such Party and such Party shall be held liable for breach of this Agreement.

 

		9.	Further Warranties

 

The Parties
agree to promptly execute documents that are reasonably required for or are conducive to the implementation of the provisions and
purposes of this Agreement and take further actions that are reasonably required for or are conducive to the implementation of
the provisions and purposes of this Agreement.

 

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		10.	Breach of Agreement

 

If Party B or
Party C conducts any material breach of any term of this Agreement, Party A shall have right to terminate this Agreement and/or
require the Party B or Party C to compensate all damages; this Section 10 shall not prejudice any other rights of Party A herein.

 

		11.	Miscellaneous

 

		11.1	Amendment, Change and Supplement

 

Any amendment,
change and supplement to this Agreement shall require the execution of a written agreement by all of the Parties.

 

		11.2	Entire Agreement

 

Except for the
amendments, supplements or changes in writing executed after the execution of this Agreement, this Agreement shall constitute the
entire agreement reached by and among the Parties hereto with respect to the subject matter hereof, and shall supersede all prior
oral and written consultations, representations and contracts reached with respect to the subject matter of this Agreement.

 

		11.3	Headings

 

The headings of
this Agreement are for convenience only, and shall not be used to interpret, explain or otherwise affect the meanings of the provisions
of this Agreement.

 

		11.4	Language

 

This Agreement
is written in both Chinese and English language in three copies, each Party having one copy. In case there is any conflict between
the Chinese version and the English version, the Chinese version shall prevail.

 

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		11.5	Severability

 

In the event that
one or several of the provisions of this Agreement are found to be invalid, illegal or unenforceable in any aspect in accordance
with any laws or regulations, the validity, legality or enforceability of the remaining provisions of this Agreement shall not
be affected or compromised in any respect. The Parties shall strive in good faith to replace such invalid, illegal or unenforceable
provisions with effective provisions that accomplish to the greatest extent permitted by law and the intentions of the Parties,
and the economic effect of such effective provisions shall be as close as possible to the economic effect of those invalid, illegal
or unenforceable provisions.

 

		11.6	Assignment

 

Without Party
A’s prior written consent, Party B and Party C shall not assign their respective rights and obligations under this Agreement
to any third party. Party B and Party C agree that Party A may assign its rights and obligations under this Agreement to any third
party and in case of such assignment, Party A is only required to give written notice to Party B and Party C and does not need
any consent from Party B or Party C for such assignment.

 

		11.7	Successors

 

This Agreement
shall be binding on and shall inure to the interest of the respective successors and the permitted assigns of the Parties.

 

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		11.8	Survival

 

		11.8.1.	Any obligations that occur or that are due as a result of this Agreement upon the expiration or
early termination of this Agreement shall survive the expiration or early termination thereof.

 

		11.8.2.	The provisions of Sections 5, 8, 10 and this Section 11.8 shall survive the termination of this
Agreement.

 

		11.9	Waivers

 

Any Party may
waive the terms and conditions of this Agreement, provided that such a waiver must be provided in writing and shall require the
signatures of the Parties. No waiver by any Party in certain circumstances with respect to a breach by other Parties shall operate
as a waiver by such a Party with respect to any similar breach in other circumstances.

 

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IN WITNESS WHEREOF, the
Parties have caused their authorized representatives to execute this Exclusive Option Agreement as of the date first above written.

 

		Party A:	Tianjin Kars Information Technology Co., Ltd. (Seal)

 

	By:	/s/ Liang
    Zhu	 
	Name:	Liang Zhu	 
	Title:	Legal Representative	 

 

Signature Page to
Exclusive Option Agreement

 

     

     

    

 

IN WITNESS WHEREOF, the
Parties have caused their authorized representatives to execute this Exclusive Option Agreement as of the date first above written.

 

		Party
                          B:	Shenzhen
                                         Tencent Industry Investment Fund Co., Ltd (seal)

 

	By:	/s/ Yuxin REN	 
	Name:	Yuxin REN	 
	Title:	Legal Representative	 

 

Signature Page to
Exclusive Option Agreement

 

     

     

    

 

IN WITNESS WHEREOF, the
Parties have caused their authorized representatives to execute this Exclusive Option Agreement as of the date first above written.

 

		Party C:	Beijing Yixin Information Technology Co., Ltd. (Seal)

 

	By:	/s/ Yongzhi
    Chen	 
	Name:	Yongzhi
    Chen	 
	Title:	Legal
    Representative	 

 

Signature Page to
Exclusive Option Agreement

 

    

     

    

  

Exclusive
Option Agreement

 

This Exclusive Option
Agreement (this “Agreement”) is executed by and among the following Parties as of October 4, 2018 in Beijing,
the People’s Republic of China (“China” or the “PRC”):

 

		Party A:	Tianjin Kars Information Technology Co., Ltd., a limited liability company, organized
                                                                                           and existing under the laws of the PRC, with its address at No.Unit2-102,  building e, Haifeng Logistics Park, No. 600 Luoyang
                                                                                           Road, Dongjiang Free Trade Port Zone, Free Trade Pilot Zones, Tianjin;

 

		Party B	Tianjin                                          Jushen Information Technology Co.,
                                                                                          Ltd., a limited liability company organized                                          and existing under the laws of the
                                                                                          PRC, with its address at No.Unite2-102 building 3, Haifeng Logistics Park, No. 600 Luoyang Road, Dongjiang Free Trade Zone,
                                                                                          Free Trade Pilot Zones Tianjin;                                                                                           and

 

		Party C:	Beijing Yixin Information Technology Co., Ltd.,
a limited liability company organized and existing under the laws of the PRC, with its address at Suite 953, 9/F, Building 3,
6 Capital Gymnasium South Road, Haidian District, Beijing.

 

In this Agreement, each
of Party A, Party B and Party C shall be hereinafter referred to as a “Party” individually, and as the “Parties”
collectively.

 

Whereas:

 

		1.	Party B is a shareholder of Party C and as of the date hereof holds 55.7% of equity interests of
Party C, representing RMB 27,850,000 in the registered capital of Party C.

  

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		2.	Party B agrees to grant Party A an exclusive option through this Agreement, and Party A agrees
to accept such exclusive option to be used for the purpose of purchasing all or part of equity interest of Party C held by Party
B.

 

Now therefore, upon mutual
discussion and negotiation, the Parties have reached the following agreement:

 

		1.	Sale and Purchase of Equity Interest

 

		1.1	Option Granted

 

Party B hereby
exclusively, irrevocably and unconditionally grants Party A an irrevocable and exclusive right to purchase, or designate one or
more persons (each, a “Designee”) to purchase the equity interests in Party C then held by Party B once or at multiple
times at any time in part or in whole at Party A’s sole and absolute discretion to the extent permitted by Chinese laws and
at the price described in Section 1.3 herein (such right being the “Equity Interest Purchase Option”). Except for Party
A and the Designee(s), no other person shall be entitled to the Equity Interest Purchase Option or other rights with respect to
the equity interests of Party B. Party C hereby agrees to the grant by Party B of the Equity Interest Purchase Option to Party
A. The term “person” as used herein shall refer to individuals, corporations, partnerships, partners, enterprises,
trusts or non-corporate organizations.

 

 

    2

     

    

 

		1.2	Steps for Exercise of Equity Interest Purchase Option

 

Subject to the
provisions of the laws and regulations of China, Party A may exercise the Equity Interest Purchase Option by issuing a written
notice to Party B (the “Equity Interest Purchase Option Notice”), specifying: (a) Party A’s decision to exercise
the Equity Interest Purchase Option, and the name of the Designee(s) if any; (b) the portion of equity interests to be purchased
by Party A or the Designee from Party B (the “Optioned Interests”); and (c) the date for purchasing the Optioned Interests
or the date for transfer of the Optioned Interests.

 

		1.3	Equity Interest Purchase Price

 

The total purchase
price for the purchase by Party A of all Optioned Interests held by Party B upon exercise of the Equity Interest Purchase Option
by Party A shall be RMB 27,850,000; if Party A exercises the Equity Interest Purchase Option to purchase part of the Optioned Interests
held by Party B in Party C, then the purchase price shall be calculated on a pro rata basis.  If appraisal is required by
the laws of China at the time when Party A exercises the Equity Interest Purchase Option, the Parties shall negotiate in good faith
and based on the appraisal result make necessary adjustment to the Equity Interest Purchase Price so that it complies with any
and all then applicable laws of China (collectively, the “Equity Interest Purchase Price”). Party B shall donate the
balance of the Equity Interest Purchase Price received from Party A, after deducting/ withholding the relevant taxes (if any) pursuant
to applicable laws of China, to Party A or the Designee(s) of Party A for free within ten (10) days after Party B receives the
Equity Interest Purchase Price and pays/ withholds the relevant taxes (if any).

 

		1.4	Transfer of Optioned Interests

 

For each exercise
of the Equity Interest Purchase Option:

 

		1.4.1	Party B shall cause Party C to promptly convene a shareholders’ meeting, at which a resolution
shall be adopted approving Party B’s transfer of the Optioned Interests to Party A and/or the Designee(s);

 

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		1.4.2	Party B shall obtain written statements from the other shareholders of Party C giving consent to
the transfer of the Optioned Interests to Party A and/or the Designee(s) and waiving any right of first refusal with respect thereto;

 

		1.4.3	Within thirty (30) days after receipt of the Equity Interest Purchase Option Notice by Party B
from Party A and/or any Designee (whichever is applicable), Party B and Party A and/or such Designee (whichever is applicable)
shall complete all procedures for Party A’s and/or such Designee’s (whichever is applicable) acquisition of such Optioned
Interests and for Party A and/or such Designee (whichever is applicable) becoming a shareholder of Party C, including without limitation
execution of an equity interest transfer contract and any other necessary documents or agreements, adoption of any necessary resolutions,
issuance of any necessary documents by Party C and performance of all relevant procedures;

 

		1.4.4	The relevant Parties shall execute all other necessary contracts, agreements or documents, obtain
all necessary government licenses and permits and take all necessary actions to transfer valid ownership of the Optioned Interests
to Party A and/or the Designee(s), unencumbered by any security interests, and cause Party A and/or the Designee(s) to become the
registered owner(s) of the Optioned Interests. For the purpose of this Section and this Agreement, “security interests”
shall include securities, mortgages, third party’s rights or interests, any stock options, acquisition right, right of first
refusal, right to offset, ownership retention or other security arrangements, but shall be deemed to exclude any security interest
created by this Agreement, Party B’s Equity Interest Pledge Agreement and Party B’s Power of Attorney. “Party
B’s Equity Interest Pledge Agreement” as used in this Agreement shall refer to the Equity Interest Pledge Agreement
executed by and among Party A, Party B and Party C on the date hereof and any modification, amendment and restatement thereto.
“Party B’s Power of Attorney” as used in this Agreement shall refer to the Power of Attorney executed by Party
B on the date hereof granting Party A with power of attorney and any modification, amendment and restatement thereto.

 

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		2.	Covenants

 

		2.1	Covenants regarding Party C

 

Party B (as a
shareholder of Party C) and Party C hereby covenant as follows:

 

		2.1.1	Without the prior written consent of Party A, they shall not in any manner supplement, change or
amend the articles of association of Party C, increase or decrease its registered capital, or change its structure of registered
capital in other manners;

 

		2.1.2	They shall maintain Party C’s corporate existence in accordance with good financial and business
standards and practices, obtain and maintain all necessary government licenses and permits by prudently and effectively operating
its business and handling its affairs;

 

		2.1.3	Without the prior written consent of Party A, Party C shall not, and shall procure its subsidiaries
not to sell, transfer, mortgage or dispose of in any manner any assets (except for the assets of less than RMB200,000 needed in
the ordinary course of business), business, operation rights, legitimate interest in the income of Party C;

 

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		2.1.4	Without the prior written consent of Party A, they shall not incur, inherit, guarantee or suffer
the existence of any debt, except for payables incurred in the ordinary course of business other than through loans;

 

		2.1.5	They shall always operate all of Party C’s businesses in the ordinary course of business
to maintain the asset value of Party C and refrain from any action/omission that may adversely affect Party C’s operating
status and asset value;

 

		2.1.6	Without the prior written consent of Party A, they shall not cause Party C to execute any major
contract, except the contracts in the ordinary course of business (for purpose of this subsection, a contract with a price exceeding
RMB50,000 shall be deemed a major contract);

 

		2.1.7	Without the prior written consent of Party A, they shall not cause Party C to provide any person
with any loan or credit, or provide securities or guarantee for indebtedness of any third party;

 

		2.1.8	They shall provide Party A with information on Party C’s business operations and financial
condition at Party A’s request;

 

		2.1.9	If requested by Party A, they shall procure and maintain insurance in respect of Party C’s assets
and business from an insurance carrier acceptable to Party A, at an amount and type of coverage typical for companies that operate
similar businesses;

 

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		2.1.10	Without the prior written consent of Party A, they shall not cause or permit Party C to merge,
consolidate with, acquire or invest in any person;

 

		2.1.11	They shall immediately notify Party A of the occurrence or possible occurrence of any litigation,
arbitration or administrative proceedings relating to Party C’s assets, business or revenue;

 

		2.1.12	To maintain the ownership by Party C of all of its assets, they shall execute all necessary or
appropriate documents, take all necessary or appropriate actions, file all necessary or appropriate complaints, and raise necessary
or appropriate defenses against all claims;

 

		2.1.13	Without the prior written consent of Party A, they shall ensure that Party C shall not in any manner
distribute dividends to its shareholders, provided that upon Party A’s written request, Party C shall immediately distribute
all distributable profits to its shareholders;

 

		2.1.14	At the request of Party A, they shall appoint any person designated by Party A as the director,
supervisor and senior management of Party C, and/or remove any incumbent director, supervisor and senior management of Party C,
and perform all relevant resolutions and filing procedures; Party A has the right to demand Party B and Party C to make such replacement.

 

		2.1.15	Without Party A’s prior written consent, Party C shall not engage in any business in competition
with Party A or its affiliates;

  

    7

     

    

 

		2.1.16	Unless otherwise required by PRC law, Party C shall not be dissolved or liquated without prior
written consent by Party A;

 

		2.1.17	In the event that any shareholder of Party C or Party C fails to comply with its tax obligations
under the applicable laws that hinders the exercise of the Equity Interest Purchase Option by Party A, Party A is entitled to demand
Party C or its shareholders to comply with the tax obligations; and

 

		2.1.18	Party B and Party C shall procure the subsidiaries of Party C to comply with the covenants applicable
to Party C as prescribed in this Section 2.1 where applicable, as such subsidiaries are the Party C under the relevant provisions.

 

		2.2	Covenants of Party B

 

Party B hereby covenants
as follows:

 

		2.2.1	Without the prior written consent of Party A, Party B shall not sell, transfer, mortgage or dispose
of in any other manner any legal or beneficial interest in the equity interests in Party C held by Party B, or allow the encumbrance
thereon, except for the interest placed in accordance with this Agreement, Party B’s Equity Interest Pledge Agreement and
Party B’s Power of Attorney;

 

		2.2.2	Without the prior written consent of Party A, Party B shall cause the shareholders’ meeting
and/or the directors (or the executive director) of Party C not to approve any sale, transfer, mortgage or disposition in any other
manner of any legal or beneficial interest in the equity interests in Party C held by Party B, or allow the encumbrance thereon
of any security interest, except for the interest placed in accordance with this Agreement, Party B’s Equity Interest Pledge
Agreement and Party B’s Power of Attorney;

 

    8

     

    

 

		2.2.3	Without the prior written consent of Party A, Party B shall cause the shareholders’ meeting
or the directors (or the executive director) of Party C not to approve the merger or consolidation with any person, or the acquisition
of or investment in any person;

 

		2.2.4	Party B shall immediately notify Party A of the occurrence or possible occurrence of any litigation,
arbitration or administrative proceedings relating to the equity interests in Party C held by Party B;

 

		2.2.5	Party B shall cause the shareholders’ meeting or the directors (or the executive director)
of Party C to vote in favor of the transfer of the Optioned Interests as set forth in this Agreement and to take any and all other
actions that may be requested by Party A;

 

		2.2.6	To the extent necessary to maintain Party B’s ownership in Party C, Party B shall execute
all necessary or appropriate documents, take all necessary or appropriate actions, file all necessary or appropriate complaints,
and raise necessary or appropriate defenses against all claims;

 

		2.2.7	Party B shall appoint any designee of Party A as the director and senior management of Party C,
at the request of Party A;

 

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		2.2.8	Party B gives consent to execution by each other shareholder of Party C with Party A and Party
C the exclusive option agreement, the equity interest pledge agreement and the power of attorney similar to this Agreement, Party
B’s Equity Interest Pledge Agreement and Party B’s Power of Attorney and undertakes not to take any action in conflict
with such documents executed by the other shareholders; with respect to the transfer of equity interest of Party C by any of the
other shareholders of Party C to Party A and/or the Designee(s) pursuant to such shareholder’s exclusive option agreement,
Party B hereby waives all of its right of first refusal (if any).

 

		2.2.9	Party B shall promptly donate any profit, interest, dividend or proceeds of liquidation to Party
A or any other person designated by Party A to the extent permitted under applicable PRC laws; and

 

		2.2.10	Party B shall strictly abide by the provisions of this Agreement and other contracts jointly or
separately executed by and among Party B, Party C and Party A, perform the obligations hereunder and thereunder, and refrain from
any action/omission that may affect the effectiveness and enforceability thereof. To the extent that Party B has any remaining
rights with respect to the equity interests subject to this Agreement hereunder or under the Party B’s Equity Interest Pledge
Agreement or under the Party B’s Power of Attorney, Party B shall not exercise such rights except in accordance with the
written instructions of Party A.

 

		3.	Representations and Warranties

 

Party B and
Party C hereby represent and warrant to Party A severally, as of the date of this Agreement and each date of transfer of the Optioned
Interests, that (whereas, Party B only make representations and warranties with respect to the following matters provided under
Sections 3.1, 3.2, 3.3 and 3.4 that apply to Party B):

 

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		3.1	They have the power, capacity and authority to execute and deliver this Agreement and any equity
interest transfer contracts to which they are parties concerning the Optioned Interests to be transferred thereunder (each, a “Transfer
Contract”), and to perform their obligations under this Agreement and any Transfer Contracts. Party B and Party C agree to
enter into Transfer Contracts substantially consistent with the terms of this Agreement upon Party A’s exercise of the Equity
Interest Purchase Option. This Agreement and the Transfer Contracts to which they are parties constitute or will constitute their
legal, valid and binding obligations and shall be enforceable against them in accordance with the provisions thereof;

 

		3.2	Party B and Party C have obtained any and all approvals and consents from government authorities
and third parties (if required) for execution, delivery and performance of this Agreement.

 

		3.3	The execution and delivery of this Agreement or any Transfer Contracts and the obligations under
this Agreement or any Transfer Contracts shall not: (i) cause any violation of any applicable laws of China; (ii) be inconsistent
with the articles of association, bylaws or other organizational documents of Party C; (iii) cause the violation of any contracts
or instruments to which they are a party or which are binding on them, or constitute any breach under any contracts or instruments
to which they are a party or which are binding on them; (iv) cause any violation of any condition for the grant and/or continued
effectiveness of any licenses or permits issued to either of them; or (v) cause the suspension or revocation of or imposition of
additional conditions to any licenses or permits issued to either of them;

  

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		3.4	Party B has a good and merchantable title to the equity interests held by Party B in Party C. Except
for Party B’s Equity Interest Pledge Agreement and Party B’s Power of Attorney, Party B has not placed any security
interest on such equity interests;

 

		3.5	Party C is a limited liability company duly organized and validly existing under the laws of the
PRC. Party C has a good and merchantable title to all of its assets, and has not placed any security interest on the aforementioned
assets;

 

		3.6	Party C does not have any outstanding debts, except for (i) debt incurred in the ordinary course
of business; and (ii) debts disclosed to Party A for which Party A’s written consent has been obtained.

 

		3.7	Party C has complied with all PRC laws and regulations in material aspects;

 

		3.8	There are no pending or threatened litigation, arbitration or administrative proceedings relating
to the equity interests in Party C, assets of Party C or Party C.

 

		4.	Effective Date and Term

 

		4.1	This Agreement shall become effective upon execution by the Parties, and remain effective until
all equity interests held by Party B in Party C have been transferred or assigned to Party A and/or any other person designated
by Party A in accordance with this Agreement.

 

		4.2	Within the term of this Agreement, Party A may at its sole discretion decide to unconditionally
terminate this Agreement by issuing a written notice to Party B in advance and bears no liability. Unless otherwise provided for
by any mandatory provision of PRC laws, neither Party B nor Party C is entitled to terminate this Agreement unilaterally.

 

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		5.	Governing Law and Resolution of Disputes

 

		5.1	Governing Law

 

The execution,
effectiveness, construction, performance, amendment and termination of this Agreement and the resolution of disputes hereunder
shall be governed by the laws of the PRC.

 

		5.2	Methods of Resolution of Disputes

 

In the event
of any dispute with respect to the construction and performance of this Agreement, the Parties shall first resolve the dispute
through friendly negotiations. In the event the Parties fail to reach an agreement on the dispute through negotiations, either
Party may submit the relevant dispute to the China International Economic and Trade Arbitration Commission for arbitration, in
accordance with its arbitration rules and procedures in effect at the time. The arbitration shall be conducted in Beijing. The
arbitration award shall be final and binding on all Parties.

 

		5.3	To the extent permitted by PRC laws and where appropriate, the arbitration tribunal may grant any
remedies in accordance with the provisions of this Agreement and applicable PRC laws, including preliminary and permanent injunctive
relief (such as injunction against carrying out business activities, or mandating the transfer of assets), specific performance
of contractual obligations, remedies concerning the equity interest or assets of Party C and awards directing Party C to conduct
liquidation. To the extent permitted by PRC laws, when awaiting the formation of the arbitration tribunal or otherwise under appropriate
conditions, either Party may seek preliminary injunctive relief or other interlocutory remedies from a court with competent jurisdiction
to facilitate the arbitration. Without violating the applicable governing laws, the Parties agree that the courts of Hong Kong,
Cayman Islands, China and the place where the principal assets of Party C are located shall all be deemed to have competent jurisdiction.

 

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		5.4	Upon the occurrence of any disputes arising from the construction
and performance of this Agreement or during the pending arbitration of any dispute, except for the matters under dispute, the Parties
shall continue to exercise their respective rights under this Agreement and perform their respective obligations under this Agreement.

 

		6.	Taxes and Fees

 

Unless as otherwise
agreed in this Agreement, each Party shall pay any and all transfer and registration tax, expenses and fees incurred thereby or
levied thereon in accordance with the laws of China in connection with the preparation and execution of this Agreement and the
Transfer Contracts, as well as the consummation of the transactions contemplated under this Agreement and the Transfer Contracts.

 

		7.	Notices

 

		7.1	All notices and other communications required or permitted to be given pursuant to this Agreement
shall be delivered personally or sent by registered mail, postage prepaid, by a commercial courier service or by facsimile transmission
to the address of such Party set forth below. A confirmation copy of each notice shall also be sent by email. The dates on which
notices shall be deemed to have been effectively given shall be determined as follows:

 

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		7.1.1	Notices given by personal delivery, by courier service or by registered mail, postage prepaid,
shall be deemed effectively given on the date of receipt or refusal at the address specified for notices;

 

		7.1.2	Notices given by facsimile transmission shall be deemed effectively given on the date of successful
transmission (as evidenced by an automatically generated confirmation of transmission).

 

		7.2	For the purpose of notices, the addresses of the Parties are as follows:

 

		Party A:	Tianjin Kars Information Technology Co., Ltd.

		Address:	12/F, No.3 building,
No.799 YangGao SouthRoad,

Pudong District, Shanghai

		Attn:	Legal Department

		Phone:	021 6028 8888

 

		Party B:	Tianjin Jushen Information Technology Co., Ltd.

	 	Address:	5/F, main building Tengda Building,

    No.168 Xizhimenwai Street, Haidian District, Beijing

	 	Attn:	Legal Department

	 	Phone:	010 6849 2345

 

 

		Party C:	Beijing Yixin Information Technology Co., Ltd.

		Address:	5/F, Main building of Tengda building,

No.168,  Xizhimenwai Street, Haidian District, Beijing

                                                                       

		Attn:	Legal Department

		Phone:	010 6849 2345

 

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		7.3	Any Party may at any time change its address for notices by a notice delivered to the other Parties
in accordance with the terms hereof.

 

		8.	Confidentiality

 

The Parties
acknowledge that the existence and the terms of this Agreement, and any oral or written information exchanged between the Parties
in connection with the preparation and performance of this Agreement are regarded as confidential information. Each Party shall
maintain confidentiality of all such confidential information, and without obtaining the written consent of other Parties, it shall
not disclose any relevant confidential information to any third parties, except for the information that: (a) is or will be in
the public domain (other than through the receiving Party’s unauthorized disclosure); (b) is under the obligation to be disclosed
pursuant to the applicable laws or regulations, rules of any stock exchange, or orders of the court or other government authorities;
or (c) is required to be disclosed by any Party to its shareholders, directors, employees, legal counsels or financial advisors
regarding the transaction contemplated hereunder, provided that such shareholders, directors, employees, legal counsels or financial
advisors shall be bound by the confidentiality obligations similar to those set forth in this Section. Disclosure of any confidential
information by the shareholders, director, employees of or agencies engaged by any Party shall be deemed disclosure of such confidential
information by such Party and such Party shall be held liable for breach of this Agreement.

 

		9.	Further Warranties

 

The Parties
agree to promptly execute documents that are reasonably required for or are conducive to the implementation of the provisions and
purposes of this Agreement and take further actions that are reasonably required for or are conducive to the implementation of
the provisions and purposes of this Agreement.

 

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		10.	Breach of Agreement

 

If Party B or
Party C conducts any material breach of any term of this Agreement, Party A shall have right to terminate this Agreement and/or
require the Party B or Party C to compensate all damages; this Section 10 shall not prejudice any other rights of Party A herein.

 

		11.	Miscellaneous

 

		11.1	Amendment, Change and Supplement

 

Any amendment,
change and supplement to this Agreement shall require the execution of a written agreement by all of the Parties.

 

		11.2	Entire Agreement

 

Except for the
amendments, supplements or changes in writing executed after the execution of this Agreement, this Agreement shall constitute the
entire agreement reached by and among the Parties hereto with respect to the subject matter hereof, and shall supersede all prior
oral and written consultations, representations and contracts reached with respect to the subject matter of this Agreement.

 

		11.3	Headings

 

The headings of
this Agreement are for convenience only, and shall not be used to interpret, explain or otherwise affect the meanings of the provisions
of this Agreement.

 

		11.4	Language

 

This Agreement
is written in both Chinese and English language in three copies, each Party having one copy. In case there is any conflict between
the Chinese version and the English version, the Chinese version shall prevail.

 

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		11.5	Severability

 

In the event that
one or several of the provisions of this Agreement are found to be invalid, illegal or unenforceable in any aspect in accordance
with any laws or regulations, the validity, legality or enforceability of the remaining provisions of this Agreement shall not
be affected or compromised in any respect. The Parties shall strive in good faith to replace such invalid, illegal or unenforceable
provisions with effective provisions that accomplish to the greatest extent permitted by law and the intentions of the Parties,
and the economic effect of such effective provisions shall be as close as possible to the economic effect of those invalid, illegal
or unenforceable provisions.

 

		11.6	Assignment

 

Without Party
A’s prior written consent, Party B and Party C shall not assign their respective rights and obligations under this Agreement
to any third party. Party B and Party C agree that Party A may assign its rights and obligations under this Agreement to any third
party and in case of such assignment, Party A is only required to give written notice to Party B and Party C and does not need
any consent from Party B or Party C for such assignment.

 

		11.7	Successors

 

This Agreement
shall be binding on and shall inure to the interest of the respective successors and the permitted assigns of the Parties.

 

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		11.8	Survival

 

		11.8.1.	Any obligations that occur or that are due as a result of this Agreement upon the expiration or
early termination of this Agreement shall survive the expiration or early termination thereof.

 

		11.8.2.	The provisions of Sections 5, 8, 10 and this Section 11.8 shall survive the termination of this
Agreement.

 

		11.9	Waivers

 

Any Party may
waive the terms and conditions of this Agreement, provided that such a waiver must be provided in writing and shall require the
signatures of the Parties. No waiver by any Party in certain circumstances with respect to a breach by other Parties shall operate
as a waiver by such a Party with respect to any similar breach in other circumstances.

 

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IN WITNESS WHEREOF, the
Parties have caused their authorized representatives to execute this Exclusive Option Agreement as of the date first above written.

 

		Party A:	Tianjin Kars Information Technology Co., Ltd. (Seal)

 

	By:	/s/ Liang
    Zhu	 
	Name:	Liang Zhu	 
	Title:	Legal Representative	 

 

     

     

    

 

IN WITNESS WHEREOF, the
Parties have caused their authorized representatives to execute this Exclusive Option Agreement as of the date first above written.

 

		Party
                          B:	Tianjin                                          Jushen Information Technology Co.,
                                                                                          Ltd. (seal)

 

	By:	/s/ Yongzhi Chen	 
	Name:	Yongzhi Chen	 
	Title:	Legal Representative	 

 

     

     

    

 

IN WITNESS WHEREOF, the
Parties have caused their authorized representatives to execute this Exclusive Option Agreement as of the date first above written.

 

		Party C:	Beijing Yixin Information Technology Co., Ltd. (Seal)

 

	By:	/s/
    Yongzhi Chen	 
	Name:	Yongzhi Chen	 
	Title:	Legal Representative

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