Document:

Confidentiality
Agreement

 

Party
A: Qingdao Zhong Ying Assets Management Co., Ltd.

 

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

 

Whereas
both parties are under negotiation or cooperation and Party A needs to obtain relevant business data and information of Party
B, both parties conclude and sign this agreement through friendly negotiation on the principle of mutual benefit and joint development.

 

Article
1 Definition of confidential data

 

Confidential
data means any data or information of relevant business which is disclosed by Party B to Party A in writing or in any other form
and clearly marked or indicated as confidential data (hereinafter referred to as "Confidential Data"), excluding the
following data or information which:

 

(1) is
already or will be made public, excluding that which is disclosed by Party B or any representative of Party B without authorization
in breaching this agreement;

 

(2) is
not confidential as is already known to Party A before disclosed by Party B to Party A;

 

(3) is
not confidential and provided by Party B, and Party A does not know that any provider (third party) of such data has signed a
binding confidentiality agreement with Party A before disclosing such data and Party A has reason to believe that any discloser
of such data is not forbidden to provide any other recipients with such data.

 

Article
2 Responsibilities of both parties

 

1.
 As the receiving party, Party A has an obligation to keep confidential data confidential and takes the confidentiality responsibility.

 

2. Without
the written consent of Party B, Party A shall not make public or disclose any confidential data to any third party (including
people in press industry) or otherwise use such confidential data. Party A also must procure that any representative of Party
A will not make public or disclose any confidential data to any third party (including people in press industry) or otherwise
use such confidential data, unless it is necessary and appropriate that both parties shall normally undertake an obligation to
make public, disclose or use such confidential data when being engaged in or carrying out the cooperative project work (including
the obligation to be undertaken by both parties by law or contract in future).

 

3. Party
A must strictly limit the use of confidential data to the extent that any representative of Party A needs to access such confidential
data for the purpose of this agreement.

 

4.
 Party A shall not duplicate or reproduce, or intentionally or unintentionally provide to others any confidential data disclosed
by Party B or any representative of Party B, except where necessary and with the written consent of Party B.

 

    	 

    	 

    

 

 

5.
If the cooperative project does not proceed, then Party A shall urge its representative to destroy or return to Party B all the
confidential data possessed or controlled by Party A and all documents or other materials containing or embodying confidential
data and all copies of such documents or materials within five (5) business days upon receiving written request of Party B at
any time. However, Party A may keep one copy of such documents or materials only for the purpose as described in Article 4 hereof
without violating this agreement or other terms.

 

6.
Party B shall make its representatives to take care of the confidential date using the same degree of care it would use for its
own information of equal importance, but in no event less than reasonable care.

 

Article
3 Intellectual property right

 

Any
disclosure of confidential data by Party B to Party A or any representative of Party A does not mean that Party B transfers or
grants the rights and interests of its trade secret, trademark, patent, technology secret or any other intellectual property to
Party A or any representative of Party A, nor does it mean that Party B transfers or grants to Party A or any representative of
Party A relevant rights and interests of any trade secret, trademark, patent, technology secret or any other intellectual property
which any third party permits Party B to use.

 

Article
4 Preservation and use of confidential data

 

1. Party
A has the right to preserve necessary confidential data so as to use such confidential data when fulfilling legal obligations
undertaken by it in the cooperative project work.

 

2. Without
the consent of Party B, Party A or any representative of Party A shall not use any confidential data to defend any claim, lawsuit,
judicial process or accusation, or reply to any subpoena, summons or other legal procedures, relating to any project or matter
hereunder.

 

Article
5 Dispute resolution and applicable law  

 

This
agreement is governed and interpreted in accordance with the laws of the People’s Republic of China. Both parties irrevocably
agree that any matter, dispute, lawsuit or legal procedure arising from or in connection with this agreement, or any right or
obligation of both parties hereunder shall be governed by courts in the People’s Republic of China.

 

Article
6 Term of agreement

 

1.
This contract becomes effect as from the date on which both parties sign and seal this agreement.

 

2.
This agreement is made in duplicate, and each party holds one copy and both of these copies have the same legal force.

 

 

	Party
    A (seal):  	 	Party
                                    B (seal): 

         

	Legal
    Representative 	 	Legal
    Representative
	(or
    authorized representative):  	 	(or
    authorized representative): 
	 	 	 
	Date:
    February 03, 2016	 	Date:
    February 03, 2016Supplemental
Agreement on the Cooperation Structure Agreement of Guarantee Company

 

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

 

Party
B: Inner Mongolia Jinfengyuan Financing Guarantee Co., Ltd. (hereinafter referred to as “Party B”)

 

Unless
otherwise stated, the terms and expressions used herein shall have the same meaning as those defined in the Cooperation Structure
Agreement (hereinafter referred to as “the Original Agreement”) signed by Benefactum Alliance Business Consultant
(Beijing) Co., Ltd. and Inner Mongolia Jinfengyuan Financing Guarantee Co., Ltd. on October 30, 2015.

 

Whereas:

 

This
Cooperation Structure Agreement is entered by and between Benefactum Alliance Business Consultant (Beijing) Co., Ltd. and Inner
Mongolia JINFENGYUAN Financing Guarantee Co., Ltd. on October 30, 2015. Based on the principle of mutual benefits, both parties
have entered into the following supplementary agreement on the matters not mentioned in such Cooperation Structure Agreement through
friendly negotiation.

 

Supplemental
contents are as follows:

 

1.
Through negotiation, both parties will cooperate in credit loan services, specifically, the services of transferring of creditors’
rights. Party A shall be responsible for evaluating and reviewing the transfer projects of creditor’s rights in credit financing
which are submitted by Party B and control relevant risks.

 

2.
In order to guarantee the interests of both parties and normal business operations, through negotiation, both parties agree that
Party B opens a corporate account (account number: _____________________________________________) in ___________________________________________________
(Bank Name) as the account owner, pays a basic guarantee deposit of ___________ RMB into such account in advance and deposits
10%~20% of the amount for each financing operation to the guarantee deposit; as the administrator of such account, Party A manages
such account together with Party B.

 

3.
During the cooperation, Party B shall not create any third-party charge, pledge or encumbrance over funds in such account, and
both parties have no right to withdraw or transfer funds in the account managed by both parties and must jointly operate such
account.

 

After
taking effect, this agreement becomes an integral part of the Cooperation Structure Agreement between Benefactum Alliance Business
Consultant (Beijing) Co., Ltd. and Inner Mongolia JINFENGYUAN Financing Guarantee Co., Ltd. and has the same legal force with
such Cooperation Structure Agreement.

 

    	 	 	 

    	 	 	 

    

 

5.
Except the terms supplemented herein, the remainder of the Original Agreement shall remain in full effect.

 

	 	Party
    A (official seal):	Party
    B (official seal):
	 	 	 
	 	Legal
representative/	Legal
    representative/
	 	 	 
	 	Authorized
person:	Authorized
    person:
	 	 	 
	 	Date:
February 23, 2016	Date:
    February 23, 2016Cooperation
Structure Agreement of Guarantee Company

 

Party
A: Inner Mongolia Jinfengyuan Financing Guarantee Co., Ltd.

 

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

 

Whereas:

 

1.
Benefactum Alliance Business Consultant (Beijing) Co., Ltd. is a legally established limited liability company which provides
the credit consulting, information consulting and intermediate services for investors and financiers, and it operates website
“www.huiyingdai.com” (hereinafter referred to as “the Website”) and own the right thereunder.

 

2.
As a legally established limited liability company with financing guarantee qualification, Inner Mongolia Jinfengyuan Financing
Guarantee Co., Ltd. intends to build a long-term strategic cooperation relationship with Party B in order to provide guarantee
services for loan customers on the Website managed by Party B.

 

In
order to solve the difficulties in financing of small and medium enterprises, support the development of small and medium enterprises
and individual industrial and commercial households, guarantee the safety of fund withdrawal on the part of investors and financiers
on the Website of Party B and remove and reduce financing risks, Party A and Party B have reached the following agreement on the
principle of equality, voluntariness and mutual benefit in accordance with relevant laws and regulations:

 

Article
1 Both parties voluntarily establish a strategic cooperation relationship and adhere to the business principles of legal operation,
standard management, service first, risk prevention, fairness and good faith, equity and free will.

 

Article
2 After Party B accepts the loan applications submitted by any individual or organization via the Website and delivers relevant
application materials to Party A with the consent of loan applicants, if Party A agrees to serve as a guarantor after reviewing
such materials, then Party A issue a written guarantee commitment letter to Party B.

 

Article
3 After both parties achieve the cooperation intention, Party A may evaluate and review the loan application projects on the
Website of Party B; if such financing projects pass the review process, Party A shall timely sign relevant contract with Party
B and a cooperative agency or loan applicant of Party B.

 

Article
4 During the review process at an earlier stage, both parties shall work closely with each other on the cooperative principle
of serving customers sincerely and improving work efficiency.

 

Article
5 During the monitoring process, both parties shall strengthen cooperation and gradually set up an information sharing mechanism
to maintain their legal rights and interests.

 

    	 

    	 

    

 

Article
6 If a financier and a cooperative agency fail to timely repay loans upon maturity of such loans, Party A shall bear the responsibility
for guarantee in accordance with the terms and conditions of loan guarantee contract (specific responsibilities are subject to
the provisions of loan guarantee contract).

 

Article
7 Both parties shall strictly keep trade secrets obtained during the cooperation confidential and not disclose such secrets
to any third party. 

 

Article
8 Other matters not contained herein shall be settled by both parties through friendly negotiation in accordance with specific
terms of contract signed by both parties, and relevant laws and regulations and the above-mentioned principles. In case of any
contradiction, specific terms of contract signed by both parties shall prevail.

 

Article
9 The term of this agreement is one (1) year. This agreement takes effect after being signed and sealed by the legal representatives
or authorized persons of both parties. This agreement is made in duplicate, one copy for each party respectively.

 

Party
A: Inner Mongolia JINFENGYUAN Financing Guarantee Co., Ltd.

Legal
representative or authorized person:

Address:

 

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

Legal
representative or authorized person:

Address:

 

Date:
October 30, 2015

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