Document:

Shanghai Nami Financial Consulting Co., Ltd.

 

and

 

 Benefactum Business Consultant (Beijing)
Co., Ltd.

 

Strategic Cooperation Agreement

 

Shanghai, China

 

April, 2016

 

    	 	 	 

    	 

    

 

Party A: Shanghai Nami Financial Consulting
Co., Ltd.

 

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

 

On the matters of Party
A recommending new users (hereinafter referred to as "recommended new user") to Party B’s Huiying Jinfu Service
Platform (hereinafter referred to as Huiying Jinfu, the general designation of Benefactum Alliance Business Consultant (Beijing)
Co., Ltd. and Huiying Jinfu (www.hyjf.com)), according to friendly negotiation, Party A and Party B reach the following cooperative
contents on April 1, 2016 in Changning District, Shanghai:

 

Chapter 1 Cooperative target and principle

 

Article 1 Party A and Party B agree
to establish full-round, long-term and stable cooperative relationship based on mutual trust, mutual support, close cooperation
and common development.

 

Article 2 During the term of cooperation,
both sides insist on the principles of equal consultation, honesty and trustworthiness, complementary advantages, resources sharing,
common development and respect for the user’s choice, so that providing convenient, high-quality and efficient information
consulting service.

 

Article 3 Both sides promise that the
non-public commercial information, customers, information and data related to the other side gained in the process of operation
shall be kept strictly confidential. If the operation is terminated, the cooperative side shall return related data and copies
to the other side when the other side requires taking back these data or destroying these data and copies as required by the other
side. Without other side’s permission, either side shall not disclose the above information, data as well as related contents
to the third party under the situation of without written authorization, except as otherwise stipulated by laws and regulations.

 

Article 4 Under the premise of meeting
the risk control measures of Huiying Jinfu, Party B agrees to give priority to meet the needs of new users which are recommended
by Party A. Party A agrees to give priority to recommend new users with good credits and related credit records. In case of Party
A needs to conduct similar business cooperation with similar institutions, Party A shall achieve Party B’s written consent
in advance.

 

Article 5 Party A and Party B agree
to jointly use controllable media and resources to advertise and promote the brand of cooperative products.

 

Chapter 2 Cooperative contents and service
charge

 

Article 6 Party A and Party B study,
update and implement service scheme and process which are suitable for the new users recommended by Party A in cooperation practice,
gradually achieving national pilot support, and using internal resources for effective promotion.

 

Article 7 The cooperation between Party
A and Party B includes but not limited to consulting service, the specific service products include traditional information consulting
service and network information consulting service.

 

Article 8 Party A will take its advantages
to recommend user resources with good quality, standard management and good operation to Party B. In case of successful investment,
Party B shall pay Party A corresponding service charge. Party A shall send last month’s service bill to Party B’s finance
department in a proper way in the first 10 days of each month, and the bill will be settled after it is checked by the finance
department. Specific settlement method and settlement process will be negotiated separately by Party A and Party B.

 

    	 	 	 

    	 

    

 

Article 9 In order to encourage Party
A to effectively develop works, after the agreement comes into force, Party B can prepay part of money to Party A in advance as
start-up capital of cooperative project. The start-up capital will be deducted accordingly from the service charge to be paid in
the later period to Party A by Party B.

 

Article 10 Party B will provide "Green
Investment Channel" for the users recommended by Party A, and such users are entitled to enjoy relatively exclusive and efficient
business handling and more flexible service process.

 

Article 11 Party B has rights to know
the information and credit information of Party A’s users.

 

Article 12 On account of Party A and
Party B will establish long-term and stable cooperative relationship, Party B will provide the consulting service of various information
for new users recommended by Party A. Whether Party B should provide service to the users and projects depends on the specific
contract and agreement separately signed by Party B and such users.

 

Article 13 Party A (include Party A
and its agents, employees) shall not use Huiying Jinfu’s name to do anything other than referring new uses, in the case that
Party A engages in matters that are not related to referring new users or other illegal conducts, Party A shall bear all legal
liabilities, and give compensation for the losses caused herein to Party B.

 

Article 14 In the process of Party A
(include Party A and its agents, employees) recommending proper new users to Party B, in the case of having any irregularity action
(including but not limited to engage in illegal fund-raising, lending money at usury and other irregularity actions), Party A shall
bear all legal liabilities, and give compensation for the losses caused herein to Party B.

 

Chapter 3 Cooperative mechanism

 

Article 15 Party A and Party B determine
respective contacts department and contacts, both sides shall communicate information timely, positively coordinate their cooperation.
During the term of cooperation of both sides, if the above contacts and contacts way are changed, the side who is changed shall
notify the other side in writing timely.

 

Article 16 Party A and Party B are responsible
for optimizing their respective service and process based on the actual situation of cooperation, and conducting timely promotion
and synchronous update as the highest priority cooperative project.

 

Article 17 Party A shall reinforce the
management work of its agents, employees or cooperative third party institutions, avoiding false promises and exaggerated advertisement
etc. problems.

 

Article 18 Party A and its agents, employees
shall not make up false users, collude users, use false contract, documents and others for the purpose of illegally obtaining Party
B’s service charge. In case of Party A and its agents, employees make up or use false recommended information, Party A shall
refund the service charge in double which has been paid by Party B.

 

    	 	 	 

    	 

    

 

Chapter 4 Other items

 

Article 19 Responsibility for breach
of agreement and settlement of disputes Once the agreement is signed, it has legal effect. If either side violates the stipulations
of the this agreement, it shall undertake the responsibility for breach of agreement to the other side. All disputes related to
this agreement will be settled by negotiation of both sides, if the negotiation is failed, either side can file a suit to the People’s
Court in the place where the agreement is signed for settlement.

 

Article 20 This agreement is the strategic
cooperation agreement signed by Party A and Party B. According to the progress of both sides’ cooperation, the agreement
can be changed or modified based on the actual situation, or be modified and improved in the form of complementary agreement/ special
agreement after consensus by both sides. If Party A’s branch company launches specific business cooperation with Party B,
a cooperation agreement shall be signed separately.

 

Article 21 This agreement is made out
in duplicate, with each side holding one copy respectively, which shall enter effect after being signed and sealed by both sides.

 

The term of validity of this agreement is three
years, valid from April 1, 2016 to March 31, 2019. If the term of agreement is expired, the contract will be terminated automatically,
both sides can renew it by signing a written agreement separately.

 

(No text below)

 

	
        Party A (seal)

         

        

        Shanghai Nami Financial Consulting Co., Ltd.

         
	
        Party B (seal):

         

        

        

Huizhong Business Consultant (Beijing) Co.,
        Ltd.

         

  

    	 	 

    	 

    

 

Supplementary Agreement

 

Party
A:Shanghai Nami
Financial Consulting Co., Ltd.

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

 

The Strategic Cooperative Agreement
signed in April 2016 is supplemented by both Parties with the following: 

 

I.
Party A shall make promotion of platform brands and services for “HuiYing Optimum Service”, a network platform(www.hyjf.com)
run by Party B. During the promotion, as far as the newly increased transaction amount which is generated on account of Party A’s
promotion of Party B’s platform is concerned, Party B shall pay the commission at the following ratios respectively:

 

	Subject type	 	Commission ratio
	1 month	 	0.42%
	2 months	 	0.82%
	3 months 	 	1.27%
	6 months	 	2.51%
	12 months	 	3.82%

 

Calculation
examples:

 

i. If Party A, for example, earns Party B amount
of 10 million as the subject of 1 month in July, the calculation formula should be 10,000,000.00*0.42%=42,000.00;

 

ii. If Party A, for example, earns Party B’s
promotion platform a newly increased transaction amount of 20 million as the subject of 2 months in July, the calculation formula
should be 20,000,000*0.82%=164,000.00;The calculation formula can be made in the same manner as to the other subjects.

 

II.
Promotion period:
from Apr. 1, 2016 to Mar. 31, 2017 

 

III.
There shall be a six-month period of probation for the commission ratio, afterwards both Parties shall determine a new commission
ratio of promotion. IV. Mode of payment:
the commission calculated by Party B according to “Term I” in this Supplementary Agreement shall be paid in the next
month by the week; For the first cooperative month the prepayment mode shall be adopted, 80 thousand per week shall be prepaid
as the promotion commission which would be come into an integrated accounting for “Term II” counted backwards to return
excess and supply little.

 

    	 	 

    	 

    

 

V.
Matter of invoice:Party
A shall issue VAT invoice to Party B according to the amount of payment which is required of Party B each time and Party B shall
implement the payment within 3 days after receiving the invoice; Party A shall issue a VAT invoice prior to Jul. 15, 2016 as to
the promotion commission generated during both Parties’ cooperation before this Supplementary Agreement is signed.

 

VI. This Agreement
is in duplicate, both Parties shall hold one respectively, all the other pending matters shall be settled otherwise.

 

	
        Party
        A:Shanghai Nami
        Financial Consulting Co., Ltd.

         

        

        Legal
        representative (Agent):

        Apr. 1, 2016
	
        Party
        B:Benefactum Alliance
        Business Consultant (Beijing) Co., Ltd.

         

        

        Legal
        representative (Agent):

        Apr. 1, 2016Contract
No.: [2016] -00055

 

Contract
of Advertising Release

 

Party
A: Shang Rao City Yi Lu Tong Limited Company

 

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

 

May
15, 2016

 

    	 

    	 

    

 

Party
A: Shang Rao City Yi Lu Tong Limited Company

Address:
304, Building A, No. 87 (Information Service Industrial Park), Zhimin Street, Xinzhou District, Shangrao, Jiangxi

Contact
person: Li Hui

Tel:
0571-87397586

Postal
code: 334000

 

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

Address:
19F, Yamai International Center, No.7, Middle Hong Kong Road, Shinan District, Qingdao

Contact
person: Yao Zhen

Tel.:
18660237666

Company
Fax:

Postal
code: 310051

 

Based
on the principle of fairness, justice, reciprocity and mutual benefit, through friendly negotiation, Party A and Party B voluntarily
enter into this contract concerning the relevant matters of advertising issuance on the union member website of Party A entrusted
by Party B after full negotiation so as to abide by and implement it.

 

The
contract concluded shall be listed below:

 

I.
Matters of Advertising Release Service

 

1.
Service content

 

(1)
Release form: Experience advertising

 

(2)
Term of contract: from May 20, 2016 to May 19, 2017

 

(3)
During the release period under this contract, if Party B has a newly-increased advertisement release item, it is only needed
to sign the “Attachment of Kuailezhuanwang Advertising Release Contract”; and there is no need to sign the text of
this contract again;

 

2.
Payment terms, details and ways of cooperation: please see the attached table “Attachment of Kuailezhuanwang Advertising
Release Contract”

 

3.
Before the starting date of release stipulated in this contract, Party B shall pay the current advertising expense by transfer
or other forms. Please see “Attachment of Kuailezhuanwang Advertising Release Contract” for the specific total amount.

 

4.
The information of receiving bank account of Party A shall be listed below:

 

Account
name: Shang Rao City Yi Lu Tong Limited Company

Opening
bank: Business Department of Shangrao Branch of China Merchants Bank

Account
No.: 793900061510803

 

II.
Legal Statement

 

Party
A and Party B shall declare and guarantee that from the day of signing and enforcement of this contract:

 

    	 

    	 

    

 

1.
Both parties shall be entitled to conduct the transaction under this contract and such transaction shall meet the provisions of
the scope of business;

 

2.
Both parties shall be entitled to conclude the contract with full power and carry out their respective obligations under this
contract;

 

3.
The authorized representative of each party has obtained full authorization and can sign this contract on behalf of each party;

 

4.
So far as each party knows, one party has disclosed all the documents which may have a great adverse impact on the performance
of the obligations under this contract issued by the registration place or the government of the place of business to the other
party;

 

5.
This contract shall come into effect as of the signing date of both parties.

 

6.
From the effective date, this contract is legally binding upon both parties.

 

7.
Each party shall guarantee that the signing and performance of the contract and the business transaction planned according to
this contract shall not be in violation of the law of China in any way.

 

III.
Obligations of Party A

 

1.
Party A shall be responsible for conducting the advertisement release management on the platform of Party A for Party B according
to the provisions of this contract.

 

2.
Party A shall be responsible for the management and supervision of the advertisement website.

 

3.
Party A shall guarantee that it shall provide consulting service for Party B in normal working hours (9: 00 to 17: 30) during
the period of on-line advertising putting.

 

4.
Party A shall keep the business secrets of Party B. After the termination of this contract, Party A shall also have an obligation
to keep the business technical intelligence and data of Party B confidential.

 

IV.
Obligations of Party B

 

1.
Party B shall settle and pay the advertising expenses in accordance with the provisions of this contract. If Party B fails to
pay the advertising expenses in time, Party A has the right to stop its advertisement and shall be entitled to pursue Party B’s
legal liability.

 

2.
Party B shall guarantee that it shall cooperate with Party A to carry out advertising pricing or conduct statistics of the relevant
technical changes and shall guarantee the normal running and stability of the website of Party B within the term of the contract.

 

    	 

    	 

    

 

3.
Party B shall guarantee the truthfulness and fairness of the data generated and registered by it or the turnover. The false data
shall not be returned.

 

4.
Party B has the obligation to provide Party A with the proof of real data or open the background for the inquiry of Party A.

 

5.
Party B cannot return the data in real time due to technical problems to Party A for inquiry, so the forms shall be returned subsequently
for the offering of inquiry. The data return period shall not exceed three working days. If is required to return again due to
the return error, the return cycle shall not exceed one working day (excluding the extension of the data return caused by the
force majeure).

 

6.
Party B shall ensure that the promotion of the Internet advertising content does not contain the following contents:

 

√
Reactionary, slanderous, pornographic, obscene, slander or other illegal contents stated by the law of China;

 

√
Violation of intellectual property rights or other rights of any third party (including but not limited to copyright,
patents, trademarks, trade secrets and technical secrets, etc.);

 

√
Violation of the public image or privacy of any third party;

 

√
Party B guarantees that the linked picture documents provided by Party B are in conformity with the provisions of the
advertising law;

 

√
The contents shall not be included other laws and regulations.

 

7.
Party B shall keep the confidential secrets of Party A. Without the permission of Party A, Party B shall not arbitrarily disclose
the cooperation contents of both parties and the contract terms to the third party. After the termination of this contract, Party
A shall also have an obligation to keep the business technical intelligence and data of Party B confidential.

 

V.
Confirmation of Advertising Expenses

 

1.
Both parties confirmed that the behavior data provided by the statistical platform of Party B shall prevail. And the data returned
shall not be corrected again.

 

2.
Party B shall pay the advance payment by bank transfer within three days before the release of the current advertisement. See
“Attachment of Kuailezhuanwang Advertising Release Contract” for the specific amount.

 

3.
Party A shall send the invoice to Party B within three working days after the receipt of the advance payment.

 

    	 

    	 

    

 

 

4.
All the advance payment for cooperation shall be the cost of all advertisement put on the platform of Party A by Party B. The
item is not put in separately for some specific advertisement.

 

VI.
Party A and Party B’s Liability for Breach of Contract

 

If
any party breaches the obligations stipulated in this contract, the other party shall promptly notify the party in breach, and
both parties shall settle it through friendly negotiation. If the defaulting party continues to default or refuses to perform
its obligations, in addition to the compensation obtained from the default party for all the losses caused therefrom, the non-breaching
party shall be entitled to terminate this contract in advance.

 

1.
If one party fails to perform the obligations according to the provisions of the contract, the party in breach shall pay the liquidated
damages for its delay in performance every day to the observant party according to 0.3 percent of the contract amount from the
date of default.

 

2.
If Party B fails to return the data to Party A within the time limit stipulated in this contract, Party A shall have the right
to suspend Party B’s advertisement to Party B to complete the data return after two working days.

 

3.
If Party B fails to release advertisement of Party A in the short term due to attacks, earthquakes, fires, wars and other unexpected
factors suffered on the server, Party B shall notify Party A about it within 24 hours of the accident, and after returned to normal,
the release term shall be extended unconditionally.

 

4.
Both parties are at fault, which shall be based on the actual fault of the parties, and both parties shall bear the responsibility
of default respectively.

 

VII.
Termination of Contract

 

If
any of the following circumstances occurs, the contract may be terminated.

 

1.
In terms one to six provided in the event of termination, the other party may terminate this contract voluntarily;

 

2.
If Party A fails to release advertisement for Party B timely due to force majeure. If this situation continues for more than 30
days, either party shall be entitled to give a written notice of the termination of the contract;

 

3.
In which either Party A and Party B declares bankruptcy or enters into liquidation or dissolution procedures;

 

4.
Termination stipulated by other laws and regulations;

 

5.
The termination of this contract does not affect the settlement and payment obligations under this contract.

 

    	 

    	 

    

 

VIII.
Disputes and Settlement Agreement

 

1.
Disputes arising from the interpretation and execution of this contract shall be settled through friendly negotiation or mediation
by a neutral third party.

 

2.
If the dispute cannot be settled or negotiated by agreement, either party may submit the relevant dispute to the people’s
court where Party B is located for proceeding resolution.

 

IX.
Miscellaneous

 

This
contract shall enter into force from the date on which the two parties sign and seal (both written form and electronic scanning
form shall be valid). For the data released by both parties, the payment amount shall be subject to the provisions of the schedule
to the contract. At the same time, both parties shall keep all of the contents of the contract confidential. Without the consent
of the other party, one party shall not disclose any form of this contract to any third party; if the leak case is found, both
parties have the responsibility to pursue their legal liability.

 

---No
text below---

 

	Party A:Shang Rao City Yi
    Lu Tong Limited Company	 	Party B: Benefactum Alliance Business Consultant
    (Beijing) Co., Ltd.
	Authorized representative: Li Hui	 	Authorized representative: Yao Zhen
	Tel: 15024425048	 	Tel: 18660237666
	(Seal of organization)	 	(Seal of organization)
	Date of signing: May 15, 2016	 	Date of signing: May 15, 2016

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