Document:

Exhibit
10.2

 

To
Prosperity Technology Inc

 

___________,
20__

 

________________

________________

________________

 

Re:
Independent Director Offer Letter

 

Dear
___________:

 

To
Prosperity Technology Inc, a Cayman Islands exempted company (the “Company”, “we”, “us” or
similar terminology), is pleased to offer you positions as a member of its Board of Directors (the “Board”) [and as
[member/Chairperson] of the _____________ Committee of the Board (the “Committee”)]. We believe your background and
experience will be a significant asset to the Company and we look forward to your participation on the Board [and the Committee].
Should you choose to accept the positions as a member of the Board [and ____________ of the Committee], this letter agreement
(the “Agreement”) shall constitute an agreement between you and the Company and contains all the terms and conditions
relating to the services you agree to provide to the Company.

 

1. Term. This
Agreement is effective as of the date hereof. Your term as independent director of the Board [and member of the Committee] shall
continue subject to the Company’s memorandum and articles of association (as amended and/or restated from time to time)
and the provisions in Section 9 below, until your successor is duly appointed and qualified. You shall stand for re-appointment
to the Board each year at the annual shareholder’s meeting and upon re-appointment, the terms and provisions of this Agreement
shall remain in full force and effect.

 

2. Services. You
shall render services as a member of the Board; [and as the ___________ of the Committee] (hereinafter, your “Duties”).
The Duties shall include those customary for a board member [and ______ committee chairman/member] of a Nasdaq-listed public company.
During the term of this Agreement, you shall adhere to all applicable fiduciary duties and other laws, rules and regulations,
and shall attend and participate in such number of meetings of the Board [and of the Committee] as regularly or specially called.
You may attend and participate at each such meeting, via teleconference, video conference or in person. You shall consult with
the other members of the Board [and the Committee] (and the Company’s officers, as needed) regularly and as necessary via
telephone, electronic mail or other forms of correspondence.

 

3. Services
for Others. You shall be free to represent or perform services for other persons during the term of this Agreement.  You
agree, however, that you do not presently perform and do not intend to perform, during the term of this Agreement, similar Duties,
consulting, or other services for companies whose businesses are or would be, in any way, competitive with the Company (except
for companies previously disclosed by you to the Company in writing). Should you propose to perform similar Duties, consulting,
or other services for any such company, you agree to notify the Company in writing in advance (specifying the name of the organization
for whom you propose to perform such services) and to provide information to the Company sufficient to allow it to determine if
the performance of such services would conflict with areas of interest to the Company.

 

4. Compensation.  Commencing
on the effective date of your appointment, you shall receive cash compensation of US $_________ for each calendar year of service
under this Agreement on a pro-rated basis, payable in arrears every ________. Notwithstanding the foregoing to the contrary,
all fees are subject to approval and/or change as deemed appropriate by the Board of Directors. You shall be reimbursed for reasonable
expenses documented and incurred by you in connection with the performance of your Duties (including travel expenses for meetings
you attend in-person).

  

5. D&O
Insurance Policy. During the term under this Agreement, the Company shall include you as an insured under its officers
and directors insurance policy, if any.

  

    1

     

    

 

6. No
Assignment. Because of the personal nature of the services to be rendered by you, this Agreement may not be assigned
by you without the prior written consent of the Company.

 

7. Confidential
Information; Non-Disclosure. In consideration of your access to certain Confidential Information (as defined below)
of the Company, in connection with your business relationship with the Company, you hereby represent and agree as follows:

 

a. Definition. For
purposes of this Agreement the term “Confidential Information” means: (i) any information which the Company possesses
that has been created, discovered or developed by or for the Company, and which has or could have commercial value or utility
in the business in which the Company is engaged; (ii) any information which is related to the business of the Company and is generally
not known by non-Company personnel; and (iii) Confidential Information includes, without limitation, trade secrets and any information
concerning products, processes, formulas, designs, inventions (whether or not patentable or registrable under copyright or similar
laws, and whether or not reduced to practice), discoveries, concepts, ideas, improvements, techniques, methods, research, development
and test results, specifications, data, know-how, software, formats, marketing plans, and analyses, business plans and analyses,
strategies, forecasts, customer and supplier identities, characteristics and agreements.

 

b. Exclusions. Notwithstanding
the foregoing, the term Confidential Information shall not include: (i) any information which becomes generally available or is
readily available to the public other than as a result of a breach of the confidentiality provisions of this Agreement, or any
other agreement requiring confidentiality between the Company and you; (ii) information received from a third party in rightful
possession of such information who is not restricted from disclosing such information; (iii) information known by you prior to
receipt of such information from the Company, which prior knowledge can be documented and (iv) information you are required to
disclose pursuant to any applicable law, regulation, judicial or administrative order or decree, or request by other regulatory
organization having authority pursuant to the law; provided, however, that you shall first have given prior written notice to
the Company and made a reasonable effort to obtain a protective order requiring that the Confidential Information not be disclosed.

 

c. Documents. You
agree that, without the express written consent of the Company, you will not remove from the Company’s premises, any notes,
formulas, programs, data, records, machines or any other documents or items which in any manner contain or constitute Confidential
Information, nor will you make reproductions or copies of same.  You shall promptly return any such documents or items,
along with any reproductions or copies to the Company upon the Company’s demand, upon termination of this Agreement, or
upon your termination or Resignation (as defined in Section 9 herein).

  

d. Confidentiality. You
agree that you will hold in trust and confidence all Confidential Information and will not disclose to others, directly or indirectly,
any Confidential Information or anything relating to such information without the prior written consent of the Company, except
as may be necessary in the course of your business relationship with the Company.  You further agree that you will not
use any Confidential Information without the prior written consent of the Company, except as may be necessary in the course of
your business relationship with the Company, and that the provisions of this paragraph (d) shall survive termination of this Agreement.
Notwithstanding the foregoing, you may disclose Confidential Information to your legal counsel and accounting advisors who have
a need to know such information for accounting or tax purposes and who agree to be bound by the provisions of this paragraph (d).

 

e. Ownership. You
agree that the Company shall own all right, title and interest (including patent rights, copyrights, trade secret rights, mask
work rights, trademark rights, and all other intellectual and industrial property rights of any sort throughout the world) relating
to any and all inventions (whether or not patentable), works of authorship, mask works, designations, designs, know-how, ideas
and information made or conceived or reduced to practice, in whole or in part, by you during the term of this Agreement and that
arise out of your Duties (collectively, “Inventions”) and you will promptly disclose and provide all Inventions to
the Company. You agree to assist the Company, at its expense, to further evidence, record and perfect such assignments, and to
perfect, obtain, maintain, enforce, and defend any rights assigned.

  

    2

     

    

 

8.  Non-Solicitation. During
the term of your appointment, you shall not solicit for employment any employee of the Company with whom you have had contact
due to your appointment.

 

9.  Termination
and Resignation. Your membership on the Board [and on the Committee] may be terminated in accordance with the provisions
of the memorandum and articles of the Company as amended from time to time. You may also terminate your membership on the Board
[or on the Committee] for any or no reason by delivering your written notice of resignation to the Company (“Resignation”),
and such Resignation shall be effective upon the time specified therein or, if no time is specified, upon receipt of the notice
of resignation by the Company. Upon the effective date of the termination or Resignation, your right to compensation hereunder
will terminate subject to the Company’s obligations to pay you any compensation that you have already earned and to reimburse
you for approved expenses already incurred in connection with your performance of your Duties as of the effective date of such
termination or Resignation.

 

10. Governing
Law; Arbitration. All questions with respect to the construction and/or enforcement of this Agreement, and the rights
and obligations of the parties hereunder, shall be determined in accordance with the law of the State of New York applicable to
agreements made and to be performed entirely in the State of New York. All disputes with respect to this Agreement, including
the existence, validity, interpretation, performance, breach or termination thereof or any dispute regarding non-contractual obligations
arising out of or relating to it shall be referred to and finally resolved by arbitration administered by the Hong Kong International
Arbitration Centre (“HKIAC”) under the HKIAC Administered Arbitration Rules in force when the Notice of Arbitration
is submitted. The law of this arbitration clause shall be New York law. The seat of arbitration shall be in Hong Kong. The number
of arbitrators shall be one. The arbitration proceedings shall be conducted in Chinese.

 

11. Entire
Agreement; Amendment; Waiver; Counterparts. This Agreement expresses the entire understanding with respect to the
subject matter hereof and supersedes and terminates any prior oral or written agreements with respect to the subject matter hereof.  Any
term of this Agreement may be amended and observance of any term of this Agreement may be waived only with the written consent
of the parties hereto.  Waiver of any term or condition of this Agreement by any party shall not be construed as a waiver
of any subsequent breach or failure of the same term or condition or waiver of any other term or condition of this Agreement.  The
failure of any party at any time to require performance by any other party of any provision of this Agreement shall not affect
the right of any such party to require future performance of such provision or any other provision of this Agreement.  This
Agreement may be executed in separate counterparts each of which will be an original and all of which taken together will constitute
one and the same agreement, and may be executed using facsimiles of signatures, and a facsimile of a signature shall be deemed
to be the same, and equally enforceable, as an original of such signature.

 

12. Indemnification.
The Company shall, to the maximum extent provided under applicable law, indemnify and hold you harmless from and against any expenses,
including reasonable attorney’s fees, judgments, fines, settlements and other legally permissible amounts (“Losses”),
incurred in connection with any proceeding arising out of, or related to, your performance of your Duties, other than any such
Losses incurred as a result of your fraud, willful default, gross negligence or willful misconduct.  The Company shall
advance to you any expenses, including reasonable attorneys’ fees and costs of settlement, incurred in defending any such
proceeding to the maximum extent permitted by applicable law.  Such costs and expenses incurred by you in defense of
any such proceeding shall be paid by the Company in advance of the final disposition of such proceeding promptly upon receipt
by the Company of (a) written request for payment; (b) appropriate documentation evidencing the incurrence, amount and nature
of the costs and expenses for which payment is being sought; and (c) an undertaking adequate under applicable law made by or on
your behalf to repay the amounts so advanced if it shall ultimately be determined pursuant to any non-appealable judgment or settlement
that you are not entitled to be indemnified by the Company.

 

13. Not
an Employment Agreement. This Agreement is not an employment agreement, and shall not be construed or interpreted
to create any right for you to be employed by the Company.

 

14. Acknowledgement. You
accept this Agreement subject to all the terms and provisions of this Agreement. You agree to accept as binding, conclusive, and
final all decisions or interpretations of the Board of any questions arising under this Agreement.

 

[Signature
Page Follows] 

  

    3

     

    

 

The
Agreement has been executed and delivered by the undersigned and is made effective as of the date set first set forth above. 

 

	 	Sincerely,
	 	 
	 	TO
    PROSPERITY TECHNOLOGY INC
	 	 	 
	 	By:	 
	 	 	Name:
	 	 	Title:

 

	AGREED
    AND ACCEPTED:	 
	 	 
	 	 
	[Name]	 

 

 

4Exhibit
10.3

 

Letter
of Authorization

 

We
hereby authorize Panzhihua City Commercial Bank Co., Ltd. Huayang Sub-branch to deal with the online lending fund depository business
on behalf of our bank. The authorization includes but is not limited to signing relevant business contracts and agreements, collecting
relevant fees, performing due diligence on business, conducting access audit and opening relevant accounts for deposit management
clients on behalf of Panzhihua City Commercial Bank Co., Ltd. The authorization is valid for three years.

 

Panzhihua
City Commercial Bank Co., Ltd.

 

Signature
of Legal Representative (Authorized Representative): /s/ Li Yuhui

 

/s/
Jiang Xiaohui

 

May
17, 2017

 

 

Seal:
Panzhihua City Commercial Bank Co., Ltd.

 

    

     

    

 

Online
Lending Fund Depository Cooperation Service Agreement

 

Party
A: Sichuan Zhongbei Technology Co., Ltd.

 

Address:
W2-1735, Global Center, Chengdu, Shichuan

 

Tel:
028-65279298

 

Post
Code: 610000

 

 

Party
B: Panzhihua City Commercial Bank Co., Ltd. Chengdu Tianfu New Area Sub-branch

 

Address:
No. 186, Zhengdong Middle Street, Huayang, Chengdu

 

Tel:
028-62566503

 

Post
Code: 610000

 

As
a legally established and validly existing online lending platform, Party A provides investors and financiers with services such
as information gathering, information disclosure, credit evaluation, information exchange and loan matching.

 

Party
B is a banking financial institution legally established and valid existing by virtue of the approval by the China Banking Regulatory
Commission.

 

In
order to protect the safety and integrity of client funds, safeguard the legitimate rights and interests of clients and promote
the common development of both parties, according to the Contract Law of the People's Republic of China, the Guiding
Opinions on Promoting the Healthy Development of Internet Finance, the Interim Measures for the Administration of the Business
Activities of Online Lending Information Intermediary Institutions, the Guidelines for the Online Lending Fund Depository
Business and other laws and administrative regulations, Party A and Party B, on the principles of legality, fairness, integrity,
equality and voluntariness, through full negotiation, have reached the following agreements and promise to strictly abide by the
provisions of this Agreement and fulfill their respective obligations hereunder.

 

Article
1 Interpretation

 

(I)
Online Trading Platform Fund Depository System (hereinafter referred to as “Fund Depository System”): It is
a system developed by Party B for online lending transaction fund depository business, with main functions including account opening,
card binding/unbinding, inquiry, recharging, transfer, withdrawal, clearing reconciliation, and fund depository business.

 

    1

     

    

 

(II)
Party A’s Platform Client (hereinafter referred to as “Party A’s Client”): It refers to the individual
or organization that registers on the online trading platform operated by Party A and opens a client transaction account on Party
A’s platform.

 

(III)
Client Transaction Account: It refers to the account specifically for transaction purposes opened by Party A’s Client with
Party A, which corresponds to the client transaction settlement fund management account opened with Party B’s Fund Depository
System. Party B uses this account for transaction control, clearing and settlement, interest payment, etc. The specific interest
payment issue is subject to an agreement between Party A’s Client and Party A. Party B does not assume any responsibility
for this.

 

(IV)
Client Transaction Settlement Fund Management Account: It refers to the sub-account opened by Party B for Party A’s Client
with the Fund Depository System to manage the funds of Party A’s Client for the online lending transaction settlement. Client
transaction settlement fund management account records the change details of the online lending transaction settlement funds of
the client and is bound to the bank settlement account registered by the client with Party B and the transaction account opened
by it with Party A.

 

(V)
Account Opening: It refers to that Party B opens a transaction settlement fund management account for Party A's Client with the
Fund Depository System after Party A's Client enters into the Tripartite Agreement on Deposit of Online Transaction Funds with
Party A and Party B via Party A’s service channel.

 

(VI)
Card Binding: It refers to that Party A's Client establishes a binding relationship with its client transaction settlement fund
management account and its bank settlement account held with Party A via the service channel provided by Party A, after which
recharging and withdrawal can be achieved through the bank settlement account.

 

(VII)
Recharging: It refers to that Party A’s Client transfers funds to its client transaction settlement fund management account
under the deposit account opened by Party A with Party B’s Fund Depository System.

 

(VIII)
Transfer: It refers to that funds, after the successful investment transaction, are transferred from the client transaction settlement
fund management account held by Party A's Client (for example, as an investor) to the client transaction settlement fund management
account held by the financier or that funds, in time of repayment, are transferred from the client transaction settlement fund
management account held by Party A's Client (for example, as a payer) to the client transaction settlement fund management account
held by the investor.

 

(IX)
Withdrawal: It refers to that Party A’s Client transfers funds from the client transaction settlement fund management account
back to the bound bank settlement account.

 

(X)
Platform Transaction Amount: It refers to that the accumulated loan amount successfully raised and issued by the platform within
a certain period of time.

 

    2

     

    

 

Article
2 Content of Cooperation

 

(I)
Party A is responsible for the construction and operation of its own platform and provides intermediary services such as loan
information exchange, matching and credit evaluation for Party A’s Client. Party A entrusts Party B to provide fund depository
services for it.

 

(II)
Party B provides the online platform Fund Depository System for Party A and renders Party A's Client with such payment channel
services as fund depository management, client identity verification, authenticity verification of client fund transfer instructions
and fund depository account recharging and withdrawal.

 

(III)
Both Party A and Party B are responsible for the safety, effectiveness, timeliness and accuracy of their respective systems.

 

Article
3 Business Process

 

(I)
Account Opening:

 

1.
Client transaction settlement fund management account: Party A's Client is registered as the user of the loan client system through
Party A's online lending platform system, and at the same time, after the verification of client identity authenticity and the
bank settlement account is completed, opens a client transaction settlement fund management account with Party B’s Fund
Depository System, with the password kept. Party A’s Client shall abide by the operation rules determined by Party B for
the client transaction settlement fund management account and cooperate with Party B to complete client identification and other
related verification.

 

2.
Fund Depository Account Opening: Party A opens a settlement account according to Party B's regulatory business rules at the business
organization designated by Party B.

 

(II)
Fund Deposit and Withdrawal

 

Party
A's Client initiates a recharging instruction through Party A’s platform, with the balance in the client's own bank settlement
account reduced and that in the fund depository account balance increased. The increase of the corresponding recharged amount
is registered in Party A’s online fund lending platform system and Party B’s Fund Depository System.

 

Party
A’s Client initiates a withdrawal instruction through Party A’s platform, and Party B receives the instruction and
verifies the identity of the Party A’s Client by means of password verification. After the verification is passed, Party
B transfers the corresponding funds from the fund depository account to the bank settlement account bound by Party A's Client,
with the balance in the fund depository account reduced and that in the client bank settlement account increases. The deduction
amount of the corresponding client is registered in Party B’s Fund Depository System.

 

    3

     

    

 

The
business processes involved in fund deposit and withdrawal such as fund transfer, fund clearing, reconciliation and error handling,
and the corresponding rights and obligations are subject to a separate agreement by Party A and Party B with the third-party payment
institution that provides the payment channel.

 

(III)
Investment Target Transaction Management

 

Party
A’s Client’s instructions for the lending target on Party A’s platform are provided by Party A to Party B, and
Party B checks and registers such instructions in the Fund Depository System.

 

Article
4 Rights and Obligations

 

(I)
Rights and Obligations of Party A

 

1.
Party A shall strictly abide by the national laws, administrative regulations and the regulations of relevant authorities, be
qualified for engaging in relevant business, and handle the corresponding administrative license or filing in accordance with
the law.

 

2.
Party A shall provide Party A’s Client with services in accordance with the requirements of the Interim Measures for
the Administration of the Business Activities of Online Lending Information Intermediary Institutions and the Guidelines
for the Online Lending Fund Depository Business and bear corresponding responsibilities according to the relevant requirements
of the management measures.

 

3.
Party A shall furnish Party B with the authentic corporate qualification documents, brand introduction information, business description
and relevant legal certificates and authorize Party B to investigate and verify Party A’s credit status based on the needs
of business management. Party A shall bear all the consequences arising from false, inaccurate and untrue data. Party A shall
notify Party B in writing and present Party B relevant proof in accordance with Party B's requirements when Party A's business
information changes may affect the content of the trilateral cooperation, including but not limited to the entity, Party A’s
company name, legal representative, and business liaison.

 

4.
Party A shall be responsible for the daily operation and maintenance of the online fund lending platform and ensure that the connection
is established with Party B according to the technical standards such as interface standards and data formats agreed by both parties.

 

5.
Party A shall ensure that the online fund lending platform’s business is legal. Party A shall be solely liable for client
disputes such as complaints arising from the website violating national laws and regulations, false or inaccurate legal information
as well as the losses caused to Party B.

 

6.
Party A shall ensure that the instructions sent to Party B’s system are consistent with the client's submission and be responsible
for the timeliness, security and confidentiality of the information transmission process. Party A (including the employees of
Party A, its partner organizations, associated parties and the employees thereof; the same below) shall not collect, intercept
or embezzle the client’s bank account and password information by illegal means and methods and shall not submit any transaction
instruction on behalf of the client without the authorization thereof. Party A shall be solely responsible for any client complaints,
legal liabilities, economic losses, etc. caused by the instruction that is sent by Party A without the authorization of the client
or is not inconsistent with the client’s submission or is wrong.

 

    4

     

    

 

7.
Party A may charge Party A’s Client for the service fee. Party B completes the operation according to Party A’s Client
payment order. The service fee between Party A and Party A’s Client is completely resolved by Party A. Party B does not
assume any responsibility therefor.

 

8.
During the cooperation period, Party A may not transfer the technical interfaces, security protocols and certificates provided
by Party B to any other third party without the permission of Party B. After the termination of cooperation between the two parties,
Party A shall promptly destroy all technical documents provided by Party B and shall not use them or transfer them to any other
third parties without authorization.

 

9.
Party A shall properly keep its own management account and password, and Party A shall be liable for all losses caused by its
own improper keeping and use of the account number and the password.

 

10.
In the event of a suspicious risk transaction or suspected risk hazard, Party A, as requested by Party B, shall provide or assist
Party B in providing the information on Party A’s Client to the judiciary and other authorities.

 

11.
Party B, in accordance with laws, administrative regulations and the requirements of competent authorities, shall cooperate with
Party A’s data acquisition demand and provide client transaction flow. Party B shall not provide personal information concerning
the client ID card and the bank card without the investigation or approval by the competent authority.

 

12.
When opening a fund depository account with Party B's relevant business institutions, Party A shall provide a valid seal impression
pursuant to Party B's regulatory business rules.

 

13.
Party A shall not use externally such misleading content such as “bank guarantee” or “whole-process fund regulation”.
Party A may not use Party B’s corporate logo on its website and related communication materials without the permission of
Party B. If Party A fails to comply with the foregoing requirements, Party A must immediately remove the corresponding promotional
content and bear the material and reputational damage caused to Party B.

 

14.
Where Party A has any change that may affect the normal operation of Party B’s fund depository services, like name change,
changes in the registration information of legal representative, business change, business address change, website change or termination,
and website revision or upgrade. Party A shall notify, in a written form with the official seal, Party B at least 5 days in advance.
A failure to do so will be considered as a breach of contract, in which case Party B has the right to suspend the relevant services
once knowing the said changes. Party A shall be solely responsible for any loss caused by Party A's failure to notify Party B
in time.

 

    5

     

    

 

15.
Party A must perform investment risk warning and education to users and fully state that Party B does not assume any responsibility
for investment risks. All disputes arising from investment risks shall be borne and resolved by Party A. Party B shall not bear
the relevant responsibilities.

 

16.
Party A shall ensure that, during the system access, it can well cooperate with all work within the specified time limit pursuant
to the requirements of Party B. Party A shall be solely responsible for Party A's Client complaints, legal liabilities and economic
losses arising from its failure to follow Party B’s requirements and time nodes to complete system access.

 

(II)
Rights and Obligations of Party B

 

1.
Party B opens a fund depository account for Party A.

 

2.
Party B conducts legal information collection and identity authentication of Party A’s Client. Party B has the right to
request Party A to assist Party B in completing the identity authentication of Party A’s Client.

 

3.
Party B is responsible for the construction, operation and maintenance of the online transaction platform Fund Depository System
and for the security, confidentiality and accuracy in the information processing of its account system in accordance with laws,
regulations and banking regulatory requirements.

 

4.
Party B completes the operation according to the instructions sent by Party A and Party A's Client, but Party B has the right
to verify the payment instructions from Party A and Party A's Client in one or more ways, like real-name verification, password
verification, bank card verification and order matching, at different stages. Party B has the right to refuse to perform the operation
of the instructions failing to pass the verification.

 

5.
Party B has the right to conduct on-site inspection and website inspection on Party A according to the needs of risk control.
The content of inspection includes, but is not limited to, whether the actual business location is true, whether the legal representative
is true, whether the risk control management system is perfect, the situation of the independent risk control department, the
degree of website transaction content matching the background data. Party A shall actively cooperate with Party B’s work
and Party B has the right to take relevant measures according to the inspection result.

 

6.
Party B does not assume any responsibility for the operational risks and investment risks of Party A. It does not assume any guarantee
responsibility for the investor and is not liable for any default loss caused by the financier.

 

7.
Party B issues a depository report to Party A on a scheduled basis (monthly).

 

    6

     

    

 

8,
Party B collects interest on Party A’s fund depository account at the national legal rate of interest. The interest is credited
to Party A's fund depository account opened by Party A with Party B on the expiry date for interest.

 

9.
Party B is not responsible for reviewing the authenticity, legality and compliance of Party A’s platform project.

 

10.
Party B is not liable for the transaction delays or transaction failures caused by the technical problems of the PBOC trading
system, the trading system of the bank card clearing house, or other faults not attributed to Party B.

 

11.
If the balance of Party A’s fund depository account is insufficient, Party B reserves the right not to perform the transaction
instructions in the event of such insufficient balance. Party B is not liable for the loss therefrom.

 

12.
Party B shall perform the obligation of anti-money laundering regulation on the depository funds in accordance with the relevant
regulations. Party A shall perform and cooperate with Party B to perform this obligation.

 

13.
According to regulatory requirements, Party B can provide Party A’s related transaction information for government regulatory
authorities for verification when necessary.

 

Article
5 Brand Management

 

Party
A shall not use Party B’s brand and the cooperative business under this Agreement to make false, exaggerated or misleading
advertisements. Without the permission of Party B, Party A shall not authorize other third parties to use Party B’s brand
logo. It shall be the sole responsibility of Party A to bear the legal liabilities and economic losses arising from Party A’s
improper use of Party B’s brand. Party B has the right to request rectification or cancel the authorization and hold Party
A legally liable if Party B's brand image is damaged due to Party A’s fault.

 

Article
6 Fees and Margin

 

Party
B charges Party A the following fees according to the following criteria:

 

1.
Party B charges a system access fee of RMB 100,000. If the cooperation is terminated, Party B will not refund the system
access fee charged.

 

2.
Party A estimates that its transaction amount via Party B’s platform during the cooperation period is about RMB 300 million.
Party B charges a depository service fee of RMB 100,000/year according to Party A’s estimate. If Party A’s
transaction amount via the platform is about to exceed RMB 300 million during the cooperation period, the depository service
fee shall be prepaid as per 0.05% of the estimated excess amount before the excess. If insufficient balance of the depository
service fee results in the arrearage, Party B shall have the right to stop Party A's each business during the arrearage period.
If the cooperation is terminated, Party B will not refund the depository service fee collected.

 

    7

     

    

 

3.
Party B collects a system maintenance fee of RMB 100,000 /year.

 

4.
Where Party B unilaterally terminates the partnership in the absence of major violations by Party A, Party B shall refund the
relevant fees prepaid by Party A.

 

5.
Where Party B fails to complete the access within three months after receiving the first payment, Party A and Party B shall bear
the loss according to their own responsibilities. Where such failure is due to Party A’s fault, Party B will not refund
the pre-paid fees; Where such failure is due to Party B’s fault, Party B shall refund the pre-paid fees to Party A; Party
B shall refund 60% of fees prepaid by Party A where Party B is unable to provide services due to policy reasons.

 

Article
7 Fee Settlement and Payment Method

 

1.
Before both parties start the system access cooperation, Party A shall credit RMB _/_ into the margin account as the margin for
the system access cooperation. After the transition period ends, Party B will return the margin. In the process of system access,
where the cooperation is terminated due to Party A’s reason, the margin will not be refunded.

 

2.
Party A shall pay the system access fee and the annual system maintenance fee within five working days after signing and stamping
by the parties.

 

3.
Party B collects the fund depository service fee: Party A shall pay Party B the fund depository service fee for the first year
within 10 days after the project is officially launched. The payment cycle shall be calculated from the date of the first
payment. The next year's fund depository service fee should be paid before the start of the next payment cycle.

 

Article
8 Intellectual Property Rights

 

Either
party has all rights related to the content of its own network services, including but not limited to texts, software, sounds,
pictures, videos, graphics, advertisements, and emails, all of which are subject to the legal protection in terms of copyrights,
trademark rights, intellectual property rights and property rights.

 

Article
9 Obligation of Confidentiality

 

During
the performance of this Agreement, Party A and Party B shall be obliged to keep confidential the business and technical secrets
of any party that they are aware of. No party may disclose the obtained business and technical secrets of the other party to any
third party or use them for improper purposes. The confidentiality obligations of either party continue to exist after the termination,
alteration or dissolution of this Agreement until the business and technical secrets of the two parties become public for their
own reasons.

 

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Article
10 Risk Warning

 

(I)
Party B provides fund depository services for Party A and does not involve Party A's business practice. Party B does not assume
any legal liability regarding fee collection, loan defaults and other disputes between Party A and Party A’s Client.

 

(II)
Party B does not assume any responsibility for the investment risk of Party A’s platform and any guarantee responsibility
for the investor, and is not liable for the loss arising from the default by the financier.

 

(III)
Either party shall ensure that its commercial activities will not cause any economic or reputational losses to the other party.
If any party has difficulties in cash flow, a shutdown due to illegal business operation, a criminal offence of illegal fund-raising,
etc., it will bear all the consequences of the aforementioned risks independently.

 

(IV)
After the signing of this Agreement, both parties shall actively cooperate with each other to do a good job in system access.
If the systems fail to be successfully accessed within 3 months from the date of signing this Agreement, both Party A and Party
B shall have the right to terminate the cooperation, and each party shall bear their own losses solely, including but not limited
to development costs, due diligence fees and direct or indirect losses.

 

Article
11 Force Majeure

 

(I)
“Force Majeure” means an objective situation that occurs after the signing of this Agreement and cannot be foreseen,
avoided and overcome by the affected party. The party suspending the service shall not be liable for the service suspension due
to such force majeure as the system upgrade or failure of the telecommunications and banking departments or the unintentional
or non-negligent default by a party.

 

(II)
A party that cannot perform or cannot fully perform this Agreement due to force majeure may be partially or totally excused from
performing its duties hereunder. After the occurrence of force majeure, both parties shall immediately negotiate on whether to
continue to perform or terminate this Agreement.

 

Article
12 Waiver and Subsequent Legislation

 

(I)
Any party’s failure to exercise its right or to take action against the other party's breach shall not be considered as
a waiver of such right.

 

(II)
Where there is any disparity between the country's subsequent legislation or the change in laws and regulatory regulations and
this Agreement, either party may propose to amend or supplement this Agreement in accordance with the subsequent legislation or
legal provisions, in which case the parties shall negotiate the follow-up cooperation matters and sign a supplementary agreement.

 

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Article
13 Dispute Resolution and Governing Law

 

Both
Party A and Party B shall resolve the dispute arising from or in connection with this Agreement in a timely manner. If the negotiation
fails, any party may file a lawsuit with the People's court in the place where Party B is located.

 

The
conclusion, entry into force, change, performance, dissolution, termination and interpretation of this Agreement and all matters
arising therefrom shall be governed by the laws and administrative regulations of the People's Republic of China.

 

Article
14 Term and Termination

 

(I)
This Agreement is valid from November 16, 2017 to November 15, 2018. If the parties fail to reach a consensus on the renewal of
this Agreement and sign the relevant agreement within one month prior to the expiration of this agreement, this Agreement will
naturally terminate upon expiration.

 

(II)
In the following circumstances, the observant party may terminate this Agreement immediately after serving a written notice to
the defaulting party:

 

1.
A party is in violation of this agreement, fails to fulfill its obligations hereunder and fails to make correction after receiving
a written notice from the other party.

 

2.
A serious violation of the provisions of this Agreement by a party during the term of this Agreement results in the failure of
the purpose of this Agreement.

 

3.
During the term of this Agreement, client complaints, disputes and other risk events caused by a party’s breach of this
Agreement result in other losses including but not limited to reputational and actual economic losses to the other party.

 

(III)
Party B has the right to issue a rectification notice or a risk warning letter to Party A in the following circumstances, and
take necessary restrictive measures. Where Party A fails to meet the rectification requirements within the period specified in
the rectification notice, this Agreement shall immediately terminate after Party B sends a Written Notice of Discharge of Contract
to Party A. In this case, Party B will recover its losses due to the following circumstances and Party A has no right to request
Party B to return the fees it has paid:

 

1.
Party A’s website is suspected of violations of laws and regulations (including but not limited to suspected illegal fundraising
by Party A, Party A’s use of its online lending platform to illegally absorb public deposits, dishonest business, fraud,
theft of client funds, failing to make correction when judiciary authorities and financial regulatory agencies require Party A
to suspend business or impose a penalty on Party A);

 

2.
Party A is found with a major transaction risk based on on-site and website inspection or the judgment by Party B’s risk
control system but refuses to cooperate with Party B to take relevant measures;

 

    10

     

    

 

3.
During the term of this Agreement, Party A has a major risk event that makes the purpose of this agreement unachievable, including
but not limited to client complaints, abnormal operations of the website, a large number of offline adjustments of accounting
affairs without justified reasons;

 

4.
Party A’s business qualifications have undergone major changes and are not in line with the purpose of this Agreement.

 

(IV)
In the process of rectification, if Party B finds that there is a significant risk in Party A’s related behavior but Party
A refuses to cooperate with Party B to take relevant measures, in order to protect the safety of the client’s funds, Party
B has the right to start the risk protection mechanism (including but not limited to limiting the functions of the problem account
and deducting the risk deposit) while issuing a Written Notice of Discharge of Contract.

 

(V)
If this Agreement is discharged or terminated in advance, the parties shall agree on closing time and other termination related
matters of the account system. Party A and Party B shall perform account fund clearing, and Party A shall tell the client to withdraw
cash within the agreed time.

 

(VI)
If this Agreement is naturally terminated, Party B will close the trading channel within 10 working days after the termination.
Party A shall issue an announcement on its website to explain the situation and tell the client to withdraw cash in time. If the
client fails to withdraw cash within 10 working days after the termination of this Agreement and the channel has been closed
according to the foregoing terms, Party B has the right to transfer the funds in the depository account held by Party A's Client
to the banking account bound to the depository account. Party A should fully cooperate to provide real, legal and effective binding
account information. Party B shall have not further depository obligation to the funds unsettled on Party A’s platform.

 

(VII)
If this Agreement conflicts with or cover any similar agreement previously signed by Party A and Party B in terms of terms and
validity, this Agreement shall prevail.

 

This
Agreement is made in quadruplicate, with each party holding two copies with the same legal effect, and becomes effective after
being signed and sealed by both parties.

 

[REMAINDER
OF THIS PAGE INTENTIONALLY LEFT BLANK]

 

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This
page is dedicated for the signature and the seal by both parties.

 

 

 

Party
A: Sichuan Zhongbei Technology Co., Ltd. (Stamped)

 

Signature
of Legal Representative (Authorized Representative): /s/ Du Yong

 

Date
of Signing: November 16, 2017

 

 

 

 

Party
B: Panzhihua City Commercial Bank Co., Ltd. Chengdu Tianfu New Area Sub-branch (stamped)

 

Signature
of Legal Representative (Authorized Representative): /s/ Jiang Xiaohui

 

Date
of Signing: November 16, 2017

 

 

12

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