Document:

Exhibit 10.15

 

Strategic
Partnership Framework Agreement

 

Party A:
Resgreen Health Science & Technology Group Co., Ltd

ID number: 9143081755805966P

 

Party B: Sichuan Senmiao Ronglian
Techology Co., Ltd.

ID number: 91510000309351968T

 

Party A has long been committed
to the collection, development and application of big health data; as well as health related product sales and services. Their
strengths and advantages are obvious in terms of market resources, management team, patent resources and product sales.

 

Party B is a lawfully existing,
professional provider of Internet financial information Services Company. They’ve accumulated a certain amount of resources
and management experience in terms of online money lending, consumer finance and supply chain finance.

 

On the basis of the principles of "voluntariness,
friendship, equality and negotiation", Party A and Party B have reached the following strategic partnership framework agreement
and shall adhere to this agreement.

 

1. Purpose of partnership

 

Both parties are willing
to cooperate in the field of Internet finance. Through this strategic partnership, both sides will benefit by further enhancing
their operating efficiency and reduce operating costs. This will allow both parties to strategically expand into the market, and
gain access to a large amount of market shares; creating much greater commercial values for both parties.

 

2. Partnership content

 

(1)Both parties shall provide
their own experiences in market development;

(2)Party A and Party B shall
recommend their respective business partners to each other, with the goal of seeking more in-depth cooperation;

(3)Party A shall bring its
own resources into the business promoted by Party B;

(4)Party B shall guide Party
A to gradually get involved in the field of Internet finance.

 

     

     

    

 

3. The rights and obligations of both parties

 

A strategic partnership
between the two sides means that both parties need to work together in order to achieve the desired results; it is necessary for
both sides to adhere to the rights and obligations as follows: 

 

(1) The rights of both parties 

 

1) Party A and Party B have
the right to require each other to provide services, as agreed upon; 

2) Both
parties have the right to challenge and question one another;

3) Both
parties have the right to enjoy the economic interests agreed upon in this contract;

4) Both parties shall
retain the right to pursue economic and financial compensation from the other party, if they have failed to fulfill the relevant
agreement and the duty of confidentiality;

 

(2) The obligations of both parties 

 

1) Both parties have
an obligation to fulfill this agreement as scheduled; 

2) Both parties have an
obligation to provide the relevant intelligence support to each other;

3) Party A has the obligation
to advance and complete tasks undertaken, including marketing, advertising and other tasks;

4) Party A shall make full
use of its industry influence and strategic partnerships to provide the conditions for Party B to develop its business and construct
supply chain financial services; 

5) Both parties have the
obligation to respond to each other’s inquiries;

6) Both parties have the
obligation to ensure management of product quality; and to avoid doing anything detrimental to each other’s image and interests; 

7) Both parties have the
obligation and responsibility to ensure confidentiality of any technical secrets and trade secrets provided by one another;

 

4. Agreement annexes 

 

If any terms of cooperation
or other relevant commercial terms of this Agreement are incomplete, both sides shall negotiate and submit written statements as
an annex to this Agreement; and these annexes shall become an integral and inseparable addition to this Agreement.

 

     

     

    

 

Unless otherwise stated,
the terms of this Agreement shall apply equally to all annexes. If any terms of the annex are inconsistent with this Agreement,
the description in the annex shall prevail.

 

Any concerns that either
party has about the details or content of the partnership, including work flow, cooperation time, method of settlements, etc.,
will require discussion and mutual agreement through friendly negotiations, before agreeing to a resolution and signing the annex.

 

5. Force Majeure 

 

If there is a force majeure
event that seriously obstructs any party's performance of the agreement, or if the force majeure event makes the purpose of this
contract impossible; that party shall, without any delay, inform the other party of the extent to which it fulfills the contractual
obligations or performs part of its contractual obligations, and issue the respective certificate of authority.

 

6. Statement and Guarantee 

 

(1) Party B declares and guarantees to Party
A that: 

 

Party B is a legally established
company with a valid existence; 

Party B is within the scope
of business cooperation in line with relevant laws and regulations, and national business qualification provisions.

 

(2) Party A declares and guarantees to Party
B that: 

 

Party A is a legally established
company with a valid existence; 

Party A is within the scope
of business cooperation in line with relevant laws and regulations, and national business qualification provisions.

 

7. Privacy policy 

 

Without the written consent
of the other party, neither party shall disclose the contents of this agreement, along with all products, technology, designs and
other related matters, in any way to a third party.

 

This confidentiality clause
will still be valid after termination of partnership; and shall remain binding for both parties for two years after the termination
of partnership.

 

8. Commencement of contract

 

This Agreement shall enter
into effect as of the date of signature and seal by both parties. This Agreement shall be conducted in duplicate, and each copy
given to both parties shall have the same legal effect. 

 

     

     

    

 

9. Dispute resolution 

 

Any disputes involving
the implementation of this Agreement or anything related to this Agreement, shall be resolved through friendly negotiations. If
the parties fail to reach an agreement through negotiation, they may submit a lawsuit to the people’s court located in the
region where the original contract was signed, and settle the case through the proceedings.

 

Party A (Seal):   Resgreen Health Science
& Technology Group Co., Ltd. (Seal)

Legal person or authorized representative:

 

Party B (Seal): Sichuan
Senmiao Ronglian Techology Co., Ltd. (Seal)

Legal person or authorized representative:

 

This agreement was signed in Chengdu, Sichuan
Province on March 18, 2017Exhibit 10.16

 

EMPLOYMENT AGREEMENT

 

This EMPLOYMENT AGREEMENT (the “Agreement”),
is entered into as of July 20, 2017 (the “Effective Date”), by and between Senmiao Technology Limited,
incorporated under the laws of the State of Nevada (the “Company”) and Xin Chen, an individual (the “Executive”).
Except with respect to the direct employment of the Executive by the Company, the term “Company” as used herein with
respect to all obligations of the Executive hereunder shall be deemed to include the Company and all of its subsidiary and variable
interest entity (collectively, the “Group”).

 

RECITALS

 

WHEREAS, the Company desires to employ the Executive as its
Chief Executive Officer and to assure itself of the services of the Executive during the term of Employment (as defined below);
and

 

WHEREAS, the Executive desires
to be employed by the Company as its Chief Executive Officer during the term of Employment and upon the terms and conditions
of this Agreement.

 

NOW, THEREFORE, in consideration of the mutual promises set
forth in this Agreement, the parties agree as follows:

 

	1.  	POSITION

 

The Executive hereby accepts a position of
Chief Executive Officer (the “Employment”) of the Company.

 

	2.  	TERM

 

Subject to the terms and conditions of this Agreement, the initial
term of the Employment shall be one (1) year commencing on the Effective Date, unless terminated earlier pursuant to the terms
of this Agreement. The Employment will be renewed automatically for additional one-year terms if neither the Company nor the Executive
provides a notice of termination of the Employment to the other party within thirty (30) days prior to the expiration of the applicable
term.

 

	3.  	DUTIES AND RESPONSIBILITIES

 

	 	(a)	The Executive’s duties at the Company will include all the duties and responsibilities associated with a Chief Executive Officer of a U.S.-listed public company with its primary operations in the People’s Republic of China.  As Chief Executive Officer of the Company, the Executive shall be primarily responsible for managing the day-to-day affairs and operations of the Company and each member of the Group.  During the term of her Employment, Executive shall report and be responsible to the Company’s the board of directors of the Company (including any designated compensation or other committee thereof, the “Board”). Executive shall also perform such other duties and responsibilities as may be determined by the Board as long as such duties and responsibilities are consistent with those of the Company’s Chief Executive Officer.

 

	 	(b)	The Executive shall devote all of her working time, attention and skills to the performance of her duties to the Company and the Group and shall faithfully and diligently serve the Company and the Group in accordance with this Agreement, the Articles of Incorporation and Bylaws of the Company, as amended and restated from time to time, and the guidelines, policies and procedures of the Company approved from time to time by the Board.

 

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	 	(c)	The Executive shall use her best efforts to perform her duties hereunder. The Executive shall not, without the prior written consent of the Board, become an employee of any entity other than the Company or any member of the Group, and shall not be concerned or interested in any business or entity that engages in the same business in which the Company or any member of the Group engages (any such business or entity, a “Competitor”), provided that nothing in this clause shall preclude the Executive from holding less than one percent (1%) of the outstanding voting equity of any Competitor that is listed on any securities exchange or recognized securities market anywhere. The Executive shall notify the Company in writing of her interest in such shares or securities in a timely manner and with such details and particulars as the Company may reasonably require.

 

	4.  	NO BREACH OF CONTRACT

 

The Executive hereby represents to the Company that: (i) the
execution and delivery of this Agreement by the Executive and the performance by the Executive of her duties hereunder shall not
constitute a breach of, or otherwise contravene, the terms of any other agreement or policy to which the Executive is a party or
otherwise bound except for agreements entered into by and between the Executive and any member of the Group pursuant to applicable
law, if any; (ii) that the Executive has no information (including, without limitation, confidential information and trade
secrets) relating to any other person or entity which would prevent, or be violated by, the Executive entering into this Agreement
or carrying out her  duties hereunder; (iii) that the Executive is not bound by any confidentiality, trade secret
or similar agreement (other than this) with any other person or entity except for other member(s) of the Group, as the case may
be.

 

	5.  	LOCATION

 

The Executive will be based in Sichuan Province, China. The
Company reserves the right to transfer or second the Executive to any location in China or elsewhere in accordance with its operational
requirements.

 

	6.  	COMPENSATION AND BENEFITS

 

	 	(a)	Base Salary. The Executive’s initial base salary shall be One U.S. Dollar ($1.00) per year, paid annually in accordance with the Company’s regular payroll practices, and such compensation is subject to annual review and adjustment by the Board.  The Executive shall also be entitled to receive salary, as and in the amounts approved by the Board, from any member of the Group. 

 

	 	(b)	Bonus. The Executive shall be eligible for cash bonuses as determined by the Board in its discretion.  Any bonuses proposed to be paid to the Executive from any member of the Group shall be subject to review and approval by the Board in advance of payment.

 

	 	(c)	Equity Incentives. To the extent the Company adopts and maintains an equity incentive plan, the Executive will be eligible to participate in such plan pursuant to the terms thereof as determined by the Board.

 

	 	(d)	Benefits. The Executive is eligible for participation in any standard employee benefit plan of the Company or any member of the Group that currently exists or may be adopted by the Company or any member of the Group in the future, including, but not limited to, any retirement plan, life insurance plan, health insurance plan and travel/holiday plan, provided that such plans shall be subject to review and approval by the Board.

 

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	 	(e)	Expenses. The Executive shall be entitled to reimbursement by the Company for all reasonable ordinary and necessary travel and other expenses incurred by the Executive in the performance of her duties under this Agreement; provided that she properly accounts for such expenses in accordance with the Company’s policies and procedures.

 

	7.  	TERMINATION OF THE AGREEMENT

 

	 	(a)	By the Company.

 

(i) For Cause. The Company may terminate the Employment
for cause, at any time, without notice or remuneration (unless notice or remuneration is specifically required by applicable U.S.
federal or state law, in which case notice or remuneration will be provided in accordance with applicable law), if:

 

		(1)	the Executive is convicted or pleads guilty to a felony or to an act of fraud, misappropriation or embezzlement;

 

		(2)	the Executive has been grossly negligent or acted dishonestly to the detriment of the Company;

 

		(3)	the Executive has engaged in actions amounting to willful misconduct or failed to perform her duties hereunder and such failure
continues after the Executive is afforded not less than fifteen (15) days to cure such failure; or

 

		(4)	the Executive violates Section 8,9 or 10 of this Agreement.

 

Upon termination for “cause”, the Executive
shall be entitled to the amount of base salary earned and not paid prior to termination. However, the Executive will not be
entitled to receive payment of any severance benefits or other amounts by reason of the termination, and the Executive’s
right to all other benefits will terminate, except as required by any applicable law.

 

(ii) For death and disability. The Company may also
terminate the Employment, at any time, without notice or remuneration (unless notice or remuneration is specifically required
by applicable U.S. federal or state law, in which case notice or remuneration will be provided in accordance with applicable
law), if:

 

		(1)	the Executive has died, or

 

		(2)	the Executive has a disability which shall mean a physical or mental impairment which, as reasonably determined by the Board,
renders the Executive unable to perform the essential functions of her employment with the Company, with or without reasonable
accommodation, for more than 120 days in any 12-month period, unless a longer period is required by applicable law, in which case
that longer period would apply.

 

Upon termination for death or disability, the Executive
shall be entitled to the amount of base salary earned and not paid prior to termination. However, the Executive will not be
entitled to receive payment of any severance benefits or other amounts by reason of the termination, and the Executive’s
right to all other benefits will terminate, except as required by any applicable law.

 

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(iii) Without Cause. The Company may terminate the
Employment without cause, at any time, upon thirty (30) days’ prior written notice. Upon termination without cause, the Company
shall provide the following severance payments and benefits to the Executive: (1) a lump sum cash payment equal to 3 months
of the Executive’s base salary as of the date of such termination; (2) a lump sum cash payment equal to a pro-rated
amount of her target annual bonus for the year immediately preceding the termination, if any; (3) payment of premiums for
continued health benefits under the Company’s health plans for 3 months fo1lowing the termination, if any; and (4) immediate
vesting of 100% of the then-unvested portion of any outstanding equity awards held by the Executive.

 

Upon termination without cause, the Executive shall also be
entitled to the amount of base salary earned and not paid prior to termination.

 

In order to be eligible for, and as a condition precedent for
the payment of, the severance payments and benefits under this Section 7(a)(iii), the Executive must execute and deliver to the
Company a general release of the Company and all members of the Group and their affiliates in a form reasonably satisfactory to
the Board.

 

(iv) Change of Control Transaction. If the Company
or its successor terminates the Employment upon a merger, consolidation, or transfer or sale of all or substantially all of
the assets of the Company with or to any other individual(s) or entity (the “Change of Control Transaction”),
the Executive shall be entitled to the following severance payments and benefits upon such termination: (1) a lump sum cash
payment equal to 3  months of the Executive’s base salary at a rate equal to the greater of her annual salary in effect
immediate1y prior to the termination, or her then current annua1 salary as of the date of such termination; (2) a lump sum
cash payment equal to a pro-rated amount of her target annual bonus for the year immediately preceding the termination; (3) payment
of premiums for continued health benefits under the Company’s health plans for 3 months fo1lowing the termination; and (4) immediate
vesting of 100% of the then-unvested portion of any outstanding equity awards held by the Executive.

 

	 	(b)	
        By the Executive. The Executive may terminate the Employment
        at any time with thirty (30) days’ prior written notice to the Company without cause or if (1) there is a material reduction
        in the Executive’s authority, duties and responsibilities unless such reduction was made with her consent, or (2) there
        is a material reduction in the Executive’s annual salary (the occurrences in (1) and (2) being referred to as “Good
        Reason”). Upon the Executive’s termination of the Employment due to Good Reason, the Company shall provide compensation
        to the Executive equivalent to 3 months of the Executive’s base salary that she is entitled to immediately prior to such
        termination.

         

        In order to be eligible for, and as a condition precedent for
        the payment of, the severance payments and benefits under this Section 7(b), the Executive must execute and deliver to the Company
        a general release of the Company and all members of the Group and their affiliates in a form reasonably satisfactory to the Board.

 

	 	(c)	Notice of Termination. Any termination of the Executive’s employment under this Agreement shall be communicated by written notice of termination from the terminating party to the other party. The notice of termination shall indicate the specific provision(s) of this Agreement relied upon in effecting the termination.

 

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	8.  	CONFIDENTIALITY AND NONDISCLOSURE

 

	 	(a)	Confidentiality and Non-disclosure. The Executive hereby agrees at all times during the term of the Employment and after its termination, to hold in the strictest confidence, and not to use, except for the benefit of the Company, or to disclose to any person, corporation or other entity without written consent of the Company, any Confidential Information. The Executive understands that “Confidential Information” means any proprietary or confidential information of the Company, its affiliates, or their respective clients, customers or partners, including, without limitation, technical data, trade secrets, research and development information, product plans, services, customer lists and customers, supplier lists and suppliers, software developments, inventions, processes, formulas, technology, designs, hardware configuration information, personnel information, marketing, finances, information about the suppliers, joint ventures, franchisees, distributors and other persons with whom the Company does business, information regarding the skills and compensation of other employees of the Company or other business information disclosed to the Executive by or obtained by the Executive from the Company, its affiliates, or their respective clients, customers or partners either directly or indirectly in writing, orally or otherwise, if specifically indicated to be confidential or reasonably expected to be confidential. Notwithstanding the foregoing, Confidential Information shall not include information that is generally available and known to the public through no fault of the Executive.

 

	 	(b)	Company Property. The Executive understands that all documents (including computer records, facsimile and e-mail) and materials created, received or transmitted in connection with her work or using the facilities of the Company are property of the Company and subject to inspection by the Company, at any time. Upon termination of the Executive’s employment with the Company (or at any other time when requested by the Company), the Executive will promptly deliver to the Company all documents and materials of any nature pertaining to her work with the Company and will provide written certification of her compliance with this Agreement. Under no circumstances will the Executive have, following her termination, in her possession any property of the Company, or any documents or materials or copies thereof containing any Confidential Information.

 

	 	(c)	Former Employer Information. The Executive agrees that she has not and will not, during the term of her employment, (i) improperly use or disclose any proprietary information or trade secrets of any former employer or other person or entity with which the Executive has an agreement or duty to keep in confidence information acquired by Executive, if any, or (ii) bring into the premises of the Company any document or confidential or proprietary information belonging to such former employer, person or entity unless consented to in writing by such former employer, person or entity. The Executive will indemnify the Company and hold it harmless from and against all claims, liabilities, damages and expenses, including reasonable attorneys’ fees and costs of suit, arising out of or in connection with any violation of the foregoing.

 

	 	(d)	Third Party Information. The Executive recognizes that the Company may have received, and in the future may receive, from third parties their confidential or proprietary information subject to a duty on the Company’s part to maintain the confidentiality of such information and to use it only for certain limited purposes. The Executive agrees that the Executive owes the Company and such third parties, during the Executive’s employment by the Company and thereafter, a duty to hold all such confidential or proprietary information in the strictest confidence and not to disclose it to any person or firm and to use it in a manner consistent with, and for the limited purposes permitted by, the Company’s agreement with such third party.

 

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This Section 8 shall survive the termination
of this Agreement for any reason. In the event the Executive breaches this Section 8, the Company shall have right to seek
remedies permissible under applicable law.

 

	9.  	CONFLICTING EMPLOYMENT.

 

The Executive hereby agrees that, during the term of her employment
with the Company, she will not engage in any other employment, occupation, consulting or other business activity related to the
business in which the Company is now involved or becomes involved during the term of the Executive’s employment, nor will
the Executive engage in any other activities that conflict with her obligations to the Company without the prior written consent
of the Company.

 

	10.  	NON-COMPETITION AND NON-SOLICITATION

 

In consideration of the salary paid to
the Executive by the Company and the Group, the Executive agrees that during the term of the Employment and for a period of twelve
(12) months following the termination of the Employment for whatever reason:

 

	 	(a)	The Executive will not approach clients, customers or contacts of the Company or the Group, users of the Company’s or the Group’s services, or other persons or entities introduced to the Executive in the Executive’s capacity as a representative of the Company or the Group for the purposes of doing business with such persons or entities which will harm the business relationship between the Company or the Group and such persons and/or entities;

 

	 	(b)	the Executive will not assume employment with or provide services as a director, consultant or otherwise for any Competitor, or engage, whether as principal, partner, licensor or otherwise, in any Competitor; and

 

	 	(c)	the Executive will not seek, directly or indirectly, by the offer of alternative employment or other inducement whatsoever, to solicit the services of any officer, director or employee of or consultant to the Company or any member of the Group employed or engaged as at or after the date of such termination, or in the twelve (12) months preceding such termination.

 

The provisions contained in Section 11 are considered reasonable
by the Executive in order to protect the legitimate business interests of Company and the Group. In the event that any such provisions
should be found to be void under applicable laws but would be valid if some part thereof was deleted or the period or area of application
reduced, such provisions shall apply with such modification as may be necessary to make them valid and effective.

 

This Section 11 shall survive the termination of this Agreement
for any reason. In the event the Executive breaches this Section 11, the Executive acknowledges that there will be no adequate
remedy at law, and the Company or the applicable member of the Group shall be entitled to injunctive relief and/or a decree for
specific performance, and such other relief as may be proper (including monetary damages if appropriate). In any event, the Company
or the applicable member of the Group shall have right to seek all remedies permissible under applicable law.

 

	11.  	WITHHOLDING TAXES

 

Notwithstanding anything else herein to the contrary, the Company
or the applicable Group member may withhold (or cause there to be withheld, as the case may be) from any amounts otherwise due
or payable under or pursuant to this Agreement such national, provincial, local or any other income, employment, or other taxes
as may be required to be withheld pursuant to any applicable law or regulation.

 

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	12.  	ASSIGNMENT

 

This Agreement is personal in its nature and neither of the
parties hereto shall, without the consent of the other, assign or transfer this Agreement or any rights or obligations hereunder;
provided, however, that (i) the Company may assign or transfer this Agreement or any rights or obligations hereunder to any
member of the Group without such consent, and (ii) in the event of a Change of Control Transaction, this Agreement shall,
subject to the provisions hereof, be binding upon and inure to the benefit of such successor and such successor shall discharge
and perform all the promises, covenants, duties, and obligations of the Company hereunder. 

 

	13.  	SEVERABILITY

 

If any provision of this Agreement or the application thereof
is held invalid, the invalidity shall not affect other provisions or applications of this Agreement which can be given effect without
the invalid provisions or applications and to this end the provisions of this Agreement are declared to be severable.

 

	14.  	ENTIRE AGREEMENT

 

This Agreement constitutes the entire agreement and understanding
between the Executive and the Company regarding the terms of the Employment and supersedes all prior or contemporaneous oral or
written agreements concerning such subject matter. The Executive acknowledges that she has not entered into this Agreement in reliance
upon any representation, warranty or undertaking which is not set forth in this Agreement. Any amendment to this Agreement must
be in writing and signed by the Executive and the Company.

 

	15.  	 GOVERNING LAW; JURISDICTION

 

This Agreement shall be governed by and
construed in accordance with the laws of the State of New York, without regard to the conflicts of laws principles thereof.

 

	16.  	AMENDMENT

 

This Agreement may not be amended, modified or changed (in whole
or in part), except by a formal, definitive written agreement expressly referring to this Agreement, which agreement is executed
by both of the parties hereto.

 

	17.  	WAIVER

 

Neither the failure nor any delay on the part of a party to
exercise any right, remedy, power or privilege under this Agreement shall operate as a waiver thereof, nor shall any single or
partial exercise of any right, remedy, power or privilege preclude any other or further exercise of the same or of any right, remedy,
power or privilege, nor shall any waiver of any right, remedy, power or privilege with respect to any occurrence be construed as
a waiver of such right, remedy, power or privilege with respect to any other occurrence. No waiver shall be effective unless it
is in writing and is signed by the party asserted to have granted such waiver.

 

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	18.  	NOTICES

 

All notices, requests, demands and other communications required
or permitted under this Agreement shall be in writing and shall be deemed to have been duly given and made if (i) delivered
by hand, (ii) otherwise delivered against receipt therefor, (iii) sent by a recognized courier with next-day or second-day
delivery or (iv) by email to the last known address of the other party, with communications to the Company being to the attention
of the Company’s Chief Financial Officer.

 

	19.  	COUNTERPARTS

 

This Agreement may be executed in any number of counterparts,
each of which shall be deemed an original as against any party whose signature appears thereon, and all of which together shall
constitute one and the same instrument. This Agreement shall become binding when one or more counterparts hereof, individually
or taken together, shall bear the signatures of all of the parties reflected hereon as the signatories. Photographic or electronic
copies of such signed counterparts may be used in lieu of the originals for any purpose, and signed counterparts may be delivered
by electronic means.

 

	20.  	NO INTERPRETATION AGAINST DRAFTER

 

Each party recognizes that this Agreement is a legally binding
contract and acknowledges that it, or she has had the opportunity to consult with legal counsel of choice. In any construction
of the terms of this Agreement, the same shall not be construed against either party on the basis of that party being the drafter
of such terms.

 

[Remainder of this page has been intentionally
left blank.]

 

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IN WITNESS WHEREOF, this Agreement has been executed as of the
date first written above.

 

	 	Senmiao Technology Limited
	 	 	 
	 	By:	/s/  Rong Zhu
	 	Name:	Rong Zhu
	 	Title:	Chief Financial Officer
	 	 	 
	 	Executive
	 	 	 
	 	Signature:	/s/ Xin Chen
	 	Name:	Xin Chen

 

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