Document:

Exhibit 10.8

 

	[Name of the VIE]	Loan Contract	 

 

LOAN CONTRACT

 

THIS LOAN CONTRACT (the “Contract”)
is entered into by and between the following parties on this 9th day of March, 2020 in Shanghai, the People’s Republic of
China (hereinafter referred to as the “PRC”, and, for the purpose of this Contract, excluding Hong Kong SAR,
Macau SAR and Taiwan):

 

Lender: Shanghai Santeng Technology
Co., Ltd. (the “WFOE”)

Legal representative: LU Qiaoling

Registered address: Room 121, 14/F, Building
No.2, No.588 Zixing Road, Minhang District, Shanghai

 

Borrower-1: [Name of the Shareholder
B-1]

Identification No.: [ID
Card No. of Shareholder B-1]

 

Borrower-2: [Name of the Shareholder
B-2]

Identification No.: [ID
Card No. of Shareholder B-2]

 

Borrower-3: [Name of the Shareholder
B-3]

Identification No.: [ID
Card No. of Shareholder B-3]

 

In this Contract, Borrower-1, Borrower-2
and Borrower-3 are hereinafter collectively referred to as the “Borrowers” and each a “Borrower”,
and the Lender and the Borrowers are hereinafter collectively referred to as the “Parties” and individually
a “Party”.

 

WHEREAS:

 

		1.	[Name of the VIE] (the “Borrowers’ Company”) is a limited liability company
duly established and validly existing under the PRC laws with a registered capital of RMB [amount]. The Borrower-1 holds [number]%
equity interest in the Borrowers’ Company, and the Borrower-2 and Borrower-3 respectively hold [number]% equity interest
therein. All the equity interests owned by the Borrowers in the Borrowers’ Company at present and in the future are collectively
referred to as the “Borrowers’ Equities”; and

 

		2.	The Lender acknowledges that it agrees to provide the Borrowers with a loan of RMB [amount] hereunder
for the purpose specified in this Contract.

 

    1

     

    

 

	[Name of the VIE]	Loan Contract	 

 

NOW, THEREFORE, upon friendly consultation,
the Parties hereby agree as follows:

 

Article 1 Loan

 

		1.1	In accordance with the terms of this Contract, the Lender and the Borrowers hereby acknowledge
that the Lender is entitled to a creditor’s right of RMB [amount] against the Borrower (the “Loan”), and
please refer to Exhibit 1 for information regarding the loan owed by each Borrower. The term of the loan commences from the effective
date of this Contract and ends on the day when the Lender exercises its exclusive option in accordance with the Exclusive Option
Agreement under Article 1.1.4 of this Contract. In the case of any of the following circumstances, the Loan shall immediately become
due, and the Borrowers must repay the same immediately:

 

		1.1.1	a 30-day period from the Lender’s delivery of the written notice requesting for repayment
expires;

 

		1.1.2	the Borrower is subject to termination, deregistration, liquidation and other circumstances involving
termination of business;

 

		1.1.3	the Borrower commits a crime or is involved in any criminal activity; or

 

		1.1.4	pursuant to the applicable laws of the PRC, foreign investors are permitted to invest in the principle
business that is currently conducted by the Borrowers’ Company in the PRC with a controlling stake or in the form of wholly
foreign-owned enterprises, the relevant competent authorities of China has begun to examine and approve such investments, and the
Lender decides to exercise the exclusive option granted to it under the Exclusive Purchase Option Agreement dated March 9, 2020
among the Lender, the Borrower and the Borrower Company (the “Exclusive Option Agreement”).

 

		1.2	Without the Lender’s prior approval, the Borrowers shall not transfer this Contract to any
other person.

 

		1.3	The Borrowers agree to accept the foresaid Loan rendered by the Lender and hereby agree and warrant
that the Loan will be used for the purpose consented by the Lender.

 

		1.4	The Lender and the Borrowers hereby unanimously agree and acknowledge that the Borrowers may repay
the Loan in the following manner: after the Lender’s exercise of the Option under Exclusive Option Agreement, the Borrowers
shall transfer all of the Borrowers’ Equities to the Lender or its designated person (legal or natural person), and, to the
extent permitted by applicable laws, use all the proceeds of such transfer to repay the Loan to the Lender in accordance with this
Contract and in the manner designated by the Lender.

 

		1.5	The Lender and the Borrowers hereby unanimously agree and acknowledge that, subject to applicable
laws, the Lender shall have the right but not the obligation to purchase or designate any other person (legal or natural person)
to purchase all or part of the Borrowers’ Equities at the Purchase Price set forth in the Exclusive Option Agreement at any
time.

 

		1.6	Where the Borrowers transfer any Borrowers’ Equities owned by them to the Lender or its designated
person, if the transfer price of such equities is equal to or lower than the principal sum of the Loan hereunder, the Loan under
this Contract shall be deemed as an interest-free loan; provided that, if the transfer price of such equities exceeds the principal
sum of the Loan hereunder, the excess portion shall be deemed as the interest of the Loan hereunder and shall be repaid to the
Lender by the Borrowers. The Borrowers shall be deemed to have fully performed their repayment obligations hereunder when the person
so designated by the Lender has acquired all the Borrowers’ Equities (subject to completion of the registration with competent
administration for industry and commerce), and/or the Borrowers have repaid the principal and interests (if applicable) of the
Loan to the Lender in full in accordance with this Contract and the Exclusive Option Agreement.

 

    2

     

    

 

	[Name of the VIE]	Loan Contract	 

 

Article 2 Representations and Warranties

 

		2.1	The Lender hereby makes the following representations and warranties to the Borrowers as of the
execution date hereof:

 

		2.1.1	The Lender is a company duly established and validly existing under the PRC laws;

 

		2.1.2	It has the power to execute and perform this Contract. The Lender’s execution and performance
of this Contract comply with its business scope, articles of association or other organizational documents, and it has obtained
all necessary and appropriate approvals and authorities to execute and perform this Contract; and

 

		2.1.3	Upon execution, this Contract shall constitute the Lender’s legal, valid, and binding obligations
and shall be enforceable against the Lender in accordance with its terms.

 

		2.2	Each of the Borrowers makes the following representations and warranties to the Borrowers as of
the execution date hereof:

 

		2.2.1	He/she is a natural person who have full civil rights and capacity to execute and perform this
Contract;

 

		2.2.2	He/she has the power to execute and perform this Contract, his/her execution and performance of
this Contract comply with the articles of association or other organizational documents of the Borrowers’ Company, and he/she
has obtained all necessary and appropriate approvals and authorities to execute and perform this Contract;

 

		2.2.3	Upon execution, this Contract shall constitute his/her legal, valid, and binding obligations and
shall be enforceable against him/her in accordance with its terms; and

 

		2.2.4	There is no pending or threatened dispute, litigation, arbitration, administrative penalty or any
other legal proceeding in connection with the Borrower, which may affect the performance of this Contract.

 

    3

     

    

 

	[Name of the VIE]	Loan Contract	 

 

Article 3 Undertakings of the Borrowers

 

		3.1	The Borrowers, in their capacity of shareholders of the Borrowers’ Company, hereby irrevocably
undertake that, within the valid term of this Contract, they will cause the Borrowers’ Company:

 

		3.1.1	to strictly comply with all the terms of the Exclusive Option Agreement to which the Borrowers’
Company is a party, and to refrain from any action/omission that is sufficient to affect the validity and enforceability of the
Exclusive Option Agreement;

 

		3.1.2	at the request of the Lender or its designated party, to execute contract/agreement in respect
of business cooperation with the Lender or its designated party at any time;

 

		3.1.3	to deliver to the Lender all the information in connection with its operation and financial condition
upon the request of the Lender;

 

		3.1.4	to immediately notify the Lender of any pending or threatened litigation, arbitration or administrative
penalty in connection with its assets, business and revenues; and

 

		3.1.5	to appoint any person designated by the Lender to act as the director of the Borrowers’ Company
upon the Lender’s request.

 

		3.2	The Borrowers undertake that, within the valid term of this Contract, they shall:

 

		3.2.1	make their best efforts to cause the Borrowers’ Company to conduct its principal business,
the specific scope of which shall be subject to the business license;

 

		3.2.2	strictly comply with the provisions of this Contract, the Equity Pledge Agreement (as set forth
in Exhibit 2 hereto) (the “Equity Pledge Agreement”) and the Exclusive Option Agreement to which they are a
party, and refrain from any action/omission which is sufficient to affect the validity and enforceability of this Contract, the
Equity Pledge Agreement and the Exclusive Option Agreement;

 

		3.2.3	Except as provided by the Equity Pledge Agreement, or with the prior written consent of the Lender,
not sell, transfer, mortgage or otherwise dispose any legal or beneficial interests in the Borrowers’ Equities, nor allow
any other security interests to be created thereon;

 

		3.2.4	cause the shareholders’ meeting and/or the board of directors of the Borrowers’ Company
not to approve any sale, transfer, mortgage or other disposition of the legal or beneficial interest in the Borrowers’ Equities
or the creation of any other security interest thereon, without the Lender’s prior written consent, except for sale, transfer,
mortgage or other disposition made to the Lender or its designated person;

 

		3.2.5	cause the shareholders’ meeting and/or the board of directors of the Borrowers’ Company
not to approve the merger or consolidation with any person, or the acquisition of or investment in any person, without the prior
written consent of the Lender;

 

		3.2.6	immediately notify the Lender of any pending or threatened litigation, arbitration or administrative
penalty in connection with the Borrowers’ Equities;

 

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	[Name of the VIE]	Loan Contract	 

 

		3.2.7	execute all necessary or appropriate documents, take all necessary or appropriate actions, make
all necessary or appropriate claims, and raise necessary and appropriate defenses against all claims, in order to maintain their
ownership of the Borrowers’ Equities;

 

		3.2.8	without the Lender’s prior written consent, refrain from any action and/or omission that
may have material effect on the assets, business and liabilities of the Borrowers’ Company;

 

		3.2.9	at the request of the Lender, appoint any persons designated by the Lender as the directors of
the Borrowers’ Company;

 

		3.2.10	to the extent permitted by the PRC laws, and at the request of the Lender from time to time, unconditionally
transfer the Borrowers’ Equities to the Lender or its designated representative at any time, and cause other shareholders
of the Borrowers’ Company to waive their right of first refusal in respect of the equity transfer referred in this sub-article;

 

		3.2.11	to the extent permitted by the PRC laws, and upon the Lender’s request at any time, cause
other shareholders’ of the Borrowers’ Company to unconditionally and promptly transfer their equity interests in the
Borrowers’ Company to the Lender or its designated representative, and the Borrowers hereby waive their rights of first refusal
to the equity transfer referred in this sub-article;

 

		3.2.12	where the Lender purchases the Borrowers’ Equities from the Borrowers in accordance with
the provisions of the Exclusive Option Agreement, use all such purchase price obtained by the Borrowers to repay the Loan to the
Lender; and

 

		3.2.13	without the prior written consent of the Lender, not in any manner supplement, change or amend
the articles of association of the Borrowers’ Company, increase or decrease its registered capital, or otherwise change its
capital structure.

 

Article 4 Liability for Breach of Contract

 

		4.1	If the Borrowers commit a material breach of any terms hereunder, the Lender shall have the right
to immediately terminate this Contract by written notice to the Borrowers, and the Borrowers shall indemnify the Lender against
all losses arising from such breach or the early termination of this Contract. The remedy set forth in this Article 4.1 shall be
non-exclusive, and shall not impair or prejudice any other remedies to which the Lender may be entitled under this Contract or
applicable laws.

 

		4.2	Unless otherwise specified by laws, the Borrowers shall in no event have the right to terminate
or rescind this Contract.

 

		4.3	If the Borrower fails to pay any sum pursuant to the schedule specified hereunder, a default interest
shall be calculated thereon at a daily rate of 0.1% until the Borrowers’ full repayment of such sum (including the default
interest).

 

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	[Name of the VIE]	Loan Contract	 

 

Article 5 Notices

 

		5.1	All notices and other communications required or given under this Contract shall be delivered or
sent to the receiving Party by way of personal delivery, registered mail (postage prepaid), commercial courier service or facsimile
transmission. Each notice shall also be served by email. The dates on which such notices shall be deemed to have been effectively
given shall be determined as follows:

 

		5.1.1	Notices given by personal delivery (including express mail service) shall be deemed effectively
given on the day when an acknowledgement of receipt thereof is signed;

 

		5.1.2	Notices given by registered mail (postage prepaid) shall be deemed effectively given on the 15th
day after the date of the return receipt thereof;

 

		5.1.3	Notices given by way of facsimile transmission shall be deemed effectively given on the date of
transmission as shown on the facsimile, provided that, if such facsimile is given after 5 p.m. or on a non-business day at the
place of receipt, it shall be deemed given on the business day immediately following the transmission date shown on such facsimile.

 

Article 6 Confidentiality Obligation

 

		6.1	The Parties acknowledge and confirm that this Contract, its contents and any oral or written information
exchanged among the Parties in connection with the preparation and performance of this Contract shall be confidential information.
The Parties shall maintain the confidentiality of all such confidential information, and shall not disclose any confidential information
to any third party without the written consent of the other Party or Parties, except for the information which: (a) is already
known to the public (without unauthorized disclosure by the receiving Party); (b) is required to be disclosed under the applicable
laws or regulations, stock trading rules or orders of governmental authorities or courts; or (c) is required to be disclosed by
a Party to its shareholders, directors, employees, legal or financial advisors for the transactions contemplated hereunder, provided
that such shareholders, directors, employees, and legal or financial advisors shall be subject to the confidentiality obligations
similar to those set forth in this Article. Any disclosure of confidential information by a shareholder, director, employee or
engaged agency of a Party shall be deemed as a disclosure of such confidential information by such Party, who shall be liable for
breach of contract in accordance with this Contract.

 

    6

     

    

 

	[Name of the VIE]	Loan Contract	 

 

Article 7 Governing Law and Dispute Resolution

 

		7.1	The conclusion, effectiveness, interpretation, performance, amendment and termination of this Contract
and the resolution of disputes hereunder shall be governed by the laws of the PRC.

 

		7.2	In the event of any dispute arising from or in connection with this Contract, either Party may
submit the dispute to Shanghai International Economic and Trade Arbitration Commission for arbitration in Shanghai in accordance
with its arbitration procedures and rules then in effect. The arbitration tribunal shall consist of three arbitrators who shall
be appointed in accordance with the arbitration rules. The claimant and the respondent shall respectively appoint one arbitrator,
and the third arbitrator shall be appointed by the first two arbitrators through negotiations. The arbitration proceedings shall
be conducted in Chinese in a confidential manner. The arbitration award shall be final and binding upon the parties thereto. In
appropriate circumstances, the arbitration tribunal or arbitrators may award remedial measures in respect of equities or assets
of the Parties in accordance with the dispute resolution clause and/or applicable PRC laws, including restriction on conduct of
business, restriction or prohibition of transfer or sale of equities or assets, or proposal for the winding-up of the Parties.
In addition, in the course of forming the tribunal, Party A shall have the right to file an application to any court with competent
jurisdiction (including courts in the PRC, Hong Kong and Cayman Islands) for grant of temporary reliefs.

 

		7.3	In the event of any dispute arising out of the interpretation and performance of this Contract,
or in the arbitration proceeding of any dispute, the Parties shall continue to exercise their respective rights hereunder and perform
their respective obligations hereunder, except for matters under dispute.

 

Article 8 Taxes; Expenses

 

		8.1	Each Party shall be liable for any and all taxes, costs and expenses incurred by or imposed on
such Party in accordance with the PRC laws due to the preparation and execution of this Contract and each Transfer Contract as
well as the consummation of the transactions contemplated hereunder and thereunder.

 

Article 9 Miscellaneous

 

		9.1	This Contract shall come into effect on the day when it is duly signed by the Parties, and shall
expire on the date on which the Parties have fulfilled their respective obligations hereunder.

 

		9.2	This Contract is made in Chinese in four counterparts, with the Lender and each Borrower respectively
holding one counterpart hereof, and each counterpart hereof shall have the same legal effect.

 

		9.3	The Parties may amend and supplement this Contract by written agreement. Any amendment or supplementary
agreement among the Parties in respect of this Contract shall be an integral part hereof, and have the same legal effect as this
Contract.

 

		9.4	In the event that one or more provisions of this Contract are held to be invalid, illegal or unenforceable
in any aspect under any laws or regulations, the validity, legality or enforceability of the remaining provisions of this Contract
shall not be affected or impaired thereby in any aspect. The Parties shall, through negotiations in good faith, strive to replace
such invalid, illegal or unenforceable provisions with the provisions which are valid to the greatest extent permitted by laws
and desired by the Parties, and the economic effect of such valid provisions shall be as close as possible to the economic effect
of those invalid, illegal or unenforceable provisions.

 

		9.5	The Exhibits attached to this Contract shall be integral parts hereof and have the same legal effect
as this Contract.

 

		9.6	Any obligations accruing or becoming due hereunder prior to the expiration or early termination
of this Contract shall survive the expiration or early termination of this Contract. The provisions of Articles 4, 6 and 7 and
this Article 9.6 shall survive the termination of this Contract.

 

(THE REMAINDER OF THIS PAGE IS INTENTIONALLY
LEFT BLANK)

 

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	[Name of the VIE]	Loan Contract	 

 

(Signature
Page of the Loan Contract)

 

Lender: 

Shanghai Santeng Technology Co., Ltd.
(official seal)

 

	By:	 	(signature)
	 	Its Legal or Authorized Representative	 

 

Signed on this 9th day of March, 2020

    8

     

    

 

	[Name of the VIE]	Loan Contract	 

 

(Signature
Page of the Loan Contract)

 

Borrower-1: 

[Name of the Shareholder B-1]

 

	Signature: 	 	 

 

Signed on this 9th day of March, 2020

 

    9

     

    

 

	[Name of the VIE]	Loan Contract	 

 

(Signature
Page of the Loan Contract)

 

Borrower-2: 

[Name of the Shareholder B-2]

 

	Signature: 	 	 

 

Signed on this 9th day of March, 2020

 

    10

     

    

 

	[Name of the VIE]	Loan Contract	 

 

(Signature
Page of the Loan Contract)

 

Borrower-3: 

[Name of the Shareholder B-3]

 

	Signature: 	 	 

 

Signed on this 9th day of March, 2020

 

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	[Name of the VIE]	Loan Contract	 

 

Exhibit
1Borrowers’ Information

 

	Name	 	PRC ID No.	 	Contribution to 

Borrowers’ 

Company 

(RMB)	 	Shareholding 

Ratio in 

Borrowers’ 

Company	 	Loan Amount 

(RMB)
	 	 	 	 	 	 	 	 	 
	[Name of the Shareholder B-1]	 	[ID Card No. of Shareholder B-1]	 	[* million]	 	[number]%	 	[*]
	 	 	 	 	 	 	 	 	 
	[Name of the Shareholder B-2]	 	[ID Card No. of Shareholder B-2]	 	[* million]	 	[number]%	 	[*]
	 	 	 	 	 	 	 	 	 
	[Name of the Shareholder B-3]	 	[ID Card No. of Shareholder B-3]	 	[* million]	 	[number]%	 	[*]

 

 

    12

     

    

 

	[Name of the VIE]	Loan Contract	 

 

Exhibit
2Equity Pledge Agreement

 

    13

     

    

 

	[Name of the VIE]	Loan Contract	 

 

Schedule of
Material Differences

 

One or more persons
signed a letter of consent using this form. Pursuant to Instruction ii to Item 601 of Regulation S-K, the Registrant
may only file this form as an exhibit with a schedule setting forth the material details in which the executed agreements differ
from this form:

 

	No.	 	Name of Shareholder	 	
        Name of the

        VIE
	 	
        Registered

        Address of

        the VIE
	 	ID Card No. 

of Shareholder	 	Percentage	 	
        Represented

        Amount of the

        VIE’s Registered

        Capital
	 	Loan Amount
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	1.	 	Yongxiang Lu	 	Daxin Wealth Investment Management (Shanghai) Co., Ltd. (“Daxin Wealth)	 	[***]	 	[***]	 	90%	 	[RMB * million]	 	[RMB *]
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	2.	 	Qiaoling Lu	 	Daxin Wealth	 	[***]	 	[***]	 	5%	 	[RMB * million]	 	[RMB *]
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	3.	 	Yiheng Guo	 	Daxin Wealth 	 	[***]	 	[***]	 	5%	 	[RMB * million]	 	[RMB *]
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	4	 	Yongxiang Lu	 	Daxin Zhuohui Financial Information Service (Shanghai) Co., Ltd. (“Daxin Zhuohui)”	 	[***]	 	[***]	 	90%	 	[RMB * million]	 	[RMB *]
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	5	 	Zhiyao Guo	 	Daxin Zhuohui	 	[***]	 	[***]	 	10%	 	[RMB * million]	 	[RMB *]
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	6	 	Qingdao Youyou Town Electronic Technology Co., Ltd.	 	Qingdao Buytop Payment Service Co., Ltd.	 	[***]	 	n/a	 	100%	 	[RMB * million]	 	[RMB *]

 

 

14Exhibit 10.9

 

 

 

 

 

 

 

 

 

 

 

 

STRATEGIC
COOPERATION AGREEMENT

(AGREEMENT
NO.: DXZH-JTPH-001)

 

 

 

 

 

BETWEEN

 

 

 

Party
A: Daxin
Zhuohui Financial Information

Service
(Shanghai) Co., Ltd.

 

AND

 

Party
B: Nanchang Jintou Puhui Information

Service Co., Ltd.

 

 

 

 

 

 

 

 

Dated:
August 28, 2019

Shanghai,
China

 

    1 / 7

     

    

 

Party
A: Daxin Zhuohui Financial Information Service (Shanghai) Co., Ltd.

Legal
representative: GUO Zhiyao

 

Party
B: Nanchang Jintou Puhui Information Service Co., Ltd.

Legal
representative: YANG Fei

 

On
the premise of complying with laws, regulations and financial regulatory requirements, and in accordance with the basic principles
of “compliance with laws and regulations, complementary advantages, mutual benefits, and sharing of risks”, Party
A and Party B hereby enter into this Agreement for mutual covenant to achieve comprehensive cooperation in multiple areas of financial
services.

 

Article
1 Basic Information of the Parties

 

	1.1	Party
                                         A

 

The
Group, to which Party A is subordinated, is a leading comprehensive financial services group headquartered in Shanghai, and its
business covers Shanghai, Shandong, Jiangsu and other places. Since its incorporation in 2015, the Group has established good
cooperation relation with banks, trusts, small loan companies, insurers and other financial institutions. With the financial qualifications
such as third-party payment service, financial lease, commercial factoring, private equity funds, insurance brokerage, etc., and
together with the advanced financial technologies and risk-control methods, the Group, which Party A is subordinated to, now is
committed to providing comprehensive financial services for micro and small clients and high-net-worth individuals and designing
effective financing solutions for clients in need of financing.

 

	1.2	Party
                                         B

 

Party
B is a company initiated and established by Nanchang Financial Investment Group Co., Ltd. (hereinafter referred to as the “Financial
Investment Group”) and has rich experience in risk control and management, marketing and market development, exploration
of funding providers and disposal of non-performing assets (NPA). The company has cooperated with many large loan-facilitation
platforms and also entered into cooperation with licensed financial asset management companies (Jiangxi Financial Asset Management
Co., Ltd., Jiangxi Ruijing Financial Asset Management Co., Ltd.) to develop the business of non-performing asset disposition.
The company provides micro and small business owners and individual clients with professional and comprehensive services through
its own risk-control capabilities and the credit enhancement and risk endorsement formed between the company and financial institutions
(banks and trusts) and clients, plus the provision of financial support (for subsequent handling) and disposition channels for
non-performing assets.

 

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Article
2 Purpose and Principles of Cooperation

 

	2.1	Cooperation
                                         Purpose:

 

Party
A and Party B shall protect the image and reputation of each other and respect each other’s business policies and business
practices in the course of business cooperation. There is no affiliation or subordinate relationship between the Parties, and
neither Party shall interfere with or dispose of the interest of the other Party in any manner.

 

	2.2	Cooperation
                                         Principles:

 

	(1)	Principle
                                         of equality: Both Parties enter into this Agreement and the specific business cooperation
                                         agreement on the premise of willingness and equality, and any cooperation is based on
                                         the sufficient negotiation conducted by and between both Parties on an equal basis;

 

	(2)	Principle
                                         of long-term and stable cooperation: Based on the full trust on each other, Party
                                         A and Party B focus on long-term interest and development, and aim at a long- term cooperation
                                         that is stable and sustainable;

 

	(3)	Principle
                                         of mutual development: Party A and Party B intend to develop cooperation in their
                                         respective advantageous areas, to use their respective advantageous resources for mutual
                                         development and innovation, and to promote the realization of a cross-regional and cross-field
                                         development of both Parties;

 

	(4)	Principle
                                         of good faith: Party A and Party B shall act in good faith, respect and jointly protect
                                         and enhance each other’s brand and reputation, and jointly improve their business
                                         credibility and brand competitiveness; and

 

	(5)	Taking
                                         Shanghai and Jiangxi as the center to form multiregional business network: Party
                                         A and Party B shall, on the basis of compliance with laws and regulations, cooperate
                                         with each other to achieve business development and expansion by utilizing the Parties’
                                         business accumulation and resource advantages respectively in Shanghai and Jiangxi and
                                         relying on Party A’s multi-field financial qualifications and business resources
                                         in Shanghai and its surrounding areas, and in combination with Party B’s good government
                                         relation in Jiangxi and its cooperation relation with Jiangxi Financial Holding Group
                                         Co., Ltd. and the Financial Investment Group.

 

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Article
3 Scope of Cooperation

 

	3.1	Party
                                         and Party B, on basis of their qualifications and advantages in resources, are committed
                                         to enter into in-depth cooperation in multiple areas of financial services:

 

	(1)	Cooperation
                                         in the design and development of house-mortgage loan facilitation products

 

The
design and development of the house-mortgage loan facilitation product will be led by Party A and jointly negotiated by both Parties.
The Parties will cooperate with each other in respect of the risk-control system, the home-visit investigation process, computer
IT system, asset disposal, business process and other aspects, formulate a complete product program, and strive to realize a product
size of RMB 4 to 5 billion in Shanghai and Jiangxi by 2020.

 

The
Parties shall approach and cooperate with the financial institutions in their respective regions (including but not limited to
various Chinese and foreign commercial banks, licensed small loan companies, pawnshops, trusts and other institutional funding
providers) to support house-mortgage financial products.

 

Both
Parties will respectively explore licensed asset management companies (AMC) at provincial level (for disposition of non-performing
assets), and, by considering their respective competitiveness in price, past experience in disposition of non-performing asset,
team integrity, soundness of expertise and other aspects, select the appropriate licensed AMC for cooperation to provide house-mortgage
loan products with multiple options for disposition channels.

 

	(2)	Cooperation
                                         in promotion of financial service products

 

Upon
consultation and mutual agreement, Party A and Party B entrusts each other to provide promotion and distribution service for their
own financial service products (such as the existing loan-facilitation product of Party B).

 

	(3)	Cooperation
                                         in promotion of third-party payment service

 

Upon
consultation and mutual agreement, Party A and Party B shall strengthen their cooperation and communication on the brand promotion,
customer service and survey, product marketing, personnel training and other aspects in connection with the third- party payment
product of Party A’s Group. The Parties’ cooperation and innovation in the offering and sale of prepaid cards and
relevant technologies will be strengthened, the territory and cooperation channel of prepaid card business will be expanded, and
the technology level of the supporting system will be enhanced.

 

	(4)	Support
                                         and cooperation for small loan business in the entire Jiangxi Province

 

Party
A intends to apply for the establishment of a small loan company in Jiangxi Province in the first half of 2020, and Party B will
offer support to Party A in the entire application process for such establishment. Party A and Party B will collaborate with each
other subsequently and enter into in-depth cooperation in the area of small loan service.

 

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	(5)	Cooperation
                                         in disposition of non-performing assets

 

Both
Parties shall, on the basis of their respective regional advantages and advantages in resources, cooperate with local licensed
NPA disposition institutions and provide them with such services as due diligence investigation and assessment on underlying assets,
and will enter into whole-process cooperation in respect of the back-end NPAs. Upon discussion, Party A and Party will fully cooperate
in the whole process of NPA disposition by jointly establishing a NPA disposition fund or asset management company or through
other means.

 

	(6)	Cooperation
                                         in other financial business

 

On
basis of the business qualification for financial lease, commercial factoring, third- party payment and other business owned by
Party A’s group, both Parties shall further carry out business cooperation in financial lease, commercial factoring, third-party
payment and other areas, work together in the design of relevant financial service products, and provide high-quality clients
with efficient and comprehensive financial services and financing resolutions.

 

	3.2	Upon
                                         execution of this Agreement, Party A and Party B will jointly establish a project team
                                         and work group to manage and operate this project and establish long-term and effective
                                         mechanism for the cooperation and coordination. The Parties will, in accordance with
                                         the principle of mutual benefit and interest, support each other, carry out in-depth
                                         cooperation and make joint development in respect of their brand cooperation, promotion
                                         of brand image, business operation and other aspects.

 

	3.3	This
                                         Strategic Cooperation Agreement sets forth the general intention for subsequent conduct
                                         of all specific businesses contemplated in this Agreement, and the specific business
                                         pattern, rights and obligations thereof shall be further agreed by the Parties in a separate
                                         cooperation agreement.

 

Article
4 Term of Cooperation

 

The
term of cooperation under this Agreement shall be [three (3)] years commencing from the effective date hereof. Except for an early
termination of this Agreement, either Party may serve the other Party with a written request for extension of the cooperation
term one month prior to the expiration of the effective term, and additional agreement may be signed upon mutual agreement by
the Parties.

 

Article
5 Confidentiality

 

	5.1	Both
                                         Parties shall duly keep the cooperation information and its related documents, and such
                                         documents shall be kept for a period not less than the minimum period required by the
                                         laws or the common practice in the industry.

 

	5.2	The
                                         Parties undertake that they shall bear strict confidentiality obligations in respect
                                         of the contents of this Agreement, the cooperation matter and its related documents,
                                         materials and trade secrets, and shall not use any document, information or trade secret of
the other Party for any purpose irrelevant to this Agreement without the prior written consent of such Party.

 

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	5.3	Party
                                         A and Party B further agree that: for the purpose of a domestic or overseas IPO, or for
                                         introducing strategic investors, either Party may, within the effective term of this
                                         Agreement, fully disclose the terms of this Agreement and the specific business cooperation
                                         agreements to be concluded hereunder and their supporting documents, directly to necessary
                                         domestic or foreign governmental or regulatory authorities, investment banks, securities
                                         companies, law firms, accounting firms and strategic investors, and such reasonable disclosure
                                         shall not be deemed as a breach of the confidentiality obligation.

 

	5.4	The
                                         confidentiality obligation set forth in this Article shall remain valid for an indefinite
                                         term and will not be invalidated by any termination, rescission or invalidity of this
                                         Agreement.

 

Article
6 Miscellaneous

 

	6.1	This
                                         Agreement shall come into effect upon affixation of the official seal or contract seal
                                         by Party A and Party B. This Agreement is executed in four counterparts, with each Party
                                         holding two counterparts, and all counterparts of this Agreement shall have same legal
                                         effect.

 

	6.2	This
                                         Agreement is a document of intention made before the Parties’ execution of a specific
                                         cooperation agreement and preliminarily confirms the basic objectives and scope of cooperation
                                         between the Parties only. This Agreement is the important basis for the specific business
                                         contracts, and the specific terms and conditions shall be subject to the specific business
                                         cooperation agreement. Anything not covered by this Agreement shall be additionally negotiated
                                         and supplemented by the Parties.

 

	6.3	As
                                         a general strategic document, this Agreement shall also apply to the friendly cooperation
                                         and collaborative development of the parent companies, subsidiaries and other affiliates
                                         within the framework of the respective groups of Party A and Party B.

 

(THE
REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK)

 

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(signature
Page Of the Strategic Cooperation Agreement)

 

 

 

 

 

Party
A:

Daxin
Zhuohui Financial Information Service (Shanghai) Co., Ltd. (seal)

 

 

 

 

 

 

Party
B:

Nanchang
Jintou Puhui Information Service Co., Ltd. (seal)

 

 

 

 

 

 

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