Document:

Exhibit 10.9

 

 

PICC Property and casualty Company Limited

 

 

 

Agreement on cooperation in insurance brokerage
business

 

 

 

 

 

 

 

 

 

 

 

Party a: Chongwen Branch of Beijing Branch
of PICC

 

Party b: Zhejiang anbisheng insurance brokerage
Co., Ltd

 

 

 

 

 

 

 

     

     

    

 

Party a: Chongwen Branch of Beijing Branch of PICC

Name of the person in charge of party a: Wangzhuo

Party a's address: Building 5, zuo'anmen inner st, Dongcheng
District, Beijing

Zip code :100035

 

Party b: Zhejiang anbisheng insurance brokerage Co., Ltd

Name of the person in charge of party b: Wangzhe

Address of party b: 15 / F, building D, Ocean International
Center, No. 62, dongsihuan Middle Road, Chaoyang District, Beijing

Zip code :100025

 

In order to promote
business development, according to the insurance law of the People's Republic of China, regulations on the insurance company and
the insurance brokerage institutions regulations and related laws and regulations, party a and party b based on the established
long-term stable cooperative relations, take the customer as the center, in line with fair and honest, mutual reciprocity and mutual
benefit, mutual support, strengthen cooperation and common development principles, through equal consultation to reach an agreement,
the particulars of insurance brokerage business cooperation, signed this agreement.

 

Chapter I scope of cooperation

 

Article 1 all the insurance business areas approved by circ
that party a and party b may legally operate are the business scope of cooperation between party a and party b.

 

Article 2 party a and party b agree to give priority to providing
business opportunities and business support to each other within their respective business scope, on the premise of not violating
the interests of the customer and based on the impartial and objective position.

 

Article 3 both parties shall actively carry out extensive cooperation,
including information exchange, technological complementarity, market coordination, customer maintenance, new business development
and innovation.

 

Chapter ii rights and obligations of
both parties

 

Article 4 both party a and party b guarantee that they are legal
and effective business entities during the term of cooperation and abide by relevant national laws and regulations in business
cooperation. Party a shall respect party b's insurance brokerage business regulations and party b shall respect party a's insurance
business regulations and requirements.

 

     

     

    

 

Article 5 party a shall provide party b with the terms and conditions
of the insurance products, product training, necessary publicity materials and project quotation as required by party b. party
b shall assist party a to provide project risk assessment and insurance consulting services to the insured as required by the insurance.

 

Article 6 party a has the right to sign the contract, to interpret
the final terms, to issue the license, to inspect and determine the loss, and to settle the claim. Party b has the right to participate
and make Suggestions.

 

Article 7 party b shall not add, delete, modify or cover the
relevant contents of the insurance documents issued by party a.

 

Article 8 party a shall carry out risk investigation and claim
settlement of the cooperative business, and party b shall carry out communication and coordination between party a and customers.

 

Article 9 as the broker of the client, party b shall truthfully
inform party a of the facts and information it knows related to the insurance business, so that party a can make a decision on
whether to accept the insurance business. Party a reserves the right not to accept the insurance business recommended by party
b.

 

Article 10 party a shall bear the insurance liability arising
from party a's acceptance of the insurance brokerage business introduced by party b.

 

Article 11 party a shall not directly enter into an insurance
contract with a customer introduced by party b without party b's permission. Party b shall not without reason mobilize the clients
who have entered into insurance contracts with party a to seek insurance from other insurance companies, unless the insurance contracts
have expired and terminated

 

Article 12 after the signing of the insurance contract, party
b shall assist and urge the insurance applicant to pay the insurance premium within the agreed period. Upon receipt of the insurance
premium, party a shall pay the brokerage fee to party b within the agreed period.

 

Article 13 both parties shall, in accordance with the requirements
of circ, establish a standing book for insurance brokerage business and conduct financial management of the revenues and expenditures
of the insurance brokerage business handled.

 

Article 14 neither party shall assign any part or all of its
rights hereunder without the written permission of the other party.

 

Chapter iii commission payment standard

 

Article 15 commission payment account

 

     

     

    

 

Name of commission account designated by party b:

Bank of deposit:

Account number :

 

Article 16 commission standard. [according to the insurance
type, the commission rate shall be the highest standard for party a to pay the commission to party b.]

 

Property insurance:

 

	Corporate insurance	The rate of commission:____/ ___
	General home property insurance	The rate of commission:____/ ___
	Investment property insurance	The rate of commission:____/ ___
	Project risks	The rate of commission:____/ ___

 

Agricultural insurance (non-policy):

 

	Crop insurance	The rate of commission:____/ ___
	Aquaculture insurance	The rate of commission:____/ ___
	Forest insurance	The rate of commission:____/ ___

 

Liability insurance:

 

	Liability insurance	The rate of commission:____/ ___

 

Credit guarantee insurance:

 

	Credit insurance	The rate of commission:____/ ___
	Ensure that risk	The rate of commission:____/ ___

 

Vehicle insurance:

 

	compulsory insurance for traffic accident of motor-driven vehicle	The rate of commission: ____/ ___
	Business car insurance	The rate of commission: ____/ ___

 

Cargo insurance:

 

	Small vessels risk	The rate of commission:____/ ___
	Freight insuranc3	The rate of commission:____/ ___

 

Aerospace and energy insurance:

 

	Aviation insurance	The rate of commission:____/ ___
	Space insurance	The rate of commission:____/ ___
	Nuclear insurance	The rate of commission:____/ ___
	Oil insurance	The rate of commission:____/ ___

     

     

    

 

Accident health insurance (excluding critical illness insurance):

 

	General accident insurance	The rate of commission:____/ ___
	Investment accident insurance	The rate of commission:____/ ___
	General health insurance (non-special)	The rate of commission:____/ ___
	General health insurance (special)	The rate of commission:____/ ___
	Investment health insurance	The rate of commission:____/ ___

 

Other:

 

	None	The rate of commission:____/ ___

 

Special provisions for some types of insurance:

 

The commission rate of the above insurance products is the
upper limit to be paid by party a. party a's product line has specific standards for specific insurance products. The commission
rate of all products during the cooperation period shall be agreed upon by both parties.

 

At the same time, if the commission standard stipulated in this
contract needs to be adjusted according to the actual business development, both parties shall enter into a supplementary agreement
to re-stipulate the commission standard and the period of validity (not exceeding the period of validity of this contract) after
reaching an agreement through negotiation. Except for this contract and the supplementary agreement, the agreement on the commission
standard in any other form is invalid.

 

Chapter iv liability for breach of contract

 

Article 17 both party a and party b shall
abide by the business ethics in their business activities and jointly abide by the provisions of this agreement. In case of economic
losses and liabilities of the other party caused by the following ACTS, both parties shall bear the corresponding legal liabilities
in addition to the economic losses and liabilities for compensation of the other party:

 

I. after the termination of this agreement,
party a and party b shall continue to conduct insurance business in the name of the other party or Brokerage business and economic
losses caused to the other party;

 

2. Conspiring with the insured or any other
third party maliciously to deceive the other party by concealing major matters, thus causing major economic losses to the other
party.

 

Iii. If party b violates relevant laws
and regulations and fails to deal with customers' insurance requirements in accordance with the business procedures agreed upon
by both parties in advance, thus causing party a to assume the non-agreed losses or compensation liabilities.

 

     

     

    

 

Chapter v confidentiality

 

Article 18 without the consent of the other
party, either party shall not, in any way disclosed to a third party unrelated to this agreement any commercial information related
to this agreement, including but not limited to, cooperation content, cooperation way, the content of the project, customer information
and data, distribution of remuneration, both sides negotiate content, meeting minutes, and communications. Except in cases where
government regulators and the judiciary require investigations.

 

Chapter vi anti-money laundering provisions

 

Article 19 the parties agree that, we will
strictly in accordance with the anti-money laundering law of the People's Republic of China, the "provisions on anti-money-laundering
by financial institutions", "financial institutions customer identification and client id information and transaction
records management method" and other laws and regulations, party b shall assist party a to perform the obligation of anti-money
laundering work, according to regulators and identification of the relevant provisions about the customer, the customer risk hierarchy,
the requirements of client id information and transaction record keeping system, timely and fully provide the saved the client
identity basic information supplement form, client id information and transaction records.

 

Chapter iv liability for breach of contract

 

Article 17 both party a and party b shall
abide by the business ethics in their business activities and jointly abide by the provisions of this agreement. In case of economic
losses and liabilities of the other party caused by the following ACTS, both parties shall bear the corresponding legal liabilities
in addition to the economic losses and liabilities for compensation of the other party:

 

I. after the termination of this agreement,
party a and party b shall continue to conduct insurance business in the name of the other party or

 

Brokerage business and economic losses
caused to the other party;

 

2. Conspiring with the insured or any other
third party maliciously to deceive the other party by concealing major matters, thus causing major economic losses to the other
party.

 

Iii. If party b violates relevant laws
and regulations and fails to deal with customers' insurance requirements in accordance with the business procedures agreed upon
by both parties in advance, thus causing party a to assume the non-agreed losses or compensation liabilities.

 

     

     

    

 

Chapter v confidentiality

 

Article 18 without the consent of the other
party, either party shall not, in any way disclosed to a third party unrelated to this agreement any commercial information related
to this agreement, including but not limited to, cooperation content, cooperation way, the content of the project, customer information
and data, distribution of remuneration, both sides negotiate content, meeting minutes, and communications. Except in cases where
government regulators and the judiciary require investigations.

 

Chapter vi anti-money laundering provisions

 

Article 19 the parties agree that, we will
strictly in accordance with the anti-money laundering law of the People's Republic of China, the "provisions on anti-money-laundering
by financial institutions", "financial institutions customer identification and client id information and transaction
records management method" and other laws and regulations, party b shall assist party a to perform the obligation of anti-money
laundering work, according to regulators and identification of the relevant provisions about the customer, the customer risk hierarchy,
the requirements of client id information and transaction record keeping system, timely and fully provide the saved the client
identity basic information supplement form, client id information and transaction records.

 

Chapter vii term of cooperation and termination
of the agreement

 

Article 20 this agreement shall be effective
from October 27, 2016 and shall be terminated until December 27, 2021.

 

Within 30 days before the expiration of
this agreement, both parties shall sign a new cooperation agreement if they wish to continue the business cooperation relationship.
To terminate this agreement, the party proposing to terminate this agreement shall give fifteen (15) days' prior written notice
to the other party. This agreement shall terminate upon mutual agreement and written agreement between the parties.

 

Article 21 either party may notify the
other party in writing of any serious breach of the provisions hereof and reserve the right to recover from the other party for
the economic losses caused to the other party as a result of the breach.

 

Under any of the following circumstances,
either party shall have the right to unilaterally terminate this agreement at any time and the agreement shall terminate 15 days
after the other party receives the notice of termination of the insurance broker cooperation agreement:

 

     

     

    

 

1. One party has its insurance-related
business license revoked by the state insurance regulatory authority;

 

2. Either party violates the laws and regulations
of the state and the relevant contents of this agreement, and causes significant economic losses to the other party;

 

3. The intentional or negligent act of
one party causes major economic losses to the other party;

 

4. Either party fails to perform or breaches
its obligations under this agreement;

 

5. One party has seriously damaged the
credibility of the other party;

 

6. One party shall be investigated and
punished by the judicial department for other serious mistakes.

 

Article 20 upon termination of this agreement,
both parties shall unconditionally return the propaganda materials, important vouchers, other documents and articles delivered
by the other party.

 

 

Chapter vii dispute settlement

 

Article 22 any dispute arising from the
performance of the agreement shall be settled in a timely manner through friendly negotiation. If no settlement can be reached
through consultation, the party may file a lawsuit with the people's court in the place where the defendant is located.

 

Chapter viii supplementary provisions

 

Article 23 any amendment or supplement
to this agreement shall be made in writing.

 

Article 24 the agreement is made in duplicate,
with each party holding one copy. The agreement shall come into force upon being signed and sealed by the representatives of both
parties.

 

     

     

    

 

 

 

Representative of party a (signature)

 

 

 

 

 

Representative of party b (signature)Exhibit 10.10

 

 

 

Agreement on cooperation in insurance
brokerage business

 

 

 

 

 

 

Name of insurance company (party a) : Beijing
branch of China united life insurance co., LTD

 

 

 

 

Name of broker (party b) : zhejiang tianruixiang
insurance broker co., LTD

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

2017

     

     

    

 

Party a: Beijing branch of zhonghua union
life insurance co., LTD

Address: room 0301-1314, floor 3, building
1, yard 18, fengtai north road, fengtai district, Beijing

Zip code: 10016

Contact number :010-63809985

Fax: 01063801170

Legal representative (person in charge) :
wang xiaobin

Agent:

"Industrial and commercial business license"
certificate no. :103642887

Certificate no. :0001937

 

 

 

Party b: zhejiang tianruixiang insurance broker
co., LTD

Address: room 1106, building 2, xizi international
center, jianggan district, hangzhou city, zhejiang province

Zip code: 310016

Contact number :0571-87998526

Fax:

Legal representative: wang zhe

Agent:

Certificate no. :9133000050500720X

License to operate insurance brokerage business
certificate no. :0012530

 

In order to promote both parties of complementary
and mutually beneficial common development to further develop the insurance market guarantee insurance business behavior is legal,
fair and go smoothly, according to the insurance law of the People's Republic of China, the insurance brokerage institutions regulations
(revised in 2015) and other relevant state laws, regulations and administrative rules, with the consent of both parties friendly
consultation, insurance brokerage business cooperation matters, reach the following agreement:

 

I the general

 

Article 1 both parties shall carry out insurance
brokerage business cooperation in accordance with the principles of abiding by industry ethics, protecting the legitimate rights
and interests of both parties, equality and mutual benefit, sincere cooperation, paid services and common development. Both party
a and party b undertake to the other party that they will comply with all applicable laws, regulations and rules in the cooperation
and performance of this contract. Does not violate the legitimate rights of any third party.

 

Ii. Scope of cooperation

 

Article 2 based on the interests of the insurance
applicant or the insured, party b shall provide intermediary services for the insurance applicant to enter into an insurance contract
with party a (insurer) and shall charge intermediary fees (brokerage fee, the same hereinafter) to party a according to law. Party
a shall issue the insurance policy to the applicant, bear the insurance liability and pay the intermediary fee to party b.

 

     

     

    

 

Article 3 the scope of cooperation between
party a and party b shall include product recommendation, business cooperation and technical training support. Party a and party
b will also actively develop in-depth cooperation including information communication, technological complementarity, market coordination,
product development, research and innovation, etc. Both parties may negotiate and sign a specific cooperation agreement on one
of the above-mentioned cooperation projects.

 

Party b has no authority to issue orders,
investigate losses and settle claims; Party b shall not make any promise of insurance acceptance, claim or payment beyond the scope
authorized by party a to the applicant, insured or beneficiary. If party b exceeds the scope of authorization and damages the legitimate
rights and interests of party a, party a shall have the right to terminate this agreement and hold party b liable for breach of
contract at any time.

 

Article 4 party a and party b shall carry
out the above business cooperation within the scope of their joint operation approved by the regulatory authorities. The insurance
product scope of cooperation between party a and party b is listed in appendix 1 to this agreement.

 

Article 5 within the effective period of this
agreement, party a according to their own development needs, have the right to adjust or terminate the authorization of party b
sell party a's insurance products, but the adjust or termination, party a should advance written notice to party b, party b shall,
after receiving a written notice in accordance with the adjusted scope of authorized agent cooperation business or stop selling
life insurance product.

 

Iii. Term of cooperation

 

Article 6 from October 24, 2017 to October
23, 2020, party a and party b shall cooperate in the scope of cooperation set forth in articles 2, 3 and 4 of this agreement.

 

Article 7 during the term of this agreement,
either party shall request to terminate this agreement in writing to the other party. This agreement shall be terminated upon mutual
agreement and written agreement between the parties.

 

Iv. Rights and obligations of both parties

 

Party a and party b shall, in the spirit of
long-term cooperation and common development, support and cooperate with each other on all matters within the scope of cooperation.

 

     

     

    

 

Article 8 common obligations of both parties

 

(I) party b shall carry out insurance business
in accordance with the insurance law, regulations on the supervision of insurance brokers and other relevant laws and regulations
and regulations of regulatory departments.

 

(ii) both parties shall operate in strict
accordance with the provisions of this agreement. Neither party shall assign all or part of the rights hereunder to any third party
without the written permission of the other party.

 

(iii) party a and party b shall jointly standardize
the education of the insurance market, develop and improve the insurance market, conduct business in strict accordance with the
insurance law and other relevant laws, regulations and relevant provisions of the insurance regulatory authorities, and cooperate
in recommending insurance products in strict accordance with the business operation procedures agreed upon by both parties.

 

Article 9 rights and obligations of party
b

 

(a) party b in the process of business operation,
should be in line with the principle of utmost good faith, safeguard the legitimate rights and interests of policy-holder and ensure
a fair deal, timely to policy-holder, insurant of real situation (including health status, economic status), truthfully inform
the party a shall not cheat concealing important facts, and to the insurance to cover tip; Party b shall not incite the customer
to inform the customer of his or her health or financial condition.

 

(2) in the course of carrying out brokerage
business, an insurance brokerage institution and its employees shall not engage in any of the following ACTS of deceiving the applicant,
the insured, the beneficiary or the insurance company:

 

1. Conceal or make up important information
related to the insurance contract;

 

2. Misleading sales;

 

3. Forge or alter insurance contracts (including
but not limited to raising or lowering insurance rates, altering, forging or altering insurance contracts, relevant documents and
forms, etc.), sell fake insurance documents, or provide false certification materials for the parties to insurance contracts;

 

4. Hinder the applicant from performing the
obligation of truthful disclosure or induce the applicant not to perform the obligation of truthful disclosure

 

5. Enter into or modify an insurance contract
without authorization from the applicant or the insured or beyond the scope of the trustee;

 

     

     

    

 

6. Make up insurance brokerage business or
surrender insurance to get commission

 

7. Induce or collude with the applicant, the
insured, the beneficiary or any other third party to deceive party a;

 

8. Other ACTS that deceive the applicant,
the insured, the beneficiary or the insurance company

 

9. Misappropriating, withholding or encroaching
on the insurance premium, surrender fund or insurance money or other payment on behalf of others

 

10. To induce, impersonate or sign on behalf
of the applicant or the insured to make or sign the insurance contract without authorization:

 

11. To deceive or induce the customer in any
way to surrender, reduce or switch the insurance products purchased under this agreement to another insurance company.

 

(iii) party b shall receive training provided
by party a in respect of party a's products and business operation procedures;

 

(iv) when introducing insurance products and
engaging in relevant insurance brokerage business to the insured customers, party b shall use the terms and rates, insurance rules,
cash value statement, product specifications, application documents and relevant promotional materials provided by party a. Case
customers personalized, Yue make adjustment should be introduced only after consultation with party a's agreement to the customer.
Without the written permission of party a, the insurance clauses, premium rates and other documents related to party a provided
or made by party a shall not be modified or reproduced.

 

(5) to introduce the customer to party a by
party b when insurance products and engaged in the related insurance brokerage business, should promote party a's right of insurance
products, and the clauses of the insurance liability, hesitation period, exemption, expense deduction, cash value, termination
of the contract and the investment risk in the investment products are specified to policy-holder, don't exaggerate the interests
of the insurance contract or promise interests, besides the insurance contract shall not be in its own name without propaganda
of insurance products;

 

(vi) when engaging in the insurance brokerage
business of party a's products, party b shall abide by the insurance rules of party a, select the applicant who meets the insurance
conditions of party a, verify the identity of the applicant, guide the applicant to fill in the insurance letter correctly, and
require the applicant to make a handwritten copy of the relevant statement and signature; Party b shall not issue an insurance
contract in the name of itself or any other third party. Party b shall carefully review the completeness of the application form,
ensure that the applicant reads and understands the contents of the insurance contract, and sign and transcribe the applicant's
statement in writing;

 

     

     

    

 

(vii) party b shall ensure that it has a valid
license to operate insurance brokerage business and that it has registered its insurance brokers with the insurance intermediary
regulatory information system of China insurance regulatory commission before practicing:

 

In case of new insurance products such as
investment link, the insurance brokers of party b shall obtain the corresponding exhibition qualification;

 

(8) to party b in party a's products in the
insurance brokerage business, should appoint the safekeeping party a shall provide all kinds of files and documents, documents
management ledger timely, and have prepared documents issued, use, become invalid, missing timely records, inventories, and so
on and so forth, and timely and party a shall make corresponding documents and records the transition, and after the expiration
of the agency relationship, shall, within 30 days after the remaining documents and materials delivered to party a. Party b shall
not lend the business documents provided by party a to others or other units. If the aforesaid documents are damaged or lost due
to reasons attributable to party b, party b shall promptly notify party a in writing so that party a can deal with the loss of
warehouse. In case of loss of valuable documents and important documents, party b shall promptly notify party a in writing and
report the loss of relevant documents to party a, and party a shall register the loss and deal with the loss, and party b shall
bear the relevant expenses. If party b refuses to publish the statement of loss, party a shall publish the statement of loss and
party a shall have the right to recover from party b. if party b fails to comply with the provisions of this article, and the damaged
or lost valuable documents are maliciously used by others or other adverse consequences, party b shall bear all legal liabilities
arising therefrom. Meanwhile, party a may claim compensation from party b at 50% of the face value of the documents. The following
situations shall be deemed as document loss :(1) the document is indeed lost; (2) the document fails to be returned to party a
after the expiry date; (3) documents missing. (4) documents missing are found during regular inventory.

 

(9) party b shall, within two working days
upon receipt of the completed letter of insurance and other relevant documents, submit them to party a, and party a shall make
a decision on whether to accept the insurance or not. Party b shall not make any underwriting decisions on behalf of party a; Upon
receipt of the policy issued by party a, party b shall deliver it to the applicant within three working days.

 

(x) party b shall provide follow-up services
for the insurance policies sold by it, including on-site collection of various documents during offline sales, collection of documents
and materials related to the insurant, insured or beneficiary's application for insurance, change and insurance payment, and provision
of consulting services. Party b shall deliver the aforesaid documents, documents and materials to party a within two (2) business
days upon receipt thereof. Upon receipt of the policy issued by party a, party b shall deliver it to the applicant within three
working days.

 

     

     

    

 

(11) party b shall strengthen the business
management of its brokers. If party b's brokers violate the rules or engage in improper behaviors, party b shall promptly stop,
take remedial measures and notify party a, and cooperate with party a to investigate and solve the complaints against party b's
personnel in the course of engaging in the insurance brokerage business of party a's products.

 

(12) party b shall, in the course of business
cooperation, carry out customer identification and risk investigation as required by the regulatory authorities and perform anti-money
laundering obligations. Party b shall, in accordance with the requirements of the insurance policy provided by party a, retain
the customer's identity certificate and relationship certificate to ensure the identification of the customer. If any suspicious
transaction is found, party b shall immediately notify party a.

 

(13) the customer dispute with party a (including
litigation, arbitration disputes), or customer complaints to the insurance regulator, if disputes, complain brokerage behavior
with party b, party b shall, within 5 working days after receiving party a's notification, issue the seal of party b to party a
and signed by the solicitor fact sheet (including but not limited to: the customer complaint process condition, contracting party
b treatment measures, etc.). If it is found to be inconsistent with the facts after verification, party b shall issue a new fact
sheet.

 

(14) party b shall actively cooperate with
party a to implement the spirit of the document "management measures for service evaluation of insurance companies (trial)"
(CSSD (2015) no.75) issued by circ, and continuously improve the prescription of issuing new contracts and return visit prescription.

 

Article 10 rights and obligations of party
a

 

(I) party a shall not enter into and sign
the insurance contract without party b's direct introduction to the insured customer, unless the customer takes out insurance by
himself at the counter of party a or through other channels of party a.

 

(ii) party a shall not, without any reason,
reject the reasonable insurance requirements of the insured customers recommended by party b, except those that fail to meet the
underwriting conditions of party a after examination.

 

(iii) if party b deems it necessary to develop
new products in the market, party a shall actively cooperate with party a, and party a shall decide whether to develop new products
according to the market potential.

 

(iv) if party b violates laws, regulations
and regulations in the process of contracting the work, party a shall have the right to ask party b to correct the illegal and
illegal behavior. If party b refuses to correct, party a shall have the right to terminate the agreement and report to the regulatory
authority.

 

     

     

    

 

(v) party a shall pay to party b the brokerage
fee of the business recommended and contracted by party b in full and on time every month as agreed. Party a and party b enter
into a supplementary agreement on specific matters such as the products and service fee payment for which they have entered into
cooperation and shall execute the agreement in accordance with the provisions of the supplementary agreement. Late payment shall
be charged at the rate of 0.03% per day.

 

(vi) party a shall notify party b in writing
in advance of the suspension of sales of its products for some reason and cooperate with party b to complete the follow-up work
of the suspension.

 

(vii) party a shall provide relevant services
and support for party b to carry out insurance brokerage business in accordance with this agreement and its annexes.

 

V Settlement and payment of insurance premium
and service charge

 

Article 11 insurance premium and service fee
settlement

 

(I) premium collection method:

 

1. If party b does not collect the insurance
premium on its behalf, party b shall assist party a to collect the insurance premium of the applicant by way of transfer:

 

(ii) for the benefits to be paid to party
b by party a in this agreement, please refer to the appendix "payment method for handling fee of chunghwa life insurance agency"
(all fees include VAT);

 

(3) the payment of service fee must be made
in accordance with the principle of two lines of income and expenditure, and in accordance with the provisions of article (4) and
(5) of this article, both parties shall, after review, actually pay the account and underwrite the insurance fee on a monthly basis,
and the amount of insurance premium (paid-in insurance premium) has passed the hesitation period of the insurance contract to settle
the service fee;

 

(iv) handling fee accounting conditions:

 

(1) the premiums of the first period of life
insurance shall be calculated according to the following rules, and all policies in force shall be checked and confirmed by both
parties, and monthly commission fees (including sales commission, sales bonus and other commissions of the first period) shall
be calculated accordingly:

 

Insurance coverage: as of last day of last
month

Receipt time: before the 10th day of the current
month

Return visit time: before the 20th day of
the month (inclusive)

 

     

     

    

 

Hesitation period: before the 20th day of
the month (inclusive)

 

(2) the renewal premium of life insurance
shall be paid on the last day of the end of solstice of each month, and all policies in force confirmed by both parties shall be
accounted for the renewal commission of the current month (including the renewal commission, annual service allowance, continuation
rate bonus and other renewal procedures).

 

(5) terms of commission settlement

 

(1) party a shall provide party b with the
handling fee statement of the previous month (including the handling fee statement and the renewal commission statement) on the
21st day of each month, and party b shall seal and sign the statement after verification and confirmation, and issue a special
VAT invoice conforming to the relevant provisions before the 23rd day of each month. If party b has any objection to the statement
provided by party a, party a shall, within the time agreed herein, pay party b in advance the handling fee corresponding to the
business agreed upon by both parties. The handling fee for the objection of party b shall be paid by party a within a reasonable
time as required by party b after both parties reach an agreement and party a receives the invoice of the corresponding amount
issued by party b.

 

(2) unless otherwise provided for in this
agreement, party a shall, in accordance with the agreement of both parties, upon receipt of the special VAT invoice issued by party
b, pay the interest of the previous month to the special handling fee account designated by party b on the 28th day of each month:

 

Account name: zhejiang tianruisample insurance
broker co., LTD

Bank name: Bank of Ningbo Co., Ltd, hangzhou
branch

Account number: 71010122001582307

 

If the above account information needs to
be changed, party b shall notify party a in writing 30 days in advance. If party a pays to the original account before receiving
the notice, it shall be deemed as performance of the contract. Party a shall not bear any responsibility for the losses caused
thereby.

 

Vi. Confidentiality

 

Article 12 both parties are obliged to keep
confidential the trade secrets of the other party or the non-public and confidential documents and materials provided by the other
party. However, this shall not apply to the exercise or protection of rights arising out of or in accordance with this contract.

 

Without the consent of the other party, neither
party shall disclose the operation of the cooperative business to a third party

 

     

     

    

 

Party a and party b shall safeguard the legitimate
rights and interests of the customers. Either party shall be responsible to keep the trade secrets of the other party or the identity
information and transaction information of the customers it comes to know in the business process, shall not illegally obtain,
use, disseminate or resell the information of the customers, and shall not damage the market image and reputation of the other
party.

 

Without the written consent of party a and
the customer, both parties shall not use the customer information for purposes other than the insurance business of party a.

 

Article 13 without the written permission
of the other party, neither party shall reproduce, print, disseminate or disseminate through advertisements any non-public or confidential
documents, materials or other information related to the other party.

 

Article 14 whether this agreement is terminated,
rescinded or cancelled, the provisions of this contract regarding the confidentiality obligation of both parties shall remain valid.

 

Vii. Intellectual property rights

 

Article 15 the intellectual property rights
of all printed materials obtained by party b from party a shall be owned by party a. upon request of party a, party b shall immediately
return the unused materials. The intellectual property rights of party b's internal management process, business operating system
and customer risk management report, insurance plan, accident investigation report and claim solution shall be owned by party b.
Without the prior written consent of the other party, either party:

 

(1) shall not use or print any instrument,
picture or electronic media bearing the name or mark of the other party;

 

(2) shall not advertise or comment on any
publication or media in the name of the other party;

 

(3) shall not make any modification to the
other party's documents, except adding the name, office address, telephone number of the broker and the nature of the broker's
work;

 

(4) shall not use or register the other party's
name, trademark, mark or any part of the other party's name, trademark or mark

 

(5) shall not make any news release or promotional
statement about the other party or its subsidiaries or affiliates;

 

(6) shall not disclose the confidential information
or other similar information of the other party, or the business mode of the other party.

 

     

     

    

 

Article 16 without the prior written consent
of party a, party b shall not modify or reproduce the insurance terms, premium rates and other documents related to party a provided
or made by party a.

 

Viii. Modification, rescission and termination
of the agreement

 

Article 17 after this agreement comes into
force, neither party shall alter the terms and contents of this agreement without authorization.

 

Article 18 party a and party b may change
the contents of this agreement by consensus according to the needs of business development. Changes to this agreement shall be
made in writing and shall be annexed hereto and shall have the same effect as this agreement.

 

Article 19 if either party fails to realize
the purpose of signing the contract due to the other party's violation of the provisions hereof, it may notify the other party
in writing to terminate the agreement and claim compensation from the other party for the economic losses caused by its breach.

 

Article 20 the contract shall be terminated
under any of the following circumstances, and the debtor who is due to perform shall repay the debt in advance.

 

(I) if either party is unable to do business
in fact (such as suspension of business, bankruptcy, etc.) or legally unable to do business (such as revocation of practice certificate),
the other party may immediately propose to terminate the contract in writing, and the contract shall be terminated upon the other
party's receipt of the notice of termination;

 

(ii) the contract may be terminated by agreement
upon mutual agreement.

 

(iii) if party b continues to operate after
the termination of this contract (the company's business license is still valid), party a agrees to continue to pay party b the
annual renewal commission, continuance rate bonus and service allowance payable to party b in accordance with the provisions of
appendix 1 hereof in respect of the effective insurance contract successfully solicited by party b prior to the termination of
this contract. Party b agrees that the handling fee shall be deducted from any amount owed to party a by party b.

 

Article 21 under any of the following circumstances,
party a shall have the right to terminate this contract and no longer pay party b the brokerage fee and other relevant remuneration
for the corresponding business, and shall have the right to ask party b to compensate for the loss and submit it to the judicial
authorities for handling according to law if the case constitutes a crime:

 

(1) arbitrarily changing the insurance terms,
raising or lowering the premium rate

 

(2) fraud, breach of trust, forgery or alteration
of documents, materials or private seal in the insurance brokerage business;

 

     

     

    

 

(3) collude with the applicant, insured, beneficiary
or other third party to deceive party a

 

(4) to misappropriate or encroach upon or
withhold insurance premiums, insurance benefits or other payments on behalf of others;

 

(5) to alter, alter or forge insurance contracts,
relevant documents and forms;

 

(6) to induce, impersonate or replace the
signature of the applicant or the insured

 

(7) issue an insurance policy or document
an insurance contract without authorization

 

(8) to deceive or induce the customer in any
way to refund, reduce or convert the insurance products purchased under this agreement

 

To another insurance company

 

(9) other parties exceed the scope of cooperation
agreed herein or violate national laws and regulations, this contract or provisions of party a, or damage

 

The act of harming the interests of party
a or the applicant or the insured.

 

Article 22 in the course of cooperation, party
b shall have the right to unilaterally terminate the agreement under any of the following circumstances. If any economic loss is
caused to party b as a result, party a shall be liable for compensation. The subsequent benefits of the effective insurance contract
successfully solicited by party b before the termination of this contract shall be handled in accordance with article 19 (3) hereof.

 

(I) party a shall avoid party b to directly
sign insurance contracts with the customers introduced by party b, unless the customers purchase insurance at the counter of party
a or through other channels of party a

 

(ii) failure to timely pay brokerage fees
as agreed in this agreement and the supplementary agreement.

 

Article 23 upon termination of this agreement,
both parties shall unconditionally return the other party to the other party within 30 days from the date of termination of this
agreement

 

Important documents and other documents and
information that are not public and confidential.

 

     

     

    

 

Nine Liability for breach of contract

 

Article 24 both parties shall earnestly perform
this agreement in line with the principle of friendly cooperation between both parties and safeguarding the best interests of customers.

 

Article 25 any violation of laws, regulations
or regulations by either party during the term of the cooperative relationship shall constitute a breach of contract. The breaching
party shall compensate the other party for the losses caused to it.

 

Article 26 any performance of the agreement
by party a's employees shall be deemed as an act of party a, and the corresponding liabilities for breach of contract shall be
borne by party a

 

Article 27 the performance of this agreement
by party b and its sales personnel shall be deemed as an act of party b and the corresponding liabilities for breach shall be borne
by party b.

 

Article 28 if a party's breach of contract
seriously damages the interests of the other party and its customers or seriously damages the business letter of the other party

 

If the parties fail to reach a solution through
negotiation or if the breaching party refuses to stop the breach after dissuasion, the other party may immediately terminate this
agreement. The breaching party shall bear the corresponding legal responsibility and compensate the other party for its economic
losses

 

Article 29 in case of breach by party b, party
a shall have the right not to pay the fees of the policy of default involved and require party b to compensate for the losses of
party a, party a shall be entitled to deduct, in the subsequent payment of fees deducted from party a shall inform party b in writing
before and to get the written confirmation of party b, without the written confirmation of party b, party a shall not be entitled
to deduct.

 

Article 30. Party a shall have the right to
observe during the cooperation of all business investigations, such as the investigation found that party b has the violation behavior,
and the actual loss to party a, party a shall be entitled to require party b to assume responsibility and pay the corresponding
loss, party b shall be within 10 days after the actual loss to party a for compensation, if party b refuses to pay, party a is
entitled to deducted from fee to party b to cope with the loss of the corresponding amount.

 

Article 31 if party b violates laws and regulations,
insurance regulations or industry self-discipline, party a shall have the right to ask party b to correct the illegal behavior.
If party b refuses to correct, party a shall have the right to terminate the cooperation between both parties.

 

X Don't give up your rights

 

Article 32 the failure or delay of a party
to exercise one of its rights under this contract shall not constitute a waiver of such right by such party, and the exercise or
partial exercise of such right shall not prevent such party from exercising such right again in the future

 

     

     

    

 

Xi. Overall consensus.

 

Article 33 this agreement and its annexes
constitute the entire agreement between the parties with respect to this contract and supersede all prior consultations, negotiations
and agreements between the parties with respect to the subject matter.

 

Xii. Completeness

 

Article 34 this agreement and its annexes
shall comply with the requirements of laws and relevant regulatory provisions. When any part of the content fails to meet the requirements
of laws and relevant regulations due to the change of circumstances, the part shall lose its effectiveness. Such invalidation shall
not affect the validity of other parts and shall remain binding upon both parties as before.

 

Xiii. Dispute settlement

 

Article 35 any dispute arising from the performance
of this agreement between both parties shall be settled through friendly consultation in a practical and realistic manner. If no
agreement can be reached through negotiation, both parties may file a lawsuit with the people's court in the place where party
a is located.

 

14. Anti-money laundering cooperation

 

Article 36 anti-money laundering cooperation

 

Party a and party b in accordance with the
anti-money laundering law of the People's Republic of China and the financial institutions customer identification and client id
information and transaction records management measures, such as anti-money laundering laws, regulations and regulatory requirements,
provide the necessary help each other, to take effective customer identification and suspicious transactions recognition, earnestly
fulfill their anti-money laundering law obligation, promote the cooperation between the anti-money laundering.

 

(I) party b shall identify the customer's
identity in accordance with party a's anti-money laundering legal obligations;

 

(ii) when party b undertakes insurance business
with an insurance company, it shall provide the customer's identity information required by party a to identify the customer. When
necessary, a copy or photocopy of the customer's identity certificate or other identification documents shall be provided in accordance
with the law

 

     

     

    

 

(iii) party a shall provide party b with necessary
assistance such as training on behalf of party b in identifying customers, provided that party b shall identify customers on behalf
of party a, including but not limited to the following requirements:

 

1, for individual insurance premium of the
insured amount and more than 20000 yuan in cash to pay the insurance contract, insurance premiums and more than 200000 yuan in
the form of transfer the payment of the insurance contract, party a shall confirm the relationship between policy-holder and insurant,
checking the policy-holder and insurance of the insured, other than the statutory successors appoint beneficiary beneficiary of
the valid identity certificate or any other identity documents, registration of policy-holder, insurant to appoint beneficiary
beneficiary, other than the statutory successors the identity of the basic information, and keep a copy of the valid identity certificates
or other identification documents or photocopies

 

2. Party b shall forward to party a the copies
or photocopies of the identification documents stipulated in item 1 hereof.

 

3. Both parties shall designate specialized
personnel to jointly carry out and complete the anti-money laundering work that shall be carried out in accordance with the law
except as stipulated in item 1 of this paragraph.

 

4. In the course of soliciting business, party
b shall promptly report to party a any reasonable doubt on the identity of the customer or possible suspicious transactions. If
party a has doubts about the identity of the customer, party b shall, once again, personally check whether the original and photocopy
of the identity certificate of the applicant, the insured and the designated beneficiary other than the legal heir are consistent,
and confirm the relationship between the applicant and the insured.

 

5. If party a finds that the identity information
of party b's customers does not meet the requirements of laws and regulations when accepting the application for insurance, it
shall promptly notify party b. Party b will inform the customer of the supplement or correction according to the notice of party
a; If party a needs to investigate the true identity of the customer, party b shall provide assistance.

 

Fifteen business quality management

 

Article 37 in order to prevent the occurrence
of bad insurance policies, improve the business quality and promote the healthy development of the business of both parties, in
the principle of sincere cooperation, equality and mutual benefit, the parties agree as follows:

 

(a) a medical risk: party b in the brokerage
business as customers medical issues, should be accompanied by personnel customers to party a as required by a hospital designated
medical check-up, signed will be real and effective examination report and send to party a, such as appear PeiJian fraud behavior,
is testified, party a shall be investigated for party b's economic responsibility and legal liability.

 

     

     

    

 

(2) exhibition risks: exhibition risks mainly
include abnormal surrender and litigation and arbitration cases. Party a may deduct from the handling fee of the next month the
losses caused to party a by the abnormal return of the insurance caused by the illegal behaviors of party b and its employees upon
confirmation by both parties. Litigation and arbitration cases include litigation, arbitration or complaint against party a caused
by party b or party b's sales personnel for misdirection, signature on behalf of party b, fraud and other violations or failure
to perform the obligations agreed by party a and party b during the exhibition. Once party a by party b agent business litigation,
arbitration or complaint cases, disposal of cases, party b shall actively cooperate with party a if party b and their employees
that causes the losses of party a, party a has the right to require party b to assume and pay the corresponding losses, such as
overdue payment, party a is entitled to deduct losses from fee to party b deal with.

 

16. Customer information management

 

Article 38 to strengthen the management of
the authenticity of customer information, improve the quality of customer service and protect the legitimate rights and interests
of insurance consumers.

 

Through friendly negotiation, party a and
party b agree as follows on matters related to the authenticity management of customer information:

 

(1) the term "customer information"
as used in this agreement refers to the name, gender, date of birth, type and number of the identification document or identification
document of the applicant, the insured and the designated beneficiary, as well as the contact number and contact address of the
applicant and other customer personal information.

 

(ii) party b's insurance sales personnel shall,
in accordance with the principles of accuracy, completeness, safety and confidentiality, collect and record customer information
and submit the customer information to party a in a true and complete manner to ensure the needs of business operation and customer
service.

 

(iii) party a shall, in accordance with the
principles of legality, rationality, security and confidentiality, manage and use customer information, properly keep the personal
insurance business documents recording customer information, and take effective measures to ensure the safety of customer information
and prevent the disclosure of customer information.

 

(4) for the following customer information
is missing or wrong, party b shall promptly correct, supplementary correction does not grant to pay fees before completion, if
the fees have been paid, and when the next payment deduction: the applicant's name, sex, date of birth, certificate type, certificate
number, contact number and contact address; The name, sex, date of birth, type of certificate and certificate number of the insured;
The relationship between the insured and the applicant.

 

     

     

    

 

(v) if party b's branches or outlets refuse
to make any corrections, party a shall have the right to terminate the entrusted agency or cooperative relationship with party
b and report to the insurance regulatory authorities.

 

17 Commercial bribery is prohibited

 

Article 39 of party a or party b shall not
ask each other or each other agent or other relevant personnel for or receive any other interests, and the contract, including
but not limited Yu Mingkou, dark buckle, cash, gift CARDS, physical, negotiable securities, tourism and other non-material interests,
etc., but belong to industry practices such as the interest or usual practice, shall be stated in the contract. In addition, the
benefits stated in the contract must be transferred to the corporate account of the other party by way of transfer, and shall not
be paid to the individual by cash, transfer or any other means.

 

Article 40 both parties have the obligation
to strictly prohibit any commercial bribery by their agents. The company shall severely punish any party or party handling personnel
for any of the ACTS listed above. Where a crime is suspected, either party shall have the obligation to report the criminal act
to the judicial organ of the state in accordance with the law, so that the party or the person in charge of the business bribery
shall be punished by the criminal law.

 

Article 41 if one party or one party's handler
violates the relevant provisions prohibiting commercial bribery and causes losses to the other party, it shall be liable to the
other party for damages.

 

18. Crisis response mechanism

 

Article 42 in order to prevent and minimize
the economic losses and reputation losses caused by emergencies to both parties, party a and party b shall establish a joint emergency
handling mechanism for major events such as group visits, group complaints, group surrender and other major events that occur during
the process of party b providing brokerage services to party a. They shall jointly formulate measures for handling major incidents,
designate specialized personnel, set up emergency response teams, and establish a common information disclosure mechanism, so as
to timely and properly handle major incidents. The specific process operation may be separately agreed upon by both parties.

 

19. Customer dispute handling mechanism

 

Article 43 both party a and party b shall
actively deal with customer complaints, insurance surrender and other incidents at the first time, implement the system of responsibility
for the first question, and shall not shift responsibility to each other, so as to avoid the negative impact and the expansion
of the situation. In accordance with the provisions of the major incident handling measures jointly formulated by the two sides,
timely measures shall be taken for proper settlement. The specific process operation may be separately agreed upon by both parties.

 

     

     

    

 

20. Supplementary provisions

 

Article 44 anything not covered in this agreement
may be supplemented in writing at any time after the parties reach an agreement through consultation, which shall be an integral
part of this agreement and shall have the same effect as this agreement.

 

Article 45 while both parties perform this
agreement, party b shall comply with relevant provisions of party a's "China life insurance intermediary channel management
measures".

 

Article 46 notification obligation

 

1. The notice given by either party in this
contract shall be communicated to the other party in writing.

 

2. Either party shall promptly notify the
other party of any change in its mailing address or fax number; In the absence of such notice, any notice given by either party
to the mailing address or fax number last given by the other party shall be deemed to have been served on the other party.

 

Article 47 annex to this agreement:

 

Payment method for handling fee of zhonghua
life insurance

 

Article 48 this agreement is made in quadruplicate,
with each party holding two copies. The agreement shall come into force only after it is signed and sealed by the legal representatives
(responsible persons) or authorized representatives of both parties.

 

(no text at the bottom of this page)

 

     

     

    

 

Party a :(official seal)

Legal representative (person in charge)/ authorized
representative:

Date of signing

 

 

 

Party b :(official seal)

Legal representative (person in charge)/ authorized
representative:

Date of signing

 

 

Signed in: Beijing

 

     

     

    

 

Attachment: payment method for handling
fee of zhonghua life insurance agency

 

I. general description

 

1. These measures are the annex to the professional
brokerage/agency cooperation agreement signed between zhonghua union life insurance co., ltd. and the agent. They are applicable
to the personal life insurance business.

 

2. These measures stipulate the commission
bonus method for sales through agency channels. Supplementary explanations may be given to the handling fee method for new products
marketed by the company after the promulgation of such method or to the matters renegotiated through consultation.

 

II, poundage pays method

 

These measures include three parts :1. Handling
fee,2. Service allowance for renewal of the year, and 3. Continuation rate bonus.

 

The standard premium calculation method in
these measures is: premium of each product in the first year × conversion coefficient, where the conversion coefficient is
Min(each

Premium payment period /10,1).

 

1. Handling fee:

 

Including sales commission, sales bonus, renewed
annual commission three parts, monthly settlement. The calculation formulas are as follows:

 

Sales commission = first year paid premiums
 × sales commission rate

 

Sales bonus = first year paid premiums ×
sales bonus rate

 

Renewal annual commission = renewal annual
paid-in premium × renewal annual commission rate

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