Document:

Exhibit 10.13

 

Contract Number: 

 

Business Cooperation Agreement

 

Party A: Shenzhen Dadi Xintong Guarantee
Co., Ltd. 

Registered Address: A4-17, No.108 Lijia Road, Henggang Street,
Longgang District, Shenzhen City.

 

Party B: Shenzhen HeZhong Fortune Finance
and Investment Management Co., Ltd. 

Registered Address: Room 201, Building A, Qianwan 1st
Road, Qianhai Shenzhen-Hongkong Cooperation District, Shenzhen City.

 

Party A establishes
business cooperation relationships with Party B. Party B provides guarantee services for the Party A’s platform users. In
order to regularize the behavior of each parties, to set up a stable, good relationship of business support and cooperation, and
to prevent business risks, both parties are voluntary to sign this agreement based on the relevant laws and regulations and the
regulations of national authorities.

 

Article One Statement and Guarantee of Both Parties

 

Party A is an institution
which has the subject qualification and enough ability to fulfill the guarantee responsibility, engaging in guarantee and its
related business and registered according to the law. It is internally authorized for Party A to establish business cooperation
relationship with Party B. Within the cooperation period, Party A shall follow the rules and regulations of the national authorities
and run properly. The materials provided by Party A to Party B shall be true, complete and valid.

 

Party B is an Internet
Finance Information Services Platform which registered and established according to the law. It is internally authorized to establish
guarantee business cooperation relationship with Party A.

 

Article Two Business Cooperation Content

 

Party A shall provide
an irrevocable guarantee of joint and several liability for the timely payment of the financing project applied by Party B’s platform
users. In case of overdue repayment of the financing project applied by the platform users, Party A shall make advance payment
for the financing project of Party B’s platform users.

 

The guarantee liability
of Party A is independent from the principal agreement guaranteed, and shall not affect the guarantee effect due to various circumstances
such as the invalidity, revocation or rescission of the main agreement.

 

The specific cooperation content of guarantee between Party
A and Party B shall be subject to the “Agreement on Guarantee Service” signed by Party A, Party B and users of Party
B’s platform.

 

     

     

    

 

Article Three Guarantee Deposit

 

Party A shall open a guarantee deposit account
in Party B’s fund circulation system (Bank depository system and Third-party payment system) and pay a certain amount of funds.

 

If any business between
Party A and Party B constitutes a breach of contract, or any loan between Party A and other financial institutions constitutes
a breach of contract, Party B shall have the right to terminate the business cooperation with Party A and require Party A to fulfill
all guarantee responsibilities in advance.

 

Article Four Term of Business Cooperation

 

The term of business
cooperation between Party A and Party B shall be one year, starting from the effective date of this agreement. After the termination
of the term, the guarantee business that has occurred shall not be affected by the termination. Party A’s guarantee responsibility
shall remain until all the creditor’s rights under the main agreement are realized.

 

Article Five Guaranty Period

 

Party A’s guaranty period
for the financing project of Party B’s platform users shall be two years from the day after the debt maturity determined by the
main agreement. If the loan is recovered in advance due to the main agreement, the guaranty period shall be two years from the
day after the payment date notified to the principal debtor by Party B.

 

Article Six Business Operation

 

If the mortgage or pledge
guarantee co-exists with the principle creditor’s right, Party B shall have the right to require Party A to undertake the
guarantee responsibility first and Party A cannot raise a plead due to this reason, regardless of whether the mortgage (pledge)
is provided by the principal debtor or a third party.

 

After Party A repays
the debts for the principle debtor, Party B shall actively cooperate with Party A to take recourse against the principal debtor.

 

Article Seven The Obligatory and Specific Standards of Guarantee
Responsibility

 

Under any of the following
circumstances, Party B shall have the right to require Party A to perform or perform in advance the guarantee responsibility and
deduct the corresponding amount from the margin account for the purpose of paying the financing project of Party B’s platform users.

 

(one) The principal debtor’s debt
(including principal and interest) reaches the debt maturity or reaches the debt maturity in advance;

 

(two) Liquidated damages of the principal
debtor paying by installments accounts for more than 3% of the principal balance of the guaranteed creditor’s right;

 

(three) Any occurrence of the principal
debtor that may endanger the security of the creditor’s rights of Party B’s platform users;

 

    2

     

    

 

(four) Other circumstances in which Party
B has the right to require Party A to perform or perform in advance the guarantee responsibility according to law or the agreement.

 

Article Eight Responsibility for breach of Agreement

 

If Party A violates
the agreement, Party B shall have the right to terminate the business cooperation with Party A and shall have the right to decide
whether to require Party A to perform all guarantee obligations in advance.

 

If any business between
Party A and Party B constitutes breach of the agreement, or any loan between Party A and other financial institutions constitutes
breach of the agreement, Party B shall have the right to terminate the business cooperation with Party A and require Party A to
fulfill all guarantee responsibilities in advance.

 

Article Nine Settlement of Disputes

 

Any dispute arising from the performance
of this agreement shall first be settled by both parties through negotiation. If no agreement can be reached through negotiation,
the dispute shall be settled through litigation in the court of the place where Party B is located.

 

Article Ten Supplementary Article

 

The agreement is
made in duplicate and each of them has the equal legal effect. The agreement comes into force upon being signed (stamped)
by both parties.

 

(The remainder of this page is intentionally left
blank)

 

(Signature Page)

 

Party A: Shenzhen Dadi Xintong Guarantee Co., Ltd. (Stamped)

 

Legal Person:

 

Authorized Agent:

 

Party B: Shenzhen HeZhong Fortune Finance and
Investment Management Co., Ltd. (Stamped)

 

Legal Person:

 

Authorized Agent:

 

Date of Signature: December 18, 2017

 

    3

     

    

 

Business
Cooperation Agreement

Supplementary
Agreement One

 

Party
A: Shenzhen Dadi Xintong Guarantee Co., Ltd.

Registered
Address: A4-17, No.108 Lijia Road, Henggang Street, Longgang District, Shenzhen City.

 

Party
B: Shenzhen HeZhong Fortune Finance and Investment Management Co., Ltd.

Registered
Address: Room 201, Building A, Qianwan 1st Road, Qianhai Shenzhen-Hongkong Cooperation District, Shenzhen City.

 

Whereas:

 

Party
A and Party b signed the Business Cooperation Agreement (hereinafter referred to as the “original agreement”) No. [20180003]
on [December] [18], [2017]. In accordance with the contract law of the People’s Republic of China and other relevant laws and
regulations, both parties hereby reach an agreement through consultation and agree to supplement the cooperation contents of the
original agreement for mutual compliance:

 

One.
The “fee collection standard” clause of loan product for automobile mortgage and pledge was added in the original
agreement, and the specific provisions are as follows:

 

1.
Party A shall provide paid guarantee to the lender for the borrower matched by Party B on the platform. Party A shall have the
right to charge the borrower a guarantee fee [2%] of the total principal payable. Party B’s platform shall provide such convenience
as charging reminder, collection, collection and payment on behalf of Party A and transfer the borrower’s guarantee fee to Party
A.

 

2.
In order to facilitate the loan transaction between the borrower and the lender, Party B provides the corresponding transaction
service, and the borrower shall pay Party B a comprehensive service fee equal to 3% of the principal amount payable. Party A shall,
including but not limited to the repayment on behalf of Party B, provide such continence as charging reminder, collection, collection
on behalf of Party A and transfer the comprehensive service fee paid by the borrower to Party B.

 

Two.
This supplementary agreement is an integral part of the original agreement and has the same legal effect as the original agreement.
In case of any conflict with the original agreement, this agreement shall prevail; provisions not covered herein shall be governed
by the original agreement.

 

Three.
This agreement is made in duplicate, with each party holding one copy and each copy having the same legal effect.

 

(The
remainder of this page is intentionally left blank.)

 

Party
A: Shenzhen Dadi Xintong Guarantee Co., Ltd. (Stamp)

[Corporate
seal affixed herein]

 

Party
B: Shenzhen HeZhong Fortune Finance and Investment Management Co., Ltd. (Stamp)

[Corporate
seal affixed herein]

 

Date
of Signature: January 3, 2018

 

    4

     

    

  

Business
Cooperation Agreement

Supplementary
Agreement Two

  

Party
A: Shenzhen Dadi Xintong Guarantee Co., Ltd.

Registered
Address: A4-17, No.108 Lijia Road, Henggang Street, Longgang District, Shenzhen City

 

Party
B: Shenzhen HeZhong Fortune Finance and Investment Management Co., Ltd.

Registered
Address: Room 201, Building A, Qianwan 1st Road, Qianhai Shenzhen-Hongkong Cooperation District, Shenzhen City

 

Whereas:

 

Party
A and Party B signed the Business Cooperation Agreement (hereinafter referred to as the “original Agreement”)
and Supplementary Agreement One No. [2018003] on [December] [18], [2017]. In accordance with the contract law of the People’s
Republic of China and other relevant laws and regulations, both Parties hereby reach an agreement through consultation and agree
to supplement the cooperation contents of the original Agreement:

 

Article
1 Party A shall, in accordance with the provisions of the original Agreement and its supplementary Agreement, check with Party
B the technology service fees attributed to Party B that Party A shall transfer to Party B within 5 working days after the end
of every three months. And Party A confirms that no matter what happens, Party A shall ensure that the 3% of technology service
fees agreed in the original Agreement and its supplementary Agreement are transferred to Party B.

 

Article
2 Party A shall, within 10 working days after the end of every 12 months, agree an unconditional and one-off technology service
fees payment to Party B, the amount of technology service fees shall be previously confirmed by both parties every three months.

 

Article
3 According to the above Article 2, if Party A fails to transfer the technology service fees which are attributed to Party B in
full and on time, Party B shall charge Party A at the penalty rate of 0.05% of technology service fees per day for each day delayed.

 

Article
4 This supplementary Agreement is an integral part of the original Agreement and has the same legal effect as the original Agreement.
In case of any conflict with the original Agreement, this supplementary Agreement shall prevail.

  

(The
remainder of this page is intentionally left blank.)

 

Party
A: Shenzhen Dadi Xintong Guarantee Co., Ltd.

Signed
and Stamped:

[Corporate
seal affixed herein] 

 

Party
B: Shenzhen HeZhong Fortune Finance and Investment Management Co., Ltd.

Signed
and Stamped: 

[Corporate
seal affixed herein]

 

Date
of Signature: January 5, 2018

 

    5

     

    

  

Business
Cooperation Agreement

Supplementary
Agreement Three

 

Party
A: Shenzhen Dadi Xintong Guarantee Co., Ltd.

Registered
Address: A4-17, No.108 Lijia Road, Henggang Street, Longgang District, Shenzhen City.

 

Party
B: Shenzhen HeZhong Fortune Finance and Investment Management Co., Ltd.

Registered
Address: Room 201, Building A, Qianwan 1st Road, Qianhai Shenzhen-Hongkong Cooperation District, Shenzhen City.

 

Whereas:

 

Party
A and Party B signed the Business Cooperation Agreement (hereinafter referred to as the “original agreement”) No. [20180003]
on [December] [18], [2017]. In accordance with the contract law of the People’s Republic of China and other relevant laws and
regulations, both parties hereby reach an agreement through consultation and agree to supplement the cooperation contents of the
original agreement for mutual compliance:

 

One.
The “fee collection standard” clause of consumer loan or credit loan is added in the original agreement, and the specific
provisions are as follows:

 

1.
Party A shall provide paid guarantee to the lender for the borrower matched by Party B on the platform. Party A shall have the
right to charge the borrower a guarantee fee not exceeding [9%] of the total principal payable. Party B’s platform shall provide
such convenience as charging reminder, collection, collection and payment on behalf of Party A and transfer the borrower’s guarantee
fee to Party A.

 

2.
In order to facilitate the loan transaction between the borrower and the lender, Party B provides the borrower with the technical
services of the platform, including charging reminder, collection, collection and payment on behalf of Party A, and the borrower
shall pay the technical service fee to Party B based on [13.5%] of the total principal payable. In the case of overdue payment
by the borrower, Party A collects fees from the borrower on behalf of Party B. After collecting technical service fees from the
borrower, Party A shall transfer the service fees collected to Party B regularly.

 

3.
To facilitate the borrower to pay the technical service fee, Party B entrusts Party A to collect the technical service fee from
the borrower. After receiving the technical service fee from the borrower, Party A shall transfer the service fee to Party B regularly.

 

Two.
This supplementary agreement is an integral part of the original agreement and has the same legal effect as the original agreement.
In case of any conflict with the original agreement, this agreement shall prevail; provisions not covered herein shall be governed
by the original agreement.

 

Three.
This agreement is made in duplicate, with each party holding one copy and each copy having the same legal effect.

 

(The
remainder of this page is intentionally left blank.)

 

Party
A: Shenzhen Dadi Xintong Guarantee Co., Ltd. (Stamp)

[Corporate
seal affixed herein]

  

Party
B: Shenzhen HeZhong Fortune Finance and Investment Management Co., Ltd. (Stamp)

[Corporate
seal affixed herein]

 

Date
of Signature: January 8, 2018

 

    6Exhibit 10.14

 

Information
Service Cooperative Agreement

 

(Taojinyun
Products)

 

Party
A: Shenzhen HeZhong Fortune Finance and Investment Management Co., Ltd, Guangzhou Branch

Address:
12 Floor, Guangwu Center, 21 Xingguo Road, Tianhe District, Guangzhou

Contact
Person: Zichao Feng

Tel:
18126790511

 

Party
B: Beijing Rongqiniu Information Technology Co., Ltd

Address:
21 Floor, Internet financial center, 1 Dansuo Street, Haidian District, Beijing

Tel:
(86-10) 82625755

 

In
order to promote the healthy development of the business of both parties, Party A and Party B reach the cooperation agreement
through friendly consultation on the principle of “equality and mutual benefit, common development and complementary advantages”.
Both parties undertake to abide by the terms and conditions of this agreement.

 

Article
One Cooperation Matters

 

1.
Entrusted by Party A, Party B shall provide relevant services such as business information recommendation, site materials pre-examination
and other related services to the loan relationship that may happen between Party A and the loan applicant (hereinafter referred to as
“loan applicant”) recommenced by Party A to Party B, and cooperate with Party A in carrying out relevant business.

 

2.
The channels for Party B to promote business for Party A include but not limited to the Rong360 website (www. rong360. com) operated
by Party B and the service outlets of Party B.

 

3.
The cooperation between Party A and Party B involved in this cooperation agreement is non-exclusive cooperation.

 

Article
Two Party A’s obligations and rights

 

1.
Party A shall guarantee that it is legally qualified to engage in the business of providing loans to loan applicants.

 

2.
Party A shall clarify to Party B the standards of the loan products provided by Party A (hereinafter referred to as “products”)
and the applicant for the loan, and promptly update relevant information to Party B.

 

3.
Party A has a complete right of examining, approving and deciding to the loan application of loan applicant.

 

4.
Party A shall provide the timely feedback of the real exam and approval result to Party B.

 

5.
Any dispute arising from the approval results or loan issues of Party A and the loan applicant shall be settled through negotiation
between Party A and the loan applicant.

 

6.
If Party A rejects the loan application which does not conform to Party A’s requirements, it shall feedback the reasons
for rejection to Party B, so as to facilitate Party B to improve in screening customers.

 

7.
For the same product, Party A shall not apply discriminatory policies to the loan applicant recommended by Party B.

 

The
discriminatory policy means that the borrower applies for Party A’s products through Party B’s platform, which is
obviously at a disadvantage compared with applying for Party A’s products directly through the relevant websites, Apps,
WeChat Official Accounts and other channels, including but not limited to:

 

(1)
Party A generally uses higher payment rate, interest rate or lower loan amount for loan applicants recommended by Party B.

 

(2)
Party A adopts stricter re-loan preferential policy or re-loan loan amount increasing policy for the loan applicant recommended
by Party B.

 

(3)
Party A expresses or implies the loan applicant recommended by Party B who can get better treatment if he/she applies for the
loan through Party A’s relevant website, APP, WeChat Official Accounts and other channels.

 

(4)
Party A expresses or implies the loan applicant recommended by Party B who should abandon the Party A’s product on the Party
B’s platform.

 

8.
Party A shall not guide users to Party A’s website, APP, WeChat Official Account and other channels controlled by Party
A through text messages and phone calls.

 

9.
If Party A needs to adjust the type of loan products, application conditions and other contents, it shall notify Party B at least
seven working days in advance for Party B to update.

 

10.
If Party A obtains the relevant information of the loan applicant in accordance with this agreement, it shall guarantee that it
has obtained the full authorization of the loan applicant and shall only use the information of the loan applicant in the process
of this loan.

 

11.
Party A shall timely notify Party B of any operation activities such as interest rate discount for Party A’s loan products
so that Party B can cooperate with Party A’s operation activities.

 

     

     

    

 

Article
Three Party B’s obligations and rights

 

1.
Party B shall guarantee that it is legally qualified to engage in the business of providing loans to loan applicants.

 

2.
Under the authorization of the loan applicant, Party B shall provide Party A with the information of the loan applicant confirmed
by both parties and collect the materials required for the loan. Party B shall guarantee the integrity of the information provided
by Party A regarding the user self-statement and verification information checked by Party A in the background system provided
by Party B.

 

3.
The information of the loan applicant provided by Party B to Party A is based on the voluntary filling or authorization of the
borrowing applicant to obtain from the third party institution. Party B shall not be ultimately responsible for the authenticity
of the borrower’s information. Party B has the right to adjust the functional policies in the background system provided
by Party A. Party B will notify the background system. If Party A does not accept Party B’s above adjustments, Party B has
the right to terminate the business with Party B after receiving the adjustment policy notice from Party B.

 

4.
Party B will not participate in or affect the examination and approval of Party A. If the applicant fails to return the loan to
Party A on time or has any dispute with Party A about the business, Party A shall be responsible for the risk and expense and
shall have nothing to do with Party B. Party B shall not use the resources provided by Party A under this agreement for the purpose
of providing services to Party A as a result of this agreement to engage in activities other than the promotion agency of this
business, customer recommendation or customer service quality control.

 

5.
Party B’s quotation will be adjusted according to actual condition. Party B will inform Party A of the adjusted price 14
days in advance. If Party A has no objection on this, the adjusted price shall be taken as the execute basis of the new price.
If Party A fails to give feedback on the price adjustment within 5 working days after Party B’s notification, it shall be
deemed that Party A agrees to the adjusted price. If both parties fail to reach an agreement on the price adjustment, both parties
shall have the right to terminate this agreement.

 

6.
Party A agrees that during the term of cooperation between both parties, Party B may use Party A’s name, trademark or logo
free of charge, or use Party A’s products or services as examples and indicate the names, trademarks or logos of both parties
for the purpose of promotion and publicity.

 

Article
Four Terms of Payment

 

1.
After Party B provides Party A with qualified loan applicant information in accordance with this Agreement, Party B may charge
Party A according to the price offered in the back-end system provided by Party A and deduct it from Party A’s prepaid service
fee. The offer shall be decided by Party A, but shall not be lower than the minimum price specified by Party B, otherwise the
offer will be invalid. The minimum price specified by Party B shall be executed according to the standards published on Party
B’s platform, Party B shall have the right to specify different minimum prices according to the qualifications of applicants.

 

2.
If the loan product provided by Party A belongs to the pre-credit product or the revolving credit product, if the loan applicant
has been credited by Party A before Party B’s introduction, Party B shall charge the corresponding amount of service fee
from Party A’s prepayment if the loan applicant applies for withdrawals through Party B to Party A each time. In case the
loan applicant has not been granted credit by Party A, if the loan applicant applies for Party A’s credit through Party
B, Party B shall have the right to collect the corresponding amount of service fee from Party A’s prepayment. Within the
next five days, Party B shall not collect service fee from Party A if the applicant applies for first withdrawals through Party
B to Party A. However, five days after the date of Party A’s grant of credit, Party B has the right to collect service fees
from Party A and deduct the corresponding service fees from Party A’s prepayment. The specific charging standard of Party
B shall be implemented according to the standards promulgated on Party B’s platform.

 

3.
For the following three types of loan applicants, even if they meet the borrower’s standards confirmed by both Parties,
Party A shall have the right to refuse to accept the applicant without paying the relevant fees under the premise that it agrees
and complies with the relevant provisions of paragraphs 4 and 5 of this Article.

 

1.
Due to the previous serious delinquent behavior of the borrower in the historical loan process of Party A, the loan applicant
is in Party A’s internal blacklist according to the general loan policy of Party A. The loan applicant shall not apply for
new loan from Party A in any way (but not include the list of various blacklist users obtained by Party A from outside).

 

2.
The applicant has applied for Party A’s products (not limited through the platform of Party B) within one month and has
been rejected by Party A.

 

3.
The loan applicant has not settled the loan or is in the approval process (within 2 days after Party A starts the approval process),
and the applicant cannot apply for the loan again at this time according to Party A’s general loan policy.

  

4.
Party A shall comply with the following provisions when exercising its rights under paragraph 3 of this Article.

 

1.
Party A shall clearly inform Party B of the specific category of the loan applicant in paragraph 3 of this Article.

 

2.
Party A shall guarantee that the above information is true and accurate. If Party B takes it for necessary, Party A shall provide
relevant supporting materials.

 

3.
Party A shall inform Party B of the above reasons in real-time through the network interface, and shall not trace back. Party
A shall bear the losses caused by its interface failure or logic error, and Party B shall not deduct or reduce expenses.

 

    1

     

    

 

5.
Party B shall have the right to show directly to the loan applicant the reasons for refusal provided by Party A to Party B in
accordance with paragraph 3 of this Article. In case of any dispute or complaint brought by the borrower, Party A shall negotiate
with the loan applicant for settlement. If Party B’s loss is caused by Party A’s false information, Party A shall
compensate Party B 50,000 yuan as the penalty. If the penalty is insufficient to compensate Party B’s loss, Party A shall
continue to compensate Party B’s loss.

 

6.
Within 5 days after the effective date of this Agreement, Party A shall pay Party B a prepaid service fee of 50,000 yuan within
5 working days. Party B shall open an invoice for the same amount after receiving the payment from Party A. The prepayment shall
be displayed in the background system provided by Party B. During the validity period of the Agreement, Party A shall renew the
fee when the balance of use is less than 5,000 yuan, and the amount of each recharge is not less than 45,000 yuan. Party B has
the right to suspend the service or terminate this Agreement when Party A deducts the prepaid service fee to 0 yuan and fails
to make up the prepayment. If Party A fails to use up the prepayment within the validity period of the Agreement and both Parties
sign the renewal agreement, Party A may continue to use the fee in accordance with the agreement. If Party A fails to use up the
prepayment within the validity period of the Agreement and both Parties do not sign the renewal agreement, Party B shall refund
Party A’s remaining inquiry fee in accordance with the original financial path within 10 working days from the expiry date
of this Agreement, but Party B has the right to deduct the tax points of the invoice.

 

7.
The service fee paid by Party A to Party B includes taxes. Party A and Party B shall pay their respective taxes by themselves.

 

Party
B’s bank account information:

 

Account
Name: Beijing Rongqiniu Information Technology Co., Ltd

Account
Number: 110929503610806

Bank
of Deposit: China Merchants Bank Co., Ltd., Beijing Wantong Center sub-branch

 

8.
Party A shall provide correct and effective billing information and relevant supporting documents. Party A shall bear all losses
caused to Party B if Party B’s wrong invoice information incurred by Party A’s mistake.

 

Article
FiveConfidentiality Clause

 

1.
Party A shall only use the borrowers’ information provided by Party B for its own related products, and shall not disclose
any information of the borrowers to a third Party (except as required by law).

 

2.
Any Party to this Agreement shall have the obligation to keep confidential the cooperative information and trade secrets that
the other Party has not disclosed to the public in the course of cooperation. Except as otherwise stipulated by law, no Party
shall disclose them to a third Party without the written permission of the other Party, nor shall they be used for any purpose
other than this cooperative project, otherwise they shall bear the responsibility for breach of Agreement and compensate for the
loss.

 

3. The
confidentiality obligation set forth in this Article shall remain effective no matter the termination or early termination
of this Agreement.

 

Article
Six Period of Time

 

1.
This Agreement shall come into force from 13th November 2017 on the date of signing and sealing by both Parties, and shall terminate
on 12th November 2018.

 

2.
Upon the expiration of this Agreement, without objection from both Parties, cooperation on matters agreed upon in this Agreement
may continue, and the Agreement shall be automatically extended for one year.

 

3.
Unless otherwise agreed herein, either Party shall have the right to terminate this Agreement upon one month’s prior notice
to the other Party without any liability, provided that both Parties shall perform all rights and business incurred prior to such
termination.

 

4.
Both Parties confirm that the following addresses are the service addresses for receiving the notification:

 

Party
A: Shenzhen HeZhong Fortune Finance and Investment Management Co., Ltd, Guangzhou Branch

Address:
12 Floor, Guangwu Center, 21 Xingguo Road, Tianhe District, Guangzhou

Contact
Person: Feng Zichao

Email:
fzc@hzed.com

 

Party
B: Beijing Rongqiniu Information Technology Co., Ltd

Address:
21 Floor, Internet financial center, 1 Dansuo Street, Haidian District, Beijing

Contact
Person: Sun Bolang

Email:
sunbolang@rong360.com

 

5.
Either Party shall send goods to the other Party by express mail or registered mail at the service address mentioned above, the
delivery shall be deemed to be made after the receipt by the other Party or sending of the goods three days later (the date of
occurrence shall prevail). If either Party changes its address, it shall promptly notify the other Party in writing; otherwise,
the above addresses (or the original addresses) shall still be deemed as the real and valid addresses.

 

    2

     

    

 

Article
Seven Liabilities for Breach of Agreement

 

1.
Any Party who violates any of the provisions of this Agreement, fails to fulfil its obligations or its performance of obligations
is not in conformity with the provisions of this agreement shall be deemed to have violated its obligations under this Agreement.
The non-breaching Party shall have the right to issue a written notice to the breaching party to correct its breach within three
days from the date of receiving the written notice. If the breaching Party fails to correct or fails to correct the breach within
the time limit, the non-breaching Party shall have the right to immediately terminate this Agreement and require the breaching
Party to compensate for all losses caused by the breach.

 

2.
If any Party causes losses to the loan applicant or any third Party due to the intentional or gross negligence of the other Party
(hereinafter referred to as the “fault Party”), the fault Party shall bear all the liabilities arising therefrom.

 

3.
If Party A delays payment, it shall pay Party B a liquidated damages equal to 0.05% of the service fee payable for each overdue
day. Party A shall also be liable for damages caused by delayed delivery to Party B.

 

Article
Eight Anti-commercial Bribery Clause

 

1.
Both Parties hereto understand and are willing to strictly abide by the legal provisions on anti-commercial bribery in People’s
Republic of China. Both Parties hereto understand that any form of bribery and malfeasance shall violate the law and shall be
severely punished by the law.

 

2.
Party A or Party B shall not claim, accept, provide or give any interest other than that stipulated in the Agreement to the other
Party or its agent or other relevant personnel, including but not limited to kickbacks, hidden kickbacks, cash, shopping cards,
physical goods, securities, tourism or other non-material interests, but if such interests belong to industry practices or common
practices, they must be explicitly stated in the Agreement.

 

3.
If a Party or a Party’s agent violates the above provisions and causes losses to the other Party, it shall be liable for
damages.

 

4.
The term “other relevant personnel” referred to in this Article refers to persons other than the agent of Party A
and Party B who have direct or indirect interests in the Agreement, including but not limited to the relatives and friends of
the agent of the Agreement.

 

Article
Nine Miscellaneous Provisions

 

1.
All rights and obligations of Party A and Party B under this Agreement shall not be transferred to a third Party without the written
consent of the other Party.

 

2.
Other outstanding matters shall be handled according to the laws and regulations, the relevant regulations and the relevant provisions
of Party A. The Parties hereto shall, first of all, settle any disputes arising in the execution of or in connection with the
contract through amicable negotiations. Where no settlement can be reached, such disputes may then be instituted in People’s
Court with jurisdiction. During the period of litigation, both Parties shall continue to perform non-controversial
terms of the Agreement. This Agreement applies to Chinese law.

 

3.
This Agreement is signed in Haidian District, Beijing.

 

4.
This Agreement is made out in duplicate, with each Party holding one copy and each copy having the same legal effect.

 

5.
The annexes or supplementary Agreement (if any) shall be integral to this Agreement and have the same legal enforceability
with as this Agreement.

  

[The
remainder of this page intentionally left blank]

 

    3

     

    

 

[This
page is only for signature use]

 

Party
A: Shenzhen HeZhong Fortune Finance and Investment Management Co., Ltd, Guangzhou Branch

[Corporate
seal affixed herein]

 

Signature:

Name:

Position:
legal representative / authorized representative

Date:
November 13, 2017

 

Party
B: Beijing Rongqiniu Information Technology Co., Ltd

[Corporate
seal affixed herein]

 

Signature:

Name:

Position:
legal representative / authorized representative

Date:
November 13, 2017

 

    4

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