Document:

EX-4.73

 Exhibit 4.73 

Shareholders’ Agreement 

on 
 Beijing Xiao
Benniao Information Technology Co., Ltd. 
 [    ] (month) [    ] (day), 2021 

 Shareholders’ Agreement 

This Shareholders’ Agreement (this “Agreement”) was entered into on [    ] [    ], 2021 in
[Beijing] by and among: 
  

	(1)	 Beijing Xiao Benniao Information Technology Co., Ltd., a limited liability company registered in Beijing in
accordance with the laws of China (“Company”), having its registered address at: Room 206, 2/F, Building 3, 18 Keyuan Road, Daxing Economic Development Zone, Beijing; unified social credit code: 91110115MA001HGK4U;

  

	(2)	 Xu Danxia, a natural person of PRC holding the identity card No.: 110105196901022929; 

 

	(3)	 Zheng Yu, a natural person of PRC holding the identity card No.: 110224198610200055; 

 

	(4)	 Liu Feng, a natural person of PRC holding the identity card No.: 440203197111021837; 

 

	(5)	 Shi Haonan, a natural person of PRC holding the identity card No.: 110111199603060370; 

 

	(6)	 Lv Yin, a natural person of PRC holding the identity card No.: 65220119770527168X; 

 

	(7)	 [Sky City (Beijing) Technology Co., Ltd.], a limited liability company registered in Beijing in accordance with
the laws of China (“Pintec”), having its registered address at: 3009, 3/F Bowangyuan Podium, Yangfangdian Subdistrict, Haidian District, Beijing; unified social credit code: 91110108MA00AL746N. 

The parties above and the Group Companies are hereinafter referred to as the “Parties” collectively and a “Party”
individually. Xu Danxia and Zheng Yu are collectively referred to as the “Founders” or “Founding Shareholders.” Liu Feng, Lv Yin, and Shi Haonan are collectively referred to as the “Other Existing
Shareholders.” Pintec is also referred to as the “Investor of this Round.” All shareholders prior to this Capital Increase, i.e., all shareholders listed in Article 1.1 of the Capital Increase Agreement, are collectively
referred to as “Existing Shareholders.” The Company, all subsidiaries/branches under the direct or indirect control of the Company and the Founders, and any other subordinate enterprises, are collectively referred to as the
“Group Companies,” which include but are not limited to the companies listed in Appendix I hereto (for the definition of the Group Companies, refer to Appendix I hereto). 

Whereas: 
  

	A.	 The Parties have entered into the Capital Increase Agreement on Beijing Xiao Benniao Information Technology
Co., Ltd. on [    ] [    ], 2021 (“Capital Increase Agreement”), and the Company has approved the Articles of Association of Beijing Xiao Benniao Information Technology Co., Ltd. on
[    ] [    ], 2021 (“Articles of Association”), under which the Investor of this Round makes investment in the Company and acquires relevant equity interests and the investment amount of the
Investor of this Round is shown in the Capital Increase Agreement (collectively, “Capital Increase”); the Parties have reached an agreement for the Investor of this Round to make investment in the Company in accordance with the
terms and conditions provided in this Agreement. 

  
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	B.	 The Parties hereto reached the following consensus on the rights and obligations among shareholders and matters
not covered in the Capital Increase Agreement and Articles of Association (unless otherwise provided, the meanings of relevant wordings in this Agreement shall be same as such wording in the Capital Increase Agreement): 

Article 1 Pre-emptive right 

 

	1.1	 When increasing its registered capital, the Company shall send a written notice (“Capital Increase
Notice”) to the Parties, stating the amount of the additional registered capital (“Intended Additional Registered Capital”), subscription price, identity of the intended third-party subscriber, etc. The Investor of this
Round (“Pre-emptive Right Holder”) has the right (but no obligation) to, within [fifteen (15)] days (“First Subscription Period”) after receiving the Capital Increase Notice
sent by the Company, subscribe to the Intended Additional Registered Capital in proportion to the shareholding ratio of the Pre-emptive Right Holder in the Company
(“Pre-emptive Right”). 

  

	1.2	 The additional registered capital that may be subscribed to by the
Pre-emptive Right Holder shall not exceed the product of: (i) total Intended Additional Registered Capital, multiplied by (ii) a fraction, in which the numerator is the equity interests held by the Pre-emptive Right Holder, and the denominator is the total equity interests of the Company held by all Pre-emptive Right Holders. 

 

	1.3	 Upon the expiration of the First Subscription Period, if a Pre-emptive
Right Holder does not exercise, or does not fully exercise, its Pre-emptive Right, the Company shall immediately send a written notice to all other Pre-emptive Right
Holders, stating the number of Intended Additional Registered Capital that the Pre-emptive Right Holder waives to subscribe to (“Remaining Additional Registered Capital”) and the list of Pre-emptive Right Holders (“Over-subscription Right Holder”) which have fully exercised their Pre-emptive Rights. An Over-subscription Right Holder intending
to exercise its over-subscription right shall, within [ten (10)] days after receiving the written notice above, notify the Company of the number of Remaining Additional Registered Capital it intends to subscribe to, in which the number shall not
exceed the product of: (i) the amount of the Remaining Additional Registered Capital, multiplied by (ii) a fraction: equity interests held by the Over-subscription Right Holder in the Company/total equity interests held by all
Over-subscription Right Holders in the Company. If an Over-subscription Right Holder does not exercise, or does not fully exercise, its over-subscription right, an Over-subscription Right Holder that has fully exercised its over-subscription right
may continue to make subscription until all the Remaining Additional Registered Capital is fully subscribed, or no more Over-subscription Right Holder intends to exercise its over-subscription right. 

  
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	1.4	 If the Intended Additional Registered Capital is not fully subscribed to by the
Pre-emptive Right Holders in accordance with the provisions of Articles 1.1, 1.2, and 1.3 above, other shareholders have the right to subscribe to the remaining Intended Additional Registered Capital at the
same price and conditions stated in the Capital Increase Notice in proportion to their shareholding ratios in the Company. If the Intended Additional Registered Capital is not fully subscribed to by the
Pre-emptive Right Holders and other shareholders, the Company has the right to sell the remaining Intended Additional Registered Capital to third parties at the same price and conditions stated in the Capital
Increase Notice. In the event of any changes in the conditions stated in the Capital Increase Notice, or the Company or the third party cannot sign documents related to the capital increase and submit an application for change registration with the
administration for industry and commerce within [one hundred and twenty (120)] days after the Company sends the Capital Increase Notice, the capital increase shall be subject to the pre-emptive right provided
under Article 1 again. 

  

	1.5	 Notwithstanding the foregoing, the pre-emptive right provided under
Article 1 is not applicable to the increase in the Company’s registered capital under the following circumstances: (1) to implement an employee equity/option incentive plan approved by the board of directors, or (2) to convert profits
or capital reserves to the registered capital in proportion. 

 Article 2 Maturity and transfer restrictions of equity
interests 
  

	2.1	 Without the prior written consent of Pintec, from the Closing Date to the date of initial public offering, the
Founding Shareholders and Other Existing Shareholders shall not transfer, dispose of, pledge, or otherwise handle the equity interests they hold, directly or indirectly, in the Company and/or its controlled subsidiaries by any means. Any equity
transfer in violation of the provisions of this article shall be invalid, the transferee shall not have any right, directly or indirectly, as a shareholder of the Company, and the Company shall not consider the transferee as a shareholder. For the
purpose of this Agreement, a “controlled subsidiary” refers to (i) a subsidiary in which the Company holds over 50% equity interests, or (ii) a company of which the Company is the largest shareholder. “Initial
public offering” refers to the offering and listing of the Company’s stocks on a stock exchange in China or another country or region as approved by the Company’s Board of Directors (with the prior written consent of Pintec);
except for the lock-in or lock-up period provided in relevant laws, administrative regulations, regulations of China Securities Regulatory Commission
(“CSRC”), or the stock listing rules of the stock exchange, the shares held by the Investor of this Round in the Company shall not be subject to other circulation limits after the initial public offering of the Company.

  
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	2.2	 Notwithstanding any other provisions in this Agreement, the Investor of this Round has the right to sell,
transfer, or otherwise dispose of all or a part of equity interests it holds in the Company to a third party without the consent of the Company and other shareholders; after the equity transfer, the rights of such third party shall be same as the
rights of the investor prior to the equity transfer. Other Parties hereby irrevocably consent to the equity transfer above made by the investor, including but not limited to (1) taking all necessary measures to approve such transfer, and
(2) waiving the right of first refusal (if any) for the equity interests transferred by the investor. 

 Article 3
Right of first refusal and right of co-sale 
  

	3.1	 Subject to the transfer restrictions provided in Article 2.1 hereof, any of the Founding Shareholders and Other
Existing Shareholders (“Seller”) intending to sell, transfer, or otherwise dispose of all or a part of the equity interests (“Equity Interests for Sale”) it directly or indirectly holds in the Company shall first
send a notice to the Investor of this Round (“Holder of Right of First Refusal”) and the Company concerning the intended sale of the equity interests in the Company (“Sale Notice”). The Sale Notice shall contain the
ratio of the Equity Interests for Sale, sale price, payment conditions, identity of the transferee, and other main information. The Holder of Right of First Refusal has the right (but no obligation) to purchase such Equity Interests for Sale at the
price and conditions stated in the Sale Notice (“Right of First Refusal”). The Holder of Right of First Refusal intending to exercise its Right of First Refusal shall notify the Seller within [thirty (30)] days (“First
Purchase Period”) after receiving the Sale Notice; in the absence of such notice upon the expiration of such period, it shall be deemed that the Holder of Right of First Refusal waives its Right of First Refusal. The Holders of Right of
First Refusal have the right to exercise their Rights of First Refusal in proportion to their shareholding ratios. 

  

	3.2	 Upon the expiration of the First Purchase Period, if the Equity Interests for Sale are not purchased or not
fully purchased, the Seller shall immediately send a written notice to Holders of Right of First Refusal, stating the number of the remaining Equity Interests for Sale, and the list of Holders of Right of First Refusal who have fully exercised their
Rights of First Refusal. The Holder of Right of First Refusal (“Over-purchase Right Holder”) that has fully exercised its Right of First Refusal has the right (but no obligation) to continue to purchase such remaining Equity
Interests for Sale (“Over-purchase Right”). An Over-purchase Right Holder intending to exercise its Over-purchase Right shall, within [ten (10)] days after receiving the written notice above, notify the Seller of the number of the
remaining Equity Interests for Sale that it intends to purchase, in which the number of equity interests to be over-purchased shall not exceed the product of: (i) the amount of the Equity Interests for Sale, multiplied by (ii) a fraction:
equity interests held by the Over-purchase Right Holder in the Company/total equity interests held by all Over-purchase Right Holders in the Company. If an Over-purchase Right Holder does not exercise, or does not fully exercise, its Over-purchase
Right, an Over-purchase Right Holder that has fully exercised its Over-purchase Right may continue to make purchase until all the Equity Interests for Sale are fully purchased, or no more Over-purchase Right Holder intends to exercise its
Over-purchase Right. 

  
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	3.3	 For the avoidance of doubt, with respect to the equity interests in the Company for which a Holder of Right of
First Refusal opts to exercise its Right of First Refusal and Over-purchase Right, other shareholders hereby specifically waive their right of first refusal and any other possible rights under applicable Chinese laws, the Articles of Association, or
based on any other grounds. 

  

	3.4	 If the Equity Interests for Sale are not purchased or not fully purchased in accordance with the provisions of
Articles 3.1 and 3.2 above, subject to relevant provisions on the right of co-sale below, the Seller has the right to sell the remaining Equity Interests for Sale to third parties at the conditions stated in
the Sale Notice. In the event of any changes in the conditions stated in the Sale Notice, or the Seller or the third party cannot sign a relevant equity transfer agreement and submit an application for change registration with the administration for
industry and commerce within [ninety (90)] days after the Seller sends the Sale Notice, the Equity Interests for Sale shall be subject to the right of first refusal and right of co-sale provided under Article
3 again. As a precondition for the Seller to transfer its equity interests, the Seller shall cause the third party to abide by the provisions of this Agreement and the Articles of Association as if the third party is a shareholder of the Company.

  

	3.5	 If the Equity Interests for Sale are not purchased or not fully purchased in accordance with the provisions of
Articles 3.1 and 3.2 above, the Seller shall send a written notice (“Co-sale Notice”) to Holders of Right of First Refusal who have waived to exercise their Right of First Refusal
(“Holder of Right of Co-sale”), stating the number of Equity Interests for Sale that are not purchased. The Holder of Right of Co-sale has the right
(but no obligation) to sell equity interests at the same price and conditions stated in the Sale Notice (“Right of Co-sale”). A Holder of Right of
Co-sale intending to exercise its Right of Co-sale shall, within ten (10) days after receiving the Co-sale Notice, send a
notice for participating in the sale to the Seller, stating the number of equity interests that it intends to sell, in which such number of equity interests shall not exceed the product of: (i) Equity Interests for Sale that are not purchased
under the right of first refusal, multiplied by (ii) a fraction, in which the numerator is the equity interests held by the Holder of Right of Co-sale in the Company, and the denominator is the total
equity interests held by the Seller in the Company and the equity interests held by all Holders of Right of Co-sale intending to exercise their Right of Co-sale in the
Company. Notwithstanding the foregoing, if the transfer of equity interests by the Founding Shareholders results in that the equity interests held, directly or indirectly, by Xu Danxia in the Company are less than 50%, or Xu Danxia loses the
position as the de facto controller, the number of equity interests for which the Holder of Right of Co-sale has the right (but no obligation) to exercise its Right of
Co-sale shall be all the equity interests held by the lender in the Company. After receiving the notice sent by the Holder of Right of Co-sale, the Seller shall take all
reasonable measures to ensure the implementation of the Right of Co-sale for the Holder of Right of Co-sale (including but not limited to reducing the number of equity
interests to be sold by the Seller). Before the Holder of Right of Co-sale realizes or waives its Right of Co-sale, the Seller shall not transfer its equity interests
unless the Seller purchases all the equity interests that the Holder of Right of Co-sale intends to sell in the co-sale at the same price and conditions stated in the
Sale Notice. 

  
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	3.6	 Notwithstanding the foregoing, the right of first refusal and right of
co-sale under Article 3 are not applicable to the circumstances in which the Seller transfers or disposes of the equity interests it holds, directly or indirectly, in the Company for the purpose of
implementing an employee equity/option incentive plan. 

 Article 4 Drag-along right 

 

	4.1	 During the period when Pintec holds equity interests in the Company, upon the occurrence of a Deemed
Liquidation Event (as defined below), and Pintec and any Founding Shareholder holding over 50% equity interests in the Company of the equity interests held by all Founding Shareholders agree with the transaction, all other shareholders of the
Company (“Dragged Shareholder”) shall agree with and participate in the transaction, cause the shareholders’ meeting to pass a resolution in connection with such transaction, and cooperate in such transaction (including signing
relevant agreements and documents). If any Dragged Shareholder does not agree with the transaction, the Dragged Shareholder shall purchase all equity interests from other shareholders at the price proposed by a third party; otherwise, it shall be
deemed as agreeing with the transaction if it does not purchase such equity interests. 

 Article 5 Anti-dilution
protection right 
  

	5.1	 For the purpose of this article: 

“New Financing” refers to additional registered capital, or issuance of convertible bonds or shares of the Company, etc.,
except for additional capital arising from employee equity/option incentives (with the consent of Pintec) approved at shareholders’ meetings, share splitting applicable to all shareholders in proportion, conversion of capital reserves or
profits to registered capitals in proportion, or initial public offering; 
 “New Shareholder” refers to a shareholder
subscribing to additional register capital of the Company in New Financing; 

  
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 “New Subscription Price” refers to the unit price at which the New
Shareholder subscribes to one RMB of the registered capital of the Company in the New Financing, i.e., total price paid by New Shareholders for the additional register capital ÷ number of registered capitals subscribed to by New Shareholders;

 “Anti-dilution Right Holder” refers to the Investor of this Round; 

“Previous Round of Financing” refers to the round of financing preceding the New Financing of the Company (including but not
limited to this Capital Increase); 
 “Original Subscription Price” refers to the unit price at which the Anti-dilution
Right Holder obtains one RMB of registered capital of the Company in the Previous Round of Financing, i.e., total price paid by the Anti-dilution Right Holder in the Previous Round of Financing for obtaining the registered capital of the Company
÷ number of registered capitals obtained by the Anti-dilution Right Holders in the Previous Round of Financing. If the Company converts capital reserves to the registered capital for all shareholders in proportion, such price shall be diluted
and reduced in proportion. For the avoidance of doubt, the Original Subscription Price for the Investor of this Round in this Capital Increase is RMB [1,086,206.90]. 
  

	5.2	 After the Closing Date, if the Company implements any New Financing, and the New Subscription Price at which
the New Shareholder obtains the additional registered capital of the Company is lower than the Original Subscription Price at which the Anti-dilution Right Holder obtains the registered capital of the Company, the Anti-dilution Right Holder has the
right to require the Company and/or the Founding Shareholders to adjust its Original Subscription Price by generalized weighted average, so that the adjusted subscription price equals the price determined according to the formula below:

 P2 = P1 * (A + B) / (A + C) 

For the purpose of the formula above, the meanings of the letters are as follows: 

P2 is the adjusted subscription price; 

P1 is the Original Subscription Price; 

A is the total registered capital of the Company prior to the New Financing (on a fully diluted basis); 

B is the additional or offered registered capital on the assumption that the New Financing of the Company is carried out with P1 as the New
Subscription Price; 
 C is the actual additional or offered registered capital in the New Financing of the Company. 

  
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	5.3	 The Anti-dilution Right Holder have the right to require the Company and/or the Founding Shareholders to
compensate the Anti-dilution Right Holder by using either or both of the following means, so that the value of the equity interests held by the Anti-dilution Right Holder in the Company is not diluted (“Anti-dilution Adjustment”);
for the avoidance of doubt, the obligations of the Company and the Founding Shareholders under this article are joint and several obligations: 

  

	 	(1)	 Determine the registered capital of the Company that the Anti-dilution Right Holder should obtain in the
Previous Round of Financing according to the adjusted subscription price (“Adjusted Registered Capital”), i.e., adjusted registered capital = total price paid by the Anti-dilution Right Holder in the Previous Round of Financing for
obtaining the registered capital of the Company ÷ adjusted subscription price. The Company shall issue additional shares to the Anti-dilution Right Holder free of charge or at symbolic price (the
pre-emptive right provided in Article 1 hereof is not applicable to such additional capital), or the Founding Shareholders shall transfer equity interests to the Anti-dilution Right Holder free of charge or at
symbolic price (the right of first refusal and right of co-sale provided in Article 3 hereof are not applicable to such equity transfer), or another means permitted by laws and regulations with the prior
written consent of the Anti-dilution Right Holder shall be implemented, so that the registered capital of the Company obtained by the Anti-dilution Right Holder in the Previous Round of Financing reach the adjusted registered capital. For the
avoidance of doubt, if the Anti-dilution Right Holder actually pays any price to the Company or the Founding Shareholders or bears any taxes and charges due to the Anti-dilution Adjustment above, the Company or the Founding Shareholders shall
correspondingly compensate the Anti-dilution Right Holder; or 

  

	 	(2)	 Compensate the Anti-dilution Right Holder in cash, so that Original Subscription Price for the Anti-dilution
Right Holder in the Previous Round of Financing equals, after and by virtue of such compensation, the adjusted subscription price. For the avoidance of doubt, if all Anti-dilution Right Holders require the Company or the Founding Shareholders to
make compensation in cash, while the Company and/or the Founding Shareholders are insufficient in funds, the Company and the Founding Shareholders shall ensure that the Investor of this Round gets its corresponding compensation in cash before other
Anti-dilution Right Holders. 

  

	5.4	 The Company and the Founding Shareholders shall complete equity transfer, issuance of additional registered
capital, or compensation in cash within [sixty (60)] days after receiving a written compensation request from the Anti-dilution Right Holder, including but not limited to causing the shareholders’ meetings/board meetings of the Company to
approve such Anti-dilution Adjustment, sign all necessary legal documents, and complete relevant government approval procedures and procedures for registration with the administration for industry and commerce (if necessary). Before the
Anti-dilution Adjustment above is completed, the Company shall not offer additional register capital or offer any securities related to equity interests (including but not limited to convertible bonds). 

  
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 Article 6 Right of repurchase 

 

	6.1	 For the purpose of this article, the following events are “Repurchase Events:”

  

	 	(1)	 The Company fails to complete qualified initial public offering or to be acquired within five (5) years
from the Closing Date (as defined in the Capital Increase Agreement); 

  

	 	(2)	 The Group Companies and/or the Founding Shareholders seriously violate the provisions of this Agreement, the
Capital Increase Agreement, and other supplementary documents; 

  

	 	(3)	 The Group Companies and/or the Founding Shareholders fail to complete, or to promptly complete, any provisions
in Article 5.1 of the Capital Increase Agreement; 

  

	 	(4)	 The Group Companies and/or the Founding Shareholders seriously violate the laws and regulations applicable to
them, causing adverse effects on the Company; 

  

	 	(5)	 There are changes in laws or policies, causing serious hardship in the operation of the main business of the
Group Companies; 

  

	 	(6)	 Any qualification, certificate, or license of the Group Companies are canceled or revoked, causing material
changes in the operation of the Group Companies; 

  

	 	(7)	 The Group Companies and/or the Founding Shareholders are subject to criminal liabilities due to violation of
laws and regulations related to anti-corruption and anti-bribery; 

  

	 	(8)	 Any other shareholder requests repurchase. 

Upon the occurrence of any Repurchase Event, the Investor of this Round (“Repurchase Right Holder”) has the right to send a
repurchase notice (“Repurchase Notice”) to the Group Companies and the Founding Shareholders (“Repurchase Obligors”), requesting the Repurchase Obligors to jointly and severally purchase all or a part of equity
interests (“Equity Interests for Repurchase”) held by the Repurchase Right Holder in the Company at the repurchase price provided in Article 6.2 below. For the avoidance of doubt, the Repurchase Notice shall state the number of
Equity Interests for Repurchase, round of financing in which the Repurchase Right Holder obtained such Equity Interests for Repurchase, and the corresponding total costs paid. 

 

	6.2	 Repurchase price 

The repurchase price (“Repurchase Price”) of the Equity Interests for Repurchase shall be calculated according to the formula
below: 
 Repurchase Price = I×(1+R×N)+A-B 

I is the total costs actually paid by the Repurchase Right Holder for obtaining the Equity Interests for Repurchase; 

  
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 R is the repurchase interest rate, i.e., [7%]; 

N is a fraction, in which the numerator is the number of days from the Closing Date to the date (“Repurchase Date”) when the
Repurchase Obligors make full payment of the Repurchase Price to the Repurchase Right Holder, and the denominator is 365; 
 A is all the
profit distribution or dividends corresponding to the Equity Interests for Repurchase that have been declared but not actually paid to the Repurchase Right Holder prior to the Repurchase Date; 

B is the profit distribution or dividends that have been obtained by the Repurchase Right Holder before the Repurchase Notice is sent. 

 

	6.3	 The Repurchase Obligors shall notify other Repurchase Right Holders within [seven (7)] days after receiving the
Repurchase Notice sent by the Repurchase Right Holder, and within [sixty (60)] days after receiving the Repurchase Notice (“Repurchase Period”), make full payment for the Repurchase Price to the Repurchase Right Holder requesting to
exercise the repurchase right. 

  

	6.4	 If the Repurchase Obligors cannot make full payment for the Repurchase Price to the Repurchase Right Holder
within the Repurchase Period, the Repurchase Right Holder has the right to require the Repurchase Obligors to pay a penalty at the interest rate of [0.05]% for the Repurchase Price not paid in full from the expiration date of the Repurchase Period.
Besides paying the penalty to the Repurchase Right Holder, the Repurchase Obligors shall continue to perform their repurchase obligations, and immediately pay the Repurchase Price and all penalties arising to the Repurchase Right Holder as soon as
they get available funds. 

  

	6.5	 If the Repurchase Obligors fail to make full payment for the Repurchase Price within [one hundred and twenty
(120)] days from the expiration of the Repurchase Period, the Repurchase Right Holder has the right to require the Company to raise funds to perform their repurchase obligations by selling assets, making profit distribution, or by other means to the
satisfaction of the Repurchase Right Holder. At that time, the Repurchase Obligors shall cause all shareholders or directors (if applicable) of the Company to approve the plan for raising such repurchase funds, and sign relevant legal documents.

  

	6.6	 The Repurchase Obligors are obliged to cause other shareholders of the Group Companies and relevant parties to
sign all necessary documents and take all necessary acts, so as to ensure the prompt and smooth implementation of the repurchase under Article 6, including but not limited to completing the change registration with the administration for industry
and commerce with respect to the repurchase, where the change registration with the administration for industry and commerce shall be no later than thirty (30) working days from the date when the Repurchase Right Holder sends the Repurchase
Notice; however, if the Company cannot complete the change registration with the administration for industry and commerce within the specified period due to force majeure, the duration of the force majeure event shall not be included in such period.

  
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	6.7	 Before the Repurchase Right Holder obtains the Repurchase Price in full, the Repurchase Right Holder still has
all the shareholder’s rights provided in laws, regulations, and this Agreement with respect to the equity interests for which the Repurchase Price has not been obtained. 

 

	6.8	 For the avoidance of doubt, the Group Companies and the Founding Shareholders, and the Founding Shareholders
themselves, are jointly and severally liable for the repurchase obligations provided under Article 6. 

  

	6.9	 All expenses and expenditures, such as taxes and charges, paid due to the purchase, shall be borne by the Group
Companies and the Founding Shareholders. 

 Article 7 Right of information and inspection 

 

	7.1	 The Company shall provide the Investor of this Round (“Information Right Holder”) with the
following documents of the Group Companies as scheduled: 

  

	 	(1)	 Within [ninety (90)] days from the end of each accounting year, provide the annual financial statements that
have been audited by a qualified accounting firm in accordance with the accounting standards of China; 

  

	 	(2)	 Within [twenty (20)] days from the end of each quarter, submit unaudited quarterly financial statements
prepared in accordance with the Accounting Standard for Business Enterprises of China; 

  

	 	(3)	 Important information concerning the operation of the Company; 

 

	 	(4)	 Other information and report requested in writing by the Information Right Holder from the Company, including
but not limited to monthly operation updates, disclosure of material events, etc. 

 All the financial statements provided
by the Company to the Information Right Holder in accordance with Article 7.1 hereof shall contain the balance sheets, income statements, and cash flow statements both on a consolidated basis and of individual branches and subsidiaries, and shall
contain the comparison between the annual budget and actual results. 
  

	7.2	 The information right holder has the right to review and copy the Articles of Association, records of
shareholders’ meetings, records of board meetings, records of supervisor meetings (if any), and financial and accounting reports. The Company shall promptly notify the Information Right Holder within three (3) days upon the occurrence of
any material events. 

  
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 Article 8 Corporate governance 

 

	8.1	 At shareholders’ meetings convened by the Company, shareholders shall exercise voting rights according to
their capital contribution ratios after the Closing to decide matters of the Company unless otherwise provided in this Agreement or the Articles of Association. 

 

	8.2	 Notwithstanding other provisions in this Agreement, the Company shall obtain the prior written consent of
Pintec for the following matters to become effective (for the purpose of this article, the following matters are applicable to any of the Group Companies and any subsidiary, branch, and other divisions (if any) of the Group Companies):

  

	 	(1)	 To increase the registered capital of the Company (including conversion of capital reserves into the registered
capital), or to issue any equity interests, convertible bonds, or warrants, or to conduct any other acts that may dilute Pintec’s equity interests in the Company; 

 

	 	(2)	 To decrease the registered capital of the Company, or to repurchase and
de-register any equity interests of the Company (except for the equity interests repurchased in accordance with the provisions hereof); 

 

	 	(3)	 To make equity or debt financing, and approve the Company’s financing solutions and plans;

  

	 	(4)	 To modify or impose any limit on the shareholder’s rights or preferential rights of Pintec, or to grant
rights to any other shareholders that are more preferential or equally preferential to Pintec in terms of voting, dividends, repurchase, liquidation, or other shareholder’s rights, or to reach an agreement that is unfavorable to Pintec;

  

	 	(5)	 To modify the Capital Increase Agreement, Shareholders’ Agreement, and Articles of Association;

  

	 	(6)	 To implement combination, division, dissolution, liquidation, restructuring, or organization form change of the
Company; 

  

	 	(7)	 To engage in any transaction that may result in change of control over the Company; 

 

	 	(8)	 Any other material events jointly identified by the Founding Shareholders and Pintec. 

  
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 Article 9 Liquidation 

 

	9.1	 In the event of dissolution, liquidation, or bankruptcy of the Company, the properties of the Company shall be
used to first pay off liquidation expenses, employee salaries, social insurance premiums, statutory compensation, due taxes of the Company, and debts of the Company in accordance with the provisions of laws. If the Company has remaining properties
after the payment above (“Distributable Residual Properties”), such Distributable Residual Properties shall be distributed as follows: 

  

	 	(1)	 Pay the following amounts (“Preferred Liquidation Amounts”) to the Investor of this Round
(“Liquidation Right Holder”): amount equivalent to the investment of the Liquidation Right Holder, plus simple interests of the Liquidation Right Holder’s investment amount at [7]% per year, plus dividends distributable to the
Liquidation Right Holder that have been declared but unpaid by the Company; 

  

	 	(2)	 After all Liquidation Right Holders get paid of the Preferred Liquidation Amounts provided in Item
(1) above, the remaining properties (if any) of the Company shall be distributed among all shareholders, including the Liquidation Right Holders, according to the shareholding ratios of all shareholders of the Company. For the avoidance of
doubt, in the calculation of the “shareholding ratios of all shareholders” above, the Company’s equity interests under employee incentive plans may be included in the calculation only after the employees have actually obtained,
directly or indirectly, the Company’s equity interests through the employee incentive plans (and the equity interests are subject to no limit of any restricted period (if any) in accordance with the provisions of the employee incentive plans),
while other equity interests of the Company that have not been directly or indirectly obtained by employees shall not be included in the calculation of the “shareholding ratios of all shareholders” above. 

 

	9.2	 Upon the occurrence of any Deemed Liquidation Event (as defined below) on the Company, all the considerations
(“Sales Considerations”) obtained by the Company or its shareholders in such Deemed Liquidation Event shall be deemed as the Distributable Residual Properties to be distributed according to the distribution plan provided in Article
9.1 above. For the purpose of this article, a “Deemed Liquidation Event” includes (for the avoidance of doubt, except as exempted with the consensus of all Liquidation Right Holders): 

 

	 	(1)	 The Company or its controlled subsidiary is merged or acquired, or included in another similar transaction
resulting in the change of control on the Company or its controlled subsidiary, causing the shareholders of the Company prior to such merger, acquisition, or similar transaction hold less than fifty percent (50%) equity interests in the company or
entity that has survived after such transaction; 

  

	 	(2)	 Any equity transfer, sales, or share replacement transaction, resulting in that fifty percent (50%) or more
decision-making power of the Company is transferred to a third party, or there is another event that is defined as transfer of control on the Company; 

  

	 	(3)	 All or substantially all assets or businesses of the Company or its controlled subsidiary are sold,
transferred, mortgaged, pledged, or otherwise disposed of; or 

  

	 	(4)	 All or substantially all intellectual property rights of the Company or its controlled subsidiary are licensed
on an exclusive basis or sold to a third party. 

  
 14 

	9.3	 The Company and the Founding Shareholders shall take all effective measures to ensure that the Liquidation
Right Holders may obtain the distributed amounts according to the distribution plan provided in Article 9.1 from the Distributable Residual Properties or Sales Considerations. If, according to the requirements of applicable laws at that time, the
Distributable Residual Properties or Sales Considerations cannot be distributed according to the distribution plan provided in Article 9.1, the Liquidation Right Holders have the right to require the Company and/or the Founding Shareholders to take
all effective measures to compensate the Liquidation Right Holders so that the distributed amounts obtained by the Liquidation Right Holders are equivalent to all the properties or prices to be obtained in accordance with the provisions of Article
9.1. Such measures include but are not limited to: (1) the Company distributes dividends and profit distribution according to a plan jointly agreed with by the Liquidation Right Holders; (2) the Founding Shareholders compensate the
Liquidation Right Holders with the properties or prices they obtained from the Distributable Residual Properties or Sales Considerations; or (3) the Company and the Founding Shareholders cause shareholders which obtained more amounts than those
distributable in accordance with the provisions of Article 9.1 to compensate the Liquidation Right Holders by irrevocable gift or other means permitted by law. The Liquidation Right Holders have the right to choose a specific method, while the
Company and the Founding Shareholders are obliged to fully cooperate in the method chosen by the Liquidation Right Holders, including but not limited to vote in affirmative at shareholders’ meetings, cause the directors they appointed to vote
in affirmative, sign all relevant legal documents, obtain the consent of relevant internal and external parties, and bear corresponding costs, taxes, and charges (if any). If the Liquidation Right Holders fail to receive sufficient Preferred
Liquidation Amounts due to any reason, the Group Companies and the Founding Shareholders are obliged to compensate the Liquidation Right Holder in cash for corresponding gaps. 

Article 10 Effectiveness, amendment, and rescission of this Agreement 

 

	10.1	 This Agreement shall become effective and binding on the Parties from the date first written above after being
signed by the Parties or being affixed with the stamps of the Parties. 

  

	10.2	 Any amendment to this Agreement shall be made by the Parties in writing, and constitute an integral part of
this Agreement. 

  

	10.3	 Rescission: This Agreement may be rescinded by any of the following means: 

 

	 	(1)	 The Parties hereto negotiate to reach a consensus and rescind this Agreement in writing; 

  
 15 

	 	(2)	 Upon the occurrence of any of the following circumstances, the Investor of this Round may notify the Company
and Founding Shareholders in writing to rescind this Agreement, which notice shall be sent at least five (5) working days in advance and shall state the effective date of the rescission: 

 

	 	(a)	 The representations or warranties made by the Warrantors are seriously untrue or contain material omissions,
causing the effect that the investment cannot be closed; 

  

	 	(b)	 The Warrantors seriously violate any of their undertakings, obligations, or responsibilities hereunder not due
to force majeure, and fail to make rectification within twenty (20) working days from the date of violation, causing the effect that the investment cannot be closed. 

 

	 	(3)	 If the Prerequisites provided in Article 4 of the Capital Increase Agreement are not satisfied within [ninety
(90) days] from the execution date of this Agreement and not exempted by the Investor of this Round, the Investor of this Round has the right to send a written notice to unilaterally rescind this Agreement. 

 

	10.4	 Effects of rescission 

After this Agreement is rescinded in accordance with Article 10.3 above: 

 

	 	(1)	 Unless otherwise agreed by the Parties then, each Party shall return the consideration (if any) it received
from any other Party hereunder on the principle of fairness, reasonableness, honesty and good faith, to return to the original state prior to the execution of this Agreement. For the avoidance of doubt, any Party shall be liable for any losses it
caused due to violation of this Agreement prior to the rescission of this Agreement; 

  

	 	(2)	 Except for Article 11 (Liabilities for breach of agreement and indemnity), Article 12 (Confidentiality),
Article 13 (Applicable law), Article 14 (Dispute resolution), and Article 15 (Miscellaneous), this Agreement shall not be binding and effective any longer, and the rights, obligations, and responsibilities of the Parties under this Agreement shall
be terminated. 

 Article 11 Liabilities for breach of agreement and indemnity 

 

	11.1	 Any Party in breach of this Agreement shall be liable for compensating the other Party for all its actual and
predictable losses at that time caused by such breach, including profit losses. If any Party hereto violates the provisions hereof, in addition to other rights provided hereunder, the other Parties also have the right to request specific and
comprehensive performance of obligations under this Agreement by the violating Party, and may claim compensation for losses suffered by the non-violating Party due to such violation. A Party hereto
(“Indemnifying Party”) shall indemnify, hold harmless, and pay relevant amounts for other Parties and their respective right and obligation successors, affiliates, and representatives (collectively, “Indemnified
Party”) under the following circumstances: (a) the Indemnifying Party breaches any representation or warranty it made in this Agreement, or its representations and warranties are untrue; and (b) the Indemnifying Party breaches or
fails to fully perform the promises, agreements, warranties, or obligations hereunder except for those exempted by the other Parties in writing. The Indemnifying Party shall indemnify or compensate the Indemnified Party for any and all losses,
debts, liabilities, impairments, expenses (including investigation and defense expenses, and reasonable attorney’s fees and accountant’s fees), or any other damages (regardless of whether a third-party claim is involved) suffered, directly
or indirectly, due to the circumstances above. 

  
 16 

 Article 12 Confidentiality 

 

	12.1	 Unless otherwise provided herein, the Parties hereto shall make their best efforts to keep the confidentiality
of any technical or business information in any form of all the other Parties obtained by performing this Agreement, such information including but not limited to any content hereof and other possible cooperation and transactions between among the
Parties. Any Party shall restrict such information only to its employees, agents, contractors, suppliers, etc. who are required to know such information for performing the obligations hereunder, and shall instruct its directors, senior executive,
and other employees, and the directors, senior executive, and other employees of its affiliates to abide by confidentiality obligations. 

  

	12.2	 The restriction above is not applicable to: 

 

	 	(1)	 Information generally available to the public at the time of disclosure; 

 

	 	(2)	 Information that becomes generally available to the public after the disclosure not due to the faults of the
receiving party; 

  

	 	(3)	 Information proven to be in the possession of the receiving party prior to the disclosure instead of being
obtained, directly or indirectly, from the other party; Confidential Information that any Party is obliged to disclose to relevant government authority or stock exchange under laws, or that is disclosed by any Party to its direct legal advisers and
financial advisers as required by normal business operation; 

  

	 	(4)	 Confidential information that any Party is obliged to disclose to relevant government authority or stock
exchange under laws, or that is disclosed by any Party to its legal advisers, financial advisers, and investors as required by normal business operation. 

  

	12.3	 Every Party hereto shall instruct its directors, senior executives, employees, agents, advisors, contractors,
suppliers, and customers, and the directors, senior executives, employees, agents, advisors, contractors, suppliers, and customers of its affiliates to abide by the confidentiality obligations provided in Article 12. 

  
 17 

	12.4	 The Parties shall abide by the confidentiality obligations provided in Article 12 despite the rescission or
termination of this Agreement for any reason. 

 Article 13 Applicable law 

 

	13.1	 This Agreement shall be governed by officially promulgated laws of China. In the absence of provisions in
Chinese laws on any aspect in this Agreement, general international practices shall be applicable. 

 Article 14 Dispute
resolution 
 14.1    Any disputes arising from or in connection with this Agreement shall be submitted to Beijing Arbitration
Commission for arbitration in Beijing in accordance with its then effective arbitration rules. The arbitration award shall be final, and binding on the Parties. During the dispute resolution, except for the matters in dispute, the Parties shall
continue to perform other provisions hereof. 
 Article 15 Miscellaneous 

 

	15.1	 Without the prior written consent of any investor, and regardless of whether the investor is a shareholder of
the Company or not, neither other shareholder of the Company than the investor nor the Company may use, publish, or duplicate: (1) the name or mark of the investor, (2) the name, picture or image, or mark of any shareholder or partner of
the investor, or (3) a name, trademark, or mark similar to the foregoing in any marketing, advertising, or promotion materials or for any marketing, advertising, or promotion purposes. 

 

	15.2	 This Agreement shall constitute the entire right and obligation relationship among the Parties hereto together
with the Capital Increase Agreement and the New Articles of Association (defined in the Capital Increase Agreement), and the Parties shall exercise their rights and perform their obligations in good faith in accordance with the provisions in this
Agreement, the Capital Increase Agreement, and the New Articles of Association. In the event of any inconsistency between this Agreement and the Articles of Association, this Agreement prevails. 

 

	15.3	 Notice 

For notices sent to the Company or the Founding Shareholders: 

Attention: [Xu Danxia] 
 Mailing
address: [Building 5, Huashang Creativity Center, 18 Keyuan Road, Daxing Economic Development Zone, Beijing] 
 Telephone: [13901175376] 

  
 18 

 Email: [xdx@Xiao Benniao.com] 

For notices sent to Other Existing Shareholders: 

Attention: [Zhang Ping] 
 Mailing
address: [Building 5, Huashang Creativity Center, 18 Keyuan Road, Daxing Economic Development Zone, Beijing] 
 Telephone: [13801113373] 

Email: [zhang_ping@Xiao Benniao.com] 

For notices sent to Pintec: 

Attention: [Investor Relation Department] 

Mailing address: [9/F, No. 17, East 3 Ring Road, Chaoyang District, Beijing] 

Telephone: [010-8564 3600] 

Email: [ir@pintec.com] 
 Any
notice, demand, request, or any other communication required or permitted under this Agreement shall be made in writing, and any notice shall be deemed as delivered when sent in the following manner: 

 

	 	(1)	 If sent by fax, image scanner, or other electronic communication means, when it is sent successfully;

  

	 	(2)	 If sent by personal delivery, when it is signed for receipt; 

 

	 	(3)	 If sent through a courier service company, on the seventh (7) day after handing over to the courier
service company or when it is signed for receipt (whichever is earlier). 

  

	15.4	 If any one or more provisions hereof, or any one or more legal documents related to the capital increase are
held invalid, illegal, or unenforceable under any relevant laws: 

  

	 	(1)	 The validity, legality, and enforceability of other provisions hereof shall not be affected or damaged but
shall be fully valid, and except for the agreements that are held as invalid, illegal, or unenforceable, the validity, legality, and enforceability of other agreements related to the capital increase shall not be affected or damaged but shall be
fully valid; 

  

	 	(2)	 The Parties shall immediately replace such invalid, illegal, or unenforceable provisions or agreements with
valid, legal, and enforceable provisions or agreements with the intention closest to that of the invalid, illegal, or unenforceable provisions or agreements. 

  
 19 

	15.5	 This Agreement is made in Chinese in [9] originals, with the Group Companies holding [8] originals and the
Investor of this Round holding one original, each original having the same legal force. 

  

	15.6	 The headings herein are for reference only, and shall not be deemed as a part of this Agreement or affect the
meaning or interpretation of this Agreement. 

  

	15.7	 This Agreement is signed by the duly authorized representatives of the Parties on the date first written above.

 [The remainder of this page is intentionally left blank] 

  
 20 

 [This page contains no text, but is a signature page to the Shareholders’ Agreement
of Beijing Xiao Benniao Information Technology Co., Ltd.] 
 Group Companies: 

 

	
	Beijing Xiao Benniao Information Technology Co., Ltd. (Stamp)
	
	Legal
representative:                                     

	
	Beijing Qinliandeli International Trade Co., Ltd. (Stamp)
	
	Legal
representative:                                     

	
	Haiweizhen (Beijing) Network Technology Co., Ltd. (Stamp)
	
	Legal
representative:                                     

	
	Beijing Yimaoxing International Trade Co., Ltd. (Stamp)
	
	Legal
representative:                                     

  
 Signature page to the
Shareholders’ Agreement 

	
	Beijing Xiao Benniao Supply Chain Management Co., Ltd. (Stamp)
	
	Legal
representative:                                     

	
	Beijing Youshida International Trade Co., Ltd. (Stamp)
	
	Legal
representative:                                     

  
 Signature page to the
Shareholders’ Agreement 

 [This page contains no text, but is a signature page to the Shareholders’ Agreement
of Beijing Xiao Benniao Information Technology Co., Ltd.] 
 Group Companies: 

 

	
	Xianfei (Hainan) International Trade Co., Ltd. (Stamp)
	
	Legal
representative:                                     

	
	Shenzhen Tianxia Logistics Technology Co., Ltd. (Stamp)
	
	Legal
representative:                                     

	
	Beijing Hongweichuangshi Technology Co., Ltd. (Stamp)
	
	Legal
representative:                                     

	
	Beijing Zhuandong Culture Technology Co., Ltd. (Stamp)
	
	Legal
representative:                                     

  
 Signature page to the
Shareholders’ Agreement 

	
	Shoukong Jinxin (Beijing) Technology Co., Ltd. (Stamp)
	
	Legal
representative:                                     

  
 Signature page to the
Shareholders’ Agreement 

 [This page contains no text, but is a signature page to the Shareholders’ Agreement
of Beijing Xiao Benniao Information Technology Co., Ltd.] 
 Group Companies: 

 

	
	Xiao Benniao Feishi Technology (Beijing) Co., Ltd. (Stamp)
	
	Legal
representative:                                     

	
	Xiao Benniao Zhonghan (Beijing) Technology Co., Ltd. (Stamp)
	
	Legal
representative:                                     

	
	Xuzhou Xianfei Shuzhi Information Technology Co., Ltd. (Stamp)
	
	Legal
representative:                                     

	
	Hebei Xiong’an Xianfei Shuzhi Technology Co., Ltd. (Stamp)
	
	Legal
representative:                                     

  
 Signature page to the
Shareholders’ Agreement 

	
	Zhejiang Xianfei Shuzhi Technology Co., Ltd. (Stamp)
	
	Legal
representative:                                     

	
	XBN E-commerce Co., Ltd.
	
	Authorized
representative:                                     

  
 Signature page to the
Shareholders’ Agreement 

 [This page contains no text, but is a signature page to the Shareholders’ Agreement
of Beijing Xiao Benniao Information Technology Co., Ltd.] 
  

	
	Group Companies:
	
	Bestmind Trade and Service Ltd.
	
	 Authorized
representative:                                     

	
	XBN Information Technology Co., Ltd.
	
	 Authorized
representative:                                     

	
	XBN Ecommerce (Hong Kong) Limited
	
	 Authorized
representative:                                     

	
	[Alphamic Limited]
	
	 Authorized
representative:                                     

  
 Signature page to the
Shareholders’ Agreement 

	
	New & Vigorous Electronic Trading W.L.L.
	
	Authorized
representative:                                     

	
	Comforyou Furniture & Kitchenware Trading W.L.L.
	
	Authorized
representative:                                     

  
 Signature page to the
Shareholders’ Agreement 

 [This page contains no text, but is a signature page to the Shareholders’ Agreement
of Beijing Xiao Benniao Information Technology Co., Ltd.] 
  

			
	Existing Shareholders:
	
	Xu Danxia
	
	By:                                   
                      
	
	Zheng Yu
	
	By:
                                         
               
	
	Lv Yin
	
	By:
                                         
               
	
	Shi Haonan
	
	By:                                   
                      

  
 Signature page to the
Shareholders’ Agreement 

	
	Liu Feng
	
	
By:                  
                                       

  
 Signature page to the
Shareholders’ Agreement 

 [This page contains no text, but is a signature page to the Shareholders’ Agreement of Beijing Xiao
Benniao Information Technology Co., Ltd.] 
 Investor of this Round: 
  

	
	[Sky City (Beijing) Technology Co., Ltd.] (Stamp)
	
	
By:                  
                                       

  
 Signature page to the
Shareholders’ Agreement 

 Appendix I Group Companies 

 

	(1)	 Beijing Xiao Benniao Supply Chain Management Co., Ltd., a limited liability company registered in Beijing in
accordance with the laws of China (“Xiao Benniao Supply Chain”), having its registered address at: Room 138, 1/F, Suite A3, Building 1, 18 Keyuan Road, Daxing Economic Development Zone, Beijing; unified social credit code:
91110115MA01EWY16M; 

  

	(2)	 Beijing Qinliandeli International Trade Co., Ltd., a limited liability company registered in Beijing in
accordance with the laws of China (“Beijing Qinliandeli”), having its registered address at: Room 318, 3/F, Building 5, 18 Keyuan Road, Daxing Economic Development Zone, Beijing; unified social credit code: 91110115MA01Q5G99Y;

  

	(3)	 Haiweizhen (Beijing) Network Technology Co., Ltd., a limited liability company registered in Beijing in
accordance with the laws of China (“Beijing Haiweizhen”), having its registered address at: Room 521, 5/F, Building 5, 18 Keyuan Road, Daxing Economic Development Zone, Beijing; unified social credit code: 91110115MA01K0HQ86;

  

	(4)	 Beijing Yimaoxing International Trade Co., Ltd., a limited liability company registered in Beijing in
accordance with the laws of China (“Beijing Yimaoxing”), having its registered address at: Room 2064, 2/F, Building 2, 12 Jinxing Road, Daxing District, Beijing; unified social credit code:9111011507857803X5; 

 

	(5)	 Beijing Youshida International Trade Co., Ltd., a limited liability company registered in Beijing in accordance
with the laws of China (“Beijing Youshida”), having its registered address at: Room 321, 3/F, Building 5, 18 Keyuan Road, Daxing Economic Development Zone, Beijing; unified social credit code: 91110115MA01Q3HL8E;

  

	(6)	 Xianfei (Hainan) International Trade Co., Ltd., a limited liability company registered in Haikou in accordance
with the laws of China (“Xianfei Hainan”), having its registered address at: Room 601-2, Building B, Hainan Normal University National University Science Park, 3 Haitao Avenue, Jiangdong New
Area, Meilan District, Haikou City, Hainan Province; unified social credit code: 91469027MA5TMEDX3Q; 

  

	(7)	 Shenzhen Tianxia Logistics Technology Co., Ltd., a limited liability company registered in Shenzhen in
accordance with the laws of China (“Shenzhen Tianxia Logistics”), having its registered address at: 202TX, Building 27, Jinxing Materials Company, Science & Industry Park, Technology Park Community, Yuehai Subdistrict,
Nanshan District, Shenzhen City; unified social credit code: 91440300MA5FJ7NL0N; 

  

	(8)	 Beijing Hongweichuangshi Technology Co., Ltd., a limited liability company registered in Beijing in accordance
with the laws of China (“Beijing Hongweichuangshi”), having its registered address at: Room 431, 4/F, Building 3, 18 Jinxing Road, Daxing District, Beijing; unified social credit code: 91110115MA01BGM87Y; 

	(9)	 Beijing Zhuandong Culture Technology Co., Ltd., a limited liability company registered in Beijing in accordance
with the laws of China (“Beijing Zhuandong Culture”), having its registered address at: Room 520, 5/F, Building 5, 18 Keyuan Road, Daxing Economic Development Zone, Beijing; unified social credit code: 91110115MA020E1X3M;

  

	(10)	 Shoukong Jinxin (Beijing) Technology Co., Ltd., a limited liability company registered in Beijing in accordance
with the laws of China (“Shoukong Jinxin”), having its registered address at: Room 131, 1/F, Suite A3, Building 1, 18 Keyuan Road, Daxing Economic Development Zone, Beijing; unified social credit code: 91110115MA01EL220B;

  

	(11)	 Xiao Benniao Feishi Technology (Beijing) Co., Ltd., a limited liability company registered in Beijing in
accordance with the laws of China (“Xiao Benniao Feishi”), having its registered address at: Room 413, 4/F, Building 5, 18 Keyuan Road, Daxing Economic Development Zone, Beijing; unified social credit code: 91110115MA01EYF7XC;

  

	(12)	 Xiao Benniao Zhonghan (Beijing) Technology Co., Ltd., a limited liability company registered in Beijing in
accordance with the laws of China (“Xiao Benniao Zhonghan”), having its registered address at: Room 155, 1/F, Suite A3, Building 1, 18 Keyuan Road, Daxing Economic Development Zone, Beijing; unified social credit code:
91110115MA01GU7D8X; 

  

	(13)	 Bestmind Trade and Service Ltd., a company incorporated in accordance with the laws of California (“US
Bestmind Trade”), having the registration No.: C4250332; 

  

	(14)	 XBN E-commerce Co., Ltd., a company incorporated in accordance with the
laws of California (“US XBN”), having the registration No.: C3679117; 

  

	(15)	 [Alphamic Limited], a company incorporated in accordance with the laws of Hong Kong (“Hong Kong
Alphamic”), having the registration No.: [2949175]; 

  

	(16)	 [XBN Information Technology Co., Ltd.], a company incorporated in accordance with the laws of Hong Kong
(“Hong Kong XBN Information Technology”), having the registration No.:
70543030-000-04-19-0; 

 

	(17)	 XBN Ecommerce (Hong Kong) Limited, a company incorporated in accordance with the laws of Hong Kong
(“Hong Kong XBN Ecommerce”), having the registration No.:
65816943-000-02-19-5; 

 

	(18)	 New & Vigorous Electronic Trading W.L.L., a company incorporated in accordance with the laws of the
Kingdom of Bahrain (“Bahrain XBN Electronic”); 

  

	(19)	 Comforyou Furniture & Kitchenware Trading W.L.L., a company incorporated in accordance with the laws
of the Kingdom of Bahrain (“Bahrain XBN Furniture”); 

	(20)	 Xuzhou Xianfei Shuzhi Information Technology Co., Ltd., a limited liability company registered in Xuzhou City
in accordance with the laws of China (“Xuzhou Xianfei Shuzhi”), having its registered address at: Room B305, Zhihe Building, Building B2, Software Park, Xuzhou Economic and Technology Development Zone; unified social credit code:
91320301MA23TJLD3Q; 

  

	(21)	 Hebei Xiong’an Xianfei Shuzhi Technology Co., Ltd., a limited liability company registered in Pilot Free
Trade Zone Xiong’an Area in accordance with the laws of China (“Xiong’an Xianfei Shuzhi”), having its registered address at: 302-00001, Enterprise Office Building F, Xiong’an
Citizen Service Center, China (Hebei) Pilot Free Trade Zone Xiong’an Area; unified social credit code: 91133100MA0FXB0L2M; 

  

	(22)	 Zhejiang Xianfei Shuzhi Technology Co., Ltd., a limited liability company registered in Yuhuan City in
accordance with the laws of China (“Zhejiang Xianfei Shuzhi”), having its registered address at: Xiaoshanwai Industry Park, Longxi Township, Yuhuan City, Zhejiang Province; unified social credit code: 91331021MA2K7X6Q8R.EX-4.74

 Exhibit 4.74 

Cooperation Agreement 
 This Cooperation
Agreement (this “Agreement”) is entered into as of September 27, 2021 in Chaoyang District, Beijing, People’s Republic of China, by and among: 

Party A: Pintec Technology Holdings Limited, a limited liability company incorporated under the laws of Cayman Islands (“Pintec” or
“PT”). Registered Address: P. O. Box 31119 Grand Pavilion, Hibiscus Way, 802 West Bay Road, Grand Cayman, KY1 - 1205 Cayman Islands; 

Party B: NCA DEVELOPMENT UNIT TRUST, a trust incorporated under the laws of Australia (“NCA”). Registered Address: 2A Kilsyth Avenue,
Toorak 3142; 
 Party C: FT Synergy Pte. Ltd., a limited liability company incorporated under the laws of Singapore (the “Target
Company” or “JV”), whose registered address is at 120 ROBINSON ROAD #08-01 SINGAPORE (068913), and whose subsidiaries are listed in Appendix 2; 

Party A, Party B and Party C are hereinafter referred to collectively as the “Parties”, and individually as a “Party”. 

WHEREAS: 
  

	1.	 Party A is the existing shareholder of the Target Company, and holds 100% of shares of the Target Company as of
the date of execution hereof. 

  

	2.	 Party B is a trust company. 

 

	3.	 Party C is a tech company capable of providing computer network technology development and technology
consulting services. 

  

	4.	 The Parties are willing to join their efforts to pursue reciprocity and mutual benefit as well as the goals of
the Target Company. 

  
 1/ 9 

 In consideration of the foregoing, the Parties, intending to be legally bound hereby, agree as follows upon
consensus through negotiations in accordance with the provisions of applicable laws and regulations: 
 Clause 1 Content of Cooperation

  

	1.1	 Share Transfer and Purchase 

 

	 	(1)	 Party A shall transfer to Party B 85% of the shares of the Target Company owned by it (the “Target
Shares”), and Party B agrees to accept the Target Shares, and undertakes to give full support, together with the Target Company, to Party A in completing the registration of change of the Target Shares and other relevant work by
September 30, 2021. Upon consummation of the transfer of the Target Shares, the Target Company shall become a JV, and Party A shall be entitled to receive the income earned by the Target Company in proportion to its shareholding therein,
including but not limited to legal income and distributable business profits. The ownership structure of the JV is set out below: 

  

					
	 Name of Shareholder
	  	Shareholding
Proportion (%)	 
	 Pintec Technology Holdings Limited
	  	 	15	 
	 NCA DEVELOPMENT UNIT TRUST
	  	 	85	 
		  	  
	  
	 
	 Total
	  	 	100	 
		  	  
	  
	 

  

	 	(2)	 The Parties agree that, Party A shall have the right of first refusal with respect to any proposed increase in
the registered capital of the Target Company; Party B shall firstly send a written notice to Party A, indicating such particulars as the amount of proposed increase in the registered capital, subscription price and the identity of the prospective
third party subscriber, and Party A shall have the right (but not the obligation) to subscribe for the proposed increase in the registered capital in proportion to its shareholding in the Target Company. 

 

	 	(3)	 The Parties further agree that, if Party B wishes to sell, transfer or otherwise dispose of all or part of its
direct or indirect ownership of shares of the Target Company, Party A shall have the right of first refusal with respect thereto. Party B shall firstly send to Party A a notice of the sale of its ownership of shares of the Target Company (the
“Notice of Sale”). The Notice of Sale shall contain all such particulars as the shares to be sold, selling price, payment terms and the identity of the transferee. Party A shall have the right (but not the obligation) to purchase
the shares to be sold at such price and subject to such conditions as indicated in the Notice of Sale. 

  

	1.2	 Funds and Expenses 

 

	 	(1)	 Upon consummation of the transfer of the Target Shares, Party A will no longer fund the JV in any form, and all
funds required for day-to-day management of the JV and all obligations of the JV to customers shall be for the account of Party B and the JV. Party A undertakes to waive
the JV from all loans, debts and future receivables (if any) between the JV and Party A or its affiliates, provided that the historical debts (if any) owed by the JV to any third party shall be for the account of the JV. 

  
 2/ 9 

	 	(2)	 Upon consummation of the transfer of the Target Shares, Party A will no longer provide the JV with any support
in terms of finance, legal affairs, human resources, administration or technical personnel. If the JV needs any such support from Party A, then Party A shall collect from Party B a fee at the cost per person per day plus 25%, and vice versa.

  

	1.3	 Business Divestiture 

 

	 	(1)	 Party B undertakes to complete the business divestiture (including but not limited to novation of the business
contract between Party B and Party A or any of Party A’s affiliates) between the JV (including its subsidiaries) and Party A or any of its affiliates by September 30, 2021, upon which divestiture the JV shall be responsible for its own
profit and loss. 

  

	 	(2)	 The credit business (e.g. WagePay) of FT Synergy Pte. Ltd. (AU) shall be transferred to Pintec Australia Pty
Ltd; 

  

	 	(3)	 Following completion of the divestiture, Party B shall, upon Party A’s request, provide the audited
financial statements and relevant books of accounts of the Target Company and all of its subsidiaries (if required). 

  

	1.4	 Personnel Assignment 

 

	 	(1)	 All personnel listed in Appendix 1 (each “Divested Employee”) shall enter into a new labor
contract with Shanghai Xuanji Intelligent Technology Co., Ltd. and/or Shanghai Xuanji Intelligent Technology Co., Ltd. by September 30, 2021. 

  

	 	(2)	 Party A or any of its affiliates shall cooperate with each Divested Employee in entering into a new labor
contract, and the Parties acknowledge that Party A or such affiliate has not paid or is not required to pay any compensation or fee in any form with respect to the entry into a new labor contract. 

 

	 	(3)	 Party B undertakes and warrants that continuation of the Divested Employee’s service with Party A will be
acknowledged, the position of the Divested Employee under the new labor contract be set out in an appendix hereto, and his or her salary and other benefits remain unchanged. 

 

	 	(4)	 Any Divested Employee or employee of the JV’s subsidiaries shall be transferred to Beijing Xuanji
Intelligent Technology Co., Ltd., Shanghai Xuanji Intelligent Technology Co., Ltd. or the JV along with all Party A’s computer and other IT devices currently used thereby, for which Party A shall not charge any fee. 

 

	1.5	 Office Lease 

Upon consummation of the transfer of the Target Shares, if the relevant personnel of the JV wish to continue to lease the space on 9/F of Party
A’s Heng’an Building (address: No.17 North Road of East 3rd Ring, Chaoyang District, Beijing) for office use, then the JV shall bear all lease expenses (including but not limited to rental, property management fee and water and electricity
bills) based on the area of use/number of work stations and settle the same on a monthly basis. 

  
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	1.6	 IP Cross-Licensing 

Upon consummation of the transfer of the Target Shares, the Parties (including but not limited to Party A and Party A’s affiliates, Party
B, Party C and their subsidiaries) agree to and shall cause the cross-licensing of their respective IPs. 
  

	1.7	 Technical Support 

If the JV or any of its subsidiaries needs any support for technology development from Party A or Party A’s affiliates in the future, the
support costs shall be accounted for at cost plus 25%, and vice versa. Specific details shall be agreed in a separate cooperation agreement entered into by and among the Parties. 

 

	1.8	 The Parties shall make their best efforts to proactively facilitate the cooperation hereunder, and the
particulars of the cooperation hereunder and specific legal rights and obligations of the Parties in the cooperation shall be subject to any specific agreement subsequently executed by the Parties (if required). 

Clause 2 Liabilities for Breach of Contract 
  

	2.1	 Either Party who fails to perform or duly perform this Agreement shall be deemed to have committed a
breach of contract. The breaching Party shall be held liable for breach of contract in accordance with this Agreement, and shall compensate the non-breaching Party any losses actually caused thereto. The
liability for breach of contract shall not be released by reason of termination hereof. 

 Clause 3 Confidentiality

  

	3.1	 The Parties acknowledge that the substance of and transactions under this Agreement shall be deemed
confidential information. 

  

	3.2	 Each Party agrees that it shall and shall procure its affiliates, subsidiaries and their respective
senior officers, directors, employees, agents, representatives, accountants and legal counsels to keep in confidence any confidential information that it receives or obtains from any other Party, and shall not disclose to any third party (including
but not limited to any other investor of such Party) or use such confidential information, unless agreed by the other Party in writing in advance or required by judicial or administrative proceedings or other laws or regulations.

  

	3.3	 The confidentiality obligation under this Clause 3 shall not apply to: (i) any information
permitted to be disclosed pursuant to this Agreement; (ii) any information that has become available to the public at the time of disclosure through no breach of this Agreement by any Party or any of its affiliates or subsidiaries or their
respective senior officers, directors, employees, agents, representatives, accountants and legal counsels; (iii) any information obtained from any third party in good faith under no confidentiality obligation; or (iv) any information
disclosed to the extent agreed upon by the Parties. 

  

	3.4	 The Parties agree that any Party and its affiliates and subsidiaries (including their senior officers,
directors, employees, partners, members, shareholders, agents, representatives, accounts, financial advisors and legal counsels) may disclose any confidential information to competent government, judicial or securities regulatory authority in
accordance with the provisions of applicable laws and regulations or the requirements of such authority, provided that such disclosure shall be made to the extent so required. 

  
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 Clause 4 Miscellaneous 

 

	4.1	 Notices 

  

	 	4.1.1	 All notices and other communications required or given hereunder shall be addressed to any Party at its address
set forth below by personal delivery, registered mail (postage prepaid), commercial courier service or facsimile. Also, each notice shall be served on the addressee by email. The date on which such notice is duly served shall be determined in such
manner as set forth below: 

  

	 	(1)	 If the notice is sent by personal delivery, courier service or registered mail (postage prepaid), then it shall
be deemed to have been duly served on the date when it is received or refused at the address of notice; 

  

	 	(2)	 If the notice is sent via facsimile, then it shall be deemed to have been duly served on the date of successful
transmission (as proven by the automatically generated acknowledgment of transmission). 

  

	 	4.1.2	 The addresses of the Parties for the purpose of notice are provided below: 

Party A: Pintec Technology Holdings Limited 

Address: 9/F, No.17 North Road of East 3rd Ring, Chaoyang District, Beijing 

Attention: Victor Huike Li 
 Tel: 010-85643600 
 Party B: NCA DEVELOPMENT UNIT TRUST 

Address: 2A Kilsyth Avenue, Toorak 3142 

Attention: Ms. Lei Zheng 

Tel: +61 425 406 594 
 Party C:
FT Synergy Pte. Ltd. 
 Address: 16 Raffles Quay # 41-01 Hong Leong Building Singapore 048581 

Attention: Victor Huike Li 
 Tel:
+65 8120 9266 
  

	 	4.1.3	 Any Party may at any time change its address for notice by giving notice to any other Party in accordance with
this clause. 

  
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	4.2	 Modification and Amendment 

In case the cooperation under or any business clause of this Agreement needs to be improved, the Parties may alter this Agreement in writing to
the extent necessary for cooperation. 
  

	4.3	 Assignment 

This Agreement shall not be assigned by law or by any Party without the prior written consent of the other Parties. 

 

	4.4	 Entire Agreement 

The Parties acknowledge that this Agreement shall constitute the entire agreement and understanding reached by the Parties with respect to the
subject matter hereof, and entirely supersedes all prior agreements and/or understandings, whether oral or in writing, by and among the Parties with respect to the subject matter hereof. 

 

	4.5	 Severability 

Should any provision hereof be held invalid or unenforceable, the remaining provisions hereof shall not be affected, and shall remain in full
force and effect and continue to be enforceable. 
  

	4.6	 Legality 

During the term of this Agreement, in case the implementation of any provision hereof is affected by national laws, regulations or policies,
the Parties shall adjust such provision accordingly in accordance with national applicable regulations. 
  

	4.7	 Effectiveness 

This Agreement shall become effective as of the date on which the Parties affix hereunto their seals or signatures. This Agreement is executed
in three (3) counterparts, with each Party holding one (1) counterpart and each counterpart having the same legal force and effect. 
  

	4.8	 Governing Laws 

This Agreement shall be governed by and interpreted in accordance with the laws of the PRC (for the avoidance of doubt, excluding the laws of
Hong Kong, Macau and Taiwan). 
  

	4.9	 Dispute Resolution 

Any dispute, controversy or claim arising from or in connection with this Agreement (including its existence, validity or termination) shall be
firstly resolved by the Parties through amicable negotiations. If such dispute, controversy or claim has not been resolved within sixty (60) days after giving of the written notice of commencement of negotiation, the dispute, controversy or
claim shall be filed with Beijing Arbitration Commission for arbitration in accordance with its then effective arbitration rules (which rules shall be included in this clause by reference). The arbitral award shall be final and binding on the
Parties. The arbitral tribunal shall consist of a sole arbitrator, to be appointed in accordance with the then effective rules of Beijing Arbitration Commission. The arbitration proceedings shall be conducted in Chinese. 

(The remainder of this page is intentionally left blank) 

  
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 IN WITNESS WHEREOF, the Parties have caused their respective authorized representatives to execute this
Agreement as of the first date written above. 
  

			
	Party A: Pintec Technology Holdings Limited (Seal)
		
	By:	 	  

	Name:	 	Victor Huike Li
	Title:	 	Director

  

			
	Party B: NCA DEVELOPMENT UNIT TRUST (Seal)
		
	By:	 	  

	Name:	 	Ms. Lei Zheng
	Title:	 	Director

  

			
	Party C: FT Synergy Pte. Ltd. (Seal)
		
	By:	 	  

	Name:	 	Victor Huike Li
	Title:	 	Director

  
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 Appendix 1 
  

							
	 S/N
	  	 Name
	  	 New Signer
	  	 Title

	1	  	Zhou Lun	  	Beijing Xuanji	  	President of Business Department
	2	  	Sun Hui	  	Beijing Xuanji	  	Project Delivery Director
	3	  	He Li	  	Beijing Xuanji	  	Project Manager
	4	  	Wang Xiaoli	  	Beijing Xuanji	  	Senior Development Engineer
	5	  	Li Xingle	  	Beijing Xuanji	  	Software Development Engineer
	6	  	Qian Jizhi	  	Beijing Xuanji	  	Test Manager
	7	  	Zhang Chen	  	Beijing Xuanji	  	Senior Product Manager
	8	  	Song Zhijian	  	Beijing Xuanji	  	Software Development Engineer
	9	  	Wang Yang	  	Beijing Xuanji	  	Software Development Engineer
	10	  	Guo Haolei	  	Beijing Xuanji	  	Software Development Engineer
	11	  	Wang Yu	  	Beijing Xuanji	  	Test Engineer
	12	  	Liu Hongbin	  	Beijing Xuanji	  	Post-Lending Management Expert
	13	  	Guo Yuping	  	Beijing Xuanji	  	Senior Test Engineer
	14	  	Luo Wentao	  	Beijing Xuanji	  	Project Manager
	15	  	Tian Mengyuan	  	Shanghai Xuanji	  	Credit Strategy Analyst
	16	  	Wang Bowen	  	Shanghai Xuanji	  	Credit Strategy Analyst

  
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 Appendix 2 
  

 

  
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