Document:

Exhibit 10.4

 

	[Name of the VIE]	Power of Attorney	 

 

POWER OF ATTORNEY

 

I, [Name of Shareholder] (Chinese Identification
Card No.: [ID Card No. of Shareholder]), own [number]% of the entire equities of [Name
of the VIE] (the “Target Company” or “[Name of the VIE]”) as of the date of this Power of
Attorney. I hereby irrevocably authorize Shanghai Santeng Technology Co., Ltd. (the “WFOE”) to exercise the
following rights relating to my equity interests in [Name of the VIE] (“My Equity Interests”) during the term
of this Power of Attorney:

 

The WFOE or its designated person(s) (including
but not limited to directors of the WFOE’s parent company and their successors as well as any liquidator who is in place
of such parent company’s directors, but excluding any person who is non-independent or may lead to a conflict of interest)
(the “Proxy”) is hereby authorized to act on behalf of myself as my sole exclusive agent with full power in
respect of all matters concerning My Equity Interests, including without limitation: (1) to attend shareholders’ meetings
of [Name of the VIE] and sign the minutes thereof; (2) to file all necessary documents with relevant company registry; (3) to exercise
all the shareholder’s rights and shareholder’s voting rights I am entitled to under the laws of China and the articles
of association of [Name of the VIE], including but not limited to the sale, transfer, pledge or disposition of all or any part
of My Equity Interests; and (4) in the capacity of my authorized representative, to designate and appoint the legal representative,
director, supervisor, general manager and other senior officers of [Name of the VIE].

 

I hereby confirm that, without the prior
written consent of the WFOE, I will not, directly or indirectly, participate, engage or be involved in, or have, or use any information
received from the WFOE to participate, engage or be involved in, or have, any business competing with the principal business of
the WFOE or its affiliates, nor will I hold or receive any interest in/from any business competing with the principal business
of the WFOE or its affiliates. For avoidance of doubt, this Power of Attorney shall not be deemed to have authorized myself or
any other person who is non-independent or may lead to a conflict of interest to exercise any rights covered by this Power of Attorney.

 

If I become a person without civil capacity
or only with limited civil capacity for any reason, all my agents or successors shall continue to perform their duties and have
their rights, provided that they shall covenant to continue to comply with the terms of this Power of Attorney.

 

The Proxy shall have the right to execute,
on my behalf, the Exclusive Purchase Option Agreement and the Equity Pledge Agreement to be signed by and among the WFOE, [Name
of the VIE] and me respectively on March 9, 2020 and March 9, 2020 (including any amendment, revision or restatement of such documents,
and hereinafter collectively referred to as the “Transaction Documents”) as well as all the documents to be
signed by me as agreed in the Transaction Documents, and to perform the Transaction Documents on schedule. The exercise of such
right shall not form any restriction or limit on the authority granted hereunder.

 

All action of the Proxy in respect of my
authorization shall be deemed as my own actions, and all documents that may be executed by the Proxy in respect of my authorization
shall be deemed to have been executed by myself. I will acknowledge such actions and execution of documents.

 

     

     

    

 

	[Name of the VIE]	Power of Attorney	 

 

The Proxy shall have the right to re-authorize
and may, at its own discretion, delegate its rights hereunder to other person or entity in respect of the aforesaid matters without
giving prior notice to me or obtaining my consent. The Proxy shall designate a Chinese citizen to exercise such right if so required
by Chinese laws. Unless otherwise specified herein, the Proxy shall have the right to transfer, use or otherwise dispose of the
cash dividends and other non-cash proceeds generated from My Equity Interest in accordance with my oral or written instructions.

 

On the precondition that I am or my successor
is a shareholder of the Target Company, this Power of Attorney shall be effective as of the date hereof and shall be irrevocable
and continuously valid, unless otherwise instructed by the WFOE in writing. Once the WFOE notifies me to terminate all or any part
of the authorities granted hereunder or to change the Proxy, I shall immediately withdraw the entrustment and authorization granted
to the WFOE hereunder, and, upon the WFOE’s written instructions, immediately execute a document in the same form as that
of this Power of Attorney and grant powers of attorney and authorization to such other person or entity as may be nominated by
the WFOE on the same terms as those of this Power of Attorney.

 

For avoidance of doubt, I hereby acknowledge
that I have been acting in accordance with the relevant terms of this Power of Attorney from January 1, 2018, and that there is
no breach of the terms hereof.

 

In the event of any dispute arising from
the implementation hereof or in connection with this Power of Attorney, either I or the Proxy shall have the right to submit the
dispute to Shanghai International Economic and Trade Arbitration Commission for arbitration in Shanghai in accordance with its
arbitration procedures and rules then in effect. The arbitration tribunal shall consist of three arbitrators who shall be appointed
in accordance with the arbitration rules. The claimant and the respondent shall respectively appoint one arbitrator, and the third
arbitrator shall be appointed by the first two arbitrators through negotiations. The arbitration proceedings shall be conducted
in Chinese in a confidential manner. The arbitration award shall be final and binding upon the parties thereto. In appropriate
circumstances, the arbitration tribunal or arbitrators may award remedial measures in respect of My Equity Interests or assets
in accordance with applicable Chinese laws, including restriction on conduct of business, and restriction or prohibition of transfer
or sale of equities or assets. In addition, in the course of forming the tribunal, either I or the Proxy shall have the right to
file an application to any court with competent jurisdiction (including courts in the PRC, Hong Kong and Cayman Islands) for grant
of temporary reliefs. During the arbitration proceeding, this Power of Attorney shall continue to be valid except for the part
which is disputed by the Proxy or me and subject to arbitration.

 

During the term of this Power of Attorney,
I hereby waive all the rights related to My Equity Interests, which have been authorized to the WFOE through this Power of Attorney,
and shall not exercise such rights by myself.

 

(THE REMAINDER OF THIS PAGE IS INTENTIONALLY
LEFT BLANK)

 

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	[Name of the VIE]	Power of Attorney	 

 

(Signature
Page of the Power of Attorney)

 

Principal: 

[Name of the Shareholder]

 

Signature: ________________________________

 

Signed on this 9th day of March, 2020

 

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	[Name of the VIE]	Power of Attorney	 

 

(Signature
Page of the Power of Attorney)

 

Proxy: 

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

  

	Signature: 	________________________________
	 	Its Legal or Authorized Representative

 

Signed on this 9th day of March, 2020

 

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	[Name of the VIE]	Power of Attorney	 

 

(Signature
Page of the Power of Attorney)

 

Target Company: 

[Name of the VIE] (official seal)

  

	Signature:	________________________________
	 	Its Legal or Authorized Representative

 

Signed on this 9th day of March, 2020

 

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	[Name of the VIE]	Power of Attorney	 

 

Schedule of
Material Differences

 

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

 

	No.	 	Name of
    Shareholder	 	Name of the VIE	 	ID Card
    No. of Shareholder	 	Percentage	 
	1.	 	Yongxiang Lu	 	Daxin Wealth Investment Management (Shanghai) Co., Ltd. (“Daxin Wealth)	 	[***]	 	 	90	%
	2.	 	Qiaoling Lu	 	Daxin Wealth	 	[***]	 	 	5	%
	3.	 	Yiheng Guo	 	Daxin Wealth	 	[***]	 	 	5	%
	4	 	Yongxiang Lu	 	Daxin Zhuohui Financial Information Service (Shanghai) Co., Ltd. (“Daxin Zhuohui)”	 	[***]	 	 	90	%
	5	 	Zhiyao Guo	 	Daxin Zhuohui	 	[***]	 	 	10	%
	6	 	Qingdao Youyou Town Electronic Technology Co., Ltd.	 	Qingdao Buytop Payment Service Co., Ltd.	 	n/a	 	 	100	%

 

 

 

 

6Exhibit 10.5

 

	[Name of the VIE]	Equity Pledge Agreement

 

EQUITY PLEDGE AGREEMENT

 

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

 

Party A: Shanghai Santeng Technology
Co., Ltd. (the “Pledgee”)

Legal representative: LU Qiaoling

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

 

Party B: [Name of the Shareholder] (the
“Pledgor”)

Identification No.: [ID
Card No. of Shareholder]

 

Party C: [Name of the VIE] (the
“Domestic Company”)

Legal representative: [Name of the Legal
Representative of the VIE]

Registered address: [Registered Address
of the VIE]

 

In this Agreement, the Pledgee, the Pledgor
and the Domestic Company are hereinafter collectively referred to as the “Parties” and individually a “Party”.

 

WHEREAS:

 

		1.	The Pledgor is a natural person of the PRC nationality and owns [number]% of the equity interest
in the Domestic Company as of the execution date hereof, representing RMB [amount] of the Domestic Company’s registered capital.
The Domestic Company is a limited liability company duly registered and legally existing in the PRC. The Domestic Company intends
to hereby confirm the rights and obligations of the Pledgor and Pledgee hereunder and offers necessary assistance in the registration
of such Pledge.

 

		2.	The Pledgee is a wholly foreign-owned enterprise registered in the PRC. The Pledgee has entered
into the Exclusive Business Cooperation Agreement (as defined below) with the Domestic Company; the Pledgee, the Pledgor and the
Domestic Company have executed the Exclusive Option Agreement (as defined below); the Pledgee and the Pledgor have signed the Loan
Contract (as defined below); and the Pledgor has signed the Power of Attorney (as defined below) authorizing the Pledgee.

 

		3.	In order to ensure that the Domestic Company and the Pledgor duly perform their respective obligations
under the Exclusive Business Cooperation Agreement, the Exclusive Option Agreement, the Loan Contract and the Power of Attorney,
the Pledgor pledges to the Pledgee all the equity interests he owns in the Domestic Company as security for the performance of
his obligations under the Exclusive Business Cooperation Agreement, the Exclusive Option Agreement, the Loan Contract and the Power
of Attorney.

 

     

     

    

 

	[Name of the VIE]	Equity Pledge Agreement

 

For performance of the terms of the Transaction
Documents (as defined below), upon negotiations, the Parties have agreed to enter into this Agreement in accordance with the following
terms:

 

Article 1  Definitions

 

Unless otherwise specified in this Agreement,
the terms below shall have the following meanings:

 

		1.1	“Pledge” means the security interest granted by the Pledgor to the Pledgee pursuant
to Article 2 of this Agreement, being the right of the Pledgee to be compensated on a preferential basis with the equity interest
pledged by the Pledgor to the Pledgee or any proceeds received from the conversion, auction or sale of such pledged equity interest;

 

		1.2	“Pledged Equity” means the [number]% of the equity interest in the Domestic
Company owned by the Pledgor now or in the future, representing RMB [amount] of the Domestic Company’s registered capital,
and all the equity interests held by the Pledgor in the Domestic Company in the Company.

 

		1.3	“Pledge Term” means the period set forth in Article 3 hereof.

 

		1.4	“Transaction Documents” means the Exclusive Business Cooperation Agreement executed
by and between the Domestic Company and the Pledgee on March 9, 2020 (the “Exclusive Business Cooperation Agreement”),
the Loan Contract dated March 9, 2020 between the Pledgor and the Pledgee (the “Loan Contract”), the Exclusive
Purchase Option Agreement executed by and among the Domestic Company, the Pledgor and the Pledgee on March 9, 2020 (the “Exclusive
Option Agreement”), the Power of Attorney signed by the Pledgor on March 9, 2020 (the “Power of Attorney”),
and any supplement amendment and/or restatement of the foregoing.

 

		1.5	“Contractual Obligations” means all the obligations of the Pledgor under the
Exclusive Option Agreement, the Loan Contract, the Power of Attorney and this Agreement, and all the obligations of the Domestic
Company under the Exclusive Business Cooperation Agreement, the Exclusive Option Agreement and this Agreement.

 

		1.6	“Secured Debts” means all direct, indirect and derivative losses and losses
of anticipated profits suffered by the Pledgee as a result of any Default Event of the Pledgor and/or the Domestic Company. The
basis for the amount of such losses includes without limitation reasonable business plans and profit forecasts of the Pledgee,
the service fees that the Domestic Company is obliged to pay under the Exclusive Business Cooperation Agreement, the amount of
loan that the Pledgor is obliged to repay under the Loan Contract, as well as all the expenses incurred by the Pledgee in connection
with its enforcement for the performance of the Contractual Obligations against the Pledgor and/or the Domestic Company.

 

		1.7	“Default Event” means any of the circumstances set forth in Article 7 hereof.

 

		1.8	“Default Notice” means the notice to be issued by the Pledgee in accordance
with this Agreement declaring a Default Event.

 

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	[Name of the VIE]	Equity Pledge Agreement

 

Article 2  Pledge

 

		2.1	The Pledgor hereby agrees to pledge to the Pledgor the Pledged Equity on terms of this Agreement
as security for his performance of the Contractual Obligations and repayment of the Secured Debts. The Domestic Company hereby
agree that the Pledgor may pledge the Pledged Equity to the Pledgee in accordance with the terms of this Agreement.

 

		2.2	During the Pledge Term, the Pledgee shall be entitled to receive bonus or dividend generated by
the Pledged Equity. The Pledgor may not receive any dividend or bonus without the prior written consent of the Pledgee. After deduction
of the individual income tax to be paid by the Pledgor, the dividend or bonus received by the Pledgor for the Pledged Equity shall,
at the request of the Pledgee, (i) be deposited in the bank account designated by the Pledgee, being supervised and administrated
by the Pledgee, and shall be used to secure the Contractual Obligations and repay the Secured Debts first; or (ii) be unconditionally
donated to the Pledgee or its designated person to the extent permitted by the PRC laws.

 

		2.3	Without the Pledgee’s prior written consent, the Pledgor shall not increase the registered
capital of the Domestic Company. Any additional contribution amount of the Pledgor to the registered capital of the Domestic Company
arising from the Pledgor’s increase of the capital shall also be deemed as the Pledged Equity.

 

		2.4	In the event that the Domestic Company is required to be dissolved or liquidated in accordance
with the mandatory provisions of the PRC laws, any proceeds lawfully distributed to the Pledgor after completion of such dissolution
or liquidation of the Domestic Company shall, at the request of the Pledgee, (i) be deposited in the bank account designated by
the Pledgee, being supervised and administrated by the Pledgee, and shall be used to secure the Contractual Obligations and repay
the Secured Debts first; or (ii) be unconditionally donated to the Pledgee or its designated person to the extent permitted by
the PRC laws.

 

Article 3  Pledge Term

 

		3.1	The Pledge shall take effect as of the date on which the pledge of the Pledged Equity hereunder
has been registered with the competent industrial and commercial authority and shall remain valid until all the Contractual Obligations
have been fulfilled and all the Secured Debts have been paid. The Pledgor and the Domestic Company shall: (i) record the Pledge
hereunder in the register of shareholders of the Domestic Company within three (3) business days from the execution of this Agreement;
and (ii) submit an application to the competent industrial and commercial authority for the registration of the Pledge hereunder
within thirty (30) business days from the execution of this Agreement. The Parties acknowledge that, for the purpose of registering
the equity pledge contemplated hereunder with competent industrial and commercial authority, the Parties and other shareholders
of the Domestic Company shall submit to the competent industrial and commercial authority this Agreement or an equity pledge contract
executed in the form as required by the administration for industry and commerce at the place of the Domestic Company, and reflecting
true information about the Pledge hereunder (the “Contract for Registration”), and matters not specified in
the Contract for Registration shall be subject to terms of this Agreement. The Pledgor and the Domestic Company shall submit all
necessary documents and complete all necessary procedures in accordance with the PRC laws and regulations and all requirements
of relevant industrial and commercial authority to assure that the Pledge can be registered as soon as possible after submission
of the registration application.

 

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	[Name of the VIE]	Equity Pledge Agreement

 

		3.2	During the Pledge Term, the Pledgee shall have the right, but not the obligation, to exercise the
Pledge in accordance with the provisions of this Agreement if the Pledgor and/or the Domestic Company fails to perform the Contractual
Obligations or pay the Secured Debts.

 

Article 4  Safekeeping of Documents

 

		4.1	During the Pledge Term set forth in this Agreement, the Pledgor shall, within one (1) week from
the execution date hereof, deliver his Certificate of Capital Contribution to the Domestic Company and the register of shareholders
recording the Pledge to the Pledgee for safekeeping. The Pledgee will keep such documents during the entire Pledge Term under this
Agreement.

 

Article 5  Representations and Warranties

 

		5.1	The Pledgor and the Domestic Company hereby jointly and severally makes the following representations
and warranties to the Pledgee as of the execution date of this Agreement:

 

		5.1.1	the Pledgor is the sole lawful owner of the Pledged Equity;

 

		5.1.2	the Pledgee has the right to dispose of and transfer the Pledged Equity in the manner specified
in this Agreement;

 

		5.1.3	other than the Pledge, the Pledgor has not created any other pledge right or security interest
on the Pledged Equity;

 

		5.1.4	the Pledgor and the Domestic Company have obtained the consents and approvals (if necessary) from
governmental authorities and third parties to execute, deliver and perform this Agreement; and

 

		5.1.5	none of the execution, delivery and performance of this Agreement will: (i) result in a violation
of any relevant PRC laws; (ii) be in conflict with the articles of association or other organizational documents of the Domestic
Company; (iii) result in a breach of, or constitute a default under, any contract or document to which any of them is a party or
by which he/it may be bound; (iv) result in a violation of any condition in connection with the grant and/or survival of any licenses
or approvals issued to any of them; or (v) result in the suspension or revocation of, or imposition of additional conditions to,
any licenses or approvals issued to any of them;

 

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	[Name of the VIE]	Equity Pledge Agreement

 

Article 6  Undertakings

 

		6.1	During the term of this Agreement, the Pledgor and the Domestic Company jointly and severally undertake
to the Pledgee that:

 

		6.1.1	except for the purpose of performing the Transaction Documents, without the Pledgee’s prior
written consent, the Pledgor shall not transfer all or any part of the Pledged Equity, nor create or permit the existence of any
security interest or other encumbrance on the Pledged Equity;

 

		6.1.2	the Pledgor and the Domestic Company will comply with and implement all the provisions of laws
and regulations in connection with pledge of rights, and shall, within five (5) days upon receipt of any notice, order or advice
given or made by relevant regulatory authority in respect of the Pledge, present such notice, order or advice to the Pledgee, and
shall either comply with the same, or submit any objection or statement in respect of such matter upon the Pledgee’s reasonable
request or with the Pledgee’s consent;

 

		6.1.3	the Pledgor and the Domestic Company shall timely notify the Pledgee of any event or received notice
which may result in any impact on the right to all or any part of the Pledged Equity, as well as any event or received notice which
may change any warranties or obligations of the Pledgor hereunder or may affect the Pledgor’s performance of his obligations
hereunder; and

 

		6.1.4	the Domestic Company shall, within three (3) months prior to the expiration of its business term,
complete the registration procedure for extension of its business term to enable this Agreement to continue to be valid.

 

		6.2	The Pledgor agrees that the Pledgee’s right to the Pledge obtained on terms of this Agreement
shall not be suspended or impaired by any legal proceeding initiated by the Pledgor, any successor of the Pledgor, any person entrusting
the Pledgor, or any other person.

 

		6.3	The Pledgor warrants to the Pledgee that, in order to protect and perfect the security for the
performance of the Contractual Obligations and payment of Secured Debts hereunder, the Pledgor will execute in good faith and cause
other parties who have interests in the Pledge to execute, all such title certificates and contracts, and/or take and cause such
other interested parties to take, all such actions, as may be required by the Pledgee, facilitate the exercise of the rights and
authority granted to the Pledgee hereunder, enter into all documents regarding the ownership of the Pledged Equity with the Pledgee
or its designated person (natural or legal person), and provide the Pledgee with all the notices, orders and decisions in relation
to the Pledge which it deems necessary.

 

		6.4	The Pledgor warrants to the Pledgee that the Pledgor will comply with and perform all the warranties,
undertakings, agreements, representations and conditions hereunder. If the Pledgor fails to perform or fully perform his warranties,
undertakings, agreements, representations and conditions, the Pledgor shall indemnify the Pledgee against all the losses which
may arise from such failure.

 

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	[Name of the VIE]	Equity Pledge Agreement

 

Article 7  Default Event

 

		7.1	Each of the following events shall be deemed as a Default Event:

 

		7.1.1	the Pledgor breaches any of his obligations under the Transaction Documents and/or this Agreement;
or

 

		7.1.2	the Domestic Company breaches any of its obligations under the Transaction Documents and/or this
Agreement.

 

		7.2	The Pledgor and the Domestic Company shall immediately notify the Pledgee in writing upon awareness
or discovery of the occurrence of any circumstances referred in above Article 7.1 or any event that may lead to any such circumstances.

 

		7.3	Unless a Default Event under Article 7.1 is remedied at the request of the Pledgee within twenty
(20) days after the Pledgee’s delivery of a notice to the Pledgor and/or the Domestic Company requesting a remedy thereof,
the Pledgee may at any time thereafter send a notice of default to the Pledgor in writing to request the exercise of the Pledge
in accordance with Article 8.

 

Article 8  Exercise of the Pledge

 

		8.1	The Pledgee shall issue a written notice of default to the Pledgor at the time of exercising the
Pledge.

 

		8.2	Subject to Article 7.3 hereof, the Pledgor may exercise the Pledge at any time after delivery of
the notice of default as set forth in Article 8.1. When the Pledge decides to exercise the Pledge, the Pledgor shall no longer
have any rights or interests in respect of the Pledged Equity.

 

		8.3	After the delivery of the default notice as set forth in Article 8.1, the Pledgee shall have the
right to exercise all the remedies for breach of agreement to which it may be entitled under the PRC laws, the Transaction Documents
and this Agreement, including but not limited to being compensated on a preferential basis with the proceeds from the conversion,
auction or sale of the Pledged Equity. The Pledgee shall not be liable for any losses arising from its reasonable exercise of such
rights and powers

 

		8.4	The proceeds from the Pledgee’s exercise of the Pledge shall be first used to pay the taxes
and expenses which become payable as a result of the disposition of the Pledged Equity, to perform the Contractual Obligations
to the Pledgee, and to repay the Secured Debts. If there is any remaining amount after payment of the foresaid sums, the Pledgee
shall return such remaining amount to the Pledgor or any other person who is entitled to such remaining amount under applicable
laws and regulations, or deposit the same with the notary public at the place where the Pledgor is located, and the Pledgor shall
be solely liable for any costs and expenses that may arise therefrom. To the extent permitted by the PRC laws, the Pledgor shall
unconditionally donate such remaining sum to the Pledgee or its designated person.

 

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	[Name of the VIE]	Equity Pledge Agreement

 

		8.5	The Pledgee shall have the right to select to exercise, either simultaneously or successively,
any remedies for breach of agreement available to it. The Pledgee shall not be required to exercise other remedies before it exercises
its right to get compensated on a preferential basis with the proceeds from the conversion, auction or sale of the Pledged Equity.

 

		8.6	The Pledgee has the right to designate its lawyer or other agent in writing to exercise the Pledge
on its behalf, and neither the Pledgor nor the Domestic Company may raise any objection thereto.

 

		8.7	When the Pledgee exercise the Pledge in accordance with this Agreement, the Pledgor and the Domestic
Company shall offer necessary assistance to enable the Pledgee to realize its right to the Pledge.

 

		8.8	The Pledgor shall be solely liable for any costs and expenses that may arise from the Pledgee’s
exercise of the Pledge (including an exercise by its designated lawyer or other agent).

 

Article 9  Liability for Breach of
Agreement

 

		9.1	If the Pledgor or the Domestic Company commits a material breach of any terms hereunder, the Pledgee
shall have the right to terminate this Agreement and/or request the Pledgor or the Domestic Company to make compensation for the
damages, and this Article 9 shall not prejudice or impair any other rights of the Pledgee under this Agreement.

 

		9.2	Unless otherwise specified by laws, the Pledgor and the Domestic Company shall in no event have
the right to terminate or rescind this Agreement.

 

Article 10  Assignment

 

		10.1	Without the prior written consent of the Pledgee, neither the Pledgor nor the Domestic Company
may donate or transfer any of their respective rights and obligations under this Agreement.

 

		10.2	This Agreement shall be binding upon the Pledgor and his successors and permitted assignees, and
shall be effective on the Pledgor and each of his successors and permitted assignees.

 

		10.3	The Pledgee may at any time transfer all or any of its rights and obligations in the Transaction
Documents and this Agreement to its designated person(s), in which case, the assignee(s) shall have the rights and obligations
which the Pledgee have under the Transaction Documents and this Agreement, as if such assignee(s) was an original party hereto.

 

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	[Name of the VIE]	Equity Pledge Agreement

 

		10.4	After a change of Pledgee as a result of a transfer or assignment, at the Pledgee’s request,
the Pledgor and/or the Domestic Company shall enter into a new equity pledge agreement with the new pledgee on the same terms and
conditions of this Agreement, and shall register such change with competent industrial and commercial authority.

 

		10.5	The Pledgor and the Domestic Company shall strictly comply with the provisions of this Agreement
and other relevant agreements individually or jointly signed by the Parties, including the Transaction Documents, perform their
obligations under the Transaction Documents, and shall refrain from any action/inaction that is sufficient to affect the validity
and enforceability hereof and thereof. Unless instructed by the Pledgee in writing, the Pledgor shall not exercise any of his remaining
rights with respect to the Pledged Equity.

 

Article 11  Termination

 

		11.1	After full and complete performance of all the Contractual Obligations and full repayment of all
the Secured Debts by the Pledgor and the Domestic Company, the Pledgee shall, at the request of the Pledgor, release the pledge
of the Pledged Equity under this Agreement as soon as reasonably practicable and cooperate with the Pledgor to deregister the equity
pledge recorded in the register of shareholders of the Domestic Company and to deregister the pledge with the competent industrial
and commercial authority.

 

		11.2	The provisions of Article 9, 13 and 14 and this Article 11.2 shall survive the termination of this
Agreement.

 

Article 12  Handling Charges and Other
Expenses

 

		12.1	Unless otherwise specified in this Agreement, all costs and expenses actually incurred in connection
with this Agreement, including without limitation the legal fees, cost of production, stamp duty and any other taxes and expenses,
shall be solely borne by the Domestic Company.

 

Article 13  Confidentiality Obligations

 

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

 

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	[Name of the VIE]	Equity Pledge Agreement

 

Article 14  Governing Law and Dispute
Resolution

 

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

 

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

 

		14.3	During the arbitration proceeding, the Parties shall continue to own their respective rights hereunder
and perform their respective obligations hereunder, other than those which are under dispute and subject to arbitration.

 

Article 15  Notices

 

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

 

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

 

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

 

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

 

    9

     

    

 

	[Name of the VIE]	Equity Pledge Agreement

 

Article 16  Severability

 

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

 

Article 17  Miscellaneous

 

		17.1	This Agreement shall come into effect upon signature by the Parties. Any modification, supplement
or amendment to this Agreement must be made in writing and shall not become effective until it is signed by the Parties.

 

		17.2	This Agreement shall be executed in four counterparts, with each Party holding one counterpart
hereof, and the remaining counterparts shall be used for the registration of the Pledge. Each counterpart of this Agreement shall
have the same legal effect.

 

(The
Remainder of this Page is Intentionally Left Blank)

 

    10

     

    

 

	[Name of the VIE]	Equity Pledge Agreement

 

(Signature
Page of the Equity Pledge Agreement)

 

Party A: 

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

  

	By:	________________________________
	 	Its Legal or Authorized Representative

 

Signed on this 9th day of March, 2020

 

    11

     

    

 

	[Name of the VIE]	Equity Pledge Agreement

 

(Signature
Page of the Equity Pledge Agreement)

 

Party B: 

[Name of the Shareholder]

 

Signature: ________________________________

 

Signed on this 9th day of March, 2020

    12

     

    

 

	[Name of the VIE]	Equity Pledge Agreement

 

(Signature
Page of the Equity Pledge Agreement)

 

Party C: 

[Name of the VIE] (official seal)

  

	By:	________________________________
	 	Its Legal or Authorized Representative

 

Signed on this 9th day of March, 2020

 

    13

     

    

 

	[Name of the VIE]	Equity Pledge Agreement

 

Schedule of
Material Differences

 

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

 

	No.	 	Name of Shareholder	 	Name of the VIE	 	Registered Address of the VIE	 	ID Card No. of Shareholder	 	Percentage	 	 	Represented Amount of the VIE’s Registered Capital
	1.	 	Yongxiang Lu	 	Daxin Wealth Investment Management (Shanghai) Co., Ltd. (“Daxin Wealth)	 	[***]	 	[***]	 	 	90	%	 	[RMB * million]
	2.	 	Qiaoling Lu	 	Daxin Wealth	 	[***]	 	[***]	 	 	5	%	 	[RMB * million]
	3.	 	Yiheng Guo	 	Daxin Wealth	 	[***]	 	[***]	 	 	5	%	 	[RMB * million]
	4	 	Yongxiang Lu	 	Daxin Zhuohui Financial Information Service (Shanghai) Co., Ltd. (“Daxin Zhuohui)”	 	[***]	 	[***]	 	 	90	%	 	[RMB * million]
	5	 	Zhiyao Guo	 	Daxin Zhuohui	 	[***]	 	[***]	 	 	10	%	 	[RMB * million]
	6	 	Qingdao Youyou Town Electronic Technology Co., Ltd.	 	Qingdao Buytop Payment Service Co., Ltd.	 	[***]	 	n/a	 	 	100	%	 	[RMB * million]

 

 

14

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