Document:

EX-10.18

 Exhibit 10.18 

Certain information in this document identified by brackets has been omitted because it is both not material and would be competitively harmful if publicly
disclosed. 
 Agreement No.: Wei Yin (BMW-Huachang) He Bu Zi [2019] No.001 

Supplementary Agreement of the Auto Financing Business 

Cooperation Agreement 

 This Supplementary Agreement is made by and between: 

Party A: Shenzhen Qianhai WeBank Co., Ltd. 
 Domicile (Address):
Block A, Building 7, Shenzhen Bay Science and Technology Ecological Park, 1819 Shahe West Road, Nanshan District, Shenzhen City, PRC. 
 Legal
Representative (Responsible Person): Gu Min 
 Contact Information: [REDACTED] 

and 
 Party B: Huachang Finance Leasing (China) Co., Ltd. 

Domicile (Address): No. 208, South Side of Floor 2, Phase I, Airport Second-hand Vehicle Trading Market, 8 Middle Road, Automobile Park, Tianjin Pilot
Free Trade Zone (Airport Economic Area). 
 Legal Representative (Responsible Person): Xu Wen 

Contact Information: [REDACTED]@mljr.com 
 WHEREAS: 

 

	1.	 Party A, Party B, Liyun Vehicle Consulting Services (Shanghai) Co., Ltd. and Tiandao Jiran (Beijing) Network
Technology Co., Ltd. signed the Agreement on Cooperation and Guarantee of Auto Financing Business (Agreement No.: Wei Yin (BMW-Huachang) Zi [2017] No.001) (hereinafter referred to as “Cooperation
Agreement I”) in 2017. Party A and Party B agree to conduct business cooperation on the financing business of individual purchase of vehicles and/or vehicle-attached products (services) in accordance with the provisions of the Cooperation
Agreement I; 

  

	2.	 Party A and Party B signed the Auto Financing Business Cooperation Agreement (Agreement No.: Wei Yin (BMW-Huachang) He Zi [2018] No.001)(hereinafter referred to as “Cooperation Agreement II”) in 2018. Party A and Party B agree to conduct business cooperation on the financing business of individual
purchase of vehicles and/or vehicle-attached products (services) in accordance with the provisions of the Cooperation Agreement II. The cooperation period of the Cooperation Agreement II will end on January 22, 2019; 

 

	3.	 Party A and Party B signed the Auto Financing Business Cooperation Agreement (Agreement No.: Wei Yin (BMW-Huachang) He Zi [2019] No.001)(hereinafter referred to as “Cooperation Agreement III”) in 2019. Party A and Party B agree to conduct business cooperation on the financing business of individual
purchase of vehicles and/or vehicle-attached products (services) in accordance with the provisions of the Cooperation Agreement III; 

	4.	 According to the provisions of the Cooperation Agreement I, the Cooperation Agreement II and the Cooperation
Agreement III, Party A will provide loans to the Customers recommended by Party B who are eligible for loans upon approval by Party A, and sign a Vehicle Finance Loan Contract with each of such Customers (the specific name shall be subject to the
actual contract name signed by the Customer, hereinafter referred to as the “Master Contract”); 

  

	5.	 The Cooperation Agreement I, the Cooperation Agreement II and the Cooperation Agreement III are hereinafter
referred to collectively as “Master Agreements”, including the supplementary agreements, annexes and guarantee contracts under the Master Agreements. 

NOW, THEREFORE, Party A and Party B, through friendly negotiation, further clarify the Master Agreements as follows and intending to be mutually bound, enter
into the following supplementary agreement. 
  

	I.	 Supplementary Provisions on Products 

 

	 	1.	 The business data that Party A and Party B cooperate under the Master Agreements will be stored in the host
systems of Party A and Party B. The loan information about the Customers shall be subject to the contents stored in Party A’s system. Unless there are major errors, Party B acknowledges that the data stored in Party A’s system will be used
as the basis for claiming the liabilities for default and guarantee under the Master Agreements. 

  

	 	2.	 Party B shall guide the Customers to repay money to Party A’s repayment account. If Party A’s system
receives Party B’s instruction on customer repayment (including but not limited to customer’s current repayment, early settlement amount and settlement amount), it shall be deemed that Party B has received a corresponding application from
the Customer and received a corresponding payment from the Customer, and Party B shall immediately return such payment to Party A and authorize Party A to deduct the corresponding amount from Party B’s settlement account. Party B shall not do
any act that will infringe the rights of Party A or the Customer (including but not limited to delayed repayment and embezzlement of the funds of the Customer for other uses). Otherwise, Party B shall bear the losses incurred by Party A due to Party
B’s above act (if any), and if Party A suffers greater losses, it shall have the right to stop releasing the loans under the Master Agreements and/or require Party B to settle all/part of the loans of the Customer immediately.

  

	II.	 Supplementary Provisions on Guarantee 

 

	 	1.	 Party B opens a security deposit account with an account number of [REDACTED] with Party A. All the security
deposits in the above security deposit account will be used to provide pledge guarantee for the debts of all Customers under the Master Agreements until the loans are settled, and if there is still a releasable balance after Party A exercises the
priority right of repayment with respect to the security deposits, Party A may release such balance in accordance with the provisions of the Master Agreements. If any Customer violates the provisions of the Master Contract signed by the Customer and
Party A, Party A shall have the right to directly deduct the security deposits in the security deposit account based on the total amount (including but not limited to the remaining loan principal and interest, penalty interest, liquidated damages,
expenses for realizing creditor’s rights, etc.) payable by the Customer due to the default, so as to perform the pledge guarantee obligation of the security deposits. 

	 	2.	 All the security deposits in the security deposit account opened by Party B with Party A shall be used to
provide pledge guarantee for the compensation obligations of Party B and other guarantors under the Master Agreements in the case of overdue repayment by the Customers and failure to complete mortgage registration and to provide pledge guarantee for
other compensation obligations under the Master Agreements. In the event that Party B and/or other guarantors fail to perform their compensation obligations on time and in full in accordance with the terms agreed in the Master Agreements, Party A
shall have the right to deduct directly from the security deposit account the compensation amount payable by Party B to Party A under the compensation obligations of Party B or other guarantors, so as to perform the pledge guarantee obligation of
the security deposits. 

  

	 	3.	 If Party B fails to perform any form of guarantee responsibility and/or the guarantee responsibility of any
Customer under the Master Agreements and/or perform the repurchase responsibility for mortgage within the stipulated time limit, or violates the provision of Paragraph 2 of Article 1 of this Supplementary Agreement, Party A shall have the right not
to release or return the balance in Party B’s security deposit account (including the security deposit accounts with the account numbers of [REDACTED] and [REDACTED] stipulated in the Master Agreements) until the default is eliminated and/or
the loans of all the Customers under the Master Agreements are settled. 

  

	 	4.	 If a Customer commits an Event of Default under the Main Contract, Party A shall have the right to directly
claim the guarantee responsibility against Party B for the Customer’s current repayment or all the remaining balance, without first claiming recourse, accelerating maturity or bringing a lawsuit against the Borrower. 

 

	 	5.	 Party B accepts the claim amount issued by Party A as accurate data, without Party A issuing any certificates
and other documents, except for major errors. 

  

	 	6.	 After Party B has performed its guarantee responsibility to Party A and settled all the debts owed to Party A
by the Customer, it shall be deemed that Party A have transferred the customer loan to Party B. The above transfer shall take effect between Party A and Party B, regardless of whether a notice of transfer of creditor’s rights is sent to the
Customer. If the Customer subsequently repay the debts to Party A, Party A shall return the amount repaid by the Customer to Party B in a timely manner. 

	III.	 Vehicle Mortgage 

  

	 	1.	 For the financing vehicles under the Master Agreements, Party A or the cooperative institution designated by
Party A will handle vehicle mortgage registration with Party A and/or a third party designated by Party A as the mortgagee, and Party B shall unconditionally provide assistance therefor. 

 

	 	2.	 If Party A entrusts Party B to exercise the vehicle mortgage right, the money obtained from discount transfer,
auction, sale, etc., must be used to repay in priority the loan principal, interest, penalty interest and other related expenses payable by the Customer to Party A, and Party B shall not defend Party A’s priority claim for any reason.

  

	 	3.	 With the consent of Party A, Party B may handle the vehicle mortgage registrations in some areas according to
the following provisions: 

  

	 	(1)	 The Customer signs the Financing Lease Contract with Party B and handles the mortgage registration under the
Financing Lease Contract with Party B as the mortgagee. 

  

	 	(2)	 After Party A releases a loan to the Customer to repay the financing lease funds under the Financing Lease
Contract, the Customer will obtain the ownership of the vehicle under the Financing Lease Contract and mortgage the vehicle to Party A through the Master Contract signed with Party A as a guarantee for the debts under the Master Contract.

  

	 	1	 Party A shall have the right not to register the mortgage of such vehicle for the time being, and shall have
the right to require a cancellation of the registration with Party B as the mortgagee at any time. 

  

	 	2	 Party A shall have the right to handle vehicle mortgage registration with Party A and/or a third party
designated by Party A as the mortgagee, and Party B shall unconditionally provide assistance therefor. 

  

	 	(3)	 During the duration of the loan, without Party A’s written consent or requirements, Party B and the
Customer shall not cancel the mortgage registration with Party B as the mortgagee on the collateral, and shall not transfer, sell off, auction or set up a new mortgage guarantee on the vehicle, which may affect Party A’s mortgage right.

  

	 	(4)	 During the duration of the loan, Party B shall be responsible for keeping the original motor vehicle
registration certificates. 

	 	4.	 Party B agrees to the following provisions for the cooperative business under the Master Agreements with Party
B as the registered mortgagee: 

  

	 	(1)	 Party B shall clearly understand the relevant regulations and handling practices of the vehicle management
authority regarding vehicle mortgage registration. If required by Party A, Party B shall submit the following materials to Party A within a reasonable period of time (no later than 30 days after Party A requires) after Party A requires:

  

	 	1	 the original vehicle registration certificate; 

 

	 	2	 the complete set of materials required for the cancellation of mortgage registration (including but not limited
to the settlement certificate, the photocopy of Party B’s business license stamped with its common seal, the power of attorney for mortgage cancellation, the certificate of mortgage cancellation, and other materials required by the vehicle
registration authority); 

  

	 	3	 the power of attorney for vehicle traffic accident claim issued to the insurance company if the claim
settlement fund exceeds RMB 5,000; 

  

	 	4	 Party B’s mortgage handling personnel registered by the vehicle management authorities in various places
shall be replaced with Party A’s designated personnel and/or Party A’s designated personnel shall be added as mortgage handling personnel; 

  

	 	5	 to provide Party A with the GPS management account number and the account number password of the cooperative
business and/or provide Party A with the GPS information of financing vehicles covering the whole loan period; 

 The
above materials/information shall meet all the operation requirements for the vehicle management authorities to cancel the mortgage registrations. Party B shall authorize Party A to fill in the data elements according to the specific contents of the
cooperative business. The materials shall meet the handling requirements for the duration of all cooperative businesses. If the materials are updated (such as the expiation of a certificate or license, etc.), Party B shall provide the updated
materials to Party A. 
  

	 	(2)	 Other work for which Party A deems Party B shall provide cooperation. 

 

	 	(3)	 If Party B violates the provisions of this Article 3, Party B shall compensate Party A for the losses suffered
by Party A arising therefrom (including but not limited to the costs of handling customer complaints and the expenses incurred in handling mortgage cancellation registrations). 

 

	IV.	 This Supplementary Agreement shall apply to all the cooperative businesses under the Master Agreements.

	V.	 The Supplementary Agreement shall constitute an integral part of and have the same legal force as the Master
Agreements. In case of any conflict between the Master Agreements and this Supplementary Agreement, this Supplementary Agreement shall prevail. For matters not covered in this Supplementary Agreement, the Master Agreements shall apply.

  

	VI.	 This Supplementary Agreement shall take effect on the date when the legal representatives or entrusted agents
of Party A and Party B affix their signatures (or seals) and the common seals/special seals for contract of Party A and Party B hereon. The term of this Supplementary Agreement is the same as that of the Master Agreements. 

 

	VII.	 This Supplementary Agreement is made in four counterparts with the same legal force, with Party A and Party B
holding two counterparts respectively. 

 (The remainder of this page is intentionally left blank) 

Party A: Shenzhen Qianhai WeBank Co., Ltd. 
 [Seal]

 Legal Representative or Authorized Agent (Signature or Seal): Gu Min 

[Seal] 
 Signing Date: April 10, 2019 

Party B: Huachang Finance Leasing (China) Co., Ltd. 

[Seal] 
 Legal Representative or Authorized Agent
(Signature or Seal): Xu Wen 
 [Seal] 
 Signing
Date: April 10, 2019 
  
  

Confirmation Letter 
 To Shenzhen Qianhai
WeBank Co., Ltd.: 
 I, the guarantor, know and understand the Master Agreements signed by Huachang Financing Lease (China) Co., Ltd. and Party A and the
above Supplementary Agreement, and promise to perform the guarantee responsibility according to provisions of the guarantee contract (the specific contract number and name shall be subject to the actual signing) signed by me and Party A
corresponding to the Master Agreements. 
  

	
	Confirmed by:
	
	Liyun Vehicle Consulting Services (Shanghai) Co., Ltd.
	
	[Seal]
	
	Tiandao Jiran (Beijing) Network Technology Co., Ltd.
	
	[Seal]
	
	Date: April 10, 2019EX-10.19

 Exhibit 10.19 

Certain information in this document identified by brackets has been omitted because it is both not material and would be competitively harmful if publicly
disclosed. 
 Agreement No.: Wei Yin (BMW-Huachang) He Bu Zi [2019] No.002 

Supplementary Agreement of the Auto Financing Business 

Cooperation Agreement 

 This Supplementary Agreement is made by and between: 

Party A: Shenzhen Qianhai WeBank Co., Ltd. 
 Domicile (Address):
Block A, Building 7, Shenzhen Bay Science and Technology Ecological Park, 1819 Shahe West Road, Nanshan District, Shenzhen City, PRC. 
 Legal
Representative (Responsible Person): Gu Min 
 Contact Information: [REDACTED] 

and 
 Party B: Huachang Finance Leasing (China) Co., Ltd. 

Domicile (Address): No. 208, South Side of Floor 2, Phase I, Airport Second-hand Vehicle Trading Market, 8 Middle Road, Automobile Park, Tianjin Pilot
Free Trade Zone (Airport Economic Area). 
 Legal Representative (Responsible Person): Xu Wen 

Contact Information: [REDACTED]@mljr.com 
 WHEREAS: 

 

	1.	 Party A, Party B, Liyun Vehicle Consulting Services (Shanghai) Co., Ltd. and Tiandao Jiran (Beijing) Network
Technology Co., Ltd. signed the the Agreement on Cooperation and Guarantee of Auto Financing Business (Agreement No.: Wei Yin (BMW-Huachang) Zi [2017] No.001) (hereinafter referred to as “Cooperation Agreement I”) in 2017. Party A and
Party B agree to conduct business cooperation on the financing business of individual purchase of vehicles and/or vehicle-attached products (services) in accordance with the provisions of the Cooperation Agreement I; 

 

	2.	 Party A and Party B signed the Auto Financing Business Cooperation Agreement (Agreement No.: Wei Yin
(BMW-Huachang) He Zi [2018] No.001) (hereinafter referred to as “Cooperation Agreement II”) in 2018. Party A and Party B agree to conduct business cooperation on the financing business of individual purchase of vehicles and/or
vehicle-attached products (services) in accordance with the provisions of the Cooperation Agreement II. 

  

	3.	 Party A and Party B signed the Auto Financing Business Cooperation Agreement (Agreement No.: Wei Yin
(BMW-Huachang) He Zi [2019] No.001) in 2019, and signed the Supplementary Agreement of the Auto Financing Business Cooperation Agreement (Agreement No.: Wei Yin (BMW-Huachang) He Bu Zi [2019] No.001) (hereinafter referred to as “Cooperation
Agreement III”) in 2019. Party A and Party B agree to conduct business cooperation on the financing business of individual purchase of vehicles and/or vehicle-attached products (services) in accordance with the provisions of the Cooperation
Agreement II; 

	4.	 According to the provisions of the Cooperation Agreement I, the Cooperation Agreement II and the Cooperation
Agreement III, Party A will provide loans to the Customers recommended by Party B who are eligible for loans upon approval by Party A, and sign a Vehicle Finance Loan Contract with each of such Customers (the specific name shall be subject to the
actual contract name signed by the Customer, hereinafter referred to as the “Master Contract”); 

  

	5.	 The Cooperation Agreement I, the Cooperation Agreement II and the Cooperation Agreement III are hereinafter
referred to collectively as “Master Agreements”, including the supplementary agreements, annexes and guarantee contracts under the Master Agreements. 

NOW, THEREFORE, Party A and Party B, through friendly negotiation, further clarify the Master Agreements as follows and intending to be mutually bound, enter
into the following supplementary agreement. 
  

	I.	 Supplementary Provisions on Products 

 

	 	1.	 Party B shall collects the materials of the Customers and examine whether to provide financing lease funds to
the Customers. At the same time, Party B shall recommend the Customers approved by it upon examination to apply to Party A for loans. After the Customers are approved by Party A upon examination, Party B shall first issue financing lease funds to
the Customers, and Party A shall then release loans to the Customers to repay the Customer’s financing lease funds to Party B. 

  

	 	2.	 Party B shall guide the Customers to repay money to Party A’s repayment account. If Party A’s system
receives Party B’s instruction on customer repayment (including but not limited to customer’s current repayment, early settlement amount and settlement amount), it shall be deemed that Party B has received a corresponding application from
the Customer and received a corresponding payment from the Customer, and Party B shall immediately return such payment to Party A and authorize Party A to deduct the corresponding amount from Party B’s settlement account. Party B shall not do
any act that will infringe the rights of Party A or the Customer (including but not limited to delayed repayment and embezzlement of the funds of the Customer for other uses). Otherwise, Party B shall bear the losses incurred by Party A due to Party
B’s above act (if any), and if Party A suffers greater losses, it shall have the right to stop releasing the loans under the Master Agreements and/or require Party B to immediately settle all/part of the loans of the Customers who fail to repay
in accordance with the repayment path specified in this Paragraph 1. 

	 	From July 31, 2019, Party B shall direct the repayments of all the Customers to Party A’s repayment account, Party A will no longer receive Party B’s instructions on customer repayments, and Party B shall
not carry out any acts of directing the Customers to repay to Party B’s or non-Party A’s accounts or any acts of infringing the rights of Party A or the Customers. Otherwise, Party B shall bear Party
A’s losses (if any) arising from the above acts, and at the same time, Party A shall have the right to require Party B to immediately settle all/part of the loans of the Customers who fail to repay according to the repayment path specified in
this Paragraph 1. 

  

	II.	 Supplementary Provisions on Guarantee 

 

	 	1.	 Party B agrees that if Party B shall perform the guarantee and compensation responsibilities according to the
guarantee provisions of the Master Agreements, the performance of compensation responsibility for any Customer shall not be conditional on whether Party A announces the accelerated expiration of such Customer under the corresponding Master Contract,
and Party A does not need to make any claim or bring a lawsuit against such Customer in advance, or dispose of the mortgaged vehicle or other collateral of such Customer in any form, or take any action or claim any right against any third party that
bears the guarantee or compensation responsibilities under the Master Contract or the Master Agreements. At the same time, the validity of any Master Contract or any unreasonable defense raised by the Customer against Party A according to the Master
Contract shall not affect Party B’s compensation liability to Party A under the Master Agreements. 

  

	 	2.	 Party B hereby confirms and agrees that the compensation amount issued by Party A shall be the accurate data
for any Customer’s compensation amount, except for obvious or significant errors. 

  

	 	3.	 Once Party B performs its obligation to pay the compensation amount, Party A’s creditor’s rights to
the Customer (hereinafter referred to as “Active Compensation Creditor’s rights”) will be transferred to Party B. Party A shall have the right to (1) whether to send a notice of transfer of creditor’s rights to the
Customer, the transfer shall take effect between Party A and Party B; (2) send a notice of transfer of creditor’s rights directly to the Customer under the Active Compensation Creditor’s rights by text message, or issue a power of
attorney for the notice of transfer of creditor’s rights to Party B for a single Active Compensation Creditor’s rights, authorizing Party B to notify the Customer on behalf of Party A and to directly claim compensation against the
Customer; or (3) Party A shall also have the right to directly claim compensation against the Customer without issuing a notice of transfer of creditor’s rights. After receiving the repayment from the corresponding Customer under the
Active Compensation Creditor’s rights, Party A shall timely transfer to Party B the balance after deducting the cost and expense of Party A’s collection (only the provisions under this Clause 7 shall apply). 

	 	4.	 Party B opens a security deposit account with an account number of [REDACTED] with Party A, and shall deposit
the security deposit in the security deposit account according to the provisions of the Master Agreements. Upon entering the security deposit account, the money shall be deemed to be specified and have been delivered to Party A. The pledge shall
come into effect and provide guarantee for all debts under the Master Contract of any and all Customers under the Master Agreements, including but not limited to loan principal, interest, penalty interest and other related expenses. All security
deposits in the security deposit account will provide pledge guarantees for all Customers’ debts and shall not be affected by the amount of security deposits accrued by Party B for any Customer. If any Customer violates the provisions of the
Master Contract signed with Party A, Party A shall have the right to directly deduct the security deposits in the security deposit account based on the total amount payable by the Customer due to the default, so as to perform the pledge guarantee
obligation of the security deposit assumed by Party B under the Master Agreement. 

  

	 	5.	 The security deposits in the security deposit account shall also provide pledge guarantee for Party B and other
guarantors (if any) to perform the Master Agreements and/or other compensation agreements and the compensation obligations agreed under the Master Agreements. In the event that Party B and/or other guarantors fail to perform their compensation
obligations on time and in full in accordance with the Master Agreements and/or other compensation agreements and the terms agreed in the Master Agreements, Party A shall have the right to deduct directly from Party B’s security deposit account
the compensation amount payable by Party B to Party A under the compensation obligations of Party B or other guarantors, so as to perform the pledge guarantee obligation of the security deposit. 

 

	 	6.	 If Party B fails to perform the guarantee responsibility of any party and /or any Customer under the Master
Agreements and/or perform the repurchase responsibility for mortgage within the stipulated time limit, or violates the provision of Paragraph 2 of Article 1 of this Agreement, Party A shall have the right not to release or return the balance in the
security deposit account of Party B until the default is eliminated and/or the loans of all the Customers under the Master Agreements are settled. 

	 	7.	 Provisions on Special Use of Security Deposit: the parties hereto agree that (1) once Party B fails to
perform its compensation responsibility of any Customer under the Master Agreements in full and on time for 10 consecutive working days, or (2) Party A uses the security deposits in the security deposit account to repay debts, but Party B fails
to make up the security deposits in full within 10 working days until the security deposits return to the level before no repayment is made (if a Borrower settles its debts or Party B makes repurchase during the
making-up period, the corresponding security deposit does not need to be made up), or (3) Party B’s assets are insufficient to pay off all debts and Party B obviously lacks the ability to pay off, or
(4) Party B violates the provision of Paragraph 2 of Article 1 of this Agreement, Party A shall have the right to directly deduct all the security deposits from the security deposit account. From the date of deduction (hereinafter referred to
as “Date of Payment of the First Creditor’s Right Purchase Price”), the deducted security deposit will be directly taken as the advance payment of the creditor’s right purchase (hereinafter referred to as “First
Creditor’s right Purchase Price”) paid by Party B to Party A, and the amount equivalent to the part of the unpaid compensation amount (if any) payable by Party B under the Master Agreements will be deemed as the purchase price of the
corresponding compensation creditor’s right paid by Party B to Party A. All Creditor’s Rights Purchase Prices (including the First Creditor’s right Purchase Price) shall be handled and used according to the following provisions:

  

	 	(1)	 Purchase target of the First Creditor’s right Purchase Price: For the First Creditor’s right Purchase
Price collected by Party A, before the Liquidation Date (inclusive), it will be used for Party B to purchase from Party A (a) any Customer’s overdue loan to Party A under the Master Contract (hereinafter referred to as “Overdue
Creditor’s rights”) after the payment date of the First Creditor’s right Purchase Price; and (b) the compensation creditor’s rights meeting the compensation conditions agreed in the Master Agreements (hereinafter
referred to as “Passive Compensation Creditor’s rights”; the Passive Compensation Creditor’s rights and the Overdue Creditor’s rights are collectively referred to as “Transferred Creditor’s
rights”) on or after the payment date of the First Creditor’s right Purchase Price. 

  

	 	(2)	 Newly-added creditor’s rights purchase price and purchase target: Before the Liquidation Date (inclusive),
the returned money under the following paragraphs (a) and (b) shall constitute the newly-added creditor’s rights purchase price of Party B: (a) the returned money of the Customer (or third-party guarantors) under any transfer of
creditor’s rights and under corresponding Master Contract or other guarantee contracts; and (b) the returned money of the corresponding Customer after the payment date of the First Creditor’s right Purchase Price under the Active
Compensation Creditor’s rights. All the newly-added creditor’s rights purchase price shall be used as the purchase prices of the Overdue Creditor’s rights and/or the Transferred Creditor’s rights after the payment date of the
First Creditor’s right Purchase Price, and shall continue to be held and used by Party A in accordance with the provisions of this paragraph. The First Creditor’s right Purchase Price and the newly-added creditor’s rights purchase
price are collectively referred to as “Creditor’s rights Purchase Price”. For the avoidance of doubt, when calculating newly-added creditor’s rights purchase price, all costs and expenses incurred by Party A in recovering
or collecting the Transferred Creditor’s rights from the Customer (or the third-party guarantor) under the Transferred Creditor’s rights shall be deducted. 

	 	(3)	 Liquidation Date: The parties hereto agree that on the 30th working day three years after the payment date of
the First Creditor’s right Purchase Price (hereinafter referred to as “Liquidation Date”), the parties hereto will carry out overall liquidation in accordance with this Paragraph (9). Prior to the Liquidation Date, Party A
shall be only obliged to provide monthly instructions to Party B according to the conditions agreed in this Paragraph (8). At the same time, before the Liquidation Date, unless otherwise agreed by Party A in writing, Party B has no right to claim
rights against Party A or the corresponding Customer or guarantors with respect to the Creditor’s rights Purchase Price and the Transferred Creditor’s rights (whether in part or in whole). 

 

	 	(4)	 Use principle and risk of the Creditor’s rights Purchase Price: Party B understands and agrees that the
Creditor’s rights Purchase Price under this Paragraph will be used by Party A in batches before the Liquidation Date as the consideration for Party B to purchase the corresponding Transferred Creditor’s rights from Party A in batches and
installments. At the same time, Party B confirms that before the Liquidation Date, Party A shall have the full right to claim or waiver some rights (including but not limited to extending the loan term, reducing interest or waiving the rights to
such Customers or third-party guarantors and collateral under any Master Contract or other agreements) against the Customers under the Transferred Creditor’s rights by any means approved by Party A. Party B shall fully bear the repayment risk
of the corresponding Customers under the Transferred Creditor’s rights, and shall not claim any loss or compensation against Party A on the grounds of any act or omission conducted by Party A with respect to the Transferred Creditor’s
rights before the Liquidation Date. 

  

	 	(5)	 Transfer consideration for each Transferred Creditor’s rights: For any Transferred Creditor’s right,
the transfer consideration paid by Party B for the Transferred Creditor’s right shall be all the principal, interest, penalty interest, other expenses (if any), etc. of the Customer under such Transferred Creditor’s right.

  

	 	(6)	 Party B hereby agrees that for the overdue loan of any customer under the corresponding Master Contract,
whether the overdue loan belongs to the overdue loan stipulated in this Paragraph and thus needs to be transferred to Party B shall be decided by Party A at its own discretion. At the same time, for any overdue loan, Party B understands and agrees
that Party A can use the Creditor’s rights Purchase Price in installments and batches according to the specific conditions of such overdue loan, that is, for any overdue loan, Party A shall have the right to use the Creditor’s rights
Purchase Price paid by Party B in batches according to the normal repayment cycle of the overdue loan, transfer the overdue part of the overdue loan that is due and overdue in installments, directly announce the full accelerated expiration of the
overdue loan, and transfer the fully- accelerated overdue loan to Party B as a whole. 

	 	(7)	 Party B agrees that without Party A’s prior consent, Party B has no right to propose to Party A the use of
any Creditor’s rights Purchase Price under this Paragraph to offset or write down its payment obligation of the compensation amount under Article 1 of the Master Agreement. 

 

	 	(8)	 Notice of the monthly use of the Creditor’s rights Purchase Price: Party A agrees to issue to Party B a
statement on the use of the Creditor’s rights Purchase Price of the previous month within 10 working days after the beginning of each month after receiving the First Creditor’s right Purchase Price, including (a) the balance of the
Creditor’s rights Purchase Price at the beginning of the previous month; (b) the Creditor’s rights Purchase Price that has been used in the previous month; (c) the details of the creditor’s rights of Transferred
Creditor’s rights corresponding to the Creditor’s rights Purchase Price used in the previous month; (d) the details of the repayments of the Customer or third-party guarantor under the Transferred Creditor’s rights; and
(e) the amount of the newly-added creditor’s rights purchase price. 

  

	 	(9)	 On the Liquidation Date, Party A shall carry out overall liquidation against Party B according to the following
mechanism: 

  

	 	(a)	 on the Liquidation Date, Party A shall, according to the reconciliation mechanism under this Paragraph (8),
calculate the balance of unused Creditor’s rights Purchase Price (hereinafter referred to as “Fund Balance”) and the details of Transferred Creditor’s rights for which the Customer (or guarantor) under the Transferred
Creditor’s rights has not paid in full as of the Liquidation Date (hereinafter referred to as “Creditor’s rights Balance); 

  

	 	(b)	 subject to the Fund Balance and the Creditor’s rights Balance approved on the Liquidation Date, if there
is the Fund Balance, Party A shall return all the Fund Balance to Party B within 5 working days after the Liquidation Date; if there is the Creditor’s rights Balance, Party A will send a notice of transfer of creditor’s rights to the
Customer (or guarantor) under the Creditor’s rights Balance within 30 working days, provided that Party B shall bear the cost and expenses paid by Party A in issuing the aforesaid notice of transfer of creditor’s rights.

	III.	 Party B agrees to the following provisions for the cooperative business under the Master Agreements with Party
A as the registered mortgagee: 

  

	 	1.	 When requested by Party A, Party B shall submit the following materials to Party A within 30 natural days upon
Party A’s request: 

  

	 	1	 the original vehicle registration certificate; 

 

	 	2	 to provide Party A with the GPS management account number and the account number password of the cooperative
business and/or provide Party A with the GPS information of financing vehicles covering the whole period; 

  

	 	2.	 Other work for which Party A deems Party B shall provide cooperation. 

 

	IV.	 Party A and Party B agree as follows on the settlement certificates of Party B submitted by Party B to Party A
under the cooperative business: 

  

	 	1.	 Party A agrees that if Party B can prove that Party A has cancelled the mortgage registration of any financing
vehicle by using Party B’s settlement certificate provided by Party B to Party A prior to the payment date of the First Creditor’s right Purchase Price, Party B shall not assume the liabilities for guarantee, compensation and repurchase
with respect to the customer loan corresponding to the financing vehicle. 

  

	 	2.	 Party A shall return to Party B all the settlement documents provided by Party B within 10 working days after
all the Customers recommended by Party B to Party A have settled their loans or Party B has repurchased all such loans. 

  

	V.	 Miscellaneous 

  

	 	1.	 Party B knows and agrees that the account number of the security deposit account stipulated in Articles 3.2 and
5. 2.1 of the Cooperation Agreement I and the account number stipulated in Supplementary Agreement II of the Cooperation Agreement I regarding the deposit account 1 shall be [REDACTED] from beginning to end; the account number of the security
deposit account 1 under the Cooperation Agreement II shall be [REDACTED] from beginning to end; the account number of the settlement account 2 under the Cooperation Agreement II and the Cooperation Agreement III shall be [REDACTED] from beginning to
end. If the provisions of the Master Agreement on account numbers are inconsistent with the provisions of this Article V on account numbers, the provisions of this Article V shall prevail. 

 

	 	2.	 Party B knows and agrees that Articles 8.1 and 8. 2 of the Cooperation Agreement III (Auto Financing Business
Cooperation Agreement) are changed as follows: 

 8.1 Party A agrees to pay the service fee 1 to Party B with respect to
the customer recommendation service provided by Party B to Party A for the cooperative business hereunder. 

 Party B knows and agrees that the service fee 1 for a single loan shall be paid to the
settlement account 2 by Party A according to A% of the released amount of such loan in the month immediately next the month in which such loan is released, and A shall be implemented according to the following standards based on different products:

  

																																									
	 A
	  	11.99%	 	 	12.99%	 	 	13.41%	 	 	14.34%	 	 	15.48%	 	 	16.41%	 	 	10.00%	 	 	10.50%	 	 	10.99%	 	 	13.99%	 
	 24 Installments
	  	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 
	 30 Installments
	  	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 
	 36 Installments
	  	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 

 In case of early settlement of a single loan, Party A shall have the right to make deduction from the service
fee 1 to be paid to Party B. The deduction amount shall be the amount of the service fee 1 corresponding to the number of the early settlement installments of such early settlement loan, i.e., deduction amount = (total number of installments-the number of the early settlement installments)/total number of the installments of the loan * the amount of the service fee 1. If the service fee 1 to be paid to Party B is not sufficient for
deduction, Party A shall have the right to deduct from any account opened by Party B with Party A the amount which shall be deducted or require Party B to make payment. 

8.2 Party A agrees to pay the service fee 2 to Party B with respect to the vehicle mortgage, mortgage release and other services and loan
management services provided by Party B to Party A for the cooperative business hereunder. 
 Party B has known and agreed that the service
fee 2 for a single loan shall be determined according to B% of the released amount of such loan and shall be paid to the settlement account 2 by Party A in the month immediately next the month in which such loan is released, and B shall be
implemented according to the following standards based on different products: 
  

																																									
	 B
	  	11.99%	 	 	12.99%	 	 	13.41%	 	 	14.34%	 	 	15.48%	 	 	16.41%	 	 	10.00%	 	 	10.50%	 	 	10.99%	 	 	13.99%	 
	 24 Installments
	  	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 
	 30 Installments
	  	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 
	 36 Installments
	  	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 

 In case of early settlement of a single loan, Party A shall have the right to make
deduction from the service fee 2 to be paid to Party B. The deduction amount shall be the amount of the service fee 2 corresponding to the number of the early settlement installments of such early settlement loan, i.e., deduction amount = (total
number of installments-the number of the early settlement installments)/total number of the installments of the loan * the amount of the service fee 2. If the service fee 2 to be paid to Party B is not
sufficient for deduction, Party A shall have the right to deduct from any account opened by Party B with Party A the amount which shall be deducted or require Party B to make payment. 

 

	 	3.	 Party B knows and agrees that Article 9. 2 of the Cooperation Agreement III (Auto Financing Business
Cooperation Agreement) is changed as follows: 

 9.2 Party B opens the security deposit account 2 with Party A to deposit
and release the security deposit according to the following provisions: 
 Party B shall deposit a security deposit amounting to C% of the
released amount of each loan into the security deposit account 2 before the 5th of the month following the month in which the loan is released, and C shall be implemented according to the following standards based on different products: 

 

																																									
	 C
	  	11.99%	 	 	12.99%	 	 	13.41%	 	 	14.34%	 	 	15.48%	 	 	16.41%	 	 	10.00%	 	 	10.50%	 	 	10.99%	 	 	13.99%	 
	 24 Installments
	  	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 
	 30 Installments
	  	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 
	 36 Installments
	  	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 

 During the duration of the loan, Party A will release the security deposit to Party B’s settlement
account 2 in the month following the month in which the Customer repays the loan. The released amount shall be the paid-in interest * [D%/interest rate] per month of the loan. D shall be implemented according
to the following standards based on different products: 
  

																																									
	 D
	  	11.99%	 	 	12.99%	 	 	13.41%	 	 	14.34%	 	 	15.48%	 	 	16.41%	 	 	10.00%	 	 	10.50%	 	 	10.99%	 	 	13.99%	 
	 24 Installments
	  	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 
	 30 Installments
	  	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 
	 36 Installments
	  	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 	 	 	[REDACTED	] 

 When the loan is settled (including early settlement), Party A will release the remaining
security deposit corresponding to the loan in the security deposit account 2 to Party B’s settlement account 2 in the month following the month in which the loan is settled. 

Upon entering the security deposit account, the money shall be deemed to be specified and have been delivered to Party A. The pledge shall
come into effect and provide guarantee for all debts of the Customer under this Agreement, including but not limited to loan principal, interest, penalty interest and other related expenses. 

 

	VI.	 This Supplementary Agreement shall apply to all the cooperative businesses under the Master Agreements.

  

	VII.	 The Supplementary Agreement shall constitute an integral part of and have the same legal force as the Master
Agreements. In case of any conflict between the Master Agreements and this Supplementary Agreement, this Supplementary Agreement shall prevail. For matters not covered in this Supplementary Agreement, the Master Agreements shall apply.

  

	VIII.	 This Supplementary Agreement shall take effect on the date when the legal representatives or entrusted agents
of Party A and Party B affix their signatures (or seals) and the common seals/special seals for contract of Party A and Party B hereon. The term of this Supplementary Agreement is the same as that of the Master Agreements. 

 

	IX.	 This Supplementary Agreement is made in four counterparts with the same legal force, with Party A and Party B
holding two counterparts respectively. 

 (The remainder of this page is intentionally left blank) 

Party A: Shenzhen Qianhai WeBank Co., Ltd. 
 [Seal]

 Legal Representative or Authorized Agent (Signature or Seal): Gu Min 

[Seal] 
 Signing Date: May 30, 2019 

 Party B: Huachang Finance Leasing (China) Co., Ltd. 

[Seal] 
 Legal Representative or Authorized Agent
(Signature or Seal): Xu Wen 
 [Seal] 
 Signing
Date: 
  
  

Confirmation Letter 
 To Shenzhen Qianhai
WeBank Co., Ltd.: 
 I, the guarantor, know and understand the Master Agreements signed by Huachang Financing Lease (China) Co., Ltd. and Party A and the
above Supplementary Agreement, and promises to perform the guarantee responsibility according to provisions of the guarantee contract (the specific contract number and name shall be subject to the actual signing) signed by me and Party A
corresponding to the Master Agreements. 
  

	
	Confirmed by:
	
	Liyun Vehicle Consulting Services (Shanghai) Co., Ltd.
	
	[Seal]
	
	Tiandao Jiran (Beijing) Network Technology Co., Ltd.
	
	[Seal]
	
	Date:

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00301-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00301-of-00352.parquet"}]]