Document:

Exhibit 10.14

 

LOAN
AGREEMENT 

 

 

 

This
Loan Agreement ("Agreement") is made and effective the 3rd of April, 2015

 

	BETWEEN:	Man
    Loong Bullion Company Limited, (“Lender”) with its registered address located at 8/F, Tower 5, China Hong
    Kong City, Tsim Sha Tsui, Hong Kong

 

	AND:	GLOBAL
    LONG INC LIMITED ("Borrower"), with its registered address located at Rm C, 2/F., Capital Trade Centre, 62 Tsun
    Yip Street, Kwun Tong Hong Kong SAR.

 

WHEREAS: 

 

	A.	The
    Borrower has requested the Lender to make available a loan facility (“Loan”) of HKD$6,000,000 and the Lender agreed
    to grant such amount to the Borrower.

 

	1.	Drawdowns

The
Borrower may draw the Loan in one or more drawdowns during the period of 12 months from the date of this Agreement by giving the
Lender 5 business days’ prior notice, specifying the drawdown date, amount and disbursement instructions for the funds to
be drawn.

 

	2.	Promise
    to Pay

Within
5 years from the date of receipt of funds on each drawdown, Borrower promises to pay to the Lender the sum of each drawdown together
with unpaid interest and other charges. On the 5th anniversary of the date of this Agreement all unpaid principal and
interest matures and are due and payable to the Lender.

 

	3.	Interest

The
Borrower agrees to pay to the Lender on the first day of each quarter, interest at 6% per annum on the balance of the Loan plus
accrued and unpaid interest and other charges outstanding during the previous quarter. Payment of interest will be in Hong Kong
Dollars and will be paid to the Lender in accordance with disbursement instructions provided by the Lender no later than 5 business
days prior to the due date of each payment of interest.

 

	4.	SECURITY

The
Borrower grants Lender the first right of claim to its RMB$5,000,000 fixed deposit held in Borrower’s bank account (account
information below). Prior to receiving any drawdown on the Loan, Borrower will take all actions necessary to make Lender an authorized
signatory on the Borrower’s bank account with transaction limits so as to aloe Lender to transfer the full balance of the
account. So long as there is an outstanding loan and unpaid interest balance under this Agreement, Borrower may not withdraw any
funds from that account without the express written permission of the Lender. Any funds removed from the account before this Loan
is repaid in full will first be paid to the Lender until all principal and interest on the Loan are repaid. Within 5 business
days following the complete repayment of all outstanding loan and interest balances, Lender will take all actions necessary to
remove Lender from Borrower’s bank account as an authorized signatory.

 

Account
Holder:Shanhun (wholely owned subsidiary of GLOBAL LONG INC LIMITED)

Beneficiary
Bank: China Construstion Bank

Bank
Address: GuangDong Branch

SWIFT:
PCBCCNBJGDX

Account
Number:44001531405053008458

 

    	 

    	 

    

 

	5.	Additional
    BORROWINGS

Until
all principal and interest are repaid on the Loan, Borrower agrees not enter into any other loans with any party without the written
permission of the Lender. Borrower agrees that all other such loans entered into with Lender’s permission will be subordinate
with respect to payment of principal, interest and other charges due on this Loan.

 

	6.	Remittance
    of Loan proceeds

The
proceeds from this loan will be remitted to the following account:

 

Account
Holder:Ko Wai Ling

Beneficiary
Bank: HSBC Hong Kong

Bank
Address: 1 Queen’s Road Central, Hong Kong

SWIFT:
HSBCHKHHHKH

Account
Number:548-121755-001

 

	7.	Prepayment

Borrower
has the right, but not the obligation, to repay the whole principal balance of this Loan plus unpaid interest at any time after
the 1st anniversary of the date of this Agreement.

 

	8.	Assignment

Lender
has the right at any time to assign this Agreement to any party on written notice to the Borrower. Borrower may not assign this
Agreement to any party without written permission of the Lender.

 

	9.	Payment
    default interest

After
the 5th anniversary of the date of this Agreement, the Borrower shall pay interest on the unpaid amount of principal plus unpaid
interest from such due date and until the payment of said sum in full at 15% per annum.

 

	10.	Late
    Charge

If
repayment of outstanding principal or interest is not paid within 30 days of any due date, Borrower agrees to pay a late charge
of 2% of the total amount to be paid. For avoidance of doubt, Late Charges apply to payment of principal and interest on maturity
of the Loan and to payment of interest on quarterly interest payment due dates.

 

	11.	Events
    of Default

 

The
following events shall constitute an Event of Default under this Agreement:

 

		(a)	The
                                         Borrower breaches any material covenant of this Agreement in any material respect.

 

	 	(b)	The
    Borrower shall make an assignment for the benefit of creditors, or apply for or consent to the appointment of a receiver or
    trustee for it or for a substantial part of its property or business; or such a receiver or trustee shall otherwise be appointed.

 

    	2

    	 

    

 

	 	(c)	Bankruptcy,
    reorganization, insolvency proceeding, liquidation proceedings or other proceedings or relief under any bankruptcy law or
    any law, or the issuance of any notice in relation to such event, for the relief of debtors shall be instituted by or against
    the Borrower and if so instituted are not dismissed within 45 days of initiation.

 

	 	(d)	A
    final judgment or judgments for the payment of money in excess of HKD$600,000 in the aggregate shall have been rendered by
    a court against Borrower and the same shall not be discharged (or provision shall not made for such discharge), or a stay
    of execution thereof shall not have been procured, within 45 days or such longer period during which the execution of the
    same shall have been stayed, or an appeal taken therefrom and the execution thereof stayed during such appeal.

 

	12.	remedies
    on an event of defaul

On
occurrence of an Event of Default, Lender may demand immediate payment of the entire remaining unpaid balance of this loan, without
giving further notice, and Borrower shall pay interest at 15% per annum on the unpaid amount of principal and unpaid interest
from the date of Default until all unpaid principal and interest due on the Loan is repaid.

 

	13.	Notice

Notices
required to be given to a party to this Agreement shall be in writing and may be delivered personally, sent by registered mail
or by email, in each case addressed to the party at its address set out below or to such other address as a party may from time
to time notify the other party.

 

Lender:

Man
Loong Bullion Company Limited

8/F,
Tower 5, China Hong Kong City

Tsim
Sha Tsui, Hong Kong

Choi
Kee Yuen

852-2155-3999

 

Borrower:

GLOBAL
LONG INC LIMITED

Rm
C, 2/F., Capital Trade Centre, 62 Tsun Yip Street,

Kwun
Tong Hong Kong

Address

Ko
Wai Ling

852-8206-1801

 

	14.	Governing
    Law

This
Agreement shall be governed by and construed in accordance with the laws of Hong Kong and subject to the non-exclusive jurisdiction
of the Hong Kong courts.

 

	15.	Severability

If
any provision of this Agreement is held for any reason to be unenforceable, the remainder of this Agreement shall, nevertheless
remain in full force and effect.

 

	16.	CounterpartS

This
Agreement may be executed in any number of counterparts, each of which is an original and all of which together evidence the same
Agreement.

 

    	3

    	 

    

 

IN
WITNESS WHEREOF this Agreement has been executed on the date first above written.

 

	LENDER

    Man Loong Bullion Company Limited	 	BORROWER

    GLOBAL LONG INC LIMITED
	 	 	 
	 /s/ Choi
    Kee Yuen	 	/s/
    Ko
    Wai Ling 
	Authorized
    Signature	 	Authorized
    Signature
	 	 	 
	Choi
    Kee Yuen, Direct, CEO	 	Ko
    Wai Ling, Director 
	Print
    Name and Title	 	Print
    Name and Title

 

 

4Exhibit 10.15

 

SERVERS AND NETWORK LEASE

 

BETWEEN

 

True Technology Company Limited

 

AND

 

Man Loong Bullion Company Limited

 

 

 

DEDICATED SERVERS HOSTING & NETWORK
LEASE AGREEMENT

 

This Agreement, entered into this 1 day of April,
2015 by and between 31 day of March, 2017

 

Service Fee:  HKD $30,000.00 / MONTHLY 

 

	Customer:	Man Loong
    Bullion Company Limited
	Address:	Floor 8, Tower 5, China Hong Kong City, 33 Canton Road, TST, Kowloon, Hong Kong

	Telephone:	+852 21553999	  Fax:	+852 251553993	  e-mail:	online@manloong.com	 

 

1. AGREEMENT

 

1.1. In consideration of the mutual covenants contained herein,
the parties agree as follows:

 

2. PURPOSE

 

2.1. The purpose of this Agreement is to define
the terms under which True Technology Company Limited will provide Customer with Hosting Services, defined as:

 

a) Physical space within True
Technology Company Limited’s service to house a True Technology Company Limited-owned and supplied computer system and such
other equipment as may be required and identified within this Agreement, hereinafter Customer’s Server,

 

b) Limited physical access
to Customer’s Server and

 

c) A connection of the Customer’s
Server to the Internet using True Technology Company Limited’s public network connections.

 

d) Trading software license for
user to execute trades in gold and silver markets through company trading platform

 

e) Trading software enhancement
or customization based on software development requirements defined by the customer. The customer owns the intellectual property
of the customized version of the trading software. True Technology will not share the customer’s customized software with
any third party without the written approval from the customer.

 

f) Customer will pay the cost
for software enhancement or customization on top of monthly service fee. The hourly rate for software enhancement or customization
is $150 USD per hour. Additional fee will be billed to the customer at the end of each month.

 

    	 

    	 

    

 

A - Servers Hosting and Rental:

	 	-	Rack Rental x 1
	 	-	Server Rental Dell R710 with Intel Xeon E5645 / 24GB RAM / 18TB HDD x 4
	 	-	Server Rental Dell R410 with Intel Xeon E5645 / 24GB RAM / 12TB HDD x 2
	 	-	Firewall Rental Fortinet Fortigate 200B equipped with UTM Services x 2

 

B - Software / Trading platform
Licenses:

	 	-	Servers Operation System Licenses Included
	 	-	Trading Software Licenses Bundle Included unlimited users to access the software in the same server concurrently

 

C - Network Lease Service:

	 	-	Dedicated Internet Port with 30/30MB 16 Fixed IP Address
	 	-	Dedicated Metro Lease Line with 10/10MB 2 Fixed IP Address

 

D - Support Services:

	 	-	Regular maintenance support and helpdesk and software update
	 	-	Software enhancement based on customer’s software enhancement requirements

 

2.2. This Agreement may include additional
exhibits for services such as monitoring, managed services, backup service, managed firewall services and Operating System maintenance.
Such exhibits, once executed, shall become a part of this Agreement and incorporated herein.

 

3. EFFECTIVENESS, TERM AND RENEWAL

 

3.1. This Agreement shall become effective
when signed by a duly authorized officer of True Technology Company Limited. This Customer Agreement shall remain in effect until
the services provided herein are terminated, changed or canceled as allowed by the terms and conditions as contained herein.

 

4. CUSTOMER’S SERVER AND USE RESPONSIBILITIES

 

4.1. Customer’s Server may provide services
to Customer and/or its’ customers, or the general public, for any legal purpose whatsoever, provided that:

 

4.2. Customer’s Server may deliver,
only those network services specifically disclosed and agreed to herein. Customer’s server shall not be used as a mail relay
and Customer shall ensure that such service is shutdown and,

 

4.3. Customer’s Server shall not
exceed the agreed-to Bandwidth limits, or provide services to others which results in use in excess of the agreed to
Bandwidth, regardless of whether such use is in the ordinary course of business or results from any unauthorized hacking or
use of Customer’s Server. Should Customer exceed its allotted Bandwidth, for any reason, Customer shall pay for such
additional Bandwidth, at the rate and terms defined in the current True Technology Company Limited price list, and

 

4.4. Customer shall not utilize its Server
for the delivery of unsolicited email (spamming) or the spreading of viruses and,

 

    	2

    	 

    

 

4.5. Customer is expressly prohibited from,
and shall not use the Server or True Technology Company Limited’s network to, violate the security of any computer (or)
network, crack passwords or security encryption codes, or transfer or serve any illegal material(s).

 

4.6. All services provided by True Technology
Company Limited under this Agreement extend to the Customer only, and do not extend to any other person, corporation or entity,
regardless of their relationship with Customer and under no circumstances will True Technology Company Limited be obliged to support
third parties.

 

4.7. Customer may resell space on the Customer’s
Server as well as its bandwidth to third parties, provided that Customer does NOT:

 

a) allow third party to
access administration or root accounts,

 

b) use such service to provide dial-in
or general Internet TCP/IP Access,

 

c) provide or divulge login names
or passwords, provided to Customer by True Technology Company Limited, to third parties and

 

d) allow any such use which is in
violation of this Agreement.

 

4.8. Customer and all other third parties
accessing or using Customer’s Server shall abide by all of the rules, regulations and policies of True Technology Company
Limited, as well as other networks and computer systems accessed via the Customer’s server, whether operated by True Technology
Company Limited, its suppliers or others. If the Customer is unsure of those policies, it is the Customer’s responsibility
to ascertain said policies. Customer agrees to indemnify and hold True Technology Company Limited harmless from any claims resulting
from the Customer’s use of the service that damages either the Customer or another party or parties.

 

5. CUSTOMER RESPONSIBILITIES FOR EQUIPMENT, APPLICATIONS AND
DATA

 

5.1. The Customer is totally responsible for
the ongoing stability and the operation of the Customer’s application and server. True Technology Company Limited staff
will maintain the server stability on the best effort.

 

5.2. Unless contracted by separate Agreement,
in writing, under no circumstances shall True Technology Company Limited assume responsibility for the loss of information on
the Customer’s Server. The Customer is responsible for secure backup of all data on Customer’s Server, and is responsible
for rebuilding their environment in the event of loss of this information caused by failure of the server, or by any act, by any
party, whether accidental or intentional. The customer has the option of hiring True Technology Company Limited for restoration
of services at an additional fee. The customer is responsible for providing True Technology Company Limited with a reliable 24-hour
contact to notify in the event of failure or downtime for maintenance.

 

5.3. Customer shall provide True Technology
Company Limited with a list, and replacement value, detailing any and all additional equipment and software that is installed,
or to be installed, on Customer’s Server by True Technology Company Limited.

 

5.4. Customer shall fully insure additional
software and hardware installed on Customer’s server against all risk of loss, including without limitation, theft, fire,
water and earthquake damage. Customer is advised to purchase business interruption insurance to protect against lost revenue from
Customer’s server in case of prolonged disruption of services or catastrophe.

 

5.5. True Technology will not license the
customized software that we license to any third parties.

 

    	3

    	 

    

 

6. PAYMENT AND CHARGES

 

6.1. The Customer is responsible for any and
all fixed and accumulative charges for their account as, defined in the current True Technology Company Limited price list.

 

6.2. The account setup fee and first month
(30 days) service are charged immediately upon the execution of this Agreement. Once the Customer’s Server is installed
and operational, the thirty (30) day period begins. Thereafter, hosting fees are billed on a monthly basis. The first such invoice
may include appropriate charges or credits to prorate the service period to the end of the month. Incidental support or additional
fees will be charged as the service is performed.

 

6.3. Invoices for Hosting Services are invoiced
and payable in advance for the term of the Hosting Services. Hosting Services are subject to suspension for any account thirty
(30) or more days past due and become subject to a re-activation fee. True Technology Company Limited may impose a late charge
on invoiced amounts over 30 days outstanding equal to 1.5% per month of the unpaid until the entire balance is paid in full.

 

6.4. True Technology Company Limited agrees
to notify Customer at least ninety (30) days in advance of any price increase which affects any services provided to Customer
under this Agreement.

 

7. LIMITATION OF LIABILITY

 

7.1. True Technology Company Limited exercises
no control whatsoever over the content of the information passing through its network. True Technology Company Limited makes no
warranties of any kind, whether expressed or implied, for the service(s) it is providing. True Technology Company Limited also
disclaims any warranty of merchantability or fitness for a particular purpose. True Technology Company Limited will not be responsible
for any damage you suffer. This includes the loss of data resulting from delays, non-deliveries, miss-deliveries, or service interruptions
caused by its own negligence, omission or your errors or omissions. Use of any information obtained via True Technology Company
Limited's network is at your own risk. True Technology Company Limited specifically denies any responsibility for the accuracy
or quality of information obtained through its services.

 

7.2. True Technology Company Limited's
liability hereunder for any losses or damages suffered by Customer or its customers with respect to the products and services
or any other item under this Customer Agreement, whether direct or indirect, from any cause whatsoever, shall be limited to
the amount paid by Customer to True Technology Company Limited for products and services ordered hereunder for a single
billing period only. True Technology Company Limited shall not be liable for any lost profits or for any claim or demand
against the Customer by any other party based on any expressed, implied or claimed warranties by True Technology Company
Limited not specifically set forth in this Agreement.

 

7.3. IN NO EVENT SHALL TRUE TECHNOLOGY COMPANY
LIMITED BE LIABLE FOR CONSEQUENTIAL DAMAGES EVEN IF TRUE TECHNOLOGY COMPANY LIMITED HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES.

 

7.4. No action, regardless of form, arising
out of this or any other True Technology Company Limited Agreement or the transactions contemplated herein or therein, may be
brought by Customer more than one (1) year after the cause of action has occurred.

 

7.5. Customer shall indemnify, defend and
hold harmless True Technology Company Limited, its directors, employees and agents from any action brought against them by any
third-party in connection with this Agreement, or any other Agreement between Customer and a third-party from any claims resulting
from the use of the service by you or any of your customers or others throughout your chain of distribution, including end-users.
Customer shall pay all damages and reasonable attorney fees arising as a result of Customer's use or misuse of any rights granted
herein.

 

    	4

    	 

    

 

8. COMPLIANCE WITH LAWS

 

8.1. Customer shall at all times comply with
all applicable laws and regulations of the Hong Kong SAR and all other governmental entities governing, restricting or otherwise
pertaining to the use, distribution, exporting or import of data, products, services and/or technical data.

 

8.2. True Technology Company Limited's network
may only be used for lawful purposes. Transmission of any material in violation of any Hong Kong SAR, or other governmental regulation
is prohibited. This includes, but is not limited to, copyrighted material, material legally judged to be threatening or obscene,
or material protected by trade secret.

 

9. TERMINATION

 

9.1. True Technology Company Limited shall
have the right to immediately suspend or terminate this Agreement during any investigation of Acceptable Use Policy or Agreement
violations, misrepresentation of the services offered by Customer’s Server, inappropriate use, use of excessive system or
network resources which adversely affects the performance, security or reliability of the True Technology Company Limited network,
or nonpayment of service fees. In the event that True Technology Company Limited suspends or cancels service, True Technology
Company Limited will make a reasonable effort to notify the emergency contact supplied by the Customer, prior to the actual event.

 

9.2. True Technology Company Limited shall
have the right to suspend or terminate this Agreement for any reason, by providing the Customer with written notice.

 

9.3. The Customer must cancel with written
notice sent to the address of True Technology Company Limited in this Agreement. Customer agrees that True Technology Company
Limited has the right to delete all data, files or other information that is stored on the Customer’s servers, on behalf
of Customer, if either the Customer or True Technology Company Limited cancels this account, for any reason.

 

10. MISCELLANEOUS PROVISIONS

 

10.1. This Customer Agreement is being executed
by Customer at the address provided for herein, and by True Technology Company Limited in Hong Kong SAR.

 

10.2. If any sentence, paragraph, clause or
combination of the same in this Customer Agreement is held by a court or other governmental body of competent jurisdiction to
be unenforceable, invalid or illegal in any jurisdiction, such sentence, paragraph, clause or combination shall be deemed deleted
from this Customer Agreement and the remainder of this Customer Agreement shall remain binding on the parties as if such unenforceable,
invalid or illegal sentence, paragraph, clause or combination had not been contained herein.

 

10.3. In the event litigation is required
to force compliance with, or address any breach of this Agreement, the parties agree that the prevailing party shall be entitled
to attorneys' fees and costs actually incurred.

 

10.4. Relationship. Nothing in this Customer
Agreement or to be done pursuant to its terms and conditions is intended to, or shall, create a partnership or joint venture,
for tax purposes or otherwise, between True Technology Company Limited and Customer. Customer is and shall remain fully and solely
responsible for all of its employees and assumes full responsibility for all costs and liabilities incurred in connection with
the termination of such employees for any reason whatsoever.

 

    	5

    	 

    

 

11. MODIFICATION

 

11.1. This Agreement shall constitute the
entire Agreement between Customer and True Technology Company Limited pertaining to Customer’s server. This Agreement shall
not be modified or altered except by a written instrument duly executed by Customer and by an authorized officer of True Technology
Company Limited.

 

 

 

	Francisco M Xavier.	 	TSANG CHI MING	 
	Print/Type Name	 	Print/Type Name	 
	 	 	 	 
	General Manager	 	I.T. Consultant	 
	Title/Date	 	Title/Date	 

 

 

6

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