Document:

Exhibit
10.14

 

LOAN
AGREEMENT

 

Borrower(Party
A): SMARTEN TECHNOLOGY CO.,LTD

Lender
(Party B) :ZHONGNIAN TECHNOLOGY(BEIJING)CO.,LTD

 

Party
A and B agree to borrow money on the principle of equality, voluntariness and honesty. This loan agreement is specially concluded for
both parties to abide by.

 

I.
Loan amount, loan interest rate and term

 

Both
parties agreed through negotiation that Party B shall lend a total of RMB 100000 (say total: RMB one Hundred Thousand Yuan Only. ) to
Party A in cash.

 

Loan
interest rate 20%

The
loan term of this agreement is from August 5, 2020 to February 4, 2021. (if Party B fails to pay the loan to Party A before August 5,
2020, the starting date of the loan term shall be calculated according to the actual payment date of Party B)

 

II.
Usage of loan

 

Party
A will use the borrowed funds to supplement working capital.

Party
A’s account information:

Beneficiary
bank: Longxiang Sub Branch, Shenzhen, Agricultural Bank of China

Beneficiary
name: SMARTEN TECHNOLOGY CO.,LTD

Beneficiary account No. : 41024200040023259

 

III.
Repayment method

 

1.
After consensus, both parties choose the following repayment methods: Upon expiration of the loan term in this agreement, Party A will
repay the loan in a lump sum.

2.
Party B designates the following bank accounts as receiving accounts and guarantees that they are true and valid. Within seven working
days be-fore the expiration of the loan period, Party A will remit the loan under this agreement to the account.

 

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Beneficiary
bank: Oriental Plaza Sub-branch,Beijing,China Merchants Bank

 Beneficiary name: ZHONGNIAN TECHNOLOGY(BEIJING)CO.,LTD

Beneficiary account No.: 110940132010901

 

3.
In case of prepayment, Party A shall notify Party B one working day in advance.

 

IV.
Party A’s guarantees

 

Repayment
date: before February 4, 2021

Repayment
amount: RMB 110,000 yuan (say total: RMB One Hundred and ten thousand yuan).

100,000+(100,000*20%)/2=110,000

 

1.
Party A is a company established in accordance with the laws of the People’s Republic of China, has the capacity for civil
rights and conduct necessary for signing and performing this agreement, and can independently bear civil liabilities.

2.
All documents and statements related to the loan provided by Party A are legal, true, accurate and complete.

3.
Party A guarantees that this loan agreement will not become invalid due to the change of the legal representative or the
company’s shareholders, will not be subject to any fraud, and is an irrevocable, irrevocable and unconditional guarantee to be
cashed on demand certificate with permanent legal effect. After the maturity of the borrowed funds, if Party B fails to fulfill its
commitment, maliciously evades or deliberately delays the repayment, it is willing to accept the following treatment: Party B can
directly bring a lawsuit to the court to recover from our company by virtue of this loan agreement, and we unconditionally waive all
defenses and counterclaims. Party B may freeze the bank account of our company ac- cording to law by virtue of this loan agreement;
The loan agreement is con- verted into an IOU owed by us to Party B; Recover the cashed amount and charge interest according to the
loan interest rate; All expenses incurred during the recourse period shall be borne by our company.

 

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V.
Party A’s Obligations

 

1.
Party A shall pay off the loan principal in accordance with the agreement.

 

2.
During the loan period, in case of any major change in Party A’s business decision (including but not limited to share conversion,
reorganization, merger, division, joint venture, cooperation, change of business scope and registered capital, etc.) that may affect
Party B’s rights and interests, Party A shall notify Party B in writing at least seven working days in advance, and implement the
loan repayment responsibility or pay off in advance.

 

3.
Without the written consent of Party B, Party A shall not transfer or disguise the debt liability of this agreement in any way.

 

4.
In case of major events affecting Party A’s ability to perform the agreement, including but not limited to major economic disputes,
suspension of business, closure of business, declaration of bankruptcy, dissolution, revocation of business license, revocation, deterioration
of financial situation, etc., Party A shall immediately notify Party B in writing.

 

5.
During the loan period, if Party A changes the legal person’s name, legal representative, domicile, telephone, fax, etc., Party
A shall notify Party B in writing within seven working days after the change.

 

VI.
Party B’s obligations

 

1.
Party B shall lend funds to Party A in full and on time in accordance with the agreement.

 

2.
Party B shall keep confidential the business secrets of Party A and the materials, data and other information required to be kept confidential
by Party A in the process of negotiation, conclusion and performance of this agreement.

 

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VII.
liability for breach of contract

 

1.
After this agreement takes effect, if Party A fails to perform its obligations in accordance with the agreement, it shall bear the corresponding
liability for breach of contract. Party A shall be responsible for the relevant taxes (value- added tax, enterprise income tax, surtax,
etc.) incurred by Party B due to Par- ty A’s failure to repay the loan on schedule.

 

2.
In case of any of the following circumstances, Party B shall have the right to require Party A to repay the loan and other expenses immediately,
and the date on which Party B requires Party A to repay the above amount shall be the date of expiration of the loan term of this agreement.

 

(1)
Party A fails to repay the loan on schedule and fails to repay it after being urged by Party B;

 

(2)
Party A’s business is closed, declared bankrupt, dissolved, its business license is revoked, revoked, involving major economic
disputes, deterioration of financial situation, etc;

 

(3)
Party A has a major event that endangers, damages or may endanger or damage Party B’s rights and interests.

 

This
agreement is made in duplicate, with each party holding one copy. It will come into force after signing and sealing. Other matters not
covered shall be decided by both parties through negotiation.

 

Party
A: SMARTEN TECHNOLOGY CO.,LTD (stamp)

Unified
social credit code: 914403003194288778

Legal person (or agent) signature:

Address:

Tel:

 

Party
B: ZHONGNIAN TECHNOLOGY(BEIJING)CO.,LTD (stamp)

Unified
social credit code:

Legal
person (or agent) signature:

Address:

Tel:

 

    	第 4 页 共 4 页Exhibit
10.15

 

Three
Parties Agreement

 

on
Creditor’s Rights and Debts

 

Party
A: SMARTEN TECHNOLOGY CO.,LTD

 

Address:
Rm 5013,No.57 Guangda Road, Banan Community, Yuanshan Street, Longgang District, Shenzhen City

Unified
social credit code: 914403003194288778

 

Party
B: JUNTAO ZHENG

 

Address:
Rm 8D, Block B, No.4 Building, Dongsheng Times Garden, Zhongshan Avenue, Pingshan Street , Pingshan District, Shenzhen City

 

ID
No. : 420921198509302630 Tel:18025456105

 

Party
C:NAN DU

 

Address:
Rm 502, Block C, No.1 Building, Dongdu Central Throne, Longcheng Street, Longgang District, Shenzhen City

ID
No.: 411303198208060547 Tel:18621083096

 

After
equal and voluntary negotiation, Party A, Party B and Party C have reached the following agreement on the repayment of creditor’s rights
and debts:

 

	1.	As of the date of signing this agreement, the three parties have confirmed that Party B has lent a total of RMB 370000 to Party A through
Party C’s account.

 

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	2.	The
                                            payment and repayment plan for both parties A & B are as follows.

 

	 	2.1.	Party A shall calculate and pay the loan interest monthly from July 1, 2020, and the monthly interest rate shall be calculated at
1.5% and paid before the 10th of the next month.

 

		2.2.	Party
                                            A will repay all principal before December 31, 2020.

 

	3.	After
                                            Party A fulfills the payment obligation to Party B in accordance with this agreement, this
                                            debt of Party A to Party C will be settled.

 

	4.	After
                                            the signing of this agreement, Party B shall not require Party C to pay. If the principal
                                            and interest are not paid on time due to Party A’s reasons, Party B shall require Party A
                                            to bear the liability for breach of contract within the scope of the principal and interest
                                            of Party B’s unpaid creditor’s rights.

 

	5.	In
                                            case of any dispute arising from the performance of this agreement, the parties shall negotiate
                                            friendly. If the negotiation fails, they may bring a lawsuit to the people’s court where
                                            Party A is located.

 

	6.	This
                                            agreement is made in triplicate, with each party holding one copy, which shall com e into
                                            force after being signed and sealed by the three parties.

 

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	Party
    A: SMARTEN TECHNOLOGY CO.,LTD		Party
    B:	JUNTAO
ZHENG
	(stamp)	 	 	 
	 	 	 	 
	X		X /s/ JUNTAO ZHENG 
	 	 	 	 
	Party
    C: NAN DU	 	 	 
	 	 	 	 
	X /s/ NAN DU  	 	 

 

    	Page 3 of 3

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