Document:

Exhibit 10.11

 

股权质押协议

 

Equity Interest Pledge Agreement

 

本《股权质押协议》(下称“本协议”)由以下各方于2018年9月25日在中国深圳签订:

 

This Equity Interest
Pledge Agreement (this “Agreement”) is signed by the following parties on September 25, 2018 in Shenzhen, China.

 

甲方:深圳合利众企业咨询有限公司(下称“质权人”)

 

Party A: Shenzhen Helizhong Enterprise
Consulting Co., Ltd. (the “Pledgee”) 

 

统一信用代码:91440300MA5FAN293H

 

Unified Social Credit Code: 91440300MA5FAN293H

 

地址:深圳市罗湖区东门街道东门社区深南东路辅道2002号南塘商业广场C区2317

 

Address: Room 2317, Zone C, Nantang Commercial
Plaza, #2002 East Shennan Road, Dongmen Community, Dongmen Street, Luohu District, Shenzhen, Guangdong, China.

 

乙方:广东金迅源汽车租赁有限公司(下称“出质人”)

 

Party B: Guangdong Jinxunyuan Auto Leasing
Co., Ltd. (the “Pledgor”)

 

统一社会信用代码:91440101MA59EB0T8B

 

Unified Social Credit Code: 91440101MA59EB0T8B

 

地址:广州市天河区粤垦路498号03铺F2

 

Address: F2, No. 3 Shop, #498 Yueken Road,
Tianhe District

 

Guangzhou, Guangdong, China.

 

    	 	1	 

     

    

 

丙方:深圳合众财富金融投资管理有限公司

 

Party C, Shenzhen Hezhong Fortune Finance
and Investment Management Co., Ltd. 

 

统一信用代码:91440300349884996Y

 

Unified Social Credit Code: 91440300349884996Y

 

地址:深圳市前海深港合作区前湾一路1号A栋201室

 

Address: Room 201, Block A, #1 1st Qian Wan
Road, Qianhai Shenzhen and Hong Kong Cooperation District, Shenzhen, Guangdong, China.

 

丁方:陈带娣

 

Party D: Daidi Chen

 

国籍:中国,身份证号码:441900198010101584

 

Nationality: China; Identification No.: 441900198010101584

 

在本协议中,甲方(“质权人”)、乙方(“出质人”)、丙方及丁方以下各称“一方”,全部合称“各方”。

 

In this Agreement, Party A, or the Pledgee,
Party B, or the Pledgor, Party C or Party D shall be referred to each as a “Party” and collectively as “Parties.”

 

    	 	2	 

     

    

 

鉴于:

 

WHEREAS:

 

1. 甲方(“质权人”)系一家依照中华人民共和国法律在中国境内合法注册的外商独资企业。甲方与丙方签署了《独家咨询和服务协议》,甲、乙、丙、丁方签署了《独家购买权协议》和《表决权委托和财务支持协议》(以下统称“控制协议”);

 

Party A, or the Pledgee,
is a wholly-foreign-owned enterprise legally registered in China. Party A and Party C have entered into an Exclusive Consultation
and Services Agreement. All Parties have entered into an Exclusive Purchase Option Agreement, the Voting Rights Proxy and Financial
Supporting Agreement (together, the “Control Agreements”).

 

2. 乙方(“出质人”)是一家在中国合法注册的内资公司,持有丙方20%股份。丙方在此确认出质人和质权人在本协议下的权利和义务并提供必要的协助以登记该质权;

 

Party B, or the Pledgor,
is a company with domestic capital legally registered in China and holds 20% equity interest of Party C. Party C acknowledges the
respective rights and obligations of the Pledgor and the Pledgee under this Agreement and intends to provide any necessary assistance
regarding the registration of the Pledge.

 

3.
丁方作为乙方之唯一股东持有乙方100%股权,从而间接持有丙方的20
%股权。根据乙方之现行《章程》,丁方任职乙方法定代表人、唯一董事,并担任乙方总经理职务;

 

Party D, as the sole
shareholder of Party B, holds 100% equity interest of Party B. Thus, Party D indirectly holds 20% of equity interest of Party C.
According to the current Articles of Association of Party B, Party D is the legal representative, sole director and general manager
of Party B.

 

4.
为了保证乙方(“出质人”)及丙方履行控制协议项下之义务,按照约定向甲方(“质权人”)支付咨询和服务费等到期款项及履行,乙方(“出质人”)以其在丙方中拥有的全部股权(“该股权”)向甲方(“质权人”)就控制协议项下丙方所有付款义务做出质押担保。

 

In order to ensure
that Party B, or the Pledgor, and Party C fully perform their obligations under the Control Agreements and pay the consulting and
service fees to Party A, or the Pledgee, when the sum becomes due, Party B, or the Pledgor, hereby pledges to the Pledgee all of
the equity interest it holds in Party C (the “Equity Interest”) as security for all payment of the consulting and service
fees owed by Party C under the Control Agreements.

 

    	 	3	 

     

    

 

为了履行控制协议的条款,各方商定按照以下条款签订本协议。

 

To perform the provisions of the Control
Agreements, the Parties agree to enter into this Agreement pursuant to the following terms.

 

1. 定义

 

Definitions

 

除非本协议另有规定,下列词语含义为:

 

Unless otherwise provided herein, the terms
below shall have the following meanings:

 

1.1 质权:指出质人根据本协议第2条给予质权人的担保物权,即指质权人所享有的,以出质人质押给质权人的股权折价或拍卖、变卖该股权的价款优先受偿的权利。

 

Pledge refers to the
security interest granted by the Pledgor to the Pledgee pursuant to Clause 2 of this Agreement, i.e., the priority right of the
Pledgee to be compensated out of the proceeds from the offset, auction and sales of the Equity Interest.

 

1.2 股权:指出质人现在和将来合法持有的其在丙方的全部股权权益。

 

Equity Interest refers to all of the equity
interest of Party C currently held and later legally acquired by the Pledgor .

 

    	 	4	 

     

    

 

1.3 质押期限:指本协议第3条规定的期间。

 

Term of Pledge refers to the term set forth
in Clause 3 of this Agreement.

 

1.4 控制协议:甲方与丙方签署了《独家咨询和服务协议》,甲、乙、丙、丁方签署了《独家购买权协议》和《表决权委托和财务支持协议》;

 

Control Agreements
refers the Exclusive Consultation and Services Agreement by and between Party A and Party C, and the Exclusive Purchase Option
Agreement, the Voting Rights Proxy and Financial Supporting Agreement by and among all Parties.

 

1.5 违约事件:指本协议第7条所列任何情况。

 

Event of Default refers to any of the circumstances
set forth in Clause 7 of this Agreement.

 

1.6 违约通知:指质权人根据本协议发出的宣布违约事件的通知。

 

Notice of Default refers to the notice
issued by the Pledgee in accordance with this Agreement declaring an Event of Default.

  

2. 质权

 

The Pledge

 

为保证乙方与丙方完全履行控制协议,以及由丙方按时和全额支付控制协议项下甲方应得的任何或全部的款项,包括但不限于控制协议中规定的咨询和服务费的担保(无论该等费用的到期应付是由于到期日的到来、提前收款的要求或其它原因),乙方作为出质人特此将其现有或将拥有的丙方的全部股权权益质押给甲方(“质权人”)。

 

As collateral security for Party B and
Party C’s fulfillment of the Control Agreements and Party C’s timely and full payment to Party A when due (no matter
whether at stated maturity date or by acceleration or otherwise of any or other reasons), including without limitation the consulting
and services fees payable to the Pledgee under the Control Agreements, Party B as Pledgor hereby pledges to Party A, or the Pledgee,
a first security interest in all of the Pledgor’s right, title and interest, whether now owned or hereafter acquired by the
Pledgor, in the Equity interest of Party C.

 

    	 	5	 

     

    

 

3. 质押期限

 

Term of Pledge

 

3.1 本协议签署后,本协议各方应尽快完成股权质押工商登记。质权有效期持续到出质人不再担任丙方的股东或丙方履行所有控制协议项下义务为止。出质人应当将质押在公司股东名册上载明。

 

The Parties shall complete
the registration of the Pledge with relevant government authorities upon execution of this Agreement. The Pledge remains valid
until the Pledgor is no longer a shareholder of Party C or the satisfaction of all Party C’s obligations under the Control
Agreements. The Pledgor shall note this Pledge on the shareholders’ list of the Company.

  

3.2 质押期限内,如丙方未按控制协议交付咨询服务费等费用,质权人有权但无义务按本协议的规定处分质权。

 

During the Term of Pledge, in the event
that Party C fails to pay the exclusive consulting or service fees in accordance with the Control Agreements, the Pledgee shall
have the right, but not the obligation, to dispose of the Pledge in accordance with the provisions of this Agreement.

 

4. 质权凭证的保管

 

Custody of Record
for the Pledge

 

4.1 在本协议规定的质押期限内,出质人应将其在丙方的股权出资证明书及记载质权的股东名册交付质权人保管。出质人应在本协议签订之日起一周内将上述股权出资证明书及股东名册交付给质权人。质权人将在本协议规定的全部质押期间一直保管这些项目。

 

During the Term of Pledge set forth in
this Agreement, the Pledgor shall deliver to the Pledgee the capital contribution certificate of the Equity Interest and the shareholders’
list containing the Pledge within one week from the execution of this Agreement. The Pledgee shall have custody of such items during
the entire Term of Pledge set forth in this Agreement.

 

    	 	6	 

     

    

 

4.2 在质押期限内,质权人有权收取股权所产生的红利。

 

The Pledgee shall have the right to collect
dividends generated by the Equity Interest during the Term of Pledge.

  

5. 声明和保证

 

Representations and Warranties

 

5.1 出质人及其股东丁方在此共同声明与保证如下:

 

The Pledgor and its shareholder, Party
D, hereby represents and warrants as follows:

 

5.1.1 出质人是股权登记所有人;

 

The Pledgor is the owner of the Equity
Interest in record of registration of shareholder;

 

5.1.2 质权人有权以本协议规定的方式处分并转让出质人的股权;

 

The Pledgee shall have the right to dispose
and transfer the Equity Interest in accordance with the provisions set forth in this Agreement;

 

5.1.3 除本质权之外,出质人及丁方未在股权上设置任何其他质押权利或其他担保权益。

 

Except for the Pledge, the Pledgor and
Party D have not placed any security interest or other encumbrance on the Equity Interest.

 

    	 	7	 

     

    

 

5.2 丁方作为出质人之唯一股东在此向质权人、出质人及丙方声明与保证如下:

 

Party D, as the sole shareholder of the
Pledgor, hereby represents and warrants:

 

5.2.1为确保其对出质人的唯一控制,在本协议终止之前将不得有下列任何行为:(a)转让出质人之全部或部分股权;
(b)在其股权上设置任何限制性权利(包括但不限于抵押、质押等);(c)修改章程从而变更出质人的注册资金、法人股东、董事及总经理职务等任何内容;
(d)任命其他高管从而不直接参与出质人的经营活动;

 

To ensure exclusive
control of the Pledgor, before the termination of this Agreement, Party D shall not (a) transfer all or part of her equity interest
of the Pledgor, (b) impose any restrictive rights on the equity interest of the Pledgor including but not limited to mortgages,
pledges, etc., (c) amend the Article of Association of the Pledgor to change Pledgor’s registered capital, shareholders,
directors and general managers, etc., or (d) appoint other executives so as not to directly participate in the business operation
of the Pledgor.

  

5.2.2丁方作为出质人之唯一股东及董事将确保,出质人履行作为本协议项下之出质人的所有承诺、义务与责任,并与出质人连带共同承担本协议项下出质人之所有承诺、义务与责任。

 

Party D, as the sole
shareholder and sole director of Pledgor, will guarantee that the Pledgor will be liable all of its responsibilities and obligations
under this Agreement, and Party D and the Pledgor will be severally and jointly liable for all the covenants, obligations and responsibilities
of the Pledgor under this Agreement.

 

    	 	8	 

     

    

 

6. 出质人承诺和确认

 

Covenants and Confirmations by the Pledgor

 

6.1 在本协议存续期间,出质人向质权人承诺如下:

 

During the term of this Agreement, the
Pledgor hereby covenants with the Pledgee as follows:

 

6.1.1除履行由出质人与质权人、丙方及丁方于2018年9月25日签订的《独家购买权协议》外,出质人未经质权人事先书面同意,不得转让该股权,不得在股权上设立或允许存在任何担保或其他债务负担;

 

The Pledgor shall not transfer the Equity
Interest, place or permit the existence of any security interest or other encumbrance on the Equity Interest without the prior
written consent of Pledgee, except for the performance of the Exclusive Purchase Option Agreement executed by the Pledgor, the
Pledgee, Party C and Party D on September 25, 2018.

 

6.1.2 出质人遵守并执行所有有关权利质押的法律、法规的规定,在收到有关主管机关就质权发出或制定的通知、指令或建议时,于五个工作日内向质权人出示上述通知、指令或建议,同时遵守上述通知、指令或建议,或按照质权人的合理要求或经质权人同意就上述事宜提出反对意见和陈述;

 

The Pledgor shall comply with the provisions
of all laws and regulations applicable to the pledge of rights. Within five business days upon receipt of any notice, order or
recommendation issued or prepared by relevant competent authorities regarding the Pledge, the Pledgor shall present the aforementioned
notice, order or recommendation to Pledgee and shall comply with the aforementioned notice, order or recommendation or submit objections
and statements with respect to the aforementioned matters upon Pledgee’s reasonable request or with the Pledgee’s consent.

 

6.1.3 出质人应将任何可能导致对出质人股权或其任何部分的权利产生影响的事件或收到的通知,以及可能改变出质人在本协议中的任何保证、义务或对出质人履行其在本协议中义务可能产生影响的任何事件或收到的通知,及时通知质权人。

 

The Pledgor shall promptly notify the Pledgee
of any event or notice received by the Pledgor that may have an impact on the Pledgee’s rights to the Equity Interest or
any portion thereof, as well as any event or notice received by the Pledgor that may have an impact on any guarantees and other
obligations of Pledgor arising out of this Agreement.

 

    	 	9	 

     

    

 

6.1.4出质人同意,质权人按本协议条款取得的对质权享有的权利,不应受到出质人或出质人的继承人或出质人之委托人或任何其他人通过法律程序的中断或妨害。

 

The Pledgor agrees that the rights acquired
by the Pledgee in accordance with this Agreement with respect to the Pledge shall not be interrupted or harmed by the Pledgor or
any heirs or representatives of Pledgor or any other persons through any legal proceedings.

  

6.1.5出质人及丁方向质权人保证,为保护或完善本协议对偿付控制协议项下咨询服务费等费用的担保,出质人及丁方将诚实签署、并促使其他与质权有利害关系的当事人签署质权人所要求的所有的权利证书、契约和/或履行并促使其他有利害关系的当事人履行质权人所要求的行为,并为本协议赋予质权人之权利、授权的行使提供便利,与质权人或其指定的人(自然人/法人)签署所有的有关股权所有权的文件,并在合理期间内向质权人提供其认为需要的所有的有关质权的通知、命令及决定。

 

To protect or perfect
the security interest granted by this Agreement for payment of the consulting and service fees under the Control Agreements, the
Pledgor and Party D hereby undertake to execute in good faith and to cause other parties who have an interest in the Pledge to
execute all certificates, agreements, deeds and/or covenants required by Pledgee. The Pledgor and Party D also undertake to perform
and to cause other parties who have an interest in the Pledge to take actions required by Pledgee, to facilitate the exercise of
Pledgee’s rights and authority granted under this Agreement, and to execute all relevant documents with Pledgee or designee(s)
of Pledgee (natural persons/legal persons) regarding ownership of Equity Interest. The Pledgor undertakes to provide Pledgee within
a reasonable time with all notices, orders and decisions regarding the Pledge that are required by Pledgee.

 

    	 	10	 

     

    

 

6.1.6出质人及丁方共同向质权人保证,出质人将遵守、履行本协议项下所有的保证、承诺、合同、陈述及条件。如出质人不履行或不完全履行其保证、承诺、合同、陈述及条件,出质人应赔偿质权人由此遭受的一切损失。

 

The Pledgor and Party D hereby jointly
promise to comply with and perform all guarantees, promises, agreements, representations and conditions under this Agreement. In
the event of failure or partial performance of their guarantees, promises, agreements, representations and conditions, the Pledgor
shall indemnify Pledgee for all losses resulting therefrom.

  

6.1.7出质人应在本协议签订后30天内向工商行政管理局办理质押登记手续。

 

The Pledgor shall
process the registration procedures with the Administration for Industry and Commerce concerning the Pledge within thirty day
after the execution of this Agreement.

 

6.1.8未经事先书面通知质权人并获得其事先书面同意,出质人不得将股权转让,出质人的所有拟转让股权的行为无效。出质人转让股权所得价款应首先用于提前向质权人清偿担保债务或向与质权人约定的第三人提存。

 

Without prior written notice to Pledgee
in advance and Pledgee’s written consent, the Pledgor shall not transfer the Equity Interest and any action for the proposed
transfer of the Equity Interest of the Pledgor shall be void. Any payment received by the Pledgor for transfer of the Equity Interest
shall be first used to repay the secured obligations to Pledgee or be placed in escrow with a third party as agreed with Pledgee.

 

    	 	11	 

     

    

 

7. 违约事件

 

Event of Breach

 

7.1 下列事项均被视为违约事件:

 

The following circumstances
shall be deemed Events of Default:

 

7.1.1 丙方未能按期、完整履行控制协议项下任何责任,包括但不限于丙方未能按期足额支付控制协议项下的应付的咨询服务费等费用或有违反该合同其他义务的行为;

 

Party C fails to fully and timely fulfill
any liabilities under the Control Agreements, including without limitation to failure to pay in full any of the consulting and
service fees payable under the Control Agreements or breaches any other obligations of Party C thereunder,

 

7.1.2 出质人或丙方或丁方实质违反本协议的任何条款;

 

The Pledgor, Party C or Party D has committed
a material breach of any provisions of this Agreement,

 

7.1.3 除履行《独家购买权协议》外,出质人舍弃出质的股权或未获得质权人书面同意而擅自转让或意图转让出质的股权;

 

Except for the performance of the Exclusive
Purchase Option Agreement, the Pledgor transfers or purports to transfer or abandons the Equity Interest pledged or assigns the
Equity Interest pledged without the written consent of the Pledgee, and

 

7.1.4 丙方的继承人或代管人只能履行部分或拒绝履行控制协议项下的支付责任;

 

The successor or custodian of Party C is
capable of only partially performing or refusing to perform the payment obligations under the Control Agreements,

 

7.1.5 出质人因其所拥有的财产出现不利变化,致使质权人认为出质人履行本协议项下的义务的能力已受到影响;

 

The occurrence of any adverse change to
the assets or property of the Pledgor, which in Pledgee’s determination may impact the ability of the Pledgor to perform
its obligations hereunder,

 

    	 	12	 

     

    

 

7.1.6 按有关法律规定质权人不能或可能不能行使处分质权的其他情况。

 

The occurrence of any other circumstances
under which the Pledgee is not or may not able to exercise its rights hereunder in accordance with the applicable law,

  

7.2 如知道或发现本条第7.1条所述的任何事项或可能导致上述事项的事件已经发生,出质人及丙方应立即以书面形式通知质权人。

 

Upon notice or discovery of the occurrence
of any circumstances or event that may lead to the aforementioned circumstances described in Clause 7.1, the Pledgor and Party
C shall immediately notify Pledgee in writing accordingly.

 

7.3 除非本条第7.1条项下的违约事件在质权人向出质人发出要求其修正此违约行为通知后的二十(20)天之内已经按质权人要求获得救济,质权人在其后的任何时间,可向出质人发出书面违约通知,要求立即依据本协议第八条行使质权权利。

 

Unless an Event of Default set forth in
Clause 7.1 of this Agreement has been successfully resolved to Pledgee’s satisfaction within twenty (20) days after the Pledgee
delivers a notice to the Pledgor requesting ratification of such Event of Default, the Pledgee may issue a Notice of Default to
the Pledgor in writing at any time thereafter, demanding to immediately dispose of the Pledge in accordance with the provisions
of Clause 8 of this Agreement.

 

8. 质权的行使

 

Exercise of Pledge

 

8.1 在控制协议所述的咨询服务费等费用未全部偿付前,未经质权人书面同意,出质人不得转让出质人拥有的丙方股权。

 

Prior to the full payment of the consulting
and service fees described in the Control Agreements, without the Pledgee’s written consent, the Pledgor shall not assign
Pledgor’s Equity interest of Party C.

 

    	 	13	 

     

    

 

8.2 在质权人行使其质押权利时,质权人可以向出质人发出书面通知。

 

The Pledgee may issue a written notice
to the Pledgor when exercising the Pledge.

 

8.3 受限于第7.3条的规定,质权人可在按第7.3条之规定发出违约通知之后的任何时间里对质权行使处分的权利。质权人决定行使处分质权的权利时,出质人即不再拥有任何与股权有关的权利和利益。

 

Subject to the provisions of Clause 7.3,
the Pledgee may exercise the right to enforce the Pledge at any time after the issuance of the notice of default in accordance
with Clause 7.3. Once Pledgee elects to enforce the Pledge, the Pledgor shall cease to be entitled to any rights or interests associated
with the Equity Interest.

 

8.4 在违约时,根据中国有关法律的规定,质权人有权按照法定程序处置质押股权。在中国法律允许的范围内,对于处置的所得,质权人无需给付出质人;出质人特此放弃其可能有的能向质权人要求任何质押股权处置所得的权利。

 

In the Event of Default, Pledgee is entitled
to dispose the Equity Interest in accordance with applicable PRC laws. Only to the extent permitted under applicable PRC laws,
Pledgee has no obligation to account to the Pledgor for proceeds from the disposition of the Equity Interest, and the Pledgor hereby
waives any rights it may have to demand any such accounting from Pledgee.

 

8.5 质权人依照本协议处分质权时,出质人、丙方和丁方应予以必要的协助,以使质权人实现其质权。

 

When the Pledgee disposes of the Pledge
in accordance with this Agreement, the Pledgor, Party C and Party D shall provide necessary assistance to enable the Pledgee to
enforce the Pledge in accordance with this Agreement.

  

9. 转让

 

Assignment

 

9.1 除非经质权人事先同意,出质人及丙方、丁方无权赠予或转让其在本协议项下的权利义务。

 

Without Pledgee’s prior written consent,
the Pledgor, Party C and Party D shall not assign or delegate their rights and obligations under this Agreement.

 

    	 	14	 

     

    

 

9.2 本协议对出质人、丙方及丁方,及它们之继任人和经许可的受让人均有约束力,并且对质权人及每一继任人和受让人有效。

 

This Agreement shall be binding on the
Pledgor, Party C and Party D and their successors and permitted assigns, and shall be valid with respect to Pledgee and each of
its successors and assigns.

 

9.3 质权人可以在任何时候将其在控制协议项下的所有或任何权利和义务转让给其指定的人(自然人/法人),在这种情况下,受让人应享有和承担本协议项下质权人享有和承担的权利和义务,如同其作为原合同方应享有和承担的一样。质权人转让控制协议项下的权利和义务时,应质权人要求,出质人及丁方应就此转让签署有关合同和/或文件。

 

At any time, the Pledgee may assign any
and all of its rights and obligations under the Control Agreements to its designee(s) (natural/legal persons), in which case the
assigns shall have the rights and obligations of Pledgee under this Agreement, as if it were the original party to this Agreement.
When the Pledgee assigns the rights and obligations under the Control Agreements, upon Pledgee’s request, the Pledgor and
Party D shall execute relevant agreement or other documents relating to such assignment.

 

9.4 因转让所导致的质权人变更后,应质权人要求,出质人、丙方及丁方应与新的质权人签订一份内容与本协议一致的新质押合同,并在相应的工商行政管理机关进行登记。

 

In the event of a change of Pledgee due
to an assignment, the Pledgor , Party C and Party D shall, at the request of Pledgee, execute a new pledge agreement with the new
pledgee on the same terms and conditions as this Agreement, and register the same with the relevant Administration for Industry
and Commerce.

 

    	 	15	 

     

    

 

9.5 出质人、丙方及丁方应严格遵守本协议和各方单独或共同签署的其他有关合同的规定,包括股权处分合同和对质权人的授权委托书,履行各合同项下的义务,并不得进行任何足以影响合同的有效性和可强制执行性的作为/不作为行为。除非根据质权人的书面指示,出质人不得行使其对质押股权还留存的权利。

 

The Pledgor, Party C and Party D shall
strictly abide by the provisions of this Agreement and other contracts jointly or separately executed by the Parties hereto or
any of them, including a share disposal agreement and the Power of Attorney granted to Pledgee, perform the obligations hereunder
and thereunder, and refrain from any action/omission that may affect the effectiveness and enforceability thereof. Any remaining
rights of the Pledgor with respect to the Equity Interest pledged hereunder shall not be exercised by the Pledgor except in accordance
with the written instructions of the Pledgee.

 

10. 终止

 

Termination

 

在控制协议项下的咨询服务费等费用偿还完毕并且丙方不再承担控制协议项下的任何义务之后,本协议终止,并且在尽早合理可行的时间内,质权人应解除本协议下的股权质押。

 

Upon the full payment of the consulting
and service fees under the Control Agreements and upon termination of Party C’s obligations under the Control Agreements,
this Agreement shall be terminated, and Pledgee shall then terminate the Pledge under this Agreement as soon as reasonably practicable.

 

11. 手续费及其他费用

 

Processing Fees
and Other Expenses

 

一切与本协议有关的费用及实际开支,其中包括但不限于法律费用、工本费、印花税以及任何其他税收、费用等全部由丙方承担。

 

All fees and out-of-pocket expenses relating
to this Agreement, including but not limited to legal fees, costs of production, stamp tax and any other taxes and fees, shall
be borne by Party C.

 

    	 	16	 

     

    

 

12. 保密责任

 

Confidentiality

 

各方承认及确定有关本协议、本协议内容,以及彼此就准备或履行本协议而交换的任何口头或书面资料均被视为保密信息。各方应当对所有该等保密信息予以保密,而在未得到另一方书面同意前,不得向任何第三者披露任何保密信息,但下列信息除外:(a)公众人士知悉或将会知悉的任何信息(但非由接受保密信息之一方擅自向公众披露的情形除外);(b)根据适用法律法规、股票交易规则、或政府部门或法院的命令而所需披露之任何信息;或(c)由任何一方就本协议所述交易而需向其股东、投资者、法律或财务顾问披露之信息,而该股东、法律或财务顾问亦需遵守与本条款相类似之保密责任。如任何一方工作人员或聘请机构的泄密均视为该方的泄密,需依本协议承担违约责任。无论本协议以任何理由终止,本条款仍然生效。

 

The Parties acknowledge
that this Agreement, its terms and any oral or written information communicated by and among the Parties in connection with the
preparation and performance this Agreement are regarded as confidential information. Each Party shall maintain confidentiality
of all such confidential information, and without obtaining the written consent of the other Party, it shall not disclose any relevant
confidential information to any third parties, except for the information that: (a) is or will be in the public domain (other than
through the receiving Party’s unauthorized disclosure), (b) is under the obligation to be disclosed pursuant to the applicable
laws or regulations, rules of any stock exchange, or orders of the court or other government authorities, or (c) is required to
be disclosed by any Party to its shareholders, investors, legal counsels or financial advisors regarding the transaction contemplated
hereunder, provided that such shareholders, investors, legal counsels or financial advisors shall be bound by the confidentiality
obligations similar to those set forth in this Clause. Disclosure of any confidential information by the staff members or agencies
hired by any Party shall be deemed disclosure of such confidential information by such Party, where Party shall be held liable
for breach of this Agreement. This Clause shall survive the termination of this Agreement for any reason.

 

    	 	17	 

     

    

 

13. 适用法律和争议的解决

 

Governing Law and
Resolution of Disputes

 

13.1 本协议的订立、效力、解释、履行、修改和终止以及争议的解决均适用中国法律。

 

The execution, effectiveness, interpretation,
performance, amendment, termination of this Agreement and dispute resolution shall be governed by the laws of the People’s
Republic of China.

 

13.2 一切因执行本协议同或与本协议有关的争执,应由双方通过友好方式协商解决。如经协商不能得到解决时,应提交位于深圳的中国国际经济贸易仲裁委员会华南分会,并按照其现行仲裁规则进行仲裁,仲裁地点在深圳,仲裁语言为中文。仲裁裁决是终局性的,对各方均有约束力。

 

In the event of any dispute with respect
to this Agreement, the Parties shall first resolve the dispute through friendly negotiations. In the event that the Parties fail
to reach an agreement over the dispute, any Party may submit the relevant dispute to the South China Sub-Commission of China International
Economic and Trade Arbitration Commissions in accordance with its current arbitration rules. The arbitration shall be conducted
in Shenzhen, and the language used in arbitration shall be Chinese. The arbitration judgment shall be final and binding on all
Parties.

 

    	 	18	 

     

    

 

13.3 因解释和履行本协议而发生任何争议或任何争议正在进行仲裁时,除争议的事项外,本协议双方仍应继续行使各自在本协议项下的其他权利并履行各自在本协议项下的其他义务。

 

Upon the occurrence of any disputes arising
from the construction and performance of this Agreement or during the pending arbitration of any dispute, except for the matters
under dispute, the Parties to this Agreement shall continue to exercise their respective rights under this Agreement and perform
their respective obligations under this Agreement.

 

14. 通知

 

Notices

 

14.1 本协议项下要求或发出的所有通知和其他通信应通过专人递送、挂号邮寄、邮资预付或商业快递服务的方式发到该方下列地址。每一通知还应再以电子邮件送达。该等通知视为有效送达的日期按如下方式确定:通知如果是以专人递送、快递服务或挂号邮寄、邮资预付发出的,则以于设定为通知的地址在签收或拒收之日为有效送达日。

 

All notices and other communications required
or permitted to be given pursuant to this Agreement shall be delivered personally or sent by registered mail, postage prepaid,
by a commercial courier service to the address set forth below. In addition, a copy of each notice shall also be sent by email.
The dates on which notices shall be deemed to have been effectively given shall be determined as follows: Notices given by personal
delivery, by courier service or by registered mail, postage prepaid, shall be deemed effectively given on the date of acceptance
or refusal at the address specified for notices.

 

14.2 为通知之目的,各方地址如下:

 

For the purpose of notices, the addresses
of the Parties are as follows:

 

甲方:深圳合利众企业咨询有限公司

 

Party A: Shenzhen
Helizhong Enterprise Consulting Co., Ltd.

 

    	 	19	 

     

    

 

地址:深圳市罗湖区东门街道东门社区深南东路辅道2002号南塘商业广场C区2317

 

Address: Room 2317, Zone C, Nantang Commercial
Plaza, #2002 East Shennan Road, Dongmen Community, Dongmen Street, Luohu District, Shenzhen, Guangdong, China.

 

收件人:温兆斌

 

Addressee: Zhaobin
Wen

 

电话:18928940208

 

Telephone Number:
18928940208

 

电子邮件:wenzhaobin_1688@163.com

 

Email: wenzhaobin_1688@163.com

  

乙方:广东金迅源汽车租赁有限公司

 

Party B: Guangdong Jinxunyuan Auto Leasing
Co., Ltd.

 

地址:广州市天河区粤垦路498号03铺F2

 

Address: F2, No. 3 Shop, #498 Yueken Road,
Tianhe District,

 

Guangzhou, Guangdong, China

 

收件人:陈带娣

 

Addressee: Daidi Chen

 

电话:13828473810

 

Telephone Number: 13828473810

  

电子邮件:chendaidi_588@163.com

 

Email: chendaidi_588@163.com

  

    	 	20	 

     

    

 

丙方:深圳合众财富金融投资管理有限公司

 

Party C: Shenzhen Hezhong Fortune
Finance and Investment Management Co., Ltd.

 

地址:深圳市前海深港合作区前湾一路1号A栋201室

 

Address: Room 201, Block A, #1
1st Qian Wan Road, Qianhai Shenzhen and Hong Kong Cooperation District, Shenzhen, Guangdong, China

  

收件人:温兆斌

 

Addressee: Zhaobin
Wen

 

电话:189
2894 0208

 

Telephone Number: 189
2894 0208

 

电子邮件:wenzhaobin_1688@163.com

 

Email: wenzhaobin_1688@163.com

 

丁方:陈带娣

 

Party D: Daidi Chen

 

地址:广东省东莞市厚街镇和田东头村民小组二巷16号

 

Address: No. 16, Second Lane, Hetian Dongtou
Village, Houjie Town, Dongguan, Guangzhou Province

 

电话:13828473810

 

Telephone Number: 13828473810

 

电子邮件:chendaidi_588@163.com

 

Email: chendaidi_588@163.com

 

    	 	21	 

     

    

 

14.3 任何一方变更接收通知的地址或联系人的,应按本条规定给其他方发出通知。

 

If any Party changes its address or contact
person, a notice shall be delivered to the other Parties in accordance with the terms hereof.

  

15. 可分割性

 

Severability

 

如果本协议有任何一条或多条规定根据任何法律或法规在任何方面被裁定为无效、不合法或不可执行,本协议其余规定的有效性、合法性或可执行性不应因此在任何方面受到影响或损害。各方应通过诚意磋商,争取以法律许可以及各方期望的最大限度内有效的规定取代那些无效、不合法或不可执行的规定,而该等有效的规定所产生的经济效果应尽可能与那些无效、不合法或不能强制执行的规定所产生的经济效果相似。

 

In the event that one or several of the
provisions of this Agreement are found to be invalid, illegal or unenforceable in any aspect in accordance with any laws or regulations,
the validity, legality or enforceability of the remaining provisions of this Agreement shall not be affected or compromised in
any respect. The Parties shall strive in good faith to replace such invalid, illegal or unenforceable provisions with effective
provisions that accomplish to the greatest extent permitted by law and the intentions of the Parties, and the economic effect of
such effective provisions shall be as close as possible to the economic effect of those invalid, illegal or unenforceable provisions.

 

    	 	22	 

     

    

 

16. 生效

 

Effectiveness

 

16.1 本协议于2018年9月25日由各方签署生效。

 

This Agreement shall become effective as
of September 25, 2018 when the Parties have duly executed this Agreement.

 

16.2 本协议的任何修改、补充或变更,均须采用书面形式,经各方签字或盖章后生效。

 

Any amendments, changes and supplements
to this Agreement shall be in writing and shall become effective after the affixation of the signatures or seals of the Parties.

 

16.3 本协议以中文和英文书就,一式四份,质权人、出质人、丙方及丁方各持一份,具有同等效力;中英文版本之内容或理解如有冲突,应以中文版为准。

 

This Agreement is written in Chinese and
English in quadruplicate. The Pledgor, Pledgee, Party C and Party D shall each hold one copy with the same legal effect. In case
there is any conflict regarding contents or understanding between the Chinese version and the English version, the Chinese version
shall prevail.

  

    	 	23	 

     

    

 

有鉴于此,各方已使得经其授权的代表于文首所述日期签署了本股权质押协议并即生效,以昭信守。

 

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

  

甲方:深圳合利众企业咨询有限公司(盖章):

 

Party A: Shenzhen Helizhong Enterprise
Consulting Co., Ltd.

 

[Corporate seal affixed herein]

 

	法定代表人:	/s/ Zhaobin Wen	 
	 	 	 
	By:	温兆斌	 
	 	Zhaobin Wen, Legal Representative	 

  

乙方:广东金迅源汽车租赁有限公司(盖章):

 

Party B: Guangdong Jinxunyuan Auto Leasing
Co., Ltd. 

 

[Corporate seal affixed herein]

 

	法定代表人:	/s/ Daidi Chen	 
	 	 	 
	By:	陈带娣	 
	 	Daidi Chen, Legal
Representative	 

 

    	 	24	 

     

    

 

丙方:深圳合众财富金融投资管理有限公司(盖章):

 

Party C: Shenzhen Hezhong Fortune Finance
and Investment Management Co., Ltd.

 

[Corporate seal affixed herein]

 

	法定代表人:	/s/ Zhaobin Wen	 
	 	 	 
	By:	温兆斌	 
	 	Zhaobin Wen, Legal
Representative	 

 

丁方:陈带娣

 

Party D:Daidi
Chen

 

	签字:	/s/ Daidi Chen	 
	 	 	 
	By:	陈带娣	 
	 	Daidi Chen	 

 

2018年
9月 25日

 

Date: September 25, 2018

 

    	 	25Exhibit 10.12

 

Cooperation
Agreement

 

Party
A: Shenzhen Hezhong Finance Fortune Investment Management Co., Ltd.

 

Address:
12 Floor, Guangwu Center, No.21 Xingguo Road, Liede Street, Tianhe District, Guangzhou City.

 

Contact:

 

Party
B: Zhongdexin  (Guangzhou) Financial Leasing Co., Ltd.

 

Address:

 

Contact:

 

Whereas:

 

Party
A is a legally operating entity and has the right to operate the “Haoyi lending” platform and/or APP. Party A provides
credit examination services and capital matching services for loan customers. Party B is a legally operating company entity, able
to provide financial leasing and other promotional services. Based on the principles of honesty and trustworthiness, voluntary
equality and mutual benefit, the parties have reached the following agreement through friendly consultation:

 

Article
One Statement and Guarantee of Both Parties

 

1、Party
A and Party B hereby declare that they are independent enterprise legal person that has been approved by the department for industry
and commerce for its legal existence.

 

2、Party
A and Party B guarantee that they have the right and qualification to sign and execute all terms of this agreement.

 

Article
Two Rights and Obligations of Both Parties

 

 (one)
Party A’s Rights and Obligations:

 

1、Party
A shall provide Party B with the screening conditions and requirements in writing, and Party B shall promote the loan customers
according to Party A’s conditions and requirements. Party B does not promise to convert all the loan customers provided into actual
loan customers;

 

    	 	1	 

     

    

 

2、Party
A shall pay the relevant fees to Party B according to the settlement period agreed herein. If Party A fails to pay the fees to
Party B as agreed, Party B shall have the right to request Party A to pay the corresponding fees;

 

3、Party
A shall fully support Party B’s promotion and actively protect Party B’s brand image and legitimate rights and interests.

 

4、After
receiving the loan application from the loan customer recommended by Party B, Party A shall conduct active assessment to make
sure the timeliness. For the approved loan customer, Party A shall pay to the designated account of the loan customer and provide
good service to them. The audit standard and loan of customer loan application shall be decided by Party A. If any disputes  (including
but not limited to disputes on loan, repayment, collection, etc.) or losses between Party A and the loan customer are irrelevant
to Party B, Party A and the customer shall settle them by themselves and Party B shall not bear any economic and legal responsibilities;

 

5、Party
A shall provide Party B with real and effective statistical data of the background system. Party B shall have the right to verify,
and Party A shall cooperate in accordance with Party B’s requirements, including but not limited to Party A’s application process
opened by Party A to Party B and Party B’s telephone interview and verification. If any feedback information provided by Party
A is false or omitted, Party A shall be liable for compensation accordingly;

 

6、If
Party A judges that users recommended by Party B overdue rate is too high according to the internal risk control standard, or
have the malicious behavior of click farming based on the data, or the promotion effect of Party B’s platform does not meet the
requirements, Party A has the right to immediately inform Party B to terminate this agreement, if Party B does have the behavior
of click farming, Party A shall have the rights to request Party B to be liable for the losses therefrom;

 

7、If
Party B’s platform maliciously colludes with its loan customers to provide false materials and information and defrauds funds
through Party A’s platform, in addition to the right to immediately terminate this agreement, Party A shall also have the right
to request Party B to bear the liquidated damages of 20% of the contract amount, and report the case to the public security organization
for investigation of the criminal responsibility of the responsible party.

 

    	 	2	 

     

    

 

 (Two) Party B’s Rights and
Obligations:

 

1、Party
B obtains the customers through its own channels and determines the number and list of customers provided to Party A according
to their availability, qualification and distribution plan. Party B shall truthfully provide Party A with the information provided
by the customer. Party B undertakes not to add any false information to the information, but Party B shall not be liable for any
false information provided by the customer;

 

2、Party
B acknowledges that the intellectual property rights of the materials and information provided by Party A and other materials
specially prepared in accordance with this agreement shall belong to Party A, but shall not be responsible for the authenticity
and legality of the materials and other materials specially prepared in accordance with this agreement.

 

3、Party
B shall, in accordance with its own rules, decide whether to present the materials and information provided by Party A and other
materials specially prepared in accordance with this agreement. However, Party A shall not release any illegal information and
content without Party A’s permission. All responsibilities arising therefrom shall be borne by Party B and Party B shall indemnify
Party A for the economic losses thus incurred.

 

4、Party
B shall not charge any fees from the customer. If it is being found, Party A shall have the right to refuse to pay the corresponding
fees to Party B, terminate the cooperation and require Party B to compensate Party A for its losses.

 

5、When
Party B is in the marketing and promotion process, Party B shall promote Party A’s products in a legal and acceptable methods
accepted by users. Party B shall strictly abide by the advertising law and other laws and regulations;

 

6、During
the agreement period, Party B shall not stop the page display of Party A for no reason, or modify the display page and Party A’s
products related information, including but not limited to procedures, copywriting, Banner pictures, screen shots, publicity materials,
these materials mentioned above may not be duplicated, sale, leased or transferred to third parties or used for any other purposes
outside the product promotion, publicity, otherwise Party B shall bear the corresponding liability to pay compensation;

 

    	 	3	 

     

    

 

7、Party
B shall not maliciously collude with customers, provide false information or information to defraud funds through Party A’s platform;
otherwise, Party A shall have the right to request Party B to pay 30% of the contract amount as liquidated damages in addition
to the right to immediately terminate this agreement, and shall have the right to pursue the criminal responsibility of the responsible
party by reporting the case to the public security organization;

 

8、Party
B shall have the right to immediately remove Party A’s products from the platform of Party B in case of a large number of user
complaints or other serious problems caused by defects of Party A’s products, and the parties shall communicate and solve the
problems therefor. Otherwise, Party B shall have the right to stop or terminate the performance hereof;

 

9、
Party B warrants that it shall not reverse engineer, reverse compile or disassemble Party A’s products without prior written consent
of Party A, shall not damage the integrity  (including program code, data, etc.), and shall not delete the copyright instructions
or statements on Party A’s products;

 

10、Party
B and its employees shall not separately agree with a third party on any term that damages Party A’s interests; Party B shall
be liable for any adverse legal consequences caused by exaggerated publicity or false publicity without Party A’s permission,
and Party B shall bear the losses caused thereby to Party A.

 

Article
Three Cooperation Content 

 

 (One)
Cooperation Term: From December 01, 2017 to December 01, 2019.

 

 (Two)
Cooperation Method: During the period of cooperation between the parties, Party B shall acquire loan customers through its
own channels and recommend some of them to Party A; Party a shall open the corresponding docking methods  (including but not limited
to file transfer, WeChat transmission, exclusive link and background system) to receive the borrowing customers, and provide feedback
on whether the loan customers have applied for registration and whether they have borrowed successfully through the background
system or sending statistical reports.

 

 (Three) Fee:

 

1、Under
any circumstances, all payments made under this agreement shall be settled in RMB, unless otherwise agreed herein;

 

    	 	4	 

     

    

 

2、After
the user obtains Party A’s market activity information or product details page through Party B’s channels, and completes all transaction
application procedures and finally completes the transaction, which shall be deemed as Party B’s successful recommendation of
a valid transaction user. Service charge = effective transaction user initial loan amount *1.5%.

 

3、Effective
behavior data statistical standards: effective behavior data shall be based on the data collected by Party A. Party A shall ensure
the accuracy of the background data statistics. If Party B has objections to the statistical data, Party B may verify the statistical
data through relevant channels or methods  (including but not limited to request Party A to provide a detailed list of data, or
Party B’s own test and apply for the third party audit, etc.) approved by Party A, and the verified data shall prevail.

 

4、Both
parties may negotiate and adjust the above fee standard at any time. If the settlement standard changes, both parties shall sign
a written supplementary agreement for the adjustment.

 

 (Four) Settle
Method:

 

Party
A and Party B shall check the data of the current month and send the settlement statement within 5 working days prior to the next
month. Upon confirmation, Party B shall send the invoice to Party A and Party A shall make payment to Party B within 10 working
days upon receipt of the invoice from Party B.

 

 (five) Information
of Collection and Settlement Account designated by Party B:

 

Company
Name: Zhongdexin  (Guangzhou) Financial Leasing Co., Ltd.

 

Social
Unified Social Code: 91440101MA5AK98XXP

 

Deposit
Bank: Merchants Bank Guangzhou No.2 Zhongshan Branch

 

Bank
Account: 1209 1329 7110 505

 

Party
B shall guarantee that the above account information is correct and accurate, and shall promptly notify party a in writing or
via email in case of any change or other unavailability. Otherwise, the loss caused thereby shall be borne by itself.

 

Article
Four Confidentiality and intellectual property

 

1、“Proprietary
information” means any information of any nature  (including business, finance, operation, management, legal and contractual
fee calculation proportion, etc.) that a director, officer, employee, agent or consultant of a party has received directly or
indirectly from the other party or its consultants before or after the signing of this agreement; such information may be disclosed
in any means, including but not limited to written, oral or electronic transmission. Confidential information includes but not
limited to, sales data, marketing plans, business plans, financial information, customer information, software information, programming
information, source code, graphic and text data, supplier information, employee information, proprietary technology, trade
secrets and other information of technical, technological or commercial nature; it also includes all analytical reports, lists,
research reports and similar documents made on the basis of the above information, as well as all documents and materials made
by a party or its directors, officers, employees, agents or consultants that contain or reflect the above information or are based
on it.

 

    	 	5	 

     

    

 

2、Without
the prior written consent of the other party, either party shall keep the other party’s information confidential and shall
not use or disclose such information to any person or entity, except as required by normal performance of obligations hereunder.

 

3、Each
party shall have exclusive or lawful rights to use its software and platform. Without the explicit authorization of the right
holder, neither party shall change, deduct, break up or reverse the technology and procedures of the other party or conduct in
any other way that may damage the proprietary or lawful rights of the other party.

 

4、The
above terms shall not become invalid due to the termination, termination or revocation of the contract.

 

Article
Five Responsibility for Breach the Contract

 

1、Party
A and Party B shall properly exercise their rights and perform their obligations to guarantee the smooth performance of this agreement.
If either party breaches the warranties, covenants or any agreed/statutory obligations under this agreement, it shall be deemed
to have breached this agreement. If the breaching party causes losses to the other party, the breaching party shall compensate
for the losses.

 

2、
Neither party shall be liable to the other party for failure or delay in performance of this agreement in part or in whole as
a result of force majeure events  (such as hacker attacks, major impact caused by technical adjustment of telecommunications department,
temporary shutdown caused by government regulation, virus invasion, etc.).Either party affected by the event of force majeure
shall provide written proof or obtain written confirmation from the other party and shall make every effort to take measures to
reduce the loss caused to the other party. If the party not affected by the force majeure has reason to think that the event of
force majeure will last for more than 30 days, or the other party is unable to continue to perform this agreement, or the performance
of this agreement has no practical significance, the party may unilaterally terminate this agreement in writing in advance.

 

3、Default
loss compensation under this agreement is because the default behavior of one party and all loss caused to the other side. All
losses here includes but not limited to the other side of the direct economic losses, and therefore the cost of spending  (or arbitration
fee), security fee, valuation fee, auction, execution, attorney fees, investigation fee, etc. If the other terms of this agreement
are expressly stated that a party’s breach of contract and liability for breach of contract, and the provisions of the term are
different from those of this section, the provisions of that term shall prevail.

 

Article
Six Laws to be applied and settlement of disputes

 

1、Making,
execution and interpretation of this agreement, and settlement of the disputes shall be governed by laws of China.

 

2、Unless
otherwise agreed herein, all disputes arising from the performance of this agreement or this agreement shall first be settled
through friendly negotiation. If both parties fail to reach an agreement through negotiation, they shall file a lawsuit with the
people’s court of the place where Party A is located.

 

3、If
the validity of some term hereof is terminated or declared invalid in accordance with the term hereof, it shall not affect the
validity of the confidentiality term, dispute settlement term and other term hereof.

 

    	 	6	 

     

    

 

Article
Seven Other Terms

 

1、During
the term of this agreement, if the contact information of both parties is changed or otherwise unavailable, both parties shall
promptly notify the other party in writing or by email. Both parties have the right to inform the other party to terminate the
contract 7 days in advance according to their business needs. In case of termination due to legal reasons or agreed reasons, both
parties shall properly handle the aftermath, and Party A shall pay Party B the fees that have not been settled as agreed herein.
If either party is liable for breach of contract before the termination of contract, the breaching party shall still be liable
for breach of contract after the termination of contract.

 

2、Neither
party shall assign its rights and obligations under this agreement to any third party without the written consent of the other
party.

 

3、Matters
not covered herein may be otherwise negotiated by both parties. Any changes to the terms of this agreement shall be made in a
written supplementary agreement, which shall have the same legal effect as this agreement.

 

4、Severability:
if any law enacted now or in the future makes any term of this agreement restricted or unenforceable, such term is invalid, but
other term of this agreement shall remain in effect. The parties hereto shall endeavor to reach, through negotiation, a term which
is basically consistent with the failure term in terms of economic effect to replace the failure term.

 

5、This
agreement shall come into force upon being sealed or signed by both parties. This agreement is made in duplicate, with each party
holding one copy and each copy having the same legal effect.

 

 (The
remainder of this page is intentionally left blank 

 

and
the following part is the signature page.) 

 

Party
A: Shenzhen Hezhong Finance Fortune Investment Management Co., Ltd. (sealed)

 

Date:
December 01, 2017

 

Party
B:  Zhongdexin  (Guangzhou) Financial Leasing Co., Ltd. (sealed)

 

Date:
December 01, 2017

 

    	 	7	 

     

    

 

“Cooperation
Agreement” Supplementary Agreement

 

Party
A: Shenzhen Hezhong Fortune Finance Investment Management Co., Ltd.

Address:
12 Floor, Guangwu Center, No.21 Xingguo Road, Liede Street, Tianhe District, Guangzhou City.

 

Party
B: Zhongdexin  (Guangzhou) Financial Leasing Co., Ltd.

Address:
X1301-G4650 (No.1 Building), No.106 Fengze East Road, Nansha District, Guangzhou City. 

 

Whereas:

 

Party
A and Party B signed the Cooperation Agreement, Agreement No.【/ 】 (hereinafter referred to as the
“original agreement”) on 【December】【01】2017. In accordance with the contract
law of the People’s Republic of China and other relevant laws and regulations, both parties hereby agree to change and
supplement the cooperation contents in the original agreement through consultation, so as to comply with them:

 

Article
One.

 

Article
3 “contents of cooperation” of the original agreement shall be specified as follows:

 

		1.	During
                                         the period of cooperation between the parties, Party A shall open the corresponding docking
                                         method  (including but not limited to file transportation, WeChat transportation, exclusive
                                         link and background system) to receive the borrowing customer, and feedback the information
                                         of whether the borrowing customer applied successfully for registration and whether the
                                         borrowing customer succeeds in borrowing through the background system or sending statistical
                                         reports.

 

		2.	During
                                         the period of cooperation between the parties, Party B may recommend the Internet platform
                                         owned by Party A, “Hezhong E Loan” to its own customers who have the borrowing
                                         needs in the course of its business operation and lead such customers to the platform.
                                         The customers shall register and fill in relevant information on the platform by themselves.
                                         Party B undertakes that will not to guide customer or collect any information from customers.

 

		3.	Party
                                         A shall conduct a preliminary pre-loan risk assessment to the customer according to the
                                         internal risk control standards, including the customer’s information collection
                                         and home visit to the customer. Party B shall assist Party A to complete the matters
                                         above. The final risk control assessment results of the customer shall be audited and
                                         confirmed by Party A.

 

    	 	8	 

     

    

 

		4.	Party
                                         A shall publish the loan subject matter applied by the borrower who has passed the risk
                                         control examination of Party a on Party a’s platform, match the fund according to the
                                         relevant rules, and arrange both parties to sign the electronic contract.

 

		5.	If
                                         Party A finally approves the loan application of the borrower recommended by Party B,
                                         it shall be deemed that Party B has successfully recommended a valid transaction user. (service
                                         fee = effective transaction user loan principal *1.5%)

 

		6.	The
                                         fee settlement method is adjusted as follows: the service fee of a single borrower shall
                                         be settled on a monthly basis according to the loan term. Party A and Party B shall check
                                         the data of the current month and send the settlement statement within 5 working days
                                         prior to the next month. After confirmation, Party B shall send the invoice to Party
                                         A and Party A shall make payment to Party B within 10 working days upon receipt of the
                                         invoice from Party B.

 

Article
Two.

 

This
supplementary agreement is an integral part of the original agreement and has the same legal effect as the original agreement.
In case of any conflict with the original agreement, this agreement shall prevail.The terms not covered by this agreement shall
remain in accordance with the original agreement.

 

Article
Three.

 

This
agreement is made in two originals, with one held by each party and both originals shall be equally authentic.

 

 (The
remainder of this page is intentionally left blank) 

 

Party
A: Shenzhen Hezhong Finance Investment Management Co., Ltd. (Stamped)

 

Party
B: Zhongdexin  (Guanghzou) Financial Leasing Co., Ltd.  (Stamped)

 

Date of Signature:
January 8, 2018

 

    	 	9

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