Document:

Exhibit 4.27

Exhibit
4.27

English Translation for Reference

EQUITY PLEDGE AGREEMENT

THIS EQUITY PLEDGE AGREEMENT (hereinafter “this Agreement”) is entered into in Shenzhen as of
December 3, 2010 by the following parties:

Party A: Ying Si Kang Information Technology (Shenzhen) Co., Ltd.

Address: Rom 2108-2110-35, Jiahe Huaqiang Building, Shennan Road, Futian District, Shenzhen

Party B: Yuan Tian

ID card No.: 430102196209230559

Third Party: Shenzhen Xinbao Investment Management Co., Ltd.

Address: Rom 2108-2110-22, Jiahe Huaqiang Building, Shennan Road, Futian District, Shenzhen

WHEREAS:

	1.	 	Party A is a wholly foreign-owned enterprise incorporated in the
People’s Republic of China (hereinafter the “PRC”).

	 
	2.	 	Party B is a citizen of the PRC and holds 5% equity interest in
Shenzhen Xinbao Investment Management  Co., Ltd. (hereinafter “Shenzhen Xinbao”), a limited liability company incorporated in Shenzhen,
China.

	 
	3.	 	Party A and Party B signed
the Loan Agreement on December 3, 2010,
pursuant to which, Party A will provide an interest-free loan in the
total amount of One Thousand Five Hundred Renminbi (RMB1,500) to Party
B (hereinafter the “Loan”) to Party B, and Party B will pledge all of
his equity interest in Shenzhen Xinbao to Party A as a guarantee for
the Loan.

NOW THEREFORE, Party A (hereinafter the “Pledgee”) and Party B (hereinafter the “Pledgor”) hereby
enter into this Agreement after friendly negotiation.

	1.	 	Definitions

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

	 	1.1	 	“Right of Pledge”: refers to all the contents as set forth in Article 2 hereunder.

	 
	 	1.2	 	“Equity Interest”: refers to all the equity interest legally held by the Pledgor
in Shenzhen Xinbao.

	 
	 	1.3	 	“Event of Default”: refers to any circumstances set forth in Article 7.1 hereof.

	 
	 	1.4	 	“Notice of Default”: refers to the notice of default issued by the Pledgee in
accordance with this Agreement, declaring the occurrence of an Event of Default.

 

 

 

	2.	 	Right of Pledge

The Pledgor pledges all of his Equity Interest in Shenzhen  Xinbao to the Pledgee as a
guarantee for all of his liabilities under the Loan Agreement. The “Right of Pledge” refers to
the right owned by the Pledgee to be first compensated from the money converted from, or the
proceeds from the auction or sale of, the Equity Interest pledged by the Pledgor to the
Pledgee.

	3.	 	Registration of Pledge

	 	3.1	 	Within one (1) week after the signing of this Agreement, the Pledgor
shall cause Shenzhen  Xinbao to record the Pledgee’s Right of Pledge
over his Equity Interest in the register of shareholders and deliver
the copy of the register of shareholders bearing the common seal of
Shenzhen  Xinbao, as well as the original of equity contribution
certificate of Shenzhen  Xinbao to the Pledgee for safe-keeping.

	 
	 	3.2	 	Both parties agree that if conditions permit, they will make their
best effort to file, and cause the pledge under this Agreement to be
filed, with the industrial and commercial administrative department in
the place where Shenzhen  Xinbao is registered, but both parties
confirm that unless compulsorily stipulated by the PRC laws and
regulations, whether this Agreement is filed as above or not will not
affect the validity of this Agreement.

	4.	 	Rights of the Pledgee

	 	4.1	 	Where the Pledgor does not perform his liabilities, the Pledgee shall be entitled to be
first compensated from the money converted from, or the proceeds from the auction or sale
of, the Equity Interest of Shenzhen  Xinbao that is pledged.

	 
	 	4.2	 	The Pledgee shall be entitled to the bonus arising from the Equity Interest that is pledged.

	5.	 	Representation and Warranty of the Pledgor

	 	5.1	 	The Pledgor is the legal owner of the pledged Equity Interest.

	 
	 	5.2	 	Except for the interest of the Pledgee, the Pledgor has not created
other pledges or any other kinds of rights over the Equity Interest.

	 
	 	5.3	 	The pledge of the Equity Interest by the Pledgor has obtained the
consent of the other shareholders of Shenzhen  Xinbao, and other
shareholders have unanimously agreed that they will give up the
exercise of their respective preemptive right when the Pledgee
actually exercises the Right of Pledge.

	6.	 	Undertakings by the Pledgor

	 	6.1	 	During the term of this Agreement, the Pledgor undertakes to
the Pledgee for the benefit of the Pledgee that he will:

	 	6.1.1	 	Not transfer or assign the Equity
Interest, nor create or cause to be
created any pledge which may affect the
rights and interests of the Pledgee
without the prior written consent of the
Pledgee;

 

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	 	6.1.2	 	Comply with the laws and regulations with
respect to the pledge of rights; present
to the Pledgee the notices, orders or
suggestions with respect to the Right of
Pledge issued or made by the competent
authority within five (5) days upon
receipt thereof; and comply with such
notices, orders or suggestions; or make an
objection to or a statement on the
foregoing matters at the reasonable
request of the Pledgee or with the consent
of the Pledgee;

	 
	 	6.1.3	 	Timely notify the Pledgee of any events or
any received notices which may affect the
Pledgor’s right over the Equity Interest
or any part thereof, or may change the
Pledgor’s any warranty and obligation
under this Agreement or may have effects
on it.

	 	6.2	 	The Pledgor agrees that the Pledgee’s right to exercise
the Right of Pledge obtained pursuant to this Agreement
shall not be interrupted or hindered by the Pledgor or any
of its successors or principals or any other person
through legal proceedings.

	 
	 	6.3	 	The Pledgor undertakes to the Pledgee that in order to
protect or improve the guarantee for the repayment of the
loan under this Agreement, the Pledgor will execute in
good faith and cause other interested persons relating to
the Right of Pledge to execute all right certificates and
contracts required by the Pledgee and/or perform and cause
other interested persons to perform the acts required by
the Pledgee and facilitate the exercise of the rights and
authority granted to the Pledgee under this Agreement.

	 
	 	6.4	 	The Pledgor undertakes to the Pledgee that he will execute
all documents for the change of equity certificate (if
applicable and necessary) with the Pledgee and any persons
designated by it (natural persons/ legal persons) and
shall, within a reasonable period, provide to the Pledgee
all notices, orders and decisions about the Right of
Pledge as it deems necessary.

	 
	 	6.5	 	The Pledgor undertakes to the Pledgee that for the purpose
of the Pledgee’s benefits, he will comply with and perform
all warranties, undertakings, agreements, representations
and conditions. Where the Pledgor does not perform, in
whole or in part, his warranties, undertakings,
agreements, representations and conditions, the Pledgor
shall compensate all losses suffered by the Pledgee
arising therefrom.

	7.	 	Event of Default

	 	7.1	 	The following events shall be regarded as the Events of Default:

	 	7.1.1	 	The Pledgor fails to perform his obligations under the Loan Agreement;

	 
	 	7.1.2	 	Any representation or warranty made by the Pledgor in Article 5
hereof contains misleading or false information that is material
and/or the Pledgor breaches any warranty in Article 5 hereof;

	 
	 	7.1.3	 	The Pledgor breaches the undertakings under Article 6 hereof;

 

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	 	7.1.4	 	The Pledgor breaches any of the other provisions of this Agreement;

	 
	 	7.1.5	 	The Pledgor waives the pledged Equity Interest or transfers or assigns the
pledged Equity Interest without the prior written consent of the Pledgee;

	 
	 	7.1.6	 	Any borrowing, guarantee, compensation, undertaking or other debt
liabilities of the Pledgor (1) is required to be repaid or performed in
advance due to a default; or (2) has been due but cannot be repaid or
performed on time, which, in the opinion of the Pledgee, would have
affected the ability of the Pledgor in performing his obligations under
this Agreement;

	 
	 	7.1.7	 	Shenzhen  Xinbao is incapable of repaying the general debts or other debts;

	 
	 	7.1.8	 	This Agreement becomes illegal or the Pledgor fails to continue to perform
his obligations herein due to any cause other than force majeure;

	 
	 	7.1.9	 	The properties owned by the Pledgor have significant adverse changes,
which, in the opinion of the Pledgee, would have affected the ability of
the Pledgor in performing his obligations under this Agreement;

	 
	 	7.1.10	 	The breach by the Pledgor due to his act or omission regarding the other
provisions of this Agreement.

	 	7.2	 	If the Pledgor knows or finds that any matter stated in Article 7.1 hereof or any event
possibly resulting in any of the above matters has occurred, he shall immediately inform
the Pledgee in writing.

	 
	 	7.3	 	Unless the Events of Default listed in this Article 7.1 has been resolved to the
satisfactory of the Pledgee, the Pledgee may give a written Notice of Default to the
Pledgor at any time when the Pledgor is in default or thereafter, requesting the Pledgor to
immediately pay the outstanding debts and other payables under the Loan Agreement or
requesting to dispose of the Right of Pledge according to Article 8 hereof.

	8.	 	Exercise of the Right of Pledge

	 	8.1	 	The Pledgor shall not transfer or assign the pledged Equity Interest
before his obligations under the Loan Agreement have been fully
performed and without the prior written consent of the Pledgee

	 
	 	8.2	 	The Pledgee shall give a Notice of Default to the Pledgor when the
Pledgee exercises the Right of Pledge.

	 
	 	8.3	 	Subject to Article 7.3, the Pledgee may exercise the right to dispose
of the Right of Pledge when it gives a Notice of Default in accordance
with Article 7.3 or at any time thereafter.

	 
	 	8.4	 	The Pledgee shall be entitled to be first compensated from the money
converted from, or the proceeds from auction or sale of, all or part
of the Equity Interest hereunder in accordance with statutory
procedures until the outstanding debts and all other payables of the
Pledgor under the Loan Agreement are repaid.

	 
	 	8.5	 	When the Pledgee disposes of the Right of Pledge
in accordance with this Agreement, the Pledgor
shall not pose any obstacles, and shall give
necessary assistance in this regard so that the
Pledgee can realize its Right of Pledge.

 

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	9.	 	Assignment of this Agreement

	 	9.1	 	The Pledgor shall have no right to transfer any of his rights and
obligations under this Agreement unless with the prior consent of the
Pledgee.

	 
	 	9.2	 	This Agreement shall be binding upon the Pledgor and his successors or
heirs, and shall be valid and binding upon the Pledgee and each of its
successors, heirs or permitted assigns.

	 
	 	9.3	 	The Pledgee may, at any time and to the extent permitted by laws,
transfer or assign all or any of its rights and obligations under the
Loan Agreement to any person designated by it (natural person or legal
person). In this case, such assignee shall have the same rights and
obligations hereunder as those of the Pledgee as if the assignee is a
party hereto. When the Pledgee transfers or assigns the rights and
obligations under the Loan Agreement, a written notice shall be only
given by the Pledgee to the Pledgor, and the Pledgor shall, at the
request of the Pledgee, execute the relevant agreements and/or
documents with respect to such transfer or assignment.

	 
	 	9.4	 	A new pledge contract shall be signed between the new parties to the
pledge after the change of the Pledgee as result of the transfer.

	10.	 	Effectiveness and Term

This Agreement is signed on the date first set forth above, and shall become effective from the
date when the pledge of the Equity Interest is recorded on the register of shareholders of
Shenzhen Xinbao.

	11.	 	Termination

This Agreement shall be terminated when the Loan under the Loan Agreement is paid off and the
Pledgor ceases to undertake any obligations under the Loan Agreement, and the Pledgee shall,
within the earliest reasonable and practicable time, offer assistance to complete necessary
formalities so as to discharge the pledge of the Equity Interest.

	12.	 	Handling Charges and Other Expenses

The Pledgee shall be responsible for all the fees and actual expenses in relation to this
Agreement, including but not limited to legal fees, cost of production, stamp tax and any other
taxes and charges. If the Pledgee shall pay the relevant taxes in accordance with the laws, it
shall compensate all such taxes paid by the Pledgor.

 

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	13.	 	Force Majeure

	 	13.1	 	“Force Majeure” means any event that is beyond the
reasonable control of either party and unavoidable or
unpreventable after he/it gives reasonable attention,
including but not limited to government act, act of God,
fire, explosion, storm, flood, earthquake, tide,
lightning or war, but shortage of credit, funds or
financing shall not be deemed to be the event beyond the
reasonable control of either party. The party who is
affected by the “Force Majeure” shall inform the other
party as soon as possible of the event, in respect of
which the exemption from such obligations is sought.

	 
	 	13.2	 	Should the performance of this Agreement be delayed or
prevented due to any “Force Majeure” defined above, the
party who is affected by the “Force Majeure” shall not
be required to assume any liabilities hereunder to the
extent that it is within the scope of the delay or
prevention. The party so affected shall take
appropriate measures to minimize or eliminate the impact
of “Force Majeure”, and make endeavors to resume the
performance of the obligations delayed or prevented by
the “Force Majeure”. Both parties agree to make their
best efforts to resume the performance of this Agreement
once the “Force Majeure” is eliminated.

	14.	 	Confidentiality

Both parties agree and acknowledge that any oral or written information exchanged between them
in connection with this Agreement shall be confidential information. Each party shall keep
confidential all such information, and shall not disclose any of the information to any third
party without the prior written consent of the other party, except for the following: (a) the
information that is or will be known to the public (provided that it is not disclosed to the
public without authorization by the information receiving party); (b) the information required
to be disclosed by applicable laws or stock exchange’s rules or regulations; or (c) the
information required to be disclosed by either party to his/its legal or financial advisors
with respect to the transaction contemplated under this Agreement, for which such legal or
financial advisors shall also comply with the confidentiality obligations similar to those
stated in this Article. Any divulgence of confidential information by any personnel of either
party or any institutions engaged by him/it shall be deemed as the divulgence of confidential
information by such party, and such party shall be liable for the breach pursuant to this
Agreement.

	15.	 	Dispute Resolution

	 	15.1	 	This Agreement shall be governed by and construed in accordance with the PRC laws.

	 	15.2	 	Any dispute between the parties arising from the
interpretation and performance of the provisions of
this Agreement shall be settled by both parties in
good faith through negotiations. In case no
settlement can be reached by both parties, either
party may refer such dispute to the China
International Economic and Trade Arbitration
Commission (“CIETAC”) for arbitration in accordance
with its arbitration rules then in effect. The seat
of arbitration shall be Shenzhen and the language of
proceedings shall be Chinese. The arbitral award
shall be final and binding upon both parties.

 

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	16.	 	Notice

Any notice given by the parties hereto for the purpose of performing the rights and obligations
hereunder shall be in writing. Such notice is deemed to be duly received: if by hand delivery,
at the time of delivery; if by telex or facsimile, at the time of transmission. If such notice
does not reach the
addressee on a business day or reaches the addressee after the business hours, the next
business day following such day is the date of delivery. The delivery place shall be the
address of each party hereto as first written above or other address advised by such party in
writing (including facsimile and telex) subsequently from time to time.

	17.	 	Integrity of this Agreement

Notwithstanding Article 10 hereof, both parties agree that upon its effectiveness, this
Agreement constitutes the entire agreement and understanding between both parties with respect
to the subject matter thereof and supersedes and replaces all prior oral and/or written
agreements and understandings between both parties with respect to the subject matter thereof.

	18.	 	Severability of this Agreement

Should any provision of this Agreement be held invalid or unenforceable due to its
inconsistency with the relevant laws, such provision shall be invalid only to the extent within
the scope of the related jurisdiction, and shall not affect the legal effect of the other
provisions hereof.

	19.	 	Amendment or Supplement to this Agreement

	 	19.1	 	The parties hereto may make amendments or supplements to
this Agreement by written agreement. All amendment
agreements and supplemental agreements in relation to this
Agreement that are duly signed by both parties shall form
an integral part of this Agreement, and shall have the
same legal effect as this Agreement.

	 
	 	19.2	 	This Agreement and any amendments, supplements or changes
thereof shall be in writing and will come into effect upon
being executed and sealed by both parties hereto.

	20.	 	Counterparts

This Agreement is executed in three originals in Chinese, with each of Party A and Party B
holding one original. All originals shall have the same legal effect.

IN WITNESS WHEREOF, each party has caused this Agreement to be executed by himself/itself or
his/its legal representative or authorized representative as of the date first above written.

[No text below]

 

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[The remainder of this page is intentionally left blank]

IN WITNESS WHEREOF, each party has caused this Agreement to be executed by his/its legal
representative or authorized representative or himself/itself as of the date first above written.

	 	 	 	 	 
	Pledgee: Ying Si Kang Information Technology (Shenzhen) Co., Ltd.
	 	 	 	 
	Legal Representative/Authorized Representative:

	 	/s/ Yuan Tian
 

	 	 
	Chop: [Chop affixed]
	 	 	 	 

	 	 	 	 	 
	Pledgor:

	 	Yuan Tian	 	 
	Signature:

	 	/s/ Yuan Tian
 

	 	 

	 	 	 	 	 
	Third Party: Shenzhen Xinbao Investment Management Co., Ltd.
	 	 	 	 
	Legal Representative/Authorized Representative:

	 	/s/ Yuan Tian	 	 
	 

	 	 

	 	 
	Chop: [Chop affixed]
	 	 	 	 

 

8Exhibit 4.28

Exhibit
4.28

English Translation for Reference

EXCLUSIVE PURCHASE OPTION AGREEMENT

THIS EXCLUSIVE PURCHASE OPTION AGREEMENT (hereinafter “this Agreement”) is entered into by the
following Parties in Shenzhen as of December 3, 2010:

Party A: Ying Si Kang Information Technology (Shenzhen) Co., Ltd.

Address: Rom 2108-2110-35, Jiahe Huaqiang Building, Shennan Road, Futian District, Shenzhen

Party B: Yuan Tian

ID card No.: 430102196209230559

Party C: Shenzhen Xinbao Investment Management Co., Ltd.

Address: Rom 2108-2110-22, Jiahe Huaqiang Building, Shennan Road, Futian District, Shenzhen

In this Agreement, Party A, Party B and Party C are referred to individually as a “Party” and
collectively as the “Parties”.

WHEREAS:

	1.	 	Party A is a wholly foreign-owned enterprise incorporated under the laws of the People’s
Republic of China (hereinafter the “PRC”);
	 
	2.	 	Party C is a limited liability company incorporated in Shenzhen, the PRC;

	3.	 	Party B is a shareholder of Party C. Party B holds 5% equity interest in Party C (hereinafter
the “Equity Interest”);

	4.	 	Party A and Party B signed the Loan Agreement on December 3, 2010, pursuant to which
Party B will borrow a loan of One Thousand Five Hundred Renminbi (RMB1,500) from Party A;

	5.	 	Party A and Party B signed the Equity Pledge Agreement on December 3, 2010, pursuant
to which Party B will pledge his Equity Interest in Party C as a guarantee for the loan under
the Loan Agreement;

	6.	 	Party B intends to grant an exclusive purchase option to Party A so that Party A may request
Party B to sell his Equity Interest to it upon certain conditions are met.

	7.	 	Simultaneously with the execution hereof, Party A signed the Exclusive Purchase Option
Agreements with Chunlin Wang, another shareholder of Party C, pursuant to the terms similar to
this Agreement. In accordance with the Exclusive Purchase Option Agreement, Chunlin Wang will
grant to Party A an exclusive purchase option for the purchase of his Equity Interest in Party
C.

 

 

 

NOW, THEREFORE, the Parties hereby agree as follows for mutual observance after friendly
consultation:

1. Purchase and Sale of Equity Interest

	 	1.1	 	Grant of Option

Party B hereby irrevocably grants to Party A an option to purchase or cause any person or
persons designated by Party A (hereinafter the “Designee”) to purchase from Party B
all or part of his Equity Interest in Party C (hereinafter the “Call
Option”) at any time according to the steps determined by Party A at its own discretion
to the extent permitted by PRC Laws and at the price specified in Article 1.3 of this
Agreement. No Call Option shall be granted to any other third person other than
Party A and/or the Designee. Party B shall not sell, offer to sell, transfer or
offer as gift any Equity Interest to any other third person. Party C hereby agrees to the
grant of the Call Option by Party B to Party A and/or the Designee. The
“person” set forth in this Article and this Agreement includes an individual, corporation,
joint venture, partnership, enterprise, trust or a non-corporate body.

	 	1.2	 	Exercising Steps

Subject to the PRC laws and regulations, Party A and/or the Designee may exercise the Call
Option by giving a written notice (hereinafter the “Equity Purchase Notice”) to Party B,
which specifies the Equity Interest to be purchased from Party B (hereinafter the
“Purchased Equity”) and the manner in which purchase is made.

	 	1.3	 	Purchase Price

	 	1.3.1	 	When Party A exercises the Call Option, the purchase price of the
Purchased Equity (the “Purchase Price”) shall be equal to the actual
capital contribution made by Party B for the Purchased Equity, unless
an appraisal is required to be made in respect of the Equity Interest by applicable PRC
laws and regulations then in effect or there are other restrictions imposed by such PRC
laws and regulations on the price of Equity Interest.

	 	1.3.2	 	If an appraisal is required to be made in respect of the Equity Interest by
the PRC laws and regulations that are applicable at the time when Party A exercises its
Call Option or there are other restrictions imposed by such PRC laws and regulation on
the price of Equity Interest, the Parties agree that the Purchase Price shall be the
lowest price permitted by applicable laws.

	 	1.4	 	Transfer of the Purchased Equity

At each exercise of the Call Option:

 

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	 	1.4.1	 	Party B shall cause Party C to convene a shareholders’ meeting in a
timely manner, during which a resolution approving the transfer by Party B of
his Equity Interest to Party A and/or the Designee shall be passed;

	 	1.4.2	 	Party B shall, pursuant to the requirements of this Agreement and
the Equity Purchase Notice in connection with the Purchased Equity,
enter into an equity transfer agreement with Party A and/or the
Designee (as applicable) for each transfer;
	 
	 	1.4.3	 	The related parties shall execute all other necessary contracts,
agreements or documents, obtain all necessary government approvals
and consents and take all necessary actions to grant the valid
ownership of the Purchased Equity to Party A and/or the Designee
without any security interest being attached thereto and cause Party
A and/or the Designee to be the registered owner of the Purchased
Equity. In this Article and this Agreement, “Security Interest”
includes guarantee, mortgage, pledge, third party right or interest,
any share option, right of acquisition, right of first refusal,
right of set-off, ownership detainment or other security
arrangements, but excluding any security interest arising under the
Equity Pledge Agreement.

	 	1.5	 	Payment

The payment method of the Purchase Price shall be determined by Party A and/or the Designee
and Party B through negotiation according to the laws applicable at the time when the Call
Option is exercised. The Parties hereby agree that Party B shall refund to Party A any
amount that is paid by Party A and/or the Designee to Party B with respect to the Purchased
Equity in accordance with laws so as to repay his loan principal under the Loan Agreement
as well as the loan interest or fund utilization costs permitted by laws.

	2.	 	Undertakings Relating to the Equity Interest 

	 	2.1	 	Undertakings by Party C
	 
	 	 	 	Party B and Party C hereby undertake:

	 	2.1.1	 	Not to supplement, amend or modify Party C’s articles of association
in any way, or to increase or decrease its registered capital, or to
change its registered capital structure in any way without Party A’s
prior written consent;
	 
	 	2.1.2	 	To maintain its existence, and to operate its business and deal with
matters prudently and effectively, subject to good financial and
business rules and practices;

 

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	 	2.1.3	 	Not to sell, transfer, mortgage or otherwise dispose of, or cause
any other security interest to be created on, the legal or
beneficial interests in any of Party C’s assets, business or income
at any time after the signing of this Agreement without Party A’s
prior written consent;
	 
	 	2.1.4	 	Not to create, succeed to, guarantee or permit any liability,
without Party A’s prior written consent, except (i) the liability
arising from the usual or normal course of business, but not
arising from the loan; and (ii) the liability disclosed to Party A
and approved by Party A in writing;
	 
	 	2.1.5	 	To operate persistently all the business in the normal course of
business to maintain the value of Party C’s assets, and not to do
any act/omission affecting its operations and asset value;
	 
	 	2.1.6	 	Without the prior written consent of Party A, not to enter into any
material agreement, other than the agreements in the normal course
of business (for the purpose of this Agreement, an agreement will
be deemed material if its value exceeds One Hundred Thousand
Renminbi (RMB100,000);
	 
	 	2.1.7	 	Without the prior written consent of Party A, not to provide loan
or credit to any person;
	 
	 	2.1.8	 	To provide information concerning Party C’s operations and
financial condition at Party A’s request;
	 
	 	2.1.9	 	To purchase and maintain the insurance at the insurance company
acceptable to Party A, whose amount and type shall be the same as
those of the insurance normally procured by the companies engaged
in similar businesses and possessing similar properties or assets
in the area where Party C is located;
	 
	 	2.1.10	 	Not to be merged or consolidated with, acquire or invest in, any
other person without Party A’s prior written consent;
	 
	 	2.1.11	 	To inform promptly Party A of any existing or potential litigation,
arbitration or administrative proceedings concerning Party C’s
assets, business or income;
	 
	 	2.1.12	 	To execute all necessary or appropriate documents, to take all
necessary or appropriate actions and to bring all necessary or
appropriate claims or to make all necessary and appropriate
defenses against all claims in order for Party C to maintain the
ownership over all its assets;
	 
	 	2.1.13	 	Not to distribute dividends to Party C’s shareholders in any way
without Party A’s prior written consent. However, Party C shall
promptly distribute all or part of its distributable profits to
Party A’s shareholders upon Party A’s request;
	 
	 	2.1.14	 	At the request of Party A, to appoint any person
nominated by Party A as the director of Party C.

 

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	2.2	 	Undertakings by Party B
	 
	 	 	Party B hereby undertakes:

	 	2.2.1	 	Not to sell, transfer, pledge or otherwise dispose of, or cause any
other security interest to be created on, the legal or beneficial
interest in his Equity Interest at any time after the signing of
this Agreement without Party A’s prior written consent, but except
the right of pledge created on Party B’s Equity Interest in
accordance with the Equity Pledge Agreement;
	 
	 	2.2.2	 	Without Party A’s prior written consent, not to vote for or support
or execute at shareholders’ meetings of Party C any shareholders’
resolution approving the sale, transfer, mortgage or otherwise
disposal of, or causing any other security interest to be created
on, his legal or beneficial interest in the Equity Interest of Party
C, except to Party A or its Designee;
	 
	 	2.2.3	 	Without Party A’s prior written consent, not to vote for or support
or execute at shareholders’ meetings of Party C any resolution
approving Party C to be merged or consolidated with, acquire or
invest in, any person;
	 
	 	2.2.4	 	To irrevocably agree to the grant by Party C’s another shareholder,
Chunlin Wang, of an exclusive Call Option to Party A, and to
irrevocably waive his preemptive right to such Equity Interest to be
transferred by Chunlin Wang to Party A when Party A exercises its
Call Option;
	 
	 	2.2.5	 	To promptly inform Party A of any existing or potential litigation,
arbitration or administrative proceedings with respect to his Equity
Interest;
	 
	 	2.2.6	 	To cause the shareholders’ meeting of Party C to approve the
transfer of the Purchased Equity under this Agreement;
	 
	 	2.2.7	 	To execute all necessary or appropriate documents, to take all
necessary or appropriate actions and to bring all necessary or
appropriate claims or to make all necessary and appropriate defenses
against all claims in order to maintain the ownership over his
Equity Interest;
	 
	 	2.2.8	 	At Party A’s request, to appoint any person nominated by Party A as
the director of Party C;
	 
	 	2.2.9	 	To strictly comply with the provisions of this Agreement and other
agreements entered into jointly or severally by and among Party B,
Party C and Party A, to perform all obligations under these
agreements and not to do any act/omission that affects or impairs
the validity and enforceability of these agreements.

 

5

 

	3.	 	Representations and Warranties

As of the execution date of this Agreement and every transfer date, Party B and Party C hereby
represent and warrant to Party A as follows:

	 	3.1	 	They have the power to execute and deliver this Agreement and any
equity transfer agreement (each, a “Transfer Agreement”) to which they
are a party and which is entered into in respect of each transfer of
the Purchased Equity under this Agreement and to perform their
respective obligations under this Agreement and any Transfer
Agreement. Once executed, this Agreement and any Transfer Agreement to
which they are a party will constitute a legal, valid and binding
obligation and shall be enforceable against them in accordance with
the provisions thereof;
	 
	 	3.2	 	The execution, delivery and performance of this Agreement or any
Transfer Agreement and the performance of their respective obligations
under this Agreement or any Transfer Agreement shall not: (i) violate
any relevant PRC laws and regulations; (ii) conflict with their
Articles of Association or other organizational documents; (iii)
violate any contract or instrument to which they are a party or that
binds upon them; (iv) violate any permit or approval granted to them
and(or) any condition remaining in force; or (v) cause any permit or
approval granted to them to be suspended, cancelled or attached with
additional conditions;
	 
	 	3.3	 	Party C has good and saleable ownership over all assets. Party C has
not created any security interest on the above assets;
	 
	 	3.4	 	Party C has no outstanding debts, except (i) debts arising from its
normal course of business; and (ii) debts disclosed to Party A and
approved by Party A in writing;
	 
	 	3.5	 	Party C complies with all the PRC laws and regulations applicable to
the acquisition of assets;
	 
	 	3.6	 	Currently, there are no existing, pending or threatened litigation,
arbitration or administrative proceedings related to the Equity
Interest and Party C’s assets or Party C; and
	 
	 	3.7	 	Party B has good and saleable ownership over all his Equity Interest
and has not created any security interest on such Equity Interest, but
excluding the security interest under the Equity Pledge Agreement.

 

6

 

	4.	 	Assignment of this Agreement

	 	4.1	 	Party B and Party C shall not transfer any of their rights and
obligations under this Agreement to any third party without the prior
written consent of Party A.
	 
	 	4.2	 	Party B and Party C hereby agree that Party A shall have the right to
transfer all of its rights and obligations under this Agreement to
other third parties when necessary. Party A shall only be required to
serve written notice to Party B and Party C when such transfer is
made, and no consent shall be further required from Party B and Party
C in respect of such transfer.

	5.	 	Effectiveness and Term

	 	5.1	 	This Agreement shall become effective as of the date first above written.
	 
	 	5.2	 	The term of this Agreement shall be ten (10) years unless it is early
terminated in accordance with the provisions of this Agreement or the
relevant agreements separately signed by the Parties. The term of this
Agreement may be extended with the written confirmation of Party A
before its expiration. The extension thereof shall be agreed upon by the
Parties through negotiation.
	 
	 	5.3	 	If the operation term (including any extension thereof) of Party A or
Party C expires or either Party terminates for other reasons within the
term set forth in Article 5.2, this Agreement shall be terminated at the
time of the termination of such Party, unless Party A has transferred
its rights and obligations in accordance with Article 4.2 hereof.

	6.	 	Applicable Law and Dispute Resolution

	 	6.1	 	Applicable Law

The formation, validity, interpretation and performance of and settlement of disputes
under this Agreement shall be protected and governed by the laws of PRC.

	 	6.2	 	Dispute Resolution

Any dispute arising from the interpretation and performance of the provisions of this
Agreement shall be resolved by the Parties through amicable negotiation. In case no
resolution can be reached by the Parties within thirty (30) days after either party makes
a request for dispute resolution through negotiation, either party may refer such dispute
to China International Economic and Trade Arbitration Commission for arbitration in
accordance with its arbitration rules then in effect. The seat of arbitration shall be
Shenzhen and the language of proceedings shall be Chinese. The arbitral award shall be
final and binding upon the Parties.

	7.	 	Taxes and Expenses

Every Party shall bear any and all transfer and registration taxes, expenses and charges
incurred by or levied on it in accordance with the PRC laws in connection with the
preparation and execution of this Agreement and each Transfer Agreement, and the
consummation of the transactions contemplated under this Agreement and each Transfer
Agreement.

 

7

 

	8.	 	Notices

Any notice or other communications required to be given by either party pursuant to this
Agreement shall be written in English or Chinese and delivered to the following address of
the other Party by hand delivery, mail or facsimile. Such notice shall be deemed to be duly
served: (a) if by hand delivery, on the date of delivery; (b) if by mail, on the tenth
(10th) day after the date of posting (as indicated on the postmark) of air
registered mail (postage prepaid), or if by courier service, on the fourth (4th)
day after being delivered to an internationally recognized courier service; or (c) if by fax,
at the receiving time as indicated in the transmission confirmation of the relevant document.

	9.	 	Confidentiality

The Parties agree and acknowledge that any oral or written information exchanged between them
in connection with this Agreement shall be confidential information. Each Party shall keep
confidential all such information, and shall not disclose any of the information to any third
party without the prior written consent of the other Party, except for the following:

	 	(a)	 	the information that is or will be known to the public
(provided that it is not disclosed to the public
without authorization by the information receiving
party);
	 
	 	(b)	 	the information required to be disclosed by applicable
laws or stock exchange’s rules or regulations; or
	 
	 	(c)	 	the information required to be disclosed by either
Party to his/its legal or financial advisors with
respect to the transaction contemplated under this
Agreement, for which such legal or financial advisors
shall also comply with the confidentiality obligations
similar to those stated in this Article. Any divulgence
of confidential information by any personnel of either
Party or any institutions engaged by him/it shall be
deemed as the divulgence of confidential information by
such Party, and such Party shall be liable for the
breach pursuant to this Agreement. This article shall
survive regardless of whether this Agreement is
invalid, discharged, terminated or cannot be operated
due to any reason.

	10.	 	Further Assurance

The Parties agree to promptly execute the documents reasonably required to perform the
provisions and the aim of this Agreement or beneficial to it, and to take the further actions
reasonably required to perform the provisions and the aim of this Agreement or beneficial to
it.

	11.	 	Miscellaneous

	 	11.1	 	Amendment, Modification and Supplement

The Parties may make amendments or supplements to this Agreement by written agreement.
All amendment agreements and supplemental agreements to this Agreement that are duly
signed by the Parties shall form an integral part of this Agreement, and shall have the
same legal effect as this Agreement.

 

8

 

	 	11.2	 	Integrity of this Agreement

The Parties acknowledge that once this Agreement becomes effective, it shall constitute
the entire agreement and understanding between the Parties with respect to the subject
matter hereof and supersedes all prior oral and/or written agreements and
understandings reached by the Parties with respect to the subject matter hereof.

	 	11.3	 	Severability of this Agreement

If any provision or provisions of this Agreement is/are held to be invalid, illegal or
unenforceable in any respect in accordance with any laws or regulations, the validity,
legality and enforceability of the other provisions hereof shall not be affected or
impaired in any respect. The Parties shall, through amicable negotiation, strive to
replace those invalid, illegal or unenforceable provision or provisions with valid
provision or provisions, and the economic effect of such valid provision or provisions
shall be as close as possible to the economic effect of those invalid, illegal or
unenforceable provision or provisions.

	 	11.4	 	Headings

The headings of this Agreement are for convenience of reference only and shall not be
used to interpret, explain or otherwise affect the meanings of the provisions of this
Agreement.

	 	11.5	 	Language and Counterparts

This Agreement is executed in Chinese in four (4) originals and each Party shall hold
one original. All of them shall have the same legal effect.

	 	11.6	 	Successors

This Agreement shall be binding upon and inure to the interest of the respective
successors or heirs of the Parties and the permitted assignees of such Parties.

	 	11.7	 	Survival

Any obligations that occur or are due as a result of this Agreement before the
expiration or early termination of this Agreement shall survive the expiration or early
termination hereof. The provisions of Articles 6, 8 and 9 and this Article 11.7 hereof
shall survive the termination of this Agreement.

 

9

 

	 	11.8	 	Waiver

Any Party may waive the terms and conditions of this Agreement, provided that such a
waiver must be provided in writing and shall require the signatures of the Parties. No
waiver by any Party in certain circumstances with respect to a breach by the other
Parties shall operate as a waiver by such Party with respect to any similar breach by
the other Parties in other circumstances.

[No Text Below]

 

10

 

[The remainder of this page is intentionally left blank]

IN WITNESS WHEREOF, each Party has caused this Agreement to be executed by his/its legal
representatives or duly authorized representative or himself/itself as of the date first above
written.

	 	 	 	 	 
	Party A: Ying Si Kang Information Technology (Shenzhen) Co., Ltd.
	 	 	 	 
	Legal Representative/Authorized Representative:

	 	/s/ Yuan Tian
 

	 	 
	Chop: [Chop affixed]
	 	 	 	 

	 	 	 	 	 
	Party B:

	 	Yuan Tian	 	 
	Signature:

	 	/s/ Yuan Tian
 

	 	 

	 	 	 	 	 
	Party C: Shenzhen Xinbao Investment Management Co., Ltd.
	 	 	 	 
	Legal Representative/Authorized Representative:

	 	/s/ Yuan Tian
 

	 	 
	Chop: [Chop affixed]
	 	 	 	 

 

11

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