Document:

Exhibit 10.20

 

Shaanxi Xiaoying Financing Guarantee Co., Ltd

Loan Guarantee

 

No.: XY-BH—No.

 

Sancaijia Technology Co., Ltd.:

 

In view of the loan agreement
signed between your company and Houlaicun Commercial Operation Management (Xi’an) Co., Ltd. (hereinafter referred to as “the
borrower”) for the loan of RMB 20 million, at the application of the borrower, our company voluntarily provides you with the following
guarantee for the loan of RMB 20 million:

 

		1.	Scope and amount of guarantee

 

The guarantee scope of our
company covers the principal and interest of RMB 20 million borrowed by the borrower from your company, as well as any liquidation damages
and other expenses that the borrower shall bear if the borrower fails to adhere to the contract.

 

		2.	Guarantee mode and guarantee period

 

		(1)	Our company guarantees in the following ways:

 

If the borrower fails to pay off the loan under
the loan agreement on time, the company shall bear joint and several guarantee liability and directly compensate all debts to your company.

 

		(2)	Our guarantee period of limitation is two years after the
expiration of the loan period..

 

If your company and the borrower
agree to change the loan date agreed in the agreement, the warranty period shall be adjusted accordingly to match the changed date.

 

		3.	Compensatory arrangements

 

If your company requires us
to assume the guarantee liability, you shall send a written notice of claim to our company. The notice of claim shall specify the amount
of claim and the account number to which the payment should be made.

 

Within 5 days of receiving
the written notice of claim and the corresponding guarantee documents from your company, we will accept the guarantee liability.

 

		4.	Effectiveness of guarantee

 

This guarantee shall come into
force from the date when it is affixed with the official seal of the company and provided to your company.

 

Guarantor: Shaanxi Xiaoying Financing Guarantee
Co., Ltd

Legal representative (or authorized agent): Gao,
XiangDong (sealed)

Date: October 8, 2021Exhibit 10.21

 

Supplementary Agreement to Loan Agreement

 

Lender (Party A): Sancaijia Technology Co., Ltd.

Social Credit No:

Address: Room 403, Sancai building, No. 6, Fengcheng
Second Road, Economic Development Zone, Xi’an, Shaanxi

 

Borrower (Party B): Houlaicun Commercial Operation
Management (Xi’an) Co., Ltd.

Social Credit No:

Address: No. 1D301-0924, XieTong building, No.
12, Gaoxin Second Road, High Tech Zone, Xi’an, Shaanxi

 

Guarantor (Party C): Shaanxi Xiaoying Financing
Guarantee Co., Ltd.

Social Credit No:

Address: Room B16, phase 1, Business center, No.
1 Chanba Avenue, Baqiao District, Xi’an, Shaanxi Province

Party A and Party B signed
the loan agreement (hereinafter referred to as the original agreement) on October 8, 2021. According to the original agreement, Party
A lends Party B RMB 20000000.00 (in words: RMB 20 million), and the loan term is from October 8, 2021 to December 31, 2021.

 

Since mid-December, the city
of Xi’an, where the production and operation of the two parties are located, has been locked down due to COVID-19. As of the date of the
signing of this supplementary agreement, the Xi’an municipal government has not yet specified the date of the lifting of the lockdown.
In view of these special circumstances, Party A and Party B agree to extend the loan term of the original agreement to March 31, 2022,
with the loan interest rate unchanged and the guarantee method of the guarantor unchanged.

 

This supplementary agreement
was signed on December 31, 2021. Except for the contents updated above, the other terms of the original agreement remain valid.

(no text below)

 

Party A (lender): Sancaijia Technology Co., Ltd.
(sealed)

Legal representative: Wen, Ning (signed)

 

Party B (borrower): Houlaicun Commercial Operation
Management (Xi’an) Co., Ltd. (sealed)

Legal representative: Li,HuiQiao (signed)

 

Party C (guarantor): Shaanxi Xiaoying Financing
Guarantee Co., Ltd. (sealed)

Legal representative: Gao,XiangDongExhibit 10.22

 

Framework agreement on providing working capital

 

Party A: Wen, Ning

Party B: Sancaijia Co., Ltd

 

Party A holds 63% of the voting
shares of Party B and is the actual controlling shareholder and ultimate beneficiary of Party B.

 

In order to meet the daily
production and operational needs of Party B (including its subsidiaries,), Party A agrees to provide Party B with an interest- free working
capital loan. The specific amount is subject to the working capital needs of Party B.

 

The loan provided by Party
A shall be used for daily production and operations, and shall not be used for the purchase of fixed assets such as real estate, other
investments, third-party loans and other purposes.

 

When Party B has an operating
surplus, it shall give priority to repaying the working capital to Party A.

 

If both parties agree to change
the use of capital through negotiation, a separate agreement shall be signed.

 

This framework agreement will
take force on October 1, 2020. Two copies, one for each party will be signed with the same legal effect.

 

Party A : WenNing (signed)

Party B : Sancaijia Co., Ltd (sealed)Exhibit 10.23

  

Software Development Agreement

 

Party A: Caibaoyun Settlement Technology (Xi’an)
Co., Ltd.

Party B: Xi'an RenLieRen Information Technology Service
Co., Ltd.

Signing date: Ocotber 21, 2020

 

Party A: Caibaoyun Settlement Technology (Xi’an)
Co., Ltd.

Address:

contacts: Wen, Ning

contact number:

 

Party B: Xi'an RenLieRen Information Technology Service
Co., Ltd.

Address:

contacts: Yang, Bin

contact number:

 

As Party A has a large software
development business and Party B has strong technical personnel, through negotiation, Party A and Party B reached the following terms
on the model for strategic cooperation for software development in accordance with the “Summary Provisions of the Civil Law of the
People's Republic of China”, the “General Principles of the Civil Law of the People's Republic of China” and the “Contract
Law of the People's Republic of China”.

 

I. Cooperation Period

12 months from the date of signing this agreement

 

II. Software Development Service and Price

1. The name, function and price of the specific development
of an individual project shall be based on the "development task list" signed by Party A and Party B. After Party B completes
the development task, Party A or the customer designated by Party A signs the "development task delivery list" upon acceptance.
After the system is delivered, Party B provides an invoice to Party A and Party A pays the programming fee to Party B within 15 working
days from the date when Party A receives the invoice.

 

2. The maintenance of the system shall be managed
by Party A. The income and cost generated by maintaining the system has nothing to do with Party B.

III. Product Service Agreement

1. Ownership

1 Party B promises that the system is developed
by Party B, guarantees the legitimacy of the software content, and is responsible for solving any copyright disputes resulting from the
software development.

2 The intellectual property rights belong to
Party A.

 

    

     

    

 

2. Rights and obligations

1 Party A owns all product descriptions, pictures,
data, etc. in its system, and organizes and manages the contents in accordance with the laws and regulations of the people's Republic
of China. Party B shall not be responsible for the information published by Party A on any deployed system or website.

2 During Party A's use of the software, Party
A independently owns the copyright and intellectual property rights of the software regardless of whether or not the code is changed no
matter how large the change. Other rights not mentioned in this contract shall be reserved by Party A.

3 Party B shall not redevelop, lease, sell,
mortgage or issue sub licenses to the software system entrusted by Party A, and shall not copy, disclose or authorize its use to any third
party, including but not limited to Party A's affiliated companies or designated companies. The software system development authorization
and the software system itself shall not be provided to any third party in any way, including but not limited to Party A's affiliated
companies or designated companies. Party B shall bear the liability for compensation if it does so.

 

IV. Confidentiality clause

1. Party A and Party B shall keep each others party's
technical secrets, trade secrets, contracts, technical materials, written materials, drawings, notes, reports, chat records of internet
communications, e-mail, fax and other information in any form confidential and shall not disclose the relevant contents directly or indirectly
to any third party in any form, Including but not limited to their respective affiliates.

2. The following circumstances are not considered
in violation of the confidentiality agreement:

1 Disclosure required by relevant laws and regulations
or by government departments, stock exchanges, courts, public security organizations or other authorities;

2 Disclosure to the legal, financial, commercial
or other advisers of either parties;

3 The confidential information was obtained
properly ;

4 Information obtained from a third party, with
proper authority, without confidentiality obligations;

5 Publicly available information.

3. The confidentiality clause remains valid even if
the contract is made invalid, cancelled, terminated early, or no longer operates.

4. The confidentiality period agreed in this contract
shall be from the effective date of this contract until two years after the termination of this contract.

 

V. Rights and Obligations of Both Parties and Liabilities
for Breach of the Agreement

1. Party A shall ensure that it is a legal business
entity, and shall not use the products and services provided by Party B to engage in any illegal business. If during the performance of
this Agreement, Party B finds that Party A's businesses using the purchased system are suspected of a violation of laws and regulations,
Party B has the right to immediately suspend the Agreement until the violation of laws and regulations cease, or immediately terminate
this Agreement and refund the remaining advance payment.

 

    

     

    

 

2. Party B confirms that it has fully read and understood
all terms and contents of the Agreement. All terms in this Agreement are the result of consensus between Party A and Party B. If Party
B's service is not timely or professional, Party A will not bear any legal liability. If Party B’s actions cause any loss to Party
A, Party A has the right to immediately suspend the Agreement or immediately terminate this Agreement and require Party B to return the
remaining advance payment.

3. Due to the nature of the software development business,
both parties agree that there will be no refunds after signing the "system delivery list".

4. Due to the nature of software products, some errors
and problems cannot be completely avoided in the process of design and development. Party B will solve these errors and problems through
software upgrades, but Party B shall not be responsible for the problems caused by software errors unintentionally. Party B shall be liable
for compensation if Party A's losses are caused by malicious code destruction and any back doors in the factory development authorization
of the deployed system.

5. If the software provided by Party B to Party A
is accused of an infringement by a third party, Party B shall be responsible for managing and will bear all expenses in that process.

6. If Party A fails to make payment at the agreed
time, Party A shall pay damages for the delayed payment to Party B at 0.1% of the total amount of the Agreement. If it is overdue for
more than 15 days and / or Party A fails to fully adhere to the Agreement without justified reasons, Party B has the right to unilaterally
terminate the Agreement, and the losses caused thereby will be borne by Party A.

7. If Party B violates the agreement without justified
reasons and fails to fully perform the Agreement, it shall pay liquidated damages for delayed performance to Party A at 0.1% of the total
Agreement amount. If it is overdue for more than 15 days, Party A has the right to unilaterally terminate the Agreement , and the losses
caused thereby will be borne by Party B.

 

VI. Contract Related Description

1. The interpretation, performance and dispute resolution
of this Agreement shall be governed by Chinese laws and administrative regulations.

2. This Agreement shall be legally binding upon signing,
and shall not be altered or terminated unless agreed by both parties in this Agreement.

3. This Agreement is a general contract, and the standards
of the specific products and services will be specified in the annexes to the Agreement. All appendices and annexes are an integral part
of this contract and have the same legal effect as this Agreement. Without the prior written consent of the other party, neither party
shall publish or disclose any terms of this Agreement.

4. Unless otherwise agreed in the Agreement, if both
parties want to change the Agreement, they shall negotiate and sign a supplementary agreement with the official seals of both parties.

5. This Agreement is made in duplicate, which shall
come into force after being signed and sealed by both parties. Each party holds one copy, both of which have the same legal effect.

6. Disputes arising under this Agreement shall be
settled by both parties through negotiation or they can apply for mediation. If the negotiation or mediation fails, the dispute shall
be submitted to the Arbitration Commission where Party B is located for arbitration.

 

    

     

    

 

7. During the period before the dispute is settled,
both parties shall continue to perform their duties under the provisions of the Agreement except for the items in dispute.

8. In this Agreement, written form means that any
form has the same legal standing as the original Agreement, including a scanned copy, copy, data message (including telex, fax, electronic
data exchange and e-mail) and both parties agree that a fax, scanned copy, copy and data message has the same legal effect.

9. Exemption from force majeure. Force Majeure specified
in this contract includes:

1 Earthquake, typhoon, flood and other natural
disasters;

2 War, strike, power failure, government action;

3 The telecommunication lines are damaged or
the system is interrupted because of the failure, testing and capacity expansion of the equipment or lines that do not belong to Party
B;

4 Hacker attacks and other factors not caused
by Party B are force majeure.

When Party B is unable to fully perform its obligations
under the Agreement due to the above force majeure reasons, Party A hereby confirms that Party B will not be held liable for breach of
the Agreement for failing to provide Party A with relevant services under the Agreement in any way.

10. In case of any matters not covered in this Agreement,
both parties shall negotiate in good faith .

 

 

[no text below]

Party A: Caibaoyun Settlement Technology (Xi’an)
Co., Ltd. (sealed)

Legal Representative: Wen, Ning (signed)

 

Party B: Xi'an RenLieRen Information Technology Service
Co., Ltd. (sealed)

Legal Representative: Yang, Bin (signed)

 

Signing date: October 21, 2020

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00340-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00340-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00340-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00340-of-00352.parquet"}]]