Document:

Exhibit 4.46

 

Agreement

 

on

 

Transfer of Equity in

 

Ganzhou Jimu Small Loan Co., Ltd.

 

between

 

Beijing Lerong Duoyuan Information Technology Co., Ltd.

 

and

 

Shanghai Anquying Technology Co., Ltd.

 

March 18, 2019

 

 

Equity Transfer Agreement

 

This Equity Transfer Agreement (“this Agreement”) is executed in Beijing on March 18, 2019 by and between:

 

Transferor:

 

Beijing Lerong Duoyuan Information Technology Co., Ltd., a limited liability company incorporated under the laws of the PRC (“Beijing Lerong” or “Transferor”); and

 

Transferee:

 

Shanghai Anquying Technology Co., Ltd., a limited liability company incorporated under the laws of the PRC (“Shanghai Anquying” or “Transferee”);

 

The Transferor and the Transferee are collectively referred to as “both Parties”.

 

WHEREAS:

 

1. Ganzhou Jimu Small Loan Co., Ltd. (the “Company”) is a limited liability company incorporated in Ganzhou under the laws of the PRC, with a registered capital of RMB 200 million, 100% of which is held by Beijing Lerong; and

 

2. In accordance with the terms and conditions of this Agreement, Beijing Lerong agrees to transfer its 100% equity in the Company (“Underlying Equity”) to Shanghai Anquying, and Shanghai Anquying agrees to purchase the Underlying Equity from Beijing Lerong.

 

On the principle of equality and mutual benefit and through friendly negotiation, the Parties hereto agree as follows:

 

Article 1 Equity Transfer

 

1. Beijing Lerong intends to transfer its 100% equity in the Company to Shanghai Anquying, and the equity transfer price is RMB 230 million (say CNY TWO HUNDRED AND THIRTY MILLION ONLY)(“Total Equity Transfer Price”).

 

2. After the equity transfer is completed, the Company’s shareholding structure is as follows

 

	
Shareholder name
    	
 
    	
Contribution amount (in
   RMB’0,000)
    	
 
    	
Contribution percentage (%)
    
	
Shanghai Anquying Technology Co., Ltd.
    	
 
    	
20000
    	
 
    	
100
    
	
Total
    	
 
    	
20000
    	
 
    	
100
    

 

 

Article 2 Payment and Relevant Arrangement

 

1. The Parties shall otherwise negotiate the specific payment time and amount.

 

2. Transferor and Transferee unanimously agree that Transferee completes fulfilling all of its Equity Transfer Price payment obligations under this Agreement so long as it completes paying the Equity Transfer Price according to the payment arrangement otherwise agreed by both Parties.

 

Article 3 Industrial and Commercial Change and Filing

 

1. Transferor and Transferee shall complete the industrial and commercial change registration formalities for this equity transfer within 20 business days after the execution of this Agreement, and both Parties shall endeavor to cooperate with each other and provide relevant information.

 

2. From the date of completing the industrial and commercial change registration for the equity transfer, Shanghai Anquying shall take the rights and obligations related to all assets and liabilities of the Company.

 

Article 4 Representations and Warranties of Transferor

 

With respect to the following matters, Transferor makes the following representations and warranties to Shanghai Anquying, and warrants that the following representations and warranties are true, accurate and complete prior to the date hereof:

 

1. The Company is a limited company legally incorporated and validly existing under the laws of its place of registration. Transferor is a legal holder of the Underlying Equity.

 

2. Transferor acts at arm’s length and has full rights and authority to sign and perform this Agreement and complete the transactions under this Agreement. Transferor shall have been legally and effectively authorized for acts taken on this Agreement and all transactions under this Agreement. This Agreement constitutes legal, effective and binding obligations on the Transferor.

 

3. Signature and performance of this Agreement are in no way contradictory to the existing articles of association of the Company, or the laws and regulations applicable to Transferor, or any administrative order of the government department, or other contracts or legal documents entered to which Transferor is a party.

 

4. Before completion of the industrial and commercial change registration for equity transfer, Beijing Lerong as a shareholder holding 100% of the Company’s equity shall assume all shareholder responsibilities for the Company’s operation risks, liabilities in accordance with the provisions of the Company Law; Unless otherwise specified herein, after completion of the industrial and commercial change registration for equity transfer, Shanghai Anquying shall assume shareholder responsibilities and enjoy shareholder rights in proportion to its shareholding percentage in accordance with the Company Law.

 

5. Shanghai Anquying shall be exempted from undertaking any obligations, liabilities or losses arising from the Company’s illegalities or default (including but not limited to violation of regulatory rules or industrial and commercial tax or labor rules) and the Company’s debts and liabilities that occur before the date of industrial and commercial change registration for this equity transfer (the illegalities and default, and the debts and liabilities are collectively referred to as “Liability Before the Date of Industrial and Commercial Change Registration”). Beijing Lerong undertakes that Beijing Lerong shall indemnify and hold harmless the Company against any obligations, liabilities or losses arising from such Liability.

 

 

Article 5 Representations and Warranties of Shanghai Anquying

 

With respect to the following matters, Shanghai Anquying makes the following representations and warranties to Beijing Lerong, and warrants that the following representations and warranties are true, accurate and complete prior to the date hereof and during the period from the date hereof to the payment date:

 

1. Shanghai Anquying is a limited company legally incorporated and validly existing under the laws of its place of registration.

 

2. Shanghai Anquying acts at arm’s length and has full rights and authority to sign and perform this Agreement and complete the transactions under this Agreement. Shanghai Anquying has been legally and effectively authorized for the signing of this Agreement. This Agreement constitutes legal, effective and binding obligations on Shanghai Anquying.

 

3. Shanghai Anquying shall provide necessary documents and take necessary measures to assist the Company in obtaining all government approvals, consents, permits, registrations and filings as required in this Agreement or required for the purpose of fully performing this Agreement.

 

Article 6 Taxes

 

The Parties hereto shall, according to law, bear their own taxes (such as income tax and stamp tax) related to this equity transfer.

 

Article 7 Dissolution and Termination

 

1. This Agreement may be dissolved if any of the following events occurs:

 

(1) The Parties hereto agree in writing to dissolve this Agreement.

 

(2) A statutory force majeure event has occurred, which prevents the Parties from fulfilling this Agreement or achieving the purposes of this Agreement.

 

(3) If Transferor seriously violates any of its representations or warranties made in Article 4 hereof or any of such representations or warranties is false, Shanghai Anquying may terminate this Agreement unilaterally by sending a written notice.

 

(4) If Shanghai Anquying seriously violates any of its representations or warranties made in Article 5 hereof or any of such representations or warranties is false, Beijing Lerong may terminate this Agreement by sending a written notice.

 

2. Effectiveness of dissolution and termination:

 

(1) Upon dissolution or termination of this Agreement in accordance with any of the above clauses, the rights and obligations under this Agreement shall be terminated.

 

 

(2) After the dissolution or termination of this Agreement, the Parties hereto shall, on a fair, reasonable and bona fide basis, return the considerations received from the counterparty under this Agreement, transfer back the equity received under this Agreement, and restore the status that exists before the signing of this Agreement.

 

(3) If, due to Transferor’s reasons, the Company fails to complete the industrial and commercial change registration for this equity transfer within 20 business days, or any purpose of this Agreement is otherwise unachievable, or Beijing Lerong violates Article 2 of this Agreement, then Shanghai Anquying may terminate this Agreement unilaterally. In addition, Beijing Lerong shall bear the direct economic losses (if any) thereby caused to Shanghai Anquying.

 

(4) If, due to Transferee’s reasons, the Company fails to complete the industrial and commercial change registration for this equity transfer within 20 business days, or any purpose of this Agreement is otherwise unachievable, or Shanghai Anquying violates Article 2 of this Agreement, then Beijing Lerong may terminate this Agreement unilaterally. In addition, Shanghai Anquying shall bear the direct economic losses (if any) thereby caused to Beijing Lerong.

 

(5) Upon dissolution or termination of this Agreement, all rights and obligations of the Parties under this Agreement shall terminate unless otherwise specified herein; and no Party shall have the right to lodge any claim against the other Party under this Agreement or with respect to the dissolution of this Agreement, except for the liability that shall be borne under sections (3) and (4) of paragraph 2 in Article 7 hereof.

 

Article 8 Confidentiality

 

1. Except as otherwise specified in this Agreement, the Parties hereto shall make their best efforts to keep strict confidentiality of any technical or commercial information in any form obtained from the other Party in the course of performing this Agreement (“Confidential Information”), including any content of this Agreement and any other potential cooperation matters and transactions between the Parties. Any Party shall limit its employees, agents, subcontractors, suppliers, and the like in obtaining such information, and allow them to obtain such information only as necessary for duly performing the obligations under this Agreement.

 

2. The Party that obtains the Confidential Information shall not conduct any transactions of assets, shares, or securities in relation to the other Party or any affiliate of the other Party by exploiting the information that it knows about the other Party or exploiting the information not disclosed publicly by the other Party.

 

3. The foregoing limitation does not apply:

 

(1) to the information that is already available to the public when being disclosed;

 

(2) to the information that is already available to the public after disclosure through no fault of the recipient of the information;

 

(3) to the information which, as provable by the recipient, is already held by the recipient before disclosure without being obtained directly or indirectly from the other Party; or

 

(4) when any Party is obligated to disclose such Confidential Information to the relevant government department, stock exchange, or the like as required by governmental laws or regulations or stock exchange rules, or when any Party discloses such Confidential Information to its direct legal counsel and financial adviser as required by its normal business operations.

 

 

4. Any party to this Agreement shall procure its directors, executives, and other employees as well as the directors, executives, other employees of its affiliates to observe confidentiality obligations.

 

Article 9 Liability for Default and Indemnity

 

Any Party in violation of this Agreement shall compensate the other Party for all actual direct losses caused by such violation. The breaching Party shall indemnify and hold harmless the non-breaching Party and its successors, affiliates and representatives (collectively, “Indemnified Party”) against (a) violation of any representations or warranties made by the breaching Party in this Agreement or false statement of such representations or warranties; and (b) the breaching Party’s violation of or failure to fully perform its commitments, agreements, warranties or obligations under this Agreement, except as exempted by the other Party in writing. The breaching Party shall be liable for the losses directly suffered by the Indemnified Party therefrom (including investigation expenses, defense expenses and reasonable attorneys’ fees).

 

Article 10 Governing Law and Dispute Settlement

 

1. Governing Law: This Agreement shall be governed by the laws of the People’s Republic of China.

 

2. Dispute settlement: Any dispute arising out or in connection with this Agreement shall be settled through friendly negotiation between the Parties. If the negotiation fails, any Party shall have the right to refer the dispute to the Chaoyang District People’s Court in Beijing for being settled through a lawsuit.

 

Article 11 Mail Address and Service of Notices

 

Beijing Lerong:

 

Communication address: A501-505, 5th Floor, Block AB, Yuanyang Guanghua International, No. 10 Jintong West Road, Chaoyang District, Beijing

 

Contact: HUANG Yingkai

 

Shanghai Anquying

 

Communication address: PINTEC, 2nd Floor, East Gate, Yingke Center, A2 Workers’ Stadium North Road, Chaoyang District, Beijing

 

Contact: WANG Peicheng

 

The address of a Party specified above is intended for receiving the documents under this Agreement from the other Party. If the address of a Party changes, the Party shall notify the other Party immediately of a new address for receiving mails. If a Party mails to the other Party a document that is addressed to the above address but fails to be received due to change of the address of the other Party, then within 3 days after the date of mailing the document, the document shall be deemed to have been served and the other Party shall be deemed to have been informed.

 

 

Article 12 Miscellaneous

 

1. Any amendments to this Agreement shall be made by way of a written agreement signed by duly authorized representatives of the Parties, and shall constitute an integral part of this Agreement.

 

2. The headings contained in this Agreement are for reference only without any effect on the meaning or interpretation of this Agreement.

 

3. If, in accordance with any relevant law, any one or more of the provisions of this Agreement or any one or more of other legal documents pertaining to this equity transfer are found to be invalid, illegal or unenforceable, then:

 

(1) the effect, legality and enforceability of other provisions of this Agreement shall be fully effective without being prejudiced or impeded; and other agreements pertaining to this equity transfer than the agreements that are found to be invalid, illegal or unenforceable shall be fully effective, legal and enforceable without being prejudiced or impeded;

 

(2) the Parties shall promptly replace the invalid, illegal or unenforceable provisions or agreements with legal, valid and enforceable provisions or agreements that express the intention closest to the intention of the invalid, illegal or unenforceable provisions or agreements.

 

4. This Agreement is made in four counterparts, and each Party holds two counterparts.

 

5. This Agreement shall become effective upon signing by the legal representatives or legally authorized representatives of the Parties and upon official sealing by the Parties.

 

(The remainder of this page is intentionally left blank, and is followed by a signature page)

 

 

[This page is intentionally left blank and is a signature page of the Equity Transfer Agreement]

 

Transferor:

 

Beijing Lerong Duoyuan Information Technology Co., Ltd. (official seal)

 

 

	
 
    	

    	
 
    
	
Legal representative:
    	
 
    	
 
    

 

 

Transferee:

 

Shanghai Anquying Technology Co., Ltd. (official seal)

 

 

	
 
    	

    	
 
    
	
Legal representative:Exhibit 4.47

 

No:                            PT-JM-20190001

 

Loan Agreement

 

This loan agreement (hereinafter referred as the “Loan Agreement”) dated as of July 19, 2019 and executed in Chaoyang District, Beijing, is entered into by and between:

 

Shanghai Anquying Technology Co., Ltd. (hereinafter referred as the “Lender” or “Party A”)

Address: Room 309B, No. 89, Yunling East Road, Putuo District, Shanghai, China

 

Beijing LeRong Duoyuan Information Technology Co., Ltd. (hereinafter referred as the “Borrower” or “Party B”)

Address: 501, 5/F, Unit 1, No. 10 West Jintong Road, Chaoyang District, Beijing

 

Sky City (Beijing) Technology Co., Ltd.

Address: Room 3009, 3 F, Podium to Bowang Garden, Yangfangdian, Haidian District, Beijing

 

Shenzhen Qianhai Minheng Commercial Factoring Co., Ltd.

Address: Room 201, Building A, No. 1 Qianwan 1st Road, Qianhai SZ-HK Cooperation Zone, Shenzhen (registered with Shenzhen Qianhai Business Secretary Co., Ltd.)

 

Pintec (Beijing) Technology Co., Ltd.

Address: Room 2025, 2 F, Podium to Bowang Garden, Yangfangdian, Haidian District, Beijing

 

Lerong Duoyuan (Beijing) Technology Co., Ltd.

Address: 806, 8/F, Building 4#, Yard 18, Suzhou Street, Haidian District, Beijing

 

Jianianhua (Tianjin) Information Technology Co., Ltd. (formerly known as “Xuancheng Tuo’an (Tianjin) Business Management and Consulting Co., Ltd.”)

Address: Room 255-14 (Centralized Office Zone), Building 13, No. 2,Hongwang  Jingjin E-commerce Industrial Park, Wuqing District, Tianjing, China

 

Whereas, as the date of this Loan Agreement, Party A and its affiliates (Sky City (Beijing) Technology Co., Ltd., Shenzhen Qianhai Minheng Commercial Factoring Co., Ltd. and Pintec (Beijing) Technology Co., Ltd.) and Party B and its affiliates (Lerong Duoyuan (Beijing) Technology Co., Ltd. and Jianianhua (Tianjin) Information Technology Co., Ltd.) enjoy account receivables from the other party, and owe account payables to the other party, through friendly consultation, each party enters into this Loan Agreement and agrees as follows:

 

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1.                  Loan

 

1.1                     As of the date December 31, 2018, the outstanding principal provided by the loans from Sky City (Beijing) Technology Co., Ltd. to Lerong Duoyuan (Beijing) Technology Co., Ltd is one billion thirty-nine million two hundred thirty-seven thousand and nine yuan (RMB 1,039,237,009.00) in total; the outstanding principal provided by the loans from Shenzhen Qianhai Minheng Business Factoring Co., Ltd. to Party B (Beijing LeRong Duoyuan Information Technology Co., Ltd.) is forty-one million one hundred forty-eight thousand eight hundred and thirty yuan (RMB41,148,830.00 in total; and the outstanding principal provided by the loans from Lerong Duoyuan (Beijing) Technology Co., Ltd. to Pintec (Beijing) Technology Co., Ltd is one million one hundred ninety-eight thousand six hundred and thirty-three yuan (RMB1,198,633.00) in total.

 

1.2                     As the date of December 31, 2018, the outstanding loan payable by Party A (Shanghai Anquying Technology Co., Ltd.) to Lerong Duoyuan (Beijing) Technology Co., Ltd. is seven hundred eighty-three million four hundred seventy-five thousand nine hundred and nineteen yuan (RMB783,475,919.00) in total; the outstanding loan payable by Party A (Shanghai Anquying Technology Co., Ltd.) to Party B (Beijing LeRong Duoyuan Information Technology Co., Ltd.) is three million one hundred sixty-three thousand seven hundred and fifty-seven yuan (RMB3,163,757.00) in total; the outstanding loan payable by Sky City (Beijing) Technology Co., Ltd. to Party B (Beijing LeRong Duoyuan Information Technology Co., Ltd.) is four thousand five hundred and fifty yuan (RMB4,550.00) in total;the outstanding loan payable by Sky City (Beijing) Technology Co., Ltd. to Jianianhua (Tianjin) Information Technology Co., Ltd.is ten thousand four hundred and thirty-six yuan (RMB10,436.00) in total.

 

1.3                     Each party agrees to transfer all the receivables from Party B and its affiliates held by Party A’s affiliates to Party A and all the payables to Party B and its affiliates borne by Party A’s affiliates to Party A; and to transfer all the receivables from Party A and its affiliates held by Party B’s affiliates to Party B and all the payables to Party A and its affiliates borne by Party B’s affiliates to Party B. The same amount of payables and receivables between Party A and Party B shall be offset against each other, i.e., 1,039,237,009.00 + 41,148,830.00 + 1,198,633.00 – 783,475,919.00 – 3,163,757.00 – 4,550.00 – 10,436.00 = 294,929,810.00. Therefore, as of December 31, 2018, the outstanding principal provided by the loans from Party A to Party B is two hundred ninety-four million nine hundred twenty-nine thousand eight hundred and ten yuan (RMB294,929,810.00).

 

1.4                     The loan pursuant to this Loan Agreement will mature on January 31, 2022.

 

1.5                     Each party agrees that for the period from April 1, 2018 to December 31, 2018, the principal and the corresponding interest shall be calculated following the rules below:

 

(1)                                 Following the rules set out under clause 1.1 to 1.3 to calculate the outstanding principal amount of the loan provided by Party A to Party B at the date preceding the first day of each quarter of the calendar year (namely, March 31, 2018, June 30, 2018, and September 30, 2018);

 

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(2)                                 Such outstanding principal amount shall be deemed as the principal for the coming quarter, with the annual interest at 11% to calculate the interest for such quarter.

 

1.6                     From January 1, 2019, the interest will be calculated based on the principal set forth in clause 1.3 and an 11% annual interest rate (daily rate = annual rate / 365). If large repayments, new loans or other agreed matters affecting the interest calculation basis occur during the interest-bearing period, Party A and Party B may, in the form of signing a supplementary agreement, re-identify the balance of the loan (the “subsequent loan”) as of the last day of the month in which any of the above-mentioned events occur. The amount of the subsequent loan is the principal amount, and the interest for the subsequent period is calculated according to the annualized interest rate of 11%.

 

2.                  Purpose of the Loan

 

2.1                     Each party agrees the loan is only for the purpose of funding the working capital of the Borrower.

 

3.                  Repayment

 

3.1                     The Borrower shall repay the loan, namely, the principal and the corresponding interest, by one lump sum to the Lender before the expiration of the term of the loan. Each party agrees the Borrower is entitled to partly or entirely prepay the loan; if the Borrower prepays the loan, the corresponding interest for the principal prepaid shall be calculated until the date the actual prepayment is made.

 

3.2                     The Lender and the Borrower hereby agree and confirm the Borrower is unconditionally responsible for the repayment and no repayment notice is required from the Lender.

 

3.3                     Details of the Lender’s bank account are set out below:

 

Account Name:

Opening Bank:

Account: [redacted]

 

4.                  Representations and Warranties

 

4.1                     The Lender represents and warrants as follows:

 

(1)                                 The Lender is duly incorporated and validly existing as a corporation with limited liability under the laws of People’s Republic of China;

 

(2)                                 The Lender has the authority to enter into this Loan Agreement and perform the obligations contemplated under this Loan Agreement;

 

(3)                                 The obligations contemplated under this Loan Agreement are valid, binding and enforceable in accordance with this Loan Agreement;

 

3

 

(4)                                 The source of the loan under this Loan Agreement is legal and it is not the proceeds or benefits from any crimes in relation to drugs, mafias, terrorists, smugglers, bribery and corruption, disrupting the order of financial administration or financial fraud. , and no breach of the Anti-Money Laundering Law or any other laws and regulations of People’s Republic of China exists.

 

4.2                     The Borrower represents and warrants as follows:

 

(1)                                 The Borrower is duly incorporated and validly existing as a corporation with limited liability under the laws of People’s Republic of China;

 

(2)                                 The Borrower has the authority to enter into this Loan Agreement and perform the obligations contemplated under this Loan Agreement;

 

(3)                                 The obligations contemplated under this Loan Agreement are valid, binding and enforceable in accordance with this Loan Agreement;

 

(4)                                 To use the loan in accordance with the purpose of the loan under this Loan Agreement, and not use it for any other purpose or any illegal conduct.

 

5.                  Confidentiality

 

5.1                     Each party acknowledges and confirms that any information received from the other party orally or in writing for the purpose of this Loan Agreement is confidential information. Each party shall keep such information confidential and cannot disclose any related information without the other party’s prior written consent, but the following information shall not subject to such confidentiality: (a) information that is or will be generally known to the public (provided that such information does not result from the receiving party’s unauthorized disclosure to the public); (b) disclosure of such information is required by applicable laws or security exchange rules; or (c) information to be disclosed to the directors or the legal or financial advisors of any party for the transactions contemplated under this Loan Agreement, if such directors or legal or financial advisors are subject to confidentiality obligations similar to those in this confidentiality clause. Any leak of confidential information made by the employee or counsel of one party shall be deemed as a leak made by that party, and that party shall be liable for the breach in accordance with this Loan Agreement. This clause shall remain in force regardless of whether this Loan Agreement is terminated for any reason.

 

6.                  Responsibility for Breach

 

6.1                     Any party who breaches any clause under this Loan Agreement, fails to perform its obligations under this Loan Agreement or makes all or part of the clauses under this Loan Agreement impossible to be executed, shall be responsible for the breach, and shall compensate the loss (including the corresponding fees for litigation and legal counsel) the other party incurred that resulted from such breach; if both parties breach, each party shall bear its responsibilities in according to the actual situation.

 

4

 

7.                  Governing Law and Dispute Resolution

 

7.1                     The execution, validity, performance, interpretation, amendment and termination of this Loan Agreement and the resolution of any dispute in relation to this Loan Agreement shall be governed by the laws of People’s Republic of China.

 

7.2                     In the event of any dispute arising in the interpretation or performance of this Loan Agreement, all parties shall negotiate in good faith first. If such dispute has not been resolved within 30 days of one party having sent the written negotiation request to another party, either party will be entitled to submit such dispute to the Beijing Arbitration Commission for arbitration.

 

8.                  Miscellaneous

 

8.1                     Any amendment or supplement to this Loan Agreement or its attachments shall be made in writing.

 

8.2                     This Loan Agreement shall come into force on the date of execution, until the date when all the loan under this Loan Agreement has been repaid.

 

8.3                     If one or more clauses under this Loan Agreement is determined as invalid, illegal or not enforceable pursuant to any laws or regulations in any respect, the validity, legality or enforceability of the remaining clauses shall not be affected or prejudiced. All the parties shall negotiate in good faith to replace such invalid, illegal or unenforceable clauses to the greatest extent permitted by the law and the expectations of the parties, while such new clause shall have, to the greatest extent possible, a similar effect from a financial perspective as those invalid, illegal or not enforceable clauses have.

 

8.4                     With respect to matters not specifically covered herein, all parties are entitled to negotiate in writing.

 

8.5                     This Loan Agreement is written in the Chinese language in seven counterparts, each party holding one counterpart, each counterpart having the same legal effect.

 

(Left Blank Intentionally)

 

5

 

Therefore, each party has entered into this Loan Agreement on the date stated at the beginning of this Agreement. The Loan Agreement shall come into force immediately.

 

 

/s/ Shanghai Anquying Technology Co., Ltd. (Stamp)

Shanghai Anquying Technology Co., Ltd.

 

 

/s/ Sky City (Beijing) Technology Co., Ltd (Stamp)

Sky City (Beijing) Technology Co., Ltd

 

 

/s/ Shenzhen Qianhai Minheng Business Factoring Co., Ltd. (Stamp)

Shenzhen Qianhai Minheng Business Factoring Co., Ltd.

 

 

/s/ Pintec (Beijing) Technology Co., Ltd. (Stamp)

Pintec (Beijing) Technology Co., Ltd.

 

6

 

Therefore, each party has entered into this Loan Agreement on the date stated at the beginning of this Agreement. The Loan Agreement shall come into force immediately.

 

/s/ Beijing LeRong Duoyuan Information Technology Co., Ltd. (Stamp)

Beijing LeRong Duoyuan Information Technology Co., Ltd.

 

 

/s/ Lerong Duoyuan (Beijing) Technology Co., Ltd. (Stamp)

Lerong Duoyuan (Beijing) Technology Co., Ltd.

 

 

/s/ Jianianhua (Tianjin) Information Technology Co., Ltd. (Stamp)

Jianianhua (Tianjin) Information Technology Co., Ltd.

 

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