Document:

Cooperation
Agreement

 

 

 

February,
2016

 

    	 	 	 

     

    

 

Party
A: Benefactum Alliance Business Consultant (Beijing) Co., Ltd

Party
B: China Construction Bank Corporation, Shanghai 2nd Branch

 

To
further develop a good cooperative relationship, Party A and Party B, based on the principle of “long-term cooperation,
inter-dependency, co-creating value and common development”, reach the following agreement on their cooperation through
full negotiation, and promise to strictly comply with each term of the agreement, performing their own obligations.

 

Article
1 Two sides agree to establish a long-term business partnership.

 

Two
sides respectively regard the other side as one of most important customers. Party B is an important leading bank of Party A’s
financial business, under the premise of national laws, regulations and financial policies, Party B shall give priority to provide
all-around, high quality, efficient, preferential and personalized financial service and support for Party and its subordinate
units, fully cooperating with Party A to accelerate the development and establishment of Internet finance.

 

Party
A and Party B will take their own advantages to positively and effectively promote the implementation of the cooperation agreement,
establishing a long-term business partnership.

 

This
agreement is only a framework agreement, for rights and obligations of specific business involved under the agreement, the specific
agreement separately signed by Party A and Party B shall be prevail.

 

Article
2 Party B will provide all-around financial service for Party A according to the agreement, including but not limited to:

 

(1)
Funds management service

 

Party
B can provide cash management service system, online banking and other technical platforms, and operating in combination with
various fund settlement and management means, it assists Party A strengthening funds management and increasing overall efficiency
of fund operation, meanwhile, Party B provides financial service according to the features of Party A’s funds using, actively
offering financing scheme to realize fund appreciation.

 

(2)
Account management service

 

According
to the requirement of Party A’s funds management, Party B can open multiple general deposit accounts in Party B for Party
A, but only allow the person who is authorized and filed in Party B to handle payment settlement business within scope of authority,
making sure safety and legal compliance of accounts using.

 

(3)
Funds reconciliation service

 

Party
B can regularly provide the records of payment settlement and balance statement for Party A, and provide query service of account
information and balance by opening telephone banking, on-line banking, SMS Bank and other channels.

 

    	 	 	 

     

    

 

(4)
Entrusted loan service

 

Within
the scope of policy, Party B can provide entrusted loan services according to the requirements of Party A, the service contents
contain the performance of entrusted grant, assistance of supervision of using, assistance of recycling and other responsibilities.

 

(5)
Financial policy consulting services

 

As
Internet financial enterprise, business innovation and product development of Party A is an regular action, while as traditional
financial enterprise, Party B can provide Party A with training support of financial products and operating management, on this
basis, it also can conduct product innovation and promotion within the scope of supervisory policy.

 

(6)
Account items of risk margin of Party A’s platform

 

Party
A opens a general account with Party B, using it as the specified account of risk margin of platform business. Party A makes sure
to operate the risk margin under the premise of legal compliance and legality. (including the payment, refund and interest settlement
of the risk margin of cooperative institution, for example, economic dispute caused as a result of the margin between Party A
and platform business shall be borne by Party A and has nothing to do with Party B.

 

(7)
Fund settlement service of platform

 

In
order to support Internet platform business, if Party A actually enters into listing process (including list in domestic and aboard
market), Party B shall positively provide custody business of fund settlement of account to Party A’s Internet financial
platform business.

 

Article
3 Party A will, according to the agreement of both sides, give priority to select Party B’s products and services, including
but not limited to:

 

(1)
Give priority to select Party B as main settlement bank on equal conditions, give priority to select Party B as main administering
bank of fund collection, account supervision, funds management and other business, and to select to use Party B’s cash management
system and fund settlement network.

 

(2)
Give priority to select Party B as one of main administering banks for corporate finance, enterprise annuity and business on equal
conditions.

 

Article
4 Confidentiality Clause

 

If
Party A and Party B gain related business information, data, financial data, product information and others that has not been
formally announced to public, they shall strictly keep them confidential. Without written consent in advance, either party at
any time shall not disclose the above information to any other party beyond Party A and Party B, unless otherwise prescribed in
laws or regulations.

 

    	 	 	 

     

    

 

Article
5 Coordination and communication

 

On
the premise of keeping commercial secrets for each other, senior managers of both sides shall communicate regularly, enhancing
the intercommunication, and actively solving the potential disputes arising from implementing this agreement or other agreements
that are entered into for the purpose of implementing this agreement.

 

Article
6 Settlement of disputes

 

After
the agreement takes effect, each party shall notify and supervise the belonged institution to perform it carefully. In the process
of performing, in the event of disputes or modification and supplement for related terms of agreement, both sides shall solve
it through friendly negotiation with the principle of mutual benefit, mutual understanding and mutual accommodation. If the negotiation
fails, both sides agree to submit the dispute to the court where Party B is located.

 

Article
7 Validity and term of validity of agreement

 

The
agreement will come into force upon signature and official seal of the authorized signatory.

 

The
term of validity of the agreement is one year from the effective date of the agreement. Within the validity of agreement, Party
B has right to unilaterally terminate the agreement, and the agreement may be terminated upon Party A receives the written notice
sent by Party B.

 

After
termination of the agreement, the agreement on responsibility of confidentiality, responsibility for breach of contract and settlement
of dispute remain valid.

 

Article
8 the agreement is in quadruplicate, with Party A and Party B holding 2 copies respectively.

 

	Party A(official seal): Benefactum Alliance Business Consultant(Beijing) Co., Ltd
	 	
	Legal representative (principal) or authorized agent:
	Date Month Year

 

	Party B(official seal): China Construction Bank Corporation, Shanghai 2nd Branch
	 	
	Legal representative (principal) or authorized agent:
	Date Month YearContract
    of Electronic Signature Products 

 

 

Party
A: Benefactum Alliance Business Consultant (Beijing) Co., Ltd. (Huiyingdai)

Party
B: China Finance Certification Authority (CFCA)

	Contact
    Person: Liu Jianwei 	Contact
    Person: Sun Jie
	Email: sanuel@huiyingdai.com
    	Email: sunjie@cfca.com.cn
    
	Tel: 0532ᅳ68895736
    	Tel: 010-67872990
	Fax: 0532.ᅳ68888599
    	Fax: 010-63555032

Address:
Room 1105, Danleng Soho, No.6, Danling Street, Western Zhongguancun, Beijing

Address:
20-3 Pingyuanli, Caishikou South Avenue, Xicheng District, Beijing

 

The
right to use the contractual products belongs to: Benefactum Alliance Business Consultant (Beijing) Co., Ltd.

 

According
to the relevant provisions of the Contract Law of the People’s Republic of China, the Parties have entered into the following
agreement in respect of Party A’s buying of the related products from Party B, through friendly negotiation, for being obeyed
by the Parties.

 

I.
Product List

 

Party
B shall provide Party A with the following products:

 

	Product
    name	Energy
    supply module	Description	Price

        (RMB:
        )
	Remarks
	 	 	 	 	 
	Electronic
                                         signature

        system
        V3.0
	Automatic sealing
    by the server	Support
    PDF seal, number of sealing is not limited, and the number of certificates and seals are not limited.	RMB
    200,000	One-time
    investment
	Dynamic
    generation of seal	Support
    server certificate sealing 
	Maintenance
    service fee 	Including
    technical consultation, technical support and BUG modification; usually, phone call, email and other remote service modes
    are provided.	RMB
    15,000/year	Annual
                                         charge

        Free
        of charge in the first year

 

Website:
http://www.cfca.com.cn

Tel:
010-58903555

 

    	 

    	 

    

 

	 	Contract
    of Electronic Signature Products 

 

 

The
expense of automatic seal system of server is ¥200, 000.00, : (in words)RMB two hundred thousand Yuan;
service fee for system maintenance is free in the first year, the second year and since then it is¥15,
000.00Yuan, (in words) RMB Fifteen thousand Yuan.

 

In
conclusion, the total contract amount of the first year shall be ¥200,000.00, (in words):

 

II.
Payment Methods

 

1.
Billing information of Party A:  (Plain
invoice of value-added tax ロ Special invoice of value-added tax, if it needs special invoice, please fill in the following
information, otherwise, it is not necessary)

 

Name
of the unit: Benefactum Alliance Business Consultant (Beijing) Co., Ltd.

Tax No.: 110105078587665 

Address:
Room 1105, Danleng Soho, No.6, Danling Street, Western Zhongguancun, Beijing

Tel: 0532- 68895736 

Bank
of deposit: Beijing Dongsi Subbranch of China Construction Bank 

Account No.: 11001007400053021745 

 

2.
Party B’s account information:

 

Name
of the company: China Finance Certification Authority

Bank
of deposit: Beijing Youanmen Subbranch of China Construction Bank

Account
No.: 110010716000530005870

 

3.
Payment methods:

 

Within
five working days after the contract takes effect, Party A shall pay 50% of the total contract amount of the first year to Party
B, namely (in words): RMB One hundred thousand only, (in figures):¥ 100,000,00. Party B shall issue an
invoice of the equal amount to Party A within ten working days after receiving the payment. Within [5] working days after the
completion of the system deployment, Party A shall pay the rest 50% of the total contract amount of the first year to Party B,
namely (in words): RMB One hundred thousand only, (in figures): ¥100,000.00.

 

The
maintenance service fee will be free of charge in the first year, and RMB 15,000/ year from the following year. The time of payment
shall be August 1st each year, and the maintenance time shall be August 1st of the payment year to July 31st of the following
year. Party B shall issue an invoice of the equal amount to Party A within ten working days after receiving the payment.

 

III.
Time and Location of Delivery and Acceptance

 

1.
Time of delivery

 

Party
B shall deliver the goods within three working days after receiving Party A’s payment.

 

2.
Address of delivery (filled out by Party A):

 

The
receiving party: Huiyingdai Contact person: Liu Jianwei Tel: 15376777717 

 

Website:
http://www.cfca.com.cn

Tel:
010-58903555

 

    	 

    	 

    

 

	 	Contract
    on Electronic Signature Products 

 

 

Address:
19/F, Yamai International Center, No. 7 Middle Hong Kong Road, Shinan District, Qingdao, Shandong Postcode: 266000 

 

3.
Acceptance inspection  

 

Party
A must check and accept the goods within three working days after receiving the goods. If there are problems with the goods, Party
A shall contact Party B without delay, otherwise, it will be regarded by Party B as the qualified acceptance of the goods, and
the acceptance is passed and completed.

 

(4)
Transportation fee: undertaken by Party B.

 

IV.
Intellectual Property Rights and Restrictions on the Use of Brands

 

 1. In addition to the authorized users, Party A shall not distribute or sell the products to any third parties.

 

2.
Unless agreed by Party B in writing beforehand, otherwise Party A shall not use Party B’s information, including name, logo
and trademark, and shall not be engaged in any acts that may harm Party B’s interests, honor or reputation. It is agreed
by Party A, whether or not the contents publicized and popularized by it are directly or indirectly related with Party B, the
contents thereof shall be examined by Party B beforehand (Email of examination: ttli@cfca.com.cn/mengjiao@cfca.com.cn).

 

V.
Liabilities for Breach of Contract

 

1.
If Party B makes overdue delivery, for each working day overdue, Party B shall pay a liquidated damage at a rate of 0.1% of the
total contract amount to Party A, and the total amount of the liquidated damage shall not exceed 5% of the total contract amount.
During the delayed period, the contract shall be fulfilled as usual.

 

2.
If Party A makes delayed payments, for each working day delayed, Party A shall pay a liquidated damage at a rate of 0.1% of the
total contract amount to Party B, and the total amount of the liquidated damage shall not exceed 5% of the total contract amount.
During the delayed period, the contract shall be fulfilled as usual.

 

VI.
Force Majeure

 

Either
party who is unable to perform the contract due to force majeure shall report to the other party the reason of unable to perform
or fully perform, and is allowed to delay the performance, perform partly, or not to perform the contract after obtaining the
certificate of the related competent authority, and can be exempted from the liability for breach of contract fully or partly
as the case may be.

 

    	 

    	 

    

 

VII.
Confidentiality Clause

 

1.
Party A shall take confidentiality measures against the knockdown price, technical performance, parameters, procedures, structures,
user’s instructions or other technical information of Party B’s products, and shall not convey or reveal the product
technical information, etc. to any third parties. Party A shall not conduct reverse engineering, reverse compilation or disassembly
to the products, or it shall take full responsibility.

 

2.
The Parties shall keep the contents of the contract strictly confidential.

 

VIII.
Effectiveness of the Contract 

 

The
contract is in quadruplicate, with two copies held by each party respectively, which will take effect from the contract signing
date. Matters not covered hereof shall be handled in accordance with the provisions of the Contract Law of the People’s
Republic of China, and the faxed copy of the contract shall be effective.

 

X.
Miscellaneous

 

Disputes
arising from the performance of the contract shall be settled by the Parties through negotiation or mediation if requested. If
the negotiation fails, the disputes shall be submitted to Beijing Arbitration Commission for arbitration, and settled through
legal proceedings.

 

(No
text below)

 

Party
A (seal): Benefactum Alliance Business Consultant (Beijing) Co., Ltd. 

Party
B (seal): China Finance Certification Authority (CFCA)

Authorized
representative (signature) Authorized representative (signature)

 

	Date:
    July17, 2014 	Date:
August 4, 2014

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