Document:

EX-10.4

 Exhibit 10.4 

FORM OF EMPLOYMENT AGREEMENT 

This EMPLOYMENT AGREEMENT (the “Agreement”), is entered into as
of                by and between Jiayin Group Inc., a company incorporated and existing under the laws of the Cayman Islands (the “Company”),
and                 , an individual (the “Executive”). The term “Company” as used herein with respect to all obligations of the
Executive hereunder shall be deemed to include the Company and all of its direct or indirect parent companies, subsidiaries, affiliates, or subsidiaries or affiliates of its parent companies (collectively, the “Group”). 

RECITALS 
 The Company
desires to employ the Executive and to assure itself of the services of the Executive during the term of Employment (as defined below). 

The Executive desires to be employed by the Company during the term of Employment and upon the terms and conditions of this Agreement. 

AGREEMENT 
 The parties
hereto agree as follows: 
  

	 	1.	 POSITION 

The Executive hereby accepts a position of                 of
the Company (the “Employment”). 
  

	 	2.	 TERM 

Subject to the terms and conditions of this Agreement, the initial term of the Employment shall be
[                 years], commencing on                 (the “Effective
Date”), unless terminated earlier pursuant to the terms of this Agreement. Upon expiration of the initial-year term, the Employment shall be automatically extended for
successive                -year terms unless either party gives the other party hereto a [three-month] prior written notice to terminate the Employment prior to the
expiration of such                -year term or unless terminated earlier pursuant to the terms of this Agreement. 

 

	 	3.	 PROBATION 

No probationary period. 
  

	 	4.	 DUTIES AND RESPONSIBILITIES 

The Executive’s duties at the Company will include all jobs assigned by the Company’s Board of Directors (the
“Board”) and/or the Chief Executive Officer of the Company. 

  
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 The Executive shall devote all of his/her working time, attention and skills to the
performance of his/her duties at the Company and shall faithfully and diligently serve the Company in accordance with this Agreement, the Memorandum and Articles of Association of the Company (the “Articles of
Association”), and the guidelines, policies and procedures of the Company approved from time to time by the Board. 
  

	 	5.	 NO BREACH OF CONTRACT 

The Executive shall use his/her best efforts to perform his/her duties hereunder. The Executive shall not, without prior consent of the
Board, become an employee of any entity other than the Company and any subsidiary or affiliate of the Company, and shall not be concerned or interested in any business or entity that directly or indirectly competes with the Group (any such business
or entity, a “Competitor”), provided that nothing in this clause shall preclude the Executive from holding up to             % of shares or other securities of any
Competitor that is listed on any securities exchange or recognized securities market anywhere, provided however, that the Executive shall notify the Company in writing prior to his/her obtaining a proposed interest in such shares or
securities in a timely manner and with such details and particulars as the Company may reasonably require. The Company shall have the right to require the Executive to resign from any board or similar body which he/she may then serve if the
Board reasonably determines in writing that the Executive’s service on such board or body interferes with the effective discharge of the Executive’s duties and responsibilities to the Company or that any business related to such service is
then in competition with any business of the Company or any of its subsidiaries or affiliates. 
 The Executive hereby represents to the
Company that: (i) the execution and delivery of this Agreement by the Executive and the performance by the Executive of the Executive’s duties hereunder shall not constitute a breach of, or otherwise contravene, the terms of any other
agreement or policy to which the Executive is a party or otherwise bound, except for agreements that are required to be entered into by and between the Executive and any member of the Group pursuant to applicable law of the jurisdiction where the
Executive is based, if any; (ii) that the Executive has no information (including, without limitation, confidential information and trade secrets) relating to any other person or entity which would prevent, or be violated by, the Executive
entering into this Agreement or carrying out his/her duties hereunder; (iii) that the Executive is not bound by any confidentiality, trade secret or similar agreement (other than this) with any other person or entity except for other
member(s) of the Group, as the case may be. 
  

	 	6.	 LOCATION 

The Executive will be based in                 , until
both parties hereto agree to change otherwise. The Executive acknowledges that he/she may be required to travel from time to time in the course of performing his/her duties for the Company. 

  
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	 	7.	 COMPENSATION AND BENEFITS 

 

	 	(a)	 Compensation. The Executive’s cash compensation (inclusive of the statutory welfare reserves that
the Company is required to set aside for the Executive under applicable law) shall be provided by the Company in a separate schedule or as specified in a separate agreement between the executive and the company’s designated subsidiary or
affiliated entity, subject to annual review and adjustment by the Company or the compensation committee of the Board. The cash compensation may be paid by the Company, a subsidiary or affiliated entity or a combination thereof, as designated
by the Company from time to time. 

  

	 	(b)	 Equity Incentives. To the extent the Company adopts and maintains a share incentive plan, the Executive
will be eligible to participate in such plan pursuant to the terms thereof. 

  

	 	(c)	 Benefits. The Executive is eligible for participation in any standard employee benefit plan of the
Company that currently exists or may be adopted by the Company in the future, including, but not limited to, any retirement plan, life insurance plan, health insurance plan and travel/holiday plan. 

 

	 	(d)	 Annual Leave. Upon the Effective Date, the Executive is entitled to
            days per annum of paid leave, which shall accrue on a pro rata basis each year. 

  

	 	8.	 TERMINATION OF THE AGREEMENT 

 

	 	(a)	 By the Company. The Company may terminate the Employment for cause, at any time, without notice or
remuneration, if the Executive (1) commits any serious or persistent breach or non-observance of the terms and conditions of your employment; (2) is convicted of a criminal offence other than one
which in the opinion of the Board does not affect the executive’s position as an employee of the Company, bearing in mind the nature of your duties and the capacity in which the executive is employed; (3) willfully disobeys a lawful and
reasonable order; (4) misconducts himself/herself and such conduct being inconsistent with the due and faithful discharge of the Executive’s material duties; (5) is guilty of fraud or dishonesty; or (6) is habitually neglectful
in his/her duties. The Company may terminate the Employment without cause at any time with a [three-month] prior written notice to the Executive or by payment of [three months’] salary in lieu of notice. 

 

	 	(b)	 By the Executive. The Executive may terminate the Employment at any time with a [three-month] prior
written notice to the Company or by payment of [three months’] salary in lieu of notice. In addition, the Executive may resign prior to the expiration of the Agreement if such resignation or an alternative arrangement with respect to the
Employment is approved by the Board. 

  
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	 	(c)	 Notice of Termination. Any termination of the Executive’s employment under this Agreement shall be
communicated by written notice of termination from the terminating party to the other party. The notice of termination shall indicate the specific provision(s) of this Agreement relied upon in effecting the termination. 

 

	 	9.	 CONFIDENTIALITY AND NONDISCLOSURE 

 

	 	(a)	 Confidentiality and Non-disclosure. The Executive hereby agrees
at all times during the term of his/her employment and after termination, to hold in the strictest confidence, and not to use, except for the benefit of the Group, or to disclose to any person, corporation or other entity without written consent of
the Company, any Confidential Information. The Executive understands that “Confidential Information” means any proprietary or confidential information of the Group, its affiliates, their clients, customers or partners, and the
Group’s licensors, including, without limitation, technical data, trade secrets, research and development information, product plans, services, customer lists and customers (including, but not limited to, customers of the Group on whom the
Executive called or with whom the Executive became acquainted during the term of his/her employment), supplier lists and suppliers, software, developments, inventions, processes, formulas, technology, designs, drawings, engineering, hardware
configuration information, personnel information, marketing, finances, information about the suppliers, joint ventures, licensors, licensees, distributors and other persons with whom the Group does business, information regarding the skills and
compensation of other employees of the Group or other business information disclosed to the Executive by or obtained by the Executive from the Group, its affiliates, or their clients, customers or partners either directly or indirectly in writing,
orally or by drawings or observation of parts or equipment, if specifically indicated to be confidential or reasonably expected to be confidential. Notwithstanding the foregoing, Confidential Information shall not include information that is
generally available and known to the public through no fault of the Executive. 

  

	 	(b)	 Company Property. The Executive understands that all documents (including computer records, facsimile
and e-mail) and materials created, received or transmitted in connection with his/her work or using the facilities of the Group are property of the Group and subject to inspection by the Group, at any time.
Upon termination of the Executive’s employment with the Company (or at any other time when requested by the Company), the Executive will promptly deliver to the Company all documents and materials of any nature pertaining to his/her work with
the Company and will provide written certification of his compliance with this Agreement. Under no circumstances will the Executive have, following his/her termination, in his/her possession any property of the Group, or any documents or materials
or copies thereof containing any Confidential Information. 

  
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	 	(c)	 Former Employer Information. The Executive agrees that he has not and will not, during the term of
his/her employment, (i) improperly use or disclose any proprietary information or trade secrets of any former employer or other person or entity with which the Executive has an agreement or duty to keep in confidence information acquired by
Executive, if any, or (ii) bring into the premises of the Group any document or confidential or proprietary information belonging to such former employer, person or entity unless consented to in writing by such former employer, person or
entity. The Executive will indemnify the Group and hold it harmless from and against all claims, liabilities, damages and expenses, including reasonable attorneys’ fees and costs of suit, arising out of or in connection with any violation of
the foregoing. 

  

	 	(d)	 Third Party Information. The Executive recognizes that the Group may have received, and in the
future may receive, from third parties their confidential or proprietary information subject to a duty on the Group’s part to maintain the confidentiality of such information and to use it only for certain limited purposes. The Executive agrees
that the Executive owes the Group and such third parties, during the Executive’s employment by the Company and thereafter, a duty to hold all such confidential or proprietary information in the strictest confidence and not to disclose it to any
person or firm and to use it in a manner consistent with, and for the limited purposes permitted by, the Group’s agreement with such third party. 

This Section 9 shall survive the termination of this Agreement for any reason. In the event the Executive breaches this
Section 9, the Company shall have right to seek remedies permissible under applicable law. 
  

	 	10.	 INVENTIONS 

  

	 	(a)	 Inventions Retained and Licensed. The Executive has attached hereto, as Schedule A, a list
describing all inventions, ideas, improvements, designs and discoveries, whether or not patentable and whether or not reduced to practice, original works of authorship and trade secrets made or conceived by or belonging to the Executive (whether
made solely by the Executive or jointly with others) that (i) were developed by Executive prior to the Executive’s employment by the Company (collectively, “Prior Inventions”), (ii) relate to the Group’s actual
or proposed business, products or research and development, and (iii) are not assigned to the Group hereunder; or, if no such list is attached, the Executive represents that there are no such Prior Inventions. Except to the extent set
forth in Schedule A, the Executive hereby acknowledges and represents that, if in the course of his/her service for the Group, the Executive incorporates into a Group product, process or machine a Prior Invention owned by the Executive
or in which he/she has an interest, (a) the Group is hereby granted and shall have a nonexclusive, royalty-free, irrevocable, perpetual, worldwide right and license (which may be freely transferred by the Group to any other person or entity) to
make, have made, modify, use, sell, sublicense and otherwise distribute such Prior Invention as part of or in connection with such product, process or machine, and (b) he/she has all necessary rights, powers and authorization to use such Prior
Invention in the manner it is used and such use will not infringe any right of any company, entity or person. The Executive hereby agrees to indemnify the Group and hold it harmless from all claims, liabilities, damages and expenses, including
reasonable legal fees and costs for resolving disputes arising out of or in connection with any violation or claimed violation of a third party’s rights resulting from any use, sub-licensing,
modification, transfer or sale by the Group of such Prior Invention. 

  
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	 	(b)	 Disclosure and Assignment of Inventions.     The Executive understands that the
Company engages in research and development and other activities in connection with its business and that, as an essential part of the Employment, the Executive is expected to make new contributions to and create inventions of value for the Company.

 From and after the Effective Date, the Executive shall make full written disclosure in confidence to the Company all
inventions, improvements, designs, original works of authorship, formulas, processes, compositions of matter, computer software programs, databases, mask works, concepts and trade secrets, whether or not patentable or registrable under patent,
copyright, circuit layout design or similar laws in China or anywhere else in the world, which the Executive may solely or jointly conceive or develop or reduce to practice, or cause to be conceived or developed or reduced to practice, during the
period of the Executive’s Employment at the Company (whether or not during business hours) that are either related to the scope of his/her Employment at the Company or make use, in any manner, of the resources of the Group (collectively, the
“Inventions”). The Executive hereby acknowledges that the Company or the Group shall be the sole owner of all rights, title and interest in the Inventions created hereunder. In the event the foregoing assignment of Inventions
to the Company or the Group is ineffective for any reason, each member of the Group is hereby granted and shall have a royalty-free, sub-licensable, transferable, irrevocable, perpetual, worldwide license to
make, have made, modify, use, and sell such Inventions as part of or in connection with any product, process or machine. Such exclusive license shall continue in effect for the maximum term as may now or hereafter be permissible under applicable
law. Upon expiration, such license, without further consent or action on the Executive’s part, shall automatically be renewed for the maximum term as is then permissible under applicable law, unless, within the
[six-month] period prior to such expiration, the Company and the Executive have agreed that such license will not be renewed. The Executive also hereby forever waives and agrees never to assert any and all
rights he may have in or with respect to any Inventions even after termination of his/her employment with the Company. The Executive hereby further acknowledges that all Inventions created by him/her (solely or jointly with others) are, to the
extent permitted by applicable law, “works made for hire” or “inventions made for hire,” as those terms are defined in the People’s Republic of China (“PRC”) Copyright Law, the PRC Patent Law and the
Regulations on Computer Software Protection, respectively, and all titles, rights and interests in or to such Inventions are or shall be vested in the Company. 

  
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	 	(c)	 Patent and Copyright Registration. The Executive agrees to assist the Company or its designees in every
proper way to obtain for the Company and enforce patents, copyrights, mask work rights, trade secret rights, and other legal protection for the Inventions in any and all countries. The Executive will execute any documents that the Company may
reasonably request for use in obtaining or enforcing such patents, copyrights, mask work rights, trade secrets and other legal protections. The Executive’s obligations under this paragraph will continue beyond the termination of the Employment
with the Company, provided that the Company will reasonably compensate the Executive after such termination for time or expenses actually spent by the Executive at the Company’s request on such assistance. The Executive appoints the Company and
its duly authorized officers and agents as the Executive’s attorney-in-fact to execute documents on the Executive’s behalf for this purpose.

  

	 	(d)	 Remuneration. The Executive hereby agrees that the remuneration received by the Executive pursuant to
this Agreement with the Company includes any remuneration which the Executive may be entitled to under applicable PRC law for any “works made for hire,” “inventions made for hire” or other Inventions assigned to the Company
pursuant to this Agreement. 

  

	 	(e)	 Return of Confidential Material. In the event of the Executive’s termination of employment with the
Company for any reason whatsoever, Executive agrees promptly to surrender and deliver to the Company all records, materials, equipment, drawings, documents and data of any nature pertaining to any confidential information or to his/her employment,
and Executive will not retain or take with him/her any tangible materials or electronically-stored data, containing or pertaining to any confidential information that Executive may produce, acquire or obtain access to during the course of his/her
employment. 

 This Section 10 shall survive the termination of this Agreement for any reason. In the event the
Executive breaches this Section 10, the Company shall have right to seek remedies permissible under applicable law. 
  

	 	11.	 CONFLICTING EMPLOYMENT 

The Executive hereby agrees that, during the term of his/her employment with the Company, he/she will not engage in any other employment,
occupation, consulting or other business activity related to the business in which the Group is now involved or becomes involved during the term of the Executive’s employment, nor will the Executive engage in any other activities that conflict
with his/her obligations to the Company without the prior written consent of the Company. 
  

	 	12.	 NON-COMPETITION AND
NON-SOLICITATION 

 In consideration of the salary paid to the Executive by the
Company, the Executive undertakes that for a period of [one (1) year] after he/she ceases to be employed by the Company, he/she will not, without the prior written consent of the Company: 

  
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	 	(a)	 in the territory of the PRC (for the purpose of this Section 12, the PRC shall include Hong Kong, Macau
and Taiwan) (the “Territory”), either on his/her own account or through any of his/her affiliates, or in conjunction with or on behalf of any other person, carry on or be engaged, concerned or interested directly or indirectly
whether as shareholder, director, employee, partner, agent or otherwise carry on any business in direct competition with the business of the Group; 

  

	 	(b)	 either on his/her own account or through any of his/her affiliates or in conjunction with or on behalf of any
other person, solicit or entice away or attempt to solicit or entice away from the Group, any person, firm, company or organization who is or shall at any time within [two (2) years] prior to such cessation have been a customer, client,
representative or agent of the Group or in the habit of dealing with the Group; 

  

	 	(c)	 either on his/her own account or through any of his/her affiliates or in conjunction with or on behalf of any
other person, employ, solicit or entice away or attempt to employ, solicit or entice away from the Group any person who is or shall have been at the date of or within [twelve (12) months] prior to such cessation of employment an officer,
manager, consultant or employee of any such the Group whether or not such person would commit a breach of contract by reason of leaving such employment; or 

  

	 	(d)	 either on his/her own account or through any of his/her affiliates or in conjunction with or on behalf of any
other person, in relation to any trade, business or company use a name including the words of [“Niwodai (你我贷)”] or any other words hereafter used by the Group in its name or in the name of any of its products, services
or their derivative terms, or the Chinese or English equivalent or any similar word in such a way as to be capable of or likely to be confused with the name of the Group or the product or services or any other products or services of the Group, and
shall use all reasonable endeavors to procure that no such name shall be used by any of his/her affiliates or otherwise by any person with which he/she is connected. 

Each and every obligation under this Section 12 shall be treated as a separate obligation and shall be severally enforceable as such and
in the event of any obligation or obligations being or becoming unenforceable in whole or in part, such part or parts which are unenforceable shall be deleted from such section and any such deletion shall not affect the enforceability of the
remainder parts of such section. 
 The Executive agrees that in light of the circumstances, the restrictive covenants contained in this
Section 12 are reasonable and necessary for the protection of the Group, and further agrees that the said covenants are not excessive or unduly onerous upon the Executive. However, it is recognized that restrictions of the nature in
question may fail for technical reasons currently unforeseen and accordingly it is hereby agreed and declared that if any of such restrictions shall be adjudged to be void as going beyond what is reasonable, in light of the circumstances, for the
protection of the Group, but would be valid if part of the wording thereof were deleted or the periods thereof reduced or the range of activities or area dealt with thereby reduced in scope, the said restriction shall apply with such modification as
may be necessary to make it valid and effective. 

  
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 This Section 12 shall survive the termination of this Agreement for any reason. In
the event the Executive breaches this Section 12, the Executive acknowledges that there will be no adequate remedy at law, and the Company shall be entitled to injunctive relief and/or a decree for specific performance, and such other relief as
may be proper (including monetary damages if appropriate). In any event, the Company shall have right to seek all remedies permissible under applicable law. 
  

	 	13.	 WITHHOLDING TAXES 

Notwithstanding anything else herein to the contrary, the Company may withhold (or cause there to be withheld, as the case may be) from any
amounts otherwise due or payable under or pursuant to this Agreement such national, provincial, local or any other income, employment, or other taxes as may be required to be withheld pursuant to any applicable law or regulation. 

 

	 	14.	 NOTIFICATION OF NEW EMPLOYER 

In the event that the Executive leaves the employ of the Company, the Executive hereby grants consent to notification by the Company to his/her
new employer about his/her rights and obligations under this Agreement. 
  

	 	15.	 ASSIGNMENT 

This Agreement is personal in its nature and neither of the parties hereto shall, without the consent of the other, assign or transfer this
Agreement or any rights or obligations hereunder; provided, however, that (i) the Company may assign or transfer this Agreement or any rights or obligations hereunder to any member of the Group without such consent, and (ii) in
the event of a merger, consolidation, or transfer or sale of all or substantially all of the assets of the Company with or to any other individual(s) or entity, this Agreement shall, subject to the provisions hereof, be binding upon and inure
to the benefit of such successor and such successor shall discharge and perform all the promises, covenants, duties, and obligations of the Company hereunder. 
  

	 	16.	 SEVERABILITY 

If any provision of this Agreement or the application thereof is held invalid, the invalidity shall not affect other provisions or applications
of this Agreement which can be given effect without the invalid provisions or applications and to this end the provisions of this Agreement are declared to be severable. 
  

	 	17.	 ENTIRE AGREEMENT 

This Agreement constitutes the entire agreement and understanding between the Executive and the Company regarding the terms of the Employment
and supersedes all prior or contemporaneous oral or written agreements concerning such subject matter, other than any such agreement under any employment agreement entered into with a subsidiary of the Company at the request of the Company to the
extent such agreement does not conflict with any of the provisions herein. The Executive acknowledges that he/she has not entered into this Agreement in reliance upon any representation, warranty or undertaking which is not set
forth in this Agreement. Any amendment to this Agreement must be in writing and signed by the Executive and the Company. 

  
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	 	18.	 REPRESENTATIONS 

The Executive hereby agrees to execute any proper oath or verify any proper document required to carry out the terms of this Agreement. The
Executive hereby represents that the Executive’s performance of all the terms of this Agreement will not breach any agreement to keep in confidence proprietary information acquired by the Executive in confidence or in trust prior to his/her
employment by the Company. The Executive has not entered into, and hereby agrees that he/she will not enter into, any oral or written agreement in conflict with this Section 18. The Executive represents that the Executive will consult his/her
own consultants for tax advice and is not relying on the Company for any tax advice with respect to this Agreement or any provisions hereunder. 
  

	 	19.	 GOVERNING LAW 

This Agreement shall be governed by and construed in accordance with the laws of [the State of New York]. 

 

	 	20.	 ARBITRATION 

Any dispute arising out of, in connection with or relating to, this Agreement shall be resolved through arbitration pursuant to this
Section 20. The arbitration shall be conducted in [Hong Kong] under the auspices of [the Hong Kong International Arbitration Centre (the “Centre”)] in accordance with the rules of [the United Nations Commission of International Trade
Law (“UNCITRAL Rules”)] in effect at the time of the arbitration. There shall be [one] arbitrator. The award of the arbitration tribunal shall be final and binding upon the disputing parties, and any party may apply to a court of competent
jurisdiction for enforcement of such award. 
  

	 	21.	 AMENDMENT 

This Agreement may not be amended, modified or changed (in whole or in part), except by a formal, definitive written agreement expressly
referring to this Agreement, which agreement is executed by both of the parties hereto. 
  

	 	22.	 WAIVER 

Neither the failure nor any delay on the part of a party to exercise any right, remedy, power or privilege under this Agreement shall operate
as a waiver thereof, nor shall any single or partial exercise of any right, remedy, power or privilege preclude any other or further exercise of the same or of any right, remedy, power or privilege, nor shall any waiver of any right, remedy, power
or privilege with respect to any occurrence be construed as a waiver of such right, remedy, power or privilege with respect to any other occurrence. No waiver shall be effective unless it is in writing and is signed by the party asserted to
have granted such waiver. 

  
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	 	23.	 NOTICES 

All notices, requests, demands and other communications required or permitted under this Agreement shall be in writing and shall be deemed to
have been duly given and made if (i) delivered by hand, (ii) otherwise delivered against receipt therefor, or (iii) sent by a recognized courier with next-day or
second-day delivery to the last known address of the other party. 
  

	 	24.	 COUNTERPARTS 

This Agreement may be executed in any number of counterparts, each of which shall be deemed an original as against any party whose signature
appears thereon, and all of which together shall constitute one and the same instrument. This Agreement shall become binding when one or more counterparts hereof, individually or taken together, shall bear the signatures of all of the parties
reflected hereon as the signatories. Photographic copies of such signed counterparts may be used in lieu of the originals for any purpose. 
  

	 	25.	 NO INTERPRETATION AGAINST DRAFTER 

Each party recognizes that this Agreement is a legally binding contract and acknowledges that such party has had the opportunity to consult
with legal counsel of choice. In any construction of the terms of this Agreement, the same shall not be construed against either party on the basis of that party being the drafter of such terms. The Executive agrees and acknowledges that
he/she has read and understands this Agreement, is entering into it freely and voluntarily, and has been advised to seek counsel prior to entering into this Agreement and has ample opportunity to do so. 

[Remainder of this page has been intentionally left blank.] 

  
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 IN WITNESS WHEREOF, this Agreement has been executed as of the date first written above. 

 

			
	Jiayin Group Inc.
		
	By:	 	  

	Name:	 	
	Title:	 	

  

			
	Executive
		
	Signature:	 	  

	Name:	 	

 [Signature Page to Employment Agreement] 

 Schedule A 

List of Prior Inventions 
  

					
	 Title
	  	 Date
	  	 Identifying Number

or Brief Description

  

	
	                 No inventions or improvements
	
	                Additional Sheets Attached

			
		
	Signature of Executive:	 	  

		
	Print Name of Executive:	 	  

		
	Date:EX-10.5

 Exhibit 10.5 

Power of Attorney 

Dinggui Yan, as a shareholder of Shanghai Jiayin Finance Technology Co., Ltd. (the “Company”), Shanghai Jinmushuihuotu Investment
Center (Limited Partnership), Guanglin Zhang and Yuanle Wu (collectively, the “Principals”) collectively hold 100% shares of the Company (the “Company Shares”), and, with respect to the Company Shares, hereby irrevocably
authorize the person designated by Shanghai KunJia Technology Co., Ltd.’s board of directors/executive director and such designated person’s successor (the “Agent”) to exercise the following rights during the term of this Power
of Attorney: 
 As the sole and exclusive agent of the Principals, the Agent is authorized to exercise the following rights in the name of
the Principals on behalf of the Principals in connection with matters related to the Company Shares, including but not limited to: 
 (1)
making and executing relevant shareholders’ meeting decisions on behalf of the Principals; 
 (2) exercising all shareholder’s
rights pursuant to law and/or the Principals’ partnership agreement, including but not limited to the shareholder’s voting rights and rights to issue, sell or transfer, or pledge or dispose of all or any part of the Company Shares; and

 (3) as the authorized representative of the Principals, designating and appointing the legal representative, chairperson, directors,
supervisors, general manager and other members of the senior management of the Company. 
 Except otherwise agreed in this Power of
Attorney, the Agent has the right to allocate, use or otherwise dispose of cash dividends and other non-cash revenue generated from the Company Shares. 

Except otherwise agreed in this Power of Attorney, all acts of the Agent in connection with the Company Shares may be conducted in accordance
with the Agent’s own judgment, without any oral or written instruction from the Company or Principals. 

  
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 The Agent shall, within the scope of authorization, have the right to execute the Transfer
Agreements as agreed in the Exclusive Call Option Agreement (the Principals shall request to be the parties thereto) on the Principals’ behalf, and timely perform the Exclusive Consultation and Service Agreement, the Exclusive Call Option
Agreement and the Equity Pledge Agreement entered into on June 29, 2018 and as amended, supplemented and modified from time to time, and their appendix(es) to which the Principals are parties. The exercise of such right will not impose any
restriction on the authorizations hereunder. 
 All acts of the Agent in connection with the Company Shares shall be deemed as acts of the
Principals, and all documents thus executed shall be deemed as executed by the Principals, and will be acknowledged by the Principals. 

The Agent has the right to delegate the authorization, and may, in its own discretion, entrust other individuals or entities with respect to
handling the said matters and the Company Shares, without giving a prior notice to the Principals or obtaining the Principals’ consents. 

This Power of Attorney shall become effective as of the date of execution. The term hereof shall be the whole period during which the
Principals are being shareholders of the Company. This Power of Attorney shall be irrevocable and continuously effective within the term. As of the effective date of this Power of Attorney, this Power of Attorney shall supersede the Power of
Attorney dated June 29, 2018 among the Parties, which shall terminate automatically without prejudice to the liabilities of a defaulting party for breach under such Power of Attorney to other parties. 

During the term of this Power of Attorney, the Principals hereby waive all their rights in connection with the Company Shares that are
authorized to the Agent by this Power of Attorney, and will not exercise such rights by themselves. 
 If any part of this Power of Attorney
becomes invalid or unenforceable due to legal mandatory provisions, the remainder hereof shall continue to be effective. 
 (The remainder of
this page is intentionally left blank.) 

  
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 No text on this Page. This is the signature page of the Power of Attorney. 

Dinggui Yan: /s/ Dinggui Yan (signature) 
 October 15,
2018 

  
 Signature Page of the
Power of Attorney 

 No text on this Page. This is the signature page of the Power of Attorney. 

Shanghai Jinmushuihuotu Investment Center (Limited Partnership) (stamp) 

Executive partner: Shanghai Jinmushuihuotu Marketing and Planning Co., Ltd. (stamp) 

Appointed or authorized representative: /s/ Guanglin Zhang (signature) 

October 15, 2018 

  
 Signature Page of the
Power of Attorney 

 No text on this Page. This is the signature page of the Power of Attorney. 

Guanglin Zhang: /s/ Guanglin Zhang (signature) 
 October
15, 2018 

  
 Signature Page of the
Power of Attorney 

 No text on this Page. This is the signature page of the Power of Attorney. 

Yuanle Wu: /s/ Yuanle Wu (signature) 
 October 15, 2018

  
 Signature Page of the
Power of Attorney 

 No text on this Page. This is the signature page of the Power of Attorney. 

Shanghai Jiayin Finance Technology Co., Ltd. (stamp) 
 Legal
representative: /s/ Dinggui Yan (signature) 
 October 15, 2018 

  
 Signature Page of the
Power of Attorney

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