Document:

Exhibit
10.4

 

No.:
ZBJR (JJ) Z ( ) No.

 

Financing
Intermediary Service Agreement

 

Party
A:

 

Unified Social Credit Code:

 

Address:

 

 

 

Party
B:

 

ID
Number/Unified Social Credit Code:

 

Domicile:

 

 

 

Party
C:

 

ID
Number:

 

Domicile:

 

    Page 1 of 6

     

    

 

Whereas,

 

(1)
Party A is a peer-to-peer lending information intermediary that owns and operates the “peer-to-peer lending financing intermediary
platform” http://www.izbjr.com (hereinafter referred to as “Zhongbei Finance”), which can provide lending intermediary
services for fund demanders and providers;

 

(2)
Party B is a natural or legal person with full capacity for civil conduct, and intends to satisfy its financing demands through
“Zhongbei Finance”;

 

(3)
Party C is the investors’ representative (or lenders’ representative, the same below), a debtor-creditor relationship
between which and Party B is intended to be created by Party A through “Zhongbei Finance”, signs the loan contract
and complete the mortgage registration and other relevant documents on behalf of all investors.

 

In
view of the above, Party A, Party B and Party C agree as follows by consensus on the principles of fairness, openness and good
faith:

 

Article
1 Cooperation content

 

1.
In consideration of the rules of Zhongbei Finance platform, all borrowers agree that any borrower of them may act as a borrower
in Zhongbei Finance platform, and the borrowing of money by such borrower shall be deemed as the borrowing of money by all borrowers.
Such borrower shall complete the entire registration process such as user registration, real name authentication, email authentication,
depository account registration, and bank card binding for withdrawal with its true information on “Zhongbei Finance”;

 

2.
Party B shall provide the true and complete information of the financing demand to Party A based on its fund plan and demands;

 

3.
Party A shall release Party B’s financing demands on “Zhongbei Finance” in a timely manner upon its approval;

 

4.
When Party A releases financing demands, it may disclose the true information provided by Party B to investors on “Zhongbei
Finance” platform, and Party B has no objection to such disclosure;

 

5.
Upon the release of the financing demands by Party A, Party B shall pay attention to the progress of the financing in real time,
and carry out the withdrawal on its own to complete the financing. Party B shall bear the losses caused by any failure in the
receipt of funds in time due to its own reasons.

 

    Page 2 of 6

     

    

 

Article
2 Fees and Interest Rates

 

Party
A provides financing intermediary services for Party B. Based on the forms of cooperation and the business model, the fees that
shall be paid by Party B during the cooperation include:

 

(1)
Investors’ income: it means the interests payable to Party C or the investors represented by Party C. The interest rate
is             % years, paid on a/an             basis;
and

 

(2)
Intermediary service fee: it means the service fee charged by Party A for the financing intermediary services rendered to Party
B. Such service rate is             .

 

Article
3 Payment of Interest and Repayment of Principal

 

For
Party B’s funds demand that has been satisfied on “Zhongbei Finance”, Party B shall repay the principal and
pay the interest thereof in accordance with the provisions of the Loan Agreement generated on “Zhongbei Finance”,
and the provisions of the Loan Agreement shall be binding on Party B.

 

Article
4 Late Payment of Interest or Repayment of Principal

 

In
case Party B delays in the payment of interest or repayment of principal, the provisions concerning the late charges and liquidated
damages of the Loan Agreement automatically generated on “Zhongbei Finance” and relevant Loan Contract
between Party B and Party C shall apply.

 

Article
5 Term of Cooperation

 

The
term of cooperation between the Parties shall be             month(s)
(i.e., from MM DD YYYY to MM DD YYYY). Upon the expiration of such term, the Parties shall improve relevant matters
during the cooperation, and sign a renewal agreement or supplementary agreement with the written consent of the Parties to continue
the cooperation.

 

Article
6 Maximum Loan Amount

 

The
maximum loan amount provided to Party B hereunder is RMB            yuan
(subject to the Maximum Loan Contract between Party B and Party C), which may be recycled within the term of cooperation
stipulated in Article 4 hereof.

 

Article
7 Rights and Obligations

 

(I)
Party A’s rights and obligations

 

1.
Party A is entitled to conduct due diligence on Party B prior to the provision of the financial intermediary services;

 

2.
Party A is entitled to conduct post-loan management on Party B after the provision of financing intermediary services;

 

3.
Party A is entitled to decide whether to release or reject the financing demands submitted by Party B;

 

4.
Party A is entitled to request Party B and Party C to execute the instruments necessary for the creation of debtor-creditor relationship;

 

    Page 3 of 6

     

    

 

5.
Party A shall be entitled to the intermediary service fees and other rights as a financing intermediary services provider;

 

6.
Party A is obliged to help to create the debtor-creditor relationship between Party B and Party C;

 

7.
In the event of any delay in payment of interest and repayment of principal by Party B, Party A is obliged to actively assist
Party C in realizing its rights.

 

(II)
Party B’s rights and obligations

 

1.
Party B is entitled to request Party A to provide financing intermediary services;

 

2.
Party B is entitled to cancel the financing demands, provided that the losses incurred to Party A and Party C due to the cancellation
shall be borne by Party B;

 

3.
Party B is entitled to withdraw and use the borrowing funds as agreed;

 

4.
Party B is entitled to request Party C to cancel the corresponding guarantee upon the repayment of principal as agreed, and Party
A shall actively coordinate and assist in such cancellation;

 

5.
Party B is obliged to pay interest and repay principal as agreed;

 

6.
Party B is obliged to actively cooperate with Party A in conducting due diligence and ensure the proper and legal use of the funds
and the truth and validity of information;

 

7.
Party B is obliged to actively cooperate with Party A and Party C in the post-loan management and provide corresponding information;

 

8.
Party B is obliged to pay the intermediary service fees as agreed;

 

9.
Other obligations that Party B shall assume as a borrower.

 

(III)
Party C’s rights and obligations

 

1.
As the representative of investors, Party C is entitled to request Party B to pay interest and repay the principal as agreed;

 

2.
As the representative of investors, Party C is entitled to sign loan contract with Party B, complete the mortgage registration
and execute other relevant documents on behalf of all investors.

 

3.
In case Party B fails to perform the repayment obligation as agreed, Party C is entitled to file a lawsuit as the representative
of the investors in the People’s Court at the place where the Agreement is signed, including but not limited to filing,
acknowledging, changing, withdrawing, waiving claims or counterclaims, putting to the proof, attending cross-examination and trial
debate, participating in mediation, reconciliation, and receiving documents and objects of the litigation on behalf of corresponding
investors;

 

4.
Other rights shall be enjoyed by Party C or investors represented by Party C;

 

    Page 4 of 6

     

    

 

5.
Party C shall neither dispose of the collateral (pledge), nor create other mortgages, pledges on the collateral or lease the collateral.

 

6.
In the event of any delay in the payment of any expenses by Party B, Party C may pay such expenses to protect the interests of
investors and Party A. In such case, Party C is entitled to recover such expenses from Party B.

 

Article
8 Special Provisions

 

1.
If Party B represents more than one borrower, Party C may file a lawsuit against any one of them. Party C has no objection to
this paragraph.

 

2.
In the event of any inconsistency between this Agreement and relevant Loan Contract and other relevant instruments between
Party B and Party C, such Loan Contract and other relevant instruments between Party B and Party C shall prevail.

 

Article
10 Confidentiality

 

Any
term of this Agreement and any information of any other parties referred to in this Agreement are confidential information, Party
A, Party B and Party C hereto are obliged to maintain the confidentiality of such information.

 

Article
11 Alteration and Dissolution of the Agreement

 

1.
Alteration: Party A, Party B and Party C all shall not unilaterally alter this Agreement. Any supplements, modifications or alterations
to this Agreement shall be agreed by the Parties hereto, and a written supplemental agreement shall be signed by the Parties hereto.

 

2.
Dissolution: Any breach of this Agreement or the Loan Agreement automatically generated on “Zhongbei Finance”
and the supplementary agreement signed among Party A, Party B or Party C by any party shall be deemed as a breach of contract
by such party, the observant party may unilaterally terminate the Agreement and claim compensation in the competent court.

 

3.
Liability for breach of contract: Subject to Article 5 of the Loan Agreement automatically generated on “Zhongbei
Finance” on the liability for breach of contract.

 

Article
12 Resolution of Disputes

 

Any
dispute among Party A, Party B and Party C arising from this Agreement shall be settled through negotiation first. If no agreement
reaches through negotiation or mediation, any party may file a lawsuit in the People’s Court at the place where the Agreement
is signed.

 

    Page 5 of 6

     

    

 

Article
13 Miscellaneous

 

1.
This Agreement becomes effect as of the date it is signed or sealed by Party A, Party B and Party C. This Agreement shall be executed
in triplicate, and each party shall hold one copy, all copies have the same legal effect.

 

2.
For matters not covered by this Agreement, Party A, Party B and Party C may separately enter into a written supplemental agreement.

 

Party
A (Seal):

 

Legal
Representative (or Authorized Representative):

 

 

 

 

 

Party
B:

 

 

 

 

 

Party
C: 

 

 

 

 

 

 

Signed
on:                                                

 

Signed
at:                                                 

 

 

Page
6 of 6Exhibit
10.5

 

 

Loan
Agreement

 

Order
No.:                                             

 

This
loan agreement (hereinafter referred to as “this agreement”) was concluded and entered into by the following parties
in High-Tech Zone, Chengdu on MM DD YY.

 

Party
A (lender): The details are in the list of lenders.

 

Party
B (borrower):

 

Party
C (facilitator): Sichuan Zhongbei Technology Co., Ltd.

 

Whereas:

 

		1.	Party
A is a natural person aged over 18 who has full capacity for civil rights and conducts as stipulated in the laws of the People’s
Republic of China (hereinafter referred to as “Chinese laws” only for the purpose of this agreement, excluding the
laws and regulations of Special Administrative Regions of Hong Kong and Macau, and Taiwan) and is able to independently assume
the rights and obligations hereunder. As the lender, Party A agrees to lend funds as per the clauses and conditions stipulated
herein. Party A is a user registered with real name with the P2P lending information agency platform run by Party C.

 

		2.	Party
B is a natural person aged over 18 who has full capacity for civil rights and conducts as stipulated in Chinese laws and is able
to independently assume the rights and obligations hereunder. As the borrower, Party B agrees to borrow from Party A as per this
agreement. Party B is a user registered with real name with the P2P lending information agency platform run by Party C.

 

		3.	Party
C is the operator of Zhongbei financial platform (including the website and APP of Zhongbei Finance), who, upon application and
authorization of Party A and Party B, will provide such services as information collection, information announcement, credit assessment,
information exchange, and loaning matching for Party A and Party B in accordance with Interim Measures for Management over
Business Activities of P2P Lending Information Agency.

 

Therefore,
the three parties hereto have entered into and concluded this agreement after amicable negotiation based on the principles of
equality, voluntariness, mutual benefit and integrity in accordance with the related laws and regulations.

 

List
of lenders:

 

	 
Lender
	 	 	Loan
    amount (RMB)	 	 	Life
                                         of loan (month)	 	 	Loan
    rate (annual interest rate)	 	Beginning
    date of earnings	 	Maturity
    date of earnings	 	Total
    principal and interest of creditor’s rights (RMB)
	 	 	 	¥	 	 	
Month(s)
	 	 	 %/year	 	Date	 	Date	 	¥
	 	 	 	¥	 	 	
Month(s)
	 	 	 %/year	 	Date	 	Date	 	¥
	 	 	 	¥	 	 	
Month(s)
	 	 	 %/year	 	Date	 	Date	 	¥

 

     

     

    

 

	1.	Essential
                                         information of loan 

 

	 	1.1	The
                                         loan information issued by the Zhongbei financial platform shall be true and detailed,
                                         including following essential loan information:

 

	Loan use:	 	 
	Loan
    amount (RMB) :	 	¥
	Repaid principal
    and interest (RMB) :	 	¥
	 	 	 
	Repayment
    installments (month(s)):	 	Month(s)
	Loan rate
    (annual interest rate) :	 	%/year
	Repayment
    mode:	 	Repay interest
    each month and repay the principal upon maturity
	Loan description:	 	 
	Loan date:	 	 MM DD
    YY
	Repayment
    date:	 	MM DD YY to
    MM DD YY

 

	2.	Lending
                                         and repayment of fund 

 

		1.	2.1
That the lender accepts this agreement by clicking on line on the Zhongbei financial platform (The concrete operation shall be
subject to operations actually displayed on the Zhongbei financial platform) shall represent the lender irrevocably authorizes
the Zhongbei financial platform and/or its cooperative institutions (including but not limited to banks and third-party payment
agencies) to assist the lender in transferring the loan amount to the borrower-designated collecting account of the him/herself
or of a third party, and the fund’s being transferred out from the lender’s account shall constitute successful granting
of loans.

 

		2.	2.2
The borrower shall repay on schedule the monthly principal and interest and other expenses (including the overdue penalty (if
any)) (hereinafter generally referred to as “repayable sum”) as per the repayment date, the repayment mode and the
repayment term as listed in aforementioned essential information of loan with the assistance of the Zhongbei financial platform
and its cooperative institutions.

 

		3.	2.3
                                         The borrower may repay in advance all the balance of the repayable sum and other service
                                         fees and/or commissions repayable to Party C and/or its cooperative institutions within
                                         the life of loan. If so, the borrower shall make repayment as per the following sequence:

 

		4.	2.3.1
                                         The borrower shall pay the service fee and/or the commission to the Zhongbei financial
                                         platform and/or its cooperative institutions. 

 

    2

     

    

 

		5.	2.3.2
The borrower shall pay the prepayment penalty (The concrete charging rule shall be subject to the rules issued by the Zhongbei
financial platform or its cooperative institutions’ platforms), interest and the unpaid principal in sequence.

 

		6.	2.4
                                         That the borrower or the third party entrusted by him/her fails to fully repay the current
                                         payable installment to the lender before 24:00 on the repayment date (shall be postponed
                                         in case of holidays, and a grace period of less than 15 days shall be granted to the
                                         borrower depending on the physical circumstances) shall be regarded as overdue repayment,
                                         and the borrower shall assume the overdue service fee and the collection fee for Party
                                         C and/or its cooperative institutions, and pay the overdue penalty to the lender. The
                                         overdue penalty shall be determined by the increasing contracted interest rate by 30%.
                                         The overdue service fee and the collection fee shall be charged as per the rules issued
                                         by the Zhongbei financial platform or its cooperative institutions’ platforms.
                                         

 

		7.	2.4.1
That the borrower normally repays the principal and interest within the grace period shall not be regarded as late payment of
the borrower.

 

		8.	2.4.2
                                         The borrower shall make repayment as per the sequence of overdue penalty (if any), overdue
                                         service fee and collection fee (if any), commission and/or service fee, principal and
                                         interest of the overdue loan (if any), undue loan interest, undue loan principal. 

 

	3.	Rights
                                         and obligations 

 

		1.	3.1
                                         The lender shall be entitled to collect the repayment of the borrower on schedule, know
                                         the loan use of the borrower and related information of the borrower, etc.

 

		2.	3.2
                                         The lender shall enjoy the interest yield from its loan amount and shall actively pay
                                         the possible taxes incurred by interest.

 

		3.	3.3
                                         Where the borrower’s repayment is insufficient to repay all the repayable sum,
                                         the lender agrees to charge the repayment by the proportion of its loan amount to all
                                         the debts of the borrower hereunder.

 

		4.	3.4
                                         The lender acknowledges and authorizes the Zhongbei financial platform (including via
                                         its cooperative institutions and designating a third-party representative of the lender)
                                         to assist in exercising the rights of collection, litigation, execution and preservation,
                                         etc.

 

		5.	3.5
                                         The borrower shall fully repay the lender the repayable sum on schedule and assume the
                                         demanding fee incurred by his/her overdue repayment.

 

		6.	3.6
                                         The borrower shall not transfer the whole or part of debts hereunder without joint consent
                                         of the lender and the Zhongbei financial platform.

 

		7.	3.7
                                         The lender and the borrower agree and authorize Zhongbei Finance to be entitled to use
                                         the essential information provided by the two parties and transaction information for
                                         the following purposes:

 

		8.	3.7.1
                                         Keep, disclose and report the aforementioned information as per laws, regulations and
                                         supervision regulations on P2P lending;

 

		9.	3.7.2
                                         Disclose the same to its cooperative institutions for the purpose of this agreement;

 

		10.	3.7.3
                                         Solve disputes and dissension, etc.

 

		11.	3.8
                                         The Zhongbei financial platform shall be entitled to charge commission fees for the service
                                         provided to the lender and the borrower hereunder, and the concrete charging mode shall
                                         be separately agreed upon by the two parties or subject to the displayed rules of the
                                         platform.

 

		12.	3.9
                                         The lender and/or borrower respectively and irrevocably agree and authorize Party C and
                                         its cooperative institutions (including but not limited to banks, third-party payment
                                         agencies) to deduct, pay and charge the loan principal, repayment and related expenses
                                         hereunder as per this agreement and related rules of the Zhongbei financial platform.

 

		13.	3.10
                                         The parties hereto confirm that the legal consequences incurred by the behaviors or measures
                                         implemented by the Zhongbei financial platform as per this agreement as authorized and
                                         entrusted by the lender and/or the borrower shall all be borne by the lender and/or the
                                         borrower correspondingly.

 

    3

     

    

 

		14.	3.11
The lender and/or the borrower are/is aware that signature of this agreement or other related agreements with the Zhongbei financial
platform shall constitute authorization to the Zhongbei financial platform to apply for the digital certificate to the third-party
certification organ in the name of lender and/or the borrower. Such digital certificate shall be kept by the third-party certification
organ. When the lender and/or the borrower issue(s) the signature instruction and the lender and/or borrower authorize(s) the
Zhongbei financial platform to issue or authorize(s) the third party cooperating with the Zhongbei financial platform to issue
the signature instruction on behalf, this shall represent the third-party certification organ has used the digital certificate
to sign the related agreements or documents. 

 

	4.	Warranties
                                         and guarantees 

 

		1.	4.1
                                         The lender makes following warranties and guarantees:

 

		2.	4.1.1
                                         The loan fund is his/her own legal fund, for which he/she enjoys the full right of disposition,
                                         and his/her operations on the Zhongbei financial platform are all by him/herself, and
                                         the information provided to the Zhongbei financial platform such as identity, etc. is
                                         all true, accurate and complete.

 

		3.	4.1.2
                                         He/she has the experience of investment in non-breakeven financial products and is familiar
                                         with the internet.

 

		4.	4.1.3
                                         He/she understands the credit risks, related policy risks and other types of risks incurred
                                         by lending funds and has corresponding capacities of risk perceiving and sustaining,
                                         and will assume the principal and interest losses incurred by lending funds.

 

		5.	4.1.4
                                         He/she irrevocably authorizes the representative of the lender designated by Party C
                                         to sign related precontracts with the borrower and will establish related security rights
                                         (such as (Ceiling Amount) loan Agreement, (Ceiling Amount) Mortgage Contract and Pledge
                                         Contract and (Ceiling Amount) Guarantee Contract, etc. that must be signed
                                         in advance to process registration of mortgage (pledge), to guarantee the group benefits
                                         of the lender.

 

		6.	4.1.5
                                         He/she will use the Zhongbei financial platform for legal purposes and will not engage
                                         in any illegal behavior or disciplinary offence via the Zhongbei financial platform (including
                                         but not limited to any illegal acts endangering national security, money laundering,
                                         cashout, and pyramid selling)

 

		7.	4.2
                                         The borrower makes following warranties and guarantees:

 

		8.	4.2.1
                                         He/she will provide true, accurate and complete information of him/herself and of the
                                         loan;

 

		9.	4.2.2
                                         He/she will provide the information of outstanding borrowing from all P2P lending information
                                         agencies;

 

		10.	4.2.3
                                         The loan project is true and legal and the loan funds will be used for stipulated purposes
                                         instead of for other purposes such as lending.

 

		11.	4.2.4
                                         He/she will timely provide the use record and materials of loan funds as required by
                                         the lender or the Zhongbei financial platform;

 

		12.	4.2.5
                                         He/she will not use the loan for high-risk financing such as fund, stock, financing product,
                                         securities, time-bargain and equity capital investment;

 

		13.	4.2.6
                                         He/she will cooperate with the lender or the Zhongbei financial platform in loan payment
                                         management, post-loan management and related examinations, including but not limited
                                         to accepting the supervision and examination by the lender or the Zhongbei financial
                                         platform for the use condition of loans hereunder, timely providing true, accurate and
                                         complete information as required by the lender or the Zhongbei financial platform, and
                                         facilitating the aforementioned supervision and examination by the lender;

 

		14.	4.2.7
                                         He/she will report major information that influences or may influence the rights and
                                         interests of the lender according to the facts as agreed;

 

		15.	4.2.8
                                         He/she is provided with repayment ability matching the loan amount and will make repayment
                                         as per the stipulations herein;

 

		16.	4.2.9
                                         The balance of loans borrowed by the same natural person from the Zhongbei financial
                                         platform has a cap of RMB 200,000 Yuan; the balance of loans borrowed by the same legal
                                         person or other organizations from the Zhongbei financial platform has a cap of RMB 1
                                         million Yuan; the total balance of loans borrowed by the same natural
                                         person from different P2P lending information agencies has a cap of RMB 1 million Yuan;
                                         the total balance of loans borrowed by the same legal person or other organizations from
                                         different P2P lending information agencies has a cap of RMB 5 million Yuan; 

 

    4

     

    

 

		17.	4.2.10
                                         He/she has not issued the financing project information hereunder publicly otherwise
                                         than on the Zhongbei financial platform, and has not made repeated financing via multiple
                                         P2P lending information agencies, or by changing the project name or making immaterial
                                         alteration to project content, etc.;

 

		18.	4.2.11
                                         He/she will use the Zhongbei financial platform for legal purposes and will not engage
                                         in any illegal behaviors or disciplinary offence via the Zhongbei financial platform
                                         (including but not limited to any illegal acts endangering national security, money laundering,
                                         cashout, and pyramid selling) ;

 

		19.	4.2.12
                                         Other obligations as stipulated herein and by other related agreements.

 

		20.	4.3
                                         The Zhongbei financial platform makes following warranties and guarantees:

 

		21.	4.3.1
                                         The Zhongbei financial platform will not violate current laws and regulations as well
                                         as supervision stipulations and will keep related network logs, information content and
                                         transaction files, etc. hereunder of the lender and the borrower for at least more than
                                         5 years from the date of finishing performance of the loan project;

 

		22.	4.3.2
                                         The services hereunder promised to be provided by the Zhongbei financial platform for
                                         the lender and the borrower conform to the laws and regulations as well as supervision
                                         stipulations.

 

	5.	Confidentiality
                                         

 

		1.	5.1
                                         Each party shall be obliged to keep confidential the cooperation content hereunder and
                                         the data, materials, client information and other information obtained from the other
                                         parties hereto in accordance with the law, and in no circumstances shall each party provide
                                         or disclose the aforementioned information to any third party or use the same for any
                                         purpose otherwise than the purposes stipulated herein without written authorization by
                                         the other parties hereto.

 

		2.	5.2
                                         Each party shall be exempted from the corresponding responsibility of confidentiality
                                         for the following information: The information obtained by the public via legal means;
                                         the information obtained from a third Party and not violating any responsibility of confidentiality;
                                         the information required to be disclosed in accordance with Chinese laws and regulations
                                         or by judicial, administrative and financial supervision organs.

 

		3.	5.3
                                         The responsibilities of confidentiality as stipulated in this clause shall not be terminated
                                         upon alteration, rescission or termination of this agreement.

 

	6.	Force
                                         majeure 

 

		1.	6.1
                                         The force majeure refers to the unforeseeable, unavoidable and insurmountable objective
                                         situations, including but not limited to natural disasters, wars, acts of governments,
                                         strikes, adjustments required by national policies and supervision requirements and other
                                         similar events.

 

		2.	6.2
                                         Any party that finds the force majeure event that may cause impossible or delayed performance
                                         of this agreement shall, within 7 days after the outbreak of the force majeure event,
                                         notify the other two parties and issue to them the certification provided by the related
                                         competent department, proving impossible performance of this agreement due to force majeure.
                                         The other two parties shall be entitled to terminate this agreement if the force majeure
                                         event causes any party to be unable to perform this agreement for more than 30 days and
                                         the force majeure still continues. In case of a force majeure event, delayed, partial
                                         or no performance of this agreement shall be permitted, and the liability for breach
                                         of contract shall be partially or wholly exempted in accordance with the actual situation.

 

    5

     

    

 

	7.	Intellectual
                                         property rights 

 

		1.	7.1
The Zhongbei financial platform shall possess all its intellectual property rights, which shall include but not limited to all
developed systems, services provided, all content hereof, product names, trade mark rights, patent rights, copyrights, website
names, website architecture, website design, pictures and archives. 

 

		2.	7.2
Unless approved in writing by the Zhongbei financial platform, the lender and the borrower shall not use, alter, duplicate, publicly
propagate, change, spread, issue or publish the aforementioned intellectual property rights of the parties hereto, and shall keep
the same confidential.

 

	8.	Liability
                                         for breach of contract 

 

		1.	8.1
                                         Each party shall strictly perform the obligations stipulated herein, and no party shall
                                         rescind this agreement unless all parties reach a consensus after negotiation or the
                                         rescission is in accordance with the stipulations herein.

 

		2.	8.2
                                         The borrower is in default in case of one or several of following situations:

 

		3.	8.2.1
                                         The borrower violates any of his/her warranties or guarantees made herein;

 

		4.	8.2.2
                                         Any property of the borrower is confiscated, expropriated, sealed up, detained or frozen,
                                         etc., which may influence his/her performance capacity, and effective remedial measures
                                         fail to be timely adopted;

 

		5.	8.2.3
                                         The financial status of the borrower is subjected to adverse changes influencing his/her
                                         performance capacity, and effective remedial measures fail to be timely adopted;

 

		6.	8.3
                                         Where the borrower is in default, or will possibly encounter any event of default as
                                         reasonably judged by the Zhongbei financial platform or the lender, the lender shall
                                         be entitled to adopt or entrust and authorize the Zhongbei financial platform to adopt
                                         one or several of following relief measures:

 

		7.	8.3.1
                                         Disclose the borrower’s loan situation (including overdue condition, malicious
                                         or unfavorable conditions) to the supervision authority, the judicial authority and other
                                         organs that have the right to know the situation.

 

		8.	8.3.2
                                         Immediately defer or cancel granting the whole or part of loans;

 

		9.	8.3.3Adopt
                                         other relief measures as stipulated by the laws, regulations and this agreement.

 

		10.	8.4
                                         Where the borrower is in serious breach of contract (including but not limited to overdue
                                         payment of any installment by more than 30 days, or overdue payment of three or more
                                         installments continuously, or overdue payment of five or more installments accumulatively,
                                         or possible occurrence of the event of serious breach of contract to the borrower as
                                         reasonably judged by the Zhongbei financial platform or the lender, and the lender, upon
                                         audits and confirmation by the Zhongbei financial platform, entrusts and authorizes the
                                         Zhongbei financial platform to declare that all the granted loan is due in advance and
                                         this agreement is rescinded, the borrower shall repay all the repayable sum and other
                                         service fees and/or commissions repayable to the Zhongbei financial platform and/or its
                                         cooperative institutions within a deadline after receiving the aforementioned notifications
                                         from the lender and/or the Zhongbei financial platform.

 

	9.	Governing
                                         law and dispute settlement 

 

		1.	9.1
                                         The conclusion, performance, termination and interpretation of this agreement shall be
                                         governed by Chinese laws.

 

		2.	9.2
                                         The disputes or dissension arising from performance of this agreement shall be settled
                                         via friendly negotiation. If the negotiation fails, each party shall be entitled to institute
                                         legal proceedings in the people’s court in the conclusion place of this agreement.

 

	10.	Notification
                                         and service 

 

		1.	10.1
                                         The notification and/or documents issued by any party for the purpose of performing this
                                         agreement shall be in writing, and shall be served by hand or via registered email, express
                                         mail service, message or email, etc.

 

		2.	10.2
                                         The notification shall be regarded served on the following dates:

 

		3.	10.2.1
                                         The date when the notification is delivered by hand to the opposite party in the case
                                         of delivery by hand;

 

		4.	10.2.2
                                         Within three working days after the notification is sent off (according to the postmark)
                                         in the case of notifying via express mail service or registered letter (postage prepaid);

 

    6

     

    

 

		5.	10.2.3
                                         The moment of successful sending of the notification message in the case of notifying
                                         via message (including sending a message to the account in the Zhongbei financial platform,
                                         and APP push notifications);

 

		6.	10.2.4
                                         The moment of successful sending of an email in the case of notifying via email.

 

		7.	10.3
                                         The contact mode registered by each party with the Zhongbei financial platform shall
                                         be respective effective communication mode.

 

		8.	10.4
                                         In case of changes in the following information of the lender or the borrower during
                                         validity of this agreement, they shall provide the changed information to the Zhongbei
                                         financial platform or its cooperative institutions within three days after the change.
                                         The information changes shall comprise: Changes in the lender’s/borrower’s,
                                         their respective family contact and the emergent contact as well as their phone numbers,
                                         and changes in work unit, address, phone number of domicile, mobile number, email, and
                                         bank account. The losses or extra costs incurred by any party’s failure to timely
                                         provide the aforementioned changed information shall be borne by such party itself.

 

	11.	Miscellaneous
                                         

 

		1.	11.1
This agreement is concluded via the form of electronic data. The act of online clicking to confirm this agreement by the lender
and the borrower via the Zhongbei financial platform shall constitute the conclusion of this agreement (The concrete clicking
mode shall be subject to the actual operation), and this agreement shall be validated immediately when the fund is transferred
out from the lender’s account if the lender is to transfer the loan amount to the collecting account of him/herself or of
others designated by the borrower. This agreement shall be automatically terminated when the borrower wholly repays the repayable
sum hereunder and the service fee and/or commissions repayable by the borrower to the Zhongbei financial platform and/or its cooperative
institutions. Where the corresponding borrowing demand of the borrower fails to be entirely met within twenty (20) working days
(raising period) from the conclusion date of this agreement, this agreement shall also be automatically terminated from the twentieth
(20th) working day.

 

		2.	11.2
                                         Each party may modify and supplement this agreement via a written agreement, and Party
                                         C will announce the modification and supplementation to this agreement on the Zhongbei
                                         financial platform (via modes including but not limited to bulletin of website, message,
                                         and mobile APP). The lender and the borrower shall timely query relevant information
                                         via the announcement modes specified herein. Where the lender and the borrower do not
                                         raise any objection in writing to the Zhongbei financial platform within a reasonable
                                         term, this shall be regarded as their recognition of aforementioned modification and
                                         supplementation by the Zhongbei financial platform. The modification and supplementation
                                         shall be constituents hereto with equal legal effects.

 

		3.	11.3
This agreement and the modification or supplementation hereto shall be made in electronic texts via the Zhongbei financial platform,
either in one or multiple copies, which shall have equal legal effects and shall be permanently kept on a dedicated server designated
by Party C for future reference and safekeeping. Each party recognizes the force of agreement of this form.

 

		4.	11.4
Any clause herein violating the governing laws and regulations shall be voided without prejudice to the validity of other clauses
in this agreement.

 

    7

     

    

 

(This
page is the signature page of Loan Agreement , and has no text below)

 

Party
A: See the list of lenders for details

Signed
on MM DD YY

 

Party
B:

Signed
on MM DD YY

 

Party
C: Sichuan Zhongbei Technology Co., Ltd.

Signed
on MM DD YY

 

 

8

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