Document:

EX-10.21

 Exhibit 10.21 

*** CERTAIN MATERIAL (INDICATED BY THREE ASTERISKS IN BRACKETS) HAS BEEN OMITTED FROM THIS DOCUMENT BECAUSE IT IS BOTH (1) NOT MATERIAL AND
(2) WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. 
 Contract No.:0020000071-Year 2020 (Changping) No. 00109 

Small Business Loan Agreement 

(2020 version) 
  

 
 Important Notice: This Contract is entered into by the Parties in accordance with
laws and based on equality and free will, and the terms and conditions of this Contract fully reflect the genuine intention of the Parties hereto. In order to protect legal rights and interests of the Borrower, the Lender hereby draws the
Borrower’s special attention to the terms and conditions of this Contract in relation to each Party’s rights and obligations, in particular those in bold. 

			
	Lender:	  	Industrial and Commercial Bank of China Limited, Beijing Changping Sub-branch
		
	Person in Charge:	  	Su Yiping            Contact Person:                Liu Yang
		
	Address:	  	No. 35 West Gulou Road, Chang Ping District, Beijing
		
	Post Code:	  	100000
		
	Telephone:	  	[***]    Fax:                    /         
       
    Email:                    /              
  
		
	Borrower:	  	Genetron Health (Beijing) Company, Ltd.
		
	Legal Representative:	  	Wang Sizhen            Contact Person: Li Yangxing            Mobile: [***]
		
	Address:	  	3/F, Building 10, Sector 1, No. 8 Shengmingyuan Road, Zhongguancun Life Science Park, Huilongguan Town, Changping District, Beijing
		
	Post Code:	  	100000
		
	Telephone:	  	[***]    Fax:                    /         
       
    Email:                    /              
  

 [The Borrower shall provide accurate and complete information as required above to ensure that any future notices and
processes may be promptly served.] 
 After equal negotiations, the Lender and the Borrower enter into this Contract in relation to the provision of
relevant loan by the Lender to the Borrower. 
 Part I            General
Provisions 
  

	Article 1	 Purpose of Loan 

The loan hereunder shall be used for the purpose of procurement of raw materials and other daily operation. Without written consent of the Lender, the
Borrower may not use the loan for any purpose other than those listed below. The Lender may supervise the use of the proceeds of the loan. 
  

	Article 2	 Amount and Term of Loan 

 

	2.1	 The currency and amount of the loan hereunder shall be RMB10,000,000.00 (in words: Renminbi ten million
yuan) (if there is any inconsistency between the amount in figures and the amount in words, the amount in words shall prevail.) 

  

	2.2	 The term of the loan hereunder shall be 12 months, commencing from the first drawdown date under this Contract.

  

	2.3	 In respect of each drawdown, the drawdown date shall be the date on which the amount of such drawdown is
credited to the disbursement account, and the maturity date shall be the repayment date as stated on the receipt of loan (or in case of repayment in installments, the maturity date shall be determined in accordance with the repayment schedule as
provided in this Contract or otherwise agreed by the Parties hereto), provided that the repayment date of any drawdown shall not extend beyond the term of the loan hereunder. 

	Article 3	 Interest Rate and Interest 

 

	3.1	 [Determination of Interest Rate for RMB Loans] 

The interest rate for RMB loans shall be determined as follows: 

The loan interest rate for each loan shall be the benchmark interest rate plus the floating margin (in basis points), where the benchmark
interest rate shall be the one-year (one-year/five-year or above) loan prime rate (LPR) published by the National Interbank Funding Center on the
business day immediately preceding the contract effectiveness date (drawdown date/contract effectiveness date) for such loan, and the floating margin shall be minus (plus/minus) 40 basis points (for the purpose of this Contract,
one basis point is 0.01%). If no applicable LPR is published by the National Interbank Funding Center on the business day immediately preceding the interest rate fixing day, the benchmark interest rate shall be determined on the basis of the LPR
published by the National Interbank Funding Center on the date which is two business days prior to the interest rate fixing day; if there is still no applicable LPR published on such date, the benchmarking date will go back one more business day,
and so on, until an applicable LPR is available. The interest rate for each loan will be adjusted after drawdown in accordance with paragraph A (A/B) below: 
  

	 	A.	 The loan interest rate will be adjusted every 12 (1/3/6/12) month(s) (Interest Period) and the loan
interest for each Interest Period shall be calculated according to the loan interest rate applicable to such Interest Period. The interest rate fixing date of the second and each subsequent Interest Period shall be the same numerical date in the
month of adjustment as the drawdown date, and the Lender will adjust the loan interest rate on such interest rate fixing date in accordance with the LPR published by the National Interbank Funding Center on the business day immediately preceding
such date, and the applicable floating margin. If there is no same numerical date in the month of adjustment as the drawdown date, the loan interest fixing rate for such Interest Period shall be determined on the last day of such month of
adjustment. 

  

	 	B.	 The interest rate will not be adjusted during the entire term of the loan. 

 

	3.2	 [Determination of Interest Rate for Foreign Currency Loans] 

Interest rate for foreign currency loans shall be determined in accordance with Item
    /     (1/2/3) below: 
  

	 	(1)	 Fixed interest rate at     /    % per annum, which shall
remain unchanged within the term of this Contract. 

  

	 	(2)	 Floating interest rate. The loan interest rate shall be
    /        -month
            /             (LIBOR/HIBOR) (the benchmark interest rate) plus a margin equal to
             basis point(s) (a basis point is equal to 0.01%). The margin shall remain unchanged within the term of this Contract. If the Borrower makes more than one drawdown, the
loan interest rate for each drawdown shall be calculated separately. After the Borrower makes drawdown, the benchmark interest rate will be adjusted in accordance with Item     /     (A/B) below,
and the loan interest for each Interest Period shall be calculated according to the loan interest rate as adjusted and applicable to such Interest Period: 

  

	 	A.	 The loan interest rate will be adjusted every     /    
(1/3/6/12) month(s). The benchmark interest rate applicable to each interest period subsequent to the initial period shall be determined on the same numerical date in the month of such adjustment as the drawdown date. If there is no same numerical
date in the month of adjustment as the drawdown date, the benchmark interest rate for such period shall be determined on the last day of such month of adjustment; or 

	 	B.	 the benchmark interest rate for each interest period shall be adjusted on the first day of such interest
period. 

  

	 	(3)	 Others:
                                         
                                         
                  . 

  

	3.3	 The loan interest hereunder shall accrue from the actual drawdown date on a daily basis, and be settled every
month (month/quarter/half year). Upon the maturity of the loan, all outstanding interest shall be paid together with the principal. The daily interest rate shall be the applicable annual interest rate/360. 

 

	3.4	 Default interest will be imposed at a rate equal to   40% of the corresponding loan interest
rate on any overdue amount (overdue default interest rate), or at a rate equal to   100% of the corresponding loan interest rate on any amount that is used for any purpose other than those set out hereunder (misappropriation default
interest rate). 

  

	Article 4	 Drawdown 

  

	4.1	 The Borrower shall make drawdown according to its actual need for fund in accordance with paragraph
  2  (1/2/3) below: 

  

	 	(1)	 The Borrower will make a full drawdown of the loan in one lump sum prior to
            /            ; 

  

	 	(2)	 The Borrower will draw down the loan in full in one or more installments during the period from the
effectiveness date of this Contract to 31 December 2020; or 

  

	 	(3)	 The Borrower will make multiple drawdown in accordance with the schedule below. If the Borrower intends to
change the time or amount of any drawdown, it shall obtain the consent of the Lender, provided that the loan shall be withdrawn in full no later than
            /            . 

 

					
	 Drawdown time
	  	Drawdown amount	 
	 /
	  	 	/	 
	 /
	  	 	/	 
	 /
	  	 	/	 

  

	4.2	 The Lender has the right to cancel all or part of the unutilized part of the facility, if the Borrower fails
to make drawdown in accordance with this Contract. 

  

	Article 5	 Repayment 

  

	5.1	 The Borrower shall repay the loans hereunder in accordance with paragraph (1) (1/2) below:

  

	 	(1)	 the Borrower shall fully repay the loan in one lump sum upon its maturity. 

 

	 	(2)	 the Borrower shall repay the loan in installments according to the following schedule (if there is not enough
space below, please state the repayment schedule on a separate page): 

					
	 Time of repayment
	  	Amount of repayment	 
	 /
	  	 	/	 
	 /
	  	 	/	 
	 /
	  	 	/	 
	 /
	  	 	/	 
	 /
	  	 	/	 
	 /
	  	 	/	 
	 /
	  	 	/	 
	 /
	  	 	/	 
	 /
	  	 	/	 
	 /
	  	 	/	 
	 /
	  	 	/	 
	 /
	  	 	/	 

  

	5.2	 If the loan hereunder falls in any of the following events, the Borrower shall immediately repay the loan
upon receipt of relevant fund: 

                       
         /                               
  
  

	Article 6	 Security 

If the security for the loan hereunder is a security with a maximum secured amount, the relevant security contract (with the maximum secured amount) is
                /                 (1/2/3, multiple options may be selected)

  

	1.	 Guarantee contract (with the maximum secured amount) (No.:
                /                ) 

Guarantor:
                        /               
          
  

	2.	 Mortgage contract (with the maximum secured amount) (No.:
                /                ) 

Mortgagor:
                        /               
                  
  

	3.	 Pledge contract (with the maximum secured amount) (No.:
                /                ) 

Pledgor:
                        /               
                  
  

	Article 7	 Financial Covenants (optional clause: this article is not applicable (applicable/not
applicable)) 

 Within the term of this Contract, the Borrower shall comply with the following covenants in relation to financial
indicators: 

                         
       /                                

	Article 8	 Dispute Resolution 

All disputes under this Contract shall be solved in accordance with paragraph
        (2)         (1/2) below: 
  

	(1)	 Such dispute shall be submitted to
                /                Arbitration Commission for arbitration at
                /                (place of arbitration) in accordance with
the arbitration rules of such commission in force upon submission of arbitration application. The arbitration award shall be final and binding upon both parties; or 

 

	(2)	 Such dispute shall be submitted to the jurisdiction of the competent court of the place where the Lender is
located. 

  

	Article 9	 Miscellaneous 

 

	9.1	 This Contract is made in     three     copies, with each of the
Borrower, the Lender and the Guarantor holding     one     copy, each of which shall have the equal legal effect. 

 

	9.2	 The following appendices and other appendices as confirmed by both parties shall constitute integral part of
this Contract and have the equal legal effect as this Contract: 

 Appendix 1:     Form of Drawdown
Notice 
 Appendix 2:     Entrusted Payment Agreement 

 

	9.3	 Please contact 95588 or the outlets of the Lender if you want to make an enquiry (or file a complaint).

  

	Article 10	 Other Matters Agreed by the Parties 

1.         Within the term of the loan hereunder, the percentage of the Borrower’s sale revenue received
through ICBC of the Borrower’s total revenue shall not be lower than the percentage of the amount lended by ICBC to the Borrower of the total bank financing obtained by the Borrower. 

2.         Within the term of the loan, the Borrower shall not, without the written consent of ICBC, borrow any
loans from any other banks for working capital purpose, or create any form of security over its owned assets (including contingent assets), or provide any guarantee with joint and several liability for any third party financing. ICBC may declare
that the loan hereunder is immediately due and payable if the Borrower is in breach of this paragraph. 

 Part II             Specific
Provisions 
  

	Article 1	 Interest Rate and Interest 

 

	1.1	 The LIBOR applicable to a foreign currency loan hereunder shall be the inter-bank offered rate applicable to
the currency of such loan as shown on the “LIBO=” page of the Reuters’ financial messaging terminal at 11:00 am (London time) on the day that is two bank business days prior to the drawdown date or the benchmark interest rate
adjustment date; the HIBOR shall be the inter-bank offered rate applicable to Hong Kong Dollar as shown on the “HIBO=” page of the Reuters’ financial messaging terminal at 11:15 am (Hong Kong time) on the day that is two bank business
days prior to the drawdown date or the benchmark interest rate adjustment date. If there is any material change to the fixing method of LIBOR or HIBOR, the applicable business rules effective at the time shall apply. 

 

	1.2	 If the loan hereunder adopts a floating interest rate, the interest rate will continue to be adjusted in
accordance with the original adjustment rules after such loan is overdue. 

  

	1.3	 If interest is settled on a monthly basis, the settlement date shall be 20th day of each month; if interest is settled on a quarterly basis, the settlement date shall be 20th day of the last month of each quarter; and if
interest is settled on a half-year basis, the settlement date shall be 20 June and 20 December of each year. 

  

	1.4	 The first interest period shall commence from the actual drawdown date to the first interest settlement date;
the last interest period shall commence from the day immediately following the end of the preceding interest period to the final repayment date; and each of the other interest period shall commence from the day immediately following the end of the
preceding interest period to the next interest settlement date. 

  

	1.5	 Loan interest = principal x daily interest rate x actual days of usage. If the equal principal and interest
method is adopted, the amount of each installment of principal and interest shall be calculated using the following formula: 

  

									
	Each installment of principal and interest	 	 = 	 	   principal x installment interest
rate x (1 + installment interest rate)number of installments
	 	            	 	            
	 	(1 + installment interest rate)number of installments –1	 		 	

  

	1.6	 If the People’s Bank of China adjusts the method to determine the loan interest rates, relevant
provisions of the People’s Bank of China in relation to such adjustment shall apply to this Contract without requiring any further notice from the Lender to the Borrower. 

 

	1.7	 If at the time of execution of this Contract, the loan interest rate is determined as the LPR published by
the National Interbank Funding Center minus certain basis points, the Lender has the right to review the interest rate discount offered to the Borrower on an annual basis, and decide at its own discretion to cancel all or part of the interest rate
discount offered to the Borrower, based on the change of applicable government policies, the creditworthiness of the Borrower and the security package of the loans, provided that such cancellation shall be promptly notified to the Borrower. 

  

	Article 2	 Disbursement and Payment of Loan 

 

	2.1	 The Lender has no obligation to disburse any loan to the Borrower until all following conditions have been
satisfied by the Borrower or waived by the Lender: 

  

	 	(1)	 except for unsecured loans, the Borrower has provided security as required by the Lender and completed relevant
formalities for provision of such security, and there is no change to such security which may have adverse impact on the Lender; 

	 	(2)	 the representations and warranties made by the Borrower under this Contract remain true, accurate and complete
at the time of each drawdown, and there is no default event occurring under this Contract or any other contract between the Borrower and the Lender; 

  

	 	(3)	 the purpose of loan as stated in the supporting documents provided by the Borrower is consistent with the
purpose as agreed hereunder; and 

  

	 	(4)	 all other materials as requested by the Lender have been delivered to the Lender. 

 

	2.2	 If the proceeds of the loan hereunder are to be used for investment in fixed assets, the Borrower shall, in
addition to the conditions as set out in Article 2.1 above, satisfy the following conditions: 

  

	 	(1)	 the project for which the proceeds of the loan are to be used has been approved, verified by or filed with the
relevant government authorities (if necessary); 

  

	 	(2)	 the capital or other ancillary funding of the project for which the proceeds of the loan are to be used has
been funded according to the agreed schedule and percentage; 

  

	 	(3)	 there is no cost overrun or any cost overrun has been covered by the Borrower through self-financing; and

  

	 	(4)	 the construction of the project has progressed according to the plan and the actual progress of the project is
consistent with the amount that has been invested in such project. 

  

	2.3	 When applying for drawdown, the Borrower shall submit a drawdown notice to the Lender at least 5 bank business
days prior to the proposed drawdown date. Once submitted, a drawdown notice will be irrevocable unless otherwise agreed by the Lender in writing. The Borrower shall affix the receipt of loan with its company seal or financial seal which is
consistent with the seal sample retained for the disbursement account as designated in the drawdown notice. The Borrower hereby confirms that if the retained seal samples include both the company seal and the financial seal, a receipt of loan
affixed with either or both of such seals shall be a valid receipt of loan. 

  

	2.4	 After all conditions precedent to drawdown have been satisfied by the Borrower or waived by the Lender, the
Lender will remit the loan into a designated account of the Borrower. Such remittance shall be deemed as the disbursement of the loan by the Lender to the Borrower in accordance with this Contract. 

 

	2.5	 If the entrustment payment arrangement shall be adopted for the drawdown and use of a loan in accordance with
relevant regulatory requirement and management requirement of the Lender, the Lender will, upon and in accordance with drawdown request and payment entrustment issued by the Borrower, pay the proceeds of the loan to relevant payees for the purpose
as agreed under this Contract. For this purpose, the Borrower shall enter into an entrusted payment agreement with the Lender, which shall be attached hereto as an appendix, and shall open or designate a dedicated account with the Lender for such
entrusted payment. 

  

	Article 3	 Repayment 

  

	3.1	 The Borrower shall repay the principal of and pay the interest on the loan hereunder and other amount payable
in accordance with the amount and schedule as required under this Contract. The Borrower shall, on the day that is one bank business day prior to the repayment date and each interest settlement date, deposit into a repayment account opened by the
Borrower with the Lender sufficient fund to repay the principal, interest and other amount to be paid on such repayment date or interest settlement date. The Lender may transfer an amount equal to such principal, interest and other amount payable
out of such account on such repayment date and interest settlement date without further instruction from the Borrower, or require the Borrower to cooperate in completing relevant formalities for such transfer. If the balance of the repayment account
is not sufficient to pay all amount to be paid by the Borrower, the Lender may decide the priority sequence of each item to be settled. 

	3.2	 If the Borrower applies for prepayment of all or part of the loan, it shall submit a written application to the
Lender for its approval 10 bank business days prior to such prepayment. 

  

	3.3	 If the Lender approves any prepayment, the Borrower shall fully pay on the prepayment date all principal,
interest and other amounts due and payable as of such prepayment date hereunder. 

  

	3.4	 The Lender may require the Borrower to early repay any loan based on the Borrower’s collection of
receivables.  

  

	3.5	 The applicable interest rate grade (based on term of loan) will not change if the actual term of loan is
shortened due to any prepayment by the Borrower or early repayment as required by the Lender in accordance with this Contract. 

  

	Article 4	 Security 

  

	4.1	 Except for unsecured loans, the Borrower shall provide legal and effective security acceptable to the Lender
for the performance of its obligations hereunder. A security contract will be entered into separately. 

  

	4.2	 The Borrower shall promptly notify the Lender of any damage, depreciation, title dispute, seizure or attachment
of the collateral hereunder, or unauthorized disposal of the collateral by the mortgagor, or any adverse change to the guarantor’s financial condition, or any other adverse change to the claims of the Lender, and provide other security that is
acceptable to the Lender. 

  

	4.3	 The Lender may conduct regular or ad hoc review of the value of the collaterals and the guarantee capability of
the guarantor. If after such review, the Lender considers that the value of the collaterals or the guarantee capability of the guarantor has diminished, the Borrower shall provide additional security or guarantee equivalent to such diminished part
of the value of the collateral or the guarantee capability of the guarantor, or provide other security or guarantee acceptable to the Lender. 

  

	4.4	 Where upon the approval of the Lender, the loan hereunder is secured by a pledge over accounts receivable, the
Lender may declare that the loan becomes immediately due and payable, and require the Borrower to immediately repay all or part of the principal and pay the interest of the loan, or provide additional legal, effective and sufficient security
acceptable to the Lender, if any of the following events occurs within the term of this Contract: 

  

	 	(1)	 the bad debt ratio in relation to accounts receivable by the pledgor from the payer of such accounts receivable
increases for two consecutive months; 

  

	 	(2)	 the accounts receivable that are due but not recovered by the pledgor from the payer of such accounts
receivable represent at least 5% of the total outstanding accounts receivable to be paid by such payer to the pledgor; or 

  

	 	(3)	 any trade dispute (including without limitation dispute over quality, technology or service) or debt dispute
arises between the pledgor of the accounts receivable and relevant payer or other third party, which may prevent the accounts receivable from being settled when they become due. 

	Article 5	 Account management 

 

	5.1	 If the proceeds of the loan hereunder are to be used for the Borrower’s production, operation or other
working capital purpose, the Borrower shall designate a special collection account with the Lender, which will be used to collect relevant sales revenue or fund to be used to repay the loan. If any sales revenue is settled by non-cash method, the Borrower shall ensure that the proceeds of such revenue will be promptly transferred into the special collection account when it receives the same. 

 

	5.2	 The Lender may supervise on the special collection account, including without limitation monitoring and
supervising income and expenditure of such account, and the Borrower shall cooperate with the Lender in such supervision. If requested by the Lender, the Borrower shall enter into an account supervision agreement with the Lender.

  

	Article 6	 Representations and Warranties 

The Borrower makes the following representations and warranties to the Lender, and these representations and warranties will remain valid and effective
within the term of this Contract: 
  

	6.1	 It is eligible to act as a borrower hereunder, and has all qualifications and capacity to enter into and
perform this Contract. 

  

	6.2	 It has obtained all necessary authorizations or approvals to enter into this Contract. Its execution and
performance of this Contract does not violate its articles of association, shareholders agreement, joint venture agreement, partnership agreement or any applicable laws or regulations, or conflict with any of its obligations under other contracts.

  

	6.3	 Its other debts have been repaid when they become due and it has not committed any malicious default in
repaying any principal or interest of bank loan. 

  

	6.4	 It has not committed any material violation of regulations or disciplines during its production and operation
in the past one year. Its current senior management has no material negative record. 

  

	6.5	 All documents and information provided by the Borrower to the Lender are true, accurate, complete and effective
and do not contain any false record, gross omission or misleading statement. 

  

	6.6	 It has not concealed from the Lender any litigation, arbitration or claim involving the Borrower.

  

	6.7	 If the proceeds of the loan hereunder are to be used by the Borrower for investment in fixed assets, the
relevant project and the borrowing of the loan for such project shall comply with the applicable laws and regulations. 

  

	Article 7	 Undertakings of the Borrower 

 

	7.1	 The Borrower undertakes to draw down and use the loan in accordance with the schedule and purpose as agreed
hereunder. The Borrower shall not use the proceeds of the loan hereunder for investment in securities or futures market, or any other purpose prohibited or restricted by applicable laws and regulations. 

 

	7.2	 The Borrower undertakes to settle principal, interest and any other amount payable in relation to the loan
hereunder in accordance with this Contract. 

  

	7.3	 The Borrower undertakes to accept and actively cooperate with the Lender’s check and supervision on use
of the proceeds of the loan (including purpose of the loan) including account analysis, voucher verification and on-site investigation, and to regularly summarize and report information on the use of proceeds
of the loan as requested by the Lender. 

	7.4	 The Borrower undertakes to accept credit check by the Lender, to provide true, accurate and complete financial
documents and other documents that reflect the Borrower’s ability to repay its debts (including all account banks, account numbers and balance of deposits) as requested by the Lenders, and to actively assist and cooperate with the Lender in
investigating, understanding and supervising its production, operation and financial conditions. 

  

	7.5	 The Borrower undertakes not to distribute any dividend or profit in any form when there is any principal,
interest or other amount which is due and payable (including those being declared immediately due and payable) but unpaid under this Contract.  

  

	7.6	 The Borrower undertakes to obtain prior written consent of the Lender, before it engages in any merger or
division, reduces its capital, changes its equity, creates equity pledge, joins or leaves a partnership, transfers material assets, assigns material debts, makes material external investment, incurs material additional debt financing, or takes any
other action that may cause an adverse impact on the Lender’s rights and interests. 

  

	7.7	 The Borrower undertakes to promptly notify the Lender upon the occurrence of any of the following events:

  

	 	(1)	 any change to its name, company seal, articles of association, place of domicile, legal representative or
principal, communication address, etc.; 

  

	 	(2)	 its winding-up, dissolution, liquidation, suspension of business,
revocation or cancellation of its business licence, or application (or be applied for) for bankruptcy; 

  

	 	(3)	 it is or may be involved in any material economic dispute, litigation or arbitration, or its assets are subject
to seizure, attachment or enforcement, or subject to any investigation or punishment by the competent judicial, taxation, industry and commerce authority; or 

  

	 	(4)	 any of its shareholders, directors, current senior management personnel or shareholders or investors is
suspected of major crime or involved in any material economic dispute. 

  

	7.8	 The Borrower undertakes to disclose its related party relationship and related party transaction to the Lender
in a prompt, complete and accurate manner. 

  

	7.9	 The Borrower undertakes to promptly confirm receipt of all notices sent by the Lender by post or any other
means. 

  

	7.10	 The Borrower undertakes not to dispose of its own assets in a way that will reduce its ability to repay its
debts. The Borrower undertakes not to provide security to the benefit of any third party in a way that will harm the Lender’s rights and interests. 

  

	7.11	 The Borrower undertakes to bear the expenses incurred by the Lender for realization of its claims hereunder,
including without limitation legal fees, and auction fees. 

  

	7.12	 The debt hereunder is senior to the debts owed by the Borrower to its shareholders, legal representative,
principal, partners, major investors or key management personnel, and ranks at least pari passu with other similar debts owed by the Borrower to other creditors. 

 

	7.13	 The Borrower undertakes to reinforce the management of environmental and social risks, and accept the
supervision and check by the Lender in this respect. If requested by the Lender, the Borrower shall deliver environmental and social risk reports to the Lender. 

	Article 8	 Undertakings of the Lender 

 

	8.1	 The Lender undertakes to disburse the loan to the Borrower in accordance with this Contract.

  

	8.2	 The Lender undertakes to keep confidential the non-public materials and
information in relation to the financial, production and operation conditions of the Borrower as provided by the Borrower, unless otherwise required by the applicable laws and regulations or agreed under this Contract. 

 

	Article 9	 Default 

  

	9.1	 The Borrower will be in default upon the occurrence of any of the following events: 

 

	 	(1)	 The Borrower fails to repay the principal, interest or other amount payable in relation to the loan hereunder
in accordance with this Contract, or fails to perform any other obligations hereunder, or breaches any of the representations, warranties or undertakings made by it hereunder; 

 

	 	(2)	 the Borrower fails to provide other security acceptable to the Lender when the security provided hereunder
suffers any change that is adverse to the claims of the Lender; 

  

	 	(3)	 the Borrower fails to settle any other debt when it becomes due (including due to accelerated maturity declared
by the creditor), or is in default or breach of any of its obligations under other agreements, which has affected or may affect performance of its obligations hereunder; 

 

	 	(4)	 the Borrower’s ability to make profit, repay debts or operate its business, or its financial indictors
such as cash flow do not meet the agreed standard or has deteriorated, which has affected or may affect performance of its obligations hereunder; 

  

	 	(5)	 there is any material adverse change to the production, operation or external investment of the Borrower, which
has affected or may affect performance of its obligations hereunder; 

  

	 	(6)	 the Borrower or any of its shareholders, legal representative, principal, partners, major individual investors
or key management personnel is or may be involved in any material economic dispute, litigation or arbitration, or its property is subject to attachment, seizure or enforcement, or the Borrower is investigated or punished by any competent judicial or
administrative authority in accordance with laws, or any media report that the Borrower has violated relevant regulations or policies of the State, which has affected or may affect performance of its obligations hereunder; 

 

	 	(7)	 there is any change to the equity or shareholding structure, partnership structure or joint venture structure
of the Borrower, or any partner, major individual investor or key management personnel of the Borrower has abnormal change, is missing, or is investigated or restricted of personal freedom by any competent judicial authority in accordance with the
laws, which has affected or may affect performance of the Borrower’s obligations hereunder; 

  

	 	(8)	 the Borrower fraudulently obtains any loan or credit facility from the Lender by using a false contract between
the Borrower and its related parties, or by alleging a transaction that does not actually exist, or intentionally uses related party transactions to evade from or invalidate the Lender’s claim; 

 

	 	(9)	 the Borrower is or may be under winding-up, dissolution, liquidation,
suspension of business, or its business licence has been or may be revoked or cancelled, or it has applied or been applied, or may apply or be applied, for bankruptcy; 

	 	(10)	 there is any liability accident or major environmental or social risk incident caused by the Borrower’s
violation of applicable laws and regulations, regulatory rules or industry standard in relation to food safety, production safety, environmental protection and the management of other environmental or social risks, which has affected or may affect
performance of its obligations hereunder; 

  

	 	(11)	 the legal representative, principal, partners, major individual investors or key management personnel of the
Borrower are involved in organized crime, use of drugs, gambling, smuggling or other illegal activities; 

  

	 	(12)	 the Borrower fails to promptly pay taxes or fees, or frequently fails to pay salary to its employees;

  

	 	(13)	 the legal representative, principal, partners, major individual investors or key management personnel of the
Borrower are in default in the repayment of their personal loans or credit card debts; or 

  

	 	(14)	 other events that may cause adverse impact on the realization of the Lender’s claim hereunder.

  

	9.2	 If the Borrower is in default, the Lender may take any one or more of the following steps:

  

	 	(1)	 the Lender may require the Borrower to remedy its default within a designated period;

  

	 	(2)	 the Lender may cease to disburse the loans and other amounts to the Borrower under this Contract or any
other contract between the Lender and the Borrower, and cancel all or part of the loan or other amount for which the Borrower has not made drawdown; 

  

	 	(3)	 the Lender may declare immediate maturity of all outstanding loans and other amounts under this Contract or
any other contract between the Lender and the Borrower, and require immediate repayment of such loans and amounts; 

  

	 	(4)	 the Lender may require the Borrower to compensate the Lender against all losses caused by such default of
the Borrower; and 

  

	 	(5)	 other steps that are set out under applicable laws and regulations, agreed under this Contract or deemed
necessary by the Lender. 

  

	9.3	 If the Borrower fails to repay any loan when it becomes due (including those declared immediately due and
payable), the Lender may impose default interest on the Borrower at the overdue default interest rate as agreed hereunder from the day immediately following the due date. Compound interest will accrue at the overdue default interest rate on any
interest (including default interest) that the Borrower fails to pay when it becomes due. The default interest/compound interest shall be settled in accordance with the interest settlement rule agreed hereunder. 

 

	9.4	 If the Borrower fails to use the loan for the purpose as agreed hereunder, the Lender may impose default
interest on the misappropriated part of the loan at the misappropriation default interest rate from the date of misappropriation. When the loan is being misappropriated, compound interest will accrue at the misappropriation default interest rate on
any interest (including default interest) that the Borrower fails to pay when it becomes due. The default interest/compound interest shall be settled in accordance with the interest settlement rule agreed hereunder. 

 

	9.5	 If both types of the default interest rates under Articles 9.3 and 9.4 are applicable to the Borrower, the
higher of the two interest rates will apply. The two types of default interest may not be applied at the same time. 

	9.6	 The Lender may make a public announcement in media to demand repayment if the Borrower fails to repay any
principal, interest (including penalty interest and compound interest) or any other amount payable as scheduled.  

  

	9.7	 If the control relationship between the Borrower and its related party has changed, or any related party of the
Borrower is in any event under Articles 9.1 (excluding Articles 9.1(1) and (2)), which has affected or may affect performance of the Borrower’s obligations hereunder, the Lender may take all steps as set out under this Contract.

  

	Article 10	 Deduction and Setoff 

 

	10.1	 If the Borrower fails to repay any debt due and payable hereunder (including those declared as immediately
due and payable) in accordance with this Contract, the Borrower agrees that the Lender may deduct relevant amount from all RMB and foreign exchange accounts opened by the Borrower with Industrial and Commercial Bank of China to set off such debt,
until all debts of the Borrower hereunder are fully settled. 

  

	10.2	 If the currency of deducted amount is different from that of the loan hereunder, the amount will be
converted in accordance with applicable exchange rate published by the Lender on the date of such deduction. The Borrower shall bear all interest and other expenses incurred between the deduction date and the actual settlement date (i.e. the date
when the debts hereunder are actually settled after the Lender converts the deducted amount into the currency of the loan hereunder in accordance with applicable State policies on administration of foreign exchange), as well as the difference caused
by fluctuation of exchange rate during such period. 

  

	10.3	 If the amount deducted by the Lender is insufficient to repay all debts owed by the Borrower, the Lender may
decide the priority sequence of each item to be settled.  

  

	Article 11	 Transfer of Rights and Obligations 

 

	11.1	 The Lender may transfer all or part of its rights hereunder to a third party, without consent of the Borrower.
The Borrower may not transfer any of its rights or obligations hereunder without written consent of the Lender. 

  

	11.2	 The Borrower acknowledges that the Lender or Industrial and Commercial Bank of China Limited (ICBC) may,
based on operation and management requirements, authorize or appoint another branch office of ICBC to perform the rights and obligations hereunder, or transfer the loan hereunder to another branch office of ICBC. Such transfer by the Lender does not
require further consent of the Borrower. The branch office of ICBC that is the transferee of the rights and obligations of the Lender hereunder may exercise all rights hereunder, and may in its own name initiate litigation or arbitration or apply
for enforcement in relation to the dispute hereunder. 

  

	Article 12	 Effectiveness, Amendment and Termination 

 

	12.1	 This Contract shall take effect on the date on which this Contract is affixed with the company seal or contract
seal by the Borrower and the Lender, and expire on the date when all of the Borrower’s obligations hereunder are fully discharged. 

  

	12.2	 Any amendment to this Contract shall be agreed on by the Parties and made in writing. Amended clauses or
amendment agreement shall constitute part of this Contract and have the equal legal effect as this Contract. The terms of this Contract which are not amended shall remain effective. The original terms of this Contract which are to be amended shall
remain effective until the relevant amendments take effect. 

	12.3	 Amendments to or termination of this Contract shall not affect each Party’s right to seek damages. The
dispute resolution clause hereof shall survive the termination of this Contract. 

  

	Article 13	 Governing Law and Dispute Resolution 

The execution, validity, interpretation, performance and dispute resolution of this Contract shall be governed by the laws of the People’s
Republic of China. All disputes and controversies arising from or in connection with this Contract shall be solved by the Borrower and the Lender through negotiations. If any dispute cannot or fails to be resolved through negotiations, it shall be
be solved by the means agreed hereunder. 
  

	Article 14	 Confirmation of the Address for the Service of Process 

 

	14.1	 The Borrower confirms that the address set out in the first page of this Contract shall be used as the address
for the service of process in relation to the dispute resolution procedures hereunder, including without limitation summons, hearing notices, judgments, awards, mediation agreements, and notices of performance within a designated period.

  

	14.2	 The Borrower agrees that the arbitration institution or court may use the fax number or email address set
out in the first page of this Contract for the purpose of serving the process of relevant arbitration or legal proceedings, except for judgments, awards and mediation agreements. 

 

	14.3	 The agreement on the service of process above applies to the proceedings of the first instance, the second
instance, retrial and enforcement. The arbitration institution or court may serve the process upon a party by directly sending the same to the address above by post. 

 

	14.4	 The Borrower shall ensure that its address, contact person, fax number, email address and other information
set out in this Contract are true and valid. If there is any change to such information, the Borrower shall promptly notify the Lender in writing of such change. If the Borrower fails to notify the Lender in writing of such change, the service of
any document made according to the original information shall be valid and effective, and the Borrower shall be solely liable for the legal consequences of such service. 

 

	Article 15	 Entire Agreement 

Part I (General Provisions) and Part II (Specific Provisions) of this Contract shall constitute a complete small business loan contract, and
the same term shall have the same meaning in both parts. Both parts above are applicable to the loan granted to the Borrower hereunder. 
  

	Article 16	 Notices 

  

	16.1	 All notices made by the Parties hereunder shall be sent in writing. Unless otherwise agreed, the address of
each Party as stated in this Contract will be its address for communication and contact. If the contact address or other contact information of a Party changes, such Party shall promptly notify the other Party of such change in writing.

  

	16.2	 If either Party hereto refuses to confirm receipt of a notice or a notice is otherwise unable to be delivered,
the Party sending such notice may serve such notice by means of notarization or public announcement. 

	Article 17	 Special Provisions in Relation to Value Added Tax 

 

	17.1	 The amount of the interest and fees payable by the Borrower to the Lender hereunder is inclusive of taxes.

  

	17.2	 If the Borrower requests that the Lender issues a value added tax invoice, it shall first register relevant
information with the Lender, including the full name, taxpayer identification number or social credit code, address, telephone number, account bank, and account number of the Borrower. The Borrower shall ensure that such information provided to the
Lender is true, accurate and complete, and provide the supporting documents as requested by the Lender. The specific requirements in relation to such information will be published by the Lender in the form of an announcement at its business outlets
or on its website. 

  

	17.3	 If the Borrower elects to collect the value added tax invoice by itself, it shall designate a person to collect
such invoice, by providing the Lender with a power of attorney affixed with its seal, which shall clearly state the identity certificate number and other information about such person. Such person shall present the original of his/her identity
certificate when collecting the invoice. If there is any change to such collecting person, the Borrower shall issue to the Lender a new power of attorney affixed with its seal. If the Borrower elects to receive the value added invoice by post, it
shall provide the accurate information that enables the delivery of such invoice by post. If there is any change to such information, the Borrower shall promptly notify the Lender in writing. 

 

	17.4	 The Lender may delay the issuance of a value added tax invoice, without assuming any liability, if it is unable
to promptly issue such value added tax invoice due to Act of God, government actions, abnormal social incidents or other force majeure, or any reason attributable to the taxation authority. 

 

	17.5	 If the Borrower fails to receive a relevant copy of a value added tax invoice or use a value added tax
invoice for deduction purpose due to any reason not attributable to the Lender, such as the missing, damage or expiration of such value added tax invoice after it is received by the Borrower or given by the Lender to a third party for posting, the
Lender will not be liable for the economic losses incurred by the Borrower due to such failure.  

  

	17.6	 If a value added tax special credit note is to be issued due to the reasons that any product sold is returned,
or the provision of taxable service is terminated, or there is any error in the issuance of an invoice, or the deduction copy or invoice copy cannot be verified, and the Borrower is required to submit an information form for issuance of a value
added tax special credit note to the taxation authority in accordance with the applicable laws, regulations and policies, then the Borrower shall submit such form to the taxation authority, and the Lender will issue a value added tax special credit
note after the taxation authority approves and notifies the Lender to issue the same. 

  

	17.7	 If there is any change to the statutory tax rate during the term of this Contract, the Lender may change the
price agreed hereunder according to the change to the statutory tax rate. 

  

	Article 18	 Miscellaneous 

 

	18.1	 Failure to exercise, partial exercise or delay in exercise by the Lender of any of its rights hereunder will
not constitute waiver of or amendment to such right or any other right, nor will it affect the Lender’s further exercise of such right or any other right. 

 

	18.2	 Invalidity or unenforceability of any provision hereof will not affect validity or enforceability of any other
provision hereof or validity of the whole Contract. 

  

	18.3	 If so required by applicable laws, regulations, or other financial regulators, the Lender may provide the
information related to this Contract and other information related to the Borrower to the credit information database of the People’s Bank of China or other credit database created in accordance with laws for duly qualified institutions or
individuals to check or use. The Lender may also enquire information related to the Borrower by using the credit information basic database of the People’s Bank of China or other credit database created in accordance with laws for purpose of
execution and performance of this Contract. 

	18.4	 The terms used in this Contract including “related party”, “related party relationship”,
“related party transaction”, “major individual investor” and “key management personnel” shall have the meaning given to them in the Accounting Standard for Business Enterprises No. 36—Disclosure of Related Parties
(Cai Kuai [2006] No. 3) issued by the Ministry of Finance of the People’s Republic of China and its amendments. 

  

	18.5	 The “environmental and social risk” referred to herein means the damage to the environment and
society and related risks that may arise from the construction, production and operation activities of the Borrower and its important related parties, including the environmental and social issues in relation to energy consumption, pollution, land,
health, safety, relocation and settlement, ecological protection and climate change. 

  

	18.6	 The documents and vouchers prepared and retained by the Lender in relation to the loan hereunder in
accordance with its business practice shall constitute valid proof of debt relationship between the Borrower and the Lender, and shall be binding upon the Borrower. 

 

	18.7	 In this Contract, (1) any reference to this Contract shall include all amendments and supplements to this
Contract; and (2) the headings are for reference only, and do not constitute any interpretation of this Contract, or restriction on contents or scope of provisions under such headings.. 

The Parties hereby confirm that all terms of this Contract have been fully negotiated by the Borrower and the Lender. The Lender has brought the
Borrower’s special attention to all terms in relation to the rights and obligations of each Party, asked the Borrower to fully and accurately understand all such terms, and upon the Borrower’s request, made explanation on relevant terms.
The Borrower has carefully read and fully understands all contractual terms hereof (including Part I (General Provisions) and Part II (Specific Provisions). The Borrower and the Lender have consistent understanding of this Contract, and have no
dispute over the terms of this Contract. 

 (This is the signage page, and contains no body text) 

Lender (seal): Industrial and Commercial Bank of China Limited, Beijing Changping Sub-branch 

Date: March 23, 2020 
 Borrower (seal): Genetron Health
(Beijing) Company, Ltd. 
 Date: March 25, 2020 
 I,
the undersigned, as the legal/authorized representative of the Borrower, hereby confirm that the Borrower borrows from the Lender in accordance with this Contract, that the seal affixed with this Contract is true and effective, and that all
procedures required for the borrowing of the loans hereunder have been completed. 
 Legal/authorized representative of the Borrower (signature):
        /s/ Sizhen
WangEX-10.22

 Exhibit 10.22 

*** CERTAIN MATERIAL (INDICATED BY THREE ASTERISKS IN BRACKETS) HAS BEEN OMITTED FROM THIS DOCUMENT BECAUSE IT IS BOTH (1) NOT MATERIAL AND
(2) WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. 
 RMB WORKING CAPITAL LOAN AGREEMENT 

Contact number: HTZ110660000LDZJ202000014 
 Borrower (Party A):
Genetron Health (Beijing) Company, Ltd. 
 Domicile: Room 201, 2/F, Building 11, Sector 1, No. 8 Shengmingyuan Road, Zhongguancun Life Science Park,
Huilongguan Town, Changping District, Beijing 
 Post code:102200 

Legal representative (principal): Wang Sizhen 
 Fax: 010-50907512 
 Tel: 010-50907513 

Lender (Party B): China Construction Bank, Beijing Chaoyang Sub-branch 

Domicile: No. B-10 Chaowai Avenue, Chaoyang District, Beijing 

Post code:100020 
 Principal: Lin Lin 

Fax: 010-65991052 
 Tel:
010-65991052 

 For the purpose of the daily operation of Party A, Party A applies with Party B for a loan, and Party
B agrees to extend a loan to Party A. In accordance with the applicable laws, regulations and rules, and after negotiations, the Parties enter into this Contract for mutual compliance. 

Article 1    Amount of Loan 
 Party A
borrows from Party B a loan in an amount of (in words) Renminbi thirty million yuan.  
 Article 2    Purpose of Loan and
Source of Repayment Funding 
 Party A shall use the proceeds of the loan for the daily production and operation. 

The specific purpose of the loan hereunder and the source of repayment funding are detailed in Appendix 1 (Basic Information about the Loan). 

Article 3    Term 
 The term of the
loan hereunder shall be twelve months, from March 19, 2020 to March 15, 2021. 
 If the
commencement date of the term set out hereunder is inconsistent with the commencement date set out in the loan disbursement certificate (for the purpose of this Contract, i.e., the receipt of loan), the actual disbursement date set out in the loan
disbursement certificate for the first disbursement hereunder shall prevail, and the maturity date set out in the first paragraph of this article shall be adjusted accordingly. 

The loan disbursement certificate shall be a part of this Contract, and have the equal legal force as this Contract. 

Article 4    Loan Interest Rate, Default Interest Rate, Interest Calculation and Settlement 

 

	I.	 Loan interest rate 

The loan interest rate set out hereunder shall be an annual interest rate, and shall be determined in accordance with paragraph
(I) below: 
  

	 	(I)	 a fixed interest rate, i.e., the LPR minus (plus/minus) 200 basis points (1 basis point =0.01%,
rounded to 0.01 basis point), which shall remain unchanged during the term of the loan; 

  

	 	(II)	 a floating interest rate, i.e., the LPR [BLANK] (plus/minus) [BLANK] basis points (1 basis point
=0.01%, rounded to 0.01 basis point), which will be adjusted every [BLANK] months from the value date to the date of the full repayment of all principal and interest payable hereunder based on the LPR on the business day immediately preceding
the interest rate adjustment date plus/minus the basis points above. The interest rate adjustment date shall be the same numerical date in the month of adjustment as the value date, or if there is no same numerical date in the month of adjustment as
the value date, the last day of the month of adjustment; or 

  

	 	(III)	 [BLANK] 

  

	II.	 Default interest rate 

 

	 	(I)	 If Party A fails to use the proceeds of the loan for the purpose agreed hereunder, default interest will accrue
on such misappropriated amount at a default interest rate equal to 200% of the loan interest rate. If the loan interest rate is adjusted according to Article 4.I.(II) above, the default interest rate shall be adjusted according to such
adjusted loan interest rate and the mark-up set out above. 

  

	 	(II)	 If Party A fails to repay the loan hereunder when due, default interest will accrue on such overdue amount at a
default interest rate equal to 150% of the loan interest rate. If the loan interest rate is adjusted according to Article 4.I.(II) above, the default interest rate shall be adjusted according to such adjusted loan interest rate and the mark-up set out above. 

  

	 	(III)	 If the overdue default interest and the misappropriation default interest are applicable to the loan at the
same time, the default interest and compound interest shall accrue at the higher of the overdue default interest rate and the misappropriation default interest rate. 

	III.	 The “value date” referred to in this article means the date on which the proceeds of the first
disbursement of loan hereunder are credited to the disbursement account agreed under Article 6 of this Contract (the Disbursement Account). The LPR hereunder shall be determined according to the paragraph (2) below:

  

	 	(1)	 At the time of the first disbursement hereunder, the LPR shall be the
one-year loan prime rate (1Y LPR) published by the National Interbank Funding Center on the business day immediately preceding the effectiveness date of this Contract. When the loan interest rate is
subsequently adjusted according to the provisions above, the LPR shall be the 1Y LPR published by the National Interbank Funding Center on the business day immediately preceding such adjustment date. 

 

	 	(2)	 At the time of the first disbursement hereunder, the LPR shall be the
one-year loan prime rate (1Y LPR) published by the National Interbank Funding Center on the business day immediately preceding the value date. When the loan interest rate is subsequently adjusted according to
the provisions above, the LPR shall be the 1Y LPR published by the National Interbank Funding Center on the business day immediately preceding such adjustment date. 

 

	 	(3)	 At the time of the first disbursement hereunder, the LPR shall be the five-year loan prime rate (5Y LPR)
published by the National Interbank Funding Center on the business day immediately preceding the effectiveness date of this Contract. When the loan interest rate is subsequently adjusted according to the provisions above, the LPR shall be the 5Y LPR
published by the National Interbank Funding Center on the business day immediately preceding such adjustment date. 

  

	 	(4)	 At the time of the first disbursement hereunder, the LPR shall be the five-year loan prime rate (5Y LPR)
published by the National Interbank Funding Center on the business day immediately preceding the value date. When the loan interest rate is subsequently adjusted according to the provisions above, the LPR shall be the 5Y LPR published by the
National Interbank Funding Center on the business day immediately preceding such adjustment date. 

  

	IV.	 The loan interest will start to accrue on a daily basis from the date on which the proceeds of the loan are
credited to the Disbursement Account, and the daily interest rate = the annual interest rate/360. If Party A fails to pay interest on the interest settlement date agreed hereunder, compound interest will accrue on such unpaid interest from the day
immediately following its due date. 

  

	V.	 Interest settlement 

  

	 	(I)	 If a fixed interest rate is adopted, the interest shall be calculated and settled at the agreed interest rate.
If a floating interest rate is adopted, the interest will be calculated at the interest rate applicable to each floating period. If the interest rate changes multiple times during an interest settlement period, the interest accrued in each floating
period will be calculated separately, and the interest payable in respect of such interest settlement period shall be the sum of the interest accrued in all such floating periods. 

 

	 	(II)	 The interest on the loan hereunder shall be settled in accordance with paragraph (2) below:

  

	 	(1)	 the interest shall be settled on a monthly basis, on the
20th day of each month; 

  

	 	(2)	 the interest shall be settled on a quarterly basis, on the
20th day of the last month of each quarter; or 

  

	 	(3)	 [BLANK]. 

Article 5    Disbursement and Payment of Loan 
  

	I.	 Conditions precedent to disbursement 

 Party B has no obligation to disburse any loan hereunder, unless all the following
conditions have been and remain satisfied, or waived by Party B: 
  

	 	(1)	 Party A has duly completed all approval, registration, delivery, insurance and other statutory formalities for
the loan hereunder; 

  

	 	(2)	 if any security or guarantee is required hereunder, such security or guarantee to the satisfaction of Party B
has taken effect and remains effective; 

  

	 	(3)	 Party A has opened an account as required by Party B for drawdown and repayment of the loan;

  

	 	(4)	 Party A is not in any event of default set out hereunder; 

 

	 	(5)	 there is no circumstance which may endanger the claims of Party B as agreed hereunder; 

 

	 	(6)	 the extension of the loan by Party B hereunder is not prohibited or restricted by the applicable laws,
regulations or rules or any competent authority; 

  

	 	(7)	 Party A continues to comply with the requirements in Appendix 2 (Financial Covenants); 

 

	 	(8)	 Party A has submitted the documents and materials which are required to be submitted prior to the disbursement
in accordance with this Contract; 

  

	 	(9)	 the documents and materials provided by Party A to Party B are legal, true, complete, accurate and valid, and
comply with the other requirements of Party B; and 

  

	 	(10)	 other conditions: 

Party B has sufficient lending quota to extend the loan at the time of such disbursement.  

 

	II.	 Drawdown schedule 

A drawdown means the disbursement of the proceeds of the loan by Party B to the Disbursement Account upon Party A’s application and in
accordance with this Contract. 
 The drawdown schedule shall be determined in accordance with paragraph (I) below: 

 

	 	(I)	 The drawdown schedule is as follows: 

 

	 	(1)	 RMB thirty million yuan on March 19, 2020; 

 

	 	(2)	 RMB [BLANK] on [BLANK]; 

 

	 	(3)	 RMB [BLANK] on [BLANK]; 

 

	 	(4)	 RMB [BLANK] on [BLANK]; 

 

	 	(5)	 RMB [BLANK] on [BLANK]; 

 

	 	(6)	 RMB [BLANK] on [BLANK]; 

[BLANK] 
  

	 	(II)	 The drawdown schedule is as follows: 

 

	 	(1)	 RMB [BLANK] on between [BLANK] and [BLANK]; 

 

	 	(2)	 RMB [BLANK] on between [BLANK] and [BLANK]; 

 

	 	(3)	 RMB [BLANK] on between [BLANK] and [BLANK]; 

 

	 	(4)	 RMB [BLANK] on between [BLANK] and [BLANK]; 

 

	 	(5)	 RMB [BLANK] on between [BLANK] and [BLANK]; 

 

	 	(6)	 RMB [BLANK] on between [BLANK] and [BLANK]; 

[BLANK] 
  

	 	(III)	 Party A may make drawdown when and as needed. 

 

	 	(IV)	 [BLANK] 

	III.	 Party A shall make drawdown in accordance with the drawdown schedule as set out in paragraph II above. Unless
otherwise agreed by Party B in writing, Party A shall not make drawdown earlier or later than scheduled, or split or cancel any drawdown. 

  

	IV.	 If Party A makes drawdown in installments, the maturity date of the loan shall still be determined in
accordance with Article 3 hereof. 

  

	V.	 Documents and materials to be provided by Party A 

The Parties agree that Party A shall provide the documents and materials in accordance with paragraph (II) [(I) or (II)] below: 

(I) 
  

	 	1.	 In the circumstance described in paragraph [BLANK] below: 

 

	 	(1)	 the amount of a single drawdown is more than RMB10,000,000 and the amount of any external payment to be made by
using the proceeds of such drawdown is more than RMB10,000,000; or 

  

	 	(2)	 [BLANK], 

Party A shall deliver the following documents and materials to Party B no later than [BLANK] business days prior to the date of such
drawdown: 
  

	 	(1)	 the loan disbursement certificate and the payment settlement certificate, each signed and affixed with seal by
Party A; and 

  

	 	(2)	 the transaction documents, including without limitation the written or electronic documents or materials
expressly evidencing the purpose of the loan proceeds, such as contracts and/or invoices in relation to the purchase of relevant goods, services and funding); 

[BLANK] 
 and other
documents and materials required by Party B, including without limitation the business license, power of attorney, articles of association, shareholder or board resolutions of the counterparty of Party A and other similar documents and materials.

  

	 	2.	 Except for the circumstances described in paragraph 1 above, or unless Party B agrees, after reviewing the
documents and materials submitted by Party A above, that the proceeds may be disbursed by means of self-payment as set out in paragraph VII of this article, Party A shall deliver the following documents and materials to Party B no later than
[BLANK] business days prior to the date of such drawdown: 

  

	 	(1)	 the utilization plan in relation to the loan to be disbursed (in the form in Appendix 3); and

  

	 	(2)	 the loan disbursement certificate signed and affixed with seal by Party A, 

[BLANK] 
 and other
documents and materials required by Party B, including without limitation the business license, power of attorney, articles of association, shareholder or board resolutions of the counterparty of Party A and other similar documents and materials.

 (II) 
 Regardless of the
amount of the drawdown, Party A shall deliver the following documents and materials to Party B no later than three business days prior to the date of such drawdown: 
  

	 	(1)	 the loan disbursement certificate and the payment settlement certificate, each signed and affixed with seal by
Party A; and 

  

	 	(2)	 the transaction documents, including without limitation the written or electronic documents or materials
expressly evidencing the purpose of the loan proceeds, such as contracts and/or invoices in relation to the purchase of relevant goods, services and funding; 

 [BLANK] 

and other documents and materials required by Party B, including without limitation the business license, power of attorney, articles of
association, shareholder or board resolutions of the counterparty of Party A and other similar documents and materials. 
  

	VI.	 Entrusted payment by Party B 

 

	 	1.	 Circumstances where the entrusted payment by Party B (entrusted payment arrangement) applies

 If a drawdown is in the event described in paragraph (2) below, it shall be disbursed by using the entrusted
payment arrangement, i.e., Party A shall irrevocably entrust Party B to pay the proceeds of the loan to the counterparty of Party A. Party A shall not pay such proceeds of the loan by itself to its counterparty or any other third party. 

 

	 	(1)	 the amount of a single drawdown is more than RMB10,000,000 and the amount of any external payment to be made by
using the proceeds of such drawdown is more than RMB10,000,000, and Party B, after reviewing the documents and materials provided by Party A, considers that such drawdown has the feature that the payee is clear; 

 

	 	(2)	 the entrusted payment arrangement shall be adopted regardless of the amount of the drawdown; or

  

	 	(3)	 [BLANK]. 

  

	 	2.	 If the entrusted payment arrangement is adopted, Party B shall remit the proceeds of the loan to the
Disbursement Account, and then remit such proceeds from the Disbursement Account to the account of Party A’s counterparty. Party A shall not dispose of the proceeds of the loan by any means (including without limitation transfer and withdrawal
of cash). 

  

	 	3.	 Party B will conduct a formal review of the amount, time, payee, method and accounts of the disbursement based
on the documents and materials provided by Party A. Once Party B confirms that the disbursement complies with Party B’s requirements after such formal review of the factors above, it will pay the proceeds of the loan to the counterparty of
Party A. Party B’s obligations under such entrusted payment arrangement shall be deemed as having been discharged in full once the proceeds of the loan are credited to the account of the counterparty as provided by Party A. Party A shall check
whether a payment is successfully made within one business day after the payment date. If a payment is not successful, it shall immediately notify Party B. Party A shall ensure that the counterparty and the specific purpose of the loan are
consistent with the transaction documents. 

  

	 	4.	 Party B’s formal review of the payment factors above does not constitute Party B’s confirmation of
the truthfulness and legality of the transaction, or Party B’s involvement in any dispute between Party A and its counterparty or any other third party, nor does it mean that Party B will be liable for any liability or obligation of Party A.
Party A shall indemnify Party B against all losses incurred by Party B as a result of such entrusted payment arrangement. 

  

	 	5.	 If the proceeds of the loan fail to be disbursed successfully or fail to be paid promptly to the account of
Party A’s counterparty due to any reason not attributable to Party B, such as the fact that the documents or materials provided by Party A are incomplete, untrue or inaccurate, or inconsistent with the specific purpose of the loan, or there is
any conflict among the information, the following provisions shall apply: 

  

	 	(1)	 Party A shall be liable for all consequences arising therefrom, including without limitation all losses caused
by the failure to disburse the proceeds of the loan successfully or pay the loans of the proceeds promptly to the account of Party A’s counterparty. Party B will not assume any liability in this respect, and Party A shall indemnify Party B
against all losses incurred by Party B in this respect; 

	 	(2)	 Party A shall not dispose of such part of proceeds of the loan by any means (including without limitation
transfer and withdrawal of cash); and 

  

	 	(3)	 Party A shall deliver new or corrected documents and materials as required by Party B within three
business days; 

 [BLANK] 

Party B may declare that such part of the loan becomes immediately due and payable if Party A is in breach of any provisions above. 

 

	 	6.	 Party A shall be liable for all risks, liability and losses in relation to any failure, error or delay of
payment of the loan proceeds due to any reason not attributable to Party B. Party B will not be liable for such risks, liability or losses. Party A shall indemnify Party B against all losses incurred by Party B in this respect.

  

	VII.	 Self-payment by Party A 

If a drawdown does not meet the conditions for the adoption of the entrusted payment arrangement under paragraph VI.6 of this article, it may
be disbursed by using the self-payment by Party A (self-payment arrangement), i.e., Party B will remit the proceeds of the loan to the Disbursement Account according to the drawdown request by Party A, and Party A will pay such proceeds by itself to
its counterparty. Party A shall ensure that the counterparty and the specific purpose of the loan are consistent with the transaction documents. 
  

	VIII.	 Party B’s disbursement obligation shall be deemed as having been discharged in full when the proceeds of
the loan are credited to the Disbursement Account, whether through the entrusted payment arrangement or self-payment arrangement. Party A shall ensure that the Disbursement Account is in a normal condition (including without limitation free of any
seizure or attachment by the competent authority). Party A shall be liable for all risks, liability and losses arising from any seizure or deduction by the competent authority after the proceeds of the loan are credited to the Disbursement Account,
and shall indemnify Party B against all losses incurred by Party B in this respect. 

  

	IX.	 Change of payment method 

Party B may change the method to pay the proceeds of the loan, including without limitation adjusting the conditions for the adoption of the
entrusted payment arrangement (e.g., the amount threshold for the entrusted payment arrangement), and adjusting the payment method of a single drawdown amount, if: 
  

	 	1.	 Party A is in any of the events of default as agreed hereunder; 

 

	 	2.	 there is any circumstance which may endanger the claims of Party B as agreed hereunder; 

 

	 	3.	 there is any other circumstance where Party B considers it necessary to change the payment method.

 If Party B changes the payment method, Party A shall perform relevant obligations, such as re-submitting relevant documents and materials, in accordance with this Contract and the requirements of Party B. 

Article 6    Use of Supervision of Accounts 
  

	I.	 Disbursement Account 

The Disbursement Account under this Contract shall be determined in accordance with paragraph 2 below: 

 

	 	1.	 Party A shall open a dedicated Disbursement Account with Party B within [BLANK] business day after the
effectiveness date of this Contract and prior to the first drawdown. The Disbursement Account will be exclusively used for the disbursement and payment of all loans hereunder. 

	 	2.	 Another account opened by Party A with Party B (account number: [***]). 

 

	II.	 Revenue account 

  

	 	1.	 Party A shall open a new account with Party B or designate an existing account with Party B (account number:
[***]) as the revenue account within one business day after the effectiveness date of this Contract. 

  

	 	2.	 Party A shall regularly summarize and report the payments in and out of the revenue account to Party B on a
quarterly [months or quarterly] basis. Party A shall summarize and report the payments in and out of the revenue account to Party B within the first five business days of each quarter. 

 

	 	3.	 Party B may manage the payments in and out of the revenue account. In particular, the revenue account shall
satisfy the requirement in paragraph (10) below: 

  

	 	(1)	 The average balance of the account: [BLANK] 

 

	 	(2)	 The time to receive the revenue: [BLANK] 

 

	 	(3)	 The percentage of the revenue received by the revenue account in the total sales revenue of Party A:
[BLANK] 

  

	 	(4)	 The limit on the amount of a single payment out of the revenue account: [BLANK] 

 

	 	(5)	 The daily limit on the amount of payments out of the revenue account: [BLANK] 

 

	 	(6)	 The restriction on the activation of the online banking function for the revenue account: [BLANK]

  

	 	(7)	 Any payment out of the revenue account shall be approved by Party B; 

 

	 	(8)	 the revenue account shall be exclusively used for receipt of revenue and repayment of the loans hereunder, and
shall not be used for any other purpose; 

  

	 	(9)	 [BLANK]; 

  

	 	(10)	 any other requirements by Party B; 

 

	 	(11)	 the relevant requirements under the account management agreement entered into by the Parties separately.

 Article 7    Repayment 
  

	I.	 Repayment principle 

Party A shall repay the loans hereunder in accordance with the following principle: 

Party B may first use the amount repaid by Party A to reimburse the expenses advanced by Party B for Party A and the expenses incurred by Party
B for realizing its claims, and the balance of the repaid amount shall be applied first toward the interest and then toward principal, and any interest accrued on the principal shall be settled when such principal is repaid. However, the balance of
the amount repaid by Party A after payment of the expenses above shall be applied first toward principal, and then toward interest, if there is any loan hereunder with principal or interest overdue by more than 90 days, or there are other
circumstances where such repayment principle shall apply in accordance with the applicable laws, regulations or rules. 
  

	II.	 Payment of interest 

Party A shall pay the interest due and payable to Party B on the interest settlement date. The first interest payment date shall be the first
interest settlement date after the disbursement of the loan. All outstanding interest shall be paid in full with the repayment of the last installment of principal. 
  

	III.	 Principal repayment plan 

 The principal repayment plan shall be determined in accordance with paragraph
(I) below: 
  

	 	(I)	 The principal repayment plan shall be as follows: 

 

	 	(1)	 RMB thirty million yuan on March 19, 2021; 

 

	 	(2)	 RMB [BLANK] on [BLANK]; 

 

	 	(3)	 RMB [BLANK] on [BLANK]; 

 

	 	(4)	 RMB [BLANK] on [BLANK]; 

 

	 	(5)	 RMB [BLANK] on [BLANK]; 

 

	 	(6)	 RMB [BLANK] on [BLANK]; 

 

	 	(7)	 [BLANK] 

  

	 	(II)	 [BLANK] 

  

	IV.	 Method of repayment 

Party A shall ensure that the revenue account or another account opened with Party B has sufficient balance to make the current repayment prior
to the repayment date agreed hereunder, and shall make transfer to make the repayment (and Party B also has the right to deduct relevant amount from such account to make the repayment), or transfer relevant amount from another account to make the
repayment on the repayment date agreed hereunder. 
  

	V.	 Prepayment 

If Party A intends to prepay any principal, it shall submit an application to Party B in writing at least thirty business days prior to
the prepayment, and upon the approval of Party B, may prepay all or part of the principal. 
 If Party A prepays any principal, the interest
accrued on such principal shall be calculated on the basis of the actual number of days lapsed and the loan interest rate agreed hereunder. 

If Party B approves any prepayment by Party A, it may charge a prepayment premium to Party A, which shall be determined in accordance with
paragraph 2 below: 
  

	 	1.	 Prepayment premium = the amount of the prepaid principal × the number of remaining months of the loan
term × [BLANK]‰, and any fraction period less than a month shall be deemed as a month; or 

  

	 	2.	 No prepayment premium will be charged.  

If the loan is to be repaid in installments, and Party A prepays part of the principal of the loan, the repaid amount shall be applied in an
inverse order. The loan interest rate shall continue to apply to the outstanding part of the loan after such prepayment. 
 Article
8    Rights and Obligations of Party A 
  

	I.	 Rights of Party A 

  

	 	(I)	 Party A has the right to require Party B to disburse the loan in accordance with this Contract;

  

	 	(II)	 Party A has the right to use the proceeds of the loan for the purpose agreed hereunder; 

 

	 	(III)	 Party A has the right to apply for renewal of the loan subject to the conditions required by Party B;

  

	 	(IV)	 Party A has the right to require Party B to keep confidential the financial information and trade secrets in
relation to production and operation provided by Party A, unless otherwise provided by the applicable laws, regulations or rules, or otherwise required by the competent authority or agreed by the Parties; and 

 

	 	(V)	 Party A has the right to decline any request of Party B or its personnel seeking bribes, and has the right to
report to the relevant authorities such acts or any violation by Party B of the applicable laws and regulations in relation to credit interest rate or service fees 

	II.	 Obligations of Party A 

 

	 	(I)	 Party A shall make drawdown and repay the principal and interest of the loan in full in accordance with this
Contract, and pay the expenses as agreed hereunder; 

  

	 	(II)	 Party A shall provide the financial information, production and operation information and other information as
requested by Party B, including without limitation delivering to Party B the balance sheet and profit and loss statement (or in case of a public institution, the income statement) as of the end of the previous quarter within the first ten business
days of the first month of each quarter, and promptly delivering the annual cash flow statement at the end of each year, and shall ensure that all information provided by it is legal, true, complete, accurate and valid, and shall not provide any
false information or conceal any material operational or financial facts; 

  

	 	(III)	 If there is any circumstance that has material adverse impact on Party A’s ability to repay its debts or
may otherwise endanger Party B’s claims, or there is any change to Party A’s name, legal representative (principal), domicile, business scope, registered capital, articles of association, or other information registered with the
administration for industry and commerce, Party A shall give a written notice to Party B, together with the relevant documents and materials reflecting such change, within 3 business days after the occurrence of such circumstance or change;

  

	 	(IV)	 Party A shall use the proceeds of the loan for the purpose as agreed hereunder. Party A shall not use or
misappropriate the proceeds of the loan for any illegal or improper transactions, any investment in fixed assets or equity, any production or operation prohibited by the state, or exchange with any liability arising from Party A’s investment in
fixed assets or equity. Party A shall cooperate with and accept the examination and supervision by Party B on its production, operation and financial activities, and the use and payment of the proceeds of the loan hereunder, and cooperate with and
accept the relevant requirements of Party B in relation to post-drawdown management. Party A shall not transfer fund or assets, or use related party transactions, to avoid the debt assumed by it to Party B. Party A shall not fraudulently obtain
loans or facility from the bank by discounting or pledging a note receivable, accounts receivable or other claims which are based on false contracts between Party A and its related parties. Party A shall make payment of the loan proceeds in
accordance with this Contract, and shall not evade the entrusted payment requirement by splitting a large payment into several small payments; 

  

	 	(V)	 If Party A uses the proceeds of the loan hereunder for manufacturing activities, it shall comply with the
government regulations in relation to environment protection; 

  

	 	(VI)	 Party A shall not, without the consent of Party B, create any security over the assets formed by the loan
hereunder to secure the debts of a third party, until the principal of and any interest on the loan owed to Party B are repaid in full; 

  

	 	(VII)	 If Party A is a group customer, it shall promptly report to Party B the details about any related party
transaction with a value representing at least 10% of Party A’s net assets, including : (1) the relationship of the parties to such transaction; (2) the project and nature of such transaction; (3) the amount or relevant percentage of
such transaction; and (4) the pricing policy (including the transactions without a value or with nominal value); 

  

	 	(VIII)	 Party A shall obtain Party B’s written consent before it engages in any merger, division, equity transfer,
external investment, material additional debt financing or other material matters, provided that such written consent given by Party B shall not affect Party B’s right to seek the remedy agreed hereunder if it subsequently considers that such
acts may endanger Party B’s claims; and 

  

	 	(IX)	 If the self-payment arrangement is adopted, Party A shall summarize and report to Party B the use and payment
of the proceeds of the loan on a monthly basis. Party A shall summarize and report to Party B the use and payment of the proceeds of the loan in the previous month, together with a list of actual use of fund, within [BLANK] business days
after the beginning of each month, until the proceeds of the loan are used in full. The form of the summary report is attached hereto as Appendix 4. 

 Article 9    Rights and Obligations of Party B 

 

	I.	 Party B has the right to: (1) require Party A to repay the principal and pay interest and fees in
accordance with this Contract; (2) manage and control the payment of the proceeds of the loan; (3) continuously monitor the overall cash flow of Party A; (4) require Party A to early repay the loan, based on the revenue of Party A;
and (5) exercise other rights under this Contract and require Party A to perform other obligations under this Contract; 

  

	II.	 Party B has the right to participate in any material financing project (i.e., a financing project with a total
amount of more than RMB500 million or equivalent amount in foreign currencies), asset disposal, merger, division, share reform, insolvency and liquidation of Party A to protect Party B’s claims. Such participation
shall take the form as described in paragraph 3 below: 

  

	 	1.	 Party A shall obtain Party B’s written consent on such activities; 

 

	 	2.	 the material financing project of Party A shall be arranged by Party B; 

 

	 	3.	 the price and purchaser of the assets to be disposed of by Party A shall comply with the following provision:

 Party A shall not dispose of its assets at a price which is obviously an unreasonably low price.  

 

	 	4.	 [BLANK] 

  

	 	5.	 Other form Party B considers appropriate. 

 

	III.	 Party B shall disburse the loan in accordance with this Contract, unless the disbursement of the loan is
prevented or delayed due to any reason attributable to Party A or not attributable to Party B; 

  

	IV.	 Party B shall keep confidential the financial information and trade secrets in relation to production and
operation provided by Party A, unless otherwise provided by the applicable laws, regulations or rules, or otherwise required by the competent authority or agreed by the Parties; 

 

	V.	 Party B shall not offer or seek bribes from, or accepts bribes offered by, Party A or its personnel; and

  

	VI.	 Party B shall not engage in any activities which are in bad faith or harmful to Party A’s lawful
interests. 

 Article 10    Liability for Breach of Contract and Remedies for the Circumstances that endanger Party
B’s Claims 
  

	I.	 Breach of contract by Party B and liability for breach of contract 

 

	 	(I)	 If Party B fails to disburse the loan in accordance with this Contract without any justification, Party A may
require Party B to continue to disburse the loan in accordance with this Contract; 

  

	 	(II)	 If Party B charges any improper interest or fees to Party A in violation of the prohibition of the applicable
laws and regulations, Party A has the right to require Party B to refund such interest or fees. 

  

	II.	 Breach of contract by Party A 

 

	 	(I)	 Party A is in breach of any provision of this Contract or any statutory obligation; 

	 	(II)	 Party A expressly refuses to perform any obligation hereunder, or Party A’s acts indicate that it will not
perform any obligation hereunder. 

  

	III.	 Circumstances that may endanger Party B’s claims 

 

	 	(I)	 Any of the following events, which in Party B’s opinion may endanger its claims under this Contract: Party
A is involved in contracting (承包), trust (receivership), leasing, share reform, reduction of registered capital, investment, joint operation, merger, consolidation, acquisition
restructuring, division, joint venture, equity transfer, material additional debt financing, filing (or being filed) for wind-up, filing for dissolution, revocation, filing (or being filed) for bankruptcy,
change of controlling shareholder/actual controller, transfer of material assets, suspension of operation, wind-up, substantial fines imposed by the competent authority, cancellation of registration,
revocation of business license, material legal dispute, serious difficulty in production and operation, deterioration of financial conditions or credit conditions, or inability of its legal representative or main principal to normally perform their
duties; 

  

	 	(II)	 Any of the following events, which in Party B’s opinion may endanger its claims under this Contract: Party
A fails to perform any other debt (including any debt owed to any branch of China Construction Bank or other third party) when due, transfer any assets at a low price or without consideration, waive any third party debt, neglect to exercise its
claims or other rights, or provide security for any third party; Party A’s financial conditions fail to continuously comply with the requirements of Appendix 2 (Financial Covenants); there is any abnormal fluctuation of balance in any account
of Party A (including without limitation the revenue account and other account monitored by Party B); there is any event of material cross-default on part of Party A; the profitability of Party A’s main operation is insufficient; or there is
any abnormal circumstance in relation to the use of the proceeds of the loan; 

  

	 	(III)	 the shareholders of Party A abuse the independent legal personality of Party A or the limited liability of
shareholders to evade debts, which in Party B’s opinion may endanger Party B’s claims hereunder; 

  

	 	(IV)	 any condition precedent to the disbursement of the loan agreed hereunder fails to remain satisfied;

  

	 	(V)	 the Guarantor is in any of the following events, which in Party B’s opinion may endanger Party B’s
claims hereunder: 

  

	 	(1)	 the Guarantor is in breach of any provision of this Contract, or any representation or warranty made by it
contains any false statement, error or omission; 

  

	 	(2)	 the Guarantor is involved in contracting
(承包), trust (receivership), leasing, share reform, reduction of registered capital, investment, joint operation, merger, consolidation, acquisition restructuring, division, joint
venture, equity transfer, material additional debt financing, filing (or being filed) for wind-up, filing for dissolution, revocation, filing (or being filed) for bankruptcy, change of controlling
shareholder/actual controller, transfer of material assets, suspension of operation, wind-up, substantial fines imposed by the competent authority, cancellation of registration, revocation of business license,
material legal dispute, serious difficulty in production and operation, deterioration of financial conditions or credit conditions, or inability of its legal representative or main principal to normally perform their duties, which may affect the
ability of the Guarantor to provide guarantee; 

  

	 	(3)	 other circumstances where the Guarantor has lost or may loss the ability to provide guarantee;

  

	 	(VI)	 the mortgage or pledge is in any of the following events, which in Party B’s opinion may endanger Party
B’s claims hereunder: 

  

	 	(1)	 the collateral is destructed or lost, or the value of the collateral has diminished, due to third party action,
expropriation, confiscation, requisition, repossession without compensation, demolition, change of market condition or any other reason; 

	 	(2)	 the collateral is subject to seizure, attachment, freezing order, deduction, lien, auction, administrative
supervision or title dispute; 

  

	 	(3)	 the mortgagor or pledgor is in breach of any provision of this Contract, or any representation or warranty made
by it contains any false statement, error or omission; or 

  

	 	(4)	 other circumstances that may endanger the realization of mortgage or pledge by Party B; 

 

	 	(VII)	 any security is not created, not effective, invalid, revoked or terminated, the Guarantor or security provider
is in default or expressly refuse to perform its obligations as a guarantor or security provider, or its acts indicate that it will not perform its obligations as a guarantor or security provider, or the Guarantor or security provider loses all or
part of its ability to act as a guarantor or security provider, or the value of collateral diminishes, or there is any other similar circumstance, which in Party B’s opinion may endanger Party B’s claims hereunder; or

  

	 	(VIII)	 other circumstances which in Party B’s opinion may endanger Party B’s claims hereunder.

  

	IV.	 Remedies for Party B 

Upon the occurrence of any circumstance as described in paragraph II or III of this article, Party B may exercise any one or more of the
following rights: 
  

	 	(I)	 Party B may cease the disbursement of the loan; 

 

	 	(II)	 Party B may impose additional conditions for the disbursement and payment of the loan; 

 

	 	(III)	 Party B may change the payment method of the loan in accordance with this Contract; 

 

	 	(IV)	 Party B may declare that the loan becomes immediately due and payable, and require Party A to immediately repay
all outstanding principal, interest and fees hereunder, whether due or not; 

  

	 	(V)	 If Party A fails to make drawdown in accordance with this Contract, Party B may require Party A to pay
liquidated damages equal to 10% of the amount which Party A fails to draw down, and may reject any drawdown request submitted by Party A for any unutilized part of the loan hereunder; 

 

	 	(VI)	 If Party A fails to use the proceeds of the loan for the purpose agreed hereunder, Party B may impose default
interest and compound interest on the misappropriated part of the loan at the applicable default interest rate and the interest settlement method agreed hereunder from the date of such misappropriation to the date of repayment of the principal and
interest in full; 

  

	 	(VII)	 In the event of overdue of the loan, Party B may impose default interest and compound interest on the overdue
principal and interest (including the principal and interest which Party B declares immediately due and payable in part or in full) at the applicable default interest rate and the interest settlement method agreed hereunder from the date immediately
following the due date to the date of repayment of the principal and interest in full. “Overdue of the loan” means that Party A fails to promptly repay the loan or fails to repay the loan in accordance with the installment repayment plan
as agreed hereunder. 

 Prior to the maturity of the loan, Party B may impose compound interest on the overdue interest at
the loan interest rate and the interest settlement method as agreed hereunder; 
  

	 	(VIII)	 Other remedies, including without limitation: 

 

	 	(1)	 Party B may deduct any amount in RMB or foreign currency from any account opened by Party A with the system of
China Construction Bank, without prior notice to Party A; 

	 	(2)	 Party B may enforce any security; 

 

	 	(3)	 Party B may require Party A to provide any new security acceptable to Party B covering all debts hereunder;

  

	 	(4)	 Party B may decline any request of Party A for disposal of relevant amount of deposits in the accounts
(including without limitation the revenue account) opened by Party A with the system of China Construction Bank; and 

  

	 	(5)	 Party B may terminate this Contract. 

Article 11    Miscellaneous 
  

	I.	 Costs and expenses 

All expenses arising from Party A’s breach of any provision of this Contract, including without limitation any court fee, arbitration fee,
property preservation fee, travel expenses, enforcement fee, appraisal fee, auction fee, notarization fee, service fee, announcement fee, legal fee and other expenses actually incurred by Party B as a result of breach by Party A, shall be borne by
Party A; 
 In respect of other expenses, the Parties agree as follows: [BLANK] 

 

	II.	 Use of Party A’s information 

Party A agrees that Party B may search, print and save Party A’s creditworthiness information with the basic database of financial and
credit information and other legally established credit referencing institutions, and that Party B may provide Party A’s information to the basic database of financial and credit information and other legally established credit referencing
institutions. Party A also agrees that Party B may reasonably use and disclose Party A’s information for business need. 
  

	III.	 Demand by announcement 

If Party A fails to promptly repay the principal or interest of the loan or is otherwise in default, Party B may report the same to relevant
authority or entity, and demand the repayment of such debts by publishing an announcement through media. 
  

	IV.	 Admissibility of Party B’s record as evidence 

Unless there is reliable and firm evidence to the contrary, the internal accounting records of Party B in relation to principal, interest, fees
and repayment records, the notes and vouchers prepared or retained by Party B in relation to any drawdown, repayment or payment of interest by Party A or any demand issued by Party B, shall constitute the conclusive evidence of the debts owed by
Party A to Party B. Party A shall not raise any objection solely on the ground that such records, notes or vouchers are prepared or retained by Party B unilaterally. 
  

	V.	 Reservation of rights 

The rights of Party B hereunder will not affect or exclude any other right available to it under the applicable laws, regulations or other
contracts. Any tolerance, grace period, preference or delay in exercise of the rights hereunder in respect of any default or delay shall not be deemed as a waiver of any right or interests hereunder or acceptance or permission of any breach of this
Contract, nor shall it restrict, prevent or impede the continued exercise of such right or exercise of any other right, or cause Party B to assume any obligation or liability to Party A. 

 

	VI.	 If Party A owes any due debt to Party B other than those under this Contract, Party B may deduct any amount in
RMB or foreign currency in any account opened by Party A with the system of China Construction Bank, and use such amount to first repay any due debt, and Party A agrees not to raise any objection. 

	VII.	 If there is any change to Party A’s communication address or contact information, Party A shall
immediately notify Party B in writing of such change. Party A shall be liable for any loss arising from its failure to promptly notify Party B of such change. 

 

	VIII.	 Appropriation of receivables 

Party B may deduct any amount in RMB or foreign currency equivalent to the total amount payable by it hereunder from any account opened by
Party A with the system of China Construction Bank, without giving any prior notice to Party A. Party A shall assist Party B in handling the foreign exchange purchase, sale or settlement formalities as required for such deduction, and Party A shall
bear the exchange rate risk. 
  

	IX.	 Dispute resolution 

Any dispute arising from the performance of this Contract may be resolved through negotiations, and if any dispute fails to be resolved through
negotiations, it shall be resolved in accordance with paragraph 1 below: 
  

	 	1.	 The dispute shall be submitted to the people’s court at the place of domicile of Party B.

  

	 	2.	 The dispute shall be submitted to [BLANK] arbitration commission for arbitration seated in
[BLANK] in accordance with the arbitration rules of the commission in effect at the time of arbitration application. The arbitration award shall be final and binding upon the Parties. 

The Parties shall continue to perform the provisions of this Contract which are not subject to dispute during the legal or arbitration
proceedings. 
  

	X.	 Effectiveness of the Contract 

This Contract shall take effect upon the signing and affixing with the company seal by Party A’s legal representative (principal) or
authorized representative and the signing and affixing with the company seal by Party B’s principal or authorized representative. 

Appendices to this Contract shall be part of this Contract, and have the equal legal force as this Contract. 

 

	XI.	 This Contract shall be made in four originals. 

 

	XII.	 Other provisions 

  

	 	(I)	 Provisions in relation to value added tax 

 

	 	1.	 All prices and other fees hereunder shall be inclusive of value added tax, unless otherwise agreed by the
parties. 

  

	 	2.	 Invoicing 

  

	 	2.1	 Party B shall issue invoices in accordance with paragraph (1) below: 

 

	 	(1)	 If Party A requests issuance of invoices, Party B shall, after the receipt of the amount paid by Party A, issue
a value added tax invoice in such amount in accordance with the laws. 

  

	 	(2)	 Other provisions: [BLANK] 

 

	 	2.2	 Invoicing details provided by Party A 

Company name (full name): Genetron Health (Beijing) Company, Ltd. 

Taxpayer identification number: 91110114339802512K 

Bank account: [***]  

Account bank: China Merchant Bank, Beijing Guanghua Road Sub-branch 

 

	 	Address:	 Room 201, 2/F, Building 11, Sector 1, No. 8 Shengmingyuan Road, Zhongguancun Life Science
Park, Huilongguan Town, Changping District, Beijing 

 Tel: 010-50907513 

 

	 	2.3	 If any invoice needs to be made void or any credit note needs to be issued, Party A shall promptly provide the
assistance as requested by Party B. If an invoice cannot be made void or a credit note cannot be issued due to any reason attributable to Party A, Party A shall compensate for all losses incurred by Party B, including without limitation taxes,
surcharges, penalties, and late payment interest. 

  

	 	3.	 If Party A is a foreign entity, and is entitled to preferential tax treatment under the applicable laws,
regulations, rules and department regulations in respect of the price and other fees hereunder, in respect of which any tax filing is required, Party A shall promptly provide Party B with sufficient and accurate information in relation to the filing
for preferential value added tax treatment as requested by Party B, so as to assist Party B in completing the tax filing. 

  

	 	(II)	 Service of documents 

Party A and Party B agree on the addresses for the service of notices, agreements and instruments in relation to this Contract and the legal
consequences as follows: 
  

	 	1.	 Address: 

  

	 	(1)	 Party A confirms that its valid address for the service of documents is: 

Room 201, 2/F, Building 11, Sector 1, No. 8 Shengmingyuan Road, Zhongguancun Life Science Park, Huilongguan Town,
Changping District, Beijing 
  

	 	(2)	 Party B confirms that its valid address for the service of documents is: 

No. B-10 Chaowai Avenue, Chaoyang District, Beijing  

 

	 	2.	 Applicable scope of the address 

The addresses above shall be applicable to the service of all notices, agreements and instruments in relation to this Contract, including
without limitation the service of all notices and agreements during the performance of this Contract, the service of relevant documents and legal instruments in relation to any dispute over this Contract, and the service of the legal process in the
arbitration or civil proceedings of the first instance, second instance, retrial or enforcement in relation to such dispute. 
  

	 	3.	 Change of address 

  

	 	(1)	 If there is any change to Party A’s address, it shall notify Party B in writing of such change at least
twenty business days in advance, by giving a written notice to the address of service of Party B; 

  

	 	(2)	 If there is any change to Party B’s address, it shall notify Party A of such change by giving a written
notice to Party A by post. 

  

	 	(3)	 If a Party changes its address in the course of arbitration or civil proceedings, it shall also notify the
arbitration institution or court in writing of such change. 

  

	 	(4)	 After a Party performs the notification obligation above, its address after such change shall become its
effective address of service; otherwise, the original address confirmed by it shall remain as its effective address of service. 

  

	 	4.	 Legal consequences 

  

	 	(1)	 If any notice, agreement, legal document or other document fails to be actually received by a Party or
delivered by post, due to the reasons that the address provided or confirmed by a Party is inaccurate, or a Party fails to promptly give a notice as required above after a change to the address, or a Party or its designated recipient refuses to
accept the notice, agreement or document, sch notice, agreement or document shall be deemed as served on the date of rejection; if such notice, agreement or document is delivered in person, it shall be deemed as served on the date as confirmed by
the person who is served on the acknowledgement of receipt. 

	 	(2)	 The arbitration institution or court may directly send documents to the addresses above by post, and any
document served by the arbitration institution or court at such address shall be deemed as served on the relevant Party, whether or not such documents are actually received by the recipient. 

 

	 	(III)	 In the event of deterioration of Party A’s credit condition, including without limitation the events of
default on part of Party A or any circumstance that may endanger Party B’s claims hereunder, Party B may unilaterally adjust the disbursement amount or refuse to disburse any loan or financing to Party A, without prior notice to Party A. Party
A undertakes not to raise any objection to such arrangement. 

  

	 	(IV)	 Article 11 of this Contract shall be amended as: This Contract shall take effect upon the affixing with the
signature stamp or name seal and the company seal by Party A’s legal representative (principal) or authorized representative and the signing and affixing with the company seal by Party B’s principal or authorized representative.

 Article 12    Representations and Warranties 

 

	I.	 Party A expressly acknowledges Party B’s business scope and authority. 

 

	II.	 Party A has read all terms of this Contract. Upon Party A’s request, Party B has explained the relevant
terms of this Contract. Party A fully knows and understands the meaning and relevant legal consequences of the terms of this Contract. 

  

	III.	 The execution and performance of obligations under this Contract by Party A comply with the applicable laws,
administrative regulations and rules, and the articles of association or constitutional documents of Party A, and have been approved by the competent corporate organ and/or the competent government authority. 

 

	IV.	 Party A complies with the laws and regulations in conducting production and operation; 

 

	V.	 Party A is able to operate as a going concern, and has the legal source of funding to repay the loan hereunder;

  

	VI.	 Party A undertakes that all the loans hereunder are borrowed for the true need, and do not exceed the actual
need. 

  

	VII.	 Party A and its controlling shareholder are in good credit conditions, and have no material record of bad
credit. 

  

	VIII.	 Party B may appoint any other branch of China Construction Bank to disburse the loan hereunder, and exercise
and perform the rights and obligations of Party B hereunder. Party A has no objection to such appointment. 

  

	IX.	 Party A represents that at the time of execution of this Contract, Party A and its material related parties do
not violate the applicable laws, regulations or rules in relation to the management of environmental and social risks, and undertakes that it will reinforce the management of environmental and social risks in relation to itself and its material
related parties after the execution of this Contract, and that it will comply with the applicable laws, regulations and rules in relation to the management of environmental and social risks, and refrain from any construction, production or operation
which will cause damage and related risks to the environment and society (including without limitation the environmental and social issues in relation to energy consumption, pollution, land, health, safety, relocation and settlement, ecological
protection, emission reduction, and climate change). Party A agrees that Party B may supervise on Party A’s management of the environmental and social risks, and require Party A to submit environmental and social risk reports. If any
representation of Party A above is false, or Party A fails to comply with its undertakings above, or Party A may cause environmental and social risks, Party B may terminate the credit facility granted to Party A (including without limitation refusal
to disburse a loan, provide financing, issue a guarantee letter, letter of credit or bank acceptance bill), or declare the principal of and interest on any debt (including without limitation loan, facility and any advance which has been or may be
made) as immediately due and payable, or take any other remedial measures provided hereunder or permitted by the laws. 

 Party A (company seal): Genetron Health (Beijing) Company, Ltd. (seal) 

Legal representative (principal) or authorized representative (signature): Sizhen Wang (seal) 

Date: March 16, 2020 

Party B(company seal): China Construction Bank, Beijing Chaoyang Sub-branch (seal) 

Principal or authorized representative (signature): 

Date: March 16, 2020 

The Parties to this Contract shall verify the authenticity of the terms of this Contract by scanning the QR code with the CCB mobile banking App.

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