Document:

Exhibit 10.14

 

		Blue Ocean Wealth Management (Hong Kong) Limited 

Room 1802A, 18/F, Tower 5, China Hong Kong City, 33 Canton Road, Tsim Sha Tsui, Kowloon, Hong Kong
 Tel.: (852) 3528 0008 Fax: (852) 3528 0029 Email: info@blueoceanhk.com Website: www.blueoceanhk.com
 Insurance Authority License FB 1551
 A member of Professional Insurance Broker’s Association, Membership No.: M-413

 

Client Referral Agreement

 

This contract is entered into by and between Blue
Ocean Wealth Management (Hong Kong) Ltd. (hereinafter referred to as Party A) and Prestige Private Wealth Management Limited (hereinafter
referred to as Party B)

 

Both parties hereto agree to sign the Agreement.
The articles on rights and obligations of both parties hereto are as follows:

 

Article I: Contract Term

 

The Agreement shall come into force on January
1, 2021. January 1 of each year shall be the annual state date, and December 31 each year shall be the annual settlement date.

 

The Agreement shall be valid for one year since
the date of signing, and be automatically renewed for one year if both parties hereto have no objection upon expiry, so on and so forth.

 

Article II: Contract Scope

 

I. In accordance with the description in III (II)
below, Party B may only conduct activities to refer clients to Party A.

 

II. If Party B successfully refers a client, the
client must pay for relevant insurance policy in person. The client must submit relevant trade data to Party A, and Party B shall not
handle the client’s relevant data and expenses.

 

III. The correspondences between Party A and the
client, client data, and messages shall be kept highly confidential. They shall not be notified or given to a third party without the
client’s written consent.

 

IV. Party A reserves the right to reject any application
from relevant client.

 

V. Party B shall fulfill the obligation hereunder
for Party A. Party B’s words and deeds shall obey the content specified hereunder. In case of violation, Party B shall cover the
client’s loss and the expenses therefrom. Party A shall not be held legally accountable.

 

VI. Both parties hereto shall not use the other
party’s name. If it causes damage to the other party, the defaulting party shall indemnify the other party for all losses and assume
any legal liabilities possible.

 

Article III: Code of Conduct

 

I. Party B shall not commit any of the following
behaviors. If any of the following behaviors causes the client any loss or dispute, Party B shall be held accountable while Party A shall
not. Party A reserves the right to terminate the Agreement and the right to pursue relevant liability and loss from Party B:

 

1. Produce advertisement or publicize and provide
relevant information to the outside on behalf of Party A.

 

2. Use Party A’s trademark, LOGO, or self-printed
business card at its discretion.

 

3. Sign any contract on behalf of Party A.

 

     

     

    

 

		Blue Ocean Wealth Management (Hong Kong) Limited 

Room 1802A, 18/F, Tower 5, China Hong Kong City, 33 Canton Road, Tsim Sha Tsui, Kowloon, Hong Kong
 Tel.: (852) 3528 0008 Fax: (852) 3528 0029 Email: info@blueoceanhk.com Website: www.blueoceanhk.com
 Insurance Authority License FB 1551
 A member of Professional Insurance Broker’s Association, Membership No.: M-413

 

II. Besides, both parties hereto shall obey all
the governing laws, regulations, and rules of Hong Kong and other regulatory agencies of China at that time, including (i) pursuant to
64G of Insurance Ordinance of Hong Kong (Hong Kong Ordinance Chapter 41), Party B shall not directly introduce commodities, provide
relevant information, or provide activities that need regulating or licensing to the referred clients. Party B’s responsibility
is merely introducing referred clients to Party A. Party B’s speech shall obey the content specified hereunder. In case of violation,
Party B shall cover the loss and relevant expenses of the referred client therefrom at its discretion, and Party A shall not be held legally
accountable whatsoever. Nonetheless, if the referred client suffers from loss due to buying product from Party A, Party B shall not be
held legal accountable; and (ii) pursuant to General Principle 5 of the Code of Conduct for Licensed Insurance Agents-Information
Disclosure Article 5.5 from Hong Kong Insurance Authority, when Party B introduces client to Party A, apart from obeying the policies,
procedures, or stipulations established for referral, Party A shall also disclose the following to the client before arranging insurance
policy:

 

(a) Party A shall arrange insurance policy, and,
for this purpose, the referred clients shall directly trade with Party A only (the referred client shall not trade with Party B for the
purpose of insurance policy arrangement);

 

(b) Party B does not represent Party A, and shall
not join the process of insurance policy arrangement;

 

(c) Party A shall assume no liability for any
opinions from Party B on insurance policy for referred clients; and

 

(d) The insurance premium shall be directly paid
to Party A or relevant insurer (instead of Party B).

 

Article IV: Contract Termination and Obligation

 

I. (i) If Party B makes significant change on
shareholder, senior executive, bank payee, and/or director; and/or (ii) if Party B’s background if found not to comply with the
laws and regulations during the validity of the Agreement, Party A has the right to unilaterally ask for termination of the Agreement.

 

II. Within validity of the Agreement, either party
may notify the other party to terminate the Agreement one (1) month in advance.

 

III. If Party B violate any article hereunder,
Party A has the right to immediately terminate the Agreement and pursue all losses from Party B.

 

IV. If Party A closes business, Party A warrants
to assist Party B in relevant subsequent services and guarantee the right of Party B to obtain the referral fee before closure.

 

Article V: Supplementary Provisions

 

I. Both parties hereto agree to separately specify
the product schedule on client referral.

 

II. If the business policy changes, both parties
hereto may revise the written agreement at any time. Besides, if the Agreement needs revision due to change in government laws or regulations
from the regulatory agency, Party A may unilaterally email Party B the change in relevant laws and regulations and shall clearly describe
relevant articles hereunder affected by the change in relevant laws and regulations. Both parties hereto agree that relevant change above
shall be binding upon the Agreement.

 

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		Blue Ocean Wealth Management (Hong Kong) Limited 

Room 1802A, 18/F, Tower 5, China Hong Kong City, 33 Canton Road, Tsim Sha Tsui, Kowloon, Hong Kong
 Tel.: (852) 3528 0008 Fax: (852) 3528 0029 Email: info@blueoceanhk.com Website: www.blueoceanhk.com
 Insurance Authority License FB 1551
 A member of Professional Insurance Broker’s Association, Membership No.: M-413

 

Article VI: Obligations of Party B

 

I. If taxes of different areas are involved in
the referral fee of Party B, Party B shall declare them at its direction.

 

II. Party B is obligated to declare the taxes
assumed pursuant to Hong Kong tax law at its discretion. Party A shall not disclose relevant information to any other party, and shall
be obligated to keep the breakdown of Party B’s relevant revenues for future inquiry from the Hong Kong government as necessary.

 

III. If Party B makes significant change in shareholder,
senior executive, bank payee, and/or director, Party B shall notify Party A immediately.

 

IV. Party B shall comprehensively cooperate with
Party A in the background investigation.

 

Article VII: Distribution Method of Referral
Fee

 

I. Party B shall be entitled to the referral fee
from referral as confirmed by Party A.

 

I. The benchmark, ratio, and terms of payment
of the referral fee shall be listed in the referral fee attachment and memorandum in detail.

 

II. If the product fee from the referee is completely
returned, no referral fee shall be paid to Party B, and all referral fee as paid shall be returned to Party A. If the product fee from
the referee is partially returned, Party A shall pay proper ratio of referral fee to Party B.

 

III. Party B’s payee account shall be established
mainly based on the bank account announced by Party A to accelerate Party A’s distribution speed of referral fee. Party B shall
cover relevant remittance fee therefrom.

 

IV. On the 15th and before the end
of each month, Party A shall inform Party B of the list of referral fee in electronic statement, and telex it to the payee’s account
specified by Party B.

 

V. The distribution method and currency of the
referral fee shall be handled in accordance with the regulations of each commodity company on distribution.

 

VI. The referral fee shall be distributed one
working day in advance or behind in case of statutory holidays.

 

VII. If the deduction period of referral fee in
ICP/Term closure period requires, the referee shall cancel the order within the closure period and calculate the referral fee in accordance
with the rate pursued by each insurance company or foundation.

 

Article VIII: Contract Effectiveness

 

The Agreement indicates relevant agreements and
consensus between both parties hereto, and supersedes all prior spoken and written undertakings. In case of conflict between the Article
and any prior spoken or written undertaking, the Article shall prevail.

 

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		Blue Ocean Wealth Management (Hong Kong) Limited 

Room 1802A, 18/F, Tower 5, China Hong Kong City, 33 Canton Road, Tsim Sha Tsui, Kowloon, Hong Kong
 Tel.: (852) 3528 0008 Fax: (852) 3528 0029 Email: info@blueoceanhk.com Website: www.blueoceanhk.com
 Insurance Authority License FB 1551
 A member of Professional Insurance Broker’s Association, Membership No.: M-413

 

Article IX: Governing Law and Judicial Jurisdiction

 

The Agreement shall be governed and interpreted
by the laws of Hong Kong SAR. Both parties hereto are both willing to accept the non-exclusive judicial jurisdiction of Hong Kong courts.
As for matters uncovered hereunder, relevant ordinances from Hong Kong government shall prevail.

 

Pursuant to the Prevention of Bribery Ordinance
of Hong Kong, Party B shall not be the current agent of the insurance company or the current client manager of the bank; Party B shall
not work on arrangements against the interest of the Company. If any of the aforesaid issues is found, the Agreement shall be terminated
immediately, and Party B shall assume all relevant liabilities. Besides, both parties hereto must also disclose to the client and acquire
the client’s consent for matters on which Party B will acquire referral fee from client referral activities.

 

Article X: Contract Issue

 

The Agreement is made in duplicate. Both parties
hereto shall hold one duplicate each.

 

Article XI

 

Pursuant to the Contracts (Rights of Third
Parties) Ordinance, any individual or entity beyond both parties hereto has no right to perform any article hereunder.

 

Contract Parties:

 

	Signed by: [    ] on behalf of Blue Ocean Wealth Management (Hong Kong) Ltd. (Party A)	 	Signed by: [    ] on behalf of Ltd. pwm@prestigefh.com (Party B)
	 	 	 
	 	 	(signature)
	Date: January 2, 2021	 	Date: January 2, 2021

 

 

4Exhibit 10.15

 

fund
FORMATION ADVISORY Agreement

 

Between

 

Party
A

 

And

 

Prestige
GLOBAL Asset Management Limited

(PGAM, the “Advisor”)

 

in respect of the underlying ____________Fund (the “Fund”)

 

     

     

    

 

BACKGROUND:

 

		(A)	Both PARTY A and PGAM are qualified asset management companies incorporated in Cayman Islands. PARTY A plans to set up and issue
                                                            ____________ Fund with approximate ____________ million USD of Asset under Management (AUM) and intends to cooperate with PGAM.

		(B)	PGAM obtained rich experience in fund formation, and intends to appoint PGAM as fund formation advisor. Main responsibilities of the
advisor include structuring advisory, due diligence, compliance advisory, legal documents review, etc. The agreement is made and entered
into on  ____________.

 

THE PARTIES AGREE THAT:

 

		1.	Appointment of the Advisor

 

Party A appoints PGAM as fund formation advisor of the Fund
and PGAM shall take the responsibility of all related issues regarding fund formation, include but not limited to the following:

 

		1.1	Provide fund structure proposals. Party A shall have the priority to use the related resources of PGAM and PGAM’s affiliates.

		1.2	Select and coordinate with legal counsel, assist legal counsel in conducting due diligence, drafting legal documents, support the
review and revision of draft documents. Legal documents include but are not limited to Subscription Agreement, Private Placement Memorandum
or Supplement, Redemption Notice, Investment Advisory Agreement, Investment Management Agreement, etc.

		1.3	Select and advise suitable and qualified service providers, review draft engagement letter.

		1.4	Fully understand and conduct due diligence to the target underlying assets, draft fund brochure to be distributed to professional
investors, help prepare marketing materials for promotion on recognized markets in compliance with related regulations.

		1.5	Advise on the compliance issues of fund structures and propose optimization suggestions.

		1.6	Organize and coordinate meetings or conference calls in a timely manner to communicate with Party A regarding the materials issues
of fund set-up and discuss about potential solutions.

 

		2.	Duties of Party A

 

		2.1	Party A shall provide well-rounded, objective and timely information, documents and materials regarding investment targets, underlying
assets and fund managers to PGAM.

		2.2	Party A shall make clear and reasonable request to the service provided by PGAM.

		2.3	Party A have the responsibility to make decisions and judgment independently on final decisions. Any loss caused by Party A’s
decisions based on PGAM’s advice, opinions and proposal shall be borne by Party A.

		2.4	If Party A intends to appoint PGAM or its affiliates as co-manager of the fund or fund advisor, Party A shall discuss with that particular
party accordingly and shall not affect the execution of this agreement.

		2.5	Party A shall pay advisory fee to PGAM as agreed. All fees occurred due to the fund set-up shall be borne by all parties involved
as separately negotiated, thus will not be included in this agreement.

 

		3.	Duties of PGAM

 

		3.1	PGAM shall duly complete fund formation work as instructed by Party A with qualified consulting staff.

		3.2	PGAM shall perform duties in the agreed term and communicate progress with Party A on a regular basis.

		3.3	PGAM shall discuss the case in line with Party A’s requirement, make timely analysis and adjust the plan accordingly.

		3.4	PGAM shall submit legal documents draft and fund documents to Party A in service period on time. PGAM has no authority to make decisions
on fund formation unless instructed by Party A.

		3.5	PGAM shall at all times respect and protect the confidentiality of information acquired in consequence of the Agreement.

 

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		4.	Service Term

 

		4.1	The service shall start from ____________ to ____________, no earlier than the time when PGAM submit draft documents to Party
                                                                 A. The service term shall not be affected by the decision-making process of all parties involved.

		4.2	The agreement shall not be terminated during service term unless agreed by both parties.

 

		5.	Advisory Fee

 

		5.1	Party A shall pay US $  ____________to PGAM as advisory fee.

		5.2	Party A shall pay advisory fee no later than 90 days after service term regardless of the process of fund formation. If the fund has
been set-up and starts raising fund within 90 days after the service term, Party A could pay the fee with money from the subscription
fee collected. The payment shall not be postponed unless agreed by both parties.

 

		6.	Amendment, Resignation and Termination

 

		6.1	This Agreement may only be amended by written agreement between the parties hereto.

		6.2	The agreement shall be deemed invalid in the following occasions.

		6.2.1	Both parties agree; or

		6.2.2	Either party commit any material breach of its obligations under this Agreement and if such breach is capable of being made good,
shall fail to make good such breach within 30 days of receipt of written notice from the Notifying Party requiring it so to do; or

		6.2.3	The agreement cannot be executed due to force majeure.

		6.3	The party that intends to resign shall give all other parties written notice, effective upon receiving.

		6.4	On termination of this Agreement, the observant party shall be entitled to receive all fees and compensation
accrued due up to the date of such termination.

 

		7.	Governing Law

 

		7.1	This agreement shall be governed by and constructed in accordance with the laws of Hong Kong Special Administrative
Region of the People’s Republic of China (“Hong Kong”).

 

		7.2	Any dispute, controversy or claim arising out of, in connection with or relating to this agreement, including
the interpretation, validity, invalidity, breach or termination thereof, shall be settled by negotiation first, if not works, then by
arbitration. The arbitration shall be conducted in Hong Kong at the Hong Kong International Arbitration Centre.

 

		8.	This agreement shall come into force upon its due execution by the parties hereto with effect from
the date when the authorized signatures and chops are in place.

 

		9.	Both parties secure one copy of the agreement with equal legal force. 

 

[Signature Page Follows]

 

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Party A

 

 

 

 

Authorized signature:

 

 

 

 

Prestige Global Asset Management Limited

 

 

 

 

Authorized signature:

 

 

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