Document:

SPECIAL
INVOICE FOR INSURANCE INDUSTRY

 

Invoice
code: 211001532150

Invoice
No.: 02244283

Password:

 

	Date:
    2015-11-05 	INVOICE

 

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

 

Coverage:
Insurance clauses on loss of transaction fund (Version 2014)

 

	Policy
    No.: 1015006032015000008-0000193174 	END.
    No:

 

Premium
amount (in letters) RMB one hundred and fifty thousand Yuan exactly

               (in
figures) CNY 150,000.00

 

	Vehicle
    and vessel tax collected (in figures) CNY 0.00 	Overdue
    fine (in figures): CNY 0.00

 

Total
(in letters) RMB one hundred and fifty thousand Yuan exactly

             (in
figures) CNY 150,000.00

 

Remarks:
Business voucher No.: 016829091446699300478

 

	Name
    of insurance company: 	Checked
    by: Guona 	Issued
    by: Lvli

 

	Stamped
by insurance company:	Address: 	Tel:

 

Taxpayer
identification No. of insurance company:

 

handwritten
invalid

 

    	 

    	 

    

 

Transaction
Capital Indemnity Insurance Policy (Version 2014)

 

Insurance
Policy No.: 101500603201500008

 

Whereas
the Insured named below hereto has made to the
Sunshine Insurance Group P&C Insurance (hereinafter called “the Company”) a written insurance application; and
agrees that it has paid/pays/will pay to the Company the premium as agreed upon hereunder. Whereas subject to the terms and conditions,
additional terms and special terms contained herein or listed/endorsed hereon the Company agrees it is/will be liable to indemnify
the insured for the loss or damage, the Policy is hereby executed and issued.

 

 

Important
tips:

 

1.
This insurance contract consists of insurance application, risk questionnaire, insurance policy, insurance terms, special terms
and endorsement.

 

2.
After receipt of the policy, the Insured shall check at once. In case the policy content doesn’t comply with the fact or
of any omission, the Insured shall inform the Company at once to make change or implement.

 

3.
The Insured shall read all attached insurance terms carefully, especially the conditions related to exemption liability, the Bidder’s
liability and the Insured’s liability.

 

 

Sunshine
Insurance Group P&C Insurance Beijing Branch

 

Issue
address: 8th floor Gaohelanfeng Building, No. 98 Dongsanhuan South Road, Chaoyang District, Beijing

 

Postcode:
100021

 

Tel:
56406820

 

Fax:

 

	Service
    tel: 95510 	Issue
    date: 4th Nov, 2015

 

	Checked
    by: Suo Yaran 	Drafted
    by: Guona 	Operated
    by: Lvli

 

    	 

    	 

    

 

2.
Terms of claim limits (sums insured)

 

1.
Cumulative indemnity limits: During the period of insurance, the Company will indemnify the Insured cumulative indemnity of RMB
500,000 at most. If the indemnity is more than RMB 500,000, the Company shall not be liable to the indemnity anymore and the policy
shall be invalid.

 

2.
Indemnity limits for every accident: During the period of insurance, the Company shall indemnify the Insured indemnity of RMB
10,000 for every accident. Every accident means the capital loss during the process of charging, cashing, subscription and withdrawing
by the platform user. The Company shall be liable to RMB 10,000 at most for above accident happened according to the terms. If
the indemnity is more than RMB10,000, the Company shall not be liable to the indemnity the excessive part.

 

3.
Other relative terms

 

Claim
terms:

 

In
case any accident happened, the Insured shall provide the Company with relative evidence of individual account capital loss, including
but not limited to detailed transference sheet from the individual account issued by bank or third party, case report and registration
issued by police and evidence if the case is closed or not etc., in order to prove actual loss occurrence, loss reason and degree.

 

Confidential
terms:

 

The
Insured and the Company shall take necessary efforts to keep the whole policy content in secret and are not allowed to disclose
whole or partial content of the policy to any third party. If promotion for both parties’ cooperation is to be made, the
Company shall agree the promotion way, content and scope in writing. Upon receipt of any objection from the Company, the Insured
shall take immediate efforts to correct or stop it. The Company has the right to terminate the contract and take all legal means
if such correction and stopping fails.

 

Other
terms:

 

1.
The Insured shall provide the Company customers list on the platform, including name, ID, investment type and purchasing sum,
for record so that the Company has clear information of the platform operation.

 

2.
Any nonconformity between the insurance policy with the insurance terms, it’s duly agreed by both parties that the insurance
policy and special terms have the priority. Any unsettled affairs shall comply with Transaction Capital Indemnity Insurance Clause
(Version 2014) of Sunshine Insurance Group P&C Insurance

 

Additional
insurance/terms (details attached)

 

None

 

Issue
company: Sunshine Insurance Group P&C Insurance Beijing Branch Chaoyang Sub-branch Business Development Unit

 

Address:
8th floor Gaohelanfeng Building, No. 98 Dongsanhuan South road, Chaoyang District, Beijing

 

Postcode:
100021

 

Tel:
56406820

 

Fax:

 

	Service
    Tel.: 95510 	Issue
    date: 4th Nov, 2015

 

	Checked
    by: Suo Yaran 	Drafted
    by: Guona	 Operated
    by: Lvli

 

    	 

    	 

    

 

	Sunshine
    Insurance Group     P&C Insurance     No.:0000193174
	 	 
	Payment
    receipt time: 12:55:50 Nov 5th, 2015 	Policy
    issue time: 12:55:53 Nov 5th, 2015
	 	 
	Policy
    print time: 12:57:22 Nov 5th, 2015 	POS
    transaction no/check no: 20151105

 

Transaction
Capital Indemnity Schedule

 

Insurance
Policy No.: 105006032015000008

 

Whereas
the Insured hereto has made to the Insured an insurance application and agrees to pay to the Company the premium stated, hereon
the Company agrees to indemnify the insured for the loss or damage sustained during the period of insurance stated in the Schedule
in the manner and to the extent hereinafter provided according to Transaction Capital Indemnity Insurance Policy (Version 2014)
..

 

 I. The policy application information

 

	Name:
    Benefactum Alliance Business Consultant (Beijing) Co., Ltd	Organization
    code: 07858766-5
	Contact: Dou
    Chunyao	Tel:
    
	Address:
    Room 505, 5th floor, 2-6 2nd building, Anyuandongli 1st block, Chaoyang district, Beijing

 

 II. The Insured information

 

	Name:
    Benefactum Alliance Business Consultant (Beijing) Co., Ltd	Organization
    code: 07858766-5
	Contact:
    Dou     Chunyao	Tel:
    
	Address:
    Room     505, 5th floor, 2-6 2nd building, Anyuandongli 1st block, Chaoyang district,
    Beijing

 

 III. The insurance period

 

12
months, from 7th Nov 2015 till 6th Nov 2016.

 

 IV. The insurance scope.

 

	Insurance
    scope	Insurance
    subject	Cumulative
    compensation sum limit	Compensation
    limit for every accident
	Transaction
    Capital Indemnity Insurance Policy (Version 2014)	Individual
    accounts managed by the Insured	RMB
    500,000.00	RMB
    10,000.00

 

 V. Deductible terms

 

Deduction
for each accident: 10% of every indemnity deductible

 

    	 

    	 

    

 

 VI. Total sum insured

 

Total
sum insured: RMB 150,000.00

 

 VII. Disputes

 

Lawsuits

 

 VIII. Special terms

 

1.
The insurance premium due to pay

 

The
insurance premium due to pay is valid from

 

Charging:
It’s from the time every charging is made through internet to the platform of Benefactum Alliance Business Consultant
(Beijing) Co., Ltd till the account owner has received the successful changing information. (The capital shall be
transferred from individual account to the corresponding trust account issued by Shanghai Huifu Data Service Co., Ltd. (bank
or third party payment company) assigned by Benefactum Alliance Business Consultant (Beijing) Co., Ltd. The bank or
third-party payment company is Shanghai Huifu Data Service Co., Ltd. and the account number is 6000060000253728.)

 

Cashing:
It’s from the time every cashing application is made through the internet to the platform of Benefactum Alliance
Business Consultant (Beijing) Co., Ltd till the account owner has received the successful cashing information. (The capital
shall be transferred from the corresponding trust account issued by Shanghai Huifu Data Service Co., Ltd. (bank or third
party payment company) assigned by Benefactum Alliance Business Consultant (Beijing) Co., Ltd to individual original
charging account)

 

Subscription:
It’s from the time every subscription order is made through internet to the platform of Benefactum Alliance Business
Consultant (Beijing) Co., Ltd till the payment application is transferred to the corresponding borrower trust account
assigned by Benefactum Alliance Business Consultant (Beijing) Co., Ltd (The capital shall be transferred from the lender
trust account to borrower trust account)

 

Withdrawing:
It’s from the time every withdrawal is made through internet to the platform of Benefactum Alliance Business Consultant
(Beijing) Co., Ltd till the account owner has received the successful withdrawing information. (When any withdrawing
application is made, the capital shall be transferred from the corresponding trust account issued by Shanghai Huifu Data
Service Co., Ltd. (bank or third party payment company) assigned by Benefactum Alliance Business Consultant (Beijing) Co.,
Ltd to individual original payment account)

 

Other
related liability terms as agreed by the Company and clearly written in the policy.

 

    	 

    	 

    

 

Sunshine
Insurance Group P&C Insurance

 

Transaction
Capital Indemnity Insurance Clauses (Version 2014)

 

General
Principles

 

I.
This insurance contract consists of insurance clause, insurance application, insurance policy, insurance certificate and endorsement.
Any agreement concerned with this contract, it shall be made in writing.

 

II.
The Insured under this contract is the legal organization who may manage individual account or provide transaction platform for
individuals legally.

 

III.
Individual account under this contract is the effective account that a person with full capacity for civil conduct opens by its
own name in the legal bank or other legal organizations within territory of PRC (exclusive of Hongkong, Macau and Taiwan).

 

i)
Passbook and deposit receipt account

 

ii)
Bank card account (including debit card and credit card)

 

Bank
card hereto includes debit card held by owner, credit card held by owner and its associated supplementary card, and the associated
supplementary credit card held by owner

 

iii)
E-bank and mobile bank account

 

iv)
Accounts of other payment companies approved by People’s Bank of China. (such as Alipay, Tenpay etc., hereinafter called
“third party payment account”)

 

v)
Other individual account approved by the Company and clearly written in the policy.

 

However,
the policy shall prevail if the Company and Insured have special agreements for above individual account and specific individual
account type and detail listed in the policy.

 

Insurance
liability

 

IV.
During the insurance period, if the capital in the individual account managed by the Insured or transacted on its platform (hereinafter
called “the Insured managed individual account”) is stolen or embezzled and cannot be recovered within 30 days by
the Insured, the Company shall indemnify the Insured the direct loss arising therefrom according to the policy within the limit
stated in the policy.

 

Exemption

 

V.
The Company shall not be liable for the following loss:

 

i)
Loss of deliberate or illegal behavior of the Applicant or the Insured and his representative.

 

ii)
Loss caused by the Insured’s unconformity with relative individual account management and transaction regulations issued
by the State related supervision bureau, the bank and the third party payment company.

 

iii)
Loss of deliberate or illegal behavior of the Insured managed individual account owner and its family members.

 

iv)
Loss of rent and lease by the Insured managed individual account owner or cheated by other people.

 

v)
Loss of personal account and password disclosure to other people by the Insured managed individual account owner without any force.

 

    	 

    	 

    

 

vi)
Loss happened in the Insured managed individual account beyond the insurance liability beginning and ending period

 

vii)
Loss caused by the Insured managed individual account owner’s unconformity with relative individual account management and
transaction regulations issued by the State related supervision bureau, the bank and the third party payment company.

 

VI.
Neither shall the Company be liable for the following loss, damage or responsibility:

 

i)
Interest and overdraft interest, commission, overdue fine, excess charge, default interest, fine, annual fee, membership fee,
card replacement fee etc and other indirect loss and expense.

 

ii)
Loss in the individual account caused by card making, reading, verifying device failure.

 

iii)
Legal cost, loss reporting fee, freezing fee and duplicating fee of the individual account.

 

iv)
Loss of additional function of the individual account by any means

 

v)
Loss happened in the Insured managed individual account cannot be approved that the account is not her/his own effective one (including
but not limited to the third party payment account)

 

vi)
Loss or damage already taken by the third party, including but not limited to loss or damage by issuing bank, payment company,
accepting bank etc.

 

vii)
Loss or damage already known or reasonably foreseeable by the Insured

 

viii)
Exemption indemnity clause or deductible in accordance with the franchise agreement within this contract

 

viii)
The insured is not liable to other loss and damage exclusive of the insurance coverage of this contract.

 

Exemption
limit and franchise amount (rate)

 

VIII.
Exemption limit includes cumulative indemnity limit, indemnity limit of every accident and indemnity limit of every accident per
person. It shall be negotiated and confirmed by the Company and Insured and written in the policy.

 

It
shall be written in the policy that indemnity limit of every accident or franchise is negotiated and confirmed by the Company
and Insured.

 

Insurance
premium

 

IX.
The insurance premium under this contract is confirmed by the Company according to the indemnity limit and the Insured actual
risk and shall be written in the policy.

 

Insurance
period

 

X.
Insurance period is the period from starting time to ending time that the Company is liable to the individual account managed
by the Insured or transacted made on the platform during the insurance. Details are negotiated and confirmed by the Company and
Insured and shall be written in the policy.

 

XI.
Unless otherwise stipulated, this insurance contract is valid for one year and period stated in the policy shall prevail.

 

The
company obligation

 

XII.
During conclusion, the Company shall provide the Applicant policy attached with standard clause when standard clause of the Company
is used and shall explain the contract clauses to the Applicant. The Company shall get the Applicant’s special attention
for exemption clause of the Company in the application, policy, or other documents, which shall be clearly explained by written
or oral means to the Applicant. Without instruction or clear explanation, the clause is not effective.

 

    	 

    	 

    

 

XIII.
After conclusion of the contract, the Company shall issue policy and other documents to the Insured promptly.

 

XIV.
The contract rescission right of the Company under this contract shall become invalid without performing after 30 days of the
date the Company shall know the rescission issue. After one year of the contract effectiveness, the Company shall not rescind
the contract. If any accident happened, the Company is liable for the indemnity.

 

The
contact shall not be terminated by the Company if the Company has already known the information the Insured not provided truthfully.
The Company shall be liable to the indemnity in case accident happens.

 

XV.
If the relative claim evidence and papers are not sufficient by the Insured, the Company shall inform the Insured to make supplement
in one time according to the contract.

 

XVI.
Upon receipt of indemnity application by the Insured, the Company shall make conclusion if it complies with the contract. Under
complex situation, the Company shall make conclusion within 30 days, except otherwise agreed in the contract.

 

The
Company shall inform conclusion to the Insured. The Company shall indemnify the Insured within 10 days of indemnity agreement
made within the Company’s liability. The Company shall indemnify the Insured according to indemnity agreement made if there
is specific indemnity period in the contract. If the conclusion is made and exclusive of the Company’s liability, the Company
shall send the Insured Notice of indemnity refusal within 3 days of conclusion made and explain.

 

XVII
Within 60 days upon receipt of the indemnity application and related documents and papers, the Company shall indemnify assured
sum according to the present documents and papers for unassured indemnity. When final indemnity is concluded, the Company shall
pay rest sum.

 

XVIII.
The Company is liable to keep secret for the confidential business, financial and privacy information of the Applicant and Insured
during negotiation, unless disclosure is required by the state administrative or judicial organizations.

 

The
Applicant and Insured obligations

 

XIX.
The Applicant shall make truthful reply to the inquiry of the insurance subject or the Insured by the Company during conclusion.

 

The
Company shall terminate the contract when the Applicant hasn’t performed his informing obligation deliberately or by gross
negligence to the extent that shall affect the Company’s acceptance or increasing insurance premium.

 

If
the Applicant hasn’t performed his informing obligation deliberately, the Company is not liable to the accidents happened
before the contract termination and shall not return the insurance premium.

 

If
the Applicant hasn’t performed his informing obligation by gross negligence to the extent that has big impact on the accident
arising therefrom, the Company is not liable to the accident happened before the contract termination but shall return the insurance
premium.

 

    	 

    	 

    

 

XX.
The Insured shall comply with the individual account regulation of bank and related finance organization and is liable to ask
all bank owners managed to do so. The individual account is limited to the owner to use and the supplementary card connected to
the master credit card insured is limited to the supplementary card owner to use.

 

XXI.
When the managed individual account owner has known or shall know loss, theft or misuse happened, the Insured shall ask him to
inform issuing bank or payment company to make prompt loss report or other necessary protections and report to the police within
24 hours. At the same time the Insured shall be informed and related capital loss evidence shall be provided cooperatively

 

XXII.
The Insured shall inform the Company in time when accidents happened and make below efforts:

 

i)
The Insured shall make necessary and reasonable efforts to prevent or minimize loss. Otherwise, the Company is not liable to the
growing loss arising therefrom.

 

ii)
Within 24 hours that he has known or shall know accident happened, the Insured shall ask the managed individual account owner
to inform issuing bank or payment company to make prompt loss report or other necessary protections, report to the police and
also inform the Company of the accident reason, process and loss. If the Insured didn’t inform the account owner or ask
the owner to inform the accident in time deliberately or by gross negligence to the extent that the accident type, reason and
loss cannot be assured, the Company is not liable to the indemnity unassured, unless the Company has known or shall know the accident
in other ways.

 

iii)
Allow and assist the Company to investigate the accident.

 

XXIII.
The Insured shall provide below documents to the Company when claim is made:

 

i)
Claim application form

 

ii)
Insurance policy number and detailed list

 

iii)
The fraudulent and stealing transaction list in individual account managed by the Insured

 

iv)
The cash flow record of loss, for example, bank statement, transaction list, and payee’s name and account if transfer involved.

 

v)
The owner’s ID copy

 

vi)
Evidence of individual loss report or freezing time

 

vii)
Evidence of process, record, document from the issuing bank to help the owner to chase the theft cash.

 

viii)
Case record by the police and evidence solved or not.

 

Other
evidence and document by the Applicant and Insured related to the accident type, reason and loss confirmation.

 

The
Company is not liable to the unassured part if the Insured didn’t take liability of providing the claim documents and the
Company cannot verify the loss.

 

XXIV.
Insurance premium paid by the Applicant accordingly

    	 

    	 

    

 

The
Applicant shall pay the insurance premium once before effectiveness of the insurance if it’s stipulated so or payment terms
or payment time not stipulated. The Applicant shall pay the first part of insurance premium accordingly if a partial payment term
is stipulated. The Company is not liable to the loss happened before payment is made if the Applicant fails to make payment accordingly.

 

If
neither did the Applicant pay full insurance premium on time nor pay the second part or any subsequent part on time, the Company
shall take liability according to proportion of paid premium by the Insured in the whole premium stated in the policy before the
accident happened from the violation date. When violation ends, the Company shall keep on taking the corresponding liability.

 

Compensation

 

XXV.
When accident happened, the Insured shall not apply for indemnity for object without insurable interest.

 

XXVI.
The Company shall work out indemnity as below upon receipt of written compensation application by the Insured.

 

i)
If indemnity limit for every accident is stipulated, the Company shall work out indemnity after the franchise is deductible but
the indemnity shall be within the limit for any accident loss. If indemnity limit for every accident per person is stipulated,
the Company shall work out indemnity after the franchise is deductible but the indemnity shall be within the limit for any accident
per person loss.

 

ii)
During the insurance period, the cumulative loss from accidents under the liability shall not exceed the total indemnity limit
stipulated in the policy.

 

XXVII.
If the loss under the insurance scope shall be taken by relevant responsible party, from the date the Company indemnifies the
Insured, the Insured shall inform the Company of necessary documents and related known information when the Company exercises
subrogation for relevant responsible party within the insurance scope.

 

If
the Insured have got indemnity from relevant responsible party, such sum shall be deducted from indemnity made by the Company.

 

In
case of any accident before indemnity is unpaid by the Company, the Company shall not take liability if the Insured waives compensation
for relevant responsible party. After indemnity is paid by the Company, it is invalid that the Insured waives compensation for
relevant responsible party without the Company agreement. The Company shall deduct or ask for insurance premium return when the
Company cannot exercise subrogation due to the Insured deliberation or gross negligence

 

XXVII.
Once accident happened and there is double insurance, the Company shall be liable to proportion of sum under this policy with
total sum of other policies and this policy.

The
Company shall not pay advance for the indemnity born by other Companies. The Company shall claim the excess sum if the Insured
didn’t inform the Company truthfully so that the Company paid more indemnity.

 

XXIX.
The limitation of action is 2 years regarding the Insured asks indemnity from the Company from the date the Insured have known
or shall know the accident.

 

    	 

    	 

    

 

Dispute
and applicable laws

 

XXX.
All disputes under this insurance arising between the Insured and the Company shall be settled through friendly negotiations.
Where two parties fail to reach an agreement after negotiations, such disputes shall be submitted to arbitration. If arbitration
organization is not stipulated or arbitration not concluded, it shall be submitted to court for legal actions.

 

XXXI.
All disputes related to this contract or fulfillment arising is governed by law of the People’s Republic of China (exclusive
of Hong Kong, Macau and Taiwan)

 

Other
terms

 

XXXII.
The Applicant is entitled to terminate this contract in writing after effectiveness of this contract.

 

The
Applicant shall provide following certificates and document when the contract termination is required by the Applicant

 

i)
Original copy of insurance policy and other original copies of insurance certificates.

 

ii)
Contract termination application

 

iii)
ID certificate of the Applicant

 

When
the contract termination is required by the Applicant, the insurance liability shall terminate from the date the Company’s
receipt of the contract termination application. The Company shall return insurance premium unexpired within 30 days upon receipt
of the above certificates and documents.

 

Definition

 

XXXIII.
The definition under this contract is described as below:

 

Owner:
the individuals apply by his own name and hold credit card, debit card and third party payment account legally.

 

Excess
charge: excess means the transaction sum of credit card has exceeded the approved quota by the issuing bank (including consumption
and cashing). Excess charge standard stipulated by the People’s Bank of China is as below: for any excess, the owner shall
not have the right of grace period and minimum payment. Overdraft interest is calculated in accordance with the stipulated interest
rate from the date payment on due or overdraft is booked. Excess charge shall be made based on 5% of the excess sum over the credit
card quota when credit card excess found by the issuing bank.

 

Effective
individual account: it shall be legal, effective, valid, activated and may be used and comply with the related regulations of
state, bank and other third payment organizations.

 

Insurance
premium unexpired: the standard is insurance premium x (1- expired days/coverage days) x (Insurance premium-cumulative indemnity)
x (1-return premium). Less than one day is calculated as one day. The return premium shall be negotiated between the Insured and
the Company and written in the policy. Without such stipulation, the return premium shall be 25%.Credit
Information Sharing Service Platform of Microfinance Industry

 

Member
Service Agreement

 

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

 

Legal
representative: Liu Bodang

Address:
Room 1105, 1106, 10/F, Building 1, No.6 Danleng Street, Haidian District, Beijing

Tel:
68895736

Fax:

 

Party
B: Beijing Allwin Credit Reference Co., Ltd. 

 

Legal
representative: Chang Sheng

Address:
Room 503, Section B, TYG Center, C2 Dongsanhuan North Road, Chaoyang District, Beijing

Tel:
010-84417938

Fax:
010-84417466

 

Beijing
Allwin Credit Reference Co., Ltd.

Special
seal for contract

 

    	 	 	 

     

    

 

Credit
Information Sharing Service Platform of Microfinance Industry

 

Member
Service Agreement

 

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

Party
B: Beijing Allwin Credit Reference Co., Ltd.

 

Credit
Information Sharing Service Platform of Microfinance Industry (abbreviation: MPS, hereinafter referred to as the “sharing
service platform”) is an industry membership-based third-party credit service platform developed, constructed and operated
by Party B, aiming at providing accurate, efficient and targeted credit services for the various agencies engaged in the microfinance
related business in our country to realize shared query of personal credit information.

 

Party
A is a legally registered and operating corporate body engaged in the microfinance, microfinance intermediary service and personal
consumption credit business, taking natural persons as the credit objects, applying for becoming a member agency of the sharing
service platform voluntarily, for the need of strengthening business risk management.

 

The
Parties have signed this agreement upon consensus through friendly negotiation.

 

.
Party A has carefully read the Member Articles for the Credit Information Sharing Service Platform of Microfinance Industry, and
submitted the Form for the Application of the Membership of the Credit Information Sharing Service Platform of Microfinance Industry,
verified and agreed by Party B, and become the member agency of the sharing service platform.

 

2.
The Parties agree to jointly abide by the Member Articles for the Credit Information Sharing Service Platform of Microfinance
Industry (hereinafter referred to as the “Member Articles”).

 

3.
Party A may choose freely the service functions of the sharing service platform, and conduct shared inquiry of the personal credit
information on the sharing service platform according to the various specification requirements stipulated by the of the member
articles.

 

4.
In order to ensure the normal use of the service functions of the sharing service platform by Party A, Party B shall provide the
following supporting services for Party.

 

    	 	 	 

     

    

 

1).
Open the user of the sharing service platform. Party B shall open 1 manage user for Party A, and issue the corresponding
user CA authentication certificate.

 

If
Party A needs to increase or close users, it shall notify Party Bin with the form of official written documents, and Party B shall
complete the formality of increasing or closing users within 2 business days after receiving the written documents of Party A,
and send a notice of closing or increasing users to Party A.

 

2).
sharing service platform access services: Party B may provide two forms of access services: interface query and USB query.

 

Party
A may choose to access the sharing service platform according to its own practical situation.

 

Party
B shall provide Party A with the corresponding information and file format specifications, as well as the network debugging and
other essential technical support and consulting services. For member agencies choosing interface query access, Party B will only
provide remote technical support and consulting services in principle; for member agencies choosing USB query access, except for
providing remote technical support and consulting services, Party B is also required to arrange 1 time of networking debugging
service for the sharing service platform at the office location of Party A.

 

3).
Personnel training

 

Party
B may train the operating personnel of the sharing service platform of Party A by means of on-site and remote communication. The
specific time, place and manner of on-site training shall be negotiated otherwise by the Parties.

 

4).
Guidance and consulting services

 

Party
B may provide Party A with legal and management consulting services for the compliant use of the sharing service platform, mainly
including:

 

(1)
Provide essential consultation and guidance for the supplementary revision of the related contract documents entered into by and
between the member agencies, borrowers and employees.

 

    	 	 	 

     

    

 

(2)
Provide essential consultation and guidance member agencies to formulate and perfect management systems related to the use of
the information sharing platform.

 

In
principle, Party B shall only provide Party A with the above consultation and guidance services by means of remote communication.

 

5).
Statistical service

 

(1)
With the sharing service platform, Party A may make statistics to and download the daily, monthly and annual shared inquiry records
and consolidated statement of the users of the agency. Where, query users of Party A can only make statistics to and download
the shared inquiry records and statistical statement of the user; managing users of Party A may make statistics to and download
the shared inquiry records and statistical statement of all the users of Party A, as well as the detail record and statistical
statement of the information of employee bad practice behavior submitted and inquired by Party A.

 

(2)
Party B shall send the monthly statistical statement of the running of the sharing service platform to Party A by email, etc.
on a monthly basis, contents of which shall include the member and user quantity, number of natural persons included, shared inquiries
and other statistical information of the sharing service platform.

 

5.
The period when the sharing service platform is popularized is the period of toll-free services, without charging any fee from
Party A.

 

To
assure the sustainable operation of the sharing service platform, after the official operation of the sharing service platform,
Party B will charge fees from Party A according to the unified membership service polices and charging standards.

 

30
days before the end of the popularization period of the sharing service platform, Party B will notify Party Ain written form and
sign a supplementary agreement with Party A in respect of the specific matter of charging fees.

 

6.
As a member agency of the sharing service platform, Party A shall assume and fulfill the following responsibilities and obligations.
If Party A causes economic losses to Party B due to violating the following terms, the former shall assume liabilities for compensation,
and the latter shall have the right to terminate this agreement unilaterally.

 

    	 	 	 

     

    

 

1).
Party A shall abide by the member responsibilities and obligations prescribed by the Member Articles, accept the supervision and
inspection of Party B consciously, cooperate with the operating services and management work of the sharing service platform of
Party B, and Party A shall not provide false information to Party B for the purpose of coping with the inspection. Otherwise,
all the legal liabilities arising therefrom shall be borne by Party A.

 

2).
Before using the MSP to inquire personal information, Party A shall obtain the written authorization agreement of the subject
of information. Otherwise, all the legal liabilities arising therefrom shall be borne by Party A.

 

3).
Before submitting the personal information to Party B, Party A shall obtain the written authorization agreement of the subject
of information and agree on the scope of information collection, informing the subject of information that, its personal information
will be recorded in the credit information database of Party B. Otherwise, all the legal liabilities arising therefrom shall be
borne by Party A.

 

4).Party
A is obliged to manage properly and keep confidential permanently the personal information obtained on the MSP platform, and shall
not use it for other purposes in addition to the use in accordance with the law; shall not disclose to any organization and individual
the personal information; shall not use the personal information obtained for purposes other than microfinance business risk management
by Party A; without the written consent of Party B, Party A shall not provide the personal information obtained from Party B to
any third parties; otherwise, the legal liabilities resulted therefrom shall be borne by Party A. After the termination of this
agreement, this clause shall still have the legal force.

 

5).
When providing bad personal information to Party B, Party A shall inform the information subject beforehand, and keep the evidences
of notification, such as call records, SMS, e-mail, etc. If Party A fails to inform the information subject the provision of the
bad personal information to Party B, it shall bear the legal liabilities arising therefrom.

 

6).
Party A can only use the U-Key\MSP interface by itself, and shall not lend, lease, transfer, or sell them to any third parties.

 

7).
Party A shall assure the integrity of the information submitted to Party B, including but not limited to the basic personal information,
loan application information, loan contract information, and repayment behavior information.

 

    	 	 	 

     

    

 

7.
As the operating organization of the sharing service platform, Party B shall assume and fulfill the following responsibilities
and obligations:

 

1).
Establish and perfect the management system and service process according to the relevant requirements of the member articles
and this agreement, assure adequately the safe and stable operation of the sharing service platform, do earnestly the management
and service work on the member agencies, and guarantee effectively the various rights and interests of the member agencies.

 

2).
Party B is obliged to keep confidential the personal credit information submitted by Party A through shared inquiry. Except for
being used according to laws and regulations and according to the methods agreed hereof, Party B shall not reveal or disclose
such information to any third parties directly or indirectly.

 

3).
Party B is obliged to keep properly the enterprise data and member registration information submitted by Party A during the application
of membership qualification.

 

4).
Party B is obliged to report to Party A the working condition, change condition of committee member composition and other conditions
of the supervisory committee of the Credit Information Sharing Service Platform of Microfinance Industry by means of email and
other forms at regular intervals.

 

5).
Party B is obliged to establish effective and convenient channels and processes accept and handle timely and properly the comments,
suggestions and complaints from Party A on the operation management and service work of the sharing service platform.

 

8.
The Parties shall cooperate to dispose the objection information of the information subject.

 

Clients
of Party A can view their personal credit reports obtained by Party A from the sharing service platform. If there is any objection
from any client on the information set forth by its personal credit report, Party A can provide it with the Application Form for
the Complaint of Objection Information, and fax the Application Form for the Complaint of Objection Information filled out by
the client to Party B, which will be verified and handled by Party B according to the process.

 

    	 	 	 

     

    

 

The
wrong information caused by Party B during the processing of the information data shall be corrected by Party B without delay
in the database of the sharing service platform, and within 2 days after the correction, Party B shall inform Party A and the
information subject the disposal result in written form.

 

If
the objection information is from the raw information submitted by Party A, Party A shall be responsible for the verification
and handling, and inform Party B in written form within 2 days after the final disposal result of the objection information is
determined. Party B shall be responsible for the correction of the objection information in the database of the sharing service
platform, inform Party A and the information subject in written form within 2 days after the completion of the correction.

 

9.
Party B shall have the intellectual property rights for the sharing service platform as well as the related service design. Party
A shall not copy or produce the credit information sharing service system and service products identical or similar to the sharing
service platform operated by Party B, including system structure, page design, sharing inquiry mode, information data specification
and query result report contents, etc.

 

10.
For delayed service, leakage of information and data as well as failure in performing this agreement due to events of force majeure,
Party B will assume no liability.

 

11.
All disputes arising from or in connection with the performance of this agreement as well as the annexes thereof shall first be
settled by the Parties through friendly negotiation. If the negotiation fails, the Parties shall file the disputes to Beijing
Arbitration Commission for arbitration upon consensus, and the Parties shall agree with the arbitration award made by the executive
committee.

 

12.
Correspondences of any written form in connection with this agreement shall be in Chinese, which shall be sent out by hand, registered
mail or fax. If delivered by hand, the day of the delivery shall be deemed as the service date; if sent by registered mail, the
seventh day from the mail receipt postmark date shall be deemed as the service date; if sent out by fax, it shall be deemed as
served after being confirmed by the receiving party through telephone.

 

13.
If one of the following conditions occurs, either party shall have the right to terminate this agreement unilaterally by sending
a written notice to the other party, this agreement will terminate automatically.

 

1).
Party A gives up the membership voluntarily.

 

    	 	 	 

     

    

 

2).
Party B cancels the membership of Party A according to the relevant provisions of the Member Articles for the Credit Information
Sharing Service Platform of Microfinance Industry

 

3).
Either party enters into bankruptcy, liquidation, suspend business for rectification or termination of business.

 

4).
This agreement is unable to be executed or purposes of this agreement are unable to be realized due to the issuance or modification
of any laws and regulations or the requirements of supervisory authorities.

 

14.
If any provision of this agreement is in conflict with the future laws, regulations, rules and regulatory documents of our country,
the Parties shall make corresponding changes to the related terms hereof according to the stipulations of such laws, regulations,
rules and regulatory documents through friendly negotiation.

 

15.
This agreement will come into force after being signed and sealed by the legal representatives or authorized representatives of
the Parties. This agreement and its annexes are made out in duplicate, with each party holding one copy respectively, which shall
have same legal effect.

 

16.
For any matters not covered hereof, the Parties shall negotiate otherwise, and sign a supplementary agreement. Any modifications
made to this agreement and its annexes can only take effect after being signed and seal in writing by the Parties.

 

	Party A: 		(Official seal) 	

 

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

 

 

	Party
    B: Beijing Allwin Credit Reference Co., Ltd. (offical seal)	
	Representative of Party B: (Signature)

                                                                                

 

Beijing
Allwin Credit Reference Co., Ltd.

Special
seal for contract

 

Date
of signing: July 3, 2015

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