Document:

Exhibit 4.13

 

Real Estate Property Purchase Agreement

 

Party A: Jiangxi Yueshang Investment Co., Ltd.

 

Unified Social Credit Code:

 

Legal Representative: Huang Baohua

 

Tel.:

 

Address: 1/F, Jianshe Building, No. 6, Ji’an South
Avenue, Ji’an

 

Party B: Jiangxi Universe Pharmaceuticals Co.,
Ltd.

 

Social Unified Code:

 

Legal Representative: LAI Gang

 

Tel.:

 

Address: No. 265, Jingjiu Avenue, Jinggangshan
Economic and Technological Development Zone, Ji’an, Jiangxi

 

According to the resolution of the Board of Directors
of Ji’an Guangdong Chamber of Commerce on December 28, 2010 and the resolution of the sponsors of Jiangxi Yueshang Investment Co., Ltd.
on May 6, 2011 (Resolution IV), some real estate is provided for internal subscription by members. After negotiation, both parties hereby
enter into the Agreement:

 

Article 1: Party A develops “Yueshang
Building” (tentative name) located at the junction of Jinggangshan Avenue and Ji’an South Avenue, which is tentatively scheduled
to be delivered for use on June 1, 2020.

 

Article 2: Party B is a member of Ji’an
Guangdong Chamber of Commerce, who is eligible to purchase the property of the Building and sign the Agreement only after written confirmation
by Ji’an Guangdong Chamber of Commerce or provision of the payment certificate of membership fee.

 

Article 3: Property Purchased 

 

Party B voluntarily orders “Yueshang Building”
from Party A: 1. Apartment: F23; No.: 2309-2313 and 2315-2316, 2. Commercial office: F23; No.: 2301 and 2302,
with an area of about 2749.30 square meters (including room building area and shared area between public parts and public premises, which
shall be subject to the surveying and mapping area of the Housing Authority and Housing Department).

 

Article 4   Sales Price and Purchase Price

 

The unit price and total price of the above real
estate are detailed as follows:

 

	Floor 	Selected property No. 	Floor area 

(m2) 	Unit price after discount 

(CNY/m2) 	Total price 

after discount

 (CNY/m2) 	Total price to be

 actually paid

 (CNY) 
	F23 	2309-2313, 2315, 2316, 

2301, 2310, 2310 and 

2311 	2749.30	CNY 11,640/m2 	32001852.00	32000000.00

 

	Total price of premise to be actually paid 	    CNY Thirty Two Million only 

 

    Jiangxi Yueshang Investment Corp. 1

     

    

 

The price is only the premise purchase price,
excluding the interior decoration fees as well as taxes, fees and other taxes required for handling the property right certificate. According
to the spirit of the Report of Ji’an Municipal People’s Government Office (JFBC [2015] No. 104), 70% of premises selected in the
Agreement shall not be sold the outside. The property owners who hold the property right for the first time for no less than 5 years can
transfer the property right among the members of the Chamber of Commerce (Association) without changing the property as the economic purpose
of the headquarters and in line with the industrial development plan of Luling New Area, and the time for handling the property right
certificate shall be subject to the time finally approved by the government department.

 

Article 5: Determination of Payment Method:

 

1. 50% in advance, i.e. CNY sixteen million
only; 2. 20% in advance, i.e. RMB six million four hundred thousand only for the materials submitted for handling the property right certificate;
3. 30% of the balance payment of the delivered property right certificate, i.e. CNY nine million six hundred thousand only. 

 

Article 6: Determination of Building Area and
Premise Purchase Price: 

 

If the construction area of the commercial residential
building agreed in this Contract is inconsistent with that registered on the property ownership certificate issued by the Municipal Property
Management Department, the construction area registered on the property ownership certificate by the Property Management Department shall
prevail; The purchase price shall be recalculated according to the sales price agreed in this Contract and the construction area registered
by the Property Management Department on the property ownership certificate, and refund for any over payment or a supplemental payment
for any deficiency shall be conducted according to the facts.

 

Article 7: The unit price and total price
of the property subscribed in the Agreement are only the purchase price, so the taxes and fees for handling the property ownership certificate
and land certificate shall be borne by the Buyer. If the Buyer fails to obtain the property ownership certificate in time due to the registration
authority or the Buyer, the Seller shall not bear any responsibility. If Party B purchases the premise by means of personal or corporate
mortgage loan (installment), the amount and term of commercial bank loan applied by Party B shall be subject to the final approval of
the bank.

 

Article 8: If Party B violates the following
agreements, Party A has the right to ask Party B to pay 0.06% for the overdue payment to Party A as liquidated damages on a daily basis,
or unilaterally terminate this subscription agreement and sell the property separately. However, the deposit paid by Party B will not
be refunded, and the rest of the payment will be returned to Party B without interest:

 

		(1)	Party B fails to pay in accordance with Article 5 of the Agreement.

 

Article 9: Party A shall send the premise
delivery notice and other relevant notices related to the premise by registered mail or telephone according to the telephone contact information
and mailing address provided by Party B under the Agreement and it shall be deemed that they have been delivered within 15 days from the
date of sending. Besides, the property management fee shall be calculated from the second day of the deadline for delivery specified in
the premise delivery notice. If Party B fails to notify Party A in writing of any change, the responsibility shall be borne by Party B.

 

    Jiangxi Yueshang Investment Corp. 2

     

    

 

Article 10: Special Agreement 

 

1.
After signing the Internal Purchase Agreement, if the Buyer needs to change, the Buyer shall provide relevant proof of relationship
with the Buyer (such as household register or marriage certificate) and obtain the consent of the Company. If the relevant proof of relationship
cannot be provided, the Buyer shall pay a handling fee of CNY 5,000 to the Company each time before the change.

 

2. As
for the position of the property purchased by Party B, Party B shall be provided with the relevant procedures (according to the property
number of Party A) (Party B and Party A shall sign a supplementary contract to confirm the position range, area and delivery time of the
property). Party A may sell or resell the property purchased by Party B on the premise of obtaining party B’s prior approval (in writing).

 

3. The
contact information and address provided by Party B in this Purchase Agreement are the basis for Party A to contact Party B, and Party
B shall ensure the accuracy of the information provided. If Party A fails to contact Party B with the contact information provided by
Party B, any adverse consequences arising therefrom shall be borne by Party B.

 

4. Party
A shall not sell the property in violation of this Agreement, otherwise, Party A shall compensate Party B for its losses in accordance
with relevant national laws and regulations and pay party B the proceeds from the sale of the property and the relevant economic losses
within three days.

 

Article 11 This Agreement is made in
duplicate, one for each party. Each copy shall have equal legal effect. Other matters not mentioned in the Agreement shall be settled
by the parties through negotiation.

 

	Party A: Jiangxi Yueshang Investment Co., Ltd.	Party B: Jiangxi Universe Pharmaceuticals Co., Ltd.
	 	 
	Legal Representative: Huang Baohua (signature)	Entrusted Agent: Yang Lin (signature) 
	 	 
	May 6, 2021	May 6, 2021
	 	 
	 	 

 

 

 

Jiangxi Yueshang Investment Corp. 3Exhibit 4.14

 

[2021] L.L.N.S.H.L.J.Z. No.: 17229202106161003001

 

Working Capital Loan Contract 

 

Borrower Jiangxi Universe Pharmaceuticals
Co., Ltd. 

 

Lender Jiangxi Luling Rural Commercial
Bank Co., Ltd. 

 

		Jiangxi Rural Commercial Bank

 

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Special Notice: In order to protect the legitimate
rights and interests of the Borrower, the Lender hereby requests the Borrower to give full attention to all provisions concerning the
rights and obligations of the parties, especially those shown in bold. If the Borrower has any objection, it shall raise the objection
to the Lender. Otherwise, after this Contract is entered into by and between the Borrower and the Lender, all the terms and conditions
herein represent the true intention of both parties, are protected by law and shall be legally binding on both parties herein.

 

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Working Capital Loan Contract 

 

[2021] L.L.N.S.H.L.J.Z. No.: 17229202106161003001

 

Borrower: Jiangxi Universe Pharmaceutical Co.,
Ltd.                                                                                                                                   

 

Business License No.:                                                                                                                                                                                     

 

Legal Representative / Person in Charge: LAI
Gang                                                                                                                                   

 

Business Address: Jingjiu Avenue, Jinggangshan
Economic and Technological Development Zone, Ji’an County                    

 

Mailing Address: The same as above                                                                                                                                                           

 

Postal Code: 343100
                                                                                                                                               
Tel.:                                

 

Electronic Contact Information (Email and WeChat
Account No.):  

 

Lender: Jiangxi Luling Rural Commercial Bank
Co., Ltd.                                                                                                                              

 

Legal Representative / Person in Charge:                                                                                                                                                    

 

Business Address: No. 205, Fuchuan Road, Ji’an
County                                                                                                                         

 

Postal Code: 343100                                                                                                                                                                                          

 

Tel.:                                                                                                                                                             
Fax:
                                                

 

Pursuant to the laws and regulations of the People’s
Republic of China and other relevant regulations, the Borrower and the Lender have reached an agreement with respect to the matter that
the Lender grants a working capital loan to the Borrower, and hereby execute this Contract by consensus, which shall be binding on both
parties.

 

Chapter 1 Execution Provisions 

 

Article 1 Loan Amount and Currency 

 

Loan Amount (in words): CNY Ten Million. 

 

(In Figures) CNY 10,000,000.00. 

 

The loan amount under this Contract is: ☐revolving
borrowing limit þnon-revolving loan amount.

 

Article 2 Loan Term 

 

The valid loan term under this Contract shall
be: 12 months from June 16, 2021 to June 15, 2022.

 

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	☐	In the event that the loan amount hereunder is a revolving
borrowing limit, the term of borrowing limit shall be the same as the valid loan term as agreed herein. The term of each loan shall be
subject to the term recorded in the loan note.

 

	þ	In the event that the loan amount hereunder is a non-revolving
borrowing limit, the loan term shall be the same as the valid loan term as agreed herein. The specific loan term shall be subject to
the term recorded in the loan note.

 

If the Borrower has any default circumstance
listed in Article 19 of this Contract, and the Borrower agrees that the Lender may recover the loan in advance, then the Lender may announce
that the date of recovering the loan in advance is the due date of the loan. 

 

Article 3 Loan Purpose 

 

The loan borrowed hereunder shall be used for
turnover of working capital.

 

Without the written consent of the Lender, the
Borrower may neither change the loan purpose nor use the loan for any other purposes. The Lender shall have the right to supervise the
Borrower’s use of the loan.

 

Article 4 Loan Interest Rate, Interest Calculation
and Settlement 

 

1. Loan
Interest Rate 

 

The method as described in following Item (1)
shall apply for the determination of loan interest rate:

 

(1) Fixed Interest Rate. The annual interest rate shall be 4.81%.

 

The loan prime rate (LPR) recently published
on þ the date of signature hereof ☐ withdrawal date for ___ years’ loan, which is
3.85, and þincreased percentage points ☐decreased percentage points, which is 96
bp (1bp = 0.01%). The annual interest rate shall be 4.81%. The interest rate shall remain unchanged during the loan term.

 

(2) Floating Interest Rate.

 

The loan interest rate shall be determined
by the loan prime rate (LPR) recently published on the working day before the withdrawal date for _____ years’ loan and
☐increased percentage points ☐decreased percentage points, which is ____ bp. The increased or decreased percentage
points shall remain unchanged during the term of this Contract. In case of any adjustment to the LPR, its loan interest rate
determination method shall be handled according to the following Item                       
and the Lender will not give a further notice to the Borrower: 

 

	☐	Annual Adjustment. From January 1 of the next year, the loan
interest rate shall be adjusted, on the basis of the LPR recently published, in accordance with the increased or decreased percentage
points agreed herein;

 

	☐	Annual Adjustment. From the corresponding date of the corresponding
month in the corresponding year, the loan interest rate shall be adjusted, on the basis of the LPR recently published, in accordance
with the increased or decreased percentage points agreed herein;

 

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	☐	Quarterly Adjustment. From the corresponding date of the
first month in the corresponding quarter, the loan interest rate shall be adjusted, on the basis of the LPR recently published, in accordance
with the increased or decreased percentage points agreed herein;

 

	☐	Quarterly Adjustment. From the first day of the first month
in the corresponding quarter, the loan interest rate shall be adjusted, on the basis of the LPR recently published, in accordance with
the increased or decreased percentage points agreed herein;

 

	☐	Monthly Adjustment. From the corresponding date of the corresponding
month, the loan interest rate shall be adjusted, on the basis of the LPR recently published, in accordance with the increased or decreased
percentage points agreed herein (If there is no corresponding day in the month of adjustment, the last day of such month shall be treated
as the corresponding day);

 

	☐	Monthly Adjustment. From the corresponding date of the corresponding
month, the loan interest rate shall be adjusted, on the basis of the LPR recently published, in accordance with the increased or decreased
percentage points agreed herein;

 

	☐	Immediate Adjustment. From the date immediately following
the date of the LRP recently published, the loan interest rate shall be adjusted, on the basis of the new LPR, in accordance with the
increased or decreased percentage points agreed herein.

 

(3) The
loan interest rate shall be determined by other methods: ________/________________.

 

If the Borrower chooses the “(2) floating
interest rate” method, and when the loan prime rate (LPR) of the loan market increases, the monthly repayment amount of the Borrower
will increase. If the Borrower still makes the repayment according to the repayment amount before adjustment, the monthly repayment amount
will be insufficient, resulting in penalty interest and compound interest and affecting the credit record of the Borrower. 

 

2. Interest
Settlement Method 

 

The Borrower will settle the interest in a method
as described in following Item (2) :

 

(1) Quarterly Interest Settlement. The 20th day of the last month of each quarter shall be the interest settlement date, and the 21st day shall be the interest payment date.

 

(2) Monthly Interest Settlement. The 20th day of each month shall be the interest settlement date, and the 21st day shall be the interest payment date.

 

(3) The interest shall be settled by other methods: _____/__________________________.

 

In the event that the repayment date of the last
installment of loan principal is not the interestpayment date, such repayment date of the last installment of loan principal shall be
the interest payment date on which the Borrower shall pay off all the interests payable.

 

3. Penalty
Interest Rate 

 

(1) In the event that the Borrower fails to repay the loan within the agreed time limit, interest shall be calculated and charged over the overdue part at the penalty interest rate for overdue loan from the overdue day, until the principal and interest are paid off;

 

(2) In the event that the Borrower uses the loan for any purposes other than those agreed herein, interest shall be calculated and charged over the misappropriated part at the penalty interest rate for misappropriated loan from the misappropriation date, until the principal and interest are paid off;

 

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(3) In the event that the loan is overdue and misappropriated, interest shall be calculated and charged at the penalty interest rate for misappropriated loan;

 

(4) With respect to the interest and penalty interest that the Borrower fails to pay as scheduled, compound interest shall be calculated and charged at the penalty interest rate agreed in this paragraph in the interest settlement method as agreed in Paragraph 2 hereof;

 

(5) In case of any adjustment to the loan interest rate agreed herein, the penalty interest and compound interest shall be calculated at the adjusted interest rate from the adjustment date;

 

(6) Penalty Interest Rate

 

The penalty interest rate for overdue loan shall
be 50% higher than the loan interest rate agreed in Paragraph 1 hereof; the penalty interest rate for misappropriated loan shall
be 100% higher than the loan interest rate agreed in Paragraph 1 hereof.

 

Article 5 Loan Disbursement and Repayment
Account 

 

The Borrower shall open an account as follows
with the Lender as the loan disbursement and repayment account, which shall be used for loan disbursement, payment and repayment.

 

Bank of deposit: Luling Rural Commercial Bank

 

Account Name: Jiangxi Universe Pharmaceuticals
Co., Ltd. 

 

Account Number:

 

Article 6 Repayment 

 

Unless otherwise agreed by the parties, the Borrower
shall repay the loan hereunder in accordance with the repayment schedule as set forth in Item 1 below:

 

1. Repay the loan hereunder in full upon the expiration of the loan term.

 

2. Repay the loan hereunder in accordance with the following repayment schedule:

 

	Repayment Time 	Repayment Amount 
	1. 	 
	2. 	 
	3. 	 
	4. 	 
	5. 	 
	6. 	 
	7. 	 
	8. 	 
	9. 	 
	Total 	 

 

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3. Other
Repayment Schedule: ________/____________________________.

 

4. Where
the Borrower makes repayment in advance, it shall obtain the consent from the Lender 1 banking days in advance.

 

Article 7 Guarantee 

 

The loan hereunder shall be a guaranteed
(credit/ guaranteed) loan. The guarantee type shall be guarantee (guarantee/ mortgage/ pledge), and the guarantee contract shall
be executed separately. 

 

Article 8 Contract Agreements on the Borrower’s
Financial Indicators: 

 

N/A.

 

Article 9 Dispute Resolution 

 

1. After this Contract takes effect, any dispute arising from the execution or performance hereof or in connection with this Contract shall be settled by both parties through negotiation. If such negotiation fails, either party may file a lawsuit with the People’s Court having jurisdiction over the place of the Lender in accordance with the law.

 

2. During the dispute resolution, in the event that the dispute does not affect the performance of the remaining provisions of this Contract, such remaining provisions shall continue to be performed.

 

3. After negotiation between the parties, the parties may conduct notarization for the compulsory enforcement of this Contract. The Borrower agrees that this Contract shall have the compulsory enforcement effect after it is notarized. In the event that the Borrower fails to perform its obligations under this Contract, the Lender may apply to the People’s Court having jurisdiction for compulsory enforcement according to law.

 

Article 10 Effectiveness of the Contract

 

This Contract shall take effect from the date
when both parties affix their signatures and seals hereto.

 

This Contract is made out in triplicate,
with the Borrower, the Lender and the Guarantor holding one counterpart each. Each counterpart shall have the same legal
effect.

 

Article 11 Other Agreements 

 

N/A.

 

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Chapter 2 Standard Provisions 

 

Article 12 Interest Calculation 

 

The interest shall be calculated from the Borrower’s
actual withdrawal date and shall be calculated according to the actual withdrawal amount and use days of loan.

 

Interest Formula: Interest = Principal ×
Actual Days × Daily Interest Rate.

 

The daily interest rate is calculated on a base
of 360 days a year. Conversion Formula: Daily Interest Rate = Annual Interest Rate / 360.

 

Article 13 Loan Disbursement Conditions

 

1. The
Borrower must meet all the following conditions for loan disbursement, otherwise the Lender shall have no obligation to disburse any loan
to the Borrower, unless the Lender agrees to disburse the loan in advance: 

 

(1) The Contract and its appendixes have become effective;

 

(2) The Borrower has reserved to the Lender the Borrower’s documents, receipts, seals, lists of persons and specimen signatures in relation to the execution and performance of this Contract and filled in the relevant vouchers;

 

(3) The Borrower has, according to the Lender’s requirements, opened an account necessary for the performance of this Contract;

 

(4) The Borrower, within 3 banking days prior to the withdrawal, has submitted to the Lender the written withdrawal notice and the relevant supporting documents for loan purpose which is consistent with the purpose as agreed herein, and has completed the relevant withdrawal procedures;

 

(5) The Borrower has submitted to the Lender the resolution and letter of authorization of the board of directors or other competent authorities, which agree to the execution and performance of this Contract;

 

(6) In accordance with relevant regulatory provisions and management requirements of the Lender, if the loan exceeds a certain amount or meets other conditions, the Lender shall, according to the Borrower’s withdrawal application and payment authorization, pay the loan to the payment object conforming to the purpose agreed herein in a manner of authorized payment by the Lender;

 

(7) In addition to the credit loan, the Borrower has provided the corresponding guarantee as required by the Lender and has completed the relevant guarantee procedures, and the guarantee is legal and valid;

 

(8) The Borrower has not breached this Contract or any other contracts executed by and between the Borrower and the Lender;

 

2. In the event that the Borrower fails to make any withdrawal for 3 consecutive months from the contract execution date, the Lender shall be entitled to cancel the borrowing limit.

 

Article 14 Special Arrangements on Revolving
Loan (Maximum Loan) 

 

1. During the term of revolving borrowing limit, the sum of the loan principal balance of at any time shall not exceed the revolving borrowing limit; the repayment date of any withdrawal shall not exceed the term of revolving borrowing limit.

 

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2. As agreed by both parties, the Lender shall reasonably set the amount and term of each revolving loan according to the scale and cycle of the Borrower’s production and operation.

 

Article 15 Loan Amount Payment 

 

1. The authorized payment by the Lender means that the Lender pays the loan fund to the Borrower’s counter-party in a transaction conforming to the purpose agreed herein according to the Borrower’s withdrawal notice and payment authorization.

 

Payment of the Borrower’s loan fund for which
the amount of a single payment under this Contract exceeds the specified amount shall be made in a manner of authorized payment by the
Lender.

 

In the event of the authorized payment by the
Lender, the Borrower shall make express payment authorization and provide other necessary payment information (including name of counter-party
who receives payment, account number of such counter-party, and amount of payment) in the withdrawal notice, and submit to the Lender
the supporting documents for loan purpose such as business contracts required for the examination. In this case, the Lender shall pay
the loan fund to the counter-party of the Borrower via the Borrower’s account upon examination and approval. In the event of the Lender’s
failure to perform its obligation to pay upon authorization resulting from untruthfulness, incorrectness, and incompleteness of the information
of payment authorization and relevant transactions furnished by the Borrower, the Lender shall not be held liable for such failure whatsoever
and the Borrower’s obligation to repay under the Contract shall not be affected. The Lender will make payment to the account of the Borrower’s
counter-party in accordance with the Borrower’s withdrawal notice and the payment certificate as required by the Lender.

 

In the event that the Lender, upon examination,
discovers that the supporting documents for loan purpose such as business contracts furnished by the Borrower fail to comply with the
Contract or there is any other defects, the Lender shall be entitled to request the Borrower to supplement, replace, explain or re-furnish
such documents, and the Lender may suspend granting or paying of such loans until the Borrower has furnished the supporting documents
such as business contracts to the satisfaction of the Lender.

 

In the event that the account-holding bank of
the counterparty returns such payments, resulting in the Lender’s failure to transfer such loans to the Borrower’s counterparty as authorized
by the Borrower in a timely manner, the Lender shall not be liable for such failure whatsoever and the Borrower’s obligation to repay
under the Contract shall not be affected. With respect to the funds returned by the account-holding bank of the counterparty, the Borrower
shall re-furnish the payment authorization and the supporting documents for loan purpose such as business contracts required for the examination,
and the Lender shall pay the loan fund to the counterparty of the Borrower via the Borrower’s account upon examination and approval.

 

All the expenses incurred by the payment of loan
to the counterparty designated by the Borrower in a manner of authorized payment under this Contract shall be borne by the Borrower. The
Borrower shall pay the above expenses to the Lender at the time of the authorized payment of each loan.

 

The Borrower shall not violate the above provisions
to dodge the authorized payment by the Lender by way of breaking up a large amount into several small amounts.

 

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2. Except for the cases where the authorized payment by the Lender must be adopted as stipulated in the preceding paragraph, unless otherwise agreed by both parties, payment of other loans shall be made by the Borrower itself, namely, after the Lender disburses the loans to the Borrower’s account pursuant to the withdrawal application submitted by the Borrower, the Borrower pay by itself to the its counterparty that complies with the purpose as agreed in the Contract.

 

In the event that the Borrower needs to change
the aforesaid repayment schedule, it shall submit a written application to the Lender 10 banking days prior to the maturity date
of the loan, and the changed repayment schedule is subject to the written confirmation by the Parties.

 

3. In the event that the Borrower needs to extend the loan term agreed herein, it shall submit a written application of extension to the Lender 30 banking days prior to the maturity date of the loan, and the Lender shall decide whether to approve the extension. In applying for the extension of a guaranteed loan, mortgage loan or pledged loan, the guarantor, mortgagor or pledgor shall also issue a written certificate of approval. the parties shall enter into a renewal agreement after the Lender approves the extension. In the event that the Borrower’s application for extension is not approved by the Lender, the Borrower shall still repay the loan in full according to the repayment term agreed herein.

 

4. Unless otherwise agreed by the Parties, if both the principal and the interests are overdue by the Borrower, the Lender shall be entitled to decide on the sequences for repaying the principal or the interests; under the condition of installment repayment, if several mature installments and overdue installments exist under this Contract, the Lender shall be entitled to decide the sequences of repayment; if several outstanding loan contracts exist between the Parties, the Lender shall be entitled to decide the sequences for repaying any contract.

 

5. The Borrower shall repay the loan principal, interests and other amounts payable in full and on time according to provisions stated herein. The Borrower shall, before the end of counter business on the repayment date and each interest settlement date, deposit in full the current interests, principal and other amounts payable to the repayment account opened with the Lender, and the Borrower shall authorize the Lender to collect the funds on the repayment date or the interest settlement date or the Borrower shall be required to cooperate in handling the relevant transfer procedures. In the event that the amount in the repayment account is insufficient to pay the full amount due from the Borrower, the Borrower shall agree that Lender is entitled to decide the sequences for repayment.

 

6. The Lender shall be entitled to collect the loan in advance on the basis of the capital withdrawal of the Borrower.

 

7. Loan Note: The loan note shall be an integral part of this Contract. In the event that there is no record in this Contract, or the loan amount, withdrawal amount, repayment amount, borrow date and maturity date of the loan, loan term, loan interest rate and loan purpose as recorded in this Contract is inconsistent with those recorded in the loan note, the loan note shall prevail.

 

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Article 16 Guarantee 

 

In the event that any event occurs to the Borrower
or the guarantor, and causes the Lender to believe that it may affect the performing capability of the Borrower or the guarantor; or the
guarantee contracts are deemed as invalid, canceled or resolved; or the performing capability of the Borrower or guarantor may be affected
due to the deterioration in their financial condition or that the Borrower and the guarantor are involved in substantial lawsuit or arbitration
or other reasons; or the guarantor breaches the guarantee contracts or other contracts with the Lender; or the collateral value decreases
or gets lost due to the devaluation, damage, lost or sequestration of the collateral; the Lender shall be entitled to require, and the
Borrower shall have the obligation to provide new guarantee, supplement or replace the guarantor to guarantee the liabilities under this
Contract.

 

Article 17 Representations and Undertakings

 

1. The Borrower is a legal entity incorporated, registered and existing under the administration for industry and commerce or other competent authorities and has full capacity of civil rights and conduct to conclude and perform the Contract, and capacity of loan repayment.

 

2. The Borrower fully agrees to the contents and terms of this Contract, executes and performs this Contract out of true intention, has obtained all legal and valid authorizations required by the Borrower’s Articles of Association and bylaws, and will not be in violation of any agreement, contract, or other legal documents with binding force to the Borrower. The Borrower has obtained or will obtain all the required approval, consent, documentation or registration for executing and performing this Contract.

 

3. The Borrower is in good faith and all the documents, financial statements, certifications and other information provided by the Borrower to the Lender under this Contract are true, complete, accurate and valid, and free from false records, material omissions or misleading statements. The financial and accounting reports provided to the Lender are prepared in accordance with Chinese accounting standards, and truly, fairly and completely present the Borrower’s operating and liability condition.

 

4. The transaction background that the Borrower represents to the Lender is real and legal, not for any illegal purposes such as money laundering. The loan purpose and the source of repayment are clear and legal. The loan purpose and the source of repayment are clear and legal.

 

5. The
Borrower has a good credit status, does not have material bad credit record, and does not conceal from the Lender any fact that may affect
the Borrower’s and the Guarantor’s financial condition and performance capability. The Borrower does not conceal from the Lender any litigation,
arbitration or claim in which it is involved.

 

6. The
borrower has repaid other debts payable as scheduled and has not maliciously defaulted on the payment of principal and interest of the
bank loan.

 

7. The
Borrower shall withdraw and use the loan in accordance with the term and purpose agreed herein. The loan borrowed hereunder shall neither
be used for the investment in fixed asset and equity and other investments, nor flow into the securities market or the futures market
in any form, or be used for other purposes prohibited or restricted by relevant laws and regulations. 

 

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8. The
Borrower shall deliver its financial statements (including but not limited to annual, quarterly and monthly reports) and other relevant
documents to the Lender on a regularly and timely basis in accordance with the requirements of the Lender; the Borrower shall ensure that
the financial indicators will comply with the Contract all the time. If the production and operation qualification/license is subject
to the annual audit, such qualification/license will pass the annual examination as scheduled.

 

9. The
Borrower shall withdraw, repay and use the loan as stipulated herein.

 

10. If
the Borrower has executed or will execute with the guarantor under this Contract a counter-guarantee agreement or similar agreement regarding
its guarantee obligations, this counter-guarantee agreement or similar agreement will not prejudice any Lender’s right under this Contract.

 

11. The
Borrower shall accept the credit inspection and supervision conducted by the Lender, and provide sufficient assistance and cooperation;
from the effective date of this Contract and prior to discharge of the principal and interests and related expenses hereunder, the Borrower
agrees and authorizes the Lender to monitor the account opened with the Lender, examine and analyze the Borrower’s production and operation
(including but not limited to the construction and operation of the Borrower’s projects), and make dynamic monitoring on the income cash
flow and overall fund flow of the Borrower; the Borrower shall accept and actively cooperate with the examination and supervision made
by the Lender on the usage of the loan funds including the loan purpose by account analysis, proof inspection and site investigation,
and make summary report in a periodic manner as required by the Lender.

 

12. The
Borrower’s merger, division, decrease of capital, equity transfer, external investment, substantial increase of debt financing, transfer
of material assets and claims and other events which may have adverse effect on the solvency of the Borrower shall be subject to the written
consent of the Lender. 

 

The Borrower shall give a notice to the Lender
within 7 days after it becomes or should have become aware of any of the following circumstances:

 

(1) Change
of the Articles of Association, business scope, registered capital, legal representative of the Borrower or the guarantor;

 

(2) Change
of management mode such as joint management in any form, cooperation with foreign enterprises, cooperation, contracting management, reorganization,
reform and planned listing;

 

(3) Involved
in material litigation or arbitration cases, sequestration, attachment or supervision of properties or collateral, or establishment of
new material liabilities on the collateral;

 

(4) Winding
up, dissolution, liquidation, stopping business for rectification, cancellation, revocation of business license, (applied for) applying
for bankruptcy;

 

(5) Shareholders,
directors and current senior managers are suspected of being involved in material cases or economic disputes; or the legal representative/person
in charge and current senior executives are found to be in bad health or other material conditions that the they are unqualified for their
job;

 

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(6) Events
of default by the Borrower under other contracts;

 

(7) Difficulty
in business operation and deterioration of financial position;

 

(8) In
the event that the Borrower is closed, suspended, merged or changes the line of production due to change, restructuring and contracting
or with the approval of the competent departments, the Borrower undertakes to give a notice to the Lender in writing within one month
prior to the occurrence of the above events and to discharge all debts owed to the Lender immediately. Subject to the consent of the Lender,
the Borrower may transfer the debts to the receiving entity or the newly incorporated entity (The Borrower shall, in the process of debt
transfer, present and submit to the Lender the documents issued by its competent authority or the contract-issuing party or relevant documents);
however, the debt receiving entity must execute a new loan contract with Lender and submit a written certificate of the corresponding
guarantor’s approval or implement new guarantee measures, and before the execution of the new contract, the Lender shall have the right
to recover the debts from the Borrower, the Guarantor or the Borrower’s receiver at any time.

 

13. Liquidation
of the debts owed by the Borrower to the Lender shall have priority to the loan extended by the shareholders of the Borrower, and precede
the debts of the same kind owed by the Borrower to other creditors. In addition, from the effectiveness of the Contract to the time when
all the principal, interests and relative fees under the Contract are paid off, the Borrower shall not return the loan from its shareholders.

 

14. In
respect of the loan hereunder, the loan conditions such as guarantee conditions, loan rate pricing, discharge sequence provided by the
Borrower for the Lender shall be no less than the current or future conditions provided for any other financial institution.

 

15. The
Borrower shall bear the expenses incurred in connection with the execution and performance of this Contract and the expenses paid and
payable by the Lender for realization of its creditor’s right hereunder, including but not limited to litigation or arbitration fees,
property preservation costs, attorney fees, enforcement fees, evaluation fees, auction fees, and announcement fees. 

 

16. Account
Management 

 

(1) The
repayment account opened by the Borrower with the Lender (the account stipulated in Article 5) is a special capital withdrawal account,
which is used to collect the corresponding sales revenue or the planned repayment fund. Where the corresponding sales revenue is settled
in a non-cash manner, the Borrower shall ensure that it will be promptly transferred into the capital withdrawal account upon receipt.

 

(2) The
Lender shall have the right to supervise the capital withdrawal account, including but not limited to the understanding and supervision
of the fund income and expenditure of the account, and the Borrower shall provide relevant cooperation. At the request of the Lender,
the Borrower shall execute a special account supervision agreement with the Lender.

 

17. The
Borrower shall dispose the assets in a manner that will not reduce its repayment capability. The Borrower undertakes that the total amount
of the Borrower’s external guarantee is equal to or less than _____ times of its net asset, and the total amount of external guarantee
as well as the amount of a single guarantee may not exceed the limit as stipulated in its Articles of Association; without the consent
of the Lender, the Borrower shall not provide guarantee to any third party or the loans borrowed by the Borrower from any other financial
institution with the assets formed by the loans under the Contract.

 

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Article 18 the Related-party Transaction
within the Borrower 

 

☐1. The Borrower is not identified by the Lender
as the group client in accordance with the Guidelines on the Management of Risks of Credits Granted by Commercial Banks to Group Clients
(hereinafter referred to the “Guidelines”).

 

☐2. If the Borrower is identified by the Lender
as the group client in accordance with the Guidelines, it shall report to the Lender any of the related-party transaction in a timely
manner.

 

☐3. The
Borrower is subject to such events as major merger, acquisition or reorganization, which in the opinion of the Lender may affect the safety
of the loan.

 

Article 19 Breach of Contract and Settlement

 

1. The
Borrower shall constitute or be deemed to have breached the Contract and shall be liable for breach of contract under any of the following
circumstances:

 

(1) The
Borrower fails to perform the obligations of payment and liquidation to the Lender according to the stipulations of the Contract;

 

(2) The
Borrower fails to use the loan in a purpose and way stipulated in this Contract or fails to use the loan borrowed hereunder for the purpose
stipulated in the Contract; or the Borrower fails to go through the withdrawal procedures as scheduled according to the withdrawal plan,
or changes the withdrawal plan without the Lender’s consent; or the Borrower is in violation of this Contract and dodges the authorized
payment by the Lender by way of breaking up a large amount into several small amounts;

 

(3) The
Borrower provides an untrue representation or violates the undertaking it made in this Contract;

 

(4) If
any circumstance under Subparagraph 12 of Article 17 arises, and the Lender believes that may affect the financial condition and performing
capability of the Borrower or guarantor, but the Borrower refuses to provide new guarantee or change a guarantor according to this Contract;

 

(5) The
Borrower violates any stipulation under any other contract between the Borrower and the Lender; the Borrower violates any stipulation
under any Credit Extension Contract between the Borrower and any other financial institution;

 

(6) The
guarantor violates the stipulations of the guarantee contract, or any default events arise under other contract between the guarantor
and the Lender;

 

(7) The
Borrower closes down or is dissolved, withdraw or bankrupted;

 

(8) Where
the Borrower involves in or possibly involves in material economic disputes, litigation, arbitration, or its capital is sealed up, seized
or enforced for execution, or the administrative organs such as judicial organs or taxation authorities, and industrial and commercial
administration file for investigation or adopt punishment measures on the Borrower according to law which has influenced or may influence
the performance of the liabilities under this Contract;

 

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(9) Where
the main individual investors and key managerial personnel of the Borrower are changed abnormally, disappear or are investigated or the
personal freedom thereof is limited by judicial organs according to law which has influenced or may influence the performance of the liabilities
under this Contract;

 

(10) Where
the credit circumstances of the Borrower lowers or finance indexes of the Borrower such as profitability, debt-paying ability, operating
capacity and cash flow seriously deteriorate and break through the index binding of this Contract or other financial agreements;

 

(11) The
Borrower takes advantage of the false contracts between the Borrower and the affiliated party to obtain funds or credit from the Lender
through transactions without true transaction background, and the affiliated party is subject to such events as major merger, acquisition
or reorganization which in the opinion of the Lender may affect the safety of the loan; or the Borrower intends to evade the creditor’s
right of the Lender through related-party transactions;

 

(12) The
Borrower causes any liability accident due to its violation of food safety, production safety, environmental protection and other relevant
laws and regulations, regulatory provisions or industrial standards which has influenced or may influence the performance of the liabilities
under this Contract;

 

(13) In
the event that the loan under this Contract is granted on the basis of credit rating, the Borrower’s credit rating, profitability, asset-liability
ratio, net cash flow from operating activities and other indicators do not meet the Lender’s credit loan conditions; or the Borrower,
without the written consent of the Lender, establishes mortgage/pledge guarantee or provide guarantee to others with its valid operating
assets, which has influenced or may influence the performance of the liabilities under this Contract;

 

(14) Other
circumstances that may have adverse effect on the realization of the creditor’s rights of the Lender under this Contract.

 

2. When
the aforesaid breaches arise, as the case maybe, the Borrower agrees that the Lender may take following measures respectively or simultaneously:

 

(1) Require
the Borrower and guarantor to rectify their breach within time limit.

 

(2) Decrease,
suspend or terminate all or part of the credit lines of the Borrower.

 

(3) Suspend
or terminate all or part of the business application (such as withdrawal) of the Borrower under this Contract or other contracts between
the Borrower and the Lender; partly or totally suspend or cancel to issue, pay and transact the unissued loans.

 

(4) Declare
that all or part of the outstanding principal and interest of the loan and other amounts payable of the Borrower under this Contract and
other contracts between the Borrower and the Lender shall become due immediately.

 

(5) Negotiate
with the Borrower to supplement the terms of loan issuance and payment; or the Lender shall have the right to change the loan disbursement
and payment conditions in accordance with the credit status of the Borrower such as lowering the minimum amount of authorized payment
of the Borrower; or the Lender shall have the right to transfer back the loan fund which the Borrower has paid for default.

 

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(6) Terminate
or dissolve this Contract, partly or totally terminate or dissolve other contracts between the Borrower and the Lender.

 

(7) Require
the Borrower to compensate the Lender for the Lender’s loss caused by the Borrower’s default.

 

(8) Deduct
from the Borrower’s account which is opened in the Rural Commercial Bank system within the jurisdiction of Jiangxi with notice before
or after the deduction, so as to discharge all or part of the Borrower’s debts to the Lender hereunder. The undue deposit in the account
shall be deemed to become due in advance. 

 

(9) Exercise
security interest; and require the guarantor to take guarantee responsibility.

 

(10) In
the event that the Borrower fails to repay the principal, interest (including penalty interest and compound interest) or other amounts
payable as scheduled, the Lender may disclose the default information of the Borrower and the Guarantor and make an announcement for collection
through the media or other forms. 

 

(11) Have
the right to deduct and debit the deposits and dividends within any account opened by the Borrower in the Rural Commercial Bank system
within the jurisdiction of Jiangxi, and to dispose of the Borrower’s equities. 

 

(12) Other
measures stipulated by laws and regulations and deemed necessary and possible by the Lender.

 

Article 20 Reservation of Rights 

 

Any failure by a party to exercise all or part
of its rights hereunder or to require the other party to perform or assume all or part of obligations or responsibilities shall not constitute
a waiver of such rights or release of the obligations and responsibilities of such party.

 

Any tolerance, grace or postponement for exercising
the rights under this Contract of one Party shall not affect its rights stipulated by this Contract, laws and regulations, and shall not
be deemed as a waiver of such rights.

 

Article 21 Confidentiality 

 

Each party undertakes to keep confidential the
trade secrets, technical information, business information and other business secrets obtained from the other party which are not available
through public channels. Without the consent of the original provider of the trade secret, neither party shall disclose all or part of
the trade secret to any third party, unless otherwise stipulated by laws and regulations or otherwise agreed by both parties.

 

In the event that either party is in violation
of the aforesaid confidentiality obligation, it shall assume the corresponding liability for breach of contract and compensate for the
losses caused thereby.

 

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Article 20 Force Majeure 

 

The term Force Majeure as specified in this Contract
refers to the objective events that cannot be foreseen, overcome, or avoided and have a significant impact on one party, including but
not limited to the natural disasters such as flood, earthquake, fire and storm, as well as the social events such as war and turmoil.

 

In the event that the Contract cannot be performed
as a result of the occurrence of force majeure events, the party affected by the force majeure shall immediately notify the other party
of the event in writing, and within 7 days, provide written documents certifying the details of accident and the reasons for non-performance
or delay in performance hereof. Upon consensus through negotiation, both Parties may terminate or temporarily delay the performance of
the Contract.

 

Article 23 Alteration, Amendment and Termination

 

This Contract can be altered and amended in written
form upon consensus through negotiation of the Parties, and any alternation and amendment agreed on by the Parties shall constitute an
integral part of this Contract.

 

This Contract may not be terminated until all
the rights and obligations are fully preformed, unless otherwise stipulated in laws and regulations or agreed by the both Parties.

 

The invalidity of any provision of this Contract
shall not affect the legal validity of other provisions, unless otherwise stipulated in laws and regulations or agreed by the both Parties.

 

Article 24 Agreements on Service 

 

1. The
contact information (including mailing address, telephone number, fax number, etc.) provided by the Borrower in this Contract shall be
true and valid and shall be the address for service of any notice of the Lender for the Borrower. In case of any change to the contact
information, the Borrower shall immediately send/mail the change information in writing to the mailing address provided by the Lender
in this Contract. Such information change shall become effective upon the Lender’s receipt of the change notice.

 

2. Unless
otherwise expressly provided for in this Contract, the Lender shall be entitled to give notice to the Borrower in any of the following
methods. The Lender shall be entitled to choose the notification method as it thinks fit and shall not be held liable for any error, omission
or delay in delivery by mail, fax, telephone, WeChat or any other communication system. Where the Lender simultaneously chooses several
notification methods, the one by which the notice is served to the Borrower earlier shall prevail.

 

(1) By
announcement. The notice shall be deemed to be served on the date on which the Lender publishes the announcement on its website, online
banking, telephone banking or business outlets;

 

(2) By
hand. The notice shall be deemed to be served on the date on which the Borrower signs for the receipt, or if the Borrower refuses to sign
for the receipt, the date on which the server makes a record on the proof of service on the spot;

 

(3) By
mail (including express mail, surface mail or registered mail). The notice, when addressed to the Borrower’s mailing address last known
to the Lender, shall be deemed to be served on the date on which the Borrower signs for the receipt, or if the Borrower fails to sign
for the receipt, the date on which the mail is returned;

 

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(4) By
fax, mobile phone SMS, WeChat or other electronic communication methods. The notice, when sent to the Borrower’s fax number, the mobile
phone number, WeChat account number or email address designated by the Borrower which is last known to the Lender, shall be deemed to
be served on the date on which the notice is sent.

 

3. Borrower
agrees that, unless the Lender receives from the Borrower a written notice concerning the change of mailing address, the Borrower’s domicile
stated in this Contract is the correspondence and contact address. In the future, the delivery addresses of bank statements, collection
statements, relevant legal instruments and litigation documents related to the loans under this Contract shall prevail. The Borrower promises
to notify the Lender in time when the communication and contact information change, otherwise the documents delivered by the Lender according
to the communication and contact information stated in this Contract will be effectively delivered, and the relevant economic and legal
responsibilities arising therefrom will be borne by the Borrower and the Mortgagor. During the dispute settlement, if the court serves
the judicial documents or other written documents by mail (including express mail, surface mail or registered mail) to the Borrower mailing
address last known to the Lender, such documents shall be deemed to be served on the date on which the Borrower signs for receipt of the
proof of service; or if Borrower fails to sign for receipt of the proof of service, the date on which the mail is returned;

 

The court or notary organ shall be entitled to
give any notice to the Borrower by any methods of communication agreed in this Paragraph 2. The court or notary organ shall be entitled
to choose the communication method as it thinks fit and shall not be held liable for any error, omission or delay in delivery by mail,
fax, telephone, telex or any other communication system. Where the court or notary organ simultaneously chooses several communication
methods, the one by which the notice is served on the Borrower earlier shall prevail.

 

Article 25 Appendix 

 

The appendixes confirmed by both parties shall
constitute an integral part of this Contract and shall have the same legal effect as this Contract.

 

Article 26 Other Agreements 

 

1. The
Borrower shall not transfer any rights and obligations under this Contract to the third party without written consent of the Lender.

 

2. The
Lender has the right to transfer the creditor’s rights under this Contract to the third party, and shall notify the Borrower. 

 

3. This
Contract shall be legally binding upon both Parties and their successors and assignees without prejudice to other provisions of this Contract.

 

4. All
the transactions under this Contract are carried out for each Party’s independent benefits. If, in accordance with relevant laws, regulations
and regulatory provisions, other parties to the transaction become the related parties or affiliated persons of the Lender, no Party may
seek to affect the fairness of the transaction out of this related-party relationship.

 

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5. The
headings and business names in this Contract are used only for convenient reference, which shall not be used to interpret the provisions
or the rights and obligations of both Parties.

 

6. In
accordance with relevant laws, regulations and regulatory provisions, the Lender shall have the right to provide the information related
to this Contract and other relevant information of the Borrower to the credit reference system of the People’s Bank of China and other
credit information database established according to law for reference and use by the institutions or individuals with proper qualification
according to law. The Lender shall also have the right to refer the relevant information of the Borrower through credit reference system
of the People’s Bank of China and other credit information database established according to law for the purpose of the execution and
performance of this Contract.

 

The parties acknowledge that the Borrower and
the Lender have made a full negotiation in connection with all the terms of this Contract. The Lender has requested the Borrower to give
special attention to and make a comprehensive and accurate understanding of all provisions concerning the rights and obligations of the
parties, and has made explanations to the relevant provisions upon the Borrower’s request. The Borrower has carefully read and fully understood
all the contents and provisions of the Contract. The Borrower confirms that there is no misunderstanding or doubt about all the contents
and terms of the Contract. Both the Borrower and the Lender have the same understanding of the contents and provisions of the Contract
and have no objection to the contents and provisions of the Contract. 

 

The Borrower and the Lender have made a full
negotiation in connection with all the provisions of this Contract. The Lender has requested the Borrower to give special attention to
and make a comprehensive and accurate understanding of all provisions concerning the rights and obligations of the parties, and has made
explanations to the relevant provisions upon the Borrower’s request. The Borrower has carefully read and fully understood all the contents
and terms of the Contract. The Borrower confirms that there is no misunderstanding or ambiguity about all the contents and provisions
of the Contract. Both the Borrower and the Lender have the same understanding of the contents and provisions of the Contract and have
no objection to the contents and provisions of the Contract. 

 

(The Borrower shall fill in the following by
contrast) 

 

(The remainder of this page is intentionally left
blank for signatures)

 

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