Document:

EX-4.49

 Exhibit 4.49 

Loan Agreement 
 This Loan Agreement (this
“Agreement”) is made in Chaoyang District, Beijing on September 9, 2019 by and between: 
 Lender: Sikaisite (Beijing) Science and
Technology Co., Ltd. 
 Address: 3009, 3/F, Auxiliary Building of Bowangyuan, Yangfangdian, Haidian District, Beijing 

Borrower: Lerong Duoyuan (Beijing) Technology Co., Ltd. 

Address: 806, 8/F, Building 4#, Yard 18, Suzhou Street, Haidian District, Beijing 

WHEREAS, the Lender agrees to provide a loan to the Borrower for the purpose set forth herein, through friendly consultation, the Parties hereby agree as
follows: 
  

	1.	 Loan 

  

	1.1	 The Lender agrees to provide the Borrower with a loan of RMB122,000,000 (one hundred twenty two million Yuan)
subject to the terms and conditions set forth herein (the “Loan”). 

  

	1.2	 The Loan shall be granted to the Borrower upon satisfaction of the conditions precedent set forth in
Section 4 below. 

  

	1.3	 The Term of Loan shall be three calendar months commencing from the date hereof and ending on December 8,
2019 (the “Term of Loan”), and may be extended with the mutual consent of the Parties. 

  

	1.4	 The Lender agrees that the interest rate for the Loan during the Term of Loan specified in Section 1.2
shall be 7% per annum. 

  

	2.	 Purpose of Loan 

 

	2.1	 The Parties agree that the Loan hereunder shall be used for the purpose of satisfying the Borrower’s
working capital needs. 

  

	3.	 Repayment 

 

	3.1	 The Borrower shall repay the Loan to the Lender in monthly installments as follows: on the last day of each
calendar month during the Term of Loan (each a “Due Date”), the Borrower shall repay part of the principal of the Loan, in the amount of RMB40,000,000 (forty million Yuan), RMB40,000,000 (forty million Yuan) and RMB42,000,000 (forty
two million Yuan) respectively, together with the interest accrued in that month. 

  

	3.2	 The Parties agree that the Borrower shall have the right to repay all or part of the Loan prior to the
applicable Due Date, in which case, the interest on the portion of the Loan prepaid by the Borrower shall accrue till the date of repayment thereof by the Borrower. 

 

	3.3	 The Lender and the Borrower hereby agree and acknowledge that any repayment of the Loan by the Borrower shall
not be subject to any additional condition or require a notice of repayment given by the Borrower to the Lender. 

  

	4.	 Conditions Precedent 

 

	4.1	 The provision of the Loan by the Lender to the Borrower shall be subject to the satisfaction of the following
conditions (the Lender shall have the right, but no obligation, to waive any or all of the conditions precedent to the provision of the Loan set forth in this Section 4.1): 

 

	 	(1)	 the representations and warranties made by the Borrower shall be true, accurate and complete as of the date the
Lender provides the Loan; and 

  

	 	(2)	 the Borrower shall confirm that when or before the Lender provides the Loan, there is no event that has a
material adverse effect on the Borrower or its financial conditions, or on the legal rights and capacity, civil capacity or financial conditions of the Borrower. 

  
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	5.	 Guarantee for Repayment 

 

	5.1	 In consideration that the Lender’s affiliate Shanghai Anquying Technology Co., Ltd., the Borrower and the
Borrower’s affiliate Beijing LeRong Duoyuan Information Technology Co. Ltd. entered into a Strategic Cooperation Agreement in December 2017 and a supplementary agreement thereto on July 19, 2019, the Parties agree that if the
Borrower fails to repay the principal of the Loan and accrued interest at any monthly Due Date, the Lender shall suspend the payment of the asset management fee payable for the relevant month under such Strategic Cooperation Agreement, or if
the Lender has already paid the asset management fee for that month, suspend the payment of the asset management fee for the next month until the payment of the amounts due hereunder by the Borrower. 

 

	6.	 Representations and Warranties 

 

	6.1	 The Lender hereby represents and warrants that: 

 

	 	(1)	 it is a limited liability company duly incorporated and validly existing under the laws of China;

  

	 	(2)	 it has the authority to enter into this Agreement and perform its obligations hereunder; 

 

	 	(3)	 this Agreement constitutes valid and binding obligations of it, enforceable against it in accordance with the
terms hereof; and 

  

	 	(4)	 The funds used for providing the Loan hereunder come from legal sources, are not the funds coming from or of
the nature of the criminal gains and proceeds derived from drug-related crimes, crimes committed by organizations of the nature of criminal gangs, terrorist crimes, crimes of smuggling, graft and bribery, crimes of disrupting the order of financial
administration, crimes of financial fraud, and are free from conditions in violation of the Anti-money Laundering Law of the People’s Republic of China or other applicable laws and regulations. 

 

	6.2	 The Borrower hereby represents and warrants that: 

 

	 	(1)	 it is a limited liability company duly incorporated and validly existing under the laws of China;

  

	 	(2)	 it has the authority to enter into this Agreement and perform its obligations hereunder; and

  

	 	(3)	 this Agreement constitutes valid and binding obligations of it, enforceable against it in accordance with the
terms hereof. 

  

	7.	 Confidentiality 

 

	7.1	 The Parties acknowledge and confirm that any information, oral or written, exchanged between the Parties in
connection with this Agreement shall be deemed as confidential information. Each Party shall maintain the secrecy of all such confidential information and shall not disclosure any confidential information to any third party without the prior written
consent of the other Party, except any information that: (a) is or becomes known to the public (not as a result of disclosure thereof by the Party receiving such confidential information to the public without authorization); (b) is required to
be disclosed according to the applicable laws and regulations; or (c) needs to be disclosed to its board of directors or legal or financial advisors for purpose of the transactions contemplated hereby, provided that such directors or legal or
financial advisors are bound by the obligation of confidentiality similar to that set forth in this Section 7.1. Any disclosure of confidential information by any employee of or agent hired by a Party shall be deemed as a disclosure made by
such Party, for which such Party shall be held liable for breach of agreement. The provisions of this Section 7.1 shall survive any termination of this Agreement for any reason. 

 

	8.	 Liability for Breach  

 

	8.1	 Any Party who violates any provisions hereof, or fails to perform its obligations hereunder or causes all or
part of this Agreement to be unable to perform shall assume the liability for breach of agreement and indemnify the other Party for the losses (including costs of litigation and attorney’s fee) arising therefrom. If both Parties breach this
Agreement, the Parties shall assume their respective liabilities depending on the actual circumstances. 

  
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	9.	 Governing Law and Dispute Resolution 

 

	9.1	 The formation, validity, interpretation, performance, amendment, termination and dispute resolution in respect
of this Agreement shall be governed by the laws of the People’s Republic of China. 

  

	9.2	 Any dispute arising out of interpretation or performance of this Agreement shall be settled by the Parties
through friendly consultation in the first instance. If such dispute fails to be resolved within 30 days after a Party sends a written notice to the other Party requesting the settlement thereof thorough consultation, either Party may submit the
dispute to the China International Economic and Trade Arbitration Commission for settlement by arbitration in accordance with its arbitration rules then in effect. The place of arbitration shall be Beijing. The language of arbitration shall be
Chinese. The arbitration award shall be final and binding on the Parties. 

  

	10.	 Miscellaneous 

 

	10.1	 Any amendment or supplement to this Agreement or exhibits hereto must be made in writing.

  

	10.2	 This Agreement shall take effect from the signing date hereof, and remain in effect till the repayment of the
Loan hereunder in full. 

  

	10.3	 If one or more provisions of this Agreement are held invalid, illegal or unenforceable in any respect under any
law or regulation, such invalidity, illegality or unenforceability shall in no way affect or prejudice the validity, legality and enforceability of the remaining provisions hereof in any respect. The Parties shall negotiate in good faith to replace
such invalid, illegal or unenforceable provisions with valid provisions that come closest to the economic effect of such invalid, illegal or unenforceable provisions with valid provisions to the maximum extent permitted by law and expected by the
Parties. 

  

	10.4	 Any matter not specifically addressed herein may be settled by the Parties in writing through consultation.

  

	10.5	 This Agreement shall be made in Chinese and in two counterparts, one counterpart to be held by the Parties
respectively with equal legal effect. 

 [The remainder of this page is intentionally left blank] 

  
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 IN WITNESS WHEREOF, the parties have executed this Agreement, effective as of the date first above written.

 Lender: Sikaisite (Beijing) Science and Technology Co., Ltd. (seal) 

/s/ Sikaisite (Beijing) Science and Technology Co., Ltd. 

Borrower: Lerong Duoyuan (Beijing) Technology Co., Ltd. (seal) 

/s/ Lerong Duoyuan (Beijing) Technology Co., Ltd. 

  
 4EX-4.50

 Exhibit 4.50 

Partnership Agreement 

of 
 Huatai (Ningxia)
Enterprise 
 Counseling Service Partnership 

(Limited Partnership) 

October 2019 

 Partnership Agreement 

of 
 Huatai (Ningxia)
Enterprise Counseling Service Partnership 
 (Limited Partnership) 

This Agreement is made in Yinchuan, Ningxia as of October 21, 2019 by and between: 

Yinchuan Xingyin Investment Fund Partnership (Limited Partnership) 

Address: No. 57 Yinchuan Economic and Technological Development Zone Innovation Park, East Huanghe Road, Jinfeng District, Yinchuan City 

Representative of the managing partner: WANG Xiwei and 

Pintec (Ganzhou) Technology Co., Ltd. 
 Address: 502,
Building B4, Ganzhou International Enterprise Center, north side of Xiangjiang Avenue and west side of North Huajian Road, Ganzhou Economic and Technological Development Zone, Ganzhou City, Jiangxi 

Legal representative: WEI Wei 
 This Partnership Agreement of
Huatai (Ningxia) Enterprise Counseling Service Partnership (Limited Partnership) (this “Partnership Agreement”) is entered into by and between Pintec (Ganzhou) Technology Co., Ltd., as the General Partner, and the Limited Partner
listed below and executing this Partnership Agreement 
 The General Partner and the Limited Partner listed below are collectively referred to as the
“Parties”. Pursuant to the Limited Partnership Law of the People’s Republic of China (the “Partnership Law”), the Contract Law of the People’s Republic of China (the “Contract
Law”) and other applicable laws, rules and regulations, through friendly consultation, the Parties agree to jointly establish a limited partnership, and hereby enter into this Partnership Agreement for mutual compliance: 

  
 1 

 Chapter 1 Interpretation 

 

	1.1	 Definitions 

For purpose of this Partnership Agreement, unless the context otherwise requires, the following terms shall have the meanings set forth in this
Section 1.1: 
  

	1.1.1	 “Partnership Agreement” means this Partnership Agreement of Huatai (Ningxia) Enterprise
Counseling Service Partnership (Limited Partnership). 

  

	1.1.2	 “Partnership Law” means the Limited Partnership Law of the People’s Republic of
China. 

  

	1.1.3	 “Limited Partnership”, the “Limited Partnership”,
“Partnership” or the “Partnership” means Huatai (Ningxia) Enterprise Counseling Service Partnership (Limited Partnership) jointly established by the Parties hereto pursuant to the Partnership Law.

  

	1.1.4	 “Person” means any natural person, partnership, company or other legal or economic entity.

  

	1.1.5	 “Affiliate” means, with respect to any Person, any other Person that is controlled by,
controls or is under common control with such Person. For purpose of the preceding sentence, “control” means possessing the power to direct the main business or personal activities of a Person, whether through ownership of shares or voting
power or any other relationship that is generally deemed to have the power of control. 

  

	1.1.6	 “Limited Partnership Expenses” means the expenses that shall be borne by the Limited
Partnership itself. 

  

	1.1.7	 “General Partner” means Pintec (Ganzhou) Technology Co., Ltd., the General Partner of the
Limited Partnership. 

  
 2 

	1.1.8	 “Limited Partner” means Yinchuan Xingyin Investment Fund Partnership (Limited Partnership),
the Limited Partner of the Limited Partnership. 

  

	1.1.9	 “Managing Partner” means the Managing Partner of the Limited Partnership, i.e. the General
Partner Pintec (Ganzhou) Technology Co., Ltd. 

  

	1.1.10	 “Partners” means the General Partner and the Limited Partner collectively, and
“Partner” means the General Partner or the Limited Partner (as applicable), unless otherwise indicated herein. 

  

	1.1.11	 “Subscribed Capital Contribution” means, with respect to any Partner, the amount that such
Partner has agreed to contribute to the Limited Partnership pursuant to this Partnership Agreement. 

  

	1.1.12	 “Total Subscribed Capital Contribution” means the total amount that the Partners have agreed
to contribute to the Limited Partnership pursuant to this Partnership Agreement. 

  

	1.1.13	 “Contributed Capital” means, with respect to any Partner, the amount that such Partner has
actually contributed to the Limited Partnership pursuant to this Partnership Agreement. 

  

	1.1.14	 “Working Day” means any day that is not a legal holiday or day off in China.

  

	1.1.15	 “RMB” means Renminbi, unless otherwise specified. 

 

	1.1.16	 “Income” means the total proceeds received by the Limited Partnership (excluding the
principal) net of the Limited Partnership Expenses. 

  
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	1.1.17	 “Material Event” means any of the following: any violation of the laws and regulations or any
punishment that may affect the security of Partnership assets; any material adjustment of the applicable laws, regulations or policies that may affect the security of Partnership assets; or any other event that may cause material loss to Partnership
assets, including without limitation any material loss to the assets or any investment project (representing at least 10% of the total assets of the Partnership) of the Partnership; any change in the legal name or domicile of the General Partner;
any material litigation, arbitration or other administrative actions instituted by or against the Partnership or the General Partner; any related-party transaction involving Partnership’s assets; any change in the major shareholders or
contribution structure of the General Partner; the General Partner goes bankrupt, enters into liquidation, has its business license revoked or otherwise loses its capacity or ability to manage the Partnership; the investee of the Partnership runs
into serious difficulties in business operation or there’s sufficient evidence showing that such investee has failed in its technology or product development; or the investee of the Partnership or any key member of its management is involved in
any litigation or arbitration proceedings or subject to restrictions imposed by any judicial or administrative authority on its or his property. 

  

	1.2	 Headings 

The section headings contained in this Partnership Agreement are for reference purposes only and shall not be construed to define, limit or expand the scope of
this Partnership Agreement or the provisions hereof. 
 Chapter 2 Establishment of the Limited Partnership 

 

	2.1	 Basis of establishment 

Pursuant to the Limited Partnership Law of the People’s Republic of China (the “Partnership Law”), the Contract Law of the
People’s Republic of China (the “Contract Law”) and other applicable laws, rules and regulations, and the terms and conditions set forth in this Partnership Agreement, the Parties agree in writing to jointly establish a
limited partnership. 

  
 4 

	2.2	 Name 

Name of the Limited Partnership: Huatai (Ningxia) Enterprise Counseling Service Partnership (Limited Partnership) (subject to final approval by and
registration with the competent administration for industry and commerce). 
  

	2.3	 Registered address 

Registered address of the Limited Partnership: Room 1405, 15A/F, Building 1, Phase 3 of Yinchuan iBi Yucheng Center, No. 490 Ning’an Street, Jinfeng
District, Yinchuan City, Ningxia (subject to final approval by and registration with the competent administration for industry and commerce). 
  

	2.4	 Purpose of partnership 

The purpose of the Limited Partnership is to contribute RMB500,000,000 to the registered capital of Pintec (Yinchuan) Technology Co., Ltd. (the “Target
Company”), of which, RMB8,000,000 will be added to the paid-in capital of the Target Company, representing 40% of the total registered capital (RMB20,000,000) of the Target Company immediately after
such capital increase, and the balance thereof will be recorded as the capital reserve of the Target Company. 
  

	2.5	 Scope of business 

Scope of business of the Limited Partnership: economic information consulting, business information consulting and enterprise management counseling (any
business subject to approval according to law may only be operated with the approval of the competent authorities) (subject to final approval by and registration with the competent administration for industry and commerce). 

 

	2.6	 Establishment and term of partnership 

The Parties agree and undertake in writing to execute all documents and perform all procedures necessary for the registration of the Limited Partnership. The
date of establishment of the Limited Partnership shall be the issue date of its business license. The Limited Partnership shall have a term of 【5】 years. 

  
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	2.7	 Special agreement prior to the establishment of the Limited Partnership 

The Managing Partner shall be responsible for all matters relating to the establishment of the Limited Partnership. The Limited Partner shall give cooperation
to the Managing Partner and provide necessary documents and perform necessary procedures in connection therewith. 
 Chapter 3 Partners
and Their Capital Contributions 
  

	3.1	 Partners 

  

	3.1.1	 The General Partner of the Limited Partnership is Pintec (Ganzhou) Technology Co., Ltd. 

 

	3.1.2	 Names and addresses of Partners 

 

							
	 No.
	  	 Name
	  	 Type
	  	 Address

	1	  	Pintec (Ganzhou) Technology Co., Ltd.	  	General Partner and Managing Partner	  	502, Building B4, Ganzhou International Enterprise Center, north side of Xiangjiang Avenue and west side of North Huajian Road, Ganzhou Economic and Technological Development Zone, Ganzhou City, Jiangxi
				
	2	  	Yinchuan Xingyin Investment Fund Partnership (Limited Partnership)	  	Limited Partner	  	No. 57 Yinchuan Economic and Technological Development Zone Innovation Park, East Huanghe Road, Jinfeng District, Yinchuan

  
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	3.2	 Register of Partners 

The Managing Partner shall maintain a register of Partners at its place of business, which shall contain the name, address, Subscribed Capital Contribution and
Contributed Capital of each Partner and other information that the Managing Partner deems necessary. The Managing Partner shall update the register of Partners from time to time in case of any change in such information. 

 

	3.3	 Subscribed Capital Contributions 

The amount of Total Subscribed Capital Contributions made by the Partners as of the date of this Partnership Agreement is RMB500,000,000 (In words: five
hundred million Yuan), wherein: 
  

	(1)	 the General Partner Pintec (Ganzhou) Technology Co., Ltd. agrees to contribute RMB300,000,000 (In words: three
hundred million Yuan); and 

  

	(2)	 the Limited Partner Yinchuan Xingyin Investment Fund Partnership (Limited Partnership) agrees to contribute
RMB200,000,000 (In words: two hundred million Yuan). 

  

											
	 No.
	  	 Name
	  	Subscribed
Capital
Contribution
(RMB)	  	Ratio of
Subscribed
Capital
Contribution	 	Form of
capital
contribution	  	Time limit
for capital
contribution
	 1
	  	Pintec (Ganzhou) Technology Co., Ltd.	  	300,000,000	  	60%	 	Cash	  	Prior to
October 31,
2022
	 2
	  	Yinchuan Xingyin Investment Fund Partnership (Limited Partnership)	  	200,000,000	  	40%	 	Cash	  	Prior to
October 31,
2022

  
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	3.4	 Capital contributions 

 

	3.4.1	 The General Partner and the Limited Partner shall make capital contributions at the same ratio and time as
specified in the Capital Call issued by the Managing Partner . 

  

	3.4.2	 The Managing Partner shall issue a Capital Call to each of the Partners before the Partners are required
to make capital contributions each time. Such Capital Call shall be delivered to each Partner 5 Working days in advance and specify the time limit for such capital contribution (the “Due Date”). 

 

	3.4.3	 Each Partner shall make capital contributions in respect of its Subscribed Capital Contribution according to
the provisions hereof and the requirements of the relevant Capital Call. 

 Chapter 4 General Partner 

 

	4.1	 Unlimited liability 

The General Partner shall assume an unlimited joint and several liability for the debts of the Limited Partnership. 

 

	4.2	 Representative of the Managing Partner 

The Managing Partner of the Partnership is Pintec (Ganzhou) Technology Co., Ltd. The Managing Partner shall appoint its representative in writing and notify
the Limited Partner of the same. The Managing Partner shall procure that its representative will handle the affairs of the Limited Partnership independently and comply with the provisions hereof. 

 

	4.3	 Powers 

Unless otherwise provided herein, the Managing Partner shall have the power of investment management and implementation with respect to the affairs of the
Limited Partnership and other powers granted to it under the Partnership Law and this Partnership Agreement, including without limitation: 

  
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	(1)	 to conduct the specific business of the Limited Partnership pursuant to this Partnership Agreement, resolutions
of the meeting of Partners and resolutions of the Investment Committee; 

  

	(2)	 to manage and maintain the assets of the Limited Partnership, including without limitation investment assets,
non-investment assets and intellectual property rights; 

  

	(3)	 to take all actions required to enable the Limited Partnership to maintain its good standing and conduct the
business in the capacity of a limited partnership; 

  

	(4)	 to take all necessary actions to safeguard the security of the properties of the Limited Partnership and
minimize the risks that the business activities of the Limited Partnership may bring to the Limited Partnership, the General Partner and their respective properties to the extent practicable; 

 

	(5)	 to handle the tax affairs of the Limited Partnership in accordance with the applicable tax regulations of the
country; and 

  

	(6)	 to execute, deliver and perform the documents on behalf of the Limited Partnership. 

 

	4.4	 Duties 

  

	4.4.1	 The General Partner shall be assiduous in performance of duties pursuant to the provisions hereof, maintain the
uniformity, integrity and security of Partnership properties, preserve and increase the value of Partnership properties, and perform the following duties (without limitation): 

 

	 	(1)	 to deliver the operation report and financial statements of the Limited Partnership in writing to the Limited
Partner every half a year; and 

  

	 	(2)	 to promptly report the occurrence of any Material Event affecting the assets of the Partnership to the Limited
Partner in writing. 

  
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 Chapter 5 Limited Partner 

 

	5.1	 Limited liability 

The liability of the Limited Partner for the debts of the Limited Partnership shall be limited to its Subscribed Capital Contribution. 

 

	5.2	 Rights 

  

	5.2.1	 To supervise the management of the affairs of the Partnership by the General Partner; 

 

	5.2.2	 To participate in the decision on the admission or withdrawal of any Partner; 

 

	5.2.3	 To access the information about the business situations and financial conditions of the Partnership;

  

	5.2.4	 To request the convening of, attend or appoint a proxy to attend and exercise its voting right at any meeting
of Partners according to law; 

  

	5.2.5	 To transfer the investment held by it in the Partnership pursuant to the applicable laws and regulations and
the provisions hereof; 

  

	5.2.6	 To participate in the Income distribution of the Partnership pursuant to the provisions hereof;

  

	5.2.7	 When the Managing Partner fails to exercise its rights, to bring actions in its own name for the benefit of the
Partnership; and 

  

	5.2.8	 To exercise other rights available under the applicable laws and regulations and this Partnership Agreement.

  

	5.3	 Duties 

  

	5.3.1	 To make capital contributions on time, comply with the requirements of Capital Calls and perform the obligation
of capital contributions thereunder, and maintain the uniformity of Partnership properties pursuant to the provisions hereof; 

  
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	5.3.2	 Not to engage in any investment activity to the detriment of the interest of the Partnership;

  

	5.3.3	 Not to handle the affairs of the Partnership or represent the Partnership, however, the Limited Partner shall
not be deemed to handle the affairs of the Partnership if it: 

  

	 	(1)	 participates in the decision on the admission or withdrawal of the General Partner; 

 

	 	(2)	 participates in the selection of any accounting firm to perform an audit on the Partnership;

  

	 	(3)	 obtains any audited financial and accounting report of the Partnership; 

 

	 	(4)	 inspects the financial accounts and other financial data of the Partnership involving its interest;

  

	 	(5)	 lodges claims or takes actions against any responsible Partner when its interest in the Partnership is damaged;
or 

  

	 	(6)	 when the Managing Partner fails to exercise its rights, urges it to do so or brings actions in its own name for
the benefit of the Partnership; and 

  

	5.3.4	 To perform other duties provided by the applicable laws and regulations and this Partnership Agreement.

  

	5.4	 Representations and warranties of the Limited Partner 

The Limited Partner hereby represents and warrants that: 
  

	(1)	 it has carefully read and understands the meanings of this Partnership Agreement, and the General Partner has
fully disclosed and called its attention to the risks associated with its investment and duly performed the duties and obligations of the General Partner hereunder; 

 

	(2)	 the capital contributed by it to the Limited Partnership comes from legal sources and its method of capital
contribution complies with the applicable laws and regulations and the provisions hereof; and 

  
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	(3)	 it has performed the applicable internal procedures to adopt valid resolutions on and obtained due
authorization for its execution of this Partnership Agreement, the person signing this Partnership Agreement on its behalf is its legal and valid representative, and its execution of this Partnership Agreement will not cause it to be in violation of
its articles of association, or any provision legally binding on it or to breach its obligations under any other agreement. 

Chapter 6 Affairs of the Partnership 
  

	6.1	 Management of the affairs of the Partnership 

 

	6.1.1	 The Managing Partner shall: 

 

	 	(1)	 be a company or partnership duly incorporated in the Mainland China; 

 

	 	(2)	 make its capital contributions to the Partnership on time, and assume an unlimited joint and several liability
for the debts of the Partnership; 

  

	 	(3)	 not have any director, supervisor, officer or employee who has seriously violated the law in the past three
years; 

  

	 	(4)	 has the premises, security facilities and other facilities required for the operation of the Partnership that
meet the applicable conditions; and 

  

	 	(5)	 have in place sound internal governance structure and risk control system. 

 

	6.1.2	 Unless otherwise provided by the law or this Partnership Agreement, the Managing Partner shall have the
exclusive power to manage, control and operate the Limited Partnership and its investment and other activities. Such powers shall be exercised by the Managing Partner directly or through any representative appointed by the Managing Partner.

  

	6.1.3	 The Managing Partner shall have the right to enter into contracts for the Limited Partnership in the name of
the Limited Partner, to effectuate the business objectives and purpose of the Limited Partnership. 

  
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	6.1.4	 Duties of the Managing Partner 

 

	 	(1)	 To make its capital contributions to the Partnership in full within the time limit specified in this
Partnership Agreement; 

  

	 	(2)	 If it carries on any related-party transaction in the name of the Limited Partnership with it or any of its
Affiliates pursuant to the provisions hereof without the unanimous consent of the Partners, to ensure that such related-party transaction observes the arm’s-length principle of pricing, and will not
damage the interest of the Partnership or the Limited Partner; and 

  

	 	(3)	 To ensure that the management and operation of the Partnership comply with the applicable laws and regulations
and the provisions hereof. 

  

	6.2	 Investment Committee 

 

	6.2.1	 The Partners unanimously agree in writing that the Limited Partnership shall set up an investment committee
(the “Investment Committee”), which shall be the investment decision-making body of the Partnership, responsible for deciding on the investments falling within the purpose specified herein during the Term of the Partnership.

  

	6.2.2	 The Investment Committee shall consist of 【3】 members, including one member appointed by Yinchuan
Xingyin Investment Fund Partnership (Limited Partnership) and two members appointed by Pintec (Ganzhou) Technology Co., Ltd. In case the number of the members of the Investment Committee is less than the number prescribed above due to resignation or
removal of any member or any other reason, new member(s) shall be appointed. 

  

	6.2.3	 During the Term of the Limited Partnership, the composition of the Investment Committee or the right to appoint
members thereof shall not be modified without the unanimous written consent of the Partners. 

  
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	6.2.4	 A meeting of the Investment Committee shall be held only when all members thereof are present. Any resolution
of the Investment Committee shall be valid only if it has been approved by all members present at the meeting. A member of the Investment Committee who is not present at the meeting for any reason shall appoint a proxy in writing to attend and
exercise his voting rights at the meeting on his behalf. The Managing Partner shall be responsible for implementing the resolutions adopted by the Investment Committee. 

 

	6.2.5	 The Investment Committee may hold
face-to-face meetings or adopt resolutions in writing. A meeting of the Investment Committee shall be valid only when all members thereof are present, and shall be
chaired by the member appointed by the Managing Partner. 

 Chapter 7 Meeting of Partners 

 

	7.1	 The meeting of Partners shall be the highest authority of the Partnership, and comprise all Partners. The
General Partner shall appoint two representatives, and the Limited Partner shall appoint one representative, to attend the meeting of Partners. The meeting of Partners shall be convened and chaired by the representative appointed by the Managing
Partner. 

  

	7.2	 The Partners shall hold regular meetings at least once a year, which shall be held within 30 Working Days after
each anniversary of the date of establishment of the Partnership. A special meeting of Partners may be convened on the requisition of the Managing Partner or two thirds of the Partners. 

 

	7.3	 With respect to each meeting of Partners, the Managing Partner shall notify the Partners of the time and date
of the meeting and the matters for consideration at the meeting (including sufficient background and information about such matters, to facilitate the decision-making by the Partners; any matter not set forth in such notice shall not be discussed at
the meeting), in writing, by telephone, text message or email or otherwise, 7 Working Days prior to the date of the meeting if it is a regular meeting, or 3 Working Days prior to the date of the meeting if it is a special meeting.

  
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	7.4	 Each Partner shall have one vote at the meeting of Partners. Votes may be cast by facsimile or otherwise in
writing. 

  

	7.5	 Meeting of Partners 

 

	7.5.1	 Resolutions on the following matters shall be subject to unanimous consent of the Partners:

  

	 	(1)	 any change in the name, scope of business or principal place of business of the Partnership;

  

	 	(2)	 dissolution or liquidation of the Partnership; 

 

	 	(3)	 any amendment to this Partnership Agreement; 

 

	 	(4)	 any transfer or disposal of the real estate, intellectual property rights or other property rights of the
Partnership; 

  

	 	(5)	 any transaction between a Partner and the Partnership; 

 

	 	(6)	 admission or withdrawal of any Limited Partner; 

 

	 	(7)	 provision of any guarantee in the name of the Partnership; 

 

	 	(8)	 decision on the members of the Investment Committee; 

 

	 	(9)	 upon any distribution by, withdrawal from or liquidation of the Partnership, selection of the method and an
agency to evaluate the assets (including the equities that have not been liquidated) held by the Partnership; and 

  

	 	(10)	 other matters that shall be decided by the meeting of Partners pursuant to the applicable laws and regulations
or the provisions hereof. 

  
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 Chapter 8 Expenses, Income Distribution and Loss Sharing 

 

	8.1	 Expenses 

The operating expenses incurred in the management and operation of the Partnership shall be borne by the General Partner. 

 

	8.2	 Principle of income distribution and loss sharing 

The income earned by the Partnership from its investment in the Target Company mainly consists of the income on equity investment and other income. Government
subsidies (including tax returns and fiscal subsidies, if any) received by the Partnership shall not be included in its investment income, and shall be wholly distributed to the Managing Partner after receipt thereof. 

The investment income earned and the operating losses incurred by the Partnership during its Term shall be distributed to the Partners pro rata in proportion
to their Contributed Capital, unless otherwise agreed by the Partners. 
  

	8.3	 Income tax 

Pursuant to the Partnership Law, the Limited Partnership is not a taxpayer for income tax purpose, so each Partner shall file the income tax returns and
pay income taxes in respect of its investment income in connection with the Limited Partnership. 
  

	8.4	 Value-added tax and related surcharges 

The Limited Partnership shall pay the value-added taxes and related surcharges, if any, that may be imposed on it during its Term. 

 

	8.5	 Assumption of operating losses 

In case the General Partner violates the applicable laws and regulations or the provisions hereof resulting in any loss to the Partnership, the General Partner
shall bear and indemnify the Partnership for such loss. 
 Chapter 9 Accounting and Report 

 

	9.1	 Bookkeeping 

The Managing Partner shall maintain account books of the Limited Partnership during such period as required by law that conform to the applicable laws and
reflect the transactions of the Limited Partnership, as the basis of the financial statements of the Limited Partnership submitted to the Limited Partner. 

  
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	9.2	 Accounting year 

The accounting year of the Limited Partnership shall begin on January 1 and end on December 31 of each calendar year, provided that the first
accounting year of the Limited Partnership shall begin on the date of establishment of the Limited Partnership and end on December 31 of the year in which it was established, and the last accounting year of the Limited Partner shall begin on
January 1 of that year and end on the date immediately preceding the beginning of the liquidation period of the Limited Partnership. 

Chapter 10 Transfer of Interests and Withdrawal 
  

	10.1	 Transfer of interests by Partner 

A Partner may transfer the interests held by it in the Partnership with the unanimous consent of the Partners. 

 

	10.2	 Withdrawal of Partner 

A Partner may withdraw from the Partnership with the unanimous consent of the Partners. In such case, the other Partner(s) shall make a settlement with the
withdrawn Partner according to the then financial conditions of the Partnership and have the Partnership return the withdrawn Partner’s share of the properties of the Partnership, and each Partner shall have the obligation to urge the Managing
Partner to perform the procedures for registration of the relevant changes with the competent administration for industry and commerce and give cooperation in this regard. 
  

	10.3	 After a Partner withdraws from the Partnership, the special agreements, if any, made by it in relation
to the Partnership shall cease to be effective. 

  
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 Chapter 11 Dispute Resolution 

Any dispute arising out of or in connection with this Partnership Agreement shall be settled by the Parties through friendly consultation in the first
instance. In case no settlement can be reached, either Party may submit the dispute to the people’s court having jurisdiction in the place where the Limited Partner is located for settlement through litigation. 

Chapter 12 Liability for Breach 
 Any
Party who breaches any of its obligations, covenants or warranties contained herein shall be deemed to have breached this Partnership Agreement. The non-breaching Party shall have the right to request the
breaching Party to indemnify it for the losses arising therefrom, including the costs and expenses incurred by the non-breaching Party in taking remedial measures, and to assume the corresponding liability for
breach depending on the actual circumstance of such breach. 
 Chapter 13 Dissolution and Liquidation 

 

	13.1	 Dissolution 

The Limited Partnership shall be terminated and liquidated in the event of any of the following: 

 

	(1)	 where the General Partner submits a proposal for the dissolution of the Limited Partnership which is
unanimously voted through by the Partners; 

  

	(2)	 where the Term of the Limited Partnership expires; 

 

	(3)	 where all investments made by the Limited Partnership have been finished and the Limited Partnership has
recovered the funds it invested in advance; 

  

	(4)	 where the Limited Partnership is unable to continue its operation due to any event of force majeure;

  

	(5)	 where the number of Partners has been less than the number required by law for 30 days; 

 

	(6)	 where one or more Limited Partners seriously breach this Partnership Agreement, as a result of which the
General Partner determines that the Limited Partnership is unable to continue its operation; 

  
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	(7)	 where the Limited Partnership has its business license revoked or is ordered to close down or be dissolved
according to law; or 

  

	(8)	 where the Limited Partnership shall otherwise be dissolved according to the applicable laws and regulations of
the country or the provisions hereof. 

  

	13.2	 Liquidation 

  

	13.2.1	 The liquidator shall be appointed pursuant to the Partnership Law. 

 

	13.2.2	 The liquidator shall be responsible for managing all assets of the Limited Partnership that have not been
liquidated. 

  

	13.3	 Order of payment upon liquidation 

 

	13.3.1	 Upon the liquidation of the Limited Partnership after the expiration or termination of the Term, after payment
of the liquidation expenses, the properties of the Limited Partnership shall be applied and distributed in the following order: 

  

	 	(1)	 to pay the liquidation expenses and employees’ salaries; 

 

	 	(2)	 to pay social insurance contributions; 

 

	 	(3)	 to pay legal compensation; 

 

	 	(4)	 to pay the taxes due and unpaid; 

 

	 	(5)	 to discharge the debts of the Limited Partnership; 

 

	 	(6)	 to return the Contributed Capital of the Limited Partner; and 

 

	 	(7)	 to return the Contributed Capital of the General Partner. 

The amounts payable under Clauses (1) and (6) must be paid in cash, and if there isn’t sufficient cash available, additional assets
(if any) shall be liquidated. The amounts payable under Clause (5) shall be paid in such manner as agreed with the relevant creditors through consultation. 

  
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	13.3.2	 Where the Limited Partnership does not have sufficient properties to discharge its debts, the General Partner
shall assume an unlimited joint and several liability to the creditors of the Limited Partnership. 

 Chapter 14
Miscellaneous 
  

	14.1	 Notices 

  

	14.1.1	 Any notice, demand or communication given hereunder shall be made in writing and be deemed to have been
effectively given if delivered or sent to the following addresses: 

  

	 	(1)	 If to the Managing Partner: 

Attention: WANG Peicheng 

Address: 10/F, Heng’an Plaza, No. 17 North Dongsanhuan Road, Chaoyang District, Beijing 

Telephone: [Redacted] 
 Email:
peicheng.wang@pintec.com 
  

	 	(2)	 If to the Limited Partner: 

Attention: WANG Huan 
 Address:
No. 57 Yinchuan Economic and Technological Development Zone Innovation Park, East Huanghe Road, Jinfeng District, Yinchuan City 

Telephone: [Redacted] 
 Email:
huanhuan11248@sina.com 
 A Partner may change its address at any time by sending a notice to the Partnership and the other Partner, provided
that any notice or document delivered by the other Partner to the original address of such Partner prior to the receipt of such notice of change shall still be deemed to have been effectively given to such Partner. 

  
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	14.1.2	 Unless there’s evidence that it was received earlier, a notice shall be deemed to have been given:

  

	 	(1)	 if delivered in person, when delivered to the address set forth in Section 14.1.1; 

 

	 	(2)	 if sent by registered mail or express delivery, postage prepaid, 10 Working Days after deposit;

  

	 	(3)	 if sent by air mail, 5 Working Days after deposit; or 

 

	 	(4)	 if sent by facsimile, when the sender’s facsimile machine shows confirmation of transmission.

  

	14.2	 Force majeure 

 

	14.2.1	 “Force majeure” means any event preventing a Party from performing all or part of this Partnership
Agreement that occurs after the date hereof and is unforeseeable at the time of execution hereof, the happening and consequences of which are unavoidable or insurmountable, including without limitation earthquake, typhoon, flood, fire, war,
international or domestic transportation interruption, epidemics, riot, strike and other events that are generally deemed force majeure, provided, however, any fund shortage suffered by a Party shall not be deemed an event of force majeure itself.

  

	14.2.2	 Any Party prevented from performing its obligations hereunder by an event of force majeure shall not be deemed
to have breached this Partnership Agreement during the period affected by such event of force majeure, provided that the Party claiming the occurrence of such event of force majeure shall notify the other Party without delay, and within 15 days
thereafter, provide sufficient proofs about the occurrence and continuance of such event of force majeure. 

  
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	14.2.3	 Upon the occurrence of an event of force majeure, the Partners shall immediately negotiate to seek fair
solutions and use reasonable endeavors to minimize the consequences of such event of force majeure. 

  

	14.3	 Exhibits 

The exhibits to this Partnership Agreement are an integral part hereto and have equal legal effect as this Partnership Agreement. 

 

	14.4	 Severability 

If any provision hereof or its applicability to any person or circumstance is held invalid, the validity of the remaining provisions or the applicability of
such provision to other persons and circumstances shall in no way be affected. 
  

	14.5	 Confidentiality 

Each Party to this Partnership Agreement shall have the obligation to keep in strict confidence the trade secrets of the other Party obtained by it as a result
of negotiating, executing and performing this Partnership Agreement. The Limited Partner shall have the obligation to keep in strict confidence the business information of the Limited Partnership obtained by it through its financial reports,
quarterly investment reports and meetings of Partners. The provisions of this Section 14.5 shall survive any amendment, suspension, rescission, termination, invalidity or cancellation of this Partnership Agreement and always be binding upon
each Party hereto. 
  

	14.6	 Counterparts 

This Partnership Agreement shall be made in 【eight】 counterparts, two counterparts to be held by the Parties hereto respectively, and the
remaining counterparts be kept by the Limited Partnership for performing the applicable procedures. Each counterpart shall have equal legal effect. 
  

	14.7	 Effective date 

This Partnership Agreement shall take effect after being signed or chopped by the legal/authorized representatives and stamped with the official or contract
seals of the Limited Partner and the General Partner respectively. Any amendment to this Partnership Agreement shall take effect after being executed in such manner as provided herein. 

  
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	14.8	 Conflict 

The Partners unanimously agree in writing that in case of any conflict between the provisions of this Partnership Agreement and any other agreement or document
entered into between the Partners, the provisions of this Partnership Agreement shall prevail. If this Partnership Agreement has a number of versions whose contents conflict with each other, this execution version shall prevail. 

[End of text] 

  
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 [Signature page to Partnership Agreement of Huatai (Ningxia) Enterprise Counseling Service Partnership
(Limited Partnership)] 
 IN WITNESS WHEREOF, this Partnership Agreement has been executed by the following Parties in Yinchuan, Ningxia on October 21,
2019: 
 Limited Partner (seal): Yinchuan Xingyin Investment Fund Partnership (Limited Partnership) 

/s/ Yinchuan Xingyin Investment Fund Partnership (Limited Partnership) 

Representative of the managing partner (signature or seal): /s/ WANG Xiwei 

General Partner (seal): Pintec (Ganzhou) Technology Co., Ltd. 

/s/ Pintec (Ganzhou) Technology Co., Ltd. 
 Legal or authorized
representative (signature or seal): /s/ WEI Wei 

  
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