Document:

Exhibit 10.5

 

Tripartite Cooperation Agreement

 

Agreement No.: 20174871

 

Date: September 15, 2017

 

Party A: ZhongAn Online P & C Insurance Co., Ltd.

Registered Address: 4/F, Xiejin Mansion, No.169, Yuanmingyuan Rd., Huangpu Dist., Shanghai

 

Party B: Shenzhen Ying Zhong Tong Financial Information Service Co., Ltd.

Registered Address: Room 201, Comprehensive Office Building A, Authority of Qianhai Shenzhen-Hong Kong Modern Service Industry Cooperation Zone, No. 1, Liyumen Street, Qianwanyi Road, Qianhai Shenzhen-Hong Kong Modern Service Industry Cooperation Zone, Shenzhen

 

Party C: Shenzhen Tangren Financing Guarantee Co., Ltd.

Registered Address: Room 1803, Building 3, Tower 2, Dachong Business Center, Shennan Road, Yuehai Street, Nanshan District, Shenzhen

 

Party A, Party B and Party C (collectively as the “Parties”), upon friendly consultation and subject to national laws, regulations and regulatory policies, intend to cooperate with each other to realize complementary advantages and their respective sustainable development, based on their respective strategies and business development needs, and therefore, enter into this Cooperation Agreement as follows.

 

Article 1 Scope of Cooperation

 

Party A, Party B and Party C will actively cooperate with each other in the following areas:

 

(1)             Without prejudice to their respective business interests or data security, the Parties will jointly research and share business information, scientific achievements and market opportunity on technology finance, big data analysis and artificial intelligence, etc.;

 

(2)             The Parties shall draw on each other’s strength, cooperate to develop and maintain the market, products and clients, provide comprehensive financial service solutions to clients, and meet clients’ practical needs for various types of insurance products and Internet financial service products; and

 

(3)             Joint exploration of other methods, products and technologies conducive to exert the respective advantages of the Parties to form synergistic interaction.

 

Article 2 Undertaking on Compliance of Laws and Regulations

 

The Parties severally undertakes that no cooperative business hereunder may be against national laws, regulations and the requirements of regulatory policies of all regulatory authorities.

 

Article 3 Content of Cooperation

 

(1)             Credit Guarantee Insurance. Party A shall provide credit insurance or guarantee insurance of the specific business referred by Party B or Party C and perform the obligations of insurer as agreed, pursuant to this Agreement within its scope of business by reference to the insurance clauses filed with the regulatory authority upon approval;

 

(2)             Party A may further, based on the need of users referred by Party B or Party C, provide such users with consultancy on and specific business of household property insurance, cargo

 

 

insurance, vehicle insurance, short-term health/accident insurance, etc.;

 

(3)             The applicable rates of specific insurance business shall be determined by Party A according to the actual risk level of the business, and may regularly or irregularly adjust such rates according to market conditions change and upon fully communication with Party B and Party C;

 

(4)             Where Party A underwrites insurance for certain types of business referred by Party B or Party C, Party C agrees to provide joint liability guarantee to Party A for the performance obligor of such business; and

 

(5)             The Parties shall reasonably allocate business proceeds and risk premium based on the actual risk ownership.

 

Article 4 Confidentiality

 

Party A, Party B and Party C shall keep the business secrets of each other acquired in strict confidence, and without prior written consent of other parties, shall not disclose the same to a third party, unless required by law or except to regulatory authorities of securities and the like due to company listing, etc.

 

Article 5 Miscellaneous

 

This Agreement is the framework cooperation agreement entered into by the Parties, with the details of cooperation separately agreed by the Parties in writing.

 

This Agreement shall take effect as of the execution date for a term of one year, which will automatically extend for another year upon expiry. This Agreement shall automatically terminate upon the termination request of either Party during the term hereof.

 

	
Party A: ZhongAn Online   P & C Insurance Co., Ltd. (Common Seal)
    
	
 
    
	
/s/ Seal of ZhongAn   Online P & C Insurance Co., Ltd. 
    
	
 
    	
 
    
	
Legal   Representative or Authorized Representative:
    	
 
    
	
 
    	
 
    	
 
    
	
Date of Signature:
    	
 
    	
 
    
	
 
    	
 
    
	
Party B: Shenzhen Ying   Zhong Tong Financial Information Service Co., Ltd. (Common Seal)
    
	
 
    
	
/s/ Seal of Shenzhen Ying   Zhong Tong Financial Information Service Co., Ltd. 
    
	
 
    	
 
    
	
Legal   Representative or Authorized Representative:
    	
 
    
	
 
    	
 
    	
 
    
	
Date of Signature:
    	
 
    	
 
    
	
 
    	
 
    
	
Party C: Shenzhen Tangren   Financing Guarantee Co., Ltd. (Common Seal)
    
	
 
    
	
/s/ Seal of Shenzhen   Tangren Financing Guarantee Co., Ltd. 
    
	
 
    	
 
    
	
Legal   Representative or Authorized Representative:
    	
 
    
	
 
    	
 
    	
 
    
	
Date of Signature:Exhibit 10.6

 

Supplementary Agreement

 

	
 
    	
Agreement No.: 20181092
    
	
 
    	
 
    
	
 
    	
Date: January 5, 2018
    

 

Party A: ZhongAn Online P & C Insurance Co., Ltd.

Registered Address: 4/F, Xiejin Mansion, No.169, Yuanmingyuan Rd., Huangpu Dist., Shanghai

 

Party B: Shenzhen Ying Zhong Tong Financial Information Service Co., Ltd.

Registered Address: Room 201, Comprehensive Office Building A, Authority of Qianhai Shenzhen-Hong Kong Modern Service Industry Cooperation Zone, No. 1, Liyumen Street, Qianwanyi Road, Qianhai Shenzhen-Hong Kong Modern Service Industry Cooperation Zone, Shenzhen

 

Party C: Shenzhen Tangren Financing Guarantee Co., Ltd.

Registered Address: Room 1803, Building 3, Tower 2, Dachong Business Center, Shennan Road, Yuehai Street, Nanshan District, Shenzhen

 

Whereas, Party A, Party B and Party C (collectively the “Parties”) entered into the Tripartite Cooperation Agreement (hereinafter referred to as the “Master Agreement”) (Contract No.: 20174871) in September 2017. Due to business development, it is hereby agreed by the Parties upon friendly consultation to supplement the Content of Cooperation in the Master Agreement as follows:

 

Article 1       The Parties agree to make the following amendment to Item (4) under Article 3 (Content of Cooperation) in the Master Agreement:

 

(4) Where Party A underwrites insurance for certain types of business referred by Party B or Party C, Party C agrees to provide joint liability guarantee to Party A for the performance obligor of such business, and the Parties unanimously confirm that the total payout amount of Party C for the guarantee liability shall not exceed the aggregate guarantee service fee actually paid by the performance obligor to Party C; in the event that the default performance obligor continues paying Party A due to compliance with the original performance contract, being demanded for payment or repayment, etc., Party A shall submit the list of received repayment to Party C for verification and confirmation in the middle third of each month, and pay the mutually confirmed amount to Party C through bank transfer prior to the 25th day of each month.

 

Article 2       The Parties unanimously confirm that Party A and Party C may adjust the rates of premium and guarantee service fee assumed by performance obligor based on the business risk level.

 

Article 3       This Supplementary Agreement shall be an integral part of the Master Agreement, and in case of any conflict between the Master Agreement and this Supplementary Agreement, this Supplementary Agreement shall prevail. The unamended or unchanged part of the Master Agreement shall remain legally binding upon the Parties, and the Parties shall still exercise and perform their respective rights and obligations thereunder.

 

Article 4       This Supplementary Agreement shall take effect from the date of seal by the Parties, and the term of this Agreement shall be consistent with that of the Master Agreement.

 

Article 5       This Agreement shall be made in triplicate, with each Party holding one copy of the same legal effect.

 

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Party A: ZhongAn Online P & C Insurance Co., Ltd.

 

/s/ Seal of ZhongAn Online P & C Insurance Co., Ltd.

 

Legal Representative or Authorized Representative (Signature or Seal):

 

Party B: Shenzhen Ying Zhong Tong Financial Information Service Co., Ltd.

 

/s/ Seal of Shenzhen Ying Zhong Tong Financial Information Service Co., Ltd.

 

Legal Representative or Authorized Representative (Signature or Seal):

 

Party C: Shenzhen Tangren Financing Guarantee Co., Ltd.

 

/s/ Seal of Shenzhen Tangren Financing Guarantee Co., Ltd.

 

Legal Representative or Authorized Representative (Signature or Seal):Exhibit 10.7

 

Supplementary Agreement

 

Agreement No.: 20184799

 

Date: 20180402                  

 

Party A: ZhongAn Online P&C Insurance Co., Ltd.

 

Registered Address: 4/F, Associate Mission Building, 169 Yuanmingyuan Road, Huangpu District, Shanghai

 

Party B: Shenzhen Ying Zhong Tong Financial Information Service Co., Ltd.

 

Registered Address: Room 201, Comprehensive Office Building A, Authority of Qianhai Shenzhen-Hong Kong Modern Service Industry Cooperation Zone, No. 1, Liyumen Street, Qianwanyi Road, Qianhai Shenzhen-Hong Kong Modern Service Industry Cooperation Zone, Shenzhen

 

Party C: Shenzhen Tangren Financing Guarantee Co., Ltd.

 

Registered Address: Room 1803, Building No.3, Tower 2, Dachong Business Center, Shennan Road, Yuehai Subdistrict, Nanshan District, Shenzhen

 

Whereas Party A, Party B and Party C entered into the Tripartite Cooperation Agreement (Contract No.: 20174871, hereinafter referred to as the “Master Agreement”) in September, 2017, and the Supplementary Agreement (Contract No.: 20181092, hereinafter referred to as the “Original Supplementary Agreement”) in January, 2018. NOW, THEREFORE, upon friendly negotiation, Party A, Party B and Party C further specify the relevant matters in the Original Supplementary Agreement as follows:

 

Article 1 The Parties agree to amend Article 1 and Article 2 of the Original Supplementary Agreement as follows:

 

 

1.1 Party A, Party B and Party C agree to amend the limit of Party C’s guarantee liability as set forth in Article 1 of the Original Supplementary Agreement as follows: the total amount compensated by Party C due to the assumption of the guarantee liability shall not exceed the total guarantee fee payable to Party C by the performance obligors. Except for the aforementioned amendment, Article 1 of the Original Supplementary Agreement shall remain the same.

 

1.2 Article 2 of the Original Supplementary Agreement shall be amended as follows:

 

“During the term hereof, in case of any adjustment to the guarantee fee rate, the total guarantee fee will change with such adjustment, and the compensation cap for guarantee liability assumed by Party C will also change with such adjustment, for which, the Parties unanimously agree that the compensation cap for guarantee liability assumed by Party C does not require the execution of a separate written supplementary agreement but shall be confirmed by the specific persons of Party A and Party C by email after negotiation between Party A and Party C in each quarter, and such email shall represent the consensus of and bind upon Party A and Party C. The specific persons designated by Party A and Party C and their contacts are as follows:

 

Party A: Ying Wang; Email: eagle.wang@zhongan.com;

 

Party C: Jie Zhang; Email: kevin.zhang@yingzt.com.

 

During the term hereof, in case of any change to any item in the above contacts of any Party, such Party shall notify the other Party in writing within 3 days upon the date of occurrence of such change. Should such Party fail to do so, notices given by the other Party to the email above in accordance with provisions of this Article shall be deemed to have properly served. The consequence due to any Party’s failure to timely inform the other Party of any change in any item in the above contacts shall be borne by such Party.”

 

Article 2 This Supplementary Agreement shall be an integral part of the Master Agreement and the Original Supplementary Agreement, and have the same legal effect as the Master Agreement and the Original Supplementary Agreement. In case of any inconsistency between this Supplementary Agreement and the Master Agreement or the Original Supplementary Agreement, this Supplementary Agreement shall prevail. The unchanged or unamended parts of the Master Agreement and the Original Supplementary Agreement shall still have legal effect upon the Parties, and the Parties shall still exercise and perform their respective rights and obligation thereunder. The Parties confirm that agreements or letters already signed or issued by a Party or the Parties pursuant to the Master Agreement or the Original Supplementary Agreement shall remain effective and enforceable.

 

 

Article 3 This Supplementary Agreement shall take effect from the date of seal by the Parties, and the term of this Supplementary Agreement shall be consistent with that of the Master Agreement.

 

Article 4 This Supplementary Agreement shall be made in triplicate with the Parties each holding one copy of the same legal effect.

 

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Party A: ZhongAn Online P&C Insurance Co., Ltd.

 

/s/ Seal of ZhongAn Online P&C Insurance Co., Ltd.

 

Legal Representative or Authorized Representative (Signature or Seal) 

 

	
/s/ Ou Yaping
    	
 
    

 

Party B: Shenzhen Ying Zhong Tong Financial Information Service Co., Ltd.

 

/s/ Seal of Shenzhen Ying Zhong Tong Financial Information Service Co., Ltd.

 

Legal Representative or Authorized Representative (Signature or Seal) 

 

	
/s/ Tang Yue
    	
 
    

 

Party C: Shenzhen Tangren Financing Guarantee Co., Ltd.

 

/s/ Seal of Shenzhen Tangren Financing Guarantee Co., Ltd.

 

Legal Representative or Authorized Representative (Signature or Seal) 

 

	
/s/ Song Hui

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