Document:

Exhibit 10.5

 

[Important Notice] To protect your legitimate rights and interests,
please make sure to carefully read and fully understand all terms of this Contract (especially those shown in bold). Please pay attention
to the loan conditions stipulated in Article 2 of the Loan Contract before borrowing money. In the process of applying for and using
this loan service, you can consult, complain and make suggestions to the Lender by calling 95384. By confirming the Contract on the operation
page, you are deemed to have read and agreed to the Contract, which shall then become legally effective. If the loan becomes overdue,
the Lender will take legal and compliant methods for collection. A breach of the contract may result in early maturity and recovery of
the loan, payment of penalty interest, and the consequences affecting the credit records (please refer to Article 7 of the Contract
for the specific liability for breach of contract).

 

Loan
Contract WYQYJK202012

 

Contract Number: GHDJJ20210408020111

 

Following relevant laws and
regulations, the Parties, through negotiation, hereby enter into this Contract regarding the matter that the Borrower applies for a loan
with WeBank. This Contract is a single loan contract under the "Loan Limit Contract" (hereinafter referred to as the "Loan
Limit Contract") numbered GHDED20200929015144, and the guarantee type under the Loan Limit Contract shall also apply to this
Contract.

 

Article 1     Loan
Essentials

 

	Lender (Party A): WeBank Co., Ltd.
	
    Borrower (Party B)

    Name of the Borrower: Fuzhou Yukai Trading Co., Ltd.

    Address of the Borrower: Room 909, 910 and 911, Xinya Building, No. 121,
    Dongjie Sub-district, Gulou District, Fuzhou

    Email (Email
    for Service) of the Borrower: fzyukaico@126.com

    Legal Representative/Or Operator/Or Person-in-Charge: Zheng Weiping

    Email of Legal
    Representative/Or Operator/Or Person-in-Charge: 451121165@qq.com

    Mobile Number (Mobile Number for Service) of Legal Representative/Or
    Operator/Or Person-in-Charge:

	
    Loan Information

    Amount of Total Limit:2,160,000.00

    Loan Amount: 438,665.40

    Loan Term: 24 Installments

    Annual loan interest rate: 14.4%; that is, the latest one-year
    loan prime rate (LPR) published by the National Interbank Funding Centre one working day before the signing of this Contract +10.55%.

    Loan Disbursement Date: 2021/04/08

    Maturity Date: 2023/03/28

    Loan Purpose: Party B’s working capital turnover.

	
    Payment Method

    x Independent
Payment  ̈ Entrusted Payment

	
    Beneficiary’s Information

    Beneficiary’s Account Name: Fuzhou Yukai Trading Co., Ltd.

    Beneficiary’s Account Number:

    Beneficiary’s Bank: Bank of Communications

	
    Repayment Information

    Repayment
    Account Name: Fuzhou Yukai Trading Co., Ltd. “Gonghuodai” Repayment

    Account Number:

    Repayment Date: 28th of Each Month

    Arrangement for Principal and Interest Repayment: Subject to the repayment
    schedule displayed to Party B on the interactive page of the lending platform.

	Handled by: Zheng Weiping

 

    Page 1 of 10

     

    

 

Special Reminder: If the actual loan disbursement
date in Party A’s system is inconsistent with the that on the loan essential list, the former shall prevail. The maturity date
may vary due to the change in the loan disbursement date.

 

The loan interest rate shall be the latest one-year
loan prime rate (LPR) published by the National Interbank Funding Centre one working day before the signing of this Contract plus/minus
basis points. The fixed interest rate for the loan that has been disbursed shall remain unchanged and shall not be subject to the aforesaid
adjustments. Daily Interest Rate = Annual Interest Rate/360.

 

Article 2     Loan
Disbursement

 

2.1 Party A shall have the right to review the following matters
before loan disbursement, and decide whether to disburse funds according to the review results:

 

(1) Whether Party B has completed the statutory
procedures for a government license, approval, registration, and delivery related to the loan hereunder by relevant laws and regulations
(if any);

 

(2) Whether the relevant guarantee contract (if any) has become
effective;

 

(3) Whether Party B has paid off the fees related to this Contract
(if any);

 

(4) Whether Party B meets the loan conditions agreed herein;

 

(5) Whether the operating and financial conditions of Party B
and the guarantor (if any) have undergone unfavorable changes;

 

(6) Whether the repayment willingness of Party B and the guarantee
willingness of the guarantor (if any) have changed;

 

(7) Whether
Party B violates this Contract.

 

2.2 The loan hereunder is a non-revolving loan.

 

2.3 Before the loan disbursement, if Party A fails to disburse the
loan hereunder due to the changes in national macro-control policies, the requirements of Party A’s regulatory department on the
credit scale control or credit orientation, Party A’s fund arrangement, or other reasons, Party A shall have the right to stop disbursing
the loan or terminate the Contract, and Party B shall have no objection.

 

2.4 The loan amount shall not be used for the following purposes:

 

(1) Purchasing a house or repaying a housing mortgage loan;

 

(2) Purchasing stocks, bonds, futures, financial derivatives
or asset management products, or making other investments;

 

(3) Making investments in fixed assets or equity;

 

(4) Other purposes prohibited by laws and regulations.

 

2.5 Loan disbursement and payment

 

(1) For the loan paid by independent payment, Party A shall,
according to Party B’s drawdown application, disburse the loan amount to the corporate account provided by Party B to Party A, and
Party B shall independently pay the loan to the counterparty that conforms to the agreed purpose.

 

(2) For the loan paid by entrusted payment,
Party A shall, according to Party B’s drawdown application and payment entrustment, directly pay the loan amount to the designated
account of the counterparty designated by Party B. Party B undertakes to provide business contracts and other supporting documents related
to the payment application as required by Party A, and warrants that such supporting documents are authentic, legal, and valid.

 

2.6 Payment
Management

 

After the loan is disbursed, Party A shall
have the right to require Party B to provide such information as transaction object and payment amount, as well as the corresponding business
contracts and other supporting documents through the interactive page of the lending platform or in other ways required by Party
A, and periodically summarize and inform Party A of the payment of loan amount. Party A shall have the right to verify whether the payment
of loan amount conforms to the agreed purpose through account analysis, voucher verification, an on-site investigation by Party A, or
by appointing a third-party service agency, and Party B shall give cooperation.

 

2.7 If Party A makes repeated loan disbursement
or disburses the loan which should not be disbursed due to problems with Party A’s system or disbursement channels, Party B irrevocably
authorizes Party A to directly transfer back the excess amount that has been repeatedly disbursed or the amount which should not be disbursed
from Party B’s repayment account or collection account.

 

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Article 3     Payment

 

3.1 Party B’s repayment amount and date
in each installment shall be subject to the repayment schedule displayed to Party B by Party A through the interactive page of the
lending platform (refers to the Internet operation page through which the Borrower may inquire about the application, contract signing
and repayment of the loan, including but not limited to the mobile APP client, WeChat official account, HTML5 webpage and PC website
operated or approved by Party A, same below). When the loan of each installment becomes due, Party B shall fulfill the debt on time, otherwise,
it will be deemed that the loan has become overdue.

 

3.2 Party B shall proactively check the transaction
details through the interactive page of the lending platform to confirm the transaction contents. The transaction records kept by
Party A under this Contract shall be the true evidence of the loan use and shall be binding on Party B. Party B shall not disclaim the
loan application or transaction amount on the grounds that it has not received the statement or seen the transaction details.

 

3.3  Repayment
account refers to the bank account (including the special internal repayment account opened by Party A for Party B) that the Borrower
applies for and uses the loan service and provides to the Lender for the deduction, which shall be subject to the provisions of Article 1
hereof.

 

Party B shall not change or cancel the repayment account before paying
off all loan expenses, principal and interest.

 

3.4  In
case of several outstanding loans, Party A shall have the right to decide the priority sequence of the loan to be settled by Party B and
the lower limit of amount, subject to the final review result after Party A accepts Party B’s application for early repayment. Party
A shall waive the liquidated damages for early repayment.

 

x Party
B shall have the right to apply for early settlement, but it may not make early settlement on the loan date.

 

 ̈
Party B shall not make early repayment within calendar days of drawdown.

 

3.5 Party
A shall have the right to require Party B to make a repayment by one of the following two repayment methods through the system:

 

(1) Positive repayment: Party B shall repay the loan principal
and interest and relevant expenses to Party A on its own initiative.

 

(2) Automatic repayment (repayment by withholding method): Party
B shall deposit, in full, the amount repayable into the repayment account one day before the agreed repayment date. Party B hereby
irrevocably authorizes Party A to deduct the loan principal and interest and other related expenses under this Contract from the repayment
account.

 

3.6 Party
B hereby acknowledges and authorizes that Party A shall have the right to reduce the deduction amount and make multiple deductions in
installments if the balance in the repayment account is insufficient. If the automatic deduction fails due to various reasons (including
but not limited to insufficient balance in the repayment account), Party B hereby irrevocably authorizes Party A to deduct principal,
interest, and expenses of the loan due or due earlier from any account held by Party B with Party A (including the special internal repayment
account opened by Party A for Party B).

 

3.7 Party
B shall repay the loan principal and interest hereunder in full and on time. If any installment of repayment is not repaid in full and
on time, Party A shall have the right to require Party B to repay all the loans and charge penalty interest on all outstanding loans as
overdue loans from the overdue date.

 

3.8 In
case of any inconsistency between this Loan Contract and the Loan Limit Contract regarding the provisions of Article 3 "Repayment”,
this Loan Contract shall prevail.

 

Article 4 Party B’s Representations
and Warranties

 

4.1 Party B is a reputable enterprise duly incorporated
and validly existing in the jurisdiction where it is located and has full rights to engage in the business it is currently engaged in
with government license and approval.

 

4.2 Party B has completed all internal and external
authorizations and approvals required for the signing of this Contract. The signing of this Contract is an expression of the true intention
of Party B and will not result in any violation of Party B’s Articles of Association or any agreement or commitment signed by Party
B with any third party. Party B does not violate any laws, regulations, and rules on environmental protection, energy saving, emission
reduction, and pollution reduction at the time of signing this Contract, and undertakes to strictly abide by such laws, regulations, and
rules after signing this Contract.

 

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4.3 Party B is not involved in any litigation,
arbitration, enforcement, appeal, reconsideration, and other procedures or other events or circumstances that may have a material adverse
effects on the performance of this Contract, except for those notified to Party A in writing by Party B before the signing of this Contract.

 

4.4 Party B shall, within the time limit required
by Party A, provide explanations or supplementary information on its business condition, financial performance, or other matters that,
in Party A’s opinion, may affect Party B’s loan risk. Party B shall cooperate to provide documents and materials promptly
and guarantee that such documents and materials are true, complete, objective, and free from any misrepresentation, misleading statement,
or major omission, and that the financial statements are prepared in strict accordance with Chinese Accounting Standards.

 

4.5 Party B undertakes to abide by relevant laws
and regulations on the administration of tax collection, standardize tax returns filing and tax payment, timely submit and update financial
statements and other tax-related information to taxation authority, promptly declare and pay taxes, and ensure the authenticity and accuracy
of relevant information.

 

Article 5     Rights
and Obligations of Party B

 

5.1 Party B shall open an account with Party A and give priority to
Party A’s deposit and settlement services.

 

5.2 if Party B is a group client, it shall submit
a written report to Party A within ten days of the occurrence of a related party transaction involving more than 10% of its net assets,
which shall contain the affiliated relationship among the transaction parties, transaction items and nature, transaction amount or corresponding
proportion, and pricing policies (including transactions with no or nominal amounts).

 

A group client shall mean an enterprise or public institution legal
person with the following features:

 

(1) It directly or indirectly controls or is directly or indirectly
controlled by another enterprise or public institution legal person in respect of stock right or management;

 

(2) It is, together with another enterprise or public institution
legal person, controlled by a third party enterprise or public institution legal person;

 

(3) It is directly or indirectly controlled by the major investors
in person, key managers and their close family members (including the linear relatives within three generations and collateral relatives
within two generations) in a joint manner;

 

(4) There is another affiliated relationship through which the
assets and profits might be transferred beyond the principle of fair price, which shall be deemed as a group client under loan management.

 

5.3 If Party B is under any one or more of the following circumstances,
Party A shall have the right to decide whether to require Party B to provide an additional guarantee or directly recover all loans or
adjust and cancel the limit depending on the specific circumstances:

 

(1) The operation and financial performance of Party B or the
guarantor deteriorates, resulting in a significant decrease in income, significant financial loss or asset loss (including but not limited
to asset loss caused by its external investment or external guarantee) or other financial crisis;

 

(2) Party B fails to timely declare or falsely declare tax-related
information (including but not limited to the financial statements); or owes tax payable, violates tax laws and regulations, or is imposed
administrative fines by taxation authority;

 

(3) Party B is subject to administrative penalties or criminal
sanctions, or is involved in significant legal disputes due to its illegal business activities;

 

(4) Party B, its shareholders or actual controllers or guarantors
are involved in important cases or their main assets are subject to compulsory measures such as property preservation or administrative
penalties or criminal sanctions, or other events that make them impossible to perform their duties;

 

(5) Party B or the guarantor provides a guarantee to a third party,
which would have material adverse effects on its financial performance or ability to perform its obligations hereunder;

 

(6) Party B, the enterprise invested by Party
B, the guarantor or other enterprises invested by the guarantor confronts division, merger, material merge, acquisition and reorganization,
material asset disposal, capital reduction, business discontinuance, business suspension for rectification, liquidation, reorganization,
registration cancellation, dissolution, bankruptcy, or has been revoked of its business license;

 

(7) Other major events or default events that are sufficient to
affect the business activities of Party B, the guarantor and the security of Party A’s loans.

 

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5.4 Party B shall ensure that its legal representative
(applicable when Party B is a company, same below)/or operator (applicable when Party B is a sole proprietorship of industry and commerce,
same below)/or person-in-charge (applicable when Party B is a non-corporate business organization, same below) shall act as the guarantor
to undertake personal joint and several liability guarantee to Party A for all loans under the limit, which shall not be changed, unless
otherwise agreed in writing by Party A. If Party B’s legal representative/or operator/or person-in-charge changes, Party A shall
have the right to make a new risk judgment on Party B, and require Party B’s new legal representative/or operator/or person-in-charge
to provide the joint and several liability guarantee or other additional guarantees. 5.5     In case of
any change in the business address, mailing address, e-mail, telephone, business scope, legal representative/or operator/or person-in-charge
of Party B, it shall notify Party A within seven working days from the date of such change. If Party B fails to perform the aforesaid
notification obligation, the relevant notices and documents shall be deemed to have been served if delivered by Party A to the original
address.

 

Article 6     Rights
and Obligations of Party A

 

6.1 Party A shall have the right to evaluate the operating and financial
conditions and the progress of specific projects of Party B and the guarantor (if any) according to the conditions for credit granting
agreed in the contract when the limit becomes effective, and adjust the amount, term and interest rate of the loan according to the evaluation
results.

 

6.2 Party A shall have the right to request Party B to provide the
materials related to the limit, and enter or appoint a service agency to enter Party B’s place of business to investigate, review
and inspect the use of the loan and Party B’s assets, financial conditions and operating conditions, and shall have the right to
supervise Party B to use the loan for the purpose agreed herein, and Party B shall give cooperation.

 

6.3  Party
A shall maintain the confidentiality of the materials provided by Party B, unless otherwise prescribed by laws and regulations or regulatory
authorities or otherwise agreed by both parties, or the materials provided by Party B do not constitute confidential information.

 

6.4 Party A shall have the right to transfer its rights hereunder
and its creditor’s rights to the loan granted to Party B hereunder, in whole or in part, to a third party through asset transfer,
asset securitization or other means without the Party B’s consent. Party A shall have the right to notify Party B of the transfer
of the creditor’s rights by telephone, SMS, email, WeChat, announcement, or by publishing announcements or news on the lending platform.

 

6.5 Without Party A’s prior written consent,
Party B shall not transfer all or part of its rights and obligations hereunder and the corresponding loan debts owed to Party A under
this Contract to any third party.

 

Article 7     Breach
of Contract

 

7.1 Any of the following events shall constitute an event of Party
B’s default referred to in this Article:

 

(1) The loan hereunder is in arrears of interest payment, becomes
overdue, involves in advance payment, or is not used for the purpose agreed by both parties;

 

(2) Party B breaches any representations, warranties and undertakings
made by it;

 

(3) Party B breaches any of its obligations hereunder;

 

(4) Party B conceals true and important information;

 

(5) Party B or the guarantor (if any) evades or invalidates its
debts owed to banks or other financial institutions through related party transactions or other means;

 

(6) Party B or the guarantor (if any) is negligent in managing
and recovering the matured creditor’s rights, or disposes of its main property for free or at an unreasonable low price or in other
inappropriate ways to transfer property or has other acts of evading debts;

 

(7) Party B obtains fund or credit facility from Party A or other
financial institutions by using false contracts and arrangements between Party B and any third party;

 

(8) Party B or the guarantor (if any) violates other contracts
signed with Party A or other financial institutions (including but not limited to credit agreements, loan contracts and guarantee contracts)
or any debt securities issued by it;

 

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(9) Party B’s guarantor (if any) is
in violation of the provisions of the guarantee agreement (including but not limited to guarantee agreement, mortgage contract and pledge
contract), commits any default under the guarantee agreement, or the guarantee agreement has not yet taken effect, become invalid or
been canceled; the collateral is significantly reduced or lost in terms of its value, or there is a dispute over its ownership, or it
is sealed up, seized, frozen, impounded, detained, auctioned, etc.;

 

(10) Party A cannot get in touch with Party B through the contact
information provided by Party B, or can not get in touch with the guarantor (if any) through the contact information provided by the guarantor;

 

(11) Any of the events listed in Articles 5.2 and 5.3 actually occurs,
which, in the opinion of Party A, will affect the security of its creditor’s rights;

 

(12) Party B’s business term expires within the term of the loan
limit, and Party B fails to extend the business term upon expiration.

 

7.2 In the event of a breach of contract by Party B, Party A shall
have the right to take the following measures:

 

(1) Adjust, cancel or terminate the loan limit hereunder, or adjust
the term and amount of the limit;

 

(2) Declare accelerated maturity of all or
part of the loan under the Loan Limit Contract and require Party B to immediately repay part or all of the principal, interest and expenses
of the loan (such expenses shall include but are not limited to attorney’s fee, litigation costs, arbitration fees, travel expenses,
notice fees, service expenses, execution fees, ownership transfer fees, commission fees for the third-party collection agency and all
other expenses paid by Party A for the realization of its creditor’s rights), and to charge penalty interest on all the loan principal
disbursed at the penalty interest rate from the date of occurrence of the default event until Party B settle all the loan principal in
full.

 

(3) Require Party B to provide new guarantee measures approved
by Party A;

 

(4) Directly make a deduction from the accounts of Party B and
the guarantor to settle all debts of Party B under this Contract and other specific business contracts (including the debts to be settled
in advance as required by Party A) without Party B’s prior consent;

 

(5) Exercise the guaranteed right, require the guarantor to perform
the guarantee liability, or realize its creditor’s right by disposing of the collateral and/or the pledge;

 

(6) Party A shall have the right to claim
subrogation right against Party B’s debtors according to law, request the court to cancel Party B’s waiver of its matured
creditor’s rights or transfer of property for free or at an obviously unreasonable low price, and Party B shall provide all necessary
cooperation and assistance as required by Party A. All expenses incurred by Party A shall be borne by Party B;

 

(7) Take other relief measures prescribed by laws, regulations
and the Contract.

 

7.3 Party B agrees that when conducting pre-loan due diligence,
in-loan information verification or post-loan inspection, debt collection and recovery, etc., Party A has the right to use Party
B’s identity information, contact information and other information related to Party B’s credit, finance, credit facility
and loan disbursement, and provide such information to a third party (including but not limited to, law firms, Party A’s loan service
institutions, outsourcing institutions, collection agencies and co-operating agencies, third-party financial institutions, payment institutions,
credit reporting agencies, the People’s Bank of China Basic Database of Financial Credit Information, the Ministry of Public Security
Citizen Identity Information Database, and other data (database) institutions established in accordance with the law, telecom operators
and their agency operators, the administrative organs, public institutions, judiciary authorities, arbitration bodies, regulatory authorities,
the National Internet Finance Association of China and other industry self-regulatory organizations); Party A shall urge other third parties
other than non-state organs and public institutions to properly keep, keep confidential and prudently use the aforesaid information and
not to use it for the purposes other than those entrusted by Party A, and shall urge the collection agencies not to collect and recover
debts in any illegal way.

 

7.4 If the loan is overdue for no more than 90
days (including 90 days), the loan principal and interest repayment sequence shall be: (1) expenses (if any); (2) interest (including
penalty interest); (3) principal. If the loan is overdue for more than 90 days, the loan principal and interest repayment sequence
shall be: (1) expenses; (2) principal; (3) interest (including penalty interest).

 

7.5 If Party B fails to repay the loan as agreed after the loan
becomes matured or early matured, Party A shall have the right to charge penalty interest on the loan principal at the interest rate agreed
in writing in Article 1 hereof plus 50% from the overdue date according to the actual number of days overdue. If Party B fails to
use the loan for the agreed purpose, Party A shall have the right to charge penalty interest on the amount of the loan misappropriated
at the interest rate agreed in writing in Article 1 hereof plus 100% from the date of using the loan in violation of the Contract.

 

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In case the loan becomes overdue and is misappropriated concurrently,
the higher of the above two interest rates will apply.

 

Article 8     Supplementary
Provisions

 

8.1 The loan voucher related to this Contract
and other relevant documents and materials confirmed by both parties and the letter of commitment, declaration and other documents unilaterally
issued by Party B to Party A shall be an integral part of this Contract and have the same legal effect as this Contract. The aforesaid
documents have been fixed and preserved by a third-party evidence depository institution and can be used as evidence in dispute resolution.

 

8.2
Party B clearly understands that this Contract is signed online by affixing the electronic signature (digital certificate) of a third
party hereto in accordance with the Electronic Signature Law of China. Party B recognizes the CFCA Digital Certificate Service Agreement,
the Certification Practice Statement of CFCA Global-Trust System (hereinafter referred to as “CPS”) and their updated versions
published on http://www.cfca.com.cn by China Financial Certification Authority (hereinafter referred to as “CFCA”).
By applying for or using the electronic signature service, Party B agrees to accept and abide by all the terms and conditions of the CFCA
Digital Certificate Service Agreement and CPS.

 

8.3 Interpretation of the Contract

 

Party A shall have the right to unilaterally
revise the rights and obligations related to Party B under this Contract at any time without increasing Party B’s liability in terms
of loan amount and interest (fee) rate. In the case that the terms of the Contract are changed, Party A shall announce the lending platform.
Except as otherwise mandatorily stipulated in-laws and regulations or regulatory provisions, the revised content shall become effective
immediately after it is announced. If Party B does not agree to revise this Contract, it shall stop applying for new loans from the date
of such announcement, and shall repay the loan drawn under this Contract in full within ten days, failing which, Party B shall be deemed
to have agreed and accepted the revised Contract.

 

8.4 Compulsory Execution Notarization

 

□ Both parties agree to perform compulsory
execution notarization for this Contract. If Party B fails to fulfill or does not fully fulfill the obligations agreed hereinafter the
two parties apply for the contract notarization with the effectiveness of compulsory execution, Party A shall have the right to apply
for an execution certificate with the original notary office and apply for execution with the people’s court having jurisdiction
with the original notarial certificate and the execution certificate.

 

8.5. Dispute settlement

 

 ̈ Any disputes
arising from the performance of this Contract shall be settled by the parties through negotiation. If such negotiation fails, the parties
agree to submit the dispute to Guangzhou Arbitration Commission for arbitration and jointly entrust China Guangzhou Arbitration Commission
to appoint an independent arbitrator, who shall conduct online arbitration in accordance with the Commission’s online arbitration
rules in effect at the time of applying for arbitration and conduct a written hearing. The arbitration award shall be final, and
will be binding on both Parties.

 

x
In case of any dispute arising from the performance of this Contract, both parties agree that a lawsuit may be filed with the court
having jurisdiction of the place where Party A conducts industrial and commercial registration

 

or the place where Party A conducts business,
and agree that the court accepting the lawsuit may conduct the trial through the Internet. If the arrears of principal and interest are
less than CNY 100,000 and the court accepting the lawsuit is a court under the pilot program of the reform of separation between complicated
cases and simple ones, both parties agree that the court may try the case under the small claims procedure and decide in the first instance
without further review.

 

8.6 Confirmation of Address for Service and
Mode of Service

 

(1) Party B confirms that the E-mail address
and mobile number provided by Party B to Party A shall be the addresses for service, and the business registration address of Party B
(or the address on the valid Resident Identity Card in case of a natural person) shall be the valid mailing address and mode. Party B
confirms and agrees that Party A, notary office, arbitration body and judiciary authority may serve business documents, notarial documents,
arbitration documents and litigation documents by one or more of the aforesaid modes of service. Party A, notary office, arbitration body
and judiciary authority serve documents to Party B by several modes of service, the time of service shall be the date when the documents
are successfully delivered first by one of such modes as displayed in the system.

 

(2) Party B confirms that the aforesaid modes of service and
address of service are applicable to service of litigation documents during the contract performance (including but not limited to the
loan collection and recovery by Party A, etc.), contract notarization with the effectiveness of compulsory execution (including but
not limited to the contract notarization with the effectiveness of compulsory execution, and default verification, etc.), arbitration,
as well as the mediation, first instance, second instance, retrial, and rehearing after the dispute enters the litigation procedure, and
execution procedure.

 

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(3) Party B shall notify Party A five
working days in advance of any change in the aforesaid address of service and contact information. In case notarial, arbitration or litigation
procedures have been initiated with respect to the aforesaid dispute, Party B shall inform the notary office, relevant arbitration body
and judiciary authority in writing of the address of service and contact information so changed.

 

(4) If the notarial documents, arbitration documents and litigation
documents fail to be actually received by the party concerned for any such reasons as that Party B fails to provide the address of service
and contact information or the confirmed address of service and contact information are inaccurate, or Party B fails to notify Party A,
notary office, relevant arbitration body and judiciary authority and the party concerned in accordance with relevant procedures after
its address of service is changed, or its designated recipient refuses to sign for receipt, the aforesaid documents shall, in accordance
with the above provisions, be deemed to have been served as follows: In the case of post, the return date as shown in the logistics information
of the delivery platform shall be deemed as the date of service; in the case of direct service, the date on which the server makes a record
in the proof of service on site shall be deemed as the date of service; for litigation documents served by electronic means, the date
on which the electronic documents arrive at the specific system of the party concerned shall be deemed as the date of service.

 

(5) In case civil procedures are initiated for the dispute
and Party B responds to the action and directly submits a letter of confirmation of address for service to the court, if the address so
confirmed is inconsistent with the address for service confirmed before the action, the confirmed address for service submitted to the
court shall take precedence.

 

8.7  Please
make a choice by ticking a "√" inside a box for the confirmed in this Contract and its attachment. Any option not marked
with a "√" indicates that the contents of the option are not agreed upon in this Contract.

 

8.8  The
contents of the "IOU" agreed in the Loan Limit Contract have been included in Article 1 "Loan Essentials" of
the Contract. The adjustment of data display position shall not
affect the validity of relevant terms of the Loan Limit Contract.

 

8.9  This
Contract shall be governed by the law of the People’s Republic of China.

 

Party B hereby represents that it fully understands the terms of
this Contract and the terms of the guarantee contract (if any) related thereto and other relevant documents and that it has obtained independent
legal advice in this regard (when necessary).

 

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Attachment 1:

 

Letter of Commitment on Employment Stabilization

 

The Borrower warrants that,
according to the national, provincial and municipal requirements on stable employment, it will create conditions for promoting employment,
stabilize employment, cut no jobs or fewer jobs, and use the loan granted by the Lender as the company’s working capital, including
but not limited to the payment of employee salaries, social insurance contribution, job transfer training, skill upgrading training and
other working capital needs of the Borrower.

 

In addition, the Borrower warrants that it will
pay the unemployment insurance premium in full for its employees in accordance with the law, actively assume social responsibility and
take effective measures not to cut jobs or make its layoff rate lower than the registered urban unemployment rate of the city.

 

The Borrower shall be held liable for any breach
of the above commitments.

 

    Page 9 of 10

     

    

 

(This page is used for affixing signatures and seals on the Loan
Contract numbered GHDJJ20210408020111)

 

	

Party A (Seal)	 

 

Signed on: April 8, 2021

 

	

Party B (Seal)	 

 

Signed on: April 8, 2021

 

    Page 10 of 10Exhibit 10.6

 

[Important Notice] To protect your legitimate rights and interests,
please make sure to carefully read and fully understand all terms of this Contract (especially those shown in bold). Please pay attention
to the loan conditions stipulated in Article 2 of the Loan Contract before borrowing money. In the process of applying for and using
this loan service, you can consult, complain and make suggestions to the Lender by calling 95384. By confirming the Contract on the operation
page, you are deemed to have read and agreed to the Contract, which shall then become legally effective. If the loan becomes overdue,
the Lender will take legal and compliant methods for collection. A breach of the contract may result in early maturity and recovery of
the loan, payment of penalty interest, and the consequences affecting the credit records (please refer to Article 7 of the Contract
for the specific liability for breach of contract).

 

Loan
Contract WYQYJK202104

 

Contract Number: GHDJJ20210527010854

 

Following relevant laws and
regulations, the Parties, through negotiation, hereby enter into this Contract regarding the matter that the Borrower applies for a loan
with WeBank. This Contract is a single loan contract under the "Loan Limit Contract" (hereinafter referred to as the "Loan
Limit Contract") numbered GHDED20200929015144, and the guarantee type under the Loan Limit Contract shall also apply to this
Contract.

 

Article 1     Loan
Essentials

 

	Lender (Party A): WeBank Co., Ltd.
	
    Borrower (Party B)

    Name of the Borrower: Fuzhou Yukai Trading Co., Ltd.

    Address of the Borrower: Room 909, 910 and 911, Xinya Building, No. 121,
    Dongjie Sub-district, Gulou District, Fuzhou

    Email (Email
    for Service) of the Borrower: fzyukaico@126.com

    Legal Representative/Or Operator/Or Person-in-Charge: Zheng Weiping

    Email of Legal
    Representative/Or Operator/Or Person-in-Charge: 451121165@qq.com

    Mobile Number (Mobile Number for Service) of Legal Representative/Or
    Operator/Or Person-in-Charge:

	
    Loan Information

    Amount of Total Limit:2,160,000.00

    Loan Amount: 93,000.00

    Loan Term: 24 Installments

    Annual loan interest rate: 14.4%; that is, the latest one-year
    loan prime rate (LPR) published by the National Interbank Funding Centre one working day before the signing of this Contract +10.55%.

    Loan Disbursement Date: 2021/05/27

    Maturity Date: 2023/05/28

    Loan Purpose: Party B’s working capital turnover.

	
    Payment Method

    x Independent
Payment  ̈ Entrusted Payment

	
    Beneficiary’s Information

    Beneficiary’s Account Name: Fuzhou Yukai Trading Co., Ltd.

    Beneficiary’s Account Number:

    Beneficiary’s Bank: Bank of Communications

	
    Repayment Information

    Repayment
    Account Name: Fuzhou Yukai Trading Co., Ltd. “Gonghuodai” Repayment

    Account Number:

    Repayment Date: 28th of Each Month

    Arrangement for Principal and Interest Repayment: Subject to the repayment
    schedule displayed to Party B on the interactive page of the lending platform.

	Handled by: Zheng Weiping

 

    Page 1 of 10

     

    

 

Special Reminder: If the actual loan disbursement
date in Party A’s system is inconsistent with the that on the loan essential list, the former shall prevail. The maturity date
may vary due to the change in the loan disbursement date.

 

The loan interest rate shall be the latest one-year
loan prime rate (LPR) published by the National Interbank Funding Centre one working day before the signing of this Contract plus/minus
basis points. The fixed interest rate for the loan that has been disbursed shall remain unchanged and shall not be subject to the aforesaid
adjustments. Daily Interest Rate = Annual Interest Rate/360.

 

Article 2     Loan
Disbursement

 

2.1 Party A shall have the right to review the following matters
before loan disbursement, and decide whether to disburse funds according to the review results:

 

(1) Whether Party B has completed the statutory
procedures for a government license, approval, registration, and delivery related to the loan hereunder by relevant laws and regulations
(if any);

 

(2) Whether the relevant guarantee contract (if any) has become
effective;

 

(3) Whether Party B has paid off the fees related to this Contract
(if any);

 

(4) Whether Party B meets the loan conditions agreed herein;

 

(5) Whether the operating and financial conditions of Party B
and the guarantor (if any) have undergone unfavorable changes;

 

(6) Whether the repayment willingness of Party B and the guarantee
willingness of the guarantor (if any) have changed;

 

(7) Whether
Party B violates this Contract.

 

2.2 The loan hereunder is a non-revolving loan.

 

2.3 Before the loan disbursement, if Party A fails to disburse the
loan hereunder due to the changes in national macro-control policies, the requirements of Party A’s regulatory department on the
credit scale control or credit orientation, Party A’s fund arrangement, or other reasons, Party A shall have the right to stop disbursing
the loan or terminate the Contract, and Party B shall have no objection.

 

2.4 The loan amount shall not be used for the following purposes:

 

(1) Purchasing a house or repaying a housing mortgage loan;

 

(2) Purchasing stocks, bonds, futures, financial derivatives
or asset management products, or making other investments;

 

(3) Making investments in fixed assets or equity;

 

(4) Other purposes prohibited by laws and regulations.

 

2.5 Loan disbursement and payment

 

(1) For the loan paid by independent payment, Party A shall,
according to Party B’s drawdown application, disburse the loan amount to the corporate account provided by Party B to Party A, and
Party B shall independently pay the loan to the counterparty that conforms to the agreed purpose.

 

(2) For the loan paid by entrusted payment,
Party A shall, according to Party B’s drawdown application and payment entrustment, directly pay the loan amount to the designated
account of the counterparty designated by Party B. Party B undertakes to provide business contracts and other supporting documents related
to the payment application as required by Party A, and warrants that such supporting documents are authentic, legal, and valid.

 

2.6 Payment
Management

 

After the loan is disbursed, Party A shall
have the right to require Party B to provide such information as transaction object and payment amount, as well as the corresponding business
contracts and other supporting documents through the interactive page of the lending platform or in other ways required by Party
A, and periodically summarize and inform Party A of the payment of loan amount. Party A shall have the right to verify whether the payment
of loan amount conforms to the agreed purpose through account analysis, voucher verification, an on-site investigation by Party A, or
by appointing a third-party service agency, and Party B shall give cooperation.

 

2.7 If Party A makes repeated loan disbursement
or disburses the loan which should not be disbursed due to problems with Party A’s system or disbursement channels, Party B irrevocably
authorizes Party A to directly transfer back the excess amount that has been repeatedly disbursed or the amount which should not be disbursed
from Party B’s repayment account or collection account.

 

    Page 2 of 10

     

    

 

Article 3     Payment

 

3.1 Party B’s repayment amount and date
in each installment shall be subject to the repayment schedule displayed to Party B by Party A through the interactive page of the
lending platform (refers to the Internet operation page through which the Borrower may inquire about the application, contract signing
and repayment of the loan, including but not limited to the mobile APP client, WeChat official account, HTML5 webpage and PC website
operated or approved by Party A, same below). When the loan of each installment becomes due, Party B shall fulfill the debt on time, otherwise,
it will be deemed that the loan has become overdue.

 

3.2 Party B shall proactively check the transaction
details through the interactive page of the lending platform to confirm the transaction contents. The transaction records kept by
Party A under this Contract shall be the true evidence of the loan use and shall be binding on Party B. Party B shall not disclaim the
loan application or transaction amount on the grounds that it has not received the statement or seen the transaction details.

 

3.3  Repayment
account refers to the bank account (including the special internal repayment account opened by Party A for Party B) that the Borrower
applies for and uses the loan service and provides to the Lender for the deduction, which shall be subject to the provisions of Article 1
hereof.

 

Party B shall not change or cancel the repayment account before paying
off all loan expenses, principal and interest.

 

3.4  In
case of several outstanding loans, Party A shall have the right to decide the priority sequence of the loan to be settled by Party B and
the lower limit of amount, subject to the final review result after Party A accepts Party B’s application for early repayment. Party
A shall waive the liquidated damages for early repayment.

 

x Party
B shall have the right to apply for early settlement, but it may not make early settlement on the loan date.

 

 ̈
Party B shall not make early repayment within calendar days of drawdown.

 

3.5  Party
A shall have the right to require Party B to make a repayment by one of the following two repayment methods through the system:

 

(1) Positive repayment: Party B shall repay the loan principal
and interest and relevant expenses to Party A on its own initiative.

 

(2) Automatic repayment (repayment by withholding method): Party
B shall deposit, in full, the amount repayable into the repayment account one day before the agreed repayment date. Party B hereby
irrevocably authorizes Party A to deduct the loan principal and interest and other related expenses under this Contract from the repayment
account.

 

3.6  Party
B hereby acknowledges and authorizes that Party A shall have the right to reduce the deduction amount and make multiple deductions in
installments if the balance in the repayment account is insufficient. If the automatic deduction fails due to various reasons (including
but not limited to insufficient balance in the repayment account), Party B hereby irrevocably authorizes Party A to deduct principal,
interest, and expenses of the loan due or due earlier from any account held by Party B with Party A (including the special internal repayment
account opened by Party A for Party B).

 

3.7  Party
B shall repay the loan principal and interest hereunder in full and on time. If any installment of repayment is not repaid in full and
on time, Party A shall have the right to require Party B to repay all the loans and charge penalty interest on all outstanding loans as
overdue loans from the overdue date.

 

3.8  In
case of any inconsistency between this Loan Contract and the Loan Limit Contract regarding the provisions of Article 3 "Repayment”,
this Loan Contract shall prevail.

 

Article 4 Party B’s Representations
and Warranties

 

4.1 Party B is a reputable enterprise duly incorporated
and validly existing in the jurisdiction where it is located and has full rights to engage in the business it is currently engaged in
with government license and approval.

 

4.2 Party B has completed all internal and external
authorizations and approvals required for the signing of this Contract. The signing of this Contract is an expression of the true intention
of Party B and will not result in any violation of Party B’s Articles of Association or any agreement or commitment signed by Party
B with any third party. Party B does not violate any laws, regulations, and rules on environmental protection, energy saving, emission
reduction, and pollution reduction at the time of signing this Contract, and undertakes to strictly abide by such laws, regulations, and
rules after signing this Contract.

 

    Page 3 of 10

     

    

 

4.3 Party B is not involved in any litigation,
arbitration, enforcement, appeal, reconsideration, and other procedures or other events or circumstances that may have a material adverse
effects on the performance of this Contract, except for those notified to Party A in writing by Party B before the signing of this Contract.

 

4.4 Party B shall, within the time limit required
by Party A, provide explanations or supplementary information on its business condition, financial performance, or other matters that,
in Party A’s opinion, may affect Party B’s loan risk. Party B shall cooperate to provide documents and materials promptly
and guarantee that such documents and materials are true, complete, objective, and free from any misrepresentation, misleading statement,
or major omission, and that the financial statements are prepared in strict accordance with Chinese Accounting Standards.

 

4.5 Party B undertakes to abide by relevant laws
and regulations on the administration of tax collection, standardize tax returns filing and tax payment, timely submit and update financial
statements and other tax-related information to taxation authority, promptly declare and pay taxes, and ensure the authenticity and accuracy
of relevant information.

 

Article 5     Rights
and Obligations of Party B

 

5.1 Party B shall open an account with Party A and give priority to
Party A’s deposit and settlement services.

 

5.2 if Party B is a group client, it shall submit
a written report to Party A within ten days of the occurrence of a related party transaction involving more than 10% of its net assets,
which shall contain the affiliated relationship among the transaction parties, transaction items and nature, transaction amount or corresponding
proportion, and pricing policies (including transactions with no or nominal amounts).

 

A group client shall mean an enterprise or public institution legal
person with the following features:

 

(1) It directly or indirectly controls or is directly or indirectly
controlled by another enterprise or public institution legal person in respect of stock right or management;

 

(2) It is, together with another enterprise or public institution
legal person, controlled by a third party enterprise or public institution legal person;

 

(3) It is directly or indirectly controlled by the major investors
in person, key managers and their close family members (including the linear relatives within three generations and collateral relatives
within two generations) in a joint manner;

 

(4) There is another affiliated relationship through which the
assets and profits might be transferred beyond the principle of fair price, which shall be deemed as a group client under loan management.

 

5.3 If Party B is under any one or more of the following circumstances,
Party A shall have the right to decide whether to require Party B to provide an additional guarantee or directly recover all loans or
adjust and cancel the limit depending on the specific circumstances:

 

(1) The operation and financial performance of Party B or the
guarantor deteriorates, resulting in a significant decrease in income, significant financial loss or asset loss (including but not limited
to asset loss caused by its external investment or external guarantee) or other financial crisis;

 

(2) Party B fails to timely declare or falsely declare tax-related
information (including but not limited to the financial statements); or owes tax payable, violates tax laws and regulations, or is imposed
administrative fines by taxation authority;

 

(3) Party B is subject to administrative penalties or criminal
sanctions, or is involved in significant legal disputes due to its illegal business activities;

 

(4) Party B, its shareholders or actual controllers or guarantors
are involved in important cases or their main assets are subject to compulsory measures such as property preservation or administrative
penalties or criminal sanctions, or other events that make them impossible to perform their duties;

 

(5) Party B or the guarantor provides a guarantee to a third party,
which would have material adverse effects on its financial performance or ability to perform its obligations hereunder;

 

(6) Party B, the enterprise invested by Party
B, the guarantor or other enterprises invested by the guarantor confronts division, merger, material merge, acquisition and reorganization,
material asset disposal, capital reduction, business discontinuance, business suspension for rectification, liquidation, reorganization,
registration cancellation, dissolution, bankruptcy, or has been revoked of its business license;

 

(7) Other major events or default events that are sufficient to
affect the business activities of Party B, the guarantor and the security of Party A’s loans.

 

    Page 4 of 10

     

    

 

5.4 Party B shall ensure that its legal representative (applicable
when Party B is a company, same below)/or operator (applicable when Party B is a sole proprietorship of industry and commerce, same below)/or
person-in-charge (applicable when Party B is a non-corporate business organization, same below) shall act as the guarantor to undertake
personal joint and several liability guarantee to Party A for all loans under the limit, which shall not be changed, unless otherwise
agreed in writing by Party A. If Party B’s legal representative/or operator/or person-in-charge changes, Party A shall have the
right to make a new risk judgment on Party B, and require Party B’s new legal representative/or operator/or person-in-charge to
provide the joint and several liability guarantee or other additional guarantees.

 

5.5In case of any
change in the business address, mailing address, e-mail, telephone, business scope, legal representative/or operator/or person-in-charge
of Party B, it shall notify Party A within seven working days from the date of such change. If Party B fails to perform the aforesaid
notification obligation, the relevant notices and documents shall be deemed to have been served if delivered by Party A to the original
address.

 

Article 6     Rights
and Obligations of Party A

 

6.1 Party A shall have the right to evaluate the operating and financial
conditions and the progress of specific projects of Party B and the guarantor (if any) according to the conditions for credit granting
agreed in the contract when the limit becomes effective, and adjust the amount, term and interest rate of the loan according to the evaluation
results.

 

6.2 Party A shall have the right to request Party B to provide the
materials related to the limit, and enter or appoint a service agency to enter Party B’s place of business to investigate, review
and inspect the use of the loan and Party B’s assets, financial conditions and operating conditions, and shall have the right to
supervise Party B to use the loan for the purpose agreed herein, and Party B shall give cooperation.

 

6.3  Party
A shall maintain the confidentiality of the materials provided by Party B, unless otherwise prescribed by laws and regulations or regulatory
authorities or otherwise agreed by both parties, or the materials provided by Party B do not constitute confidential information.

 

6.4 Party A shall have the right to transfer its rights hereunder
and its creditor’s rights to the loan granted to Party B hereunder, in whole or in part, to a third party through asset transfer,
asset securitization or other means without the Party B’s consent. Party A shall have the right to notify Party B of the transfer
of the creditor’s rights by telephone, SMS, email, WeChat, announcement, or by publishing announcements or news on the lending platform.

 

6.5 Without Party A’s prior written consent,
Party B shall not transfer all or part of its rights and obligations hereunder and the corresponding loan debts owed to Party A under
this Contract to any third party.

 

Article 7     Breach
of Contract

 

7.1 Any of the following events shall constitute an event of Party
B’s default referred to in this Article:

 

(1) The loan hereunder is in arrears of interest payment, becomes
overdue, involves in advance payment, or is not used for the purpose agreed by both parties;

 

(2) Party B breaches any representations, warranties and undertakings
made by it;

 

(3) Party B breaches any of its obligations hereunder;

 

(4) Party B conceals true and important information;

 

(5) Party B or the guarantor (if any) evades or invalidates its
debts owed to banks or other financial institutions through related party transactions or other means;

 

(6) Party B or the guarantor (if any) is negligent in managing
and recovering the matured creditor’s rights, or disposes of its main property for free or at an unreasonable low price or in other
inappropriate ways to transfer property or has other acts of evading debts;

 

(7) Party B obtains fund or credit facility from Party A or other
financial institutions by using false contracts and arrangements between Party B and any third party;

 

(8) Party B or the guarantor (if any) violates other contracts
signed with Party A or other financial institutions (including but not limited to credit agreements, loan contracts and guarantee contracts)
or any debt securities issued by it;

 

    Page 5 of 10

     

    

 

(9) Party B’s guarantor (if any) is
in violation of the provisions of the guarantee agreement (including but not limited to guarantee agreement, mortgage contract and pledge
contract), commits any default under the guarantee agreement, or the guarantee agreement has not yet taken effect, become invalid or been
canceled; the collateral is significantly reduced or lost in terms of its value, or there is a dispute over its ownership, or it is sealed
up, seized, frozen, impounded, detained, auctioned, etc.;

 

(10) Party A cannot get in touch with Party B through the contact
information provided by Party B, or can not get in touch with the guarantor (if any) through the contact information provided by the guarantor;

 

(11) Any of the events listed in Articles 5.2 and 5.3 actually occurs,
which, in the opinion of Party A, will affect the security of its creditor’s rights;

 

(12) Party B’s business term expires within the term of the loan
limit, and Party B fails to extend the business term upon expiration.

 

7.2 In the event of a breach of contract by Party B, Party A shall
have the right to take the following measures:

 

(1) Adjust, cancel or terminate the loan limit hereunder, or adjust
the term and amount of the limit;

 

(2) Declare accelerated maturity of all or
part of the loan under the Loan Limit Contract and require Party B to immediately repay part or all of the principal, interest and expenses
of the loan (such expenses shall include but are not limited to attorney’s fee, litigation costs, arbitration fees, travel expenses,
notice fees, service expenses, execution fees, ownership transfer fees, commission fees for the third-party collection agency and all
other expenses paid by Party A for the realization of its creditor’s rights), and to charge penalty interest on all the loan principal
disbursed at the penalty interest rate from the date of occurrence of the default event until Party B settle all the loan principal in
full.

 

(3) Require Party B to provide new guarantee measures approved
by Party A;

 

(4) Directly make a deduction from the accounts of Party B and
the guarantor to settle all debts of Party B under this Contract and other specific business contracts (including the debts to be settled
in advance as required by Party A) without Party B’s prior consent;

 

(5) Exercise the guaranteed right, require the guarantor to perform
the guarantee liability, or realize its creditor’s right by disposing of the collateral and/or the pledge;

 

(6) Party A shall have the right to claim
subrogation right against Party B’s debtors according to law, request the court to cancel Party B’s waiver of its matured
creditor’s rights or transfer of property for free or at an obviously unreasonable low price, and Party B shall provide all necessary
cooperation and assistance as required by Party A. All expenses incurred by Party A shall be borne by Party B;

 

(7) Take other relief measures prescribed by laws, regulations
and the Contract.

 

7.3 Party B agrees that when conducting pre-loan due diligence,
in-loan information verification or post-loan inspection, debt collection and recovery, etc., Party A has the right to use Party
B’s identity information, contact information and other information related to Party B’s credit, finance, credit facility
and loan disbursement, and provide such information to a third party (including but not limited to, law firms, Party A’s loan service
institutions, outsourcing institutions, collection agencies and co-operating agencies, third-party financial institutions, payment institutions,
credit reporting agencies, the People’s Bank of China Basic Database of Financial Credit Information, the Ministry of Public Security
Citizen Identity Information Database, and other data (database) institutions established in accordance with the law, telecom operators
and their agency operators, the administrative organs, public institutions, judiciary authorities, arbitration bodies, regulatory authorities,
the National Internet Finance Association of China and other industry self-regulatory organizations); Party A shall urge other third parties
other than non-state organs and public institutions to properly keep, keep confidential and prudently use the aforesaid information and
not to use it for the purposes other than those entrusted by Party A, and shall urge the collection agencies not to collect and recover
debts in any illegal way.

 

7.4 If the loan is overdue for no more than 90
days (including 90 days), the loan principal and interest repayment sequence shall be: (1) expenses (if any); (2) interest (including
penalty interest); (3) principal. If the loan is overdue for more than 90 days, the loan principal and interest repayment sequence
shall be: (1) expenses; (2) principal; (3) interest (including penalty interest).

 

7.5 If Party B fails to repay the loan as agreed after the loan
becomes matured or early matured, Party A shall have the right to charge penalty interest on the loan principal at the interest rate agreed
in writing in Article 1 hereof plus 50% from the overdue date according to the actual number of days overdue. If Party B fails to
use the loan for the agreed purpose, Party A shall have the right to charge penalty interest on the amount of the loan misappropriated
at the interest rate agreed in writing in Article 1 hereof plus 100% from the date of using the loan in violation of the Contract.

 

    Page 6 of 10

     

    

 

In case the loan becomes overdue and is misappropriated concurrently,
the higher of the above two interest rates will apply.

 

Article 8     Supplementary
Provisions

 

8.1 The loan voucher related to this Contract
and other relevant documents and materials confirmed by both parties and the letter of commitment, declaration and other documents unilaterally
issued by Party B to Party A shall be an integral part of this Contract and have the same legal effect as this Contract. The aforesaid
documents have been fixed and preserved by a third-party evidence depository institution and can be used as evidence in dispute resolution.

 

8.2
Party B clearly understands that this Contract is signed online by affixing the electronic signature (digital certificate) of a third
party hereto in accordance with the Electronic Signature Law of China. Party B recognizes the CFCA Digital Certificate Service Agreement,
the Certification Practice Statement of CFCA Global-Trust System (hereinafter referred to as “CPS”) and their updated versions
published on http://www.cfca.com.cn by China Financial Certification Authority (hereinafter referred to as “CFCA”).
By applying for or using the electronic signature service, Party B agrees to accept and abide by all the terms and conditions of the CFCA
Digital Certificate Service Agreement and CPS.

 

8.3 Interpretation of the Contract

 

Party A shall have the right to unilaterally
revise the rights and obligations related to Party B under this Contract at any time without increasing Party B’s liability in terms
of loan amount and interest (fee) rate. In the case that the terms of the Contract are changed, Party A shall announce the lending platform.
Except as otherwise mandatorily stipulated in-laws and regulations or regulatory provisions, the revised content shall become effective
immediately after it is announced. If Party B does not agree to revise this Contract, it shall stop applying for new loans from the date
of such announcement, and shall repay the loan drawn under this Contract in full within ten days, failing which, Party B shall be deemed
to have agreed and accepted the revised Contract.

 

8.4 Compulsory Execution Notarization

 

 ̈
Both parties agree to perform compulsory execution notarization for this Contract. If Party B fails to fulfill or does not fully
fulfill the obligations agreed hereinafter the two parties apply for the contract notarization with the effectiveness of compulsory
execution, Party A shall have the right to apply for an execution certificate with the original notary office and apply for
execution with the people’s court having jurisdiction with the original notarial certificate and the execution
certificate.

 

8.5. Dispute settlement

 

 ̈ Any
disputes arising from the performance of this Contract shall be settled by the parties through negotiation. If such negotiation
fails, the parties agree to submit the dispute to Guangzhou Arbitration Commission for arbitration and jointly entrust China
Guangzhou Arbitration Commission to appoint an independent arbitrator, who shall conduct online arbitration in accordance with the
Commission’s online arbitration rules in effect at the time of applying for arbitration and conduct a written hearing.
The arbitration award shall be final, and will be binding on both Parties.

 

x In case of any
dispute arising from the performance of this Contract, both parties agree that a lawsuit may be filed with the court having jurisdiction
of the place where Party A conducts industrial and commercial registration

 

or the place where Party A conducts business,
and agree that the court accepting the lawsuit may conduct the trial through the Internet. If the arrears of principal and interest are
less than CNY 100,000 and the court accepting the lawsuit is a court under the pilot program of the reform of separation between complicated
cases and simple ones, both parties agree that the court may try the case under the small claims procedure and decide in the first instance
without further review.

 

8.6 Confirmation of Address for Service and
Mode of Service

 

(1) Party B confirms that the E-mail address
and mobile number provided by Party B to Party A shall be the addresses for service, and the business registration address of Party B
(or the address on the valid Resident Identity Card in case of a natural person) shall be the valid mailing address and mode. Party B
confirms and agrees that Party A, notary office, arbitration body and judiciary authority may serve business documents, notarial documents,
arbitration documents and litigation documents by one or more of the aforesaid modes of service. Party A, notary office, arbitration body
and judiciary authority serve documents to Party B by several modes of service, the time of service shall be the date when the documents
are successfully delivered first by one of such modes as displayed in the system.

 

(2) Party B confirms that the aforesaid modes of service and
address of service are applicable to service of litigation documents during the contract performance (including but not limited to the
loan collection and recovery by Party A, etc.), contract notarization with the effectiveness of compulsory execution (including but
not limited to the contract notarization with the effectiveness of compulsory execution, and default verification, etc.), arbitration,
as well as the mediation, first instance, second instance, retrial, and rehearing after the dispute enters the litigation procedure, and
execution procedure.

 

    Page 7 of 10

     

    

 

(3) Party B shall notify Party A five
working days in advance of any change in the aforesaid address of service and contact information. In case notarial, arbitration or litigation
procedures have been initiated with respect to the aforesaid dispute, Party B shall inform the notary office, relevant arbitration body
and judiciary authority in writing of the address of service and contact information so changed.

 

(4) If the notarial documents, arbitration documents and litigation
documents fail to be actually received by the party concerned for any such reasons as that Party B fails to provide the address of service
and contact information or the confirmed address of service and contact information are inaccurate, or Party B fails to notify Party A,
notary office, relevant arbitration body and judiciary authority and the party concerned in accordance with relevant procedures after
its address of service is changed, or its designated recipient refuses to sign for receipt, the aforesaid documents shall, in accordance
with the above provisions, be deemed to have been served as follows: In the case of post, the return date as shown in the logistics information
of the delivery platform shall be deemed as the date of service; in the case of direct service, the date on which the server makes a record
in the proof of service on site shall be deemed as the date of service; for litigation documents served by electronic means, the date
on which the electronic documents arrive at the specific system of the party concerned shall be deemed as the date of service.

 

(5) In case civil procedures are initiated for the dispute
and Party B responds to the action and directly submits a letter of confirmation of address for service to the court, if the address so
confirmed is inconsistent with the address for service confirmed before the action, the confirmed address for service submitted to the
court shall take precedence.

 

8.7 Please
make a choice by ticking a "√" inside a box for the confirmed in this Contract and its attachment. Any option not marked
with a "√" indicates that the contents of the option are not agreed upon in this Contract.

 

8.8 The
contents of the "IOU" agreed in the Loan Limit Contract have been included in Article 1 "Loan Essentials" of
the Contract. The adjustment of data display position shall not
affect the validity of relevant terms of the Loan Limit Contract.

 

8.9 This
Contract shall be governed by the law of the People’s Republic of China.

 

Party B hereby represents that it fully understands the terms of
this Contract and the terms of the guarantee contract (if any) related thereto and other relevant documents and that it has obtained independent
legal advice in this regard (when necessary).

 

    Page 8 of 10

     

    

 

Attachment 1:

 

Letter of Commitment on Employment Stabilization

 

The Borrower warrants that,
according to the national, provincial and municipal requirements on stable employment, it will create conditions for promoting employment,
stabilize employment, cut no jobs or fewer jobs, and use the loan granted by the Lender as the company’s working capital, including
but not limited to the payment of employee salaries, social insurance contribution, job transfer training, skill upgrading training and
other working capital needs of the Borrower.

 

In addition, the Borrower warrants that it will
pay the unemployment insurance premium in full for its employees in accordance with the law, actively assume social responsibility and
take effective measures not to cut jobs or make its layoff rate lower than the registered urban unemployment rate of the city.

 

The Borrower shall be held liable for any breach
of the above commitments.

 

    Page 9 of 10

     

    

 

(This page is used for affixing signatures and seals on the Loan
Contract numbered GHDJJ20210527010854)

 

	

Party A (Seal)	 

 

Signed on: May 27, 2021

 

	

Party B (Seal)	 

 

Signed on: May 27, 2021

 

    Page 10 of 10

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00346-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00346-of-00352.parquet"}]]