Document:

EX-10.12

 Exhibit 10.12 

Share Pledge Agreement 
 This Share
Pledge Agreement (this “Agreement”) has been executed by and among the following Parties on 23 March 2015 in Shanghai: 

Shanghai Huiyuan Management Consulting Company Limited, a limited liability company organized and existing under the laws of PRC, with its address at
Room 202-1, No. 13, 1502 Lane, Luoshan Road, Pudong District, Shanghai (“Pledgee”). 

Shenzhen Ping An Financial Technology Consulting Co., Ltd, a limited liability company organized and existing under the laws of PRC, with its address
at 4/F, Pingan Building, Baguasan Road, Bagualing, Futian District, Shenzhen (“Pledgor”). 
 Shanghai Xiongguo Corporation Management
Co., Ltd., a limited liability company organized and existing under the laws of PRC, with its address at 1106-B, 60 Mudan Road, Pudong District, Shanghai (“Company”). 

In this Agreement, each of Pledgee, Pledgor and the Company shall be referred to as a “Party” respectively, and they shall be collectively referred
to as the “Parties”. 
 Whereas, 
  

	1.	 Pledgor is a limited liability company organized and validly existing under the laws of PRC, and holds 49.99%
of the equity interest in the Company. The Company is a limited liability company registered and validly existing in Shanghai, China. The Company acknowledges the respective rights and obligations of Pledgor and Pledgee under this Agreement, and
agrees to provide any necessary assistance in registering the Pledge; 

  

	2.	 Pledgee is a Wholly Foreign Owned Enterprise registered and validly existing in Shanghai, China. Pledgee,
Pledgor and the Company have executed the Exclusive Equity Interest Option Agreement, Exclusive Asset Option Agreement and Voting Trust Agreement on 23 March 2015. The aforementioned Agreements shall be individually referred to as a
“Cooperation Agreement” and together referred to as the “Cooperation Agreements”. 

  

	3.	 Pledgor hereby agrees to pledge all of the equity interest it holds in the Company as security for the
fulfillment of any and all obligations of Pledgor under the Cooperation Agreements. 

  

	1.	 Definitions 

Unless otherwise provided herein, the terms below shall have the following meanings: 

 

	1.1	 “Pledge” shall refer to the security interest granted by Pledgor to Pledgee pursuant to
Article 2 of this Agreement, i.e., the right of Pledgee to be compensated on a preferential basis with the conversion, auction or sales price of the Equity Interest. 

 

	1.2	 “Equity Interest” shall refer to all of the equity interest lawfully now held and hereafter
acquired by Pledgor in the Company. 

  

	1.3	 “Term of Pledge” shall refer to the term set forth in Section 3 of this Agreement.

  

	1.4	 “Event of Default” shall refer to any of the circumstances set forth in Article 7 of this
Agreement. 

  

	1.5	 “Notice of Default” shall refer to the notice issued by Pledgee in accordance with this
Agreement declaring an Event of Default. 

  
 SHARE
PLEDGE AGREEMENT 

  

	1.6	 “PRC” shall refer to the People’s Republic of China, which excludes for the purposes of
this Agreement the Special Administrative Regions of Hong Kong and Macau and the Taiwan area. 

  

	1.7	 “Cooperation Agreements” shall have the meaning as ascribed to it under Whereas Section of
this Agreement. 

  

	2.	 The Pledge 

 

	2.1	 As collateral security for the prompt and complete performance of any and all obligations of Pledgor under the
Cooperation Agreements (collectively, the “Secured Obligations”), Pledgor hereby pledges to Pledgee a first security interest in the 49.99% equity interest of the Company owned by Pledgor (including the 49.99% registered capital
(amount of capital contribution) currently owned by Pledgor and all relevant equity interest thereto). 

  

	2.2	 The Parties understand and agree that the monetary valuation arising from, relating to or in connection with
the Secured Obligations shall be a variable and floating valuation until the Settlement Date (as defined below). 

  

	2.3	 Upon the occurrence of any of the events below (each an “Event of
Settlement”), the Secured Obligations shall be fixed at a value of the sum of all Secured Obligations that are due, outstanding and payable to Pledgee on or immediately prior to the date of such occurrence (the
“Fixed Obligations”): 

  

	 	(a)	 any Cooperation Agreement expires or is terminated pursuant to the stipulations thereunder;

  

	 	(b)	 the occurrence of an Event of Default pursuant to Section 7 that is not resolved, which results in Pledgee
serving a Notice of Default to Pledgor pursuant to Section 7.3; 

  

	 	(c)	 Pledgee reasonably determines (having made due enquiries) that Pledgor and/or the Company is insolvent or could
potentially be made insolvent; or 

  

	 	(d)	 any other event that requires the settlement of the Secured Obligations in accordance with relevant laws of the
PRC. 

  

	2.4	 For the avoidance of doubt, the day of the occurrence of an Event of Settlement shall be the settlement date
(the “Settlement Date”). On or after the Settlement Date, Pledgee shall be entitled, at the election of Pledgee, to enforce the Pledge in accordance with Section 8. 

 

	2.5	 Pledgee is entitled to collect dividends or other distributions, if any, arising from the Equity Interest
during the Term of Pledge. 

  

	3.	 Term of Pledge 

 

	3.1	 The Pledge shall become effective as of the date when the pledge of the Equity Interest is registered with the
local administration of industry and commerce where the Company locates (the “Registration Authority”). The Term of the Pledge (the “Term of Pledge”) shall end when the last obligation secured by the Pledge is paid
or fully fulfilled. The Parties agree that, promptly after the execution of this Agreement (but in no event later than 20 days from the execution date of this Agreement), Pledgor and Pledgee shall submit their application for pledge registration to
the Registration Authority in accordance with the Measures on Share Pledge Registration with the Administration of Industry and Commerce. The Parties also agree that within fifteen (15) days after the Registration Authority officially
accepts equity pledge application, Pledgor and the Company shall complete the pledge registration procedure, obtain the pledge registration notice and completely and accurately register the Pledge of Equity Interest on the Pledge Registration Book
of the Registration Authority. The Company acknowledges the respective rights and obligations of Pledgor and Pledgee under this Agreement, and agrees to provide any necessary assistance in registering the Pledge. 

 
 SHARE PLEDGE AGREEMENT 

	3.2	 During the Term of Pledge, in the event Pledgor fails to perform any of its obligations under the Cooperation
Agreements, Pledgee shall have the right, but not the obligation, to dispose of the Pledge in accordance with the provisions of this Agreement. 

  

	4.	 Custody of Records for Equity Interest subject to Pledge 

 

	4.1	 During the Term of Pledge, Pledgor shall deliver to Pledgee’s custody the originals of the capital
contribution certificate for the Equity Interest, the shareholders’ register containing the Pledge, and other documents reasonably requested by Pledgee (including without limitation the notice of registration of the Pledge issued by the
Registration Authority) within one week from the date the Pledge is registered. Pledgee shall have custody of such items during the entire Term of Pledge. 

  

	5.	 Representations and Warranties of Pledgor and the CompanyPledgor Represents
and Warrants to Pledgee that: 

  

	5.1	 Pledgor is the sole legal and beneficial owner of the Equity Interest. Except for being subject to other
agreements entered into by Pledgor and Pledgee, Pledgor enjoys legal and complete ownership of the Equity Interest, free from any existing dispute over the ownership of the Equity Interest. Pledgor may dispose of any and all Equity Interest. Pledgor
has the legitimate powers and capacity to enter into, and fulfill its legal obligations pursuant to this Agreement. 

  

	5.2	 The Equity Interest may be pledged and transferred according to law, and Pledgor has the full rights and powers
to pledge the Equity Interest in favor of Pledgee pursuant to this Agreement. 

  

	5.3	 This Agreement, once properly executed by Pledgor, constitutes legal, valid and binding obligations of Pledgor.

  

	5.4	 All third-party consents, approvals, waivers, and authorizations, or any government approvals, permissions,
exemptions, or any registrations or filings (if required by law) with any government authorities, necessary for the execution and performance of this Agreement and for the Pledge of the Equity Interest hereunder, have been obtained or completed and
will remain fully effective within the term hereof. 

  

	5.5	 The Pledge hereunder constitutes the first-priority security interests in the Equity Interest.

  

	5.6	 All the taxes and charges payable as a result of the receipt of the Equity Interest have been paid in full by
Pledgor. 

  

	5.7	 Pledgee shall have the right to dispose of and transfer the Equity Interest in accordance with the provisions
set forth in this Agreement. 

  

	5.8	 Except for the Cooperation Agreements, Pledgor has not placed any security interest or other encumbrance on the
Equity Interest. There are no controversies over the ownership of the Equity Interest. The Equity Interest is not seized or subject to any other legal proceedings or similar threats, and is good for transfer and pledging according to applicable
laws. 

  

	5.9	 Pledgor’s execution of this Agreement and exercise of its rights under this Agreement (or fulfillment of
its obligations under this Agreement) will not breach any laws, regulations, and agreements or contracts to which Pledgor is a party, or any promise Pledgor has made to any third parties. 

 
 SHARE PLEDGE AGREEMENT 

	5.10	 All documents, materials, statements and certificates provided by Pledgor to Pledgee are accurate, true,
complete and valid. 

  

	5.11	 Pledgor hereby warrants to Pledgee that all the above representations and warrants will be true and correct and
fully complied with under all circumstances before the contractual obligations have been fulfilled or the Secured Obligations have been repaid in full. 

The Company Represents and Warrants to Pledgee that: 
  

	5.12	 The Company is a limited liability company registered and validly existing under the laws of China. The Company
has the qualification of an independent legal person, enjoys complete and independent legal status and the legal capacity to sign, deliver and fulfill this Agreement. 

 

	5.13	 All the reports, documents and information provided by the Company to Pledgee before the effective date hereof,
in connection with the Equity Interest or required by this Agreement, shall all be true and correct in all material aspects as of the effective date hereof All the reports, documents and information provided by the Company to Pledgee after the
effective date hereof, in connection with the Equity Interest or required by this Agreement, shall all be true and correct in all material aspects as of the date of provision. 

 

	5.14	 Upon due execution of the Company, this Agreement constitute legal, effective and binding obligation on the
Company. 

  

	5.15	 The Company has the complete internal power and authorization to sign and deliver this Agreement and all other
documents relating to the transactions contemplated under this Agreement. The Company has the complete power and authorization to complete the transactions contemplated under this Agreement. 

 

	5.16	 Regarding the assets owned by the Company, there are no guarantee interests or any other encumbrance on
property rights that are substantial and may impact Pledgee’s right and interests in the Equity Interest (including without limitation transfer of any of the Company’s intellectual properties or any assets with an a value equaling or over
RMB 100,000, or any encumbrance on the ownership or right to use of such assets). 

  

	5.17	 Without the prior written consent of Pledgee, the Company shall not incur, inherit, guarantee or suffer the
existence of any debt, except for (i) debts incurred in the ordinary course of business other than through loans; and (ii) debts disclosed to Pledgee for which Pledgee’s written consent has been obtained; 

 

	5.18	 The Company shall always operate all of its businesses during the ordinary course of business to maintain its
asset value and refrain from any action/omission that may affect its operating status and asset value; 

  

	5.19	 In any court or arbitration tribunal there are no pending (or, as far as the Company knows, threatening)
litigation, arbitration or other legal proceedings against the Equity Interest, the Company or its assets, and in any governmental agencies or departments, there are no pending (or, as far as the Company knows, threatening) administrative
proceedings or penalties against the Equity Interest, the Company or its assets, which may substantially or adversely impact the Company’s economic condition or Pledgor’s ability to fulfill its obligations and guarantee liabilities under
this Agreement. 

  
 SHARE PLEDGE AGREEMENT 

	5.20	 The Company hereby agrees that it is jointly and severally liable to Pledgee for all representations and
warranties made by Pledgor under this Agreement. 

  

	5.21	 The Company hereby warrants to Pledgee that, at any time and under any circumstances prior to complete
fulfillment of the obligations under this Agreement or the Secured Obligations being fully repaid, the aforementioned representations and warranties are true and accurate and will be fully complied with. 

 

	6.	 Covenants and Further Agreements of Pledgor and the Company 

The covenants and further agreements of Pledgor are set forth below. 

 

	6.1	 Pledgor hereby covenants to Pledgee, that during the term of this Agreement, Pledgor shall:

  

	 	6.1.1	 not transfer (or agree to others’ transfer of) all or any part of the Equity Interest, place or permit the
existence of any security interest or other encumbrance on property rights that may affect Pledgee’s rights and interests in the Equity Interest, without the prior written consent of Pledgee, except for the performance of the Cooperation
Agreements; 

  

	 	6.1.2	 comply with the provisions of all laws and regulations applicable to the pledge of rights, and within 5 days of
receipt of any notice, order or recommendation issued or prepared by relevant competent authorities (or any other relevant parties) regarding the Pledge, shall present the aforementioned notice, order or recommendation to Pledgee, and shall comply
with the aforementioned notice, order or recommendation or submit objections and representations with respect to the aforementioned matters upon Pledgee’s reasonable request or upon consent of Pledgee; 

 

	 	6.1.3	 promptly notify Pledgee in writing of any event or notice received by Pledgor that may have an impact on
Pledgee’s rights to the Equity Interest or any portion thereof, as well as any event or notice received by Pledgor that may have an impact on any guarantees and other obligations of Pledgor arising out of this Agreement, and, upon reasonable
request of Pledgee, take all necessary actions to secure the rights and interest to which Pledgee is entitled in the Equity Interest. 

  

	6.2	 Pledgor agrees that the rights acquired by Pledgee in accordance with this Agreement with respect to the Pledge
shall not be interrupted or harmed by Pledgor or any heirs or representatives of Pledgor or any other persons through any legal proceedings. 

  

	6.3	 To protect or perfect the security interest granted by this Agreement for fulfillment of the obligations under
the Cooperation Agreements, Pledgor hereby undertakes to execute in good faith and to cause other parties who have an interest in the Pledge to execute all certificates, agreements, deeds and/or covenants required by Pledgee. Pledgor also undertakes
to perform and to cause other parties who have an interest in the Pledge to perform actions required by Pledgee, to facilitate the exercise by Pledgee of its rights and authority granted thereto by this Agreement, and to enter into all relevant
documents regarding ownership of Equity Interest with Pledgee or designee(s) of Pledgee (natura/legal persons). Pledgor undertakes to provide Pledgee within a reasonable time with all notices, orders and decisions regarding the Pledge that are
required by Pledgee. 

  

	6.4	 Pledgor hereby undertakes to comply with and perform all guarantees, promises, agreements, representations and
conditions under this Agreement. In the event of failure or partial performance of its guarantees, promises, agreements, representations and conditions, Pledgor shall indemnify Pledgee for all losses resulting therefrom. 

 
 SHARE PLEDGE AGREEMENT 

	6.5	 If the Equity Interest pledged under this Agreement is, for any reason, subject to mandatory measures imposed
by the court of law or other governmental departments, Pledgor shall try its best to release such mandatory measures imposed by the court of law or other governmental departments, including without limitation providing to the court of law other
kinds of security or other measures. 

  

	6.6	 If there is a possibility that the value of the Equity Interest will be decreased and such decrease is
sufficient to harm the rights and interests of Pledgee, Pledgee may request Pledgor to provide additional collateral or security. If Pledgor refuses to provide such security, Pledgee may, at any time, sell the Equity Interest or put it up for
auction, and use the monies obtained from such sale or auction to settle the Secured Obligations in advance or put such monies under custody; all expenses therefore occurred shall be borne by Pledgor. 

 

	6.7	 Without the prior written consent from Pledgee, Pledgor and/or the Company shall not by themselves (or
assisting others to) increase, decrease or transfer the registered capital of the Company (or its capital contribution to the Company) or impose any encumbrances on it, including the Equity Interest. Subject to the forgoing provision, any equity
interest which is registered and obtained by Pledgor subsequent to the date of this Agreement shall be called “Additional Equity Interest”. Pledgor and the Company shall, immediately after Pledgor obtains the Additional Equity Interest,
enter with Pledgee supplemental share pledge agreement for the Additional Equity Interest, make the board of directors and shareholders’ meeting of the Company approve the supplemental share pledge agreement, and deliver to Pledgee all
documents necessary for the supplemental share pledge agreement, including without limitation (a) the original certificate issued by the Company about shareholders’ capital contribution relating to the Additional Equity Interest; and
(b) the verified photocopy of the capital contribution verification report (issued by certified public accountant in China) regarding the Additional Equity Interest. Pledgor and the Company shall, according to Article 3.1 of this Agreement,
handle the pledge registration procedures relating to the Additional Equity Interest. 

  

	6.8	 Unless otherwise instructed by Pledgee in writing in prior, Pledgor and/or the Company agree that, if part of
or all of the Equity Interest is transferred between Pledgor and any third parties in violation of this Agreement (“Transferee of the Equity Interest”), then Pledgor and/or the Company shall ensure that the Transferee of the Equity
Interest will unconditionally recognize the Pledge and follow necessary procedures for modification of the registration of the Pledge (including without limitation signing relevant documents) so as to ensure the continued existence of the Pledge.

 The covenants and further agreements of the Company are set forth below. 

 

	6.9	 If, for the execution of this Agreement and Pledge under this Agreement, it is necessary to obtain any third
party consent, approval, waiver or authorization, any governmental approval, license or waiver, or complete registration or recordal procedures in any governmental departments (as required by the law), then the Company shall try its best to assist
in obtain the same and cause it to remain in effect during the term of this Agreement. 

  

	6.10	 Without prior written consent of Pledgee, the Company will not provide any person or entity with any loan or
credit or guarantee in any form; assist or allow Pledgor to set up any new pledges or grant other security over the Equity Interest, nor will the Company assist or allow Pledgor to transfer the Equity Interest. 

 

	6.11	 The Company agrees to, jointly with Pledgor, strictly comply with Article 6.7 and Article 6.8 of this
Agreement. 

  
 SHARE PLEDGE AGREEMENT 

	6.12	 Without prior written consent of Pledgee, the Company shall not transfer its assets or set up (or allow the
existence of) any security or encumbrances on property rights that may affect Pledgee’s rights and interests in the Equity Interest (including without limitation transfer of any of the Company’s intellectual properties or any assets with
an a value equaling or over RMB 100,000, or any encumbrance on the ownership or right to use of such assets). 

  

	6.13	 Where there are any litigations, arbitrations or any other claims, which may adversely impact the Company, the
Equity Interest, or Pledgee’s interests under the Cooperation Agreements and this Agreement, the Company shall, as soon as possible, send timely notice to Pledgee and according to reasonable requests of Pledgee take all necessary measures to
protect Pledgee’s pledge interests in the Equity Interest. 

  

	6.14	 The Company shall not conduct or allow any acts or actions that may adversely impact the Equity Interest or
Pledgee’s interest under the Cooperation Agreements and this Agreement. 

  

	6.15	 The Company shall, during the first month of each calendar quarter, provide to Pledgee its financial statements
for the preceding calendar quarter, including without limitation its balance sheets, profit statements and cash flow statements. Within 90 days of the end of each fiscal year, the Company shall provide Pledgee with the Company’s audited
financial statements of the current fiscal year, which shall be audited and certified by the independent certified auditor approved by Pledgee. 

  

	6.16	 The Company shall, pursuant to Pledgee’s reasonable requests, take all necessary measures and sign all
necessary documents so as to ensure and protect Pledgee’s pledge rights over the Equity Interest and the realization thereof 

  

	6.17	 If the exercise of the Pledge under this Agreement results in any transfer of the Equity Interest, the Company
agrees and warrants that it will take all measures to effect such transfer. 

  

	7.	 Event of Default 

 

	7.1	 The following circumstances shall be deemed Event of Default: 

 

	 	7.1.1	 Pledgor fails to promptly perform or perform in full any of its obligations under the Cooperation Agreements;

  

	 	7.1.2	 Any representation or warranty by Pledgor in Article 5 of this Agreement contains material misrepresentations
or errors, and/or Pledgor violates any of the warranties in Article 5 of this Agreement; 

  

	 	7.1.3	 Pledgor and the Company fail to complete the registration of the Pledge with Registration Authority;

  

	 	7.1.4	 Pledgor or the Company breach any provisions of this Agreement; 

 

	 	7.1.5	 Except as expressly stipulated in Section 6.1.1, Pledgor transfers or purports to transfer or abandons the
Equity Interest or assigns the Equity Interest without the written consent of Pledgee; 

  

	 	7.1.6	 Any of Pledgor’s own loans, guarantees, indemnifications, promises or other debt liabilities to any third
party or parties (1) become subject to a demand of early repayment or performance due to default on the part of Pledgor; or (2) become due but are not capable of being repaid or performed in a timely manner; 

 
 SHARE PLEDGE AGREEMENT 

	 	7.1.7	 Any approval, license, permit or authorization of government agencies that makes this Agreement enforceable,
legal and effective is withdrawn, terminated, invalidated or substantively changed; 

  

	 	7.1.8	 The promulgation of applicable laws renders this Agreement illegal or renders it impossible for Pledgor to
continue to perform its obligations under this Agreement; 

  

	 	7.1.9	 Adverse changes in properties owned by Pledgor, which lead Pledgee to believe that that Pledgor’s ability
to perform its obligations under this Agreement has been affected; 

  

	 	7.1.10	 The successor or custodian of the Company is capable of only partially performing or refuses to perform any
obligation under the Cooperation Agreements; and 

  

	 	7.1.11	 Any other circumstances occur where Pledgee is or may become unable to exercise its right with respect to the
Pledge. 

  

	7.2	 Upon notice or discovery of the occurrence of any circumstances described in Section 7.1 or event that may
lead to the aforementioned circumstances described in Section 7.1, Pledgor shall immediately notify Pledgee in writing accordingly. 

  

	7.3	 Unless an Event of Default set forth in this Section 7.1 has been successfully resolved to Pledgee’s
satisfaction within thirty (30) days of Pledgee’s notice, Pledgee may issue a Notice of Default to Pledgor in writing upon the occurrence of the Event of Default or at any time thereafter and demand that Pledgor immediately pays all
payments due under the Cooperation Agreements, and/or disposes of the Pledge in accordance with the provisions of Article 8 of this Agreement. 

  

	8.	 Exercise of Pledge 

 

	8.1	 Prior to the full performance of the Cooperation Agreements and full payment of all payments described therein,
without Pledgee’s written consent, Pledgor shall not assign the Pledge or the Equity Interest. 

  

	8.2	 Pledgee may issue a Notice of Default to Pledgor when exercising the Pledge. 

 

	8.3	 Subject to the provisions of Section 7.3, Pledgee may exercise the right to enforce the Pledge
concurrently with the issuance of the Notice of Default in accordance with Section 7.2 or at any time after the issuance of the Notice of Default. Once Pledgee elects to enforce the Pledge, Pledgor shall cease to be entitled to any rights or
interests associated with the Equity Interest. 

  

	8.4	 In the Event of Default, Pledgee is entitled to dispose of the Equity Interest pledged, to the extent permitted
and in accordance with applicable laws; if, after satisfying all Secured Obligations, there is any balance in the monies collected by Pledgee by enforcing the Pledge, then such balance shall be, without calculation of interests, paid to Pledgor or
other parties entitled to receive such balance. 

  

	8.5	 When Pledgee disposes of the Pledge in accordance with this Agreement, Pledgor and the Company shall provide
necessary assistance to enable Pledgee to enforce the Pledge in accordance with this Agreement. 

  

	8.6	 Unless otherwise provided by the law, all expenses, tax, charges and all legal fees relating to the
establishment of the Pledge and enforcement of it shall be borne by Pledgor. 

  

	9.	 Assignment 

 

	9.1	 Without Pledgee’s prior written consent, Pledgor and the Company shall not assign or delegate its rights
and obligations under this Agreement. 

  
 SHARE PLEDGE
AGREEMENT 

	9.2	 This Agreement shall be binding on Pledgor and its successors and permitted assigns, and shall be valid with
respect to Pledgee and each of its successors and assigns. 

  

	9.3	 At any time, Pledgee may assign any and all of its rights and obligations under this Agreement and the
Cooperation Agreements to its designee(s) (natural/legal persons), in which case the assigns shall have the rights and obligations of Pledgee under this Agreement, as if it were the original party to this Agreement. When Pledgee assigns the rights
and obligations under this Agreement and the Cooperation Agreements, upon Pledgee’s request, Pledgor and the Company shall execute relevant agreements or other documents relating to such assignment. 

 

	9.4	 In the event of a change in Pledgee due to an assignment, Pledgor and the Company shall, at the request of
Pledgee, execute a new pledge agreement with the new pledgee on the same terms „and conditions as this Agreement. 

  

	9.5	 Pledgor shall strictly abide by the provisions of this Agreement and other contracts jointly or separately
executed by the Parties hereto or any of them, including the Cooperation Agreements, perform the obligations hereunder and thereunder, and refrain from any action/omission that may affect the effectiveness and enforceability thereof. Any remaining
rights of Pledgor with respect to the Equity Interest pledged hereunder shall not be exercised by Pledgor except in accordance with the written instructions of Pledgee. 

 

	10.	 Termination 

Upon the full performance of the Cooperation Agreements and full payment of all payments described therein, and upon termination of
Pledgor’s obligations under the Cooperation Agreements, this Agreement shall be terminated, and Pledgee shall then release the equity pledge hereunder as soon as reasonably practicable and cooperate with Pledgor in connection with the
deregistration of the equity pledge in the Company’s shareholder register and with the Registration Authority. The reasonable fees arising from pledge deregistration shall be borne by Pledgor. 

 

	11.	 Handling Fees and Other Expenses 

Unless otherwise agreed or required by applicable laws, all fees and out of pocket expenses relating to this Agreement, including but not
limited to legal costs, costs of production, stamp tax and any other taxes and fees, shall be borne by the Company. 
  

	12.	 Confidentiality 

The Parties acknowledge that any oral or written information exchanged among them with respect to this Agreement is confidential information.
Each Party shall maintain the confidentiality of all such information, and without obtaining the written consent of other Parties, it shall not disclose any relevant information to any third parties, except in the following circumstances:
(a) such information is or will be in the public domain (provided that this is not the result of a public disclosure by the receiving Party); (b) information disclosed as required by applicable laws or rules or regulations of any stock
exchange; or (c) information required to be disclosed by any Party to its legal counsel or financial advisor regarding the transaction contemplated hereunder, and such legal counsel or financial advisor are also bound by confidentiality duties
similar to the duties in this section. Disclosure of any confidential information by the staff members or agency hired by any Party shall be deemed disclosure of such confidential information by such Party, which Party shall be held liable for
breach of this Agreement. This section shall survive the termination of this Agreement for any reason. 
  

SHARE PLEDGE AGREEMENT 

	13.	 Governing Law, Resolution of Disputes and Change in Laws 

 

	13.1	 The execution, effectiveness, construction, performance, and the resolution of disputes hereunder shall be
governed by the formally published and publicly available laws of China. Matters not covered by formally published and publicly available laws of China shall be governed by international legal principles and practices. 

 

	13.2	 In the event of any dispute with respect to the construction and performance of the provisions of this
Agreement, the Parties shall negotiate in good faith to resolve the dispute. In the event the Parties fail to reach an agreement on the resolution of such a dispute within 30 days after any Party’s request for resolution of the dispute through
negotiations, any Party may submit the relevant dispute to the China International Economic and Trade Arbitration Commission (“CIETAC”) for arbitration, in accordance with its then effective arbitration rules. The arbitration shall
be conducted in Shanghai, and the language used during arbitration shall be Chinese. The arbitration ruling shall be final and binding on all Parties. 

  

	13.3	 Upon the occurrence of any disputes arising from the construction and performance of this Agreement or during
the pending arbitration of any dispute, except for the matters under dispute, the Parties to this Agreement shall continue to exercise their respective rights under this Agreement and perform their respective obligations under this Agreement.

  

	13.4	 In case of promulgation or any change to or in any Chinese law, regulation or rule, or any change to or in the
interpretation or application of the same anytime after execution of this Agreement, the following agreement shall apply: (a) if any Party would enjoy more benefits under any changed or new law than under the relevant law, regulation or rule in
effect at the date of this Agreement, without any material adverse effect upon the other Parties, the Parties shall promptly apply for such benefits brought by the changed or new law. The Parties shall make best efforts to procure the approval of
such application; and (b) if the aforementioned law change or promulgation causes any direct or indirect material adverse effect to either Party, this Agreement shall be implemented in its original terms and conditions. However, the Parties
shall try all lawful means to procure exemption from compliance with such changed or new law provisions. In the event such adverse effect on the economic interest of either Party is unable to be resolved pursuant to this Agreement, the affected
Party may give notice to the other Parties, and the Parties shall hold prompt discussion and make all necessary amendments to this Agreement so as to maintain the economic benefits otherwise enjoyed by the affected Party. 

 

	13.5	 Subject to PRC laws, the arbitration tribunal may award remedies over the shares or land assets of Pledgor,
injunctive relief (including but not limited to matters of business or compel the transfer of assets) or award the winding-up of Pledgor. Any party shall have the right to apply for enforcement of arbitration
awards to the court with jurisdiction after the arbitration awards come into force. Subject to PRC laws, the courts of Hong Kong and China also have jurisdiction for the enforcement of the arbitration awards and the interim remedies against the
shares or land assets of Pledgor. 

  
 SHARE PLEDGE
AGREEMENT 

	14.	 Notices 

 

	14.1	 All notices and other communications required or permitted to be given pursuant to this Agreement shall be
delivered personally or sent by registered mail, postage prepaid, by a commercial courier service or by facsimile transmission to the address of such Party set forth below. A confirmation copy of each notice shall also be sent by email. The dates on
which notices shall be deemed to have been effectively given shall be determined as follows: 

  

	 	14.1.1	 Notices given by personal delivery, by courier service or by registered mail, postage prepaid, shall be deemed
effectively given on the date of delivery or refusal at the address specified for notices. 

  

	 	14.1.2	 Notices given by facsimile transmission shall be deemed effectively given on the date of successful
transmission (as evidenced by an automatically generated confirmation of transmission). 

  

	14.2	 For the purpose of notices, the addresses of the Parties are as follows: 

 

			
	Pledgee:	  	Shanghai Huiyuan Management Consulting Company Limited
	Address:	  	[***]
	Attn:	  	[***]
		
	Pledgor:	  	Shenzhen Ping An Financial Technology Consulting Co., Ltd
	Address:	  	[***]
	Attn:	  	[***]
		
	Company:	  	Shanghai Xiongguo Corporation Management Co., Ltd.
	Address:	  	[***]
	Attn:	  	[***]

  

	14.3	 Any Party may at any time change its address for notices by a notice delivered to the other Parties in
accordance with the terms hereof. 

  

	15.	 Severability 

In the event that one or several of the provisions of this Agreement are found to be invalid, illegal or unenforceable in any aspect in
accordance with any laws or regulations, the validity, legality or enforceability of the remaining provisions of this Agreement shall not be affected or compromised in any respect. The Parties shall strive in good faith to replace such invalid,
illegal or unenforceable provisions with effective provisions that accomplish to the greatest extent permitted by law and the intentions of the Parties, and the economic effect of such effective provisions shall be as close as possible to the
economic effect of those invalid, illegal or unenforceable provisions. 
  

SHARE PLEDGE AGREEMENT 

	16.	 Successors 

This Agreement shall be binding on the respective successors of the Parties and the permitted assigns of such Parties. 

 

	17.	 Survival 

 

	17.1	 Any obligations that occur or that are due as a result of this Agreement upon the expiration or early
termination of this Agreement shall survive the expiration or early termination thereof. 

  

	17.2	 The provisions of Sections 13, 14 and this Section 17 shall survive the termination of this Agreement.

  

	18.	 Waivers 

Any Party may waive the terms and conditions of this Agreement, provided that such a waiver must be provided in writing and shall require the
signatures of the Parties. No waiver by any Party in certain circumstances with respect to a breach by other Parties shall operate as a waiver by such a Party with respect to any similar breach in other circumstances. 

 

	19.	 Amendment, change and supplement 

 

	19.1	 Any amendment, change and supplement to this Agreement shall require the execution of a written agreement by
all of the Parties and be recorded with competent governmental authorities (if applicable). 

  

	19.2	 If The Stock Exchange of Hong Kong Limited (“SEHK”) or any other relevant regulatory authority or
stock exchange requests any amendment to this Agreement or if there is any change to the Rules Governing the Listing of Securities on the SEHK or any other relevant stock exchange rules that is relevant to the terms of this Agreement, the Parties
shall make corresponding changes to the terms of this Agreement. 

  

	20.	 Language 

This Agreement is written in Chinese and English in five (5) copies. Each of Pledgor, Pledgee and the Company shall hold one
(1) copy, respectively; one (1) copy shall be submitted to the Registration Authority; and Pledgee shall keep the remaining copies. Each copy of this Agreement shall have equal validity. In case there is any conflict between the Chinese
version and the English version, the Chinese version shall prevail. 
 [The space below is intentionally left blank.] 

 
 SHARE PLEDGE AGREEMENT 

 IN WITNESS WHEREOF, the Parties have caused their authorized representatives to execute this Share Pledge
Agreement as of the date first above written. 
  

					
	Pledgee: Shanghai Huiyuan Management Consulting Company Limited
			
	By:	  	 /s/ Gibb Gregory Dean
	  	
	Name:	  	Gibb Gregory Dean	  	
	Title:	  	Legal Representative	  	
	
	Pledgor: Shenzhen Ping An Financial Technology Consulting Co., Ltd
			
	By:	  	 /s/ Zhou Ting Yuan
	  	
	Name:	  	Zhou Ting Yuan	  	
	Title:	  	Legal Representative	  	
	
	Company: Shanghai Xiongguo Corporation Management Co., Ltd.
			
	By:	  	 /s/ Gibb Gregory Dean
	  	
	Name:	  	Gibb Gregory Dean	  	
	Title:	  	Legal Representative	  	

  
 SIGNATURE PAGE TO SHARE PLEDGE AGREEMENTEX-10.13

 Exhibit 10.13 

Voting Trust Agreement 
 This Voting Trust
Agreement (this “Agreement”) is executed by and among the following Parties as of 23 March 2015 in Shanghai, the People’s Republic of China (“PRC”): 

Shanghai Huiyuan Management Consulting Company Limited, a limited liability company organized and existing under the laws of PRC, with its address at
Room 202-1, No. 13, 1502 Lane, Luoshan Road, Pudong District, Shanghai (“Proxy”). 

Xinjiang Tongjun Equity Investment Limited Partnership, a limited partnership enterprise organized and existing under the laws of PRC, with its address
at No. 46, 4/F, No. 21 Xiamen Road, Economic and Technological Development Zone, Urumqi (“XJTJ”). 
 Linzhi Jinsheng
Investment Management Limited Partnership, a limited partnership enterprise organized and existing under the laws of PRC, with its address at Room 301, 3/F, Price Bureau, Gongbujiangda County, Linzhi District, Tibet (“LZJS”).

 Shanghai Lanbang Investment Limited Liability Company, a limited liability company organized and existing under the laws of PRC, with its address
at Room 1002N, No. 2277 Longyang Road, Pudong District, Shanghai (“SHLB”). 
 Shenzhen Ping An Financial Technology Consulting Co.,
Ltd, a limited liability company organized and existing under the laws of PRC, with its address at 4/F, Pingan Building, Baguasan Road, Bagualing, Futian District, Shenzhen (“PAFT”). 

XJTJ, LZJS, SHLB and PAFT shall be individually referred to as a “Principal” and collectively referred to as
“Principals”. 
 Shanghai Xiongguo Corporation Management Co., Ltd., a limited liability company organized and existing under the
laws of PRC, with its address at 1106-B, 60 Mudan Road, Pudong District, Shanghai (“OpCo”). 
 In
this Agreement, each of Proxy, a Principal and OpCo shall be referred to as a “Party” respectively, and they shall be collectively referred to as the “Parties”. 

Whereas: 
  

	1.	 Each Principal is a registered shareholder of OpCo, and they together hold 100% of the equity interests in OpCo
with their respective shareholding as follows: 

  

					
	 XJTJ
	  	 	29.55	% 
	 LZJS
	  	 	2.17	% 
	 SHLB
	  	 	18.29	% 
	 PAFT
	  	 	49.99	% 

 The total equity interests in OpCo held by a Principal shall be referred to as the “Shares”.

  

	2.	 OpCo and Proxy entered into the Exclusive Business Cooperation Agreement on 23 March 2015 (the
“Services Agreement”); 

  

	3.	 Each Principal desires to enter into this Agreement with Proxy, to entrust Proxy to exercise voting,
management, and other shareholder rights of OpCo on its behalf. 

 Now therefore, upon mutual discussion and negotiation, the Parties have
reached the following agreement: 

  
 1 

	1.	 Entrustment of Voting Rights and Other Shareholder Rights 

 

	 	1.1	 According to the conditions and terms hereunder, each Principal hereby exclusively entrusts and authorizes
Proxy to exercise voting, management, and other shareholder rights of OpCo on its behalf. The powers and rights of Proxy granted under the said exclusive entrustment include but not limited to the following: 

 

	 	(1)	 propose, convene and attend shareholders’ meetings of OpCo; 

 

	 	(2)	 exercise all the shareholder’s rights and shareholder’s voting rights that each Principal is entitled
to under the laws of China and OpCo’s Articles of Association, including but not limited to the sale or transfer or pledge or disposition of Shares in part or in whole, and participate in dividend distributions or any other type of distribution
of OpCo; 

  

	 	(3)	 designate and appoint on behalf of each Principal the legal representative (chairperson), the director,
supervisor, the chief executive officer (or general manager) and other senior management members of OpCo; 

  

	 	(4)	 sign minutes and file documents with the relevant companies registry; and 

 

	 	(5)	 exercise voting rights on the winding up of OpCo on behalf of each Principal. 

 

	 	1.2	 For Proxy’s effective implementation and exercise of each power and right granted under Article 1.1 above,
all Principals hereby jointly and severally commit and agree as follows: 

  

	 	1.2.1	 If any law, regulation, or government body requires any Principal to issue or execute special power of
attorney, governmental application documents, or similar documents or requires any Principal to carry out related procedures (such as notarization of power of attorney) with respect to a specific matter under entrustment, it shall immediately issue
and/or cooperate to execute related documents per such requirements; 

  

	 	1.2.2	 Each Principal shall promptly take all necessary actions to ensure due implementation of all OpCo related
resolutions made by the board of directors or shareholders’ meeting of the Proxy. Each Principal shall not, in the capacity of OpCo’s shareholder, delay or refuse the passing and/or implementation of any said resolution at the OpCo; and

  

	 	1.2.3	 Upon written request by the Proxy, each Principal shall appoint the individual, designated by the Proxy, as
legal representative and/or director or any other position of the OpCo. 

  

	 	1.3	 For the effective exercise of the powers and rights granted to the Proxy under Article 1.1, the OpCo hereby
commits and agrees as follows: 

  

	 	1.3.1	 Subject to applicable laws and regulations, the OpCo shall carry out the OpCo related resolutions made by the
board of directors or the shareholders’ meeting of the Proxy, including but not limited to the immediate provision and / or the execution of relevant documents as requested by the Proxy; 

 

	 	1.3.2	 The OpCo shall assist the Proxy to understand the details of its operation. Upon reasonable prior notice by the
Proxy, the OpCo shall provide the Proxy any corporate books, accounts, records and other documents. The Proxy is entitled to extract or photocopy such books, accounts, records and other documents; and 

  
 2 

	 	1.3.3	 The OpCo shall provide all other necessary assistance, including but not limited to promptly sign the
shareholders’ resolution of the OpCo made by Proxy and other relevant legal documents when necessary (such as to meet the authorities’ request on documents required for approval, registration and filing). 

 

	 	1.4	 Without limiting the generality of the powers and rights granted hereunder, Proxy shall have the power and
authority under this Agreement to execute the Transfer Agreements stipulated in the Exclusive Equity Interest Option Agreement, to which a Principal is requested to be a party thereof, on behalf of the Principal, and to perform the terms of the
Share Pledge Agreements, Exclusive Equity Interest Option Agreement, and Exclusive Asset Option Agreement, to which a Principal is a party. For purpose of the aforesaid, a “Share Pledge Agreement”, “Exclusive Equity Interest
Option Agreement”, and “Exclusive Asset Option Agreement” shall respectively refer to the relevant agreement entered into among Principal(s), OpCo, Proxy and dated the date hereof. 

 

	 	1.5	 The exercise of any rights attached to the Shares by the Proxy shall be deemed as the actions of the relevant
Principal, and all the documents related thereto executed by the Proxy shall be deemed to be executed by the relevant Principal. When acting in respect of any and all of the aforementioned matters, the Proxy may act at its own discretion and does
not need to seek the prior consent of any Principal. Each Principal hereby acknowledges and ratifies those actions and/or documents by the Proxy and acknowledges and accepts the legal consequences arising therefrom. 

 

	 	1.6	 Each Principal acknowledges that under no circumstances shall the Proxy be required to be held liable to or
make economic or other compensations for any other or third parties as a result of its exercise of the rights granted hereunder. Each Principal agrees to indemnify the Proxy and hold it harmless from any and all losses that are or may be incurred by
the Proxy as a result of the exercise by it of the rights granted hereunder, including but not limited to the losses arising from any actions, recourses, arbitrations, claims or government investigations or punishments filed against it by any third
parties, unless such losses are incurred as a result of the Proxy’s willful misconduct or gross negligence. 

  

	 	1.7	 Within the term of proxy, without prior written consent of the Proxy, no Principal shall early terminate or
rescind this Agreement or take any actions or inactions against or inconsistent with the exercise by the Proxy of the powers and rights granted to it under Article 1.1. 

 

	 	1.8	 Within the term of proxy, each Principal shall not (and shall not procure the OpCo to) take any action against
or inconsistent with the resolutions made by the board of directors or the shareholders’ meeting of the Proxy. 

  

	 	1.9	 Each Principal shall not take any action to dispute, challenge, contest or work against the validity and
enforceability of the Service Agreement and this Agreement and of the transactions carried out under the Service Agreement and this Agreement. 

  

	 	1.10	 If any operation or decision of the OpCo is subject to the approval by any Principal, in the capacity of
shareholder, without prior written consent of the board of directors of the Proxy, any Principal shall not resolve on any approval. 

  

	 	1.11	 Without prior written consent of the Proxy, any Principal shall not enter into any contract or agreement
binding upon the OpCo or take any action increasing the obligation of the OpCo or in breach of this Agreement. 

  
 3 

	 	1.12	 The Proxy may, by giving written notice to all Principals and the OpCo, assign the powers and rights granted to
it under Article 1.1 to any individual or entity (including but not limited to the senior management of the Proxy) without consent of any Principal or the OpCo. Once a Principal receives the written notice from the Proxy and if it is necessary, the
Principal shall issue power of attorney to the individual or entity as designated in the written notice and grant the corresponding powers and rights thereto. The OpCo shall render all necessary assistance referred to hereunder to the individual or
entity. However, the Proxy may give written notice to all Principals and the OpCo to withdraw the power of attorney granted to the individual or entity. Once a Principal receives the written notice from the Proxy, the Principal shall immediately
withdraw the power of attorney granted to the individual or entity as per the written notice and the OpCo shall immediately cease rendering any relevant assistance. 

 

	 	1.13	 During the term of this Agreement, each Principal hereby waives all the powers and rights associated with the
Shares, which have been granted to Proxy hereunder, and shall not exercise such powers and rights on its own. 

  

	 	1.14	 In the event of a Principal’s disqualification, incapacitation or any other circumstances which could
affect such Principal’s holding of the OpCo’s Shares, the successor of such Principal shall inherit any and all of such Principal’s rights and obligations under this Agreement as if such successor was a signing party to this
Agreement. So long as a Principal or its successor(s) is/are an equity holder of, or has control over, the OpCo, this Agreement shall be irrevocably and continuously valid and effective from the date of its execution, unless the Proxy otherwise
advises in writing. 

  

	2.	 Representations and Warranties 

Each Principal and the OpCo respectively represents and warrants to the Proxy that 

 

	 	(a)	 it has all the powers and capacities to enter into this Agreement and perform all the obligations and duties
hereunder; 

  

	 	(b)	 its performance of the obligations and duties hereunder is legal, valid, binding and enforceable pursuant to
the terms thereof; 

  

	 	(c)	 carry out and satisfy all actions, conditions and events that shall be carried out, satisfied or implemented
(including obtaining all necessary consents, approvals and authorisations, if required by law) so that 

  

	 	(i)	 it may legally enter into this Agreement, exercise its rights hereunder, and perform and comply with its
obligations and duties hereunder; 

  

	 	(ii)	 it can ensure its obligations and duties hereunder are legal, valid and binding; and 

 

	 	(iii)	 this Agreement becomes admissible evidence under the applicable laws. 

 

	 	(d)	 its entering into of this Agreement, exercise of the rights hereunder, and performance and compliance of the
obligations and duties hereunder neither breach or contravene any of the following or exceed any powers or restrictions granted or imposed by any of the following: 

 

	 	(i)	 any laws, ordinances, regulations, or rules, any judgments, orders or arbitrations, or any consents, approvals
or authorisations that it shall comply with; or 

  

	 	(ii)	 its articles of association or any provision of any other applicable document or constitutional document; or

  

	 	(iii)	 any provision in any agreement or document to which it is a party or by which any of its assets is bound.

  
 4 

	 	(e)	 it has obtained all the approvals and authorisations from any government or other organisations (if so required
by law) or any of its proxys that are necessary for the entering into and execution and the validity of this Agreement, and all the approvals and authorisations are fully effective. 

 

	3.	 Indemnification 

 

	 	3.1	 If a Party hereto fails to perform any of its obligations hereunder, or if any of its representations or
warranties hereunder is untrue or inaccurate, the Party has breached this Agreement, and it shall continue the performance of its obligations hereunder and compensate the other Parties all the losses incurred thereby. 

 

	 	3.2	 For avoidance of doubt, each Principal and the OpCo jointly and severally undertake and agree that if either a
Principal or the OpCo actively terminates this Agreement (“Material Breach”) and refuses to continue the performance hereof, the Proxy may claim against any Principal and/or the OpCo for liquidated damages of the RMB
equivalent of USD10,000,000. If the losses actually incurred in the Material Breach exceed the liquidated damages, the Proxy may claim for the damages for the actual losses. The liquidated damages and the compensation for losses incurred in the
Material Breach do not prejudice the Proxy to obtain other remedies available to it under laws or relevant agreements, including but not limited to that each Principal and the OpCo shall immediately continue the performance of its obligations,
duties or representations and warranties hereunder. 

  

	 	3.3	 If any Principal ceases holding any Shares in the OpCo (“Exit”), from the date of the
Exit and without any prejudice to the entrustment made hereunder before the Exit, the Principal shall no longer be subject to any obligations or duties hereunder. 

 

	 	3.4	 For purpose of this Article, “active termination” means wilful termination for reasons attributed to
a Party (excluding any requirements in laws, regulations, department rules and regulatory documents, any requirements by government agencies, or breaches by other Parties). 

 

	4.	 Waiver; Accumulative Remedies 

 

	 	4.1	 Any Party may waive the terms and conditions of this Agreement, provided that such a waiver must be provided in
writing and shall require the signatures of the Parties. No waiver by any Party in certain circumstances with respect to a breach by other Parties shall operate as a waiver by such a Party with respect to any similar breach in other circumstances.

  

	 	4.2	 No single or partial exercise of any right or remedy under this Agreement will preclude or restrict the further
exercise of any such right or remedy. The rights and remedies of each Party provided in this Agreement are cumulative and not exclusive of any rights and remedies provided by law. 

 

	5.	 Severability 

In the event that one or several of the provisions of this Agreement are found to be invalid, illegal or unenforceable in any aspect in
accordance with any laws or regulations, the validity, legality or enforceability of the remaining provisions of this Agreement shall not be affected or compromised in any respect. The Parties shall strive in good faith to replace such invalid,
illegal or unenforceable provisions with effective provisions that accomplish to the greatest extent permitted by law and the intentions of the Parties, and the economic effect of such effective provisions shall be as close as possible to the
economic effect of those invalid, illegal or unenforceable provisions. 

  
 5 

	6.	 Term of Proxy 

The term of authorization of the powers and rights to the Proxy hereunder shall be consistent with that of the Exclusive Business Cooperation
Agreement executed between the Proxy and OpCo. 
  

	7.	 Notices 

 

	 	7.1	 All notices and other communications required or permitted to be given pursuant to this Agreement shall be
delivered personally or sent by registered mail, postage prepaid, by a commercial courier service or by facsimile transmission to the address of such Party set forth below. A confirmation copy of each notice shall also be sent by email. The dates on
which notices shall be deemed to have been effectively given shall be determined as follows: 

  

	 	(i)	 Notices given by personal delivery, by courier service or by registered mail, postage prepaid, shall be deemed
effectively given on the date of delivery or refusal at the address specified for notices. 

  

	 	(ii)	 Notices given by facsimile transmission shall be deemed effectively given on the date of successful
transmission (as evidenced by an automatically generated confirmation of transmission). 

  

	 	7.2	 For the purpose of notices, the addresses of the Parties are as follows: 

Proxy: Shanghai Huiyuan Management Consulting Company Limited 

Address: [***] 
 Attn: [***] 

XJTJ: 
 Address:
[***] 
 Attn: [***] 

LZJS: 
 Address: [***]

 Attn: [***] 

SHLB: 
 Address:
[***] 
 Attn: [***] 

PAFT: 
 Address: [***]

 Attn: [***] 
 OpCo:
Shanghai Xiongguo Corporation Management Co., Ltd 
 Address: [***] 

Attn: [***] 

  
 6 

	 	7.3	 Any Party may at any time change its address for notices by a notice delivered to the other Parties in
accordance with the terms hereof. 

  

	8.	 Confidentiality 

The Parties acknowledge that any oral or written information exchanged among them with respect to this Agreement is confidential information.
Each Party shall maintain the confidentiality of all such information, and without obtaining the written consent of other Parties, it shall not disclose any relevant information to any third parties, except in the following circumstances:
(a) such information is or will be in the public domain (provided that this is not the result of a public disclosure by the receiving Party); (b) information disclosed as required by applicable laws or rules or regulations of any stock
exchange; or (c) information required to be disclosed by any Party to its legal counsel or financial advisor regarding the transaction contemplated hereunder, and such legal counsel or financial advisor are also bound by confidentiality duties
similar to the duties in this Section. Disclosure of any confidential information by the staff members or agency hired by any Party shall be deemed disclosure of such confidential information by such Party, which Party shall be held liable for
breach of this Agreement. This Section shall survive the termination of this Agreement for any reason. 
  

	9.	 Governing Law, Resolution of Disputes and Change in Laws 

 

	 	9.1	 The execution, effectiveness, construction, performance, amendment and termination of this Agreement and the
resolution of disputes hereunder shall be governed by the laws of China. 

  

	 	9.2	 In the event of any dispute with respect to the construction and performance of the provisions of this
Agreement, the Parties shall negotiate in good faith to resolve the dispute. In the event the Parties fail to reach an agreement on the resolution of such a dispute within 30 days after any Party’s request for resolution of the dispute through
negotiations, any Party may submit the relevant dispute to the China International Economic and Trade Arbitration Commission (“CIETAC”) for arbitration, in accordance with its then-effective arbitration rules. The arbitration
shall be conducted in Shanghai, and the language used during arbitration shall be Chinese. The arbitration ruling shall be final and binding on all Parties. 

  

	 	9.3	 Upon the occurrence of any disputes arising from the construction and performance of this Agreement or during
the pending arbitration of any dispute, except for the matters under dispute, the Parties to this Agreement shall continue to exercise their respective rights under this Agreement and perform their respective obligations under this Agreement.

  

	 	9.4	 In case of promulgation or any change to or in any Chinese law, regulation or rule, or any change to or in the
interpretation or application of the same anytime after execution of this Agreement, the following agreement shall apply: (a) if any Party would enjoy more benefits under any changed or new law than under the relevant law, regulation or rule in
effect at the date of this Agreement, without any material adverse effect upon the other Parties, the Parties shall promptly apply for such benefits brought by the changed or new law. The Parties shall make best efforts to procure the approval of
such application; and (b) if the aforementioned law change or promulgation causes any direct or indirect material adverse effect to either Party, this Agreement shall be implemented in its original terms and conditions. However, the Parties
shall try all lawful means to procure exemption from compliance with such changed or new law provisions. In the event such adverse effect on the economic interest of either Party is unable to be resolved pursuant to this Agreement, the affected
Party may give notice to the other Parties, and the Parties shall hold prompt discussion and make all necessary amendments to this Agreement so as to maintain the economic benefits otherwise enjoyed by the affected Party. 

  
 7 

	 	9.5	 Subject to PRC laws, the arbitration tribunal may award remedies over the shares or land assets of Principal,
injunctive relief (including but not limited to matters of business or compel the transfer of assets) or award the winding-up of Principal. Any party shall have the right to apply for enforcement of
arbitration awards to the court with jurisdiction after the arbitration awards come into force. Subject to PRC laws, the courts of Hong Kong and China also have jurisdiction for the enforcement of the arbitration awards and the interim remedies
against the shares or land assets of Principal. 

  

	10.	 Assignment 

 

	 	10.1	 Without Proxy’s prior written consent, each Principal or the OpCo shall not assign its rights and
obligations under this Agreement to any third party. 

  

	 	10.2	 Each Principal and OpCo agree that Proxy may assign its obligations and rights under this Agreement to any
third party upon a prior written notice to all Principals and OpCo but without the consent of any Principal or OpCo. 

  

	11.	 Amendment, change and supplement 

 

	 	11.1	 Any amendment, change and supplement to this Agreement shall require the execution of a written agreement by
all of the Parties. 

  

	 	11.2	 If The Stock Exchange of Hong Kong Limited (“SEHK”) or any other relevant regulatory
authority or stock exchange requests any amendment to this Agreement or if there is any change to the Rules Governing the Listing of Securities on the SEHK or any other relevant stock exchange rules that is relevant to the terms of this Agreement,
the Parties shall make corresponding changes to the terms of this Agreement. 

  

	12.	 Survival 

 

	 	12.1	 Any obligations that occur or that are due as a result of this Agreement upon the expiration or early
termination of this Agreement shall survive the expiration or early termination thereof. 

  

	 	12.2	 The provisions of Sections 7, 9 and this Section 12 shall survive the termination of this Agreement.

  

	13.	 Miscellaneous 

 

	 	13.1	 This Agreement is written in both Chinese and English language in six copies, each Party having one copy and
Proxy keeping the remaining copies with equal legal validity; in case there is any conflict between the Chinese version and the English version, the Chinese version shall prevail. 

 

	 	13.2	 This Agreement is binding on the legitimate assigns and successors of all Parties. 

 

	 	13.3	 Except for the amendments, supplements or changes in writing executed after the execution of this Agreement,
this Agreement shall constitute the entire agreement reached by and among the Parties hereto with respect to the subject matter hereof, and shall supersede all prior oral and written consultations, representations and contracts reached with respect
to the subject matter of this Agreement. 

 [The space below is intentionally left blank.] 

  
 8 

 IN WITNESS WHEREOF, the Parties have caused their authorized representatives to execute this Voting Trust
Agreement as of the date first above written, 
 Proxy:   Shanghai Huiyuan Management Consulting Company Limited 

 

			
	By:	 	 /s/ Gibb Gregory Dean

	Name:	 	Gibb Gregory Dean
	Title:	 	Legal Representative

  
 SIGNATURE PAGE TO VOTING
TRUST AGREEMENT 

 IN WITNESS WHEREOF, the Parties have caused their authorized representatives to execute this Voting Trust
Agreement as of the date first above written. 
 Principals: 
  

									
	Xinjiang Tongjun Equity Investment Limited Partnership	 		 	Shenzhen Ping An Financial Technology Consulting Co., Ltd
					
	By:	 	 /s/ Shi Liang Xun
	 		 	By:	 	 /s/ Zhou Ting Yuan

	Name:	 	Shi Liang Xun	 		 	Name:	 	Zhou Ting Yuan
	Title:	 	Authorized Representative	 		 	Title:	 	Legal Representative
				
	Linzhi Jinsheng Investment Management Limited Partnership	 		 		 	
					
	By:	 	 /s/ Yang Xue Lian
	 		 		 	
	Name:	 	Yang Xue Lian	 		 		 	
	Title:	 	Authorized Representative	 		 		 	
				
	Shanghai Lanbang Investment Limited Liability Company	 		 		 	
					
	By:	 	 /s/ Shi Jing Kui
	 		 		 	
	Name:	 	Shi Jing Kui	 		 		 	
	Title:	 	Legal Representative	 		 		 	

  
 SIGNATURE PAGE TO VOTING
TRUST AGREEMENT 

 IN WITNESS WHEREOF, the Parties have caused their authorized representatives to execute this Voting Trust
Agreement as of the date first above written. 
 OpCo: Shanghai Xiongguo Corporation Management Co., Ltd. 

 

			
	By:	 	 /s/ Gibb Gregory Dean

	Name:	 	Gibb Gregory Dean
	Title:	 	Legal Representative

  
 SIGNATURE PAGE TO VOTING
TRUST AGREEMENT

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