Document:

EX-4.8

 Exhibit 4.8 

Exclusive Business Cooperation Agreement 

This Exclusive Business Cooperation Agreement (hereinafter referred to as the “Agreement”) is entered into by and between the following
Parties in Beijing, China on September 25, 2019. 
 Party A: Pintec (Beijing) Technology Co., Ltd. 

Party B: Pintec Jinke (Beijing) Information Technology Co., Ltd. 

Party A and Party B are hereinafter referred to individually as a “Party” and collectively as the “Parties”. 

WHEREAS: 
  

	1.	 Party A is a wholly foreign-owned enterprise registered in the People’s Republic of China (hereinafter
referred to as “China”) and has the necessary resources to provide technical business services and business consulting services; 

  

	2.	 Party B is a domestic company registered in China, which, with the approval of relevant government authorities
in China, can be engaged in such business as technology development, technology transfer, technology promotion, technical services, and technical consultation; computer system services. (Enterprises can independently choose business projects and
carry out business activities in accordance with law; projects subject to approval by law shall be conducted business activities in compliance with the approved contents after approval by relevant departments; enterprises are not allowed to engage
in business activities of the projects that are prohibited and restricted by industrial policies in the city.) (hereinafter referred to as the “Business Scope”); 

 

	3.	 Party A agrees to make use of its advantages in manpower, technology and information to provide Party B with
exclusive technical, business support, business consulting and other services within the Business Scope of Party B by Party A or its designee during the term of this Agreement, and Party B agrees to accept such exclusive services provided by Party A
or its designee in accordance with the terms of this Agreement. 

 NOW, THEREFOR, Party A and Party B reach the following agreement
through consultation: 
  

	1.	 Provision of Services by Party A 

 

	 	1.1	 Pursuant to the terms and conditions of this Agreement, Party B hereby appoints Party A as its exclusive
service provider to provide Party B with comprehensive business support, technical services and consulting services during the term of this Agreement, specifically including all services determined by Party A from time to time within the Business
Scope of Party B, including but not limited to the following: technical services, network support, business consulting, license of intellectual property, leasing of equipment or office space, market consulting, system integration, product
development and system maintenance. 

  
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	 	1.2	 Party B agrees to accept the consultation and services provided by Party A. Party B further agrees that, except
with the prior written consent of Party A, Party B shall not accept any consultation and/or service provided by any third party and shall not cooperate with any third party in respect of the matters specified in this Agreement during the term of
this Agreement. Party A may designate any other party (such designated party may sign the agreements specified in Article 1.3 hereof with Party B) to provide Party B with the consultation and/or services under this Agreement. For the avoidance of
doubt, no provision of this Agreement shall prevent Party A in any way from providing consultation and services to a third party, and it is not required to notify Party B or obtain Party B’s consent for Party A’s provision of any
consultation and services to a third party. 

  

	 	1.3	 Ways of Providing Services 

 

	 	1.3.1	 Party A and Party B agree that during the term of this Agreement, the Parties may directly or indirectly
through their respective affiliates sign other technical service agreements and consulting service agreements to agree on the specific content, method, personnel and fees of specific technical services and consulting services. 

 

	 	1.3.2	 For the purpose of performing this Agreement, Party A and Party B agree that during the term of this Agreement,
the Parties may directly or indirectly through their respective affiliates sign a license agreement for intellectual property rights (including but not limited to: copyright, software, trademark, patent, patent application, know-how, trade secret and others), which shall allow Party B to use the relevant intellectual property rights of Party A/Party A’s designated party based on the business needs of Party B pursuant to the
specific provisions thereof. 

  

	 	1.3.3	 For the purpose of performing this Agreement, Party A and Party B agree that during the term of this Agreement,
the Parties may directly or indirectly through their respective affiliates sign an equipment or plant leasing agreement, which shall allow Party B to use Party A’s relevant equipment or plant at any time based on Party B’s business needs.

  

	 	1.3.4	 For the avoidance of doubt, Party A has the absolute discretion to decide on whether to provide the
consultation or services by itself or by its designated party, on whether or not to provide the consultation or services, and on the type, content, time, method and times of providing specific consultation or services. No failure of Party A to
provide all consultation or services under Articles 1.3.1 to 1.3.3 shall constitute a breach of contract of Party A. 

  
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	2.	 Calculation and Payment Method of Service Fee 

 

	 	2.1	 The Parties agree that Party A shall issue a bill to Party B on a quarterly basis according to the workload and
commercial value of the technical services provided by it to Party B and pursuant to the price agreed by both Parties, and Party B shall pay the corresponding consulting service fee and other service fees to Party A or Party A’s designated
party according to the date and amount specified in the bill. Party A has the right to adjust the standard of consulting service fee according to the quantity and content of the consulting service provided by it to Party B at any time, and the
aforesaid adjustment shall take effect upon written notice to Party B. 

  

	 	2.2	 Within fifteen (15) days after the end of each fiscal year, Party B shall provide Party A with the
financial statements of that year and all the business records, business contracts and financial data required for the issuance of the financial statements. If Party A questions the financial information provided by Party B, it may appoint an
independent accountant with good reputation to audit the relevant information, for which Party B shall cooperate. 

  

	3.	 Intellectual Property Rights and Confidentiality 

 

	 	3.1	 Party A shall have the exclusive and proprietary rights and interests in and to all rights, ownership,
interests and intellectual property rights generated or created by the performance of this Agreement, including but not limited to copyright, patent, patent application, trademark, software, know-how, trade
secret and others, whether developed by Party A or Party B. No license granted by Party A or the designated party of Party A to Party B to use the intellectual property rights shall be deemed as granting the ownership of the intellectual property
rights to Party B, and the intellectual property rights developed by Party B based on Party A’s consultation or services shall belong to Party A. 

  

	 	3.2	 The Parties acknowledge that any oral or written information exchanged by them in connection with this
Agreement is confidential. Each Party shall keep all such information confidential and shall not disclose any relevant information to any third party without the written consent of the other Party, except those (a) which enters or will enter
the public domain not due to the disclosure made by one of the receiving parties to the public; (b) which is required to be disclosed by the applicable law or the rules or requirements of any stock exchange; or (c) which is required to be
disclosed by either Party to its legal or financial advisers in connection with the transactions contemplated by this Agreement, provided that such legal or financial advisers shall be subject to confidentiality obligations similar to those set
forth in this Article. The disclosure of any confidential information by any employee or organization employed by either Party shall be deemed as the disclosure of such confidential information by such Party, and such Party shall be liable for
breach of this Agreement. This Article shall survive, regardless of the termination of this Agreement for any reason. 

  
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	 	3.3	 The Parties agree that this Article shall survive, regardless of whether this Agreement is modified, rescinded
or terminated. 

  

	4.	 Representations and Warranties 

 

	 	4.1	 Party A represents and warrants as follows: 

 

	 	4.1.1	 Party A is a company duly registered and validly existing in accordance with the laws of China.

  

	 	4.1.2	 The execution and performance of this Agreement by Party A is within the scope of its legal personality and
business operation; and Party A has taken all necessary corporate actions, has been duly authorized and has obtained the consent and approval of the third party and government agencies, and has not violated any law or other restrictions binding upon
or affecting Party A. 

  

	 	4.1.3	 This Agreement constitutes Party A’s legal, valid and binding obligations, which can be enforced against
Party A in accordance with the terms of this Agreement. 

  

	 	4.2	 Party B represents and warrants as follows: 

 

	 	4.2.1	 Party B is a company duly registered and validly existing in accordance with the laws of China, which, with the
approval of relevant government authorities in China, can be engaged in such business as technology development, technology transfer, technology promotion, technical services, and technical consultation; computer system services. (Enterprises can
independently choose business projects and carry out business activities in accordance with law; projects subject to approval by law shall be conducted business activities in compliance with the approved contents after approval by relevant
departments; enterprises are not allowed to engage in business activities of the projects that are prohibited and restricted by industrial policies in the city.) 

 

	 	4.2.2	 The execution and performance of this Agreement by Party B is within the scope of its legal personality and
business operation; and Party B has taken all necessary corporate actions, has been duly authorized and has obtained the consent and approval of the third party and government agencies, and has not violated any law or other restrictions binding upon
or affecting Party B. 

  

	 	4.2.3	 This Agreement constitutes Party B’s legal, valid and binding obligations, which can be enforced against
Party B in accordance with the terms of this Agreement. 

  

	5.	 Effectiveness and Term 

 

	 	5.1	 This Agreement is entered into on the date first mentioned above and shall take effect as from that date.
Unless terminated in advance in accordance with this Agreement or other agreements signed by both Parties, this Agreement shall be valid for 10 years. Upon the execution of this Agreement, both Parties shall review this Agreement every three months
to decide whether to modify or supplement the provisions of this Agreement based on the actual situation at that time. 

  
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	 	5.2	 Prior to the expiration of this Agreement, the term of this Agreement can be extended upon the written
confirmation of Party A. If Party A chooses to extend the term, the extended term shall be decided by Party A, and Party B shall unconditionally accept such extended term. 

 

	6.	 Termination 

 

	 	6.1	 Unless renewed in accordance with the relevant provisions of this Agreement, this Agreement shall terminate on
the expiration date. 

  

	 	6.2	 During the term of this Agreement, unless Party A has serious negligence or fraud against Party B, Party B
shall not terminate this Agreement prior to the expiration date. However, Party A shall have the right to terminate this Agreement at any time by giving 30 days’ written notice to Party B. 

 

	 	6.3	 Upon the termination of this Agreement, the rights and obligations of both Parties under Articles 3, 7 and 8
shall survive. 

  

	7.	 Applicable Law and Dispute Resolution 

 

	 	7.1	 The execution, effectiveness, interpretation, performance, modification and termination of this Agreement and
the resolution of disputes under this Agreement shall be governed by the laws of China. 

  

	 	7.2	 Where any dispute arises from the interpretation and performance of the provisions of this Agreement, both
Parties shall negotiate in good faith to resolve the dispute. If the Parties fail to resolve such dispute within 30 days after any Party’s request to the other Party for resolving the dispute through negotiation, any Party may submit the
dispute to China International Economic and Trade Arbitration Commission for arbitration in accordance with its arbitration rules then in effect. The arbitration shall be conducted in Beijing, and the language to be used in the arbitration shall be
Chinese. The arbitration award shall be final and be binding on both Parties. 

  

	 	7.3	 Where any dispute arises from the interpretation and performance of the provisions of this Agreement or any
dispute is under arbitration, except for the disputed matter(s), both Parties hereof shall continue to exercise their respective rights and perform their respective obligations under this Agreement. 

  
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	8.	 Indemnification 

Party B shall indemnify Party A and hold Party A harmless from any loss, damage, liability or expense suffered or incurred by Party A due to
any lawsuit, claim or other demand against Party A arising from the consultation and services provided by Party A at Party B’s request, unless such loss, damage, liability or expense is caused by Party A’s gross negligence or intentional
misconduct. 
  

	9.	 Notice 

 

	 	9.1	 All notices and other communications required or permitted to be given under this Agreement shall be delivered
by hand or sent by prepaid registered mail, by commercial express service or by fax to the contact address of the receiving Party. A further confirmation shall be sent by email for each notice. The date on which such notice shall be deemed to have
been duly served shall be determined as follows: 

  

	 	9.1.1	 if the notice is delivered by hand or sent by express service or by prepaid registered mail, it shall be deemed
to have been duly served on the date of delivery or rejection at the designated receiving address of the notice; and 

  

	 	9.1.2	 if the notice is sent by fax, it shall be deemed to have been duly served on the date of successful
transmission (evidenced by the automatically generated transmission confirmation information). 

  

	 	9.2	 Either party may change its address for receiving notice at any time by sending a notice to the other Party
pursuant to the provisions of this Article. 

  

	10.	 Transfer 

 

	 	10.1	 Without the prior written consent of Party A, Party B shall not transfer its rights and obligations under this
Agreement to any third party. 

  

	 	10.2	 Party B agrees that Party A may, by giving a prior written notice to Party B, transfer its rights and
obligations under this Agreement to any third party without Party B’s consent. 

  

	11.	 Severability 

If one or more provisions of this Agreement are found to be invalid, illegal or unenforceable in any respect under any law or regulation, the
validity, legality or enforceability of the remaining provisions of this Agreement shall not be affected or impaired in any respect. The Parties shall negotiate in good faith to replace the invalid, illegal or unenforceable provisions with the
effective provisions permitted by law and to the maximum extent expected by both Parties, of which the economic effect shall be similar to that of such invalid, illegal or unenforceable provisions as far as possible. 

  
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	12.	 Amendment and Supplement 

Any amendment and supplement to this Agreement shall be made in writing. Any amendment agreement and supplementary agreement related to this
Agreement signed by both Parties shall be an integral part of this Agreement and shall have the same legal effect as this Agreement. 
  

	13.	 Language and Counterparts 

This Agreement shall be written in Chinese and made in duplicate, each Party holds one counterpart, and each counterpart shall have the same
legal effect. 
 —the following is signature page— 

  
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 There is no text on this page, which is the signature page of the Exclusive Business
Cooperation Agreement. 
 Party A: 
  

	
	Pintec (Beijing) Technology Co., Ltd. (Stamp)
	
	/s/ Pintec (Beijing) Technology Co., Ltd.
	
	Legal representative: /s/ WEI
Wei                                

  

	
	Party B:
	
	Pintec Jinke (Beijing) Information Technology Co., Ltd. (Stamp)
	
	/s/ Pintec Jinke (Beijing) Information Technology Co., Ltd.
	
	Legal representative: /s/ CHEN BingqingEX-4.9

 Exhibit 4.9 

Exclusive Option Agreement 
 This
Exclusive Option Agreement (hereinafter referred to as this “Agreement”) was entered into by and among the following parties on September 25, 2019 in Beijing, China: 

 

			
	Party A:  	  	Pintec (Beijing) Technology Co., Ltd.
		
	Party B:	  	Wei Wei, ID card No.: 130202197312090637;
		  	Chen Bingqing, ID card No.: 620122198411210017;
		
	Party C:	  	Pintec Jinke (Beijing) Information Technology Co., Ltd.

 In this Agreement, Party A, Party B, and Party C are individually referred to as a “Party”, and collectively
referred to as the “Parties”. 
 Whereas: Party B collectively hold 100% equity interests in Party C; 

Now therefore, the Parties hereby agree on the following terms and conditions: 
  

	1.	 Purchase and Sale of Shares and Assets 

 

	 	1.1	 Granting rights 

  

	 	1.1.1	 Each of Party B hereby irrevocably grants Party A an irrevocable and exclusive right (“Share Purchase
Option”) to purchase, or designate one or more persons (each, a “Designee of Equity”) to purchase, from any one of Party B all or a part of the equity interests held by Party B in Party C at one or multiple times at any
time to the extent permitted by the laws of the People’s Republic of China (“China”) according to the exercise steps at the sole discretion of Party A and at the Share Purchase Price set forth in Article 1.3 hereof. Except for
Party A and the Designee of Equity, no other person shall be entitled to the Share Purchase Option or other rights related to the equity interests of Party B. Party C hereby agrees to the grant by Party B of the Share Purchase Option to Party A. The
term “person” as used herein shall refer to individuals, corporations, joint ventures, partnerships, enterprises, trusts, or non-corporate organizations. 

 

	 	1.1.2	 Party C hereby irrevocably grants Party A an irrevocable and exclusive right (“Assets Purchase
Option”) to purchase, or designate one or more persons (each, an “Designee of Assets”, together with the Designee of Equity, “Designee”) to purchase, from Party C all or a part of Party C’s assets at
one or multiple times at any time to the extent permitted by the laws of China according to the exercise steps at the sole discretion of Party A and at the Assets Purchase Price set forth in Article 1.3 hereof. Except for Party A and the Designee of
Assets, no other person shall be entitled to the Assets Purchase Option or other rights related to the assets of Party C. Party B agree to the grant by Party C of the Assets Purchase Option to Party A in accordance with the provisions of this
Agreement. 

  
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	 	1.2	 Steps for Exercise of Share Purchase Option 

Subject to the terms and conditions hereof and to the extent permitted by Chinese laws, Party A has the absolute discretion in deciding the
specific schedule, method, and number of times for exercising its options. 
 Subject to the provisions of the laws and regulations of
China, Party A may exercise its Share Purchase Option or Assets Purchase Option by giving a written notice to Party B (“Purchase Notice”), specifying: (a) Party A’s decision to exercise the Share Purchase Option or Assets
Purchase Option; (b) the portion of shares (“Optioned Shares”) to be purchased by Party A from Party B, or the portion of assets (“Optioned Assets”) to be purchased by Party A from Party C; and (c) the date for
purchasing the Optioned Shares or Optioned Assets and/or the date for transfer of the Optioned Shares or Optioned Assets. 
 Subject to the
provisions of the laws and regulations of China, Party A may exercise its Assets Purchase Option by giving a written notice to Party C (“Assets Purchase Notice”), specifying: (a) Party A’s decision to exercise the Assets
Purchase Option; (b) the specific assets (“Optioned Assets”) to be purchased by Party A from Party C; and (c) the date for delivery of the Optioned Assets and/or the date for transfer of the Optioned Assets. 

When exercising its Share Purchase Option or Assets Purchase Option, Party A may accept by itself the Optioned Shares or Optioned Assets, or
designate the Designee to receive the Optioned Shares or Optioned Assets in whole or in part. 
  

	 	1.3	 Share Purchase Price and Assets Purchase Price 

 

	 	1.3.1	 With respect to the Optioned Shares, unless an appraisal is required by Chinese laws or regulations when Party
A exercises the option, the purchase price of the Optioned Shares (“Share Purchase Price”) shall be RMB one Yuan (RMB 1.00); if the minimum price then permitted by Chinese laws is greater than the price above, the purchase price
shall be the minimum price permitted by the laws. If Party B receive a transfer price exceeding RMB one Yuan (RMB 1.00) for the Optioned Shares held by Party B, or receive profit distribution, capital bonuses, dividends, or dividend distribution in
any form made by Party C, Party B acknowledge that, subject to Chinese laws, Party A is entitled to the portion of interests exceeding RMB one Yuan (RMB 1.00). Party B shall instruct the relevant transferee or Party C to pay such portion of
interests to the bank account then designated by Party A. 

  
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	 	1.3.2	 With respect to the Assets Purchase Option, each time Party A exercises its option, the purchase price of the
Optioned Assets (“Assets Purchase Price”) shall be the net book value of the Optioned Assets; provided, however, that if the minimum price then permitted by Chinese laws is greater than the net book value above, the transfer price
shall be the minimum price permitted by Chinese laws. 

  

	 	1.4	 Transfer of the Optioned Shares and Optioned Assets 

Each time Party A exercises the Share Purchase Option or Assets Purchase Option: 

 

	 	1.4.1	 Party B and Party C shall cause Party C to promptly convene a shareholders’ meeting and/or board meeting
(as applicable), at which a resolution shall be adopted approving Party B to transfer the equity interests to Party A and/or the Designee of Equity or approving Party C to transfer the assets to Party A and/or the Designee of Assets;

  

	 	1.4.2	 Party B or Party C (as applicable) shall execute a Share Transfer Agreement or Assets Transfer Agreement
(collectively, “Transfer Agreement”) with respect to each transfer with Party A and/or the Designee (as applicable) in accordance with the provisions of this Agreement and the corresponding Purchase Notice; 

 

	 	1.4.3	 The relevant parties shall execute all other necessary contracts, agreements, or documents, obtain all
necessary government licenses and permits, and take all necessary actions to transfer the valid ownership of the Optioned Shares or Optioned Assets to Party A and/or the Designee (as applicable) free from any security interests, and cause Party A
and/or the Designee to become the registered owner of the Optioned Shares or Optioned Assets (if necessary). For the purpose of this article and this Agreement, “Security Interests” include guarantee, mortgage, pledge, lien, claim,
third-party rights or interests, as well as any share option, acquisition right, right of first refusal, set-off right, ownership retention, or other security arrangement, but for clarity, do not include any
security interests creating under this Agreement or Party B’ Share Pledge Agreement. The “Party B’ Share Pledge Agreement” as used in this article and this Agreement refers to the Share Pledge Agreement executed among
Party A, Party B, and Party C as of the date of this Agreement; under Party B’ Share Pledge Agreement, Party B pledge all the equity interests they held in Party C to Party A, so as to guarantee the obligations of Party B hereunder and
guarantee Party C’ performance of its obligations under the Exclusive Business Cooperation Agreement executed by and between Party C and Party A and the obligations under other related agreements. 

  
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	2.	 Undertakings 

 

	 	2.1	 Undertakings related to Party C 

Party B (as the shareholders of Party C) and Party C hereby undertake that: 

 

	 	2.1.1	 Without the prior written consent of Party A, they shall not in any manner supplement, change, or amend the
articles of association and bylaws of Party C, increase or decrease its registered capital, or otherwise change its structure of registered capital; 

  

	 	2.1.2	 They shall maintain Party C’s corporate existence in accordance with good financial and business standards
and practices by prudently and effectively operating its business and handling its affairs; 

  

	 	2.1.3	 Without the prior written consent of Party A, they shall not at any time following the date hereof, sell,
transfer, mortgage, pledge, or otherwise dispose of any shares, assets, or the legal or beneficial interests in the business or revenues of Party C, or allow the imposition of any security interests thereon; 

 

	 	2.1.4	 Without the prior written consent of Party A, they shall not incur, inherit, guarantee, or allow the existence
of any debts except for (i) debts incurred during the normal business operation instead of borrowing, and (ii) debts that have been disclosed to Party A and agreed by Party A in writing; 

 

	 	2.1.5	 They shall ensure to operate all the businesses of Party C as in normal business operation to maintain the
assets values of Party C, and refrain from any act/omission that may affect Party C’s operating conditions and assets values; 

  

	 	2.1.6	 Without the prior written consent of Party A, they shall not cause Party C to execute any material agreement
except for agreements executed in the normal business operation (for the purpose of this paragraph, an agreement with a value exceeding RMB 100,000 shall be deemed as a material agreement); 

 

	 	2.1.7	 Without the prior written consent of Party A, they shall not cause Party C to provide loans, credits,
guarantee, or assurance to any person; 

  

	 	2.1.8	 At the request of Party A, they shall provide Party A with all the materials with respect to the operating and
financial conditions of Party C; 

  

	 	2.1.9	 If requested by Party A, they shall purchase and maintain insurance covering Party C’s assets and business
from an insurer consented by Party A with the amount and type of coverage matching with the insurance purchased by companies operating similar businesses; 

  
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	 	2.1.10	 Without the prior written consent of Party A, they shall not cause or allow Party C to combine or merge with
any person, to acquire or invest in any person, or to be acquired by or receive investments from any person; 

  

	 	2.1.11	 Without the prior written consent of Party A, they shall not liquidate, dissolve, or deregister Party C;

  

	 	2.1.12	 They shall immediately notify Party A of any actual or possible litigation, arbitration, or administrative
proceedings related to Party C’s assets, business, or revenues; 

  

	 	2.1.13	 They shall execute all necessary or appropriate documents, take all necessary or appropriate actions, and file
all necessary or appropriate claims or raise necessary or appropriate defenses against all claims to maintain Party C’s ownership in all the assets of Party C; 

 

	 	2.1.14	 Without the prior written consent of Party A, they shall ensure that Party C shall not distribute distributable
profits, capital bonuses, or dividends to its shareholders in any manner; provided, however, that once requested by Party A in writing, Party C shall immediately distribute all distributable profits, capital bonuses, or dividends to its
shareholders; 

  

	 	2.1.15	 At the request of Party A, they shall appoint any person designated by Party A as the director or supervisor of
Party C, or other officer appointed and dismissed by Party B; 

  

	 	2.1.16	 They shall promptly inform Party A of any conditions that may cause material adverse effects on the existence,
business operation, financial conditions, assets, or goodwill of Party C, and shall promptly take all measures acceptable to Party A to eliminate such adverse conditions or to take effective remedy measures with respect thereto; and

  

	 	2.1.17	 At the request of Party A at any time, Party C shall immediately and unconditionally transfer the Optioned
Assets to Party A and/or the Designee according to the Assets Purchase Option hereunder. 

  

	 	2.2	 Undertakings of Party B 

Party B hereby undertake that: 
  

	 	2.2.1	 Without the prior written consent of Party A, Party B shall not sell, transfer, mortgage, pledge, or otherwise
dispose of any legal or beneficial interests they held in the equity interests in Party C, or allow the encumbrance thereon of any security interest, except for the pledge imposed on the equity interests in accordance with Party B’ Share Pledge
Agreement; 

  
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	 	2.2.2	 Party B shall cause the shareholders’ meeting and/or board of directors of Party C not to, without the
prior written consent of Party A, grant its approval for selling, transferring, mortgaging, pledging, or otherwise disposing of any legal or beneficial interests held by Party B in the equity interests in Party C, or allowing the encumbrance thereon
of any security interest, except for the pledge imposed on the equity interests in accordance with Party B’ Share Pledge Agreement; 

  

	 	2.2.3	 Party B shall cause the shareholders’ meeting or board of directors of Party C not to, without the prior
written consent of Party A, grant its approval for combining or merging with any person, for acquiring or investing in any person, or for being acquired by or receiving investments from any person; 

 

	 	2.2.4	 Party B shall immediately notify Party A of any actual or possible litigation, arbitration, or administrative
proceedings with respect to Party C’s equity interests or assets owned by Party B; 

  

	 	2.2.5	 Party B shall cause the shareholders’ meeting or board of directors of Party C to vote for their approval
with respect to the transfer of the Optioned Shares or Optioned Assets set forth in this Agreement, and take any and all other acts that may be requested by Party A; 

 

	 	2.2.6	 Party B shall execute all necessary or appropriate documents, take all necessary or appropriate actions, and
file all necessary or appropriate claims or raise necessary or appropriate defenses against all claims to maintain their ownership in the equity interests of Party C; 

 

	 	2.2.7	 At the request of Party A, Party B shall appoint any person designated by Party A as the director of Party C;

  

	 	2.2.8	 At the request of Party A at any time, Party B shall immediately and unconditionally transfer all the equity
interests they held in Party C to Party A and/or the Designee of Equity according to the Share Purchase Option hereunder, and Party B hereby waive their right of first refusal (if any) over the transfer of shares made by other shareholders of Party
C; and 

  

	 	2.2.9	 Party B shall strictly abide by the provisions of this Agreement and other agreements executed by Party B and
Party C jointly or severally with Party A, perform the obligations under this Agreement and other agreements, and refrain from any act/omission that may affect the validity and enforceability thereof. If Party B have any residual right over the
equity interest under this Agreement, under Party B’ Share Pledge Agreement executed by the Parties hereto, or under the Power of Attorney granted with Party A as the beneficiary, Party B shall not exercise such right unless instructed by Party
A in writing. 

  
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	3.	 Representations and Warranties 

Party B and Party C hereby jointly and severally represent and warrant to Party A as of the execution date hereof and each date of transfer of
the Optioned Shares or Optioned Assets: 
  

	 	3.1	 They have the full and independent legal status and legal capacity to execute, deliver, and perform this
Agreement, and may sue or be sued as an independent party. Moreover, they have the authority to execute and deliver this Agreement and any Transfer Agreement, and perform their obligations under this Agreement and any Transfer Agreement. Party B and
Party C agree to execute the Transfer Agreement consistent with the terms hereof when Party A or the Designee exercises the Share Purchase Option or Assets Purchase Option. This Agreement and the Transfer Agreement to which they are a party
constitute or will constitute their lawful, valid, and binding obligations, and shall be enforceable against them in accordance with the provisions thereof; 

  

	 	3.2	 The execution and delivery of and the obligations under this Agreement or any Transfer Agreement will not:
(i) result in any violation of any applicable laws of China; (ii) conflict with the articles of association, bylaws, or other organizational documents of Party C; (iii) result in violation of any agreement or document to which they
are parties or which are binding upon them, or constitute any breach under any agreement or document to which they are parties or which are binding upon them; (iv) result in any violation of any conditions for the granting and/or continuous
validity of any license or permit granted to any of them; or (v) result in suspension or revocation of or imposition of additional conditions on any license or permit granted to any of them; 

 

	 	3.3	 Party B have good and marketable title to the shares they held in Party C. Party B have not placed any security
interests on such shares except for those specified in Party B’ Share Pledge Agreement; 

  

	 	3.4	 Party C has good and marketable title to all its assets, and has not placed any security interest on such
assets; 

  

	 	3.5	 Party C has no outstanding debts except for (i) debts incurred during its normal business operation, and
(ii) debts that have been disclosed to Party A and agreed by Party A in writing; 

  
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	 	3.6	 There are no pending or threatened litigation, arbitration, or administrative proceedings related to the equity
interests held in Party C, to Party C’s assets, or to Party C; 

  

	 	3.7	 Except for the share pledge registration with the administration for industry and commerce in accordance with
the provisions of Party B’ Share Pledge Agreement, the execution and performance of this Agreement and the granting or exercise of the Share Purchase Option or Assets Purchase Option under this Agreement are not subject to the consent,
approval, waiver, or authorization of any third party, or the approval, permit, or exempt of any government authority, or the registration or filing formalities with any government authority. 

 

	4.	 Effective Date 

This Agreement shall become effective on the date hereof, and remain effective for a term of 10 years, and may be renewed at Party A’s
election. If Party A elects to renew this Agreement, the renewed validity period shall be decided by Party A, and Party B and Party C shall unconditionally accept such renewal and renewed validity period. 

 

	5.	 Applicable Laws and Dispute Resolution 

 

	 	5.1	 Applicable Laws 

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

	 	5.2	 Method of Dispute Resolution 

In the event of any dispute arising from the construction and performance of this Agreement, the Parties shall first resolve such dispute
through friendly negotiation. If the Parties fail to reach an agreement in resolving such dispute within 30 days after any Party’s request to the other Parties for resolution of the dispute through negotiation, any Party may submit the relevant
dispute to China International Economic and Trade Arbitration Commission for arbitration in accordance with its arbitration rules then in effect. The arbitration shall be conducted in Beijing, and the language to be used in the arbitration shall be
Chinese. The arbitration award shall be final and be binding on all Parties. 
  

	6.	 Taxes and Expenses 

Each Party shall, in accordance with the laws of China, pay any and all transfer and registration taxes, expenditures, and expenses incurred by
or imposed on such Party with respect to the preparation and execution of this Agreement and the Transfer Agreement and the consummation of the transaction contemplated under this Agreement and the Transfer Agreement. 

  
 8 

 Notwithstanding any provisions to the contrary, if a tax authority adjusts the tax base on
the ground that the Share Purchase Price or Assets Purchase Price is not a reasonable transfer price, the additional taxes shall be borne by Party B (applicable when Party A exercises the Share Purchase Option) or Party C (applicable when Party A
exercises the Assets Purchase Option). 
  

	7.	 Notice 

 

	 	7.1	 All notices and other communications required or permitted to be given in accordance with this Agreement shall
be delivered personally or sent by registered mail, postage prepaid, by commercial courier service, or by facsimile transmission, to the contact address of a Party. With respect to each notice, one confirmation copy shall be sent via email. The date
on which such notice is deemed as being effectively delivered shall be determined as follows: 

  

	 	7.1.1	 Notices given by personal delivery, by courier service or by registered mail, postage prepaid, shall be deemed
effectively delivered on the date of receipt or refusal at the designated receiving address. 

  

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

  

	 	7.2	 Any Party may change its notice receiving address at any time by sending a notice to other Parties as provided
in this article. 

  

	8.	 Confidentiality Obligations 

Each Party acknowledges that, any oral or written information exchanged among them with respect to this Agreement shall be confidential
information. Each Party shall keep the confidentiality of all such information, and shall not disclose any of the relevant information to any third party prior to the written consent of other Parties, except for the following cases: (a) the
public is or will be aware of such information (other than being disclosed to the public by the Party receiving such information); (b) the information is required to be disclosed under applicable laws or the rules or regulations of any securities
exchange; or (c) any Party needs to disclose the information to its legal or financial advisors with respect to the transaction contemplated under this Agreement; provided, however, that such legal or financial advisors shall also comply with
the confidentiality obligations similar to this Article. The disclosure of any confidential information made by the staff or institution engaged by any Party shall be deemed as the disclosure of such confidential information made by such Party, and
such Party shall be held liable for violation of this Agreement. This article shall survive the termination of this Agreement for any reason. 

  
 9 

	9.	 Further Warranties 

The Parties agree to: promptly enter into the documents that are reasonably necessary for or favorable to the performance of the provisions and
the objective of this Agreement, and take further measures that are reasonably necessary for or favorable to the performance of the provisions and the objective of this Agreement. 

 

	10.	 Miscellaneous 

 

	 	10.1	 Amendment, Modification, and Supplement 

Any amendment, modification, and supplement made to this Agreement shall be subject to a written agreement executed by the Parties. 

 

	 	10.2	 Entire Agreement 

Except for the amendment, supplement, or modification made in writing after the execution of this Agreement, this Agreement shall constitute
an entire agreement reached by the Parties hereto with respect to the subject matter hereof, and supersede all prior oral and written negotiation, statement, and agreement reached with respect to the subject matter hereof. 

 

	 	10.3	 Headings 

The headings in this Agreement are provided for the ease of reference only, and shall not be used to interpret, clarify, or otherwise affect
the meanings provided in the provisions hereof. 
  

	 	10.4	 Language 

This Agreement is made in Chinese in four (4) originals, each original shall have the same legal force. 

 

	 	10.5	 Severability 

If one or more provisions hereof are held to be invalid, illegal, or unenforceable in any aspect under any laws or regulations, the validity,
legality, or enforceability of the remaining provisions hereof shall not be affected or compromised in any aspect. The Parties shall strive in good faith to replace such invalid, illegal, or unenforceable provisions with valid 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.

  
 10 

	 	10.6	 Assignment 

Without the prior written consent of Party A, other Parties shall not assign any rights and/or obligations hereunder to any third party. Party
B and Party C agree that, without their consent, Party A has the right to unilaterally assign any of its rights/obligations hereunder to any third party; provided, however, that other Parties shall be notified in writing. 

 

	 	10.7	 Successor 

This Agreement shall be binding on and inure to the interest of the respective successors of the Parties and the permitted assignees of such
Parties. 
  

	 	10.8	 Survival 

  

	 	10.8.1	 Any obligations that occur or that are due as a result of this Agreement prior to the expiration or early
termination of this Agreement shall survive the expiration or early termination of this Agreement. 

  

	 	10.8.2	 The provisions of Article 5, Article 7, Article 8, and this Article 10 shall survive the termination of this
Agreement. 

  

	 	10.9	 Waiver 

Any Party may waive the terms and conditions hereof; provided, however, that such waiver shall be made in writing and be signed by the
Parties. No waiver made under certain circumstances by any Party with respect to the breach of other Parties shall be deemed as a waiver of such Party with respect to similar breaches under other circumstances. 

- Signature pages below - 

  
 11 

 This page is the signature page to the Exclusive Option Agreement. 

Party A: 
  

	
	Pintec (Beijing) Technology Co., Ltd. (Stamp)
	
	/s/ Pintec (Beijing) Technology Co., Ltd.
	
	Legal representative: /s/ WEI Wei                        

 There is no text on this page, which is the signature page of the Exclusive Option Agreement.

 Party B: 
  

	
	Wei Wei
	
	Signature: /s/ WEI
Wei                                  
	
	Chen Bingqing
	
	Signature: /s/ CHEN Bingqing                        

 This page is the signature page to the Exclusive Option Agreement. 

Party C: 
 Pintec Jinke (Beijing) Information Technology
Co., Ltd. (Stamp) 
 /s/ Pintec Jinke (Beijing) Technology Information Co., Ltd. 

Legal representative: /s/ CHEN
Bingqing

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