Document:

Exhibit 10.8

 

	Daxin Wealth Investment Management (Shanghai) Co., Ltd.	Loan Contract

 

LOAN CONTRACT

 

THIS LOAN CONTRACT (the “Contract”)
is entered into by and between the following parties on this 9th day of March, 2020 in Shanghai, the People’s Republic of China
(hereinafter referred to as the “PRC”, and, for the purpose of this Contract, excluding Hong Kong SAR, Macau SAR and
Taiwan):

 

Lender: Shanghai Santeng Technology Co., Ltd.
(the “WFOE”)

Legal representative: LU Qiaoling

Registered address: Room 121, 14/F, Building No.2,
No.588 Zixing Road, Minhang District, Shanghai

 

Borrower-1: LU Yongxiang

Identification No.: 370206195007272814

 

Borrower-2: LU Qiaoling

Identification No.: 370206198001304022

 

Borrower-3: GUO Yiheng

Identification No.: 320502198307020534

 

In this Contract, Borrower-1, Borrower-2 and Borrower-3
are hereinafter collectively referred to as the “Borrowers” and each a “Borrower”, and the Lender
and the Borrowers are hereinafter collectively referred to as the “Parties” and individually a “Party”.

 

WHEREAS:

 

		1.	Daxin Wealth Investment Management (Shanghai) Co., Ltd. (the “Borrowers’ Company”)
is a limited liability company duly established and validly existing under the PRC laws with a registered capital of RMB 50,000,000. The
Borrower-1 holds 90% equity interest in the Borrowers’ Company, and the Borrower-2 and Borrower-3 respectively hold 5% equity interest
therein. All the equity interests owned by the Borrowers in the Borrowers’ Company at present and in the future are collectively
referred to as the “Borrowers’ Equities”; and

 

		2.	The Lender acknowledges that it agrees to provide the Borrowers with a loan of RMB 200,000 hereunder for
the purpose specified in this Contract.

 

NOW, THEREFORE, upon friendly consultation, the
Parties hereby agree as follows:

 

Article 1 Loan

 

		1.1	In accordance with the terms of this Contract, the Lender and the Borrowers hereby acknowledge that the
Lender is entitled to a creditor’s right of RMB 200,000 against the Borrower (the “Loan”), and please refer to
Exhibit 1 for information regarding the loan owed by each Borrower. The term of the loan commences from the effective date of this Contract
and ends on the day when the Lender exercises its exclusive option in accordance with the Exclusive Option Agreement under Article 1.1.4
of this Contract. In the case of any of the following circumstances, the Loan shall immediately become due, and the Borrowers must repay
the same immediately:

 

		1.1.1	a 30-day period from the Lender’s delivery of the written notice requesting for repayment expires;

 

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	Daxin Wealth Investment Management (Shanghai) Co., Ltd.	Loan Contract

 

		1.1.2	the Borrower is subject to termination, deregistration, liquidation and other circumstances involving
termination of business;

 

		1.1.3	the Borrower commits a crime or is involved in any criminal activity; or

 

		1.1.4	pursuant to the applicable laws of the PRC, foreign investors are permitted to invest in the principle
business that is currently conducted by the Borrowers’ Company in the PRC with a controlling stake or in the form of wholly foreign-owned
enterprises, the relevant competent authorities of China has begun to examine and approve such investments, and the Lender decides to
exercise the exclusive option granted to it under the Exclusive Purchase Option Agreement dated March 9, 2020 among the Lender, the Borrower
and the Borrower Company (the “Exclusive Option Agreement”).

 

		1.2	Without the Lender’s prior approval, the Borrowers shall not transfer this Contract to any other
person.

 

		1.3	The Borrowers agree to accept the foresaid Loan rendered by the Lender and hereby agree and warrant that
the Loan will be used for the purpose consented by the Lender.

 

		1.4	The Lender and the Borrowers hereby unanimously agree and acknowledge that the Borrowers may repay the
Loan in the following manner: after the Lender’s exercise of the Option under Exclusive Option Agreement, the Borrowers shall transfer
all of the Borrowers’ Equities to the Lender or its designated person (legal or natural person), and, to the extent permitted by
applicable laws, use all the proceeds of such transfer to repay the Loan to the Lender in accordance with this Contract and in the manner
designated by the Lender.

 

		1.5	The Lender and the Borrowers hereby unanimously agree and acknowledge that, subject to applicable laws,
the Lender shall have the right but not the obligation to purchase or designate any other person (legal or natural person) to purchase
all or part of the Borrowers’ Equities at the Purchase Price set forth in the Exclusive Option Agreement at any time.

 

		1.6	Where the Borrowers transfer any Borrowers’ Equities owned by them to the Lender or its designated
person, if the transfer price of such equities is equal to or lower than the principal sum of the Loan hereunder, the Loan under this
Contract shall be deemed as an interest-free loan; provided that, if the transfer price of such equities exceeds the principal sum of
the Loan hereunder, the excess portion shall be deemed as the interest of the Loan hereunder and shall be repaid to the Lender by the
Borrowers. The Borrowers shall be deemed to have fully performed their repayment obligations hereunder when the person so designated by
the Lender has acquired all the Borrowers’ Equities (subject to completion of the registration with competent administration for
industry and commerce), and/or the Borrowers have repaid the principal and interests (if applicable) of the Loan to the Lender in full
in accordance with this Contract and the Exclusive Option Agreement.

 

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	Daxin Wealth Investment Management (Shanghai) Co., Ltd.	Loan Contract

 

Article 2  Representations and Warranties

 

		2.1	The Lender hereby makes the following representations and warranties to the Borrowers as of the execution
date hereof:

 

		2.1.1	The Lender is a company duly established and validly existing under the PRC laws;

 

		2.1.2	It has the power to execute and perform this Contract. The Lender’s execution and performance of
this Contract comply with its business scope, articles of association or other organizational documents, and it has obtained all necessary
and appropriate approvals and authorities to execute and perform this Contract; and

 

		2.1.3	Upon execution, this Contract shall constitute the Lender’s legal, valid, and binding obligations
and shall be enforceable against the Lender in accordance with its terms.

 

		2.2	Each of the Borrowers makes the following representations and warranties to the Borrowers as of the execution
date hereof:

 

		2.2.1	He/she is a natural person who have full civil rights and capacity to execute and perform this Contract;

 

		2.2.2	He/she has the power to execute and perform this Contract, his/her execution and performance of this Contract
comply with the articles of association or other organizational documents of the Borrowers’ Company, and he/she has obtained all
necessary and appropriate approvals and authorities to execute and perform this Contract;

 

		2.2.3	Upon execution, this Contract shall constitute his/her legal, valid, and binding obligations and shall
be enforceable against him/her in accordance with its terms; and

 

		2.2.4	There is no pending or threatened dispute, litigation, arbitration, administrative penalty or any other
legal proceeding in connection with the Borrower, which may affect the performance of this Contract.

 

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	Daxin Wealth Investment Management (Shanghai) Co., Ltd.	Loan Contract

 

Article 3  Undertakings of the Borrowers

 

		3.1	The Borrowers, in their capacity of shareholders of the Borrowers’ Company, hereby irrevocably undertake
that, within the valid term of this Contract, they will cause the Borrowers’ Company:

 

		3.1.1	to strictly comply with all the terms of the Exclusive Option Agreement to which the Borrowers’
Company is a party, and to refrain from any action/omission that is sufficient to affect the validity and enforceability of the Exclusive
Option Agreement;

 

		3.1.2	at the request of the Lender or its designated party, to execute contract/agreement in respect of business
cooperation with the Lender or its designated party at any time;

 

		3.1.3	to deliver to the Lender all the information in connection with its operation and financial condition
upon the request of the Lender;

 

		3.1.4	to immediately notify the Lender of any pending or threatened litigation, arbitration or administrative
penalty in connection with its assets, business and revenues; and

 

		3.1.5	to appoint any person designated by the Lender to act as the director of the Borrowers’ Company
upon the Lender’s request.

 

		3.2	The Borrowers undertake that, within the valid term of this Contract, they shall:

 

		3.2.1	make their best efforts to cause the Borrowers’ Company to conduct its principal business, the specific
scope of which shall be subject to the business license;

 

		3.2.2	strictly comply with the provisions of this Contract, the Equity Pledge Agreement (as set forth in Exhibit
2 hereto) (the “Equity Pledge Agreement”) and the Exclusive Option Agreement to which they are a party, and refrain
from any action/omission which is sufficient to affect the validity and enforceability of this Contract, the Equity Pledge Agreement and
the Exclusive Option Agreement;

 

		3.2.3	Except as provided by the Equity Pledge Agreement, or with the prior written consent of the Lender, not
sell, transfer, mortgage or otherwise dispose any legal or beneficial interests in the Borrowers’ Equities, nor allow any other
security interests to be created thereon;

 

		3.2.4	cause the shareholders’ meeting and/or the board of directors of the Borrowers’ Company not
to approve any sale, transfer, mortgage or other disposition of the legal or beneficial interest in the Borrowers’ Equities or the
creation of any other security interest thereon, without the Lender’s prior written consent, except for sale, transfer, mortgage
or other disposition made to the Lender or its designated person;

 

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	Daxin Wealth Investment Management (Shanghai) Co., Ltd.	Loan Contract

 

		3.2.5	cause the shareholders’ meeting and/or the board of directors of the Borrowers’ Company not
to approve the merger or consolidation with any person, or the acquisition of or investment in any person, without the prior written consent
of the Lender;

 

		3.2.6	immediately notify the Lender of any pending or threatened litigation, arbitration or administrative penalty
in connection with the Borrowers’ Equities;

 

		3.2.7	execute all necessary or appropriate documents, take all necessary or appropriate actions, make all necessary
or appropriate claims, and raise necessary and appropriate defenses against all claims, in order to maintain their ownership of the Borrowers’
Equities;

 

		3.2.8	without the Lender’s prior written consent, refrain from any action and/or omission that may have
material effect on the assets, business and liabilities of the Borrowers’ Company;

 

		3.2.9	at the request of the Lender, appoint any persons designated by the Lender as the directors of the Borrowers’
Company;

 

		3.2.10	to the extent permitted by the PRC laws, and at the request of the Lender from time to time, unconditionally
transfer the Borrowers’ Equities to the Lender or its designated representative at any time, and cause other shareholders of the
Borrowers’ Company to waive their right of first refusal in respect of the equity transfer referred in this sub-article;

 

		3.2.11	to the extent permitted by the PRC laws, and upon the Lender’s request at any time, cause other
shareholders’ of the Borrowers’ Company to unconditionally and promptly transfer their equity interests in the Borrowers’
Company to the Lender or its designated representative, and the Borrowers hereby waive their rights of first refusal to the equity transfer
referred in this sub-article;

 

		3.2.12	where the Lender purchases the Borrowers’ Equities from the Borrowers in accordance with the provisions
of the Exclusive Option Agreement, use all such purchase price obtained by the Borrowers to repay the Loan to the Lender; and

 

		3.2.13	without the prior written consent of the Lender, not in any manner supplement, change or amend the articles
of association of the Borrowers’ Company, increase or decrease its registered capital, or otherwise change its capital structure.

 

Article 4  Liability for Breach of Contract

 

		4.1	If the Borrowers commit a material breach of any terms hereunder, the Lender shall have the right to immediately
terminate this Contract by written notice to the Borrowers, and the Borrowers shall indemnify the Lender against all losses arising from
such breach or the early termination of this Contract. The remedy set forth in this Article 4.1 shall be non-exclusive, and shall not
impair or prejudice any other remedies to which the Lender may be entitled under this Contract or applicable laws.

 

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	Daxin Wealth Investment Management (Shanghai) Co., Ltd.	Loan Contract

 

		4.2	Unless otherwise specified by laws, the Borrowers shall in no event have the right to terminate or rescind
this Contract.

 

		4.3	If the Borrower fails to pay any sum pursuant to the schedule specified hereunder, a default interest
shall be calculated thereon at a daily rate of 0.1% until the Borrowers’ full repayment of such sum (including the default interest).

 

Article 5  Notices

 

		5.1	All notices and other communications required or given under this Contract shall be delivered or sent
to the receiving Party by way of personal delivery, registered mail (postage prepaid), commercial courier service or facsimile transmission.
Each notice shall also be served by email. The dates on which such notices shall be deemed to have been effectively given shall be determined
as follows:

 

		5.1.1	Notices given by personal delivery (including express mail service) shall be deemed effectively given
on the day when an acknowledgement of receipt thereof is signed;

 

		5.1.2	Notices given by registered mail (postage prepaid) shall be deemed effectively given on the 15th
day after the date of the return receipt thereof;

 

		5.1.3	Notices given by way of facsimile transmission shall be deemed effectively given on the date of transmission
as shown on the facsimile, provided that, if such facsimile is given after 5 p.m. or on a non-business day at the place of receipt, it
shall be deemed given on the business day immediately following the transmission date shown on such facsimile.

 

Article 6  Confidentiality Obligation

 

		6.1	The Parties acknowledge and confirm that this Contract, its contents and any oral or written information
exchanged among the Parties in connection with the preparation and performance of this Contract shall be confidential information. The
Parties shall maintain the confidentiality of all such confidential information, and shall not disclose any confidential information to
any third party without the written consent of the other Party or Parties, except for the information which: (a) is already known to the
public (without unauthorized disclosure by the receiving Party); (b) is required to be disclosed under the applicable laws or regulations,
stock trading rules or orders of governmental authorities or courts; or (c) is required to be disclosed by a Party to its shareholders,
directors, employees, legal or financial advisors for the transactions contemplated hereunder, provided that such shareholders, directors,
employees, and legal or financial advisors shall be subject to the confidentiality obligations similar to those set forth in this Article.
Any disclosure of confidential information by a shareholder, director, employee or engaged agency of a Party shall be deemed as a disclosure
of such confidential information by such Party, who shall be liable for breach of contract in accordance with this Contract.

 

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	Daxin Wealth Investment Management (Shanghai) Co., Ltd.	Loan Contract

 

Article 7  Governing Law and Dispute Resolution

 

		7.1	The conclusion, effectiveness, interpretation, performance, amendment and termination of this Contract
and the resolution of disputes hereunder shall be governed by the laws of the PRC.

 

		7.2	In the event of any dispute arising from or in connection with this Contract, either Party may submit
the dispute to Shanghai International Economic and Trade Arbitration Commission for arbitration in Shanghai in accordance with its arbitration
procedures and rules then in effect. The arbitration tribunal shall consist of three arbitrators who shall be appointed in accordance
with the arbitration rules. The claimant and the respondent shall respectively appoint one arbitrator, and the third arbitrator shall
be appointed by the first two arbitrators through negotiations. The arbitration proceedings shall be conducted in Chinese in a confidential
manner. The arbitration award shall be final and binding upon the parties thereto. In appropriate circumstances, the arbitration tribunal
or arbitrators may award remedial measures in respect of equities or assets of the Parties in accordance with the dispute resolution clause
and/or applicable PRC laws, including restriction on conduct of business, restriction or prohibition of transfer or sale of equities or
assets, or proposal for the winding-up of the Parties. In addition, in the course of forming the tribunal, Party A shall have the right
to file an application to any court with competent jurisdiction (including courts in the PRC, Hong Kong and Cayman Islands) for grant
of temporary reliefs.

 

		7.3	In the event of any dispute arising out of the interpretation and performance of this Contract, or in
the arbitration proceeding of any dispute, the Parties shall continue to exercise their respective rights hereunder and perform their
respective obligations hereunder, except for matters under dispute.

 

Article 8  Taxes; Expenses

 

		8.1	Each Party shall be liable for any and all taxes, costs and expenses incurred by or imposed on such Party
in accordance with the PRC laws due to the preparation and execution of this Contract and each Transfer Contract as well as the consummation
of the transactions contemplated hereunder and thereunder.

 

Article 9  Miscellaneous

 

		9.1	This Contract shall come into effect on the day when it is duly signed by the Parties, and shall expire
on the date on which the Parties have fulfilled their respective obligations hereunder.

 

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	Daxin Wealth Investment Management (Shanghai) Co., Ltd.	Loan Contract

 

		9.2	This Contract is made in Chinese in four counterparts, with the Lender and each Borrower respectively
holding one counterpart hereof, and each counterpart hereof shall have the same legal effect.

 

		9.3	The Parties may amend and supplement this Contract by written agreement. Any amendment or supplementary
agreement among the Parties in respect of this Contract shall be an integral part hereof, and have the same legal effect as this Contract.

 

		9.4	In the event that one or more provisions of this Contract 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 of this Contract shall
not be affected or impaired thereby in any aspect. The Parties shall, through negotiations in good faith, strive to replace such invalid,
illegal or unenforceable provisions with the provisions which are valid to the greatest extent permitted by laws and desired by the Parties,
and the economic effect of such valid provisions shall be as close as possible to the economic effect of those invalid, illegal or unenforceable
provisions.

 

		9.5	The Exhibits attached to this Contract shall be integral parts hereof and have the same legal effect as
this Contract.

 

		9.6	Any obligations accruing or becoming due hereunder prior to the expiration or early termination of this
Contract shall survive the expiration or early termination of this Contract. The provisions of Articles 4, 6 and 7 and this Article 9.6
shall survive the termination of this Contract.

 

(THE REMAINDER OF THIS PAGE IS INTENTIONALLY
LEFT BLANK)

 

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	Daxin Wealth Investment Management (Shanghai) Co., Ltd.	Loan Contract

 

(Signature
Page of the Loan Contract)

 

Lender: 

 

Shanghai Santeng Technology Co.,
Ltd. (official seal)

 

	By:	LU Qiaoling (signature)
	 	Its Legal or Authorized Representative

 

Signed on this 9th day of March, 2020

 

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	Daxin Wealth Investment Management (Shanghai) Co., Ltd.	Loan Contract

 

(Signature
Page of the Loan Contract)

 

Borrower-1: 

 

LU Yongxiang

 

Signature: LU Yongxiang

 

Signed on this 9th day of March, 2020

 

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	Daxin Wealth Investment Management (Shanghai) Co., Ltd.	Loan Contract

 

(Signature
Page of the Loan Contract)

 

Borrower-2: 

 

LU Qiaoling

 

Signature: LU Qiaoling

 

Signed on this 9th day of March, 2020

 

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	Daxin Wealth Investment Management (Shanghai) Co., Ltd.	Loan Contract

 

(Signature
Page of the Loan Contract)

 

Borrower-3: 

 

GUO Yiheng

 

Signature: GUO Yiheng

 

Signed on this 9th day of March, 2020

 

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	Daxin Wealth Investment Management (Shanghai) Co., Ltd.	Loan Contract

 

Exhibit
1 Borrowers’ Information

 

	Name	 	PRC ID No.	 	Contribution to Borrowers’ Company (RMB)	 	Shareholding Ratio in Borrowers’ Company	 	 	Loan Amount (RMB)	 
	LU Yongxiang	 	370206195007272814	 	45 million	 	 	         90	%	 	 	180,000	 
	LU Qiaoling	 	370206198001304022	 	2.5 million	 	 	5	%	 	 	10,000	 
	GUO Yiheng	 	320502198307020534	 	2.5 million	 	 	5	%	 	 	10,000	 

 

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	Daxin Wealth Investment Management (Shanghai) Co., Ltd.	Loan Contract

 

Exhibit
2 Equity Pledge Agreement

 

 

14Exhibit 10.9

 

	Daxin Zhuohui Financial Information Service (Shanghai) Co., Ltd.	Exclusive Business Cooperation Agreement

 

Exclusive
Business Cooperation Agreement 

 

THIS EXCLUSIVE BUSINESS COOPERATION AGREEMENT
(this “Agreement”) is entered into by and between the following parties on this 9th day of March, 2020 in Shanghai,
the People’s Republic of China (hereinafter referred to as the “PRC”, and, for the purpose of this Agreement,
excluding Hong Kong SAR, Macau SAR and Taiwan):

 

Party A: Shanghai Santeng Technology Co., Ltd.

Legal representative: LU Qiaoling

Registered address: Room 121, 14/F, Building No.2,
No.588 Zixing Road, Minhang District, Shanghai

 

Party B: Daxin Zhuohui Financial Information
Service (Shanghai) Co., Ltd.

Legal representative: GUO Zhiyao

Registered address: Room D-843, Building No.3,
No.227 Rushan Road, Pilot Free Trade Zone, Shanghai

 

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

 

WHEREAS:

 

		1.	Party A is a wholly foreign-owned enterprise duly established and validly existing in the PRC.

 

		2.	Party B is a limited liability company established and validly existing in the PRC, and all the business
activities conducted and developed by Party B and its subsidiaries and branches (including subsidiaries and branches wholly owned or controlled
by Party B) either at present or at any time within the term of this Agreement are collectively referred to as the “Principal
Business”;

 

		3.	Party A agrees to use its advantage in technology, personnel and information advantages to provide Party
B and its subsidiaries and branches with exclusive technical support, consulting and other services in relation to the Principal Business
during the term of this Agreement, and Party B agrees to accept the various services to be provided by Party A or its designated party
on terms of this Agreement.

 

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	Daxin Zhuohui Financial Information Service (Shanghai) Co., Ltd.	Exclusive Business Cooperation Agreement

    

 

Article 1 Provision of Service

 

		1.1	In accordance with the terms and conditions of this Agreement, Party B hereby appoints Party A as the
exclusive service provider of Party B to provide Party B with comprehensive technical support, consulting service and other services during
the term of this Agreement, including but not limited to the following:

 

		(1)	licensing Party B to use the relevant software and trademarks in/to which Party A owns lawful rights;

 

		(2)	development, maintenance and updates of relevant application software necessary for Party B’s business;

 

		(3)	design, installation, daily management, maintenance and update of the computer network systems, hardware
device and database;

 

		(4)	providing Party B’s relevant personnel with technical support and professional training;

 

		(5)	assisting Party B in the enquiry, collection and survey of relevant technical and market information (excluding
the market research which wholly foreign-owned enterprises are not allowed to conduct under the PRC laws);

 

		(6)	offering business management consultation to Party B;

 

		(7)	rendering marketing and promotion services to Party B;

 

		(8)	rendering customer order management and customer services to Party B;

 

		(9)	providing Party B with services in connection with investment, financing, risk control and other aspects;

 

		(10)	offering financial, legal and other advices and supports to Party B;

 

		(11)	assist Party B in the transfer, lease and disposition of equipment and assets; and

 

		(12)	other relevant services to be offered from time to time at Party B’s request to the extent permitted
by the PRC laws.

 

		1.2	Party B accepts the services to be provided by Party A. Party B further agrees that, except with the prior
written consent of Party A, during the term of this Agreement, in respect of the services or other matters agreed herein, Party B shall
not directly or indirectly receive any services identical or similar to those specified herein from any third party, nor establish any
similar cooperation relationship with any third party with respect to the matters covered by this Agreement. Both Parties agree that Party
A may designate another party (such designated party may sign certain agreements as described in Clause 1.5 hereof with Party B) to provide
Party B with the services support agreed herein.

 

		1.3	Party A shall have the right to check Party B’s accounts either on a regular basis or at any time,
and Party B shall keep books and records in a timely and accurate manner and deliver its accounts to Party A at Party A’s request.
Subject to compliance with applicable laws, during the term of this Agreement, Party B agrees to cooperate with Party A and its shareholders
(including direct or indirect ones) in auditing (including but not limited to the audit of related transactions and other various audits)
and to provide Party A, its shareholders and/or entrusted auditors with information and materials in connection with the operation, business,
clients, finance, employee and other relevant information of Party B and its subsidiaries and branches, and consents to the disclosure
of such information and materials by Party A’s shareholders for the purpose of satisfying the regulatory requirements on the IPO.

 

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	Daxin Zhuohui Financial Information Service (Shanghai) Co., Ltd.	Exclusive Business Cooperation Agreement

    

 

		1.4	When Party B enters into liquidation or dissolution for any reason, Party B shall, to the extent permitted
by the PRC laws, appoint those persons recommended by Party A to form a liquidation team to manage the properties of Party B and its subsidiaries
and branches. Party B acknowledges and confirms that, in the event of a liquidation or dissolution of Party B, Party B agrees to deliver
to Party A all the remaining properties acquired from the liquidation of Party B in accordance with the laws and regulations of the PRC,
regardless of whether the agreements herein can be performed or not.

 

		1.5	Service Providing Methodology

 

		1.5.1	Party A and Party B agree that, within the term of this Agreement, Party B may, where necessary, enter
into further service agreements with Party A or any other party designated by Party A (as applicable), which shall set out the specific
contents, manner, personnel and fees for the various services.

 

		1.5.2	In order to ensure Party B meets the cash-flow requirements in its ordinary business course and/or to
set off any losses that may arise from its operations, Party A shall, if required by the actual condition, provide Party B with the financial
support (but only to the extent and in the manner permitted under the PRC law), and Party A agrees not to claim for the same against Party
B. Party A may offer financial support to Party B by means of bank entrusted loan or other appropriate methods, and enter into necessary
agreements separately.

 

		1.5.3	In order to perform this Agreement, Party A and Party B agree that Party B will, where necessary, enter
into equipment or property leases with Party A or any other party designated by Party A at any time during the term of this Agreement
in accordance with the needs of the business progress, so that Party A will provide relevant equipment and assets to Party B for use

 

		1.5.4	Party B hereby grants to Party A an irrevocable and exclusive option to purchase from Party B, at Party
A’s sole discretion, any or all of the assets of Party B, to the extent permitted under the PRC laws and regulations, at the lowest
purchase price permitted by the PRC laws, regulations and relevant rules. In this case, the Parties shall enter into a separate assets
transfer agreement, specifying the terms and conditions of the transfer of the assets.

 

Article 2Price and Payment
Method of the Services

 

		2.1	The service fee hereunder shall be at a reasonable price to be determined as per the scope and nature
of the services and will be set out in a service agreement to be further signed by the parties thereto. The service fee shall be a sum
equal to 100% of the total consolidated profits of Party B in any fiscal year, setting off the accumulated loss (if any) of Party B and
its subsidiaries and branches in the previous fiscal year and net of the working capital, expenses, taxes and other statutory contributions
required in any fiscal year. Notwithstanding the foregoing, Party A may, at its sole discretion, adjust the coverage and amount of the
service fee in accordance with the tax regulations and tax practices of the PRC and by reference to Party B’s needs for working
capitals, and Party B and its subsidiaries and branches shall accept such adjustment.

 

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	Daxin Zhuohui Financial Information Service (Shanghai) Co., Ltd.	Exclusive Business Cooperation Agreement

    

 

		2.2	Party A will calculate the service fee on a quarterly basis and issue corresponding VAT special invoice
to Party B at the tax rate specified in the prevailing VAT laws of the PRC. Party B shall, within 10 business days upon receipt of the
invoice, pay the service fee to the bank account designated by Party A, and send a copy of the payment proof to Party A by fax or email
within 10 business days after such payment. Party A shall issue a receipt within 10 working days after its receipt of the service fees.
Notwithstanding the foregoing, Party A may, at its discretion, adjust the time and method for payment of the service fee. Party B shall
accept such adjustment.

 

Article 3Intellectual
Properties and Confidentiality

 

		3.1	Party A shall have proprietary and exclusive ownership, rights and interests in any and all intellectual
properties arising out of or created during the performance of this Agreement, including but not limited to copyrights, patents, patent
applications, software, know-hows, trade secrets and others. Party B shall execute all such appropriate documents, take all such appropriate
actions, deliver all such documents and/or applications, provide all such appropriate assistances, and do all such other acts, as Party
A shall determine at its sole discretion to be necessary to confer such ownerships, rights and interests in such intellectual properties
to Party A and/or to perfect the protection of such intellectual property rights of Party A.

 

		3.2	The Parties acknowledge and confirm that this Agreement, its contents and any oral or written information
exchanged between the Parties in connection with the preparation and performance of this Agreement shall be deemed to be confidential
information. The Parties shall maintain confidentiality of all such confidential information, and shall not disclose any confidential
information to any third party without the written consent of the other Party, except for the information which: (a) is or will be known
to the public (without the unauthorized disclosure by the receiving Party); (b) is required to be disclosed under the applicable laws
or regulations, stock trading rules, or orders of governmental authorities or courts; or (c) is required to be disclosed by either Party
to its shareholders, directors, supervisors (if any), employees, legal counsels or financial advisors for the transactions contemplated
hereunder, provided that such shareholders, directors, supervisors (if any), employees, legal counsels or financial advisors shall be
subject to the confidentiality obligations similar to those set forth in this Article. Any disclosure of confidential information by a
shareholder, director, supervisor (if any) or employee of either Party or any agencies hired by it shall be deemed as a disclosure of
such confidential information by such Party, which shall be liable for breach of agreement in accordance with this Agreement.

 

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Article 4Representations
and Warranties

 

		4.1	Party A represents, warrants and undertakes that:

 

		4.1.1	it is a wholly foreign-owned enterprise duly established and validly existing under the laws of the PRC,
and that Party A or its designated service provider will obtain all the governmental permits and licenses necessary for the provision
of the services hereunder prior to its provision of such services;

 

		4.1.2	Party A has taken necessary corporate actions, obtained necessary authorizations, and obtained necessary
consents and approvals from any third parties and government agencies (if any) to execute, deliver and perform this Agreement, and that
Party A’s execution, delivery and performance of this Agreement do not and will not violate any explicit provisions of laws and
regulations; and

 

		4.1.3	this Agreement constitutes Party A’s legal, valid and binding obligations, which are enforceable
against it in accordance with the terms of this Agreement.

 

		4.2	Party B represents, warrants and undertakes that:

 

		4.2.1	it is a company duly established and validly existing under the laws of the PRC, and has obtained and
will maintain all the governmental permits and licenses necessary for the Principal Business;

 

		4.2.2	Party B has taken necessary corporate actions, obtained necessary authorizations, and obtained necessary
consents and approvals from any third parties and government agencies (if any) to execute, deliver and perform this Agreement, and that
Party B’s execution, delivery and performance of this Agreement do not and will not violate any explicit provisions of laws and
regulations; and

 

		4.2.3	this Agreement constitutes Party B’s legal, valid and binding obligations, which are enforceable
against it in accordance with the terms of this Agreement.

 

Article 5Effective Term
of the Agreement

 

		5.1	The Parties acknowledge and confirm that this Agreement shall come into force after being officially signed
by the Parties, and shall be retroactive to January 1, 2018, which means this Agreement shall be binding upon the Parties on and from
January 1, 2018, whereupon the Parties shall have all rights hereunder and perform all the obligations hereunder. Unless terminated as
expressly specified herein or upon Party A’s written decision, this Agreement shall be permanently effective.

 

		5.2	If either Party’s business term expires during the effective term of this Agreement, such Party
shall timely extend its business term to enable this Agreement to remain effective and performable. If either Party’s application
for extension of its business term is not approved or consented by any competent authorities, this Agreement shall be terminated upon
the expiration of such Party’s business term.

 

		5.3	The Parties’ rights and obligations under Articles 3, 6, 7 and 5.3 hereof shall survive any termination
of this Agreement.

 

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Article 6Governing Law
and Dispute Resolution

 

		6.1	The conclusion, effectiveness, interpretation and performance of this Agreement and the resolution of
disputes hereunder shall be governed by and construed in accordance with the laws of the PRC.

 

		6.2	In the event of any dispute arising from the performance of this Agreement or in connection with this
Agreement, either Party may submit the dispute to Shanghai International Economic and Trade Arbitration Commission for arbitration in
Shanghai in accordance with its arbitration procedures and rules then in effect. The arbitration tribunal shall consist of three arbitrators
to be appointed in accordance with the arbitration rules. The claimant and the respondent shall respectively appoint one arbitrator, and
the third arbitrator shall be appointed by the first two arbitrators through negotiations. The arbitration proceedings shall be conducted
in Chinese in a confidential manner. The arbitration award shall be final and binding upon the parties thereto. Subject to provisions
of the PRC laws, the arbitration tribunal or arbitrators may award remedial measures in respect of Party B’s equities or assets
in accordance with the dispute resolution clause and/or applicable PRC laws, including restriction on conduct of business, restriction
or prohibition of transfer or sale of equities or assets, or proposal for the winding-up of Party B. In addition, in the course of forming
the tribunal, Party A shall have the right to file an application to any court with competent jurisdiction (including courts in the PRC,
Hong Kong and Cayman Islands) for the grant of temporary reliefs.

 

		6.3	During the pending arbitration of any dispute, other than those which are under dispute and subject to
arbitration, the Parties shall continue to own their respective rights under this Agreement and perform their respective obligations hereunder.

 

Article 7Liability for
Breach of Agreement and Indemnity 

 

		7.1	If Party B commits a material breach of any terms hereunder, Party A shall have the right to terminate
this Agreement and/or request Party B to make compensation for the damages, and this Article 7.1 shall not prejudice or affect any other
rights of Party A under this Agreement.

 

		7.2	Unless otherwise provided by laws, Party B shall in no event have the right to terminate or rescind this
Agreement.

 

		7.3	Party B shall indemnify and hold harmless Party A from any losses, damages, liabilities or expenses caused
by any lawsuit, claims or other demands against Party A arising from or caused by the services provided by Party A to Party B pursuant
this Agreement, except where such losses, damages, liabilities or expenses arise from the gross negligence or willful misconduct of Party
A.

 

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Article 8Force Majeure

 

		8.1	If either Party’s failure to perform or completely perform this Agreement is directly caused by
earthquake, typhoon, flood, fire, epidemic, war, strike or any other force majeure event which is unforeseeable and cannot be prevented
or avoided by the affected Party (the “Force Majeure Event”), such Party shall not be liable for such failure or partial
failure to nonperformance or partial nonperformance of this Agreement, provided that the affected Party shall immediately serve a written
notice to the other Party without delay and provide the other Party with details of such Force Majeure Event within fifteen days from
the delivery of the foresaid written notice to explain the reasons of such failure, partial failure or delay of performance.

 

		8.2	If the Party claiming Force Majeure Event fails to notify the other Party and provide appropriate proofs
as specified in the above article, it shall not be exempted from the liability for its failure to perform its obligations hereunder. The
affected Party shall make reasonable efforts to mitigate the consequence of the Force Majeure Event and resume its performance of all
relevant obligations as soon as possible after the Force Majeure Event ends. If the affected Party fails to resume its performance of
relevant obligations after the cause for its temporary exemption from relevant performance of obligations eliminates, such Party shall
be liable to the other Party for such failure.

 

		8.3	When a Force Majeure Event occurs, the Parties shall immediately negotiate with each other with an aim
to reach an equitable solution, and shall make all reasonable efforts to minimize the consequence of such Force Majeure Event to the maximum
possible extent.

 

Article 9Notices 

 

		9.1	All notices and other communications required or given under this Agreement shall be delivered or sent
to the receiving Party by way of personal delivery, registered mail (postage prepaid), commercial courier service or facsimile transmission.
Each notice shall also be sent by email. Each notice shall also be sent by email. The dates on which such notices shall be deemed to have
been effectively given shall be determined as follows:

 

		9.1.1	Notices given by personal delivery (including express mail service) shall be deemed effectively given
on the day when an acknowledgement of receipt thereof is signed.

 

		9.1.2	Notices given by registered mail (postage prepaid) shall be deemed effectively given on the 15th
day after the date of the return receipt thereof.

 

		9.1.3	Notices given by facsimile transmission shall be deemed effectively given on the date of transmission
as shown on the facsimile, provided that, if such facsimile is given after 5pm or on a non-business day at the place of receipt, it shall
be deemed given on the business day immediately following the transmission date shown on such facsimile.

 

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Article 10Transfer of
Agreement 

 

		10.1	Party B shall not transfer its rights and obligations under this Agreement to any third party unless with
Party A’s prior written consent.

 

		10.2	Party B hereby agrees that Party A may transfer its rights and obligations hereunder to any third party,
and that Party A will only need to send a written notice to Party B upon occurrence of such transfer and will not be required to obtain
the consent of Party B for the transfer.

 

Article 11Miscellaneous

 

		11.1	Unless otherwise specified, the terms of this Agreement in connection with Party B’s rights and
obligations shall also apply to Party B’s subsidiaries and branches.

 

		11.2	In the event that one or more provisions of this Agreement 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 of this Agreement shall
not be affected or impaired in any aspect. The Parties shall, through negotiations in good faith, strive to replace such invalid, illegal
or unenforceable provisions with valid provisions which accomplish the intentions of the Parties to the greatest extent permitted by laws,
and the economic effect of such valid provisions shall be as close as possible to the economic effect of those invalid, illegal or unenforceable
provisions.

 

		11.3	The Parties may amend and supplement this Agreement by means of written agreement. Any amendment or supplementary
agreement to this Agreement executed by the Parties shall be an integral part hereof, and have the same legal effect as this Agreement.

 

		11.4	This Agreement is made in duplicate, with each Party holding one counterpart hereof. Each counterpart
of this Agreement shall have the same legal effect.

 

(THE REMAINDER OF THIS PAGE IS INTENTIONALLY
LEFT BLANK)

 

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(Signature
Page of the Exclusive Business Cooperation Agreement)

 

	Party A: 
	Shanghai Santeng Technology Co., Ltd. (official seal)	 
	 	 	 
	By:	LU Qiaoling	 
	 	Its Legal or Authorized Representative	 

 

Dated this 9th day of March, 2020

 

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(Signature
Page of the Exclusive Business Cooperation Agreement)

 

	Party B: 	 
	Daxin Zhuohui Financial Information Service (Shanghai) Co., Ltd. (official seal)	 
	 	 	 
	By:	GUO Zhiyao	 
	 	Its Legal or Authorized Representative	 

 

Dated this 9th day of March, 2020

 

 

10

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