Document:

Supplemental
Agreement regarding Fast Recharge Function

 

Party
A: Benefactum Alliance Business Consultant (Beijing) Co., Ltd.

Address:

Contact
Phone:

 

Party
B: Shanghai ChinaPnR Data Service Co., Ltd.

Address:
9th Floor, Innov Tower, No. 1801 Hongmei Road, Shanghai City

Legal
Representative:

Contact
Phone: 021-33323999

 

Party
A and Party B signed the “ChinaPnR custodian account service agreement” (hereinafter referred to as “Master
Agreement”) on December 31, 2014. In order to better perform the master agreement and guarantee the rights and obligations
of both parties, based on the principle of equality, mutual benefits and common development, through consultation, both parties
hereby sign the supplementary agreement.

 

I.
Party A applies to open the quick top-up function due to the need of business, namely: When Party A’s user conducts quick
top-up for the first time for its custodian account, it authorizes Party B to deduct from the user’s associated bank debit
card the amount specified by the user, Party B will authenticate the payment via ID card, name, bank card number, mobile phone
number and a variety of ways. After the authentication is passed, the top-up will be completed. Upon the top-up again, after inputting
the password of the custodian account and confirming, it is regarded as the user has confirmed and authorized Party A to issue
irrevocable instructions to Party B. Party B will entrust the bank according to the instructions or the third party to deduct
and transfer the fund from the binding bank card of the user. After Party A’s user opens the quick top-up function, and
its binding bank debit card is deemed as the only cash withdrawal bank card for its custodian account, the user shall not unilaterally
change the binding, unbind, add new cash withdrawal card or quick top-up bank card.

 

II.
Party A’s user shall be the legal holder of the bank debit card, and its use of the debit card shall not infringe the legitimate
rights and interests of any third person, Party A and Party A’s user must not use the quick top-up service to implement
cash out, money laundering, false trading and other illegal activities, otherwise Party B shall have the right to take measures
in accordance with the relevant provisions of the regulatory bank and Union pay.

 

III.
All the losses caused by the improper keeping of its own account number or password and improper use of Party A’s user shall
be borne by itself, upon the occurrence of the aforementioned risk incident, Party B’s obligations is to actively cooperate
with Party A and Party A’s user to perform the remedial work.

 

IV.
When Party A’s user applies to detach the quick top-up bank card, Party A shall strictly enforce the bank card unbundling
procedure issued by Party B, collect and review the related information of Party A’s user, to ensure the acquired information
is true, legitimate and valid. The risks of the application by Party B according to the aforementioned operation of Party A shall
be borne by Party A.

 

    	 	 	 

     

    

 

V.
Party A shall guarantee that the instructions sent to Party B have been authorized by the user and are accurate and unmistakable.
The losses caused by Party A or Party A’s user in violation of this agreement shall be borne by Party A or Party A’s
user accordingly, at the same time, Party B shall have the right to deduct the corresponding amount from the account of Party
A or Party A’s user, and suspend or stop the provision of the quick top-up function according to risk situation.

 

VI.
Quick Top-up Fee:

 

	Item	Charge	Charge
    Mode
	Quick
    Top-up Fee	1%
    of the Top-up Amount	

☑
A [  ] B

	Note: [  ] Bank cards that support quick top-up function are as follows: the Industrial and Commercial Bank of China, the Agricultural Bank of China, Bank of China, China Construction Bank, Shanghai Bank, Everbright Bank, Industrial Bank, Citi Bank, Ping An Bank, Shanghai Pudong Development Bank, China Bohai Bank, Post Office Savings Bank. 

 

[  ] Party B shall have the right to make adjustment to the single transaction or single day limit for the above supporting banks and bank gateways according to the actual development of the business or the bank cooperation situation, and Party A shall not have any objection.

 

[  ] Charging Mode A: Charges to be deducted from the custodian account set up by Party A for its user

 

[  ] Charging Mode B: Charges to be deducted from the account designated by Party A, when the account balance is insufficient, Party B shall no longer provide services for Party A.

 

VII.
This supplementary agreement is the supplement provisions to the master agreement, with the same legal effect as the master agreement,
as an integral part of the master agreement. If there is a discrepancy between the contents referred to in the terms of this supplementary
agreement and the master agreement, the terms of this supplementary agreement shall prevail. For the content not mentioned in
this supplementary agreement, it shall be executed according to the relevant contents of the master agreement.

 

VIII.
The effective period of this supplementary agreement is consistent with that of the master agreement.

 

IX.
This supplementary agreement shall take effect after the signature and sealing of both parties. The agreement is in duplicate,
both parties holding one each, with the same legal effect.

 

(No
Text Below)

 

	Party
    A 

(Seal)		Party B: 

(Seal)	

 

	Huizhong
    Business Consultant (Beijing) Co., Ltd.	Shanghai
    ChinaPnR Data Service Co., Ltd.
	Signature
    of Legal Representative 	Signature
of Legal Representative 
	(or
    Authorized Representative): 	(or
    Authorized Representative):
	 	 
	Date
    of Signing: December 31, 2014 	Date
    of Signing: December 31, 2014

 

    	2/2Cooperative
Agreement between Benefactum Alliance Business

 

Consultant
(Beijing) Co., Ltd. and Guo Zhao Financial Leasing Co., Ltd.

 

This
agreement is signed by the following parties in Qingdao on Apr.5, 2015.

 

Party
A: Benefactum Alliance Business Consultant (Beijing) Co., Ltd. (hereinafter referred to as “Huizhong Business”)

 

Legal
representative:

 

Party
B: Guo Zhao Financial Leasing Co., Ltd. (hereinafter referred to as “Guo Zhao Financial Leasing”)

 

Legal
representative:

 

Whereas:

 

1.
Party A is an Internet financial services platform operating company, with good reputation, excellent team, sufficient capital
strength, efficient and quality service level and advanced operating management experience;

 

2.
Party B is a financial leasing company legally registered and surviving in Beijing, obtaining relevant operation approval of Beijing
Municipal Commission of Commerce, with good credit standing and professional proficiency;

 

3.
The project huiyingdai.com owned by Party A is a new Internet financial intermediary service platform, with good development prospect;

 

4.
Party B cooperates with Party A to launch financial services through the “Huiyingdai” Internet Financial Service Platform
by giving full play to its own professional superiority voluntarily;

 

5.
Party B has already known well, completely accepted and observed the Huiyingdai Use and Service Terms of the “Huiyingdai”
platform (for details, please see the contents published on huiyingdai.com, as the annex of the agreement), and observe the following
cooperative service mode agreed by this agreement’;

 

6.
The Parties will explore actively to utilize the Internet technology to be engaged in the financing of small and micro enterprises,
personal loan, investment and other services under this agreement under the condition of meeting the laws, regulations and related
supervision systems, based on the principle of equity and free will, honesty and credibility, mutual benefit and reciprocity.

 

Upon
full consultation, the Parties have reached the following agreement:

 

    	 

    	 

    

 

I.
Cooperation mode

 

1.
As the intermediary, major work of Party A is as follows:

 

(1)
Release financing information, verify the authenticity of the authentication information, and ensure the security of customer
information;

 

(2)
Provide value added services for financing consultation and other consultations, causing projects for creditor’s rights
of Party B to be transferred through the “Huiyingdai” platform;

 

(3)
Coordinate and manage the cooperation between the various participating subjects of the “Huiyingdai” Internet Financial
Service Platform; maintain the normal operation of the “Huiyingdai” Internet Financial Service Platform;

 

(4)Entrust
a third party to manage the capital account;

 

(5)Assist
the transferees of the creditor’s rights (platform investors) to exercise or be commissioned to exercise the rights agreed
by the contract;

 

(6)
Other services in relation to “Huiyingdai”.

 

2.
As the transferor of the creditor’s rights, major work of Party B is as follows:

 

(1)
Examine and certify the authenticity of the project information of the creditor’s rights, and conduct due diligence to the
financing projects recommended by it according to the relevant laws and regulations;

 

(2)
Provide credit guarantee to Party A, guarantee the clear ownership of the financing projects, provide detailed and feasible assets
disposal program, and feed back the assets disposal status, as well as the changes of the enterprise performance ability and solvency
to Party A at any time;

 

(3)
If the lessee delays to pay the rent for more than three days, Party B must notify Party A immediately;

 

(4)
Before the expiry of the financing period of the projects for creditor’s rights, Party B must buy the creditor’s rights
back;

 

3.
Credit extension

 

(1)
Prior to the signing of this agreement, Party A has already passed the survey review and credit extension procedure, and affirmed
to confer Party B the line of credit of RMB 1.8 billion under this agreement, Party B may transfer creditor’s rights
within such line of credit as required by Party A.

 

(2)
During the performance of this agreement, if Party A believes that the line of credit can be raised, it can increase the line
of credit under this agreement under the application of Party B and Party A’s consent.

 

(3)
Unless otherwise agreed, credit extension under this agreement can only be used for the purpose under the cooperation mode negotiated
by the Parties.

 

    	 

    	 

    

 

4.
Term of cooperation

 

(1)
It is confirmed by the Parties that, the term of cooperation shall be one year from the effective date of this agreement.

 

(2)
After the expiration of this agreement, if it is confirmed by the Parties in writing to continue the cooperation, this agreement
shall be loosely in effect automatically. If the cooperation is required to be continued, a written agreement shall be signed
otherwise by the Parties.

 

(3)
The dissolution and termination of this agreement will not affect the validity of the specific business contract that has already
been confirmed by the Parties under this agreement.

 

5.
Security deposit

 

(1)
To assure the interests of Party A and the platform investors of Party A, Party B shall pay security deposit according to 3% of
the amount of each single project for creditor’s rights, so as to provide guarantee for the projects for creditor’s
rights by means of money pledge.

 

(2)
The scope of guarantee shall be the principal of investment, income, interest, liquidated damages, expenses and other expenses
for the realization of creditor’s rights payable by Party B to Party A and the investors of Party A’s platform.

 

(3)
Party B shall remit the security deposit to Party A’s account designated by Party A before the release of each single project
object for creditor’s rights on Party A’s platform (Account Name:; Bank of Deposit: Account No.:      ).

 

(4)
On the expiry of each single buy-back period of creditor’s rights, Party B shall buy back the creditor’s rights as
agreed, pay all the accounts payable, and Party A shall return the security deposit to Party B (interest free).

 

(5)
If Party B fails to buy back the creditor’s rights and pay the investment principal, income, liquidated damages and expenses
according to the period agreed, Party A shall have the right to offset directly the security deposit paid by Party B according
to the corresponding amount.

 

(6)
If any single project for creditor’s rights of Party B fails to fulfill the buyback obligation as agreed, Party A shall
have the right to offset the security deposit of all the creditor’s rights issued by Party B on the platform as the principal,
income, liquidated damages, expenses and other payments payable by such single project for creditor’s rights.

 

(7)
After the security deposit paid by Party B is offset according to the corresponding amount, if Party A and the platform investors
fail to obtain the payments and expenses settled, Party B shall remain be obliged to pay off.

 

(8)
After the security deposit paid by Party B is offset by Party A as agreed, Party B shall make up the security deposit. Before
Party B makes up the security deposit, Party A shall have the right to suspend the fulfillment of the cooperative contract, without
releasing the project object for creditor’s rights of Party B on the platform.

 

II.
Basic requirements for the transfer of creditor’s rights

 

1.
Creditor’s rights mentioned by the transfer of creditor’s rights herein shall have the following conditions:

 

(1)
Party B has carried out normal operation according to the relevant provisions, and obtained the creditor’s rights for the
rent receivable;

 

(2)
Creditor’s rights corresponding to the transfer of creditor’s rights have undergone strict and careful assessment
according to the internal risk management system and standards;

 

(3)The
maximum amount of the creditor’s rights transferred shall meet the relevant provisions in the operating management provisions
of the financial leasing company on financial leasing business;

 

(4)The
purpose of financial leasing is only limited to lawful operation, the lease term, rent and expenses shall not exceed the industry
standards prepared by the laws, regulations or supervision department, and the way of rent payment shall be average capital plus
interest, payment of interest by quarter and repayment of principal at maturity, and payment of interest by half a year and repayment
of principal at maturity, etc. (For details, please refer to the actual business repayment method).

 

    	 

    	 

    

 

III.
Commitment and special agreement

 

1.
1. Party B promises that, the information provided to Party A during the cooperation is true and effective, and is voluntary to
assume the liability to guarantee for its authenticity. If Party A or the platform investors (transferees of the creditor’s
rights) suffers losses due to negligence of Party B, Party B is voluntarily to undertake all the compensation responsibilities
for such losses.

 

2.
It is confirmed by the Parties that, electronic signature or electronic confirmation used in the “Huiyingdai” Internet
Financial Service Platform are the expression of true intention, producing the same legal force with the written confirmation
according to law; the Parties will fulfill comprehensively the rights and obligations specified in the electronic contract or
legal documents.

 

IV.
Risk disposal mechanism

 

1.
Party B shall conduct due diligence to the lessee in strict accordance with the internal risk management system and operation
flow, and ask the lessee to provide third party guarantee, margin guarantee, mortgage guarantee, pledge guarantee and other guarantee
measures.

 

2.
To guarantee the security of creditor’s rights, Party A shall have the right to conduct due diligence to the creditor’s
assets transferred by Party B, or entrust third party agencies to examine the creditor’s assets transferred by Party B.

 

3.
If projects for creditor’s rights become due, and Party B fails to buy back the creditor’s rights as agreed or has
other events of default, entrusted or authorized by the platform investors (transferees of the creditor’s rights), Party
A shall have the right to ask Party B to fulfill the obligation of buying back the creditor’s rights, make buyback payment,
compensate for economic losses (including but not limited to capital loss), and fees incurred therefrom, such as the attorney
fee, travel expenses, assessment fee, lot money and litigation expenses shall be assumed by Party B and the third parties.

 

V.
Collection of service fee

 

1.
Party A shall provide Party B with financing consultation and intermediary service, charge intermediary service fee from Party
B, and charge account number management fee according to the loan term of the projects; Charging standards are as follows: if
the time limit of the projects for creditor’s rights is within 12 months (including), 3% will be charged according
to number of times; if between 13 months and 24 months (24 months included), 3% will be charged according to number of
times; if above 24 months, 3% will be charged according to number of times; the account management fee shall be charged
according to 0.3% on a monthly basis;

 

2.
The intermediary service fee charged by Party A will be charged once at the time when the transfer of the creditor’s rights
of the projects is completed, and the account management fee charged by Party A will be charged once at the time when Party B
buys back the creditor’s rights.

 

    	 

    	 

    

 

3.
All the above service fees will be deducted by the third party payment agencies.

 

VI.
Protection and use of information

 

1.The
Parties are obliged to keep confidential the customer information obtained in the process of cooperation, and shall not use and
reveal such information without the consent of the customers;

 

2.
Agreed by Party B and the customers of Party B, Party A may use and publish customer information reasonably within the scope of
Huiyingdai Use and Service Terms.

 

3.
Without being permitted by Party A, Party B shall neither use the information obtained from the Huiyingdai” Internet Financial
Service Platform illegally, nor set up similar platforms or systems.

 

VII.
Liabilities for breach of contract

 

1.
The Parties shall strictly abide by the agreement and its annex, and shall bear the responsibility for breach of contract in case
of violation.

 

2.
If Party B breaches the contract due to providing false information and materials, enabling the loan contract of the projects
for creditor’s rights to be invalid, except for compensating the platform investors (transferees of the creditor’s
rights) and Party A for the losses as agreed, Party B shall also pay a liquidated damage equaling 30% of the total financing amount
to Party A.

 

3.
If Party B fails to exercise the obligation of careful examination against the projects for creditor’s rights, enabling
platform investors (transferees of the creditor’s rights) or Party A to suffer losses, Party B shall compensate for such
losses, and pay a liquidated damage to Party A according to 10% of such business financing amount. If Party B has such violation
for two times, Party A shall have the right to dissolve this agreement unilaterally.

 

4.
If either party violates the confidentiality agreement, the defaulting party shall pay a liquidated damage of RMB 1 million to
the observant party, and compensate for the losses caused exceeding such liquidated damage. Meanwhile, the observant party shall
have the right to dissolve this agreement.

 

5.
If Party B has other violation behaviors, causing losses to Party A, Party B shall compensate for such losses, and pay a liquidated
damage of RMB 1 million.

 

6.
If Party A breaches the contract, causing damages to Party B, Party A shall compensate for such losses, and pay a liquidated damage
of RMB 1 million.

 

7.
Losses mentioned by this agreement includes but not limited to the service fee, principal and interest, liquidated damages of
the projects for creditor’s rights as well as the attorney’s fees, travel expenses, assessment fees, auction fees,
litigation costs and so on arising due to claiming of rights.

 

    	 

    	 

    

 

VIII.
Termination of agreement

 

1.
This agreement may be dissolved by the Parties upon consensus. Otherwise, unless otherwise agreed herein, neither party shall
terminate this agreement without authorization. If this agreement is dissolved without authorization, the defaulting party shall
pay a liquidated damage of RMB 1 million to the observant party.

 

2.
If Party B enters into cancellation, revocation, bankruptcy or dissolution, the contract shall be dissolved automatically, the
problems arising therefrom shall be settled by shareholders or the corresponding obligees of Party B with Party A through negotiation.

 

3.
If this agreement is dissolved, the uncompleted projects that have already been signed during the performance of this agreement
shall continue to be performed by Party B, and still apply to the contract agreement on breaching of contract and risk disposal
mechanism.

 

IX.
Miscellaneous

 

1.
The address for service and contact person confirmed by the Parties are respectively as follows:

 

Party
A: Benefactum Alliance Business Consultant (Beijing) Co., Ltd. (hereinafter referred to as “Huizhong Business”)

 

Address:

Contact
person:

Tel:

E-mail:

 

Party
B: Guo Zhao Financial Leasing Co., Ltd. (hereinafter referred to as “Guo Zhao Financial Leasing”)

 

Address:

Contact
person:

Tel:

E-mail:

 

The
Parties promise that, once the address or mailing address of one party changes, it shall promptly notify the other party in writing,
otherwise, even if the related documents are delivered to the above address, refused or returned, they shall still be deemed as
served.

 

2.
Any disputes arising from the performance of this agreement shall be settled by the Parties through negotiation as much as possible,
if the negotiation fails, they both agree to submit the disputes to Qingdao Municipal People’s Court for judgment.

 

3.
For any matters not covered hereof, the Parties shall negotiate otherwise, and sign a supplementary agreement.

 

4.
This agreement is made in duplicate, which will take effect from the date of being signed and sealed by the Parties, with each
copy held respectively by Party A and Party B, having the same legal force.

 

    	 

    	 

    

 

Party
A (seal): Benefactum Alliance Business Consultant (Beijing) Co., Ltd. 

 

Legal
representative or authorized representative (signature):

 

Apr.5,
2015

 

Party
B (seal): Guo Zhao Financial Leasing Co., Ltd.

 

Legal
representative or authorized representative (signature): 

 

Apr.5,
2015

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