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Wallet App User Service Agreement

This Agreement is entered into between the Wallet App registered users who meet the conditions and can use Xiaomi Account Services (equivalent to "Tianxing Finan- cial Registered Users," hereinafter referred to as "User " or "You") and Tianxing Digital Technology Co., Ltd., Chongqing Xiaomi Consumer Finance Co., Ltd., Jiefu Rui- tong Co., Ltd., and other affiliated companies of Xiaomi Group and their cooperative operating units (hereinafter collectively referred to as "Tianxing Financial") and you in Haidian District, Beijing. The exercise of rights and performance of obligations by Tianxing Financial mentioned in this Agreement shall be carried out by the companies within Tianxing Financial responsible for the corresponding regions and business scopes.

Version update date: April 26,2024 Effective time: May 26,2024

I. Confirmation of wallet service agreement

1. This Agreement helps you understand the services provided by Tianxing Finance and your rights and obliga- tions in using these services. Please read it carefully (especially the content marked in bold). By agreeing to this Agreement or using the service after registering for a Tianxing Finance account, you are deemed to have fully

understood and accepted all terms of this Agreement, which will be established and effective between Tianxing Finance and you. If you do not agree to this Agreement (including any subsequent revisions made by Tianxing Finance), you should refrain from using or immediately stop using the services provided by Tianxing Finance (except for business activities that have already occur- red before the revision).

2. If this agreement is amended, our company will annou- nce the changes in advance through the Tianxing Digital Technology website, the Tianxing Finance App, and the Xiaomi Phone Wallet App. The effective date of the amen- dment will be based on the announcement time. If you continue to use Tianxing Financial Services after the amendment, it indicates that you accept the amended agr- eement. The amended agreement will take effect as long as you continue to use Tianxing Financial Services

The act will take effect in accordance with the provisions of the changed agreement, and you will use the Star Financial Services in accordance with the amended agree- ment.

3. The contents of this Agreement and all rules, operat- ing procedures and other rules issued by Tianxing Finance shall form an integral part of this Agreement and have the same legal effect as this Agreement.

4. If you are a person without civil capacity (a minor under eight years old or an adult and minor who cannot recognize their own actions) or a person with limited civil capacity (a minor over eight years old or an adult who cannot fully recognize their own actions), please inform your guardian and read this agreement and use Tianxing Financial Services under the guidance of your guardian. If you are a user outside the administrative jurisdiction of the People's Republic of China, in addi- tion to complying with the laws of the People's Republic of China, you must also comply with the laws of your country or region, and you confirm that entering into and performing this agreement is not subject to the laws and regulations of the country or region where you belong, reside, conduct business, or operate other activities.

II. Definitions

1. User: refers to a natural person, legal person or

other organization that registers, uses and browses the Mi Mobile Wallet App.

2, Tianxing Financial Platform: refers to the financial information service system provided by Tianxing Financial to users. Tianxing Financial platform includes Tianxing Digital Technology website (the url is airstar.com) and Tianxing Financial App, SuiXingJie App and Xiaomi mobile phone wallet App, etc. (the specific App name is subject to the actual situation).

3. Tianxing Financial Account: refers to the personal account you apply for and register in the Tianxing Financial Account system, or the Xiaomi account associated with the Tianxing Financial App. 4. Identity Elements: refers to the information used by Tianxing Financial to identify the user's identity for the purpose of providing relevant services

Elements, including but not limited to the user's account, password, digital certificate, SMS verification code, mobile phone number, ID card number and fingerpr- int information, face information, etc.

Iii. Services provided by Tianxing Financial

1The services we will provide to you include but are not limited to: loan service, access to transaction records, signing and reviewing contracts (agreements), information disclosure, online payment, fund settlement, NFC payment based on mobile hardware, etc.

2. Provide contract management services for you. The contracts concluded by users when trading on the Tianxing Financial Platform are signed and managed in electronic contract mode. You can view the signed contracts or policy terms through the App of the Tianxing Financial Platform.

3. Users can apply for loans from Chongqing Xiaomi Consumer Finance Co., Ltd. or its partner financial institutions, or other financial institutions (the speci- fic information will be based on the actual lender details) through the Tianxing Financial Platform, and view the signed contracts via the same platform. Tianxing Financial will promptly inform users of loan disbursement and repayment status via text messages, App notifications, and other means.

4. Provide users with reliable payment and life services, including online quick payment, life recharge and payment, scan code payment, installment and other financial servi- ces, as well as Mi Pay payment, transportation card, door card, car key, eID and other services for users of Xiaomi mobile phones and other Xiaomi devices based on Xiaomi NFC hardware.

Iv. Precautions for using Tianxing Financial Services

In order to effectively protect your legitimate rights and interests when using Tianxing Financial Services, Tianxing Financial reminds you to pay attention to the following matters:

(I) Authentication

1 、 In the process of registering and using Tianxing

Financial Services, you should provide legal, true, eff- ective, accurate and complete information. In order to be able to timely notify the changes of account funds

You, and to better protect the security of your account, if any such information changes, please notify Tianxing Finance in a timely manner. To verify your information (including but not limited to identity information, acco- unt information, etc.) promptly and effectively, and to provide you with continuous and convenient services, according to laws, regulations, and regulatory requireme- nts, or when Tianxing Finance deems it necessary, you agree that Tianxing Finance may retain, organize, and process your information or provide it to third parties, and also agree that third parties may provide your information to Tianxing Finance for verification (for more details, see the Privacy Policy of this product and the information processing rules under specific scenarios). You should ensure that the email address or phone number bound to your Tianxing Finance account is owned and used by you personally. If you use someone else's email address or phone number, to avoid inconvenience or adverse effects on the owner or user of the email address or phone number, and for the safety of your funds, Tianxing Finance may delete the email address or phone number from your membership account or account and remove the association.

2. To meet relevant laws, regulations and regulatory requirements

At the request of Tianxing Finance, you agree to provide

your identity information in accordance with the require- ments of Tianxing Finance and the time of notification to complete identity verification. Otherwise, you may not be able to make payment, withdraw money, apply for loan and other operations, and Tianxing Finance may legally stop paying your account balance or cancel your account.

(2) Precautions

1 、 You acknowledge the use of the Tianxing Financial account

The trading data shall be recorded by the system of Xingxing Finance. If you have any objection to such data, you may timely raise objections and provide relevant evidence for verification.

2 The identity element is the basis for Tianxing Financial to identify your identity. Please take good care of it. Any operation or instruction issued using the identity element is deemed to be made by you.

If your account, password and other information are misu- sed, stolen or illegally used due to your reasons, you shall bear all risks, liabilities, losses and expenses arising therefrom. You agree:

(1) Depending on the terminal and your usage habits, we may take different verification measures to identify you. For example, if your Tianxing Financial account is logged in for the first time on a new device, we may identify you by password plus verification code.

(2) To ensure the safety of your funds, please set a different password for your mobile phone and other devi- ces from the one used for the Tianxing Finance account. If you discover that someone is misusing, stealing, or illegally using your account and password, or if your mobile phone or other relevant device is lost, please notify Tianxing Finance immediately in an effective man- ner; you can also apply to Tianxing Finance to suspend or terminate Tianxing Finance services. Tianxing Finance will synchronize these situations with websites under its affiliated companies to protect your legal rights and interests. When you log out of any Tianxing Finance affiliated company website, please follow the correct steps to exit. You understand that it may take reasonable time for Tianxing Finance to respond to your request. If Tianxing Finance fails to take effective measures within

a reasonable period, leading to an expansion of your losses, Tianxing Finance will be liable for the expanded loss portion, but it will not be responsible for actions taken before the response.

(3) The Tianxing Financial Account is for your own use only and cannot be transferred, borrowed, gifted or inherited. However, the relevant property rights and obligations in the Tianxing Financial Account may be legally inherited, except as otherwise required by law or regulatory provisions.

(4) Based on the needs of operation and transaction security, Star Financial has the right to suspend or restrict some service functions in your Star Financial account, or add new functions.

3. You understand that Star Financial Services depends on the system

Accurate operation and operation. If there is a display error caused by system errors, faults or other reasons, or if you or Star Finance improperly profits from it, you agree that Star Finance may take appropriate corrective measures such as correcting the error or deducting the

amount.

(3) Risk warning

1. Before you decide to apply for a loan and use other financial services, you are clear and understand that financial transactions will face the risk of market fluctuations. Therefore, you should have a comprehensive and detailed understanding of the product and service information released by Star Financial, prudently evalu- ate the risks, and make independent decisions.

2. Tianxing Financial does not provide any express or implied guarantee for your actions and the consequences arising therefrom. The information and materials provided by Tianxing Financial to you are for reference only, and you shall bear the risks of financial transactions by yourself.

V. Commitment of users to use Tianxing Financial Services legally

1. You shall abide by the relevant laws and regulations of the People's Republic of China, and shall not use the Tianxing Financial Services for any illegal purposes (in-

cluding transactions prohibited or restricted by anti- money laundering laws and regulations), nor shall you use the Tianxing Financial Services in any illegal way.

2. You shall not use Tianxing Financial Services to engage in acts that infringe upon the legitimate rights and interests of others or violate national laws and regulations. Otherwise, Tianxing Financial has the right to conduct investigations, delay or refuse settlement or cease providing Tianxing Financial Services, and you shall independently bear all relevant legal resp onsibil- ities. If this results in damage to Tianxing Financial or any other party, you shall independently bear the liabi- lity for compensation.

3. The above conditions 1 and 2 apply to, but are not limited to:

(1) Infringing upon the legitimate rights and inter- ests of others such as reputation, privacy, trade secre- ts, trademarks, Copyrights, patents and so on.

(2) Failure to comply with the confidentiality obliga- tions prescribed by law or agreed upon;

(3) Using the name of others to use Tianxing Financial Services;

(4) Engaging in illegal transactions, such as money laundering, terrorist financing, trafficking in guns, drugs, prohibited drugs, dissemination, use of pirated software, pornographic materials or other items that Tianxing Financial believes should not be used for tran- sactions with Tianxing financial services;

(5) Providing gambling information or enticing others to participate in gambling in any way;

(6) Unauthorized use of other people's bank cards, or using credit cards to withdraw cash;

(7) Conduct a transaction that is inconsistent with the transaction content claimed by you or the counterpar- ty, or an untrue transaction;

(8) Engage in any act that may infringe upon the financial services system and data of Tianxing.

4. You shall not use reverse engineering to crack the system and program of Tianxing Finance, and shall not copy, modify, compile, integrate or tamper with the above-mentioned system and program (including but not limited to source program, target program, technical documents, data from client to server, server data), and shall not modify or add or reduce any function of the system of Tianxing Finance.

VI. Information Use and Privacy Protection

1. If you obtain other people's personal information through signing an agreement, etc., you agree and promise not to maliciously use other people's information or use other people's personal information for any illegal purpose.

2. Tianxing Financial attaches great importance to the protection of your privacy. Your identity information and other specific information are protected and regulated according to this product's Privacy Policy. Please refer to this product's Privacy Policy for details.

Vii. Termination of Service

If Tianxing Financial considers that there may be any circumstances that may endanger the security of financial transactions, it may suspend, interrupt or terminate all or part of the services provided to you under this Agreement in advance, and will do so if necessary

The suspension, interruption or termination of all or part of the Services based on the sealing, removal or deletion of the registration information shall not incur any liability to you or any third party. The foregoing circumstances include but are not limited to:

1It is not true, valid or complete;

2. When abnormal transactions are found or there is objection to the transactions or illegal suspicion;

3. It is believed that your use of the Tianxing Financial account is suspected of money laundering, cash withdraw- al, pyramid scheme, malicious use of others 'identity information or use of others' identity information to participate in illegal activities;

4. You believe that you have violated the provisions and spirit of this Agreement;

5. You fail to pay the corresponding fees as agreed when using the paid services;

6. The user's personal Tianxing Financial account is cancelled;

7 There is reason to believe that there has been a violation of national laws or an infringement on the interests of Tianxing Finance or others. After Tianxing Finance suspends, interrupts, or terminates services to you, we will notify you within 3 working days. If you have any objections, please call 400-100-3399 to contact

our customer service representative for a complaint.

Viii. Force Majeure, Exemption and Limitation of Liability

(1) Exemption clauses

Tianxing Financial shall not be liable for the failure to provide normal services due to the following reasons:

1. System or equipment problems caused by reasons other than Tianxing Financial, such as system instability, system or equipment failure, system downtime maintenance or upgrade caused by viruses, Trojan horses, malicious program attacks, network congestion, communication faul- ts, power faults, bank reasons, defects of third-party services or government actions;

2. Force majeure reasons such as typhoon, earthquake, flood, lightning or terrorist attack;

3. The user's computer hardware and software, communica- tion lines and power supply lines fail;

4. The user improperly operates or uses the Tianxing Financial Services in a way not authorized or approved by Tianxing Financial;

In spite of the above agreement, Star Finance will take reasonable actions to actively promote the normal servi- ce. If you are unable to use the services of Star Finance due to the reasons of Star Finance, resulting in damage to your legitimate rights and interests, Star Finance will bear the corresponding legal liabilities.

(2) Scope and limitation of responsibility of Tianxing Financial

1. The user information of Tianxing Financial is provided by the user himself or herself, and Tianxing Financial cannot guarantee the accuracy, validity and completeness of such information.

2. Tianxing Financial may provide Tianxing Financial services to you and your (transaction) counterparties at the same time. You agree to explicitly exempt Tianxing Financial from any actual or potential conflict of inte- rest arising from such actions, and you shall not claim that there is a legal defect in the provision of services by Tianxing Financial.

Protection of intellectual property rights

1. All contents of all systems owned by Tianxing Financ- ial and its affiliated companies, including but not lim- ited to works, pictures, files, information, data, webs- ite structure, arrangement of website images and web page design, are owned by Tianxing Financial or its affiliated companies in accordance with the law, including but not limited to trademark rights, patent rights, copyright, trade secrets, etc.

2 Without the written consent of Tiansheng Financial or its affiliates, no person shall use, modify, reverse compile, copy, publicly disseminate, change, distribute, issue or publish the programs or contents of this website without authorization.

3. It is your obligation to respect intellectual prope- rty rights. If you violate them, you shall be liable for damages.

X. Application of law and jurisdiction

The validity, interpretation, modification, execution and dispute settlement of this Agreement shall be governed by the laws of the People's Republic of China. Any dispute arising from this Agreement shall be settled in accorda- nce with the laws of the People's Republic of China and under the jurisdiction of the competent people's court.