SERVICE PROVISION AGREEMENT

BETWEEN

【Fynamics Lending , Inc.】

AND

Credit Tag PTE LTD.

This Agreement (hereinafter referred to as the "Agreement") is made dated 12 February,

2019 10 December 2018, located in [], by and between:

1. Fynamics Lending, Inc., a corporation duly organized and existing under and by the
virtue of the laws of the Philippines, with principal place of business and office at
37F LKG Tower, 6801 Ayala Ave. Brgy. Bel Air, Makati CitSuite B, 3/F Builder’s
Center Building, 170 Salcedo Street, Legazpi Village, Makati City, Philippines in this
case represented by Li Meng (name of representative) in his capacity as President,
(position of representative), hereinafter referred to as "FIRST PARTY".,

2. Credit Tag PTE. LTD., a company established under the laws of Singapore,
domiciled and having its office at 10 Anson Road #12-08 International Plaza,
Singapore, in this case represented by Yuanqin Chen, in its position as
Director, hereinafter referred to as "SECOND PARTY".
The FIRST PARTY and the SECOND PARTY, hereinafter referred to individually as
"Parties" and collectively referred to as "Parties", acting in their respective positions as
mentioned above hereby explain in advance:

1. That the FIRST PARTY is a company engaged in the lending.

2. That the SECOND PARTY is a company engaged in provision of consulting services.

3. That the FIRST PARTY intends to use the services of the SECOND PARTY to carry
out financial advisory service.

So hereby the Parties agree and agree to bind themselves in this Agreement with the
terms and conditions as stated in the articles below:

Article 1
Scope of work

1. The SECOND PARTY accepts the surrender of the Work from the FIRST PARTY
and states that he is willing and able to carry out the Work;
2. The SECOND PARTY is obliged to provide services for financial advisory;
3. The SECOND PARTY will provide a financial compliance service to the FIRST
PARTY; aims to assist the FIRST PARTY in solving problems of lack of
professional staffs or lack of experience;
4. The SECOND PARTY will provide an internal control consulting service to the
FIRST PARTY, assisting to solving problems of lack of design of top-level control,
lack of risk awareness and help FIRST PARTY to build the internal control process;
5. The SECOND PARTY will be the Perennial Corporate Financial Consultant for the
FIRST PARTY for 12 months.

Article 2
Duration of the agreement

The term of this Agreement is Twenty-Four Twelve Months from the signing of this
Agreement. The effective date of the commencement of the Agreement from the date of
signing this Agreement.
 Article 3
Contract Price

1. The contract price referred to in Article 1 of this Agreement is determined by our

time and effort devoted to the matter during the term of the Agreement;
2. The FIRST PARTY shall deduct tax in accordance with the applicable tax regulations
and/or treaties in the Philippines.The FIRST PARTY will deduct tax in accordance with
the applicable tax rules in Philippines.
3. The SECOND PARTY is fully responsible for all repayments of taxes, stamp duty and
others arising from the implementation execution of this Agreement, in accordance
with the provisions of the applicable laws and regulations in the field of taxation.

Article 4
Rights and Obligations of the Parties

THE FIRST PARTY:

1. The FIRST PARTY is willing to carry out the payment obligations under the
conditions stated in Article 3 of this Agreement.
2. The FIRST PARTY is obliged to provide data, information and other information
needed by the SECOND PARTY as long as it is within the scope of the Work.

THE SECOND PARTY:

1. The SECOND PARTY has the right to receive payment for service fees under the
conditions stated in Article 3 of this Agreement.
2. The SECOND PARTY is obliged to carry out management as required by the FIRST
PARTY and will be clarified in more detail through supporting documents.

Article 5
Confidentiality

1. The Parties agree to guarantee the confidentiality of any data, information or

information and financial information, marketing of business, products and / or
services that are known or arise based on the implementation of this Agreement
 submitted or exchanged by the Parties in any form relating to the implementation of
the Agreement ( "Confidential Information") and will not disclose in any form to
any third party outside of this Agreement for Confidential Information received
relating to this Agreement without obtaining written approval from either party,
except (i) for matters that are public property (public domain) without violation of
obligations of confidentiality in this Agreement; or (ii) required by court order, the
Arbitration Body in accordance with the applicable law in the Republic of Indonesia
the Philippines or statutory regulations in the field of capital markets; or (iii) to
management, employees, affiliates, or consultants from the SECOND PARTY
provided that the party to whom it is opened Confidential Information has agreed to
submit to the provisions of Confidentiality as referred to in this article.

2. These confidentiality provisions remain valid and binding on the Parties for up to 2
(two) years from the date of expiration or termination of this Agreement or if the
Confidential Information referred to above is subject to a provision of certain
confidentiality obligations for which the period of confidentiality exceeds the period
specified in this paragraph, the expiration of the obligation of confidentiality is as
stipulated in the provision.

Article 6
Force Majeure

1. There is no Party in this Agreement that will be held accountable in the event that it
cannot fulfill its obligations under this Agreement caused by force (hereinafter
referred to as "Force Majeure") and has a direct impact on fulfilling the obligations
of the Parties under this Agreement, including but not limited to natural disasters,
fires, riots, war / coups, disruption and damage to telecommunication servers or
networks that are not caused by negligence of one of the Parties, a power outage that
lasts for a long time and cannot be backed up with generator set, failure of the
banking system, and the existence of policies from the government.

2. In the event of one or several events and / or events of Force Majeure as referred to in
paragraph (1) of this Article, the party experiencing it must notify the other Party in
writing of the occurrence of the Force Majeure event within 7 (seven ) Working Days
from the date of the occurrence of the Force Majeure, to be resolved by deliberation
to reach consensus.

3. If the Party experiencing Force Majeure is negligent to notify the other Party within
the period referred to in paragraph (2) of this Article, then all losses, risks and
 consequences that arise will be the burden and responsibility of the negligent Party as
a result of the occurrence of the Force Majeure.

4. If Force Majeure causes the execution of this Agreement to continue until the end of
this Agreement, the Parties will conduct further negotiations to resolve it.

Article 7
Dispute resolution

1. In the event of a dispute and the difference in interpretation in the implementation of

this Agreement, basically it will be settled peacefully through deliberation and
consensus between the Parties.
2. If disputes and differences in interpretation cannot be resolved by deliberation to
reach a consensus between the Parties for a period of 30 (thirty) Days, the Parties
agree to choose a permanent and unchanged legal domicile or domicile at the West
Jakarta District Courtproper courts of Makati City, Philippines.

Article 8
Others
1. This agreement cannot be transferred to part or all to a third party without the
written approval of the FIRST PARTY.
2. This agreement will expire after all parties' rights and obligations have been fulfilled.
3. Any changes to the provisions in this Agreement can only apply if agreed by the
Parties and set forth in an amendment or other written document.
4. If there is a part of this Agreement that is invalid and / or unenforceable, then the
condition does not automatically cancel this Agreement and will only cancel the
invalid part and / or cannot be applied only.

Thus, the Agreement signed by the Parties on the date 10 December 201812 February,
2019, is made in duplicate copies sufficiently stamped, each of which has the same legal
force.
Li Meng

Fynamics Lending, Inc.

[]

(Li Meng’s Signature)____________________________

Yuanqin Chen Chen

Credit Tag PTE LTD

(Yuanqin Chen’s Signature)____________________________