exhibit 10. 15 banking service direct sales cooperation agreement between china minsheng bank corp and shuhai information technology co., ltd party a : china minsheng bank co., ltd tianjin branch address : no. 43, jianshe rd, heping district, tianjin city legal person : wenze kang zip code : 300040 contact phone number : 022 - 59982253 party b : shuhai information technology co., ltd address : changning building, no. 1 of xinghuo rd, fengtai district, beijing city, china legal person : zhixin liu zip code : 100071 contact phone number : 18600849987 to give full play to their respective advantages and further cooperate in the area of internet finance, both parties agree to, based on principles of mutual benefit and common development and foundations of voluntary equality and integrity, enter into the banking service direct sales cooperation agreement ( hereinafter refereed to as the “ agreement ” ) and strictly obey the provisions of this agreement. i. cooperation content 1. party a shall provide party b's clients ( the natural person who take part in party a's financial activities via party b's platform, the same below ) electronic account opening service and financial products. 2. party b shall set up special entrance on its self - owned on - line platform or customer terminal and use page - bumping technology to bump to party a's h5 page where party b's clients are allowed to open electronic account and purchase financial products. note : exact financial products are depended on party a. 3. the displaying contents on party b's special online page shall be decided by party a and approved by party b. 4. party b's clients who link their account to party a and finish wiring to their electronic account voluntarily shall have the right to enjoy party a's financial services. ii. fees and payment 1. party b shall charge party a certain service fee based on the keeping volume ( means the purchasing volume of party a's financial products from party b's clients ), and daily charge is calculated on the basis of the former day's keeping volume. 2. charging mode i. “ ruyibao ” series products : t days service fee = fee rate ( annual rate : ) * ( t - 1 ) days'keeping volume * ( t - 1 ) days'product net value / full days in a year (