Yintran User Manual English Version Updated 2017.03.22

Set Up Yintran Account Enter English full name Enter email Select country code Enter mobile number Enter 6-digit alphanumeric password Confirm password Select <Agree with terms & conditions> Select <Confirm>

1. Major Functions 2. <Add Friend> 3. Link to bank account (Select <Refill>or<Cash Out>) 4. <Transfer> 5. <Request> 6. <Scan QR Code> 7. <Refill> 8. <Cash Out> 9. <Q Merchants> 10. <Notifications> 11. <Summary> 12. <Support> 13. <Settings> 1. <Menu>

2. <Add Friend> Search Yintran Users or <Invite friend to Yintran> Add <Mobile contacts> <Scan QR Code> <Invite and Pay> (* Pay via email) <Invite and Request> 2. <Add Friend> Before <Transfer> and <Request> You need to add other users as friends Select <Add Friend>

2. Add Friend <Scan QR Code> Once the counterparty scanned QR Code, a friend request will be sent Select your icon Select your user QR Code You You You Counterparty Scan QR Code

3. Link to Bank Account Select Bank Code (from the list) If merchant users, select CI or BR Select Bank Code (from the list) Enter Bank Account No. (10-12) Enter Daily Transfer Limit Select<Next>and Agree with Terms and Conditions Enter English Full Name Select<HKID>or<Passport> Enter ID number Select <Next> Select <Cash Out> Or <Refill> Bank requires 2 business days to confirm daily max. is HKD$15,000 or CNY$15,000 *All data must match with your bank

3. Link to Bank Account (After bank confirmation) Review Bank Statement/Transaction Records Enter the amount Yintran has deposited to and withdrawn from your bank account For example：HKD$6.20 Select <Submit> and once validated, you can <Cash Out>and<Refill> 銀行月結單樣本: Enter amount credited to and debited from your HKID account( _ . _ _ ): Enter Value Submit Try Again

4. <Transfer> (Instantly transfer money to the other user) Select <Transfer> Requires less than 0.5 second Enter user (friend) Enter Amount Select <Transfer> Enter Password Select <Confirm>to complete transfer *User can set daily limit (Daily Max. is HKD$15,000 or CNY$15,000)

4. Transfer (<Auto Transfer>) Select <Auto Transfer> Enter user (Friend) Enter amount Select transfer day of each month Select <Transfer> <Review Auto Transfer List> You can review the status, users, amount and transfer date.

5. <Request> (Request the other to pay instantly) Enter user (Friend) Enter amount Select <Request> Select <Request> <View Request> You can accept or reject requests sent by your friends

5. Request <Scan QR> Counterparty selects <Scan QR> Enter password Complete Payment Generate request QR Code * If counterparty is not your friend Select <Generate Request QR Code> You You Counterparty Scan QR Code

6. <Scan QR Code> Select <Scan QR Code> Align QR Code within frame to scan

7. <Refill> Enter Refill Amount Select <Refill> User can set daily refill limit (Daily max. is HKD$15,000 or CNY$15,000) Select <Refill> Refill from your bank account

7. Refill <Auto Refill> Enter Refill Trigger Enter Auto Refill Amount Select <Auto Refill> When balance is less than the refill trigger amount, refill the auto refill amount. Illustration: 1 Expense(-) $ Auto Refill Amount Balance Refill Trigger Amount 2 Refill(+)

Select <Cash Out> Select <Cash Out> Withdraw from your Yintran balance to your bank account Enter Cash Out Amount Select <Cash Out>

8. Cash Out <Auto Cash Out> Select <Auto Cash Out> Enter Cash Out Trigger Enter amount to be remained in account When balance is greater than the cash out trigger amount, withdraw all amount greater than the amount to remain in account. Illustration: Cash Out to Bank $ Amount remain in Yintran 2 Cash Out(-) Cash Out Trigger Amount Balance 1 Receive money(+)

Select < Q Merchants> See which merchants accept Yintran payment and their latest information: Merchant name (search by name) Merchant phone number and address Latest discount when using Yintran Select < Q Merchants>

10. <Notifications> Review latest transaction records and items approved Select <Notifications>

11. <Summary> Transaction records include: Transaction date (search by date) Transaction time Counterparty user name (search by user name) Currency type (HKD or CNY) Credit amount Debit amount Balance after each transaction Select <Summary> Review transaction records

11. Summary (Download Excel file for transaction record) Login Yintran (website version) https://qplatform.yintran.com Select <Summary> Select Download Excel file for transaction records * User can review transaction records for latest 12 months

Select <Support> Select common type Suggestion Inquiry Complaint Other Enter Subject Enter Content Select to compose an email Select <Support>

13. <Setting> About Us Profile* (see next slides for details) Bank Account (review daily limit and approval status ) Update Daily Limit* (see next slides for details) Upload User Information* (see next slides for details) Language (Select Chinese or English) Wallpaper Private Policy Terms and Conditions FAQ Career Logout

13.Setting <Profile> Select <Public>or<Private> Under <Privacy type> Public: Anyone who invites you becomes a friend instantly. Private: Requires you consent before connecting as friend. You can either accept or reject. You can: Edit personal information Edit password Edit private settings* Select <Profile>

13. Setting <Update Daily Limit> Select Daily Transfer Limit Select <Save> * Daily max. is HKD$15,000 or CNY$15,000 Bank requires 2 business days to validate. Select <Update Daily Limit>

13. Setting <Upload User Information> Select individual or merchant Provide the following information： Select HKID, Passport, CI or BR Enter ID Number Enter Name Enter date of incorporation (for merchants) (* For individuals, enter date of birth) Enter address (* For individuals, select nationality) Upload photo of BR or CI (for merchants) (* For individuals, upload photo of HKID) Upload photo of utility bill 13. Setting <Upload User Information> Select <Upload User Information>

13. Setting <Logout> Select <Logout>

14. Charges Registration: Free Personal Account: Free （If the in-and-out of the linked bank transactions exceed 20 times per annum, Yintran reserves the right to charge HK$2 per cash out transaction） Merchant: we charge one percent (1%) on the transaction amount plus HKD$2 per in-and-out of the linked bank account. All fees are subject to change with notifications.

Contact Us Email: support@yintran.com Hotline: +852 3188-0870 Fax: +852 3188-0620 Disclaimer All users or registrants should have sufficient knowledge and experience to make their own evaluation of the merits and risks, including tax consequences of the proposed money transfer network. Although the information contained herein is believed to be reliable, Yintran Group Holdings Limited or its affiliates or any third party vendor makes no representation as to the accuracy or completeness of any information contained herein. All information subject to change without notifications.