Summary English translation of Loan Extension Agreement, dated September 28, 2018, between Wuhan Kingold Jewelry Company Limited and Yantai Huanshan Road Branch of Evergrowing Bank

Exhibit 10.13

Summary Translation

Loan Renewal Agreement

(Contract No. 2018-280003240031)

Lender: Evergrowing Bank Co., Ltd., Yantai Huanshan Road Branch

Borrower: Wuhan Kingold Jewelry Co., Ltd

In consideration of the mutual promises, covenants and agreements, Borrower and Lender agree as follows:

1. Currency: RMB.

2. Loan Amount: ONE HUNDRED MILLION.

3. This loan shall be used for purchasing gold only.

4. Renewal Term: 12 months from 10/21/2018 to 10/21/2019. This agreement is a renewal of the Loan Agreement of Circulating Funds (Evergrowing Bank No. 2016 280003240031).

5. Interest rate: 6.5%

6. Guarantees: the loan is guaranteed by Borrower under a separate collateral pledge agreement and by Mr. Zhihong Jia under a guarantee agreement entered into by the relevant parties thereof.

The remaining terms and conditions of the loan renewal agreement are substantially identical to that of the above-referenced original agreement.

Date: September 28, 2018

/seal/ Evergrowing Bank Co., Ltd., Yantai Huanshan Road Branch

/seal/ Wuhan Kingold Jewelry Co., Ltd