Document:

Exhibit
4.168

 

Loan
Agreement

 

This
Agreement is concluded and signed on April 20, 2017 in Beijing China by and among:

 

Lender:
Fortune Software (Beijing) Co., Ltd.

 

Registered
address: Suite 07, 7/F, Building 2, 26, 28 and 30 Xuanwumenwai Street, Xicheng District, Beijing

 

Borrower
A: Xiaoqiao Sun

 

Address:
17/F, Building A, Fuzhuo Tower, 28 Xuanwumenwai Street, Xicheng District, Beijing

 

ID
card No.: 110102197910172334

 

Borrower
B: Si Wang

 

Address:
17/F, Building A, Fuzhuo Tower, 28 Xuanwumenwai Street, Xicheng District, Beijing

 

ID
card No.: 110111199009048627

 

(Borrower
A and Borrower B are hereinafter referred to as the “Borrowers”)

 

Whereas:

 

(1)
The Borrowers intend to acquire Shenzhen Ganlanren Investment & Management Co., Ltd. (hereinafter referred to as the “Company”),
the registered capital of which is RMB 10,000,000 Yuan; Borrower A intends to hold 90% shares of such Company and Borrower B intends
to hold 10% shares of such Company;

 

(2)
The Borrowers wish to get a loan from the Lender to be used in the capital contribution to the Company;

 

(3)
The Lender agrees to provide the aforesaid loan to the Borrowers.

 

The
Parties, in the principles of sincere cooperation, equality & mutual benefit and joint development, make and enter into an
agreement as follows through friendly consultation:

 

Article
1 Loan

 

1.1
The Lender agrees to provide loans to the Borrowers in the following amount: the Lender provides a loan of RMB 6,3624.123 to Borrower
A and a loan of RMB 7,069.347 to Borrower B.

 

    	 	1	 

     

    

 

1.2
The term of the afore-said loans provided by the Lender to the Borrowers is 10 years. Such term may be extended upon a consensus
reached by the Parties through consultation.

 

1.3
Notwithstanding the foregoing, under the following circumstances, the Borrowers shall repay the loans hereunder to the Lender,
whether this Agreement has expired or not:

 

(1)
The Borrowers lose the capacity for civil conducts or are restricted in the capacity for civil conducts;

 

(2)
The Borrowers violate the criminal law or are involved in a criminal offence; or

 

(3)
The Borrowers or the persons designated thereby may lawfully purchase the equities of the Company and the Lender makes the aforesaid
requirements.

 

1.4
After the satisfaction of all preconditions set forth in Article 2, the Lender shall, within 7 days after receiving the written
loan-granting request given by the Borrowers, remit the aforesaid loans to the bank accounts designated by the Borrowers. The
Borrowers shall send a written confirmation on receipt of the loans to the Lender within one day after receiving the aforesaid
loans.

 

1.5
The Borrowers can only use the above loans to subscribe for the registered capital of the Company. Without the consent of the
Lender, the Borrowers may not use the aforesaid loans for other purposes or pledge to a third person any rights and interests
obtained thereby in the Company by using the loans.

 

1.6
The only method for the repayment of the aforesaid loans by the Borrowers is, when permitted by laws of China, to transfer to
the Lender or the person designated thereby all equities obtained thereby in the Company by using the above-said loans.

 

1.7
The Lender and the Borrowers hereby agree and confirm that, when permitted by laws of China, the Lender has the right but assumes
no obligation to purchase or arrange the person designated thereby to purchase from the Borrowers, at the price equal to the amount
of the loans, all the equities obtained by the Borrowers in the Company by using the above-said loans. If the Lender or the person
designated thereby only purchases part of the above-said equities, correspondingly the price shall be adjusted proportionately.

 

1.8
When the Borrowers transfer to the Lender or the person designated thereby the equities obtained thereby in the Company by using
the aforesaid loans, (1) if the actual transfer price is not higher than the amount of loans hereunder, the loans hereunder shall
be deemed interest-free; (2) if the actual transfer price is higher than the amount of the loans hereunder, the loans hereunder
shall be deemed interest-bearing, and the part in excess shall be deemed as interest on the loans hereunder.

 

    	 	2	 

     

    

 

Article
2 Conditions Precedent

 

Only
if all the following conditions precedent is satisfied will the Lender issue the loans to the Borrowers:

 

2.1
According to the provisions of Article 1.4 hereof, the Lender has received the loan-granting request sent by the Borrowers.

 

2.2
The Borrowers and the Lender have signed the equity pledge contract satisfactory to the Lender.

 

2.3
The Borrowers and the Lender have signed the right of first refusal & cooperation agreement satisfactory to the Lender.

 

2.4
The aforesaid equity pledge contract and right of first refusal & cooperation agreement have taken effect and remain effective,
the parties to the contract or agreement have not materially breached any term and condition of the above-said contract or agreement,
and all government approvals, consents, authorizations and registrations required by such contract or agreement have been obtained
or completed.

 

2.5
The representations and warranties in Article 3 hereof remain true and accurate on the date when the Lender receives the loan-granting
request and on the date of loan issuance.

 

2.6
The Borrowers have not materially breached any term and condition hereof.

 

Article
3 Representations and Warranties

 

3.1
The Lender hereby represents and warrants to the Borrowers as follows:

 

(1)
The Lender is a Company duly organized and validly existing under the laws of the People’s Republic of China;

 

(2)
The Lender has all necessary rights, powers and authorities to execute this Agreement and to perform all obligations and responsibilities
hereunder;

 

(3)
The execution or performance hereof does not contravene any significant contract or agreement to which such Party is a party,
nor breaches any significant contract or agreement binding on the Lender or its assets.

 

(4)
This Agreement will constitute legal, effective and binding obligations on the Lender, and such obligations may be enforced after
the signature hereof.

 

3.2
The Borrowers hereby represent and warrant to the Lender as follows:

 

(1)
The Borrowers have all necessary rights, powers and authorities to execute this Agreement and to perform all obligations and responsibilities
hereunder;

 

(2)
The execution or performance hereof does not contravene any significant contract or agreement to which such Party is a party,
nor breaches any significant contract or agreement binding on the Borrowers or their assets.

 

(3)
This Agreement will constitute legal, effective and binding obligations on the Borrowers, and such obligations may be enforced
after the signature hereof.

 

(4)
No judicial proceedings or administrative proceedings against the Borrowers exist.

 

    	 	3	 

     

    

 

Article
4 Confidentiality

 

Without
the prior consent of the Parties, any Party shall maintain the confidentiality of the contents hereof and may not disclose the
contents of this Agreement to any other persons or publish such contents, provided that the provisions of this Article will not
prohibit (i) any disclosure made pursuant to related laws or the rules of any stock exchange; (ii) any disclosed information that
is publicly available, which is not caused by the default of the disclosing party; (iii) any disclosure made by one Party to its
shareholders, legal counsels, accountants, financial advisers, or other professional advisers; or (iv) disclosure made to the
potential buyers or other investors of the equities/assets of one Party or of the shareholders thereof or to the providers of
debt or equity financing, provided that the receiving party shall make appropriate confidentiality undertakings (where the transferring
party is not the Lender, the consent of the Lender shall be obtained).

 

Article
5 Governing Law and Liabilities for Breach of Contract

 

5.1
The formation, validity, interpretation, and performance of this Agreement and the Dispute Resolution in connection herewith shall
be governed by the laws of the People’s Republic of China.

 

5.2
If any Party hereto breaches the provisions hereof and leads to a failure to fully perform this Agreement, or makes any material
concealment or omission of fact, or makes any false representations and warranties herein, or fails to perform the warranties
made thereby, such Party shall constitute breach of contract, and shall assume corresponding liabilities for breach of contract
under law.

 

Article
6 Dispute Resolution

 

6.1
Any dispute arising out of the performance hereof shall be resolved through friendly consultation by the disputing Parties; should
the consultation fail, the Parties may institute arbitration proceedings;

 

6.2
The dispute shall be submitted to China International Economic and Trade Arbitration Commission Beijing Arbitration Center to
be arbitrated in Beijing according to its then effective arbitration procedures.

 

6.3
The award of the arbitration commission shall be final and binding on the Parties hereto. The arbitration cost (including but
not limited to the arbitration fee and attorney’s fee) shall be borne by the losing party, unless otherwise provided for
in the arbitration award.

 

Article
7 Miscellaneous

 

7.1
This Agreement shall come into effect immediately after being signed by the Parties.

 

7.2
The Parties shall faithfully perform this Agreement after it takes effect and any amendment made hereto shall be invalid unless
made in writing by the Parties after reaching a consensus through consultation.

 

7.3
The original of this Agreement is made in triplicate, with each Party holding one copy.

 

[It
is intentionally left blank below for signature]

 

    	 	4	 

     

    

 

[This
page is intentionally left blank for signature]

 

Lender:
Fortune Software (Beijing) Co., Ltd.

 

Official
seal:

 

Authorized
representative (signature):

 

Borrower
A: Xiaoqiao Sun

 

(Signature):

 

Borrower
B: Si Wang

 

(Signature):

 

 

5Exhibit
4.169

 

Strategic
Consulting Service Agreement

 

Jointly
signed by and between

 

Shenzhen
Ganlanren Investment & Management Co., Ltd.

 

and

 

Fortune
Software (Beijing) Co., Ltd.

 

April
2017

 

Beijing
China

 

    

     

    

 

Contents

 

	1
    Definitions	2
	2 Strategic
    Consulting Service	2
	3 Strategic
    Consulting Service Fee	3
	4 Representations
    and Warranties	3
	5 Confidentiality	3
	6 Governing
    Law and Liabilities for Breach of Contract	3
	7 Dispute
    Resolution	3
	8 Effectiveness
    and Term of Agreement	4
	9 No Survival	4
	10 Restriction
    on Transfer	4
	11 Indemnification	4
	12 Amendment
    to Agreement	4
	13 Counterparts	4
	14 Supplementary
    Provisions	4
	Appendix
    I Contents of Strategic Consulting Service	5
	Appendix
    II Strategic Consulting Service Fee	6

 

    	 	1	 

     

    

 

Strategic
Consulting Service Agreement

 

This
Strategic Consulting Service Agreement (hereinafter referred to as the “Agreement”) is concluded and signed on April
20, 2017 in Beijing of the People’s Republic of China (hereinafter referred to as “China”) by and between:

 

Party
A: Shenzhen Ganlanren Investment & Management Co., Ltd.

 

Address:
Suite 201, Building A, 1 Qianwan First Road, Qianhai Shenzhen-Hong Kong Cooperation Zone, Shenzhen.

 

Legal
representative: Baodong Sun

  

Party
B: Fortune Software (Beijing) Co., Ltd.

 

Address:
Suite 07, 7/F, Building 2, 26, 28 and 30 Xuanwumenwai Street, Xicheng District, Beijing

  

Party
A and Party B shall be referred to individually as a Party and collectively as the Parties.

 

Whereas:

 

1)
Party A is a limited liability company established and validly existing in China under laws and mainly engages in investment management
and other related businesses (“Business”);

 

2)
Party B is a limited liability company established and validly existing in China under laws and has expertise and resources in
strategic consulting in the aforesaid business field;

 

3)
Party A agrees to entrust Party B to provide strategic consulting service in the aforesaid field, and Party A agrees to accept,
under the terms and conditions hereunder, such consulting service provided by Party B.

 

The
Parties, in the principles of cooperation in good faith, equality & mutual benefit and joint development, make and enter into
an agreement as follows through friendly consultation in accordance with the provisions of related laws and regulations of China:

 

1
Definitions

 

For
the purpose of this Agreement, the following terms shall have the meaning as set forth below:

 

1.1
Agreement means this Strategic Consulting Service Agreement and the appendixes hereto as amended, verified and supplemented thereto
by the Parties in the form of written agreements officially signed from time to time;

 

1.2
China means the People’s Republic of China and, for the purpose of this Agreement, excludes Hong Kong, Taiwan and Macao.

 

1.3
Date means a certain day in a certain month of a certain year; “within” and “no later than” a certain
day in this Agreement include the given day.

 

2
Strategic Consulting Service

 

2.1
Contents of strategic consulting service (“Service”): Party A entrusts Party B to provide, as of the effective date
hereof, the strategic consulting Service listed in Appendix I (“Appendix I”).

 

2.2
Exclusive Service provider: Party B serves as the exclusive service provider of Party A and, Party A may not entrust other third
parties to provide the Services listed herein without the written consent of Party B.

 

    	 	2	 

     

    

 

3
Strategic Consulting Service Fee

 

3.1
Amount and payment: Party A shall pay the amount to Party B annually pursuant to Appendix II as the technical strategic consulting
Service fee (“Service Fee”).

 

3.2
Reasonable expenditure: various reasonable expenditures related to the Service, other than the Service Fee, including but not
limited to the expenses on traveling, board & lodging, transportation, communication, etc. which shall be collected by Party
B from Party A based on the amount actually incurred.

 

4
Representations and Warranties

 

4.1
Either Party hereby represents and warrants to the other Party as follows:

 

4.1.1
It has all necessary rights, powers and authorities to execute this Agreement and to perform all obligations and responsibilities
hereunder;

 

4.1.2
The execution or performance hereof does not breach any significant contract or agreement to which such Party is a party, nor
any significant contract or agreement binding on such Party or its assets.

 

5
Confidentiality

 

5.1
Without the prior consent of the Parties, any Party shall keep the contents hereof confidential and may not disclose the contents
hereof to any other person or make any release of such contents. Notwithstanding the foregoing provisions in this Article 5, the
provisions of this Article will not prohibit (i) any disclosure made pursuant to related laws of the United State, China or relevant
countries or the rules of any stock exchange; (ii) any disclosed information that is publicly known, which is not caused by the
default of the disclosing party; or (iii) any disclosure made by one Party to its shareholders, legal counsels, accountants, financial
adviser, or other professional advisers that have confidentiality obligations to such Party.

 

5.2
The Parties agree that this Article 5 shall remain effective, whether this Agreement is invalidated, amended, rescinded, or terminated
or not.

  

6
Governing Law and Liabilities for Breach of Contract

 

6.1
The formation, validity, interpretation, and performance of the Agreement and the Dispute Resolution in connection herewith shall
be governed by the laws of China.

 

6.2
If either Party hereto breaches the provisions hereof, fails to fully perform this Agreement, or makes any material concealment
or major omission of fact, or makes any false representations and warranties herein, or fails to perform the warranties made thereby,
such Party shall constitute breach of contract, and shall assume corresponding liabilities for breach of contract under law.

  

7
Dispute Resolution

 

7.1
Any dispute arising out of the performance of this Agreement shall be resolved by the disputing Parties through friendly consultation;
should the Parties fail to reach an agreement on dispute resolution within thirty (30) days after a Party proposes dispute resolution
through consultation, any Party may submit related dispute to China International Economic and Trade Arbitration Commission to
be arbitrated according to its then effective arbitration rules; the arbitral tribunal shall have one (1) arbitrator, who shall
be appointed by the chairman of China International Economic and Trade Arbitration Commission.

 

    	 	3	 

     

    

 

7.2
The dispute shall be submitted to China International Economic and Trade Arbitration Commission Beijing Arbitration Center and
arbitrated in Beijing according to its then effective arbitration procedures.

 

7.3
The award of the Arbitration Commission shall be final and binding on the Parties hereto. The arbitration cost (including but
not limited to the arbitration fee and attorney’s fee) shall be borne by the losing Party, unless otherwise provided for
in the arbitration award.

  

8
Effectiveness and Term of Agreement

 

8.1
Effectiveness: this Agreement shall take effect immediately after being signed by Party A and Party B.

 

8.2
Term: the term of this Agreement is twenty (20) years.

 

8.3
Renewal: unless Party B gives a thirty (30) days’ notice to Party A on its intention not to renew this Agreement, the term
hereof shall be automatically renewed for one-years terms thereafter upon the expiry hereof.

 

9
No Survival

 

9.1
Once upon the termination of this Agreement, Party B will assume no obligation to continue providing any Service hereunder to
Party A.

 

10
Restriction on Transfer

 

10.1
Without the prior written consent of the other Party hereto, no Party may transfer any right or obligation that it may have hereunder.

 

11.
Indemnification

 

11.1
If any Party does not abide by related obligations set forth by the Parties herein and thus causes loss to the other Party, it
shall provide full and effective indemnity to the other Party; if such Party causes the failure in cooperation, the other Party
shall have the right to propose terminating the Agreement, and the loss of the Party violating obligations shall be borne by itself.

 

12
Amendment to Agreement

 

12.1
The Parties shall faithfully perform this Agreement after it takes effect and any amendment hereto shall be invalid unless it
is made in writing after the Parties reach a consensus through consultation and after Party A and Party B have respectively obtained
necessary authorizations and approvals. The amendment agreement and supplementary agreement in connection herewith that have been
duly executed by the Parties are an integral part hereof and have the same legal effect with this Agreement.

 

13
Counterparts

 

13.1
The original of this Agreement is made in duplicate (2 counterparts), with Party A and Party B each holding one copy, having the
same legal effect.

 

14
Supplementary Provisions

 

14.1
The title and headings of this Agreement are for convenience only and may not affect the contents and interpretation of the body
of the Agreement.

 

14.2
For any matter not stated herein, the Parties shall make and conclude a supplementary agreement as an appendix hereto, which shall
constitute an integral part hereof and shall have the same legal effect with this Agreement.

 

[The
remainder of this page is intentionally left blank]

 

    	 	4	 

     

    

 

Appendix
I Contents of Strategic Consulting Service

 

To
the extent permitted by laws of China, the contents of the strategic consulting Service provided by Party B to Party A on the
basis hereof mainly include:

 

(1)
Evaluation of new products/Services;

 

(2)
Industry & customer survey;

 

(3)
Marketing strategy;

 

(4)
Training personnel for Party A; and

 

(5)
Other Services related to Party A’s Business.

 

    	 	5	 

     

    

 

Appendix
II Strategic Consulting Service Fee

 

The
strategic consulting Service Fee each year shall be 30% of the “profit” of Party A in such year. The “profit”
of Party A in the year means the balance of total income of Party A in such year after deduction of routine or non-routine sales
taxes, sales expenses, management expenses, financial expenses and other expenses, and such “profit” is the profit
before the payment of other Service Fees specified in the Binding Agreements. Such fee shall be fixed by Party A and Party B in
writing each quarter and shall be paid by Party A within three (3) months after the settlement date.

 

    	 	6	 

     

    

 

[This
page is intentionally left blank for signature]

This
Agreement is signed by the following Parties on the date first written above herein.

  

Party
A: Shenzhen Ganlanren Investment & Management Co., Ltd.

Official
seal:

Authorized
representative (signature):

  

Party
B: Fortune Software (Beijing) Co., Ltd.

Official
seal:

Authorized
representative (signature):

 

 

7

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