Document:

Exhibit 4.166

 

Right
of First Refusal & Cooperation Agreement 

 

Entered
into by and among

 

Fortune
Software (Beijing) Co., Ltd.

 

Xiaowei
Wang

 

Jing
Zhang

 

And

 

RIFA
Yunling (Beijing) Technology Co., Ltd.

 

May
20, 2017

 

Beijing
China

 

     

     

    

 

Right of First Refusal & Cooperation Agreement

 

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

 

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

 

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

 

Legal
representative: Zhiwei Zhao

 

Party
B: Xiaowei Wang

 

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

 

ID
card No.: 110102197103050023

 

Party
C: Jing Zhang

 

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

 

ID
card No.: 110108197403072740

 

Party
D: RIFA Yunling (Beijing) Technology Co., Ltd.

 

Registered
address: 7355, 7/F, 271 A Fuchengmenwai Street, Xicheng District, Beijing

 

Legal
representative: Dan Guo

 

Whereas:

 

		(1)	Party A, a limited liability company duly organized and
validly existing in Beijing, provides technical support, strategic consulting and other related services to Party D; Party A presently
has become an important partner of Party D;

 

		(2)	In order to financially aid Party B and Party C in the
investment in Party D, Party A signed a Loan Agreement on April 20, 2017 and May 20, 2017 with Party B and Party C respectively,
providing a loan of RMB 6,000,000 and RMB 4,000,000 to Party B and Party C respectively; Party B and Party C used such loan to
become a shareholder of Party D and held respectively 60% and 40% of the equities of Party D;

 

    	 	2	 

     

    

 

		(3)	In order to secure Party D’s payment obligation under
the agreements signed thereby with Party A, Party B and Party C signed an Equity Pledge Contract (hereinafter referred to as the
“Pledge Contract”) with Party A on April 20, 2017, pledging their equities in Party D respectively to Party
A; and

 

		(4)	Party B and Party C intend to authorize the exclusive option
to Party A to purchase at any time all or part of the equities/assets of Party D held by both or one of Party B and Party C subject
to the satisfaction of the requirements of laws of China.

 

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 in accordance with the provisions of related laws and regulations of the People’s
Republic of China:

 

Article
1 Definitions

 

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

 

		1.1.	Agreement means this Right of First Refusal & Cooperation
Agreement, the appendixes hereto and written documents made by the Parties hereto from time to time on amendment to and change
of contents in the form of officially signing written agreements;

 

		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.

 

Article
2 Authorization and Exercise of Right of First Refusal

 

		2.1	The Parties agree that Party A has the exclusive option
and may, under the condition of conforming to the requirements of laws of China and the provisions hereof (including but not limited
to when Party B and/or Party C, people are no longer directors or employees of Party D, or intend to transfer equities to any
person who is not a present shareholder), purchase at any time all or part of Party B and/or Party C’s equities or all or
part of the assets owned by Party D corresponding to such equities; such option may be exercised by Party A or an eligible entity
designated by Party A. Such authorization is irrevocable during the term hereof.

 

		2.2	Party A may exercise the option by firstly sending a written
notice (“Notice of Exercise”) to either Party B, Party C or Party D.

 

		2.3	Party B, Party C or Party D (as the case may be) shall
sign a contract for transfer of equities/assets and other documents for implementation of transfer (collectively referred to as
“Transfer Documents”) with Party A (or an eligible entity designated thereby) within thirty (30) days after receiving
the Notice of Exercise.

 

    	 	3	 

     

    

 

		2.4	If permitted by law and if Party A makes the decision to
exercise the option, Party B, Party C and Party D must unconditionally cooperate with Party A in handling all necessary approvals,
permits, registrations, filings and other formalities for the transfer.

 

Article
3 Representations and Warranties

 

Either
Party hereby represents and warrants to the other Parties that:

 

		3.1	Either Party hereby represents and warrants to the other
Parties as follows: (1) it has all necessary rights, capacities and authorities to execute and perform all obligations and responsibilities
hereunder; (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 such Party or its assets.

 

		3.2	Party B and Party C represent and warrant to Party A as
follows: (1) he/she is a legally registered shareholder of Party D and he/she has fully paid to Party D its share of the registered
capital of Party D pursuant to the requirements of laws of China; (2) save and except the right of pledge established under the
Pledge Contract, Party D’s equities held hereby is free of any other mortgage, pledge, security interest or encumbrances
of other forms; (3) he/she does not sell or offer for sale Party D’s equities to any other parties.

 

		3.3	Party D hereby represents and warrants to Party A as follows:
(1) it is a limited liability company organized and validly existing under the laws of China; (2) its business operation conforms
to the provisions of laws of China in all material aspects.

 

Article
4 Exercise Price

 

When
permitted by applicable laws, Party A (or an eligible entity designated thereby) shall have the right to purchase, at the price
equal to the sum of the principals lent by Party A to Party B and Party C under the Loan Agreement (RMB 10,000,000), at
any time Party D’s equities held by Party B and/or Party C or all or part of the assets owned by Party D and corresponding
to such equities. If Party A (or an eligible entity designated thereby) chooses to purchase part of the equities or assets, the
exercise price shall be adjusted appropriately according to the proportion of the equities or assets to be purchased to the total
equities of assets. When purchasing, pursuant to the provisions hereof, Party B and/or Party C’s equities from Party B, Party
C and Party D or all or part of the assets owned by Party D and corresponding to such equities, Party A (or an eligible entity
designated thereby) shall have the right to set off the principal owed by Party B and Party C to Party A under the Loan Agreement
against the purchase price payable to Party B and Party C. When Party A actually purchases the equities or assets from Party B,
Party C and Party D pursuant to the provisions hereof, if the exercise price required by relevant laws of China or the approval
authority is higher than the exercise price specified above herein, the exercise price actually paid by Party A shall be subject
to the price required by relevant laws or the approval authority.

 

    	 	4	 

     

    

 

Article
5 Other Stipulations

 

The
Parties further agree:

 

		5.1	Before Party A (or an eligible entity designated thereby)
exercises the Right of First Refusal to obtain all equities or assets, Party D may not:

 

		5.1.1	Sell, transfer, mortgage or dispose otherwise lawful or
beneficial interest in any assets, business or income, or permit the establishment of any other security interest therein (save
and except those generated in the normal or routine business process or those that have been disclosed to Party A and obtain the
written consent of Party A);

 

		5.1.2	Conclude any transaction that will materially affect its
assets, liabilities, operation, equities and other lawful rights (save and except those generated in the normal or routine business
process or those that have been disclosed to Party A and obtain the written consent of Party A); and

 

		5.1.3	Pay out dividends to shareholders in any form.

 

		5.2	Before Party A (or an eligible entity designated thereby)
exercises the Right of First Refusal to obtain all equities or assets, Party B and/or Party C may not, jointly or solely,:

 

		5.2.1	Supplement, amend or change the constitutional documents
of the company in any form, and such supplementation, amendment or change will materially affect its assets, liabilities, operation,
equities and other lawful rights (save and except proportionate increase of capital carried out to satisfy the requirements of
law);

 

		5.2.2	Cause Party D to conclude any transaction that will materially
affect its assets, liabilities, operation, equities and other lawful rights (save and except those generated in the normal or
routine business process or those that have been disclosed to Party A and obtain the written consent of Party A); and

 

		5.2.3	Cause the board of shareholders of Party D to adopt resolutions
on payout of dividend.

 

    	 	5	 

     

    

 

		5.3	After the signature of this Agreement, Party B and Party
C (the “Principal”) shall sign a power of attorney satisfactory to Party A, authorizing the person designated by Party
A (hereinafter referred to as the “Trustee”) to exercise on behalf thereof all voting rights owned thereby as the
holder of Party B and Party C’s equities, including but not limited to appointment and selection of directors, general manager
and other senior managers of Party D as the authorized representative of Party B and Party C at the shareholders’ meeting
of Party D. The initial term of such power of attorney shall be 20 years, and such term shall be automatically extended upon the
expiry of the initial term, unless Party A notifies the Principal in writing to terminate such power of attorney. The aforesaid
authorization and entrustment are preconditioned on that the “Trustee” is a Chinese citizen and an employee of Party
A and that Party A gives consent to such authorization and entrustment. Once the “Trustee” no longer holds any post
in Party A or Party A gives a written notice on replacing the “Trustee”, Party B and/or Party C will immediately withdraw
the entrustment and authorization given to the “Trustee”, and will designate/authorize Party A’s another Chinese-citizen
employee to exercise the aforesaid shareholder’s voting power enjoyed thereby at the shareholders’ meeting of Party
D. The Trustee shall perform the Trustee’s obligations prudently and diligently under law within the scope of authorization
and shall hold the Principal harmless from and against any loss/damage that may arise out of the authorization and entrustment
(save and except the loss/damage suffered by the Principal due to the intentional act or gross negligence of the Principal); otherwise,
the Trustee shall assume all legal and economic liabilities to the Principal and Party D under law.

 

		5.4	If permitted by applicable law, Party B and Party C will
correspondingly extend the term of operation of Party D according to the approved term of operation of Party A so that the term
of operation of Party D will be the same as that of Party A.

 

		5.5	If Party D has demand for fund as required by operation,
Party A will, or will arrange a related company to, provide a loan to Party D in manners permitted by laws. If the loss suffered
by Party D makes it to be unable to repay the loan, Party A agrees to or causes the related company to waive the right of recourse
with respect to such loan.

 

		5.6	Where Party B and/or Party C perform, as agreed, the obligations
under this Agreement and any other business agreements concluded with Party A, if such performance incurs any legal and economic
obligations to any institutions and individuals other than Party A, Party A shall give all necessary support so as to enable Party
B and Party C to perform corresponding obligations and to hold Party B and/or Party C from and against any loss/damage.

 

Article
6 Confidentiality

 

Without
the prior consent of the other Parties, either Party shall maintain the confidentiality of the contents hereof, and may not disclose
or publish the contents of this Agreement to any other persons, 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 is publicly
available, which is not caused by the default of the disclosing party; (iii) any disclosure made by either party to its shareholders,
legal counsels, accountants, financial counsels, and other professional counsels; or (iv) disclose made to the potential buyers
or other investors of the equities/assets of either 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 Party A, the consent of Party A shall be obtained).

 

    	 	6	 

     

    

 

Article
7 Governing Law and Liabilities for Breach of Contract

 

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

 

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

 

Article
8 Dispute Resolution

 

		8.1	Any dispute arising with respect to the performance hereof
shall be resolved by the disputing Parties through friendly consultation; should the consultation fail, the Parties may institute
arbitration proceedings;

 

		8.2	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;

 

		8.3	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
9 Effectiveness of Agreement

 

This
Agreement shall take effect and continue to be effective after being signed by the Parties.

 

Party
A may rescind this Agreement by giving a thirty days’ notice to the other Parties. Except for the foregoing, no other Parties
may unilaterally rescind this Agreement without the consensus reached by the Parties through consultation.

 

Article
10 Amendment to Agreement

 

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 Party A and Party D have respectively obtained necessary
authorizations and approvals.

 

Article
11 Counterparts

 

This
Agreement is made in quadruplicate, with Party A, Party B, Party C and Party D each holding one copy.

 

Article
12 Supplementary Provisions

 

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

 

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

 

[It
is intentionally left blank below for signature]

 

    	 	7	 

     

    

 

[This
page is intentionally left blank for signature]

 

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

 

Official seal:

 

Authorized
representative (signature):

  

Party
B: Xiaowei Wang

 

Signature:

 

Party
C: Jing Zhang

 

Signature:

 

Party
D: RIFA Yunling (Beijing) Technology Co., Ltd.

 

Official
seal:

 

Authorized
representative (signature):

 

    	 	8Exhibit
4.167

 

Operation
Agreement

 

Jointly
signed by and between

 

Fortune
Software (Beijing) Co., Ltd.

and

RIFA
Yunling (Beijing) Technology Co., Ltd.

 

 

April
2017

 

    

     

    

 

Beijing
China

 

Contents

 

	1
    Definitions	2
	2
    Operation Support	3
	3
    Obligations of Party B	3
	4
    Consideration for Operation Support	4
	5
    Representations and Warranties	4
	6
    Confidentiality	4
	7
    Governing Law and Liabilities for Breach of Contract	4
	8
    Dispute Resolution	5
	9
    Effectiveness and Term of Agreement	5
	10
    No Survival	5
	11
    Amendment to Agreement	5
	12
    Counterparts	6
	13
    Supplementary Provisions	6
	Appendix
    I Consideration for Operation Guarantee	7

 

    	 	1	 

     

    

 

Operation
Agreement

 

This
Operation Agreement (hereinafter referred to as “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: Fortune Software (Beijing) Co., Ltd.

 

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

Legal
representative: Zhiwei Zhao

 

Party
B: RIFA Yunling (Beijing) Technology Co., Ltd.

 

Registered
address: 7355, 7/F, 271 A Fuchengmenwai Street, Xicheng District, Beijing

 

Legal
representative: Dan Guo

 

Whereas:

 

1)
Party A is a limited liability company organized and validly existing under the laws and China, and it has expertise and resources
in technical development and related businesses and provides technical support to Party B in the aforesaid service operation;

 

2)
Party B is a limited liability company organized and validly existing under the laws and China and, in order to promote its expansion
and development of business in the aforesaid service fields, employs Party A to provide support in such business operation.

 

3)
Party A and Party B have signed the technical support agreement and strategic consulting agreement (collectively referred to as
the “Bundled Agreements”) and established certain business relations.

 

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 Operation Agreement, the appendixes hereto and written documents made, in the form of officially signing
written agreements, by the Parties hereto from time to time on amendment to, change of and supplementation to contents;

 

    	 	2	 

     

    

 

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
Operation Support

 

2.1
Party A agrees, as required by Party B’s operation, to serve as the warrantor of Party B in the operation-related contracts,
agreements or transactions between Party B and a third party and to fully warrant the performance of such contracts, agreements
or transactions by Party B.

 

2.2
Party A agrees, as required by Party B’s operation, to recommend directors and senior managers to Party B, and Party B agrees
to appoint the persons recommended by Party A as its directors and senior managers. Related persons recommended by Party A pursuant
to this Article shall meet the qualification requirements of laws for directors and senior managers.

 

2.3
In order to ensure the performance of this Agreement, Party A agrees to provide suggestion and guidance for the cooperation policy
that conforms to routine operation and financial management of Party B and to the employment and dismissal of Party B’s
employees.

 

3
Obligations of Party B

 

3.1
Party B agrees that, unless it obtains the prior written consent of Party A, it will not carry out any of the following matters
that will seriously affect its assets, rights, obligations or operation (save and except contracts and agreements signed by Party
B in routine operation, and sale or purchase of assets; and the lien required the counterparties pursuant to the aforesaid contracts),
including but not limited to:

 

3.1.1
Raising a loan or taking any debt from any third party;

 

3.1.2
Selling to or obtaining from any third party any asset or right; and

 

3.1.3
Providing real guarantee to any third party with its assets.

 

3.2
Without the written consent of Party A, Party B may not transfer its rights and obligations hereunder to any third person. Party
B agrees that, if required by Party A, Party A may transfer its rights and obligations hereunder, and that Party A is only required
to notify Party B in writing after such transfer without obtaining any consent from Party B.

 

    	 	3	 

     

    

 

4
Consideration for Operation Support

 

4.1
On the basis of the aforesaid operation support provided by Party A, Party B shall pay a certain amount to Party A pursuant to
Appendix I as the consideration for operation support.

 

5
Representations and Warranties

 

5.1
Either Party hereby represents and warrants to the other Party as follows:

 

5.1.1
It has all necessary rights, powers and authorities to execute this Agreement and to perform all obligations and responsibilities
hereunder;

 

5.1.2
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.

 

6
Confidentiality

 

6.1
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, 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.

 

6.2
The Parties agree that this Article 6 shall remain effective, whether this Agreement is invalidated, amended, rescinded, or terminated
or not.

 

7
Governing Law and Liabilities for Breach of Contract

 

7.1
The formation, validity, interpretation, and performance of this Agreement and the Dispute Resolution in connection herewith shall
be governed by the laws of China.

 

7.2
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.

 

    	 	4	 

     

    

 

8
Dispute Resolution

 

8.1
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 three arbitrators, two of whom
shall be appointed respectively by the Parties hereto, and the third arbitrator shall be appointed by the chairman of China International
Economic and Trade Arbitration Commission.

 

8.2
The dispute shall be submitted to China International Economic and Trade Arbitration Commission Beijing Arbitration Center and
arbitrated in Beijing according to the then effective arbitration procedures of such Commission;

 

8.3
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.

 

9
Effectiveness and Term of Agreement

 

9.1
Effectiveness: this Agreement shall take effect immediately after being signed by Party A and Party B.

 

9.2
Term: the term of this Agreement shall be ten years, during which Party B may not cancel this Agreement.

 

9.3
Renewal: unless Party A gives a thirty (30) days’ notice to Party B on its intention not to renew this Agreement, the term
hereof shall be automatically renewed for one-years terms thereafter upon the expiry hereof.

 

10
No Survival

 

10.1
Once upon the termination of this Agreement, Party A will assume no obligation to continue providing any operation support hereunder
to Party B.

 

11
Amendment to Agreement

 

11.1
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.

 

    	 	5	 

     

    

 

12
Counterparts

 

12.1
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.

 

13
Supplementary Provisions

 

13.1
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.

 

13.2
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 as this Agreement.

 

[The
remainder of this page is intentionally left blank]

 

    	 	6	 

     

    

 

Appendix
I Consideration for Operation Guarantee

 

The
consideration for operation support each year is 40% of the “profit” of Party B in such year. The “profit”
of Party B in the year means the balance of total income of Party B 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 Bundled Agreements. Such consideration shall be fixed by Party A and
Party B in writing each quarter and shall be paid by Party B within three (3) months after the settlement date.

 

    	 	7	 

     

    

 

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

 

Official
seal:

 

Authorized
representative (signature):

 

Party
B: RIFA Yunling (Beijing) Technology Co., Ltd.

 

Official
seal:

 

Authorized
representative (signature):

 

 

 

8

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