Yiren Digital Investor Presentation — August 2024

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August ,2024Yiren Digital

Investor Presentation

This presentation hasbeen prepared byYiren Digital solely forinformation purposes .This presentation does notconstitute anoffer tosellorissue oraninvitation

orrecommendation topurchase orsubscribe foranysecurities oftheCompany forsale intheUnited States oranywhere else.

This material contains forward -looking statements .These statements constitute “forward -looking” statements within themeaning ofSection 21EoftheSecurities

Exchange Actof1934 ,asamended, andasdefined intheU.S.Private Securities Litigation Reform Actof1995 .These forward -looking statements canbeidentified

byterminology such as“will”,“expects”, “anticipates”, “future”, “intends” ,“plans”,“believes”, “estimates”, “target”, “confident” andsimilar statements .

Such statements arebased uponmanagement’s current expectations andcurrent market andoperating conditions, andrelate toevents thatinvolve known or

unknown risks, uncertainties andother factors, allofwhich aredifficult topredict andmany ofwhich arebeyond Yiren Digital’s control .Forward -looking statements

involve risks, uncertainties andother factors thatcould cause actual results todiffer materially from those contained inanysuch statements .

Potential risks and uncertainties include, butarenotlimited to,uncertainties astoYiren Digital’s ability toattract and retain borrowers and investors onits

marketplace, itsability tointroduce new loan products andplatform enhancements, itsability tocompete effectively ,PRC regulations andpolicies relating tothe

credit -tech and wealth management business inChina, general economic conditions inChina, and Yiren Digital’s ability tomeet thestandards necessary to

maintain listing ofitsADSs ontheNYSE orother stock exchange, including itsability tocure anynon-compliance withtheNYSE’s continued listing criteria .

Further information regarding these and other risks, uncertainties orfactors isincluded inYiren Digital’s filings with theU.S.Securities and Exchange

Commission .Allinformation provided inthismaterial isasofthedate ofthismaterial, andYiren Digital does notundertake anyobligation toupdate anyforward -

looking statement asaresult ofnew information, future events orotherwise, except asrequired under applicable law.Our Vision

“Our vision is to elevate customers' life quality by delivering AI -powered

digital services, while also empowering the technological capabilities of

Better tech. Better life.01Company OverviewA Leading AI -Driven Financial & Lifestyle Services Platform

Diversified Business Lines Driving Innovation and Value

Financial Services Life & Property Insurance Consumption and lifestyle