Yiren Digital Investor Presentation — July 2019

Document content

Investor Presentation

July 2019This material contains forward -looking statements .These statements constitute “forward -looking” statements within themeaning ofSection 21Eof

theSecurities 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 upon management’s current expectations and current market and operating conditions, andrelate toevents that

involve known orunknown risks, uncertainties andother factors, allofwhich aredifficult topredict andmany ofwhich arebeyond Yirendai’s control .

Forward -looking statements involve risks, uncertainties andother factors thatcould cause actual results todiffer materially from those contained in

anysuch statements .

Potential risks anduncertainties include, butarenotlimited to,uncertainties astoYirendai’s ability toattract andretain borrowers andinvestors on

itsmarketplace, itsability tointroduce new loan products and platform enhancements, itsability tocompete effectively, PRC regulations and

policies relating tothepeer-to-peer lending service industry inChina, general economic conditions inChina, andYirendai’s ability tomeet the

standards necessary tomaintain listing ofitsADSs ontheNYSE orother stock exchange, including itsability tocure anynon-compliance withthe

NYSE’s continued listing criteria .

Further information regarding these andother risks, uncertainties orfactors isincluded inYirendai’s filings with theU.S.Securities andExchange

Commission .Allinformation provided inthismaterial isasofthedate ofthismaterial, andYirendai does notundertake anyobligation toupdate any

forward -looking statement asaresult ofnew information, future events orotherwise, except asrequired under applicable law.Safe Harbor Statement

July 2019Yiren Digital Overview 1

Business Highlights 2

Key Financial Highlights 3The New Yirendai (Yiren Digital)

Leading digital financial services platform in China

Yiren Credit –Full spectrum of credit products with online/offline customer

Yiren Wealth –One stop asset allocation -based online wealth management

service for Mass Affluent Investors

Strong synergies between credit & wealth business to drive next phase

Unified business for Online Lending Registration

Enhanced management team with deep experiencesStrategic

Digital Personal Financial Service