Yiren Digital Investor Presentation — June 2020

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Investor Presentation

June 2020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 can beidentified byterminology such as“will,”“expects,” “anticipates,” “future,” “intends,” “plans,” “believes,” “estimates,”

“target,” “confident” andsimilar statements .

Such statements arebased uponmanagement’s current expectations and current market and operating conditions, and relate toevents that

involve known orunknown risks, uncertainties andother factors, allofwhich aredifficult topredict andmany ofwhich arebeyondYirendai’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 astoYirenDigital’s ability toattract andretain borrowers andinvestors

onitsmarketplace, itsability tointroduce new loan products andplatform enhancements, itsability tocompete effectively, PRC regulations and

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

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

NYSE’s continued listing criteria .

Further information regarding these and other risks, uncertainties orfactors isincluded inYirenDigital’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.Safe Harbor Statement

2Yiren Digital Overview 1

Business Highlights 2

Key Financial Highlights 3Yiren Digital

Leading digital financial services platform in China

Yiren Credit –Full spectrum of credit products with

online/offline customer services channels

Yiren Wealth –One stop asset allocation -based online wealth

management service for Mass Affluent Investors

Strong synergies between credit & wealth business to drive

Strong management team with deep experiencesLeading

Digital Personal Financial Service

Long Term ValuePositioning

CapitalConsumer Credit and