Yiren Digital Investor Presentation — November 2021

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Investor Presentation

Nov. 20212This material contains forward-looking statements. These statements constitute “forward-looking” statements within the meaning of Section 21E of

the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These forward-

looking statements can be identified by terminology such as “will,” “expects,” “anticipates,” “future,” “intends,” “plans,” “believes,” “estimates,”

“target,” “confident” and similar statements.

Such statements are based upon management’s current expectations and current market and operating conditions, and relate to events that

involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond Yirendai’s control.

Forward-looking statements involve risks, uncertainties and other factors that could cause actual results to differ materially from those contained in

any such statements.

Potential risks and uncertainties include, but are not limited to, uncertainties as to Yiren Digital’s ability to attract and retain borrowers and investors

on its marketplace, its ability to introduce new loan products and platform enhancements, its ability to compete effectively, PRC regulations and

policies relating to the credit-tech and wealth management business in China, general economic conditions in China, and Yiren Digital’s ability to

meet the standards necessary to maintain listing of its ADSs on the NYSE or other stock exchange, including its ability to cure any non-compliance

with the NYSE’s continued listing criteria.

Further information regarding these and other risks, uncertainties or factors is included in Yiren Digital’s filings with the U.S. Securities and

Exchange Commission. All information provided in this material is as of the date of this material, and Yiren Digital does not undertake any

obligation to update any forward-looking statement as a result of new information, future events or otherwise, except as required under applicable

law.Safe Harbor Statement3Key Financial Updates 1

Business Models and Strategies 2Contents4Q3 Highlights

Number of Active Investors2

Client Asset Per Investor1

4Q181Q192Q193Q194Q191Q202Q203Q204Q201Q212Q213Q21

Client Asset(left scale) Client Asset Per Investor (right scale)Wealth Management Gaining Traction

Note 1: Average client asset per investors refer to the investment in fund and short-term investing products per investor, excluding legacy products and insurance products.

Note 2: Active investors refer to those who have made at least one investment through our wealth management platform or have had client assets with us above zero in the past twelve months.6(RMB Million)