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Investor Presentaiton

Diversified funding structure VCREDIT Trust lending and direct lending Credit- enhanced loan facilitation Pure loan facilitation CREDIT 维信金科 Licensed financing guarantee company Licensed small loan companies Trust lending: - Underwrite subordinated tranche of originated assets in trust - Provide guarantee Direct lending by our licensed microcredit subsidiaries - Select and recommend borrowers - Perform credit assessment - Provide guarantee Select and recommend borrowers - Provide credit assessment recommendation Capital-light operations for VCREDIT Funding partners Review and approve the loans Review and approve the loans Fund the loans - Fund the loans -Discretionary underwriting - Risk management - Joint modeling More active participation from funding partners ✓ 100% institutional funding Notes: (1) As of Dec 31, 2022 (2) Two wholly-owned online small loan companies which are allowed to do nationwide business ✓ Diversified and stable funding from 92(1) licensed funding partners 4
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