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Delinquency rates by vintage(1) Month on book 2nd 3rd 4th 5th 6th 7th 8th 9th 10th 11th 12th 2018Q1 1.37% 2.20% 2.99% 3.67% 4.32% 4.86% 5.23% 5.50% 5.66% 5.74% 5.77% 2018Q2 1.87% 3.12% 4.39% 5.46% 6.33% 6.99% 7.47% 7.80% 7.99% 8.08% 8.13% 2018Q3 1.45% 2.51% 3.53% 4.39% 2018Q4 1.43% 2.49% 3.55% 4.42% 5.18% 5.76% 5.09% 5.59% 5.97% 6.20% 6.54% 6.81% 6.28% 6.50% 6.64% 6.72% 7.01% 7.16% 2019Q1 1.34% 2.38% 3.45% 4.36% 5.13% 5.75% 6.22% 6.65% 6.99% 7.25% 7.43% 2019Q2 1.33% 2.34% 3.31% 4.18% 5.05% 5.82% 6.44% 6.98% 7.34% 7.50% 7.52% 2019Q3 1.02% 2.16% 3.42% 4.55% 5.64% 6.45% 6.92% 7.13% 7.20% 7.20% 7.15% 2019Q4 0.83% 2.07% 3.37% 4.45% 5.12% 5.50% 5.68% 5.79% 5.83% 5.80% 5.73% 2020Q1 0.81% 1.73% 2.46% 2.97% 3.35% 3.59% 3.71% 3.78% 3.82% 3.82% 3.80% 2020Q2 2020Q3 0.44% 0.92% 1.34% 1.65% 1.90% 2.08% 2.21% 2.30% 0.41% 0.81% 1.16% 1.47% 1.72% 2020Q4 0.36% 0.70% (1) The table display the historical cumulative 30-day plus as of Mar 31, 2021 represent past due delinquency rates by loan origination vintage for all loan products facilitated in Mainland China through the Company's online marketplace. 29 29

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