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Investor Presentaiton

Sophisticated risk management technologies and capabilities 1 2 3 4 Automated fraud detection Credit scoring and assessment Post-facilitation monitoring Loan collection ANALYSIS Analytic rules Anti-fraud team 厚 Social network analysis Multiple partners' joint efforts Anomaly detection -D User info Proprietary data Third-party data A Magic Mirror Model Massive database of fraud cases (1) Loan applicants with credit rating of VIII will be rejected. Excellent Poor II, II, III, ...VII, VII (1) N: ☐ Automated message reminder before due date Third-party collection service providers Al-enabled internal collection team 10 10

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