Investor Presentaiton

We continue to target customer life-time value higher CREDIT 维信金科 Higher life-time value Target higher profit on single loan basis Sustainable revenue with brand recognition and customer loyalty Enhanced customer experience through refined operation Refine customer segmentation schemes Improve customer engagement CREDIT 维信金科 Target high- quality customers Connect to high-quality channels Be more selective in customer acquisition Test & Learn Model Implement new generation multi-dimensional scorecards Evolve technology and artificial intelligence Optimize underwriting processes ANALY 16

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