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Investor Presentaiton

Delinquency rates by balance (1) Delinquent for 15-29 days 30-59 days 60-89 days 90-179 days March 31, 2018 0.87% 2.11% 2.43% 8.01% June 30, 2018 0.83% 1.21% 1.05% 4.61% September 30, 2018 1.03% 1.77% 1.49% 3.37% December 31, 2018 0.92% 1.63% 1.41% 4.23% March 31, 2019 0.80% 1.61% 1.45% 3.80% June 30, 2019 0.86% 1.42% 1.37% 3.66% September 30, 2019 0.90% 1.50% 1.35% 3.68% December 31, 2019 1.34% 2.40% 1.86% 4.91% March 31, 2020 1.34% 3.03% 2.33% 7.25% June 30, 2020 0.71% 1.36% 1.70% 7.13% September 30, 2020 0.46% 0.72% 0.74% 3.40% December 31, 2020 0.35% 0.55% 0.48% 1.56% March 31, 2021 0.29% 0.52% 0.43% 1.13% (1) Delinquency rate by balance is defined as the balance of outstanding principal for loans facilitated in Mainland China that were 15-29, 30-59, 60-89, 90-179 calendar days past due as of the date indicated as a percentage of the total outstanding principal for loans, excluding those at 180+ days delinquent, as of the same date. 28
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