Investor Presentaiton

Robust credit risk management capability enhanced by cutting-edge technology Note: B Interception engine CREDIT 维信金科 Policies and 24/7 Fully automated transaction process enabled by 'Smart lending' technology 阆 rules engine Scorecard engine Machine- learning engine Anti-fraud engine User portrait engine Decisioning engine 90+ data sources Big data engine 20+ unique scorecards 100% online customer acquisition 84% repeat borrowing rate (1) Robust risk management enabled by our advanced technology (1) Represent the percentage of loan volume generated by existing borrowers who have successfully borrowed on our platform before 14 14

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