Q4 & Full Year 2017 Investor Presentation WARDED2014\7. Analyst - PowerPoint PPT Presentation

Q4 & Full Year 2017 Investor Presentation

WARDED2014\7. Analyst Presentation\Cruise_AP_v31.pptx Safe Harbor Statement This material contains forward- looking statements. These statements constitute “forward - looking” statements within the meaning o f Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These forward- looking statements can be identified by terminology such as “will,” “expects,” “anticipates,” “future,” “intends,” “plans,” “believes,” “estimates,” “target,” “confident” and similar statements. Such statements are based upon management’s current expectations and current market and operating conditions, and relate to e vents that involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond Yirendai’s control. Forward-looking statements involve risks, uncertainties and other factors that could cause actual results to differ materially from those contained in any such statements. Potential risks and uncertainties include, but are not limited to, uncertainties as to Yirendai’s ability to attract and retain borrowers and investors on its marketplace, its ability to introduce new loan products and platform enhancements, its ability to compete effectively, PRC regulations and policies relating to the peer-to-peer lending service industry in China, general economic conditions in China, and Yirendai’s ability to meet the standards necessary to maintain listing of its ADSs on the NYSE or other stock exchange, including its ability to cure any non-compliance with the NYSE’s continued listing criteria. Further information regarding these and other risks, uncertainties or factors is included in Yirendai’s filings with the U.S. Securities and Exchange Commission. All information provided in this material is as of the date of this material, and Yirendai does not undertake any obligation to update any forward-looking statement as a result of new information, future events or otherwise, except as required under applicable law. 2 2

Yirendai at a Glance WARDED2014\7. Analyst Presentation\Cruise_AP_v31.pptx Our founders started CreditEase in 2006, and created our online-dedicated business, Yirendai, in 2012 A leading FinTech company in China Targeting prime consumers Online wealth management for investors Full end-to-end online automation with open technology enabling platform (1) The process is fully automated end to end with additional support for specific needs, such as referrals, verification of certain information, and collections. 3 3

The Leading Fintech Company in China WARDED2014\7. Analyst Presentation\Cruise_AP_v31.pptx FIRST lending mobile app in China at scale Asian Banker Award LARGEST online platform for consumption loans (1) WELL-KNOWN brand name in China for FinTech Ranked #1 among 2000+ online lending platforms (2) RMB 1.1 M 1.3 M 73.9 Billion Cumulative Loan Cumulative Number of Cumulative Number Facilitations (3) Borrowers (3) Of Investors (3) (1) Ranked No. 1 by outstanding loan balance by wdzj.com (2) Ranked No. 1 in the Online Lending Platform Development Index by wdzj.com since April 2017 (3) From inception in March 2012 through December 2017 4 4

Addressing China’s Consumer Finance Needs WARDED2014\7. Analyst Presentation\Cruise_AP_v31.pptx Traditional Yirendai Banking Solution Focus on Enterprise Huge Unmet Consumer Lending and High Net Credit and Wealth Worth Individuals Management Opportunity Market Innovative Online Offline Branch Offices Marketplace Model Leveraging Big Data and Long Application Time Machine Learning Business Model End-to-end Automation (1) Legacy Systems Back-end Processing Mobile Leadership Technology 5 5 (1) The process is fully automated end to end with additional support for specific needs, such as referrals, verification of certain information, and collections.

WARDED2014\7. Analyst Presentation\Cruise_AP_v31.pptx Leading Fintech Company Wealth Management Consumer Credit Prime Mass Affluent Borrowers Investors Yirendai Yiren Wealth Personalized Wealth Diversified Loan Management Products Services Housing Insurance Standard Fast Track ETF Provident Fund Mutual Funds Robo Advisor Policy Loans Insurance Loans Loans Loans 6 6

Investment Highlights

WARDED2014\7. Analyst Presentation\Cruise_AP_v31.pptx Key Investment Highlights 1 Largely Untapped Consumer Credit & Wealth Management Market 2 Leading FinTech Company in China 3 Strong Online Credit Business Growth with Leading Market Share 4 Superior Asset Performance with Leading Online Risk Underwriting Capabilities 5 Fast Growing Online Wealth Management Platform 6 Superior Technology Enabling Platform 8 8

WARDED2014\7. Analyst Presentation\Cruise_AP_v31.pptx Large Wealth Management Market 1 Wealth Management Market in China China’s wealth management market (By population with investable assets of above RMB 600K, is heavily dominated by retail (over million) 70%) 28 17 Individual wealth management market is just taking off (individual investable assets expected to 2015 2020E increase from USD 19 trillion in (By amount of investable assets, USD trillion) 2015 to USD 34 trillion in 2020 ) 34 Online wealth management 19 platforms well-positioned to capture the huge market opportunity 2015 2020E 9 9 Source: The Boston Consulting Group, Forbes and Bain & Company. RMB / USD = 6.54.

WARDED2014\7. Analyst Presentation\Cruise_AP_v31.pptx Large Unsecured Consumer Credit Demand (1) 1 Unsecured Consumer Finance Market in China (1) Immediately addressable market : prime borrowers with unmet unsecured (By outstanding loan balance, USD Billion) credit needs 1,885 • USD 666 billion in 2015 • USD 1,885 billion expected in 2019 Future target market may extend to 666 broader unmet unsecured credit needs • New products (ie. line of credit product) • Generation Z (tech-savy) 2015 2019E Source: iResearch; RMB / USD = 6.54 10 10 (1) Outstanding balance of unsecured consumption loans in China, such as credit cards and other unsecured loans from banks and other consumer financing companies.

WARDED2014\7. Analyst Presentation\Cruise_AP_v31.pptx A Leading Fintech Company in China 2 RMB 1.1 M 1.3 M 73.9 Billion Cumulative Cumulative Cumulative loan number of investors (1) number of borrowers (1) facilitations (1) RMB 233,374 202,370 40.6 Billion Number of investors Number of borrowers in Q4 2017 Remaining principal of in Q4 2017 performing loans (2) (1) From inception in March 2012 through December 2017 (2) As of Dec 31, 2017 11 11

WARDED2014\7. Analyst Presentation\Cruise_AP_v31.pptx Expanding Borrower Universe and Investor Base 3 Cumulatively Registered Borrowers Cumulatively Registered Investors (million) (million) 64 7 6.5 54.4 56 6 48 5 40 4 32 3 24 2 16 1 8 0 0 1Q152Q153Q154Q151Q162Q163Q164Q161Q172Q173Q174Q17 1Q152Q153Q154Q151Q162Q163Q164Q161Q172Q173Q174Q17 Cumulatively Served Borrowers Cumulatively Served Investors 1200 (thousand) (thousand) 1,093 1400 1,300 1000 1200 800 1000 800 600 600 400 400 200 200 0 0 1Q15 2Q15 3Q15 4Q15 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 12 12

WARDED2014\7. Analyst Presentation\Cruise_AP_v31.pptx 3 Strong Momentum in Online Growth Number of Online Borrowers Online Loan Volume Online vs. Offline Loan Volume (Thousand) (RMB Bn) (RMB Bn) 473.0 22.5 22.5 7.8 184.4 7.8 18.9 12.7 2016 2017 2016 2017 2016 2017 Online loan volume Offline loan volume 13 13

Extensive Data Set and Credit Decisioning WARDED2014\7. Analyst Presentation\Cruise_AP_v31.pptx 4 Capabilities Proprietary Extensive Data Set Risk Grid Decisioning Platform I Big Data Aggregation & Analysis 400+ Bank Location Decisioning Rules Statements Developed II FICO 1,000,000+ PBOC Credit Chinese Credit Card Market Report Fraud Detection Points Online Banking Statements Adaption III 11 Years Loan Data Cloud Data Ownership Computing (CreditEase) Retention Housing Mobile Carrier Provident Fund Data IV Machine Learning Yiren Score Artificial E-commerce Insurance Intelligence Records Policy V 14 14

WARDED2014\7. Analyst Presentation\Cruise_AP_v31.pptx Yiren Wealth: Strong Growth Momentum 5 Investment Yield AUM Per Investor Reach New High (%) (RMB 000) (RMB Bn) 9.5 50 144.3 150 9.2 8.9 9.0 42.0 8.7 119.2 40 120 8.5 8.2 103.2 8.0 7.9 7.9 8.0 7.9 32.4 89.3 30 83.8 90 7.5 27.0 76.8 62.0 23.2 7.0 19.8 20 60 53.3 16.4 6.5 13.5 10.9 6.0 10 30 5.5 5.0 0 0 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 AUM AUM Per Investor 15 15

WARDED2014\7. Analyst Presentation\Cruise_AP_v31.pptx Superior Technology Enabling Platform 6 Launched in March Yirendai Enabling Platform (YEP) 2017 40 industry Technology Customer Risk partners Enabling Acquisition Management connected as of December 31, 2017 RMB 95 million of revenue in FY 2017 16 16

Financial Highlights