X Financial ^{Priced, NYSE: XYF}

We are a leading technology-driven personal finance company in China focused on serving China's underserved prime borrowers and mass affluent investors. Our major loan products include Xiaoying Card Loan, primarily a credit card balance transfer product, and Xiaoying Preferred Loan, a high-credit-limit unsecured loan product, both offer borrowers a combination of large credit line, long term and attractive APR in China. We offer attractive and diversified investment opportunities to investors in China through our wealth management platform, Xiaoying Wealth Management, which is one of the very few platforms able to enhance investors' confidence with insurance protection. We are (i) the largest player offering credit card balance transfer loan products in China in terms of outstanding loan balance as of June 30, 2018, (ii) the third largest player amongst non-traditional financial institutions offering high-credit-limit unsecured loans in China in terms of outstanding loan balance as of June 30, 2018, and (iii) the second largest online consumer finance marketplace offering multiple types of investment products in China in terms of transaction volume for the six months ended June 30, 2018, according to the Oliver Wyman Report.