X Financial (NYSE: XYF) (the “Company”) is a leading technology-driven personal finance company in China focused on serving China’s underserved prime borrowers and mass affluent investors, according to the Oliver Wyman Report. The Company’s platform, empowered by its risk management capabilities and technology, efficiently matches borrowers’ loan requests with investors’ investment demands and executes loan and investment transactions to provide borrowers with prompt funding, enabling X Financial to satisfy the financing needs of borrowers and meet the investment demands of investors. The Company utilizes data-driven and technology-empowered credit analysis and protection offered by ZhongAn’s credit insurance on its investment products which significantly enhances investor confidence. The strong credit performance and underlying insurance protection of the loans that the Company facilitates and its proven risk management and credit assessment capabilities enable it to attract a diversified and low-cost funding base to support its growth.
(The Company will provide a hard copy of its annual report containing the audited consolidated financial statements, free of charge, to its shareholders and ADS holders upon request. Requests should be directed to the Company's IR Department at firstname.lastname@example.org.)