X Financial Investor Relations Material

X Financial, listed on the NYSE under the ticker XYF, is a technology-driven personal finance company based in Shenzhen, China. Founded in 2014, the company operates an online marketplace that connects borrowers with institutional funding partners. X Financial's primary products include Xiaoying Card Loan and Xiaoying Preferred Loan. The company also provides home equity loans through the Xiaoying housing loan product and offers investment products such as funds, money market, and insurance products via the Xiaoying Wealth Management platform. Additionally, X Financial engages in technology development, consulting, and guarantee services. The company is headquartered in Shenzhen, China, and its shares are listed on the NYSE.