17907 X FINANCIAL VIF Proof 4 X FINANCIAL 年度股东大会日期：2021 年 12 月 29 日见背面的投票说明。 请按如下方式进行标记：x 仅使用笔 MAIL 在您的投票指示表上标记、签名并注明日期。 分离您的投票说明表。 在提供的 已付邮资的信封中退回您的投票指示表。 请在穿孔处小心分开，只将这部分退回提供的信封中。 _________________________________ __________________________ 请在此处签名请在 上方注明日期 请在此处签名请在 授权签名上方签名——此部分必须完成 才能执行您的指示。 X FINANCIAL 的年度股东大会将于2021年12月29日举行。对于截至2021年11月12日的持有人，所有选票必须在纽约时间2021年12月22日中午 12:00 之前收到。 版权所有 © 2021 Mediant Communications Inc. 版权所有 EVENT # CLIENT # PROXY TABULATOR FOR P.O. BOX 8016 CARY，NC 27512-9903 Directors 推荐 For Abostain 第 1 号提案：作为普通决议通过：选举 以下人员为董事根据公司经第二次修订和 重述的备忘录和章程，公司将接替董事 丁 (Gardon) Gao： a. kan (Kent) Li

17907 X FINANCIAL VIF Proof 4 X FINANCIAL Instructions to The Bank of New York Mellon, as Depositary (Must be received prior to 12:00 noon (NY Time) on December 22, 2021) The undersigned registered holder of American Depositary Receipts hereby requests and instructs The Bank of New York Mellon, as Depositary, to endeavor, in so far as practicable, to vote or cause to be voted the amount of shares or other Deposited Securities represented by such Receipt of X FINANCIAL registered in the name of the undersigned on the books of the Depositary as of the close of business on November 12, 2021 at the Annual General Meeting of Shareholders of X FINANCIAL to be held at 10:00 a.m., Beijing time, on December 29, 2021 at 7/F - 8/F, Block A, Aerospace Science and Technology Plaza, No. 168 Haide Third Avenue, Nanshan District, Shenzhen 518067, China. NOTE: 1. Please direct the Depositary how it is to vote by marking X in the appropriate box opposite the resolution. (Continued and to be marked, dated and signed, on the other side) PROXY TABULATOR FOR X FINANCIAL P.O. Box 8016 CARY, NC 27512-9903