17907 X FINANCIAL VIF Proof 4 X FINANCIAL 年度股東大會日期：2021 年 12 月 29 日見背面的投票説明。 請按如下方式進行標記：x 僅使用筆 MAIL 在您的投票指示表上標記、簽名並註明日期。 分離您的投票説明表。 在提供的 已付郵資的信封中退回您的投票指示表。 請在穿孔處小心分開，只將這部分退回提供的信封中。 _________________________________ __________________________ 請在此處簽名請在 上方註明日期 請在此處簽名請在 授權簽名上方簽名——此部分必須完成 才能執行您的指示。 X FINANCIAL 的年度股東大會將於2021年12月29日舉行。對於截至2021年11月12日的持有人，所有選票必須在紐約時間2021年12月22日中午 12:00 之前收到。 版權所有 © 2021 Mediant Communications Inc. 版權所有 EVENT # CLIENT # PROXY TABULATOR FOR P.O. BOX 8016 CARY，NC 27512-9903 Directors 推薦 For Abostain 第 1 號提案：作為普通決議通過：選舉 以下人員為董事根據公司經第二次修訂和 重述的備忘錄和章程，公司將接替董事 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