0001104659-21-057556 Sample Contracts

Exclusive Option Agreement
Exclusive Option Agreement • April 29th, 2021 • Yiren Digital Ltd. • Finance services

This Exclusive Option Agreement (this “Agreement”) is executed by and among the following Parties as of October 27, 2020 in Beijing, the People’s Republic of China (“China” or the “PRC”):

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Equity Interest Pledge Agreement
Equity Interest Pledge Agreement • April 29th, 2021 • Yiren Digital Ltd. • Finance services

This Equity Interest Pledge Agreement (this “Agreement”) has been executed by and among the following parties on October 27, 2020 in Beijing, the People’s Republic of China (“China” or the “PRC”):

Loan Agreement
Loan Agreement • April 29th, 2021 • Yiren Digital Ltd. • Finance services

This Loan Agreement (this “Agreement”) is made and entered into by and between the Parties below as of April 21, 2021 in Beijing, China:

Exclusive Business Cooperation Agreement
Exclusive Business Cooperation Agreement • April 29th, 2021 • Yiren Digital Ltd. • Finance services

This Exclusive Business Cooperation Agreement (this “Agreement”) is made and entered into by and between the following parties on October 27, 2020 in Beijing, the People’s Republic of China (“China” or the “PRC”).

RESTRUCTURING AGREEMENT DATED AS OF DECEMBER 31, 2020 by and between YIREN DIGITAL LTD. and CREDITEASE HOLDINGS (CAYMAN) LIMITED
Restructuring Agreement • April 29th, 2021 • Yiren Digital Ltd. • Finance services • Hong Kong

THIS RESTRUCTURING AGREEMENT (this “Agreement”) is entered into on December 31, 2020 by and between Yiren Digital Ltd., an exempted company incorporated under the laws of the Cayman Islands (“Yiren Digital”), and CreditEase Holdings (Cayman) Limited, an exempted company incorporated under the laws of the Cayman Islands (“CreditEase” and, together with Yiren Digital, the “Parties” and each, a “Party”).

SECOND AMENDED AND RESTATED NON-COMPETITION AGREEMENT by and between CREDITEASE HOLDINGS (CAYMAN) LIMITED and YIREN DIGITAL LTD. Dated as of December 31, 2020
Non-Competition Agreement • April 29th, 2021 • Yiren Digital Ltd. • Finance services • New York

This Second Amended and Restated Non-Competition Agreement (this “Agreement”), dated as of December 31, 2020, is entered into by and between CreditEase Holdings (Cayman) Limited, an exempted company incorporated under the laws of the Cayman Islands (“CreditEase”), and Yiren Digital Ltd. (formerly known as Yirendai Ltd.), an exempted company incorporated under the laws of the Cayman Islands (“Yiren Digital” and, together with CreditEase, the “Parties” and each, a “Party”).

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