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Analyst Coverage

Blue Lotus Research Institute
Tianli Wen
BnP Paribas
Anderson Cha
Zeyu Yao / Han Pu
Daphne Poon / Judy Zhang
Credit Suisse
Charles Zhou / Thomas Chong / Eddie Zhou
DBS Vickers
Cindy Wang / Ken Shih
Deutsche Bank
Jacky Zuo / Hans Fan
Dexter Hsu
Morgan Stanley
Richard Xu / John Cai / Lu Lu
Needham & Company, LLC
Mayank Tandon / Jinjin Qian
May Yan / Alex Ye
Yirendai Ltd. is followed by the analysts listed above. Please note that any opinions, estimates or forecasts regarding Yirendai Ltd.'s performance made by these analysts are theirs alone and do not represent opinions, forecasts or predictions of Yirendai Ltd. or its management. Yirendai Ltd. does not by its reference above or distribution imply its endorsement of or concurrence with such information, conclusions or recommendations.