Company: XHG
Filing Date: 2025-09-09
Form Type: F-3
Source: 0001213900-25-086186
Chunk: 9

Company: XChange TEC.INC
Filing Date: 2025-09-09
Form: F-3
Chunk 9
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 offer or sale is not permitted. You should assume that the information appearing in this prospectus, the applicable supplement
to this prospectus or in any related free writing prospectus is accurate as of its respective date, and that any information incorporated
by reference is accurate only as of the date of the document incorporated by reference, unless we indicate otherwise. Our business, financial
condition, results of operations and prospects may have changed since those dates.

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INCORPORATION OF DOCUMENTS BY REFERENCE</div>

The SEC allows us to incorporate by reference
the information we file with them. This means that we can disclose important information to you by referring you to those documents. Each
document incorporated by reference is current only as of the date of such document, and the incorporation by reference of such documents
should not create any implication that there has been no change in our affairs since such date. The information incorporated by reference
is considered to be a part of this prospectus and should be read with the same care. When we update the information contained in documents
that have been incorporated by reference by making future filings with the SEC, the information incorporated by reference in this prospectus
is considered to be automatically updated and superseded. In other words, in the case of a conflict or inconsistency between information
contained in this prospectus and information incorporated by reference into this prospectus, you should rely on the information contained
in the document that was filed later.

We incorporate by reference the documents listed
below:

| ● | with                                                                                               
 respect to each offering of securities under this prospectus, all our subsequent annual reports    
 on Form 20-F and any report on Form 6-K that indicates that it is being incorporated by reference, 
 in each case, that we file with the SEC on or after the date of this prospectus and until          
 the termination or completion of the offering under this prospectus.                               |

Our annual report on Form 20-F for FY 2024 contains
a description of our business and audited consolidated financial statements with reports by our independent auditors. These financial
statements are prepared in accordance with accounting principles generally accepted in the United States, or U.S. GAAP.

Unless expressly incorporated by reference,
nothing in this prospectus shall be deemed to incorporate by reference information furnished to, but not filed with, the SEC. We
will provide to you, upon your written or oral request, without charge, a copy of any or all of the documents we refer to above