Document:

EX-10.3

 Exhibit 10.3 

MASTER TRANSACTION AGREEMENT 

Between 
 CREDITEASE
HOLDINGS (CAYMAN) LIMITED 
 And 

YIRENDAI LTD. 
 Dated as
of November 9, 2015 

 TABLE OF CONTENTS 

 

							
	ARTICLE 1	  
	
	DEFINITIONS.	  
			
	 Section 1.1
	 	Defined Terms	  	 	1	  
	
	ARTICLE 2	  
	
	DOCUMENTS AND ITEMS TO BE DELIVERED PRIOR TO F-1 FILING.	  
			
	 Section 2.1
	 	Documents to be delivered by CreditEase	  	 	6	  
	 Section 2.2
	 	Documents to be delivered by Yirendai	  	 	6	  
	
	ARTICLE 3	  
	
	THE IPO AND ACTIONS PENDING THE IPO.	  
			
	 Section 3.1
	 	Transactions prior to the IPO	  	 	6	  
	 Section 3.2
	 	Cooperation	  	 	7	  
	
	ARTICLE 4	  
	
	COVENANTS AND OTHER MATTERS	  
			
	 Section 4.1
	 	Other Agreements and Instruments	  	 	7	  
	 Section 4.2
	 	Further Instruments	  	 	7	  
	 Section 4.3
	 	Agreement on Exchange of Information	  	 	8	  
	 Section 4.4
	 	Auditors and Audits; Financial Statements; Accounting Matters	  	 	10	  
	 Section 4.5
	 	Confidentiality	  	 	14	  
	 Section 4.6
	 	Privileged Matters	  	 	16	  
	 Section 4.7
	 	Future Litigation and Other Proceedings	  	 	17	  
	 Section 4.8
	 	Mail and other Communications	  	 	18	  
	 Section 4.9
	 	Other Inter-Company Services Agreements	  	 	18	  
	 Section 4.10
	 	Payment of Expenses	  	 	18	  
	
	ARTICLE 5	  
	
	MUTUAL RELEASES; INDEMNIFICATION	  
			
	 Section 5.1
	 	Release of Claims	  	 	18	  
	 Section 5.2
	 	Indemnification by Yirendai	  	 	19	  
	 Section 5.3
	 	Indemnification by CreditEase	  	 	20	  
	 Section 5.4
	 	Procedures for Defense, Settlement and Indemnification of the Third Party Claims	  	 	21	  
	 Section 5.5
	 	Additional Matters	  	 	22	  
	 Section 5.6
	 	Survival of Indemnities	  	 	22	  

  
 i 

							
	
	ARTICLE 6	  
	
	DISPUTE RESOLUTION	  
			
	 Section 6.1
	 	Dispute Resolution	  	 	22	  
	
	ARTICLE 7	  
	
	MISCELLANEOUS.	  
			
	 Section 7.1
	 	Consent	  	 	23	  
	 Section 7.2
	 	Limitation of Liability	  	 	23	  
	 Section 7.3
	 	Termination	  	 	24	  
	 Section 7.4
	 	Amendment	  	 	24	  
	 Section 7.5
	 	Notices	  	 	24	  
	 Section 7.6
	 	Governing Law	  	 	24	  
	 Section 7.7
	 	Authority	  	 	24	  
	 Section 7.8
	 	Entire Agreement	  	 	25	  
	 Section 7.9
	 	Severability	  	 	25	  
	 Section 7.10
	 	Failure or Indulgence not Waiver; Remedies Cumulative	  	 	25	  
	 Section 7.11
	 	Binding Effect; Assignment	  	 	25	  
	 Section 7.12
	 	No Third Party Beneficiaries	  	 	25	  
	 Section 7.13
	 	Inconsistency	  	 	25	  
	 Section 7.14
	 	Interpretation	  	 	26	  
	 Section 7.15
	 	Counterparts	  	 	26	  

  
 ii 

 MASTER TRANSACTION AGREEMENT 

This Master Transaction Agreement (this “Agreement”) is dated as of November 9, 2015, by and between CreditEase Holdings
(Cayman) Limited, a company incorporated under the laws of the Cayman Islands (“CreditEase”), and Yirendai Ltd., a company incorporated under the laws of the Cayman Islands (“Yirendai”) (each of CreditEase and
Yirendai a “Party” and, together, the “Parties”). 
 Capitalized terms used herein and not otherwise
defined shall have the meanings ascribed to such terms in Article 1 hereof. 
 RECITALS 

WHEREAS, as of the date hereof, Yirendai is a wholly owned subsidiary of CreditEase; 

WHEREAS, CreditEase has been engaged in the Yirendai Business through Yirendai and/or Yirendai’s subsidiaries and VIE, as more
fully described in a draft Registration Statement on Form F-1 confidentially submitted for review and comment by the SEC under the Securities Act (as so submitted and as amended from time to time prior to the Public Filing Date, the “Draft
IPO Registration Statement”) to be filed publicly with the SEC via its EDGAR system (the date of such public filing, the “Public Filing Date”) following the substantial completion of such review and comment and as financial
market conditions permit (as so filed, and as amended thereafter from time to time, the “IPO Registration Statement”);  

WHEREAS, prior to the date hereof, all the then existing assets and liabilities in connection with the Yirendai Business have already been
transferred to or assumed by Yirendai and/or its subsidiaries and VIE; 
 WHEREAS, the Parties currently contemplate that Yirendai will make
an initial public offering (“IPO”) pursuant to the IPO Registration Statement; 
 WHEREAS, the Parties intend in this
Agreement to set forth and memorialize the principal arrangements between CreditEase and Yirendai regarding the relationship of the Parties from and after the filing of the IPO Registration Statement and the consummation of the IPO; and 

NOW, THEREFORE, in consideration of the mutual agreements, covenants and provisions contained in this Agreement, the Parties, intending to be
legally bound, agree as follows: 
 ARTICLE 1 

DEFINITIONS.  

Section 1.1 Defined Terms. The following capitalized terms have the meanings given to them in this Section 1.1: 

  
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 “Action” means any demand, action, suit, countersuit, claim,
counterclaim, arbitration, inquiry, proceeding or investigation by or before any Governmental Authority or any arbitration or mediation tribunal.  

“ADSs” has the meaning set forth in Section 3.1(c) of this Agreement.  

“Agreement” means this Master Transaction Agreement, as may be amended from time to time in accordance with the
provisions hereof.  
 “Confidential Business Information” has the meaning set forth in
Section 4.5(b)(iii) of this Agreement.  
 “Confidential Information” has the meaning set forth in
Section 4.5(b)(i) of this Agreement.  
 “Confidential Technical Information” has the meaning set forth
in Section 4.5(b)(ii) of this Agreement.  
 “Contract” means any contract, agreement, lease, license,
sales order, purchase order, instrument or other commitment that is binding on any Person or any part of its property under applicable law.  

“Control Ending Date” means the earlier of (i) the first date upon which members of the CreditEase Group no
longer collectively own at least twenty percent (20%) of the voting power of the then outstanding securities of Yirendai and (ii) the first date upon which CreditEase, collectively with the other members of the CreditEase Group, ceases to
be the largest beneficial owner of the then outstanding voting securities of Yirendai (for purposes of this clause (ii), without considering holdings of institutional investors that have acquired Yirendai securities in the ordinary course of their
business and not with a purpose nor with the effect of changing or influencing the control of Yirendai).  

“Cooperation Framework Agreement” has the meaning set forth in Section 2.1 of this Agreement.  

“CreditEase” has the meaning set forth in the preamble to this Agreement.  

“CreditEase Business” means any business conducted by CreditEase and its subsidiaries and VIEs, other than the
Yirendai Business. 
 “CreditEase Group” means CreditEase and its subsidiaries and VIEs, other than Yirendai
and its subsidiaries and VIE.  
 “CreditEase Indemnitees” means CreditEase and its subsidiaries and VIEs
(excluding Yirendai and its subsidiaries and VIE) and each of their respective directors, officers and employees.  

“CreditEase Liabilities” means (without duplication) the following Liabilities:  

(i) all Liabilities, whether arising before, on or after the Public Filing Date, that relate to, arise or result from the
operation of the CreditEase Business, other than Yirendai Liabilities; and 

  
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 (ii) Liabilities of CreditEase and its subsidiaries and VIEs under this
Agreement or any of the Inter-Company Agreements. 
 “CreditEase’s Auditors” has the meaning set forth in
Section 4.4(a)(i) of this Agreement.  
 “Direct Costs” has the meaning set forth in Section 4.9 of
this Agreement. 
 “Dispute” has the meaning set forth in Section 6.1(a) of this Agreement.  

“Dispute Resolution Commencement Date” has the meaning set forth in Section 6.1(a) of this Agreement. 

 “Draft IPO Registration Statement” has the meaning set forth in the recitals to this Agreement.  

“Exchange Act” means the U.S. Securities Exchange Act of 1934, as amended.  

“Governmental Authority” shall mean any national, state or local, foreign or international court, government,
department, commission, board, bureau, agency, official or other regulatory, administrative or governmental authority.  

“Indemnifying Party” means any party which may be obligated to provide indemnification to an Indemnitee pursuant to
Section 5.2 or Section 5.3 hereof or any other section of this Agreement or any Inter-Company Agreement.  

“Indemnitee” means any party which may be entitled to indemnification from an Indemnifying Party pursuant to Article 5
hereof or any other section of this Agreement or any Inter-Company Agreement.  
 “Indirect Costs” has the
meaning set forth in Section 4.9 of this Agreement.  
 “Information” means information, whether or not
patentable or copyrightable, in written, oral, electronic or other tangible or intangible forms, stored in any medium, including studies, reports, records, books, contracts, instruments, surveys, discoveries, ideas, concepts, know-how, techniques,
designs, specifications, drawings, blueprints, diagrams, models, prototypes, samples, flow charts, data, computer data, disks, diskettes, tapes, computer programs or other software, marketing plans, customer names, communications by or to attorneys
(including attorney-client privileged communications), memos and other materials prepared by attorneys or under their direction (including attorney work product), and other technical, financial, employee or business information or data.  

“Intellectual Property License Agreement” has the meaning set forth in Section 2.1 of this Agreement. 

“Inter-Company Agreements” means the Transitional Services Agreement, the Non-Competition Agreement, the Cooperation
Framework Agreement and the Intellectual Property License Agreement. 
 “IPO” has the meaning set forth in the
recitals to this Agreement.  

  
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 “IPO Registration Statement” has the meaning set forth in the recitals to
this Agreement.  
 “Liabilities” means all debts, liabilities, guarantees, assurances, commitments and
obligations, whether fixed, contingent or absolute, asserted or unasserted, matured or unmatured, liquidated or unliquidated, accrued or not accrued, known or unknown, due or to become due, whenever or however arising (including, without limitation,
whether arising out of any Contract or tort based on negligence or strict liability) and whether or not the same would be required by U.S. GAAP to be reflected in financial statements or disclosed in the notes thereto.  

“Loss” and “Losses” mean any and all damages, losses, deficiencies, Liabilities, obligations,
penalties, judgments, settlements, claims, payments, fines, interest, costs and expenses (including, without limitation, the costs and expenses of any and all Actions and demands, assessments, judgments, settlements and compromises relating thereto
and the reasonable costs and expenses of attorneys’, accountants’, consultants’ and other professionals’ fees and expenses incurred in the investigation or defense thereof or the enforcement of rights hereunder), but excluding
punitive damages (other than punitive damages awarded to any third party against an indemnified party).  

“Non-Competition Agreement” has the meaning set forth in Section 2.1 of this Agreement.  

“Ordinary Shares” means the shares of Yirendai, par value $0.0001 per share (including shares represented by ADSs and
held of record by the depositary bank for the ADSs).  
 “Party” or “Parties” has the
meaning set forth in the preamble of this Agreement.  
 “Person” means an individual, a partnership, a
corporation, a limited liability company, an association, a joint stock company, a trust, a joint venture, an unincorporated organization or a governmental entity or any department, agency or political subdivision thereof.  

“Privileged Information” has the meaning set forth in Section 4.6(a) of this Agreement.  

“Privileges” has the meaning set forth in Section 4.6(a) of this Agreement.  

“Public Filing Date” has the meaning set forth in the recitals to this Agreement.  

“Rule 10A-3(b)(2)” means Rule 10A-3(b)(2) (or any successor rule to similar effect) promulgated under the Exchange
Act.  
 “SEC” means the U.S. Securities and Exchange Commission.  

“Securities Act” means the Securities Act of 1933, as amended.  

“Third Party Claim” has the meaning set forth in Section 5.4(a) of this Agreement.  

  
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 “Transitional Services Agreement” has the meaning set forth in
Section 2.1 of this Agreement.  
 “U.S. GAAP” means generally accepted accounting principles in the
United States as in effect from time to time.  
 “Underwriters” has the meaning set forth in
Section 3.1(a) of this Agreement.  
 “Underwriting Agreement” has the meaning set forth in
Section 3.1(a) of this Agreement.  
 “VIE” of any Person means any entity that is controlled by such
Person and is deemed to be a variable interest entity consolidated with such Person for purposes of U.S. GAAP. As used herein, “control” means the possession, directly or indirectly, of the power to direct or cause the direction of the
management and policies of such entity, whether through ownership of voting securities or other interests, by contract or otherwise.  

“Yirendai” has the meaning set forth in the preamble to this Agreement.  

“Yirendai Balance Sheet” means Yirendai’s unaudited consolidated balance sheet as of the end of the most recently
completed fiscal quarter prior to the Public Filing Date.  
 “Yirendai Business” means (a) the
operation of online consumer finance marketplace connecting investors and individual borrowers and facilitating unsecured loan products, and provision of related services, as currently conducted or contemplated to be conducted by Yirendai and its
subsidiaries and VIE anywhere in the world, as more completely described in the IPO Registration Statement, and (b) other businesses that the Parties may mutually agree from time to time to be part of Yirendai Business.  

“Yirendai Indemnitees” means Yirendai and its subsidiaries and VIE and each of their respective directors, officers
and employees.  
 “Yirendai Liabilities” means (without duplication) the following Liabilities:  

(i) all Liabilities reflected in the Yirendai Balance Sheet; 

(ii) all Liabilities of CreditEase or its subsidiaries and VIEs that arise after the date of the Yirendai Balance Sheet that
would be reflected in a Yirendai balance sheet as of the date of such Liabilities, if such balance sheet was prepared using the same principles and accounting policies under which the Yirendai Balance Sheet was prepared; 

(iii) all Liabilities that should have been reflected in the Yirendai Balance Sheet but are not reflected in the Yirendai
Balance Sheet due to mistake or unintentional omission; 
 (iv) all Liabilities, whether arising before, on or after the
Public Filing Date, that relate to, arise or result from: (1) the operation of the Yirendai Business or (2) the operation of any business conducted by Yirendai and its subsidiaries and VIE at any time after the Public Filing Date; and 

  
 5 

 (v) Liabilities of Yirendai and its subsidiaries and VIE under this Agreement or
any of the Inter-Company Agreements. 
 “Yirendai’s Auditors” has the meaning set forth in
Section 4.4(a)(i) of this Agreement.  
 ARTICLE 2 

DOCUMENTS AND ITEMS TO BE DELIVERED PRIOR TO F-1 FILING. 

Section 2.1 Documents to be delivered by CreditEase. CreditEase has delivered and its subsidiaries and VIEs have delivered,
as appropriate, or CreditEase will deliver, or will cause its subsidiaries and VIEs to deliver, as appropriate, prior to the Public Filing Date, to Yirendai or its subsidiaries or VIE, as appropriate: (a) a duly executed Transitional Services
Agreement, substantially in the form attached to the Draft IPO Registration Statement as an exhibit, with such changes, if any, to such form as may be agreed to by the Parties prior to such execution (the “Transitional Services
Agreement”); (b) duly executed Non-Competition Agreement, substantially in the form attached to the Draft IPO Registration Statement as an exhibit, with such changes, if any, to such form as may be agreed to by the Parties prior to
such execution (the “Non-Competition Agreement”); (c) a duly executed Cooperation Framework Agreement, substantially in the form attached to the Draft IPO Registration Statement as an exhibit, with such changes, if any, to such
form as may be agreed to by the Parties prior to such execution (the “Cooperation Framework Agreement”); (d) a duly executed Intellectual Property License Agreement, substantially in the form attached to the Draft IPO
Registration Statement as an exhibit, with such changes, if any, to such form as may be agreed to by the Parties prior to such execution (the “Intellectual Property License Agreement”); and (e) such other agreements, documents
or instruments as the Parties may agree are necessary or desirable in order to achieve the purposes hereof. For purposes of this Agreement, Yirendai and its subsidiaries and VIE will not be considered subsidiaries and VIE of CreditEase.  

Section 2.2 Documents to be delivered by Yirendai. Yirendai has delivered and its subsidiaries and VIE have delivered, as
appropriate, or Yirendai will deliver, or will cause its subsidiaries and VIE to deliver, as appropriate, prior to the Public Filing Date, to CreditEase or its subsidiaries or VIEs, as appropriate: (a) in each case where Yirendai or any of its
subsidiaries or VIE is a party to any agreement or instrument referred to in Section 2.1, a duly executed counterpart of such agreement or instrument; and (b) such other agreements, documents or instruments as the Parties may agree are
necessary or desirable in order to achieve the purposes hereof. 
 ARTICLE 3 

THE IPO AND ACTIONS PENDING THE IPO. 

Section 3.1 Transactions prior to the IPO. Subject to the occurrence of the events described in this Article 3, the Parties intend
to consummate the IPO and to take, or cause to be taken, the actions specified in this Section 3.1. 

  
 6 

 (a) Registration Statement. Yirendai has submitted or plans to submit on a
confidential basis for review by the SEC the Draft IPO Registration Statement, and intends to submit such amendments or supplements thereto as may be requested by the SEC staff in connection with such review and agreed to by Yirendai, and
subsequently to file with the SEC the IPO Registration Statement and make such amendments and supplements thereto as may be necessary or desirable in order to cause the same to comply with the Securities Act and other applicable law, to become and
remain effective under the Securities Act, or as may be requested by the representatives of the underwriters for the IPO (the “Underwriters”), including, without limitation, filing such amendments or supplements to the IPO
Registration Statement as may be required by the underwriting agreement to be entered into among Yirendai and the Underwriters (the “Underwriting Agreement”) following the effectiveness of the IPO Registration Statement under the
Securities Act.  
 (b) Underwriting Agreement. Following the effectiveness of the IPO Registration Statement, Yirendai will
enter into the Underwriting Agreement, which shall in form and substance be satisfactory to Yirendai, as determined by its board of directors or authorized designees, as appropriate, and Yirendai shall comply with its obligations thereunder. 

(c) NASDAQ or NYSE Listing. Yirendai plans to prepare, file and have approved an application for listing on NASDAQ or the New York
Stock Exchange of the American depositary shares, representing Ordinary Shares, to be offered and sold in the IPO (the “ADSs”). 

Section 3.2 Cooperation. CreditEase and Yirendai shall each consult with, and cooperate in all respects with, the other in
connection with the marketing, including any roadshow presentations, and pricing of the ADSs and shall take any and all actions as may be reasonably necessary or desirable to consummate the IPO as contemplated by the IPO Registration Statement and
the Underwriting Agreement. 
 ARTICLE 4 

COVENANTS AND OTHER MATTERS 

Section 4.1 Other Agreements and Instruments. Each of the Parties agrees to execute or cause to be executed by the appropriate
parties and deliver, as appropriate, such other agreements, instruments and other documents as may be necessary or desirable in order to effect the purposes of this Agreement and the Inter-Company Agreements. 

Section 4.2 Further Instruments 

(a) To the extent it has not been done prior to the date hereof, CreditEase will execute and deliver, and will cause its subsidiaries and VIEs
to execute and deliver, to Yirendai and/or its subsidiaries and VIE, as the case may be, such instruments of transfer, conveyance, assignment, substitution and confirmation, and will take such action as may be reasonably necessary or desirable in
order to transfer, convey and assign to Yirendai and/or its subsidiaries and VIE and confirm Yirendai’s and/or its subsidiaries’ and VIE’s title to all assets, rights, interests and other things of value used in or necessary for the
conduct and operation of the Yirendai Business on or prior to the Public Filing Date or to be transferred or licensed to Yirendai and/or its subsidiaries and VIE pursuant to this Agreement or any document referred to herein, to put Yirendai and its
subsidiaries and VIE in actual possession and operating control thereof and to permit Yirendai and its subsidiaries and VIE to exercise all rights with respect thereto (including, without limitation, rights under Contracts and other arrangements as
to which the consent of any third party to the transfer thereof have not previously been obtained) relating to the Yirendai Business; provided, however, that in the absence of such execution and delivery by CreditEase and/or its subsidiaries
or VIEs, such execution and delivery shall be deemed for all purposes to have occurred subject only to Yirendai’s obligation to pay to CreditEase or its applicable subsidiaries or VIEs an amount equal to the book value thereof to the extent not
previously so paid. 

  
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 (b) CreditEase will execute and deliver, and will cause its appropriate subsidiaries and VIEs to
execute and deliver, to Yirendai and/or its subsidiaries and VIE, as the case may be, all instruments, assumptions, novations, undertakings, substitutions or other documents and take such other action as may be reasonably necessary or desirable in
order to have CreditEase and/or its subsidiaries and VIEs, as the case may be, fully and unconditionally assume the CreditEase Liabilities; provided, however, that in the absence of such execution and delivery by CreditEase and/or such
appropriate subsidiaries and VIEs, such execution and delivery shall be deemed for all purposes to have occurred. 
 (c) Yirendai will, and
will cause its appropriate subsidiaries and VIE to, execute and deliver to CreditEase and its subsidiaries and VIEs all instruments, assumptions, novations, undertakings, substitutions or other documents and take such other action as may be
reasonably necessary or desirable in order to have Yirendai and/or its subsidiaries and VIE, as the case may be, fully and unconditionally assume the Yirendai Liabilities; provided, however, that in the absence of such execution and delivery
by Yirendai and/or such appropriate subsidiaries and VIE, such execution and delivery shall be deemed for all purposes to have occurred. 

(d) Except as hereinabove provided, neither CreditEase, Yirendai, nor their respective subsidiaries and VIEs shall be obligated, in connection
with the foregoing matters set forth in this Section, to expend money other than reasonable out-of-pocket expenses, attorneys’ fees and recording or similar fees, unless reimbursed by the other relevant Party. Furthermore, each Party, at the
request of the other Party hereto, shall execute and deliver such other instruments and do and perform such other acts and things as may be necessary or desirable for effecting completely the consummation of the transactions contemplated hereby.

 Section 4.3 Agreement on Exchange of Information. 

(a) Generally. Each of the Parties agrees to provide, or cause to be provided, to the other Party, at any time, promptly after written
request therefor, all reports and other Information regularly provided by one Party to the other Party prior to the Public Filing Date and any Information in the possession or under the control of such Party to the extent reasonably requested by the
requesting Party (i) to comply with reporting, disclosure, filing or other requirements imposed on the requesting Party (including under applicable securities laws) by a Governmental Authority having jurisdiction over the requesting Party,
(ii) for use in any other judicial, regulatory, administrative or other proceeding or in order to satisfy audit, accounting, claims, regulatory, litigation or other similar requirements, (iii) to comply with its obligations under this
Agreement or any Inter-Company Agreement or (iv) at any time after the Public Filing Date to the extent such Information and cooperation are necessary to comply with such reporting, filing and disclosure obligations, for the preparation of
financial statements or completing an audit, and as reasonably necessary to conduct the ongoing businesses of CreditEase or Yirendai, as the case may be. Each of the Parties agrees to make their respective personnel available to discuss the
Information exchanged pursuant to this Section 4.3. In the event that any Party determines that any such provision of Information or other actions contemplated by this Section 4.3 could be commercially detrimental, violate any law or
agreement, or waive any attorney-client privilege, the Parties shall take all reasonable measures to permit the compliance with such obligations in a manner that avoids any such harm or consequence. 

  
 8 

 (b) Internal Accounting Controls; Financial Information. After the Public Filing Date,
(i) each Party shall maintain in effect at its own cost and expense adequate systems and controls for its business to the extent necessary to enable the other Party to satisfy its reporting, tax return, accounting, audit and other obligations,
and (ii) each Party shall provide, or cause to be provided, to the other Party and its subsidiaries and VIE(s) in such form as such requesting Party shall request, at no charge to the requesting Party, all financial and other data and
Information as the requesting Party determines necessary or advisable in order to prepare its financial statements and reports or filings with any Governmental Authority. 

(c) Ownership of Information. Any Information owned by a Party that is provided to a requesting Party pursuant to this Section 4.3
shall be deemed to remain the property of the providing Party. Unless specifically set forth herein, nothing contained in this Agreement shall be construed as granting or conferring rights of license or otherwise in any such Information. 

(d) Record Retention. To facilitate the possible exchange of Information pursuant to this Section 4.3 and other
provisions of this Agreement, each Party agrees to use its reasonable best efforts for a period of ten years to retain all Information in its respective possession or control substantially in accordance with its respective record retention policies
and/or practices as in effect on the Public Filing Date, and for such longer period as may be required by any Governmental Authority, any litigation matter, any applicable law or any Inter-Company Agreement. However, at any time after such 10-year
period each Party may amend its respective record retention policies at such Party’s discretion; provided, however, that the amending Party must give thirty (30) days prior written notice of such change in the policy to the other
Party. No Party will destroy, or permit any of its subsidiaries or VIE(s) to destroy, any Information that exists on the Public Filing Date (other than Information that is permitted to be destroyed under the current respective record retention
policies of each Party) and that falls under the categories listed in Section 4.3(a), without first notifying the other Party of the proposed destruction and giving the other Party the opportunity to take possession or make copies of such
Information prior to such destruction. 
 (e) Limitation of Liability. Each Party will use its reasonable best
efforts to ensure that Information provided to the other Party hereunder is accurate and complete; provided, however, that no Party shall have any liability to the other Party if any Information exchanged or provided pursuant to this
Section 4.3 is found to be inaccurate, in the absence of gross negligence, bad faith, or willful misconduct by the Party providing the Information. No Party shall have any liability to the other Party if any Information is destroyed or lost
after the relevant Party has complied with the provisions of Section 4.3(d). 

  
 9 

 (f) Other Agreements Providing for Exchange of Information. The rights and obligations
granted under this Section 4.3 are subject to any specific limitations, qualifications or additional provisions on the sharing, exchange or confidential treatment of Information set forth in this Agreement and any Inter-Company Agreement. 

(g) Production of Witnesses; Records; Cooperation. For a period of five (5) years after the Control Ending Date, and except in the
case of a legal or other proceeding by one Party against the other Party, each Party shall use its reasonable best efforts to make available to the other Party, upon written request, the former, current and future directors, officers, employees,
other personnel and agents of such Party as witnesses and any books, records or other documents within its control or which it otherwise has the ability to make available, to the extent that any such individual (giving consideration to business
demands of such directors, officers, employees, other personnel and agents) or books, records or other documents may reasonably be required in connection with any legal, administrative or other proceeding in which the requesting Party may from time
to time be involved, regardless of whether such legal, administrative or other proceeding is a matter with respect to which indemnification may be sought hereunder. The requesting Party shall bear all costs and expenses in connection therewith. 

Section 4.4 Auditors and Audits; Financial Statements; Accounting Matters. Each Party agrees that: 

(a) Selection of Auditors. 

(i) Until the first CreditEase fiscal year end occurring after the Control Ending Date, Yirendai shall use its
reasonable best efforts to engage the independent registered public accounting firm used by CreditEase (“CreditEase’s Auditors” and, for the avoidance of doubt, should CreditEase at any time change the independent
registered public accounting firm serving as its auditors, “CreditEase’s Auditors” shall thereafter mean the new firm serving as CreditEase’s auditors) to serve as its auditors
(“Yirendai’s Auditors”) for purposes of providing an opinion on its consolidated financial statements; provided, however, that Yirendai’s Auditors may be different from CreditEase’s Auditors if
necessary to comply with applicable laws regarding auditor independence and qualifications (provided, however, that Yirendai shall not take any actions, and shall use its reasonable best efforts to cause its directors, officers and employees
not to take any actions, that could reasonably be expected to require Yirendai to engage auditors other than CreditEase’s Auditors). After the Public Filing Date, the foregoing shall not be construed so as to unlawfully limit any responsibility
of the audit committee of Yirendai’s board of directors, pursuant to SEC Rule 10A-3(b)(2) and rules of NASDAQ or the New York Stock Exchange, as applicable, to appoint, compensate, retain and oversee the work of the registered public accounting
firm Yirendai engages.  
 (ii) Until the first CreditEase fiscal year end occurring after the Control Ending Date,
Yirendai shall provide to CreditEase as much prior notice as reasonably practical of any change in Yirendai’s Auditors for purposes of providing an opinion on its consolidated financial statements. 

  
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 (b) Date of Auditors’ Opinion and Quarterly Reviews. Until the first CreditEase
fiscal year end occurring after the Control Ending Date, and thereafter to the extent necessary for the purpose of preparing financial statements or completing a financial statement audit, Yirendai shall use its reasonable best efforts to enable
Yirendai’s Auditors to complete their audit such that they will date their opinion on Yirendai’s audited annual financial statements no later than the date that CreditEase’s Auditors date their opinion on CreditEase’s audited
annual financial statements, and to enable CreditEase to meet its timetable for the printing, filing and public dissemination of CreditEase’s annual financial statements, if applicable. Until the first CreditEase fiscal year end occurring after
the Control Ending Date, and thereafter to the extent necessary for the purpose of preparing financial statements or completing a financial statement audit, Yirendai shall use its reasonable best efforts to enable Yirendai’s Auditors to
complete their annual audit and quarterly review procedures such that they will provide clearance on such Party’s annual and quarterly financial statements no later than the date that CreditEase’s Auditors provide clearance on
CreditEase’s annual and quarterly financial statements, if any. 
 (c) Annual and Quarterly Financial Statements. Until the
Control Ending Date, Yirendai shall not change its fiscal year and, until the first CreditEase fiscal year end occurring after the Control Ending Date, and thereafter to the extent necessary for the purpose of preparing financial statements or
completing a financial statement audit, shall provide to CreditEase on a timely basis all Information that CreditEase reasonably requires to meet its schedule for the preparation, printing, filing, and public dissemination of CreditEase’s
annual and quarterly financial statements. Without limiting the generality of the foregoing, Yirendai will provide all required financial Information with respect to Yirendai and its subsidiaries and VIE to Yirendai’s Auditors in a sufficient
and reasonable time and in sufficient detail to permit Yirendai’s Auditors to take all steps and perform all procedures necessary to provide sufficient assistance to CreditEase’s Auditors with respect to financial Information to be
included or contained in CreditEase’s annual and quarterly financial statements. Similarly, CreditEase shall provide to Yirendai on a timely basis all financial Information that Yirendai reasonably requires to meet its schedule for the
preparation, printing, filing, and public dissemination of Yirendai’s annual and quarterly financial statements. Without limiting the generality of the foregoing, CreditEase will provide all required financial Information with respect to
CreditEase and its subsidiaries and VIEs to CreditEase’s Auditors in a sufficient and reasonable time and in sufficient detail to permit CreditEase’s Auditors to take all steps and perform all procedures necessary to provide sufficient
assistance to Yirendai’s Auditors with respect to Information to be included or contained in Yirendai’s annual and quarterly financial statements. 

(d) Certifications and Attestations. 

(i) Until the first CreditEase fiscal year end occurring after the Control Ending Date, and thereafter to the extent necessary
for the timely filing by CreditEase of annual and quarterly reports under the Exchange Act or other applicable law or in connection with any investigations of prior periods, Yirendai shall cause its principal executive officer and principal
financial officer to provide to CreditEase on a timely basis and as reasonably requested by CreditEase (A) any certificates requested as support for the certifications and attestations required by Sections 302, 906 and 404 of the Sarbanes-Oxley
Act of 2002 or other applicable law to be filed with such annual and quarterly reports, (B) any certificates or other written Information which such principal executive officer or principal financial officer received as support for the
certificates provided to CreditEase and (C) a reasonable opportunity to discuss with such principal financial officer and other appropriate officers and employees of Yirendai any issues reasonably related to the foregoing. 

  
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 (ii) To the extent necessary for the timely filing by Yirendai of annual and
quarterly reports under the Exchange Act or other applicable law or in connection with any investigations of prior periods, CreditEase shall cause its appropriate officers and employees to provide to Yirendai on a timely basis and as reasonably
requested by such Party (A) any certificates requested as support for the certifications and attestations required by Sections 302, 906 and 404 of the Sarbanes-Oxley Act of 2002 or other applicable law to be filed with such annual and quarterly
reports, (B) any certificates or other Information which such appropriate officers and employees received as support for the certificates provided to Yirendai and (C) a reasonable opportunity to discuss with such appropriate officers and
employees any issues reasonably related to the foregoing. 
 (e) Compliance With Laws, Policies and Regulations. Until the Control
Ending Date, Yirendai shall comply with all financial accounting and reporting rules, policies and directives of CreditEase, to the extent such rules, policies and directives have been previously communicated to Yirendai, and fulfill all timing and
reporting requirements, applicable to CreditEase subsidiaries and VIEs that are consolidated with CreditEase for financial statement purposes. Without limiting the foregoing, Yirendai shall comply with all financial accounting and reporting rules
and policies, and fulfill all timing and reporting requirements, under applicable federal securities laws and the rules of NASDAQ or the New York Stock Exchange, as applicable. Yirendai shall not be deemed to be in breach of its obligations set
forth in this provision to the extent that it is unable to comply with such obligations as a result of the actions or inactions of CreditEase. 

(f) Identity of Personnel Performing the Annual Audit and Quarterly Reviews. Until the Control Ending Date, and thereafter to the
extent such information and cooperation is necessary for the preparation of financial statements or completing a financial statements audit, Yirendai shall authorize Yirendai’s Auditors to make available to CreditEase’s Auditors both the
personnel who performed or will perform the annual audits and quarterly reviews of Yirendai and work papers related to the annual audits and quarterly reviews of Yirendai, in all cases within a reasonable time prior to Yirendai’s Auditors’
opinion date, so that CreditEase’s Auditors are able to perform the procedures they consider necessary to take responsibility for the work of Yirendai’s Auditors as it relates to CreditEase’s Auditors’ report on CreditEase’s
financial statements, all within sufficient time to enable CreditEase to meet its timetable for the printing, filing and public dissemination of CreditEase’s annual and quarterly financial statements. Similarly, CreditEase shall authorize
CreditEase’s Auditors to make available to Yirendai’s Auditors both the personnel who performed or will perform the annual audits and quarterly reviews of CreditEase and work papers related to the annual audits and quarterly reviews of
CreditEase, in all cases within a reasonable time prior to CreditEase’s Auditors’ opinion date, so that Yirendai’s Auditors are able to perform the procedures they consider necessary to take responsibility for the work of
CreditEase’s Auditors as it relates to Yirendai’s Auditors’ report on Yirendai’s financial statements, all within sufficient time to enable Yirendai to meet its timetable for the printing, filing and public dissemination of
Yirendai’s annual and quarterly financial statements. 

  
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 (g) Access to Books and Records. Until the Control Ending Date, and thereafter to the
extent such information and cooperation is necessary for the preparation of financial statements or completing a financial statements audit, Yirendai shall provide CreditEase’s internal auditors, counsel and other designated representatives of
CreditEase access during normal business hours to (i) the premises of Yirendai and its subsidiaries and VIE and all Information (and duplicating rights) within the knowledge, possession or control of Yirendai and its subsidiaries and VIE and
(ii) the officers and employees of Yirendai and its subsidiaries and VIE, so that CreditEase may conduct reasonable audits relating to the financial statements provided by Yirendai pursuant hereto as well as to the internal accounting controls
and operations of Yirendai. Similarly, CreditEase shall provide Yirendai’s internal auditors, counsel and other designated representatives of Yirendai access during normal business hours to (x) the premises of CreditEase and its
subsidiaries and VIEs and all Information (and duplicating rights with respect thereto) within the knowledge, possession or control of CreditEase and its subsidiaries and VIEs and (y) the officers and employees of CreditEase and its
subsidiaries and VIEs, so that Yirendai may conduct reasonable audits relating to the financial statements provided by CreditEase pursuant hereto as well as to the internal accounting controls and operations of CreditEase and its subsidiaries and
VIEs. 
 (h) Notice of Change in Accounting Principles. Until the Control Ending Date, and thereafter if a change in accounting
principles by a Party would affect the historical financial statements of the other Party, no such Party shall make or adopt any significant changes in its accounting estimates or accounting principles from those in effect on the Public Filing Date
without first consulting with the other Party, and if requested by the other Party, such other Party’s independent registered public accounting firm with respect thereto. CreditEase shall give Yirendai as much prior notice as reasonably
practical of any proposed determination of, or any significant changes in, its accounting estimates or accounting principles from those in effect on the Public Filing Date. CreditEase will consult with Yirendai and, if requested by Yirendai,
Yirendai’s independent registered public accounting firm with respect thereto. Yirendai shall give CreditEase as much prior notice as reasonably practical of any proposed determination of, or any significant changes in, its accounting estimates
or accounting principles from those in effect on the Public Filing Date. Yirendai will consult with CreditEase and, if requested by CreditEase, CreditEase’s independent registered public accounting firm with respect thereto. 

(i) Conflict With Third-Party Agreements. Nothing in Section 4.3 or this Section 4.4 shall require a Party to
violate any agreement with any third party regarding the confidentiality of confidential and proprietary Information relating to that third party or its business; provided, however, that in the event that a Party is required under
Section 4.3 or this Section 4.4 to disclose any such Information, such Party shall use its reasonable best efforts to seek to obtain such third party’s consent to the disclosure of such Information. 

  
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 Section 4.5 Confidentiality. Each of the Parties shall hold and shall cause each of
their respective subsidiaries and VIE(s) to hold, and shall each cause their respective officers, employees, agents, consultants and advisors and those of their respective subsidiaries and VIE(s) to hold, in strict confidence and not to disclose or
release without the prior written consent of the other Party, any and all Confidential Information concerning such other Party and its respective subsidiaries and VIE(s); provided, that each of the Parties may disclose, or may permit disclosure of,
Confidential Information (i) to their respective subsidiaries and VIE(s), auditors, attorneys, financial advisors, bankers and other appropriate consultants and advisors who have a need to know such information and, in each case, are informed
of their obligation to hold such information confidential to the same extent as is applicable to the Parties hereto and in respect of whose failure to comply with such obligations, Yirendai or CreditEase, as the case may be, will be responsible,
(ii) if the Parties or any of their respective subsidiaries or VIE(s) are compelled to disclose any such Confidential Information by judicial or administrative process or (iii) if the Parties reasonably determine in good faith that such

 disclosure is required by other requirements of law. Notwithstanding the foregoing, in the event that any demand or request for disclosure of Confidential
Information is made in connection with any judicial or administrative process, or a Party determines in good faith that disclosure is otherwise required by law, such Party shall promptly notify the other Party of the existence of such request,
demand, or conclusion, and shall provide such other Party a reasonable opportunity to seek an appropriate protective order or other remedy, which the notifying Party will cooperate in obtaining. In the event that an appropriate protective order or
other remedy is not obtained, the Party whose Confidential Information is required to be disclosed shall or shall cause the notifying Party to furnish, or cause to be furnished, only that portion of the Confidential Information that is required to
be disclosed and shall use its reasonable best efforts to obtain reasonable assurances that confidential treatment will be accorded to such Information. 

(b) As used in this Section 4.5: 

(i) “Confidential Information” shall mean Confidential Business Information and Confidential Technical
Information concerning one Party which, prior to, on or following the Public Filing Date, has been disclosed by such Party or its subsidiaries or VIE(s), that (1) is in written, recorded, graphical or other tangible form and is marked
“Proprietary,” “Confidential” or “Trade Secret,” or where it is evident from the nature and content of such Information that the disclosing Party considers it to be confidential, (2) is in oral form and identified
by the disclosing Party as “Proprietary”, “Confidential” or “Trade Secret” at the time of oral disclosure, including pursuant to the access provisions of Section 4.3 or Section 4.4 hereof or any other
provision of this Agreement or where it is evident from the nature and content of such Information that the disclosing Party considers it to be confidential, or (3) in the case of such Information disclosed on or prior to the date hereof,
either such Information is identified by the owning Party to the other relevant Party as Confidential Business Information or Confidential Technical Information, orally or in writing on or prior to the Public Filing Date, or it is evident from the
nature and content of such Information that the disclosing Party considers it to be confidential, and includes any modifications or derivatives prepared by the receiving Party that contain or are based upon any Confidential Information obtained from
the disclosing Party, including any analysis, reports, or summaries of the Confidential Information. Confidential Information may also include Information disclosed to a disclosing Party by third parties. Confidential Information shall not, however,
include any information which (A) was publicly known and made generally available in the public domain prior to the time of disclosure by the disclosing Party; (B) becomes publicly known and made generally available after disclosure by the
disclosing Party to the receiving Party through no action or inaction of the receiving Party; (C) is obtained by the receiving Party from a third party without a breach of such third party’s obligations of confidentiality; or (D) is
on or after the Public Filing Date independently developed by the receiving Party without use of or reference to the disclosing Party’s Confidential Information. 

  
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 (ii) “Confidential Technical Information” shall mean all
proprietary scientific, engineering, mathematical or design information, data and material of the disclosing Party including, without limitation, (a) specifications, ideas, concepts, models, and strategies for products or services,
(b) quality assurance policies, procedures and specifications, (c) source code and object code, (d) training materials and information, and (e) all other know-how, methodology, processes, procedures, techniques and trade secrets
related to product or service design, development, manufacture, implementation, use, support and maintenance. 

(iii) “Confidential Business Information” shall mean all proprietary information, data or material of
the disclosing Party other than Confidential Technical Information, including, but not limited to (a) proprietary earnings reports and forecasts, (b) proprietary macro-economic reports and forecasts, (c) proprietary business plans,
(d) proprietary general market evaluations and surveys, (e) proprietary financing and credit-related information, and (f) customer information. 

(c) Nothing in this Agreement shall restrict (i) the disclosing Party from using, disclosing, or disseminating its own Confidential
Information in any way, or (ii) reassignment of the receiving Party’s employees. Moreover, nothing in the Agreement supersedes any restriction imposed by third parties on their Confidential Information, and there is no obligation on the
disclosing Party to conform third party agreements to the terms of this Agreement except as expressly set forth therein. 
 (d)
Notwithstanding anything to the contrary set forth herein, (i) a Party and its subsidiaries and VIE(s) shall be deemed to have satisfied their obligations hereunder with respect to Confidential Information if they exercise the same degree of
care (but no less than a reasonable degree of care) as they take to preserve confidentiality for their own similar Information and (ii) confidentiality obligations provided for in any agreement between a Party or any of its subsidiaries or
VIE(s) and any employee of such Party or any of its subsidiaries or VIE(s) shall remain in full force and effect. 
 (e) Confidential
Information of a Party and its subsidiaries and VIE(s) in the possession of and used by the other Party as of the Public Filing Date may continue to be used by such Party in possession of the Confidential Information in and only in the operation of
the CreditEase Business, in the case of CreditEase and its subsidiaries and VIE(s), or the Yirendai Business, in the case of Yirendai and its subsidiaries and VIE, and may be used only so long as the Confidential Information is maintained in
confidence and not disclosed in violation of Section 4.5(b). Such continued right to use Confidential Information may not be transferred, including by merger, consolidation, reorganization, operation of law, or otherwise, to any third party
unless such third party (A) purchases all or substantially all of the business or business line and assets in one transaction or in a series of related transactions for which or in which the relevant Confidential Information is used or employed
and (B) expressly agrees in writing to be bound by the provisions of this Section 4.5. In the event that such right to use is transferred in accordance with the preceding sentence, the transferring Party shall not disclose the source of
the relevant Confidential Information. 

  
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 Section 4.6 Privileged Matters. The Parties agree that their respective
rights and obligations to maintain, preserve, assert or waive any or all privileges belonging to each such Party or its subsidiaries or VIE(s) including but not limited to the attorney-client and work product privileges (collectively,
“Privileges”), shall be governed by the provisions of this Section 4.6. With respect to Privileged Information (as defined below) of CreditEase, CreditEase shall have sole authority in perpetuity to determine whether to assert
or waive any or all Privileges, and Yirendai shall take no action (nor permit any of its subsidiaries or VIE to take action) without the prior written consent of CreditEase that could result in any waiver of any Privilege that could be asserted by
CreditEase or any of its subsidiaries or VIEs under applicable law and this Agreement. With respect to Privileged Information of Yirendai, Yirendai shall have sole authority in perpetuity to determine whether to assert or waive any or all
Privileges, and CreditEase shall take no action (nor permit any of its subsidiaries or VIEs to take action) without the prior written consent of Yirendai that could result in any waiver of any Privilege that could be asserted by Yirendai or any of
its subsidiaries or VIE under applicable law and this Agreement. 
 (a) The rights and obligations created by this Section 4.6
shall apply to all Information as to which the Parties or their respective subsidiaries or VIE(s) would be entitled to assert or has asserted a Privilege (“Privileged Information”). Privileged Information of CreditEase includes but
is not limited to (i) any and all Information regarding the business of CreditEase and its subsidiaries and VIEs (other than Information regarding the Yirendai Business), whether or not it is in the possession of Yirendai or any of its
subsidiaries and VIE; (ii) all communications subject to a Privilege between counsel for CreditEase (including in-house counsel) and any individual who, at the time of the communication, was an employee of CreditEase, regardless of whether such
employee is or becomes an employee of Yirendai or any of its subsidiaries and VIE and (iii) all Information generated, received or arising after the Public Filing Date that refers or relates to Privileged Information of CreditEase generated,
received or arising prior to the Public Filing Date. Privileged Information of Yirendai includes but is not limited to (x) any and all Information regarding the Yirendai Business, whether or not it is in the possession of CreditEase or any of
its subsidiaries and VIEs; (y) all communications subject to a Privilege occurring after the Public Filing Date between counsel for Yirendai (including in-house counsel and former in-house counsel who are or were employees of CreditEase) and
any person who, at the time of the communication, was an employee of Yirendai, regardless of whether such employee was, is or becomes an employee of CreditEase or any of its subsidiaries or VIEs and (z) all Information generated, received or
arising after the Public Filing Date that refers or relates to Privileged Information of Yirendai generated, received or arising prior to the Public Filing Date. 

(b) Upon receipt by a Party or its subsidiaries or VIE(s) of any subpoena, discovery or other request from any third party that actually or
arguably calls for the production or disclosure of Privileged Information of the other Party or its subsidiaries or VIE(s), or if a Party or any of its subsidiaries or VIE(s) obtains knowledge that any of its current or former employees has received
any subpoena, discovery or other request from any third party that actually or arguably calls for the production or disclosure of Privileged Information of the other Party or its subsidiaries or VIE(s), such Party shall promptly notify that other
Party of the existence of the request and shall provide that other Party a reasonable opportunity to review the Information and to assert any rights such other Party may have under this Section 4.6 or otherwise to prevent the production or
disclosure of Privileged Information. CreditEase or its subsidiaries or VIEs, or Yirendai or its subsidiaries and VIE, as the case may be, will not produce or disclose to any third party any of the other Party’s Privileged Information under
this Section 4.6 unless (a) such other Party has provided its express written consent to such production or disclosure or (b) a court of competent jurisdiction has entered an order not subject to interlocutory appeal or review finding
that the Information is not entitled to protection from disclosure under any applicable privilege, doctrine or rule. 

  
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 (c) CreditEase’s transfer of books and records pertaining to the Yirendai Business and
other Information pertaining to Yirendai, if any, CreditEase’s agreement to permit Yirendai to obtain Information existing prior to the Public Filing Date, Yirendai’s transfer of books and records and other Information pertaining to
CreditEase, if any, and Yirendai’s agreement to permit CreditEase to obtain Information existing prior to the Public Filing Date are made in reliance on CreditEase’s and Yirendai’s respective agreements, as set forth in
Section 4.5 and this Section 4.6, to maintain the confidentiality of such Information and to take the steps provided herein for the preservation of all Privileges that may belong to or be asserted by CreditEase, or Yirendai, as the case
may be. The access to Information, witnesses and individuals being granted pursuant to Section 4.3 and Section 4.4 and the disclosure to one Party of Privileged Information relating to the other Party’s businesses pursuant to this
Agreement shall not be asserted by CreditEase or Yirendai to constitute, or otherwise be deemed, a waiver of any Privilege that has been or may be asserted under this Section 4.6 or otherwise. Nothing in this Agreement shall operate to reduce,
minimize or condition the rights granted to, or the obligations imposed upon, CreditEase and Yirendai by this Section 4.6. 

Section 4.7 Future Litigation and Other Proceedings. In the event that Yirendai (or any of its subsidiaries or VIE or any of its
or their respective officers or directors) or CreditEase (or any of its subsidiaries or VIEs or any of its or their respective officers or directors) at any time after the date hereof initiates or becomes subject to any litigation or other
proceedings before any Governmental Authority or arbitration panel with respect to which the Parties have no prior agreements (as to indemnification or otherwise), the Party (and its subsidiaries and VIE(s) and its and their respective officers and
directors) that has not initiated and is not subject to such litigation or other proceedings shall comply, at the litigant Party’s expense, with any reasonable requests by the litigant Party for assistance in connection with such litigation or
other proceedings (including by way of provision of Information and making available of employees as witnesses). In the event that Yirendai (or any of its subsidiaries or VIE or any of its or their respective officers or directors) and CreditEase
(or any of its subsidiaries or VIEs or any of its or their respective officers or directors), or any combination thereof, at any time after the date hereof initiate or become subject to any litigation or other proceedings before any Governmental
Authority or arbitration panel with respect to which the litigant Parties have no prior agreements (as to indemnification or otherwise), each litigant Party (and its officers and directors) shall, at their own expense, coordinate their strategies
and actions with respect to such litigation or other proceedings to the extent such coordination would not be detrimental to their respective interests and shall comply, at the expense of the requesting Party, with any reasonable requests of such
Party for assistance in connection therewith (including by way of provision of information and making available of employees as witnesses). 

  
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 Section 4.8 Mail and other Communications. Each of CreditEase and Yirendai may
receive mail, facsimiles, packages and other communications properly belonging to the other. Accordingly, each Party authorizes each of the other Party to receive and open all mail, telegrams, packages and other communications received by it and not
unambiguously intended for the other Party or any of the other Party’ officers or directors, and to retain the same to the extent that they relate to the business of the receiving Party or, to the extent that they do not relate to the business
of the receiving Party, the receiving Party shall promptly deliver such mail, telegrams, packages or other communications, including, without limitation, notices of any liens or encumbrances on any asset transferred to Yirendai or its subsidiaries
or VIE in connection with the separation from CreditEase, if any, (or, in case the same relate to both businesses, copies thereof) to the other Party as provided for in Section 7.5 hereof. The provisions of this Section 4.8 are not
intended to, and shall not, be deemed to constitute (a) an authorization by either CreditEase or Yirendai to permit the other to accept service of process on its behalf and no Party is or shall be deemed to be the agent of the other Party for
service of process purposes or (b) a waiver of any Privilege with respect to Privileged Information contained in such mail, telegrams, packages or other communications. 

Section 4.9 Other Inter-Company Services Agreements. To the extent not covered under the Inter-Company Agreements, CreditEase and
its subsidiaries and VIEs, on the one hand, and Yirendai and its subsidiaries and VIE, on the other, may enter into other services agreements from time to time covering the provision of various services, if any, including financial, accounting,
legal, and other services by CreditEase (and its subsidiaries and VIEs) to Yirendai (and its subsidiaries and VIE) or, in certain circumstances, vice versa. 

Section 4.10 Payment of Expenses. Except as otherwise provided in this Agreement, the Inter-Company Agreements or any other
agreement between the Parties relating to the IPO, (i) all costs and expenses of the Parties in connection with the IPO (including costs associated with drafting this Agreement, the Inter-Company Agreements and the documents relating to the
formation of Yirendai and its subsidiaries and VIE) shall be paid by Yirendai and (ii) all costs and expenses of the Parties in connection with any matter not relating to the IPO shall be paid by the Party which incurs such cost or expense.
Notwithstanding the foregoing, Yirendai and CreditEase shall each be responsible for their own internal fees, costs and expenses (e.g., salaries of personnel) incurred in connection with the IPO. 

ARTICLE 5 
 MUTUAL
RELEASES; INDEMNIFICATION 
 Section 5.1 Release of Claims. 

(a) Yirendai Release. Except as provided in Section 5.1(c), Yirendai, for itself and as agent for each of its subsidiaries and
VIE, does hereby assume, and does hereby remise, release and forever discharge the CreditEase Indemnitees from, any and all Liabilities whatsoever, whether at law or in equity (including any right of contribution), whether arising under any contract
or agreement, by operation of law or otherwise, existing or arising from any past acts or events occurring or failing to occur or alleged to have occurred or to have failed to occur or any conditions existing or alleged to have existed on or before
the Public Filing Date, including in connection with the transactions and all other activities to implement the IPO. 

  
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 (b) CreditEase Release. Except as provided in Section 5.1(c), CreditEase, for itself
and as agent for each of its subsidiaries and VIEs, does hereby remise, release and forever discharge the Yirendai Indemnitees from any and all Liabilities whatsoever, whether at law or in equity (including any right of contribution), whether
arising under any contract or agreement, by operation of law or otherwise, existing or arising from any past acts or events occurring or failing to occur or alleged to have occurred or to have failed to occur or any conditions existing or alleged to
have existed on or before the Public Filing Date, including in connection with the transactions and all other activities to implement the IPO. 

(c) No Impairment. Nothing contained in Section 5.1(a) or Section 5.1(b) shall limit or otherwise affect any Party’s
rights or obligations pursuant to or contemplated by this Agreement or any Inter-Company Agreement, in each case in accordance with its terms, including, without limitation, any obligations relating to indemnification, including indemnification
pursuant to Section 5.2 and Section 5.3 of this Agreement. 
 Section 5.2 Indemnification by Yirendai. Except as
otherwise provided in this Agreement, Yirendai shall, for itself and as agent for each of its subsidiaries and VIE, indemnify, defend (or, where applicable, pay the defense costs for) and hold harmless the CreditEase Indemnitees from and against,
and shall reimburse the CreditEase Indemnitees with respect to, any and all Losses that any third party seeks to impose upon the CreditEase Indemnitees, or which are imposed upon the CreditEase Indemnitees, and that relate to, arise or result from,
whether prior to, on or following the Public Filing Date, any of the following items (without duplication): 
 (a) any Yirendai Liability;

 (b) any breach by Yirendai or any of its subsidiaries and VIE of this Agreement or any of the Inter-Company Agreements; and 

(c) any Liabilities relating to, arising out of or resulting from any untrue statement or alleged untrue statement of a material fact or
omission or alleged omission to state a material fact required to be stated therein or necessary to make the statements therein not misleading, with respect to all information (i) contained in the IPO Registration Statement, any issuer free
writing prospectus or any preliminary, final or supplemental prospectus forming a part of the IPO Registration Statement (other than information provided in writing by CreditEase or any of its subsidiaries or VIEs to Yirendai specifically for
inclusion in the IPO Registration Statement, any issuer free writing prospectus or any preliminary, final or supplemental prospectus forming a part of the IPO Registration Statement), (ii) contained in any public filings made by Yirendai with
the SEC following the Public Filing Date or (iii) provided in writing by Yirendai or its subsidiaries or VIE to CreditEase specifically for inclusion in CreditEase’s annual or quarterly reports (if any) following the Public Filing Date to
the extent (A) such information pertains to (x) Yirendai or its subsidiaries or VIE or (y) the Yirendai Business or (B) CreditEase has provided prior written notice to Yirendai that such information will be included in one or
more annual or quarterly reports (if any), specifying how such information will be presented, and the information is included in such annual or quarterly reports; provided that this sub-clause (B) shall not apply to the extent that any such
Liability arises out of or results from, or in connection with, any action or inaction of CreditEase or any of its subsidiaries or VIEs, including as a result of any misstatement or omission of any information by CreditEase or its subsidiaries or
VIEs to Yirendai. 

  
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 In the event that Yirendai or any of its subsidiaries or VIE makes a payment to the CreditEase
Indemnitees hereunder, and any of the CreditEase Indemnitees subsequently diminishes the Liability on account of which such payment was made, either directly or through a third-party recovery (other than a recovery indirectly from CreditEase or its
subsidiaries or VIEs), CreditEase will promptly repay (or will procure an CreditEase Indemnitee to promptly repay) Yirendai (or its subsidiaries or VIE that has made the payment) the amount by which the payment made by Yirendai (or its subsidiaries
or VIE that has made the payment) exceeds the actual cost of the associated indemnified Liability. 
 Section 5.3 Indemnification by
CreditEase. Except as otherwise provided in this Agreement, CreditEase shall, for itself and as agent for each of its subsidiaries and VIEs, indemnify, defend (or, where applicable, pay the defense costs for) and hold harmless the Yirendai
Indemnitees from and against, and shall reimburse each such Yirendai Indemnitee with respect to, any and all Losses that any third party seeks to impose upon the Yirendai Indemnitees or which are imposed upon the Yirendai Indemnitees to the extent
relating to, arising from or resulting from, whether prior to, on or following the Public Filing Date, any of the following items (without duplication): 

(a) any Liability of CreditEase or its subsidiaries or VIEs and all Liabilities arising out of the operation or conduct of the CreditEase
Business (in each case excluding the Yirendai Liabilities); 
 (b) any breach by CreditEase or any member of the CreditEase Group of this
Agreement or any of the Inter-Company Agreements; and 
 (c) any Liabilities relating to, arising out of or resulting from any untrue
statement or alleged untrue statement of a material fact or omission or alleged omission to state a material fact required to be stated therein or necessary to make the statements therein not misleading, with respect to all information
(i) contained in the IPO Registration Statement, any issuer free writing prospectus or any preliminary, final or supplemental prospectus forming a part of the IPO Registration Statement and provided in writing by CreditEase or any of its
subsidiaries or VIEs to Yirendai specifically for inclusion in the IPO Registration Statement, any issuer free writing prospectus or any preliminary, final or supplemental prospectus forming a part of the IPO Registration Statement),
(ii) contained in any public filings made by CreditEase with the SEC following the Public Filing Date, if any, or (iii) provided in writing by CreditEase or its subsidiaries or VIEs to Yirendai specifically for inclusion in Yirendai’s
annual or quarterly reports following the Public Filing Date to the extent (A) such information pertains to (x) CreditEase or any of its subsidiaries or VIEs or (y) the CreditEase Business or (B) Yirendai has provided prior
written notice to CreditEase that such information will be included in one or more annual or quarterly reports, specifying how such information will be presented, and the information is included in such annual or quarterly reports; provided that
this sub-clause (B) shall not apply to the extent that any such Liability arises out of or results from, or in connection with, any action or inaction of Yirendai or any of its subsidiaries or VIE, including as a result of any misstatement or
omission of any information by Yirendai or any of its subsidiaries or VIE to CreditEase. 

  
 20 

 In the event that CreditEase or any of its subsidiaries or VIEs makes a payment to the Yirendai
Indemnitees hereunder, and any of the Yirendai Indemnitees subsequently diminishes the Liability on account of which such payment was made, either directly or through a third-party recovery (other than a recovery indirectly from Yirendai or its
subsidiaries or VIE), Yirendai will promptly repay (or will procure a Yirendai Indemnitee to promptly repay) CreditEase (or any of its subsidiaries or VIEs that has made the payment) the amount by which the payment made by CreditEase (or any its
subsidiaries or VIEs that has made the payment) exceeds the actual cost of the indemnified Liability. 
 Section 5.4 Procedures for
Defense, Settlement and Indemnification of the Third Party Claims. 
 (a) Notice of Claims. If an Indemnitee shall receive notice or
otherwise learn of the assertion by a Person (including any Governmental Authority) other than CreditEase, Yirendai and their respective subsidiaries and VIE(s) of any claim or of the commencement by any such Person of any Action (collectively, a
“Third Party Claim”) with respect to which an Indemnifying Party may be obligated to provide indemnification, CreditEase or Yirendai, as applicable, will ensure that such Indemnitee shall give such Indemnifying Party written notice
thereof within thirty (30) days after becoming aware of such Third Party Claim. Any such notice shall describe the Third Party Claim in reasonable detail. Notwithstanding the foregoing, the delay or failure of any Indemnitee or other Person to
give notice as provided in this Section 5.4 shall not relieve the related Indemnifying Party of its obligations under this Article 5, except to the extent that such Indemnifying Party is actually and substantially prejudiced by such delay or
failure to give notice. 
 (b) Defense by Indemnifying Party. An Indemnifying Party shall be entitled to participate in the defense
of any Third Party Claim and, to the extent that it wishes, at its cost, risk and expense, to assume the defense thereof, with counsel reasonably satisfactory to the Indemnitee, unless the Indemnifying Party is also a party to such proceeding and
the Indemnitee determines in good faith that joint representation would be materially prejudicial to the Indemnitee’s defense. After timely notice from the Indemnifying Party to the Indemnitee of such election to so assume the defense thereof,
the Indemnifying Party shall not be liable to the Indemnitee for any legal expenses of other counsel or any other expenses subsequently incurred by the Indemnitee in connection with the defense thereof. The Indemnitee agrees to cooperate in all
reasonable respects with the Indemnifying Party and its counsel in the defense against any Third Party Claim. The Indemnifying Party shall be entitled to compromise or settle any Third Party Claim as to which it is providing indemnification,
provided that any compromise or settlement shall be made only with the written consent of the Indemnitee, such consent not to be unreasonably withheld. 

(c) Defense by Indemnitee. If an Indemnifying Party fails to assume the defense of a Third Party Claim within thirty
(30) days after receipt of notice of such claim, the Indemnitee will, upon delivering notice to such effect to the Indemnifying Party, have the right to undertake the defense, compromise or settlement of such Third Party Claim on behalf of and
for the account of the Indemnifying Party subject to the limitations as set forth in this Section 5.4; provided, however, that such Third Party Claim shall not be compromised or settled without the written consent of the Indemnifying
Party, which consent shall not be unreasonably withheld. If the Indemnitee assumes the defense of any Third Party Claim, it shall keep the Indemnifying Party reasonably informed of the progress of any such defense, compromise or settlement. The
Indemnifying Party shall reimburse all such costs and expenses of the Indemnitee in the event it is ultimately determined that the Indemnifying Party is obligated to indemnify the Indemnitee with respect to such Third Party Claim. In no event shall
an Indemnifying Party be liable for any settlement effected without its consent, which consent shall not be unreasonably withheld. 

  
 21 

 Section 5.5 Additional Matters. 

(a) Cooperation in Defense and Settlement. With respect to any Third Party Claim that implicates both Yirendai and CreditEase in a
material way due to the allocation of Liabilities, responsibilities for management of defense and related indemnities set forth in this Agreement or any of the Inter-Company Agreements, the Parties agree to cooperate fully and maintain a joint
defense (in a manner that will preserve the attorney-client privilege, joint defense or other privilege with respect thereto) so as to minimize such Liabilities and defense costs associated therewith. Any Party that is not responsible for managing
the defense of such Third Party Claims shall, upon reasonable request, be consulted with respect to significant matters relating thereto and may, if necessary or helpful, engage counsel to assist in the defense of such claims. 

(b) Subrogation. In the event of payment by or on behalf of any Indemnifying Party to or on behalf of any Indemnitee in connection with
any Third Party Claim, such Indemnifying Party shall be subrogated to and shall stand in the place of such Indemnitee, in whole or in part based upon whether the Indemnifying Party has paid all or only part of the Indemnitee’s Liability, as to
any events or circumstances in respect of which such Indemnitee may have any right, defense or claim relating to such Third Party Claim against any claimant or plaintiff asserting such Third Party Claim or against any other person. Such Indemnitee
shall cooperate with such Indemnifying Party in a reasonable manner, and at the cost and expense of such Indemnifying Party, in prosecuting any subrogated right, defense or claim. 

Section 5.6 Survival of Indemnities. The rights and obligations of the Parties under this Article 5 shall survive the sale or
other transfer by any Party of any of its assets or businesses or the assignment by it of any Liabilities or the acquisition of control of such Party (by sale of capital stock or other equity interests, merger, consolidation or otherwise). 

ARTICLE 6 
 DISPUTE
RESOLUTION 
 Section 6.1 Dispute Resolution. 

(a) Any dispute, controversy or claim arising out of or relating to this Agreement, or the breach, termination or validity thereof
(“Dispute”) which arises between the Parties shall first be negotiated between appropriate senior executives of each Party who shall have the authority to resolve the matter. Such executives shall meet to attempt in good faith to
negotiate a resolution of the Dispute prior to pursuing other available remedies, within ten (10) days of receipt by a Party of written notice of a Dispute, which date of receipt shall be referred to herein as the “Dispute Resolution
Commencement Date.” Discussions and correspondence relating to trying to resolve such Dispute shall be treated as Confidential Information and Privileged Information of each of CreditEase and Yirendai developed for the purpose of settlement
and shall be exempt from discovery or production and shall not be admissible in any subsequent proceeding between the Parties. 

  
 22 

 (b) If the senior executives are unable to resolve the Dispute within 60 days from the Dispute
Resolution Commencement Date, then, the Dispute will be submitted to the boards of directors of CreditEase and Yirendai. Representatives of each board of directors shall meet as soon as practicable to attempt in good faith to negotiate a resolution
of the Dispute. 
 (c) If the representatives of the two boards of directors are unable to resolve the Dispute within 120 days from the
Dispute Resolution Commencement Date, on the request of any Party, the Dispute will be mediated by a mediator appointed pursuant to the mediation rules of the American Arbitration Association. Both Parties will share the administrative costs of the
mediation and the mediator’s fees and expenses equally, and each Party shall bear all of its other costs and expenses related to the mediation, including but not limited to attorney’s fees, witness fees, and travel expenses. The mediation
shall take place in Beijing, China or in whatever alternative forum on which the Parties may agree. 
 (d) If the Parties cannot resolve any
Dispute through mediation within 45 days after the appointment of the mediator (or the earlier withdrawal thereof), each Party shall be entitled to submit the Dispute to Hong Kong International Arbitration Centre for arbitration in accordance with
the Hong Kong International Arbitration Centre Administered Arbitration Rules in force at the time when the Dispute is submitted. There shall be three (3) arbitrators. The third and presiding arbitrator shall be qualified to practice law in New
York. The place or seat of arbitration shall be Hong Kong. The award of the arbitral tribunal shall be final and binding upon the parties thereto, and the prevailing party may apply to a court of competent jurisdiction for enforcement of such award.

 Unless otherwise agreed in writing, the Parties will continue to provide service and honor all other commitments under this Agreement and
each Inter-Company Agreement during the course of dispute resolution pursuant to the provisions of this Section 6.1 with respect to all matters not subject to such dispute, controversy or claim. 

ARTICLE 7 

MISCELLANEOUS. 

Section 7.1 Consent. Any consent of a Party pursuant to this Agreement or any of the Inter-Company Agreements shall not be
effective unless it is in writing and evidenced by the signature of the Chief Executive Officer or Chief Financial Officer of such Party (or such other person that the Chief Executive Officer, Chief Financial Officer or board of directors of such
Party has specifically authorized in writing to give such consent). 
 Section 7.2 Limitation of Liability. IN NO EVENT SHALL
CREDITEASE OR ANY MEMBER OF THE CREDITEASE GROUP OR YIRENDAI OR ANY OF ITS SUBSIDIARIES OR VIE BE LIABLE TO THE OTHER PARTY, OR ITS AFFILIATED COMPANIES FOR ANY SPECIAL, CONSEQUENTIAL, INDIRECT, INCIDENTAL OR PUNITIVE DAMAGES OR LOST PROFITS,
HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY (INCLUDING NEGLIGENCE) ARISING IN ANY WAY OUT OF THIS AGREEMENT, WHETHER OR NOT SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; PROVIDED, HOWEVER, THAT THE FOREGOING
LIMITATIONS SHALL NOT LIMIT EACH PARTY’S INDEMNIFICATION OBLIGATIONS FOR LIABILITIES AS SET FORTH IN THIS AGREEMENT OR IN ANY INTER-COMPANY AGREEMENT. 

  
 23 

 Section 7.3 Termination. This Agreement may be terminated by mutual consent of
the Parties, evidenced by an instrument in writing signed on behalf of each of the Parties. In the event of termination pursuant to this Section 7.3, no Party shall have any liability of any kind to the other Party. This Agreement shall
terminate on the date that is five (5) years after the Control Ending Date; provided, however, that (i) the provisions of Section 4.7 shall survive for a period of seven (7) years after the termination of this
Agreement, and (ii) the provisions of Section 4.5, Article 5, Article 6 and Article 7 shall survive indefinitely after the termination of this Agreement. For avoidance of doubt, the termination of this Agreement shall not affect the
validity and effectiveness of the Inter-Company Agreements.  
 Section 7.4 Amendment. This Agreement may not be amended
except by an instrument in writing executed by a duly authorized representative of each party. 
 Section 7.5 Notices. Notices,
offers, requests or other communications required or permitted to be given by a Party pursuant to the terms of this Agreement shall be given in writing to the other Party to the following addresses (or at such other address for a party as shall be
specified in a notice given in accordance with this Section): 
 if to CreditEase: 

16/F, Tower C, SOHO New Town, 
 88
Jianguo Road, Chaoyang District 
 Beijing, 100022 

The People’s Republic of China 

if to Yirendai: 
 4/F, Building
2A, No. 6 Lang Jia Yuan 
 Chaoyang District, Beijing 

The People’s Republic of China 

or to such other address, facsimile number or email address as the Party to whom notice is given may have previously furnished to the other in
writing as provided herein. Any notice involving non-performance or termination shall be sent by hand delivery or recognized courier. All other notices may also be sent by facsimile or email, confirmed by mail. All notices shall be deemed to have
been given when received, if hand delivered; when transmitted, if transmitted by facsimile or email; upon confirmation of delivery, if sent by recognized courier; and upon receipt if mailed. 

If any of such notice or other correspondences is transmitted by facsimile or telex, it shall be treated as delivered immediately upon
transmission; if delivered in person, it shall be treated as delivered at the time of delivery; if posted by mail, it shall be treated as delivered five (5) days after posting. 

Section 7.6 Governing Law. This Agreement shall be governed by, and construed in accordance with, the laws of the State of New
York, U.S.A. 
 Section 7.7 Authority. Each of the Parties hereto represents to the others that (a) it has the corporate or
other requisite power and authority to execute, deliver and perform this Agreement, (b) the execution, delivery and performance of this Agreement by it have been duly authorized by all necessary corporate or other actions, (c) it has duly
and validly executed and delivered this Agreement, and (d) this Agreement is a legal, valid and binding obligation, enforceable against it in accordance with its terms subject to applicable bankruptcy, insolvency, reorganization, moratorium or
other similar laws affecting creditors’ rights generally and general equity principles. 

  
 24 

 Section 7.8 Entire Agreement. This Agreement, the Inter-Company Agreements and the
Exhibits and Schedules referenced or attached hereto and thereto constitute the entire agreement among the Parties with respect to the subject matter hereof and thereof and supersede all previous agreements, negotiations, discussions, writings,
understandings, commitments and conversations with respect to the subject matter hereof and thereof. 
 Section 7.9
Severability. If any term of this Agreement is determined by a court, administrative agency or arbitrator to be invalid, illegal or incapable of being enforced by any rule of law or public policy, all other conditions and provisions of this
Agreement shall nevertheless remain in full force and effect so long as the economic or legal substance of the transactions contemplated hereby is not affected in any manner materially adverse to any Party. Upon such determination that any term or
other provision is invalid, illegal or incapable of being enforced, the Parties hereto shall negotiate in good faith to modify this Agreement so as to effect the original intent of the Parties as closely as possible in an acceptable manner to the
end that transactions contemplated hereby are fulfilled to the fullest extent possible. 
 Section 7.10 Failure or Indulgence not
Waiver; Remedies Cumulative. No failure or delay on the part of any Party hereto in the exercise of any right hereunder shall impair such right or be construed to be a waiver of, or acquiescence in, any breach of any representation, warranty or
agreement herein, nor shall any single or partial exercise of any such right preclude other or further exercise thereof or of any other right. All rights and remedies existing under this Agreement are cumulative to, and not exclusive of, any rights
or remedies otherwise available. 
 Section 7.11 Binding Effect; Assignment. This Agreement shall inure to the
benefit of and be binding upon the Parties hereto and their respective legal representatives and successors, and nothing in this Agreement, express or implied, is intended to confer upon any other Person any rights or remedies of any nature
whatsoever under or by reason of this Agreement. No Party may assign this Agreement or any rights or obligations hereunder, without the prior written consent of the other Party, and any such assignment shall be void; provided, however, each
Party may assign this Agreement to a successor entity in conjunction with such Party’s reincorporation in another jurisdiction or into another business form. 

Section 7.12 No Third Party Beneficiaries. None of the provisions of this Agreement shall be for the benefit of or enforceable by
any third party, including any creditor of any Person. No such third party shall obtain any right under any provision of this Agreement or shall by reasons of any such provision make any claim in respect of any Liability (or otherwise) against
either Party hereto. 
 Section 7.13 Inconsistency. None of the provisions of this Agreement is intended to supersede any
provision in any Inter-Company Agreement or any other agreement with respect to the respective subject matters thereof. In the event of conflict between this Agreement and any Inter-Company Agreement or other agreement executed in connection
herewith, the provisions of such other agreement shall prevail. 

  
 25 

 Section 7.14 Interpretation. The headings contained in this Agreement and in the
table of contents to this Agreement are for reference purposes only and shall not affect in any way the meaning or interpretation of this Agreement. For all purposes of this Agreement: (i) all references in this Agreement to designated
“Sections” and other subdivisions are to the designated Sections and other subdivisions of the body of this Agreement unless otherwise indicated; (ii) the words “herein”, “hereof” and “hereunder” and
other words of similar import refer to this Agreement as a whole and not to any particular Section or other subdivision; (iii) “or” is not exclusive; (iv) “including” and “includes” will be deemed to be
followed by “but not limited to” and “but is not limited to”, respectively; (v) any definition of, or reference to, any law, agreement, instrument or other document herein will be construed as referring to such law,
agreement, instrument or other document as from time to time amended, supplemented or otherwise modified; and (vi) any definition of, or reference to, any statute will be construed as referring also to any rules and regulations promulgated
thereunder. 
 Section 7.15 Counterparts. This Agreement may be executed in one or more counterparts, each of which shall be
deemed to be an original but all of which shall constitute one and the same agreement. Delivery of an executed counterpart of a signature page of this Agreement by facsimile or other electronic imaging means will be effective as delivery of a
manually executed counterpart of this Agreement. 
 [Signature page follows] 

  
 26 

 WHEREFORE, the Parties have signed this Master Transaction Agreement effective as of the date
first set forth above. 
  

			
	CreditEase Holdings (Cayman) Limited
		
	By:	 	 /s/ Ning Tang

	Name:	 	Ning Tang
	Title:	 	Director
	
	Yirendai Ltd.
		
	By:	 	 /s/ Ning Tang

	Name:	 	Ning Tang
	Title:	 	Executive Chairman of the Board of Directors

 [Signature Page to Master Transaction Agreement]EX-10.4

 Exhibit 10.4 

TRANSITIONAL SERVICES AGREEMENT 

Between 
 CREDITEASE
HOLDINGS (CAYMAN) LIMITED 
 and 

YIRENDAI LTD. 
 Dated as
of November 9, 2015 

 TABLE OF CONTENTS 

 

							
	 ARTICLE 1
	   

	
	 DEFINITIONS.
	   

			
	 Section 1.1
	 	Capitalized terms	  	 	1	  
	
	 ARTICLE 2
	   

	
	 SERVICES.
	   

			
	 Section 2.1
	 	Initial Services	  	 	4	  
	 Section 2.2
	 	Additional Services	  	 	4	  
	 Section 2.3
	 	Scope of Services	  	 	5	  
	 Section 2.4
	 	Limitation on Provision of Services	  	 	5	  
	 Section 2.5
	 	Standard of Performance; Standard of Care	  	 	6	  
	 Section 2.6
	 	Changes in Services	  	 	7	  
	 Section 2.7
	 	Services Performed by Third Parties	  	 	8	  
	 Section 2.8
	 	Responsibility for Provider Personnel	  	 	8	  
	 Section 2.9
	 	Services Rendered as a Work-For-Hire; Return of Equipment; Internal Use; No Sale, Transfer, Assignment; Copies	  	 	8	  
	 Section 2.10
	 	Cooperation	  	 	9	  
	
	 ARTICLE 3
	   

	
	 PRICES AND PAYMENT.
	   

	 Section 3.1
	 	Prices for Services	  	 	9	  
	 Section 3.2
	 	Procedure	  	 	9	  
	 Section 3.3
	 	Late Payments	  	 	9	  
	
	 ARTICLE 4
	   

	
	 TERM AND TERMINATION.
	   

			
	 Section 4.1
	 	Termination Dates	  	 	9	  
	 Section 4.2
	 	Early Termination by the Recipient	  	 	9	  
	 Section 4.3
	 	Termination by the Provider	  	 	10	  
	 Section 4.4
	 	Effect of Termination of Services	  	 	10	  
	 Section 4.5
	 	Data Transmission	  	 	10	  
	
	 ARTICLE 5
	   

	
	 MISCELLANEOUS.
	   

			
	 Section 5.1
	 	Disclaimer of Warranties	  	 	11	  
	 Section 5.2
	 	Limitation of Liability; Indemnification	  	 	11	  
	 Section 5.3
	 	Compliance with Law and Governmental Regulations	  	 	12	  

  
 i 

							
	 Section 5.4
	 	No Partnership or Joint Venture; Independent Contractor	  	 	12	  
	 Section 5.5
	 	Non-Exclusivity	  	 	13	  
	 Section 5.6
	 	Expenses	  	 	13	  
	 Section 5.7
	 	Further Assurances	  	 	13	  
	 Section 5.8
	 	Confidentiality	  	 	13	  
	 Section 5.9
	 	Amendments	  	 	14	  
	 Section 5.10
	 	Notices	  	 	14	  
	 Section 5.11
	 	Governing Law	  	 	14	  
	 Section 5.12
	 	Dispute Resolution	  	 	15	  
	 Section 5.13
	 	Incorporation by Reference	  	 	15	  
	 Section 5.14
	 	Entire Agreement	  	 	16	  
	 Section 5.15
	 	Severability	  	 	16	  
	 Section 5.16
	 	Failure or Indulgence not Waiver; Remedies Cumulative	  	 	16	  
	 Section 5.17
	 	Assignment; No Third-Party Beneficiaries	  	 	16	  
	 Section 5.18
	 	Inconsistency	  	 	16	  
	 Section 5.19
	 	Interpretation	  	 	17	  
	 Section 5.20
	 	Counterparts	  	 	17	  

  
 ii 

 TRANSITIONAL SERVICES AGREEMENT 

This Transitional Services Agreement (this “Agreement”) is dated as of November 9, 2015, by and between, CreditEase
Holdings (Cayman) Limited, an exempted company with limited liability incorporated under the laws of the Cayman Islands (“CreditEase”), on behalf of itself and other members of CreditEase Group, and Yirendai Ltd., a company
incorporated under the laws of the Cayman Islands (“Yirendai”), on behalf of itself and other members of Yirendai Group.  

RECITALS 
 WHEREAS,
as of the date hereof, Yirendai is a wholly owned subsidiary of CreditEase; 
 WHEREAS, the parties currently contemplate that
Yirendai will make an initial public offering (“IPO”) pursuant to a Registration Statement on Form F-1 confidentially submitted for review and comment by the U.S. Securities and Exchange Commission under the U.S. Securities Act of
1933, as amended, to be filed publicly with the U.S. Securities and Exchange Commission via its EDGAR system following the substantial completion of such review and comment and as financial market conditions permit (as so filed, and as amended
thereafter from time to time, the “IPO Registration Statement”);  
 WHEREAS, CreditEase and Yirendai have
entered into that certain Master Transaction Agreement, dated as of the date hereof (the “Master Transaction Agreement”), which sets forth and memorializes the principal arrangements between CreditEase and Yirendai regarding their
relationship from and after the filing of the IPO Registration Statement and the consummation of the IPO, including the entering into of this Agreement; and  

WHEREAS, the parties desire that members of CreditEase Group will continue to provide certain services to members of Yirendai Group and that
members of Yirendai Group will also provide certain services to members of CreditEase Group. 
 NOW, THEREFORE, in consideration of the
foregoing recitals, the mutual covenants and undertakings contained herein and the transactions contemplated by the Master Transaction Agreement, the receipt and sufficiency of which are acknowledged, the parties hereby mutually agree as follows:

 ARTICLE 1 

DEFINITIONS. 

Section 1.1 Capitalized terms used and not otherwise defined herein will have the meanings ascribed to such terms in the Master
Transaction Agreement. Capitalized terms used in the Schedule but not otherwise defined therein, will have the meaning ascribed to such word in this Agreement. For purposes of this Agreement, the following words and phrases will have the following
meanings: 
 “Actual Cost” has the meaning set forth in Section 3.1 of this Agreement.  

  
 1 

 “Additional Services” has the meaning set forth in Section 2.2 of
this Agreement.  
 “Affiliate” of any Person means a Person that controls, is controlled by,
or is under common control with such Person; provided that, under this Agreement, “Affiliate” of any member of CreditEase Group excludes members of Yirendai Group, and “Affiliate” of any member of Yirendai Group excludes
members of CreditEase Group. As used herein, “control” means the possession, directly or indirectly, of the power to direct or cause the direction of the management and policies of such entity, whether through ownership of voting
securities or other interests, by contract or otherwise.  
 “Agreement” means this Transitional Services
Agreement, together with the Schedule hereto, as the same may be amended from time to time in accordance with the provisions hereof.  

“Claims” has the meaning set forth in Section 5.2(d) of this Agreement.  

“Control Ending Date” means the earlier of (i) the first date upon which members of the CreditEase Group no
longer collectively own at least twenty percent (20%) of the voting power of the then outstanding securities of Yirendai and (ii) the first date upon which CreditEase, collectively with the other members of the CreditEase Group, ceases to
be the largest beneficial owner of the then outstanding voting securities of Yirendai (for purposes of this clause (ii), without considering holdings of institutional investors that have acquired Yirendai securities in the ordinary course of their
business and not with a purpose nor with the effect of changing or influencing the control of Yirendai). 

“CreditEase” has the meaning set forth in the preamble of this Agreement.  

“CreditEase Group” means CreditEase and its subsidiaries and VIEs, other than Yirendai and its subsidiaries and VIE.
 
 “Dispute” has the meaning set forth in Section 5.12 of this Agreement.  

“Dispute Resolution Commencement Date” has the meaning set forth in Section 5.12 of this Agreement.  

“Force Majeure Event” has the meaning set forth in Section 2.4(b) of this Agreement.  

“Governmental Authority” means any federal, state, local, foreign or international court, government, department,
commission, board, bureau, agency, official or other regulatory, administrative or governmental authority.  

“Indemnitee” has the meaning set forth in Section 5.2(d) of this Agreement.  

“Indemnitor” has the meaning set forth in Section 5.2(d) of this Agreement.  

“Information” means information in written, oral, electronic or other tangible or intangible forms, stored in any
medium, including studies, reports, records, books, contracts, instruments, surveys, discoveries, ideas, concepts, know-how, techniques, designs, specifications, drawings, blueprints, diagrams, models, prototypes, samples, flow charts, data,
computer data, disks, diskettes, tapes, computer programs or other software, marketing plans, customer names, communications by or to attorneys (including attorney-client privileged communications), memoranda and other materials prepared by
attorneys or under their direction (including attorney work product), and other technical, financial, employee or business information or data.  

  
 2 

 “Initial Services” has the meaning set forth in Section 2.1 of this
Agreement.  
 “IPO” has the meaning set forth in the recitals to this Agreement.  

“IPO Completion Date” means the closing date of the IPO, on which the delivery of and payment for the securities
offered by Yirendai (excluding securities offered by Yirendai upon underwriter(s)’ exercise of over-allotment option) in connection with the IPO will take place.  

“IPO Registration Statement” has the meaning set forth in the recitals to this Agreement.  

“Law” means any law, statute, rule, regulation or other requirement imposed by a Governmental Authority.  

“Master Transaction Agreement” has the meaning set forth in the recitals to this Agreement.  

“Person” means an individual, a general or limited partnership, a corporation, a trust, a joint venture, an
unincorporated organization, a limited liability entity, any other entity and any Governmental Authority.  

“PRC” means the People’s Republic of China, which, for purposes of this Agreement only, does not include the Hong
Kong Special Administrative Region, the Macau Special Administrative Region and Taiwan.  
 “Provider” means,
with respect to any particular Service, the entity or entities identified on the Schedule as the party to provide such Service.  

“Provider Personnel” has the meaning set forth in Section 2.8 of this Agreement.  

“Recipient” means, with respect to any particular Service, the entity or entities identified on the Schedule as the
party to receive such Service.  
 “Review Meetings” has the meaning set forth in Section 2.10 of this
Agreement.  
 “Schedule” has the meaning set forth in Section 2.1 of this Agreement.  

“Service Period” means, with respect to any Service, the period commencing on the IPO Completion Date, and ending on
the earlier of (i) the date the Recipient terminates the provision of such Service pursuant to Section 4.2, (ii) the date the Provider terminates the provision of such Service pursuant to Section 4.3, (iii) the fifth
anniversary of the IPO Completion Date, and (iv) one year after the Control Ending Date. 
 “Services”
has the meaning set forth in Section 2.2 of this Agreement.  

  
 3 

 “System” means the software, hardware, data store or maintenance and
support components or portions of such components of a set of information assets identified in a Schedule.  

“Tax” means all forms of direct and indirect taxation or duties imposed, or required to be collected or withheld,
including charges, together with any related interest, penalties or other additional amounts.  
 “Termination
Notice” has the meaning set forth in Section 4.2 of this Agreement.  
 “U.S. GAAP” means
generally accepted accounting principles in the United States as in effect from time to time.  
 “VIE” of
any Person means any entity that controls, is controlled by, or is under common control with such Person and is deemed to be a variable interest entity consolidated with such Person for purposes of U.S. GAAP.  

“Work Product” has the meaning set forth in Section 2.9 of this Agreement.  

“Yirendai” has the meaning set forth in the preamble of this Agreement.  

“Yirendai Group” means Yirendai and its subsidiaries and VIE.  

ARTICLE 2 
 SERVICES.

 Section 2.1 Initial Services. Except as otherwise provided herein, during the applicable Service
Period, each Provider agrees to provide, or with respect to any service to be provided by an Affiliate of such Provider, to cause such Affiliate to provide, to the Recipient, or with respect to any service to be provided to an Affiliate of the
Recipient, to such Affiliate, the services that have been provided by the Provider and/or its Affiliates to the Recipient or its Affiliate (the “Initial Services”), including but not limited to the services set forth on the Schedule
(the “Schedule”) annexed hereto.  
 Section 2.2 Additional Services. From time to time
during the applicable Service Period, the parties may identify additional services that the Provider will provide to the Recipient in accordance with the terms of this Agreement (the “Additional Services” and, together with the
Initial Services, the “Services”). If the parties agree to add any Additional Services, the parties will mutually create a Schedule or amend the existing Schedule for each such Additional Service setting forth the identities of the
Provider and the Recipient, a description of such Service, the term during which such Service will be provided, the cost, if any, for such Service and any other provisions applicable thereto. In order to become a part of this Agreement, such
amendment to the Schedule must be executed by a duly authorized representative of each party, at which time such Additional Service will, together with the Initial Services, be deemed to constitute a “Service” for the purposes hereof and
will be subject to the terms and conditions of this Agreement. The parties may, but are not required to, agree on Additional Services during the applicable Service Period. Notwithstanding anything to the contrary in the foregoing or anywhere else in
this Agreement, any service actually performed by the Provider upon written or oral request by the Recipient in connection with this Agreement will be deemed to constitute a “Service” for the purposes of Article 3 and Section 5.2, but
such “Service” will only be incorporated into this Agreement by an amendment as set forth in this Section 2.2 and Section 5.11. Notwithstanding the foregoing, neither party will have any obligation to agree to provide Additional
Services.  

  
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 Section 2.3 Scope of Services. Notwithstanding anything to the contrary herein,
(i) neither the Provider nor any of its Affiliates will be required to perform or to cause to be performed any of the Services for the benefit of any third party or any other person other than the applicable Recipient or its Affiliates, and
(ii) the Provider makes no warranties, express or implied, with respect to the Services, except as provided in Section 2.5. 

Section 2.4 Limitation on Provision of Services 

(a) Except as expressly contemplated in the Schedule, neither the Provider nor any of its Affiliates will be obligated to perform or to cause
to be performed any Service in a volume or quantity that exceeds a maximum amount that is mutually agreed by the Provider and the Recipient based on the needs of Recipient’s business; provided, however, that if the Recipient wishes to
increase the volume or quantity of such Services provided under this Agreement so as to exceed such maximum amount, the Recipient will make a request to the appropriate Provider in writing in accordance with Section 5.13 at least fifteen
(15) days prior to the next Review Meeting setting out in as much detail as reasonably possible the change requested and the reason for requesting the change, which request will be considered at the next Review Meeting. The Provider may, in its
sole discretion, choose to accommodate or not to accommodate any such request in part or in full. 
 (b) In case performance of any terms or
provisions hereof will be delayed or prevented, in whole or in part, because of, or related to, compliance with any Law, decree, request or order of any Governmental Authority, either local, state, federal or foreign, or because of riots, war,
public disturbance, strike, labor dispute, fire explosion, storm, flood, acts of God, major breakdown or failure of transportation, manufacturing, distribution or storage facilities, or for any other reason which is not within the control of the
party whose performance is interfered with and which by the exercise of reasonable diligence such party is unable to prevent (each, a “Force Majeure Event”), then upon prompt notice by the party so suffering to the other party, the
party suffering will be excused from its obligations hereunder during the period such Force Majeure Event continues, and no liability will attach against either party on account thereof. No party will be excused from performance if such party fails
to use reasonable diligence to remedy the situation and remove the cause and effect of the Force Majeure Event. 
 (c) If the Provider is
unable to provide a Service hereunder because it does not have the necessary assets because such asset was transferred from the Provider to the Recipient, the parties will determine a mutually acceptable arrangement to provide the necessary access
to such asset and until such time as access is provided, the Provider’s failure to provide such Service will not be a breach of this Agreement. 

(d) Notwithstanding anything to the contrary contained herein, this Agreement will not constitute an agreement for the Provider to provide
Services to the Recipient to the extent that the provision of any such Services would not be in compliance with applicable Laws. 

  
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 Section 2.5 Standard of Performance; Standard of Care 

(a) The Provider will use its commercially reasonable efforts to provide and cause its Affiliates to provide the Services in a manner which is
substantially similar in nature, quality and timeliness to the services provided by the applicable Provider to the applicable Recipient immediately prior to the date hereof; provided, however, that nothing in this Agreement will require the
Provider to prioritize or otherwise favor the Recipient over any third parties or any of the Provider’s or the Provider’s Affiliates’ business operations. The Recipient acknowledges that the Provider’s obligation to provide the
Services is contingent upon the Recipient (A) providing in a timely manner all information, documentation, materials, resources and access requested by the Provider and (B) making timely decisions, approvals and acceptances and taking in a
timely manner such other actions requested by the Provider, in each case that the Provider (in its reasonable business judgment) believes is necessary or desirable to enable the Provider to provide the Services; provided, however, that the
Provider requests such approvals, information, materials or services with reasonable prior notice to the extent practicable. Notwithstanding anything to the contrary herein, the Provider shall not be responsible for any failure to provide any
Service in the event that the Recipient has not fully complied with the immediately preceding sentence. The parties acknowledge and agree that nothing contained in the Schedule will be deemed to (A) increase or decrease the standard of care
imposed on the Provider, (B) expand the scope of the Services to be provided as set forth in Article 2, except to the extent that the Schedule references a Service that was not provided immediately prior to the date hereof, or (C) limit
Sections 5.1 and 5.2. 
 (b) In providing the Services, except to the extent necessary to maintain the level of Service provided on the date
hereof (or with respect to any Additional Service, the agreed-upon level), the Provider will not be obligated to: (A) hire any additional employees or (B) purchase, lease or license any additional equipment, software or other assets; and
in no event will the Provider be obligated to (x) maintain the employment of any specific employee or (y) pay any costs related to the transfer or conversion of the Recipient’s data to the Provider or any alternate supplier of
Services. Further, the Provider will have the right to designate which personnel it will assign to perform the Services, and it will have the right to remove and replace any such personnel at any time or designate any of its Affiliates or a third
party provider at any time to perform the Services. At the Recipient’s request, the Provider will consult in good faith with the Recipient regarding the specific personnel to provide any particular Services; provided, however, that the
Provider’s decision will control and be final and binding. 
 (c) The Provider’s sole responsibility to the Recipient for errors or
omissions committed by the Provider in performing the Services will be to correct such errors or omissions in the Services at no additional cost to the Recipient; provided, however, that the Recipient must promptly advise the Provider of any
such error or omission of which it becomes aware after having used commercially reasonable efforts to detect any such errors or omissions. 

  
 6 

 (d) The parties and their respective Affiliates will use good faith efforts to cooperate with
each other in connection with the performance of the Services hereunder, including producing on a timely basis all information that is reasonably requested with respect to the performance of Services; provided, however, that such cooperation
not unreasonably disrupt the normal operations of the parties and their respective Affiliates; provided further, that the party requesting cooperation will pay all reasonable out-of-pocket costs and expenses incurred by the party furnishing
cooperation, unless otherwise expressly provided in this Agreement or the Master Transaction Agreement. Such cooperation will include exchanging information, providing electronic access to systems used in connection with the Services and obtaining
or granting all consents, licenses, sublicenses or approvals necessary to permit each party to perform its obligations hereunder. Notwithstanding anything in this Agreement to the contrary, the Recipient will be solely responsible for paying for the
costs of obtaining such consents, licenses, sublicenses or approvals, including reasonable legal fees and expenses. Either party providing electronic access to systems used in connection with Services may limit the scope of access to the applicable
requirements of the relevant matter through any reasonable means available, and any such access will be subject to the terms of Section 5.8. The exchange of information or records (in any format, electronic or otherwise) related to the
provision of Services under this Agreement will be made to the extent that (A) such records/information exist and are created in the ordinary course, (B) do not involve the incurrence of any material expense, and (C) are reasonably
necessary for any such party to comply with its obligations hereunder or under applicable Law. Subject to the foregoing terms, the parties will cooperate with each other in making information available as needed in the event of a Tax audit or in
connection with statutory or governmental compliance issues, whether in the PRC or any other country; provided, however, that the provision of such information will be without representation or warranty as to the accuracy or completeness of
such information. For the avoidance of doubt, and without limiting any privilege or protection that now or hereafter may be shared by the Provider and the Recipient, neither party will be required to provide any document if the party who would
provide such document reasonably believes that so doing would waive any privilege or protection (e.g., attorney-client privilege) applicable to such document. 

(e) If the Provider reasonably believes it is unable to provide any Service because of a failure to obtain necessary consents (e.g.,
third-party approvals or instructions or approvals from the Recipient required in the ordinary course of providing a Service), licenses, sublicenses or approvals contemplated by Section 2.5(d), such failure shall not constitute a breach hereof
by the Provider and the parties will cooperate to determine the best alternative approach; provided, however, that in no event will the Provider be required to provide such Service until an alternative approach reasonably satisfactory to the
Provider is found or the consents, licenses, sublicenses or approvals have been obtained. 
 Section 2.6 Changes in Services.
The parties agree and acknowledge that any Provider may make changes from time to time in the manner of performing the applicable Services if such Provider is making similar changes in performing similar services for itself, its Affiliates or other
third parties, if any, and if such Provider furnishes to the Recipient substantially the same notice (in content and timing) as such Provider provides to its Affiliates or other third parties, if any, respecting such changes. In addition, and
without limiting the immediately preceding sentence in any way, and notwithstanding any provision of this Agreement to the contrary, such Provider may make any of the following changes without obtaining the prior consent of the Recipient:
(i) changes to the process of performing a particular Service that do not adversely affect the benefits to the Recipient of such Provider’s provision or quality of such Service in any material respect or materially increase the charge for
such Service; (ii) emergency changes on a temporary and short-term basis; and (iii) changes to a particular Service in order to comply with applicable Law or regulatory requirements. 

  
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 Section 2.7 Services Performed by Third Parties. Nothing in this Agreement will
prevent the Provider from using its Affiliates or third parties to perform all or any part of a Service hereunder. The Provider will remain fully responsible for the performance of its obligations under this Agreement in accordance with its terms,
including any obligations it performs through its Affiliates or third parties, and the Provider will be solely responsible for payments due any such Affiliates or third parties. 

Section 2.8 Responsibility for Provider Personnel. All personnel employed, engaged or otherwise furnished by the
Provider in connection with its rendering of the Services will be the Provider’s employees, agents or subcontractors, as the case may be (collectively, “Provider Personnel”). The Provider will have the sole and exclusive
responsibility for Provider Personnel, will supervise Provider Personnel and will cause Provider Personnel to cooperate with the Recipient in performing the Services in accordance with the terms and conditions of Section 2.5. The Provider will
pay and be responsible for the payment of any and all premiums, contributions and taxes for workers’ compensation insurance, unemployment compensation, disability insurance, and all similar provisions now or hereafter imposed by any
Governmental Authority with respect to, or measured by, wages, salaries or other compensation paid, or to be paid, by the Provider to Provider Personnel.  

Section 2.9 Services Rendered as a Work-For-Hire; Return of Equipment; Internal Use; No Sale, Transfer, Assignment;
Copies. All materials, software, tools, data, inventions, works of authorship, documentation, and other innovations of any kind, including any improvements or modifications to the Provider’s proprietary computer software programs and
related materials, that the Provider, or personnel working for or through the Provider, may make, conceive, develop or reduce to practice, alone or jointly with others, in the course of performing Services or as a result of such Services, whether or
not eligible for patent, copyright, trademark, trade secret or other legal protection (collectively the “Work Product”), as between the Provider and the Recipient, will be solely owned by the Provider. Upon the termination of any of
the Services, (i) the Recipient will return to the Provider, as soon as practicable, any equipment or other property of the Provider relating to such terminated Services which is owned or leased by the Provider and is, or was, in the
Recipient’s possession or control; and (ii) the Provider will transfer to the Recipient, as soon as practicable, any and all supporting, back-up or organizational data or information of the Recipient used in supplying the Service to the
Recipient. In addition, the parties will use good-faith efforts at the termination of this Agreement or any specific Service provided hereunder, to ensure that all user identifications and passwords related thereto, if any, are canceled, and that
any other data (as well as any and all back-up of that data) pertaining solely to the other party and related to such Service will be returned to such other party and deleted or removed from the applicable computer systems. All systems, procedures
and related materials provided to the Recipient are for the Recipient’s internal use only and only as related to the Services or any of the underlying Systems used to provide the Services, and unless the Provider gives its prior written consent
in each and every instance (in its sole discretion), the Recipient may not sell, transfer, assign or otherwise use the Services provided hereunder, in whole or in part, for the benefit of any person other than an Affiliate of the Recipient. The
Recipient will not copy, modify, reverse engineer, decompile or in any way alter Systems without the Provider’s express written consent (in its sole discretion).  

  
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 Section 2.10 Cooperation. Each party will designate in writing to the
other party one (1) representative to act as a contact person with respect to all issues relating to the provision of the Services pursuant to this Agreement. Such representatives will hold review meetings by telephone or in person, as mutually
agreed upon, approximately once every quarter to discuss issues relating to the provision of the Services under this Agreement (“Review Meetings”). In the Review Meetings such representatives will be responsible for
(A) discussing any problems identified relating to the provision of Services and, to the extent changes are agreed upon, implementing such changes and (B) providing notice that any Service has since the prior Review Meeting for the first
time exceeded, or is anticipated to exceed, the usual and customary volume for such Service as described in the Schedule.  

ARTICLE 3 
 PRICES
AND PAYMENT. 
 Section 3.1 Prices for Services. Services provided to any Recipient pursuant to the terms
of this Agreement will be charged at the prices set forth for such Service on the Schedule. At a time during the Service Period to be separately agreed by the Provider and the Recipient, the Provider will review the charges, costs and expenses
actually incurred by the Provider in providing any Service (collectively, “Actual Cost”) during the period preceding such review up to the last review, if any. In the event the Provider determines that the Actual Cost for any
service materially differs from the aggregate costs charged to Recipient for that Service for that period, the Provider will deliver to Recipient documentation for such Actual Cost and the parties will renegotiate in good faith to adjust the
appropriate costs charged to the Recipient prospectively.  
 Section 3.2 Procedure. Amounts payable pursuant to the
terms of this Agreement will be paid by the Recipient to the Provider on a quarterly basis. 
 Section 3.3 Late Payments.
Charges not paid within thirty (30) days after the date when payable will bear interest at the rate of 0.75% per month for the period commencing on the due date and ending on the date that is thirty (30) days after such due date, and
thereafter at the rate of 1.5% per month until the date payment is received in full by the Provider. 
 ARTICLE 4 

TERM AND TERMINATION. 

Section 4.1 Termination Dates. Unless otherwise terminated pursuant to this Article 4, this Agreement will terminate with respect
to any Service at the close of business on the last day of the Service Period for such Service, unless the parties have agreed in writing to an extension of the Service Period. 

Section 4.2 Early Termination by the Recipient. As provided in the Schedule (regarding the required number of days
for written notice), the Recipient may terminate this Agreement with respect to either all or any one or more of the Services, at any time and from time to time (except in the event such termination will constitute a breach by Provider of a third
party agreement related to providing such Services), by giving the required written notice to the Provider of such termination (each, a “Termination Notice”). Unless provided otherwise in the Schedule, all Services of the same type
must be terminated simultaneously. As soon as reasonably practicable after its receipt of a Termination Notice, the Provider will advise the Recipient as to whether early termination of such Services will require the termination or partial
termination, or otherwise affect the provision of, certain other Services. If this will be the case, the Recipient may withdraw its Termination Notice within ten (10) days. If the Recipient does not withdraw the Termination Notice within such
period, such termination will be final and the Recipient will be deemed to have agreed to the termination, partial termination or affected provision of such other Services and to pay the fees provided in Section 4.4.  

  
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 Section 4.3 Termination by the Provider. Upon the Control Ending Date, the Provider
may terminate this Agreement with respect to either all or any one or more of the Services, at any time and from time to time, by giving the required written notice to the Recipient of such termination as provided in the Schedule (regarding the
required number of days of written notice). Additionally, the Provider may terminate this Agreement by giving written notice of such termination to the Recipient, if the Recipient breaches any material provision of this Agreement (including a
failure to timely pay an invoiced amount); provided, however, that the Recipient will have thirty (30) days after receiving such written notice to cure any breach which is curable before the termination becomes effective. 

Section 4.4 Effect of Termination of Services. In the event of any termination with respect to one or more, but less than all, of
the Services, this Agreement will continue in full force and effect with respect to any Services not so terminated. Upon the termination of any or all of the Services, the Provider will cease, or cause its applicable Affiliates or third-party
providers to cease, providing the terminated Services. Upon each such termination, the Recipient will promptly (i) pay to the Provider all fees accrued through the effective date of the Termination Notice, and (ii) reimburse the Provider
for the termination costs actually incurred by the Provider resulting from the Recipient’s early termination of such Services, if any, including those costs owed to third-party providers, but excluding costs related to the termination of any
particular Provider employees in connection with such termination of Services (including wrongful termination claims) unless the Recipient was notified in writing that such particular employees were being engaged in order for the Provider to provide
such Services. 
 Section 4.5 Data Transmission. In connection with the termination of a particular Service, on or prior to the
last day of each relevant Service Period, the Provider will cooperate fully and will cause its Affiliates to cooperate fully to support any transfer of data concerning the relevant Services to the applicable Recipient. If requested by the Recipient
in connection with the prior sentence, the Provider will deliver and will cause its Affiliates to deliver to the applicable Recipient, within such time periods as the parties may reasonably agree, all records, data, files and other information
received or computed for the benefit of such Recipient during the Service Period, in electronic and/or hard copy form; provided, however, that (i) the Provider will not have any obligation to provide or cause to provide data in any non-standard
format and (ii) if the Provider, in its sole discretion, upon request of the Recipient, chooses to provide data in any non-standard format, the Provider and its Affiliates will be reimbursed for their reasonable out-of-pocket costs for
providing data electronically in any format other than its standard format, unless expressly provided otherwise in the Schedule. 

  
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 ARTICLE 5 

MISCELLANEOUS. 

Section 5.1 Disclaimer of Warranties. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, THE PROVIDER MAKES NO AND
DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT, WITH RESPECT TO THE SERVICES, TO THE EXTENT PERMITTED BY APPLICABLE LAW. THE PROVIDER MAKES NO
REPRESENTATIONS OR WARRANTIES AS TO THE QUALITY, SUITABILITY OR ADEQUACY OF THE SERVICES FOR ANY PURPOSE OR USE. 
 Section 5.2
Limitation of Liability; Indemnification 
 (a) Each party acknowledges and agrees that the obligations of the other party hereunder
are exclusively the obligations of such other party and are not guaranteed directly or indirectly by such other party’s shareholders, members, managers, officers, directors, agents or any other person. Except as otherwise specifically set forth
in the Master Transaction Agreement, and subject to the terms of this Agreement, each party will look only to the other party and not to any manager, director, officer, employee or agent for satisfaction of any claims, demands or causes of action
for damages, injuries or losses sustained by any party as a result of the other party’s action or inaction. 
 (b) Notwithstanding
(A) the Provider’s agreement to perform the Services in accordance with the provisions hereof, or (B) any term or provision of the Schedule to the contrary, the Recipient acknowledges that performance by the Provider of the Services
pursuant to this Agreement will not subject the Provider, any of its Affiliates or their respective members, shareholders, managers, directors, officers, employees or agents to any liability whatsoever, except as directly caused by the gross
negligence or willful misconduct on the part of the Provider or any of its members, shareholders, managers, directors, officers, employees and agents; provided, however, that the Provider’s liability as a result of such gross negligence
or willful misconduct will be limited to an amount not to exceed the lesser of (i) the price paid for the particular Service, (ii) the Recipient’s or its Affiliate’s cost of performing the Service itself during the remainder of
the applicable Service Period or (iii) the Recipient’s cost of obtaining the Service from a third party during the remainder of the applicable Service Period; provided further that the Recipient and its Affiliates will exercise their
commercially reasonable efforts to minimize the cost of any such alternatives to the Services by selecting the most cost effective alternatives which provide the functional equivalent of the Services replaced. 

(c) NOTWITHSTANDING ANY OTHER PROVISION OF THIS AGREEMENT TO THE CONTRARY, IN NO EVENT WILL EITHER PARTY OR ITS RESPECTIVE AFFILIATES BE LIABLE
FOR ANY SPECIAL, INCIDENTAL, INDIRECT, COLLATERAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OR LOST PROFITS SUFFERED BY THE OTHER PARTY OR ITS AFFILIATES, HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY, IN CONNECTION WITH ANY DAMAGES ARISING HEREUNDER;
PROVIDED, HOWEVER, THAT TO THE EXTENT EITHER PARTY OR ITS RESPECTIVE AFFILIATES IS REQUIRED TO PAY (A) ANY AMOUNT ARISING OUT OF THE INDEMNITY SET FORTH IN SECTION 5.2(b) AND (B) ANY SPECIAL, INCIDENTAL, INDIRECT, COLLATERAL,
CONSEQUENTIAL OR PUNITIVE DAMAGES OR LOST PROFITS TO A THIRD PARTY WHO IS NOT AN AFFILIATE OF EITHER PARTY, IN EACH CASE IN CONNECTION WITH A THIRD-PARTY CLAIM, SUCH DAMAGES WILL CONSTITUTE DIRECT DAMAGES OF THE INDEMNIFIED PARTY AND WILL NOT BE
SUBJECT TO THE LIMITATION SET FORTH IN THIS SECTION 5.2(c). 

  
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 (d) The Recipient agrees to indemnify and hold harmless the Provider, the Provider or its
Affiliates and their respective members, shareholders, managers, directors, officers, employees and agents with respect to any claims or liabilities (including reasonable attorneys’ fees) (“Claims”), which may be asserted or
imposed against the Provider or such persons by a third party who is not an affiliate of either party, as a result of (A) the provision of the Services pursuant to this Agreement, or (B) the material breach by the Recipient of a
third-party agreement that causes or constitutes a material breach of such agreement by the Provider, except (with respect to both of the foregoing) for any claims which are directly caused by the gross negligence or willful misconduct of the
Provider or such persons. Each party as indemnitee (“Indemnitee”) will give the other party as indemnitor (“Indemnitor”) prompt written notice of any Claims. If Indemnitor does not notify Indemnitee within a
reasonable period after Indemnitor’s receipt of notice of any Claim that Indemnitor is assuming the defense of Indemnitee, then until such defense is assumed by Indemnitor, Indemnitee shall have the right to defend, contest, settle or
compromise such Claim in the exercise of its reasonable judgment and all costs and expenses of such defense, contest, settlement or compromise (including reasonable outside attorneys’ fees and expenses) will be reimbursed to Indemnitee by
Indemnitor. Upon assumption of the defense of any such Claim, Indemnitor will, at its own cost and expense, select legal counsel, conduct and control the defense and settlement of any suit or action which is covered by Indemnitor’s indemnity.
Indemnitee shall render all cooperation and assistance reasonably requested by the Indemnitor and Indemnitor will keep Indemnitee fully apprised of the status of any Claim. Notwithstanding the foregoing, Indemnitee may, at its election and sole
expense, be represented in such action by separate counsel and Indemnitee may, at its election and sole expense, assume the defense of any such action, if Indemnitee hereby waives Indemnitor’s indemnity hereunder. Unless Indemnitee waives the
indemnity hereunder, in no event shall Indemnitee, as part of the settlement of any claim or proceeding covered by this indemnity or otherwise, stipulate to, admit or acknowledge any liability or wrongdoing (whether in contract, tort or otherwise)
of any issue which may be covered by this indemnity without the consent of the Indemnitor (such consent not to be unreasonably withheld or delayed). 

Section 5.3 Compliance with Law and Governmental Regulations. The Recipient will be solely responsible for (i) compliance
with all Laws affecting its business and (ii) any use the Recipient may make of the Services to assist it in complying with such Laws. Without limiting any other provisions of this Agreement, the parties agree and acknowledge that neither party
has any responsibility or liability for advising the other party with respect to, or ensuring the other party’s compliance with, any public disclosure, compliance or reporting obligations of such other party (including the Securities Act of
1933, as amended, the Securities Exchange Act of 1934, as amended, the Sarbanes-Oxley Act of 2002 and rules and regulations promulgated under such Acts or any successor provisions), regardless of whether any failure to comply results from
information provided hereunder. 
 Section 5.4 No Partnership or Joint Venture; Independent Contractor. Nothing contained in
this Agreement will constitute or be construed to be or create a partnership or joint venture between the parties or any of their respective Affiliates, successors or assigns. The parties understand and agree that this Agreement does not make either
of them an agent or legal representative of the other for any purpose whatsoever. No party is granted, by this Agreement or otherwise, any right or authority to assume or create any obligation or responsibilities, express or implied, on behalf of or
in the name of any other party, or to bind any other party in any manner whatsoever. The parties expressly acknowledge that the Provider is an independent contractor with respect to the Recipient in all respects, including with respect to the
provision of the Services. 

  
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 Section 5.5 Non-Exclusivity. The Provider and its Affiliates may provide services of
a nature similar to the Services to any other Person. There is no obligation for the Provider to provide the Services to the Recipient on an exclusive basis. 

Section 5.6 Expenses. Except as otherwise provided herein, each party will pay its own expenses incident to the negotiation,
preparation and performance of this Agreement, including the fees, expenses and disbursements of their respective investment bankers, accountants and counsel. 

Section 5.7 Further Assurances. From time to time, each party will use its commercially reasonable efforts to take or cause to be
taken, at the cost and expense of the requesting party, such further actions as may be reasonably necessary to consummate or implement the transactions contemplated hereby or to evidence such matters. 

Section 5.8 Confidentiality. 

(a) Subject to Section 5.8(c), each party, on behalf of itself and its respective Affiliates, agrees to hold, and to cause its respective
directors, officers, employees, agents, accountants, counsel and other advisors and representatives to hold, in strict confidence, with at least the same degree of care that applies to such party’s confidential and proprietary information
pursuant to policies in effect as of the date hereof, all Information concerning the other party and its Affiliates that is either in its possession (including Information in its possession prior to the date hereof) or furnished by the other party,
its Affiliates or their respective directors, officers, managers, employees, agents, accountants, counsel and other advisors and representatives at any time pursuant to this Agreement or otherwise, and will not use any such Information other than
for such purposes as will be expressly permitted hereunder or thereunder, except, in each case, to the extent that such Information has been (i) in the public domain through no fault of such party or its Affiliates or any of their respective
directors, officers, managers, employees, agents, accountants, counsel and other advisors and representatives, (ii) later lawfully acquired from other sources by such party (or its Affiliates) which sources are not themselves bound by a
confidentiality obligation, or (iii) independently generated without reference or prior access to any proprietary or confidential Information of the other party. 

(b) Each party agrees not to release or disclose, or permit to be released or disclosed, any Information of the other party or its Affiliates
to any other Person, except its directors, officers, employees, agents, accountants, counsel and other advisors and representatives who need to know such Information (who will be advised of their obligations hereunder with respect to such
Information), except in compliance with Section 5.8(c); provided, however, that any Information may be disclosed to third parties (who will be advised of their obligation hereunder with respect to such Information) retained by the
Provider as the Provider reasonably deems necessary to perform the Services. 

  
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 (c) In the event that any party or any of its Affiliates either determines on the advice of its
counsel that it is required to disclose any Information pursuant to applicable Law (including pursuant to any rule or regulation of any Governmental Authority) or receives any demand under lawful process or from any Governmental Authority to
disclose or provide Information of any other party (or of the other party’s Affiliates) that is subject to the confidentiality provisions hereof, such party will notify the other party prior to disclosing or providing such Information and will
cooperate at the expense of such other party in seeking any reasonable protective arrangements (including by seeking confidential treatment of such Information) requested or required by such other party. Subject to the foregoing, the person that
received such a request or determined that it is required to disclose Information may thereafter disclose or provide Information to the extent required by such Law (as so advised by counsel) or by lawful process or such Governmental Authority;
provided, however, that such Person provides the other party upon request with a copy of the Information so disclosed. 

Section 5.9 Amendments. This Agreement (including the Schedule) may not be amended except by an instrument in writing executed by
a duly authorized representative of each Party. 
 Section 5.10 Notices. Notices, offers, requests or other communications
required or permitted to be given by a Party pursuant to the terms of this Agreement shall be given in writing to the other Party to the following addresses (or at such other address for a Party as shall be specified in a notice given in accordance
with this Section): 
 if to CreditEase: 

16/F, Tower C, SOHO New Town, 
 88
Jianguo Road, Chaoyang District 
 Beijing, 100022 

The People’s Republic of China 

if to Yirendai: 
 4/F, Building
2A, No. 6 Lang Jia Yuan 
 Chaoyang District, Beijing 

The People’s Republic of China 

or to such other address, facsimile number or email address as the party to whom notice is given may have previously furnished to the other in
writing as provided herein. Any notice involving non-performance or termination shall be sent by hand delivery or recognized courier. All other notices may also be sent by facsimile or email, confirmed by mail. All notices shall be deemed to have
been given when received, if hand delivered; when transmitted, if transmitted by facsimile or email; upon confirmation of delivery, if sent by recognized courier; and upon receipt if mailed. 

If any of such notice or other correspondences is transmitted by facsimile or telex, it shall be treated as delivered immediately upon
transmission; if delivered in person, it shall be treated as delivered at the time of delivery; if posted by mail, it shall be treated as delivered five (5) days after posting. 

Section 5.11 Governing Law. This Agreement shall be governed by, and construed in accordance with, the laws of the State of New
York, U.S.A. 

  
 14 

 Section 5.12 Dispute Resolution. (a) Any dispute, controversy or claim arising
out of or relating to this Agreement or the breach, termination or validity thereof (“Dispute”) which arises between the Parties shall first be negotiated between appropriate senior executives of each party who shall have the
authority to resolve the matter. Such executives shall meet to attempt in good faith to negotiate a resolution of the Dispute prior to pursuing other available remedies, within ten (10) days of receipt by a party of written notice of a Dispute,
which date of receipt shall be referred to herein as the “Dispute Resolution Commencement Date.” Discussions and correspondence relating to trying to resolve such Dispute shall be treated as confidential information and privileged
information of each of party developed for the purpose of settlement and shall be exempt from discovery or production and shall not be admissible in any subsequent proceeding between the Parties. 

(b) If the senior executives are unable to resolve the Dispute within sixty (60) days from the Dispute Resolution Commencement Date, then,
the Dispute will be submitted to the boards of directors of each party. Representatives of each board of directors shall meet as soon as practicable to attempt in good faith to negotiate a resolution of the Dispute. 

(c) If the representatives of the two boards of directors are unable to resolve the Dispute within 120 days from the Dispute Resolution
Commencement Date, on the request of any party, the Dispute will be mediated by a mediator appointed pursuant to the mediation rules of the American Arbitration Association. Both Parties will share the administrative costs of the mediation and the
mediator’s fees and expenses equally, and each party shall bear all of its other costs and expenses related to the mediation, including but not limited to attorney’s fees, witness fees, and travel expenses. The mediation shall take place
in Beijing, China or in whatever alternative forum on which the Parties may agree. 
 (d) If the Parties cannot resolve any Dispute through
mediation within forty five (45) days after the appointment of the mediator (or the earlier withdrawal thereof), each party shall be entitled to submit the Dispute to Hong Kong International Arbitration Centre for arbitration in accordance with
the Hong Kong International Arbitration Centre Administered Arbitration Rules in force at the time when the Dispute is submitted. There shall be three (3) arbitrators. The third and presiding arbitrator shall be qualified to practice law in New
York. The place or seat of arbitration shall be Hong Kong. The award of the arbitral tribunal shall be final and binding upon the Parties thereto, and the prevailing party may apply to a court of competent jurisdiction for enforcement of such award.

 Unless otherwise agreed in writing, the Parties will continue to honor all commitments under this Agreement during the course of dispute
resolution pursuant to the provisions of this Section 5.12 with respect to all matters not subject to such dispute, controversy or claim. 

Section 5.13 Incorporation by Reference. The Schedule to this Agreement is incorporated herein by reference and made a part of
this Agreement as if set forth in full herein. 

  
 15 

 Section 5.14 Entire Agreement. This Agreement and the Schedule attached hereto
constitute the entire agreement between the Parties with respect to the subject matter hereof, and supersede all previous agreements, negotiations, discussions, writings, understandings, commitments and conversations with respect to the subject
matter hereof. 
 Section 5.15 Severability. If any term of this Agreement or the Schedule attached hereto is determined by a
court, administrative agency or arbitrator to be invalid, illegal or incapable of being enforced by any rule of law or public policy, all other conditions and provisions of this Agreement shall nevertheless remain in full force and effect so long as
the economic or legal substance of the transactions contemplated hereby is not affected in any manner materially adverse to any party. Upon such determination that any term or other provision is invalid, illegal or incapable of being enforced, the
Parties hereto shall negotiate in good faith to modify this Agreement so as to effect the original intent of the Parties as closely as possible in an acceptable manner to the end that transactions contemplated hereby are fulfilled to the fullest
extent possible. 
 Section 5.16 Failure or Indulgence not Waiver; Remedies Cumulative. No failure or delay on the part of any
party hereto in the exercise of any right hereunder shall impair such right or be construed to be a waiver of, or acquiescence in, any breach of any representation, warranty or agreement herein, nor shall any single or partial exercise of any such
right preclude other or further exercise thereof or of any other right. All rights and remedies existing under this Agreement or the Schedule attached hereto are cumulative to, and not exclusive of, any rights or remedies otherwise available. 

Section 5.17 Assignment; No Third-Party Beneficiaries. Neither this Agreement nor any of the rights and obligations of the parties
may be assigned by any party without the prior written consent of the other party, except that (i) the Recipient may assign its rights under this Agreement to any Affiliate or Affiliates of the Recipient without the prior written consent of the
Provider, (ii) the Provider may assign any rights and obligations hereunder to (A) any Affiliate or Affiliates of the Provider capable of providing such Services hereunder or (B) third parties to the extent such third parties are
routinely used to provide the Services to Affiliates and businesses of the Provider, in either case without the prior written consent of the Recipient, and (iii) an assignment by operation of Law in connection with a merger or consolidation
will not require the consent of the other party. Notwithstanding the foregoing, each party will remain liable for all of its respective obligations under this Agreement. Subject to the first sentence of this Section 5.17, this Agreement will be
binding upon and inure to the benefit of the parties and their respective successors and assigns and no other person will have any right, obligation or benefit hereunder. Any attempted assignment or transfer in violation of this Section 5.17
will be void. 
 Section 5.18 Inconsistency. Neither the making nor the acceptance of this Agreement will enlarge, restrict or
otherwise modify the terms of the Master Transaction Agreement or constitute a waiver or release by any party of any liabilities, obligations or commitments imposed upon them by the terms of the Master Transaction Agreement, including the
representations, warranties, covenants, agreements and other provisions of the Master Transaction Agreement. In the event of any conflict between the terms of this Agreement (including the Schedule), on the one hand, and the terms of the Master
Transaction Agreement, on the other hand, with respect to the subject matters of this Agreement, the terms of this Agreement will control. In the event of any inconsistency between the terms of this Agreement, on the one hand, and the Schedule, on
the other hand, the terms of this Agreement (other than charges for Services) will control. 

  
 16 

 Section 5.19 Interpretation. The headings contained in this Agreement and in the
table of contents to this Agreement are for reference purposes only and shall not affect in any way the meaning or interpretation of this Agreement. For all purposes of this Agreement: (i) all references in this Agreement to designated
“Sections,” “Schedules” and other subdivisions are to the designated Sections, Schedules and other subdivisions of the body of this Agreement unless otherwise indicated; (ii) the words “herein”, “hereof”
and “hereunder” and other words of similar import refer to this Agreement as a whole and not to any particular Section or other subdivision; (iii) “or” is not exclusive; (iv) “including” and
“includes” will be deemed to be followed by “but not limited to” and “but is not limited to”, respectively; (v) any definition of, or reference to, any law, agreement, instrument or other document herein will be
construed as referring to such law, agreement, instrument or other document as from time to time amended, supplemented or otherwise modified; and (vi) any definition of, or reference to, any statute will be construed as referring also to any
rules and regulations promulgated thereunder. 
 Section 5.20 Counterparts. This Agreement may be executed in one or more
counterparts, each of which shall be deemed to be an original but all of which shall constitute one and the same agreement. Delivery of an executed counterpart of a signature page of this Agreement by facsimile or other electronic imaging means will
be effective as delivery of a manually executed counterpart of this Agreement. 
 [Signature page follows] 

  
 17 

 IN WITNESS WHEREOF, each of the parties has caused this Agreement to be duly executed as of the
date first written above. 
  

			
	 CreditEase Holdings (Cayman) Limited

		
	 By:
	 	 /s/ Ning Tang

	 Name:
	 	Ning Tang
	 Title:
	 	Director
	
	 Yirendai Ltd.

		
	 By:
	 	 /s/ Ning Tang

	 Name:
	 	Ning Tang
	 Title:
	 	Executive Chairman of the Board of Directors

 [Signature Page to Transitional Services Agreement] 

 SCHEDULE 1 

SERVICES 
 Types of Services: 

 

	1.	Operational Management Support Services, including but not limited to management, supervision and instruction of the operation of sales and marketing, product development, customer service and general administration;

  

	2.	Administrative Support Services, including but not limited to secretarial support, event management, conference management, and other day-to-day office support services; 

 

	3.	Legal Support Services, including but not limited to support services in respective of contract management, risk control, compliance and other corporate legal matters; 

 

	4.	Human Resources Support Services, including but not limited to recruitment, employee service center, workforce administration, employee data management, payroll and other employment-related matters; and

  

	5.	Accounting, Internal Control and Internal Audit Support Services. 

 Provider: CreditEase or an Affiliate
of CreditEase 
 Recipient: Yirendai or an Affiliate of Yirendai 

Scope and Annual Volume of Each Type of Services: Based on the Recipient’s reasonable request subject to the terms of this Agreement,
provided that the Provider actually performs such Services for itself or its Affiliates. 
 Price: The actual Direct Costs and Indirect
Costs of providing such Services. “Direct Costs” shall include compensation and travel expenses attributable to employees, temporary workers, and contractors directly engaged in performing the Services, materials and supplies
consumed in and agency fees arising from performing the Services. “Indirect Costs” shall include office occupancy, information technology support and other overhead costs of the department incurring the direct costs of providing the
Service.  
 Required Notice Period for Termination by Recipient Pursuant to Section 4.2 of this Agreement: 90 days 

Required Notice Period for Termination by Provider Pursuant to Section 4.3 of this Agreement: 90 days 

  
 Schedule-1-1

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