LexinFintech Holdings Ltd.

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our goals and strategies;

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the expected growth of the online and offline consumption market in China;

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our expectations regarding our relationships with users, funding sources, third-party guarantee companies and other business partners;

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competition in our industry;

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general economic and business conditions in China and elsewhere;

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government policies, rules, laws and regulations relating to our industry; and

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the outcome of any current and future legal or administrative proceedings.

We would like to caution you not to place undue reliance on these forward-looking statements and you should read these statements in conjunction with the risk factors disclosed in “Item 3. Key Information—D. Risk Factors.” Those risks are not exhaustive. We operate in a rapidly evolving environment. New risks emerge from time to time and it is impossible for our management to predict all risk factors, nor can we assess the impact of all factors on our business or the extent to which any factor, or combination of factors, may cause actual results to differ from those contained in any forward-looking statement. We do not undertake any obligation to update or revise the forward-looking statements except as required under applicable law. You should read this annual report, including the documents incorporated by reference herein, completely, and with the understanding that our actual future results may be materially different from what we expect.