|Jimmy Tan||Head, Investor Relations|
|Jacky Zuo||China Renaissance|
|Yiran Zhong||Crédit Suisse|
|Liang Henry||Golden Dragon|
Hello ladies and gentlemen. Thank you for participating in the Fourth Quarter and Full Year 2020 Earnings Conference Call for FinVolution Group. At this time, all participants are in listen-only mode. After management's prepared remarks, there will be a question-and-answer session. Today's conference call is being recorded.