|Jimmy Tan||Head of Investor Relations|
|Feng Zhang||Chief Executive Officer|
|Jiayuan Xu||Chief Financial Officer|
|Frank Zheng||Credit Suisse|
Hello, ladies and gentlemen. Thank you for participating in the First Quarter 2022 Earnings Conference Call for FinVolution Group. At this time, all participants are in a listen-only mode. After management's prepared remarks there will be a question-and-answer session. Today's conference call is being recorded.