Tony Hung | Investor Relations |
Jay Xiao | Founder, Chairman & CEO |
Craig Zeng | CFO |
Ryan Liu | Chief Risk Officer |
Stanley Zhao | Senior Financial Director |
Jacky Zuo | China Renaissance |
Ethan Wang | CLSA |
Sanjay Jain | Aletheia Capital |
Steven Chan | Haitong International |
Ladies and gentlemen, thank you for standing by, and welcome to the LexinFintech Third Quarter 2020 Earnings Conference Call. At this time all participants are in a listen-only mode. I must advise you that this conference is being recorded today. I’d now like to hand the conference over to your first speaker today, Mr. Tony Hung, Senior Director for Capital Markets.