LexinFintech Holdings Ltd.

Good day and thank you for standing by. Welcome to ListenFintech first quarter 2023 earnings conference call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be question and answer session. To ask a question during the session, you will need to press star 11 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press star 11 again. Please be advised that today's conference is being recorded. And I'd like to hand the conference over to Ms. Jamie Wang, IR Manager. Please go ahead, ma'am.

Thank you. Hello, everyone. Welcome to Los Angeles First Quarter's 2023 Earnings Conference Call. With us today on the line today are CEO Jay Hsiao, President Jarrett Wu, and CFO James Jones. Before we get started, I'd like to remind you that the call and presentation containing business outlook and forward-looking statements, which are based on assumptions as of today. The actual results might differ materially, and we undertake no obligation to update any forward-looking statements. Jay will first provide an update on our overall performance. James will cover the financial results in more detail. And lastly, Jared will then discuss risk management. I'll now turn the call over to Jay. His remarks will be in Chinese, and the English translation will follow. Stay pleased.

Good morning and evening everyone. It's my pleasure to speak with all of you again.