LexinFintech Holdings Ltd.

Good day and thank you for standing by. Welcome to Lessing FinTech's third quarter 2023 earnings conference call. At this time, all participants are in the listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you will need to press star 1 1 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, today's conference is being recorded. It is now my pleasure to hand you over to the IR Director, Ms. Mandy Dong. Please go ahead, ma'am.

Thank you, Amber. Hello, everyone. Welcome to the third quarter 2023 earnings conference call. Our results were issued earlier today and can be found on our IR website. Joining me today are our CEO, Jay Hsiao, President, Jared Wu, and CFO, James Chung. Before we get started, I'd like to remind you of our Safe Harbor Statement in our earliest press release, which also applies to this call. During the call, we may refer to business outlook and forward-looking statements, which are based on our current plans, estimates, and projections. The actual results may differ materially, and we undertake no obligation to update any forward-looking statement. Last, unless otherwise stated, all figures mentioned are in RMB. 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 will now turn the call over to Jay. His remarks will be in Chinese, and the English translation will follow.

Hello, everyone. It's a pleasure to share with you our performance.