UP Fintech Holding Limited

Ladies and gentlemen, thank you for standing by. Welcome to UpFintech Holding Limited fourth quarter and full year 2025 earnings conference call. At this time, all participants are in a listen-only mode. There will be a presentation followed by question and answer session. I must advise you that this conference is being recorded today, March 19, 2026. I would now like to hand the conference over to your first speaker today, Mr. Aaron Lee, the Head of Investor Relations. Thank you. Please go ahead.

Thank you, operator. Hello, everyone, and thank you for joining us for the call today. Our Pintech Holding Limited fourth quarter and full year 2025 earnings release was distributed earlier today and is available on our IR website at ir.itigerup.com, as well as Globe News Web Services. On the call today from our FinTech are Mr. Wu Tianhua, Chairman and CEO, Mr. Zheng Zeng, our CFO, Mr. Huang Lei, CEO of US Tiger Securities, and Mr. our Financial Controller. Mr. Wu will give an overview of our business operations and discuss corporate highlights. Mr. Zeng will then discuss our financial results. They will both be available to answer your questions during the Q&A session that follows the remarks. Now let me cover the safe harbor. The statement we are about to make contains a forward-looking statement. Within the meaning of the U.S. Private Securities and Education Reform Act of 1995, a number of factors could cause actual results to differ materially from those contained in any forward-looking statement. For more information, please refer to our Form 6-K furnished today and our annual report of Form 20-F filed on April 23, 2025. We undertake no obligation to update any forward-looking statement. except as required under applicable law. It is my pleasure to now introduce our Chairman and CEO, Mr. Wu. Mr. Wu will make remarks in Chinese, which will be followed by an English translation. Mr. Wu, please go ahead with your remarks.

Hello, everyone. I would like to thank all of you for attending Daohu International's fourth quarter and annual press conference in 2025.