Yiren Digital Ltd.

Thank you for standing by, and welcome to the Year in Digital fourth quarter and fiscal year 2023 earnings conference call. All participants are in a listen-only mode. There will be a presentation followed by a question and answer session. If you wish to ask a question, you will need to press the star key followed by the number one on your telephone keypad. I would now like to hand the conference over to Ms. Keauha, IR officer. Please go ahead.

Thank you, Rita. Good morning and good evening, everyone. Today's call features the presentation by the founder, chairman, and CEO of Credit East, our CEO, Mr. Ming Tang. Our SVP, Ms. Mei Zhao, will join us in the Q&A session after the prepared remarks. Before beginning, we would like to remind you that discussions during this call contain forward-looking statements made under the safe harbor provision of U.S. private securities litigation reform act of 1995. Such statements are subject to risk uncertainties, and factors that can cause actual results to differ materially from those contained in any such statement. Further information regarding future risks, uncertainties, or factors is included in our filing with the U.S. Securities and Exchange Commission. We do not undertake any obligation to update any forward-looking statements as required under the relevant laws. During the call, we will be referring to certain non-GAAP financial measures and supplemental measures to review and assess our operating performance. These non-GAAP financial measures are not intended to be considered in isolation or as a substitute for the financial information prepared as presented in accordance with the U.S. GAAP. For information about these non-GAAP measures and representation to GAAP measures, please refer to our earnings strategy.

I will now pass it to Lin for opening remarks.