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Operator: Ladies and gentlemen, hello and thank you for participating in the First Quarter 2024 Earnings Conference Call for FinVolution Group. At this time, all participants are in listen-only mode.

The philippinesThomas chongTiezheng liYada liHannah hanJiayuan xuFinvolution group incFinvolution groupFinvolution group investor relationsEarnings conference call for finvolution groupUnion bankExchange commissionCall transcript mayFirst quarterConference callJimmy tan