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Operator: Thank you for standing by, and welcome to the Qifu Technology First Quarter 2024 Earnings Conference Call. At this time, all participants are in a listen-only mode.

Zheng yanUnited statesJemma xuWu haishengChiyao huangAlex xuKaren jiYada liMorgan stanleyCentral bankQifu technology first quarterQifu technologyQifu ai coDigitech incCall transcript maySenior director