Operator Ladies and gentlemen, thank you for standing by, and welcome to the 360 DigiTech Fourth Quarter 2020 Earnings Conference Call. [Operator Instructions]. At this time, I'd like to turn the conference call over to Ms. Mandy Dong, IR Director. Please go ahead, Mandy. Mandy Dong -- Investor Relations Director Thank you. Hello, everyone, and welcome to our fourth quarter and full-year 2020 earnings conference call. Our results were issued earlier today and it can be found on our IR website. Joining me today are Mr. Wu Haisheng, our CEO and Director; Mr. Alex Xu, our CFO and Director; and Mr. Zheng Yan, our CRO.