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Operator Ladies and gentlemen, thank you for standing by, and welcome to the LexinFintech first-quarter 2021 earnings conference call. [Operator instructions] I must advise you that this conference is being recorded today. I d now like to hand the conference over to your first speaker today Mr. Tony Hung, senior director of capital markets. Thank you and please go ahead, sir. Tony Hung Investor Relations Contact Thank you, operator. Hello, everyone, and welcome to Lexin s first-quarter 2021 earnings conference call. The company s results were issued earlier today and are posted online. Joining me today on the call are Mr. Jay Xiao, our founder, chairman, and chief executive officer; Mr. Craig Zeng, our chief financial officer; Mr. Yang Zhao, our vice president; Ms. Beryl Haiyan, our senior financial director; and other members of our team. ....