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Operator: Good day, and thank you for standing by. Welcome to LexinFintech First Quarter 2024 Earnings Conference Call.

Zhanwen qiaoUnited statesArvin qiaoFrank zhengYada liJames zhengZoe zouMandy dongJay xiaoXigui zhengChinese national fencingLexinfintech holdings ltdLexinfintech holdingsCall transcript mayFintech holdingsLexinfintech first quarter