 LexinFintech Holdings Ltd. NASDAQ:LX Q3 2022 Earnings Conference Call November 16, 2022 8:30 PM ET Company Participants Echo Yan - Investor Relations Director Jay Xiao - Chairman and Chief Executive Officer Sunny Sun - Chief Financial Officer Jared Wu - President Conference Call Participants Hans Fan - CLSA Frank Zheng - Credit Suisse Alex Ye - UBS Operator Good day, and thank you for standing by. 