 Now, Ill turn the call over to Julia Qian, Managing Director of The Blueshirt Group Asia. Thank you all for joining us on todays conference call to discuss Jiayin Groups financial results for the first quarter of 2020. On the call with me today are Mr. Yan Dinggui, Chief Executive Officer; Mr. Chunlin Fan, Chief Financial Officer and Ms. Xu Yifang, Chief Risk Officer. 