Ladies and gentlemen, thank you for standing by, and welcome to Yiren Digital third-quarter 2020 earnings conference call. Thank you, and welcome to Yiren Digital's third-quarter 2020 earnings conference call. Today's call features the presentation by the founder, chairman, and CEO of CreditEase and CEO of Yiren Digital, Mr. Ning Tang; CFO of Yiren Digital, Ms. Na Mei; and CRO of Yiren Digital, Mr.
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