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Dennis Cong - SVP of Corporate Business Development
Huan Chen - CRO
Wei Wang - CEO, Yiren Credit
Xiao Shang - CEO, Yiren Wealth
Joanne Liu - CFO
Conference Call Participants
Joe Chu - Morgan Stanley
Alex Ye - UBS
Presentation
Operator
Ladies and gentlemen, thank you for standing by, and welcome to the Yirendai Second Quarter 2019 Earnings Conference Call. At this time, all participants are in a listen-only mode.