Yiren Digital Ltd. (NYSE:YRD) Q4 2019 Results Conference Call March 25, 2020 8:00 PM ET Company Participants Lydia Yu - Investor Relations Ning Tang - Founder, Chairman and CEO of CreditEase and CEO of Yiren Digital Zhong Bi - CFO of Yiren Digital Michael Ji - CRO of Yiren Digital Dennis Cong - Senior VP of the Capital Markets Conference Call Participants John Cai - Morgan Stanley Alex Ye - UBS Investment Bank Daphne Poon - Citigroup Inc Operator Ladies and gentlemen, thank you for standing by, and welcome ...