X Financial (NYSE:XYF) Q3 2020 Earnings Conference Call December 2, 2020 7:00 AM ET Company Participants Tanya Wen – Investor Relations Simon Cheng – President Frank Fuya Zheng – Chief Financial Officer Conference Call Participants Operator Good day and welcome to the X Financial Third Quarter 2020 Earnings Conference Call. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Tanya Wen. Please go ahead. Tanya Wen Thank you, operator. Hello, every ...