X Financial (NYSE:XYF) Q3 2019 Earnings Conference Call November 21, 2019 8:00 AM ET Company Participants Jennifer Zhang - IR Simon Cheng - President & Director Kevin Zhang - CFO Justin Tang - Founder, CEO & Chairman Conference Call Participants John Cai - Morgan Stanley Operator Hello, and welcome to the X Financial Third Quarter 2019 Earnings Conference Call. [Operator Instructions]. Please note, this event is being recorded. . I would now like to turn the conference over to Jennifer Zhang, Investor Relat ...