In 2021, it was destined to be an exceptionally unusual year. Within this year, the domestic landscape underwent unpredictable changes. On one hand, tech giants faced the pains of anti-monopoly rectification, while the education and training industry plummeted from its capital heights due to the 'Double Reduction' policy introduced by the country. On the other hand, the lingering impact of the COVID-19 pandemic persisted, affecting the fundamentals of offline service consumption industries both domestically and internationally. Many professionals across various industries were busy with self-rescue efforts, lamenting the challenging circumstances. 

It can be said that, despite the economic recovery and warming up as a result of pandemic control measures, the overall economic downturn is an undeniable fact this year. Meanwhile, the global and domestic political and economic order is undergoing restructuring. Both China and the United States have entered into a long-term strategic competition, and the pandemic may continue to coexist with us in the long term.

The upcoming year 2022 marks a new era for various industries and sectors. As a high-tech company specializing in financial software training services, banking data integration services, development of financial industry applications, and computer information system integration, Xinda Financial carries a more significant mission and responsibility. Therefore, how to find certainty in uncertainty, how to plan ahead, and how to maintain the spirit of staying true to our original aspirations become particularly crucial for us.

Worth mentioning, as pioneers and leaders in the introduction of international banking core business systems, Xinda Financial has shown a strong momentum and achieved a favorable situation in its progress and work this year. The achievements obtained are not easy, and the stories behind them are equally exciting! Faced with the complex and ever-changing market environment and the frequent resurgence of the COVID-19 pandemic, the proactive team at Xinda Financial has closely followed the market's development, upheld the spirit of sailing against the wind, and initiated a new market layout. Significant accomplishments have been achieved in providing financial information services to banks and insurance companies, promoting the construction of smart banking services, and establishing a presence in areas such as smart payments, intelligent counter systems, and financial e-commerce.

With favorable winds at our back, we set sail towards the future. Now, standing under the challenges and opportunities of the new era, we will continue to implement company strategies related to products, categories, and platforms. Leveraging the company's advantages as a high-tech enterprise in specialization and innovation, we believe that, guided by the correct strategic direction and with the sincere cooperation of all colleagues, Xinda Financial will surely achieve its set goals and usher in a brighter and more splendid tomorrow!

Looking ahead, we will see the passion and courage of our peers who actively learn, innovate, and dare to try new things. On the road to creating better products and services for users, we are not alone. We always approach each choice and exploration with a sense of awe, understanding deeply the mission and tasks we shoulder: to bring better products and services to Xinda Financial and to share the dividends and opportunities that the era has given us.

As we stand at the special juncture approaching the new year of 2022, Xinda Financial is like a youthful individual, having received applause for our past achievements, yet well aware of new challenges and honors waiting in the future. Reflecting on the past is to draw nourishment and strength for the journey ahead, and on the path to new directions, Xinda Financial has always been with you!

A poet once said: 'In the east, there is the fiery red of hope; in the south, there is the warm nest. Chasing the retreating sun in the west, awakening the fragrance in the north.' As 2021 comes to a close, let go of regrets and move forward bravely. All experiences are life lessons. As we approach 2022, may all Xinda Financial employees dispel worries, and may everything be successful.

Finally, we are very grateful for the unwavering support of our valued customers and equally thankful to all colleagues, partners, and the families behind each one of you. It is because of your existence and efforts that Xinda Financial has grown steadily and developed to where it is today. Here's wishing the loved ones behind the employees a healthy, joyful life, grateful for the encounters, and enduring the journey through life's storms and sunshine. May life be hopeful, and the future be promising!