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2025-01-08   

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Manchester City's Champions League match on Tuesday night was marred by crowd trouble, with Feyenoord fans causing chaos at the Etihad Stadium. The Dutch supporters, escorted by police from the city centre to the stadium, filled all three tiers of the South Stand. After City scored three goals, Feyenoord managed to net one with about 15 minutes left, leading to riot police stepping in to prevent clashes between home and away fans. Following the goal, Feyenoord fans charged towards City supporters in the East Stand corner, with objects being hurled across the divide. Riot police soon bolstered the stewards' lines separating the two fan sections. Feyenoord's second goal led to more tense moments before they equalised late in the game. Despite this, it was an astonishing end to a match that City seemed to have under control midway through the second half, thanks to Erling Haaland 's penalty and subsequent goals from Ilkay Gundogan and Haaland again. However, the Dutch team took advantage of a lacklustre City performance and individual mistakes to stage an impressive comeback. Jack Grealish came close to securing a late victory for City with a deflected shot that hit the bar, but the match ultimately ended in a draw. man-utd The remarkable collapse by City at the home ground baffled Amazon Prime pundits Gael Clichy and Stuart Pearce, who were shocked to see their run of matches without a win extend to six. "I am lost for words," Clichy said. "Going forward you need to be given freedom but for defenders there are rules you must follow. "When you are defending and there is no pressure on the ball you can't have your line flat. From a very comfortable game, 3-0 up, everyone thinking about Liverpool on Sunday, and now at 3-3, that will feel like a defeat." Pearce added: "I have been in this stadium many times over the last few years and I have been wowed by what I've seen. I have been wowed by that. "City will be taking this like a defeat." MORE TO FOLLOW We'll be bringing you the very latest updates, pictures and video on this breaking news story. For the latest news and breaking news visit: express.co.uk/sport/football . Stay up to date with all the big headlines, pictures, analysis, opinion and video on the stories that matter to you. Follow us on Twitter @dexpress_sport - the official Daily Express & Express.co.uk Twitter account - providing real news in real time. We're also on Facebook @dailyexpresssport - offering your must-see news, features, videos and pictures throughout the day to like, comment and share from the Daily Express, Sunday Express and Express.co.uk .No. 22 St. John's, Georgia pack busy schedule with game on Sunday

Jury are deliberating in the long-running YSL gang and racketeering trial

WASHINGTON — President-elect Donald Trump said Saturday that he will nominate former White House aide Brooke Rollins to be his agriculture secretary, the last of his picks to lead executive agencies and another choice from within his established circle of advisers and allies. The nomination must be confirmed by the Senate, which will be controlled by Republicans when Trump takes office Jan. 20. Rollins would succeed Tom Vilsack , President Joe Biden’s agriculture secretary who oversees the sprawling agency that controls policies, regulations and aid programs related to farming, forestry, ranching, food quality and nutrition. Then-President Donald Trump looks to Brooke Rollins, president and CEO of the Texas Public Policy Foundation, as she speaks during a Jan. 11, 2018, prison reform roundtable in the Roosevelt Room of the White House in Washington. Rollins, who graduated from Texas A&M University with a degree in agricultural development, is a longtime Trump associate who served as White House domestic policy chief during his first presidency. The 52-year-old is president and CEO of the America First Policy Institute, a group helping to lay the groundwork for a second Trump administration. Rollins previously served as an aide to former Texas Gov. Rick Perry and ran a think tank, the Texas Public Policy Foundation. The pick completes Trump’s selection of the heads of executive branch departments, just two and a half weeks after the former president won the White House once again. Several other picks that are traditionally Cabinet-level remain, including U.S. Trade Representative and head of the small business administration. Rollins, speaking on the Christian talk show “Family Talk" earlier this year, said Trump was an “amazing boss” and confessed that she thought in 2015, during his first presidential campaign, that he would not last as a candidate in a crowded Republican primary field. “I was the person that said, ‘Oh, Donald Trump is not going to go more than two or three weeks in the Republican primary. This is to up his TV show ratings. And then we’ll get back to normal,’” she said. “Fast forward a couple of years, and I am running his domestic policy agenda.” Trump didn’t offer many specifics about his agriculture policies during the campaign, but farmers could be affected if he carries out his pledge to impose widespread tariffs. During the first Trump administration, countries like China responded to Trump’s tariffs by imposing retaliatory tariffs on U.S. exports like the corn and soybeans routinely sold overseas. Trump countered by offering massive multibillion-dollar aid to farmers to help them weather the trade war. Brooke Rollins speaks at an Oct. 27 campaign rally for then-Republican presidential nominee former President Donald Trump at Madison Square Garden in New York. President Abraham Lincoln founded the USDA in 1862, when about half of all Americans lived on farms. The USDA oversees multiple support programs for farmers; animal and plant health; and the safety of meat, poultry and eggs that anchor the nation’s food supply. Its federal nutrition programs provide food to low-income people, pregnant women and young children. And the agency sets standards for school meals. Robert F. Kennedy Jr., Trump’s nominee to lead the Department of Health and Human Services, has vowed to strip ultraprocessed foods from school lunches and to stop allowing Supplemental Nutrition Assistance Program beneficiaries from using food stamps to buy soda, candy or other so-called junk foods. But it would be the USDA, not HHS, that would be responsible for enacting those changes. In addition, HHS and USDA will work together to finalize the 2025-2030 edition of the Dietary Guidelines for Americans. They are due late next year, with guidance for healthy diets and standards for federal nutrition programs. Gomez Licon reported from Fort Lauderdale, Florida. Associated Press writers Josh Funk and JoNel Aleccia contributed to this report. Among President-elect Donald Trump's picks are Susie Wiles for chief of staff, Florida Sen. Marco Rubio for secretary of state, former Democratic House member Tulsi Gabbard for director of national intelligence and Florida Rep. Matt Gaetz for attorney general. Susie Wiles, 67, was a senior adviser to Trump's 2024 presidential campaign and its de facto manager. Trump named Florida Sen. Marco Rubio to be secretary of state, making a former sharp critic his choice to be the new administration's top diplomat. Rubio, 53, is a noted hawk on China, Cuba and Iran, and was a finalist to be Trump's running mate on the Republican ticket last summer. Rubio is the vice chairman of the Senate Intelligence Committee and a member of the Senate Foreign Relations Committee. “He will be a strong Advocate for our Nation, a true friend to our Allies, and a fearless Warrior who will never back down to our adversaries,” Trump said of Rubio in a statement. The announcement punctuates the hard pivot Rubio has made with Trump, whom the senator called a “con man" during his unsuccessful campaign for the 2016 GOP presidential nomination. Their relationship improved dramatically while Trump was in the White House. And as Trump campaigned for the presidency a third time, Rubio cheered his proposals. For instance, Rubio, who more than a decade ago helped craft immigration legislation that included a path to citizenship for people in the U.S. illegally, now supports Trump's plan to use the U.S. military for mass deportations. Pete Hegseth, 44, is a co-host of Fox News Channel’s “Fox & Friends Weekend” and has been a contributor with the network since 2014, where he developed a friendship with Trump, who made regular appearances on the show. Hegseth lacks senior military or national security experience. If confirmed by the Senate, he would inherit the top job during a series of global crises — ranging from Russia’s war in Ukraine and the ongoing attacks in the Middle East by Iranian proxies to the push for a cease-fire between Israel, Hamas and Hezbollah and escalating worries about the growing alliance between Russia and North Korea. Hegseth is also the author of “The War on Warriors: Behind the Betrayal of the Men Who Keep Us Free,” published earlier this year. Trump tapped Pam Bondi, 59, to be attorney general after U.S. Rep. Matt Gaetz withdrew his name from consideration. She was Florida's first female attorney general, serving between 2011 and 2019. She also was on Trump’s legal team during his first impeachment trial in 2020. Considered a loyalist, she served as part of a Trump-allied outside group that helped lay the groundwork for his future administration called the America First Policy Institute. Bondi was among a group of Republicans who showed up to support Trump at his hush money criminal trial in New York that ended in May with a conviction on 34 felony counts. A fierce defender of Trump, she also frequently appears on Fox News and has been a critic of the criminal cases against him. Trump picked South Dakota Gov. Kristi Noem, a well-known conservative who faced sharp criticism for telling a story in her memoir about shooting a rambunctious dog, to lead an agency crucial to the president-elect’s hardline immigration agenda. Noem used her two terms leading a tiny state to vault to a prominent position in Republican politics. South Dakota is usually a political afterthought. But during the COVID-19 pandemic, Noem did not order restrictions that other states had issued and instead declared her state “open for business.” Trump held a fireworks rally at Mount Rushmore in July 2020 in one of the first large gatherings of the pandemic. She takes over a department with a sprawling mission. In addition to key immigration agencies, the Department of Homeland Security oversees natural disaster response, the U.S. Secret Service, and Transportation Security Administration agents who work at airports. The governor of North Dakota, who was once little-known outside his state, Burgum is a former Republican presidential primary contender who endorsed Trump, and spent months traveling to drum up support for him, after dropping out of the race. Burgum was a serious contender to be Trump’s vice presidential choice this summer. The two-term governor was seen as a possible pick because of his executive experience and business savvy. Burgum also has close ties to deep-pocketed energy industry CEOs. Trump made the announcement about Burgum joining his incoming administration while addressing a gala at his Mar-a-Lago club, and said a formal statement would be coming the following day. In comments to reporters before Trump took the stage, Burgum said that, in recent years, the power grid is deteriorating in many parts of the country, which he said could raise national security concerns but also drive up prices enough to increase inflation. “There's just a sense of urgency, and a sense of understanding in the Trump administration,” Burgum said. Robert F. Kennedy Jr. ran for president as a Democrat, than as an independent, and then endorsed Trump . He's the son of Democratic icon Robert Kennedy, who was assassinated during his own presidential campaign. The nomination of Kennedy to lead the Department of Health and Human Services alarmed people who are concerned about his record of spreading unfounded fears about vaccines . For example, he has long advanced the debunked idea that vaccines cause autism. Scott Bessent, 62, is a former George Soros money manager and an advocate for deficit reduction. He's the founder of hedge fund Key Square Capital Management, after having worked on-and-off for Soros Fund Management since 1991. If confirmed by the Senate, he would be the nation’s first openly gay treasury secretary. He told Bloomberg in August that he decided to join Trump’s campaign in part to attack the mounting U.S. national debt. That would include slashing government programs and other spending. “This election cycle is the last chance for the U.S. to grow our way out of this mountain of debt without becoming a sort of European-style socialist democracy,” he said then. Scott Turner is a former NFL player and White House aide. He ran the White House Opportunity and Revitalization Council during Trump’s first term in office. Trump, in a statement, credited Turner, the highest-ranking Black person he’s yet selected for his administration, with “helping to lead an Unprecedented Effort that Transformed our Country’s most distressed communities.” Sean Duffy is a former House member from Wisconsin who was one of Trump's most visible defenders on cable news. Duffy served in the House for nearly nine years, sitting on the Financial Services Committee and chairing the subcommittee on insurance and housing. He left Congress in 2019 for a TV career and has been the host of “The Bottom Line” on Fox Business. Before entering politics, Duffy was a reality TV star on MTV, where he met his wife, “Fox and Friends Weekend” co-host Rachel Campos-Duffy. They have nine children. A campaign donor and CEO of Denver-based Liberty Energy, Write is a vocal advocate of oil and gas development, including fracking — a key pillar of Trump’s quest to achieve U.S. “energy dominance” in the global market. Wright also has been one of the industry’s loudest voices against efforts to fight climate change. He said the climate movement around the world is “collapsing under its own weight.” The Energy Department is responsible for advancing energy, environmental and nuclear security of the United States. Wright also won support from influential conservatives, including oil and gas tycoon Harold Hamm. Hamm, executive chairman of Oklahoma-based Continental Resources, a major shale oil company, is a longtime Trump supporter and adviser who played a key role on energy issues in Trump’s first term. President-elect Donald Trump tapped billionaire professional wrestling mogul Linda McMahon to be secretary of the Education Department, tasked with overseeing an agency Trump promised to dismantle. McMahon led the Small Business Administration during Trump’s initial term from 2017 to 2019 and twice ran unsuccessfully as a Republican for the U.S. Senate in Connecticut. She’s seen as a relative unknown in education circles, though she expressed support for charter schools and school choice. She served on the Connecticut Board of Education for a year starting in 2009 and has spent years on the board of trustees for Sacred Heart University in Connecticut. Brooke Rollins, who graduated from Texas A&M University with a degree in agricultural development, is a longtime Trump associate who served as White House domestic policy chief during his first presidency. The 52-year-old is president and CEO of the America First Policy Institute, a group helping to lay the groundwork for a second Trump administration. She previously served as an aide to former Texas Gov. Rick Perry and ran a think tank, the Texas Public Policy Foundation. Trump chose Howard Lutnick, head of brokerage and investment bank Cantor Fitzgerald and a cryptocurrency enthusiast, as his nominee for commerce secretary, a position in which he'd have a key role in carrying out Trump's plans to raise and enforce tariffs. Trump made the announcement Tuesday on his social media platform, Truth Social. Lutnick is a co-chair of Trump’s transition team, along with Linda McMahon, the former wrestling executive who previously led Trump’s Small Business Administration. Both are tasked with putting forward candidates for key roles in the next administration. The nomination would put Lutnick in charge of a sprawling Cabinet agency that is involved in funding new computer chip factories, imposing trade restrictions, releasing economic data and monitoring the weather. It is also a position in which connections to CEOs and the wider business community are crucial. Doug Collins is a former Republican congressman from Georgia who gained recognition for defending Trump during his first impeachment trial, which centered on U.S. assistance for Ukraine. Trump was impeached for urging Ukraine to investigate Joe Biden in 2019 during the Democratic presidential nomination, but he was acquitted by the Senate. Collins has also served in the armed forces himself and is currently a chaplain in the United States Air Force Reserve Command. "We must take care of our brave men and women in uniform, and Doug will be a great advocate for our Active Duty Servicemembers, Veterans, and Military Families to ensure they have the support they need," Trump said in a statement about nominating Collins to lead the Department of Veterans Affairs. Karoline Leavitt, 27, was Trump's campaign press secretary and currently a spokesperson for his transition. She would be the youngest White House press secretary in history. The White House press secretary typically serves as the public face of the administration and historically has held daily briefings for the press corps. Leavitt, a New Hampshire native, was a spokesperson for MAGA Inc., a super PAC supporting Trump, before joining his 2024 campaign. In 2022, she ran for Congress in New Hampshire, winning a 10-way Republican primary before losing to Democratic Rep. Chris Pappas. Leavitt worked in the White House press office during Trump's first term before she became communications director for New York Republican Rep. Elise Stefanik, Trump's choice for U.S. ambassador to the United Nations. Former Hawaii Rep. Tulsi Gabbard has been tapped by Trump to be director of national intelligence, keeping with the trend to stock his Cabinet with loyal personalities rather than veteran professionals in their requisite fields. Gabbard, 43, was a Democratic House member who unsuccessfully sought the party's 2020 presidential nomination before leaving the party in 2022. She endorsed Trump in August and campaigned often with him this fall. “I know Tulsi will bring the fearless spirit that has defined her illustrious career to our Intelligence Community,” Trump said in a statement. Gabbard, who has served in the Army National Guard for more than two decades, deploying to Iraq and Kuwait, would come to the role as somewhat of an outsider compared to her predecessor. The current director, Avril Haines, was confirmed by the Senate in 2021 following several years in a number of top national security and intelligence positions. Trump has picked John Ratcliffe, a former Texas congressman who served as director of national intelligence during his first administration, to be director of the Central Intelligence Agency in his next. Ratcliffe was director of national intelligence during the final year and a half of Trump's first term, leading the U.S. government's spy agencies during the coronavirus pandemic. “I look forward to John being the first person ever to serve in both of our Nation's highest Intelligence positions,” Trump said in a statement, calling him a “fearless fighter for the Constitutional Rights of all Americans” who would ensure “the Highest Levels of National Security, and PEACE THROUGH STRENGTH.” Trump has chosen former New York Rep. Lee Zeldin to serve as his pick to lead the Environmental Protection Agency . Zeldin does not appear to have any experience in environmental issues, but is a longtime supporter of the former president. The 44-year-old former U.S. House member from New York wrote on X , “We will restore US energy dominance, revitalize our auto industry to bring back American jobs, and make the US the global leader of AI.” “We will do so while protecting access to clean air and water,” he added. During his campaign, Trump often attacked the Biden administration's promotion of electric vehicles, and incorrectly referring to a tax credit for EV purchases as a government mandate. Trump also often told his audiences during the campaign his administration would “Drill, baby, drill,” referring to his support for expanded petroleum exploration. In a statement, Trump said Zeldin “will ensure fair and swift deregulatory decisions that will be enacted in a way to unleash the power of American businesses, while at the same time maintaining the highest environmental standards, including the cleanest air and water on the planet.” Trump has named Brendan Carr, the senior Republican on the Federal Communications Commission, as the new chairman of the agency tasked with regulating broadcasting, telecommunications and broadband. Carr is a longtime member of the commission and served previously as the FCC’s general counsel. He has been unanimously confirmed by the Senate three times and was nominated by both Trump and President Joe Biden to the commission. Carr made past appearances on “Fox News Channel," including when he decried Democratic Vice President Kamala Harris' pre-Election Day appearance on “Saturday Night Live.” He wrote an op-ed last month defending a satellite company owned by Trump supporter Elon Musk. Rep. Elise Stefanik is a representative from New York and one of Trump's staunchest defenders going back to his first impeachment. Elected to the House in 2014, Stefanik was selected by her GOP House colleagues as House Republican Conference chair in 2021, when former Wyoming Rep. Liz Cheney was removed from the post after publicly criticizing Trump for falsely claiming he won the 2020 election. Stefanik, 40, has served in that role ever since as the third-ranking member of House leadership. Stefanik’s questioning of university presidents over antisemitism on their campuses helped lead to two of those presidents resigning, further raising her national profile. If confirmed, she would represent American interests at the U.N. as Trump vows to end the war waged by Russia against Ukraine begun in 2022. He has also called for peace as Israel continues its offensive against Hamas in Gaza and its invasion of Lebanon to target Hezbollah. President-elect Donald Trump says he's chosen former acting Attorney General Matt Whitaker to serve as U.S. ambassador to NATO. Trump has expressed skepticism about the Western military alliance for years. Trump said in a statement Wednesday that Whitaker is “a strong warrior and loyal Patriot” who “will ensure the United States’ interests are advanced and defended” and “strengthen relationships with our NATO Allies, and stand firm in the face of threats to Peace and Stability.” The choice of Whitaker as the nation’s representative to the North Atlantic Treaty Organization is an unusual one, given his background is as a lawyer and not in foreign policy. A Republican congressman from Michigan who served from 1993 to 2011, Hoekstra was ambassador to the Netherlands during Trump's first term. “In my Second Term, Pete will help me once again put AMERICA FIRST,” Trump said in a statement announcing his choice. “He did an outstanding job as United States Ambassador to the Netherlands during our first four years, and I am confident that he will continue to represent our Country well in this new role.” Trump will nominate former Arkansas Gov. Mike Huckabee to be ambassador to Israel. Huckabee is a staunch defender of Israel and his intended nomination comes as Trump has promised to align U.S. foreign policy more closely with Israel's interests as it wages wars against the Iran-backed Hamas and Hezbollah. “He loves Israel, and likewise the people of Israel love him,” Trump said in a statement. “Mike will work tirelessly to bring about peace in the Middle East.” Huckabee, who ran unsuccessfully for the Republican presidential nomination in 2008 and 2016, has been a popular figure among evangelical Christian conservatives, many of whom support Israel due to Old Testament writings that Jews are God’s chosen people and that Israel is their rightful homeland. Trump has been praised by some in this important Republican voting bloc for moving the U.S. embassy in Israel from Tel Aviv to Jerusalem. Trump on Tuesday named real estate investor Steven Witkoff to be special envoy to the Middle East. The 67-year-old Witkoff is the president-elect's golf partner and was golfing with him at Trump's club in West Palm Beach, Florida, on Sept. 15, when the former president was the target of a second attempted assassination. Witkoff “is a Highly Respected Leader in Business and Philanthropy,” Trump said of Witkoff in a statement. “Steve will be an unrelenting Voice for PEACE, and make us all proud." Trump also named Witkoff co-chair, with former Georgia Sen. Kelly Loeffler, of his inaugural committee. Trump asked Rep. Michael Waltz, R-Fla., a retired Army National Guard officer and war veteran, to be his national security adviser, Trump announced in a statement Tuesday. The move puts Waltz in the middle of national security crises, ranging from efforts to provide weapons to Ukraine and worries about the growing alliance between Russia and North Korea to the persistent attacks in the Middle East by Iran proxies and the push for a cease-fire between Israel and Hamas and Hezbollah. “Mike has been a strong champion of my America First Foreign Policy agenda,” Trump's statement said, "and will be a tremendous champion of our pursuit of Peace through Strength!” Waltz is a three-term GOP congressman from east-central Florida. He served multiple tours in Afghanistan and also worked in the Pentagon as a policy adviser when Donald Rumsfeld and Robert Gates were defense chiefs. He is considered hawkish on China, and called for a U.S. boycott of the 2022 Winter Olympics in Beijing due to its involvement in the origin of COVID-19 and its mistreatment of the minority Muslim Uighur population. Stephen Miller, an immigration hardliner , was a vocal spokesperson during the presidential campaign for Trump's priority of mass deportations. The 39-year-old was a senior adviser during Trump's first administration. Miller has been a central figure in some of Trump's policy decisions, notably his move to separate thousands of immigrant families. Trump argued throughout the campaign that the nation's economic, national security and social priorities could be met by deporting people who are in the United States illegally. Since Trump left office in 2021, Miller has served as the president of America First Legal, an organization made up of former Trump advisers aimed at challenging the Biden administration, media companies, universities and others over issues such as free speech and national security. Thomas Homan, 62, has been tasked with Trump’s top priority of carrying out the largest deportation operation in the nation’s history. Homan, who served under Trump in his first administration leading U.S. Immigration and Customs Enforcement, was widely expected to be offered a position related to the border, an issue Trump made central to his campaign. Though Homan has insisted such a massive undertaking would be humane, he has long been a loyal supporter of Trump's policy proposals, suggesting at a July conference in Washington that he would be willing to "run the biggest deportation operation this country’s ever seen.” Democrats have criticized Homan for his defending Trump's “zero tolerance” policy on border crossings during his first administration, which led to the separation of thousands of parents and children seeking asylum at the border. Dr. Mehmet Oz, 64, is a former heart surgeon who hosted “The Dr. Oz Show,” a long-running daytime television talk show. He ran unsuccessfully for the U.S. Senate as the Republican nominee in 2022 and is an outspoken supporter of Trump, who endorsed Oz's bid for elected office. Elon Musk, left, and Vivek Ramaswamy speak before Republican presidential nominee former President Donald Trump at an Oct. 27 campaign rally at Madison Square Garden in New York. Trump on Tuesday said Musk and former Republican presidential candidate Ramaswamy will lead a new “Department of Government Efficiency" — which is not, despite the name, a government agency. The acronym “DOGE” is a nod to Musk's favorite cryptocurrency, dogecoin. Trump said Musk and Ramaswamy will work from outside the government to offer the White House “advice and guidance” and will partner with the Office of Management and Budget to “drive large scale structural reform, and create an entrepreneurial approach to Government never seen before.” He added the move would shock government systems. It's not clear how the organization will operate. Musk, owner of X and CEO of Tesla and SpaceX, has been a constant presence at Mar-a-Lago since Trump won the presidential election. Ramaswamy suspended his campaign in January and threw his support behind Trump. Trump said the two will “pave the way for my Administration to dismantle Government Bureaucracy, slash excess regulations, cut wasteful expenditures, and restructure Federal Agencies.” Russell Vought held the position during Trump’s first presidency. After Trump’s initial term ended, Vought founded the Center for Renewing America, a think tank that describes its mission as “renew a consensus of America as a nation under God.” Vought was closely involved with Project 2025, a conservative blueprint for Trump’s second term that he tried to distance himself from during the campaign. Vought has also previously worked as the executive and budget director for the Republican Study Committee, a caucus for conservative House Republicans. He also worked at Heritage Action, the political group tied to The Heritage Foundation, a conservative think tank. Scavino, whom Trump's transition referred to in a statement as one of “Trump's longest serving and most trusted aides,” was a senior adviser to Trump's 2024 campaign, as well as his 2016 and 2020 campaigns. He will be deputy chief of staff and assistant to the president. Scavino had run Trump's social media profile in the White House during his first administration. He was also held in contempt of Congress in 2022 after a month-long refusal to comply with a subpoena from the House committee’s investigation into the Jan. 6, 2021, attack on the U.S. Capitol. Blair was political director for Trump's 2024 campaign and for the Republican National Committee. He will be deputy chief of staff for legislative, political and public affairs and assistant to the president. Blair was key to Trump's economic messaging during his winning White House comeback campaign this year, a driving force behind the candidate's “Trump can fix it” slogan and his query to audiences this fall if they were better off than four years ago. Budowich is a veteran Trump campaign aide who launched and directed Make America Great Again, Inc., a super PAC that supported Trump's 2024 campaign. He will be deputy chief of staff for communications and personnel and assistant to the president. Budowich also had served as a spokesman for Trump after his presidency. McGinley was White House Cabinet secretary during Trump's first administration, and was outside legal counsel for the Republican National Committee's election integrity effort during the 2024 campaign. In a statement, Trump called McGinley “a smart and tenacious lawyer who will help me advance our America First agenda, while fighting for election integrity and against the weaponization of law enforcement.” Get Government & Politics updates in your inbox! Stay up-to-date on the latest in local and national government and political topics with our newsletter.West Virginia 31, UCF 21

LISBON, Portugal (AP) — The goals are flying in again for Arsenal — and it just happens to coincide with the return from injury of Martin Odegaard. Make that eight goals in two games since the international break for Arsenal after its 5-1 hammering of Sporting Lisbon in the Champions League on Tuesday, tying the English team’s heaviest ever away win in the competition. Odegaard is back in Arsenal’s team after missing two months with an ankle injury . In that time, Mikel Arteta’s attack stuttered, with a 2-0 loss to Bournemouth and a 1-0 defeat at Newcastle dropping the Gunners well off the pace in the Premier League. There was also a 0-0 draw at Atalanta in the Champions League as well as a 1-0 loss to Inter Milan last month, when Odegaard made his comeback from injury as an 89th-minute substitute. Since then, Arsenal hasn’t lost and the goals have returned. After a 3-0 win over Nottingham Forest on Saturday came the cruise in Lisbon — and Odegaard was at the heart of everything as Sporting’s unbeaten start to the season came to an end. “He’s an unbelievable player,” Arsenal winger Bukayo Saka said of Odegaard. “The day he returned, there was a big smile on my face. You can see the chemistry we have. I hope he stays fit for the rest of the season.” Odegaard was involved in the build-up to Arsenal’s first two goals against Sporting — scored by Gabriel Martinelli and Kai Havertz — and was fouled to win the penalty converted by Saka in the 65th to restore Arsenal’s three-goal lead at 4-1. Odegaard was seen flexing his leg after that but continued untroubled and was substituted in the 78th minute. The last thing Arteta would want now is another injury to Odegaard as Arsenal attempts to reel in first-place Liverpool in the Premier League. Liverpool is already nine points ahead of fourth-place Arsenal after 12 games. AP soccer: https://apnews.com/hub/soccer

Topline Special Counsel Jack Smith dropped the federal government’s two criminal cases against President-elect Donald Trump on Monday due to his impending inauguration—but there’s still a chance the federal government could try to revive the cases in the future after Trump leaves office, though it would have to overcome some legal hurdles. Key Facts Crucial Quote Smith’s motions to dismiss Trump’s cases “could be an effort to keep the cases alive in the long term,” former U.S. attorney Barbara McQuade wrote in an op-ed for MSNBC Tuesday, noting that by insisting the cases be dismissed without prejudice, the special counsel “blocks Trump’s attorney general from dismissing the cases for all time.” “It may be that a future attorney general ... will lack the appetite to resuscitate the cases against Trump in 2029,” McQuade added. “But Smith has done all he can to preserve that possibility.” What To Watch For It will be years before it’ll be clear whether a second round of Trump indictments will actually happen. The charges would probably be contingent on a Democratic president replacing Trump when he leaves office, as a GOP successor would be unlikely to try and punish Trump. Even if Democrats took back the White House in 2032 or 2036, it would then be too late under the statute of limitations to bring charges, even excluding the time when Trump was in office. It’s also still too early to say whether indicting Trump again would be a priority for the federal government by the time he leaves office, given Trump’s advanced age and the fact he will not be eligible to run for president for a third term. He will be 82 years old when he leaves office in January 2029. Can Trump Pardon Himself? Another potential step Trump could try to take to shield himself from future legal liability would be to pardon himself while he’s in office, though it’s a legal grey area whether he would be allowed to do so. The Justice Department said in a 1974 memo during Richard Nixon’s presidency presidents are not allowed to pardon themselves, citing the “fundamental rule that no one may be a judge in his own case.” That memo isn’t legally binding, however, and since Nixon resigned and was pardoned by Gerald Ford rather than trying to pardon himself, the issue hasn’t been tested in practice. If Trump tried to pardon himself, the issue would likely become tied up in court and ultimately be left to the Supreme Court to decide. What About Trump’s State Cases? While his federal cases have been dropped, Trump’s two other criminal cases in state court are still pending—at least for now. Trump has already been found guilty on 34 felony counts in New York for falsifying business records, but his sentencing has been delayed while Judge Juan Merchan determines whether to grant Trump’s request to throw the verdict out altogether in light of his election. Even if Merchan denies Trump’s request and keeps the case alive, it’s unlikely Trump will be sentenced before Inauguration Day, and prosecutors said they believe it would be appropriate for Trump’s sentencing to wait until after he leaves office. Trump has also been charged in Georgia state court for trying to overturn the 2020 election. That case has not yet gone to trial and remains pending , though Trump’s lawyers are expected to try and have it thrown out based on him being elected president. If the court keeps the case alive, the proceedings are expected to be paused until Trump leaves office. Key Background Trump was indicted in the two federal cases last year, becoming the first sitting or former president to ever be federally charged. While the cases were supposed to go to trial earlier this year—with the election case slated for trial in March and the documents case in May—Trump managed to successfully delay the cases past Election Day, ultimately killing them. The election case was paused for months while the Supreme Court deliberated whether Trump should be immune from prosecution, ultimately ruling in July to shield him from some criminal charges—a major hurdle that would likely pose issues even if Trump is charged again after leaving office. While Smith argued the charges could go forward even in light of the Supreme Court’s decision, it was already too late for the case to go to trial by Election Day. Cannon dismissed the documents case in July after already indefinitely postponing the trial date, as the Trump-appointed judge slow-walked rulings leading up to the trial. Smith then appealed the case to the 11th Circuit, but there was not enough time for it to issue any ruling on whether the charges should be revived before Trump’s election. Tangent While Smith dropped the government’s charges against Trump in the documents case, he did not end separate cases against Trump aides Walter Nauta and Carlos deOliveira, who were charged with helping Trump conceal classified documents. Those cases are still continuing on at least for now, with Smith arguing in a new filing Tuesday the charges should be revived after Cannon dismissed them. It’s unlikely the cases will continue on for much longer, though, as Trump’s appointees at the Justice Department are likely to drop the charges after he takes office. Trump allies who were charged alongside the ex-president in the Georgia 2020 election case—including Rudy Giuliani and former White House Chief of Staff Mark Meadows—will also still have to face prosecution and likely go to trial while Trump’s in office, however, even if his own trial gets delayed or dropped entirely. He will not be able to have his allies’ charges dropped or pardon them, given the case is in state court and not federal court. Further Reading

The extraordinary turnaround leaves Pep Guardiola’s side winless in six games. Manchester City’s crisis deepened as they surrendered a three-goal lead late in the game to draw 3-3 against Feyenoord in the Champions League. Pep Guardiola’s side at least avoided the indignity of a sixth successive defeat in all competitions but alarm bells continue to ring at the Etihad Stadium after a dramatic late capitulation. A double from Erling Haaland – the first from the penalty spot – and a deflected effort from Ilkay Gundogan, all in the space of nine minutes either side of the break, looked to have ensured a return to winning ways. Yet Guardiola was left with his head in hands as Feyenoord roared back in the last 15 minutes with goals from Anis Hadj Moussa, Sergio Gimenez and David Hancko, two of them after Josko Gvardiol errors. City almost snatched a late winner when Jack Grealish hit the woodwork but there was no masking another dispiriting result. It was hardly the preparation City wanted for Sunday’s crunch trip to Liverpool, and the Feyenoord fans took great delight in rubbing that fact in. They sung the club anthem they share with Liverpool, You’ll Never Walk Alone, and chanted the name of their former manager Arne Slot, the current Reds boss. Guardiola arrived at the ground with a cut on the bridge of his nose and, once again, his side have been struck a nasty blow. Despite not being at their best, they had dominated early on against what seemed limited Dutch opposition. They threatened when a Gundogan shot was deflected wide and Haaland then went close to opening the scoring when he turned a header onto the post. Feyenoord goalkeeper Timon Wellenreuther gifted City another chance when he passed straight to Bernardo Silva but Grealish’s fierce volley struck team-mate Phil Foden. Foden forced a save from Wellenreuther but City had a moment of alarm when Igor Paixao got behind the defence only to shoot tamely at Ederson. Nathan Ake missed the target with a header but some luck finally went City’s way just before the break when Quinten Timber, brother of Arsenal’s Jurrien, was harshly adjudged to have fouled Haaland. The Norwegian rammed home the resulting spot-kick and City returned re-energised for the second period. They won a corner when a Matheus Nunes shot was turned behind and Gundogan fired the hosts’ second – albeit with aid of a deflection – with a firm volley from the edge of the box. City turned up the heat and claimed their third soon after as Gundogan released Nunes with a long ball and his low cross was turned into the net by a sliding Haaland. It seemed City were heading for a morale-lifting victory but a couple of Gvardiol errors changed the script. The Croatian, who had a torrid time in Saturday’s 4-0 thrashing by Tottenham, first horribly misplaced a backpass and allowed Moussa to nip in and round Ederson. Ordinarily that 75th-minute reply would have been a mere consolation and City would close out the game, but Gvardiol had another moment to forget eight minutes from time. Again he gave the ball away and Feyenoord pounced. The ball was lofted into the box and Jordan Lotomba fired a shot that glanced the post and deflected across goal, where Gimenez chested in. Ederson then blundered as he raced out of his area and was beaten by Paixao, who crossed for Hancko to head into an empty net. Amid some moments of unrest in the crowd, when objects were thrown, City tried to rally in stoppage time. Grealish had an effort deflected onto the bar but the hosts had to settle for a draw.NoneLiverpool beat Real Madrid 2-0 to go top of Champions LeagueGakpo caps Liverpool win over Real Madrid as Mbappé is denied from spot

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FA investigates Premier League referee in alleged booking controversyAs Americans are beyond burned out, Tricia Hersey’s Nap Ministry preaches the right to restFamilies who have suffered from some of Fort Worth's most heinous and mysterious unsolved crimes say a lack of staff in the Fort Worth Police Department's Cold Case Unit has left Justice Shelved in their decades-long struggles for answers. After we reported on the police department's troubled and severely understaffed crime lab , several families of murdered and missing people in Fort Worth reached out to NBC 5 Investigates . They expressed anger and frustration with a lack of action and communication in their cases. NBC 5 Investigates reported last month that the Fort Worth Police Department's crime lab has been so short-staffed that it failed to meet state deadlines for processing evidence in sexual assault cases more than 1,200 times . Five families, those of June Ward, Gloria Choice, Julie Moseley, Cheryl Springfield, and Thurlow Buchanon, are now members of a group they never wanted to join. They're united by loss and grief but also by shared concern with what they describe as the Fort Worth Police Department's lack of resources and responsiveness. "It's wrong. We're angry. We're forgotten," said Jan Webster, whose sister, Cheryl Springfield, was murdered on Christmas Day in 1980. The families said they felt forgotten because the Fort Worth Police Department's Cold Case Unit is understaffed. The department confirmed that only one full-time detective and two part-time reserve officers were assigned to the unit, which has 1,000 cold cases to solve. "It's ridiculous. There's no way," Webster said. Kym Caddell, who helps support and advocate for Fort Worth cold case families through Thaw the Cold Cases , said staffing in the unit reminds her of the situation NBC 5 Investigates exposed in the crime lab, where the police department had five vacant positions, resulting in delays to more than 1,200 sexual assault cases. "No matter how dedicated, how passionate you are, you cannot work a thousand cases, nor can you go through the cases to see which ones are workable," said Caddell. Caddell said there were parallels between the department's cold case unit and the crime lab, including a lack of manpower and funding. "It's deplorable. As much as Fort Worth has grown and as big as we are, then, I mean, there needs to be more staffing," said Sheryl Buchanan, whose brother Thurlow was murdered in 1987. NBC 5 Investigates sat down with Fort Worth Chief of Police Neil Noakes and told him that many families said they felt forgotten. "They are not forgotten. I want them to know that," Noakes said. The chief said his department is actively working on cold cases where new leads exist. "This is extremely important. Any way we can bring closure to any family or a loved one of someone who was murdered. We want to make sure we do that," Noakes said. The families told NBC 5 Investigates they could not get basic questions answered about the status of investigations. "You know, you don't get responses. When you do, you know, 'I'm going to get back with you,' and they don't. I don't think I've ever had a return phone call," Buchanan said. Scotti Choice, whose mother, Gloria Choice, was found murdered in a vacant Fort Worth apartment building, has had a similar experience trying to get an update on his mother's case. "They won't call you back. They won't answer phones. You leave a message, they won't call you back," said Choice. Many families would like to know about the status of DNA evidence in their cases and whether additional testing could be done. "You know, where do we sit? What do we have to work with? Right. And then what are the criteria?" said Dave Ward, whose mother, 25-year-old June Ward, was killed in 1977. Her body was found naked, and she'd been strangled with her bra strap. The families saw a glimmer of hope in 2020 when the Fort Worth Police Department solved the 46-year-old murder of Carla Walker . In that case, police sent DNA evidence to a private lab specializing in degraded DNA samples and genetic genealogy, which can identify even distant relatives of possible suspects to generate new leads. "I know that technology's changed, and I know that there's something they could do. I'm just not sure why it's not getting done," Webster said. Some of the families said they've asked those questions but have not received a response. They all said they felt the department had done a poor job of communicating with the families about their cases. We shared their concerns with Noakes, letting the chief know each family hoped for an update on their case and whether there was any DNA evidence that could be sent away like in the Walker case. Noakes said families would be given those answers and pledged that his detectives would review each case to determine whether additional testing is possible. "If there is something that we can send off to be tested, then absolutely we should make that happen," Noakes said. Noakes conceded that families waiting months or even a year for a response from the Cold Case Unit was unacceptable. He promised to reexamine staffing in the coming weeks to see if additional staff would help the department be more responsive to victims, and he offered the families an apology. "I am so sorry. The last thing we want is any victim of a crime or family member of a victim of a crime here in Fort Worth to feel that we don't care, to feel that they are forgotten," Noakes said. For families, finding out what happened to their loved ones is more than just curiosity. It's a deep need to comprehend events that forever altered their lives. "They had lives," Webster said. "They deserved to know what happened. We deserve to know what happened." Ward described how the violent death of his mother left behind emptiness and a desire to know what happened while creating a drive to advocate on her behalf. "You have a daughter? You have a sister? You have a mother? You could probably imagine how this would feel," Ward said. Noakes told NBC 5 Investigates that his department is also working to turn the old paper records in their cold case files into digital records, which could help detectives better track the status of cases and DNA evidence. Even after decades, degraded DNA could still be tested, just like in the Walker case. In the case of the missing trio of teenagers, the families would like a letter left behind to be tested to determine if it was written by one of the victims or someone who harmed them. The families agreed that they wanted the information, whatever the answers to these questions were. CHERYL SPRINGFIELD Cheryl Lynn Tunnel Springfield was just 21 years old in 1980 when she was found dead inside a quaint home on Whittier Street in Fort Worth. In a 2016 report, NBC 5 talked with the victim's sister , Jan Webster, who promised justice for her sister. "We may not be able to get it now, but technology will catch up. And if you're 80 years old and I have to come jerk you out of the nursing home, I intend to do that," Webster said. Springfield had been working things out with her ex-husband, Scott, and they planned to spend Christmas with their young son. When Scott arrived at her home on Christmas morning, he found her naked and bloody body on the floor next to her Christmas tree. Detectives said she was strangled with a cord that was still tightly wound around her neck. Springfield's ex-husband was ruled out as a suspect in her murder. Fort Worth police said a neighbor reported seeing her talking with an unknown man at about midnight on Christmas Eve, but a good description wasn't available. A partial fingerprint was recovered at the scene. JULIE MOSELEY (MISSING TRIO) Sandy Harkcom's neice Julie Moseley is one of Fort Worth's "missing trio" of three teenagers who vanished two days before Christmas in 1974. Reports from NBC 5 said 17-year-old Rachel Trlica, 14-year-old Renee Wilson, and 9-year-old Julie Moseley had driven to the Seminary South Shopping Center on Dec. 23, 1974, and were never seen again. There was speculation the girls went to Houston to visit relatives, but after police found their car abandoned with Christmas presents and school books in the rear seat, investigators knew they'd never made that trip. The disappearances were profiled in an episode of NBC's Dateline , which pointed at physical evidence in the case -- a handwritten note received by Tommy Trlica, Rachel's husband, the morning after the girls disappeared. The note was suspicious, the family said, because it was signed by Rachel but her name was misspelled. The families also found the statements made in the note unbelievable. THURLOW BUCHANAN O.D. Wyatt graduate Thurlow Buchanan disappeared in Fort Worth in November 1987 and was never seen or heard from again. According to a Jan. 2, 1988, article in the Fort Worth Star-Telegram, Buchanan was last seen leaving his friend's apartment on Pinson Street in his new pickup truck. Three days after his disappearance, the truck was found near the University of Houston, where his girlfriend attended college, but there were no signs of foul play and no sign of Buchanan. According to the paper, Thurlow was dependable and never left town without telling his mother and previously had only visited his girlfriend on weekends because he attended night school. JUNE WARD The Fort Worth Police Department began investigating the murder of June Ward in February 1977. Ward was believed to have had car trouble after her white Chevrolet Laguna was found along the 4800 block of South Freeway. Ward's body was found not far away, lying next to a curb on the 1000 block of West Fuller. It was determined that Ward had been strangled. GLORIA CHOICE On Dec. 9, 2005, Gloria Yvonne Choice, 57, was found dead in a vacant apartment in East Fort Worth. According to the Tarrant County Medical Examiner's Report, Gloria was attacked by another person and suffered blunt trauma to her head and brain. Her body was found in the Willows of Woodhaven Apartment complex at 5855 Goldenwood Drive. A suspect was not identified. In 2010, the Cold Case Unit reopened the investigation. In April 2012, Fort Worth Police announced they'd obtained an arrest warrant for the murder, but the suspect was later released. 'THAW THE COLD CASES' Kym Caddell and the families who spoke to NBC 5 are part of a private group called Thaw the Cold Cases . The support group is dedicated to bringing families who have lost loved ones together, where they work collectively to raise awareness for their cold cases. Before gathering at the NBC 5 studios, the families previously met at an annual remembrance walk organized by the group. The next walk is planned for April 2025. A nonprofit has been established to raise funds to support the Fort Worth Police Department's cold case unit. For more information on the organization and how to donate, visit its website . Anyone with information about a Fort Worth Cold Case or any unsolved homicide is asked to contact Fort Worth Police at 817-392-4307 or 817-392-4308. Information may also shared via email at coldcase@fortworthpd.com .

Drake eases by Stetson 49-10 to secure a second straight outright Pioneer Football League titleATLANTA (AP) — Deliberations are underway in Atlanta after a year of testimony in the gang and racketeering trial that originally included the rapper Young Thug. Jurors are considering whether to convict Shannon Stillwell and Deamonte Kendrick, who raps as Yak Gotti, on gang, murder, drug and gun charges. The original indictment charged 28 people with conspiring to violate Georgia’s Racketeer Influenced and Corrupt Organizations Act. Opening statements in the trial for six of those defendants happened a year ago . Four of them, including Young Thug, pleaded guilty last month. The rapper was freed on probation. Stillwell and Kendrick rejected plea deals after more than a week of negotiations, and their lawyers chose not to present evidence or witnesses. Both seemed to be in good spirits Tuesday morning after closings wrapped the previous night. Kendrick was chatting and laughing with Stillwell and his lawyers before the jury arrived for instructions. The jury started deliberating Tuesday afternoon and was dismissed at 5 p.m. Jurors are expected to resume deliberations Wednesday morning. If they don’t reach a verdict by 3 p.m. Wednesday, the judge will send them home for the Thanksgiving weekend and they will return Monday morning. Kendrick and Stillwell were charged in the 2015 killing of Donovan Thomas Jr., also known as “Big Nut,” in an Atlanta barbershop. Prosecutors painted Stillwell and Kendrick as members of a violent street gang called Young Slime Life, or YSL, co-founded in 2012 by Young Thug, whose real name is Jeffery Williams. During closings on Monday, they pointed to tattoos, song lyrics and social media posts they said proved members, including Stillwell, admitted to killing people in rival gangs. Prosecutors say Thomas was in a rival gang. Stillwell was also charged in the 2022 killing of Shymel Drinks, which prosecutors said was in retaliation for the killing of two YSL associates days earlier. Defense attorneys Doug Weinstein and Max Schardt said the state presented unreliable witnesses, weak evidence and cherry-picked lyrics and social media posts to push a false narrative about Stillwell, Kendrick and the members of YSL. Schardt, Stillwell's attorney, reminded the jury that alleged YSL affiliates said during the trial that they had lied to police. Law enforcement played a “sick game” by promising they would escape long prison sentences if they said what police wanted them to say, Schardt said. He theorized that one of those witnesses could have killed Thomas. The truth is that their clients were just trying to escape poverty through music, Schardt said. “As a whole, we know the struggles that these communities have had,” Schardt said. “A sad, tacit acceptance that it’s either rap, prison or death.” Young Thug’s record label is also known as YSL, an acronym of Young Stoner Life. Kendrick was featured on two popular songs from the label’s compilation album Slime Language 2, “Take It to Trial" and “Slatty," which prosecutors presented as evidence in the trial. Weinstein, Kendrick’s defense attorney, said during closings it was wrong for prosecutors to target the defendants for their music and lyrics. Prosecutor Simone Hylton disagreed, and said surveillance footage and phone evidence supported her case. “They have the audacity to think they can just brag about killing somebody and nobody’s gonna hold them accountable,” Hylton said. The trial had more than its fair share of delays. Jury selection took nearly 10 months , and Stillwell was stabbed last year at the Fulton County jail, which paused trial proceedings. Judge Paige Reese Whitaker took over after Fulton County Superior Court Chief Judge Ural Glanville was removed from the case in July because he had a meeting with prosecutors and a state witness without defense attorneys present. Whitaker often lost patience with prosecutors over moves such as not sharing evidence with defense attorneys, once accusing them of “poor lawyering.” But the trial sped up under her watch. In October, four defendants, including Young Thug , pleaded guilty, with the rapper entering a non-negotiated or “blind” plea, meaning he didn't have a deal worked out with prosecutors. Nine people charged in the indictment, including rapper Gunna , accepted plea deals before the trial began. Charges against 12 others are pending. Prosecutors dropped charges against one defendant after he was convicted of murder in an unrelated case. Kramon is a corps member for The Associated Press/Report for America Statehouse News Initiative. Report for America is a nonprofit national service program that places journalists in local newsrooms to report on undercovered issues. Follow Kramon on X: @charlottekramon

SHENZHEN, China , Nov. 26, 2024 /PRNewswire/ -- X Financial XYF (the "Company" or "we"), a leading online personal finance company in China , today announced its unaudited financial results for the third quarter ended September 30, 2024 . Third Quarter 2024 Operational Highlights Three Months Ended September 30, 2023 Three Months Ended June 30, 2024 Three Months Ended September 30, 2024 QoQ YoY Total loan amount facilitated and originated (RMB in million) 29,462 22,749 28,338 24.6 % (3.8 %) Number of active borrowers 1,809,815 1,642,605 1,965,248 19.6 % 8.6 % The total loan amount facilitated and originated [1] in the third quarter of 2024 was RMB28,338 million , compared with RMB29,462 million in the same period of 2023. Total number of active borrowers [2] was 1,965,248 in the third quarter of 2024, compared with 1,809,815 in the same period of 2023. As of September 30, 2023 As of June 30, 2024 As of September 30, 2024 Total outstanding loan balance (RMB in million) 49,685 41,804 45,766 Delinquency rates for all outstanding loans that are past due for 31-60 days 1.11 % 1.29 % 1.02 % Delinquency rates for all outstanding loans that are past due for 91-180 days 2.50 % 4.38 % 3.22 % The total outstanding loan balance [3] as of September 30, 2024 was RMB45,766 million , compared with RMB49,685 million as of September 30, 2023 . The delinquency rate for all outstanding loans that are past due for 31-60 days [4] as of September 30, 2024 was 1.02%, compared with 1.11% as of September 30, 2023 . The delinquency rate for all outstanding loans that are past due for 91-180 days [5] as of September 30, 2024 was 3.22%, compared with 2.50% as of September 30, 2023 . [1] Represents the total amount of loans that the Company facilitated and originated during the relevant period. [2] Represents borrowers who made at least one transaction on the Company's platform during the relevant period. [3] Represents the total amount of loans outstanding for loans that the Company facilitated and originated at the end of the relevant period. Loans that are delinquent for more than 60 days are excluded in the outstanding loan balance, except for Xiaoying Housing Loans. As Xiaoying Housing Loans is a secured loan product and the Company is entitled to payment by exercising its rights to the collateral, the Company does not exclude Xiaoying Housing Loans delinquent for more than 60 days in the outstanding loan balance. [4] Represents the balance of the outstanding principal and accrued outstanding interest for Xiaoying Credit Loans that were 31 to 60 days past due as a percentage of the total balance of outstanding principal and accrued outstanding interest for Xiaoying Credit Loans that the Company facilitated and originated as of a specific date. Xiaoying Credit Loans that are delinquent for more than 60 days are excluded when calculating the denominator. Starting from the first quarter of 2021, substantially all of the loans facilitated and originated by the Company have been Xiaoying Credit Loans. [5] To make the delinquency rate by balance comparable to the peers, the Company also defines the delinquency rate as the balance of the outstanding principal and accrued outstanding interest for Xiaoying Credit Loans that were 91 to 180 days past due as a percentage of the total balance of outstanding principal and accrued outstanding interest for the Xiaoying Credit Loans that the Company facilitated and originated as of a specific date. Xiaoying Credit Loans that are delinquent for more than 180 days are excluded when calculating the denominator. Third Quarter 2024 Financial Highlights (In thousands, except for share and per share data) Three Months Ended September 30, 2023 Three Months Ended June 30, 2024 Three Months Ended September 30, 2024 QoQ YoY RMB RMB RMB Total net revenue 1,396,864 1,372,588 1,582,497 15.3 % 13.3 % Total operating costs and expenses (961,852) (909,535) (1,073,533) 18.0 % 11.6 % Income from operations 435,012 463,053 508,964 9.9 % 17.0 % Net income 347,190 415,303 375,840 (9.5 %) 8.3 % Non-GAAP adjusted net income 374,507 374,661 433,625 15.7 % 15.8 % Net income per ADS—basic 7.26 8.46 7.86 (7.1 %) 8.3 % Net income per ADS—diluted 7.02 8.28 7.74 (6.5 %) 10.3 % Non-GAAP adjusted net income per ADS—basic 7.80 7.62 9.12 19.7 % 16.9 % Non-GAAP adjusted net income per ADS—diluted 7.56 7.50 8.88 18.4 % 17.5 % Total net revenue in the third quarter of 2024 was RMB1,582.5 million ( US$225.5 million ), representing an increase of 13.3% from RMB1,396.9 million in the same period of 2023. Income from operations in the third quarter of 2024 was RMB509.0 million ( US$72.5 million ), compared with RMB435.0 million in the same period of 2023. Net income in the third quarter of 2024 was RMB375.8 million ( US$53.6 million ), compared with RMB347.2 million in the same period of 2023. Non-GAAP [6] adjusted net income in the third quarter of 2024 was RMB433.6 million ( US$61.8 million ), compared with RMB374.5 million in the same period of 2023. Net income per basic and diluted American depositary share ("ADS") [7] in the third quarter of 2024 was RMB7.86 (US$1.12) and RMB7.74 (US$1.10) , compared with RMB7.26 and RMB7.02 , respectively, in the same period of 2023. Non-GAAP adjusted net income per basic and diluted ADS in the third quarter of 2024 was RMB9.12 (US$1.30) and RMB8.88 (US$1.27) , compared with RMB7.80 and RMB7.56 , respectively, in the same period of 2023. [6] The Company uses in this press release the following non-GAAP financial measures: (i) adjusted net income (loss), (ii) adjusted net income (loss) per basic ADS, (iii) adjusted net income (loss) per diluted ADS, (iv) adjusted net income per basic share, and (v) adjusted net income per diluted share, each of which excludes share-based compensation expense, impairment losses on financial investments, income (loss) from financial investments and impairment losses on long-term investments. For more information on non-GAAP financial measure, please see the section of "Use of Non-GAAP Financial Measures Statement" and the table captioned "Unaudited Reconciliations of GAAP and Non-GAAP Results" set forth at the end of this press release. [7] Each American depositary share ("ADS") represents six Class A ordinary shares. Mr. Kent Li , President of the Company, commented, "We are pleased to report another strong quarter, with loan volumes exceeding our forecast and a significant sequential improvement in asset quality. In the third quarter, we continued to promptly adjust loan volumes based on risk levels. As asset quality improved, we further intensified our borrower acquisition efforts, which have yielded very positive results. Both the top and bottom lines continued to grow year-over-year. Non-GAAP adjusted net income reached a new record high." "Specifically on the operational front, our total loan amount facilitated and originated was down 4% year-on-year but up 25% sequentially to RMB28 billion , above the high end of our guidance. Delinquency rates for all outstanding loans past due for 31-60 days and 91-180 days were 1.02% and 3.22%, respectively, at the end of the quarter, compared to 1.29% and 4.38% a quarter ago and 1.11% and 2.50% a year ago. We are pleased with these improvements in asset quality and will continue to optimize our risk management system through advanced technology." "In September this year, the Chinese government unveiled a comprehensive stimulus package aimed at improving liquidity, boosting the property market, stabilizing financial markets and stimulating consumption. We expect this will provide a meaningful boost to the macroeconomic recovery. As an integral part of the economy, the personal finance market we serve should benefit from this upturn. We have already observed positive signs in the market and are committed to adjusting loan volumes in line with risk levels. As a result of this favorable environment, we are raising our guidance and expect our monthly loan volume to exceed RMB10 billion in the fourth quarter, setting a new record." Mr. Frank Fuya Zheng , Chief Financial Officer of the Company, added, "I'm pleased to report that our strategy of balancing business growth and profitability continued to pay off. Total net revenue was RMB1.6 billion , up 13% year-on-year and 15% sequentially, while non-GAAP adjusted net income reached a record high of RMB434 million , up 16% year-on-year and sequentially. As we continue to deliver strong profitability and execute on our proven strategy, we have full confidence in our future. We will continue to execute our semi-annual dividend policy and explore opportunities under our share repurchase program to return more value to our shareholders over the long term." Third Quarter 2024 Financial Results Total net revenue in the third quarter of 2024 increased by 13.3% to RMB1,582 .5 million ( US$225 .5 million) from RMB1,396.9 million in the same period of 2023, primarily due to growth in various disaggregated revenue items compared with the same period of 2023. Please refer to analysis of disaggregation of revenue below. Three Months Ended September 30, (In thousands, except for share and per share data) 2023 2024 YoY RMB % of Revenue RMB % of Revenue Loan facilitation service 829,385 59.4 % 878,282 55.5 % 5.9 % Post-origination service 168,186 12.0 % 186,109 11.8 % 10.7 % Financing income 300,950 21.5 % 335,765 21.2 % 11.6 % Guarantee income 7,920 0.6 % 53,576 3.4 % 576.5 % Other revenue 90,423 6.5 % 128,765 8.1 % 42.4 % Total net revenue 1,396,864 100.0 % 1,582,497 100.0 % 13.3 % Loan facilitation service fees in the third quarter of 2024 increased by 5.9% to RMB878 .3 million ( US$125 .2 million) from RMB829 .4 million in the same period of 2023, primarily due to a decrease in the expected prepayment rates this quarter compared with the same period of 2023. Post-origination service fees in the third quarter of 2024 increased by 10.7% to RMB186 .1 million ( US$26 .5 million) from RMB168 .2 million in the same period of 2023, primarily due to the cumulative effect of increased volume of loans facilitated in the previous quarters. Revenues from post-origination services are recognized on a straight-line basis over the term of the underlying loans as the services are being provided. Financing income in the third quarter of 2024 increased by 11.6% to RMB335 .8 million ( US$47 .8 million) from RMB301 .0 million in the same period of 2023, primarily due to an increase in average loan receivables held by the Company compared with the same period of 2023. Guarantee income in the third quarter of 2024 was RMB53.6 million ( US$7.6 million ), compared with RMB7.9 million in the same period of 2023, due to the cumulative effect of increased volume of loans facilitated covered by guarantee service in the previous quarters compared with the same period of 2023. Revenues from guarantee service are recognized systematically when the Company released from the underlying risk. Other revenue in the third quarter of 2024 increased by 42.4% to RMB128.8 million ( US$18.3 million ), compared with RMB90.4 million in the same period of 2023, primarily due to an increase in referral service fee for introducing borrowers to other platforms. Origination and servicing expenses in the third quarter of 2024 increased by 13.6% to RMB457 .5 million ( US$65 .2 million) from RMB402 .9 million in the same period of 2023, primarily due to the increase in collection expenses resulting from the cumulative effect of increased volume of loans facilitated and originated in the previous quarters compared with the same period of 2023. Borrower acquisitions and marketing expenses in the third quarter of 2024 increased by 20.7% to RMB506 .8 million ( US$72 .2 million) from RMB419 .9 million in the same period of 2023, primarily due to intensified efforts in borrower acquisitions compared with the same period of 2023. Reversal of provision for loans receivable in the third quarter of 2024 was RMB35 thousand ( US$5 thousand ), compared with provision for loans receivable of RMB53.9 million in the same period of 2023, primarily due to a decrease in the average estimated default rate compared with the same period of 2023, and partially offset by an increase in loans receivable held by the Company as a result of the cumulative effect of increased volume of loans facilitated and originated in the previous quarters compared with the same period of 2023. Provision for contingent guarantee liabilities in the third quarter of 2024 was RMB56.4 million ( US$8.0 million ), compared with RMB41.6 million in the same period of 2023, primarily due to an increase in guarantee liabilities held by the Company as a result of the increased volume of loans facilitated covered by the guarantee service this quarter compared with the same period of 2023. Income from operations in the third quarter of 2024 was RMB509 .0 million ( US$72 .5 million), compared with RMB435 .0 million in the same period of 2023. Income before income taxes and gain from equity in affiliates in the third quarter of 2024 was RMB473 .5 million ( US$67 .5 million), compared with RMB417 .5 million in the same period of 2023. Income tax expense in the third quarter of 2024 was RMB100.3 million ( US$14.3 million ), compared with RMB74.2 million in the same period of 2023. Net income in the third quarter of 2024 was RMB375 .8 million ( US$53 .6 million), compared with RMB347 .2 million in the same period of 2023. Non-GAAP adjusted net income in the third quarter of 2024 was RMB433.6 million ( US$61.8 million ), compared with RMB374.5 million in the same period of 2023. Net income per basic and diluted ADS in the third quarter of 2024 was RMB7 .86 (US$1.12), and RMB7 .74 (US$1.10), compared with RMB7 .26 and RMB7.02 , respectively, in the same period of 2023. Non-GAAP adjusted net income per basic and diluted ADS in the third quarter of 2024 was RMB9 .12 (US$1.30), and RMB8 .88 (US$1.27), compared with RMB7 .80 and RMB7 .56 respectively, in the same period of 2023. Cash and cash equivalents was RMB1,044 .1 million ( US$148 .8 million) as of September 30, 2024 , compared with RMB1,612.2 million as of June 30, 2024 . Recent Development Share Repurchase Plans On September 4, 2024 , the Company further extended the period of the US$30 million share repurchase program until March 31, 2026 . In the third quarter of 2024, the Company repurchased an aggregate of 1,689,722 Class A ordinary shares with 10,038 Class A ordinary shares represented by ADSs for a total consideration of approximately US$1.3 million . The Company has approximately US$4.1 million remaining for potential repurchases under its US$30 million share repurchase plan. As previously disclosed, on May 30, 2024 , the Company announced that its board of directors authorized a new US$20 million share repurchase plan, effective through November 30, 2025 . The Company completed a tender offer in July 2024 under the new share repurchase program, with a total repurchase amount of approximately US$9.2 million . The Company has approximately US$10.8 million remaining under its US$20 million plan. Business Outlook The Company expects the total loan amount facilitated and originated for the fourth quarter of 2024 to be between RMB30.0 billion and RMB31.0 billion . The total loan amount facilitated and originated for 2024 is expected to be between RMB102.6 billion and RMB103.6 billion . This forecast reflects the Company's current and preliminary views, which are subject to changes. Conference Call X Financial's management team will host an earnings conference call at 7:00 AM U.S. Eastern Time on November 27, 2024 ( 8:00 PM Beijing / Hong Kong Time on November 27, 2024 ). Dial-in details for the earnings conference call are as follows: United States: 1-888-346-8982 Hong Kong: 852-301-84992 Mainland China: 4001-201203 International: 1-412-902-4272 Passcode: X Financial Please dial in ten minutes before the call is scheduled to begin and provide the passcode to join the call. A replay of the conference call may be accessed by phone at the following numbers until December 4, 2024 : United States: 1-877-344-7529 International: 1-412-317-0088 Passcode: 3088426 Additionally, a live and archived webcast of the conference call will be available at http://ir.xiaoyinggroup.com . About X Financial X Financial XYF (the "Company") is a leading online personal finance company in China . The Company is committed to connecting borrowers on its platform with its institutional funding partners. With its proprietary big data-driven technology, the Company has established strategic partnerships with financial institutions across multiple areas of its business operations, enabling it to facilitate and originate loans to prime borrowers under a risk assessment and control system. For more information, please visit: http://ir.xiaoyinggroup.com . Use of Non-GAAP Financial Measures Statement In evaluating our business, we consider and use non-GAAP measures as supplemental measures to review and assess our operating performance. We present the non-GAAP financial measures because they are used by our management to evaluate our operating performance and formulate business plans. We believe that the use of the non-GAAP financial measures facilitates investors' assessment of our operating performance and help investors to identify underlying trends in our business that could otherwise be distorted by the effect of certain income or expenses that we include in income (loss) from operations and net income (loss). We also believe that the non-GAAP measures provide useful information about our core operating results, enhance the overall understanding of our past performance and future prospects and allow for greater visibility with respect to key metrics used by our management in its financial and operational decision-making. We use in this press release the following non-GAAP financial measures: (i) adjusted net income (loss), (ii) adjusted net income (loss) per basic ADS, (iii) adjusted net income (loss) per diluted ADS, (iv) adjusted net income per basic share, and (v) adjusted net income per diluted share, each of which excludes share-based compensation expense, impairment losses on financial investments, income (loss) from financial investments and impairment losses on long-term investments. These non-GAAP financial measures have limitations as analytical tools, and when assessing our operating performance, investors should not consider them in isolation, or as a substitute for the financial information prepared and presented in accordance with U.S. GAAP. We mitigate these limitations by reconciling the non-GAAP financial measures to the most directly comparable U.S. GAAP financial measures, which should be considered when evaluating our performance. We encourage you to review our financial information in its entirety and not rely on a single financial measure. For more information on these non-GAAP financial measures, please see the table captioned "Reconciliations of GAAP and Non-GAAP results" set forth at the end of this press release. Exchange Rate Information This announcement contains translations of certain RMB amounts into U.S. dollars at specified rates solely for the convenience of the reader. Unless otherwise noted, all translations from RMB to U.S. dollars are made at a rate of RMB 7.0176 to US$1.00 , the exchange rate set forth in the H.10 statistical release of the Board of Governors of the Federal Reserve System as of September 30, 2024 . Disclaimer Safe Harbor Statement This announcement contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements are made under the "safe harbor" provisions of the U.S. Private Securities Litigation Reform Act of 1995. These statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "potential," "continue," "ongoing," "targets," "guidance" and similar statements. The Company may also make written or oral forward-looking statements in its periodic reports to the U.S. Securities and Exchange Commission (the "SEC"), in its annual report to shareholders, in press releases and other written materials and in oral statements made by its officers, directors or employees to third parties. Any statements that are not historical facts, including statements about the Company's beliefs and expectations, are forward-looking statements that involve factors, risks and uncertainties that could cause actual results to differ materially from those in the forward-looking statements. Such factors and risks include, but not limited to the followings: the Company's goals and strategies; its future business development, financial condition and results of operations; the expected growth of the credit industry, and marketplace lending in particular, in China ; the demand for and market acceptance of its marketplace's products and services; its ability to attract and retain borrowers and investors on its marketplace; its relationships with its strategic cooperation partners; competition in its industry; and relevant government policies and regulations relating to the corporate structure, business and industry. Further information regarding these and other risks, uncertainties or factors is included in the Company's filings with the SEC. All information provided in this announcement is current as of the date of this announcement, and the Company does not undertake any obligation to update such information, except as required under applicable law. Use of Projections This announcement also contains certain financial forecasts (or guidance) with respect to the Company's projected financial results. The Company's independent auditors have not audited, reviewed, compiled or performed any procedures with respect to the projections or guidance for the purpose of their inclusion in this announcement, and accordingly, they did not express an opinion or provide any other form assurance with respect thereto for the purpose of this announcement. This guidance should not be relied upon as being necessarily indicative of future results. The assumptions and estimates underlying the prospective financial information are inherently uncertain and are subject to a wide variety of significant business, economic and competitive risks and uncertainties that could actual results to differ materially from those contained in the prospective financial information. Accordingly, there can be no assurance that the prospective results are indicative of the future performance of the Company, or that actual results will not differ materially from those set forth in the prospective financial information. Inclusion of the prospective financial information in this announcement should not be regarded as a representation by any person that the results contained in the prospective financial information will actually be achieved. You should review this information together with the Company's historical information. For more information, please contact: X Financial Mr. Frank Fuya Zheng E-mail: ir@xiaoying.com Christensen IR In China Mr. Rene Vanguestaine Phone: +86-178-1749 0483 E-mail: rene.vanguestaine@christensencomms.com In US Ms. Linda Bergkamp Phone: +1-480-614-3004 Email: linda.bergkamp@christensencomms.com X Financial Unaudited Condensed Consolidated Balance Sheets (In thousands, except for share and per share data) As of December 31, 2023 As of September 30, 2024 As of September 30, 2024 RMB RMB USD ASSETS Cash and cash equivalents 1,195,352 1,044,144 148,789 Restricted cash, net 749,070 489,372 69,735 Accounts receivable and contract assets, net 1,659,588 1,709,428 243,592 Loans receivable from Credit Loans and other loans, net 4,947,833 4,938,195 703,687 Deposits to institutional cooperators, net 1,702,472 1,739,539 247,882 Prepaid expenses and other current assets, net 48,767 40,824 5,817 Deferred tax assets, net 135,958 192,644 27,452 Long term investments 493,411 491,782 70,078 Property and equipment, net 8,642 11,566 1,648 Intangible assets, net 36,810 36,236 5,164 Loan receivable from Housing Loans, net 8,657 6,494 925 Financial investments 608,198 866,804 123,519 Other non-current assets 55,265 53,259 7,589 TOTAL ASSETS 11,650,023 11,620,287 1,655,877 LIABILITIES Payable to investors and institutional funding partners at amortized cost 3,584,041 2,406,552 342,931 Guarantee liabilities 61,907 102,638 14,626 Deferred guarantee income 46,597 106,054 15,113 Short-term borrowings 565,000 433,500 61,773 Accrued payroll and welfare 86,771 93,047 13,259 Other tax payable 289,819 292,939 41,743 Income tax payable 446,500 496,489 70,749 Accrued expenses and other current liabilities 595,427 732,591 104,394 Dividend payable 59,226 - - Other non-current liabilities 37,571 30,915 4,405 Deferred tax liabilities 30,040 29,003 4,133 TOTAL LIABILITIES 5,802,899 4,723,728 673,126 Commitments and Contingencies Equity: Common shares 207 207 29 Treasury stock (111,520) (155,007) (22,088) Additional paid-in capital 3,196,942 3,194,909 455,271 Retained earnings 2,692,018 3,788,885 539,912 Other comprehensive income 69,477 67,568 9,628 Total X Financial shareholders' equity 5,847,124 6,896,562 982,752 Non-controlling interests - - - TOTAL EQUITY 5,847,124 6,896,562 982,752 TOTAL LIABILITIES AND EQUITY 11,650,023 11,620,290 1,655,878 X Financial Unaudited Condensed Consolidated Statements of Comprehensive Income Three Months Ended September 30, Nine Months Ended September 30, (In thousands, except for share and per share data) 2023 2024 2024 2023 2024 2024 RMB RMB USD RMB RMB USD Net revenues Loan facilitation service 829,385 878,282 125,154 2,125,492 2,224,681 317,015 Post-origination service 168,186 186,109 26,520 429,775 493,520 70,326 Financing income 300,950 335,765 47,846 829,645 1,021,405 145,549 Guarantee income 7,920 53,576 7,635 7,920 132,067 18,819 Other revenue 90,423 128,765 18,349 229,388 291,387 41,522 Total net revenue 1,396,864 1,582,497 225,504 3,622,220 4,163,060 593,231 Operating costs and expenses: Origination and servicing [ 1] 402,939 457,545 65,200 1,123,027 1,299,164 185,129 Borrower acquisitions and marketing [ 1] 419,887 506,758 72,212 1,023,948 1,078,768 153,723 General and administrative [ 1] 40,200 49,499 7,054 114,833 127,047 18,104 Provision for accounts receivable and contract assets 3,748 4,799 684 5,983 22,470 3,202 (Reversal of) provision for loans receivable 53,946 (35) (5) 129,772 157,370 22,425 Provision for contingent guarantee liabilities 41,594 56,366 8,032 41,594 125,635 17,903 Change in fair value of financial guarantee derivative [ 2] - - - (24,966) - - Fair value adjustments related to Consolidated Trusts [ 2] (268) - - 531 - - (Reversal of) provision for credit losses for deposits and other financial assets (194) (1,399) (199) (427) 4,049 577 Total operating costs and expenses 961,852 1,073,533 152,978 2,414,295 2,814,503 401,063 Income from operations 435,012 508,964 72,526 1,207,925 1,348,557 192,168 Interest income (expenses), net (7,322) 1,211 173 (17,778) (4,898) (698) Foreign exchange (gain) loss 1,526 4,881 696 (7,255) (3,351) (478) Income (loss) from financial investments (16,490) (47,635) (6,788) (13,911) 53,887 7,679 Other income, net 4,742 6,048 862 23,005 9,437 1,345 Income before income taxes and gain from equity in affiliates 417,468 473,469 67,469 1,191,986 1,403,632 200,016 Income tax expense (74,172) (100,331) (14,297) (213,779) (254,924) (36,326) Gain from equity in affiliates, net of tax 3,894 2,702 385 19,619 5,572 794 Net income 347,190 375,840 53,557 997,826 1,154,280 164,484 Less: net income attributable to non-controlling interests - - - - - - Net income attributable to X Financial shareholders 347,190 375,840 53,557 997,826 1,154,280 164,484 Net income 347,190 375,840 53,557 997,826 1,154,280 164,484 Other comprehensive income, net of tax of nil: Gain (loss) from equity in affiliates 4 (449) (64) 45 (418) (60) Income from financial investments - 1,580 225 - 6,100 869 Foreign currency translation adjustments (6,301) (12,778) (1,821) 13,624 (7,590) (1,082) Comprehensive income 340,893 364,193 51,897 1,011,495 1,152,372 164,211 Less: comprehensive income attributable to non-controlling interests - - - - - - Comprehensive income attributable to X Financial shareholders 340,893 364,193 51,897 1,011,495 1,152,372 164,211 Net income per share—basic 1.21 1.31 0.19 3.47 3.96 0.56 Net income per share—diluted 1.17 1.29 0.18 3.43 3.87 0.55 Net income per ADS—basic 7.26 7.86 1.12 20.82 23.76 3.39 Net income per ADS—diluted 7.02 7.74 1.10 20.58 23.22 3.31 Weighted average number of ordinary shares outstanding—basic 287,806,370 285,857,203 285,857,203 287,412,729 291,622,784 291,622,784 Weighted average number of ordinary shares outstanding—diluted 297,114,127 292,339,641 292,339,641 291,209,263 298,036,305 298,036,305 [1] Starting in the first quarter of 2024, management has concluded to separate expenses related to borrower acquisitions from origination and servicing expenses and indirect expenses of the borrower acquisitions from general and administrative expenses to a single line item as theses expenses become more and more significant and thus deemed to be useful to financial statement users. Furtherly, management has determined to embed the sales and marketing expenses, which is not considered as material, in other line item. In conclusion, management has decided to combine these two line items into one captioned borrower acquisitions and marketing expenses. Management has correspondingly conformed prior period presentation to current period presentation to enhance comparability. This change in presentation does not affect any subtotal line on the face of consolidated statements of comprehensive income. (In thousands, except for share and per share data) Three Months Ended September 30, 2023 Changes before re-grouping after re-grouping RMB RMB RMB Origination and servicing 811,078 402,939 (408,139) Borrower acquisitions and marketing expenses - 419,887 419,887 Sales and marketing 3,360 - (3,360) General and administrative 48,588 40,200 (8,388) [2] Starting in the first quarter of 2024, management has considered the facts that fair value change related to financial guarantee services and Consolidated Trusts are generated from ordinary course of businesses, and has concluded to reclass the amount to captions above total operating costs and expenses. Prior to the reclassification, management classified all amount of fair value changes to captions below total operating costs and expenses. This reclassification does not have impact on net income for any prior periods presented. X Financial Unaudited Reconciliations of GAAP and Non-GAAP Results Three Months Ended September 30, Nine Months Ended September 30, (In thousands, except for share and per share data) 2023 2024 2024 2023 2024 2024 RMB RMB USD RMB RMB USD GAAP net income 347,190 375,840 53,557 997,826 1,154,280 164,484 Less: Income (loss) from financial investments (net of tax of nil) (16,490) (47,635) (6,788) (13,911) 53,887 7,679 Less: Impairment losses on financial investments (net of tax of nil) - - - - - - Less: Impairment losses on long-term investments (net of tax) - - - - - - Add: Share-based compensation expenses (net of tax of nil) 10,827 10,150 1,446 34,178 30,096 4,289 Non-GAAP adjusted net income 374,507 433,625 61,791 1,045,915 1,130,489 161,094 Non-GAAP adjusted net income per share—basic 1.30 1.52 0.22 3.64 3.88 0.55 Non-GAAP adjusted net income per share—diluted 1.26 1.48 0.21 3.59 3.79 0.54 Non-GAAP adjusted net income per ADS—basic 7.80 9.12 1.30 21.84 23.28 3.32 Non-GAAP adjusted net income per ADS—diluted 7.56 8.88 1.27 21.54 22.74 3.24 Weighted average number of ordinary shares outstanding—basic 287,806,370 285,857,203 285,857,203 287,412,729 291,622,784 291,622,784 Weighted average number of ordinary shares outstanding—diluted 297,114,127 292,339,641 292,339,641 291,209,263 298,036,305 298,036,305 View original content: https://www.prnewswire.com/news-releases/x-financial-reports-third-quarter-2024-unaudited-financial-results-302316439.html SOURCE X Financial © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.

WINNIPEG — Kyle Walters doesn’t believe losing a third consecutive Grey Cup means the Winnipeg Blue Bombers’ roster should be blown up. The CFL club’s general manager told reporters at his year-end availability Tuesday that reaching a fifth straight championship game by overcoming lots of injuries was a big accomplishment. Even before Winnipeg’s recent 41-24 Grey Cup loss to the Toronto Argonauts, Walters said he was looking forward to next season. “I was excited for next year based on what I'm looking at, compared to years past, where we've got more young guys that have contributed that are under contract," he said. "We've got more young players in the building. So, the idea of, ‘This is the end of the road. The team is in a free-for-all downward,’ I don’t think is accurate. "We have a good group of guys and we were in a one-point (Grey Cup) game with 10 minutes left ... before things went downhill.” The Blue Bombers started the season 0-4, moved to 2-6 and finished 11-7 to claim the West Division title. Star receiver Dalton Schoen, veteran linebacker Adam Bighill and backup quarterback Chris Streveler all suffered season-ending injuries and are pending free agents. Negotiating with the team’s 27 unsigned players could be impacted by moves across the league among coaches, personnel staff and players such as quarterbacks, Walters said. The Bombers have given permission for offensive coordinator Buck Pierce to speak to the B.C. Lions and Edmonton Elks about those teams’ vacant head-coaching jobs, he said. Walters also revealed the Ottawa Redblacks were given the go-ahead to talk to Richie Hall about their defensive coordinator vacancy. Hall was a Winnipeg defensive assistant this season after Jordan Younger took over from him as defensive coordinator. Walters said the Bombers received permission to speak to Lions offensive coordinator Jordan Maksymic in case Pierce leaves. The Hamilton Tiger-Cats have already been given the OK to talk to Winnipeg assistant general managers Danny McManus and Ted Goveia about the Ticats’ GM opening. “You're hesitant to have too much conversation with people who may not be in the organization next year, so it's just been me and (head coach) Mike (O’Shea) in this moment huddled together and talking about next year,” Walters said. He said an NFL team had asked Tuesday morning to work out one Blue Bomber, but he didn’t reveal the player’s name in case he wasn’t aware of the request yet. The Blue Bombers won the Grey Cup in 2019 and ’21, but lost 28-24 to the Montreal Alouettes last year and 24-23 to Toronto in 2022. Winnipeg re-signed placekicker Sergio Castillo last week. Walters said he’d like to have deals done with three or four main players before the end of the year. The team has some up-and-coming young players inked for next year, and injuries gave others valuable experience on both sides of the ball, Walters said. Receivers such as rookie Ontaria Wilson (1,026 yards receiving in 18 games) and Keric Wheatfall (273 yards in seven games) are signed through next season. “The experience that they got was invaluable,” Walters said. Re-signing players who missed time because of injuries can get tricky. “Organizationally, can we approach (their agents) and say, 'Well, your guy was hurt, he should come back for less money?’” Walters said. “Generally, they don't view it like that. They view that they'll be back 100 per cent.” One question mark is the backup to starting quarterback Zach Collaros, who suffered a deep cut to the index finger of his throwing hand late in the third quarter of the Grey Cup. Collaros got five stitches and numbing agent applied to his finger. He returned with a bandage on it, but admitted he had a hard time gripping the ball. “We'll have to find out who our offensive coordinator is first,” Walters said when asked who might be Collaros’s backup. Terry Wilson, who briefly replaced Collaros in the Grey Cup, and Jake Dolegala are signed for next year. This report by The Canadian Press was first published Nov. 26, 2024. Judy Owen, The Canadian Press

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