SymCredit provides consumer and business loans, mainly in the Czech Republic and Poland. Borrowers in our region face the problem that banks have tightened their lending requirements, leaving many good borrowers underserved. Second, banks charge high interest rates or add on high fees and charges. SymCredit solves these problems by opening up a new lending platform with innovative lending products with more flexible terms and conditions than banks can offer. On the investor side, there is a lack of high quality investment product in our markets that is higher yielding than savings accounts and less risky than securities markets. We solve that problem by providing a relatively safe, high yielding investment product.