Our business model allows bank partners to save all loan marketing and origination costs, increasing projected return even further. Our multiple platforms allow our investors to purchase loans on a passive or active basis, in bulk or as individual loans, and as whole loans or in the near future in security form. This provides flexibility to accommodate and meet our partner’s needs. In addition, as a U.S. national bank, our bank partners can comfortably rely on the fact that we are also directly regulated by the OCC and Federal Reserve Board; creating an additional level of comfort with how our loans are originated and serviced. Lastly, we are able to serve banks of all sizes, from those wishing to purchase a small amount of loans to several hundreds of millions every month.