NEOS is well positioned to become a force in the transforming business loan industry as it enjoys a meaningful early-mover advantage and a three-year track record. Importantly, NEOS has been designed to scale. Our underwriting processes are fundamentally sound, and our technology partners are standard-setting in their respective competency fields. Through our journey and by enabling the future winners, we move towards a more innovative and sustainable ecosystem. Fast, transparent and above all, respectfully.