Our Retail Banking business will be an online cryptocurrency retail bank. Our initial focus is to be an online-only, cryptocurrency-only bank, in the markets that license us to do so. It will be available at bank.mbafakhro.com or by downloading the MBA Fakhro app. The initial focus is on developing a platform to buy and sell cryptocurrencies, with a plan to add on a mobile wallet during the first phase. In the second phase we will allow peer to peer payments of cryptocurrency and will also position MBA Fakhro as a payment processor for online and offline transactions using cryptocurrencies. The third phase will include acceptance of deposits of cryptocurrencies and the issuance of loans in cryptocurrencies. Interest on deposits and loans will be paid in MBA Fakhro Coin, although we will accept deposits and give out loans in a variety of cryptocurrencies.