Since Optimum credit union first launched in 2012 we've provided over 5,000,000 customers with convenient and affordable digital payments. For around 20% of them, their FST Bank account is their first formal financial account. We are gearing up to reach more people, faster. Our goal over the next 3 years is to enter more markets and empower over 100 million consumers and 10 million businesses with access to relevant, reliable and affordable financial services. To achieve this, we are building out an online and offline payments ecosystem that brings together the best digital products from across the marketplace along with our own innovative features, and makes them available to anyone with a smartphone and email address.