ADF is a rapidly growing participant in a large and expanding market for loans to less-than-prime borrowers for whom we provide a superior product. ADF uses a proprietary methodology and advanced data science to make a more accurate assessment of a borrower's true creditworthiness. ADF's inaugural brand, Personify Financial, extends credit at responsible, risk-appropriate rates with a product that is fair, transparent, and easy to understand. We've developed a new loan underwriting system unlike any other. Our system analyzes a more diverse data set by applying the most advanced data science. This enables us to make more accurate assessments of risk. What's even more impressive is that our system learns. The more loans it makes, the more precise it gets. That precision translates into lower risk and greater returns.