We are actively pursuing our goal of obtaining certification from the U.S. Department of the Treasury to operate as a certified “Community Development Financial Institution,” the first step for which is the formation and capitalization of our Company in connection with this offering. We intend to lend money directly to qualified borrowers under the criteria required for Community Development Financial Institutions, using the debt capital we raise from investors and the capital contributed by our founders. The Company’s revenues used to repay noteholders who purchase Notes in this offering (and to fund our costs of operation) will be generated from the Company’s profit on the difference between the interest we charge our borrowers and the interest we will pay to noteholders who purchase Notes in this offering. To the extent that we also may obtain additional funding through a senior credit facility from a commercial lender, the cost of that funding will be an expense of the Company that would be senior in right of payment to the noteholders who purchase Notes in this offering.