The loan products offered through our FinTech arrangements are not low-cost loans— and we realize a high-interest loan product may not be an ideal or cost-effective way for some consumers to borrow money to cover immediate or even catastrophic expenses.  However, there is an unquestionably strong demand for these types of loans, and because of the regulatory oversight to which we are subject, a loan through a bank-FinTech relationship at a lower interest rate is a far better alternative for the consumer than a payday loan or other credit product from a higher cost, less regulated lender. Nevertheless, because these borrowers often have non-prime credit scores, these loans come with substantially increased risk and therefore often higher cost to CCBank. The interest rates offered on these loans are commensurate with the risk and cost to our community bank.