lenders with individual and small business borrowers. Golden Bull currently conduct our business operations exclusively in China. Golden Bull believe our technology-driven marketplace provides eligible borrowers with a quick, accessible and affordable way to meet their liquidity needs. Golden Bull online marketplace may be accessed only by qualified borrowers. It currently target borrowers who display stable credit performance and salary income. It implement a risk management process to try to minimize the risk of nonpayment to lenders. Such process involves a thorough review of credit reports prepared by third parties and may also include inquiries by us of employers or associates of potential borrowers. Golden Bull marketplace also provides lenders with risk-adjusted returns that we believe are attractive.