CSC provides loan origination and portfolio management services in select lending verticals. We are currently originating loans in the health care market as Health Credit Services (hcsloans.com), and actively expanding our sales channel and bank partnerships. We partner with merchants, sales channels and brokers that source loan volume, and with banks, credit unions and balance sheets that own the loan assets. We have the tools and expertise to help analyze and optimize the underwriting, performance and profitability of the lending verticals we support. In addition, we can provide full P&L management and servicing for institutions preferring to outsource those functions to us. The core of our system is a proven, world-class loan originations platform that handles application processing, instant credit checks, scorecard, pricing and underwriter management functionality. We have a merchant facing portal solution and robust consumer application process, and the ability to book and route loans based on our lenders’ criteria. The consumer experience is a one-step application process that matches credit requests to multiple lenders to maximize approval rates and product acceptance across a wide risk profile. We're a seasoned financial services team that has been in secured and unsecured lending, payments, rewards and cobrand programs since 1990. We are seasoned executives with deep market relationships, robust operations knowledge and the proven ability to manage loan origination practices and optimize the profitability of lending portfolios. We have a collective market experience of over 80 years, and have held senior leadership positions at international institutions such as Bank of America, Bear Stearns, Capital One, Alliance Data Systems, MBNA, Ernst & Young and others.