New Zealand consumers are increasingly turning to online and mobile solutions to fulfil their personal finance needs. This growth mirrors their preference for online and mobile financial products that are more convenient and easier to access than products provided by main stream credit providers. Save My Bacon Ltd (“SMB”) was formed in September 2009 and launched in January 2010. The company’s mission is to provide the New Zealand consumer with a number of simple, transparent products at a fair rate. Our people are recognised as a fundamental asset and significant driver for our future success. SMB views Intellectual capital as critical to providing innovative solutions and having a positive economic impact. SMB is fortunate to have attracted a level of talent that places it at a competitive advantage. We are committed to our people and maintain a high expectation of excellence. We are problem solvers and believe that challenges can become opportunities. In this regard, the company is well positioned to enter its next phase of growth. Looking forward, we believe SMB is in a unique position to stimulate new areas of demand by leveraging the data we collect to deliver a more personalised experience, while developing an upgraded version of existing product and launching additional products to expand into new categories. SMB will continue to capitalise on its digital disruption strategy in the consumer finance sector, this being a key component of our long-term strategy. Growth comes with challenges, as does competition and an ever-increasingly complex regulatory environment. We have listened to our customers who have surfaced use cases that have helped formulate the future and the foundation of SMB’s Product Market Fit.