The Chams Group has four subsidiaries: ChamsSwitch, ChamsMobile, Card Centre and Chams Access, of which both the former are Fintech subsidiaries. ChamsSwitch focuses primarily on remittances, card payment processing and financial services, whilst ChamsMobile provides Mobile money accounts supported with a country-wide financial services agent infrastructure. Chams Access manages a range of equipment supply and innovative digital solutions, whilst Card Centre personalizes cards and other products, primarily for banks. We expect significant growth and value for shareholders through our subsidiaries, and particularly from our Fintech companies. Chams has also invested in initiatives in the education and logistics sectors