Our user versatile and user friendly technology platform differentiates us in the market place, while our technology team is consistently staying abreast with increasing trends in the market place. Technology has played a significant role in the money transfer business, and will continue in the near and medium to term determine competitive positions of various players. Money Systems predicts an increase in the use of mobile telephones and SMS in the origination and termination of money transfer transactions. We are well placed to respond to the changing marketplace.