We are a consumer finance company operating in the Caribbean and Panama. We offer unsecured personal loans and related credit insurance products to individuals who may have limited access to consumer credit from banks and other traditional lenders or who prefer to transact with us due to our service, flexible terms and convenience. Our business, which was established in the Netherlands Antilles in 1979, currently provides credit to more than 120,000 active accounts through our network of over 80 locations. We operate under our well-established brands ‘‘Corporación El Sol’’ in Panama and ‘‘Island Finance’’ in Curaçao, Trinidad & Tobago, Aruba, St. Maarten and Bonaire and ‘‘CommoLoCo’’ brand in Puerto Rico.