Star World is a new retail concept focused on providing goods and services specifically tailored to the exponentially growing U.S. Hispanic market. We will offer financial services to under-banked consumers who cannot easily access them, regardless of immigration status or lack of credit history, and embrace the opportunity presented by the unprecedented recent changes in the retail landscape. Evolving consumer behaviors and expectations, floods of new players relentlessly driving up competition, and rapid technological advancements are dramatically reshaping the industry faster than some retailers can react to, requiring uncomfortable restructuring and operational modifications.