[AndyYSCISOdept]

Every branch operates autonomously -- we choose our preferred lenders, whether we prefer to sell retail or wholesale, select our own marketing methods, etc. It's basically a group of 17 separate ISO's all under the same umbrella. We are offered advice and guidance, but not forced to run our business a certain way.

So would it be correct in assuming that a big challenge is quality control amongst the branches? And is there any type of oversight for quality control?