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i will start yes yes so now we are live uh hello everyone and welcome to our webinar thank you everyone for joining uh uh my name is im regional director for the central eastern europe at the sme banking club and i will be host today and today we decided to discuss the topic of sme customers liquidity management and actually deposit products for smes and im glad to be joined i would like to present lisa schmidt head of business clients at ryzen which is a fintech deposit marketplace for retail and business customers based in germany hello lisa and thank you very much for joining hi elena so before we switch to the topic let me shortly mention some organizational moments so our webinar is scheduled for half an hour we are recording this webinar so right after we finish you will receive a link to the video and in the end of the webinar we gonna have time for questions so please type your questions into the chat so lets now go to the topic its actually an interesting topic today as we