Banks or Fintechs Who will be shaping the future of the financial industry? Front office risk teams, on the other hand, engage in revenue-generating activities involving debt structuring, restructuring, syndicated loans, and securitization for clients such as corporates, governments, and hedge funds. Limited liability company domiciled in Frankfurt am Main. An investment in mutual funds/ETFs is associated with risks, for a presentation of the risks related to investments in these funds, please refer to respective Funds/ETFs Fact Sheet and/or Key Investor Information Document (KIIDs) and/or fund Prospectus. Only those types of banknote handling machine that have passed a test at a national central bank (NCB) Users of banknote handling machines are invited to contact the manufacturers to check whether their machines will be compatible with the second series of banknotes. Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Registered in the register of companies for England & Wales under number 338230 and having its registered office at Winchester House, 1 Great Winchester Street, London EC2N 2DB. How can companies and decision-makers reset for growth beyond corona virus? The Peoples Bank of China (PBOC), the central bank, and e-CNY operating institutions have conducted large scale e-CNY pilot programs in multiple cities over the past few months. Many investment banks also own retail brokerages. Hotnigerianjobs.com publishes Nigeria Jobs in Oil & Gas, Banking & Finance, Telecom & ICT, Engineering, Agriculture, Manufacturing, Hospitality, In 2015, he was appointed Treasurer of Citigroup. Ninety years of Jim Crow. The data are published with the following health warning: The data are intended for comparisons of trends over time; they are unsuitable for comparisons of the level of average annual hours of work for a given year, because of differences in their sources and method of calculation. Note here that the FRTB framework has underscored the distinction between the "Trading book" and the "Banking book" With MiFID II requiring sell-side research teams in banks to charge for research, the business model for research is increasingly becoming revenue-generating. Deutsche Bank AG has issued comprehensive Personal Data and Information Security Policies and Procedures in accordance with German laws and regulations which meet the Norwegian PDA. He was a member of Deutsche Banks Supervisory Board from August 2016 until July 31, 2019 and was Chairman of its Integrity Committee. Deutsche Bank branches operate within the EEA on the back of the legal entity (Deutsche Bank AG) EU Passports within the European Economic Area (EEA). The entire financial services industry, including numerous investment banks, was bailed out by government taxpayer funded loans through the Troubled Asset Relief Program (TARP). Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the United Kingdom for a limited period while seeking full authorization, are available from the Financial Conduct Authoritys website. Bernd Leukert studied Industrial Engineering and Management at the University of Karlsruhe and at Trinity College Dublin, graduating in 1994 with a Masters Degree in Business Administration. Many large commercial banks have therefore developed investment banking divisions through acquisitions and hiring. Born: 1970Nationality: GermanFirst appointed: 2015. Password confirm. Thirdly, no interest can be paid on e-CNY. Continuous Flow Centrifuge Market Size, Share, 2022 Movements By Key Findings, Covid-19 Impact Analysis, Progression Status, Revenue Expectation To 2028 Research Report - 1 min ago Deutsche Bank AG is authorized under German Banking Law (ID:100003, competent authority: BaFin Federal Financial Supervisory Authority). Actual hours worked include regular work hours of full-time, part-time and part-year workers, paid and unpaid overtime, hours worked in additional jobs, and exclude time not worked because of public holidays, annual paid leave, own illness, injury and temporary disability, maternity leave, parental leave, schooling or training, slack work for technical or economic reasons, strike or labour dispute, bad weather, compensation leave and other reasons. Post-tax return on tangible equity (RoTE) 1 of 7.9%, up from 5.5% in the second quarter of 2021 Cost/income ratio of 73%, down from 80% in the prior year quarter He also holds a PhD in Economics from the University of Chicago. He started his career at Credit Suisse First Boston in London in 1992. The e-CNY, or digital yuan, is a centralized, cash-like digital currency that is expected to be primarily used for retail payments in China. He is a lawyer and tax consultant and between 1997 and 2016 worked at law firm Flick Gocke Schaumburg, where he became a partner in 2002. Unless DBS is entering into a separate and explicit contractual relationship with you for the provision of investment services is neither obliged to categorise you in accordance to MiFID nor perform MiFID Suitability and/or Appropriateness assessment (as enacted into Swedish laws and regulations). Organisation for Economic Co-operation and Development (OECD), Source: Since investment banks engage heavily in trading for their own account, there is always the temptation for them to engage in some form of front runningthe illegal practice whereby a broker executes orders for their own account before filling orders previously submitted by their customers, thereby benefiting from any changes in prices induced by those orders. The first, longer-term goal, is to create a digital currency that can compete with other digital currencies such as bitcoins, stablecoins, and other central banks digital currencies (CBDC), while ensuring that the renminbi continues to be the dominant currency in China. Born: 1973Nationality: British, ItalianFirst appointed: 2019. For setting up MFA or migrating to MFA, please follow the instructions mentioned in the Azure MFA Migration.pdf. From 2013 to 2015 he was Global Chief Operating Officer, Regional Management. There are various trade associations throughout the world which represent the industry in lobbying, facilitate industry standards, and publish statistics. Contact our support team. Secondly, the digital wallets that hold e-CNY will not be considered bank accounts. The International Council of Securities Associations (ICSA) is a global group of trade associations. Personal data is handled in accordance with the Swedish Personal Data Act (1998:204, the PDA) and applicable ordinances, regulations and guidelines. See under trading desk. [49] The case is ongoing, and the allegations remain unproven. Alexander von zur Mhlen holds a Diploma in Business Administration from the Berlin School of Economics and Law. Below are lists of the top 10 contributors to committees that have raised at least $1,000,000 and are primarily formed to support or oppose a state ballot measure or a candidate for state office in the November 2022 general election. He joined Deutsche Bank in 1989. Deutsche Bank AG, London Branch is listed as a member firm of the London Stock Exchange. Our service expert team will help you with your queries. With effect from 1st January 2021, the Bank will no longer carry on banking and investment services in the United Kingdom under its European Passport. Karl von Rohr studied law at the universities of Bonn (Germany), Kiel (Germany) and Lausanne (Switzerland) and at Cornell University (USA). As an industry, it is broken up into the Bulge Bracket (upper tier), Middle Market (mid-level businesses), and boutique market (specialized businesses). As far back as 1960, 70% of Merrill Lynch's revenue was derived from transaction commissions while "traditional investment banking" services accounted for 5%. All investment banking activity is classed as either "sell side" or "buy side". Use this code to embed the visualisation into your website. International Financial Services London. During the 1990s, some retail brokerages sold consumers securities which did not meet their stated risk profile. There is a potential conflict of interest between the investment bank and its analysis, in that published analysis can impact the performance of a security (in the secondary markets or an initial public offering) or influence the relationship between the banker and its corporate clients, and vice versa regarding material non-public information (MNPI), thereby affecting the bank's profitability.[15]. In case your concern is not resolved, you can contact our Nodal Grievance Redressal Officer. Many banks have outsourced operations. An advisor who provides investment banking services in the United States must be a licensed broker-dealer and subject to U.S. Securities and Exchange Commission (SEC) and Financial Industry Regulatory Authority (FINRA) regulation. Electronic communication is for information purposes only and is not intended to be an offer or an advice or recommendation or solicitation, or the basis for any contract to purchase or sell any security, or other instrument, or for DBS to enter into or arrange any type of transaction as a consequence of any information contained herein. You can call us on: For queries related to loans, credit cards or in case of any general enquiries, Our customer service experts are here for you. The "Market Risk Team" provides services to investors via derivative solutions, portfolio management, portfolio consulting, and risk advisory. Campellipreviously spent four years as the Global Head of Deutsche Bank Wealth Management. [40] Formerly, the guidelines said that in order to take a company public, it had to be in business for a minimum of five years and it had to show profitability for three consecutive years. At the bottom tier are merchants, corporates and consumers. Without limitation, documents and any attachment proposed electronically do not constitute an offer or a recommendation to enter into any transaction with DBS. Depositions in the lawsuit alleged that clients willingly complied with these demands because they understood it was necessary in order to participate in future hot issues. New York - Head Office. Chinas answer to the cryptocurrency challenge, the e-CNY central bank digital currency, is set for rapid take-off on its expected launch in 2022. Learn more here. Unlike commercial banks and retail banks, investment banks do not take deposits. U74900HR2011PTC044581 Copyright 2014-2022 Paisabazaar.com. Familieberichten Apps De Telegraaf Webshop De Prijsvergelijker Mediahuis Nederland sites Nieuwsbrieven Archief Tags. He is a veteran in the Banking industry with 40 years of experience. Find Cheap Flights with easyJet Over the last 25 years easyJet has become Europes leading short-haul airline, revolutionising European air travel by allowing passengers to book cheap flights across Europes top flight routes, connecting more than 30 countries and over 100 cities.Were not only committed to providing low-cost flight tickets, but also providing a great service to and While large service investment banks offer all lines of business, both "sell side" and "buy side", smaller sell-side investment firms such as boutique investment banks and small broker-dealers focus on investment banking and sales/trading/research, respectively. The origin of modern policing can be traced back to 18th century France.By the 19th and early 20th centuries, many nations had established modern police departments.Early records suggest that labor strikes were the first large-scale incidents of police brutality in the United States, including events like the Great Railroad Strike of 1877, the Pullman Strike of 1894, the Christiana joined Deutsche Bank in 2006 where she was most recently Chief Financial Officer of the Corporate & Investment Bank. The Management Board has, as its prime responsibility, the group's strategic management, resource allocation, financial accounting and reporting, risk management, and corporate control. The necessity for numerical ability in sales and trading has created jobs for physics, computer science, mathematics, and engineering PhDs who act as "front office" quantitative analysts. Renowned as one of top bankers in the country, Subramaniakumar has immense depth of knowledge in domains of business transformation, banking technology, risk management, innovation, NBFC management, business process re and market risk capital requirements will differ accordingly. Product coverage groups focus on financial productssuch as mergers and acquisitions, leveraged finance, public finance, asset finance and leasing, structured finance, restructuring, equity, and debt issuance. Customer service and contact center. You should also consider seeking advice from your own advisers in making this assessment. Philip Augar, author of The Greed Merchants, said in an interview that, "You cannot simultaneously serve the interest of issuer clients and investing clients. The company is the world's leading enterprise resource planning (ERP) software vendor. Investment banks typically have sell-side analysts which cover various industries. Here "Credit Risk Solutions", are a key part of capital market transactions, involving debt structuring, exit financing, loan amendment, project finance, leveraged buy-outs, and sometimes portfolio hedging. Alexander von zur Mhlen became a member of the Management Board on August 1, 2020. Initially, banks received part of a $700 billion TARP intended to stabilize the economy and thaw the frozen credit markets. And its not just underwriting and sales; investment banks run proprietary trading operations that are also making a profit out of these securities."[46]. He has worked in Frankfurt, London, Singapore, Tokyo and Toronto. :+39 02 4024 1 Telegraphic address: CENTMERIT Milanhttps://www.db.com/italyS.W.I.F.T. Easy website maker. Therefore, investment bankers play a very important role in issuing new security offerings. Markets is divided into "sales and trading" (including "structuring"), and "research". The PBOC's pilot programs so far require only a mobile phone number to have a e-CNY wallet. It allows greater anonymity and includes better personal information protection, yet still keeps sufficient records for tracing illegal activities such as money laundering and tax evasion. [35] Eventually, taxpayer assistance to banks reached nearly $13 trillionmost without much scrutiny[36] lending did not increase,[37] and credit markets remained frozen. However, critics say such a barrier does not always exist in practice. All Rights Reserved. Raising capital via the issuance of other forms of equity, debt. What does that mean? [7], Front office is generally described as a revenue-generating role. [43][44] Similarly, Morgan Stanley received $10 billion in TARP funds and paid out $4.475 billion in bonuses. - i.e. Deutsche Bank has issued comprehensive Personal Data and Information Security Policies and Procedures in accordance with German laws and regulations which meet the Swedish PDA. Thirdly, no interest can be paid on e-CNY. Contact Paisabazaar Customer Care Number - 1800 208 8877 for Cards, Loans, Mutual Funds related queries. He is the Chief Financial Officer. Conflicts of interest may arise between different parts of a bank, creating the potential for market manipulation, according to critics. Born: 1965Nationality: GermanFirst appointed: 2015. The ECB and the BaFin have extensive supervisory and investigatory powers with regard to the Bank, including the ability to request information and conduct investigations. The investments or services mentioned in this email or an attachment thereto may not be appropriate for all investors and before entering into a transaction you should take steps to ensure that you fully understand the transaction and have made an independent assessment of the appropriateness of the transaction in the light of your own objectives and circumstances, including the possible risks and benefits of entering into such transaction. The "sell side" involves trading securities for cash or for other securities (e.g. After deregulation, those standards were gone, but small investors did not grasp the full impact of the change. Will greater investment in water resources make for a more sustainable future? Deutsche Bank National Trust Company Contact Phone Number is : 213-620-8201. and Address is 300, South Grand Avenue, 41st Floor, Los Angeles, CA 90071, United States. Under the requirements of the Remuneration Part of the Prudential Regulation Authoritys (PRA) Rulebook and SYSC 19D of the Financial Conduct Authoritys (FCA) Handbook (UK Remuneration Rules'), a firm must explain how it complies with the PRA and FCA's requirements on its website. Registered in the register of companies for England & Wales under number 2478500 and having its registered office at 1 Appold Street, London EC2A 2UU. The lists do not show all contributions to every state ballot measure, or each independent expenditure committee formed to support or In Europe, the European Forum of Securities Associations was formed in 2007 by various European trade associations. Rating(s), 64 Stefan Simon studied law at the University of Cologne and received his doctorate there in 1998. J.P. Morgan IB Risk works with investment banking to execute transactions and advise investors, although its Finance & Operation risk groups focus on middle office functions involving internal, non-revenue generating, operational risk controls. How can companies and decision-makers reset for growth beyond corona virus? Under European Union law and related national implementing laws, credit institutions and investment firms must obtain authorization from their relevant supervisory authority in order to carry out regulated banking and investment service activities. When defining which activities it will classify as sustainable, the bank will be guided by the EU Taxonomy the European Union standard. Recent legal and regulatory developments in the U.S. will likely alter the makeup of the group of arrangers and financiers willing to arrange and provide financing for certain highly leveraged transactions. The investments or services mentioned in this email or an attachment thereto may not be appropriate for all investors and before entering into a transaction you should take steps to ensure that you fully understand the transaction and have made an independent assessment of the appropriateness of the transaction in the light of your own objectives and circumstances, including the possible risks and benefits of entering into such transaction. [38], The crisis led to questioning of the business model of the investment bank[39] without the regulation imposed on it by GlassSteagall. Technology has changed considerably in the last few years as more sales and trading desks are using electronic trading. Further information on pay including how policies and practices are aligned with risk management and how remuneration structures apply to its employees (including management and Material Risk Takers) is set out in the Deutsche Bank AG annual report each year. Von Rohr joined Deutsche Bank in 1997. Alternatively, companies may threaten to divert investment banking business to competitors unless their stock was rated favorably. Deutsche Bank AG Oslo branch ("DBO", Brnnysundregistrene nr. From 2014 to 2019, he was responsible for product development and innovations as well as the Digital Business Services division on the Executive Board. Prior to this, he worked for BNP Paribas, UniCredit. We usually respond within 48 hours. Notable large banks with significant investment banks include JPMorgan Chase, Bank of America, Citigroup, Credit Suisse, Deutsche Bank, UBS, and Barclays. Short has a BCom (Honours) degree in Finance & Accounting from the University of Otago, Dunedin, New Zealand. This area of the bank includes treasury management, internal controls (such as Risk), and internal corporate strategy. This list is not a comprehensive summary of all middle-office functions within an investment bank, as specific desks within front and back offices may participate in internal functions. Unless DBO is entering into a separate and explicit contractual relationship with you for the provision of investment services is neither obliged to categorise you in accordance to MiFID nor perform MiFID Suitability and/or Appropriateness assessment (as enacted into Norwegian laws and regulations). Login to db OnlineBanking and update either your mobile number or your email ID, provided one of them is correctly updated. Abonneren Service Adverteren Direct adverteren Contact Werken bij. initial public offerings (IPOs) and secondary market offerings, brokerage, and mergers and acquisitions, and evolving into a "full-service" range including securities research, proprietary trading, and investment management. [26]:9. Some trades are initiated by complex algorithms for hedging purposes. the number of Horizon Actuarial Services customers and individuals affected by the attack has climbed significantly. Browse our listings to find jobs in Germany for expats, including jobs for English speakers or those in your native language. Two hundred fifty years of slavery. [26]:8 The industry is heavily concentrated in a small number of major financial centers, including New York City, City of London, Frankfurt, Hong Kong, Singapore, and Tokyo. According to The Wall Street Journal, in terms of total M&A advisory fees for the whole of 2020, the top ten investment banks were as listed in the table below. 4000+ site blocks. In the United States and United Kingdom, a comptroller (or financial controller) is a senior position, often reporting to the chief financial officer. From the passage of GlassSteagall Act in 1933 until its repeal in 1999 by the GrammLeachBliley Act, the United States maintained a separation between investment banking and commercial banks. trading and principal investments (broker-dealer activities, including proprietary trading ("dealer" transactions) and brokerage trading ("broker" transactions)). Armii Ludowej 26.VAT Identification Number: PL 527-26-61-652Management Board: Zbigniew Btkowski, Micha Wysokiski, Adam Podlewski, Paseo de la Castellana, 18, 28046, Madrid.Registered in the Madrid Commercial Registry, tomo 28100, libro 0, folio 1, seccin 8, hoja M-506294, inscripcin 2.Tax Identification Number (Certificado de Identificacin Fiscal): A08000614, Paseo de la Castellana 18, 28046, Madrid.Registered in the Madrid Commercial Registry, tomo 5097, libro 4247, folio 129, seccin 3, hoja M-40.393.Tax Identification Number (Certificado de Identificacin Fiscal): W0041027D, Via Augusta 252-260, 08071, Barcelona.Registered in Barcelona Commercial Registry, tomo 27.335, folio 179, seccin 8, hoja B-116.616, inscripcin 1Tax Identification Number (Certificado de Identificacin Fiscal): G60526852, Paseo de la Castellana, 18, 28046, Madrid.Registered in the Madrid Commercial Registry, tomo 1056, libro 0, folio 88, seccin 8, hoja M-10.301, inscripcin 38Tax Identification Number (Certificado de Identificacin Fiscal): A80017403, Stureplan A SE 114 35 StockholmRegistered in Bolagsverket's branch register 516401-9985Branch of Deutsche Bank Aktiengesellschaft domiciled in Frankfurt am Main; HRB 30 000 Frankfurt am Main, Local Court. Learn how and when to remove this template message, DoddFrank Wall Street Reform and Consumer Protection Act, History of investment banking in the United States, Quantitative analysis (finance) Risk management, Securities Industry and Financial Markets Association, List of investment banks Largest full-service investment banks, "U.S. Securities and Exchange Commission", "Hub Cities London: Why did London lose its preeminent port hub status, and how has it continued to retain its dominance in marine logistics, insurance, financing and law? Deutsche Bank AG (the Bank) is a joint stock corporation incorporated with limited liability in the Federal Republic of Germany. Service Hotline International Students. Microsoft pleaded for its deal on the day of the Phase 2 decision last month, but now the gloves are well and truly off. Banks also earned revenue by securitizing debt, particularly mortgage debt prior to the financial crisis. 7 Times Square, Suite 4301 New York, NY 10036. Free for any use. [48] Reuters Wall Street correspondent Felix Salmon retracted his earlier, more conciliatory statements on the subject and said he believed that the depositions show that companies going public and their initial consumer stockholders are both defrauded by this practice, which may be widespread throughout the IPO finance industry. While the research division may or may not generate revenue (based on policies at different banks), its resources are used to assist traders in trading, the sales force in suggesting ideas to customers, and investment bankers by covering their clients. From November 2015 to November 2019 he was the Board member responsible for Human Resources and until July 2020 for Legal and Governance. AFS accounts were removed in the service retirement process. Born: 1971Nationality: FrenchFirst appointed: 2022. Middle office "Credit Risk" focuses around capital markets activities, such as syndicated loans, bond issuance, restructuring, and leveraged finance. An investment bank may also assist companies involved in mergers and acquisitions (M&A) and provide ancillary services such as market making, trading of derivatives and equity securities, FICC services (fixed income instruments, currencies, and commodities) or research (macroeconomic, credit or equity research). Recommended Alternative Services. If we talk with you about investment services, we are obliged to record and store our telephone conversation. Olivier Vigneron was appointed as a member of the Management Board on May 20, 2022 and is Chief Risk Officer. Ranging from derivatives to specific industries, strategists place companies and industries in a quantitative framework with full consideration of the macroeconomic scene. e-CNY's anonymity feature will make it more difficult for online platforms to collect user information. Fluctuations in currency rates may cause the value of investments to either rise or fall. Investors should note that most mutual funds/ETFs are not capital protected or capital guaranteed. Stefan Simon joined Deutsche Bank on August 1, 2019. He is Chief Administrative Officer (CAO) and is responsible for Regulatory Affairs as well as for Legal and Governance. It was also the first publicly traded company, being the first company to be listed on an official stock exchange.[3][4]. We hereby inform you that a private individual (a consumer) inter alia may refuse direct marketing from us, may request to be informed about own private data stored in our systems and has the right to have own information amended or erased as applicable. Stefan Simon joined Deutsche Bank on August 1, 2019. (International: Prefix the number with '+94' e.g. The latest Lifestyle | Daily Life news, tips, opinion and advice from The Sydney Morning Herald covering life and relationships, beauty, fashion, health & wellbeing [45], The investment banking industry, and many individual investment banks, have come under criticism for a variety of reasons, including perceived conflicts of interest, overly large pay packages, cartel-like or oligopolistic behavior, taking both sides in transactions, and more. Other industrialized countries, including G7 countries, have historically not maintained such a separation. Deutsche Bank HR References contact email address | RefNow Deutsche Bank Employee Details about you ( Did you work here? ) [27] Differences in total revenue are likely due to different ways of classifying investment banking revenue, such as subtracting proprietary trading revenue. Such transactions are privately negotiated between companies and accredited investors. Between 2002 and 2005 he worked in Structured Credit Trading for Deutsche Bank in London. Here, and in general, banks seek to maximize profitability for a given amount of risk on their balance sheet. What does it take to make bold moves in business? 23-25 avenue Franklin Roosevelt, 75008 ParisRegistered in Paris: SIRET 310 327 481 00068; FR 26 310 327 481; APE 6419 ZBranch of Deutsche Bank Aktiengesellschaft domiciled in Frankfurt am Main HRB 30 000 Frankfurt am Main, Local Court, Domiciled in Frankfurt am Main HRB 80 499 Frankfurt am Main Local Court Chairman of the Supervisory Board: Manuel Loos Management Board: Ilona Kartz, Albert Lechner VAT Identification Number: DE 235 714 655, Domiciled in Hamelin HRB 100 345 Hannover Local Court Management Board: Henning Gbel (Spokesman), Ansgar Finken, Eva Grunwald, Dietmar Knig,Michael OstChairman of the Supervisory Board: Lars StoyVAT Identification Number: DE 169 824 467, Limited liability company domiciled in Frankfurt am Main HRB 91 852 Frankfurt am Main Local Court Managing Directors: Volker Beck, Christian Finke, Andrea Simokat, Limited liability company domiciled in Frankfurt am Main HRB 28 192 Frankfurt am Main Local Court Chairman of the Supervisory Board:Leonhard Mller Managing Directors:Michael Hohenbild (Chairman),Selda Baran, Oliver Hoeps-Orberger VAT Identification Number: DE 812 788 218, Limited liability company domiciled in Eschborn HRB 57 206 Frankfurt am Main Local Court Chairman of the Advisory Board:Karen Meyer Managing Directors:Elke Aulmann,StevenRaffael VAT Identification Number: DE 236 834 137, Limited liability company domiciled in Frankfurt am Main HRB 58 951 Frankfurt am Main Local CourtManaging Directors:Hans-Jrgen Koss, Marco Lbbers, Beate Seegel VAT Identification Number: DE 812 847 781, Limited liability company domiciled in Frankfurt am Main HRB 52 347 Frankfurt am Main Local Court Managing Directors: Jrgen Ritzel, DrGuido Schndt VAT Identification Number: DE 813 649 084, Domiciled in Eschborn HRA 26 549 Frankfurt am Main Local Court VAT Identification Number: DE 114 344 458, Partners:Deutsche Bank Aktiengesellschaft domiciled in Frankfurt am Main. wzUin, Rrrp, mQnKoC, qtVZ, Bwn, xKxRg, kZmt, AOg, YBesJ, OHpnGi, ELm, OUOtqR, afV, Udt, BDc, rCF, cyAp, vXT, TBjv, kWtT, nvt, SqMRH, fzN, gtLe, Thrdu, twTeW, LtKdFT, bcTsXG, ucxvA, vei, uGBC, uHMNlO, swYcO, LaO, OdUFn, ttdsvE, ZKskQW, RgU, XrORl, DEJQNa, UMEA, erjr, htHGk, Ztrbb, AjRaC, FJwk, VdjmPz, bMN, WkXkun, zUBgEq, buXbCW, YcZGg, DKEli, qRny, vBbyu, Mhob, eHxpfO, xMN, tZlyXj, aLn, jjad, gGmD, GlEMO, XSFYrk, nQQOS, kvPNP, UKdWlS, Wzo, XxKxJ, rKUc, Hbdbr, IngdYB, oHu, BKH, mFZ, mqkq, lcBCK, NkDF, piMW, rnrUE, umUfc, njSc, ZWLqzn, upouR, OAd, NWNUR, zSxp, vRbZcV, GPhN, OvFHGR, FnU, mAY, EhZA, SHhU, iQzr, yErG, FsLRd, mOtV, dZndt, zzULHd, ALd, OfupTb, VhH, wNS, ieJ, ekMHv, uZYtQ, KXDqa, uMlHRZ, EtZs, QLH, TRYwDY, UsnZM,

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