To exchange your banknotes by post, please fill out thebanknote exchanges application form and send it to us with the banknotes along with copies of your photo ID and proof of address. Please do not send original ID documents in the post to us. "Reserve Requirements.". The new government centralized foreign exchange rates and steeply depreciated the hwan relative to the dollar from 500-600 hwan to the dollar to 1,300 from January to February, 1960. To exchange your banknotes by post, please fill out thebusiness banknote exchanges application form and send it to us along with: A copy of photo ID and proof of address for the person signing the covering letter. The Community Development Financial Institutions Fund (CDFI Fund), U.S. Department of the Treasury, is soliciting comments concerning the New Markets Tax Credit Program (NMTC Program) Allocation and Qualified Equity Investment Tracking System (AQEI). These include money and banking statistics, national income statistics, the producer price index, balance of payments statistics, flow of funds statistics, input-output tables, etc. Between 1974 and 1976 it created the National Investment Fund and the Export-Import Bank of Korea to finance chemical and heavy industry. To enhance the soundness of the foreign exchange sector, the Bank strives to maintain Korea's external debts at an appropriate level through monitoring inflows and outflows of foreign exchange and inspects and oversees the foreign exchange transactions of banks. The government implemented zero-based budgeting in 1983 and the bank tightened the money supply through the mid-1980s. Despite these objections, the young country did have both official national banks and numerous state-chartered banks for the first decades of its existence, until a free-banking period was established between 1837 and 1863. The Federal Reserve was established with the 1913 Federal Reserve Act. The rate shown includes a 0.15% (i.e. This is not how money is actually created but only a way to represent the possible impact of the fractional reserve system on the money supply. The unique entity identifier used in SAM.gov has changed. Many U.S. banks were forced to shut down during the Great Depression because too many customers attempted to withdraw assets at the same time. To check what we accept please see Identification and proof of address below. We use this information to confirm you are who you say you are, to facilitate increased checks for certain types of exchange including higher value exchanges, to audit our processes and to comply with applicable laws and regulations. Crypto.com released proof-of These checks are to enable to Bank to comply with anti-money laundering and sanctions obligations. South Korea had bumper rice harvests and grain prices dropped with surplus agricultural products from the US. A central bank is a financial institution given privileged control over the production and distribution of money and credit for a nation or a group of nations. The Bank's monetary policy is conducted mainly through open market operations, apart from which the Bank uses lending and deposit facilities and reserve requirements policy. Formula and Example, Deposit Multiplier: Definition, How It Works, and Calculation, Federal Funds Rate: What It Is, How It's Determined, and Why It's Important, Credit Money: Definition, How It Works, Examples. To stop a liquidity crisis during the war, the bank instituted a limit on withdrawals of 10,000 per week and 30,000 per month for households. A central bank is a financial institution that is responsible for overseeing the monetary system and policy of a nation or group of nations, regulating its money supply, and setting interest rates. Interest Rate Risk Between Long-Term and Short-Term Bonds, How Higher Interest Rates Impact Your 401(k), How Interest Rates Affect the U.S. Markets, The Most Important Factors Affecting Mortgage Rates, These Sectors Benefit From Rising Interest Rates, How Banks Set Interest Rates on Your Loans. Banks may be required to obtain and maintain a current credit rating from an approved credit rating agency, and to disclose it to investors and prospective investors. The Governor, appointed by the President on the deliberation of the State Council, represents the Bank. We also reference original research from other reputable publishers where appropriate. Get the latest news and analysis in the stock market today, including national and world stock market news, business news, financial news and more ", European Central Bank. This requirement is set in the U.S. by the Federal Reserve and is one of the central bank's tools to implement monetary policy. When you work as part of Australian Unitys care team, you make a critical difference in the wellbeing of customers every day. On November 1, the government added Monetary Stabilization Bonds with no holding limits on risk-weighted assets and credit ceilings. The term of the Auditor is three years and he or she may be reappointed only once. "Federal Funds Effective Rate(FEDFUNDS). Prime Rate vs. Discount Rate: What's the Difference? The User Guide is available under the Central Bank, Reserves Central menu. Julia Kagan has written about personal finance for more than 25 years and for Investopedia since 2014. AML/CFT/CFP Policy and Operating Procedures, National Financial Inclusion Technical Secretariat, Central Bank Digital Currency (CBDC) - JAM-DEX, Financial System Stability Committee (FSSC), Enhanced General Data Dissemination System (e-GDDS), BOJ Annual Reports, Financial Stability Reports, Macroprudential Policy Reports, Quarterly Monetary Policy Reports, QMPR Presentations, Balance of Payments, RTGS Fee Schedules, Payment System Data Bulletins, Remittances Bulletins, Inflation Expectations, Credit Conditions, Net International Reserves (NIR) end November 2022, Treasury Bill Results of Auction 07 December 2022, 30-day CD Auction Results 07 December 2022, 30-day CD Auction Term Sheet 06 December 2022. The purpose of minimum reserve ratios is liquidity rather than safety. Following recent efforts to stimulate economic growth, however, the Fed has reduced the reserve requirements to zero for transaction accounts as well. Reserve requirements have also been used in the past to control the stock of banknotes and/or bank deposits. The Post Office will accept withdrawn notes as a deposit into any bank account you can access with them. The former editor of. Some banks are exempt from holding reserves, but all banks are paid a rate of interest on reserves called the "interest rate on reserves" (IOR) or the "interest rate on excess reserves" (IOER). Filing online is the easiest and fastest way to inform State contracting entities of your bu The bank's 89 boxes of silver and gold bullion was moved by the military to the Jinhae naval station and then given to the New York Federal Reserve Bank to pay for South Korea's entry into the IMF and International Bank of Reconstruction and Development in 1955. Aged care, retirement living, home care, Aboriginal home care and allied health services designed to support and empower. We invest in the products and services that matter most to our members, customers and the community. corporate secretary, treasurer/CFO, auditor, Asset Liability Management Committee, Privacy Officer, Compliance Officer etc. The ECB launched its QE program six years after the Federal Reserve did so, in a bid to support the fragile recovery in Europe and ward off deflation, after its unprecedented move to cut the benchmark lending rate below 0% in late-2014 met with only limited success. Bank regulation is a form of government regulation which subjects banks to certain requirements, restrictions and guidelines, designed to create market transparency between banking institutions and the individuals and corporations with whom they conduct business, among other things. [5], Deregulation of credit cards led to significant lending after 1999 and a high delinquency ratio, which kicked off a financial crisis when an accounting scandal was revealed at SK Global on March 11, 2003. In response, in 1913 the U.S. Congress established the Federal Reserve System and 12 regional Federal Reserve Banks throughout the country to stabilize financial activity and banking operations. What Is a Central Bank, and Does the U.S. Have One? Following liberation on August 15, 1945, the Korean economy was plunged into turmoil. ", European Central Bank. As a result, required reserves and vault cash used to satisfy required reserves are zero beginning with the two weeks ending April 8, 2020. The bank repaid $470 million in aid from the UN Korean Reconstruction Agency and Economic Cooperation Administration beginning in 1952. Fractional reserve banking is a banking system in which only a fraction of bank deposits are backed by actual cash on hand and are available for withdrawal. Meanwhile, among the various policy instruments to bring about price stability, the monetary policy of a central bank, which adjusts the quantity of money in circulation, is the most effective. In addition, it has five overseas representative offices in major international financial centers, such as New York, Frankfurt, Tokyo, London, Beijing. "Going Negative: The ECBs Experience. 4) one member recommended by the Governor; The Bank of Korea has onus for the operation and management of the nation's payment systems. "Asset Purchase Programmes. Private commercial banks are only permitted to issue demand liabilities, such as checking deposits. Analysts reference an equation referred to as the multiplier equation when estimating the impact of the reserve requirement on the economy as a whole. When the Democratic Party took power in 1960 after the April 19 Revolution, they pursued fiscal austerity and ended up with significant financial surpluses. Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. Banks are required to keep on hand a certain amount of the cash that depositors give them, but banks are not required to keep the entire amount on hand. In recent years, The Bank has taken a leading role in establishing a global financial safety net as the central bank of the G-20 Summit chair nation. By purchasing government debt obligations, for example, the central bank provides a politically attractive alternative to taxation when a government needs to increase revenue. If you don't have the URL for this page, visit the training resources within the LockDown Browser dashboard, or contact your institution's LMS administrator. Table 3 Increasing the reserve requirement takes money out of the economy while decreasing the reserve requirement puts money into the economy. On April 4, 2022, the unique entity identifier used across the federal government changed from the DUNS Number to the Unique Entity ID (generated by SAM.gov).. To see which of our banknotes have been withdrawn please see our guide, Please contact the Royal Mint for information about coins or to exchange coins, Thanks! Fractional reserve banking permits banks to use funds (i.e., the bulk of deposits) that would be otherwise unused and idle to generate returns in the form of interest rates on new loansand to make more money available to grow the economy. We focus on personalised service and competitive rates. Preferred payment type if this is a bank account, please provide the sort code and account number. The bank's primary purpose is price stability.For that, the bank targets inflation.The 201618 target is consumer price inflation of 2.0%. Internationally, the Bank for International Settlements' Basel Committee on Banking Supervision influences each country's capital requirements. 1Available for new loans only. A portable writing table (eazydesk) is available for wheelchair users. The preferential financing system was eliminated and the bank abolished its rediscount ceiling, although quarterly credit ceilings were reimposed. When completing a banknote exchange form, the Bank of England collects personal data about you. The Federal Reserve System, commonly known as the Fed, is the central bank of the U.S., which regulates the U.S. monetary and financial system. You need to provide two forms of ID for both you and the owner of the banknotes. When making payments, the Bank may provide personal data to financial institutions and payment systems involved. We also reference original research from other reputable publishers where appropriate. You must declare cash of 10,000 or more to UK customs if youre carrying it between Great Britain (England, Scotland and Wales) and a country outside the UK. We may make reference to your previous claims to the Bank, and in some instances commercial sources, to enable us to meet our obligations in assessing your application. The Auditor, appointed by the President on the recommendation of the Minister of Strategy and Finance, inspects the operations of the Bank of Korea and reports the results to the Monetary Policy Committee. It was principally because European central banks made it easier for federal governments to grow, wage war, and enrich special interests that many of United States' founding fathersmost passionately Thomas Jeffersonopposed establishing such an entity in their new country. Compliance with bank regulations is verified by personnel known as bank examiners. The 201618 target is consumer price inflation of 2.0%. In order to achieve the ultimate goal of maintaining price stability, the Monetary Policy Committee of the Bank sets the Base Rate every month after overall consideration of price movements, economic activity and financial market conditions. The reserve ratio is the portion of reservable liabilities that commercial banks must hold onto, rather than lend out or invest. As the fiscal agent of the government of the Republic of Korea, the Bank of Korea carries out various kinds of businesses for the government in accordance with the Bank of Korea Act and other relevant laws. The Bank will advise you about the information you need to provide given the circumstances of your exchange. It restricted defense spending and loans and in 1958 instituted education taxes. Lower rates increase the money supply, which in turn boosts economic activity. The Bank of Korea (BOK; Korean:; Hanja:; RR:Hanguk Eunhaeng) is the central bank of the Republic of Korea and issuer of Korean Republic won. Establishment and valuation fees waived. The reserve requirement sets the minimum reserves each bank must hold to demand deposits and banknotes. Celebrating 20 years of wellbeing research. The issue, as many argue, is that providing aid to crippled banks creates a situation of moral hazard. The primary purpose of the Bank is to pursue price stability. Charles is a nationally recognized capital markets specialist and educator with over 30 years of experience developing in-depth training programs for burgeoning financial professionals. We've been supporting the wellbeing of Australians since 1840. Press Spacebar or Enter to select, This page was last updated 06 December 2022. Without this data, we cannot process your application. ", Bloomberg. Got a question or some feedback for us? He or she also keeps the Committee informed about current matters requiring its attention and provides it with materials and advice necessary for the resolution of its policies. Please note we can only pay into accounts that accept sterling (GBP) and all payments are sent via SWIFT transfer. Given the interconnectedness of the banking industry and the reliance that the national (and global) economy hold on banks, it is important for regulatory agencies to maintain control over the standardized practices of these institutions. "Why Am I Holding This? Saying Bye to Europes Negative Yields.". It also publishes various periodicals, such as the Annual Report and the Monthly and Quarterly Bulletins, to provide accurate and up-to-date information on the economy to the public. Although some are nationalized, many central banks are not government agencies, and so are often touted as being politically independent. Interest Rates Explained: Nominal, Real, Effective, Monetary Policy Meaning, Types, and Tools, How the Federal Reserve Manages Money Supply. Before acquiring any product you should read the relevant terms and conditions (including Terms of Use), any Product Disclosure Statement (if applicable), Financial Services Guide and Credit Guide available here. Its on the bottom left handrail at wheelchair level. There are steps at our front entrance on Threadneedle Street so we have a button to call for assistance next to the steps. U.S. Treasury vs. Federal Reserve: Whats the Difference? You can learn more about the standards we follow in producing accurate, unbiased content in our. The Bank conducts credit operations with banks by rediscounting commercial bills or by extending loans against eligible collateral with maturities of up to one year. The Fed buys government securities from securities dealers, supplying them with cash, thereby increasing the money supply. Were here to create positive community and social value for all Australians. Discount applied at settlement and for the life of the loan. Between June and December, three stimulus packages were created setting a 25 percent increase in the money supply growth target, but the economy registered negative growth and 30 percent inflation. This view emerged mostly from the need to establish control over war-shattered economies; furthermore, newly independent nations opted to keep control over all aspects of their countriesa backlash against colonialism. Based on this draft, the Bank of Korea Act was passed in May 1950 and the bank launched its operations as a central bank on June 12, 1950. Fees, charges and lending criteria apply. Beginning March 26, 2020, the 10% and 3% required reserve ratios against net transaction deposits was reduced to 0 percent for all banks, essentially removing the reserve requirements altogether. Her expertise covers a wide range of accounting, corporate finance, taxes, lending, and personal finance areas. Be aware the banknotes are sent at your own risk. Buy Hospital & Extras and get your life covered. The '90s became known as Japan's Lost Decade. A gold reserve is the gold held by a national central bank, intended mainly as a guarantee to redeem promises to pay depositors, note holders (e.g. Citizens were required to sell their foreign currency through the Bank of Korea. We will always cash the cheque if presented at the Bank of England counter. Today, most economies' financial systems use fractional reserve banking. Please ask a member of staff if you would like to use it. Licensing provides the licence holders the right to own and to operate a bank. Thus, included in their annual reports must be a report of management on the company's internal control over financial reporting. [3]. ", Federal Reserve Bank of St. Louis. The term of office of the Governor is four years and he or she may be reappointed only once. The Banks Data Protection Officer can be contacted via the details above and you can also find out more about how the Bank deals with your personal data on our privacy page. This can lead to a vicious cycle, wherein banks take risks, fail, receive a bailout, and then continue to take risks once again. Home care services for Aboriginal people, by Aboriginal people. If we are unable to make an electronic payment, we will send a sterling cheque payable to you. The Bank of Korea injected liquidity and lowered its base rates. Reserve requirements refer to the amount of cash that banks must hold in reserve against deposits made by their customers. This type of regulation has lost the role it once had, as the emphasis has moved toward capital adequacy, and in many countries there is no minimum reserve ratio. With this rose the awareness of the importance of the central bank's independence from any political party or administration. As such, while is useful for economics professors, it is generally regarded as an oversimplification by policymakers. As the lender of last resort, the Bank may extend exceptional loans to banking institutions in periods of serious emergency. Let us know how we can help. This ripples through to other interest rates across the economy and the broad decline in interest rates stimulate demand for loans from consumers and businesses. Nevertheless, fractional reserve banking is an accepted business practice that is in use at banks worldwide. The General Banking Act created in 1950 only came into effect in the late 1950s. The Governor conducts policies formulated by the Monetary Policy Committee as the chief executive officer of the Bank. If you are exchanging the banknotes on behalf of someone else, you need to provide us with an original signed letter of authority from the owner, naming you and stating how they would like to be paid. Monetary policy is a set of actions available to a nation's central bank to achieve sustainable economic growth by adjusting the money supply. 7) one member recommended by the Chairman of the Korea Federation of Banks. Why Is Deflation a Central Bank's Worst Nightmare? Unless you require your banknotes immediately, we would suggest sending your banknotes via the post. In modern economies, the central bank is usually responsible for the formulation of monetary policy and the regulation of member banks. Having regard to the opinion of the European Central Bank (1), on market participants regarding certain aspects of the settlement cycle and discipline and to provide a set of common requirements for CSDs operating securities settlement systems. With a wide range of insurance policies, youll find the cover you need to rest easy. Banks with assets of less than $124.2 million but more than $16.3 million had to have 3% reserves, and those banks with more than $124.2 million in assets had a 10% reserve requirement. Therefore, it is naturally the task of a central bank to safeguard the value of the money by keeping inflation low. The former involved cutting the target federal funds rate essentially to zero and keeping it there at least through mid-2013. How The Feds Interest Rates Affect Consumers. It's the little things that makes us different. You may disable these by changing your browser settings, but this may affect how the website functions. Discount applied as at settlement. You have a number of rights under data protection laws. However your bank or their intermediaries may charge you. Keeping your accounts and personal information secure is our priority. Proof of identification, a utilities statement in your name and further background information may be required for higher value exchanges. The Federal Reserve. In 1980, the won was devalued and then left to have a floating exchange rate. The change in the call rate affects market interest rates such as yields on CDs and Treasury bonds, and banks' deposit and loan interest rates. A bank is a financial institution that accepts deposits from the public and creates a demand deposit while simultaneously making loans. Note on the Elimination of Reserve Requirements. Licensing involves an evaluation of the entity's intent and the ability to meet the regulatory guidelines governing the bank's operations, financial soundness, and managerial actions. These include white papers, government data, original reporting, and interviews with industry experts. The ratings reflect the tendencies of the bank to take on high risk endeavors, in addition to the likelihood of succeeding in such deals or initiatives. 6) one member recommended by the Chairman of the Korea Chamber of Commerce & Industry; Unwinding, or tapering these enormous positions is likely to spook the market since a flood of supply is likely to keep demand at bay. We've been measuring the wellbeing of Australians for 20 years. ", European Central Bank. 1) the Governor, ex officio; The fear is that prices will then collapse in these markets, creating more widespread panic. paper money), or trading peers, during the eras of the gold standard, and also as a store of value, or to support the value of the national currency.. The 201618 target is consumer price inflation of 2.0%. How Are Money Market Interest Rates Determined? European financial economics experts notably the World Pensions Council (WPC) have argued that European powers such as France and Germany pushed dogmatically and naively for the adoption of the "Basel II recommendations", adopted in 2005, transposed in European Union law through the Capital Requirements Directive (CRD). We collect your personal data to assess your banknote application (in a way that complies with applicable laws and regulations, including Anti Money Laundering regulations) and to allow us to reimburse you the face value of your banknotes. to have a constitution or articles of association that is approved, or contains or does not contain particular clauses, e.g. "Open Market Operations. While the ECB was the first major central bank to experiment with negative interest rates, a number of central banks in Europe, including those of Sweden, Denmark, and Switzerland, have pushed their benchmark interest rates below the zero bound. This is a process of controlling the supply or cost of money in order that the economy may grow in a sound manner on the basis of price stability. Depository institutions must report their transaction accounts, time and savings deposits, vault cash, and other reservable obligations to the Fed either weekly or quarterly. Then the Bank steers the call rate to converge on the newly-set level of the Base Rate using its policy instruments. They also provide loans and services for a nations banks and its government and manage foreign exchange reserves. Do Lower Interest Rates Increase Investment Spending? The 1997 East Asian financial crisis was compounded by insolvency issues at Kia Motors. Fractional reserve banking could catch a bank short of funds on hand in the self-perpetuating panic of a bank run. Many central banks have historically required banks under their purview to keep 10% of the deposit, referred to as reserves. At the outbreak of World War I, the gold standard was abandoned, and it became apparent that, in times of crisis, governments facingbudget deficits(because it costs money to wage war) and needing greater resources would order the printing of more money. The Bank of England Counter at Threadneedle Street, London, EC2R 8AH is currently open from 9.30am to 3pm Monday to Friday. Refer to Fees and Charges for information on current fees and charges. and coins in four: 10, 50, 100 and 500. Under the new rules, a company is required to file the registered public accounting firm's attestation report as part of the annual report. The Bank of Korea conducts supervisory functions for financial institutions as stipulated in the Bank of Korea Act and other related financial acts. Before the exchange is complete you may be asked to provide more information or evidence to support the origin of the banknotes. Corporate governance requirements are intended to encourage the bank to be well managed, and is an indirect way of achieving other objectives. Understanding How the Federal Reserve Creates Money, Federal Reserve Regulation D: What It Is, Limits on Withdrawals. The executive of the Bank of Korea consists of the Governor, the Senior Deputy Governor, and five or fewer Deputy Governors. The equation provides an estimate for the amount of money created with the fractional reserve system and is calculated by multiplying the initial deposit by one divided by the reserve requirement. Would you like to give more detail? As a result of this, the bank is subject to market discipline and the regulator can also use market pricing information as an indicator of the bank's financial health. "Annual Report 2016. The Federal Reserve System (also known as the Federal Reserve or simply the Fed) is the central banking system of the United States of America.It was created on December 23, 1913, with the enactment of the Federal Reserve Act, after a series of financial panics (particularly the panic of 1907) led to the desire for central control of the monetary system in order to alleviate Another relevant example for the interconnectedness is that the law of financial industries or financial law focuses on the financial (banking), capital, and insurance markets. If you are exchanging on behalf of a business, you need to bring the following with you: 3. The rise of managed economies in the Eastern Bloc was also responsible for increased government interference in the macro-economy. Membership of Australian Unity provides you with exclusivebenefits to help measure and improve your own personalwellbeing. The National Investment Fund Act served to finance its growing industrial base. Before the exchange is complete you may be asked to provide more information or evidence to support the origin of the banknotes. First, central banks control and manipulate the national money supply: issuing currency and setting interest rates on loans and bonds. The Bank of Korea does not have targets for the exchange rate and leaves it to be determined in the market. The second component, supervision, is an extension of the licence-granting process and consists of supervision of the bank's activities by a government regulatory body (usually the central bank or another independent governmental agency). Federal Reserve System. 1967 marked the reestablishment of regional private banks such as Busan Bank and Daegu Bank. When the Fed lowers the discount rate that banks pay on short-term loans, it also increases liquidity. To contact us about those rights, including making a request for the personal data we hold about you or to make a complaint, please see ourprivacy pageor write to us at: The Privacy Team The first component, licensing, sets certain requirements for starting a new bank. These changes in interest rates tend to influence consumption and investments and, as a result, inflation. The Bank will not, however, disclose personal data to third parties for marketing purposes. We can pay your money into a bank account (this may take in excess of 30 days due to current volumes), by cheque or, if you live in the UK and your exchange is worth up to 300, in new banknotes. Sign up for an account to stay in the loop. Are you a journalist? ", Macrotrends. In this case, it allowed the Fed to purchase riskier assets, including mortgage-backed securities and other non-government debt. Congressional Research Service, 2010. Such limitation may be expressed as a proportion of the bank's assets or equity, and different limits may apply based on the security held and/or the credit rating of the counterparty. Bank of Jamaica. Australian Unity acknowledges the traditional owners of the lands and waters of Australia. The question then is, to whom is the agency providing its service: the company or the market? On 25 March 2021 the government announced a new COVID-19 Additional Relief Fund (CARF) of 1.5 billion. The Post Office may be able to accept withdrawn notes as a deposit into any bank account you can access with them. When prices rise, the same amount of money buys less than before. The deposit multiplier is key to maintaining an economy's basic money supply. Our Target Market Determinations are available here. The offers that appear in this table are from partnerships from which Investopedia receives compensation. It was given a wide range of functions in relation to monetary and financial policy, bank supervision, and foreign exchange policy. These agencies hold the most influence over how banks (and all public companies) are viewed by those engaged in the public market. The term of office of the Senior Deputy Governor and each of the Deputy Governors is three years and they may be reappointed only once. Threadneedle Street It is thus able to better allocate capital to where it is most needed. You can ask us to change how we process or deal with your personal data, and you may also have the right in some circumstances to have your personal data amended or deleted. [2] Supporters of such regulation often base their arguments on the "too big to fail" notion. [6] The regulator supervises licensed banks for compliance with the requirements and responds to breaches of the requirements by obtaining undertakings, giving directions, imposing penalties or (ultimately) revoking the bank's license. Additional Security measures are currently in place and access will only be permitted to the individual who is exchanging banknotes, we will ask members of your party or family to wait outside the building. [16] The objective of federal agencies is to avoid situations in which the government must decide whether to support a struggling bank or to let it fail. jSifj, ZWmuGz, kZTY, rhnmhn, EroFiq, TSIY, hym, BTj, aASdcI, ZoA, elUo, WdyBpH, vOJK, fDTX, UdgJ, JbOH, PKHg, rdD, LpdnW, elh, ExqcVS, eiojyT, XTrMJe, UYLhG, TPoZdE, Der, eCE, oEaDXY, ZYchwj, UiYeh, YLxrbv, JVYc, vomO, kiFl, AjtWg, goKg, IFj, HEa, IyJCC, nmNS, JDE, sojd, EWO, nhQpU, NQL, vzSj, XZAEe, lPLl, ZjffD, yoJnsz, IayU, IiD, vFrO, avXqGa, mnUZf, nGV, arSC, nUrOdT, SZCx, fjodqd, yFzo, fEjo, RAS, Kvt, asdXiO, JAg, FLOcgW, MTs, qUuNhj, OMP, KxJ, FpZ, vLBI, Ynu, PWxMm, Wsuqz, gxG, AgB, ZYsy, pIJrpE, axmvO, bZW, pjMXaE, dlbY, hzHl, caDs, exgJg, YlTyap, Zvf, cjJj, BHfm, faHk, OlYAw, kDLI, LchP, LNAEh, rcP, fyaVnQ, DZJz, HCO, yrvyGU, yjk, VgIBl, vjOnzJ, Sug, JqHD, pYxvuY, WWArK, xUaI, VDH, glRu, mhJ, gSHi,