There are a lot of fees (and high ones) to watch out for, and the interest rates you can earn are next to nothing. Traditionally, the function of a bank is to take the money deposited by customers and lend it out to borrowers. While Bank of America makes it seem like its doing you a favor by offering you ways to dodge those fees, dont be fooled. Become a Motley Fool member today to get instant access to our top analyst recommendations, in-depth research, investing resources, and more. In addition, the culture is welcoming, and there is room for advancement in the workplace. Bank of America accuses overproduction of MTG of "destroying" Hasbro's value. It is only at the Bank of America employee benefits that you find such flexible work timings. Learn More. It offers most of the things that youd expect, such as online banking, a mobile app, and FDIC insurance. The bank of America along with giving basic compensations for good performance also gives great bonuses and incentives if you perform exceptionally well. Bank of America is one of the most talked-about a bank in the whole world. "Personal Schedule of Fees," Page 5. The bank is accessible across the country and has about 3,900 branches and about . Bank of America was founded in 1998, and has gathered quite a following since. 24. The atmosphere here is quite relaxed according to many workers. But for a checking account, wed expect, well, checks. They cover costs incurred by teeth extractions or repair, bridges, dentures, basic everyday dental care, fillings, preventive care, and major care. A strong company is always a dream to work for. If you have had problems qualifying for checking accounts in the past, have a limited credit history, or if youre depositing more than $100,000 into an account, youll probably want to head to a branch rather than try to sign up online. The Bank of America in short the BOFA was founded on October 17th, 1904 and deals with investment banking, consumer banking, wealth management, finance, and insurance to name a few. Bank of America. There is a Bank of America ATM across the street from the grocery store but for a decade I have never used it because of the sheer number of times I had been told how terrible Bank of America was. In return, youll actually earn a bit of interest with this account. AI and Automation Powered Recruitment Trends 2022 Webinar, The Biggest Challenge of Managing Remote Recruiters, The Best Chrome Extensions for Recruiters Are, Coronavirus and Working From Home Policy Best Practices, How to Write an Elite Executive Resume? "Personal Schedule of Fees," Page 6. The interest rate offered on this account is generally the same as the adult Advantage Savings version, which is to say that it doesnt earn much. You'll be charged a $10 Withdrawal Limit Fee for each time you go over this limit. If you cant meet that requirement to enroll in Preferred Rewards, youll have to pay a $4.95 monthly maintenance fee for this account. As a result, conduct thorough research. That allows Bank of America to keep its funding costs more stable and rise less so than the yields on its assets. 7. . Get the Latest Tech Updates and Insights in Recruitment, Blogs, Articles and Newsletters. At Bank of America, the only money market account offered is a Money Market IRA, which lets you save for retirement within an FDIC-insured account starting with as little as $100. Purchasing Merrill Lynch Bank of America proved to be a mega acquisition for them. Therefore if you are going through a major crisis or your baby or someone is unwell at your home, you can avail of this 14 week long leave without worrying about, The Teladoc service by Bank of America is another best. They are very involved with the community and treat its employees as family. This comes after hints of Federal Reserve interest rates to be raised among a five percent decline in unemployment. Bank of America also offers another additional 14 weeks of parental leave for every employee especially new fathers but this is unpaid. It also partners with many third-party companies to offer branded credit cards with specific perks. Richard plays an integral role in Pllenty's product, business development and strategic planning.Kopman is a 25-year veteran of the IT industry and has worked with clients in a . The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. ", Bank of America. The managers are very down to earth and humble and practice an open door policy whereby any employee any time can just walk up to them and discuss problems or even have a casual conversation without feeling that they are talking to their superiors. "My most important role is the CEO of this company is finding good people to join our team" - Richard Kopman Richard Kopman, is cofounder of the FinTech startup, Pllenty Inc. and serves as the chief executive officer. It may be particularly good for customers who want to: Be able to bank in person Have easy access. Bank of America is best for customers who value ease of access over higher interest rates. Here are two charts that show why Bank of America is a good stock to have in this kind of rising-rate environment. Why should I answer Bank of America? Who Is Bank of America Best For? Bank of America is a quintessential mega bank. What Is the Average Savings Account Interest Rate? Here are two good reasons why Bank of America ( BAC -4.46%) would be a good place to invest $1,000. Community relations and volunteer activities valued. And, our growth must be sustainable . They have even overtaken Wells Fargo as the big bank investors premier choice. They provide security and coverage for medical services like staying at the hospital, visiting doctors, taking specialist help and prescribing drug plans for easy maintenance of a healthy lifestyle. Why Bank of America is the Best Place for Mothers? To make the world smarter, happier, and richer. Along with employee development, you will undergo personality development by working for this bank. Bank of America proved to be a mega acquisition for them. It may serve as an easy cash reserve for emergencies when linked to a Bank of America checking account. Mean Girls at Work How to Best Deal with Them? A safe and comfortable environment boosts your productivity as well as gives you mental peace. Informations sur votre appareil et sur votre connexion Internet, y compris votre adresseIP, Navigation et recherche lors de lutilisation des sites Web et applications Yahoo. That makes it convenient, but that convenience comes at a price because its accounts come with high fees and low interest rates. Current Price $32.38 Price as of December 9, 2022, 4:00 p.m. You can also earn a few valuable perks, like free checks, free wire transfers, and free overdraft protection transfers, and you can have the monthly fee waived on certain other bank accounts as well if you link them to this one. If the P/S ratio is 1, that means you're paying $1 for . After the P/E ratio, it's one of the most common valuation metrics. It is possible to get approved for a credit card from Bank of America with limited credit history or a bad credit score, for example. Thats not as bad as some of Bank of Americas checking accounts, but youd need to keep several hundred thousand dollars in this savings account in order to earn enough interest to offset the monthly fee. You can easily find a much better bank that charges no fees and offers high interest rates as a matter of principle, especially if youre willing to do your banking online. Along with dental, medical and vision benefits, the Bank of America provides its employees, help with counseling and therapy when one is going through a crisis in life. Checking Bank of America offers one checking account with 3 settings. Then it becomes their account, and they can do whatever they want with the money youve saved for them. With its headquarters at Charlotte, North Carolina it is a multinational bank and the second largest based on its acquirement of assets. Bank of America is one of the biggest names . If you keep at least $10,000 tucked away into your linked Bank of America accounts each statement cycle, the massive monthly fee of $25 will be waived. The biggest thing youll get out of banking with Bank of America is convenience. These bonuses and incentives are a big part of their compensation package. As you can see in the chart above, return on equity has more or less increased in tandem with the federal funds rate. It starts with having a diverse, inclusive workplace where employees are valued for their individual strengths and perspectives. 4 Social Security Changes Joe Biden Wants to Make: Is 2023 the Year They Become Reality? But considering Bank of America's strong deposit base, significant levels of cash and cash deployed into securities, and sensitivity to shorter-term interest rates, I'm bullish on Bank of America and believe the stock is a good pick in this kind of rising-rate environment. The bank's approach has been to address financial wellness by building an omnichannel platform that enables consumers to set goals, track their progress and get quick and easy answers to financial questions. They also dont come in as many term lengths (just seven, 10, 13, 25, and 37 months). Join Nearly 1 Million Premium Members And Get More In-Depth Stock Guidance and Research, Motley Fool Issues Rare All In Buy Alert, Copyright, Trademark and Patent Information. You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site. Vegan Perfumes: Everything You Need to Know, 5 Best Ways to Optimize Protein on a Vegan Diet, How Next Earth Is Making a Difference in the NFT World, How to Stay Healthy Without Medication (Step-By-Step Guide), Top 5 Ways to Grow Your Online Sports Betting Website. At first glance, Bank of America looks great for business banking. Bank of America, National Association(FDIC #3510), Preferred Rewards Frequently Asked Questions, Ten Years After Great Recession, Innovation Overcomes Reputation as Bank Switching Hits Record Low, J.D. The best thing about the company is that technology use very user friendly and every branch, as well as the customer service, use similar systems, therefore, it acts like one big team. Why is the Bank of America the best place for fathers? By virtue of having acquired Merrill Lynch's AIG-related portfolio, B of A got to keep approximately $12 billion worth of . Even if you work as a full timer anywhere you will have to leave your job if you want to pursue a regular course for higher studies but not here in this bank. That pick-up was largely due to some non-recurring and lumpy items such as the bank provisioning for heavy loan losses at the beginning of the pandemic when there was incredible uncertainty. If you sign up for the Preferred Rewards program, you can also have the fee waived. It looks majestic and is squeaky clean. It is well-known for providing excellent banking and customer service. En cliquant sur Refuser tout, vous refusez tous les cookies non essentiels et technologies similaires, mais Yahoo continuera utiliser les cookies essentiels et des technologies similaires. Bank of America got the most AIG money of the big depositor banks. Its been involved in numerous controversies and lawsuits over the years, including being slapped with a $727 million fine by the Consumer Financial Protection Bureau in 2014 for illegal credit card practices. This one-two punch decimated Bank of America's loan business, which is the primary way banks make money. With this service, you can chat with a doctor by video chat or call at a very minimal cost from anywhere. Here are two. But as we found, Bank of America is only a good fit for some businesses. Invest better with The Motley Fool. Many women who after the long maternity leave are unable to concentrate on working for longer hours or find it difficult to balance work and family allow to work for reduced hours initially to help them. While it does offer about 0.01% APY, the rate varies by location, and its so low that its basically negligible. But for savers under age 59 1/2, that may not be a good idea because the IRS will heavily penalize you for early IRA withdrawals. Seven reasons why Bank of America is the best bank money can buy But, worrying about what the Fed has to say on a week-to-week basis is shortsighted of Wall Street and investors. 10 Simple Tips, Top 30 Recruitment Mistakes: How to Overcome Them, What is an Interview: Definition, Objectives, Types & Guidelines, 20 Effective or Successful Job Search Strategies & Techniques, Text Messages Your New Recruitment Superhero Recorded Webinar, Find the Top 10 IT Contract Jobs Employers are Hiring in, The Real Secret behind the Best Way to contact a Candidate, Candidate Sourcing: What Top Recruiters are Saying. The employees are the best people who can tell you the pros and cons of any organization and the employees at Bank of America have given an average rating of 4 out of 5 for it, wholesale account executives have rated it 5 and engineers have rated it 4.9. Bank of America also tends to see higher returns on equity during a rising-rate environment. Youll also need to provide personal information, just like you would when opening an account at any other bank. You can balance your work and personal life easily here: Bank of Americas pay better than just good when compared to the average pay of every other organization. It requires a smaller deposit ($100) to get started and is also available as a traditional or Roth IRA. 18. If youve got a bit more cash$10,000, to be specificyou can take advantage of Bank of Americas Featured CDs. This has been fueled by their growth potential since their book value has not yet matched their equity. It expected to grow more with its wealth management facilities. Many banks and credit unions offer a money market account, which is a bit of a hybrid between a checking account and a savings account. Because those elevated loan losses never materialized, it was able to release that capital back into earnings in 2021. No other organization can compete with it in terms of a bank of America benefits and pay. , and it is for those emergencies when you need immediate medical attention for your baby. Otherwise, youll pay an early withdrawal penalty. Alongside they also provide replacement of income with the life and disability insurance in the event of an employee experiencing fatal injuries or death. However, getting ahold of someone can sometimes be tricky since the bank doesnt offer 24/7 call-in support, and chat support is spotty at best. A bank that has 60% of women representatives is surely the most comfortable place for women to work. The Bank of America credit score requirement is 750 or higher for the best Bank of America credit card offers, though other options are available for people with lower scores. They cover costs incurred by teeth extractions or repair, bridges, dentures, basic everyday dental care, fillings, preventive care, and major care. The following mentioned are the few best benefits provided by Bank of America to their employees. Its Standard Term IRA CDs and Featured IRA CDs are essentially the same as its normal CDs, just within the package of an IRA. Cost basis and return based on previous market day close. This fee could be a substantial cost, depending on your situationits $35 for each overdraft thats over $1. Even if you start here as a customer service employee, there is better than a good chance for you to get opportunities to work within the bank. During the financial crisis of 2007-2008, Bank of America absorbed Merrill Lynch. This is a selfless attempt on the banks part to show how much they value the existence of their employees and also of their families after the employees cease to exist. "Bank of America, National Association(FDIC #3510). This includes doctor visit charges, vaccines and daily needs of the child. From what I understand, the good part is that Obunn can keep putting +1/+1 counters on himself, benefitting all subsequent land creatures, That's kinda the main strategy of the Lands Wrath Precon. Bank of Americas Advantage Plus checking account is probably what more folks will be interested in, assuming you have the $100 deposit required to open one. Therefore, working at the bank of America is the best option if you want to dedicate your life and are serious about working in the banking sector. ", Bank of America. Theres a broad range of term lengths, too, from 28 days to 10 years in length. Bank of America offers a variety of account options, including checking, savings, CDs, IRAs, and investment accounts. The managers and other higher officials are very open and encouraging. Rates can vary by location and the rates in the table below were from Boston, MA, as of April 19, 2022. Out of approximately 248074 employees, 60% are women. There are numerous positives and negatives in regards to the current state of affairs for Bank of America. We are delivering on our purpose to help make financial lives better through our focus on responsible growth. Bank of America is a full-service national bank with 240 years of history, and it's the second largest U.S. bank by assets. A strong company is always a dream to work for. Otherwise, the pressure is at its minimal at all times. The bank has a decent caf offering food at quite reasonable rates for you to grab a quick breakfast or lunch whenever you are on a break so you do not have to venture out for food or carry it. If you are retirement age, however, this account may make more sense for you. There are no overdraft fees or non-sufficient funds (NSF) fees, and if you meet certain requirements, theres no monthly fee for this account, either. We cover your product choices and more in our guide. And even if you do. The Advantage Relationship checking account is Bank of America's interest bearing account that also waives some fees on some services like domestic wire transfers, stop payments, paper checks, and transfer fees on overdraft protection from linked accounts. NEIL CAVUTO . You can open this account within either a traditional IRAor a Roth IRA. That measure invests more than $200 billion to encourage companies to bring . The bank also runs a discount program on the vision plan with which the employees can avail of huge discounts on Lasik surgery, regular checkups, sunglasses, lenses, and other accessories for the eye. Rates were obtained in the table below from Boston, MA. Why Bank of America is a great place to work Working here Being a great place to work Being a great place to work We're dedicated to helping our teammates be their best at work and at home. There are risks for banks. Bank of America, however, has made big gains in the trust department when investing money is concerned. Here's Why Bank of America Is a Good Stock in a Rising-Rate Environment By Bram Berkowitz - Mar 23, 2022 at 9:04AM Key Points The bank's net interest margin tends to expand when the. Responsible growth. You can jointly open a Minor Savings Account for an under-18 child with a minimum deposit of $25, and there are no monthly fees. Founded in 1993 by brothers Tom and David Gardner, The Motley Fool helps millions of people attain financial freedom through our website, podcasts, books, newspaper column, radio show, and premium investing services. This includes doctor visit charges, vaccines and daily needs of the child. The best thing about this bank is that there is a high growth opportunity. Top 32 Reasons to Work for Bank of America: the bank also will take care of your dental costs by providing dental care. This could mark the Great Recession recovery with B of A leading the charge. 10. If you tend to keep large balances in your accounts, this might be the best choice for you at this bank. Power Finds, You want to bank with a large, well-known institution, You dont mind navigating a complex system of rules, Youre aware of the many fees and how to dodge them, Youre not as concerned with earning a good rate on your savings, You want a bank that offers a wide range of financial products, Enroll in the Preferred Rewards program (with its $20,000 barrier to entry), Keep an average daily balance of at least $1,500 in this account, Have an eligible direct deposit of at least $250, Free Spirit Travel More World Elite Mastercard, Royal Caribbean Visa Signature Credit Card, Celebrity Cruises Visa Signature Credit Card, Susan G. Komen Cash Rewards Visa Credit Card from Bank of America, Bank of America Customized Cash Rewards for Students, BankAmericard Travel Rewards for Students, Investments through Merrill Edge and Merrill Lynch. It worked out for them and they are now in a much stronger position to offer great investment products. This money can then be used to manage expensive medical costs. I have. BAC Stock Advantage: The Macro Economy And Interest Rates The current economic environment is ideal for BAC stock. Just do one of the following three things during each statement cycle: Sadly, this account also doesnt pay any interest, and it adds a new potential snag: You can be charged overdraft and NSF fees with this account if you overdraw it. Why Is Bank of America . You can rest assured that there will probably be one close by if you travel somewhere else within the U.S., too. Last week Bank of America did quite well at the close of the NYSE. She is a FINRA Series 7, 63, and 66 license holder. Bank of America is an advertising partner of The Ascent, a Motley Fool company. Not every company hires part timers and even if they do, the part timers deprived of many facilities. While it hasnt been involved in some of the big scandals that other banks have faced, Bank of America doesnt exactly have a spotless record. 23. How to Answer. Bank of Americas UTMA account requires a higher deposit to open than its minor savings account$100 vs. $25and also comes with a monthly fee of $8 if you dont keep at least $500 in the account at all times. Holly O'Neill, President of Retail Banking at Bank of America, spoke with Jim Marous, Co-Publisher of The Financial Brand and CEO of . Bank of America offers three types of IRA CDs. Saving in a Money Market IRA (as opposed to an IRA CD) allows you to withdraw your money whenever you want. The Motley Fool has a disclosure policy. Here's the main reason people hate Bank of. The White House is touting the new investments as a direct result of the CHIPS bill, which Biden signed this summer. Bank of America. It has locations across the United States, it offers your choice of business checking and savings accounts, and it offers small-business financing and other services. They boast more than 5,000 branches, and this could mean big gains since credit quality is on the rise with new mortgages once again making sense. This has caused a tremendous debate to ensue regarding the bank's future. In short, there is a great opportunity for employee development and with the right mindset, you can easily achieve success. You will be surprised to know that this bank houses a gymnasium for its employees on the part of the Bank of America employee benefits. The bank is better positioned to take advantage of rising rates than ever before. It's also a viable option for. Working here makes you come in contact with the best among the best as they hire the best. This week investors will also be keeping a close watch on initial jobless claims data, due out Dec. 8, as a leading indicator of the health of the labor market. 1. Higher interest rates will increase the yield attached to many of Bank of America's existing and future loans, as well as the debt securities in which the bank deploys cash. It offers 4,100 branch locations, an online banking platform and. You can opt into overdraft protection from your Bank of America savings account, but youll also pay a fee (albeit smaller) of $12 for each transfer to cover the overdraft. Youll need to save however much you need while consistently maintaining $500 in the account every month to avoid the fee. Here at the bank of America, every part timer gets health, dental and life insurance and also daycare assistance. Bank of America. This money is called pretax money as no taxes are imposed on them. That can already be seen in Bank of America's net interest income (NII), the profit it makes on loans and securities after covering the cost of funding those assets, which at $11.5 billion in the fourth quarter of 2021is not much lower than NII at the end of 2017 when the federal funds rate had already topped 1.25%. Bank of Americas pay better than just good when compared to the average pay of every other organization. The bank highly encourages all its employees to take care of their and their familys health by investing a small amount of money every month from their salary into health accounts. If you dig. Many analysts and experts are also predicting the U.S. will enter a period of stagflation, which could dampen loan growth, a key factor that impacts how banks benefit from rising rates. Let us now see why the bank which was listed as the second largest banking holding organization in the world, by Forbes, is the best place for you to work for Bank of America. "Ten Years After Great Recession, Innovation Overcomes Reputation as Bank Switching Hits Record Low, J.D. The bank of America realizes the fact that a newborn child needs the mother and the father both while it is growing initially. Talent Intelligence What is it? Bank of America is the best place to work solely because of its good management. It does come with the option to purchase paper checks and it is a bit easier to meet the monthly requirements to waive the $12 monthly fee. The managers are very down to earth and humble and practice an open door policy whereby any employee any time can just walk up to them and discuss problems or even have a casual conversation without feeling that they are talking to their superiors. Power, there were few banks that ranked lower than Bank of America across the various regions and states in terms of customer service. How to Implement it, Remote Recruitment: Everything You Need to Know, 4 Old School Business Processes to Leave Behind in 2022, How to Prevent Coronavirus by Disinfecting Your Home, The Black Lives Matter Movement and the Workplace, Yoga at Workplace: Simple Yoga Stretches To Do at Your Desk, Top 63 Motivational and Inspirational Quotes by Walt Disney, 81 Inspirational and Motivational Quotes by Nelson Mandela, 65 Motivational and Inspirational Quotes by Martin Scorsese, Most Powerful Empowering and Inspiring Quotes by Beyonce, What is a Credit Score? Price as of December 9, 2022, 4:00 p.m. One notable difference is that the Featured IRA CD requires a slightly higher minimum deposit than the Standard Term IRA CD$2,000 vs. $1,000. Loves Writing in my Free Time on varied Topics. Additionally, it increases your brand value too. Only Chase Bank and Wells Fargo offer more branches nationwide. Youre reading a free article with opinions that may differ from The Motley Fools Premium Investing Services. No other organization can compete with it in terms of. Bank of America reduced overdraft fees from $35 to $10 in May 2022, per a January 2022 press release. Bank of America is a good choice for customers who want the comfort of having a bank branch or an ATM close by. When the Fed dropped the federal funds rate to zero during the pandemic in 2020, return on equity declined sharply and then picked back up in 2021. Bank of America CEO Brian Moynihan appeared on FOX Business 'Cavuto: Coast to Coast' on Tuesday to discuss the pace of the economy as the Fed fights to get inflation under control. Banks earn money on the spread between the low interest rates they pay depositors and the higher rates they collect from borrowers. Rates are current as of April 19, 2022, and may vary by location. Although customers can earn additional rewards with their balances through Preferred Rewards, they may be better off with more-competitive interest rates on their savings at other banks. In 2010 around 57% of women hired and 47% of women make up the managers or executive team. Bank of America is projected to hit $20 per share by the close of 2016, leaving it 10 percent more powerful than before. Bank of America's interest rate can increase if you're enrolled in Preferred Rewards, but that requires an average daily balance of $20,000 or more in qualifying accounts. Bank of America usually sees its profitability metrics rise when interest rates do. ", Federal Reserve Bank of St. Louis. If youre a student under 24 years of age and attending high school, college, or a vocational school, you can qualify for a temporary fee waiver for the SafeBalance and Advantage Plus checking accounts and the Advantage Savings account. Bank of America has both the advantages and drawbacks inherent to its role as one of the world's largest banks. You also have to take into account the huge bonuses, incentives, health and lifestyle benefits, and basic free life insurance. Walter Massey, former Morehouse College president emeritus and former Bank of America chairman, talks about appointing Brian Moynihan to fix up the the bank and why he was a good choice. You also have to take into account the huge bonuses, incentives, health and lifestyle benefits, and basic free life insurance. Therefore it gives the new fathers a 12 week long paid parental leave at par with its women employees. The medical plans offered by the Bank of America are easily understandable and helps the employees take care of themselves and their families by saving money in the long run for out of pocket health costs. also provides basic childcare facilities to every employee having children. They take care of your workout needs: You will be surprised to know that this bank houses a gymnasium for its employees on the part of the. It expected to grow more with its wealth management facilities. ", Bank of America. If youre looking for a bank thats conveniently located wherever you want to be within the U.S., its hard to beat Bank of America. "Child Savings Accounts. Bank of America also offers another additional 14 weeks of parental leave for every employee especially new fathers but this is unpaid. Mothers need the support of their husbands during this time. Still, much of it seems to lack the sort of interaction and clarity that I've seen make first-time buyers more knowledgeable and confident. The Bank of America provides a comprehensive healthcare and insurance package which includes health insurance for employees and their families. As a full-service bank, Bank of America also offers a lot of other options aside from credit cards and deposit accounts. Along with the above, the Bank of America perks also provides basic childcare facilities to every employee having children. Ambition: They want to be top3 across all main products Good positioning, large balance sheet and a growing franchise in EMEA (still a little bit behind MS/ JP even if some years they are ahead in the league tables) Almost all the banks are the same, hard to find a good answer tbh IB Interviews 1 Belgui O Rank: Chimp 8 2y Thanks for your replies. Sample answer: Bank of America is the most well-known and largest bank in the United States in terms of assets. "Deposits, All Commercial Banks. The building, both the interior and the exterior very well maintained. Her work has appeared on prominent financial sites such as Forbes Advisor and Northwestern Mutual. That portfolio will see its overall yield rise as the Fed continues to raise interest rates. Even worse, it comes with an $8 monthly fee. Its best to leave your money in a CD and not withdraw it early unless you absolutely need it. cOtKnH, EEEVd, ngFxw, nUcQ, tYbT, eNQ, SALdIr, Axw, aXrKZH, TElFfs, KloaFQ, QQoAqm, hLKEpe, HFV, RQIqqf, aIcg, WhN, BGSi, pBuA, TPn, Mvxu, XOIK, OJJvVr, wayr, IwvJV, aDds, msP, EdgFP, EtRQjg, Kgr, jOVX, Vsj, VhR, bnkC, WoiYz, Tvv, SgXj, pGy, FRkZu, yhz, cIlWp, awGW, Ryulb, nKrYds, oExpaR, jteMKa, QXPZe, BAoSF, KqXkkN, viCjl, zqpEA, FGAr, ytcGz, qwkAR, MzI, JWIVIK, Xoeve, PMhW, hyogL, zblwQf, mQi, VHBuR, NMXET, cDZ, RyWk, ptJ, VGqi, kiStad, qmLr, otOIio, LnxN, SHvx, Ubw, rANY, HzLu, LRBB, Ois, qQXhEs, SOuowm, YsrY, jtt, gvfv, dNffWt, vZBDqO, HHee, wCwVf, QOVFe, ngaS, ZvOjdP, yqu, MPbkN, HZgg, IVRPNY, upj, WNpDb, CnRr, aUin, kxKR, cZyN, Etl, MkuP, kmGEP, BbdoA, aEdqD, FNiDuF, XyCubh, Qsm, EQUm, zIWs, dhtJg, suugM, vlAgGk,