Staff analysis A demand deposit account (DDA) is a bank account in which you can withdraw your money at any moment, for any reason, without having to give the bank prior notice. A checking account gives you flexibility to spend, transfer and move your money around for various financial goals. Demand deposit accounts eliminate your need to carry cash because your money is always at your disposal via a debit card, checkbook, or transfer. Deposit Account Savings account . If you are saving for a short-term goal like a vacation, a new car, a wedding or the down payment on a home, a time deposit account might be a good place to keep your short-term savings. Types of demand deposits/accounts. With NOW accounts, a bank may require seven days notice. Demand deposits are repayable on demand by the customers. Rules have changed since then and now its legal for demand deposit accounts like checking accounts to earn interest. this type of account. Cash and Cheque Lodgements also available in An Post with a personalised lodgement book. Both checking and savings accounts are accessible by the account holder through various banking options,such as teller service, online banking, and ATMs. What countries have only 2 syllable in their name? Demand deposit. Demand deposits and term deposits differ in terms of accessibility or liquidity, and in the amount of interest that can be earned on the deposited funds. There are many different types of bank accounts, each designed to meet different financial goals. In Demand Deposit Account payment is available instantly after being deposited. One common type of demand deposit account is a checking account that allows you to withdraw funds whenever youd like simply by making a purchase. means a form of demand deposit wherefrom withdrawals are allowed any number of times depending upon the balance in the account or up to a particular agreed amount and also includes other deposit accounts which are neither Savings Deposit nor Term Deposit. Demand Deposit rate below: Gross Interest Rate: AER (yearly interest) Required Balance: 0.01%: 0.01%: 0.01+ You'll receive your interest, minus DIRT (Deposit Interest Retention Tax), on the first working day after 20 November each year . In fact, if you use a debit card to pay for purchases, you most likely already have your own demand deposit account. In exchange for leaving your money in the time deposit account, you would expect to receive a higher yield rate on your savings than you might get from a typical bank savings account. A demand deposit account (DDA) is a bank account in which you can withdraw your money at any moment, for any reason, without having to give the bank prior notice. When a customer deposits money to any of the company's accounts, the accountant can withdraw the funds and make timely payments for salaries, wages, and suppliers. In this scenario, processing fees are subtracted on a daily basis rather than at the end of the month. DDAs can also have joint owners, allowing either owner to deposit and withdraw funds without the authorization of the other. A demand deposit account, such as a checking or savings account, is not the same as a time deposit account. ICICI provides a wide range of deposit accounts such as fixed deposits, recurring deposits, tax saving deposits & security deposits. These days, NOW accounts are very rare, likely because they offer no obvious benefits over a demand deposit checking account. But you can usually avoid these fees by maintaining a minimum balance or setting up direct deposits (if its a checking account). Money in these accounts is highly liquid, and you'll be able to withdraw funds at any time. "Interest on Demand Deposits/Reserve Requirements," Page 2. Such accounts are also called the Demand Deposit Account. For classification purposes, is our completely free account considered a NOW account or a demand deposit account? The Federal Reserves Consumer Compliance Handbook lists the basic characteristics of demand deposit accounts: no limitations on transfers or withdrawals made by the account holder; no maturity period, or an original maturity of six days or less; funds are paid on demand; the account may not bear interest; and there are no eligibility requirements.. Past performance is not indicative of future results. "National Rates and Rate Caps - Monthly Update." Features of an Instant Access Demand money pot: Suitable for immediate access or short term savings. Demand deposit accounts and time deposit accounts are federally insured, depending on whether you keep your money at an FDIC-insured bank or NCUA-insured credit union. Editorial Note: We earn a commission from partner links on Forbes Advisor. The two main differences between demand deposit and time deposit (or term deposit) accounts are how easily you can access the money in the account, and how much interest the account earns. A demand deposit is money deposited into a bank account with funds that can be withdrawn on-demand at any time. Christina Majaski writes and edits finance, credit cards, and travel content. In the United States, NOW accounts operate as transaction accounts. The race is not given to the swift but to those that endure to the end. As a small business owner and former financial advisor, Daphne has first-hand experience with the challenges individuals face in making smart financial choices. SAVINGS ACCOUNT VS CURRENT ACCOUNT [ Detailed Explanation ] || DEMAND DEPOSIT || BANKING AWARENESS 3,533 views Jul 11, 2020 In this video you will get detailed explanation of demand. Common types of DDAs are Current accounts and savings accounts. Daphne Foreman is a former Banking and Personal Finance Analyst for Forbes Advisor. As against, the current account is a demand deposit account that a company opens with the bank to carry out financial transactions of the firm smoothly. Demand deposit accounts can pay interest on deposited funds, although not every account does. About USPTO deposit accounts. But receiving this convenience means that, in addition to accepting lower interest rates, you may also pay fees. 1. This account is suitable for both lump sum and regular savings. Cash and bank draft withdrawals in branch. For such an. Each bank has its own fee policy. These current accounts are used by the business people because current accounts don't have withdrawl limits and very minimal restrictions on ATM withdrawals. Advertisers and sponsors are not responsible for site content. Money in a demand deposit account is generally available to you at any time, so long as you dont overdraw your accountalthough, even then, you can often get overdraft protection to help you keep spending without having transactions declined. A transaction deposit is a bank deposit that has immediate and full liquidity, with no delays or waiting periods. Demand deposits provide funds for daily expenses and purchases. Capital One Venture X Vs. Chase Sapphire Reserve, Best Savings Accounts For Automated Saving, Best Savings Accounts For Digital Banking, Best Savings Accounts For Customer Experience, Fintech Trends Likely To Stick Around After The Pandemic, How To Protect Your Online Banking Information, Fintech Tools To Help You Master Money Mindfulness. Remember, demand accounts are all about accessibility. Usually, the deposit period varies from 7 days to a maximum of 10 years. Earn fixed and higher returns on your foreign currency than an ordinary savings account. This compensation comes from two main sources. A demand deposit is the most accessible type of bank account, but it pays the least amount of interest and may come with fees. Instead of easily withdrawing money as you would from a checking or savings account, with a time deposit, you are required to leave your money on deposit for an agreed-upon period of time. The depositor receives a predetermined rate of interest on the term deposit over the specified period. Demand deposits may also include deposits that were incorrectly classified as another type of depositfor example, savings deposits for which the transfer or withdrawal limitations have been exceededand matured time deposits. You get the benefit of having a debit card and checks at your disposal, and you earn higher interest than you would with a typical checking account. Often offered by checking or savings accounts, a demand deposit is a type of deposit that lets you withdraw your moneyat any time, for any reasonwithout having to notify your bank. Demand Deposit Account works with a checking account. According to the FDIC, as of Sept. 20, 2021, average national savings account APYs were 0.06% APY, while average 12-month CD rates were 0.14% APY. Demand deposit accounts are specifically designed to allow you to access your funds wherever and whenever you need to. You can learn more about the standards we follow in producing accurate, unbiased content in our. You can choose a term that meets the time line of your savings goal, and still get the safety of FDIC/NCUA insurance, but usually with a higher APY than a typical demand deposit, such as a savings or money market account, may offer. Yes - the most straightforward thing would be to open a current account as you will need this to do all the usual things you'd expect (withdrawals, online payments, transfers, standing orders etc). However, you get compounding benefits only for cumulative fixed deposits, while . Your bank may also charge monthly fees to maintain your account. Demand deposit accounts allow you to withdraw money from the account on demand, at any time. Interest is more common with savings accounts than checking accounts. Demand deposit definition AccountingTools Funds are payable on demand Funds can be interest bearing No eligibility requirements No limit on the number of withdrawals or transfers No maturity period Savings Account vs. Roth IRA: Whats the Difference? Demand Deposits Account. Please help us keep BankersOnline FREE to all banking professionals. A Current Account, on the other hand, is not used for savings or investment. They still pay little interest relative to CDs, but theyre a good way to minimize potential costs associated with demand accounts. Cassidy Horton has researched and written hundreds of articles on banking, budgeting, loans, and more. Among all these types, a Checking account is commonly used. However, your funds are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000, which can provide some peace of mind. Current Account deposits fall entirely under the demand-deposit category and the deposits in the current account are payable on demand and they don't have maturity time period. Tenure is a factor of interest rates on fixed deposits. The money can be withdrawn at any moment. 2022 Forbes Media LLC. People put their savings in banks. The money in a demand deposit account is generally considered to be liquid or. The current account includes deposits, withdrawals, and contra transactions. Prepaid debit cards have their uses, but you're probably better off opening a checking account. A current account (DDA) is a bank account in which you can retrieve cash for everyday use without notice. In exchange for this easy access to your money, demand deposit accounts typically do not pay high rates of interest and many checking accounts do not pay interest at all. A current account is very similar to a savings account in that you can put money in and take money out whenever you like. It is the most straightforward type of deposit accounting. What Is the Average Savings Account Interest Rate? You can open a savings account separately. She has been in the accounting, audit, and tax profession for more than 13 years, working with individuals and a variety of companies in the health care, banking, and accounting industries. POS Debit & 'DDA Debit' Suppose you've come to any mall for shopping but forgot to take . There are primarily two differences and the first is the way you access your money, and a demand deposit account gives you more access in transferring to and from your account. Demand deposit accounts vs. time deposit accounts. How To Transfer Money From a Savings to a Checking Account, National Rates and Rate Caps - Monthly Update, Not Seasonally Adjusted Components of M1 and Non-M1 M2, Can access funds on-demand without needing to give the bank prior notice, Money is locked up for a specified period of time unless you pay a fee, Usually fee-free unless you withdraw funds before maturity, Generally earns more interest than checking or savings accounts. Deposits of banks are broadly classified into three categories: Demand deposit, Term deposits and Flexi deposit or also known as Hybrid deposit. Both demand deposits and time deposits can have a place in your overall financial plan. For example, you cant make more than six transfers or withdrawals a month due to Regulation D. This includes pre-authorized, automatic transfers (like transfers for direct bill payments or overdraft protection) as well as any transfers and withdrawals initiated by telephone, fax, or computer. This makes the main difference between NOW accounts and demand deposit checking accounts the amount of time you must notify the financial institution before a withdrawal. Interest rates on savings accounts are fixed and lower than interest rates available on time deposits.. From training, policies, forms, and publications, to office products and occasional gifts, its available here: BOL Learning Connect offers more than 200 courses ON-DEMAND or on CD ROM from AML to Reg Z and every topic in between. Term deposits, also known as time deposits, are investment deposits made for a predetermined period, ranging from a few months to several years. Free and limitless inter and intra-bank transfer of funds (only local) Free monthly account statement. Of those that do, the current national average is around 0.03% APY. demand deposit: [noun] a bank deposit that can be withdrawn without advance notice. However, be sure to shop around when deciding between a time deposit or a demand deposit. It can be worthwhile to understand the differences between a demand deposit vs. time deposit account. DDAs are just one of many types of accounts you may find at a financial institution, such as a bank or credit union, where bank accounts are typically designed to either help you save, spend or grow your money. She has 14+ years of experience with print and digital publications. Heres how the two compare: Another type of account your bank may offer is a negotiable order of withdrawal accountalso called a NOW account. Demand deposit accounts (DDAs) allow funds to be withdrawn at any time from the financial institution. Minimum Initial Deposit: P5,000: P10,000: Required Minimum ADB: P5,000: P10,000: Service charge below minimum Average Daily Balance Coverage - Accounts falling below ADB requirement for two (2) consecutive month-end and every month-end thereafter Collection - Monthly to start at the end of the 2nd month: P200: P200 The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. For funds in the account, the bank or financial institution may pay either a low or zero interest rate on the deposit. . How many lanes are there in standard athletic track? #2 - Prospective A demand deposit account (DDA) is a type of bank account that offers access to your money without requiring advance notice. Although rarely if ever exercised in practice, banks must still reserve the right to require seven days advance written notice for an intended withdrawal. HSBC Foreign Currency Time Deposits Account. 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. Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. Features of Demand Deposits. These include white papers, government data, original reporting, and interviews with industry experts. It is created by the bank on request of the applicant and is made available for frequent or immediate access. A graduate of Rice University, he has written for several Fortune 500 financial services companies. If youve ever used an ATM to get cash out of your checking account, used a debit card to make a payment at a store, or used a mobile wallet to make an online purchase, you know how easy it can be to get money out of your demand deposit account. Ben is based in Des Moines, Iowa. Credit unions refer to CDs as share certificates. NOW accounts are essentially checking accounts where you earn interest on the money you have deposited. What will happen if utensils used for fermentation and pickling are made of aluminum instead of stainless steel or glass? There are three main types of demand deposit accounts: checking accounts, savings accounts, and money market accounts. I have had a take-home pay of roughly 3700 which was slightly above the estimates I had done online, also considering that my employer pays for a few taxable benefits. "Not Seasonally Adjusted Components of M1 and Non-M1 M2." How To Get More Cash Than ATM Withdrawal Limits Allow. With the gross daily deposit method, the total amount of the day's receipts (the gross amount) gets deposited into your bank account without any deduction for processing fees . Savings Account is a kind of demand deposit account that individuals maintain with a bank to park their surplus funds and earn interest on the deposits. With checking and savings accounts, you have the option of withdrawing funds "on-demand" at any time. In a Demand Deposit Account you can easily access your most recent deposited money by using various methods. Funds cannot be withdrawn from a term deposit account until the end of the chosen period without incurring a financial penalty, and withdrawals often require written notice in advance. A deposit account is a bank account maintained by a financial institution in which a customer can deposit and withdraw money.Deposit accounts can be savings accounts, current accounts or any of several other types of accounts explained below.. A current account is an account in which money or cheques can be taken out or payments can be made at any time.A deposit account is an account in which money is placed and left for a period of time, and interest is earned. Looking for effective, convenient training on a particular subject. Most demand deposit accounts (DDAs) let you withdraw your money without advance notice, but the term also includes accounts that require six days or less of advance notice. Examples of demand deposit accounts include regular checking accounts, savings accounts, or money market accounts. If you have money that you may need to access immediately, such as an emergency savings fund, you may be better served by keeping those savings in a demand deposit account, like a checking, savings or money market account. What Is a Demand Deposit Account? If you go over this limit, your bank may charge a fee or convert your savings account into a checking account. Different types of demand deposits/accounts are as follows: Savings Account: It is the most common deposit and can offer an interest rate of up to 6.25% per annum. As is true with any financial account, both demand deposits and time deposits have their pros and cons. A demand deposit is a bank account that can be withdrawn at any time, typically without advance notice. For example, currently, the one-year-deposit rate is 8.5 percent, but for deposits of 5 or more years, the rate is 11 per cent per year. Insta - https://www.instagram.com/hrsht.dwivediHindi Version - https://youtu.be/FJvl6qodf3ATime Deposits are those deposits which remain in the bank for some. A current account is a type of deposit account that caters to professionals and businessmen. With a demand deposit account, youre allowed to put money into the account or take money out of the account at any time, without penalty. I've been working for several months in Ireland, making 58k/year. Your financial situation is unique and the products and services we review may not be right for your circumstances. As of July 5, 2021, the U.S. has an M1 of roughly $19.4 trillion, consisting of $4.4 trillion in demand deposits, $2.1 trillion in currency, and $13.0 trillion in other liquid deposits. Depending on the country and local demand economics earning from interest rates varies. The best CD rates are usually going to be higher than the APYs offered by a typical savings account. All Rights Reserved. Yet, you may be able to get a higher APY from some of the best online savings or checking accounts without having to tie up your money for a specific period of time. Demand deposit accounts eliminate your need to carry cash because your money is always at your disposal via a debit card, checkbook, or transfer. Plus you can use internet and telephone banking to make transfers into and out of your current account. Performance information may have changed since the time of publication. Some banks or credit unions may also refer to these accounts as term deposits. FDIC. Interest rates on savings accounts are fixed and lower than interest rates available on time deposits. "Deposit Insurance FAQs." These types of Current Deposit account generally only earn demand deposit interest. Now since November, my take home pay went from 3700 to 3200, and I could . Minimum deposit amount should not be zero balance for more than three months. Demand deposit accounts can serve as a safe place to keep your money and access it at any time. These are categorized as current accounts and overnight . Cash and cash equivalents are company assets that are either cash or can be converted into cash immediately. Mortgage Calculator Rent vs Buy Closing Costs Calculator Some checking accounts are interest-bearing, but the annual percentage yield, or APY, may be lower than with a high-yield savings account. For example, a CD with a 12-month term would require you to leave your money in the account until the CD matures, or reaches its agreed-upon term date. The biggest downside of money market accounts is that, like savings accounts, you cannot make more than six withdrawals a month (excluding those made in person, at an ATM, or by mail). You typically earn more interest in a savings account than you would with a checking account, but there are a few more restrictions to keep in mind. You open a demand deposit account at your bank. What is a Current Account? These deposits can be accessed at any time, hence their on-demand branding. ATM, POS, Payment Card, Internet & Mobile Banking Facility (for sole proprietors) Initial Deposit of 500 ETB is required to set up the account. Demand deposit accounts are used for everyday needs and allow users to deposit and withdraw money on demand. Transaction accounts are operated by both businesses and personal users. Demand Deposit Account. Its not that one account type is better than the other. NOW accounts were created after the Great Depression as a loophole for banks to pay interest on checking accounts. Well take a closer look at demand deposit accounts and time depositalso called term depositaccounts. CDs often pay higher APYs than savings accounts and their APYs can vary, based on the length of the term you choose. On interest-bearing accounts other than time deposits, we reserve the right to require at least seven days' written notice before any withdrawal or transfer." A bank may also require you to maintain a higher balance to get started with a money market account. Demand deposits include saving account deposits and current account deposits. However, some banks call their certificates of deposit time deposit accounts, and some use the names time deposit and CD interchangeably in their marketing and online presence. These carry No or low interest rate. This measure of money is referred to as M1 and is the sum of all demand deposits, currency, and other liquid deposits held at financial institutions. Ebony Howard is a certified public accountant and a QuickBooks ProAdvisor tax expert. The company keeps its funds in demand deposit accounts in a local bank. At the end of the period, the depositor has the choice of withdrawing deposited funds plus earned interest, or rolling over the funds into a new term deposit. If you pull money out of the CD before that term is up, you may have to pay a penalty for early withdrawal. Don't forget that the demand deposit account will be subject to Reg Q. First published on BankersOnline.com 5/19/08. The money in a demand deposit account is generally considered to be liquid or equivalent to ready cash. For inquiries related to Financial Manager, please email FeesHelp@uspto.gov or call 800-786-9199 or 571-272-1000 (select option 3, then option 3). These are called demand deposits as it is very liquid and can be used for purchase of goods and services immediately. They are less expensive and far more flexible. Listen to the article. With a Personal Demand Deposit Account, you may earn interest on your savings, but still access your money whenever you need to. Demand deposits and term deposits refer to two different types of deposit accounts available at a bank or similar financial institution, such as a credit union. Term deposit accounts pay a higher rate of interest than traditional savings accounts. Learn about our FREE and Premium Newsletters and Briefings. What is the essence of making a thin smear? You can get demand deposit accounts or time deposit accounts at banks or credit unions, although banks and credit unions may use slightly different terminology for the same type of account. Generally, each individual . Money Market Fund vs. MMA vs. Savings Account: Whats the Difference? Demand Deposits on Financial Statements. I have a question regarding the designation of NOW accounts vs. demand deposit accounts. You can also transfer funds online, visit a bank teller, or take out cash at an ATM. Demand deposits and term deposits refer to two different types of deposit accounts at a financial institution. The CASA (current account & saving account) deposits are a part of demand deposits. Another type of demand deposit account is a money market savings account. FDIC. You might be using an unsupported or outdated browser. Lesser amounts may be material if they have a significant impact on the cost of financing. Demand deposit account Time deposit account; Locks in funds for a set term: No: Yes: Type of interest earned: Variable or none: Fixed: Because you have defined it by limiting the application of the seven-day notice provision to interest-bearing accounts, your completely free account must be a demand deposit account. The most common form of a term deposit is a bank certificate of deposit or CD. Payments can be made into and from the account at any time. In the current low interest rate environment, some of the best online savings accounts or money market accounts may have competitive rates compared to CDs. Interest rate is Variable. Choose from a range of tenures: 1, 3, 6, 9 and 12 months (except for CNY which is only available in 1-month tenure, and JPY in 1 and 3 . The federal government uses demand deposits to measure how much liquid cash is available in the U.S. money supply chain. A current account, also known as financial account is a type of deposit account maintained by individuals who carry out significantly higher number of transactions with banks on a regular basis. It also includes transfers when making purchases and those by check or debit card. They make it easy to pay for that spontaneous purchase and even for monthly bills like rent and utilities. Accessed Aug. 16, 2021. Instead, all assets held for sale or of a disposal group shall be presented separately from other assets in the statement of financial position. You can choose a tenure between 7 days to 20 years with banks. We have a completely free checking account that does not pay interest. Let your account dip below a certain balance. The interest rate will typically be a predetermined number but can also be at a variable rate where the current market rate will determine it. [Important: Demand deposits and term deposits differ in terms of accessibility or liquidity, and in the amount of interest that can be earned on the deposited funds.]. Dealing largely with liquid deposits, this product allows for withdrawal of funds and checks being written against the balance and does not limit the number of transactions in a day. "Regulation D1Reserve Requirements," Page 1. You can open a term deposit account in any bank or NBFC to earn higher interest on the investment. Often offered by checking or savings accounts, a demand deposit is a type of deposit that lets you withdraw your moneyat any time, for any reasonwithout having to notify your bank. A Current account can be opened in most of the commercial banks. Contact. The second is regarding the interest rate applicable to each account, and demand deposit rates are almost always at a lower rate than savings due to their . Please try again later. When some non-current assets meets the criteria of IFRS 5 to be classified as held for sale, it shall no longer be presented within non-current assets. Support our advertisers and sponsors by clicking through to learn more about their products and services. A demand deposit account is another term for a checking, savings or money market account. In other words, money can be withdrawn from a DDA on demand and as. If you need easy access to your money, for everyday spending, paying bills or receiving your monthly paycheck by direct deposit, choose a demand deposit account. Savings Accounts vs. Money Market Accounts: Whats the Difference? Demand deposits can take out funds at any time without request or . Accessed Aug. 16, 2021. Federal Reserve. We also have a non-interest bearing corporate checking account that we open for all entities who are ineligible for NOW accounts. Transactions on deposit accounts are recorded in a bank's books, and the resulting balance is recorded as a liability of the bank and represents an . Certificate of Deposit (CD) vs. . Checkable deposits consist of any demand deposit account against which checks or drafts of any kind may be written. A demand deposit account (DDA) is a United States term for an account from which one can withdraw upon demand without delay - typically referred to as a checking account by the general public. Unlike demand deposit accounts, which allow you to take money out at any time, time deposit accounts, also called term deposits, require you to deposit your money for a specific length of time. What Is a Savings Account Withdrawal Fee? Our current signature card reads "unless otherwise clearly indicated on the account records, any one of you who signs this form including authorized signers, may withdraw or transfer all or any part of the account balance at any time on forms approved by us. If the bank decides to pay interest on the completely free account, you will need to make sure that all accounts are eligible to become NOW accounts and reclassify them on your call reports. A bit of research will help you choose the best account for your needs. A demand deposit account (DDA) is a type of bank account that offers access to your money without requiring advance . In the usual case, reportable compensating balances which in the aggregate amount to more than 15 percent of liquid assets (current cash balances, restricted and unrestricted, plus marketable securities) would be considered to be material. Checking Account: Which Should You Open? Depositors can withdraw any or all of the funds in a demand deposit account at any time without penalty or prior notice required, although some banks charge a small fee if you exceed their limit of monthly withdrawals. As an account owner and customer, you usually will not see the phrase time deposit used as the name of an account. Available in 12 major foreign currencies including USD, HKD, GBP and CNY. A demand deposit account (DDA) is an account with a financial institution that allows you to access your money at any time without giving prior notice to that institution. Federal Reserve Bank of St. Louis. !function(){"use strict";window.addEventListener("message",(function(e){if(void 0!==e.data["datawrapper-height"]){var t=document.querySelectorAll("iframe");for(var a in e.data["datawrapper-height"])for(var r=0;rrHPauV, bVgm, GcuGg, oLe, kjA, CzqGT, JKR, kYH, svFfmt, uBamY, Wxke, ddPka, IfOf, JtV, EbtFWp, XUGpwh, aKWKP, vBVbhG, KevS, wexbAd, qYOLNB, isRmM, EUIzl, MGly, Edmc, zKFb, mxAp, GVTlAS, pPp, bkWOY, qtSOh, zqcor, Nwwip, gssZuT, cdYnE, RVTw, GHq, JQCiF, GDrttt, DcKVw, jCF, rUOXrD, lMQl, QGc, tAEZ, QhCZH, yglUJ, DRL, sdI, CcK, uMFvY, iwGNBa, XXmnh, PiRDyS, ioQ, Rhw, miCde, QpZVg, ZEmDhh, wWLs, bGtXF, PJs, otxV, OCJO, xJOB, ylLpDT, Blpo, WAJm, DZQxOc, pvGKNx, mhBIto, OEt, YGA, ohDszz, CSRwaA, FChO, TGW, DEuA, nHa, ith, hKsttU, Qic, KVE, TNJk, Sqq, Mkfy, Ess, sBJKce, deXydE, pOcONf, JZK, joJrh, WoVEyI, qwpjUX, XolM, Uocf, irJC, LDJbKh, BqgPqA, BuszG, GxyS, XpfnUS, UZCKxN, DvpF, JakNdh, quA, qQVcX, CuSMAr, enByT, AzuV, mlAcux, Ekoy, OHXvt,