EX-99.1 2 ex99-1.htm AMC DILIGENCE, LLC ("AMC") EXECUTIVE SUMMARY

 

Visio 2020-1R Depositor LLC ABS-15G

 

 

Exhibit 99.1

 

 

 

EXECUTIVE SUMMARY

 

DESCRIPTION OF DUE DILIGENCE PERFORMED

(1) Type of assets that were reviewed.

AMC Diligence, LLC (“AMC”) performed certain due diligence services described below on business purpose loans. The review was conducted on behalf of Residential Credit Opportunities II, LLC (“Client”) from July 2020 to September 2020 via files imaged and provided by Client (the “Review”).

 

The securitization transaction referred to as the Visio 2020-1R transaction (the “Current Securitization”) has an aggregate

loan population of 1,530. In total during the Review, AMC reviewed a total of 72 unique mortgage loans for inclusion in the securitization.

 

In addition to the Review, AMC also previously performed certain due diligence services (the “Previous Review”) with respect to an additional 1,458 loans (the “Previously Reviewed Loans”) that are included in the Current Securitization and that were previously included in prior securitization transactions referred to as the RCO 2016-SFR1, RCO 2017-INV1, and RCO 2018-VFS1 transactions. Information with respect to the Previously Reviewed Loans can be found in (i) Exhibit 99.2 in the Form ABS-15G filed by RCO 2016-SFR1 Trust on November 16, 2016 (Accession Number: 0000891092-16-018916), (ii) Exhibit 99.2 in the Form ABS-15G/A filed by RCO 2016-SFR1 Trust on November 18, 2016 (Accession Number: 0000891092-16-018982), (iii) Exhibit 99.2 in the Form ABS 15G filed by RCO 2017-INV1 Depositor LLC and RCO 2017-INV1 Trust on October 25, 2017 (Accession Number: 0000891092-17-007626), (iv) Exhibit 99.2 in the Form ABS 15G/A filed by RCO 2017-INV1 Depositor LLC and RCO 2017-INV1 Trust on November 1, 2017 (Accession Number: 0000891092-17-007897) and (v) Exhibit 99.2 in the Form ABS 15G/A filed by RCO 2018-VFS1 Depositor LLC on November 13, 2018 (Accession Number: 0000891092-18-008231) (items (i) and (v) collectively, the “Previous Executive Summaries”). The AMC Loan ID# for each of the Previously Reviewed Loans can be found on Exhibit A attached hereto.

 

(2) Sample size of the assets reviewed.

The initial population consisted of seventy-two (72) mortgage loans with an aggregate original principal balance of approximately $11.635 million.

 

72 Loans were reviewed by AMC pursuant to the Review. To AMC’s knowledge, the Review covered 100% of the securitization loan population.

 

(3) Determination of the sample size and computation.

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the NRSRO(s) identified in Item 3 of the ABS Due Diligence-15E.

 

(4) Quality or integrity of information or data about the assets: review and methodology.

AMC collected data fields during the course of the review and compared it to the tape provided by the Client. The data reconciliation, where such information was available, involved 29 potential fields as listed below:

 

# of Units Interest Rate Life Cap Occupancy Refi Purpose
Amortization Type Interest Rate Life Floor Original Interest Rate Representative FICO
Borrower Full Name Interest Rate Life Max Original Loan Amount State
Borrower Last Name Interest Rate Periodic Cap Original LTV Street
City LTV Valuation Value Original P&I Zip
Debt Service Coverage Ratio Margin Original Term  
First Payment Date Maturity Date Property Type  
Index Type Note Date Purpose  

 

(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.

 

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AMC reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that were provided to AMC and/or as directed by Client. The credit review focuses on the borrower’s credit profile and adherence to guidelines. Conformity to applicable guidelines was also assessed during the review.

 

Credit Application: AMC verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section or attachments, and (iv) contained information concerning the borrowers’ property management / landlord experience.

 

Credit Report: AMC verified that a credit report was present for each applicable borrower and gathered data from such credit report including (i) representative FICO, (ii) credit scores from Equifax, Experian, and Transunion (if available), and (iii) the number and length of trade lines. In addition, AMC verified that any public records listed were disclosed on the application and adequately explained and in compliance with guidelines. Credit reports were not provided for Foreign Nationals.

 

Employment and Income: AMC determined whether applicable supporting employment and income documentation required by the guidelines was present in the mortgage loan file. While AMC did not calculate a borrower DTI, AMC did calculate a “Property DTI” per guidelines. This documentation included (i) monthly rental income information, (ii) property vacancy status, and (iii) the presence of Articles of Incorporation. In addition, a reserve calculation was performed in accordance with the guidelines.

 

Asset Review: AMC assessed whether the asset documentation required by the guidelines was present in the mortgage loan file.

 

Insurance: AMC reviewed insurance information in the file to verify (i) the presence of Rent Loss insurance equal to six (6) months PITIA, (ii) that hazard insurance met the minimum required amount of coverage in the guidelines, and (iii) that flood insurance certification was for the correct borrower, property, lender and loan number and was a “Life of Loan” certification. For properties in a flood zone per the flood certification, AMC confirmed that flood insurance met guidelines requirements (including coverage amount).

 

Title: AMC verified whether the appropriate vestee was on the title document (if a purchase, the seller; if a refinance, the borrower) and reviewed the Title Commitment for the disclosure issues such as assessments; covenants, conditions and restrictions; access problems; the vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; and environmental liens. AMC’s review looked for instances of delinquent taxes (non-liens) and the presence of oil, gas, water, or mineral rights.

 

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. For this review, procedures followed included:

■Reviewing the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation.
■Examining appraisal reports, BPO’s, and appraisal reviews to determine if the property type is consistent with underwritten property type and usage (such as evidence/an indication of either owner or tenant occupancy) and comparing this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adheres to the credit policy.
■Reviewing environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements.
■Reviewing credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet.
■Reviewing HUD-1’s, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements.
■Reviewing LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s).
■Reviewing Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property.
■Confirming, if applicable, business license(s) and P&L’s are present, valid, and adheres to credit policy requirements.

 

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■Confirming, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements.
■Reviewing final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file.
■Reviewing the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields, and verifying that the hand written Primary Residence address differs from the subject property address, and is signed/dated as required.
■Verifying presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures.
■Comparing the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity.
■Documenting any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue.

 

(6) Value of collateral securing the assets: review and methodology.

AMC reviewed the appraisal included in the loan file for the following information: (i) property type, (ii) age of appraisal, (iii) verification of the property address, (iv) completeness and appropriateness of the appraisal form, (v) the analysis of demand, supply, and marketing time as contained in the appraisal, (vi) property values, (vii) appraiser comments regarding lot size, zoning, and well and septic conditions as well as legal use restrictions, (viii) a comparable sales analysis including age, distance, and adjustments, (ix) property age, (x) predominate market value, and (xi) a quality and condition ratings. In addition, AMC sought to verify the licensing of the appraiser, if possible.

 

If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception and worked with the client on the next steps which included ordering of additional valuation products such as collateral desktop analyses, broker’s price opinions, and full appraisals. If the property valuation products included in AMC’s review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was generally ordered.

 

(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.

Not applicable.

 

(8) Other: review and methodology.

In addition to the procedures above, AMC conducted the following supplemental reviews:

 

Document Review

For each mortgage loan, AMC reviewed the loan file to verify whether the following documents, if applicable, were included in the file and if the data on these documents was consistent and logical.

 

Initial Application Personal Guarantee Mortgage/Deed of Trust
Credit Report Appraisal Note
Asset Documentation Title / Preliminary Title Certificate of Business Purpose / Non-Owner Occupancy
Sales Contract Final HUD-1 Article of incorporation, if applicable
Hazard and/or flood insurance policies Fraud/OFAC reports Landlord Experience
Operating Agreement Lease(s) and evidence of payment  

 

Compliance / Owner Occupancy Review

AMC reviewed the information contained in the mortgage file in order to: (i) verify the presence, signature presence, and correct address of a business purpose certificate and non-owner occupancy declaration, (ii) verify that the application and other supporting documentation (income/asset documentation, hazard insurance, license/passport/Visa, credit report, certificate of non-owner occupancy declaration) lists a borrower’s address different from the property address, (iii) verify

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that the appraisal states the property is tenant occupied or vacant, (iv) verify that the same person signed the application and non-owner occupancy declaration, (v) verify the presence of insurance (hazard coverage plus liability coverage; landlord/rent loss insurance) on the subject property, (vi) verify that the property appraisal contains a current rent / rental analysis, (vii) for a refinance and if in the guidelines, verify that there is a lease on the subject property, (viii) verify the presence of rental assignment language in the borrower contract, (ix) provide an indication whether the borrower is a renter or homeowner (if renter, reasonableness review of whether borrower is occupying the property based upon factors above and proximity), and (x) if part of the guidelines, confirm real estate landlord experience is present for the borrower (if not part of the guidelines, reasonableness review of whether borrower is occupying the property based on factors above and other indications as reasonably appropriate).

 

SUMMARY OF FINDINGS AND CONCLUSIONS OF REVIEW

AMC reviewed 72 mortgage loans in the securitization population. Of these loans, one (1) mortgage loan had an exception related to credit items and/or guideline adherence.

 

OVERALL RESULTS GRADING SUMMARY

After considering the grading implications of the Credit and Property/Valuation sections below, 100% of the Loans by number under the S&P grading criteria in the pool possessed a NRSRO grade of “A”, or “B”.

 

NRSRO Grade (S&P) # Loans % of Loans
A 71 98.61%
B 1 1.69%
C 0 0.00%
Total 72 100.00%

 

Please see the various summaries below and the Exception Detail section for additional detail on exceptions within each category of Review.

 

CREDIT REVIEW RESULTS SUMMARY

AMC conducted a credit review on all 72 loans in the securitization population. One (1) loan was found to have a total of one (1) guideline exception. The table below summarizes the individual exceptions which carried an associated “B”, “C”, or “D” level exception grade.

 

NRSRO Grade (DBRS & S&P) # Loans % of Loans
A 71 98.61%
B 1 1.69%
C 0 0.00%
Total 72 100.00%

 

Exception Type S&P Final Exception Rating Exception Category Total
Total Compliance Exceptions: 1
Credit B Credit 1
Total Credit Grade (B) Exceptions: 1
Total Credit Exceptions: 1

 

NON-OWNER OCCUPIED RESULTS SUMMARY

AMC reviewed all 72 mortgage loans for non-owner occupancy through the procedures above. None of the loans have an open exception concerning non-owner occupancy.

 

VALUATION RESULTS SUMMARY

AMC conducted a valuation review on all 72 loans in the securitization population. Under the applicable S&P NRSRO grading criteria, zero (0) loans were graded a “B” or “C”.

 

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NRSRO Grade (S&P) # Loans % of Loans
A 72 100.00%
B 0 0%
C 0 0%
Total 72 100.00%

 

TAPE DATA INTEGRITY REVIEW RESULTS SUMMARY

A tape integrity review was conducted by AMC utilizing data that was captured by AMC during the Guideline Review and comparing such information to the securitization tape. There were no discrepancies.

 

ADDITIONAL LOAN POPULATION SUMMARY*

Amortization Type Loan Count % of Loans Original Balance % of Balance
Fixed 43 59.72% $6,266,275.00 53.86%
Adjustable 29 40.28% $5,368,404.00 46.14%
Total 72 100.00% $11,634,679.00 100.00%
         
Lien Position Loan Count % of Loans Original Balance % of Balance
1 72 100.00% $11,634,679.00 100.00%
Total 72 100.00% $11,634,679.00 100.00%
         
Loan Purpose Loan Count % of Loans Original Balance % of Balance
Cash Out: Other/Multi-purpose/Unknown Purpose 40 55.56% $6,259,400.00 53.80%
Limited Cash-Out 3 4.17% $452,200.00 3.89%
First Time Home Purchase 2 2.78% $316,125.00 2.72%
Other-than-first-time Home Purchase 17 23.61% $3,118,954.00 26.81%
Rate/Term Refinance - Borrower Initiated 10 13.89% $1,488,000.00 12.79%
Total 72 100.00% $11,634,679.00 100.00%
         
Original Term Loan Count % of Loans Original Balance % of Balance
241-360 Months 72 100.00% $11,634,679.00 100.00%
Total 72 100.00% $11,634,679.00 100.00%
         
Property Type Loan Count % of Loans Original Balance % of Balance
Single Family Detached 31 43.06% $4,702,675.00 40.42%
Condo, Low Rise 1 1.39% $388,500.00 3.34%
Condo, High Rise 1 1.39% $161,250.00 1.39%
PUD 9 12.50% $1,857,512.00 15.97%
1 Family Attached 3 4.17% $352,687.00 3.03%
2 Family 15 20.83% $2,208,630.00 18.98%
3 Family 7 9.72% $1,282,675.00 11.02%
4 Family 5 6.94% $680,750.00 5.85%
Total 72 100.00% $11,634,679.00 100.00%

*Percentages may not sum to 100% due to rounding.

 

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EXHIBIT A

AMC LOAN ID#s FOR PREVIOUSLY REVIEWED LOANS

 

900008339 900009921 900016357 900012068 900008331 900008783 900009561 900011885
900016957 900013590 900010671 900011828 900012884 900013126 900009092 900008879
900006787 900015800 900012667 900014450 900016753 900013833 900007537 900009276
900008847 900015290 900016700 900006308 900006257 900007302 900008886 900012943
900011396 900010611 900010737 900008454 900006200 900014968 900015450 900008830
900008351 900006880 900010607 900011819 900011391 900012955 900713944 900713964
900713953 900713961 900713978 900713981 900713947 900713972 900713934 900713948
900714034 900713975 900713983 900713966 900713979 900713952 900713968 900713945
900713960 900713940 900713959 900713984 900713933 900713969 900713971 900713985
900713982 900713949 900713977 200495011 200495012 200495018 900713938 200495027
200495036 200495037 200495038 200495040 200495042 200495043 200495045 200495047
200495048 200495049 200495050 200549280 200549281 200549288 200549292 200549296
200549299 200549301 200549304 200549305 200549307 200549308 200549309 200549310
200549312 200549316 200549317 200549318 200549319 200549320 200549322 200549325
200549327 200688475 200688478 200688481 200688480 200688484 200688486 200688485
200688488 200688512 200688514 200688504 200688508 200688495 200688501 200688502
200688503 200688496 200688493 200688492 200688491 200688538 200688536 200688537
200688539 200688533 200688532 200688531 200688515 200688516 200688517 200688520
200688521 200688522 200688523 200688524 200688525 200688529 200688541 200688543
200688544 200688545 200688549 200688551 200688553 200688554 200688555 200794979
200794987 200794991 200794983 200794998 200795010 200794997 200795000 200795002
200794999 200794994 200794981 200795004 200795012 200795019 200795017 200795014
200795015 200795009 200823062 200823065 200823068 200823069 200823070 200823071
200823072 200823073 200823074 200823075 200823081 200823082 200823083 200823085
200823086 200954624 200954626 200954629 200954630 200954631 200954632 200954634
200954635 200954637 200954638 200954642 200954644 200954645 200954646 200954648
200954649 200954650 200954651 200954652 200954653 200954654 200954655 200954656
201002024 201002025 201002027 201002028 201002030 201002034 201002035 201002036
201002038 201002042 201002043 201002044 201002045 201002046 201002047 201002048
201002049 201002050 201002051 201002053 201002056 201064046 201064047 201064049
201064051 201064057 201064059 201064061 201064066 201191057 201191061 201191062
201191064 201191065 201191066 201191067 201191070 201191074 201540225 201540224
201540223 201540221 201540220 201540219 201540218 201540217 201540216 201540213
201540212 201540210 201540209 201540207 201540202 201556468 201556466 201540200
201636077 201636080 201636081 201636084 201636085 201636086 201636088 201636089
201636091 201636092 201636093 201630579 202240815 202240816 202240817 202240824
202240825 202240826 202240829 202240832 202240833 202240834 202240835 202240836
202240837 202240838 202240839 202240840 202240841 202240842 202240843 202240844

 

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202240845 202240846 202240847 202240848 202240849 202240850 202284772 202287022
202287024 900014465 900010199 200503433 201288585 201002061 201002063 201002064
201002065 201142160 201288587 201130742 201130743 201002083 201061600 201061601
201061602 201002071 201278915 201191013 201142161 201002072 201130745 201002073
201002074 201288588 201002084 201391861 201191015 201002078 201395876 201278916
201191017 201191018 201288589 201590454 201130751 201130753 201130754 201061597
201061598 201130756 201130757 201130758 201130759 201288590 201130760 201191020
201130762 201130763 201142171 201288591 201130764 201191037 201278922 201142172
201390851 201142174 201130768 201130769 201191055 201130770 201915987 201142180
201590455 201288592 201278924 201488819 201191044 201191045 201288593 201391863
201390230 201390231 201288594 201390854 201390232 201191047 201142182 201288598
201191049 201278928 201390234 201288602 201718895 201395883 201278929 201288603
201395884 201621746 201288606 201391867 201391870 201191052 201191054 201390856
201278931 201646724 201390857 201390238 201395886 201391871 201558664 201488823
201590456 201390241 201390242 201540418 201556283 201390859 201395890 201558665
201395892 201390860 201590457 201558666 201779895 201390862 201390863 201395897
201390865 201643538 201395898 201600756 201646725 201646726 201556285 201722099
201491138 201491139 201576336 201576337 201590458 201540421 201540422 201615074
201705975 201611915 201710420 201630674 201635286 201635287 201635288 201646727
201640882 201615077 201615078 201641819 201627676 201558662 201960126 201558663
201627677 201627678 201628050 201820305 201826866 201640883 201640456 201643809
201627679 201646728 201621749 201643539 201652906 201705979 201752091 201640457
201654819 201654820 201745704 201729318 201710421 201960127 201647938 201832712
201926042 201779896 202203546 201745705 201915988 202293085 201910276 201910277
201748395 201729320 201831190 201779897 201779898 201736177 201729321 202260436
201729322 201748396 201780395 201780396 201718898 201820306 201972756 201904472
201907272 201752092 201780398 201919445 201843725 201780399 201895513 201843726
202035563 201919446 201904469 202035564 202080293 202080294 202081459 201972758
202070266 201910278 201910279 201910280 201895511 201895512 201984793 201984794
202245095 202239892 202069057 202166316 201930999 202036241 201966065 202165545
201985056 201985057 202340222 202036244 202070267 202258133 202043334 202036245
202043335 202226564 202227874 202041556 202069061 202070269 202041557 202070272
202077374 202372299 202321765 202079115 202070275 202258134 202165547 202070270
202164567 202117664 202117665 202081460 202043336 202193958 202041559 202092486
202041560 202043338 202043339 202245097 202245099 202079114 202081461 202089059
202352179 202342056 202342057 202258135 202231143 202227876 202079113 202258136
202258137 202227877 202166317 202333257 202333258 202231144 202231145 202089060
202164566 202166319 202303347 202226567 202239896 202245098 202193959 202355716
202260434 202239889 202258120 202239890 202352858 202303348 202340221 202310665
202340081 202310666 202325542 202239891 202329100 202313481 202310667 202329101
202333260 202260435 202349033 202343662 202339881 202340224 202321767 202326193

 

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202342059 202326194 202321768 202326195 202325619 202343663 202325543 202293088
202325544 202333261 202333259 202325546 202347174 202293089 202352859 202326196
202349034 202349035 201391875 201390866 201764348 201611916 201648798 201600758
201640884 201642471 201640458 201647936 201627680 201643541 201647940 201654822
201708756 201648800 201752093 201984795 201764349 201718899 201764351 201801031
201832715 201832716 201708757 202258121 202258123 202239178 201061599 201395881
201600757 202421747 201985125 202077373 202355717 202384841 202388150 202384843
202388151 202392477 202392478 202396515 202396516 202396519 202396905 202402858
202418671 202421744 202425066 202425067 202725014 202425235 202425882 202396517
202402856 202403230 202403231 202403232 202444750 202404068 202418668 202418670
202421745 202425236 202425881 202444751 202444753 202462395 202462396 202418669
202421741 203056520 202425883 202426592 202480817 202480819 202489593 202489597
202492059 203111175 202494892 202494893 203112585 202494895 202499998 203111176
202499999 202502677 202502678 203156671 202505054 203168231 202505055 203355966
202480816 202492062 202494891 202505658 202505659 202505660 203358270 203358952
203360744 202505661 202505662 203547794 203573561 203600782 203627586 203645234
203658581 203658583 202515712 202515713 202515766 202515714 202515764 202515765
203647973 202515767 202515768 202516181 202534145 202534147 202534148 202549426
202549427 202549428 202549430 202558375 202558376 202558377 203973826 202558378
202558379 202579416 203973858 202579417 202637071 202637072 202637073 202637074
202638006 202638009 202642032 202642033 204092839 202642291 202642292 202646189
202646300 202646301 202646302 202647865 202647866 202647867 202647868 202647869
202648226 202648227 203668005 202648228 202648229 202648230 204078012 202649348
202649349 202649350 202649351 202649352 203669887 202689321 202689322 202689789
203669888 202689790 202689791 202689793 202690985 202690986 203647974 202690987
202690988 202690989 203634917 202693241 202693242 202698404 202698405 203647975
202698407 202700393 202700395 202700396 202702787 202791366 202702789 202702790
203668003 202703131 202704650 202705056 203475412 202705057 202705058 202705059
203498227 202707381 202707382 203498228 202725187 203658586 202791363 202791364
202791365 203498230 202791592 202791593 202792920 202792921 202792924 204092840
202792951 202793065 202793067 202795812 202796682 203647971 202802218 202796950
202800817 202800820 203360347 202801315 202802219 202802220 202795813 202802221
202692221 202692222 202692223 202692224 202692225 202703130 203358275 202708958
202708959 203360333 202710904 202710905 202725010 202725011 202725013 202725016
202725018 202725186 202725188 202728237 202728238 202759268 202759269 203416012
202790565 202790991 202790993 202790994 202793069 202800821 202802540 202813414
202813415 202813416 203305883 202813417 202815142 202815143 202816578 203360334
202816579 202816580 202817845 203204242 202837711 202853258 202853259 203170406
202853260 202859193 202859194 202863034 202898676 202898677 203158693 202906169
202906171 202914532 202914533 202917316 202924846 202924847 202924848 202928187
202940026 202940027 203168230 202940030 202952405 202953829 202955063 202953833

 

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