institutions used bank instruments to generate revenue to fund The golden rule in lending is quite simple "He who has the gold, RULES!" sok channy financiall Limited are genuine and reliable providers of loan, international project funders, Lease bank guarantee providers & providers of sblc, dlc and letters of credit. What is SBLC used for? Banks have been using leased MTNs for decades, and maybe a good option for unconventional financial funding. drawdown begins. A standby letter of credit, abbreviated as SBLC, refers to a legal document where a bank guarantees the payment of a specific amount of money to a seller if the buyer defaults on the agreement. All SBLC/BG are Asset/Cash backed. instrument, the wording would have to include that the SBLC is We have listed our procedure as follows: To start the process, send us a letterindicating that you (or your client) has (or can get) a financial instrument in the amount of $ that he would like to use as collateral for a $ loan. Standby letter of credit (SBLC) is a process involving monetizing of bank instruments such as BGs, LCs or SKRs with an aim to fund projects. like this would work? Commercial developments can also benefit from this funding method because no anchor or tenant rolls are required. The level of collateral will depend on the risk involved, the strength of the business, and the amount secured by the SBLC. are numbers for indicative purposes only to demonstrate how a program This ensures a kind of additional safety for the seller.. When setting up an SBLC, the buyers bank performs an underwriting duty to verify the credit quality of the buyer. through institutional funders. Upon receiving the Funding Commitment Letter, Client sends the Instrument to Lenders Bank viabank-to-bankSWIFT for verification within 30 days after such acceptance. Financing projects with an SBLC can be a cheaper and faster route as the procedure takes a few weeks and is less onerous. Please note; it is our requirement that we ask you to provide Proof of Funds and/or a bank comfort letter. Enter your email address below and a PDF copy will instantly deliver right to your inbox. Financial Modeling & Valuation Analyst (FMVA), Commercial Banking & Credit Analyst (CBCA), Capital Markets & Securities Analyst (CMSA), Certified Business Intelligence & Data Analyst (BIDA), Financial Planning & Wealth Management (FPWM), The financial-based SBLC guarantees payment for, , as stipulated in the agreement. I. f there is a different amount, interest rate, term or recourse/non-recourse situation, then the receiving bank would just take out the offer shown here and substitute in their own offer. finance. However, the funds shall be received from the buyer. Since it is a credit, the bank will collect the principal plus interest from the buyer. Global Project Finance Limited Certificate. This supports the obligation of the buyer to pay funds. Project finance and investment lending from ESFC Investment Group: Hydroelectric power plants (HPP): project finance and loans, Offshore wind farms: funding for projects, Commercial real estate (CRE): lending and financing, Reduction and minimization of project financing costs, Investment companies and funds in the United States, Residential property construction financing: lending and opportunities for diversification, Investments and loans for the cement industry. If the buyer should fail to deliver payment after the goods or services are delivered, the bank will cover the debt. Arcturus Ventures Group, LLC and or any of their employees, subsidiaries (AVG), affiliates or strategic partners, are not Certified Financial or Investment Advisers, Licensed Real Estate Brokers, Mortgage Lenders, Bankers, Registered United States Securities Dealers or Brokers. Please note that monetising a leased SBLC is very BORROW100% OF FACE VALUE AGAINSTYOUR BG, SBLC/LC, MTN OR SIMILAR QUALIFIED BANK OR INSURANCE GUARANTEE INSTRUMENT AT LIBOR + 8% INTEREST, OR MONETIZE IT UP TO 92% OF ITS FACE VALUE. It works as a Commercial Standby as it supports the buyers commitment to pay for goods/services if other payment methods dont work. generated from trading is yours to keep and is not considered as a A standby letter of credit is often required in international trade to help a business obtain a contract. Euroclear is one of the most established financial transaction networks in Europe. Leased programs (please check with us . Financing projects with an SBLC can be a cheaper and faster route as the procedure takes a few weeks and is less onerous. monetiser. (Our Principal DOES accept Leased Instruments). It is generally valid for 1 year or so. A Standby Letter of Credit is a type of LC. conditions on the DOA would require that the borrower/lessee pays the 5, 17/F Bonham Trade Center, 50 Bonham Strand, Sheung Wan, Hong Kong, Executive Office Address: The Sun Avenue, 28 Mai Chi Tho Street, An Phu Ward, District 2, Ho Chi Minh City, Vietnam. Standby Letter Of Credit (SBLC) is a form of good faith in business deals and transactions.. ESFC Investment Group offers large long-term loans and other ways to finance residential property construction projects in Europe, USA, Canada, Latin America, Middle East and other regions. . Tel: (+84) 386001527, WhatsApp: (+84)386001527 , 2023 Global Project Finance - Project finance & Debt finance, Your success is our success - Thit k bi sikido.vn, You are applying for a Business Loan provided by Global Project Finance, You are applying for a Personal Finance provided by Global Project Finance. After a thorough and extensive review of the applicant/beneficiary followed by the Provider, the applicant/ beneficiary will be given the Deed of Agreement (DOA) Format that lists the Terms and Conditions of the Contract, approved contract amount (Face Value), schedule, price, etc. Clientsends a POF to us via his bank statement showing that he has a REFUNDABLE US$150,000 (min.) But an SBLC can add credibility to a project to avoid upfront payment. SBLC Financing offers "The Collateral Loan Program", commonly called the "CD PROGRAM", is an established system of financing that uses traditional banking mechanisms as its fundamental components. collateral thus can provide to the bank the collateral they require Standby Letter Of Credit (SBLC) is a form of good faith in business deals and transactions. at a rate of interest determined by the funder and/or equity share Our support available to help you 24 hours a day, seven days a week. An SBLC is payable when called upon by the beneficiary and may be used in international trades or could sit as an element of a construction contract. Depending on the actual final cost, there may be resulting credit or a balance still owing above the $25,000, which can be settled up after the close of the loan. Our financial investment and banking sources are worldwide private investors and have relationships with international financial institutions. Here our lending group seeks a 75-85% LTV on the SBLC. Anticipated LTV would be 70% so $240m would become $168m USD. SBLC, which is sought by a business to obtain the contract, the contract related to it often includes a standby agreement because the banks pay only in a worst-case scenario. Here of course a buyer is sure to receive the goods and the payments in case of a seller. The result is a stable structure that procures 100% monetary instrument collateral for project financing. We give loan at 3.5% interest rate for 10 years maximum. the main, bank instruments aim to provide assurance that payment can In this case study the client needs $50M - $500M to secure the purchase of land needed for a project . It is intended to eliminate the risk factor from a contract between two parties. months to assess the project, go to their credit committee, have Minimum Project Loan forthis program is $25M USD, Non-Recourse, no personal or corporate guarantees, Borrower can capitalize interest and fees, Lending group seeks a minor equity participation in the project, Very flexible repayment options. will trade at 10% per week = $14.64m USD, Deduct There maybe ways to get access to Bank Drafts, but you typically need access to an investors cash fund to be successful in your financial adventures. Some monetisers will offer monetised funds on a along with your DOA a copy of your passport/id as well as a The lender will ask for a minor equity ownership position in the project, which will always include anegotiated and mutually acceptablebuy-out clause. undertaking along with the invoice for the SWIFT and bank arrangement As a result they will almost always ask you to look at the "SBLC verbiage". ), There are In A standby letter of credit is used in international or domestic transactions where the seller and the buyer do not know each other, and it attempts to hedge out the risks associated with such a transaction. They also offer private investment for qualified projects. If the offer is an immediate one-time, non-recourse payout at closing, the target LTV is between 75% and 85%. Trade Finance Global is the trading name of TFG Finance Ltd . It must be remembered that a Standby Letter of Credit is also a major financial instrument that underpins global trade. To accomplish this our lending group requires the borrowing group's banker to send the borrower (as their client) an email that can then be forwarded to our lending groups banking and legal teams assigned to the transaction. Click on the button below to contact us, and learn more. ESFC provides a full range of services for chemical companies, including construction of chemical plants and financing of large investment projects. collateral). The interest rate applied to the project loan is dependent on how the SBLC is monetized. Simple theme. These Posts about SBLC project finance written by SOK CHANNY FINANCIAL SERVICE LTD. Here are a few examples of some of the SBLC programs: Min 100M face value. Our new service is powered by modern technology, one of the worlds most innovative credit providers, which has already processed hundreds of loans. The method is on the rise. Maximuch's Non-recourse Project Finance Team offers: 1. Very often the terms and SBLC is used both in international and domestic transactions. In order to receive cash funds or raise a credit line against a bank instrument, it is important that the bank instrument is worded specifically for the purpose of receiving cash funds for either viable projects, Platform Trading or securing a credit line. ESFC promotes long-term investments with a minimum project initiator contribution (10%) and offers financing for the construction of waste processing plants around the world. only fee payable by the project is the Swift fees. Confirmation if it will be a non-recourse payout, or a recourse line of credit. Interest on loan is LIBOR plus 8%. What is SBLC? SBLC to back a line of credit, do be aware that often it has to be a Procedures are simple: COMPLIANCE. A standby letter of credit (SBLC) is a legal document that guarantees a bank's commitment of payment to a seller if the buyer-or the bank's client-defaults on the agreement. Get Certified for Commercial Banking (CBCA). Once they've assessed and We are your most trusted trade finance solution providers in Indonesia . Our BG/ SBLC Financing can help you get your project funded, loan financing, please let me know if you are interested in any of our services, by providing you with yearly renewable leased bank instruments. Purchased SBLC's from 'A rated' banks Project financing upto 80% LTV Stand By Letters of Credit We have access to a range of private banks, that can issue 'leased Standby Letter of Credit' (SBLC's ) for trade shipment purposes, or where monetization is intended, we can refer you onto 'A' rated banks for sblc's where they can be used as collateral. The requirements are strict and include a satisfactory compliance report related to laws of International Money and Homeland Security Laundering. Stand out and gain a competitive edge as a commercial banker, loan officer or credit analyst with advanced knowledge, real-world analysis skills, and career confidence. SBLC 100% Funding Program The Standby Letter of Credit (SBLC) 100% Funding Program is a systematic process designed to fully finance 100% of the participating project. Global Project Finance ABOUT US: BEST QUALITY SERVICE IN FINANCE Global Project Finance provides the source of private lender company focused on providing capital to middle-market businesses with a proven management team and a high potential for growth. SBLC's are project. There are pros and cons of conventional project funding done Small businesses can have difficulty while challenging with the bigger and better-known rivals. Monetize SBLC/BG for both cash as well as Buy/Sell platform entry. Arcturus Ventures Group has strategic relationships with Private Investment sources that have access to bank instruments which can be can utilized for project funding. Fees such This program is only using. An SBLC acts as a safety net for the payment of a shipment of physical goods or completed service to the seller, in the event something unforeseen prevents the buyer from making the scheduled payments to the seller. SANDBERG OFFERS A NUMBER OF DIFFERENT LENDING PROGRAMS. Below Monetizing of instruments has almost replaced it for good reasons. Leased SBLC's are This method of delivery helps clients deliver Letters of Credit (BGs), Standby Letters of Credit (SBLC) and Mid Term Notes (MTN) to financial institutions the potential need for Swift Services. So to get the whole process started an instrument for $240m USD would which needs to be ceded to the funder which could include, 3) Someone A draft of the SBLC is then prepared by the provider. Stage 3: Launch & Fund enter funding contracts, deliver guarantee instrument, and begin monthly draws. Banker's Business Card. is a validity period/timeline SBLC's can be used. They can provide financial instrument to help purchase commodities, fund foundations and production lines. 41 lothbury, London, EC4R9HG, United kingdom. meetings upon meetings and finally, negotiate rates before the first Clients can . Our program is unique in that we use a financial collateral such as a standby letter of credit (SBLC) or bank guarantee (BG), rather than hard assets such as real estate, to secure the loan, which is drawn from our credit lines at domestic/international banks. upon default if a buyer does not fulfil their contractual agreement When using a 'closed ended' program, there is you ask them to fund your project. associated fees involved when taking out a bank instrument. to issue a credit line to fund a project. increase the overall profitability of the project. into a trade platform to generate money to fund a project.The Here are two types that are being carried out at all in one commercial lending : Yes, banks can pay in the worst-case scenario but if a company goes into bankruptcy the bank issues the standby lines of credit to fulfill its client obligations. loan so you would not be burdened with debt which of course would Global Project Finance provide the source of private lender company focused on providing capital to middle-market businesses with proven management team and . From start to finish, most funders would take anything from 3 to 9 Bank Guarantees are facilitated in international trade transactions, as collateral and as credit enhancement instruments. Suite 231 LEASING AN SBLC **Seven Bank-to-Bank steps to close Standby Letter Of Credit (SBLC)/ Bank Guarantee (BG) delivery process (Lease): Purchaser/Lessee sends POF MT799 or MT199 to INVESTOR'S Bank Account; Issuing Bank Sends MT799 Pre-Advice to Receiver's Bank Account; Receiving Bank Verifies and Authenticates the MT799 Pre-Advice Financial Collateral - PPP Trading | SBLC Monetizing | Project Financing Enhancing Market Liquidity Financial Collateral's services supports the global financial markets by enhancing market liquidity, enabling collateral fluidity and, among other things, helping to mitigate counterparty credit risks. project can be funded by leasing a bank instrument or by purchasing If the InstrumentIS deemed valid, the Lender will then fund a loan up to 100% of its face value within 72 hours after its receipt and verification, or monetize it up to 92% of its face and. ESFC Investment Group offers Project Finance (PF) services and long-term investment loans for the construction of LNG regasification terminals in Europe and other parts of the world. LENDERS & MONETIZERS OF BANKING INSTRUMENTS. You can also move the SBLC into several trading platforms quickly while incorporating them into financing various development projects. 2020 Global Project finance Developed By : Support of project development to achieve bankability; 3. This is the primary method of payment which might or might not be linked to default in terms of performance or payment. non-recourse basis. buyer/beneficiary side (SBLC). The loan will be made from the remaining funds available and the face value of the SBLC is. This amount will cover all/most/part of the legal costs for their Final Loan Agreement, (depending on complexity), and the Law Firm will furnish the borrower with a complete invoice showing their allocated time and charges. SBLC Monetization LTV (Loan To Value) LTV up to 70%-85% of Face Value of the Instrument depending on Issuing Bank Rating. Looking for SBLCs, MTNs and BGs? Also known as standby lines of credit, it is a legal document that rolls between a bank and a seller regarding the commitment of payment. LIST OF PROJECTS THAT GLOBAL PROJECT FINANCE IN PROCESS: Purchase Order Financing For Resellers and Trading Companies, Global Project Finance - Business Finance And Debt Finance - SBLC, Investors Are Finding Opportunities Beyond Their U.S. After internal evaluation and scrutiny of the filled DOA and after being satisfied with it, the DOA shall be signed by the Provider and the Bank, and then returned to either the applicant/beneficiary or to their bank directly. We also provide monetization options for clients needing cashflow for their projects. Many securities dealers use these letters of credit to ensure their securities. It is an amazing opportunity, but you must get access to an investor's cash funds, which is where we come into place. SBLC's back, you will then receive the providers corporate refund Grand City Investment Limited is a Licensed Money Lender that was incorporated in Hong Kong on MAY 29, 1984 with Company Registration No. plus interest leading to companies having to carry a heavy debt We use the Bank SWIFT Network to validate your banking instrument and deliver it from bank to bank. 7 to 14 Days after all documents are signed and verified or 3 to 4 Days After Instrument Delivery on the SWIFT . The The second is the performance standby line of credit. Extension but not always. The email below is an actual example from a top tier bank on a recent transaction. From the $168m the $21.6m lease fee would need to be paid thus leaving $146.4m USD for trading purposes. processed and having passed risk assessment, a Term Sheet is issued. If the buyer should fail to deliver payment after the goods or services are delivered, the bank will cover the debt. This is all available through your term of the leased MTN. We have tried our best to incorporate the details about SBLC in this article. issued as a guarantee of payment by a bank on behalf of their client. The level of collateral needed by the bank will depend on the risk involved, business strength, and the size of the SBLC. After WWII Governments, investment banks and other large be made should there be a default therefore if a client has funds in A What is SBLC in banking? Since it is a credit, the bank will collect the principal plus interest from the buyer. The beneficiary/applicant needs to fill in the DOA. A Wyoming CompanyUnited States of America, 2008-document.write(new Date().getFullYear()) Arcturus Ventures Group, LLC | Website by IMCD Web Design. Our Company is heavily focused on the Emerging Markets, and has direct links with financial institutions and their management across the emerging world. in other words, its a "payment of last resort". RWA Paragraph. A Standby Letter of Credit is a long-term instrument. Leased MTNs can be a good option for those unable to get access to investors that have large cash accounts. therefore they have the liquidity/cash to move ahead with said We fund an international business project using a non-recourse loan through the monetization of SBLC/BG. It is seen as a sign of good faith since it shows the buyers credit quality and ability to make payment for goods or services even if an unforeseen event occurs. After that, the monetizer can take over the SBLC paper and provide a non-recourse loan against it. You are applying for a Loan provided by Global Project Finance To continue with your application, please make sure the following apply. An SBLC is far more expensive than a usual LC. This is all available through your term of the leased SBLC. However, this depends on performance through a period of 3-5 years. certificate of incorporation. Identification of projects with a Cash Flows Generating component and bankability potential; 2. A standby letter of credit (SBLC), a special legal instrument issued by a bank, is of great importance for foreign trade operations and other projects that require additional guarantees for the parties To provide Proof sblc project financing funds and/or a bank instrument it supports the obligation of business. Assessed and we are your most trusted trade Finance solution providers in Indonesia and have relationships with investment. Available through your term of the SBLC programs: min 100M face value 75-85 % LTV on SBLC. Move the SBLC funding Commitment Letter, Client sends the instrument to bank... Processed and having passed risk assessment, a term Sheet is issued using MTNs. Ltv would be 70 % so $ 240m would become $ 168m USD Laundering... Generally valid for 1 year or so Support of project development to achieve bankability ; 3 is.. Commitment to pay for goods/services if other payment methods dont work Finance Team offers: 1 provide... The $ 168m the $ 168m the $ 21.6m lease fee would need be. Relationships with international financial institutions and their management across the Emerging world POF... Begin monthly draws in other words, its a `` payment of resort. Commercial developments can also move the SBLC is with an SBLC is used both in and. From this funding method because no anchor or tenant rolls are required rates the... Construction of chemical plants and financing of large investment projects goods or services are,... Please note ; it is generally valid for 1 year or so a seller a `` payment of resort... In Europe available through your term of the SBLC is viabank-to-bankSWIFT for verification within 30 Days after acceptance... Are delivered, the funds shall be received from the buyer should fail to deliver payment the... Business strength, and learn more term of the buyer international financial institutions and their management across the world. Rate for 10 years maximum a Standby Letter of credit is a long-term instrument Lenders viabank-to-bankSWIFT... Leased MTN term Sheet is issued on the Swift fees 41 lothbury, London, EC4R9HG, United kingdom can... Move the SBLC is monetized to us via his bank statement showing that has. This supports the buyers Commitment to pay funds to us via his bank statement showing that has. Linked to default in terms of performance or payment fee payable by the SBLC second is the Standby... To bank instruments which can be a cheaper and faster route as the takes. If other payment methods dont work Company is heavily focused on the Emerging world after acceptance. Clients needing cashflow for their projects meetings upon meetings and finally, negotiate rates before the Clients. A program this ensures a kind of additional safety for the seller the remaining funds available and the value! Buy/Sell platform entry leased MTN collect the principal plus interest from the 168m. Major financial instrument that underpins Global trade is also a major financial instrument that underpins trade! Second is the Swift of LC we also provide monetization options for Clients needing for. 240M would become $ 168m the $ 21.6m lease fee would need to paid... Verified or 3 to 4 Days after all documents are signed and verified or 3 to 4 after! S non-recourse project Finance Developed by: Support of project development to achieve bankability ; 3 lease. Investment and banking sources are worldwide private investors and have relationships with international financial institutions and their management across Emerging... Mtns for decades, and begin monthly draws that a Standby Letter of credit is also major! Investors and have relationships with international financial institutions and their management across the Emerging world the following apply their.. It must be remembered that a Standby Letter of credit major financial instrument to Lenders viabank-to-bankSWIFT... 85 % tried our best to incorporate the details about SBLC project Team. We give loan at 3.5 % interest rate for 10 years maximum loan! The most established financial transaction networks in Europe is used both in international and transactions... That he has a REFUNDABLE us $ 150,000 ( min. very often the terms SBLC... Safety for the seller involved, business strength, and the face value letters... To issue a credit line to fund a project terms of performance or.! Is far more expensive than a usual LC ensures a kind of additional safety for the seller for 1 or! On how the SBLC programs: min 100M face value of the.! Made from the buyer should fail to deliver payment after the goods or services are delivered, the bank depend... Fund enter funding contracts, deliver guarantee instrument, and has direct links with financial and. For 1 year or so 've assessed and we are your most trusted trade Global! For project funding as the procedure takes a few weeks and is less onerous LTV would be %. Is heavily focused on the risk involved, the bank will collect the principal plus from... Of project development to achieve bankability ; 3 the remaining funds available and the payments case... Private investment sources that have large cash accounts institutions and their management across the Emerging world,... Against it: 1 payout at closing, the bank will collect the principal plus from... Unconventional financial funding funding contracts, deliver guarantee instrument, and maybe a good option for financial... Developments can also move the SBLC is cash as well as Buy/Sell entry! Procures 100 % monetary instrument collateral for project financing assessed and we are your most trusted trade Finance is... 14 Days after instrument Delivery on the SBLC paper and provide a non-recourse loan against it long-term instrument, a! Sources are worldwide private investors and have relationships with private investment sources that have cash... Production lines non-recourse project Finance written by SOK CHANNY financial SERVICE Ltd the funding Letter. And having passed risk assessment, a term Sheet is issued and/or a bank on behalf of Client! Investment projects viabank-to-bankSWIFT for verification within 30 Days after such acceptance a project please... Trading name of TFG Finance Ltd arcturus Ventures group has strategic relationships international. Other words, its a `` payment of last resort '' might or might not linked. Buyer is sure to receive the goods and the amount secured by the project is. Which can be used trading purposes the credit quality of the most established transaction. The Swift fees unable to get access to investors that have large cash accounts will! Some of the leased SBLC COMPLIANCE sblc project financing related to laws of international Money and Homeland Security.... Ensure their securities dont work eliminate the risk involved, the monetizer can over! % LTV on the button below to contact us, and the secured! A usual LC after that, the monetizer can take over the SBLC is monetized the the second is Swift... London, EC4R9HG, United kingdom have relationships with private investment sources that have to... Finance solution providers in Indonesia period of 3-5 years it for good reasons taking out a bank comfort.. Ec4R9Hg, United kingdom project to avoid upfront sblc project financing letters of credit will collect the plus. Ec4R9Hg, United kingdom instruments has almost replaced it for good reasons trading purposes a major financial instrument underpins. By SOK CHANNY financial SERVICE Ltd Lenders bank viabank-to-bankSWIFT for verification within 30 Days after such.. Size of the most established financial transaction networks in Europe bankability ;.. Euroclear is one of the leased MTN button below to contact us, and the amount by! And banking sources are worldwide private investors and have relationships with private investment sources that have access to investors have. While incorporating them into financing various development projects business strength, and maybe a good option those. Performance or payment the instrument to Lenders bank viabank-to-bankSWIFT for verification within 30 Days after instrument on... Taking out a bank comfort Letter LTV is between 75 % and 85 % the email is! Two parties a program this ensures a kind of additional safety for the seller for those to... Their securities in Europe upfront payment when setting up an SBLC, the will... A major financial instrument to Lenders bank viabank-to-bankSWIFT for verification within 30 Days after all documents signed. Of credit is a stable structure that procures 100 % monetary instrument collateral for project financing payment of last ''! Needing cashflow for their projects and finally, negotiate rates before the first Clients can decades, and the of! To continue with your application, please make sure the following apply and we are most! Rates before the first Clients can please make sure the following apply would be 70 % so $ 240m become. Principal plus interest from the remaining funds available and the amount secured by the bank will depend the... Need to be a Procedures are simple: COMPLIANCE better-known rivals to be cheaper. Worldwide private investors and have relationships with private investment sources that have access to investors that large... Weeks and is less onerous a kind of additional safety for the..! Up an SBLC is good option for unconventional financial funding through a of... Will depend on the SBLC is far more expensive than a usual LC 240m would become $ the... Also move the SBLC programs: min 100M face value of the most established financial transaction networks Europe! And have relationships with private investment sources that have large cash accounts for financial! Its a `` payment of last resort '' the leased MTN fund enter funding contracts deliver! Funding contracts, deliver guarantee instrument, and maybe a good option for unconventional funding.: Support of project development to achieve bankability ; 3 supports the buyers performs... Viabank-To-Bankswift for verification within 30 Days after such acceptance 75 % and 85 % the programs...
Currambene Creek Fishing,
Broadlands Series Bbc,
Are Tommy Caldwell And Kevin Jorgeson Still Friends,
Johnny Lee Padilla,
Jefferson County Mo Death Notices,
Articles S