Saturday, February 1, 2014

Texas Supreme Court Further Clarifies Home Equity Lending

Summary:
In a Supplemental Opinion On Motion for Rehearing dated January 24, 2014, the Supreme Court of Texas ruled that: (1) per diem interest and legitimate discount points are not included in the constitutional 3% fee cap in connection with Texas home equity loans secured by homestead; and (2) a power of attorney can only be used in closing a home equity loan if that power of attorney was properly executed in the office of a title company, an attorney, or of the lender.

Impact:
With this additional ruling from the high court, lenders can now exclude prepaid per diem interest from the 3% fee cap.  "Legitimate" discount points can also be excluded, but the Court did not define what constitutes "legitimate".  The intent of the Court was, probably, to state "bona fide" discount point, which is a concept familiar to the mortgage lending industry.  Like with the exclusion of bona fide discount points in calculating the QM 3%, lenders will likely be required to demonstrate the discounts were in fact bona fide.  It's possible the Court may issue additional clarification on "legitimate discount points", and I will continue to monitor for developments on this.  For lenders that only originate QM loans, they will need to comply with both the Texas 3% fee cap and QM 3% when the Texas home equity loan amount is equal to or greater than $100K. 

In addition, borrowers, who must sign closing documents with the help of a power of attorney, will have to execute a Power of Attorney in the office of an attorney, the lender, or title company.  As a practical matter, title companies that close Texas home equity loans may require evidence, proof, or certification that a Power of Attorney was indeed executed in one of the permitted locations.  To be safe, a lender should not allow an agent/attorney-in-fact to execute Texas home equity loan closing documents unless it is certain that the power of attorney giving authority to the agent was properly executed in the office of a title company, an attorney, or of the lender.      

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    You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable.

    Leasing Price : 4%+2%
    Buying Price: 32%+2%

    Contact us for more details on our terms and procedure of transaction.

    Jamesolsen Terrazas
    email : info.iqfinanceplc@gmail.com
    skype: cpt_young1

    ReplyDelete
  21. IQ FINANCE PLC provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of IQ FINANCE Services, we give you a small-company service but with a large-company set up – the best of both worlds.

    You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable.

    Leasing Price : 4%+2%
    Buying Price: 32%+2%

    Contact us for more details on our terms and procedure of transaction.

    Jamesolsen Terrazas
    email : info.iqfinanceplc@gmail.com
    skype: cpt_young1

    ReplyDelete
  22. TRUSTEE ACCOUNT LIMITED is a British based financial consulting company with years of experience in the international and local finance market. Be it lease bank guarantee, Stand by letter of credit or any type of refinancing, talk to our team at TRUSTEE ACCOUNT LIMITED and certainly we will set your business on the right path with our sound and quality financial advice and services.

    Our bank instrument can be help you fund you projects in Trading, funding project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects.Having years of professional, invaluable experience in the banking and finance industry, and having access to dozens of different prominent trusted and reliable providers, our Financial Services consultants will crawl through hundreds of products to find one that perfectly matches your needs.

    Purchase Instrument of BG/SBLC : 32%+2% Min Face Value cut =5M- 10B EUR/USD

    Lease Instrument of BG/SBLC : 4%+2% Min Face Value cut = 5M- 10B EUR/USD
    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG / SBLC) (Appendix A)
    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
    3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
    8. Hard Copy: Bonded Courier within 7 banking days.
    Name;ANDREW KELVIN

    Email;trusteeactlmt@gmail.com

    Skype;trusteeactlmt

    ReplyDelete
  23. We are Providers of all types of BG and SBLC with the best workable procedures. Our BG/SBLC ranges from MT799, MT760,(Both two way confirmation), MT103/23, MT103 (Both can be one way confirmation and two way confirmation) in USD and EUROS. Issuing Bank ranges from Top world 25 banks with face value ranging from 1M EUROS/USD to 5B EUROS/USD

    BROKERS ARE WELCOME & 100% PROTECTED!!!
    Intermediaries/Consultants/Brokers are welcome to bring their clients and cases to our attention and in complete confidence we will work together for the benefits of all parties involve

    For further details contact us with the below information Thank you.

    Contact Person: Mr. Tommy Champion
    Email: trustco.financeplc@gmail.com
    Skype ID: trustco.financeplc

    ReplyDelete
  24. IQ FINANCE PLC provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of IQ FINANCE Services, we give you a small-company service but with a large-company set up – the best of both worlds.

    You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable.

    Leasing Price : 4%+1%
    Buying Price: 32%+2%

    Contact us for more details on our terms and procedure of transaction.

    Jamesolsen TerrazasIQ FINANCE PLC provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of IQ FINANCE Services, we give you a small-company service but with a large-company set up – the best of both worlds.

    You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable.

    Leasing Price : 4%+1%
    Buying Price: 32%+2%

    Contact us for more details on our terms and procedure of transaction.

    Jamesolsen Terrazas
    email : info.iqfinanceplc@gmail.com
    skype: cpt_young1
    email : info.iqfinanceplc@gmail.com
    skype: cpt_young1

    ReplyDelete
  25. IQ FINANCE PLC provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of IQ FINANCE Services, we give you a small-company service but with a large-company set up – the best of both worlds.

    You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable.

    Leasing Price : 4%+1%
    Buying Price: 32%+2%

    Contact us for more details on our terms and procedure of transaction.

    Jamesolsen Terrazas
    email : info.iqfinanceplc@gmail.com
    skype: cpt_young1

    ReplyDelete
  26. We can help facilitate the financial service bank instrument SBLC /BG, We remain the best financial consulting company with years of experience in the international and local finance market.

    We have become the hallmark of excellent service in this industry with trusted and genuine FCA registered SBLC Providers who have truly succeeded in creating significant value for all clients and brokers involved in leasing or purchasing sblc .

    We issue from Top rated world Banks and also work with brokers and agents with 100% healthy commissions paid on every deal.

    Leasing SBLC : 4% +2%

    Purchasing SBLC : 32% +2%

    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC)

    2. Total Face Value : Please inform us

    3. Issuing Bank: HSBC, Barclays London or Deutsche Bank Frankfurt or any Top 25 WEB

    4. Age: One Year, One Day

    5. Leasing / Selling SBLC / BG

    6. Delivery: SWIFT MT799/MT760.

    7. Payment: MT-103.

    8. Hard Copy: Bonded Courier within 7 banking days.

    All relevant business information will be provided upon request and we are ready to forward to you the DOA/CONTRACT of work once you inform us if you will be Leasing or Purchasing.

    Best Regards

    NAME;Fred Stones
    E MAIL;premiumfinanceserviceltd@gmail.com .skype:fredforrealasurance403

    ReplyDelete
  27. *Debt Consolidation Loans Do you need Business Loans *Personal Loans *Home Loans *Car Finance *Commercial Loans *Investments Loans *Debts Consolidation *Business Planning *Commercial Development Finance *Properties Mortgages *Bad credit loans *commercial loans *Start-up- working capital loans *Construction loans *Car loans, *Hotel loans*Student loans with an interest Rate interest rate of 1%.
    For more details :Email : hititseramik.com.tr@consultant.com
    Name :
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    Contact Email: hititseramik.com.tr@consultant.com
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    Contact Email: hititseramik.com.tr@qualityservice.com
    Best Regards.
    Mrs.Tina Garner

    ReplyDelete
  28. *Debt Consolidation Loans Do you need Business Loans *Personal Loans *Home Loans *Car Finance *Commercial Loans *Investments Loans *Debts Consolidation *Business Planning *Commercial Development Finance *Properties Mortgages *Bad credit loans *commercial loans *Start-up- working capital loans *Construction loans *Car loans, *Hotel loans*Student loans with an interest Rate interest rate of 1%.
    For more details :Email : hititseramik.com.tr@consultant.com
    Name :
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    Have you applied for loan online before (yes or no)
    Contact Email: hititseramik.com.tr@consultant.com
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    Contact Email: hititseramik.com.tr@qualityservice.com
    Best Regards.
    Mrs.Tina Garner

    ReplyDelete
  29. We are Ireland based major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
    we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.
    DESCRIPTION OF INSTRUMENTS:
    1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
    2. Total Face Value: 10M MIN to 50B MAX USD or Euro
    3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
    4. Age: One Year, One Day
    5. Leasing Price: 4+ 1%
    6. Sale Price: 32+2%
    7. Delivery by SWIFT .
    8. Payment: MT103-23
    9. Hard Copy: Bonded Courier within 7 banking days.
    If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.
    Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.
    Name : Robert O'Sullivan
    E-mail : osullivanr225@gmail.com
    Skype id : osullivanr225@gmail.com

    ReplyDelete
  30. WE OFFER BG/SBLC FOR LEASE & PURCHASE

    Caldwell Murray Financial Services Limited are direct mandate to a Financial Institution who is also known as private lender specialized in the Lease of Bank / Financial Instruments in the form of Bank Guarantees (BG), Standby Letter of Credit (SBLC), Documentary Letter of Credit (DLC), Letter of Credit (LC), Performance Bonds (PB), Medium Term Notes (MTN) et al with funds is purely earned from private and corporate investment portfolios without criminal origin.

    We offer these from a genuine and certifiable finance company as the provider hence we are able finance your signatory projects and help you enhance your business plan. Furthermore, our financial instrument can be used for the purchase of goods from any manufacturer irrespective of their location. It can also serve as collateral with any bank in the world to secure loans for your project or to activate credit line to finance your business plan.

    Our financial instrument can be invested into High Yield Investment Trading Program {HYITP) or Private Placement Program (PPP). All bank instruments are for lease from a genuine and reliable source without broker chain / joker broker story or chauffeur driven offer while having your required time frame in mind.We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Conformable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

    DESCRIPTION OF INSTRUMENT:

    (1) Instrument: Bank Guarantee {BG} /StandBy Letter of Credit.{SBLC} (Appendix A).
    (2) Total Face Value: Eur/USD 1M{Minimum} to Eur/USD 5B{Maximum}.
    (3) Issuing Bank: AAA Rated Bank (Prime Bank).
    (4) Age: One Year and One Day.
    (5) Leasing Price: 4%+1%.
    (6) Delivery: bank to bank SWIFT MT-799 and/or MT-760.
    (7) Payment: MT103 (TT/WT).
    (8) Hard Copy: Bonded Courier Service.

    We will be glad to share our working procedures with you upon request to help us proceed towards closing deals effectively.

    For further inquiry contact name:
    Mr Dympna Caldwell
    Email: caldwellmurrayfinancialservice@gmail.com
    Skype: Dympna Caldwell
    Twitter:@CaldwellDympna

    ReplyDelete
  31. ALL THANKS TO UPSTART LOAN AM NOW FINANCIALLY STABLE . upstartloan@yahoo.com
    I am Michelle Huxford from Casper, Wyoming. I was in a very chronic financial issue and terminal health situation some few weeks back. After all my search for assistance from friends and neighbors proved abortive, I feel there was no one who truly cares. I became so emaciated due to lack of good food and my 2 kids age 5 and 8 were not also good looking due to lack of proper care as a result of finance. One faithful morning I saw an old time friend of my late husband and I told him all I have been going through and he said the only way he could help was to direct me to a good loan agency that also helped him, He explained to me on how he was financially down and how he got boosted by this loan agency UPSTART LOAN INC ( upstartloan@yahoo.com ) who grant him 245,000 USD loan at an affordable rate. He further assured me that they were the only legit loan firm he found in the quest of seeking for loan after been scammed by various fake loan lenders online. He gave me their email: upstartloan@yahoo.com or text/call (574) 301-1639, That was how i applied and was also granted a loan and my life changed for the good. CONTACT THE ONLY GENUINE LENDERS( UPSTART LOAN INC) VIA email: upstartloan@yahoo.com or call +1 (574) 301-1639 to resolve your financial mess.

    ReplyDelete
  32. We are Providers of all types of BG and SBLC with the best workable procedures. Our BG/SBLC ranges from MT799, MT760,(Both two way confirmation), MT103/23, MT103 (Both can be one way confirmation and two way confirmation) in USD and EUROS. Issuing Bank ranges from Top world 25 banks with face value ranging from 1M EUROS/USD to 5B EUROS/USD

    BROKERS ARE WELCOME & 100% PROTECTED!!!
    Intermediaries/Consultants/Brokers are welcome to bring their clients and cases to our attention and in complete confidence we will work together for the benefits of all parties involve

    For further details contact us with the below information Thank you.

    Contact Person: Mr. Tommy Champion
    Email: trustco.financeplc@gmail.com
    Skype ID: trustco.financeplc

    ReplyDelete
  33. Dear Applicant,

    Do you seek funds to pay off Credits and Debts? SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) is here to put a stop to your financial problems. We offer all kinds of Loan (Personal Loan, Commercial Loan, etc.) We give out loan with an Interest rate of 1.00%. Interested applicants should Contact us via email: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

    Please Fill the Application Form Below:
    - Complete Name:
    - Loan amount needed:
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    If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: SuiteCapitals@gmail.com
    ( SuiteCapitals@post.com )

    ReplyDelete
  34. Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

    Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

    We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

    WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

    Please, contact us for more information: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
    Kindly write us back with the loan information;
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    If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com

    Yours Sincerely,
    Mr. Ren Hya
    PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
    We look forward to hear from you ASAP
    Interested applicants should Contact us via email: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com

    ReplyDelete
  35. Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

    Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

    We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

    WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

    Please, contact us for more information: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
    Kindly write us back with the loan information;
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    If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com

    Yours Sincerely,
    Mr. Ren Hya
    PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
    We look forward to hear from you ASAP
    Interested applicants should Contact us via email: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com

    ReplyDelete
  36. Dear Applicant,

    Do you seek funds to pay off Credits and Debts? SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) is here to put a stop to your financial problems. We offer all kinds of Loan (Personal Loan, Commercial Loan, etc.) We give out loan with an Interest rate of 1.00%. Interested applicants should Contact us via email: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

    Please Fill the Application Form Below:
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    - Loan amount needed:
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    If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: SuiteCapitals@gmail.com
    ( SuiteCapitals@post.com )

    ReplyDelete
  37. Dear Applicant,

    Do you seek funds to pay off Credits and Debts? SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) is here to put a stop to your financial problems. We offer all kinds of Loan (Personal Loan, Commercial Loan, etc.) We give out loan with an Interest rate of 1.00%. Interested applicants should Contact us via email: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

    Please Fill the Application Form Below:
    - Complete Name:
    - Loan amount needed:
    - Loan Duration:
    - Purpose of loan:
    - City / Country:
    - Telephone:
    - How Did You Hear About Us:

    If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: SuiteCapitals@gmail.com
    ( SuiteCapitals@post.com )

    ReplyDelete
  38. Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

    Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

    We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

    WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

    Please, contact us for more information: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
    Kindly write us back with the loan information;
    - Complete Name:
    - Loan amount needed:
    - Loan Duration:
    - Purpose of loan:
    - City / Country:
    - Telephone:
    - How Did You Hear About Us:

    If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com

    Yours Sincerely,
    Mr. Ren Hya
    PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
    We look forward to hear from you ASAP
    Interested applicants should Contact us via email: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com

    ReplyDelete