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Fintern launches consumer lending driven by AI and Open Banking

Stockwood Strategy

The UK consumer lending market is worth £160bn, yet over 15 million people in the UK are denied access to affordable loans. These people are resorting to unsustainable means including high-cost lenders and buy-now-pay-later schemes to manage their lives. Today, digital consumer lender Fintern has launched to radically transform the financial well-being of people with an innovative and sustainable lending approach that goes beyond traditional credit scoring and puts affordability first. Fintern’s next generation credit technology bypasses credit scores in making lending decisions, focusing instead on affordability. Fintern builds relationships with customers helping them to understand how much they really need, how much they can afford to take on, and how they will repay. Fintern integrates its AI platform with Open Banking* to smartly connect the dots in consumers’ banking data enabling Fintern to obtain the most accurate view of borrowers’ affordability and spending behaviour using real time transaction information. Gerald Chappell, CEO and co-founder of Fintern commented: “Fintern will help people to really understand what is affordable for them, rather than offering yet another faceless transactional process. Currently, lenders either lend money or don’t, and then don’t engage with the borrower again until the loan terms ends or payments are missed. “Our success as a lender lies in the ability of our customers to repay their loans. Our AI-powered technology helps us and all our customers to understand their finances in a deeper, more hands-on way than ever before. This approach allows us to increase approval rates, lower APRs and empower our customers to make the best and most responsible borrowing decisions for them.” The approach of banks to personal lending inappropriately results in “computer says no” answers for millions every year. While traditional behavioural credit scoring (the industry’s approach for credit decisioning) works well to separate the highest quality customers from the lowest, it performs poorly in differentiating risk among the majority of people. Often the consumers hardest hit are those who have had historical blips in their credit records or, for example, those people who are new to credit or have moved countries. Dr. Michelle He, COO and co-founder of Fintern added: “We will be closer to our customers than incumbent lenders can ever be, and this will differentiate us in the marketplace. Intelligently integrating AI and Open Banking data disrupts credit decisioning for the better of all customers. Doing it well requires the right experience. Data and technology are Fintern’s bread and butter. We have an amazing team with extensive experience in digital lending and credit analytics. They are customer obsessed and have made the Fintern App a unique experience.” Looking ahead, Gerald Chappell added: “As we emerge from the Covid-19 pandemic, Fintern is needed now more than ever. While many existing lenders are reducing credit supply given the shock to their existing portfolios, Fintern uses high frequency transaction data to understand consumers’ real time financial circumstances and lend responsibly. Over the next 4-5 years, we intend to rapidly grow in the UK building a £1bn loan book alongside broadening our product range and considering expansion to other geographies.” Fintern received its FCA authorisation as a regulated consumer credit lender in February 2021. The co-founders have built an exceptional team that includes credit experts with over 100 years’ experience in finance and technology. Ends * Open Banking regulation requires UK banks to open up customer transaction data in a secure and standardised form, which means the third party providers have access to consumer data from banks via APIs. While the UK is leading globally on Open Banking, adoption is under way in 35 economies. About Fintern Fintern is a digital consumer lender on a mission to expand access to low cost personal finance and transform financial well-being. Fintern’s next generation credit technology bypasses credit scores in making lending decisions, focusing instead on affordability. Fintern builds relationships with customers helping them to understand their repayment capacity and credit appetite. Fintern integrates its AI platform with Open Banking to smartly connect the dots in consumers’ banking data enabling Fintern to obtain the most accurate view of borrowers’ affordability and spending behaviour using up to the minute transaction information. Fintern was founded in 2020 with a team from McKinsey, EY, Bank of America Merrill Lynch, HSBC and XiaoMi. Fintern is authorised and regulated by the Financial Conduct Authority, firm reference number 929244, a member of Cifas (the UK's leading anti-fraud association) and registered with the UK Information Commissioner's Office in compliance with the Data Protection Regulations 2018. Contact Details Fintern Bilal Mahmood +44 7714 007257 press@fintern.ai Company Website https://fintern.ai/

March 08, 2021 06:00 AM Eastern Standard Time

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Consero Named Outsourced Accounting Preferred Provider for the National Venture Capital Association

Consero

Consero Global LLC, a leader in Finance as a Service (FaaS), today announced it is now a preferred partner of the National Venture Capital Association (NVCA), the preeminent trade association of the U.S. venture capital and startup community. “Consero’s mission is to disrupt the way PE and VC backed software and service businesses meet their finance and accounting needs, which is why we’re very excited to partner with the NVCA,” said Bill Klein, President of Consero. “Our FaaS model combines cutting edge technology, processes, and people in a fully-managed solution to deliver precise financial visibility and improved operational scalability, plus a lower and more predictable cost structure.” More than 150 operating companies that Consero partners with are backed by blue-chip private equity and venture capital investors. The company is focused on preparing companies to raise capital, M&A, and potential IPOs. Consero combines innovative integrated software, including the Consero SIMPL® financial management console and Simon voice-activated artificial intelligence technology with the traditional CFO, controller and bookkeeping services needed to support a business’s financial operations. All of this comes without the time, cost, and effort of creating and managing a full, in-house finance and accounting department. With Consero’s solutions, companies of all sizes can afford true enterprise level financial tools. About Consero Global Founded in 2006—by Scott Tynes, Bill Klein, and Kiran Jagannath—Consero Global disrupts the way businesses build and maintain their finance and accounting function. Through a cloud-based platform, Consero delivers the financial clarity and efficiency needed to drive a business forward. Strategic CFOs are adopting Consero’s cutting-edge Finance as a Service model to free up time and understand how the business is performing. Serving more than 150 clients and their portfolio companies, Consero, backed by BV Investment Partners provides the control and insight needed to steer businesses toward success. Contact Consero Global for more information about gaining greater control of your financial operations. More info at www.conseroglobal.com. Contact Details Consero Global Ray Young +1 512-633-6855 ray@razorsharppr.com Company Website https://conseroglobal.com/

March 05, 2021 10:33 AM Central Standard Time

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Minuteman Press Franchise in Fredericksburg, VA Supports Local Businesses During COVID-19

Minuteman Press International Inc

Minuteman Press Fredericksburg Has Remained Open Throughout COVID-19 As An Essential Business Owner Doug Walton Shares Insights On Operating During the Pandemic and How Minuteman Press is Helping Local Businesses Bounce Back For nearly 15 years, Doug Walton has owned the Minuteman Press design, marketing, and printing franchise located at 10699 Courthouse Road. Because printing is considered an essential business, Minuteman Press Fredericksburg has remained open throughout the COVID-19 pandemic. “It feels good to remain open and help other local businesses navigate the pandemic economy. We have been able to help them market themselves through direct mail, provide banners and signage to help with social distancing, and we have even supplied many with acrylic sneeze guards and masks to help keep their employees and customers safe.” Print Is Essential As a longtime local business owner in an essential industry, Doug is uniquely positioned to be able to help organizations and businesses as they continue to reopen and recover. “We’ve expanded our products and services over the years and when the pandemic first hit we were ready to provide high-demand items such as direct mail, signage, and sneeze guards. Businesses have come to us for banners, posters, yard signs, floor decals, and branded clothing, which has been a good source of growth. When everyone’s graduation ceremonies were canceled, we were able to help students and their families celebrate with lawn signs.” Doug continues, “The response from the community has been incredible. They know we have been here for a long time, and they appreciate our ability to provide custom printing of all kinds to help keep people safe. We also have been helping businesses reach out to their customers through marketing and direct mail campaigns. When restaurants need new menus or businesses have important updates and special promotions, Minuteman Press Fredericksburg is here as their trusted local provider.” “The printing industry has been designated as essential for a reason. The products and services we provide support almost every other business and allow them to continue to operate. We print for many different kinds of customers from HVAC contractors to the local Sheriff’s office and more. They all depend on us to do their jobs, and we are happy to be there to help them with everything they need during this unprecedented time.” -Doug Walton, owner, Minuteman Press Fredericksburg, VA Bounce Back Fredericksburg One of the ways Doug and his team are giving back is through Bounce Back Fredericksburg, a free community platform that provides businesses with free local listings and COVID-19 awareness and prevention posters. To date, 60 participating businesses have posted special offers and promotions that community members can take advantage of to support local and shop local. Doug says, “I would encourage every business owner to advertise more. There is no such thing as too much marketing. Take advantage of Bounce Back Fredericksburg, start a direct mail campaign, or simply take a look at your marketing materials and make sure everything is professional and up to date.” As the economy continues to recover, Doug sees opportunities for businesses to come back strong. “I’d like to think that we are proof it is possible to operate and market during the pandemic. As more and more of the local economy comes back, my message is to refocus and stay positive. I hope my own positive attitude encourages my fellow business owners to realize we will get through this together and that brighter days are ahead.” As for his own marketing efforts, Doug has used every tool available to him as part of the Minuteman Press franchise family. “We have depended on direct mail, email, and social media to advertise. We have kept the message simple by saying ‘we are here to help, and we are all in this together.’ The response has been very encouraging. Many have thanked us for being there when people need us at this critical time.” He adds, “As a franchisee, the support we’ve received from Minuteman Press International has been great. At the beginning, we received daily updates of what was going on in our industry, tips for pushing forward, words of encouragement, and tons of new resources including the launch of the Bounce Back USA program. They have continued to share success stories from across the nation and provide recommendations and industry news as well as new marketing templates and strategies to help us grow.” Benefits of Franchising Prior to owning his own business, Doug worked in construction. He was able to successfully switch industries and change careers by going the franchise route. As printing industry leaders, Minuteman Press offered Doug comprehensive training and ongoing support that he continues to benefit from today. Doug says, “Minuteman Press is outstanding. They are always there for support. I couldn’t imagine navigating this pandemic without them. Over the years they have always been there when I need them and they are always looking for ways to help us be more successful. Minuteman Press truly cares about their franchisees.” Reflecting on the rewards of business ownership, Doug adds, “It comes down to my improved quality of life. I don’t miss any of my daughter’s school or sports events. I can make my own schedule. It’s as simple as that and I wouldn’t want it any other way.” “Doug Walton has simply done a tremendous job as the owner of Minuteman Press Fredericksburg for nearly 15 years,” says Bob Heimbuch, Minuteman Press International Regional Vice President, Virginia / DC / Maryland. “I am especially proud of his efforts in helping the local business community through Bounce Back Fredericksburg as well as all of the ways he has been supporting local businesses during the pandemic. Doug is truly dedicated to his clients and his community and he lifts others up with his positivity while providing outstanding products and services.” Advice for Others When asked for what advice he would give to other business owners, Doug answers, “Put your blinders on and don’t pay any attention to bad news. Do everything you can to service your customers. Advertise more. This is not the time to cut back. Keep a positive attitude and encourage everyone in your community to support local businesses.” “And remember, we are all in this together.” For more information on Minuteman Press Fredericksburg, visit https://www.fredericksburg.minutemanpress.com. Learn more about #1 rated Minuteman Press franchise opportunities at https://minutemanpressfranchise.com. Contact Details Minuteman Press International Chris Biscuiti +1 631-249-1370 cbiscuiti@mpihq.com Company Website https://minutemanpressfranchise.com

March 05, 2021 09:01 AM Eastern Standard Time

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Cyvatar Creates First All-in-One Cybersecurity Membership Platform

Cyvatar

Cyvatar today unveiled its all-in-one platform to deliver the first-of-its-kind cybersecurity-as-a-service (CSaaS) offering. The Cyvatar platform is now the de facto operating system for all of its members’ security programs. Cyvatar’s unique membership model levels the playing field by democratizing cybersecurity and making the best protection accessible and affordable for every size organization, even if they have no cybersecurity expertise in-house. With the introduction of the Cyvatar platform, members also get complete visibility into the management of all their security tools from a single pane of glass. The platform demonstrates immediate and concrete results from their cybersecurity efforts with executive-level analytics, rising compliance and risk grades, time to remediation, and ROI calculations. “We’re losing the battle against hacks and breaches; even though more and more security tools are available, sensitive data isn’t getting better protected,” said Corey White, Cyvatar co-founder and chief executive officer. “We launched Cyvatar as the industry’s first subscription-based CSaaS to solve this problem. Rather than simply identifying issues, the Cyvatar platform gives members complete and continuous transparency into all remediation activity to support their security and compliance goals.” By replacing ownership with membership, Cyvatar members can select the freemium plan in seconds at no cost. They can later choose the packages and pricing that meet their unique business needs and they can cancel anytime--another industry first. “Without Cyvatar, you’re basically going to the supermarket and stocking up on all of the best ingredients without a recipe or general know-how to turn those ingredients into a meal,” said Cyvatar Co-Founder and Chief Product and Strategy Officer Craig Goodwin. “If you want to eat, you can’t just keep buying more ingredients; at some point, you have to combine them in the proper order and prepare them at the right temperature to create the necessary outcome--that’s what we do for our members. Our expert team of Cydekicks use the platform to remediate all vulnerabilities in a member’s system and provide CyValue in 90 days or fewer with full transparency into every action they perform.” Become a free member to get your vulnerability scan, remediation plan, and platform access today. About Cyvatar Cyvatar is committed to cybersecurity for everyone. As the industry’s first subscription-based, cybersecurity-as-a-service (CSaaS) company, it’s our mission to transform the way the security industry builds, sells, and supports cyber solutions. We empower our members to achieve successful outcomes by providing expert advisors, proven technologies, and a strategic process roadmap to guarantee results that map to their business drivers. Our approach is rooted in proprietary ICARM (installation, configuration, assessment, remediation, maintenance) methodology that delivers smarter, measurable security solutions for superior compliance and cyber-attack protection faster and more efficiently, all at a fixed monthly price. And because we’re a subscription, members can cancel anytime. Cyvatar is headquartered in Irvine, California with locations around the world. Begin your journey to security confidence at https://cyvatar.ai/ and follow us on LinkedIn and Twitter. Contact Details Cyvatar Media KC Higgins +1 303-434-8163 kc@cyvatar.ai Company Website https://cyvatar.ai/

March 04, 2021 08:30 AM Eastern Standard Time

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Epiq Selects Intapp OnePlace Risk & Compliance to Enhance Client Conflicts Management

Intapp

Epiq, a global technology-enabled services leader to the legal industry and corporations, today announced it has adopted Intapp OnePlace Risk & Compliance as part of its ongoing efforts to become a fully cloud-based, connected enterprise. Epiq will use the Conflicts module to streamline automate conflicts clearance, improve efficiency, enhance data hygiene, reduce risk, and centralize its business processes. Epiq maintains more than 80 offices across North America, Europe, Asia, Australia, and New Zealand. As the organization has grown, the volume of manual conflict checks grew with it, surpassing 128 conflict checks every week. Epiq prioritized implementing a cloud-based, purpose-built solution to replace its labor intensive, manual process, and reduce the risk of human error. Epiq selected OnePlace Risk & Compliance, which uses artificial intelligence (AI) to analyze data and identify potential conflicts that require manual review, which saves thousands of hours and improves outcomes. “Automating our business process with a robust, best-in-class solution like OnePlace Risk & Compliance is a critical step in the evolution of Epiq’s Client Conflicts Program,” said Kate Stark, Manager of Conflicts and Compliance at Epiq. “Centralized, cloud-based data isn’t the future; it’s a requirement for success. With Intapp, we’re deploying a smarter, faster, and more accurate approach to our workflow, which helps us continue our pace of growth while ensuring that we continue to deliver world-class service to our internal and external clients.” Other factors in Epiq’s choice of OnePlace Risk & Compliance as a key component of its digital transformation include the ability for the solution to seamlessly integrate with major enterprise technology platforms, third-party data integrations from partners like Dun & Bradstreet, and the option to implement complementary OnePlace solutions down the line to increase its connected enterprise footprint. “By reducing the volume of potential conflicts that require manual review by up to 60%, OnePlace Risk & Compliance is a critical driver of operational efficiency and revenue growth for global organizations like Epiq,” said Nigel Riley, General Manager for Risk and Compliance Solutions at Intapp. “We’re thrilled to begin this partnership with an organization that not only understands but is excited by OnePlace Risk & Compliance and its ability to accelerate the journey to becoming a truly connected enterprise.” About Intapp Intapp powers connected firms. Trusted by more than 1,600 of the world’s top legal, investment banking, private capital, accounting, and consulting firms, Intapp offers end-to-end, cloud-based connected firm management software built for the unique needs of partner-led firms. Intapp helps enhance collaboration, unleash collective knowledge, transform decision-making, and fuel success. Our products and services span the entire engagement lifecycle — from strategy through origination and execution — to drive optimal outcomes. For more information, visit intapp.com and connect with us on Twitter (@Intapp) and LinkedIn. About Epiq Epiq, a global technology-enabled services leader to the legal industry and corporations, takes on large-scale, increasingly complex tasks for corporate counsel, law firms, and business professionals with efficiency, clarity, and confidence. Clients rely on Epiq to streamline the administration of legal department and business operations, class action and mass tort, eDiscovery, regulatory, compliance, restructuring, and bankruptcy matters. Epiq subject-matter experts and technologies create efficiency through expertise and deliver confidence to high-performing clients around the world. Learn more at www.epiqglobal.com Contact Details Natalie Papaj +1 703-586-0048 natalie.papaj@intapp.com Company Website http://www.intapp.com

March 04, 2021 07:30 AM Eastern Standard Time

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YELP SPRINGS FOR HOME CLEANING TO HELP SINGLE PARENTS

Yelp

While virtually no one has been left unchanged by the pandemic, single parents have been especially burdened by the disruption to their lives. America has the highest number of children living in single-parent households, and single parents across the country have been saddled with additional stressors for the past year due to COVID-19 — from balancing work with childcare and distance learning, to additional house chores. Trying to maintain a clean and tidy home can be challenging on top of all of the roles single parents are juggling. Kicking off just in time for spring cleaning and ahead of National Single Parents Day (March 21), Yelp is springing for single parents’ cleaning bills for a whole year. When it comes to maintaining the house, parents spend an average of seven hours per week cleaning - that’s seven valuable hours that could be spent with kids or for selfcare.* With spring cleaning season upon us, Yelp wants to help curtail one of the stressors for single parents - cleaning the house. As part of our Spring for Cleaning fund, Yelp will award five selected users a $4,000 gift card to cover the cost of a professional cleaning service once a week for one year, for two hours each week.** Single parents can enter for a chance to win by using Yelp’s Request a Quote feature to find a cleaner in their area, and submitting the quote at YelpSpringsforCleaning.com starting March 3rd through March 21st. See the Official Rules available at YelpSpringsforCleaning.com/Rules. * 2018 ACI National Cleaning Survey **See the Official Rules available at YelpSpringsforCleaning.com/Rules. Annual costs of a professional cleaning service based on an average cost of $39.00 per hour. About Yelp Yelp Inc. ( www.yelp.com ) connects people with great local businesses. With unmatched local business information, photos, and review content, Yelp provides a one-stop local platform for consumers to discover, connect, and transact with local businesses of all sizes by making it easy to request a quote, join a waitlist, and make a reservation, appointment, or purchase. Yelp was founded in San Francisco in July 2004. Contact Details Alison Brod Marketing + Communications Media Contact +1 212-230-1800 Yelp@abmc-us.com Company Website https://www.yelp.com

March 03, 2021 07:03 AM Eastern Standard Time

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Women Retirees Underestimate the Coming Long-Term Care Tsunami by Jennifer Lang Financial Services

Jennifer Lang Financial Services, LLC

Contact Details Jennifer Lang Financial Services, LLC. Jennifer Lang +1 877-487-8926 mail@jenniferlangfinancialservices.com Company Website https://www.jenniferlangfinancialservices.com

March 02, 2021 10:05 AM Eastern Standard Time

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How New Airbnb Hosts Have Earned $1 Billion During the Pandemic

YourUpdateTV

The COVID-19 pandemic has sent travelers looking for safe, comfortable settings in which to connect with family and friends, creating economic opportunity for others to earn needed extra income by listing their homes on Airbnb. New hosts with only one listing who have welcomed their first guests since the start of the pandemic have already earned more than $1 billion. Recently, Christopher Nulty, Head of Global Public Affairs at Airbnb, discussed this trend and what it means for the future of travel. A video accompanying this announcement is available at: https://youtu.be/kjxmBO8MLKc Families and workers around the world have struggled financially because of the economic hardship caused by the pandemic, and in the US, one in four adults have had a hard time paying bills and one third have tapped their savings or retirement funds. For many, sharing their homes on Airbnb has provided a critical and urgent COVID social safety net to help stay economically afloat in these unprecedented times. In the US, the typical new Airbnb host with only one listing earned $3,900 since March 2020. This is income being used to pay important bills with half of all hosts worldwide using their Airbnb earnings to stay in their homes. During the pandemic, three in 10 US hosts (29 percent) have used their hosting income to pay their rent or mortgage—including half (49 percent) of hosts aged 25-34. One quarter of hosts (26 percent) have used the income to pay down debts, and 10 percent have used it to pay for healthcare. For more information, visit Airbnb.com About Christopher Nulty: Christopher Nulty is Airbnb's Head of Global Public Affairs. Prior to joining Airbnb in 2015, Christopher led public relations for Yahoo CEO Marissa Mayer. Christopher started his career in Washington, D.C., where he worked on Immigration and Healthcare Policy at the 2.2 million member Service Employees International Union (SEIU). A proud native of upstate New York, Christopher is a graduate of Colgate University where he currently serves as a director on the Alumni Council Board of Directors. About YourUpdateTV: YourUpdateTV is a social media video portal for organizations to share their content. It includes separate channels for Health and Wellness, Lifestyle, Media and Entertainment, Money and Finance, Social Responsibility, Sports and Technology. Contact Details YourUpdateTV +1 212-736-2727 yourupdatetv@gmail.com

March 01, 2021 11:00 AM Eastern Standard Time

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Patricia Elias Named CSG Chief People and Places Officer

CSG

CSG® (NASDAQ: CSGS) today announced the appointment of Patricia Elias as the company’s new Chief People and Places Officer. A people-oriented, global business leader, she brings a proven track-record of driving innovation, integrity and impact that will help CSG harness the power and collective talents of its more than 4,800 global employees. “As CSG continues to evolve, we are thrilled to have Patricia’s rich experience developing people strategies to help drive our growth and industry leadership,” CSG CEO Brian Shepherd said. “She is an impressive leader who has proven she can excite, inspire, develop and lead a global team.” “People and culture are at the heart of everything we do. Staying true to our values while accelerating our strategic growth and transformation will enable us to build an even more inclusive, innovative, and agile CSG,” Shepherd added. Elias joins CSG from ServiceSource International, where she served on the executive team as their chief legal and people officer, providing oversight of global human resources, legal, and compliance. “I’m excited to join CSG and a leadership team that recognizes the impact a growth mindset and inclusive culture can have on business success,” Elias said. “I look forward to sharing my passion for fostering equitable, employee-centric programs to create an even more meaningful, intentional, and diverse employee experience at this dynamic company.” Elias began her career practicing corporate and securities law and later served as corporate counsel for ViaWest and Flextronics. Combining her legal experience and enthusiasm for learning, she also served three years as a lecturer of business law and public policy at the University of Denver’s Daniels College of Business. She holds a J.D. from Georgetown University and a B.A. in Psychology from Duke University. # # # About CSG For more than 35 years, CSG has simplified the complexity of business, delivering innovative customer engagement solutions that help companies acquire, monetize, engage and retain customers. Operating across more than 120 countries worldwide, CSG manages billions of critical customer interactions annually, and its award-winning suite of software and services allow companies across dozens of industries to tackle their biggest business challenges and thrive in an ever-changing marketplace. CSG is the trusted provider for driving digital innovation for hundreds of leading global brands, including Airtel Africa, América Móvil, AT&T, Charter Communications, Comcast, DISH, Formula 1, Hutchison 3 Indonesia, Inmarsat, Mastercard, Maximus, Mediacom, Microsoft, Mobily, MTN, New Leaf, State of California, TalkTalk and Telstra. To learn more, visit our website at csgi.com and connect with us on LinkedIn and Twitter. Copyright © 2021 CSG Systems International, Inc. and/or its affiliates (“CSG”). All rights reserved. CSG® is a registered trademark of CSG Systems International, Inc. All third-party trademarks, service marks, and/or product names which are referenced in this document are the property of their respective owners, and all rights therein are reserved. Contact Details CSG Media Relations Brad Jones +1 303-200-3001 brad.jones@csgi.com CSG Investor Relations John Rea +1 (210) 687 4409 john.rea@csgi.com Company Website https://www.csgi.com

March 01, 2021 06:00 AM Mountain Standard Time

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