This bill expands the authority of a credit union to establish branch offices.
Under this bill, with the permission of the office of credit unions, a credit union may
establish branch offices anywhere inside or outside of this state. This bill repeals the
authority for a credit union to establish a limited service office, although a credit
union may continue to operate a limited service office that is in existence on the
effective date of this bill.
Branch offices of non-Wisconsin credit unions
Current law does not specifically permit a credit union organized under the
laws of another state (non-Wisconsin credit union) to establish a branch office in this
state. This bill specifies that a non-Wisconsin credit union may establish a branch
office in this state if the office of credit unions finds that certain conditions apply to
the non-Wisconsin credit union. For example, the non-Wisconsin credit union must
be organized under laws similar to ch. 186, must be financially solvent, and must
have federal insurance for member deposits. In addition, the office of credit unions
must find that credit unions organized under the laws of this state are allowed to do
business under similar conditions in the home state of the non-Wisconsin credit
union.
Interstate mergers and acquisitions of credit unions
Under current law regarding interstate mergers and acquisitions of credit
unions, a credit union organized in this state may only merge with, acquire, or be
acquired by a state or federal credit union that has its principal office in Illinois,

Indiana, Iowa, Kentucky, Michigan, Minnesota, Missouri, or Ohio. This bill repeals
this geographic limitation on mergers and acquisitions of credit unions and, thus,
expands the number of credit unions that are eligible to merge with, acquire, or be
acquired by a credit union organized in this state.
Credit union reports and financial privacy
Current law contains several credit union reporting requirements and, with
certain exceptions, requires the office of credit unions to annually examine the
records and accounts of each credit union. The employees of the office of credit unions
and members of the credit union review board must keep information obtained in the
course of examinations confidential, with limited exceptions. A violation of this
confidentiality requirement is subject to a forfeiture of up to $200.
This bill expands the confidentiality requirement to also include information
contained in certain reports that a credit union provides to the office of credit unions.
In addition, this bill specifies that, with certain exceptions, any employee of the office
of credit unions or member of the credit union review board who discloses any
information about the private account or transactions of a credit union or who
discloses any information obtained in the course of an examination is subject to a fine
of not less than $100 nor more than $1,000, imprisonment for not less than six
months nor more than three years, or both, and may be required to forfeit his or her
office or position.
This bill also requires credit unions to comply with certain federal laws relating
to customer financial privacy and requires the office of credit unions to examine
credit unions for compliance with these federal laws.
Other credit union changes
Current law specifically requires any officer or employee of a credit union who
sells credit life insurance or credit accident or sickness insurance on behalf of the
credit union to pay to the credit union all commissions received from the sale. This
bill clarifies that an officer or employee of a credit union must pay to the credit union
all commissions received from the sale of any authorized insurance product sold on
behalf of the credit union.
This bill also creates a crime for knowingly falsifying certain credit union
reports or statements. Any person who commits this crime may be fined not less than
$1,000 nor more than $5,000 or imprisoned for not less than one year nor more than
15 years or both.
Under current law, credit unions are subject to the provisions of chs. 93 to 100
(agriculture, trade, and consumer protection statutes) that apply to businesses
generally. Banks, savings banks, and savings and loan associations are specifically
exempted from the definition of "business" that applies in the agriculture, trade, and
consumer protection statutes. This bill specifically exempts credit unions from this
definition.
Universal banks
Under current law, the division of savings institutions regulates state savings
banks and state savings and loan associations, and the division of banking regulates
state banks. This bill allows a state savings bank, state savings and loan association,
or state bank (financial institution) to apply to the division of banking to become

certified as a universal bank. If certified as a universal bank, a financial institution
may exercise certain powers, in addition to those that are granted under the statutes
under which the financial institution is organized. A universal bank retains its
status as a savings and loan association, savings bank, or state bank and remains
subject to existing regulatory and supervisory requirements, except to the extent
that these requirements are inconsistent with the requirements applicable to
universal banks. Universal banks are subject to the following provisions:
Certification of universal banks
A financial institution may apply to become certified as a universal bank by
filing a written application with the division of banking. In order to be certified as
a universal bank, the financial institution must meet all of the following
requirements: 1) the financial institution must be chartered or organized, and
regulated, as a Wisconsin financial institution and must have been in existence and
continuous operation for at least three years; 2) the financial institution must be
"well-capitalized," as defined in federal law; 3) the financial institution must not
exhibit moderately severe or unsatisfactory financial, managerial, operational, and
compliance weaknesses; 4) the financial institution must not have been the subject
of any enforcement action within the 12 months preceding the application; 5) the
most recent evaluation of the financial institution under the federal Community
Reinvestment Act must rate the financial institution as "outstanding" or
"satisfactory" at helping to meet the credit needs of its entire community; and 6) the
most recent report received by the financial institution evaluating the financial
institution's compliance with certain federal laws relating to customer privacy must
indicate that the financial institution is in substantial compliance with these federal
laws. If these requirements are met, the division of banking must certify the
financial institution as a universal bank. If a universal bank fails to maintain
compliance with these requirements, the division of banking must limit the
universal bank's exercise of universal banking powers. In addition, a universal bank
may be decertified if it fails to maintain compliance with these requirements. With
the approval of the division of banking, a universal bank may also elect to terminate
its certification. As a precondition to elective decertification, the universal bank
must terminate the exercise of all universal banking powers.
Organization and regulation of universal banks
A financial institution that is certified as a universal bank remains subject to
all of the requirements and duties, and remains able to exercise all of the powers, that
applied to the financial institution prior to its certification as a universal bank,
except to the extent that such requirements, duties, and powers are inconsistent
with the requirements, powers, and duties of universal banks. After a financial
institution becomes certified as a universal bank, the division of banking is
responsible for establishing the capital requirements applicable to the universal
bank.
A universal bank continues to operate under the articles of incorporation and
bylaws that were in effect prior to its certification as a universal bank, and these
articles and bylaws may be amended in accordance with the law governing savings
banks, savings and loan associations, or state banks, whichever is applicable, to the

financial institution. Current law generally prohibits a savings bank or a savings
and loan association from using the term "bank" in its corporate name without also
using the term "savings." Notwithstanding these provisions, the bill allows any
financial institution that becomes certified as a universal bank to use the term
"bank" in its corporate name without using the word "savings," subject to certain
limitations relating to the distinguishability of the name.
Under current law, the division of banking regulates mergers and acquisitions
of state banks, and the division of savings institutions regulates mergers and
acquisitions of savings banks and savings and loan associations. Under the bill, the
division of banking assumes responsibility for reviewing and approving the mergers
and acquisitions of all financial institutions that have been certified as universal
banks, including savings banks and savings and loan associations. The standards
to be used by the division of banking in reviewing a merger or acquisition of a
universal bank generally track the standards currently applicable to the various
financial institutions that may become certified as universal banks, except that
universal banks may generally acquire or merge with any type of financial
institution.
Powers of universal banks
The bill expands the powers of a financial institution that becomes certified as
a universal bank. Currently, savings banks, savings and loan associations, and
banks have differing powers under both state and federal law. Under the bill, a
universal bank is authorized to engage in any activity authorized for any savings
bank, savings and loan association, or state bank beginning on the first day of the
third month beginning after the bill's publication. In addition, the bill specifically
permits a universal bank to exercise all of the following powers:
1) Federal powers: Under the bill, with the approval of the division of banking,
a universal bank may exercise all powers that may be exercised directly by a national
bank, a federally chartered savings and loan association, or a federally chartered
savings bank. The division of banking may, however, require a universal bank to
exercise a federal power through a subsidiary of the universal bank to limit the risk
exposure of the universal bank.
In addition, with the approval of the division of banking, a universal bank may
exercise through a subsidiary all powers that a subsidiary of these federal financial
institutions may exercise.
2) Lending powers: Under current law, the lending powers of a financial
institution depend on whether the financial institution is organized as a savings
bank, savings and loan association, or state bank. The lending powers granted to
universal banks under the bill are most similar to the lending powers granted to state
banks under current law. Current law imposes some restrictions on the types and
purposes of loans that savings banks and savings and loan associations may make.
Under the bill, a universal bank may make, sell, purchase, arrange, participate in,
invest in, or otherwise deal in loans or extensions of credit for any purpose. Like state
banks, the limitations imposed on a universal bank's lending generally focus on the
total amount of liabilities of any one lender at any one time. Although the limit varies
depending on the lender and on the type of security pledged for the loan, the general

rule is that the total liabilities of any one person to a universal bank may not exceed
20% of the universal bank's capital.
The lending limits for universal banks are generally the same as for state
banks, except that universal banks are granted additional authority to lend, through
the universal bank or its subsidiaries, an aggregate amount to all borrowers from the
universal bank and all of its subsidiaries not to exceed 20% of the universal bank's
capital. However, the loans to any one borrower made under any lending authority
of the universal bank may not exceed 20% of the universal bank's capital. Loans
made under this additional authority are not subject to rules regarding bad debts or
classification of losses for a period of two years from the date of the loan. This
additional authority may be suspended by the division of banking. Among the factors
that may be considered by the division of banking in suspending this authority are
a universal bank's capital adequacy, management, earnings, liquidity, and
sensitivity to market risk. The bill prohibits a universal bank, in determining
whether to make a loan or extension of credit, from considering any health
information obtained from the records of an affiliate of the universal bank that is
engaged in the business of insurance, unless the person to whom the health
information relates consents.
3) Investment powers: A universal bank may purchase, sell, underwrite, and
hold investment securities, consistent with safe and sound banking practices, in an
amount up to 100% of the universal bank's capital. Investment securities include
commercial paper; banker's acceptances; marketable securities in the form of bonds,
notes, and debentures; and similar instruments. A universal bank may not invest
greater than 20% of its capital in any one obligor or issuer. A universal bank may
purchase, sell, underwrite, and hold equity securities, consistent with safe and
sound banking practices, in an amount up to 20% of the universal bank's capital,
unless the division of banking approves a greater percentage. A universal bank may
also invest in certain housing properties and projects, except that the total
investment in any one project may not exceed 15% of the universal bank's capital and
except that the total amount invested in housing properties and projects may not
exceed 50% of the universal bank's capital. A universal bank may take equity
positions in profit-participation projects, including projects funded through loans
from the universal bank, in an aggregate amount not to exceed 20% of the universal
bank's capital. The division of banking may suspend a universal bank's authority to
invest in profit-participation projects.
The bill permits a universal bank to invest without limitation in certain types
of securities, including: 1) obligations of certain federal agencies or federally
chartered corporations and associations; 2) deposit accounts or insured obligations
of insured financial institutions; 3) securities of certain business development
corporations and urban renewal investment corporations; 4) certain securities of
bank insurance companies; 5) securities of certain corporations operating automated
teller machines; 6) securities of service corporation subsidiaries of the universal
bank; 7) advances of federal funds; 8) risk management instruments, including
financial futures transactions, financial operations transactions, and forward
commitments, but solely for the purpose of reducing, hedging, or otherwise

managing its interest rate risk exposure; 9) securities of subsidiaries exercising
certain fiduciary powers; and 10) securities of agricultural credit corporations. A
universal bank may invest in other financial institutions. The investment powers
of a universal bank may be exercised directly or indirectly through a subsidiary,
unless the division of banking requires the investment to be made through a
subsidiary to limit the risk exposure of the universal bank. The bill contains specific
provisions governing the purchase by a universal bank of its own stock and of stock
in banks and bank holding companies.
4) Deposit and trust powers: The bill permits a universal bank to establish the
types and terms of deposits that the universal bank will solicit and accept. A
universal bank may pledge its assets as security for deposits. With the approval of
the division of banking, a universal bank may securitize its assets for sale to the
public, subject to any procedures established by the division of banking. A universal
bank may exercise safe deposit powers and have a lien for its safekeeping charges
on the contents of property accepted for safekeeping. If these charges remain unpaid
for two years or if property accepted for safekeeping is not called for within two years,
a universal bank may sell the property at public auction. The bill authorizes a
universal bank to exercise the same trust powers that trust company banks are
permitted to exercise under current law.
5) Incidental and related powers: Under the bill, a universal bank may exercise
all powers necessary or convenient to effect the purposes for which the universal
bank is organized or to further the businesses in which the universal bank is lawfully
engaged. Current law does not have a similar provision.
In addition to these necessary or convenient powers, the bill allows a universal
bank to engage in activities that are reasonably related or incident to the purposes
of the universal bank. With certain exceptions, a universal bank may engage in these
activities either directly or indirectly through a subsidiary. Under the bill, any
activity permitted under the federal Bank Holding Act satisfies the reasonably
related or incidental criterion. The bill also contains a list of specific activities that
meet the reasonably related or incidental criterion. The listed activities include: 1)
business and professional services; 2) data processing; 3) courier and messenger
services; 4) credit-related activities; 5) consumer services; 6) real estate-related
services; 7) insurance services, other than insurance underwriting; 8) securities
brokerage; 9) investment advice; 10) securities and bond underwriting; 11) mutual
fund activities; 12) financial consulting; 13) tax planning and preparation; 14)
community development and charitable activities; and 15) debt cancellation
contracts.
A universal bank may also engage in activities that the division of banking
determines by rule are reasonably related or incidental to these listed activities. In
addition, the division of banking, by rule, may determine that other activities are
reasonably related or incidental activities. In promulgating these rules, the division
of banking need not follow the standard notice, hearing, and publication
requirements that generally apply to administrative rule making.
A universal bank must give 60 days' prior written notice to the division of
banking of the universal bank's intention to exercise a necessary or convenient power

or to engage in a reasonably related or incidental activity. The division of banking
may deny a universal bank the authority to exercise a necessary or convenient power
or to engage in a reasonably related or incidental activity, other than an activity that
is contained in the specific list of reasonably related or incidental activities, if the
division of banking determines that the activity is not a reasonably related or
incidental activity, that the financial institution is not well-capitalized, that the
financial institution is the subject of an enforcement action, or that the financial
institution does not have sufficient management expertise for the activity. The
division of banking may also require a universal bank to engage in certain of these
activities through a subsidiary, with appropriate safeguards to limit the risk
exposure of the universal bank. Amounts invested in a single subsidiary that
engages in these activities may not exceed 20% of the universal bank's capital, unless
a higher percentage is approved by the division of banking.
For further information see the state fiscal estimate, which will be printed as
an appendix to this bill.
The people of the state of Wisconsin, represented in senate and assembly, do
enact as follows:
AB892, s. 1 1Section 1. 93.01 (1m) of the statutes is amended to read:
AB892,10,102 93.01 (1m) "Business" includes any business, except that of banks, savings
3banks, credit unions, savings and loan associations , and insurance companies.
4"Business" includes public utilities and telecommunications carriers to the extent
5that their activities, beyond registration, notice, and reporting activities, are not
6regulated by the public service commission and includes public utility and
7telecommunications carrier methods of competition or trade and advertising
8practices that are exempt from regulation by the public service commission under s.
9196.195, 196.196, 196.202, 196.203, 196.219, or 196.499 or by other action of the
10commission.
AB892, s. 2 11Section 2. 109.09 (2) (c) of the statutes is renumbered 109.09 (2) (c) 1. and
12amended to read:
AB892,11,913 109.09 (2) (c) 1. A lien under par. (a) takes precedence over all other debts,
14judgments, decrees, liens, or mortgages against the employer, except a lien of a

1financial institution, as defined in s. 69.30 (1) (b), that originates before the lien
2under par. (a) takes effect
as provided in subd. 2. and 3. or a lien under s. 292.31 (8)
3(i) or 292.81, regardless of whether those other debts, judgments, decrees, liens, or
4mortgages originate before or after the lien under par. (a) takes effect
. A lien under
5par. (a) may be enforced in the manner provided in ss. 779.09 to 779.12, 779.20, and
6779.21, insofar as those provisions are applicable. The lien ceases to exist if the
7department of workforce development or the employee does not bring an action to
8enforce the lien within the period prescribed in s. 893.44 for the underlying wage
9claim.
AB892, s. 3 10Section 3. 109.09 (2) (c) 2. of the statutes is created to read:
AB892,11,2411 109.09 (2) (c) 2. Except as provided in this subdivision, a lien under par. (a) does
12not take precedence over a lien of a financial institution, as defined in s. 69.30 (1) (b),
13against the employer that originates before the lien under par. (a) takes effect.
14Subject to subd. 3., a lien under par. (a) takes precedence over a lien of a financial
15institution against the employer that originates before the lien under par. (a) takes
16effect only to the extent that the lien under par. (a) is for unpaid wages of $2,000 or
17less earned by an employee within the 3 months preceding the date on which the
18employee files the wage claim under sub. (1) or brings the action under s. 109.03 (5)
19or the date on which the department receives the wage claim under s. 109.10 (4) (a),
20whichever is applicable. The precedence under this subdivision of a lien under par.
21(a) does not apply to a lien of an employee who is exempt under 29 USC 213 (a) (1)
22from the minimum wage and maximum hour requirements under 29 USC 206 and
23207 of the federal Fair Labor Standards Act, 29 USC 201 to 219, unless the employee
24is the direct and immediate supervisor of an employee who is not so exempt.
AB892, s. 4 25Section 4. 109.09 (2) (c) 3. of the statutes is created to read:
AB892,12,8
1109.09 (2) (c) 3. Notwithstanding subd. 2., a lien of a financial institution that
2exists on the day before the effective date of this subdivision .... [revisor inserts date],
3and that originates before a lien under par. (a) takes effect takes precedence over the
4lien under par. (a), and a lien of a financial institution for any amount advanced by
5the financial institution after a lien under par. (a) takes effect under a contract
6entered into before the effective date of this subdivision .... [revisor inserts date],
7including any extension or renewal of such a contract, takes precedence over the lien
8under par. (a).
AB892, s. 5 9Section 5. 186.01 (2) of the statutes is amended to read:
AB892,12,1410 186.01 (2) "Credit union" means, except as specifically provided under ss.
11186.41 (1) and 186.45 (1),
a cooperative, nonprofit corporation, incorporated under
12this chapter to encourage thrift among its members, create a source of credit at a fair
13and reasonable cost, and provide an opportunity for its members to improve their
14economic and social conditions.
AB892, s. 6 15Section 6. 186.02 (2) (a) 1. of the statutes is amended to read:
AB892,12,1716 186.02 (2) (a) 1. The conditions of residence or occupation which qualify persons
17that determine eligibility for membership.
AB892, s. 7 18Section 7. 186.02 (2) (b) 2. of the statutes is amended to read:
AB892,13,219 186.02 (2) (b) 2. Residents Except as otherwise provided in this subdivision,
20individuals who reside or are employed
within a well-defined neighborhood,
21community or rural district
and contiguous neighborhoods and communities. If the
22office of credit unions, subsequent to a credit union merger, determines that it would
23be inappropriate under the circumstances to require members of the credit union
24that results from the merger to reside or be employed in contiguous neighborhoods

1and communities, the requirement that these neighborhoods and communities be
2contiguous does not apply
.
AB892, s. 8 3Section 8. 186.02 (2) (b) 2m. of the statutes is created to read:
AB892,13,54 186.02 (2) (b) 2m. Individuals who reside or are employed within well-defined
5and contiguous rural districts or multicounty regions.
AB892, s. 9 6Section 9. 186.02 (2) (c) of the statutes is amended to read:
AB892,13,117 186.02 (2) (c) Members of the immediate family of all qualified persons are
8eligible for membership. In this paragraph, "members of the immediate family"
9include the wife, husband, parents, stepchildren and children of a member whether
10living together in the same household or not and any other relatives of the member
11or spouse of a member living together in the same household as the member.
AB892, s. 10 12Section 10. 186.02 (2) (d) of the statutes is renumbered 186.02 (2) (d) 1. and
13amended to read:
AB892,13,1714 186.02 (2) (d) 1. Organizations and associations An organization or association
15of individuals, the majority of whom the directors, owners, or members of which are
16eligible for membership, may be admitted to membership in the same manner and
17under the same conditions as individuals.
AB892, s. 11 18Section 11. 186.02 (2) (d) 2. of the statutes is created to read:
AB892,13,2119 186.02 (2) (d) 2. An organization or association that has its principal business
20location within any geographic limits of the credit union's field of membership may
21be admitted to membership.
AB892, s. 12 22Section 12. 186.11 (4) (title) of the statutes is amended to read:
AB892,13,2423 186.11 (4) (title) Investment in credit union service corporations
24organizations.
AB892, s. 13
1Section 13. 186.11 (4) (a) of the statutes is renumbered 186.11 (4) (a) (intro.)
2and amended to read:
AB892,14,63 186.11 (4) (a) (intro.) A Unless the office of credit unions approves a higher
4percentage, a
credit union may invest not more than 1.5% of its total assets in the
5capital shares or obligations of a credit union service corporation organizations that
6satisfy all of the following:
AB892,14,8 72. Are organized primarily to provide goods and services to credit unions, credit
8union organizations, and credit union members.
AB892, s. 14 9Section 14. 186.11 (4) (a) 1. of the statutes is created to read:
AB892,14,1210 186.11 (4) (a) 1. Are corporations, limited partnerships, limited liability
11companies, or other entities that are permitted under the laws of this state and that
12are approved by the office of credit unions.
AB892, s. 15 13Section 15. 186.11 (4) (b) (intro.) and 1. of the statutes are amended to read:
AB892,14,1514 186.11 (4) (b) (intro.) A credit union service corporation organization under par.
15(a) may provide goods and services including any of the following:
AB892,14,2116 1. Credit union operations services, including service centers, credit and debit
17card services, automated teller and remote terminal services, electronic transaction
18services,
accounting systems, data processing, management training and support,
19payment item processing, record retention and storage, locator services, research,
20debt collection, credit analysis and loan servicing, coin and currency services, and
21marketing and advertising services.
AB892, s. 16 22Section 16. 186.11 (4) (c) of the statutes is amended to read:
AB892,14,2423 186.11 (4) (c) A credit union service corporation organization may be subject
24to audit by the office of credit unions.
AB892, s. 17 25Section 17. 186.113 (1) of the statutes is amended to read:
AB892,15,6
1186.113 (1) Branch offices. If the need and necessity exist and with With the
2approval of the office of credit unions, establish branch offices inside this state or no
3more than 25 miles
or outside of this state. Permanent records may be maintained
4at branch offices established under this subsection. In this subsection, the term
5"branch office" does not include a remote terminal, a limited services office, or a
6service center.
AB892, s. 18 7Section 18. 186.113 (1m) (a) (intro.) of the statutes is amended to read:
AB892,15,108 186.113 (1m) (a) (intro.) Establish Before the effective date of this paragraph
9.... [revisor inserts date], establish
limited services offices outside this state to serve
10any member of the credit union if all of the following requirements are met:
AB892, s. 19 11Section 19. 186.113 (6) (b) and (c) of the statutes are amended to read:
AB892,15,1412 186.113 (6) (b) Act as trustees or custodians of member tax deferred retirement
13funds, individual retirement accounts, medical savings accounts, or other employee
14benefit accounts or funds
permitted by federal law to be deposited in a credit union.
AB892,15,1615 (c) Act as a depository for member-deferred member qualified and
16nonqualified deferred
compensation funds as permitted by federal law.
AB892, s. 20 17Section 20. 186.113 (24) of the statutes is created to read:
AB892,15,1918 186.113 (24) Funeral trusts. Accept deposits made by members for the
19purpose of funding burial agreements by trusts created pursuant to s. 445.125.
AB892, s. 21 20Section 21. 186.20 of the statutes is created to read:
AB892,15,23 21186.20 Financial privacy. A credit union shall comply with any applicable
22requirements under 15 USC 6801 to 6803 and any applicable regulations prescribed
23by the national credit union administration under 15 USC 6804.
AB892, s. 22 24Section 22. 186.235 (7) (a) (intro.) of the statutes is amended to read:
AB892,16,6
1186.235 (7) (a) (intro.) Employees of the office of credit unions and members
2of the review board shall keep secret all the facts and information obtained in the
3course of examinations, except or contained in any report provided by a credit union
4other than any semiannual or quarterly financial report that is regularly filed with
5the office of credit unions. This requirement does not apply
in any of the following
6situations:
AB892, s. 23 7Section 23. 186.235 (7) (c) of the statutes is created to read:
AB892,16,138 186.235 (7) (c) If any person mentioned in par. (a) discloses any information
9about the private account or transactions of a credit union or any information
10obtained in the course of an examination of a credit union, except as provided in pars.
11(a) and (b), that person may be required to forfeit his or her office or position and may
12be fined not less than $100 nor more than $1,000, or imprisoned for not less than 6
13months nor more than 3 years, or both.
AB892, s. 24 14Section 24. 186.235 (7m) of the statutes is created to read:
AB892,16,1715 186.235 (7m) Return of examination reports. Examination reports possessed
16by a credit union are confidential, remain the property of the office of credit unions,
17and shall be returned to the office of credit unions immediately upon request.
AB892, s. 25 18Section 25. 186.235 (16) (a) of the statutes is renumbered 186.235 (16).
Loading...
Loading...