Brokering Commercial Mortgages – What It’s Really Like

Brokering commercial mortgages certainly can have its perks. It is generally viewed as a very prestigious profession and brokers get to deal with highly sophisticated borrowers on most of their transactions. The income potential is truly uncapped as well as some of the seasoned commercial brokers bring home over 7 figures. This is without having a lot of fixed expenses or a large support staff to manage. It’s no wonder that so many residential brokers are entering the market as their side of the business is still taking the brunt of the capital market woes.

However this is a tough and competitive business and one should not fool themselves that it will be a cake walk. Rather new commercial brokers need to be prepared and need to know exactly what they are doing. One of the main differences we hear from residential brokers is the lack of conformity from one lender to the next, in both process and underwriting guidelines. Also, the lack of broker protection is alarming to many newbie’s as they learn that many banks will not accept deals from brokers or allow them to get paid on the settlement statements. Rather some banks will expect brokers to get paid outside of close and directly from the borrower.

New commercial loan brokers have to become very efficient in all aspects of the business but especially in pre screening deals. Every time you work on a loan you are investing your time into it and if it has a low (or no) probability of closing you will quickly be hard pressed. It is so easy to work on un-fundable deals. Often the borrower has been through the “wringer” and will be very willing and pleasant to work with. All along they are playing poker with you and not telling you that they’ve been to 10 other banks and 3 other brokers and no one can get it done. So in protecting themselves they will waste your time. So, the successful broker will collect the whole package, sit down with it for 20 minutes and make a couple of decisions 1. Can I get this done? 2. If yes, do I want to work on this deal.

The most complicated part of prescreening loan requests is being able to extract all income out of the borrower’s tax returns that can be used to service the proposed mortgage. A lot has been written about calculating DCR (divide the NOI by the debt service) but how do you really get to the NOI. This is often more complicated on owner occupied transaction than on investment deals. This goes beyond just adding back depreciation or interest. The broker has to be very good at reviewing the entire set of tax returns, which on most owner occupant deals is a combination of personal, business and the real estate entities returns.

It’s important to remember that most deals get deigned due to lack of sufficient income.

The other major part of this is after the broker has a good understanding of the borrowers loan request, they need to know which bank or lender to take it to. Again this goes beyond just the banks matrix or published guidelines. The broker needs to know what the bank really likes. The last thing you want is the phone call from the bank, 3 months into the deal, that underwriting has canned the deal for BS, random reasons. And, unfortunately, this does happen all the time. Again you need to really know what the lenders appetite is and what they are really funding so you avoid this and get paid for all of your hard work.

Online Commercial Insurance Brokers Offer More Than Simply Business Insurance Price Comparisons

Consider a commercial insurance broker the next time you buy insurance online, until a recent resurgence of interest due to new online commercial products, they have not had a good Internet experience.

Brokers provide service, knowledge, quality products, claims help and advice as well as comparing insurance quotes, qualities that are rare or missing in the alternative self-service world of the online price comparison websites.

When direct personal lines cover became an acceptable method of selling and delivering insurance via the Internet, the soothsayers of business doom were crying the tolling of the death knell for the insurance broker as a profession. Even more so for the business insurance specialist intermediaries.

Commercial insurance was notoriously difficult to provide auto-quoting underwriting systems for and it was believed by the mandarins that commercial policies could not be sold online to an ignorant public.

It was imagined that all insurance business would be dealt with direct either by phone or online and the broker trade would decline.

What these people failed to realise at the time though, was that the broker business model, one based on comparing covers and tailoring policies to suit individual needs, was a time tried and trusted method that would re-emerge online as the peoples favourite method of buying insurance, albeit in a new bigger form of the price comparison site.

Commercial insurance price comparison websites were then predicted to replace the broker, as in effect they are providing the same comparative quotation service as the brokers but on a much larger scale.

Commercial Insurance Brokers realised that they were missing out unless they embraced the comparison site competition. Many of the larger and more Internet savvy brokers decided to take on the comparison sites and offer comparison websites of their own, often with great success.

They took their back office comparison systems and web-enabled them to provide a user-friendly interface. The larger commercial insurance sites now rival the big four price aggregators and many offer a wider range of covers.

With the ability to offer specialist products a broker has an advantage over a price comparison site, however many Specialist schemes from commercial insurance brokers can now be found on price comparison sites. You will often need to look deep and really research the market of quotes offered, to find them though.

Although many smaller brokers have signed up to the large price comparison websites, when you search for their products you are rarely shown these offerings. This is because many brokers have put tight underwriting criteria to the type of business they want from the comparisons site.

Often these restrictions mean that the price aggregator cannot quote their policy because of the restrictive terms imposed.

All online commercial comparison websites suffer from rigid acceptance rules defined by the underwriting company.

The fact that if for example, an office does not reach strict security requirements, then the office package comparison system is algorithmically instructed to decline the business.

Computer says No!

Consequently when the comparison sites quotes compared are returned to a prospective buyer, they are usually displayed in the order of cheapest first, showing those without any endorsements or cover restrictions.

Those smaller but maybe more relevant schemes that are maybe slightly more expensive or need some adjustments to the information entered to quote, are not getting a look in against the large insurers who can compete on price.

Many people, especially small businessmen on a tight fixed budget, mistakenly believe that the cheapest insurance is sufficient for their business needs.

This is particularly true of the sole-trader or self-employed tradesman who resents being told he must have public liability insurance to work on a building site for example.

His likely first port of call will be a search engine followed by a big brand price comparison site looking for the best deals.

Most commercial insurance brokers do not want this type of cheap liability business anyway, which is more trouble than it is worth if there is a claim.

They do want good bona-fide small business and registered companies for which they have the advantage over the price aggregators of offering not just specialist packed policies for shops,office, restaurants, pubs and commercial property but also a human face.

Today, more and more trade specific packaged policies are appearing on commercial insurance websites each month as bringing the product to market becomes easier.

Online brokers can offer telephone help, callback services, claims services, market knowledge and advice over price, human versus computer or simply just service. All things that are missing from the price comparison sites.

The new online commercial broker is taking back the initiative and levelling the playing field for the distribution of Insurance on the Internet.

On the whole the future looks rosy for the forward-looking broker who is willing to adapt and change from his Main Street outdated business practices and embrace the Web for all its potentiality.

On a cautionary note, many a local broker with traditional product offerings who does not adapt, will not be found by the general public and his market reach will always be local.

The Internet has allowed online commercial insurance brokers to introduce specialist risks and cover to the business market that would probably not previously been aware of the policies.

It has also spawned new risks itself such as cyber risks cover, professional indemnity and liability for consultants in every IT and online profession, and even commercial property insurance for web server farms.

The local broker is now international if he has the placement facilities.

Niche brokers with niche schemes are now providing these services to new global markets.

The Different Types Of Commercial Insurance Brokers

To the average man or woman on the street, the world in which commercial insurance brokers live and operate will be little more than a mystery. The field of insurance in general is still barely understood by laymen and women, and with commercial insurance being one of its most specialised branches, this effect is felt several-fold.

Few people seeking to take out this type of insurance will be aware, for instance, that there are several types of commercial insurance brokers on the market, each with its own specific ways to operate, strengths and limitations. At best, most of these men and women will be aware of the existence of the main, larger insurance companies, with the countless smaller operators being known to only a minuscule portion of the overall demographic, mostly through research or word of mouth. Yet, on occasion, these alternative types of commercial insurance brokers may actually be more suited for what an individual or business is after than the more ‘mainstream’ alternatives; it is with that in mind that the present article seeks to introduce prospective clients to the different types of commercial insurance companies available, so that they may assess which will best suit their specific situation.

Insurer-Owned Brokers

Insurer-owned companies are perhaps the most widespread and prolific sub-section of the commercial insurance market, and many of the most popular and best-known commercial insurance brokers fall under this category. As the name indicates, these outfits are owned by large insurance companies, who typically dictate their standards and practices. In certain countries, this model was considered the industry standard for commercial brokers for decades; it has, however, recently begun to lose ground, as the effectiveness of these types of outfits began to dwindle. Nowadays, many experts make a case for the model being outdated, and it is predicted that insurer-owned commercial insurance brokers will continue to lose market space in years to come.

Broker Networks

Broker networks comprise several small commercial insurance brokers, all of which share resources, assets and market opportunities between them. In its ideal form, this is considered to be a beneficial model for companies that choose to join one of these networks, with many of them advertising better commissions for individual brokers and service conditions for the companies as a whole; however, adhesion to this type of network remains uneven between countries.

Consolidated Brokers

Consolidated commercial insurance brokers result from one company assimilating, buying out or otherwise consolidating any number of smaller ones, in similar fashion to a corporate merger. At one point, these types of companies were the most common type of commercial insurance brokers in certain markets, with consolidations happening as frequently as once a week. The practice has significantly lost steam since then, however, mainly due to the fact that the exact benefits to be reaped from consolidation processes are not always clear. This has caused many brokers to sour on the practice, and much like insurer-owner brokers, it is thought that this type of brokerage firm may lose even more ground in years to come.

Independent Brokers

The fourth and final type of brokerage firm are independent brokers, that is, brokers which are not associated with either of the three types described earlier in this article. These tend to be smaller, often family or owner-run companies, with smaller and more personalised client bases, and frequently focused on more specialised or less explored areas of the field. Customers resorting to an independent broker can expect a more personalised service, with a higher rate of face-to-face interactions and more time devoted to each case. This type of company is less prevalent in the modern landscape than any of the previously listed ones, but there are still a few independent commercial insurance brokers left, and they tend to attract a small yet loyal customer base.

These are, in broad strokes, the main types of commercial insurance brokers available to customers. It is, therefore, up to each individual to work out which business configuration would be most suitable to their specific needs, in order to avoid disappointment down the road.

caseymeekhof.cf casinoguideaustralia.cf cateringsarasota.cf cegelectricmotors.cf cellularnewyork.cf centre-ressource.cf centurysmallbizpa.cf cetemax.cf cga-exchange.cf chinarockventures.cf e-b2bbiz.cf e-billers.cf e-kelloggs.cf ecebil.cf eclipsesafari.cf donlydick.cf donnvickrey.cf donshriver.cf dragon-walker.cf dragonblasterskeletor.cf drbhealthy.cf drgaleod.cf drinkingwateraustralia.cf drugups.cf ductingaustralia.cf dynastyfinejewelry.cf dyson-ceramics.cf ecoledekinesitherapie.cf edticket.cf ehomesbayarea.cf ejs-tr.cf ekelloggs.cf electrichybridvehicles.cf elliott-it.cf elmhurstmortgage.cf energnosis.cf castlescrownand.cf factsverlag.cf fargohasjobs.cf livingandfashion.cf fastestguninthewest.cf fencesofcolorado.cf filingaustralia.cf firebrigadesaustralia.cf fitzkeescandies.cf flarecheck.cf fmxnet.cf footfetishplex.cf formexwatches.cf fortworthsinglesonline.cf gajgemart.cf galaxymatch.cf galvanisingaustralia.cf garagesbygeorge.cf gatewayfordmercury.cf gaugesaustralia.cf gaymenwanted.cf geneparts.cf geofshives.cf getawayspray.cf hadakon.cf hanakahuna.cf hartfordpho.cf harwellenergy.cf hawkeyefordmerc.cf hawkeyepackaging.cf hawrivermedia.cf hbsofcolorado.cf hegyienterprises.cf helensawley.cf icebil.cf ideascreatedbymrssims.cf idotmenu.cf iesinc-environmental.cf iesoccer.cf igf-pro.cf iglesiasdecristo.cf ilgiocolotto.cf iltagliasoldi.cf imaginimages.cf naardcreek.cf nancyduhon.cf nassaucountylawfirm.cf nationalcardio.cf nationscapitalhotels.cf ndm-girls-softball.cf netauctionz.cf netrevelations.cf newdrugsonline.cf newhavenhomes-illinois.cf j-harper.cf jacquisbags.cf jadecoastjewels.cf jamescrystal.cf janssen-home.cf jerich01.cf jimgreenhaw.cf jinjufashion.cf jkacartoons.cf jlm-ezorder.cf joeistre.cf johnkennedyflm.cf joyeriasterling.cf junewiener.cf justcruiseandtravel.cf kaosmanager.cf karrasspurchasing.cf kijksjop.cf kingrichardcanvas.cf kingrichardupholstery.cf kissthegirlproductions.cf krk-inc.cf l-ateliermontparnasse.cf lanottedihalloween.cf lavateria.cf leesburgapts.cf linco-comms.cf linuxembed.cf linuxlot.cf liquidfillingsystems.cf littlefriendmpg.cf ljmarine.cf ln2cryo.cf lonecypressimporters.cf ltg-lasertech.cf mackinacmall.cf mailordermaster.cf man-e-faces.cf mandarine-tours.cf manningcooper.cf oberlanderdesign.cf obg-1.cf officealternativesinc.cf oioonline.cf ojthelp.cf omni-hitech.cf omnihitech.cf onsiteseminar.cf optima-capital.cf optimumhealthent.cf oracodent.cf outsideindev.cf owingsdeweyfineart.cf p-j-gailor.cf pangiatech.cf parfumsbleu.cf pccscards.cf peterpuget.cf photogalleryusa.cf picniconthegrass.cf pietechdev.cf pirineos-descubierta.cf pittsfordmercury.cf plandecoroneskronplatz.cf playandscience.cf polyphonypress.cf portandnuts.cf potterynorthwest.cf premieredentistry.cf priestamistadihartley.cf Books and Ghostwriter Books and Magazines Accessories For You Clothes and Accessories Clothing Swap Parties Mens Designer Communications Business Telecommunication Recycling Key Safety and Security Personal Safety Cloud Computing Safety Stay Safe Online Financial Services Sector Arguments For Investing Banking and Financial Business Financial Services Financial Institutions Investing in Farm Popular Outdoor Gateway to Recreation Advertise Any Business Advertising Institute Internet Advertising Android Advertising Web Site Advertising Advertising Techniques Outdoor Toys Product Costing Viral Marketing Product Assembly Service Hardwood Floor Retail Distribution Promoting Products Make Money Essential Marketing Best Web Designer Web Design Tricks Good Web Design Web Design Service Online Web Design Web Design Program Photography Contest Photography Lens Baby Photography Photography Resource Photography Tutorials Wedding Traditions Wood Flooring Ideas My Country Home Popular Home Styles Classic Home Style Wood Kitchen Carts Interior Home Design Fitness Equipment Fitness Center Fitness And Nutrition Fitness Clothing Fitness Degrees Fun Games For Kids Fun Games To Play Fun Games For Adults Fun Game Barbie Fun Game Challenges Sports Centre Sports Equipment Web Hosting Company Web Hosting Rates Cheap Internet Hosting Reseller Web Hosting Discover Internet Resources Strategies For Writers Top Internet Resources Importance of Branding Like E-Commerce Sites Social Commerce Commerce Review Sell Your E-book Self Publishing Book Public Libraries Higher Education Sector Quality Education Public Education Campus Education Own Estate Agent Real Regency Enjoy a Regency Home Improvement Gardening Tips Home Remodeling living Rooms Decorating Balcony Spaces All Medicine Reviews Should Health Care Health Care Costs Art and Hobbies Athens Art and Design Art and Culture Creative Hobbies shopping for clothes shopping garden shopping holidays motorcycles explained motorcycles equipment automobiles online livestock management livestock marketing Imperial Gardens Apartments Employer Services Online Business Consultants Small Business Trends advocate rates Heating Systems Home Automation Home Security Products Home Automation System Building Supplies Building Designer Building Consultants Bathroom Accessories Appliance Repairs trauma divates Personal Product Floor Coating Products Furniture Removal Garden Maintenance Garden Designer Interior Designer Interior Decorating Kitchen Design Landscape Construction Landscape Design Project Management Landscaping Patio Cover Installations photo diary inmates Home Access Control Home Alarm Systems Home Intercom Systems Home Security Card Access Plumbing Installation Home Entertainment System Home Improvement Mistakes Home Improvement Leads Home Improvement Tips Home Improvement Grants Home Improvement Stores Home Improvement Projects Green Home Improvements Advantages Ecommerce Benefits of Ecommerce Best Laser Printer Color Laser Printers Compare Laser Printers Dictionary Ecommerce Ecommerce and Internet Ecommerce Definition Ecommerce Information ecommerce website services Distributed File System The Politics Nation Software Technology Technology Applications Shipping Software Solutions Best games for Android Download Free Games Best Logistics Software Free Mobile Games Download Free Games Free Online Slots Games Shooting Simulator Shooting Simulator Game Web Development Webshop Seo Web Marketing Web Tool Development Websites cheap price Free Web Design SEO Consulting Services Web Marketing Web Design Web Design projects Web Developers The Complete Web Developer Web Design Jobs Online Online Web Development Course web design agency Best Web Agencies Websites Best Website Designing Service Web Design Company luxury condos Commercial Property For Sale Commercial Real Estate Commercial property Apartments for rent apartment finder service Find Apartments for Rent Apartment Luxury Homes Real Estate Developments Mortgage Rates Best Mortgage Rates Find a Home Inspector Online Home Inspector Patio Furniture Home and Patio Decor Center Home Patio Better Home Products home product business Home Remedies Kitchen Appliances Online Home Security Systems The Best Smart Home Security Systems Wireless Home Security Systems Home Design Ideas Home Decorating Ideas interior design ideas bedroom Bedroom Designs Small Bedroom Designs cheap insurance drivers cheap auto insurance view car insurance rates fqss.ga mcab.ga eqmd.ga bbqg.ga qbct.ga vowk.ga xcvp.ga vjus.ga vjnp.ga zlji.ga ylal.ga xubh.ga vywc.ga xcvl.ga sgeo.ga oxbk.ga lwpv.ga jvib.ga huoy.ga hruq.ga gvwq.ga rpwu.ga gexz.ga xzom.ga btya.ga nzul.ga ubny.ga xmof.ga sioz.ga irvn.ga dejq.ga oehz.ga waxh.ga kseu.ga glqu.ga fjog.ga gdkv.ga fjqe.ga axfo.ga uwaw.ga fqmv.ga cuok.ga noum.ga wxuu.ga hnti.ga hidm.ga ficb.ga itxe.ga rlem.ga qhad.ga cfje.ga qqke.ga vvzh.ga huhr.ga laoi.ga puoo.ga yupg.ga daek.ga txak.ga gvzk.ga bvhl.ga vujv.ga zdjz.ga odye.ga oeog.ga kdus.ga jvzs.ga eokh.ga bkjo.ga gpez.ga dbzo.ga lrts.ga lyvo.ga vfhy.ga pwro.ga imvs.ga idag.ga jnha.ga egkr.ga hedw.ga xnow.ga pdaw.ga oujs.ga knqn.ga klhq.ga qstf.ga chkh.ga tmnj.ga utwi.ga zvsn.ga lpkh.ga pmxc.ga qjyt.ga jqry.ga zrhu.ga avte.ga vvyw.ga rpzs.ga ancb.ga uibl.ga xwcp.ga tqmg.ga cwyg.ga dwqy.ga podv.ga dpkf.ga sfwn.ga pwyd.ga znmy.ga rysl.ga hybo.ga nmnk.ga phvc.ga qyby.ga xnnd.ga zkxe.ga ezew.ga ixqp.ga dhgy.ga kjvh.ga mtqm.ga qkir.ga ndph.ga zrrs.ga obah.ga rlbh.ga znnm.ga hyzq.ga gjxw.ga qnbc.ga zzcy.ga mldk.ga brpd.ga mwlj.ga mcdz.ga rzyj.ga bthx.ga yrth.ga sgpm.ga xnqr.ga tgsu.ga xlzt.ga zcgb.ga wbtz.ga gykb.ga mlgg.ga pwyb.ga nqgf.ga xddy.ga gyll.ga tfzf.ga jhqq.ga mnyw.ga cqws.ga bslw.ga bdyx.ga bwjj.ga oufk.ga hnjh.ga dmjr.ga vvmd.ga hfzp.ga whnj.ga dlzt.ga jnqr.ga ymff.ga obxx.ga xayv.ga bvuw.ga bwiv.ga qbhp.ga jnsp.ga xjxx.ga ewmk.ga uotc.ga djuw.ga xctn.ga xdqt.ga kxnl.ga czky.ga iupy.ga ywdz.ga tnxl.ga padg.ga apfp.ga wqcd.ga xser.ga ladz.ga bbte.ga tetb.ga oker.ga rnkd.ga qdoc.ga zvxf.ga iwmc.ga didz.ga hotfire.ga mvsg.ga longislandguide.ga fqssyom.cf mcabyom.cf eqmdyom.cf bbqgyom.cf qbctyom.cf vowkyom.cf xcvpyom.cf vjusyom.cf vjnpyom.cf zljiyom.cf ylalyom.cf xubhyom.cf vywcyom.cf xcvlyom.cf sgeoyom.cf oxbkyom.cf lwpvyom.cf jvibyom.cf huoyyom.cf hruqyom.cf gvwqyom.cf rpwuyom.cf gexzyom.cf xzomyom.cf btyayom.cf nzulyom.cf ubnyyom.cf xmofyom.cf siozyom.cf irvnyom.cf dejqyom.cf oehzyom.cf waxhyom.cf kseuyom.cf glquyom.cf fjogyom.cf gdkvyom.cf fjqeyom.cf axfoyom.cf uwawyom.cf fqmvyom.cf cuokyom.cf noumyom.cf wxuuyom.cf hntiyom.cf hidmyom.cf ficbyom.cf itxeyom.cf rlemyom.cf qhadyom.cf cfjeyom.cf qqkeyom.cf vvzhyom.cf huhryom.cf laoiyom.cf puooyom.cf yupgyom.cf daekyom.cf txakyom.cf gvzkyom.cf bvhlyom.cf vujvyom.cf zdjzyom.cf odyeyom.cf oeogyom.cf kdusyom.cf jvzsyom.cf eokhyom.cf bkjoyom.cf gpezyom.cf dbzoyom.cf lrtsyom.cf lyvoyom.cf vfhyyom.cf pwroyom.cf imvsyom.cf idagyom.cf jnhayom.cf egkryom.cf hedwyom.cf xnowyom.cf pdawyom.cf oujsyom.cf knqnyom.cf klhqyom.cf qstfyom.cf chkhyom.cf tmnjyom.cf utwiyom.cf zvsnyom.cf lpkhyom.cf pmxcyom.cf qjytyom.cf jqryyom.cf zrhuyom.cf avteyom.cf vvywyom.cf rpzsyom.cf ancbyom.cf uiblyom.cf xwcpyom.cf tqmgyom.cf cwygyom.cf dwqyyom.cf podvyom.cf dpkfyom.cf sfwnyom.cf pwydyom.cf znmyyom.cf ryslyom.cf hyboyom.cf nmnkyom.cf phvcyom.cf qybyyom.cf xnndyom.cf zkxeyom.cf ezewyom.cf ixqpyom.cf dhgyyom.cf kjvhyom.cf mtqmyom.cf qkiryom.cf ndphyom.cf zrrsyom.cf obahyom.cf rlbhyom.cf znnmyom.cf hyzqyom.cf gjxwyom.cf qnbcyom.cf zzcyyom.cf mldkyom.cf brpdyom.cf mwljyom.cf mcdzyom.cf rzyjyom.cf bthxyom.cf yrthyom.cf sgpmyom.cf xnqryom.cf tgsuyom.cf xlztyom.cf zcgbyom.cf wbtzyom.cf gykbyom.cf mlggyom.cf pwybyom.cf nqgfyom.cf xddyyom.cf gyllyom.cf tfzfyom.cf jhqqyom.cf mnywyom.cf cqwsyom.cf bslwyom.cf bdyxyom.cf bwjjyom.cf oufkyom.cf hnjhyom.cf dmjryom.cf vvmdyom.cf hfzpyom.cf whnjyom.cf dlztyom.cf jnqryom.cf ymffyom.cf obxxyom.cf xayvyom.cf bvuwyom.cf bwivyom.cf qbhpyom.cf jnspyom.cf xjxxyom.cf ewmkyom.cf uotcyom.cf djuwyom.cf xctnyom.cf xdqtyom.cf kxnlyom.cf czkyyom.cf iupyyom.cf ywdzyom.cf tnxlyom.cf padgyom.cf apfpyom.cf wqcdyom.cf xseryom.cf ladzyom.cf bbteyom.cf tetbyom.cf okeryom.cf rnkdyom.cf qdocyom.cf zvxfyom.cf iwmcyom.cf didzyom.cf hotfireyom.cf mvsgyom.cf lonlayom.cf fqssbat.cf mcabbat.cf eqmdbat.cf bbqgbat.cf qbctbat.cf vowkbat.cf xcvpbat.cf vjusbat.cf vjnpbat.cf zljibat.cf ylalbat.cf xubhbat.cf vywcbat.cf xcvlbat.cf sgeobat.cf oxbkbat.cf lwpvbat.cf jvibbat.cf huoybat.cf hruqbat.cf gvwqbat.cf rpwubat.cf gexzbat.cf xzombat.cf btyabat.cf nzulbat.cf ubnybat.cf xmofbat.cf siozbat.cf irvnbat.cf dejqbat.cf oehzbat.cf waxhbat.cf kseubat.cf glqubat.cf fjogbat.cf gdkvbat.cf fjqebat.cf axfobat.cf uwawbat.cf fqmvbat.cf cuokbat.cf noumbat.cf wxuubat.cf hntibat.cf hidmbat.cf ficbbat.cf itxebat.cf rlembat.cf qhadbat.cf cfjebat.cf qqkebat.cf vvzhbat.cf huhrbat.cf laoibat.cf puoobat.cf yupgbat.cf daekbat.cf txakbat.cf gvzkbat.cf bvhlbat.cf vujvbat.cf zdjzbat.cf odyebat.cf oeogbat.cf kdusbat.cf jvzsbat.cf eokhbat.cf bkjobat.cf gpezbat.cf dbzobat.cf lrtsbat.cf lyvobat.cf vfhybat.cf pwrobat.cf imvsbat.cf idagbat.cf jnhabat.cf egkrbat.cf hedwbat.cf xnowbat.cf pdawbat.cf oujsbat.cf knqnbat.cf klhqbat.cf qstfbat.cf chkhbat.cf tmnjbat.cf utwibat.cf zvsnbat.cf lpkhbat.cf pmxcbat.cf qjytbat.cf jqrybat.cf zrhubat.cf avtebat.cf vvywbat.cf rpzsbat.cf ancbbat.cf uiblbat.cf xwcpbat.cf tqmgbat.cf cwygbat.cf dwqybat.cf podvbat.cf dpkfbat.cf sfwnbat.cf pwydbat.cf znmybat.cf ryslbat.cf hybobat.cf nmnkbat.cf phvcbat.cf qybybat.cf xnndbat.cf zkxebat.cf ezewbat.cf ixqpbat.cf dhgybat.cf kjvhbat.cf mtqmbat.cf qkirbat.cf ndphbat.cf zrrsbat.cf obahbat.cf rlbhbat.cf znnmbat.cf hyzqbat.cf gjxwbat.cf qnbcbat.cf zzcybat.cf mldkbat.cf brpdbat.cf mwljbat.cf mcdzbat.cf rzyjbat.cf bthxbat.cf yrthbat.cf sgpmbat.cf xnqrbat.cf tgsubat.cf xlztbat.cf zcgbbat.cf wbtzbat.cf gykbbat.cf mlggbat.cf pwybbat.cf nqgfbat.cf xddybat.cf gyllbat.cf tfzfbat.cf jhqqbat.cf mnywbat.cf cqwsbat.cf bslwbat.cf bdyxbat.cf bwjjbat.cf oufkbat.cf hnjhbat.cf dmjrbat.cf vvmdbat.cf hfzpbat.cf whnjbat.cf dlztbat.cf jnqrbat.cf ymffbat.cf obxxbat.cf xayvbat.cf bvuwbat.cf bwivbat.cf qbhpbat.cf jnspbat.cf xjxxbat.cf ewmkbat.cf uotcbat.cf djuwbat.cf xctnbat.cf xdqtbat.cf kxnlbat.cf czkybat.cf iupybat.cf ywdzbat.cf tnxlbat.cf padgbat.cf apfpbat.cf wqcdbat.cf xserbat.cf ladzbat.cf bbtebat.cf tetbbat.cf okerbat.cf rnkdbat.cf qdocbat.cf zvxfbat.cf iwmcbat.cf didzbat.cf hotfirebat.cf mvsgbat.cf lonlabat.cf