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SOL-R Newsletter

As promised, we at are back with a few more updates!

I'd like to start off by saying the feedback about our 5% Deposit Bonus has been nothing but great so I wanted to offer this a little bit longer. This will end sometime Tomorrow, January 26th. Sometime near the late afternoon / evening. We hope you enjoyed this offer.

Secondly, it seems some have been a little unclear if they are receiving there interest when they have compounding set. To make this easier to see we have added a new field to your main dashboard called "Total Compounded Interest". This will show you exactly how much of your interest has been compounded. We hope this makes things a bit clearer.

And lastly is a feature update.
On occasion when requesting a withdrawal the payment processer will time out or do something else funny and your withdrawal will go to pending. We periodically check these throughout the day to process any pending withdrawals.
We have now taken this a step further to make it easier for all our great members.
If your withdrawal goes pending you can go to "Withdrawals" in your member panel, and cancel your pending withdrawal. Once this is done, wait a few minutes then request your withdrawal again.
If your withdrawal still doesn't get processed instantly, as your first step please check your profile and make sure you have your correct payment processor username set. If it is incorrect please correct it then follow the steps above to cancel and re-request your withdrawal.
As a last step, fill out a support ticket and we will get to this within 24 hours.

I apologize for the long winded email but I think this should help some members greatly.
We take your support issues seriously and work hard to come up with convenient solutions so feel free to offer up you suggestions. (Although we still don't plan on offering LR and PM, so no need to ask :D ).

Many Thanks and Good Prosperity,

Jonathan Krueger and the Worldpro Limited Team!
Jan-26-2013 12:17:29 PM
Sureinv News 25. Januar 2013
Hello all

A few weeks have passed since touching base with all of you! Things have been rather busy here at sureinv, so we feel the need to update you on our ongoing progress.

As most of you are aware of, sureinv started on November 15th last year and ten days ago we achieved our second full month online. During this time we have created personal relationships with many of our now over 2,100 clients and almost on a daily base we have discussions with some of you -- thank you for that! Mostly on issues of what we can do better, what we should do in the future and also what we should avoid. We are open to any kind of recommendations and constructive criticism as well, as both help us to understand our clients needs better.

According to our business plan, we have recently initiated Phase II of our advertising campaign. Some of you might have noticed more banners, more articles and more promotions on blogs, monitors and forums across the industry. This is part of our strategy 'Here today, Here tomorrow.'

Now let's get back to some concerns we have received from our clients:

1. Unverified Accounts
We have been informed that clients using certain Email providers, like Yahoo, Comcast, AOL, to name just a few, haven't received the activation Email sent out by our server during sign-up, thus couldn't activate their accounts. This is unfortunately a common issue with some Email providers.

We have therefore auto verified all current accounts with us. Also we have disabled this function now, so all newly created accounts does not need to get activated at all: Sign up, login -- thats it.

If you have signed up a couple of days or weeks ago, your account is active now!

For proper and timely communication, we endorse Google's Gmail. It's not only free -- but more importantly, hassle free as well.

2. Investment Slots
From the beginning of our journey, investments slots were limited to six per account only, which we felt would be sufficient for the majority of our clients. During the past few weeks we have noticed that some members found a way around this limitation, by opening additional accounts, which is strictly prohibited according to our Terms of Service, for various reasons. Please see our FAQ in regard. We will not impose any restrictions to those who opened multiple accounts, if no referral abuse has become apparent -- so please feel free to use your accounts as before. We have however lifted the limit of investment slots in general and as from now on you can have unlimited active investments with sureinv -- all under the umbrella of one account.

3. Client Promotion
We have received a lot of Emails recommending to involve our clients more in actively promoting sureinv and at the same time handing out incentives for those doing so. We are listening and are currently working on a action plan to get this implemented. Please expect us to have something in place as from February 1st. We will inform you by then.

4. Finally, a short reminder to our newest clients
Please notice that we DO NOT process any payments during weekends. Also interest is only credited from Monday until Friday.

Thanks for reading, take care and I'll see you all next week.

Best regards,
Jan-26-2013 12:17:05 PM
Friday newsletter - a few events worth uinvestors' attention
Friday newsletter - a few events worth uinvestors' attention
Management chat has a new format now.
UInvest moves on, as well as the management chat does. On Wednesday we had a management chat of a new format... It became thematic, meaning that it was dedicated to a certain topic of discussion. And it was well held by our team members, who did their utmost to reply to your numerous inquiries in the best manner. We consider it will be a great step forward to involve UInvest staff in the management chat, and have it in the thematic format, so that everyone will be on the same page.

Our Wish List Contest Winner!
Our Wish List Contest is now over. We were surprised to receive such a great number of responses from the participants. Please be sure our team will take into account all your wishes. We would like to let you know that Fantasia won according to the rules. The list of wishes from this agent will be considered and added to the GUN development plan in 2013! GUN Agent GR impressed us by the song "GUN Acad'm Star".We would like to sincerely thank you for your active participation in the contest, because your advices improve UInvest's functionality.We heartily congratulate the winner!
All the Bestfrom Uinvest,

UInvest Timeline is now available
Dear all, we will are happy to present you a new graphic user interface that will reflect the dates and names of all implemented options. We believe it will help everyone see that great progress that makes our company be the leader in the crowd funding industry. Every option will be located next to its date of the release. If you click on the option's name, you will be able to see its full functionality description. We truly hope you will enjoy this feature.

Article review
With tremendous success of our last week’s Honey Project originating from Slovakia, we decided to provide our uinvestors with a brief overview of the economy of this country to help them understand the “nature of the beast” for the sake of future investments. For full article, please, follow the link.

Tricky question:

The citizen of which country invented the first actively used parachute?
Please type your answer here.

Next letter will be issued on Friday, February 1st. Stay tuned!
Regards, UInvest Support Team.
Jan-26-2013 12:16:50 PM
New improvements coming! Benson Union
Dear investors! Benson Union is becoming larger day by day and we currently serve over 60,000 active accounts. Yesterday we moved database to more powerful server because the previous one started getting overloaded last weeks so now everything works more stable. Our mission is to make Benson Union a global worldwide-known company and we are doing our best to hit this target. After more than one year of stable work we decided to hire translate agency to translate our video presentation in 10 languages and it's in progress already. It will be a good update for our international clients who is new to Benson Union. Once its done, it will be easier for our regional representatives to introduce Benson Union presentation in their native language. Stay tuned!
Jan-24-2013 12:47:54 PM
OilofAsia Ltd Newsletter
Dear members,

after receiving several notices from our members about recent blackmail by scam program called Goldenarium, I decided to make an announcement. We are not connected with this scam project and their claims that we said that we are related with them are totally false. We never did so and there is no point of doing this, since they just a cheap scam who are not even monitored by anyone. I think that they just trying to get some attention by blackmail one of the most popular project those days. Please be careful and stay away from such a cheap projects.

Yours, Adam

OilofAsia Ltd
Jan-23-2013 01:47:23 PM
SolidTrustPay Added -

SolidTrustPay was added as new payment method accepted by Global Forex Capital.

Credit Card, Bank Wire, Cash Deposits, Check/Money Order/Bank Draft can be used to transfer money in your SolidTrustPay account.

You can withdraw money from SolidTrustPay directly to your STP debit card (or your Visa credit card) or by check or bank transfer.

SolidTrustPay is a secure and reliable payment system and it is recommended for making deposits/withdrawals here at Global Forex Capital.

With regards,
Global Forex Capital
Jan-22-2013 06:57:29 PM
Stabilico the minimum deposit amount is increased.
Dear Stabilico-Customers,

We want to announce that the minimum deposit amount is increased. At the moment the minimum deposit amount is $100

Jan-22-2013 06:56:08 PM
Stravia update
A lot of our users have reported not being able to access the site within the last 24 hours. We wanted to let you know that our site has been under constant attack since last night. We were forced to take the site offline for several hours this morning, since our host had to null route the traffic.

Since then, we have upgraded Stravia's DDOS protection to the highest level available at Blacklotus to Mitigation Critical and our site has been online since then with a few minor hiccups. The attack is ranging between 12-28 gbps over different carriers as reported by our host. The DDOS attack has now shifted to our DNS as the attacker failed to take down our website.

What this means for you is that the site might load a bit slower than usual, and at times it might fail to load. If that happens just retry accessing the site several minutes later. Rest assured we and our host are doing everything possible to keep the site up and running.

Instant withdrawals are still available as usual, however at times if the server is too busy to handle the request, the withdrawal request will get queued and we will process them manually.

Stravia Support Team
Jan-22-2013 06:35:47 PM
[Felmina Alliance] Official Newsletter
This is an official newsletter from Felmina Alliance Inc.

Monday, January 21, 2013, is the Birthday of Martin Luther King, Jr. - one of the official holidays in the United States.

We observe the official holidays in the US and Panama. According to our terms of service, we do not pay interest on weekend days and official holidays. Therefore, no interest will be paid on this day.

Please do not hesitate to contact us should you have any questions and need help with anything. Your thoughts on how to improve our website and the services we offer are more than welcome.

Best Regards,
Marketing Department,
Felmina Alliance Inc.
Jan-21-2013 03:54:21 PM
Stravia Newsletter
As we announced in our news section earlier, there will be a few revisions within the plans. The goal of this change is to help us become more sustainable in the long run. Please note, none of our current investors who have already deposited will be affected by any of these changes.

Standard Plan: The standard plan will be the same as it was, however we are no longer accepting deposits over $10,000 USD.

PLAN I: $10 - $500 2.7% daily profit
PLAN II: $501 - $1,000 2.8% daily profit
PLAN III: $1001 - $10,000 3.0% daily profit

Elite Plan: The Elite plan has been revised. The maximum deposit accepted is now lowered to $10,000 USD same as the Standard Plan. Plan I still offers the same daily profit rate of 3%, however interest rate has been lowered for Plan II and Plan III to achieve better sustainability.

PLAN I: $10 - $500 3.0% daily profit
PLAN II: $501 - $1,000 3.2% daily profit
PLAN III: $1001 - $10,000 3.5% daily profit

Affiliates: We will also be releasing better and more attractive banners for our program, so our affiliates can promote us better. If you already have our old banners displayed, then it will be automatically updated as soon as the new banners are here.

Just a reminder, we still offer 5% referral commission on deposits and also you get regular bonus commissions on active referrals. Please check your referral section on your Stravia account for more details.

Best Regards,
Stravia Team
Jan-12-2013 11:10:23 AM
UInvest Friday Newsletter
Search Box is launched!
We are pleased to inform you about one interesting innovation of our site. It is a “Search Box”! This option will significantly facilitate your navigation through our site. Now you can find any news by entering any original word. For example, by typing a word "contest", you can see all the news that contain this word. Simplicity is our core characteristic.

A complaint button stands for constructive criticism.
Your opinion is the main criterion in the assessment of our work results. We always try to obtain your opinion about our work, make a reasonable conclusion, and provide necessary implementations. One of our favorite expressions is “Deeds, not words”. Respectively, we want to announce that we are going to start up a Complaint button. Please, feel free to express your opinion and constructive criticism, but pay your attention to the following - a Complaint button works for sharing opinion about our service only.

GUN Academy Courses are about to start!
What is the best investment in the world? Of course, it is knowledge. We are glad to announce that GUN Academy courses start on 2/4/2013. If you want to become a successful and wealthy investor, you should definitely attend these necessary trainings. Needless to say, that you receive knowledge now and you will use it during all your life. Please subscribe to your course here.

Article of the week: Jobs act delayed again
For the wannabes that don’t have hundreds of thousands or millions of dollars to throw around, the Jumpstart Our Business Startups Act (JOBS) was an opportunity for small time angel investors to get into the game and for small businesses to raise money through crowdfunding. But eight months after President Obama signed the bill, The New York Times reports that the Security Exchange Commission (S.E.C.) has fallen behind and isn’t on track to meet the end-of-the-year deadline, meaning that it may not be until 2014 before the JOBS Act takes effect.

Next letter will be issued on Friday 18th of January. Stay tuned!


UInvest Support Team
Jan-11-2013 03:45:16 PM
Sureinv News 9. Januar 2013
Hello all

In todays newsletter I'd like to address a myth, that puzzled some of our clients who contacted us during the past few days, concluding that our investment plans are not thought through - or are even bizarre!

They say our 5% for 30 days plan is more profitable than our 3.5% for 60 days plan, if investing in the 30 day plan for a second term - after the expiration of the first term. This is of course not the case and I will explain to you why. So lets do the math:

First at all, we need to break down the interest rate into net profit. As you all know, the original principal is incorporated in your daily profit in all of our plans. The incorporated principal return rate is 3.333% daily for our 30 day plan, while 1.667% remains net profit. For our 60 day plan the incorporated principal return rate is 1.667% daily, while 1.833% remains net profit.

Now I will give you concrete example:

Lets assume you have $100 in your payment processor account and you are investing this $100 for 30 days with sureinv. After 30 days your payment processor balance will be $150. Right?

If you invest $100 again for a second 30 day term, your current payment processor account balance would be $50 for the time being. During the second term we pay you again $150 which is added to your payment processor account and leaves you with $200 in total.

Now, lets assume that you invest $100 into our 60 day plan: At the end of the 60 day term your payment processor account balance will be $210.

The above example shows us that the 60 day plan is indeed our most profitable plan.

In addition, lets have a look at the ever important risk factor as well. I am talking about the BEP or break-even point. The break-even point is the point at which gains equal losses, meaning that after that point you are in profit with your investment.

The break-even point for our 30 day plan is reached after 20 days, meaning that after receiving the interest on day 21 you are in profit. The break-even point for our 60 day plan is reached at 29 days, meaning that after receiving the interest on day 29 you are in profit.

On the other side, a second investment into our 30 day plan will result in just another 20 day period before reaching BEP.

I felt a necessity to explain our investment plans in detail, in order to avoid confusion among our clients while investing in any of our plans. In any case, you should be comfortable with your investment with sureinv and make your decision on what suits your investment goals best.

Thanks for reading, we are back soon with more news from sureinv.

Best regards,
Jan-9-2013 10:49:37 AM
Profit Clicking - Member Update December 31st, 2012
We're starting your New Year off with a

Folks ...we've experienced such an
overwhelming demand for an extension of
the 3% "Profit Explosion" promotion we
just couldn't say "NO" to our members.

In answer to your demands we have extended
our 3% promotion date until January 15,
2013! Go ahead!! Pop those numbers into
the Potential Earnings Calculator. Take a
look at how easily your financial future
can be altered to be what you've always
wanted it to be. It's all within your
reach now!

Just look at our top earners many of whom
who have enjoyed six figure and even
higher incomes. This can be you this
year!! Now is the time to grab that
opportunity it starts with 3% daily
earnings until maturity on all Ad Packs
purchased with new funding from now until
Jan 15th 2013. Instead of bringing in the
New Year with "Auld Lang Syne" bring in
your New Year with "Profits - Profits -

We have come such a long way in 2012 and
the Profit Clicking future has never
looked brighter for our members. Our
ProfitShift System checks have now been
concluded which is wonderful news since
this means, that all future ProfitShifts
will happen seamlessly. To view your
ProfitShift results please go to your
dashboard and click on "My ProfitShift
Center." Many of you will find a surprise
of an additional $20 worth of PC Panels
added to your account

In addition your earned PC Panels are
expected to be introduced into the system
so you can start earning on them within
the next few weeks, so get ready!"

But there was much more this year! On Dec
27th our excited hosts welcomed their
first guests into Abby's Open House. The
schedule can be found at:

There is more to know however about
Abby's. For those that don't know - Abby's
Open House is the latest in a powerful
arsenal of business-building tools that we
have made available for our members and we
are just getting started.

Abby's opens a new world of opportunity
for members who want to build their PC
business but struggle with having to
explain to others. All you have to do now
to enjoy 10% referral earnings on your
first level and 5% on your second level is
to share the PC opportunity with others.
We will take over from there.

The invitation to Abby's Open House will
be part of their "Welcome to PC" email.
Once they enter Abby's our hosts will take
over from there. You can rest assured that
your referrals will be warmly welcomed and
that all their new member questions will
be answered. Our hosts will ensure that
your referrals will be able to do their
free test drive immediately and therefore
realize their first profits within 24
hours without spending a dime of their own
money! It doesn't get any easier than

That is only the beginning of the Abby
story. Until we have Abby's perfectly
reflecting our standards of excellence -
we are maintaining a limited schedule
while we fine-tune. Shortly we will be
expanding Abby's Open House hours as well
as being able to offer the same service in
many languages.

If you haven't done so yet please be sure
to check out the Build-Your-Business area
where regardless of your experience in
online marketing you will find websites
ready for you to earn with along with
banners - pre-approved ads and much more.
All of which of course contain your
affiliate id so you can simply "select -
click and earn."

But - we know some of you are impatient
and are wanting to fast-track your
profits.. If you can't wait - then our
Training Center is the answer for you.
Regardless of what assistance you need our
marketing experts are there to train you!
Be sure to join in on one of our live
Trainings sessions. Our professional
trainers are waiting to help you skyrocket
your business into speedy profits. Take
advantage of the experiences of those who
have succeeded before you.

There is so much more to share but we will
draw to a close now. Before we do we want
to share a neat little feature to make
your life easier and more fun. On your
dashboard you will find the buttons for
"View Websites" are now visible in 3
dynamic colours. If you viewed less than 3
websites - the buttons will appear red. If
you have viewed up to 21 sites (which is 7
days worth of earnings) the buttons will
be orange. Finally if you have viewed 22
or more websites (maximum to be banked is
45 days worth which is 135 websites) the
buttons will appear in green.

You can now see at a glance where your
earnings for the day stand never again
will you forget to view your websites.
This little feature is all about making
earning with PC a breeze and we have many
such features coming just around the
corner. We'll give you just a hint -- you
can look forward in the New Year to our
Instant Earning feature and so much more!
Imagine - instant gratification - instant

Did you know that a few days ago we
successfully used our SMS notification
feature? Yes - SMS is working and working
well. You will be able to see your
earnings reflected on our phone as they
come in. Caching - Caching - Caching! is
the sound of 2013.

We're wrapping up an incredible year
folks. It has not always been smooth
sailing for us or for our members but the
hard times are behind us. 2013 will be an
amazing PC year. We will be unveiling more
and more of PC Profit Machines all
designed with your profits in mind in the
coming weeks. If you have always wanted to
succeed financially and thought that it
couldn't happen - know that you are in
fact in the right place at the right time.
Profit Clicking is "profits made simple"
literally. Our loyal members have seen
nothing yet.

We thank you sincerely for all of your
help and support and above all the
patience you have offered us. We promise
you PC is not just here to stay - it is
here to be an "Online Profit Explosion."
PC is the company that is putting profits
into the hands of the 98% who usually are
left without. 2013 will be a turning of
the tide for those who grab this

3% per day - don't forget - it's only
until Jan 15trh - we simply cannot extend
beyond this. Make your New Year profitable
starting today. Fund your account - grab
your Ad Packs and share the opportunity
and let us help your referrals. Then
simply collect the profits.

It is that simple. Happy New Year!

Working for our wealth and success always,

Profit Clicking Team

P.S. We challenge you to find any program
that's easier to make money with than
Profit Clicking.

P.P.S. Profit Clicking is likely to become
"the program everyone in the know joins."
If you join immediately, you can tell your
friends and contacts about it... before
they join under someone else.
Jan-1-2013 03:33:10 AM
Stravia - Update on deposits and withdrawals
Hello Tom ihyips,

Just a short update.

We apologize for the last few days, as there was an issue with deposits not getting credited instantly. We tried to handle the situation as best as we could, by crediting all the deposits manually even before you needed to place a support ticket with us. We would like to let you know that this issue has been fixed permanently.

Also, another change you might have noticed is the instant withdrawals on Liberty Reserve and Perfect Money systems starting 1st Jan. We would like to let you know that this is not a permanent change and our 36 hour withdrawal rule still applies as per our FAQ. However, for now instant withdrawals has been enabled and we like to see how it goes.

Best regards,

Peter M Voon
Stravia Team
Jan-1-2013 03:32:28 AM
UInvest | Thank you, 2012! Welcome 2013!
Dear ihyips,

Man is always planning and dreaming. This is the part of our nature. Sometimes we believe more, and sometimes we have less confidence in something. But there is a time of the year when plans for adults as well as children's dreams definitely come true. Everything, even the wildest fantasies, gains that confidence they lacked during a year.

Of course, we are talking about New Year's Day. This is that time period when children's dreams fully equate adults' plans. A magical time, isn't it? Though UInvest is not a Santa Claus, we prepared lots of gifts for our dear UInvestors, and implemented many important and expected options right before the Christmas time. 2012 was very productive and full of many new options, features, contests, awards, events, etc. Lots of new UInvestors joined our large friendly team in this year… As you can see we have solid grounds for being proud. Well done by all of us! We are living for you, and with you. We would like to state that in the upcoming year we will do our best to make our clients' plans real, we'll show the growth of financial stability and increase profits. In the New Year there will be more projects, and therefore more opportunities for investment. Let us take care of your well-being. And what the most important is that we would like to wish you and your families health, success and prosperity in 2013!

All the best from UInvest
Dec-31-2012 05:10:30 PM
Stravia Newsletter - Happy new year!

We the Stravia team would like to wish you and your family, a happy and a prosperous new year!

We have been working overtime to fulfill our member's expectation that is processing withdrawals and support tickets in due time. Unlike, other companies, we have not taken a day off throughout Christmas holidays and we are not planning on one now either. All our members, will also be paid interest throughout all public holidays on both plans, the only exception still being the weekends (that is saturday and sunday).

Sorry for the lack of newsletters till now, however you will definitely find us more active on 2013. We are looking forward and preparing ourselves for a successful year 2013, and we wish all the members who have joined us till now success with Stravia.

As always, you will be able to catch us on our support email 24x7, if you have any issues whatsoever.

Best regards,

Peter M Voon
Stravia Team
Dec-31-2012 05:09:16 PM
Sureinv News 31. December 2012
Hello all

Today, on the brink of a New Year, you're probably all creating numerous resolutions in your mind. And so do we. The team behind sureinv is looking forward to a great New Year - and we trust with all the support from our growing client base, we will succeed!

Just a few things, before I leave you to celebrate:

1. A few days ago we achieved our first mentionable milestone, by breaking the 1,000 client barrier. Currently there are more than 1,100 clients with us, all enjoying prompt payouts and speedy replies to their support concerns.

2. We have noticed an increased popularity in the Russian speaking market during the past weeks and decided to translate all public pages of our web portal into the Russian language. This has been done and you can visit our Russian language pages here, or by clicking on the Russian flag on top of our pages.

We are planning to add other features to enhance customer services in the coming weeks and months.

3. Tomorrow, on New Years Day, payouts will be processed as promised earlier, but we might not process that many times and the first round of payouts might come a bit later than usual. Sorry for this, but we are celebrating tonight as well.

Now - enough said for this year: We wish you the best possible start to the New Year and hope it will be profitable for you!

All the best,
Dec-31-2012 05:07:44 PM
Profit Clicking - Daily Update For December 28th, 2012
Happy Holidays!

This past year has been amazing!

Thank you for all for your hard work and
dedicated support. You are the reason why
Profit Clicking has been a huge success
in 2012.

From all of us here at Profit Clicking, we
wish you and your family a very happy,
successful and prosperous 2013.

Working for our wealth and success always,

Profit Clicking Team

P.S. We challenge you to find any program
that's easier to make money with than
Profit Clicking.

P.P.S. Profit Clicking is likely to become
"the program everyone in the know joins."
If you join immediately, you can tell your
friends and contacts about it... before
they join under someone else.
Dec-28-2012 07:25:49 PM
[Felmina Alliance] Holiday Season Gift!
Dear ihyips,

We at Felmina Alliance Inc. are sure that you are enjoying your Holiday Season!

To make it even more enjoyable we are offering all members a referral commission bonus whereby you will earn special 10% referral commissions on all bank wire and e-currency deposits made by your referrals from Friday, December 28, 2012 until Sunday, January 6, 2013. For bank wire transfer deposits the deadline will be Sunday, January 13, 2013. This offer applies to both regular customers and regional representatives.

Please do not hesitate to contact us should you have any questions and need help with anything. Your thoughts on how to improve our website and the services we offer are more than welcome.

Wishing you a Happy New Year!
Marketing Department,
Felmina Alliance Inc.
Dec-28-2012 01:15:52 AM
Benson Union Non-trading days due to holidays
Dear Benson Union investors, this year was very successful for both management team and investors and we will do our best to make the next year even much more successful. We would like to inform you that there will be non-trading days and no interest will be accrued from December 24 to January 3. Please note that live chat support will be partially available as well as telephone support. Anyway you can leave a message in our voicemail and we will call you back within 24 hours. We recommend to use e-mail and contact form support during holidays period. Results of deposits giveaway will be published by December 25. We appreciate your trust and loyalty. Stay tuned for next updates from Benson Union!
Dec-23-2012 02:40:20 PM
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