CURO Group Holdings Corp. Announces First Quarter 2019 Financial Results and Authorizes $50 million Share Buyback Program

WICHITA, Kan.–(BUSINESS WIRE)–CURO Group Holdings Corp. (NYSE: CURO) (“CURO” or the “Company”), a
market leader in providing short-term credit to underbanked consumers,
today announced financial results for first quarter 2019.

“We are pleased to report that first quarter results exceeded our
expectations and 2019 is off to a very solid start,” said Don Gayhardt,
President and Chief Executive Officer. “We are especially encouraged by
the continued progress in Canada with better-than-expected sequential
earnings contribution affirming the success of our product transition in
the second half of 2018. Adjusted EBITDA for Canada increased 8.9%
versus the same quarter a year ago despite reduced Single-Pay yields and
strategic mix shift away from Single-Pay loans in Ontario. Our U.S.
business continues to do well and posted 10.5% revenue growth on 18.4%
loan growth.”

Consolidated Summary Results

    For the Three Months Ended (1)
(in thousands, except per share data)     3/31/2019     3/31/2018     Variance
Revenue $ 277,939     $ 250,843     10.8

 %

Gross Margin 105,497 105,846 (0.3 )%
Company Owned Gross Loans Receivable 553,215 369,330 49.8

 %

Net Income from continuing operations 28,673 24,913 15.1

 %

Adjusted Net Income (2) 37,950 37,212 2.0

 %

Diluted Earnings per Share from continuing operations $ 0.61 $ 0.53 15.1

 %

Adjusted Diluted Earnings per Share (2) $ 0.80 $ 0.78 2.6

 %

EBITDA (2) 61,329 63,269 (3.1 )%
Adjusted EBITDA (2) 72,854 76,751 (5.1 )%
Weighted Average Shares – diluted     47,319       47,416        
(1) Excludes discontinued operations; see “Results of
Discontinued Operations” for additional details of the discontinued
operations impact
(2) These are non-GAAP metrics; see “Results of Operations – CURO
Group Consolidated Operations” for a reconciliation to the nearest
GAAP metric for each of these non-GAAP metrics; see “Non-GAAP
Financial Measures” for definition of non-GAAP metric
 

First quarter 2019 financial developments included:

  • Revenue of $277.9 million, an increase of 10.8% over the prior year
    period, driven primarily by organic growth in the U.S. and Open-End
    growth in Canada. Year-over-year comparisons included an $8.9 million
    benefit from the Open-End loss recognition change (“Q1 2019 Open-End
    Loss Recognition Change”) discussed below offset by a similar increase
    in provision expense.
  • Growth in Company Owned gross loans receivable and Gross combined
    loans receivables of 49.8% and 44.2%, respectively. Year-over-year
    comparisons benefited from the Q1 2019 Open-End Loss Recognition
    Change. Excluding the impact of this change, Company Owned gross loans
    receivable and Gross combined loans receivables grew 41.0% and 36.6%,
    respectively.
  • Adjusted Diluted Earnings per Share of $0.80, an increase of 2.6% over
    the prior-year period.
  • Completed exit from U.K. market. Discontinued operations for our two
    U.K. subsidiaries through February 25, 2019 resulted in Net Income
    from Discontinued Operations of $8.4 million for the three months
    ended March 31, 2019 compared to the $1.6 million Net Loss in the
    prior-year quarter.
  • Recognition of the loss on investment in U.K. subsidiaries resulted in
    an estimated tax benefit of $47.4 million and is expected to result in
    the elimination of U.S. federal cash income tax payments for 2019.
  • Pay down of our Senior Secured Revolving Loan Facility from $20.0
    million to zero and reduction of the net balances drawn on our
    Non-Recourse Canada SPV Facility by $20.9 million.
  • Launched our new demand deposit account, Revolve Finance, sponsored by
    Republic Bank of Chicago. Revolve is being rolled out across our U.S.
    branches and provides customers with a checking account solution that
    combines a Visa-branded debit card, a number of technology-enabled
    tools and optional overdraft protection.
  • Our Board of Directors authorized a share repurchase program providing
    for the repurchase of up to $50.0 million of our common stock. The
    repurchase program will continue until completed or terminated. We
    expect the purchases to be made from time-to-time in the open market
    and/or in privately negotiated transactions at our discretion, subject
    to market conditions and other factors. Any repurchased shares will be
    available for use in connection with equity plans and for other
    corporate purposes.

Fiscal 2019 Outlook

The Company affirms full-year 2019 guidance as disclosed in its Current
Report on Form 8-K filed with the Securities and Exchange Commission on
March 1, 2019 as follows:

  • Revenue in the range of $1.154 billion to $1.173 billion, an increase
    from 2018 revenue of $1.094 billion of approximately $60 million, or
    5% to $80 million, or 7%
  • Adjusted Net Income in the range of $112.0 million to $128.0 million,
    an increase from 2018 Adjusted Net Income of $89.5 million of
    approximately $23 million, or 25%, to $39 million, or 43%
  • Adjusted EBITDA in the range of $240.0 million to $260.0 million, an
    increase from 2018 Adjusted EBITDA of $218 million of approximately
    $22 million, or 10%, to $42 million, or 20%
  • Estimated income tax rate in the range of 25% to 27%
  • Adjusted Diluted Earnings per Share in the range of $2.35 to $2.65, an
    increase from 2018 Adjusted Diluted Earnings per Share of $1.86 of
    $0.49 per share, or 26%, to $0.79 per share, or 42%

See “Fiscal 2019 Outlook – Reconciliations” at the end of this release
for a reconciliation to the nearest GAAP metric and “Non-GAAP Financial
Measures” for description of non-GAAP metrics.

Discussion of Consolidated Revenue by Product and Segment

Three Months Ended March 31, 2019

The following table summarizes revenue by product, including credit
services organization (“CSO”) fees, for the periods indicated.
Year-over-year comparisons for Open-End were affected by the Q1 2019
Open-End Loss Recognition Change. Throughout the release, data omits our
former U.K. operations for all periods presented, which we discontinued
in February 2019.

    For the Three Months Ended
      March 31, 2019     March 31, 2018
(in thousands, unaudited) U.S.     Canada     Total     U.S.     Canada     Total
Unsecured Installment $ 134,003 $ 1,775 $ 135,778 $ 120,476 $ 4,903 $ 125,379
Secured Installment 27,477 27,477 26,856 26,856
Open-End 32,593 20,276 52,869 25,834 1,389 27,223
Single-Pay 27,168 19,593 46,761 26,065 34,292 60,357
Ancillary 4,878       10,176       15,054   5,362       5,666       11,028
Total revenue     $ 226,119       $ 51,820       $ 277,939       $ 204,593       $ 46,250       $ 250,843
 

During the three months ended March 31, 2019, total revenue grew $27.1
million, or 10.8%, to $277.9 million, compared to the prior-year period,
predominantly driven by growth in Installment and Open-End loans from
strong customer demand and product introductions in new markets.
Geographically, total revenue in the U.S. and Canada grew 10.5% and
12.0%, respectively. From a product perspective, Unsecured Installment
and Secured Installment revenues rose 8.3% and 2.3%, respectively,
driven by related loan growth. Year-over-year Single-Pay usage was
negatively impacted by regulatory changes in Ontario as well as a
continued general product mix shift from Single-Pay to Installment and
Open-End loans in the U.S. and Canada. Open-End revenues rose 94.2% on
organic growth in legacy states in the U.S. and growth in Canada,
primarily after the introduction of Open-End products in Ontario in the
third quarter of 2018. Open-End loans in Canada grew $26.0 million, or
16.4%, sequentially (defined within this release as the change from the
fourth quarter of 2018 to the first quarter of 2019) and Single-Pay loan
balances stabilized in Canada sequentially. Ancillary revenues increased
36.5% versus the same quarter a year ago, primarily due to the sale of
insurance to Installment and Open-End loan customers in Canada.

The following table presents revenue composition, including CSO fees, of
the products and services that we currently offer:

    Three Months Ended March 31,
      2019       2018
Installment 58.7 %       60.7 %
Canada Single-Pay 7.0 % 13.7 %
U.S. Single-Pay 9.8 % 10.4 %
Open-End 19.0 % 10.8 %
Ancillary 5.5 %   4.4 %
Total     100.0 %       100.0 %
 

For both the three months ended March 31, 2019 and 2018, revenue
generated through the online channel as a percentage of consolidated
revenue was 46%.

Loan Volume and Portfolio Performance Analysis

The following table summarizes Company Owned gross loans receivable, a
GAAP balance sheet measure, and reconciles it to gross combined loans
receivable, a non-GAAP measure(1), including loans originated
by third-party lenders through CSO programs, which are not included in
the Consolidated Financial Statements but from which we earn revenue and
for which we provide a guarantee to the lender:

    For the Period Ended
(in millions, unaudited)     March 31,
2019
    December 31,
2018
    September 30,
2018
    June 30,
2018
    March 31,
2018
Company Owned gross loans receivable $ 553.2     $ 571.5     $ 537.8     $ 420.6     $ 369.3
Gross loans receivable Guaranteed by the Company 61.9       80.4       78.8       69.2       57.1
Gross combined loans receivable (1)     $ 615.1       $ 651.9       $ 616.6       $ 489.8       $ 426.4
(1)   See “Non-GAAP Financial Measures” at the end of this release for
definition and more information.
 

Gross combined loans receivable by product are presented below
(year-over-year and sequential comparisons for Open-End are affected by
the Q1 2019 Open-End Loss Recognition Change):

    For the Period Ended
(in millions, unaudited)     March 31,
2019
    December 31,
2018
    September 30,
2018
    June 30,
2018
    March 31,
2018
Unsecured Installment $ 161.7     $ 190.4     $ 185.1     $ 160.3     $ 156.0
Secured Installment 81.0 93.0 91.2 84.6 79.8
Single-Pay 69.7 80.8 77.4 84.7 82.0
Open-End 240.8 207.3 184.1 91.0 51.5
CSO 61.9       80.4       78.8       69.2       57.1
Total     $ 615.1       $ 651.9       $ 616.6       $ 489.8       $ 426.4
 

Gross combined loans receivable increased $188.7 million, or 44.2%, to
$615.1 million as of March 31, 2019 compared to $426.4 million as of
March 31, 2018. Geographically, gross combined loans receivable grew
18.4% and 125.8%, respectively, in the U.S. and Canada, explained
further by product in the following sections. Sequentially, gross
combined loans receivable declined $36.8 million, or 5.7%, for the three
months ended March 31, 2019 compared to $65.6 million, or 13.3%, for the
three months ended March 31, 2018 on expected and normal seasonal trends
from U.S. federal income tax refunds. The sequential decline for the
three months ended March 31, 2019 was offset by the continued growth in
Canada Open-End products, discussed further below.

Unsecured Installment Loans

Unsecured Installment revenue and gross combined loans receivable
increased from the prior year quarter due to growth in the U.S.,
primarily in California and CSO. Unsecured Installment gross combined
loans receivable grew $11.2 million, or 5.3%, compared to March 31,
2018, despite a decline in Canada of $22.6 million due to mix shift to
Open-End loans. In the U.S., Unsecured Installment gross combined loans
receivable increased 19.5% year-over-year. Canada was negatively
impacted by the growth and customer preference of Open-End during 2018,
as further discussed below. In Canada, total Unsecured Installment loan
originations declined $14.5 million, or 66.3%, from the first quarter of
2018 also due to mix shift. U.S. originations were up $12.1 million, or
9.5%, versus the prior-year quarter.

The net charge-off (“NCO”) rate for Company Owned Unsecured Installment
gross loans receivables in the first quarter of 2019 increased
approximately 377 bps from the first quarter of 2018, primarily due to
geographic mix shift from Canada to the U.S. Canadian balances were down
$22.6 million compared to the prior year due to shifting customer
preference from Installment to Open-End, while U.S. balances grew $28.4
million due to customer demand and higher advertising spend. As a
result, the U.S. percentage mix of total Company Owned Unsecured
Installment gross loans receivable rose from 76.4% last year to 91.2%
this year. The absolute level of NCO rates in the U.S. is higher than
Canada, so the relative growth in the U.S. balances resulted in an
overall increase in the consolidated NCO rate for Company Owned
Unsecured Installment loans. In addition, the NCO rate in the U.S. rose
from 20.5% in the first quarter of 2018 to 23.3% in the first quarter of
2019, because of both credit-line increases and expansion of the Avio
brand. As an immature portfolio, Avio has higher relative NCO rates.

The required Unsecured Installment Allowance for loan losses as a
percentage of Company Owned Unsecured Installment gross loans receivable
(“allowance coverage”) increased sequentially from 19.8% to 20.8%,
primarily as a result of higher NCO rates. Past-due Company Owned
Unsecured Installment gross combined loans receivable as a percentage of
related total receivables increased 230 bps to 25.2% from 22.9% in the
prior-year quarter on a consolidated basis. NCO rates for Unsecured
Installment loans Guaranteed by the Company decreased 314 bps compared
to the same quarter in 2018. The required CSO liability for losses
decreased sequentially from 15.0% to 14.4% during the first quarter of
2019 due to improving NCO and past-due rate comparisons.

    2019     2018
(dollars in thousands, unaudited)     First Quarter Fourth Quarter     Third Quarter     Second Quarter     First Quarter
Unsecured Installment loans:            
Revenue – Company Owned $ 65,542 $ 69,748 $ 64,146 $ 54,868 $ 58,437
Provision for losses – Company Owned 33,845   39,565   32,946   23,219   24,739  
Net revenue – Company Owned $ 31,697   $ 30,183   $ 31,200   $ 31,649   $ 33,698  
Net charge-offs – Company Owned $ 37,919 $ 37,951 $ 27,308 $ 26,527 $ 30,001
Revenue – Guaranteed by the Company $ 70,236 $ 75,559 $ 73,514 $ 60,069 $ 66,942
Provision for losses – Guaranteed by the Company 27,422   37,352   39,552   26,974   23,556  
Net revenue – Guaranteed by the Company $ 42,814   $ 38,207   $ 33,962   $ 33,095   $ 43,386  
Net charge-offs – Guaranteed by the Company $ 30,421 $ 38,522 $ 37,995 $ 25,667 $ 30,743
Unsecured Installment gross combined loans receivable:
Company Owned $ 161,716 $ 190,403 $ 185,130 $ 160,285 $ 155,957
Guaranteed by the Company (1)(2) 59,740   77,451   75,807   66,351   54,332  
Unsecured Installment gross combined loans receivable(1)(2) $ 221,456   $ 267,854   $ 260,937   $ 226,636   $ 210,289  
Average gross loans receivable:
Average Unsecured Installment gross loans receivable – Company Owned $ 176,060 $ 187,767 $ 172,708 $ 158,121 $ 168,773
Average Unsecured Installment gross loans receivable – Guaranteed by
the Company
$ 68,596 $ 76,629 $ 71,079 $ 60,342 $ 64,744
Allowance for loan losses and CSO liability for losses:
Unsecured Installment Allowance for loan losses (3) $ 33,666 $ 37,716 $ 36,160 $ 30,291 $ 33,638
Unsecured Installment CSO liability for losses (3) $ 8,583 $ 11,582 $ 12,750 $ 11,193 $ 9,886
Unsecured Installment Allowance for loan losses as a percentage of
Unsecured Installment gross loans receivable
20.8 % 19.8 % 19.5 % 18.9 % 21.6 %
Unsecured Installment CSO liability for losses as a percentage of
Unsecured Installment gross loans guaranteed by the Company
14.4 % 15.0 % 16.8 % 16.9 % 18.2 %
Unsecured Installment past-due balances:
Unsecured Installment gross loans receivable $ 40,801 $ 49,087 $ 49,637 $ 36,125 $ 35,647
Unsecured Installment gross loans guaranteed by the Company $ 7,967 $ 11,708 $ 12,120 $ 10,319 $ 8,410
Past-due Unsecured Installment gross loans receivable — percentage (2) 25.2 % 25.8 % 26.8 % 22.5 % 22.9 %
Past-due Unsecured Installment gross loans guaranteed by the Company
— percentage (2)
13.3 % 15.1 % 16.0 % 15.6 % 15.5 %
Unsecured Installment other information:
OriginationsCompany Owned $ 78,515 $ 114,182 $ 121,415 $ 114,038 $ 89,183
Originations – Guaranteed by the Company (1) $ 68,899 $ 89,319 $ 91,828 $ 84,082 $ 60,593
Unsecured Installment ratios:
Provision as a percentage of gross loans receivable – Company Owned 20.9 % 20.8 % 17.8 % 14.5 % 15.9 %
Provision as a percentage of gross loans receivable – Guaranteed by
the Company
    45.9 %     48.2 %     52.2 %     40.7 %     43.4 %

(1)

 

Includes loans originated by third-party lenders through CSO
programs, which are not included in the Consolidated Financial
Statements.

(2)

Non-GAAP measure – Refer to “Non-GAAP Financial Measures” for
further details.

(3)

Allowance for loan losses is reported as a contra-asset
reducing gross loans receivable while the CSO liability for losses
is reported as a liability on the Consolidated Balance Sheets.

 

Secured Installment Loans

Secured Installment gross combined loans receivable balances as of
March 31, 2019 increased by $0.6 million, or 0.7%, compared to March 31,
2018 while related Secured Installment revenue grew 2.3%. The NCO rate
was fairly stable and the past-due rate improved 120 bps year-over-year.
Secured Installment Allowance for loan losses and CSO liability for
losses as a percentage of Secured Installment gross combined loans
receivable decreased sequentially from 13.2% to 11.9% during the first
quarter of 2019.

    2019     2018
(dollars in thousands, unaudited)     First Quarter Fourth Quarter     Third Quarter     Second Quarter     First Quarter
Secured Installment loans:            
Revenue $ 27,477 $ 29,482 $ 28,562 $ 25,777 $ 26,856
Provision for losses 7,080   12,035   10,188   7,650   6,640  
Net revenue $ 20,397   $ 17,447   $ 18,374   $ 18,127   $ 20,216  
Net charge-offs $ 9,822 $ 11,132 $ 9,285 $ 9,003 $ 8,669
Secured Installment gross combined loan balances:
Secured Installment gross combined loans receivable (2)(3) $ 83,087 $ 95,922 $ 94,194 $ 87,434 $ 82,534
Average Secured Installment gross combined loans receivable $ 89,505 $ 95,058 $ 90,814 $ 84,984 $ 87,676
Secured Installment Allowance for loan losses and CSO liability for
losses (3)
$ 9,874 $ 12,616 $ 11,714 $ 10,812 $ 12,165
Secured Installment Allowance for loan losses and CSO liability for
losses as a percentage of Secured Installment gross combined loans
receivable
11.9 % 13.2 % 12.4 % 12.4 % 14.7 %
Secured Installment past-due balances:
Secured Installment past-due gross loans receivable and gross loans
guaranteed by the Company
$ 13,866 $ 17,835 $ 17,754 $ 15,246 $ 14,756
Past-due Secured Installment gross loans receivable and gross loans
guaranteed by the Company — percentage(2)
16.7 % 18.6 % 18.8 % 17.4 % 17.9 %
Secured Installment other information:
Originations (1) $ 33,490 $ 49,217 $ 51,742 $ 53,597 $ 34,750
Secured Installment ratios:
Provision as a percentage of gross combined loans receivable     8.5 %     12.5 %     10.8 %     8.7 %     8.0 %

(1)

 

Includes loans originated by third-party lenders through CSO
programs, which are not included in the Consolidated Financial
Statements.

(2)

Non-GAAP measure – Refer to “Non-GAAP Financial Measures” for
further details.

(3)

Allowance for loan losses is reported as a contra-asset
reducing gross loans receivable while the CSO liability for losses
is reported as a liability on the Consolidated Balance Sheets.

 

Open-End Loans

Open-End loan balances as of March 31, 2019 increased by $189.2 million
compared to March 31, 2018, primarily due to the launch of Open-End in
Canada in late 2017, which amounted to $167.1 million of the total loan
growth. Open-End balances in Canada grew $26.0 million sequentially from
the fourth quarter of 2018 ($22.2 million on a constant currency basis).
Remaining year-over-year loan growth was driven by the organic growth in
seasoned markets, such as Virginia, Tennessee and Kansas.

Q1 2019 Open-End Loss Recognition Change

Effective January 1, 2019, we modified the timeframe in which we
charge-off Open-End loans and made related refinements to our loss
provisioning methodology. Prior to January 1, 2019, we deemed Open-End
loans uncollectible and charged-off when a customer missed a scheduled
payment and the loan was considered past-due. Because of our continuing
shift to Open-End loans in Canada and our analysis of payment patterns
on early-stage versus late-stage delinquencies, we revised our estimates
and now consider Open-End loans uncollectible when the loan has been
contractually past-due for 90 consecutive days. Consequently, past-due
Open-End loans and related accrued interest now remain in loans
receivable for 90 days before being charged off against the allowance
for loan losses. All recoveries on charged-off loans are credited to the
allowance for loan losses. We evaluate the adequacy of the allowance for
loan losses compared to the related gross loans receivable balances that
include accrued interest.

The aforementioned change was treated as a change in accounting estimate
for accounting purposes and applied prospectively beginning January 1,
2019.

The change affects comparability to prior periods as follows:

  • Gross combined loans receivable: balances
    as of March 31, 2019 include $32.4 million of Open-End loans that are
    up to 90 days past-due with related accrued interest, while such
    balances for prior periods do not include any past-due loans.
  • Revenues: for the quarter ended March 31,
    2019, revenues include accrued interest on past-due loan balances of
    $8.9 million, while revenues in prior periods do not include
    comparable amounts.
  • Provision for Losses: prospectively,
    past-due, unpaid balances plus related accrued interest charge-off on
    day 91. Provision expense is affected by NCOs (total charge-offs less
    total recoveries) plus changes to the required Allowance for loan
    losses. Because NCOs prospectively include unpaid principal and up to
    90 days of related accrued interest, NCO amounts and rates are higher
    and the required Open-End Allowance for loan losses as a percentage of
    Open-End gross loans receivable is higher. The Open-End Allowance for
    loan losses as a percentage of Open-End gross loans receivable rose
    from 9.6% as of December 31, 2018 to 19.5% as of March 31, 2019.

The following table reports first quarter Open-End loan performance
including the effect of the Q1 2019 Open-End Loss Recognition Change:

    2019     2018
(dollars in thousands, unaudited)     First Quarter Fourth Quarter     Third Quarter     Second Quarter     First Quarter
Open-End loans:            
Revenue $ 52,869 $ 47,228 $ 40,290 $ 27,222 $ 27,223
Provision for losses 25,317   28,337   31,686   14,848   11,428  
Net revenue $ 27,552   $ 18,891   $ 8,604   $ 12,374   $ 15,795  
Net charge-offs $ (1,521 ) $ 25,218 $ 23,579 $ 11,924 $ 10,972
Open-End gross loan balances:
Open-End gross loans receivable $ 240,790 $ 207,333 $ 184,067 $ 91,033 $ 51,564
Average Open-End gross loans receivable $ 224,062 $ 195,700 $ 137,550 $ 71,299 $ 49,756
Open-End allowance for loan losses:
Allowance for loan losses $ 46,963 $ 19,901 $ 18,013 $ 9,717 $ 6,846
Open-End Allowance for loan losses as a percentage of Open-End gross
loans receivable
19.5 % 9.6 % 9.8 % 10.7 % 13.3 %
Open-End past-due balances:
Open-End past-due gross loans receivable $ 32,444 $ $ $ $
Past-due Open-End gross loans receivable – percentage     13.5 %     %     %     %     %
 

In addition, the following table illustrates, on a pro forma basis, the
first quarter of 2019 results if the Q1 2019 Open-End Loss Recognition
Change had been applied to our outstanding Open-End loan portfolio as of
December 31, 2018. This table is illustrative of retrospective
application to determine the net charge-offs that would have been
incurred in first quarter of 2019 from the December 31, 2018 loan book.
The purpose of this pro forma illustration is primarily to provide a
representative level of NCO rates from applying the Q1 2019 Open-End
Loss Recognition Change.

Pro Forma       2019
(dollars in thousands, unaudited)       First Quarter
Open-End loans:
Revenue $ 52,869
Provision for losses 25,317  
Net revenue $ 27,552  
Net charge-offs $ 31,788
Open-End gross loan balances:
Open-End gross loans receivable $ 240,790
Average Open-End gross loans receivable $ 245,096
Net-charge offs as a percentage of average gross loans receivable 13.0 %
Open-End allowance for loan losses:
Allowance for loan losses $ 46,963
Open-End Allowance for loan losses as a percentage of Open-End gross
loans receivable
19.5 %
Open-End past-due balances:
Open-End past-due gross loans receivable $ 32,444
Past-due Open-End gross loans receivable – percentage       13.5 %
 

Contacts

Investor Relations:
Roger Dean
Executive Vice President and
Chief Financial Officer
844-200-0342
[email protected]
or
Global
IR Group
Gar Jackson,
949-873-2789
[email protected]

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