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21 November 2o13

Using Technology to Bring Risk and Finance
Closer to the Business

INFORMATION INSIGHTS
To Bring Risk An...
21 November 2o13

Agenda
• QlikTech, Qlikview, and Business Discovery
• Qlikview in Financial Services
• Qlikview Solution...
21 November 2o13

QlikTech
3,000+ Financial Services clients

• Founded 1993 in Sweden
• 26,000 customers in 100
countries...
21 November 2o13

Enterprise Risk & Compliance for a Global Bank
Video Vignette - Customer Confidence

Qlikview
• Qlikview...
21 November 2o13

Data Discovery (aka Business Discovery)
• “Business Discovery” or
“Data Discovery” is
Business Intellige...
21 November 2o13

Qlikview in Financial Services
Front, Middle, and Back Office
Sales, Branches & Advisors
• Sales & Reven...
21 November 2o13

Qlikview Solutions for Risk Management
Find the Unknowns
• QlikView can consolidate large volumes of
dat...
21 November 2o13

QlikView Application Areas for Risk Management
Enterprise Risk Management
• Economic and Regulatory Capi...
21 November 2o13

Qlikview – Demo
Video Vignette – Commercial Credit Risk

QlikView for Enterprise Risk Management
• Chall...
21 November 2o13

QlikView for Credit Risk
• Challenge:
–
–
–

Optimize loan approval decisions
Reduce defaults and improv...
21 November 2o13

QlikView for Regulatory Compliance
• Obj ectiv e:
–
–

Eliminate risk and compliance silos and effective...
21 November 2o13

UK-based GlobalBank - QV in Group Risk
Utilised in Group Risk with a wide v ariety of applications being...
21 November 2o13

Case Study:
Bank Neuflize OBC (ABN AMRO)
• One of the top three private banking and wealth
management fi...
21 November 2o13

Qlikview Solution for Australia’s CCR
• Preparing for CCR

• Readiness Testing

• Operational Support

•...
21 November 2o13

Qlikview App for Credit Risk – Retail Banking
Empowering Credit & Business Teams
Function

Loan Officers...
21 November 2o13

Typical BI Approach in Banks – Too Com plex, Too Slow

Typical BI Approach in Regional Banks
Manual or N...
21 November 2o13

Qlikview As A Platform Enables Timely Aggregated
Relevant Information At The Right Time.
Global View of ...
21 November 2o13

QlikView in Risk Management – Global View of Risk
• Risk data discov ery: Business user led risk data ex...
21 November 2o13

Key Qlikview Contacts
Sharryn Millican – General Manager, Australia & New Zealand
Sharryn.Millican@qlikv...
21 November 2o13

Questions & Answers

Legal Disclaimer
This Presentation contains forward-looking statements, including, ...
21 November 2o13

Lance Tay

21
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Qlikview in Banking Business Intelligence - Interactive Risk Information Discovery. Lance Tay

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Qlikview in Banking. Business Intelligence & Interactive Risk Information Discovery. Credit Risk Analytics & Dashboard. Lance Tay. Australia Comprehensive Credit Reporting

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Transcript of "Qlikview in Banking Business Intelligence - Interactive Risk Information Discovery. Lance Tay"

  1. 1. 21 November 2o13 Using Technology to Bring Risk and Finance Closer to the Business INFORMATION INSIGHTS To Bring Risk And Business Together Lance T ay Head of Financial Services, Japan & Asia-Pacific ARCA National Conference 2013 Fairmont Resort, Blue Mountains 21 November 2013 Lance Tay Director of Financial Services lance.tay@qlikview.com Lance Tay is the Director for Financial Services Industry in QlikTech’s Global Market Development Unit. He provides deep domain expertise and solutions to QlikTech’s banking and insurance customers in Japan and Asia-Pacfic. Lance brings to this role a wealth of experience and valuable insight gained through over twenty years of experience working with some of the region’s largest financial services companies. His domain expertise includes retail banking, wealth management, cards services, trade payments, and P&C lines. Lance has worked with many financial services institutions in Australia, New Zealand, South East Asia, India, China, and S. Korea to envision and implement transformation programs in the areas of customer segmentation, acquisition, on-boarding, and retention. He is considered a business transformation and business strategy thought leader within the financial services sector. And, He is a regular commentator in leading industry publications and is often invited to speak at industry seminars about breakthroughs in retail financial services and IT strategy. Prior to joining QlikTech, Lance held management positions at The Boston Consulting Group, Accenture, Oracle Corp, and Procter & Gamble. Lance was also the general manager of the national check processing center for a major regional bank. Lance holds a MBA from Cornell University, and a Bachelor of Science from the Southern University of New Hampshire. Before settling down in Singapore, Lance lived in Sydney, Bangkok, Mumbai, and Geneva. Lance Tay 1
  2. 2. 21 November 2o13 Agenda • QlikTech, Qlikview, and Business Discovery • Qlikview in Financial Services • Qlikview Solutions for Risk Management in Banking - Enterprise Risk - Counterparty Risk - Credit Risk - Liquidity Risk - Operational Risk - Market Risk - AML and Fraud • Customer Case Studies • Qlikview Solution for Australia’s CCR • Qlikview Solution for Cross-Border Strategies & Challenges • Q &A Qlikview – Interactive Analytics Video Vignette - Business Discovery Lance Tay 2
  3. 3. 21 November 2o13 QlikTech 3,000+ Financial Services clients • Founded 1993 in Sweden • 26,000 customers in 100 countries – 1,800+ banking customers – 15 of the top 15 banks – 5 of the top 5 Insurers – 10 of the top 10 capital markets • 1,400+ employees across 28 offices in 23 countries • 1,200 global partners including industry specific technology, solution and SI partners Qlikview in Australian Banking QlikView is used in many areas of Australian Banks including: • Treasury dashboards (liquidity, funding, return, etc) • Market Risk Limits Management • Cards Product and Marketing Analy sis • Interest rate risk and VaR • Deposits Portf olio analysis • Global Capital Markets • “For v alue” batch monitoring • Expense Management • Retail Sales Dashboards – lending, deposits • Finance analy sis and what if • HR FTE, resource utilisation, gender equality, etc • Project Management consolidated v iew • Adv isor perf ormance and coaching • Cross Sell and Up Sell across businesses Lance Tay 3
  4. 4. 21 November 2o13 Enterprise Risk & Compliance for a Global Bank Video Vignette - Customer Confidence Qlikview • Qlikview is Business Discovery for Banking - the most demanding industry in the world • QlikView is the market-leading business discov ery platform for the f inancial serv ices sector by providing true self -service BI • QlikView empowers business users and decision-makers by providing access to data-driv en insights, business discov ery and collaboration • The experts in business discovery within f inancial services with a prov en set of solutions and methodologies for tackling the challenges f aced by today ’s financial institutions Lance Tay Gartner BI Platform User Survey 2011: #1 in Performance, Satisfaction with development tools and Lowest total cost of ownership 4
  5. 5. 21 November 2o13 Data Discovery (aka Business Discovery) • “Business Discovery” or “Data Discovery” is Business Intelligence with interactive reports and explorable data from multiple sources. • According to Gartner, "Data discovery has become a mainstream architecture in 2012” Insight Everywhere Business Discovery is a whole new way of doing things that puts the business user in control. Unlike traditional BI, where just a f ew people are inv olv ed in insight creation, Business Discovery enables everyone to create insight. It’s about workgroups, departments, and entire business units hav ing access to the data they need to make better decisions. With QlikView, businesses can take insight to the edges of their organization, enabling ev ery business user to do their jobs smarter and f aster than ever. Qlikview – Power to the User Video Vignette - A String of Related Questions Lance Tay 5
  6. 6. 21 November 2o13 Qlikview in Financial Services Front, Middle, and Back Office Sales, Branches & Advisors • Sales & Revenue Analysis • Customer Targeting • Wealth Management Analysis • Sales Performance Analysis • Online Channel Applications Executive Management • Executive Dashboards and Mobile • Balanced Scorecards • Predictive / What-If Analysis • Product Performance • Performance, Margins, Commissions Lending, Payments & Transactions • Transaction Activity Analysis - Deposits & Withdrawals - Payments & Collections • Mortgage and Loan Production • AML / Fraud Investigation Operations, IT, & Back Office • IT Systems & SLA Management • Project Portfolio Management • Physical Asset Inventory • Branch / Network Optimization • ATM Rationalization Risk Management & Compliance • Risk & Exposure Analysis - Credit, Market, Portfolio, Operational and Liquidity Risk • Compliance –Basel II, KYC, AML, USA Patriot Act, Dodd-Frank Portfolio Management • Portfolio Management & Analysis • Multi-Channel Performance • Product Research • Scenario / What-if Analysis Finance • Expense Management • Financial & Management Reporting • P&L Analysis by LOB • Fund Accounting / GL • Supplier Spend Analysis Dashboard Analysis Marketing & Product Management • Customer Cross-sell and Up-sell • Customer Profitability & Segmentation • Product Performance Analysis • Marketing Campaign Analysis • Web Analytics Risk Management – The Drive for Stability No Surprises ! • Risk management has been named as one of the top four financial services themes for 2012 by the “IDC Financial Insights 2012 Predictions” • In order to remain compliant and mitigate risk, financial institutions are seeking to adopt an enterprise-wide approach, ensuring risk management is woven into the decisionmaking processes across all lines of business, risk types and geographies • Financial institutions are pursuing tools that can provide risk personnel with the ability to view, interrogate and analyze their risk data on demand • Meeting regulatory compliance remains a top priority especially with regulations such as Basel II+ for banking and Solvency II for insurance Lance Tay BARC BI Survey 2011: #1 in Customer loyalty, Mobile use, Intent to buy more licenses, Performance satisfaction and Product features 6
  7. 7. 21 November 2o13 Qlikview Solutions for Risk Management Find the Unknowns • QlikView can consolidate large volumes of data from disparate sources into a single view • The in-memory ‘associative’ data layer allows users to interact with risk data in an intuitive interface which facilitates non-structured analytical paths and drill through to details • QlikView provides business users with the ability to explore risk data and answer questions without having IT deliver static or prompted reports which provide limited analysis capability • QlikView has an extensive partner solution and consulting offerings dedicated to risk management within financial services “It would take a year and a million dollars to implement this functionality with traditional BI” IT Team Lead, Major Com m er cial Lending Or ganization • QlikView has proven experience delivering complex risk solutions to banking, securities/investments and insurance clients Qlikview Key Functionality for Risk Management Uncover the Unknown Unknowns • Risk data discovery: Enables business users to explore and interpret risk data • Ad hoc analysis & reporting: Build simple or complex interactive reports from scratch • Risk data aggregation: Leverage in-memory storage to pull together data from multiple disparate sources at low levels of detail • Mobile consumption: Deploy risk content to iPads, iPhones and Android mobile devices • Regulator inquiries: Quickly answer questions and minimize manual efforts • Search: Locate risk data in structured and unstructured fields • Association: Find risk data relationships through built-in association functionality “With QlikView at the core, we have built a scalable and flexible data architecture with new processes to allow more efficiency in aggregating and reporting insurance program information.” CIO, Global Insur ance Or ganization • Drill down: Identify trouble spots and drill down to transaction level details • Integration: Integrate with custom or 3rd party risk calculation engines, portals and visualizations Lance Tay 7
  8. 8. 21 November 2o13 QlikView Application Areas for Risk Management Enterprise Risk Management • Economic and Regulatory Capital • Risk & Exposure Analysis • Credit, Operational, Market, Liquidity • Regulator and Board ad hoc requests • Executive Risk Dashboards / Scorecards Liquidity Risk • Intraday Liquidity Snapshot / Trend • Limit Management • Idiosyncratic Survival • Cash Flow Events • Liquid vs. Illiquid Products Counterparty Risk • Counterparty Performance Trends • Risk calculation / Simulation Integration: - Credit Valuation Adjustment (CVA) - Right Way / Wrong Way Risk Analysis - Risk Correlation Credit Risk • Mortgage and Loan Production • Delinquencies and Charge-Offs • Transaction Activity Analysis - Deposits and Withdrawals - Payments and Collections Operational Risk • Internal / External Events • External Loss Events • Risk Control Self-Assessments (RCSA) • Advanced Measurement Approach (AMA) • Data Quality and Controls Market Risk • Trade book performance and what-if: - Equity Performance - Interest Rates and FX Rates - Commodity Prices • Portfolio VaR, Stressed VaR AML and Fraud • Fraud Detection and Investigation • Suspicious Activities / Transactions • Watch List and Case Management • Transactional Pattern Analysis • Social Profiling Regulatory Compliance • Basel II+ (Banking) • Solvency II (Insurance) • Know Your Customer (KYC) • Treating Customers Fairly (TCF) • Sarbanes Oxley (SOX) Customer Examples Enterprise Risk Management Liquidity Risk Credit Risk Counterparty Risk Operational Risk AML and Fraud Market Risk Lance Tay Regulatory Compliance 8
  9. 9. 21 November 2o13 Qlikview – Demo Video Vignette – Commercial Credit Risk QlikView for Enterprise Risk Management • Challenge: – – – Consolidate risk analytics across multiple geographies, risk classes and lines of businesses Share insights with key executives, shareholders and regulators Better manage economic and regulatory capital • Solution: – – – Risk & exposure analysis across credit, operational, market, liquidity, etc Executive risk dashboards/scorecards to satisfy inquiries from regulators and the board Analyze economic and regulatory capital Risk Container solution, built by Project Brokers, QlikView Partner • Benefits: – – Lance Tay Help towards achieving the bank or insurer’s performance targets and deliver shareholder value Ensure effective internal reporting and external regulatory compliance 9
  10. 10. 21 November 2o13 QlikView for Credit Risk • Challenge: – – – Optimize loan approval decisions Reduce defaults and improve credit quality Manage portfolio credit risk • Solution: – – – Analyze credit applicant profiles based on peers Effectively track past due loans & forecast defaults Investigate credit portfolio risk • Benefits: – – – Reduction in loan defaults Increase in loan profitability More proactive credit portfolio management Credit Risk management example showing ‘what-if’ analysis QlikView for AML and Fraud • Challenge: – – Ability to detect and combat fraud at a corporate and executive board level Ability to spot and share knowledge regarding high-risk customers and fraudulent practices • Solution: – – – Rapidly integrates data sources and produces compliance analytics on demand Identify and mitigates suspect behavior or potential fraud Investigate and respond to ad hoc regulatory compliance requests Fraud example showing potential insurance claims fraud • Benefits: – – – Lance Tay Reduce regulatory fines and penalties Reduce reporting and manual data analysis costs Avoid potential reputational risk 10
  11. 11. 21 November 2o13 QlikView for Regulatory Compliance • Obj ectiv e: – – Eliminate risk and compliance silos and effectively manage risk across the business Compliance across multiple regulations and embed compliance across core business practices • Solution: – – – Deliver timely, accurate information to optimize risk processes and management Share risk insights with decision-makers throughout the organization Accurately identify and mitigate fraud and operational risk Regulatory Compliance example showing aggregated risk profile • Benefits: – – Compliance with evolving regulations, including Basel II+, Solvency II, FDICIA, GLBA, SOX, etc Deliver on demand, actionable analytics to ensure risk is understood and remediated quickly UK-based GlobalBank – QV in Market & Credit Risk Utilised in Market &Credit with a wide v ariety of applications being used: Users: 400-1,000 (globally) Market & Credit Lance Tay • • • • • • • • • • • Single Name Concentration Report Portf olio QV Market/Trading Risk Aggregation Counterparty Risk Settlement Risk Underwriting Contingent Risk 3D Stress (Portf olio Stressing) QMart – Basel III Exposures Credit Valuation Adjustment – Basel III 11
  12. 12. 21 November 2o13 UK-based GlobalBank - QV in Group Risk Utilised in Group Risk with a wide v ariety of applications being used: Users: 150-250 (Globally) Group Risk • • • • • • • • • • • • • • • Market Risk – Capital & Analy tics Europe Retail & Business Banking Group Wholesale Credit Risk Pillar 3 – Group Risk Operations & Reporting Stress Testing – Capital & Analy tics Fraud MI – Group Fraud Risk GXX – Group Risk FRXX Pack – Group Risk Liquidity Buffer Market Risk FXXX – Capital & Analy tics Retail Credit Risk Trading Market Risk – Market Risk Treasury Daily Risk – GMR BAU – Retail Credit Risk Case Study: Maj or Credit Rating Agency • Major credit rating agencies with a worldwide presence. T hey generate over $2B in annual revenue and have more than 3,500 employees • Challenges: – To allow all analysts to rapidly assess exposures, predict losses, estimate debt ratios, quantify analytics, and publish results to internal and external clients • Solution: – – – Credit Quality: Fast and flexible analysis of loan and pool level data before inclusion with existing datasets for rating Risk & Exposure: Dimensional analysis to discover trends, analyze spreads, and assess exposures across investment collateral and asset types Rapid implementation of very sophisticated application in less than six months • Results: – – – Lance Tay Improved credit risk assessment and understanding of exposures that factor into ratings Reduced average credit analysis time by weeks Improved consistency and accuracy of credit data Improved credit risk assessment and understanding of exposures Reduced credit analysis time by weeks 12
  13. 13. 21 November 2o13 Case Study: Bank Neuflize OBC (ABN AMRO) • One of the top three private banking and wealth management firms in France, with over $30B in assets under management • Challenges: – – Build a centralized, cross-entity operational risk monitoring system for controllers and executives Provide reliable, real-time tracking of processes across thousands of operational control points • Solution: – Deployed QlikView to central risk control organization for: • • • Operational Risk Monitoring and Fraud Investigation Centralized, real-time monitoring across 1,700 checkpoints, 8,000 instances, and 5m transactions Allowed team to compare and combine from different sources and standpoints to understand activity and pinpoint areas of concern • Results: – – Reduced operational risk by allowing investigation down to the transaction level, to uncover underlying drivers Eliminated 120 days of manual reporting effort for a team of 20 controllers Reduced operational risk by allowing investigation down to the transaction level Eliminated 120 days of reporting overhead for team of 20 controllers Qlikview Solutions • Australia’s CCR Privacy Code • Risk Decisioning Approach • Cross-Border Strategies & Challenges Lance Tay 13
  14. 14. 21 November 2o13 Qlikview Solution for Australia’s CCR • Preparing for CCR • Readiness Testing • Operational Support • Monitoring • Ensuring Compliance The Privacy Amendment (Enhancing Privacy Protection) Act 2012 • a simplified and enhanced correction and complaints process • a prohibitio n on the reporting of credit-related information about children • a prohibitio n on the reporting of defaults of less than $150 • the introduction of specific rules to deal with prescreening of credit offers • the introduction of specific provisions that allow an individual to freeze access to their credit related personal information in cases of suspected identity theft or fraud • the introduction of civil penalties for breaches of certain credit reporting provisions. New Shared Data Elements • • • • • Date account opened Credit limit of the account Ty pe of credit Date account closed Repay ment history Qlikview Risk Decisioning Spectrum From Visualization to Business Insights Cross-Border Customers / HNWI Risk & Margins Unsecured & Small Business Lending Mass Market & Secured Lending Lance Tay Inv estigative Decisioning Interactiv e Decisioning Visualization & Automated Decisioning 14
  15. 15. 21 November 2o13 Qlikview App for Credit Risk – Retail Banking Empowering Credit & Business Teams Function Loan Officers Credit Risk Management Lending Executives ALCO Compliance Officers Capability Goal Value Prov ide big-picture v isualization Optimize loan approval decisions Reduce defaults and improve credit quality Manage credit portfolio risk Meet regulatory requirements (eg CCR, Priv acy) Reduction in loan defaults Analyze credit applicant profiles based on peers Increase in loan profitability More proactive credit portfolio management Better track past due loans and forecast defaults Improve riskbased pricing and capital allocation Slice and dice credit portfolio to identify areas of risk concentration Decrease reputation risk High-light outliers Shared & Trusted Platform Qlikview – Illustrative Architecture for Risk & CCR rd Including bi-directional integration with 3 party risk calculation engines Filtered analysis Qlikview Risk Dashboards Session What-if Session Scenarios Optional: ‘W hat-if’ scenarios (custom UI) Risk Calc Engine Committed Scenarios Custom / 3r d Party Data Publisher Hosted QV Apps QlikView Credit Bureaus Credit Bureaus Internal Data Credit Score Trading data Lance Tay Risk data-mart / warehouse (optional) Loan data GL data Market data Calculated data Other data (.xls, etc) 15
  16. 16. 21 November 2o13 Typical BI Approach in Banks – Too Com plex, Too Slow Typical BI Approach in Regional Banks Manual or No Consolidation Country 1 Lance Tay Country 2 Complexity Times 10n - Timeliness - Accuracies - Completeness Country n 16
  17. 17. 21 November 2o13 Qlikview As A Platform Enables Timely Aggregated Relevant Information At The Right Time. Global View of Risks Global Single Customer View Shared Views ! Country 1 Country 2 Country n Summary Lance Tay 17
  18. 18. 21 November 2o13 QlikView in Risk Management – Global View of Risk • Risk data discov ery: Business user led risk data exploration • Risk reporting: Build simple or complex, interactive risk reports • Ad-hoc analy sis: Create custom reports from scratch • Risk data aggregation: Lev erage in memory storage to pull together multiple disparate sources at low lev els of detail • Mobile consumption: Deploy risk content to iPads, iPhones, Android, etc • Regulator inquiries: Quickly answer questions and minimize manual efforts • Search: Locate risk data in structured and unstructured fields • Association: Find risk data relationships through built in association logic • Drill down: Identif y trouble spots and drill down to transaction level details • Drill side-way s: Real-time For More Information http://www.qlikview.com/us/explore/s olutions/industries /financial-ser vices/banki ng Lance Tay 18
  19. 19. 21 November 2o13 Key Qlikview Contacts Sharryn Millican – General Manager, Australia & New Zealand Sharryn.Millican@qlikview.com +61 409 170 120 Simon Williams - Account Director Simon.Williams@qlikview.com +61 414 622 620 Lance T – Head of Financial Services, Asia Pacific & Japan ay Lance.tay@qlikview.com • +65 9737-9971 Lance Tay 19
  20. 20. 21 November 2o13 Questions & Answers Legal Disclaimer This Presentation contains forward-looking statements, including, but not limited to, statements regarding the value and effectiveness of QlikTech's products, the introduction of product enhancements or additional products and QlikTech's growth, expansion and market leadership, that involve risks, uncertainties, assumptions and other factors which, if they do not materialize or prove correct, could cause QlikTech's results to differ materially from those expressed or implied by such forward-looking statements. All statements, other than statements of his torical fact, are statements that could be deemed forward-looking statements, including statements containing the words "predicts," "plan," "expects," "anticipates," "believes," "goal," "target," "estimate," "potential," "may", "will," "might," "could," and similar words. QlikTech intends all such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in Section 21E of the Exchange Act and the Private Securities Litigation Reform Act of 1995. Actual results may differ materially from those projected in such statements due to various factors, including but not limited to: risks and uncertainties inherent in our business; our ability to attract new customers and retain existing customers; our ability to effectively sell, service and support our products; our ability to manage our international operations; our ability to compete effectively; our ability to develop and introduce new products and addons or enhancements to existing products; our ability to continue to promote and maintain our brand in a cost-effective manner; our ability to manage growth; our ability to attract and retain key personnel; the scope and v alidity of intellectual property rights applicable to our products; adverse economic conditions in general and adverse economic conditions specifically affecting the markets in which we operate; and other risks more fully described in QlikTech's publicly available filings with the Securities and Exchange Commission. Past performance is not neces sarily indicative of future results. The forward-looking statements included in this presentation represent QlikTech's views as of the date of this presentation. QlikTech anticipates that subsequent events and developments will cause its views to change. QlikTech undertakes no intention or obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. These forward-looking statements should not be relied upon as representing QlikTech's views as of any date subsequent to the date of this presentation. This Presentation should be read in conjunction with QlikTech's periodic reports filed with the SEC (SEC Information), including the disclosures therein of certain factors which may affect QlikTech’s future performance. Individual statements appearing in this Presentation are intended to be read in conjunction with and in the context of the complete SEC Information documents in which they appear, rather than as stand-alone statements. © 2013 Qlik Technologies Inc. All rights reserved. QlikTech and QlikView are trademarks or registered trademarks of Qlik Technologies Inc. or its subsidiaries in the U.S. and other countries. Other company names, product names and company logos mentioned herein are the trademarks, or registered trademarks of their owners. Lance Tay 20
  21. 21. 21 November 2o13 Lance Tay 21

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