Aes Business Process Co Sourcing

Business Process Co-Sourcing
for InternatIonal ProfeSSIonal ServICeS fIrmS
w w w . a e s f i n a n c e . c o m

“aeS have enabled us to conduct business much more efficiently whilst eliminating our
makIng tIme for SuCCeSS need to allocate resources to non-core activities - so we can focus on both client and
company development”

A E S I n tE r nAtI o n A l S o l u tI o n S

aeS International Solutions
workIng wIth uS to AchIEvE your goAlS

many successful financial services firms and advisers want to
build more successful, profitable businesses that genuinely help
our Service offerings
their clients but struggle to find the time, resources and specific
AdmInIStrAtIon And tEchnology prActIcE mAnAgEmEnt wEAlth mAnAgEmEnt
expertise to do this.
our co-sourcing solutions are aimed to help leading firms deliver value-added service to
aDmInIStratIon, aCCountIng anD BuSIneSS tranSItIon BankIng anD truSt ServICeS
investors, reduce operational costs, manage business critical systems and meet regulatory
rePortIng • Business analysis and Benchmarking (Discovery) • Cash accounts
requirements through a highly defined partnership process.
• regulatory authorisation • Buy-out/exit Planning Strategy • term and liquidity accounts
• “Client value Segmentation”
• Private Banking Services
every aspect is designed to deliver measurable benefit which increases both the short and • Business terms • Client Proposition Development
• training and Competency • Card Solutions/Services
long term value of your business. By leveraging aeS expertise, resources and economies of
• global Wealth management Platform • Professional Connections • Custody/monitored locations
scale, you can concentrate on your core competencies and profit centres.
• Corporate Services • Clearance and Settlement
• application management • fee Based Propositions and transitions • asset Servicing/Corporate actions
three competencies form the core of our comprehensive set of solutions, Administration and • Business Continuity Planning
• Compliance • transaction execution
technology, practice management and wealth management. all of our services build from • remuneration Structures
• trade Capture and Support
these blocks and allow us to be an enabling strategic partner that benefits the businesses that • Data Capture
we work with and the lives of those within them. • advisor fee System CaSe management
InStItutIonal ServICeS
• reconciliation and audit • Sales and Planning Process,
• Specialist Solutions • Institutional lead referral Programme
We understand our success is wholly tied to your success. Whilst working to • management Information • Cross-Selling optimisation • eligible Introducer Due Diligence
constantly evolve and improve our proposition the principles remain the same: • adviser analytics • Service level agreements
• Customizable goals-Based Client Statements • group Schemes, global key accounts

01
• online Proposal tool • Development Programme
teCHnology • risk management
InCreaSe SHort term ProfIt anD long term value • advisers Work Stations • value Chain analysis/engineering
• master agency management/Partnership
• Compliant framework • Indemnity management
to increase the short term profit margin and long • Straight through Business Processing • risk Profiling
term value of companies that focus on the provision • tablet PCs
of financial services to private clients and companies
InveStment StrategIeS
• It Department outsourcing marketIng anD groWtH Programme
with cross border, in-patriate, expatriate or multi- • multi Currency model Portfolios
• adviser Websites/extranets • Custom marketing materials
jurisdictional needs. • Discretionary options
• Investor-approved Seminars
• online functionality • research Papers and Commentaries • manager-of-manager Solutions

02 eStaBlISHIng a unIQue netWork
• online Performance reporting
• White label Portals/order aggregation Systems
•
•
•
•
Quarterly Investment reviews
Coaching & growth Programmes
recruitment and retention
market Positioning & Branding
•
•
•
Income Suite
Capital growth Suite
Boutique funds
establishing a unique network that focuses solely on • aeS In-house Product Suite
• Data management • Strategic alliances
servicing this market segment means we can collectively • lead generation • Bespoke Design
• adviser reporting/mI • automatic rebalancing
share expertise, pool resources and collaborate to • Press and Public relations
substantially increase the financial return and value of our
respective businesses. vAluE growth SErvIcE

AES IntErnAtIonAl 2009 SErvIcES provIdEd by AES And ItS wholly-ownEd SubSIdIArIES. For IntErmEdIAry uSE only. not For publIc dIStrIbutIon |

workIng wIth AES IntErnAtIonAl

Working with aeS International
SAvIng you tImE, mAkIng you monEy, puttIng you FIrSt

We invite you to review the inserts in this
packet for more details about our specific
A fundamental belief of AES is that the current method of doing business is outdated.
solutions. for now, let’s focus on the benefits: a convoluted and inefficient chain strips value from both clients and advisers. Positive change is inevitable
and our value chain means a totally new way of doing business – increased client satisfaction, increased
how doES workIng wIth AES bEnEFIt you
revenue, increased value.
And your clIEntS?
there are innumerable benefits, but we’ll focus on four.

first, advisors gain the one thing they can’t buy – tImE. Working
with aeS relieves advisors from costly, time-intensive tasks, and old nEw
frees them up to focus on building lasting client relationships and
generating increased revenue. Client Client

that brings us to another benefit – AddIng vAluE to clIEntS. not Ifa
only will you have more time to work with clients, but you’ll have more
trusted adviser
to offer. Whether it is the delivery of a highly defined professional
investment process, accurate risk versus return analysis, multi-currency Ifa Company
model portfolios, a suite of off-the-shelf products or other requirements you’ll Be In gooD ComPany
– our investment team will deliver you the perfect solution. Broker/Sales Consultant

the next major benefit is mArkEt dIFFErEntIAtIon. With our the proof is in the experiences of individuals and companies that have been in your exact position.
Product Provider
goal based development strategies as well as scalable back-office this is why we ask all interested parties to spend time speaking with our partners to hear about
operations and marketing and communications support, you’ll stand their experiences and to examine in detail the value we have provided.
SErvIcE oFFErIng
out in an ever-more-competitive market. fund marketer

finally, you and your clients will ApprEcIAtE our StrEngth
fund manager
And StAbIlIty. as a directly regulated uk firm aeS meets pan
european levels of capital adequacy for banks, building societies and 009 award Shortlistings
complex investment firms. aeS conducts or is registered to conduct fund range AdmInIStrAtIon prActIcE wEAlth
And tEchnology mAnAgEmEnt mAnAgEmEnt
investment and insurance business and/or operations in more than Financial times global Awards
8 countries. • adviser firm of the year trAInIng dEvElopmEnt progrAmmE Custodian
• adviser firm of the year trEAtIng thE cuStomEr FAIrly progrAmmE

“my revenue is up almost 00% ytD, my equities vAluE growth SErvIcE

profit margin is also higher. my only regret is money marketing Awards
not knowing about aeS as early as I did!” • Best network and Support Services Provider award
• Best adviser training and Development award
rob reed | AuStrAlIA


AdmInIStrAtIon And tEchnology

administration and technology
lEt uS cArry thE loAd oF tImE-IntEnSIvE tASkS

aeS’s solutions can Specialist front, middle and back office solutions combine with the aeS technology platform to deliver substantial efficiencies. Streamlined infrastructure saves
radically simplify management time, reduces processing/operating costs, and scales easily to support your business’s growth and value. Working with aeS helps you grow your
business, save time, mitigate risk and get personalised help. Some of the ways we do this include: the benefits of a robust, compliance
administration, eliminate infrastructure are that you can
friction and help support demonstrate good practice to all your
Highly differentiated from insurance intermediaries (Ifas) – aeS can hold and clients and protect your business as
compliance with
control client assets directly – therefore delivering a much wider array of value it grows. this means your business has
market and regulatory added services. a real, tangible value to a potential
changes, enabling you to purchaser.
most non eea states accept our regulatory status for marketing and branch
concentrate on your most
profitable and enjoyable Business terms office purposes. We have extensive expertise in regulatory systems and Without these robust procedures any
controls which means that our partners benefit from: - financial services business is worthless as
business activities. • AbIlIty to opErAtE 100% lEgItImAtEly In multIplE jurISdIctIonS acquisition is impossible.
aeS International is genuinely whole of market with over 235 existing • AbIlIty to dEmonStrAtE clEAr rEgulAtory bEnEFItS to All clIEntS
individual terms of business across all business lines. • clEAr compEtItIvE AdvAntAgE ovEr thE vASt mAjorIty oF thE
compEtItIon
this means our partners benefit from: - • AbIlIty to rEducE ExIStIng rEgulAtory coStS And IncrEASE
• commISSIon EnhAncEmEntS bASEd on our volumE EnhAncEmEntS thE potEntIAl mArkEt IF currEntly AuthorISEd In A non
• potEntIAl IncrEASE through nEw lInES oF buSInESS pASSportIng EEA StAtE.
(IntErnAtIonAl gEnErAl InSurAncE, mortgAgES Etc) training and
• tImE And EnErgy SAvIngS through uSE oF EStAblIShEd tErmS
good complIAncE mEAnS good govErnAncE, Competency
oF buSInESS wIth ApproprIAtE IndEmnIty And rISk mAnAgEmEnt
procESSES In plAcE. SyStEmS And controlS, dEmonStrAblE procESSES
• mArgIn EnhAncEmEnt And rEducEd rISk through IndEmnIty training and competency is absolutely key to differentiating
And procEdurAl chEckS
mAnAgEmEnt. professional advisers.

We therefore provide and maintain the following toolbox: - Coherent and structured training within the international market place gives the
• Core Compliance guide following benefits: -
• mIfID terms of Business • bEttEr SAlES
• Compliance Plan and monitoring System • bEttEr clIEntS
• Complaints Process, Procedures and Handling • hIghEr mArgInS
• Conflicts of Interest Policy • bEttEr rEtEntIon.
• Data Protection Procedures
Compliance • money laundering Procedures We therefore provide the following toolbox to structure and maintain a
• Supervision templates professional tC framework: -
Directly authorised and regulated by the uk fSa as a mIfID • tCf Plan and Scheme • tC Scheme
compliant BIPru (bank, building society, complex investment) firm, • financial Promotions, advertising and Stationary rules • tC monitoring Plan
AES has cross border approval for investment and insurance • Core Documents guide (eg. Investments, pensions, insurance) etc • CPD framework
business in every EEA State. • monitoring registers • online learning Programme


administration and technology

“We aspire to
continually developing our already incredibly strong information technology outsourcing middle and back office operations will
make aeS the
systems and platforms. transform the way in which you do business – and
premier provider
your profitability. time and resources intensive
of international
technology planning and investment are core components of our strategic operations – often a source of client discontent
financial
business plan. Capacity and scale management coupled with our programme and runaway costs – will become an area of
services
development unit are the key ingredients in delivering powerful, robust, strength. you can then re-deploy resources to court
Human resources secure, and highly available systems. In this way our clients stay ahead in the new prospects or work with existing clients.
solutions for professional
intermediaries, so it is essential that
rapid market and regulatory change environment typical of today’s financial
all our staff, including advisers, lead
human capital and its effective management is at the absolute core services industry.
the market in terms of technical
of a successful professional business. In order to attract and retain the right
knowledge, application and
type of professionals it is key to have a coherent recruitment proposition, incentive aeS International’s open architecture technology easily integrates with
behaviour.”
and retention process in place. Being headquartered in london, aeS International your environment wherever you are located. our platform offers you fully
can easily attract, interview and process potential advisers in the uk and arrange for customised connectivity that seamlessly links your office, investment Sam Instone | md, AES london
them to be sent to your locations. this gives the following benefits: - professionals, clients, and the markets.
Seamless
• lESS tImE wAStEd on rEcruItmEnt
• bEttEr quAlIty rEcruItS We are the only organisation of advisers with a paperless way of
administration “aeS eliminate
• lESS turnovEr oF rEcruItEd StAFF duE to FAIlurE or rEtEntIon organising their business and clients through tablet PCs. this information the need to
problEmS uploads into our middle office system which provides unrivalled analysis, A serious cost to business is non revenue generating staff. We invest our profits
• IncrEASEd proFItAbIlIty retention, management and reconciliation functions. We have further provide very highly trained and competent administration staff allowing into developing
developed software that exports this live data to our clients own portal this overhead to be either cut or re-deployed on more efficient tasks. our our back office
We therefore provide the following toolbox to structure and maintain your where they have integrated access to all of their information /7. administrators complete highly defined technical and compliance functions – their systems
human capital: - Benefits include:- using our technology platforms and work to industry leading client servicing and controls reduce costs, problems
• Hr Core Documents including job descriptions, minimum standards and all • crEAtIon oF An ASSEt wIth An EASIly dEFInAblE vAluE standards. this means you benefit from: - and risk allowing us to work more
recruitment forms • mASSIvE tImE SAvIngS • dEmonStrAblE coSt SAvIngS effectively with our clients.”
• Contracts • rEducEd StorAgE rEquIrEmEntS • rEducEd buSInESS FrIctIon through trAInIng And rEtEntIon ISSuES
• employee and adviser Handbooks • thE bEnEFItS oF tEchnIcAl And complIAnt StAFF wIthout thE lawrence king | brAzIl
• appraisal and monitoring programme We offer a range of It services that massively changes the way our partners trAInIng coSt
work. these include: - • SupEr plEASEd clIEntS thAt ArE hAppy to rEFEr you morE buSInESS
• full outsourcing – server and email address creation, security, monitoring, “our clients
maintenance our services include: - seek all round
• email archiving • Data management excellence from
• Point of sale tablet data collation • application Processing their provider
• middle office Data Processing • Compliance – service
• Client Portal Creation and maintenance • file checks resilience,

flexible technology • It help desk that can resolve problems via remote access • Call recording precision and security.”
• Bespoke Programmes and programming • timing of clients (for segmentation or fees)
• availability management and System Performance • Stationary John viney | dId, AES london
At AES we recognise that robust technology is critical to • Information Security • PI Insurance
success in today’s financial markets. this is why we are committed to • aeS Web Services - extranets, calculators etc. • Continuity/Disaster Planning – data back-up etc


wE A lt h mA n AgE m En t

Wealth management
movIng vAluE And control to thE IFA And clIEnt

aeS International’s
global Wealth asset Servicing Clearance Settlement Custody
• dividends | Collection and Cash Processing • crESt | Settlement • nominee Support
Services enables processing of all CreSt Data management
an intermediary to
posting of cash dividend,
coupon, and unit trust income
• cheque management |
Incoming and outgoing
eligible securities
• International | Settlement
Services | Safe-keeping and
settlement of physical stock • data Input | Cash sheet Investment Strategies
• corporate Actions | processing of securities • ESoS and corporate and journal processing and
acquire, control, notification and processing of
cheque processing and
production from european, nominees | Settlement of manual data input AES provide a range of model, bespoke and
management of multicurrency
manage and report Corporate actions american, and asia Pacific employee option and share • data management | discretionary portfolios/management services – to make
payment facilities markets
transactions maintenance of client and sure advisers have access to highly professional investment
on the totality of all • ledgers | end investor • derivatives | Settlement instrument static data processes and demonstrable evidence of best practice.
multicurrency payment processing for futures and
client assets on a options
processing
• unit trusts | Settlement our proven investment process delivers: -
common operating processing for unit trusts
• Peace of mind to both you and your clients
platform. our in-house • Higher long term returns
solution enables firms • Demonstrable track record and expertise
Investment Support Services transaction execution • asset retention and revenue growth
to transform their management Services
reporting • Stock reconciliations | trade Capture and • trading Services |
• management reporting | management and verification
business model by • middle office | Direct
exception reporting and of securities accounts held
Support execution services for foreign
It includes: -
services to end investors • trade capture | exchange, equities, and
increasing efficiencies, • capital gains tax | Capital
trends analysis at securities depositories and
Institutional Production interest bearing products
• risk analysis Questionnaire and modelling Software
agents
• client reporting | • model Portfolios
scale and service. gains tax administration and
Scorecards, fails reporting,
• cash reconciliations | Development support and • unit trust dealing |
schedules management and verification maintenance of facilitation execution for unit trusts • Whole of market research Software
We endeavour to provide and tax reporting of cash accounts held at • fund/equity/Product research and Suitability report Suite
• valuations | Portfolio accounts • white labelling |
the support you require to • regulatory reporting | bank, agents, and securities execution services • Discretionary fund management
valuations • trade Support | Dealing
Client money, Inland revenue, depositories
manage the operational side • Stamp duty | verification, Desk support, trade booking, and settlement • Proprietary and off-the Shelf Products
financial Securities authority
of your business seamlessly. Collection, and payment of and middle office functions in client’s
(fSa)
following is an overview of Stamp Duty name tHe aeS PortfolIo ConStruCtIon ProCeSS
our areas of capability:

tHeSe ServICeS WIll external Portfolio
Cash Shares equities
Input objective
very SuBStantIally • Fx currency collEctIvE InvEStmEnt SchEmES
Proprietary Performance
InCreaSe your Direct access to all • money market experience target
• close Ended Funds PortfolIo
asset Classes
reCurrent revenue, this facility provides direct access • open Ended mutual
ConStruCtIon
Sector
fund requirements
Funds Selection
ProfIt margIn anD to a number of investment
instruments across a range of asset • Exchange traded Funds
BuSIneSS value aS Well Bonds notes (EtFs) alternative Investments
asset
allocation risk Profile
classes.
• bonds • real Estate Investment • Exchange traded
aS alloWIng furtHer trusts (rEIts)
• debentures derivatives | futures
aDmInIStratIve • convertible bonds options
SavIngS


p rA c tI c E mA n AgE m E n t

Practice management
InSIght, StrAtEgIES And cASE Support to hElp grow your buSInESS

aeS’s Practice management programmes enable you to take your practice from ordinary to outstanding.
We are a source of unrivalled intellectual capital – providing communication tools for both clients and How We’re Different
prospects – customised proposal support, market positioning and branding, growth programmes, access aeS’s singular focus is on your lasting success. our
team come to work each morning with one goal
How you Benefit
to strategic marketing alliances and business transition support.
in mind – helping you achieve your goals. your
clients and prospects will value the quality of your Business consultation, marketing support and useful communications translate
communications. Investors need information and to increased profitability and an enhanced, long term embedded value.
strong rationale for sticking with their investment as you put aeS solutions in place, win more new business and strengthen
strategies. a steady flow of market commentaries, relationships with clients, you will be laying the foundation for a successful
performance reports and research reports will practice for years to come.
help you educate and reassure your clients, while
positioning you as a valuable information source.
trusted Support
the benefits of our partnership
are an established support

What We Provide Client management | InformatIon analySIS Business value infrastructure and a committed
development strategy. the extent
our role is not to own your business or tell you of the support you will receive from
Whether you want to take your practice to a new level, or
how to run it. It is to build a successful long term aeS International is comprehensive,
simply better manage your caseload, aeS can help you:
partnership that helps you grow the value of your comprising training, compliance,
asset through tried and tested, professional systems. marketing and technical support for everything to do with growing and
• develop a differentiated proposition — add depth to
managing your business.
your proposal.
We are so confident of
• locate more qualified leads — enhance your
this transparent value the concept of network development and best practice is very important to
prospecting with coaching programmes and lead generation
that we offer our us and we have a number of arenas where the focus is on the partnership
programmes. Better qualified leads equal more conversions.
partners a guaranteed relationship. these are in office and out of office training, and an annual
• communicate with confidence — leverage
buy out scheme for Conference. these activities allow partners to express themselves and make
customisable, investor-approved materials including Business management | CommISSIon, leaD anD SaleS management
their business should operational recommendations, and the partner has opportunities to cement
personalised advisor videos, scripted investor
they wish to exit at any relationships with aeS.
presentations, market commentaries and market volatility
point in the future. thus
communications you can use on your website and in
delivering an easily In summary the total support package is technical, developmental and
email and print campaigns.
definable objective and personal. our success as a company is based on the success of our partners,
• position your practice for Success — take advantage
the peace of mind to and our set-up is focused to help you reach your goals.
of our alliances with marketing and seminar firms to
know how to calculate
enhance your firm’s brand. Stay ahead of trends with
what they will receive in Working with aeS, you can have confidence in our proven track record,
timely industry research, and evaluate your practice
the future. our technology, and the hands-on experience of our professionals. as the
using our profitability and efficiency metrics.
leading provider of these services, we bring total commitment to delivering
Sales Support | InStantly generateD rePortS (eg neeDS SHortfall) exceptional operational support.


o u tS o u r cI n g v c o -S o u r cI n g

“aeS IS a fInanCIal Integrator tHat aImS to BeCome tHe leaDIng gloBal
ProvIDer of ComPreHenSIve WealtH SolutIonS for fInanCIal ServICeS
outsourcing v Co-Sourcing fIrmS, aDvISerS anD HIgH-net-WortH InDIvIDualS.”

ultimately, the business partners an adviser selects to
help drive their business forward must demonstrate
the key competencies implicit within its design— cAtEgory outSourcIng co-SourcIng
international/offshore specialism, a global/multi
currency outlook, professionalism, and a fully compliant, ScopE tackles fairly discrete functions considered non-critical or peripheral addresses complete, continuous business processes critical to
to core business organization’s growth
seamless approach.
the service provider must take on much of the integration and delivery that
advisers promise their clients. examples of this include the delivery of online a collaborative and major strategic effort:
functionality, reliable and efficient servicing, investment management in line with • Provider understands buying firm’s business goals
agreed mandates, regular reporting and associated marketing, access to a wider • Company gives a business function to a provider to run (e.g. model • two firms create a strategy for combining their skills and
range of beneficial services such as Private Banking and Corporate formation. It’s ApproAch portfolio creation), and/or resources to meet the goals
the integration and delivery of these components—that’s the challenge. • Buys a product or application to perform a specific function (e.g., • Collaboration continues through all stages of progress toward the
back office system) business goal
aeS believe that the convoluted and disparate product distribution model of the past • Provider continually addresses changing needs and circumstances
is broken as the inefficiencies within this do not benefit the client or the adviser.
Successful advisers in the future must look for partners who can address whole
processes rather than just discrete functions; bring experts and specialist capabilities
to the table; and then to integrate all of these into the advisers business.
• Provider is directly accountable for skills and expertise it brings to
the enterprise
what we’re proposing within this document is new type of partnership, which • transactional relationship • Provider is jointly accountable with buyer for achieving specific
we refer to as co-sourcing. the diagram opposite defines our meaning of • Provider paid for delivering a service, whether or not buying business goals
co-sourcing by contrasting it with outsourcing – a generally well-understood rElAtIonShIp
organization reaches its business goals • requires an unprecedented degree of collaboration, sharing and
sourcing option. • roles of parties involved are generally well-defined and stable learning
• roles adjust to changes in the buying organization’s needs and
circumstances
aeS believe that the delivery of our integrated services and effective
co-sourcing does and will require a degree of trust that is unusual
in international business today. the onus is therefore on us as an
organisation to demonstrate the strengths so critical to trust—
professionalism, integrity, competency, reliability, transparency, delivery • Provider is best-practice expert in its field
and the unswerving devotion to the client’s best interest. • Provider is a skilled collaborator, strategic planner and business
• Provider excels in its area of expertise and performs a particular process expert
SkIllS function consistently for the life of the contract • Provider can consult, innovate, integrate and adapt its expertise to
we very much hope that after considering the initial information
ExpErIEncE • Provider interacts with buyer’s liaison to ensure service each buying company’s needs without adding cost
we have provided you will be interested in hearing more about AES
requirements are fulfilled • Provider practices what it preaches, co-sourcing with other
and our mission to introduce positive change to the international
financial services market. providers to ensure buyer gets a complete process

AES IntErnAtIonAl 2009 SErvIcES provIdEd by AES And ItS wholly-ownEd SubSIdIArIES. For IntErmEdIAry uSE only. not For publIc dIStrIbutIon |7

euroPe • aSIa • amerICa • afrICa • auStralaSIa

business process co-Sourcing

rEgulAtory dIScloSurE
to avoid misunderstandings, aeS may record telephone conversations.

aeS International is a trading style of aeS financial Services ltd which is
authorised and regulated by the financial Services authority.

rEgIStErEd oFFIcE
elysium gate, -8 new kings road
london, SW lZ
phonE 00 0 7999

FAx 00 708 770

www.AESFInAncE.com

regIStereD In englanD no. 08

a list of other aeS member firms is available on request.

tHe PurPoSe of tHIS BroCHure IS to gIve general InformatIon aBout our ProDuCtS anD ServICeS only. tHe InformatIon ContaIneD In tHeSe PageS IS not

IntenDeD to anD DoeS not ConStItute any offer By uS to Sell, neItHer IS It IntenDeD to Be an InvItatIon or SolICItatIon to Buy, any ProDuCt or ServICe

anD muSt not Be relIeD uPon In ConneCtIon WItH any InveStment or otHer DeCISIon. notHIng ContaIneD In tHeSe PageS ConStItuteS InveStment, legal,

tax or otHer aDvICe anD IS not to Be relIeD on In makIng an InveStment DeCISIon.

AES IntErnAtIonAl 2009 SErvIcES provIdEd by AES And ItS wholly-ownEd SubSIdIArIES. For IntErmEdIAry uSE only. not For publIc dIStrIbutIon |8

Aes Business Process Co Sourcing

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