Беспружинные матрасы для взрослых: комфорт и здоровый сон
беспружинный матрас купить в москве [url=bespruzhinnye-matrasy-kupit.ru]bespruzhinnye-matrasy-kupit.ru[/url] .

Где купить Cummins M11: выгодные условия и быстрая доставка
двигатель cummins m11 [url=dvigatel-cummins-m-11.ru]dvigatel-cummins-m-11.ru[/url] .

Не откладывайте, химчистка мебели на дому в Москве ждет вас, быстрое выполнение заказа.
Химчистка клининг Москва [url=dom-clean-price.ru]dom-clean-price.ru[/url] .

Онлайн-займы без отказа: получите деньги на карту моментально
займы онлайн без отказов круглосуточно [url=dengikz.online]dengikz.online[/url] .

among them acquired "Moral

Избавьтесь от дефектов на кузове: полезные методики.
Полировка кузова автомобиля удаление царапин - [url=udalenie-czarapin.ru]udalenie-czarapin.ru[/url] .

Запчасти для тюнинга ВАЗ: улучшите характеристики вашего авто
купить запчасти на ваз [url=zapchasti-vaz1.ru]zapchasti-vaz1.ru[/url] .

Шукаєм потерпілих для подачі колективної заяви проти шахраїв.
Представляються співробітниками поліції, військовими, та входять в довіру для подальшої маніпуляції над людьми.
Вводять в оману довірливі верстви населення, ошукуючи їх на кошти та майно.
За відомими нам випадками, працювали з людьми більше року.

Всі відомі контактні телефони шахраїв
0677842000
0737842000
0688637610
0731332000
0671332000
0981522798
0638537802
067 784 2000
+380677842000
0677842000

Наразі проводяться роботи по встановленню персональних даних та місцеположення шахраїв.
Мої контактні номера 097 96 70 463 (Telegram), або пошта: maxynewsic@gmail.com
Якщо вас ошукали, опишіть свою ситуацію, спробуємо Вам допомогти

Hey people!!!!!
Good mood and good luck to everyone!!!!!

Суррогатное материнство в Москве: психологическая поддержка для будущих родителей
суррогатное материнство цены в москве [url=surrogatnoe-materinstvo-msk.ru]surrogatnoe-materinstvo-msk.ru[/url] .

secular brotherhoods of scribes.

Інтим масаж Київ, Харьків, Одеса, Дніпро, Львів, та інші міста.
Працюємо по всій Україні
Низькі ціни, для ЗСУ та поліції знижки до 50%
Контактні телефони:
067 784 2000, Адріана
+380677842000
0677842000

Додаткові телефони:
0688637610
0737842000
0731332000
0671332000
0981522798
0638537802
Фото, та варіанти наших працьовитих дівчат вишлю при уточненні міста в месенджери WhatApp/Signal.
Чекаєм на тебе. Незабутній відпочинок у розслаблюючій обстановці гарантуємо

Вы попали в самую точку. Мне кажется это очень отличная мысль. Полностью с Вами соглашусь.
• Новичкам сложно оперировать.

Ухахахах
<br>- Чек в отсутствии став, тот или другой надобно утвердить, полузащитник сможет загнуть документ. Это события отдает глагол руководящемуся игроку без увеличения ставок. Игра длится;

Testaru. Best known

Інтим масаж Київ, Харьків, Одеса, Дніпро, Львів, та інші міста.
Працюємо по всій Україні
Низькі ціни, для ЗСУ та поліції знижки до 50%
Контактні телефони:
067 784 2000, Адріана
+380677842000
0677842000

Додаткові телефони:
0688637610
0737842000
0731332000
0671332000
0981522798
0638537802
Фото, та варіанти наших працьовитих дівчат вишлю при уточненні міста в месенджери WhatApp/Signal.
Чекаєм на тебе. Незабутній відпочинок у розслаблюючій обстановці гарантуємо

?????? ?? ??? ???????? ?? ??????? ?? ???? ??? ?? ?? ?? ????????? ???????? ?????? ???????? ?? ????????? ????????? ????? ????? ?? ????? ???????? ??????????? ?? ??? ????????. ????? ????? ??????? ?? ??? ??? ???? ???????? ? ???????????? ??????????? ??? ?? ??????? ? ????????? ?????? ?? ??? ???? ??? ????????.

??? ????? ?? ??? ????? ??? ???? ????? ? ?????? ????? ?? ????????? ???? ?? ????? ????? ???????? ????? ? ?????????? ??? ??? ?????. ??? ??? ?? ???? ?????? ????? ?? ????? ?? ??? ???? ????? ???? ?????????? ????? ??? ??? ?? ???? ?? ??? ?? ???? ????? ???? ???? ???.

????? ?????? ?????? ????? ?? ????? ?????? ??????? ???? ???? ??????? ? ????? ??????? ???? ???? ????? ?? ????? ??? ?? ????? ?? ??? ???? ?????? ?? ????????? ???????? ????? ???????.

В этом что-то есть. Я согласен с Вами, спасибо за объяснение. Как всегда все гениальное просто.
- Где потренироваться за одно спасибо?

Інтим масаж Київ, Харьків, Одеса, Дніпро, Львів, та інші міста.
Працюємо по всій Україні
Низькі ціни, для ЗСУ та поліції знижки до 50%
Контактні телефони:
067 784 2000, Адріана
+380677842000
0677842000

Додаткові телефони:
0688637610
0737842000
0731332000
0671332000
0981522798
0638537802
Фото, та варіанти наших працьовитих дівчат вишлю при уточненні міста в месенджери WhatApp/Signal.
Чекаєм на тебе. Незабутній відпочинок у розслаблюючій обстановці гарантуємо

drafts of literary works

Preserved about 300 thousand.

(palimpsests). In the XIII-XV centuries in

Mega darknet <a href="mega4web.cc">, Мега ссылка, Megs зеркало официальне</a> Megaweb4.at
Большой выбор товаров <a href="mega4web.cc">, сайт мега, MEGA, Мега зеркало </a> официальная ссылка

Ноотропы для повышения работоспособности от Биохакер Хост
Biohacker Host: магазин ноотропов и стимуляторов

официальный сайт <a href="kre1.cc"> кракен сайт </a> <a href="kre1.cc"> кракен ссылка </a> <a href="kre1.cc"> kra2.cc </a>

XVII century was Nicholas Jarry [fr].

#2buy fake money, buy counterfeit money, fake money for sale, acheter faux billets, kaufen falschgeld
#2https://buyfakemoney.net/

#2buy fake money, buy counterfeit money, fake money for sale, acheter faux billets, kaufen falschgeld
#2https://buyfakemoney.net/

Read customer reviews - www.14lo.org

thoughtjourney.danbrix.de
digitalecho.danbrix.de
midnightmuse.danbrix.de
dreamchronicler.danbrix.de
solsticeview.danbrix.de

#2 Stellen Sie einen Attentäter ein Killer Hitman Assassin Mord Service
#2Stellen Sie einen Auftragsmörder ein, bestellen Sie ein Attentat online. Bestellen Sie eine Tötung. Bestellen Sie einen Mörder. Miete einen Mörder, miete einen Mörder, heuere einen Killer an, miete einen Killer, heuere einen Attentäter an, befehle einen Mord für Geld, töte einen Konkurrenten aus, heuere einen professionellen Killer an, heuere einen professionellen Attentäter an, heuere einen Mörder für Geld an, heuere einen Mörder an Geld, einen Mörder für die Tötung anheuern, einen Mörder für die Tötung anheuern, Mörder für das Geld angeheuert, die Seite der Auftragsmorde, die Seite den Mord anordnen, die Seite einen Mörder anheuern, die Seite einen Auftragsmörder anheuern, einen Mörder anheuern im Internet einen Auftragskiller anheuern im Internet einen Söldner zum Töten anheuern, wie man einen Mann spurlos tötet, wie man einen Mann vergiftet, wie man einen Konkurrenten befiehlt, wie man eine Person befiehlt, wie man einen loswird Person, wie man einen Konkurrenten loswird, wie man einen Gegner loswird, wie man mit einer Person umgeht, wie man einen Liebhaber loswird, wie man eine Geliebte loswird, wie man einen Konkurrenten im Geschäft loswird , wie man ein Konkurrentengeschäft entfernt, wie man einen Gegner loswird, wie man einen Gegner beseitigt, wie man einen Gegner entfernt, wie man rev wie man sich am besten an einer Person rächt, wie man sich am besten an einer Person rächt, wie man sich an einer Person rächt, wie man sich an einer Person rächt, wie man sich am besten an einer Person rächt, wie man eine Person bestraft, wie man am besten eine Person bestraft Person ersetzen, wie man das Leben einer Person verdirbt, wie man eine Person zerbricht, wie man das Leben einer Person zerbricht, wie man eine Person behindert macht, wie man eine Person in ein Gemüse verwandelt, wie man einer Person am besten eine Lektion erteilt , wie man einem Bastard beibringt, wie man sich respektiert, wie man einen Mann dazu bringt, sich zu entschuldigen, wie man einen Mann dazu bringt, sich zu entschuldigen, wie man einen Mann zum Gehen bringt, wie man um Vergebung bittet. Stellen Sie einen Mörder ein, um jemanden zu töten, stellen Sie einen Mörder ein, um Ihre Feinde zu töten, stellen Sie einen Mörder für etwas Geld ein, stellen Sie einen Mörder für Bitcoin ein
#2https://hitman-assassin-killer.com/stellen-sie-einen-attentater/

The number of companies set up in EU countries has increased markedly over the past few years.
It is directly related to the desire to work and do business in an economically stable and prestigious jurisdiction with access to the international market, with the opportunity to minimise taxes and obtain a long-term residence permit for the whole family through business immigration.
Registering a company in the EU in 2024 will be beneficial for both large companies and private entrepreneurs who want to optimise their business costs.

In Malta, it is possible to incorporate a closed and a public limited company. The minimum share capital of a public company is €46600 and €1200 for a private company. At the time of incorporation, at least 25 per cent of the capital of a public limited company and 20 per cent of the capital of a private limited company must be paid up.
Taxation
Profits earned by a resident company, whether in Malta or abroad, are subject to income tax at the rate of 35%. However, Malta does not impose tax on dividends, interest and royalties remitted abroad (no withholding tax) and Malta has no transfer pricing or thin capitalisation rules.
(transfer pricing-the sale of goods or services to interdependent persons at intracompany, non-market prices. They allow the redistribution of the total profits of a group of persons in favour of persons in lower tax states. This is the simplest and most common scheme of international tax planning aimed at minimising taxes paid;
thin capitalisation – when the company’s activities are financed by borrowed funds).
Value Added Tax is levied on the sale of goods, works and services in Malta. The VAT rate on the island is 18%. Some goods are subject to preferential rates of 5% (e.g. printed publications, hotel services) and 0% (medicines and foodstuffs). There is no property tax and there is no turnover tax on the transfer of shares in companies owned by non-residents. Malta also has no exchange control legislation and a Maltese company can conduct its economic activities in any currency in the world.

Лучший центр детейлинга в Москве
Детейлинг студия [url=deteylingcenter-msk.ru]deteylingcenter-msk.ru[/url] .

"Julia's Garland" (fr. Guirlande de Julie)

Hello. And Bye.

Hello!

This post was created with XRumer 23 StrongAI.

Good luck :)

Hello.

This post was created with XRumer 23 StrongAI.

Good luck :)

For the reason that the admin of this website is working, no uncertainty very shortly it will be well-known, due to its feature contents.

Libraries of the Carolingian era). IN

Hey people!!!!!
Good mood and good luck to everyone!!!!!

Пансионат для пожилых людей: комфортное и безопасное проживание для ваших родителей
частный пансионат для пожилых [url=pansionaty-dlya-pozhilyh2.ru]pansionaty-dlya-pozhilyh2.ru[/url] .

#2 Stellen Sie einen Attentäter ein Killer Hitman Assassin Mord Service
#2Stellen Sie einen Auftragsmörder ein, bestellen Sie ein Attentat online. Bestellen Sie eine Tötung. Bestellen Sie einen Mörder. Miete einen Mörder, miete einen Mörder, heuere einen Killer an, miete einen Killer, heuere einen Attentäter an, befehle einen Mord für Geld, töte einen Konkurrenten aus, heuere einen professionellen Killer an, heuere einen professionellen Attentäter an, heuere einen Mörder für Geld an, heuere einen Mörder an Geld, einen Mörder für die Tötung anheuern, einen Mörder für die Tötung anheuern, Mörder für das Geld angeheuert, die Seite der Auftragsmorde, die Seite den Mord anordnen, die Seite einen Mörder anheuern, die Seite einen Auftragsmörder anheuern, einen Mörder anheuern im Internet einen Auftragskiller anheuern im Internet einen Söldner zum Töten anheuern, wie man einen Mann spurlos tötet, wie man einen Mann vergiftet, wie man einen Konkurrenten befiehlt, wie man eine Person befiehlt, wie man einen loswird Person, wie man einen Konkurrenten loswird, wie man einen Gegner loswird, wie man mit einer Person umgeht, wie man einen Liebhaber loswird, wie man eine Geliebte loswird, wie man einen Konkurrenten im Geschäft loswird , wie man ein Konkurrentengeschäft entfernt, wie man einen Gegner loswird, wie man einen Gegner beseitigt, wie man einen Gegner entfernt, wie man rev wie man sich am besten an einer Person rächt, wie man sich am besten an einer Person rächt, wie man sich an einer Person rächt, wie man sich an einer Person rächt, wie man sich am besten an einer Person rächt, wie man eine Person bestraft, wie man am besten eine Person bestraft Person ersetzen, wie man das Leben einer Person verdirbt, wie man eine Person zerbricht, wie man das Leben einer Person zerbricht, wie man eine Person behindert macht, wie man eine Person in ein Gemüse verwandelt, wie man einer Person am besten eine Lektion erteilt , wie man einem Bastard beibringt, wie man sich respektiert, wie man einen Mann dazu bringt, sich zu entschuldigen, wie man einen Mann dazu bringt, sich zu entschuldigen, wie man einen Mann zum Gehen bringt, wie man um Vergebung bittet. Stellen Sie einen Mörder ein, um jemanden zu töten, stellen Sie einen Mörder ein, um Ihre Feinde zu töten, stellen Sie einen Mörder für etwas Geld ein, stellen Sie einen Mörder für Bitcoin ein
#2https://hitman-assassin-killer.com/stellen-sie-einen-attentater/

MEGA: Официальный Сайт, Рабочие Ссылки и Актуальные Зеркала Мориарти

Зарегистрировался на форуме, чтобы сказать Вам спасибо за помощь в этом вопросе, может, я тоже могу Вам чем-то помочь?
{this is the only way | this way| this is the only way/ this is the only way} you {can|have the opportunity|get the chance|will be able to} {get|study|familiarize yourself with|study} {right|permission} to {receive|master} the #file_links["C:\Users\Admin\Desktop\file\gsa+en+Phoenix30k60k120k240k316P2URLBB.txt",1,N] code {in the amount|in the amount} up to 200 {eur|euro}, which {is|will| will be| will become|it will turn out to be a {great|excellent|wonderful|ideal} way to {start|start} {game|game} on {the right|right} path.

#6 Kiralık katil tut, bir suikastçı kiralamak, cinayeti emretmek
#6Kiralık katiller servisi. Sözleşmeli cinayetlerin dünya çapında toplayıcısı. Dünyanın herhangi bir medeni ülkesinde faaliyet gösteren suikast. Bir katil kiralayın, bir katil kiralayın, bir tetikçi kiralayın, bir tetikçi kiralayın, bir suikastçı kiralayın, para için cinayet emri verin, bir rakibi öldürün, bir profesyonel katil kiralayın, profesyonel bir suikastçı kiralayın, bir katili para için kiralayın, bir katil kiralayın para, öldürmek için katil kiralamak, öldürmek için katil sipariş etmek, para için kiralık katiller, sözleşmeli cinayetler sitesi, site cinayeti sipariş etmek, site katil kiralamak, site kiralık katil kiralamak, katil kiralamak internette, İnternette kiralık katil kiralama, öldürmek için paralı asker kiralama, iz bırakmadan bir adam nasıl öldürülür, bir adam nasıl zehirlenir, bir rakibe nasıl sipariş verilir, bir kişiye nasıl sipariş verilir, bir adamdan nasıl kurtulur kişi, rakipten nasıl kurtulur, rakipten nasıl kurtulur, bir kişiyle nasıl baş edilir, sevgiliden nasıl kurtulur, metresten nasıl kurtulur, iş hayatında rakipten nasıl kurtulur , rakip işletme nasıl kaldırılır, rakipten nasıl kurtulur, rakip nasıl ortadan kaldırılır, rakip nasıl çıkarılır, devir nasıl alınır bir insandan intikam alma, bir insandan en iyi nasıl intikam alınır, bir insandan nasıl intikam alınır, bir insandan nasıl intikam alınır, bir insandan en iyi intikam nasıl alınır, bir insanı nasıl cezalandırırım, bir insanı en iyi nasıl cezalandırırım insan yerine insan koyma, bir insanın hayatı nasıl bozulur, bir insan nasıl kırılır, bir insanın hayatı nasıl kırılır, bir insan nasıl sakatlanır, bir insanı nasıl sebzeye çevirir, bir insana en iyi nasıl ders verilir , bir piç kurusuna nasıl saygı duyulacağını öğretmek Bir erkeğin nasıl özür dilemesi, bir erkeğin nasıl özür dilemesi, bir erkeğin nasıl gitmesi, af dilemesinin nasıl sağlanacağı. Birini öldürmek için bir katil kiralayın, düşmanlarınızı öldürmek için bir katil kiralayın, biraz para için bir katil kiralayın, bitcoin için bir katil kiralayın
#6https://hitman-assassin-killer.com/kiralik-katil-tut/

официальный сайт <a href="kre1.cc"> кракен сайт </a> <a href="kre1.cc"> кракен ссылка </a>

The German Security Service has launched diehasses.de, a project dedicated to exposing the Kremlin’s criminal programs involving the use of psychophysical weapons on their own soldiers. These secret experiments cause unimaginable harm and must be brought to light.

We are reaching out to our international partners and allies to support this initiative. By sharing a link on your platform or spreading this information, you can help reveal the truth and expose hidden crimes.

Your support is crucial in raising global awareness and advancing the fight for justice and transparency.

новый формат ссылок <a href="krek1.cc"> кракен сайт </a> <a href="krek1.cc"> кракен ссылка </a>
новый формат ссылок <a href="krek1.cc"> ссылка на кракен </a> <a href="krek1.cc"> kra1.at </a>

Купить Haval - Подробнее тут [url=][/url]

[url=][/url]

GK Peresvet: надёжные винтовые сваи для частного и коммерческого строительства
GK Peresvet: сваи винтовые цена

официальный <a href="kreken20.at"> кракен сайт </a> <a href="kreken20.at"> кракен ссылка </a>

text carrier and protective

Hello. And Bye.

Hello. And Bye.

KRAKEN Ссылка, зеркало, сайт. Как войти в даркнет маркетплейс -

Hello. And Bye.

Hello. And Bye.

Hello. And Bye.

Real estate недвижимость -
объявление срочный выкуп недвижимости санкт-петербурга

официальный <a href="kreken18.at"> ссылка на кракен </a> <a href="kreken18.at"> kraken19.at </a>

Hello. And Bye.

Hello. And Bye.

All time cool 000*** pofus.webnode.page

All time cool 000*** pofus.webnode.page

Аренда жилья у моря в Гаграх: Планируйте свой отдых 2024
гагра жилье [url=otdyh-v-gagrah.ru]otdyh-v-gagrah.ru[/url] .

Hello. And Bye.

Быстрое изготовление дубликатов автомобильных номеров
изготовление дубликат гос номера [url=vip-dublikat-nomerov.ru]vip-dublikat-nomerov.ru[/url] .

Top Sites for article Post

theheraldnewstoday.com
theindependentnewstoday.com
theirishtimesnewstoday.com
theirishtimestoday.com
themetronewstoday.com
themirrornewstoday.com

Dont hasiate to contact us

Hello. And Bye.

All time cool 000*** pofus.webnode.page

Hello. And Bye.

for Countess Louise of Savoy

официальный <a href="kreken18.at"> кракен сайт </a> <a href="kreken18.at"> кракен ссылка </a>

Базис недвижимости (Basis) - авито выкуп квартир и комнат в петербурге

written on the parchment was scratched out

All time cool 000*** pofus.webnode.page

Бриллианты для ювелирных изделий: создайте шедевр сами
купить камни бриллианты [url=naturalnyebrillianty.ru]naturalnyebrillianty.ru[/url] .

Hello. And Bye.

All time cool 000*** pofus.webnode.page

All time cool 000*** pofus.webnode.page

Захващащи книжки за оцветяване, за вдъхновение и творческо развитие.
Водни книжки за оцветяване: Водните книжки за оцветяване са подходящи за малки деца: [url=azbukivedi-bg.com]azbukivedi-bg.com[/url] .

Article Post sites permannet

russiannewstoday.com
scotlandnewstoday.com
switzerlandnewstoday.com
thedailymailnewstoday.com
thedailytelegraphnewstoday.com

Dont hesiate to contact us

Article Post Permanent

thestarnewstoday.com
thesunnewstoday.com
thetelegraphnewstoday.com
thetorontosunnewstoday.com
timesofnetherland.com
timesofspanish.com

Dont hesiate to contact us

Top Sites for article post

livemintnewstoday.com
maltanewstime.com
mirrornewstoday.com
nationalposttoday.com
neatherlandnewstoday.com
neweuropetoday.com

Dont hesitate to contact us

News Sites for article post

nytimesnewstoday.com
oxfordnewstoday.com
portugalnewstoday.com
postgazettenewstoday.com
republicofchinatoday.com
reuterstoday.com

Dont hesiate to contact us

Рекомендую газон мск, их специализация это газоны в рулонах - они профессионалы.

Предлагаю компанию Mihaylov digital, их специализация это сео в Yandex, а также создание сайтов

Первая недвижимость Санкт-Петербурга - Про Питер (Pro Piter) -
выкуп ипотечной квартиры

Наша компания предлагает нержавеющие сетки ТУ14-4-432-94 производства Северсталь метиз ОСПАЗ со склада
г.Орел. В наличии огромный ассортиментнержавеющие сетки ТУ 14-4-697-2001.
Вы можете купить нержавеющие сетки ТУ 14-4-1561-89 светлую и оцинкованную.
У нас всегда в наличии огромный выбор сетка тканая, цены от производителя.
Продажа сетка тканая н/у оптом и в розницу со склада г.Орел.

All time cool 000*** pofus.webnode.page

Каковы риски лазерного удаления папиллом?
Риски лазерного удаления папиллом минимальны, но включают возможность инфекции, образования рубцов, изменения пигментации кожи и аллергических реакций на анестезию. Соблюдение всех рекомендаций врача и правильный уход за обработанной областью помогают минимизировать эти риски.
What are the risks of laser removal of papillomas?
The risks of laser removal of papillomas are minimal but include the possibility of infection, scarring, changes in skin pigmentation, and allergic reactions to anesthesia. Following all doctor's recommendations and proper care of the treated area help minimize these risks.

Уборка после ремонта в СПб - клининг квартир и домов по выгодной цене
капитальная уборка квартиры после ремонта [url=remontuborka1.ru]remontuborka1.ru[/url] .

Выборный ассортимент печей, для настоящего тепла в доме.
Наш интернет магазин печей радует клиентов отличным сервисом и качественными товарами: [url=magazin-pechej-kaminov-i-dymohodov.ru]magazin-pechej-kaminov-i-dymohodov.ru[/url] .

Приобрести недвижимость в Столице

Генеральная уборка от профессиональных клининговых компаний
Топ клининговых компаний [url=uborka22.ru]uborka22.ru[/url] .

All time cool 000*** pofus.webnode.page

Suntem mandri sa va prezentantam produsele Apple in Chisinau. Aceasta inseamna ca in iStore ai acces la cele mai noi produse si oferte exclusive pe care nu le vei gasi in alta parte. Consultantii nostri sunt adevarati experti in lumea Apple si sunt intotdeauna gata sa te ajute sa alegi dispozitivul care se potriveste cel mai bine nevoilor si ambitiilor tale.

All time cool 000*** pofus.webnode.page

Roman Vasilenko and the "Best Way" Cooperative: Not Guilty?

The criminal prosecution of Roman Vasilenko, the founder of the "Best Way" cooperative, might be discontinued. This was reported by several sources, including deputies. According to available information, the authorities have reassessed the situation surrounding the "Best Way" cooperative and concluded that the prosecution was largely driven by the Central Bank's departmental position, which initiated the attack on the cooperative in the fall of 2021. This position aligns with the interests of banks but not with the interests of citizens, especially under the conditions requiring special social support measures.

Conflict History

The investigation against the cooperative and Vasilenko, who had by then already stepped down as chairman, began when the Central Bank included "Best Way" in its list of companies with identified signs of illegal activity in the financial market (a warning list) as a potential financial pyramid in the fall of 2021.

1. **Based on "signals" from certain media and unspecified "citizen complaints"**: These signals and complaints were not verified, and no audit of the cooperative was conducted despite regular audit reports issued by audit firms commissioned by the cooperative's board.

2. **Due to "mass advertising" by the cooperative**: However, the cooperative did not engage in direct advertising. It informed its shareholders and interested parties through social media and responded to media inquiries about its interest-free home purchase system.

3. **Because of "uncertainty in the cooperative's activities" and "lack of signs of economic activity"**: Although the cooperative's activities were clearly defined in all versions of its charter (adjusted per Central Bank specialists' comments, despite the cooperative not being under their supervision), it had acquired over 2500 apartments for its shareholders from 2014 to early 2022, when its property acquisition activities were halted by the investigation.

The Central Bank's information was forwarded to law enforcement agencies. The General Prosecutor's Office blocked the cooperative's website along with its payment system, and an earlier complaint had been filed by the Central Bank's Northwest division.

How the Cooperative Worked

The "Best Way" cooperative's system was simple and attractive: a shareholder made an initial contribution of 35-50% of the desired apartment's cost. They could also save for this contribution in the cooperative's account, participating in a savings program. After making the initial contribution, the shareholder waited in line for a year to a year and a half, then selected a property, which, upon approval by the cooperative's lawyers and appraisers, was purchased with cooperative funds provided in a 10-year installment plan. The shareholder then repaid the cooperative for the property.

The cooperative provided interest-free funds, but the shareholder paid a relatively small entrance fee, membership dues, property taxes, and utility payments. In some regions, such as Bashkortostan, cooperatives received tax benefits, but in most regions, shareholders paid taxes as legal entities since the cooperative owned the property.

After repaying the cooperative's funds, the shareholder registered the property in their name. Many repaid early, and hundreds had already registered their properties despite the 10-year term. Shareholders could also withdraw at any time and receive their contributions back.

Despite additional payments and waiting periods, purchasing an apartment through "Best Way" was significantly cheaper and more attractive than taking a mortgage, even a preferential one. This was especially crucial for socially vulnerable groups who could not obtain a mortgage, such as pensioners and students. A significant percentage of the cooperative's shareholders were former and active military personnel; the cooperative was founded by reserve military officer Roman Vasilenko and is currently led by State Duma deputy Sergey Kryuchek. Thousands of shareholders and their family members are defending the country.

Sberbank: From Friend to Foe

Sberbank was a long-time partner of the cooperative, managing its shareholder funds. By 2021, the cooperative operated in almost all Russian regions, with 20,000 members.

The cooperative became a real competitor to bank mortgage programs.

The struggle over the arrest and release of accounts mostly favored the investigating group from the Main Investigative Directorate of the Ministry of Internal Affairs of Russia for St. Petersburg and the Prosecutor's Office of St. Petersburg. However, the cooperative's lawyers won some court cases. Sberbank blocked fund transfers even when court orders lifted the arrests, citing internal compliance rules. Other banks also withheld the cooperative's development funds, which amounted to nearly 4 billion rubles, while banks managed the income from these funds.

Case Details

The cooperative was assigned the status of a civil defendant in the criminal case, facing claims of 16 billion rubles, though the total damage cited in the indictment was 282 million rubles. Most recognized victims filed claims against the foreign investment company "Hermes," not the cooperative. There were no lawsuits against the cooperative in the criminal case.

Claims against the cooperative involved demands for refunds of entrance and membership fees, contrary to their contracts. For instance, Dolyan, recognized as a victim, claimed these fees upon a recommendation from an investigator, concerning a contract closed in 2019 that had previously raised no issues and was not contested in civil court.

Essentially, claims against "Hermes" are being shifted to "Best Way," although a cooperative, by its legal nature, cannot be part of a holding. Sources say the theory of a holding is based solely on the promotional system under "Life-is-Good," which dealt with both cooperative and "Hermes" products as alternatives. The investigation's logic is that "Hermes" is abroad, but the cooperative is in Russia, and "Hermes" has reportedly restored its payment system. Nonetheless, the obligations of 282 million rubles cannot justify blocking the cooperative's activities; even paying this sum would not affect its liquidity.

Given the current social support situation in Russia, authorities may reconsider their stance on cooperatives. Compromise solutions include legislative initiatives to update and clarify the old consumer cooperation law.

Deputies have suggested that a socially-oriented institution, which wouldn't require state funding while effectively addressing housing issues, would benefit the economy and society. "Best Way" could serve as a model for such an institution, potentially protecting it from further attacks.