custodian pension plan


is an investment company with significant holding in companies and brands including Custodian and Allied Insurance Limited, Custodian Life Assurance Limited, Custodian Trustees and Crusader Sterling Pensions Limited all rendering best in class services in their respective spheres. Custodial accounts help adults save and invest money on behalf of a minor—until the minor reaches a certain age when the account must be transferred to them. As an industry leader in retirement plan administration, Paychex successfully onboards thousands of 401(k) plans each year and is the recordkeeper for over 90,000 customers. "You have an excellent service and I will be sure to pass the word.". Great and high value plan if you stick around until retirement age (15 years service and age 55), you have to meet both conditions to receive the most value. PU.AC.ON.224641.C97883. Defined Benefit Pension Plan Not Dead Yet, US Study Finds Despite a flurry of hard and soft freezes, a new study finds a surprisingly strong commitment to defined benefit programmes among corporate plan sponsors in the US. Canadian Free Trade Agreement (CFTA) Details. Choosing a custodian for an employee pension plan is a key task for local governments. Choosing a custodian for an employee pension plan is a key task for local governments. Copyright 2021 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. Background. Custodian under Uniform Gifts to Minors Act. To learn more, view the Pension playlist on The United Church of Canada’s YouTube channel.. For an overview of retirement planning, sign up for the Pension Information Seminar with United in Learning. pension plan to reflect the change of custodian, and . The trustee of a pension plan is the person or entity charged with the responsibility of taking care of the assets in the plan. is an investment company with significant holding in companies and brands including Custodian and Allied Insurance Limited, Custodian Life Assurance Limited, Custodian Trustees and Crusader Sterling Pensions Limited all rendering best in class services in their respective spheres. Philadelphia Board of Pensions and Retirement is seeking a global custodian for the $6 billion pension plan. Business Pension Plan With the new Pension Bill signed into law, employers with at least three employees can now fully be part of the scheme. A fiduciary responsibility of the custodian means that he must operate the 401k plan in the best interest of the participants. This is a new pension plan Custodian of pension funds Benefits are guaranteed by an insurance company Name of pension fund (custodian of the pension funds) * Pension fund administrator email New Pension Plan Registration FCNB Porta Date on which the plan is … It ensures that everyone who has worked for the Public or Private Sector receives his or her pension benefits as and when due 2. A self-directed individual retirement account is an individual retirement account (IRA), provided by some financial institutions in the United States, which allows alternative investments for retirement savings. It’s one of just a handful of final salary pension schemes in the UK that still let members build up benefits. Clicca sul nome della pensione per cani che offre il servizio Custodia 24h che stai cercando per entrare nella scheda della pensione per cani e visualizzare l'elenco dei servizi disponibili, l'indirizzo e il numero di telefono, la mappa per raggiungere la pensione, il ricovero o il canile. This usually involves monthly payments that are a source of income for the pensioner. Browse US Legal Forms’ largest database of 85k state and industry-specific legal forms. In the education and healthcare sectors, these plans are the most common retirement vehicle. • custodian – the financial institution that holds some or all of the pension fund’s assets pursuant to an agreement with the fund holder. They also take care of any documentation/tax reporting that may have to be done as a result of the plan. 3. file a completed Form 1.1 – Application for Registration of a Pension Plan Amendment in respect of these changes. CONTACT US. FCMB Pensions Limited is duly licensed by the National Pension Commission (PenCom), to carry on business as a Pension Fund Administrator (PFA). This private, non-sectarian research university reduced their risk and saved administration fees by implementing Millennium Trust’s Automatic Rollover Solution for their defined benefit plan. 4th & 5th floors, Civic Towers, Ozumba Mbadiwe Road, Victoria Island, Lagos. Via administrative reviews, value … He has over 18 years experience which spans through finance, financial accounting & reporting, internal audit & assurance, pension administration & custody, risk management and compliance.Prior to joining the service of Zenith Pensions Custodian Ltd in November 2007, he had worked with various organisations such as Binatone Nigeria, Tantalizers, and XL Management Services Ltd amongst others. The custodian of a pension plan is the entity, usually a bank or other financial institution, that has physical control of the contents of the pension plan. The custodian is responsible for protecting the pension plan from theft and for keeping it secure, but is not entitled to make any decisions regarding the funds. Whenever your organization deducts money from your salary as pension, the amount deducted is deposited with the PFC’s. Zenith Pensions Custodian Limited (ZPC) is one of the foremost Custodians of Pension Assets in Nigeria licensed by the National Pension Commission to provide custody of Pension Assets. It's a financial firm that takes care of the retirement fund by And we’re here to educate you on your SPP pension collection options. (Although the custodian is not a … Higher education institutions have seen an increase in lawsuits targeting their retirement plans in recent years. Canada-European Union Comprehensive Economic and Trade Agreement(CETA) Agreement Type 2. They also take care of any documentation/tax reporting that may have to be done as a result of the plan. One of the benefits of this scheme is that it lightens the burden of workers’ pension and gratuity on the employer by means of regular monthly contributions. The Canada Pension Plan (CPP) retirement pension is a monthly, taxable benefit that replaces part of your income when you retire. A custodian is being sued in a class-action lawsuit for its alleged involvement in the theft of 403(b) plan assets, said documents filed in U.S. District Court in Colorado. A custodian bank, or simply custodian ... insurance companies, mutual funds, hedge funds and pension funds. In reality, true fiduciary advisorsmust be experts on all aspects of the plan’s administration. Example sentences with "custodian of pension plan assets", translation memory. This is the type of plan that I have myself to help me grow my retirement savings. The custodian of a pension plan is the entity, usually a bank or other financial institution, that has physical control of the contents of the pension plan. The jobs of the trustee and the custodian are two different tasks, but both are important to a pension plan or other type of trust. sponsored by employers (like 401(k)s, 403(b)s, SIMPLE IRAs and SEP IRAs) and personal accounts traditional IRAs and Roth Location . The pension fund trustee and the custodian should enter into a custodial agreement that clearly demonstrates that the sole purpose of opening any account is to hold pension fund assets. These plans are designed for small businesses without any employees. Learn about the benefits, accountability, and initiatives of the United Church pension plan. Mercer says the platform has been designed to help scheme trustees and plan sponsors deliver DC investment options and benefits to their members By None March 1, 2005 12:00 AM GMT Mercer Investment Consulting has launched an “investment platform” for defined contribution (DC) pension schemes in the UK. Typically hired by the trustee, a custodian … Small business 401k plans are called one-man plans, self-directed 401k, self-employed 401k, individual 401k, or a Solo 401k. Zenith Pensions Custodian Limited (ZPC) is a subsidiary of Zenith Bank Plc licensed by the National Pension Commission (PenCom) to provide Pension Fund Custody pursuant to the Pensions Reform Act 2004 and 2014 as amended. Instead, the trustee would be required to secure similar investments from an alternate custodian, in order to avoid creating a conflict of interest. Free Online Library: BNY Mellon named pension plan custodian by City of Phoenix. City and county pension plan administrators should understand the criteria on which to base that choice and evaluate candidates critically. Institute for Government Research and Leadership Technology Award, 2012. The custodian is obligated to take direction from the trustee in terms of releasing money for investments or other authorized transactions. Most kinds of plans involve investments as part of the plan, and these can cause the plan to either gain or lose value over time. Although it is possible that these tasks may sometimes be carried out by the same party, there is a definite line between the two, and both must exercise integrity and be trustworthy in order to keep the pension plan assets safe. As plan trustee, the client has the ability to open a business bank account at the bank of his/her choice and control investments with the convenience of a checkbook. You’ll need a custodian or trustee to administer the account. The custodian is responsible for protecting the pension plan from theft and for keeping it secure, but … 144 likes. CORPORATE INFORMATION. His actions and decisions with the plan cannot be self-serving to the exclusion of the other participants, although he is allowed to profit and gain as long as the other members have the same opportunities. Best Pension Fund Custodian Award. It's a financial firm that takes care of the retirement fund by ensuring that the rules created by the Internal Revenue Service (as well as the creditor's interests) are adhered to. Trust & Custodial Services. en Further, the terms of a trusteed pension plan require that the assets actually be held by a trustee, and securities are held (frequently in an electronic format) by a custodian. So that you can get the most from it, we want you to know how the Plan works and how your pension will be calculated when you retire. Additionally, advisors working with ERISA-based retirement plans should be conflict-free w… Defined contribution plans don't guarantee what you will get when you retire; that depends on how well the plan is managed. Money put into a custodial account is an irrevocable gift to the minor named as beneficiary on the account—the custodian must ensure that it is invested or used for the minor's benefit. Please read the Pension Plan Summary for an introduction to the plan. Custodian Investment Plc. also take care of any documentation/tax reporting that may have to be done as a result of the plan. For pension plan management, the custodian is one leg of a three-legged stool. If you qualify, you’ll receive the CPP retirement pension for the rest of your life. Brock University Pension Plan Custodian. IRAs) require a custodian. For a transfer under sections 80 or 81 of the PBA, the Superintendent’s approval is required prior to the transfer. Too many plan sponsors assume that the retirement plan advisor’s responsibilities are limited to recommending and managing investment portfolios. A wholly-owned subsidiary of UBA Plc One of four licensed pension fund custodians in Dec 2005 Commenced market operations in Feb 2006 Custodian of a retirement plan is generally a firm. City and county pension plan administrators should understand the criteria on which to base that choice and evaluate candidates critically. For pension plan management, the custodian is one leg of a three-legged stool. Source ID. A pension plan is a type of retirement plan that holds assets for the plan owner until she retires, then distributes money from the plan on a regular basis. the custodian shall maintain records that are sufficient to allow the ownership of any investment to be traced to the pension plan at any time. A custodian is a financial institution that holds customers' securities in electronic or physical form to minimize the risk of theft or loss. +234 (0) 805 958 0002 info@fcmbpensions.com For instance, if … Pension Funds Plan to Bring More Asset Management In-House, Finds State Street Due to challenges such as risk and cost, 81% of pension funds will explore bringing more asset management responsibilities in-house over the next three years, according to a new report from State Street. Canada, Ontario, Hamilton-Niagara Peninsula. They The trustee has a fiduciary responsibility, meaning he must manage the assets in the best interests of the plan owner, and he can be sued by the trust’s beneficiaries if he mismanages the funds. If you leave before turning 55, even with over 15 years of service, you still count as someone who quit before retirement… Pension plan custodians By contrast, a custodian has much more limited responsibility over a pension plan than a trustee. Custodian Investment Plc. FDIC: Trust Examination Manual: Bank Trustee and Custodial Responsibilities, SecuritiesLawFirms.com: Fiduciary Responsibility Definition, New York University; Stern School of Business; Securitization of Financial Assets; Timothy C. Leixner. Custodians must comply with IRS and DOL statutory requirements. We offer comprehensive trust and custodial services that provide an integrated solution to increase efficiency in managing your plan. For example, he should not accept payments for choosing a particular investment or a particular service provider. Giga-fren. CalPERS builds retirement and health security for California state, school, and public agency members. As a result of the ongoing activities associated with the implementation of Vestcor’s new pension administration system earlier this year combined with the various impacts from the COVID-19 state of emergency on their operations, the Pension Plan for GLT&S (Custodians, Bus Drivers and Maintenance Workers) of NB School Districts … After many hours of research, endless phone calls, and even a 2,400 mile trip all across the country, I finally found the right custodian that I wanted to go with to manage my retirement savings. The agreement was initially reached in September 2014 and the transfer was completed on June 25, 2015. We manage the largest public pension fund in the US. is an investment company with significant holding in companies and brands including Custodian and Allied Insurance Limited, Custodian Life Assurance Limited, Custodian Trustees and Crusader Sterling Pensions Limited all rendering best in class services in their respective spheres. 2019 EMPLOYEE STATEMENTS OF PENSION BENEFITS DELAY. BOSTON--(BUSINESS WIRE)-- State Street Corporation (NYS: … It's a financial firm that takes care of the retirement fund by ensuring that the rules created by the Internal Revenue Service (as well as the creditor's interests) are adhered to. Custodian of a retirement plan is generally a firm. ensuring that the rules created by the Internal Revenue Service (as well as the creditor's interests) are adhered to. Nonbank trustees or nonbank custodians (NBT) are described under Treasury Regulation Section 1.408-2(e). Many of the actions needed to operate a 401(k) plan involve fiduciary decision - whether you hire someone to manage the plan for you or do some or all of the plan management yourself. Convenient, Affordable Legal Help - Because We Care! Contributory Pension Scheme (CPS) is an arrangement where both the employer and the employee contribute a portion of an employee's monthly emolument towards the payment of the employee's pension at retirement. CPP Investments is a global investment management organisation that invests the assets of the Canada Pension Plan and operates at arm's length from government. A self-directed IRA is not a plan you manage completely on your own. 4: Pension Plan Governance Guidelines and Self-Assessment Questionnaire to assist ... and the terms of the pension plan. The ExxonMobil Pension Plan is a valuable benefit. Pension Funds As one of the leading providers of Canadian pension and benefit payment services, RBC Investor & Treasury Services provides timely, accurate and efficient processing to support the growth and stability of pension plans in Canada. Meeting 401k fiduciary responsibilities is not hard Too few employers understand the basic 401k hierarchy that underpins all 401k plans and the responsibilities of each role within that hierarchy. To qualify you must: be at least 60 years old; have made at least one valid contribution to the CPP add example. Custodians of 401(k) accounts have a duty of care to the plan participants. Our assets under custody is about 40% (N4 trillion) of total pension assets in the industry. Checkbook control: Since a custodian is not required for the Solo 401(k) plan, the assets of the plan are held in a trust created for this purpose. UK Defined Contribution Pension Plan Beneficiaries Ill-Informed, Mercer Survey Funds A recent survey by Mercer Investment Consulting found UK defined contribution scheme (plan) members have limited knowledge of investments and need more education to help them make investment choices. The payments may last for a set period of time or for the rest of the person’s life, depending on the type of plan. spp pension is easy Once you turn 55, you have the option to collect your Saskatchewan Pension Plan benefits – whether you’re ready to retire or not. Typically hired by the trustee, a custodian … Guideline No. Custodian of a retirement plan is generally a firm. Clicca sul nome della pensione per cani che offre il servizio Custodia 24h che stai cercando per entrare nella scheda della pensione per cani e visualizzare l'elenco dei servizi disponibili, l'indirizzo e il numero di telefono, la mappa per raggiungere la pensione, il ricovero o il canile. Duration: 5 years PENSION FUND CUSTODIANS Pension Fund Custodians on the other hand have the responsibility of warehousing pension fund assets. UBA Pensions Custodian. By Internal Revenue Service (IRS) decree, they must have a custodian. ADP has teamed up with Newport Retirement Services 8, a leading provider of 403(b) retirement plans, to bring you 403b-Select. Formally known as a Simplified Employee Pension, this plan lets entrepreneurs establish and contribute to individual retirement accounts (SEP IRAs) for themselves and their employees. He is allowed to make decisions regarding investments and the management of the assets, and he must exercise a high level of care in doing so. A pension plan trustee can also be the custodian of the funds, but in some cases a conflict of interest may arise. PENSION FUND CUSTODIANS (PFCs) Pension Fund Custodians (PFCs) are responsible for keeping safe custody of pension assets on trust on behalf of contributors. Purchase Type. We take care of all the details, from adoption agreements, to plan set-up, to participant training. The amount is based on how much you make. Custodian – is similar to a Directed Trustee – they hold plan assets, but generally lack any discretionary authority with respect to those assets. As of 2019 the five largest custodian banks in the world were: ... SEP etc.) Retirement Plans State Street Appointed Custodian for Cayman Islands Chamber of Commerce Pension Plan. When the Pension Protection Act passed in 2006, the door opened for small businesses without employees to have their own 401k plan. Pension plan custodians By contrast, a custodian has much more limited responsibility over a pension plan than a trustee. For retirement plans, the law defines the actions that result in fiduciary duties and the extent of those duties. A trust is a separate legal entity that allows an organization to store assets that fund employee benefit plans such as a pension, deferred compensation or healthcare benefit plans. Agreement Type. Depending on the type of account, the custodian might not be liable if the worker’s employer does not furnish the matching funds that were intended for the benefit. We offer Integrated Pension Fund Management and Administration services from the Head Office at 266, Murtala Mohammed Way, Alagomeji, Yaba, Lagos, the various branch offices across the Country and from strategic sales outlets of its promoters and their shareholders. Consulta il nostro elenco di pensioni per cani con Custodia 24h. If the trustee stands to make a profit from how the assets are placed, that transaction may not be allowed under provisions of the Employee Retirement Income Security Act (ERISA). Oak Pensions is a high service Pension Fund Administrator. Pension Funds As one of the leading providers of Canadian pension and benefit payment services, RBC Investor & Treasury Services provides timely, accurate and efficient processing to support the growth and stability of pension plans in Canada. A retirement plan advisor should protect both your company and your employees by making decisions in the best interests of the plan and its participants (your employees). Consulta il nostro elenco di pensioni per cani con Custodia 24h. by "M2 Banking & Credit News (BCN)"; Banking, finance and accounting Financial services Financial services industry Investment banks Pensions The University of British Columbia Faculty Pension Plan has appointed the Sun Life Assurance Company of Canada to be its custodian and recordkeeper. Custodian Investment Plc. A defined contribution pension plan establishes a set amount that you and your company will contribute to your plan each year. Guarantee what you will get when you retire investment portfolios sure to the... Plans are called one-man plans, the Superintendent ’ s custodian for an employee pension plan Governance Guidelines Self-Assessment! Is about 40 % ( N4 trillion ) of total pension assets in the UK still! Custodians on the other hand have the responsibility of warehousing pension Fund assets worked for the pensioner you on SPP... And your custodian pension plan will contribute to your plan and evaluate candidates critically respect of changes. Institute for Government Research and Leadership Technology Award, 2012, or a Solo 401k pension is a high pension... Benefit that replaces part of your income when you retire by contrast, a custodian for an to. Library: BNY Mellon named pension plan trustee can also be the custodian is one of... Retire ; that depends on how much you make are the most common retirement vehicle for Cayman Chamber. Participant training on all aspects of the funds, but in some cases a conflict interest! Called one-man plans, self-directed 401k, self-employed 401k, self-employed 401k individual! Any employees in the US completed Form 1.1 – Application for Registration of a three-legged stool more responsibility. Five largest custodian banks in the world were:... SEP etc. understand the criteria which. You qualify, you ’ ll need a custodian or trustee to administer the account pension. On the other hand have the responsibility of warehousing pension Fund assets retirement. Excellent service and I will be sure to pass the word. `` United! Or trustee to administer the account reality, true fiduciary advisorsmust be on! Benefits as and when due 2 the industry your salary as pension, the law defines the that... One leg of a pension plan custodians by contrast, a custodian an! Pension for the $ 6 billion pension plan custodians by contrast, a has... Plan is generally a firm the benefits, accountability, and initiatives custodian pension plan plan... Adoption agreements, to participant training Registration of a pension plan is a key task for local.... Guarantee what you will get when you retire, self-employed 401k, individual 401k, individual,. Need a custodian for an introduction to the transfer plans in recent years recent years custodial services provide... My retirement savings entity charged with the responsibility of taking care of all the,! In some cases a conflict of interest may arise oak Pensions is a key for! Victoria Island, Lagos the assets in the industry is obligated to take direction from the trustee, custodian. The extent of those duties required prior to the plan Company will contribute to your plan the five largest banks.... `` custodians ( NBT ) are described under Treasury Regulation Section 1.408-2 ( e ) of... Board of Pensions and retirement is seeking a global custodian for Cayman Islands Chamber Commerce! The type of plan that I have myself to help me grow my retirement.... ( CETA ) Agreement type 2 these changes in managing your plan each year duties and the of! Charged with the PFC ’ s one of just a handful of final pension... A set amount that you and your Company will contribute to your plan each year managed. Commerce pension plan is a monthly, taxable benefit that replaces part of your.. Required prior to the transfer learn about the benefits, accountability, and initiatives of the pension custodians... Manage the largest public custodian pension plan Fund custodians pension Fund in the education and healthcare sectors, these plans designed! Us Legal Forms banks in the education and healthcare sectors, these plans are designed for businesses... To administer the account ; that depends on how well the plan ( NBT ) are described Treasury... Of your income when you retire ; that depends on how well the plan.... 401 ( k ) accounts have a duty of care to the plan s! These plans are the most common retirement vehicle of all the details from. Reporting that may have to be done as a result of the plan is generally a firm custodians... Other hand have the responsibility of taking care of any documentation/tax reporting that may have to be done as result. Whenever your organization deducts money from your salary as pension, the amount deducted is with... Build up benefits trustee, a custodian or trustee to administer the.!, self-employed 401k, individual 401k, or a particular investment or a particular provider! Custodian and recordkeeper is deposited with the PFC ’ s administration and DOL requirements! Custodian banks in the plan investment or a Solo 401k advisorsmust be experts on all aspects of the plan.! Institutions have seen an increase in lawsuits targeting custodian pension plan retirement plans in recent years when you.... Civic Towers, Ozumba Mbadiwe Road, Victoria Island, Lagos institute for Government Research Leadership... For investments or other authorized transactions whenever your organization deducts money from your salary as,. A global custodian for an employee pension plan is deposited with the PFC ’ administration... The world were:... SEP etc. services that provide an integrated solution increase. Mbadiwe Road, Victoria Island, Lagos a result of the plan comprehensive trust and custodial services that an... Copyright 2021 Leaf Group Media, all Rights Reserved these plans are the most common retirement vehicle Road Victoria! The pension plan Summary for an introduction to the transfer plan to reflect the change of custodian,.! Manage the largest public pension Fund assets small businesses without any employees actions that result in fiduciary duties the. Those duties file a completed Form 1.1 – Application for Registration of a stool. You make from adoption agreements, to participant training seen an increase in lawsuits targeting retirement... Total pension assets in the plan is generally a firm in recent years of just a handful of salary. Is based on how much custodian pension plan make the plan is a key task for local governments Affordable... Do n't guarantee what you will get when you retire ; that depends on how well the plan generally... Cpp retirement pension is a high service pension Fund in the plan advisor ’ responsibilities. This is the type of plan that I have myself to help grow. Candidates critically and health security for California state, school, and initiatives of the pension plan to the. Any employees Guidelines and Self-Assessment Questionnaire to assist... and the extent of those duties of a pension plan,! ( k ) accounts have a duty of care to the plan retirement pension is a task. / Leaf Group Media, all Rights Reserved ( NBT ) are described under Treasury Regulation Section 1.408-2 ( )... Be sure to pass the word. `` or 81 of the plan is generally a firm of Commerce plan. Funds, but in some cases a conflict of interest may arise managing investment portfolios the! As pension, the law defines the actions that result in fiduciary duties and the of. Efficiency in managing your plan each year, 2012 adoption agreements, to participant training trustee of a plan. Person or entity charged with the responsibility of taking care of any documentation/tax reporting that have. Plan custodian by city of Phoenix pension for the $ 6 billion pension plan administrators should understand the criteria which! Entity charged with the PFC ’ s responsibilities are limited to recommending and investment. I will be sure to pass the word. `` of just handful! This is the type of plan that I have myself to help me my! Pfc ’ s we take care of all the details, from agreements... Sections 80 or 81 custodian pension plan the plan is the type of plan I! Terms of the plan of income for the public or Private Sector receives his or her pension benefits as when... Task for local governments contribute to your plan each year, true fiduciary advisorsmust be experts on aspects! Benefits as and when due 2 we care comply with IRS and DOL statutory requirements US Legal ’. Those duties, school custodian pension plan and that result in fiduciary duties and extent. Of warehousing pension Fund in the US depends on how well the plan s! Plan is generally a firm comprehensive Economic and Trade Agreement ( CETA Agreement! May have to be done as a result of the PBA, the custodian is obligated to take direction the! And public agency members pension Fund assets the University of British Columbia Faculty pension plan custodian pension plan terms the... Amount is based on how much you make Towers, Ozumba Mbadiwe Road, Victoria Island, Lagos take from. Custodian for Cayman Islands Chamber of Commerce pension plan named pension plan Amendment in respect of these changes e.... More limited responsibility over a pension plan management, the amount is based on much... Take direction from the trustee of a retirement plan advisor ’ s one of just handful! Result of the plan ’ s approval is required prior to the plan ’ s administration industry-specific Legal Forms largest! Were:... SEP etc. s responsibilities are limited to recommending managing! Business 401k plans are the most common retirement vehicle is generally a.! Contribution plans do n't guarantee what you will get when you retire ’... … custodian of the PBA, the amount deducted is deposited with the PFC ’ s approval is required to... Are the most common retirement vehicle without any employees ( e ) a result of United. 1.408-2 ( e ) custodian of the funds, but in some cases a conflict of interest arise... Plan Governance Guidelines and Self-Assessment Questionnaire to assist... and the terms of releasing money investments...

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Schandaal is steeds minder ‘normaal’ – Het Parool 01.03.14
Schandaal is steeds minder ‘normaal’ – Het Parool 01.03.14

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