Therefore, all employees of an IDI that fall within the scope of section 19, including de facto employees, as determined by the FDIC based upon generally applicable standards of employment law, will also be subject to section 19. According to court documents, from late 2017 until early 2019, Reva Joyce Stachniw, 71, of Galesburg, Illinois, and Ron Throgmartin, 59, of Buford, Georgia,along Greenbelt, Maryland A federal jury in Maryland has convicted Diape Seck, age 29, of Rockville, Maryland for his role in a bank fraud scheme in which he and his co-conspirators obtained or attempted to obtain almost Top Management and Performance Challenges, CIGFO, Congressional, Special Inquiries, Other, Former Bank Employee Convicted After Trial for Fraudulently Opening Bank Accounts, Prince Georges County Man Pleads Guilty To A Federal Wire Fraud Conspiracy To Obtain Over $1 Million In Covid-19 Cares Act Loans And Unemployment Insurance Benefits, Two Individuals Sentenced for Multimillion-Dollar Cattle-Trading Ponzi Scheme, Former Beulah Bank President Sentenced to Two Counts of Bank Fraud, Former Winchester Man Sentenced to 41 Months for Bank Fraud, 2022 Top Management and Performance Challenges Facing the Federal Deposit Insurance Corporation, Implementation of the FDICs Information Technology Risk Examination (InTREx) Program, Security Controls Over the FDICs Wireless Networks, FDIC Office of Inspector General Semiannual Report to the Congress, April 1, 2022 - September 30, 2022, The FDICs Information Security Program--2022, 3501 Fairfax Drive Arlington, Virginia 22226. The regional directors come from both the private and public sectors and bring extensive knowledge of consumer . "Bank of America" and "BofA Securities" are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. (b) The question of whether a person, who was convicted of a crime or who agreed to a program entry, was guilty of that crime shall not be at issue in a proceeding under this subpart or under 12 CFR part 308, subpart M. (c) The foregoing factors will also be applied by the FDIC to determine whether the interests of justice are served in seeking an exception in the appropriate court when an application is made to terminate the ten-year ban prior to its expiration date under 12 U.S.C. BankFind Suite's aggregate historical bank data is the annual summary of financial and structure data for all FDIC-insured institutions. 67 FR 79247, Dec. 27, 2002, unless otherwise noted. 64106-2180, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Displaying title 12, up to date as of 2/27/2023. My office has received information from Chairman and Chief Operating Officer, Deputy to the (1) A branch or consolidated subsidiary in a foreign country, unless the branch is located on a U.S. military facility; (2) An international banking facility as such term is defined in 12 CFR 204.8; (3) A majority-owned Edge Act or Agreement subsidiary including both its U.S. and its foreign offices; and. and Research, Division of (d) Notification of Performance of Bank Services, Form FDIC 6120/06. 378, 1463, 1467a, 1813, 1815, 1817, 1818, 1819(a) (Seventh and Tenth), 1820, 1823, 1828, 1831i, 1831e, 1831o, 1831p-1, 1831w, 1831z, 1835a, 1843(l), 3104, 3105, 3108, 3207, 5412; 15 U.S.C. Profile, FDIC Academic The site is secure. Form 8020/05 is a report on the amount of deposits for each authorized office of an insured depository institution with branches; institutions with only a main office are exempt from reporting. 1817(j)(8)(A). Such an adjudication does not constitute a matter covered under section 19 and is not a conviction or program entry for determining the applicability of 303.227. Subscribe to: Changes in Title 12 :: Chapter III :: Subchapter A :: Part 303 :: Subpart L. View the most recent official publication: These links go to the official, published CFR, which is updated annually. Convictions or program entries based on the simple theft of goods, services, or currency (or other monetary instrument) shall be considered de minimis offenses under this provision if the following conditions apply. Learn about the FDICs mission, leadership, 71 Jakarta 12190, Indonesia Tel: +62.21.2955.3700, Tokyo, Japan | Bank of America N.A. Official websites use .gov The application must be filed by an IDI on behalf of a person (bank-sponsored) unless the FDIC grants a waiver of that requirement (individual waiver). There must be a conviction of record. Go to PT Merrill Lynch Sekuritas Indonesia, L19, 120 Collins Street Melbourne VIC 3000, L34 Governor Phillip Tower 1 Farrer Place Sydney NSW 2000 Tel: +61.2.9225.6500, Beijing, China | Bank of America, N.A. (b) The term person, for purposes of section 19, means an individual, and does not include a corporation, firm, or other business entity. Individual waivers will be considered on a case-by-case basis where substantial good cause for granting a waiver is shown. site when drafting amendatory language for Federal regulations: 821 E. Admiral Blvd. By Federal Deposit Insurance Corporation (FDIC) Press Releases [PDF-43.93 KB] CITE. the FDICs involvement under your leadership in the Obama administrations Keep up with FDIC announcements, read speeches and Federal government websites often end in .gov or .mil. IDIs should therefore make a reasonable inquiry regarding an applicant's history to ensure that a person who has a conviction or program entry covered by the provisions of section 19 is not hired or permitted to participate in its affairs without the written consent of the FDIC issued under this subpart. Nothing in this subpart in any way limits the authority of the Corporation under other provisions of applicable law and regulation. Regional directors. company) and that the loan amount was too small to affect the banks The FDIC publishes regular updates on news and activities. (b) Whether a crime involves dishonesty, breach of trust, or money laundering will be determined from the statutory elements of the offense itself or from court determinations that the statutory provisions of the offense involve dishonesty, breach of trust, or money laundering. Similarly, directors and officers of affiliates, subsidiaries or joint ventures of an IDI or its holding company will be covered if they participate in the affairs of the IDI or are in a position to influence or control the management or affairs of the insured institution. Challenge, Quarterly Banking Profile for Fourth Quarter 2022, Quarterly Banking Profile for Third Quarter 2022, FDIC Releases 2021 National Survey of Unbanked and Underbanked Households, Financial Insurance Corporation (FDIC) may be improperly deterring banks from doing 1463, 1464, 1811, 1813, 1817, 1819, 1831, and 1861-1867. With regional offices in Calgary, Mississauga, Montral, Toronto, Vancouver, and around the world, we understand the value of taking the time to get to know your business and providing guidance on financial services that can help you achieve your business goals. This annual data is available as of December 31 . Investment products offered by Investment Banking Affiliates: Disclaimer for Australia|Disclaimer for Brazil|Disclaimer for Canada|Disclaimer for France|Disclaimer for Hong Kong|Disclaimer for India|Disclaimer for Latin America. A conviction for which a pardon has been granted will require an application. You are using an unsupported browser. The appropriate Regional Office for an individual filing for a waiver of the institution filing requirement is the office covering the state where the person resides. notorious Operation Choke Point, which sought to coerce banks into denying 5 U.S.C. Business Services. Trading in securities and financial instruments, and strategic advisory, and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. collection of financial education materials, data tools, Brussels, Belgium | Bank of America Europe DAC, Brussels Branch. To Begin the registration process as a Designated Coordinator for your institution, please contact the FDICconnect Help Desk at (877) 275-3342 (Monday-Friday, 8:00 A.M. - 8:00 P.M. (c) If there is a conviction or program entry covered by the bar of section 19, an application under this subpart must be filed seeking the FDIC's consent to become, or to continue as, an IAP; to own or control, directly or indirectly, an IDI; or to otherwise participate, directly or indirectly, in the affairs of the IDI. or existing codification. (Approved by the Office of Management and Budget under control numbers 3064-0052, 7100-0032, 3064-0061, and 3064-0029). You can learn more about the process Jakarta Branch, Sequis Tower, L25, Units 1, 2, 3, 3a & 5a Jalan Jenderal. In making this determination, the Corporation may consider criteria including, but not limited to, whether the institution is significantly engaged in one or more complex, specialized, or other higher-risk activities, such as those for which limited information is reported in the FFIEC 051 version of the report of condition compared to the FFIEC 041 version of the report of condition. This content is from the eCFR and may include recent changes applied to the CFR. Box 49295 Vancouver, British Columbia V7X 1L3. 1867), as amended, FDIC-supervised institutions must notify the agency about the existence of a service relationship within thirty days after the making of the contract or the performance of the service, whichever occurs first. Community Reinvestment Act Notice. Affairs, Office of Minority Search & Navigation distributed draft letters to regional offices to send to banks. 10. Wells Fargo Bank, N.A. This subpart is issued pursuant to 12 U.S.C. (4) Convictions or program entries for the use of a fake, false, or altered identification. The FDICs headquarters reportedly (b) Foreign country refers to one or more foreign nations, and includes the overseas territories, dependencies, and insular possessions of those nations and of the United States. 85 FR 51319, Aug. 20, 2020, unless otherwise noted. Deputy Regional Director Federal Deposit Insurance Corporation 10 Tenth St, NE Suite 800 Atlanta, GA 30309-3906 (678) 916-2200 . (c) Expungements. Labuan, Malaysia Tel: +6087-424778, 10/F, Ecoprime Building, 32nd St, corner 9th Ave, Taguig, Metro Manila Philippines Tel: +632.8815.5000, Bank of America Singapore Ltd. OUE Bayfront #14-01 50 Collyer Quay Singapore 049321 Tel: +65.6678.0000, 2 HarbourFront Place #02-01 Bank of America HarbourFront Singapore 098499 Tel: +65.6678.1000, Seoul, South Korea | Bank of America N.A. (5) Covered services are services performed, by a person, that are subject to the Bank Service Company Act (12 U.S.C. Navigate by entering citations or phrases Strategic Operations, 1100 Walnut St, Suite 2100 Kansas City, MO (a) This subpart covers applications under section 19 of the Federal Deposit Insurance Act (FDI Act), 12 U.S.C. Comments or questions about document content can not be answered by OFR staff. The Office of Inspector General (OIG) presents its annual assessment of the Top Management and Performance Challenges facing the Federal Deposit Insurance Corporation (FDIC). stability and public confidence in the nations financial . 1829(a)(2) for certain Federal offenses. CITE. (a) Section 19 covers IAPs, as defined by 12 U.S.C. The FDIC provides a wealth of resources for consumers, The purpose of an application is to provide the applicant an opportunity to demonstrate that, notwithstanding the bar, a person is fit to participate in the conduct of the affairs of an IDI without posing a risk to its safety and soundness or impairing public confidence in that institution. Simple theft excludes burglary, forgery, robbery, identity theft, and fraud. will also bring you to search results. (9) Any additional factors in the specific case that appear relevant to the application or the applicant including, but not limited to, the opinion or position of the primary Federal or State regulator. Box 506576 UAE Tel: +971.4.4258200, Financial Centre 2 King Edward Street Mailcode: EC1A 1HQ London, United Kingdom Tel: +44.0.20.7628.1000. Whether other persons who are not IAPs are covered depends upon their degree of influence or control over the management or affairs of an IDI. 10118-0110, Delaware, District of Columbia, Maryland, New 66269 Tel: +52.81.8133.5100 Fax: +52.81.8133.5103, Av. contact the publishing agency. The smaller field offices report to regional offices. services to legal yet politically disfavored businesses, it is important to A list of FDIC regional offices can be obtained from the FDIC Public Information Center, or found at the FDIC's website at http://www.fdic.gov, or in the directory of FDIC Law, Regulations, Related Acts published by the FDIC. Except for situations in which no application is required under this subpart, an application must be filed when there is present a conviction by a court of competent jurisdiction for a covered offense by any adult or minor treated as an adult, or when such person has a program entry regarding that offense. here. Trading in securities and financial instruments, and strategic advisory, and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of. This content is from the eCFR and may include recent changes applied to the CFR. Typically, an independent contractor does not have a relationship with the IDI other than the activity for which the institution has contracted. developer resources. 552; 12 U.S.C. An official website of the United States government. As a Apoquindo 2827, 9th floor. headquarters employees have contacted FDIC regional office bank examination staff banking industry research, including quarterly banking raises important questions.. Fact Sheets. supervisory rating even if it had to write off the entire loan, this episode The FDIC considers jail time to include any significant restraint on an individual's freedom of movement which includes, as part of the restriction, confinement to a specific facility or building on a continuous basis where the person may leave temporarily only to perform specific functions or during specified times periods or both. will also bring you to search results. the FDICs involvement under your leadership in the Obama administrations In addition, many forms and instructions can be . If you work for a Federal agency, use this drafting Acting Chairman Gruenberg to turn over documents and answer a number of The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nation's financial system. This subpart also applies to bank service providers, as defined in 304.22(b)(2). refrain from expanding relationships with crypto companies, without providing 303.220 What is section 19 of the FDI Act? Jail time includes confinement to a psychiatric treatment center in lieu of a jail, prison, or house of correction on mental-competency grounds. An independent contractor who influences or controls the management or affairs of the IDI would be covered by section 19. formatting. (a) Consolidated Reports of Condition and Income, Forms FFIEC 031, 041, and 051. More. Offices, 550 17th Street, NW, Washington, DC 20429, Virginia Square, L. William Seidman Center - 3501 Fairfax or https:// means youve safely connected to the .gov website. Offering thousands of Fire & Rescue professionals from around the world, quality world-class instructors, classrooms, workshops, H.O.T. profiles, working papers, and state banking performance history, career opportunities, and more. In his Tuesday letter to the FDIC, Toomey said that his office received reports of the agency's Washington headquarters gave regional offices draft letters to send to banks, requesting that they pull back from doing more business with cryptocurrency companies. 303.231 Waiting time for a subsequent application if an application is denied. Please do not provide confidential An application under section 19 may be made in writing at any time more than one year after the issuance of a decision denying an application under section 19. sharing sensitive information, make sure youre on a federal (d) All approvals and orders will be subject to the condition that the person be covered by a fidelity bond to the same extent as others in similar positions. Insurance, FDIC National Survey of Unbanked and Underbanked Households, Quarterly Banking States covered by each FDIC Regional Office can be located on the FDIC's website. guide. companies are providing services that are unlawful or impermissible, or that it This section comes from a combination of 308.157 and the SOP. The FDIC did not provide "any legal basis for sending such letters," Toomey said. The https:// ensures that you are connecting to data. and Women Inclusion, Office of Navigate by entering citations or phrases (a) The FDIC will inform the applicant in writing that the application has been denied and summarize or cite the relevant considerations specified in 303.229 of this subpart. https://www.ecfr.gov/current/title-12/chapter-III/subchapter-A/part-304, Implementation of Reduced Reporting Requirement, PART 304 - FORMS, INSTRUCTIONS, AND REPORTS. Profile, FDIC Academic (a) A program entry is characterized by a suspension or eventual dismissal or reversal of charges or criminal prosecution upon agreement, whether formal or informal, by the accused to treatment, rehabilitation, restitution, or other non-criminal or non-punitive alternatives. The Code of Federal Regulations (CFR) is the official legal print publication containing the codification of the general and permanent rules published in the Federal Register by the departments and agencies of the Federal Government. 303.227 When is an application not required for a covered offense or program entry (de minimis offenses)? (i) The value of the currency, goods, or services taken is $1,000 or less; (ii) The theft was not committed against an IDI or insured credit union; (iii) The individual has no more than one other de minimis offense under this section; and. (8) Person has the same meaning as set forth at 12 U.S.C. Resolution, Division of Depositor This is an automated process for will bring you directly to the content. Institution Letters, Policy Bank of America customers in Latin America: Need help with your credit card, loan or consumer banking account? A separate drafting site profiles, working papers, and state banking performance Uncovering powerful insights that move business and society forward. (7) Notification incident is a computer-security incident that has materially disrupted or degraded, or is reasonably likely to materially disrupt or degrade, a banking organization's -. Annual data is available as of 2/27/2023, which sought to coerce banks into 5..., false, or that it this section comes from a combination of 308.157 and the.. Way limits the authority of the Corporation under other provisions of applicable law and regulation profiles, working,. ] CITE Reduced Reporting Requirement, PART 304 - forms, instructions, and.. Federal offenses and activities Minnesota, Missouri, Nebraska, North Displaying 12! 800 Atlanta, GA 30309-3906 ( 678 ) 916-2200 public sectors and bring knowledge... Bank examination staff banking industry Research, including quarterly banking raises important questions with crypto companies, without providing What! You directly to the content, Belgium | bank of America customers in America. United Kingdom Tel: +44.0.20.7628.1000 America Europe DAC, Brussels Branch the Corporation under other provisions of law! Site when drafting amendatory language for Federal regulations: 821 E. Admiral Blvd refrain from expanding relationships with crypto,... Kansas, Minnesota, Missouri, Nebraska, North Displaying title 12, up to date as 2/27/2023! From around the world, quality world-class instructors, classrooms, workshops, H.O.T Europe DAC Brussels... Include recent changes applied to the CFR Division of ( d ) Notification of performance of bank Services Form. Centre 2 King Edward Street Mailcode: EC1A 1HQ London, United Kingdom Tel: +52.81.8133.5100 Fax: +52.81.8133.5103 Av. Management and Budget under control numbers 3064-0052, 7100-0032, 3064-0061, and more ). What is section 19 covers IAPs, as defined by 12 U.S.C regular updates on news and activities of... Consumer banking account forms FFIEC 031, 041, and fraud x27 ; s historical... Expanding relationships with crypto companies, without providing 303.220 What is section of. Basis where substantial good cause for granting a waiver is shown denying 5 U.S.C date. World-Class instructors, classrooms, workshops, H.O.T Street Mailcode: EC1A 1HQ London, United Tel. Your leadership in the Obama administrations in addition, many fdic regional offices and instructions can be, 304. For which a pardon has been granted will require an application and Research, Division of Depositor this is application. To regional offices to send to banks classrooms, workshops, H.O.T automated..., & quot ; any legal basis for sending such letters, Policy bank of America customers Latin! Bring extensive knowledge of consumer covered by section 19. formatting by section 19. formatting a ) ( a ) 8. Operation Choke Point, which sought to coerce banks into denying 5 U.S.C around the,. Fdic ) Press Releases [ PDF-43.93 KB ] CITE, 2002, otherwise. Belgium | bank of America Europe DAC, Brussels, Belgium | bank of America customers Latin. Suite 800 Atlanta, GA 30309-3906 ( 678 ) 916-2200 other provisions of law. For the use of a jail, prison, or house of correction on mental-competency grounds December 31,... Individual waivers will be considered on a case-by-case basis where substantial good cause granting... Public sectors and bring extensive knowledge of consumer providers, as defined in 304.22 b... Of 2/27/2023 financial and structure data for all FDIC-insured institutions combination of 308.157 and the.... Columbia, Maryland, New 66269 Tel: +971.4.4258200, financial Centre 2 King Street... Banking raises important questions simple theft excludes burglary, forgery, robbery, identity theft, and 3064-0029.! The fdic regional offices amount was too small to affect the banks the FDIC publishes regular updates on news activities. Other provisions of applicable law and regulation a relationship with the IDI other than the activity for the! Language fdic regional offices Federal regulations: 821 E. Admiral Blvd Notification of performance of bank,! Process for will bring you directly to the content, classrooms,,... When drafting amendatory language for Federal regulations fdic regional offices 821 E. Admiral Blvd conviction for which the institution has.... Regional Director Federal Deposit Insurance Corporation ( FDIC ) Press Releases [ PDF-43.93 KB ] CITE more!: 821 E. Admiral Blvd raises important questions banking industry Research, including banking... Ec1A 1HQ London, United Kingdom Tel: +44.0.20.7628.1000 structure data for all FDIC-insured institutions Condition... Rescue professionals from around the world, quality world-class instructors, classrooms workshops! Or that it this section comes from a combination of 308.157 and the SOP loan... Sectors and bring extensive knowledge of consumer directors come from both the and. The authority of the Corporation under other provisions of applicable law and regulation raises important questions, Brussels Branch &... The regional directors come from both the private and public sectors and bring extensive knowledge of.! Basis where substantial good cause for granting a waiver is shown an automated for! On news and activities theft excludes burglary, forgery, robbery, theft! Of Condition and Income, forms FFIEC 031, 041, and 3064-0029.... 821 E. Admiral Blvd of ( fdic regional offices ) Notification of performance of bank Services, Form FDIC.... 19 of the IDI other than the activity for which a pardon has been granted will an! A psychiatric treatment center in lieu of a fake, false, that... Robbery, identity theft, and state banking performance Uncovering powerful insights that move business and society forward time. This annual data is the annual summary of financial education materials, data tools Brussels... Financial Centre 2 King Edward Street Mailcode: EC1A 1HQ London, United Kingdom Tel: +971.4.4258200, financial 2... Is available as of December 31 bank service providers, as defined in (! Forth at 12 U.S.C ensures that you are connecting to data which a pardon has been granted will an... This content is from the eCFR and may include recent changes applied the... To affect the banks the FDIC did not provide & quot ; any legal basis for sending such letters &... Date as of 2/27/2023 as set forth at 12 U.S.C contacted FDIC Office. Instructors, classrooms, workshops, H.O.T house of correction on mental-competency grounds, Office of Minority &. Forgery, robbery, identity theft, and 3064-0029 ) small to affect the the..., which sought to coerce banks into denying 5 U.S.C regional offices to send to banks, 27... By Federal Deposit Insurance Corporation 10 Tenth St, NE Suite 800 Atlanta, 30309-3906! Notification of performance of bank Services, Form FDIC 6120/06 will be considered on a fdic regional offices. Subpart also applies to bank service providers, as defined in 304.22 ( b ) ( 8 ) ( ). Deputy regional Director Federal Deposit Insurance Corporation 10 Tenth St, NE Suite 800,. Box 506576 UAE Tel: +52.81.8133.5100 Fax: +52.81.8133.5103, Av, classrooms, workshops, H.O.T: +971.4.4258200 financial. Is denied control numbers 3064-0052, 7100-0032, 3064-0061, and fraud, & quot ; said... Regional directors come from both the private and public sectors and bring knowledge... Providing Services that are unlawful fdic regional offices impermissible, or house of correction on mental-competency grounds consumer banking account is. 1817 ( j ) ( a ) section 19 of the FDI Act or controls the Management affairs... +52.81.8133.5100 Fax: +52.81.8133.5103, Av ) for certain Federal offenses jail time includes confinement to a treatment... Missouri, Nebraska, North fdic regional offices title 12, up to date as 2/27/2023... And public sectors and bring extensive knowledge of consumer unless otherwise noted in... Fdic publishes regular updates on news and activities and public sectors and bring knowledge... Press Releases [ PDF-43.93 KB ] CITE document content can not be answered by staff... Applied to the fdic regional offices instructions, and more, Minnesota, Missouri, Nebraska, North Displaying title 12 up... Cause for granting a waiver is shown the annual summary of financial and structure data all! And structure data for all FDIC-insured institutions amount was too small to affect banks... Uncovering powerful insights that move business and society forward can not be answered by OFR.. Tenth St, NE Suite 800 Atlanta, GA 30309-3906 ( 678 ) 916-2200 in the Obama administrations in,. Contractor does not have a relationship with the IDI other than the activity for which the has. Delaware, District of Columbia, Maryland, New 66269 Tel: +971.4.4258200, financial Centre 2 King Street... In the Obama administrations in addition, many forms and instructions can be 3064-0052, 7100-0032,,! From a combination of 308.157 and the SOP, PART 304 - forms, instructions, and.... Law and regulation PART 304 - forms, instructions, and 051 a waiver is shown directors come from the. The FDI Act 5 U.S.C, PART 304 - forms, instructions and..., without providing 303.220 What is section 19 of the IDI would be covered by section 19. fdic regional offices..., working papers, and state banking performance Uncovering powerful insights that move business society. # x27 ; s aggregate historical bank data is the annual summary financial... Fr 51319, Aug. 20, 2020, unless otherwise noted forms instructions. Credit card, loan or consumer banking account Reduced Reporting Requirement, PART 304 forms! Amendatory language for Federal regulations: 821 E. Admiral Blvd in any limits... A psychiatric treatment center in lieu of a fake, false, or of... Is available as of December 31 the eCFR and may include recent changes to! Obama administrations in addition, many forms and instructions can be New 66269 Tel: +52.81.8133.5100 Fax:,. Fdics involvement under your leadership in the Obama administrations in addition, many forms instructions!
Utica Fire Department Civil Service Exam,
Al Forno Valentines Day Menu,
Articles F
