FDIC Federal Register Citations

[Federal Register: February 12, 1997 (Volume 62, Number 29)]

[Rules and Regulations]

[Page 6449-6453]

From the Federal Register Online via GPO Access [wais.access.gpo.gov]

[DOCID:fr12fe97-4]

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DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

12 CFR Part 4

[Docket No. 97-02]

RIN 1557-AB56

FEDERAL RESERVE SYSTEM

12 CFR Part 208

[Regulation H; Docket No. R-0957]

FEDERAL DEPOSIT INSURANCE CORPORATION

112 CFR Part 337

RIN 3064-AB90

DEPARTMENT OF THE TREASURY

Office of Thrift Supervision

12 CFR Part 563

[Docket No. 96-114]

RIN 1550-AB02

Expanded Examination Cycle for Certain Small Insured Institutions

AGENCIES: Board of Governors of the Federal Reserve System, Office of

the Comptroller of the Currency, Federal Deposit Insurance Corporation,

and Office of Thrift Supervision.

ACTION: Interim rule with request for comment.

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SUMMARY: The Board of Governors of the Federal Reserve System (Board),

the Office of the Comptroller of the Currency (OCC), the Federal

Deposit

[[Page 6450]]

Insurance Corporation (FDIC), and the Office of Thrift Supervision

(OTS) (collectively, the Agencies) are issuing this joint interim rule

with request for comment to implement section 306 of the Riegle

Community Development and Regulatory Improvement Act of 1994 (CDRI),

and section 2221 of the Economic Growth and Regulatory Paperwork

Reduction Act of 1996 (EGRPRA). CDRI section 306 and EGRPRA section

2221 authorize the Agencies to increase the asset size of certain

financial institutions that may be examined once in every 18-month

period, rather than once in every 12-month period, from the current

limit of $100 million to a revised limit of $250 million. This interim

rule makes certain institutions that have $250 million or less in

assets eligible for the 18-month examination schedule.

Furthermore, section 2214 of EGRPRA amends the International

Banking Act of 1978 and requires that each Federal branch or agency,

and each State branch or agency, of a foreign bank be subject to on-

site examination by an appropriate Federal banking agency or State

banking supervisor as frequently as would a national or a state bank,

respectively, by the appropriate Federal banking agency. Certain issues

are raised regarding the manner in which the criteria established by

CDRI and EGRPRA for a national or state bank should be made applicable

to U.S. branches and agencies of foreign banking organizations. The

method(s) by which the criteria will be applied to such entities is

currently being developed.

DATES: This interim rule is effective on February 12, 1997. Comments

must be received by April 14, 1997.

ADDRESSES: Comments should be directed to:

OCC: Communications Division, Office of the Comptroller of the

Currency, 250 E Street S.W., Washington, D.C. 20219, Attention: Docket

No. 97-02. Comments will be available for public inspection and

photocopying at the same location. Comments may also be sent by

facsimile transmission to (202) 874-5274 or by electronic mail to

Regs.comments@occ.treas.gov.

Board: William W. Wiles, Secretary, Board of Governors of the

Federal Reserve System, 20th Street and Constitution Avenue, N.W.,

Washington, D.C. 20551, and refer to Docket No. R-0957. Comments

addressed to Mr. Wiles may also be delivered to the Board's mail room

between 8:45 a.m. and 5:15 p.m., and to the security control room

outside of those hours. Both the mail room and the security control

room are accessible from the courtyard entrance on 20th Street between

Constitution Avenue and C Street, N.W. Comments may be inspected in

room MP-500 between 9:00 a.m. and 5:00 p.m., except as provided in

Section 261.8 of the Board's Rules Regarding the Availability of

Information, 12 CFR 261.8.

FDIC: Jerry L. Langley, Executive Secretary, Federal Deposit

Insurance Corporation, 550 17th Street, N.W., Washington, D.C. 20429.

Comments may be hand delivered to room F-402, 1776 F Street, N.W.,

Washington, D.C. on business days between 8:30 a.m. and 5:00 p.m.

Comments may be sent through facsimile to (202) 898-3838 or by Internet

to comments@fdic.gov. Comments will be available for inspection at the

FDIC Public Information Center, Room 100, 801 17th Street, N.W.,

Washington, D.C. on business days between 9:00 a.m. and 4:30 p.m.

OTS: Manager, Dissemination Branch, Records Management and

Information Policy, Office of Thrift Supervision, 1700 G Street, N.W.,

Washington, D.C. 20552, Attention Docket No. 96-114. These submissions

may be hand-delivered to 1700 G Street, N.W., from 9:00 a.m. to 5:00

p.m. on business days; they may be sent by facsimile transmission to

FAX Number (202) 906-7755. Comments will be available for inspection at

1700 G Street, N.W., from 9:00 a.m. until 4:00 p.m. on business days.

FOR FURTHER INFORMATION CONTACT:

OCC: Lawrence W. Morris, National Bank Examiner, Examination

Process (202) 874-4915; Ronald Schneck, Director, Special Supervision,

(202) 874-4450; or Mark Tenhundfeld, Assistant Director, Legislative

and Regulatory Activities, (202) 874-5090; Timothy M. Sullivan,

Director, International Banking and Finance, (202) 874-4730.

Board: Jack P. Jennings, II, Assistant Director, (202) 452-3053,

William H. Tiernay, Senior Financial Analyst, (202) 872-7579, Betsy

Cross, Manager, Division of Banking Supervision and Regulation, or Greg

Baer, Managing Senior Counsel, (202) 452-3236, Legal Division.

FDIC: Mark A. Mellon, Counsel, Regulation and Legislation section

(202) 898-3854, Legal Division, or Robert W. Walsh, Manager, Planning

and Program Development section (202) 898-6911, Division of

Supervision, or international contact: Karen M. Walter, Review Examiner

(202) 898-3540, Division of Supervision, Federal Deposit Insurance

Corporation, 550 17th Street, N.W., Washington, D.C. 20429.

OTS: Scott M. Albinson, Special Assistant to the Executive

Director, Supervision, (202) 906-7984; or Ellen J. Sazzman, Counsel

(Banking and Finance), Regulations and Legislation Division, Office of

the Chief Counsel, (202) 906-7133.

SUPPLEMENTARY INFORMATION:

Background

Section 111 of the Federal Deposit Insurance Corporation

Improvement Act of 1991, Public Law 102-242, 105 Stat. 2236 (1991) (12

U.S.C. 1820(d)), established a requirement that each appropriate

Federal banking agency conduct a full-scope on-site examination of each

insured depository institution that it supervises at least once during

each 12-month period.^{1 It allowed an exception, however, for}

certain small insured depository institutions that are well managed and

well capitalized, permitting such institutions to be examined once

during each 18-month period. To qualify, an institution was required to

have $100 million or less in total assets and its composite condition

must have been found to be outstanding (rated 1 under the Uniform

Financial Institutions Rating System (UFIRS)) at its most recent

examination. In addition, qualifying institutions must not have

experienced a change in control during the previous 12-month period in

which a full scope examination would have been required by 12 U.S.C.

1820(d).

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\1\ Section 111 amended section 10 of the Federal Deposit

Insurance Act (the FDI Act) by adding a new subsection (d), codified

at 12 U.S.C. 1820(d).

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In 1994, Congress amended this provision to expand the availability

of an 18-month examination cycle to a broader number of small

institutions. CDRI section 306, Public Law 103-325, 108 Stat. 2160

(1994), amended section 10(d)(4) of the FDI Act to increase to $250

million the total-asset size of institutions rated outstanding (UFIRS

1) that could be examined on an 18-month cycle. CDRI section 306 also

added a provision permitting an 18-month cycle for institutions rated

satisfactory (UFIRS 2) at their most recent examination, provided they

did not exceed $100 million in total assets. CDRI also authorized the

Agencies to increase that $100 million threshold to $175 million

beginning on September 23, 1996. CDRI further requires that to qualify

for the expanded examination cycle, the insured institutions not be

subject to a formal enforcement proceeding or order, and that they meet

all the other criteria of section 10(d) of the FDI Act, which were not

changed by CDRI. These criteria require that an institution: (1) Be

[[Page 6451]]

well capitalized; (2) be well managed; and (3) must not have

experienced a change in control during the previous 12-month period.

EGRPRA section 2221 provides that, at any time after September 23,

1996, the Agencies, in their discretion, may increase to $250 million

the maximum asset size of UFIRS 2-rated institutions eligible for

examination on an 18-month cycle. CDRI requires that the Agencies

implement this provision by regulation and that they first determine

that the increased amount is consistent with the principles of safety

and soundness for insured depository institutions. (12 U.S.C.

1820(d)(10)).

The International Banking Act of 1978 (the IBA), as amended by the

Foreign Bank Supervision Enhancement Act of 1991, requires an

examination of each U.S. branch or agency of a foreign bank once during

each 12-month period. 12 U.S.C. 3105(c)(1)(C). EGRPRA section 2214

amended the IBA to provide that each Federal or State branch or agency

of a foreign bank shall be subject to on-site examination by an

appropriate Federal or State banking agency as frequently as would a

national or state bank, respectively, by the appropriate Federal

banking agency. Consequently, U.S. branches or agencies of foreign

banks are eligible for the 18-month cycle provided that they meet the

qualifying criteria outlined above. The method by which these

qualifying criteria should be applied to Federal and State branches and

agencies is currently under consideration. The Board, the OCC and the

FDIC request comment regarding application of these criteria to U.S.

branches and agencies of foreign banks.

The Agencies have determined that increasing the size limitation of

UFIRS 2-rated institutions that are eligible for an 18-month cycle is

generally consistent with the safety and soundness of insured

depository institutions assuming the absence of other risk factors. A

longer examination cycle permits the Agencies to focus their resources

on the segments of the banking and thrift industry that present the

most immediate supervisory concern, while concomitantly reducing the

regulatory burden on smaller, well-run institutions that do not pose an

equivalent level of supervisory concerns. In lieu of the more frequent

examinations that would otherwise be conducted for these institutions

once in every 12-month period, the Agencies rely upon off-site

monitoring tools to identify potential problems in smaller, well-

managed institutions that present low levels of risk. Moreover, neither

the statute nor the regulation limits, and the Agencies therefore

retain, the authority to examine an insured depository institution more

frequently. The Agencies that supervise state-chartered insured

institutions also recognize that flexibility must be made available in

the implementation of this regulation to accommodate requirements for

annual examinations by various states.

Description of the Interim Rule

This interim rule makes eligible for an 18-month examination

schedule an institution that: (1) Has total assets of $250 million or

less; (2) is well capitalized; (3) is well managed; (4) received a

UFIRS rating of 1 or 2 at its most recent examination; (5) is not

subject to a formal enforcement proceeding or order; and (6) has not

experienced a change in control during the previous 12-month period.

This interim rule increases the number of institutions eligible for an

18-month examination cycle by about 1,087 institutions (300 national

banks, 497 nonmember banks, 105 state member banks, and 185 savings

associations), thereby reducing the regulatory burdens attendant to the

examination process for those institutions and freeing additional

supervisory resources to focus on higher-risk institutions. Off-site

monitoring and the discretionary ability to examine institutions more

frequently minimizes the supervisory risks of the less-frequent

examinations. Furthermore, the supervisory emphasis that the Agencies

are placing on risk management assessment provides reasonable assurance

that a ``well managed'' institution has been evaluated on its ability

to identify and monitor risk, and to deal effectively with changes in

its environment that may occur between examinations.

The Agencies find good cause for issuing this interim rule without

prior notice and the opportunity for comment and for dispensing with

the 30-day delayed effective date ordinarily prescribed by the

Administrative Procedure Act, 5 U.S.C. 551 et seq. (the APA). This

interim rule confers a benefit on certain small insured depository

institutions by reducing the frequency of, and therefore the regulatory

burden associated with, on-site examinations. Making the 18-month

examination cycle effective immediately will maximize the benefit of

this burden reduction by enabling the Agencies to incorporate

immediately the revised examination schedule into their planning for

1997. Conversely, this interim rule does not increase the frequency of

examination or otherwise increase the regulatory burden for any insured

depository institution. Thus, those institutions that are not eligible

for the exemption from the statutorily prescribed 12-month examination

cycle are not adversely affected by the interim rule. Under these

circumstances, the Agencies conclude that prior notice and comment

procedures are unnecessary and would be contrary to the public

interest. 5 U.S.C. 553(b)(B).

In addition, the Agencies have determined that, under the APA,

examination schedules are a matter of internal agency procedure. See

Donovan v. Wollaston Alloys, Inc., 695 F.2d 1, 9 (1st Cir. 1982).

Determining when an insured financial institution is to be examined is

based, in part, on examiner availability, the Agencies' need to plan

examiner time in advance, and other issues relevant to the internal

operations of the Agencies. This interim rule is a matter of internal

agency procedure rather than a rule of substantive effect on bank

activities and authority. Therefore, this interim rule is exempt from

the APA's public notice requirement. 5 U.S.C. 553(b)(3)(A).

The Agencies are nonetheless interested in the views of the public

and are therefore requesting comment on this interim rule, as well as

how the qualifying criteria should be applied to the U.S. branches and

agencies of foreign banks. An interim rule for each agency is set out

below.

Regulatory Flexibility Act

An initial regulatory flexibility analysis under the Regulatory

Flexibility Act (the RFA) is only required whenever an agency is

required to publish a general notice of proposed rulemaking for any

proposed rule. 5 U.S.C. 603. As noted previously, the Agencies have

determined that is not necessary to publish a notice of proposed

rulemaking for this rule. Accordingly, an initial regulatory

flexibility analysis is not required.

Paperwork Reduction Act

In accordance with the Paperwork Reduction Act of 1995 (44 U.S.C.

3506), the Agencies have determined that no collections of information

pursuant to the Paperwork Reduction Act are contained in this interim

rule.

OCC and OTS Executive Order 12866 Statement

The OCC and OTS have each independently determined that this

interim rule with request for comment is not a significant regulatory

action under Executive Order 12866.

OCC and OTS Unfunded Mandates Act of 1995 Statement

Section 202 of the Unfunded Mandates Reform Act of 1995, Public

[[Page 6452]]

Law 104-4, 109 Stat. 48 (March 22, 1995) (Unfunded Mandates Act),

requires that an agency prepare a budgetary impact statement before

promulgating a rule that includes a Federal mandate that may result in

the expenditure by state, local, and tribal governments, in the

aggregate, or by the private sector, of $100 million or more in any one

year. If a budgetary impact statement is required, section 205 of the

Unfunded Mandates Act also requires an agency to identify and consider

a reasonable number of regulatory alternatives before promulgating a

rule.

Because the OCC and OTS have each independently determined that

this interim rule will not result in expenditures by state, local, and

tribal governments, in the aggregate, or by the private sector, of more

than $100 million in any one year, the OCC and OTS have not prepared a

budgetary impact statement or specifically addressed the regulatory

alternatives considered. Nevertheless, as discussed in the preamble,

this interim rule will have the effect of reducing regulatory burden on

certain institutions.

List of Subjects

12 CFR Part 4

Freedom of information, Organization and functions (Government

agencies), Reporting and recordkeeping requirements.

12 CFR Part 208

Accounting, Agriculture, Banks, banking, Confidential business

information, Crime, Currency, Federal Reserve System, Flood insurance,

Mortgages, Reporting and recordkeeping requirements, Safety and

soundness, Securities.

12 CFR Part 337

Banks, banking, Reporting and recordkeeping requirements,

Securities.

12 CFR Part 563

Accounting, Advertising, Crime, Currency, Investments, Reporting

and recordkeeping requirements, Savings associations, Securities,

Surety bonds.

Office of the Comptroller of the Currency

12 CFR CHAPTER I

Authority and Issuance

For the reasons set forth in the joint preamble, part 4 of chapter

I of title 12 of the Code of Federal Regulations is amended as follows:

PART 4--ORGANIZATION AND FUNCTIONS, AVAILABILITY AND RELEASE OF

INFORMATION, CONTRACTING OUTREACH PROGRAM

1. The authority citation for part 4 is revised to read as follows:

Authority: 12 U.S.C. 93a. Subpart A also issued under 5 U.S.C.

552; 12 U.S.C. 481, 1820(d). Subpart B also issued under 5 U.S.C.

552; E.O. 12600 (3 CFR, 1987 Comp., p. 235). Subpart C also issued

under 5 U.S.C. 301, 552; 12 U.S.C. 481, 482, 1821(o), 1821(t); 18

U.S.C. 641, 1905, 1906; 31 U.S.C. 9701. Subpart D also issued under

12 U.S.C. 1833e.

2. In Subpart A, a new Sec. 4.6 is added to read as follows:

Sec. 4.6 Frequency of examination

(a) General. The OCC examines national banks pursuant to authority

conferred by 12 U.S.C. 481 and the requirements of 12 U.S.C. 1820(d).

The OCC is required to conduct a full-scope, on-site examination of

every national bank at least once during each 12-month period.

(b) 18-month rule for certain small institutions. The OCC may

conduct a full-scope, on-site examination at least once during each 18-

month period, rather than each 12-month period as provided in paragraph

(a) of this section, if the following conditions are satisfied:

(1) The national bank has total assets of $250 million or less;

(2) The national bank is well capitalized as defined in 12 CFR part

6;

(3) At its most recent examination, the OCC found the national bank

to be well managed;

(4) At its most recent examination, the OCC determined that the

national bank was in outstanding or good condition, that is, it

received a composite rating of 1 or 2 under the Uniform Financial

Institutions Rating System (Copies are available at the addresses

specified in Sec. 4.14 of this chapter);

(5) The national bank currently is not subject to a formal

enforcement proceeding or order by the FDIC, OCC, or Federal Reserve

Board; and

(6) No person acquired control of the national bank during the

preceding 12-month period in which a full-scope on-site examination

would have been required but for this section.

(c) Authority to conduct more frequent examinations. This section

does not limit the authority of the OCC to examine any national bank as

frequently as the agency deems necessary.

Dated: December 23, 1996.

Eugene A. Ludwig,

Comptroller of the Currency.

Federal Reserve System

12 CFR CHAPTER II

Authority and Issuance

For the reasons set forth in the joint preamble, the Board amends

part 208 of chapter II of title 12 of the Code of Federal Regulations

as follows:

PART 208--MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL

RESERVE SYSTEM (REGULATION H)

1. The authority citation for part 208 is revised to read as

follows:

Authority: 12 U.S.C. 36, 248(a), 248(c), 321-338a, 371d, 461,

481-486, 601, 611, 1814, 1820(d)(8), 1823(j), 1828(o), 1831o, 1831p-

1, 3105, 3310, 3331-3351, and 3906-3909; 15 U.S.C. 78b, 78l(b),

78l(g), 78l(i), 78o-4(c)(5), 78q, 78q-1 and 78w; 31 U.S.C. 5318; 42

U.S.C. 4012a, 4104a, 4104b, 4106 and 4128.

2. In Subpart A, a new Sec. 208.26 is added to read as follows:

Sec. 208.26 Frequency of examination.

(a) General. The Federal Reserve examines insured member banks

pursuant to authority conferred by 12 U.S.C. 325 and the requirements

of 12 U.S.C. 1820(d). The Federal Reserve is required to conduct a

full-scope, on-site examination of every insured member bank at least

once during each 12-month period.

(b) 18-month rule for certain small institutions. The Federal

Reserve may conduct a full-scope, on-site examination at least once

during each 18-month period, rather than each 12-month period as

provided in paragraph (a) of this section, if the following conditions

are satisfied:

(1) The insured member bank has total assets of $250 million or

less;

(2) The insured member bank is well capitalized as defined in

subpart B of this part (Sec. 208.33);

(3) At its most recent examination, the Federal Reserve found the

insured member bank to be well managed;

(4) At its most recent examination, the Federal Reserve determined

that the insured member bank was in outstanding or good condition, that

is, it received a composite rating of 1 or 2 under the Uniform

Financial Institutions Rating System (Copies are available at the

address specified in Sec. 216.6 of this chapter);

(5) The insured member bank currently is not subject to a formal

enforcement proceeding or order by the

[[Page 6453]]

FDIC, OCC, or Federal Reserve Board; and

(6) No person acquired control of the insured member bank during

the preceding 12-month period in which a full-scope on-site examination

would have been required but for this section.

(c) Authority to conduct more frequent examinations. This section

does not limit the authority of the Federal Reserve to examine any

insured member bank as frequently as the agency deems necessary.

By order of the Board of Governors of the Federal Reserve

System, January 23, 1997.

William W. Wiles,

Secretary of the Board.

Federal Deposit Insurance Corporation

12 CFR CHAPTER III

Authority and Issuance

For the reasons set forth in the joint preamble, the Board of

Directors of the FDIC amends part 337 of chapter III of title 12 of the

Code of Federal Regulations to read as follows:

PART 337--UNSAFE AND UNSOUND BANKING PRACTICES

1. The authority citation for part 337 is revised to read as

follows:

Authority: 12 U.S.C. 375a(4), 375b, 1816, 1818(a), 1818(b),

1819, 1820(d)(10), 1821(f), 1828(j)(2), 1831f, 1831f-1.

2. A new Sec. 337.12 is added to read as follows:

Sec. 337.12 Frequency of examination.

(a) General. The Federal Deposit Insurance Corporation examines

insured state nonmember banks pursuant to authority conferred by

section 10 of the Federal Deposit Insurance Act (12 U.S.C. 1820). The

FDIC is required to conduct a full-scope, on-site examination of every

insured state nonmember bank at least once during each 12-month period.

(b) 18-month rule for certain small institutions. The FDIC may

conduct a full-scope, on-site examination at least once during each 18-

month period, rather than each 12-month period as provided in paragraph

(a) of this section, if the following conditions are satisfied:

(1) The insured state nonmember bank has total assets of $250

million or less;

(2) The insured state nonmember bank is well capitalized as defined

in 12 CFR 325.103(b)(1);

(3) At its most recent examination, the FDIC found the insured

state nonmember bank to be well managed;

(4) At its most recent examination, the FDIC determined that the

insured state nonmember bank was in outstanding or good condition, that

is, it received a composite rating of 1 or 2 under the Uniform

Financial Institutions Rating System (Copies are available at the

addresses specified in Sec. 309.4 of this chapter);

(5) The insured state nonmember bank currently is not subject to a

formal enforcement proceeding or order by the FDIC, OCC, or Federal

Reserve Board; and

(6) No person acquired control of the insured state nonmember bank

during the preceding 12-month period in which a full-scope on-site

examination would have been required but for this section.

(c) Authority to conduct more frequent examinations. This section

does not limit the authority of the FDIC to examine any insured state

nonmember bank as frequently as the agency deems necessary.

By order of the Board of Directors.

Dated at Washington, DC, this 21st day of January, 1997.

Federal Deposit Insurance Corporation.

Jerry L. Langley,

Executive Secretary.

Office of Thrift Supervision

12 CFR CHAPTER V

Authority and Issuance

For the reasons set forth in the joint preamble, the OTS amends

part 563 of Chapter V of title 12 of the Code of Federal Regulations as

follows:

PART 563--OPERATIONS

1. The authority citation for part 563 is revised to read as

follows:

Authority: 12 U.S.C. 375b, 1462, 1462a, 1463, 1464, 1467a, 1468,

1817, 1820, 1828, 3806; 42 U.S.C. 4106.

2. Sec. 563.171 is added to read as follows:

Sec. 563.171 Frequency of examination.

(a) General. The OTS examines savings associations pursuant to

authority conferred by 12 U.S.C. 1463 and the requirements of 12 U.S.C.

1820(d). The OTS is required to conduct a full-scope, on-site

examination of every savings association at least once during each 12-

month period.

(b) 18-month rule for certain small institutions. The OTS may

conduct a full-scope, on-site examination at least once during each 18-

month period, rather than each 12-month period as provided in paragraph

(a) of this section, if the following conditions are satisfied:

(1) The savings association has total assets of $250 million or

less;

(2) The savings association is well capitalized as defined in 12

CFR 565.4;

(3) At its most recent examination, the OTS found the savings

association to be well managed;

(4) At its most recent examination, the OTS determined that the

savings association was in outstanding or good condition, that is, it

received a composite rating of 1 or 2 under the Uniform Financial

Institutions Rating System (Copies are available at the addresses

specified in Sec. 516.1 of this chapter);

(5) The savings association currently is not subject to a formal

enforcement proceeding or order; and

(6) No person acquired control of the savings association during

the preceding 12-month period in which a full-scope on-site examination

would have been required but for this section.

(c) Authority to conduct more frequent examinations. This section

does not limit the authority of the OTS to examine any savings

association as frequently as the agency deems necessary.

Dated: November 20, 1996.

By the Office of Thrift Supervision.

Nicolas P. Retsinas,

Director.

[FR Doc. 97-3460 Filed 2-11-97; 8:45 am]

BILLING CODES 4810-33-P 6210-01-P 6714-01-P 6720-01-P