[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
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