April 18, 2018

In This Issue: 
  • IBANYS Meets With New NYS Senate Banks Chair Elaine Phillips
  • Sign The ICBA Petition Urging House Passage Of S.2155 Reg Relief Bill!
  • News On Upcoming IBANYS Meetings & Upcoming Webinars
  • New Feature: Spotlight Member Bank
  • Follow IBANYS On Facebook, Twitter, LinkedIn and Instagram!

Unfortunately, Linda Gregware's IBANYS email account was hacked yesterday afternoon. We are aware of this situation and it has been resolved. Please DO NOT OPEN any emails you may have received from Linda yesterday afternoon as they were a phishing email. The email did not contain any viruses. If you or anyone in your organization has opened the links in these emails please contact your IT Department immediately. Thank you. 

Message From the President
John Witkowski, President & CEO
IBANYS Meets With New Senate Banks Committee Chair Phillips 
This morning, I met at the State Capitol with the new Chair of the New York State Senate Banks Committee, Senator Elaine Phillips (R-Nassau County). The Senator previously worked for many years in the financial service industry, and has a strong background in banking issues. She also very clearly understands the importance of community banking to New York -- and, to the local communities and customers we serve throughout the entire state -- and recognizes that "all banks are not the same."  I was joined in the meeting by our IBANYS Legislative Counsel, Bill Crowell, and by the Senator's senior counsel Bob Farley. Many of you will remember that Bob is the son of the former longtime Senate Banks Committee Chairman Hugh Farley.  IBANYS looks forward to working closely with Chair Phillips and her staff to advocate for legislation that will benefit our member banks, their customers and their local communities  -- and oppose initiatives harmful to those same constituencies. 

The NYS Legislature is back in session this week after a two-week recess. With work on the state budget now completed, the session will push toward the scheduled adjournment date of June 20. 
Urge Your Congressional Representatives: Pass Reg Relief Bill "As Is"
It is important that your Representatives continue to hear directly from you about the vital importance of providing meaningful regulatory relief for community banks. That means passing S.2155, the reg relief bill passed by the Senate with bipartisan support, "as is" without amendments that could jeopardize senate support and delay or end the best opportunity for relief since Dodd-Frank was enacted in 2010. 
  • Click here to read IBANYS' letter to New York House Members. 
  • Click here to access our federal legislative priorities one-page card, and call or email your Represenbtatives. We need you to reinforce what we told them this week. 
Don't Miss IBANYS' Regional Human Resources Conferences 
IBANYS' Human Resources Conferences are April 24 - 25 in Rochester and Troy. These sessions are designed for New York community banks' HR Executives, training officers, branch managers and supervisory staff. As we all know, the workplace and regulatory environment are constantly changing. These conferences are important and timely, and offer the opportunity to learn more about key topics facing Human Resource Departments today. We have assembled an impressive line-up of speakers who will share their knowledge and expertise on topics such as sexual harassment, FMLA and PFL, health and wellness, compensation and employee benefits, identity theft, and much more. 
Click here to read more about the program. . . Click here to register.

. . .And, Remember All Of These Upcoming IBANYS Meetings!

Remember: IBANYS is YOUR association. Make it work for you!

- John

Follow IBANYS On Social Media!

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2018 Meetings

Human Resources Conferences

These programs provide an opportunity for your bank's team to learn about important topics that Human Resource Departments face today. The workplace and regulatory environment are constantly changing. IBANYS has compiled an impressive line-up of speakers who will share their knowledge and expertise on such important and timely topics as sexual harassment, FMLA and PFL, health and  wellness, compensation and employee benefits,  identity theft, and much more. 

                                        April 24, 2018                     April 25, 2018
      Hilton Garden Inn                   Hilton Garden Inn
   Rochester                                     Troy
     800 Pittsford Victor                 235 Hoosick Street
     Pittsford, NY 14534                   Troy, NY 12180

          Brochure                             Register

Bank Executive Symposium

May 7-9, 2018
Watkins Glen Harbor Hotel
16 N. Franklin Street
Watkins Glen, NY 14891

                        Brochure                     Register                 Sponsorship Form


Lending Conference

June 5-6, 2018
Woodcliff Hotel & Spa
199 Woodcliff Drive
Fairport, NY 14450

Register                              Brochure


Security Conferences

      June 19, 2018                 June 20, 2018
                                      Hilton Garden Inn                Hilton Garden Inn
                                     Rochester/Pittsford                         Troy
                                     800 Pittsford Victor              235 Hoosick Street
                                     Pittsford, NY 14534                Troy, NY 12180


Annual Convention

September 25-27, 2018
Hilton Albany
40 Lodge Street
Albany, NY 12207


Member banks:  Share this information  with your senior management teams, officers, directors, compliance, security and human resources  officers.  Preferred providers, associate members and business show exhibitors : Now is the time to plan to attend, participate, sponsor/exhibit.  Contact Linda Gregware: Lindag@Ibanys.net 

New Feature!
Spotlight Bank of the Week

Spotlight Bank of the Week is a new feature that we are adding to our website and e-newsletter. It is an opportunity to promote anything about your organization, such as fun facts, organization news, special events, etc. The Spotlight Bank of the Week will be featured on our homepage slider, e-newsletter, and our social media platforms for one week. So don't miss out on this exceptional opportunity to showcase your bank to thousands of people!

To apply, just fill out our registration form and email it to Natalie Rowan at natalier@ibanys.net.

IBANYS Education/Webinars
IBANYS Webinars

IBANYS' webinars provide timely, informative sessions on important topics and issues of interest for community bankers. They are valuable not only for their content, but for their convenience. Participants can take part from the comfort and privacy of their offices, without leaving the bank.
Our  Webinar Series offers many topics in the following categories:
  • Audit & Accounting
  • Collections
  • Compliance
  • Directors
  • Frontline & New Accounts
  • Human Resources
  • Information Technology
  • IRA
  • Lending
  • Operations
  • Security & Fraud
  • Senior Management
We are always adding more programs based on needs and requests of our members,
who drive our focus!  Take a look at the various series of webinars we offer by clicking each of the links below.

Community Banking Month Special

Celebrate Community Banking Month with a  FREE WEBINAR

Buy any  2 webinars and get a coupon code for  1 free until May 31st


Pricing starts at $230

  • 90 minutes of industry-leading webinar training
  • Take-away toolkit with supplemental materials, training log, and a knowledge-check quiz
  • Live and recorded options to view at your conveience
  • Viewable on desktop, mobile, or tablet

Add two webinars to your cart. Before completing your order enter "Send my free webinar code!" in the Comments box. A coupon code for your free webinar will be emailed to you within one business day. Choose your webinars here.

*Not applicable for full Series orders

Government Relations
IBANYS Meets With New NYS Senate Banks Chair Phillips
Consumer Protection Committee Also Has New Chairman 

Sen. Elaine Phillips
With last week's reunification of the Independent Democratic Conference (IDC ) and regular Democrats and demise of the governing coalition between Republicans and the IDC, former Senate Banks Chair Jesse Hamilton (D-Brooklyn) has been replaced. The new Banks Comittee Chair is Senator Elaine Phillips (R-Nassau County). I had a very successful in Albany this morning with Senator Phillips. IBANYS Legislative Counsel Bill Crowell and the Senator's senior counsel Bob Farley were also in attandance. Sen. Phillips clearly understands the importance of community banking in our communities all across the state, and that all banks are not the same.  The Senator  is in her first term in the Senate after serving as Mayor of Flower Hill, where  she worked to restore fiscal responsibility, decrease property taxes and provide a multi-year strategic plan. She worked in the financial services industry for more than 20 years  as Vice President of Institutional Sales at Goldman Sachs and a  financial analyst with Met Life and JP Morgan Securities, and said she  looks
Sen. Chris Jacobs
forward to bringing her private sector experience to her new role.
 IBANYS looks forward to working with her on behalf of New York community banks.  Meanwhile, t here is also a new Chair of the NYS Senate Committee on Consumer Protection: Senator Chris Jacobs (R-Erie County). He replaces Sen. David Carlucci (D-Rockland County). As Erie County Clerk, as a local businessman and in the State Senate, Sen. Jacobs has been a has been a strong advocate for expanding local business development. He also previously worked with then-HUD Secretary and former Western New York Congressman Jack Kemp.

Although the eight former members of the IDC are now back in the fold, Democrats must still win the two special elections on April 24 (one in the Bronx, the other in Westchester County), and then also convince another Democrat, Simcha Felder, of Brooklyn, to stop caucusing with Republicans before they can gain full control of the Senate.

Comptroller DiNapoli: State Tax Receipts Were Up

NYS Comptroller Tom DiNapoli
New York State Comptroller Tom DiNapoli said 
State tax collections spiked in December as New Yorkers raced to  pay their personal income taxes during the 2017 calendar year. The data was included in a state cash  report released  by the comptroller's office. DiNapoli said  that tax receipts are up for the state's fiscal year, which ended in March. Between April 2017 and March 2018, the state collected $79.3 billion in state taxes, a 6.6 percent increase from the previous fiscal year. The Comptroller stated:  "The state's economy continues to expand, but recent financial market volatility is a cautionary sign and questions still remain about how federal tax changes will affect the state's finances in the year ahead."  Heading into the current fiscal year (which began this month) the state had a general fund balance of $9.4 billion, which is about $1.7 billion more than the start of the previous fiscal year. However, this balance wouldn't be enough money to pay the state's bills for even a month. Meanwhile, l eaders of the New York State Conservative Party are backing Republican Marc Molinaro as he seeks the GOP nomination.

Latest Siena Poll On Governor, Election Races

A new Siena College Poll released this week found that Gov. Cuomo's favorability rating has fallen to 49 percent, tying his lowest ever as governor.  Cuomo is leading his main opponent for the Democratic primary for governor, actress and public education advocate Cynthia Nixon, but she has gained some ground since March.  Less than one month ago, Cuomo led Nixon 66 percent to 19 percent. The new poll shows Cuomo defeating Nixon 58 percent to 27 percent. Nixon has received the endorsement of the Working Families Party. The Governor still maintains wide leads over the two leading Republicans seeking to oppose him, Dutchess County Executive Marc Molinaro and State Senate Deputy Majority Leader John DeFrancisco (R-Syracuse). As for Gov. Cuomo's favorability rating, it has taken a hit but he remains popular with Democrats (62 percent favorable). However, he's below 50 percent approval with suburban and upstate voters.

Washington, D.C.
Senate Moves On Blocking CFPB Auto Lending Reg

The U.S. Senate moved forward with a resolution under the Congressional Review Act to block a 2013 Consumer Financial Protection Bureau regulation supported by ICBA to overturn the Consumer Financial Protection Bureau's guidance on indirect auto lending. In a letter to the Senate, ICBA expressed support for the resolution, noting that many community bankers have reported added difficulty in meeting the borrowing needs of their customers based on confusing and overly burdensome guidance. The Congressional Review Act resolution (S. J. Res. 57) is set for a final Senate vote today. It  follows Sen. Pat Toomey's (R-PA) request that the Government Accountability Office determine the guidance to be a rule subject to CRA. The 2013 guidance explained that certain lenders that offer auto loans through dealerships are responsible for unlawful pricing.

Fed's Quarles: Reform "Formulaic & Ossified" CRA Rules 

In his first testimony before before the House Financial Services Committee, Federal Reserve Vice Chairman for Supervision Randal Quarles said he would  revisit a series of banking regulations, but also faced pressure from House Republicans to further pull back oversight of banks' boards of directors. Quarles vowed to consider changes to big-bank capital rules, annual "stress tests," the Volcker rule ban on speculative trading, and rules on lending to the poor. Quarles testified that  rules to comply with the Community Reinvestment Act (CRA) have become "formulaic and ossified," and must be changed to encourage the kinds of lending practices that the law was originally intended to foment. He praised a recently Treasury Department report calling for CRA reform, and said the Fed is focused on revitalizing the regulations. He noted financial services regulation should promote the system's efficiency as well as its safety, and noted there is a strong public interest in the efficiency of the financial system, which directs the flow of savings and investment in the economy. Federal regulators are clearly working to tailor Community Reinvestment Act regulations to recognize differing bank sizes and business strategies. Federal Reserve Gov. Lael Brainard said regulators are seeking clearer, simpler rules as well as greater exam consistency. Speaking at ICBA's Capital Summit last week, Comptroller of the Currency Joseph Otting said regulators plan to release a CRA modernization plan in the coming weeks.

In other regulatory news, Federal banking agencies proposed revising regulatory capital rules to allow banks to phase in the Current Expected Credit Losses methodology. The proposal would allow banks to phase in the day-one regulatory capital effects of CECL adoption over three years. Comments on this proposal will be accepted for 60 days after publication in the Federal Register.

Push Is On For New Farm Bill

In a joint letter in advance of today's House Agriculture Committee markup of Chairman Mike Conaway's draft farm bill (H.R. 2), the ICBA and the ABA thanked the chairmen and ranking members of the House and Senate Agriculture Committees for their commitment to a new farm bill.  Both associations organizations support a strong crop insurance program. The letter also advocates enhancements to USDA guaranteed farm loan and other rural development programs, and strongly opposes any expansion of Farm Credit System lending or investing authorities. The current farm bill expires Sept. 30. IBANYS advocated for a new farm bill during our meetings "on the hill" last week with members of the new York Congressional Delegation.

IBANYS Members: Sign The Reg Relief Petition Today 
--  And Ask Your Customers To Sign It Too!

IBANYS and ICBA are urging urging the House of Representatives to immediately pass substantial community bank regulatory relief.
After  the Senate's strong bipartisan passage of S. 2155, community banks now need to continue the momentum so that meaningful relief is not derailed at the last minute. We ask all New York community bank officers, employees and board members  to join this important petition drive --  and to enlist customers and community banking allies as well. President Trump has pledged to sign S. 2155 into law, so community banks cannot afford further delay or inaction. 
IBANYS urges all New York community banks to click here to sign the petition.

Action Alert

Call Or Email  Your Local Representatives: 
Tell Them To "Vote For Community Banks" By Passing S.2155 

The bipartisan Senate regulatory relief bill (S.2155), has been approved by the U.S. Senate 67 votes affirmative votes. T he action now moves to the House of Representatives. The challenge now is to urge the House to approve the Senate legislation as is, without adding any amendments that would jeopardize the bipartisan support demonstrated in the Senate, where 16 Democrats joined their Republican colleagues in voting for the measure.  IBANYS is conducting a grassroots outreach effort with the New York House delegation. To email or call your Representatives, click on the links below:

We have written to each member, but we need YOU to contact your local Representatives. Call their district offices while they are home for the two-week recess beginning this weekend. You can also visit www.icba.org and use their "Be Heard" grassroots site to tailor your messages.

Industry Trends & Updates
 Two Nominated For Federal Reserve Board
Including A Community Banking Representative

Michelle "Miki" Bowman
President Trump has nominated Kansas Bank Commissioner Michelle "Miki" Bowman for the Federal Reserve Board. Bowman would serve a term expiring in January 2020, and would fill the ICBA-advocated position dedicated to individuals with experience in community banking.
 She previously was Vice President of Farmers & Drovers Bank, and has worked for former U.S. Sen. Bob Dole (R-KS), the House Transportation and Oversight Committees, the Federal Emergency Management
Richard Clarida
 Agency (FEMA) and the Department of Homeland Security. ICBA thanked the President for nominating a community banking  representative for the Fed Board -- a sentiment strongly echoed by IBANYS.   The President also nominated Also nominated Richard Clarida, economics professor at Columbia University, a former Treasury official in the administration of President George W. Bush and currently a Columbia University economist, for the Fed's second-ranking job. He would serve as vice chairman for four years of a term expiring in January 2022.  Clarida is considered a scholar in monetary policy. 

Latest On Housing Starts, Home Affordability

The U.S. Commerce Department reported housing starts in March rose 1.9 percent, to a seasonally adjusted annual rate of 1.319 million units. Data for February was also revised up to show groundbreaking declining to a 1.295 million-unit pace instead of the previously reported 1.236 million units.  Single-family home construction fell in the Northeast, South and West, but rose in the Midwest. Permits to build single-family homes dropped 5.5 percent in March to an 840,000 unit-pace, the lowest level since September 2017. Meanwhile,  housing affordability - based on the amount of the monthly mortgage payment - could weaken at the fastest pace in a quarter century, according to researchers at Arch Mortgage Insurance.  Other studies that factor in median income also show decreasing affordability because home prices are rising far faster than income growth.

Dudley, Williams Are Both In News

William Dudley
Federal Reserve Bank of New York President William Dudley said today that s
ome community banks have ramped up investments that could pose risks as interest rates rise, and said they should evaluate their portfolios now that U.S. policy is tightening. 
"We have observed that some community banks have taken on more interest-rate risk by increasing the maturity of their assets and the average duration of their loan portfolios.  It will be important for community banks that are very sensitive to interest rate risk to
John Williams
evaluate the risk management of their loan portfolios." Meanwhile, John Williams, the San Francisco fed President who will succeed Dudley as New York Fed President in June, expects U.S. inflation to rise to the central bank's 2 percent goal this year and stay at or above that goal for "another couple of years," even as the Fed continues to raise interest rates. "I am not as worried by inflation right now as I think there are global factors that are holding inflation down." 
Banking News
Online Lending

Excelsior Growth Fund (EGF) is NYBDC's nonprofit Community Development Financial Institution and IBANYS' exclusive online lending partner. Their  mission is to help businesses in New York, New Jersey and Pennsylvania grow by providing small business loans and advisory services. As a nonprofit organization and a U.S. Treasury-certified Community Development Financial Institution  (CDFI) , they're a responsible lender you can trust. Their  products are affordable and flexible, and their advisory services can help you reach your business goals. Their signature product, the EGF SmartLoan™, provides up to $100,000 through a streamlined online platform.  Loans are approved in 1-2 days and funded in a week.  For more details, please visit: http://excelsiorgrowthfund.org/egf_smartloan/ 

Spotlight Bank of the Week

The year 1888 was historic both in America and in Rochester.

It had been only 23 years since the end of the Civil War. Thomas Edison filed a patent for the Optical Phonograph- the first movie. George Eastman patented the first roll-film camera and registered the "Kodak" name. And in May, Fairport Savings Bank was born.

Fairport Savings Bank- 1962
In its 130 years, Fairport Savings Bank (FSB) has seen marked growth in its products, services, and locations, but remains, at its core, an effective and strategic community bank. "As we continue to grow, our purpose, philosophy, and commitment to meeting our customers' needs has remained," says Kevin Maroney, President and CEO as of January 1. "And we're proud that our size and flexibility truly allows us to be a 21st-century 'we say yes' bank."

This May, all FSB branches will be celebrating with family events, anniversary cakes and special       
                                                            giveaway items throughout the month. 

Customer Julie Scott Stryker is representative of a multi-generational family with an FSB relationship beginning with her great-grandparents, through our great-aunt, her parents, her and her husband, and now their 10-month old son. "I use the online banking service daily," she said. "It's relevant and completely up-to-date." 
Fairport Savings Bank- 2017

Julie has chosen to continue with FSB and is a big fan. "We know we can completely trust our banking relationship with Fairport Savings Bank," she added. "If ever there was an issue, we could call and speak directly with someone who would be there to help." Julie's confidence also stems from knowing FSB from the inside. For several years she worked at the bank in various departments, noting "it was a wonderful place to work."

With assets of more than $300 million, FSB now has five full-service branch locations, five dedicated mortgage offices, an expansive ATM network, broad offerings of online and mobile banking e-services, and two
Interior- Fairport Savings Bank
 subsidiaries- Fairport Wealth Management and FSB Insurance Agency for investments and insurance. Maroney notes that FSB is still about "cultivating extraordinary relationships" with its new and longtime customers and its nearly 100 employees, and providing its personal Fairport Savings Bank experience.

Maroney began with FSB in 2004 as executive vice president and chief financial officer during the company's strategic growth period. Upon the retirement in December 2017 of longtime President and CEO Dana C. Gavenda- now the current chair of the board of directors- it seemed fitting that Maroney
                                                           be appointed to this position. 

We have a long and proud history and legacy, and Kevin Maroney is perfectly positioned to carry that legacy forward," said Gavenda. "He knows to look at today's world from both a personal and business perspective not only to stay relevant, but to expand and extend our reach. He knows that we succeed if our people succeed."

Another important addition to the FSB "family" is Michael Giancursio, named in October as executive vice president and chief lending officer. This Fairport native has more than 20 years experience in commercial credit, lending, and deposits. Thanks to FSB's many products, Giancursio looks forward to growing both commercial and residential lending. He also has a unique perspective on commercial banking, having been a bank examiner for the Office of the Comptroller of the Currency in Syracuse.

FSB prides itself on its core values which include, among other points, community
        Fairport Savings Bank Through The Years
 involvement and support. Its culture encourages volunteerism and community event sponsorship; Maroney himself has been the treasurer of the Boys and Girls Clubs of Rochester for five years.

"Fairport Savings Bank may have a long history," notes Maroney, "but we are not your typical, purely transactional bank. As a community bank, we all roll up our sleeves and do what needs to be done. We really do want to earn our tagline, 'love your bank.'"

To learn more, please visit www.fairportsavingsbank.com.
IBANYS Spotlight Is On...
  Main Street Inc.

Main Street partners with the underserved, community-oriented financial institution who desires a personal customer service model in their checking, analytics, and marketing programs. Main Street's simplified approach equips businesses with the information, tools, and solutions needed to win in today's market. Whether you are trying to acquire, retain, or expand customer relationships, Main Street provides a cost-effective, straightforward, partnership to meet your goals. For details, visit the website at www.mainstreetinc.com.

Contact Cynthia  Glover, V.P./Business: 
Or, visit the website at  www.mainstreetinc.com.
IBANYS Endorsed Services

IBANYS identifies offers products and services that provide value to your banks, companies, employees communities. These brief summaries provide links for information. Please contact IBANYS President John Witkowski with questions.

Health & Wellness

My Wellness Resource & TELADOC

The health and wellness landscape continues to evolve. "My Wellness Resource" can be a nice addition to your existing benefit package. 

Teladoc can save your banks time and money, and provide real value to your employees as this testimonial from a New York community bank CEO proves:
"I wanted to let you know that some of our employees and I have been using "Teladoc" and it is one of the best things we have done for the bank. We all love it: We are saving time, avoiding waiting in an urgent care center or a doctor's waiting room for non-emergency related illnesses . . .and it is easy to use and convenient. Once you use it, you are hooked! This was a great find! Would recommend it to all banks."

Mario Martinez 
Chairman & CEO
Catskill Hudson Bank

Contact Alan Justin: (716) 907-5500. 

"Cure the Blue" Helps Banking Industry Battle Prostate Cancer!

The "Cure the Blue" program sponsored by the Buffalo Bills Alumni Foundation allows New Yorkers to participate in one of the most comprehensive efforts to help promote prostate cancer awareness and research in the United States.  Lake Shore Savings Bank has provided prostate cancer literature and Cure the Blue information at all eleven of its branches and their headquarters in Dunkirk. The bank also offered Cure the Blue ceramic lapel ribbon pins for a $5.00 donations to Cure the Blue to all their customers. "We fully understand the severity of this disease and the devastating effect it can have on families" said Lake Shore Savings Bank President and CEO Dan Reininga. "Our support of the Buffalo Bills Alumni Foundation's "Cure the Blue" initiative is something that we are taking very seriously and are proud to support." Buffalo Bills Wall of Famer and Alumni Foundation President Booker Edgerson, a two time prostate cancer survivor, said the bank has been a tremendous longtime supporter, noting: "They have really stepped up to the plate with their unwavering support of our Cure the Blue initiative." 

IBANYS urges all of our member banks, associate members and allies to join the effort. Cure the Blue" raises funds and awareness regarding prostate cancer in New York State. Visit  curetheblue.com  to get involved! Of all new cancer cases in the nation, prostate cancer represents 9.6%. In 2017, there were an estimated 161,000 new cases, and more than 26,000 fatalities due to the disease. Support IBANYS' "Cure the Blue" campaign to help New Yorkers participate to promote prostate cancer awareness and research.

Secure. Enhanced Internet Presence

The .bank program by fTLD operates trusted, verified, more secure, easily-identifiable internet locations for financial companies and customers. www.icba.org 

Did You Know?

. . .That  In 1960, the median home value in the U.S. was $11,900 -- the equivalent of around $98,000 in today's dollars? In 2000, it had risen  to over $170,000, and as of April 2018, the median home value was over $210,200,  according to Zillow . Adjusting for inflation, that's a 114 percent increase since 1960.

New York community banks play a key role in our state and local economies. Help spread the good news among our customers, business, elected leaders and the media!

John J. Witkowski
President & Chief Executive Officer

Stephen W. Rice
Director of Government Relations & Communications

Linda Gregware
Director of Administration & Membership Services

William Y. Crowell III
Legislative Counsel

Natalie Rowan
Marketing & Social Media Assistant
Connect With Us!