Identification Number:
GN 02402 TN 115
Intended Audience:See Transmittal Sheet
Originating Office:DCBFM OFPO
Title:Direct Deposit - Title II and Title XVI
Type:POMS Transmittals
Program:Title II (RSI); Title XVI (SSI); Disability
Link To Reference:
 

PROGRAM OPERATIONS MANUAL SYSTEM
Part GN – General
Chapter 024 – Checks
Subchapter 02 – Direct Deposit - Title II and Title XVI
Transmittal No. 115, 10/25/2018

Audience

PSC: BA, CA, CCRE, CS, DS, ICDS, IES, ILPDS, IPDS, ISRA, PETE, RECONR, SCPS, TSA, TST;
OCO-OEIO: BIES, BTE, CCRE, CR, CTE, FCR, PETL, RECOVR;
OCO-ODO: BTE, CCE, CR, CST, CTE, EHI, LCC, LSC, PAS, PCS, PETL, RC, RCOVTA, RECONR, RECOVR;
FO/TSC: CS, CS TII, CS TXVI, CSR, CTE, FR, OA, OS, RR, TA, TSC-CSR;

Originating Component

OFPO

Effective Date

Upon Receipt

Background

International Direct Deposit (IDD) service is a joint effort between our agency and the Federal Reserve Bank of Kansas City (FRBKC). This transmittal contains revised IDD procedures for Poland and Bangladesh. Additionally, this transmittal contains new IDD instructions for El Salvador based on requirements provided by the Department of the Treasury.

Summary of Changes

GN 02402.340 Coding Polish Bank Data for the MBR

Section B.2- We removed the language in this section explaining which banks accept IDD payments in Poland. All banks in Poland now accept IDD payments.

Section F.4- We removed the example in this section as the information is now obsolete.

GN 02402.390 Coding Bangladesh Bank Data on the Master Beneficiary Record (MBR)

Section E- We added two bullets in this section indicating that the technician must input the bank name and bank address into ITS.gov processing IDD for this country.

GN 02402.418 Coding El Salvador Bank Data on the Master Beneficiary Record (MBR)

These new instructions provide bank data coding requirements for financial institutions in El Salvador. Technicians use these instructions to enroll Title II beneficiaries into International Direct Deposit, in order to receive benefits electronically.

 

GN 02402.340 Coding Polish Bank Data for the MBR

Poland (along with Hungary and Panama) requires more digits than are available in SSA’s direct deposit (RTN and DAN) fields. Full information must be on the International Treasury Services website (ITS.gov) so the Federal Reserve Bank of Kansas City (FRBKC) can add the extra digits before sending the payments to Poland’s banks. Only a small number of banks in Poland can accommodate SSA’s International Direct Deposit (IDD) payments. All IDD payments to Poland go to U.S. dollar accounts. Procedures vary according to the office that receives the IDD request. IDD enrollment forms in Polish and English are included at (GN 02402.340G) in this section.

NOTE: U.S. domestic (i.e., non-border) field offices (FOs) should not attempt to process an IDD request for this country. U.S. domestic FOs must forward all appropriate information to the Office of Earnings and International Operations, Division of International Operations (OEIO, DIO) for processing (For more information on forwarding IDD information, see GN 02402.205C, GN 01010.255, and GN 01702.310C).

A. Introduction to coding Polish bank data

This section describes how to code bank data for direct deposit of Title II benefits to a financial institution (FI) in Poland. The bank data is on the Master Beneficiary Record (MBR) in the same fields that we use for U.S. direct deposit. Special coding identifies the data as International Direct Deposit (IDD) for Poland and allows benefit payments to be routed through the Federal Reserve Bank of Kansas City (FRBKC) and the contractor bank (Citibank) to the beneficiary's FI.

The data for IDD coding may come from a check, a signup form for Poland (available in Polish or English at GN 02402.340G.), or the equivalent information received by mail, phone, fax, or email.

NOTE: If upon receipt of the information, there are any discrepancies, follow instructions in GN 00203.020 and GN 02402.025.

B. Currency for Poland payments

SSA sends IDD payments for Poland only to U.S. dollar (USD) accounts. SSA does not send payments by IDD to a Polish zloty account at this time.

C. Description of Polish bank data

1. The IBAN code

The IDD coding for Polish bank data uses the International Bank Account Number (IBAN), which consists of 28 characters, as follows:

  • PL, the IBAN code for international payments to Poland;

  • 2 check digits;

  • An 8-digit bank and branch code (This must have all 8 digits.); and

  • A 16-digit account number. (This must have all 16 digits.)

2. Polish bank data on the MBR and ITS.gov

Because there are not enough total spaces in the Routing and Transit Number (RTN) and the Depositor Account Number (DAN) fields on the MBR, only a portion of the full IBAN code goes on the MBR. However, the full IBAN code must be on the website for the International Treasury Services (ITS.gov), a Department of the Treasury Internet-based program used by FRBKC for IDD.

D. Process for applying Polish bank data

1. Applying Polish bank data to the MBR

The FBU in Warsaw or DIO keys the complete bank data to ITS.gov. The International Treasury Service then sends a portion of the bank data to SSA through Automated Enrollment (Quick$tart). SSA's MBR doesn’t have enough spaces in the RTN and DAN fields to accept all of the IBAN code for Poland, so some of the data doesn’t go to the MBR.

When the cutoff for direct deposit is near, the FBU or DIO codes the full data for ITS.gov and the correct data for the MBR.

2. Applying the remainder of the bank data before payment

When a payment for Poland arrives, FRBKC checks the payment against the information for that beneficiary on ITS.gov. If the information matches, FRBKC adds the remaining characters to complete the IBAN. If the information doesn’t match, FRBKC sends the payment information to the FBU to resolve the discrepancy.

E. Procedures for coding routing and account numbers for International Direct Deposit (IDD) to Poland

Use this chart to determine which instructions to follow:

If you are in…

 

Follow instructions in this subsection at …

The FBU in Poland, or OEIO

GN 02402.340E.1.

An FBU outside Poland

GN 02402.340E.2.

A U.S. field office (FO) or regional office (RO).

GN 02402.340E.3.

1. Instructions for the FBU in Poland, or OEIO

If…

Then…

The cutoff date is three or fewer days from today,

  • Code the full IBAN to ITS.gov .

  • To code the bank data to the MBR, follow the steps in this section at GN 02402.340E.2.

The cutoff date is at least four days from today,

  • Code the full IBAN to ITS.gov.

  • ITS sends the information for the MBR to DIO through Automated Enrollment. You don’t need to code directly to the MBR.

2. Instructions for an FBU outside Poland

1.

 

Is the beneficiary’s address on the MBR outside the U.S.?

If yes, go to Step 2.

If no, STOP. The MBR does not accept IDD information if the beneficiary has a U.S. address.

2.

Is the beneficiary’s account a USD account at an FI in Poland?

If yes, go to Step 3.

If no, return the request. STOP . This must be a USD account in Poland.

3.

Code the Type of Account (on the SSA screen) as checking or savings. If you don’t know the type of account, code it as checking.

4.

To begin coding the Routing and Transit Number (RTN) field (nine digits total), start with 70, the multi-country prefix that SSA and FRBKC have designated for Polish IDD. (NOTE: Poland has the same contractor code as the Caribbean countries.)

5.

Skip the first four characters of the IBAN, which consist of PL and two check digits. Code the next six digits of the IBAN (the first six digits of the eight-digit bank-branch code).

6.

Code the U.S. check digit. Obtain the check digit from Title II Interactive Comps.

7.

Code the Depositor Account Number (DAN) field, starting with E, the country code for Poland for the multi-country contractor that uses the 70 prefix.

8.

Code the next 16 digits of the IBAN (the last 2 digits of the bank/branch number and the first 14 digits of the account number).

9.

Are you certified to enter data on ITS.gov?

If yes, input the full IBAN information to ITS.gov , and fax the enrollment form to the FBU in Warsaw for review.

If no, fax the completed form to the Warsaw FBU (at the fax number on DOORS). STOP.

3. Instructions if you are in an FO or RO in the U.S.

1.

Print and complete the English version of the enrollment form for Poland, SSA-1199-PO-OP1. If the beneficiary reads Polish, allow the beneficiary to use the Polish version, SSA-1199-PO.

2.

Fax the completed form to OEIO’s paperless fax number at 877-385-0645 STOP.

F. Examples of coding Polish direct deposit to the MBR

1. Example 1

Five days before the direct deposit cutoff, the FBU in Warsaw receives a completed enrollment form for a USD checking account at a bank in Poland that is on the acceptable list. The IBAN is as follows:

PL 12 1240 1125 1787 0000 1234 5678

The FBU technician codes the full information on ITS.gov , but does not need to code directly to the MBR because it isn’t within three days of the cutoff. In three days, the following information appears on the MBR:

RTN: 701240114

DAN: CE2517870000123456

(The system has placed the C in the DAN field because the FBU selected “Checking” in “Type of Account.” The technician must never code a C or S for checking or savings at the beginning of the DAN field.)

2. Example 2

Three days before the cutoff date for direct deposit, OEIO receives an enrollment form from Mr. L in Poland. The form, from one of the banks the FBU has approved for IDD to Poland, contains the following information:

Poland

Code

Two Check Digits

Bank-Branch Code

Account Number

P

L

1

2

1

2

4

0

1

0

3

7

1

2

3

4

5

6

7

8

9

0

1

2

3

4

5

6

The DIO technician codes the full IBAN information to ITS.gov and then begins the coding on SSA's direct deposit screens. She begins the RTN field with 70, skips PL and the two check digits (12), then codes the first six digits of the Bank-Branch Code (124010). She adds the U.S. check digit (1) at the end, making the RTN 701240101.

The technician then begins the DAN field with E, the country code for Poland with the contractor bank that uses 70 as the prefix at the front of the RTN field. Next, she adds the final two digits of the Bank-Branch Code (37). She finishes with the first 14 digits of the Account Number (12345678901234).

The DAN is now E3712345678901234.

3. Example 3

DIO receives a letter from a beneficiary in Poland asking to have her direct deposit changed to a USD account at Bank PEKAO SA. The IBAN is given as the following:

PL 23 1240 1024 1787 0010 1234 5678.

DIO notes that it is very near the cutoff date for direct deposit. The technician begins with the SSA direct deposit screens, so the IDD information will be on the MBR in time for the cutoff.

  • RTN: The technician begins the RTN with 70, the contractor's prefix for Poland, then he skips over the first four characters of the IBAN (PL23), and follows the 70 with the next six digits (124010). This makes the RTN 70124010, so far. The technician adds the check digit of 1, so the full RTN is 701240101.

  • DAN: The technician places an E at the start of the DAN field, to show this is for Poland. He skips over PL (23) and the digits he has already coded. He codes the next 16 digits (2417870010123456 ). The DAN is now E2417870010123456.

After transmitting the information to the MBR, he codes the full information on ITS.gov .

4. Example 4

DIO receives an enrollment request from Ms. W to have IDD to a zloty account at her bank in Poland. DIO returns the enrollment form with an explanation to Ms. W that we are sending payments only to USD accounts in Poland. DIO includes a new form and tells Ms. W to send a completed form to the FBU in Warsaw if she has a USD account.

5. Example 5

Mr. V, who lives in Poland, is visiting his sister in the U.S. His sister talks him into requesting direct deposit to his U.S. dollar bank account in Poland. She takes him to her servicing FO in Huntington Park, California, where the service representative checks the bank data he gives her and sees that this is an approved bank for IDD. The service representative asks if Mr. V can read English, and he says he would prefer the form in Polish, if possible. She prints both form SSA-1199-PO and form SSA-1199-PO-OP1, so she can use the English translation to assist, if necessary. Mr. V completes and signs the Polish language form. After reviewing it to be sure it has all the necessary information, the service representative faxes the completed form to OEIO’s paperless fax number.

G. Exhibit of the IDD enrollment form for Poland

You can print the SSA-1199 enrollment form for Poland here. The form is also available from the FBU or OEIO.

Form SSA-1199-OP1

GN 02402.390 Coding Bangladesh Bank Data on the Master Beneficiary Record (MBR)

This section describes how to code bank data for international direct deposit (IDD) of Title II benefits to a financial institution (FI) in Bangladesh. The Social Security Administration (SSA) stores IDD bank data on the MBR in the same fields used for United States (U.S.) direct deposit. Special coding identifies the data as a Bangladesh direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Bangladesh to the beneficiary's local FI.

NOTE: U.S. domestic (i.e., non-border) field offices (FOs) should not attempt to process an IDD request for this country. U.S. domestic FOs must forward all appropriate information to the Office of Earnings and International Operations, Division of International Operations (OEIO, DIO) for processing. For more detail on IDD requests and forwarding information, see to GN 02402.201, GN 02402.205, GN 01010.255, and GN 01702.310C.

A. How we receive IDD bank data

We receive requests to input bank data by mail, phone, or fax in the following formats:

  • Blank check;

  • SSA-1199-OP59 International Direct Deposit Signup Form for Bangladesh or

  • Any document containing required banking information.

NOTE: If upon receipt of the information, there are any discrepancies, follow instructions in GN 00203.020 and GN 02402.025.

B. Multi-country contract

The processing FI in Bangladesh will have a prefix of 68 at the beginning of the Routing Transit Number (RTN).

C. Overview of IDD for Bangladesh

The beneficiary must provide complete information to DIO or the Federal Benefits Unit (FBU) for input. DIO will fax incomplete forms to the FBU that serves Bangladesh. The FBU contacts the beneficiary or FI for additional information.

D. Description of Bangladesh IDD bank data

The data for coding IDD for Bangladesh comes from banks determined by the FRBKC. The bank data on the MBR consists of 27 characters including Bangladesh country code of “O”.

E. Procedure for coding Bangladesh bank data

The FRBKC relies on SSA to provide the complete bank data to ensure correct posting of payments to a customer’s account. If the information is incomplete, the FRBKC rejects the payment and returns the funds to SSA. When establishing or changing IDD bank data for Bangladesh, you can use an SSA system (i.e., Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE), etc.). However, you must go to ITS.gov to enter the following information:

  • account ownership;

  • account number

  • account type;

  • bank name (enter in the bank contact info field)

  • bank address (enter in the bank contact info field)

  • beneficiary address

  • nationality/citizenship;

  • country;

  • enrollment status;

  • first and last name of the beneficiary;

  • payee indicator; and

  • Society for Worldwide Internet Financial Telecommunication-Business Identifier Code (SWIFT-BIC).

1. SWIFT-BIC code obtained from the FI

The SWIFT code contains a minimum of 8 characters and a maximum of 11 characters:

  • First four characters - bank code (only letters);

  • Next two characters - ISO 3166-1 alpha-two country code (only letters);

  • Next two characters - location code (letters and digits) (passive participant have "1" in the second character); and

  • Last three characters - branch code, optional ('XXX' for primary office) (letters and digits).

2. Initial award processing

If you are working on an initial award, you must update ITS.gov using the bank account information prior to processing the award to ensure that the beneficiary receives his or her payment. If the complete bank account information is not in ITS.gov when the payment processes, the payment rejects and returns to SSA.

3. Adding or updating bank data using SSA systems

You must update ITS.gov on the same day if you use an SSA system to add or update bank data on the MBR (i.e. Post Entitlement Online System (POS), MACADE, etc.). Enter all POS direct deposit changes according to normal procedures. When coding IDD bank data in an SSA system for Bangladesh within four business days of the current operational month (COM) cutoff date, use the procedure outlined in the following chart:

STEP

ACTION

1

 

Are you coding an initial claim?

If yes, go to step 3.

If no, go to step 2.

2

Is the beneficiary's address on the MBR in a foreign country (PCOC = 8)? If no, STOP.

REASON: The MBR does not accept the IDD information unless the address is in a foreign country.

If yes, go to step 3.

3

Is the beneficiary's account a BDT in Bangladesh? If no, STOP.

REASON: Beneficiaries in Bangladesh can only receive IDD

payments in BDT accounts.

If yes, go to step 4

4

The RTN is 680000093 for all IDD to Bangladesh. SSA and FRBKC have designated 68 as the multi-country prefix for Bangladesh IDD. The “3” at the end of the RTN represents the U.S. check digit code for all IDD accounts in Bangladesh. Therefore, there is no need to obtain the check digit code from Title II Interactive Comps.

5

Code the Type of Account as an “S” for savings or a “C” for checking. If no indicated account type, use a “C” for checking account.

6

To code the Depositor Account Number (DAN) for Bangladesh, code as follows:

  • Start with a country code of “O” designated for Bangladesh

  • Code up to 16 characters of the Customer Account Number.

NOTE: The full Customer Account Number can contain up to 20 characters, see step 7.

7

You must take action on the same business day to enter the full Customer Account Number and full SWIFT into ITS.gov along with the information listed in the introduction of GN 02402.390E in this section.

If you do not have access to ITS.gov, ask a co-worker who has access to update the required information into ITS.gov. FRBKC will need all of this information in order to process the IDD payment. When this information is not available, FRBKC will reject the payment and return it to SSA.

F. Example - Coding Bangladesh Direct Deposit

The customer provides us with a signup form for Bangladesh containing the following information:

Account Number: 12345678901234567890

1. Derive the RTN

Enter the RTN information.

  • Code an RTN of 680000093

  • Code the type of account as a “C” for Checking or an “S” for Savings. If no account type indicated, use a “C” for Checking.

2. Derive the DAN

Enter the DAN information.

  • Start with a country code of “O” designated for Bangladesh; and

  • Code 16 digits of the Customer Account Number “1234567890123456”

The technician will obtain the following:

RTN: 680000093

Checking

DAN: O1234567890123456

The coding in POS will reflect:

DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 680000093

ACCOUNT TYPE (C/S): C

DEPOSITOR ACCOUNT NUMBER: O1234567890123456

CANCEL DIRECT DEPOSIT (Y):

DIRECT EXPRESS (Y):

The MBR will reflect the following information:

RTN- 680000093 DAN- CO1234567890123456

GN 02402.418 Coding El Salvador Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding El Salvador bank data

This section describes how to code bank data for international direct deposit (IDD) of Title II benefits to a financial institution (FI) in El Salvador. The Social Security Administration (SSA) stores IDD bank data on the MBR in the same fields used for United States (U.S.) direct deposit. Special coding identifies the data as an El Salvador direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in El Salvador to the beneficiary's local FI. NOTE: U.S. domestic (i.e., non-border) field offices (FOs) should not attempt to process an IDD request for this country. U.S. domestic FOs must forward all appropriate information to the Office of Earnings and International Operations, Division of International Operations (OEIO, DIO) for processing. For more detail on IDD requests and forwarding information, see to GN 02402.201, GN 02402.205, GN 01010.255, and GN 01702.310C.

B. How we receive IDD bank data

We receive requests to input bank data by mail, phone, or fax in the following formats:

  • Blank check

  • SSA-1199-OP97 International Direct Deposit Signup Form for El Salvador

  • Any document containing required banking information.

NOTE: If upon receipt of the information, there are any discrepancies, follow instructions in GN 00203.020 and GN 02402.025

C. Multi-country contract

The processing FI in El Salvador has a prefix of 72 at the beginning of the Routing and Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “D” assigned for El Salvador.

D. Overview of IDD for El Salvador

The beneficiary must provide complete information to DIO or the Federal Benefits Unit (FBU) for input. DIO will fax incomplete forms to the FBU that serves El Salvador. The FBU contacts the beneficiary or FI for additional information.

E. Description of IDD Bank Data for El Salvador

The data for coding IDD for El Salvador comes from the International Bank Account Number (IBAN) provided to the beneficiary by his or her FI. The full length of the IBAN for El Salvador consists of 28 characters.

F. Policy to code bank data for El Salvador

The FRBKC relies on SSA to provide the complete bank data to ensure correct posting of payments to a customer’s account. If the information is incomplete, the FRBKC rejects the payment and returns the funds to SSA. When establishing or changing IDD bank data for El Salvador, you can use an SSA system (i.e., Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE), etc.). However, you must go to ITS.gov to enter the following information:

  • account ownership;

  • account number

  • account type;

  • beneficiary address

  • country;

  • enrollment status;

  • first and last name of the beneficiary;

  • IBAN

  • payee indicator;

  • reclamation country

  • Society for Worldwide Internet Financial Telecommunication-Business Identifier Code (SWIFT-BIC).

1. SWIFT-BIC code obtained from the FI

The SWIFT code contains a minimum of 8 characters and a maximum of 11 characters:

  • First four characters - bank code (only letters);

  • Next two characters - ISO 3166-1 alpha-two country code (only letters);

  • Next two characters - location code (letters and digits) (passive participant have "1" in the second character); and

  • Last three characters - branch code, optional ('XXX' for primary office) (letters and digits).

2. Initial award processing

If you are working on an initial award, you must update ITS.gov using the bank account information prior to processing the award to ensure that the beneficiary receives his or her payment. If the complete bank account information is not in ITS.gov when the payment processes, the payment rejects and returns to SSA.

3. Adding or updating bank data using SSA systems

You must update ITS.gov on the same day if you use an SSA system to add or update bank data on the MBR (i.e. Post Entitlement Online System (POS), MACADE, etc.). Enter all POS direct deposit changes according to normal procedures. When coding IDD bank data in an SSA system for El Salvador within four business days of the current operational month (COM) cutoff date, use the procedure outlined in the following chart:

STEP ACTION

1

 

Are you coding an initial claim?

If yes, go to step 3.

If no, go to step 2.

2

Is the beneficiary's address on the MBR in a foreign country (PCOC = 8)?

If no, STOP.

REASON: The MBR does not accept the IDD information unless the address is in a foreign country.

If yes, go to step 3.

3

Is the beneficiary's account a USD in El Salvador?

If no, STOP.

REASON: Beneficiaries in El Salvador can only receive IDD payments in USD accounts.

 

If yes, go to step 4

4 The RTN is 720000050 for all IDD to El Salvador. SSA and FRBKC have designated “72” as the multi-country prefix for El Salvador IDD. The “0” at the end of the RTN represents the U.S. check digit code for all IDD accounts in El Salvador. Therefore, there is no need to obtain the check digit code from Title II Interactive Comps.
5 Code the Type of Account as an “S” for savings or a “C” for checking. If no indicated account type, use a “C” for checking account.
6

To code the Depositor Account Number (DAN) for El Salvador, code as follows:

  • Start with a country code of “D” designated for El Salvador

  • Code up to 16 characters of the 20-digit Customer Account Number.

NOTE: The full Customer Account Number can contain up to 20 characters, see step 7.

7

You must take action on the same business day to enter the full Customer Account Number and full SWIFT and IBAN into ITS.gov along with the information listed in the introduction of GN 02402.418F in this section.

If you do not have access to ITS.gov, ask a co-worker who has access to update the required information into ITS.gov. FRBKC will need all of this information in order to process the IDD payment. When this information is not available, FRBKC will reject the payment and return it to SSA.

G. Example for coding bank data for El Salvador

The customer provides us with a signup form for El Salvador containing the following information: SV62CENR00000000000000700025

The first two characters of a El Salvador IBAN are “SV,” which represents the International Organization for Standardization (ISO) country code and the third and fourth characters of the IBAN are the IBAN check digits. The technicians should never code the IBAN ISO country code or the check digit to the MBR. The next 4 characters of the IBAN represent the 4-digit bank code. The last 20 characters represent the 20-digit account number.

1. Derive the RTN

Enter the information for the RTN.

  • Code the RTN of 720000050

  • Code the type of account as a “C” for checking or an “S” for savings. If no account type indicated, use a “C” for checking

2. Derive the DAN

Enter the information for the RTN.

  • Code the letter “ D ” designated for El Salvador

  • Code 16 digits of the 20-digit account number “ 0000000000000070 ”

  • Coding in ITS.gov will reflect:

The technician will obtain the following:

IBAN:SV62CENR00000000000000700025

RTN: 720000050 Checking

DAN: D0000000000000070

The coding in an SSA System will reflect:

DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 720000050

ACCOUNT TYPE (C/S):C

DEPOSITOR ACCOUNT NUMBER: D0000000000000070

CANCEL DIRECT DEPOSIT (Y):

DIRECT EXPRESS (Y):

The MBR will reflect the following information:

RTN- 720000050 DAN- D0000000000000070


GN 02402 TN 115 - Direct Deposit - Title II and Title XVI - 10/25/2018