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Friday, January 24, 2014

SBA Region 4 News to Share

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January 2014

SBA Region 4 News to Share

Brought to you by the U.S. Small Business Administration's Region IV Office

Cassius Butts

 

Cassius Butts

Regional Administrator

U.S. Small Business Administration


SBA Makes Lending Affordable

Small Businesses in the Southeast (8 states) have saved nearly $530,000 in fees since the SBA announced a new policy for FY 2014 setting fees on SBA 7(a) loans for $150,000 and under to zero ($0).

Last year, the SBA determined to eliminate fees on loans of $150,000 or less after conducting a review of the 7(a) Loan Program. As a result, a small business owner obtaining a $150,000 loan can save more than $2,500 in fees that previously would have been charged. The 7(a) Loan Program is the SBA's primary program to help start-up and existing small businesses obtain financing when they might not be eligible for business loans through normal lending channels. SBA is also reaching into underserved communities to assure that all small businesses have the access they need to lending.

In addition to this, an SBA fee reduction to zero ($0) for all veteran loans authorized under the SBA Express program up to $350,000 went into effect on January 1, 2014 under a new program called SBA Veterans Advantage.  This program is expected to yield significant savings for veterans looking to start or grow a business. Of all SBA loans that go to veterans, 73 percent are $350,000 and below. 

These two initiatives are in place through the end of the current fiscal year, September 30, 2014.  To learn more visit www.sba.gov or contact one of SBA's district offices.

map
Advocacy

Advocacy Notice on Crowdfunding

The Office of Advocacy (Advocacy) offers the following comment to the Securities and Exchange Commission (SEC) in response to the above-referenced proposed rule issued on October 23, 2013. The SEC issued the proposed rule to implement Title III of the JOBS Act, which established the foundation for a regulatory structure for startups and small businesses to raise capital through securities offerings using the Internet through crowdfunding.  On December 16, 2013 and January 15, 2014, Advocacy hosted small business roundtables to receive feedback from small business representatives about the proposed rule.  Advocacy also hosted several conference calls to hear input from small business. Based upon this feedback from small business stakeholders, Advocacy is concerned that the Initial Regulatory Flexibility Analysis (IRFA) contained in the proposed rule lacks essential information required under the Regulatory Flexibility Act (RFA).   Specifically, the IRFA does not adequately describe the costs of the proposed rule on small entities, and the IRFA does not set forth significant alternatives which accomplish the stated SEC objectives and which minimize the significant economic impact of the proposal on small entities.  For this reason, Advocacy recommends that the SEC republish for public comment a Supplemental IRFA before proceeding with this rulemaking.  Advocacy also believes that the SEC should take into consideration small business representatives' suggested alternatives to minimize the proposed rule's potential impact.

The full comment letter can be found here: http://www.sba.gov/advocacy/816/789271


What is Happening in Your Small Business Community?


Tom Todt

Alabama

Tom Todt, SBA District Director

The Alabama District Office recently completed two Affordable Care Act (ACA) 101 briefings, one for members of the Decatur-Morgan County Chamber of Commerce. About 45 members showed up for Breakfast & Biz Jan 10 to learn about ACA provisions. On Jan 14, almost a dozen child care Center Directors from the Birmingham Directors Network attended a lunchtime briefing at Childcare Resources, a United Way agency, as well. Alabama District Director, Tom Todt provided the briefings. To learn more about future events, please visit www.sba.gov/AL.


Wilfredo Gonzalez

Florida- North

Wilfredo J. Gonzalez, SBA District Director

The North Florida District Office will host a webinar on the Surety Bond Guarantee Prior Approval Program on Monday, January 27, 2014 at 11:00am. The purpose of the webinar is to inform small business owners on how to get bonded. The following topics will be covered during the course of the webinar:

Contract Bonds

What they are and Why they are Required

How to Get Pre-Qualified

Working Capital & Bank Support

SBA's Surety Bond Guarantee Program

Program Eligibility

Required Information

Application Process & Fees

Pre-registration is not required. Participants may access the training at https://connect16.uc.att.com/sba/meet/?ExEventID=87462470.  

A call in number will be provided to connect your phone once the web login has been initialized. Please contact Thaddeus Hammond at (904) 443-1900 with any questions about the webinar.


Francisco Marrero

Florida- South

Francisco "Pancho" Marrero, SBA District Director

South Florida District Office (SFDO) bids farewell to Evangeline Horner who retired earlier this month  after more than 40 years of federal service.  With the exception of one year with the Veterans Administration, Eve's entire career has been with the SFDO. During her SBA career, Eve was employed in several divisions, including Administration, Portfolio Management Division (PMD), Management Assistance, Marketing & Outreach Division and 8(a) Business Development. Eve also served as the SBA's South Florida District Office Native American Affairs Representative.  Eve said she intends to travel on one of the many cruise ships that can be seen from the SFDO offices--something she has never done.

SFDO is also making preparations to host its first Emerging Leaders class this April.  Office staff are busy working the logistics between the contractor and our resource partners. 

Finally, SFDO is happy to welcome a new Small Business Development Center (SBDC) to its resource network.  Florida International University is now hosting an SBDC in their College of Business facility in downtown Miami.  This new resource was long awaited and greatly welcomed in what is arguably the most important business center in south Florida. 


Terri Denison

Georgia

Terri Denison, SBA District Director

The Georgia District office has released its small businesses training plan for 2014.  The monthly schedule includes an Overview of SBA Programs and Services, a workshop on Women and Veterans Federal Contracting Programs, and an Overview of 8(a) and HUBZone Business Development Programs.  Additionally, an 8(a) Certification Step by Step workshop will be offered quarterly to assist firms applying for 8(a) certification.  Also offered will be an 8(a) Marketing Next Steps program to assist newly certified 8(a) with their skills marketing to federal agencies.  An Access to Capital workshop that explores various options for business financing will round out the quarterly offerings.  In addition to the reoccurring classes, special industry focused or topic specific classes will be offered annually and semiannually.  Topics will include Communication Strategies for Small Businesses, Starting a Restaurant and Food Service Business, Starting  a Day Care Business, Understanding the SAM, Doing Business With the Federal Government, the Affordable Care Act as well as a variety of other subjects.  Most classes are held at the Georgia District Office, 233 Peachtree Street, NE Suite 1900, Atlanta. All classes offered by the Georgia District are at no charge. Times and dates for classes outside Atlanta Metro will be announced at a later date.   

In addition, SCORE Atlanta conducts its Simple Steps Series at the district office. Simple Steps is a five part series that covers the basics of business startup.  Module One of Simple Steps is free; there is a fee for the remaining modules.  SCORE also offers a reoccurring class on exporting in conjunction with the Georgia Small Business Development Center.    

For more information and to register for classes, click here SBA CLASSES IN GEORGIA


Ralph Ross

Kentucky

Ralph Ross, SBA District Director

SBA Participates in Diversity and Inclusion Conference

The SBA Kentucky District Office will be participating in the annual Diversity & Inclusion Conference and Expo in April 2014, along with One Southern Indiana Chamber of Commerce and the SBDC.  This all-day event, held annually for over a decade in the Louisville metro area, has focused on creating opportunities for small businesses seeking federal and state government as well as corporate contact opportunities.  The conference includes a trade show, matchmaking event and educational sessions for small business owners.   

Exhibitors can showcase their products and services to WBE, MBE, DBE and veteran-owned business attendees as well as representatives from large corporations.  The Matchmaker Program was created to connect certified WBE's, MBE's, DBE's and veteran-owned small businesses with corporate and government purchasing agents.

In order to prepare small businesses for these contracting opportunities, the SBA Kentucky District Office will also be participating in a pre-conference workshop, entitled "Getting Certified," on February 19 from 1:00 – 6:00 p.  This workshop will provide minority, women, disabled and veteran owned small businesses with the information necessary to get certified, and topics covered in the session include certification for 8(a), state WBE and veteran programs as well as the SAM (formerly CCR) database.  Mr. Robert Coffey will represent the Kentucky District Office at both the pre-conference workshop and the Diversity and Inclusion Conference.


Janita Stewart

Mississippi

Janita Stewart, SBA District Director

New Women's Business Center  -SBA Mississippi is proud to announce the new Women's Business Center in Gulfport, MS.  The new center will deliver high quality service focused on women entrepreneurs.  Women's Business Centers (WBCs) represent a national network of nearly 100 educational centers throughout the United States and its territories, which are designed to assist women in starting and growing small businesses. WBCs seek to "level the playing field" for women entrepreneurs, who still face unique obstacles in the business world.

CLIMB Community Development Center

Women's Business Center

Cindy Ward, Project Director

1316 30th Avenue

Gulfport, MS  39501

(228) 864-6677

www.climbcdc.org

SBA Approves Gulf Coast Renaissance Corporation for Community Advantage Loan Program

The Mississippi SBA has approved Gulf Coast Renaissance Corporation (GCRC) as a lender in the Community Advantage Loan program. "We're excited about GCRC's participation in the Community Advantage loan program.  This will provide the much needed financing to small businesses in underserved communities in Mississippi to help in their development and growth," said Janita R. Stewart, District Director of the SBA in Mississippi. Community Advantage offers a streamlined application process for SBA-guaranteed 7(a) loans up to $250,000. Advantage loans also come with the regular 7(a) government guarantee, 85 percent for loans up to $150,000 and 75 percent for those greater than $150,000. Read more about the Community Advantage program at http://www.sba.gov/advantage.


Lynn Douthett

North Carolina

Lynn Douthett, SBA District Director

North Carolina kicked off the Boots 2 Business (B2B) at Ft. Bragg on January 23, 2013.  Forty-three marines participated in the inaugural training.  Since then, B2B has expanded to Seymour Johnson Air Force Base and Camp Lejeune resulting in 29 workshops to 472 active military personnel in attendance. This training would not have been possible without the tremendous assistance of our resource providers –   the NC Small Business & Technology Development Center, Women's Business Center of North Carolina (Durham), NC CEED Women's Business Center (Fayetteville), Fayetteville Veteran Business Outreach Center, and the Small Business Centers at Fayetteville Tech Community College, Wayne Community College and Coastal Carolina Community College.    Beginning in 2014, Marine Corps Air Station Cherry Point will begin offering B2B to their transitioning troops.

B2B

Elliott Cooper

South Carolina

Elliott Cooper, SBA District Director

The deadline may have passed for some of the 2014 SBA award nominations, but our office is still accepting nominations for the 2014 South Carolina Small Business & Advocacy Awards!

Categories include:

· The SOHO Award: (15 or fewer employees)

· Family Business of the Year

· Young Entrepreneur of the Year (under 30)

· Veteran Entrepreneur of the Year

· Minority Entrepreneurship Advocate of the Year

· Women in Business Advocate of the Year

·Small Business Financing Advocate of the Year

· Small Business Ally of the Year ( non-profits)

Nominations for the South Carolina Small Business & Advocacy Awards are due by Friday, January 31. To access the nomination forms for each award, visit www.sba.gov/content/2013-south-carolina-small-business-advocacy-awards.  The complete nomination guidelines and submission instructions are available at http://1.usa.gov/JwFBhU.  For more information, contact Anna Huntley at anna.huntley@sba.gov.

Upcoming Webinars 

 USASpending.gov: A Tool for Contractors: Wednesday, January 22, 2:00-2:45. To register, email Michael Corp at michael.corp@sba.gov.

 FedBizOpps Website Overview: Wednesday, January 29, 2:00-2:45. To register, email Michael Corp at michael.corp@sba.gov.

For a complete listing of South Carolina District Office events, check out the calendar at www.sba.gov/sc.


Walter Perry

Tennessee

Walter Perry, SBA District Director

  The Tennessee District is off to a busy start in 2014.  In Government Contracting, an outreach session was held on January 16th in Chattanooga attracting 60 small business owners desiring to do business with federal agencies through SBA's 8(a) Business Development Program.  Training sessions on SBA's guaranteed loan programs are being conducted in Memphis and Knoxville the week of January 20th, as SBA lenders are eager to learn about fee waivers for SBA loans of up to $350,000 for Veteran business owners.  SBA will be exhibiting at the January 28th Tennessee Veterans Business Association conference in Knoxville highlighting support to those seeking to take their military skills into the world of small business ownership. The TN DO continues outreach activities related to the Affordable Care Act, with upcoming radio appearances and meetings with ACA Navigators covering the entire state.  Wherever there is a need in the Volunteer State, SBA in Tennessee is ready to support the needs of small business owners as they seek counseling, training, loans and federal contracting opportunities.  

National Small Business Week May 12-16, 2014

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Monday, January 20, 2014

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Thursday, December 19, 2013

SBA Region 4 News To Share

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December 2013

SBA Region IV News to Share

Brought to you by the U.S. Small Business Administration's Region IV Office

Cassius Butts

Cassius Butts

Regional Administrator

U.S. Small Business Administration

2014- This Year is YOUR Year

It is time to think through your small business priorities for the upcoming new year. 2014 is sure to be an amazing year for small business, job creation and a strong American economy. The SBA has supported $4.8 billion in loans nationally and $625 million in loans in the Southeast so far in the first quarter of fiscal year 2014 (since October 1st, 2013 to December 13, 2013). I often say that numbers speak for themselves. I would say that FY 2014 is looking great for small businesses for 2014.

In addition to backing loans, the SBA prides itself on connecting with the small business communities across the United States and we are continuously making strong connections throughout the Southeastern Region. We share our news and new opportunities through many avenues.  One method is by sending this monthly newsletter out to over 175,000 subscribers. Another way we communicate with our communities is that we have partnered with Cities, Institutes of higher education, contracting organizations and Chambers throughout the Southeast through Strategic Alliance Memorandums. Our district offices, resource partners and government agency partners are instrumental in continuing to build these partnerships across communities. We thank our resource partners such as SCORE, the Small Business Development Centers and Women's Business Centers as well as our local, state and federal partners for assisting us to build our nations backbone; the small business community.

We are working diligently with resource partners to share the latest opportunities available to small businesses through the Affordable Care Act. Our district offices are delivering updated news on the ACA through webinars, speeches, panels, etc. Please be sure to check your local SBA Calendar of Events for upcoming ACA events. www.sba.gov.

We are reaching out to our lenders consistently to be sure they have the tools they need from SBA to succeed. We recently held a regional conference call with several SBA lenders who have agreed to sign on to the Veteran's Pledge Initiative. These lending institutions have committed to increasing their lending to veterans by 5 percent for the next five years.

We have reached out consistently to the 8(a) government contracting communities empowering the 8(a) firms to market themselves to the best of their ability in order to secure federal contracts. I have addressed the National Minority Supplier Diversity Council to stress the importance of utilizing small businesses to succeed in the national marketplace.

With all of this said, 2013 has been a spectacular year for small business and we are just getting started. 2014 is sure to be the best year yet in terms of the SBA's 3 C's: Counseling, Capital, and Contracting. We look forward to embracing existing relationships and look forward to building new relationships in 2014!  Happy New Year!

Congratulations to the Following SBA Staff Who Are Dedicated to Federal Service:

Rosalind Bryant, Lender Relations Specialist, SBA North Florida District Office- 25 Years on December 18!

Raymond Hembree, Deputy District Director, SBA Alabama District Office, celebrated 40 years of government service on November 27.

Elaine Dunlap, Business Opportunity Specialist & Administrative Officer, SBA Alabama District Office, is retiring December 31 after 34 years of service.

Donna Padgug, Economic Development Specialist, SBA North Florida District Office, has celebrated 30 years of federal service!

Veronica Wallace, Lead Lender Relations Specialist, SBA North Florida District Office celebrates 45 years of federal service.

Mike O'Neill, Lead Business Opportunity Specialist, SBA South Carolina District Office is retiring January 10th after 24 years with the SBA/Federal service.


Advocacy Logo

 The SBA's Office of Advocacy has released a recent report: An Analysis of Internet Sales Taxation and the Small Seller Exemption .  Please find this treport by clicking HERE.


Find Out What is Happening In YOUR Area!

Tom Todt

SBA Alabama District Office

Tom Todt, District Director

Raymond Hembree, Deputy District Director, celebrated 40 years of government service on November 27. District Director Tom Todt presented the certificate in recognition of 40 years' service to Mr. Hembree at the District office.

Elaine Dunlap, BOS/AO, is retiring December 31 after 34 years of service. We will miss her dedication and service to the Alabama District.

Raymond Hembree

District Director Todt (left) honoring Deputy District Director Raymond Hembree (right)

A big farewell and thank you to Elaine Dunlap, Business Opportunity Specialist and Administrative Officer for the SBA Alabama District Office

Elaine Dunlap

Wilfredo Gonzalez

SBA North Florida District Office

Wilfredo J. Gonzalez, District Director

The North Florida District Office hosted a workshop on the Affordable Healthcare Act (ACA) on December 10, 2013. The workshop was designed to provide information to small business owners on the impact of the ACA and to answer business owners' questions. Participants learned about the Small Business Health Options Program (SHOP) and about other aspects of the ACA that is of interest to small business owners. Future events and workshops are currently being developed, and will be announced in the new year. Please visit www.sba.gov/fl/north.  


Pancho Marrero

SBA South Florida District Office

Francisco "Pancho" Marrero, District Director

South Florida District Office is busy this holiday season inspiring and educating business owners and entrepreneurs throughout south Florida.  Three Affordable Care Act presentations reached more than 125 small business owners.  The Miami District held a training session in both the Miami and Tampa offices.  More than 90 other small business owners joined an online webinar that explained the new law. 

Transitioning military personnel who are considering small business ownership following their uniformed service received the two-day "Boots to Business" curriculum at SFDO's three military installations:  MacDill AFB, Peterson AFB and NAS Key West.  The three sessions were attended by more than 50 military personnel and spouses.

Finally, SFDOs efforts for a statewide SAM with the Florida Association of Minority Business Enterprise Officials (FAMBEO) were achieved on Nov. 21, when FAMBEO President Pamela Hart Frazier and SBA Region Administrator Cassius Butts signed the alliance.   

While visions of sugar plums are dancing in the heads of many this month, SFDO is busy preparing for "Access Miami:  Gateway to International Trade in the Americas."  This day-long export trade event is scheduled for Jan. 14 at Miami's Jungle Island and in partnership with the City of Miami, Miami SCORE chapter, CITI Bank, and Espirito Santo Bank.


Terri Denison

SBA Georgia District Office

Terri Denison, District Director

After nearly 44 years of loyal, dedicated Federal Service at the SBA, Ms. Carolyn W. Griffin, the manager of the Georgia District Office's 8(a) business development program, will retire effective December 31.  The GADO 8a portfolio is among the largest in the agency.  Ms. Griffin, a Georgia native, grew up in New Jersey where she got her start with the SBA as a temp working in Disaster before she transferred in to the GADO 8a business development section in 1987.  "After considering my personal goals and my continuing journey as an individual, I believe that I have made the right decision and at the right time.  I am excited and looking forward to my new life of leisure, but of course, I am a little saddened by the thought of not seeing all of you in future days to come.  You have all, individually, and as a whole, been an inspiration to me, and I have learned things from all of you, and will take with me the fondest of memories of my time within the SBA.   "I will forever be grateful to the SBA for having given me one of the greatest opportunities of my life – to help GA small businesses develop, grow and prosper through the 8(a) Business Development Program.  Though it is a time for me to move on, it is an opportune time for someone else to lead the 8(a) Team to greater heights, as it is time to for me to take myself to greater heights as an individual" said Ms. Griffin. 

Ms. Carolyn Griffin waves goodbye after more than four decades of dedicated service to the small business community. 

 Photo by:  Mark D. Gibson

Carolyn Griffin

Ralph Ross

SBA Kentucky District Office

Ralph Ross, District Director

The SBA Kentucky District Office, in conjunction with AARP, the Louisville Free Public Library and SCORE, held an Encore Entrepreneur event, targeted those who want to explore entrepreneurship, at the Main Branch of the Louisville Free Public Library on December 13. 

This program is part of a larger effort by AARP and SBA to provide a range of resources to more than 100,000 entrepreneurs and small business owners over the age of 50.  With one in four individuals ages 44 to 70 interested in becoming entrepreneurs, and 63 percent of Americans planning to work during retirement, small business ownership is a good option.  Small business owners with long-term counselors see bigger sales, hire more workers and are more successful.

 The Kentucky District Office provided an overview of SBA programs, including loan programs, no-cost counseling services and contracting opportunities available to small business owners.  The public library staff discussed free software for entrepreneurs on website and phone app development as well as market research resources and assistance available through the library.  AARP staff examined programs and services for small business owners, and SCORE offered "speed mentoring" sessions to all attendees to fast-track business ideas and connect to SBA's resource partner counselors in the region.  


Janita Stewart

SBA Mississippi District Office

Janita Stewart, District Director

On Wednesday, December 11th the SBA Mississippi District Office hosted an ACA Resource Fair in a joint effort partnered with various resources and healthcare organizations to help get the word out to small businesses about this new law.  There were nearly 50 people in attendance. This event offered a unique educational experience for small business owners to hear from healthcare officials, state and federal entities charged with informing the public of best practices, tools and resources in utilizing the new healthcare law. 

Participants included the Office of the State Insurance Commissioner; University of Mississippi Medical Center; Humana; Magnolia Health Plan; Health Help Mississippi and the Jackson State University Small Business Development Center.

AARP Event MS

Lynn Douthett

SBA North Carolina District Office

Lynn Douthett, District Director

The North Carolina Bankers Association hosted the 2013 North Carolina SBA Lenders Award Luncheon in Charlotte at the Hilton University Place on Tuesday December 3, 2013. The top SBA Lenders in North Carolina were honored. Over 30 lending institutions were represented. The day started with a training session for lenders on the new SOP changes and details of the fee eliminations effective for 2014.

Thanks to all the lenders for all their participation and congratulations to the winners!

For a  complete listing SBA lenders in North Carolina, please visit HERE.


Elliott Cooper

SBA South Carolina District Office

Elliott Cooper, District Director

The South Carolina District Office announces four new small business and advocacy awards for 2014:

The SOHO (Small Office/Home Office) Award (for South Carolina businesses with 15 or fewer employees) 

 Veteran Entrepreneur of the Year

Small Business Financing Advocate of the Year

Small Business Ally of the Year (for non-profit organizations)

Other categories include the SBA's Small Business Person and Small Business Exporter of the Year awards and South Carolina's own Family Business of the Year, Young Entrepreneur of the Year (under 30 years-old), Minority Entrepreneurship Advocate of the Year, and Women in Business Advocate of the Year awards.  For the full list of small business and advocacy awards, see http://1.usa.gov/1cldr0A.  Deadlines range from January 17 to January 31, 2014. 

All South Carolina award winners will be honored at the 2014 Salute to Small Business, scheduled for Wednesday, May 7, in Columbia during the week leading up to National Small Business Week May 12-16.

For more information, contact Anna Huntley at anna.huntley@sba.gov.

A Big Farewell! Mike O'Neill, Lead Business Opportunity Specialist for the South Carolina District Office, will be retiring on January 10 after nearly 24 years with the SBA. Since April 2008, Mike has managed the SBA's 8(a) Business Development Program in South Carolina, where he has helped socially and economically disadvantaged small business owners increase their viability and competitiveness.

Prior to joining the South Carolina District Office, Mike was a Business Opportunity Specialist in the Virginia District Office for seven years. From 1995 to 2001, he was the Assistant District Director for 8(a) Business Development in the Hawaii District Office. Earlier in his SBA career, Mike served as both a Loan Specialist and Business Opportunity Specialist for the Washington, D.C. and New Mexico district offices and briefly served as a financial analyst for the 504 Loan Program at SBA Headquarters.

Before his government service, Mike was President and CEO of the United Services Bank of Eastern Oklahoma. An Oklahoma native, Mike is a graduate of Central State College and of the Memphis State University School of Banking. 


Walter Perry

SBA Tennessee District Office

Walter Perry, District Director

The Tennessee District signed a Strategic Alliance Memorandum with American Baptist College (ABC) in Nashville on December 6 enabling SBA and this Historically Black College & University (HBCU) to partner in areas of mutual interest to the college and small business community.  The agreement, signed by ABC President Dr. Forrest E. Harris, Sr. and SBA District Director Walter Perry, will enable SBA to interact with faculty and students in areas such as entrepreneurship and business planning to strengthen and expand small business development in the Nashville area.  The signing was attended by U.S. Congressman Jim Cooper of Tennessee's Fifth Congressional District, who played a key role in supporting American Baptist in its application to attain HBCU status which was granted earlier this year.

The Tennessee District staff held workshops recently in Chattanooga and Cleveland on the Affordable Care Act along with upcoming webinars on December 17 and 19 to advocate opportunities for small business employers to provide health insurance.  Also, District staff appeared on WFSK-FM radio in Nashville to highlight provisions of the ACA.  Additional workshops held recently in the District include a December 13 training on quality assurance for 8(a) government contractors and a  Boots to Business training on starting a small business for personnel soon to be completing military service at the Naval Support Activity in Millington, Tennessee on December 10-11.  

UPCOMING EVENTS ACROSS THE REGION

Calendar 3

Find events in your area!


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