CONSUMER CREDIT  
CARD AGREEMENT  
AND DISCLOSURE
PP Creation Date CU Contract No. CU Name Sales Order No. Stock No.  Flat Size Finish Size Initials
06/02/21 010-0003-8 Atlanta Postal CU 175864 MXC323_HR Electronic  21 x 8.5 3.5 x 8.5 KC
This Consumer Credit Card Agreement and Disclosure 
together with the Account Opening Disclosure and any other 
Account opening documents or any subsequent documents 
provided to You related to this Account (hereinafter 
collectively referred to as �Agreement�) govern the terms 
and conditions of this Account. �We,� �Us,� �Our� and �Ours� 
and �Credit Union� refers to Atlanta Postal Credit Union with 
which this Agreement is made. �You,� �Your,� and �Yours� 
refers to each applicant and co-applicant for the Account; 
any person responsible for paying the Account; and anyone 
You authorize to use, access or service the Account. �Card� 
means the Visa � credit card and any other access devices, 
duplicates, renewals, or substitutions, including convenience 
checks, the Credit Union issues to You. �Account� means 
the line of credit established by this Agreement and includes 
Your Card.
SECURITY INTEREST
You grant the Credit Union a security interest under 
the Uniform Commercial Code and under any common 
law rights the Credit Union may have in any goods You 
purchase.
If You give the Credit Union a specific pledge of shares by 
signing a separate pledge of shares, Your pledged shares 
will secure Your Account. You may not withdraw amounts 
that have been specifically pledged to secure Your Account 
until the Credit Union agrees to release all or part of the 
pledged amount.
You grant Us a security interest in all individual and joint 
share and/or deposit accounts You have with Us now and 
in the future to secure Your credit card Account. Shares 
and deposits in an IRA or any other account that would 
lose special tax treatment under state or federal law if 
given as security are not subject to the security interest 
You have given in Your shares and deposits. You may 
withdraw these other shares unless You are in default. 
When You are in default, You authorize Us to apply the 
balance in these accounts to any amounts due. For 
example, if You have an unpaid credit card balance, You VISA 
� CUNA M utual  Group 1991, 2006, 09,  
10, 12, 14, 16 All Rights Reserved
56793-31-1 Page 1 (continued)20. APPLICABLE LAW �  The terms and enforcement of this 
Agreement shall be governed by federal law and the law of 
Georgia.
21. ENFORCING THIS AGREEMENT �  We can delay in 
enforcing or fail to enforce any of Our rights under this 
Agreement without losing them.
22. COLLECTION COSTS �  If We refer collection of Your 
Account to a lawyer who is not Our salaried employee, You 
are liable for any reasonable attorney�s fees We incur, plus the 
costs and expenses of any legal action, as further disclosed 
on this Agreement, or to the extent allowed by law.
23. ASSIGNMENT �  We may assign any or all of Our rights 
and obligations under this Agreement to a third party.
24. CALIFORNIA RESIDENTS � A married applicant may 
apply for a separate Account. Applicants: 1) may, after credit 
approval, use the credit card Account up to its credit limit; 
2) may be liable for amounts extended under the plan to any 
joint applicant. As required by law, You are hereby notified 
that a negative credit report reflecting on Your credit record 
may be submitted to a credit reporting agency if You fail to 
fulfill the terms of Your credit obligations. 
25. FLORIDA RESIDENTS � You (borrower) agree that, 
should We obtain a judgment against You, a portion of 
Your disposable earnings may be attached or garnished 
(paid to Us by Your employer), as provided by Florida and 
Federal law.
26. MARYLAND RESIDENTS �  To the extent, if any, that 
Maryland law applies to Your Account, We elect to offer Your 
Card Account pursuant to Title 12, Subtitle 9 of the Maryland 
Commercial Law Article.
27. MISSOURI RESIDENTS � Oral Agreements or 
commitments to loan money, extend credit or to forbear 
from enforcing repayment of a debt including promises to 
extend or renew such debt are not enforceable. To protect 
You (borrower(s)) and Us (creditor) from misunderstanding 
or disappointment, any Agreements We reach covering 
such matters are contained in this writing, which is 
the complete and exclusive statement of the Agreement 
between Us, except as We may later agree in writing to 
modify it. 
28. NEW YORK RESIDENTS �  We may obtain a credit report 
in connection with this Account, including for any review, 
modification, renewal or collections associated with this 
Account. Upon Your request, You will be informed whether 
such report was requested and, if so, the name and address 
of the consumer reporting agency furnishing the report.  
New York residents may contact the New York State 
Department of Financial Institutions at 800.342.3736 or 
www.dfs.ny.gov to obtain a comparative listing of credit card 
rates, fees and grace periods. 29. OHIO RESIDENTS �  The Ohio laws against discrimination 
require that all creditors make credit equally available to all 
creditworthy customers and that credit reporting agencies 
maintain separate credit histories on each individual upon 
request. The Ohio Civil Rights Commission administers 
compliance with this law.
30. SOUTH DAKOTA RESIDENTS �  If You believe there have 
been any improprieties in making this loan or in the lender�s 
loan practices, You may contact the South Dakota Division of 
Banking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, 
or by phone at 605.773.3421.
31. WISCONSIN RESIDENTS �  If You are married, please 
contact Us immediately upon receipt of this Agreement at 
the address or phone number listed on this Agreement and 
provide Us with the name and address of Your spouse. We 
are required to inform Your spouse that We have opened an 
Account for You.
32. NOTICE TO UTAH BORROWERS �  This written 
Agreement is a final expression of the Agreement between 
You and the Credit Union. This written Agreement may not be 
contradicted by evidence of any oral Agreement. As required 
by law, You are hereby notified that a negative credit report 
reflecting on Your credit record may be submitted to a credit 
reporting agency if You fail to fulfill the terms of Your credit 
obligations.
33. THE FOLLOWING IS REQUIRED BY VERMONT LAW 
� NOTICE TO CO-SIGNER � YOUR SIGNATURE ON 
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR 
REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT 
PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM 
YOU.
Your Billing Rights: Keep this Document for Future Use
This notice tells You about Your rights and Our 
responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If You think there is an error on Your statement, write to Us 
at the address listed on Your statement.
In Your letter, give Us the following information:
- Account information: Your name and Account 
number.
- Dollar amount: The dollar amount of the suspected 
error.
- Description of problem: If You think there is an error 
on Your bill, describe what You believe is wrong and 
why You believe it is a mistake.
You must contact Us:
- Within 60 days after the error appeared on Your 
statement.
- At least three business days before an automated 
payment is scheduled, if You want to stop payment 
on the amount You think is wrong.You must notify Us of any potential errors in writing  or 
electronically. You may call Us, but if You do We are not 
required to investigate any potential errors and You may 
have to pay the amount in question.
What Will Happen After We Receive Your Letter
When We receive Your letter, We must do two things:
1. Within 30 days of receiving Your letter, We must tell 
You that We received Your letter. We will also tell You 
if We have already corrected the error.
2. Within 90 days of receiving Your letter, We must 
either correct the error or explain to You why We 
believe the bill is correct. 
While We investigate whether or not there has been an error:
- We cannot try to collect the amount in question, or 
report You as delinquent on that amount.
- The charge in question may remain on Your statement, 
and We may continue to charge You interest on that 
amount.
- While You do not have to pay the amount in question, 
You are responsible for the remainder of Your 
balance.
- We can apply any unpaid amount against Your credit 
limit. 
After We finish Our investigation, one of two things will 
happen:
- If We made a mistake: You will not have to pay 
the amount in question or any interest or other fees 
related to that amount.
- If We do not believe there was a mistake: You 
will have to pay the amount in question, along 
with applicable interest and fees. We will send 
You a statement of the amount You owe and the 
date payment is due. We may then report You as 
delinquent if You do not pay the amount We think 
You owe. 
If You receive Our explanation but still believe Your bill 
is wrong, You must write to Us within 10 days  telling Us 
that You still refuse to pay. If You do so, We cannot report 
You as delinquent without also reporting that You are 
questioning Your bill. We must tell You the name of anyone 
to whom We reported You as delinquent, and We must let 
those organizations know when the matter has been settled 
between Us.
If We do not follow all of the rules above, You do not have 
to pay the first $50 of the amount You question even if Your 
bill is correct.Your Rights if You Are Dissatisfied With Your Credit Card 
Purchases
If You are dissatisfied with the goods or services that You 
have purchased with Your credit card, and You have tried 
in good faith to correct the problem with the merchant, You 
may have the right not to pay the remaining amount due on 
the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in Your home 
state or within 100 miles of Your current mailing 
address, and the purchase price must have been 
more than $50. (Note: Neither of these are necessary 
if Your purchase was based on an advertisement We 
mailed to You, or if We own the company that sold 
You the goods or services.)
2. You must have used Your credit card for the purchase. 
Purchases made with cash advances from an ATM or 
with a check that accesses Your credit card Account 
do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and You are still dissatisfied 
with the purchase, contact Us in writing or electronically at 
the address listed on Your statement.
While We investigate, the same rules apply to the disputed 
amount as discussed above. After We finish Our investigation, 
We will tell You Our decision. At that point, if We think You 
owe an amount and You do not pay, We may report You as 
delinquent.
Page 8 (continued) Page 9 (continued) Page 10 (continued) Page 113900 Crown RoadAtlanta, GA 30380-0001(404) 768-4126 � (800) 849-8431Fax: (404) 669-2750E-mail: info@apcu.com
Website: www.apcu.com
01000038-  
MXC323-C-1-  
052021 PP Creation Date CU Contract No. CU Name Sales Order No. Stock No.  Flat Size Finish Size Initials
06/02/21 010-0003-8 Atlanta Postal CU 175864 MXC323_HR Electronic  21 x 8.5 3.5 x 8.5 KCagree We may use funds in Your account(s) to pay any or 
all of the unpaid balance.  
Unless otherwise prohibited by federal and/or state law, 
collateral securing other loans You have with the Credit 
Union may also secure this loan, except that a dwelling 
will never be considered as security for this Account, 
notwithstanding anything to the contrary in any other 
Agreement.
1. USING YOUR ACCOUNT �  By using the Account or 
keeping the Card, You agree to the terms of this Agreement. 
You agree to use Your Account in accordance with this 
Agreement. Your Account must only be used for lawful 
transactions.
2. CREDIT LIMIT �  We may establish a credit limit as part 
of this Agreement, which You promise not to exceed. If You 
exceed the credit limit, You promise to repay immediately the 
amount which exceeds the credit limit, including amounts 
due to finance charges, fees or other charges. You may 
request a credit limit increase on Your Account only by a 
method acceptable to the Credit Union. We may increase or 
decrease Your credit limit, refuse to make an advance and/or 
terminate Your Account at any time for any reason permitted 
by law.
3. CONVENIENCE CHECKS �  We may, from time to time, 
issue convenience checks to You that may be drawn on Your 
Account. Convenience checks may not be used to make a 
payment on Your Account. If You use a convenience check, 
it will be posted to Your Account as a cash advance. We 
reserve the right to refuse to pay a convenience check drawn 
on Your Account for any reason and such refusal shall not 
constitute wrongful dishonor. You may request that We stop 
the payment of a convenience check drawn on Your Account. 
You agree to pay any fee as identified in this Agreement 
imposed to stop a payment on a convenience check issued 
on Your Account. You may make a stop payment request 
orally, if permitted, or in writing. Your request must be made 
with sufficient time in advance of the presentment of the 
check for payment to give Us a reasonable opportunity to act 
on Your request. In addition, Your request must accurately 
describe the check including the exact Account number, the 
payee, any check number that may be applicable, and the 
exact amount of the check. If permitted, You may make a stop 
payment request orally but such a request will expire after 
14 days unless You confirm Your request in writing within 
that time. Written stop payment orders are effective only for 
six months and may be renewed for additional six month 
periods by requesting in writing that the stop payment order 
be renewed. We are not required to notify You when a stop 
payment order expires. 
If We re-credit Your Account after paying a check over a valid 
and timely stop payment order, You agree to sign a statement 
describing the dispute with the payee, to assign to Us all of 
Your rights against the payee or other holders of the check 
and to assist Us in any legal action. You agree to indemnify and hold Us harmless from all costs 
and expenses, including attorney�s fees, damages, or claims, 
related to Our honoring Your stop payment request or in 
failing to stop payment of an item as a result of incorrect 
information provided to Us or the giving of inadequate time 
to act upon a stop payment request. Note: A convenience 
check is not a check as that term is defined under the Uniform 
Commercial Code. It is an advance from Your credit card 
Account with Us and Your stop payment rights are provided 
under this Agreement with Us. 
4. REPAYMENT �  You promise to repay all amounts You 
owe under this Agreement. Your promise to repay includes 
all transactions made to Your Account by You or anyone You 
authorize to use Your Account as well as all interest charges 
and fees.
For each billing period, You must pay at least the Minimum 
Payment Due by the Payment Due Date.
The Minimum Payment Due is 2.00% of Your total New 
Balance, or $10.00, whichever is greater, plus any amount 
past due and any amount by which You have exceeded Your 
applicable credit limit. If Your total New Balance is less than 
$10.00, then Your Minimum Payment Due is the amount of 
the total New Balance. 
You may pay more frequently, pay more than the Minimum 
Payment Due or pay the total New Balance in full.
If You make extra or larger payments, You are still required 
to make at least the Minimum Payment Due each month Your 
Account has a balance (other than a credit balance). The 
Credit Union may delay replenishing Your credit limit until the 
date the payment is posted or the Credit Union confirms the 
payment has cleared. 
Your payment of the required Minimum Payment Due may be 
applied to what You owe the Credit Union in any manner the 
Credit Union chooses, as permitted by applicable law. If You 
make a payment in excess of the required Minimum Payment 
Due, the Credit Union will allocate the excess amount first 
to the balance with the highest annual percentage rate 
(�APR�) and any remaining portion to the other balances in 
descending order based on applicable APR, unless otherwise 
prescribed by applicable law. We may accept checks marked 
�payment in full� or with words of similar effect without 
losing any of Our rights to collect the full balance of Your 
Account with Us. 
5. INTEREST AND FINANCE CHARGES �  We will begin 
charging You interest on purchases on the date the 
transaction is posted to Your Account. We will begin charging 
You interest on cash advances and balance transfers on the 
date of the transaction or the first day of the billing cycle in 
which the transaction is posted to Your Account, whichever 
is later (transaction date). However, We will not charge You 
any interest on new purchases if Your Account had a zero 
or credit balance at the beginning of that billing cycle, or 
You paid the entire new balance on the previous cycle�s 
billing statement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of 
purchases, You must pay the entire new balance on the 
billing statement by the Payment Due Date of that statement.
How We Calculate Your Balance:
Interest charges on Your Account are calculated separately 
for purchases, balance transfers and cash advances 
(�Transaction Type�). We figure the interest charge for 
each Transaction Type by applying the periodic rate to each 
corresponding �average daily balance.� To get the �average 
daily balance� for a Transaction Type We take the beginning 
balance for that Transaction Type each day, add any new 
transactions of that type, and subtract any unpaid interest 
or other finance charges and any applicable payments or 
credits. This gives Us the daily balance for each Transaction 
Type. Then, for each Transaction Type, We add up all the 
daily balances for the billing cycle and divide each total by 
the number of days in the billing cycle. This gives Us the 
�average daily balance� for each Transaction Type.
6. FEES �  In addition to the periodic rate, additional fees 
may be imposed on Your Account. If applicable to Your 
Account, the fee amounts and explanations are disclosed 
on the Account Opening Disclosure accompanying this 
Agreement. 
7. FOREIGN TRANSACTIONS �  Purchases and cash 
advances made in foreign currencies will be debited from 
Your Account in U.S. dollars. The exchange rate between 
the transaction currency and the billing currency used for 
processing international transactions is a rate selected by 
Visa from a range of rates available in wholesale currency 
markets for the applicable central processing date, which 
rate may vary from the rate Visa itself receives, or the rate 
mandated by the government or governing body in effect for 
the applicable transaction date. The exchange rate used on 
the transaction date may differ from the rate that would have 
been used on the processing date or cardholder statement 
posting date.
For APCU Visa Platinum, Affinity Rewards � UPMA, Affinity 
Rewards � A-Plus, Affinity Rewards � NRLCA, APCU 
Credit Builder, Center Parc Credit Builder, APCU Low 
Rate, and Center Parc Low Rate programs.  A fee (finance 
charge), calculated in U.S. dollars, will be imposed on all 
foreign transactions, including purchases, cash advances, 
and credits to Your Account. A foreign transaction is any 
transaction that You complete or a merchant completes on 
Your Card outside of the United States, with the exception of 
U.S. military bases, U.S. territories, U.S. embassies, or U.S. 
consulates. Transactions completed by merchants outside 
of the United States are considered foreign transactions, 
regardless of whether You are located inside or outside the 
United States at the time of the transaction. The Foreign 
Transaction Fee is set forth on the Account Opening 
Disclosure accompanying this Agreement.8. AUTHORIZATIONS �  We do not guarantee authorization 
of a transaction, either by Us or by a third party, even if You 
have sufficient credit available. You agree that We will not 
be liable for failing to give an authorization. We also reserve 
the right to limit the number of transactions that may be 
approved in one day. We reserve the right to deny certain 
transactions for any reason and at Our sole discretion, 
including for default, suspected fraudulent or unlawful 
activity, internet gambling or any indication of increased risk 
related to the transaction or the Account. You agree that We 
have no requirement to notify You of the specific reason We 
denied a transaction. If We detect unusual or suspicious 
activity, We may suspend Your credit privileges until We can 
verify the activity, or We may close the Account.
9. INFORMATION UPDATING SERVICE AND 
AUTHORIZATIONS �  If You have authorized a merchant 
to bill charges to Your Card on a recurring basis, it is Your 
responsibility to notify the merchant in the event Your 
Card is replaced, Your Account information (such as Card 
number or expiration date) changes, or Your Account is 
closed. However, if Your Card is replaced or Your Account 
information changes, You authorize Us, without obligation 
on Our part, to provide the updated Account information to 
the merchant in order to permit the merchant to bill recurring 
charges to Your Card. You authorize Us to apply such 
recurring charges to Your Card until You notify Us that You 
have revoked authorization for the charges to Your Card. 
Your Card is automatically enrolled in an information 
updating service. Through this service, Your updated Account 
information (such as Card number or expiration date) may 
be shared with participating merchants to facilitate continued 
recurring charges. Updates are not guaranteed before Your 
next payment to a merchant is due. You are responsible for 
making direct payment until recurring charges resume. To 
revoke Your authorization allowing Us to provide updated 
Account information to a merchant, please contact Us.
10. PREAUTHORIZED CHARGES �  We may suspend 
preauthorized recurring charges with merchants if, for 
example, Your Card is lost or stolen, You default, or We 
change Your Account for any reason. If preauthorized 
recurring charges are suspended, You are responsible for 
making direct payment for such charges until You contact 
the merchant to reinstate recurring charges.  
11. DEFAULT �  You will be in default under this Agreement 
if You fail to pay the Minimum Payment Due by its Payment 
Due Date; pay by a check or similar instrument that is 
not honored or that We must return because it cannot be 
processed; pay by automatic debit that is returned unpaid; 
make any false or misleading statements in any credit 
application or credit update; file for bankruptcy; or die. You 
will also be in default if You fail to comply with the terms of 
this Agreement or any other Agreement You have with Us. If You default, We may close Your Account and require You 
to pay any unpaid balance immediately, subject to applicable 
law. In this Agreement and on Your Credit Card Application, 
You gave Us a security interest in all individual or joint share 
and/or deposit accounts with the Credit Union and authorized 
Us, if You defaulted, to apply the balance in these accounts to 
any amounts due. You agree We may rely on Your agreement 
and authorization to, upon Your default, apply any balance to 
any amounts due on Your Account. 
12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN 
CARD NOTIFICATION �  If You notice the loss or theft of 
Your credit card or a possible unauthorized use of Your Card, 
You should write to Us immediately at 515 Mulberry Street, 
Suite 100, Macon, GA, 31201 or call Us at (800) 849-8431, 
seven days a week 24 hours a day.
You will not be liable for any unauthorized use that occurs 
after You notify Us. You may, however, be liable for 
unauthorized use that occurs before Your notice to Us. You 
will have no liability for unauthorized use unless You are 
found to be fraudulent or negligent in the handling of Your 
Account or Card. In any case, Your liability for unauthorized 
transactions will not exceed $50.
13. CHANGING OR TERMINATING YOUR ACCOUNT �  As 
permitted by law, the Credit Union may change the terms 
of this Agreement and any attached Disclosure from time to 
time. Notice of any change will be given in accordance with 
applicable law. To the extent permitted by law, changes to 
the Agreement may apply to Your existing account balance 
as well as to future transactions. 
Arizona, California, Idaho, Louisiana, New Mexico, 
Nevada, Texas, Washington, and Wisconsin Residents -  
Either You, Your spouse or the Credit Union may terminate this 
Agreement at any time, but termination by You, Your spouse 
or the Credit Union will not affect Your obligation to pay the 
account balance plus any finance and other charges You or 
Your spouse owe under this Agreement. Your obligation to 
pay the account balance plus any finance and other charges 
You owe under this agreement are subject to all applicable 
laws and regulations regarding repayment requirements. The 
Card or Cards You receive remain the property of the Credit 
Union and You must recover and surrender to the Credit Union 
all Cards upon request or upon termination of this Agreement 
whether by You or the Credit Union. 
Residents of all other states -  Either You or the Credit Union 
may terminate this Agreement at any time, but termination 
by You or the Credit Union will not affect Your obligation to 
pay the account balance plus any finance and other charges 
You owe under this Agreement. Your obligation to pay the 
account balance plus any finance and other charges You owe 
under this agreement are subject to all applicable laws and 
regulations regarding repayment requirements. The Card or 
Cards You receive remain the property of the Credit Union 
and You must recover and surrender to the Credit Union all 
Cards upon request or upon termination of this Agreement 
whether by You or the Credit Union.14. AUTHORIZED USERS �  Upon Your request, We 
may issue additional Cards for authorized users that You 
designate. You must notify Us in writing of any termination 
of an authorized user�s right to access Your Account. Your 
notice must include the name of the authorized user and 
Your Account number and/or any subaccount number issued 
to the authorized user along with the authorized user�s Card 
and any convenience or other access checks issued to the 
authorized user. If You cannot return the authorized user�s 
Card or access checks and if You request Your Account to be 
closed, We will close Your Account and You may apply for a 
new Account. Alternatively, We may, at Our sole discretion, 
issue You a new Account number and a new Card.
15. CREDIT REPORTS �  You authorize the Credit Union 
to obtain credit reports and any other information We 
may need to verify Your identity and use of the Account 
when opening Your Account and for any update, increase, 
renewal, extension, collection or review of Your Account. You 
authorize the Credit Union to disclose information regarding 
Your Account to credit bureaus and creditors who inquire 
about Your credit standing.
16. JOINT ACCOUNTS �  If this is a joint Account, each of 
You will be individually and jointly responsible for paying all 
amounts owed under this Agreement. This means that the 
Credit Union can require any one of You individually to repay 
the entire amount owed under this Agreement. Each of You 
authorizes the other(s) to make transactions on the Account 
individually. Any one of You may terminate the Account and 
the termination will be effective as to all of You.
17. EFFECT OF AGREEMENT �  This Agreement is the 
contract which applies to all transactions on Your Account 
even though the sales, cash advances, credit or other slips 
You sign or receive may contain different terms.
18. SEVERABILITY AND FINAL EXPRESSION �  This 
Agreement is the final expression of the terms and conditions 
of Your Account. This written Agreement may not be 
contradicted by evidence of any alleged oral Agreement. 
Should any part of this Agreement be found to be invalid or 
unenforceable, all other parts of this Agreement shall remain 
in effect and fully enforceable to the fullest extent possible 
under this Agreement.
19. ILLEGAL TRANSACTIONS PROHIBITED �  You agree 
that You will not use Your Card for any transaction, including 
any type of electronic gambling transaction through the 
Internet, that is illegal under applicable federal, state, or local 
law. 
Even if You use Your Card for an illegal transaction, You 
will be responsible for all amounts and charges incurred in 
connection with the transaction. This paragraph shall not be 
interpreted as permitting or authorizing any transaction that 
is illegal.
Page 2 (continued) Page 3 (continued) Page 4 (continued) Page 5 (continued) Page 6 (continued) Page 7 (continued)