Florida Credit Union Visa® Disclosure Information 

Effective April 1, 2012

How Do I Transfer Balances?

Visa Platinum Rewards Visa Platinum Rate

Fresh Start Visa

Interest Rates and Interest Charges

Annual Percentage Rate 
(APR) for Purchases

10.90%–17.90%
when you open your account, 
based on your creditworthiness.

8.90%–17.90%
when you open your account, 
based on your creditworthiness.

17.90%
when you open your account, 
based on your creditworthiness.

APR for Balance Transfers

APR for Cash Advances

10.90%–17.90%
when you open your account, 
based on your creditworthiness.
17.90%

Penalty APR and When It Applies None

8.90%–17.90%
when you open your account, 
based on your creditworthiness.
17.90%
None

17.90%
when you open your account, 
based on your creditworthiness.
17.90%
None

How To Avoid Paying Interest
on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you 
interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.50.

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

To learn more about the factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at http://www.consumerﬁ nance.gov/
learnmore.

None

None

$100

None
None
1% of each transaction in 
U.S. dollars

None
None
1% of each transaction in 
U.S. dollars

None
None
1% of each transaction in 
U.S. dollars

Fees
Annual Fee
Transaction Fees
• Balance Transfer
  • Cash Advance
  • Foreign Transaction

Penalty Fees
• Late Payment
  • Over-the-Credit Limit
  • Returned Payment

up to $35
up to $35
up to $35

Other Fees
• Card Replacement
  • Rush Mail (Priority Handling)
  •  Convenience Check

$25
$15
$35

Stop Payment

up to $35
up to $35
up to $35

$25
$15
$35

up to $35
up to $35
up to $35

$25
$15
$35

How We Will Calculate Your Balance: We use a method called “average daily balance (including all purchases).”

The information about the costs of the card described in this application is accurate as of April 2012. The information may have 
changed after that date. To ﬁ nd out what may have changed, call us at 800-284-1144.

Complete the balance transfer form on the reverse side.

Important! Balances cannot be transferred without 
complete and accurate information.

How do I know how much I can transfer? Is there a 
minimum amount I can transfer?
You may transfer balances up to your credit line.

Important! In the event that your request(s) exceed the 
amount of your credit line, the Credit Union will fulﬁ ll your 
requests in numeric order as listed in your response, may 
decline to process one or more requests, and/or may 
complete one request in a partial amount. You will be 
notiﬁ ed if for any reason we are not able to process your 
balance transfer request.

How long will it take to process my balance
transfer request?
After your account is opened and you receive your card(s), 
the balance transfer(s) will be processed within 30 days. You’ll 
receive conﬁ rmation on your credit card billing statement 
about the transfer(s) completed and if we were unable to 
complete any transfer request.

Important! Please continue to make payments on all your 
existing accounts until you conﬁ rm with your other issuer that 
the balance transfer payment was made. Florida Credit Union 
is not responsible for any service charges or late fees which 
may be assessed on the account(s) listed for balance transfer.

How will my transfer(s) be shown on my new account?
Balance transfers will be posted to your new account as
an advance.

Important! No advance transaction fee will be charged. 
Balance transfer amounts will accrue ﬁ nance charges from 
the date we send the transfer amount you requested to the 
other credit card issuer. Balances transferred are not subject 
to a grace period.

Will my accounts be closed after my balances are 
transferred to my Florida Credit Union Visa Card?
No. We will not automatically close these accounts for you. 
You may close these accounts by contacting the issuers after 
your balance transfer is completed.

NOTE: Balance transfer is contingent upon approval of your Florida 
Credit Union Visa Credit Card account. Florida Credit Union reserves 
the right to decline to process any balance transfer request and will 
not process a balance transfer request from any other Florida Credit 
Union accounts.

P
O
B
O
X
5
5
4
9

I

G
A
N
E
S
V
I
L
L
E
F
L

3
2
6
2
7
-
9
9
8
5

I

F
L
O
R
D
A
C
R
E
D
I
T
U
N
O
N

I

I

P
O
S
T
A
G
E
W
L
L
B
E
P
A
D
B
Y
A
D
D
R
E
S
S
E
E

I

F
I
R
S
T
-
C
L
A
S
S
M
A
I
L

P
E
R
M
I
T
N
O
9

.

I

G
A
N
E
S
V
I
L
L
E
F
L

I

B
U
S
N
E
S
S
R
E
P
L
Y
M
A
L

I

All residents of your county can join Florida Credit Union.

43rd Street
2831 NW 43rd St.
Gainesville
352-377-4141

Advantage Center
at 13th Street
3720 NW 13th St.
Gainesville
352-377-4141

Haile Market Square
2785 SW 91 St.
Gainesville
352-377-4141

Lake City
586 West Duval St.
Lake City
386-755-4141

Ocala
2424 SW 17 Rd.
Ocala
352-237-8222

Advantage Center
at Ocala
3504 East Silver 
Springs Blvd.
Ocala
352-237-8222

Country Oaks
9680 SW 114th St.
Ocala
352-237-8222

Starke
2460 Commercial Dr.
Starke
904-964-1427

Mailing Address
P.O. Box 5549
Gainesville, FL 32627-5549
Outside Local Calling Areas
(800) 284-1144

D
R
A
C

T
I

D
E
R
C

®

a
s
V

i

Purchasing power in 
your pocket with the 
protection of Visa

I

S
E
A
L
W
T
H
T
A
P
E
B
E
F
O
R
E
M
A
L
N
G

I

I

Visit Florida Credit Union
on the Web: www.ﬂ cu.org

U
N
I
T
E
D
S
T
A
T
E
S

I

N
T
H
E

I
F
M
A
I
L
E
D

N
E
C
E
S
S
A
R
Y

N
O
P
O
S
T
A
G
E

136243.ConsumerVisa.B.9.12.indd   1

2/25/13   12:53 PM

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
FCU’s value-packed Visa® card programs 
are a great way to make purchases, cash 
advances, or consolidate higher-interest 
rate credit cards. With no annual fees 
and low rates, FCU’s Visa card is among 
the best on the market.

Florida Credit Union Visa Credit Cards Oﬀ  er:

•  No annual fee on most cards
•  Terriﬁ c non-variable rate
•   Credit limits to ﬁ t your needs
•  Low minimum payment
•  Transaction Visa Alerts sent via email or text or both
•   eStatements via FCU’s Online Banking
•  25-day grace period on purchases (no new ﬁ nance 

charges when balance is paid in full by the due date)
•  Cash advance options with no fee – use the card to pay 

oﬀ  higher cost cards

•   Online access to view your account history
•   Extra cards for family members
•   Emergency card replacement
•  Balance transfer opportunity (transfer balances from 
high interest credit cards to our low interest card) – 
no fees

Veriﬁ ed by Visa®
Protect yourself and your online purchases with Veriﬁ ed 
by Visa. Using a personal password, Veriﬁ ed by Visa allows 
participating merchants to verify your identity before 
completing an online transaction. It’s safe, convenient, 
and best of all, it’s FREE. There is no cost for this 
added protection.

•   Prevents unauthorized use of your FCU Visa Debit Card 

or Credit Card

•  Reduces the possibility of identity theft
•  Decreases the chances of fraudulent activity on your 
FCU checking account or Visa credit card account

Choose Your Card
Choose your design. FCU features three of the endangered 
species of local interest. Florida Manatee, Florida Panther, or 
Florida Sea Turtle. 

Design Your Own Card 
Want to make your FCU Visa Credit Card extra special? You 
can customize it by following a few simple steps. Give your 
card the exclusiveness it deserves!

CURewards®
Some FCU Visa Credit Card programs earn CURewards points. 
If you choose one of these programs, there is added beneﬁ t 
to using your FCU card for all your purchases. Every time you 
do, you’ll earn CURewards points for the dollars you spend. 
Redeem your points for quality gifts such as HDTVs, golf 
clubs, gift cards, or even travel.

Your monthly statement will report the points you’ve 
accumulated. Also, look for CURewards gift updates in your 
monthly Florida Credit Union Visa statements or go to 
www.curewards.com for a complete listing of beneﬁ ts 
and gifts. 

Payment Options
Best of all, your new FCU Visa Credit Card gives you 
ﬂ exibility on your monthly payments. You can make your 
monthly payment online, by mail or in person at any Florida 
Credit Union branch. Also, choose your payment schedule 
to be made on the 7th or 21st day of each month. Want 
more ﬂ exibility? You can choose to have your payment 
automatically deducted out of your Florida Credit Union 
account each month in one of three ways:

1.  Minimum payment* deducted depending on the credit 

balance owed.

2.  Set dollar amount you choose to pay each month, as long as 

it meets the minimum payment*.

3. Pay your entire credit balance in full each month.
4.  Set up bi-weekly payments from your FCU Checking Account.

Pay Online at www.ﬂ cu.org 
Convenience at its best while saving money on stamps and 
checks. Log on to FCU’s Online Banking located on the FCU 
web site, and you can access your credit card information 24/7.

So before you go shopping and ﬁ nd yourself applying for 
another credit card, call Florida Credit Union. Let our loan 
oﬃ  cers help you choose the right card that will ﬁ t all your needs.

* Minimum monthly payment due is 2% of the balance owed or 

$25.00, whichever is greater.

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
 _
#
t
n
u
o
c
c
A
r
e
b
m
e
M

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

s
d
r
a
C
f
o
r
e
b
m
u
N
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
 _
$
d
e
t
s
e
u
q
e
R
t
i

i

m
L
t
i
d
e
r
C

e
l
t
r
u
T
a
e
S
❑

e
e
t
a
n
a
M
❑

r
e
h
t
n
a
P
❑

:
e
k

i
l

l

d
u
o
w
u
o
y
d
r
a
c
h
c
i
h
w

t
c
e
e
S

l

n
o
i
t
a
c

i
l

p
p
A
d
r
a
C

t
i
d
e
r
C

®
a
s
i
V
U
C
F

i

)
s
s
e
n
h
t
r
o
w

t
i
d
e
r
c
r
u
o
y
n
o
d
e
s
a
b
e
p
y
t
d
r
a
c
;
s
d
r
a
w
e
r
o
n
(

s
e

i
l

p
p
A
e
t
a
R

l

a
n
o
i
t
o
m
o
r
P
❑

a
s
i
V
t
r
a
t
S
h
s
e
r
F
/
e
t
a
R
m
u
n
i
t
a
P
a
s
i
V

l

❑

s
d
r
a
w
e
R
m
u
n
i
t
a
P
a
s
i
V
❑

l

:

m
a
r
g
o
r
P
d
r
a
C
t
i
d
e
r
C
a
s
i
V
d
e
r
r
e
f
e
r
P

f
I

)
2
(

r
o
)
I

W

,

A
W

,

X
T

,

V
N

,

M
N

,

A
L
,

D

I

,

A
C

,

Z
A

(
e
t
a
t
s
y
t
r
e
p
o
r
p
y
t
i
n
u
m
m
o
c
a
n

i

e
v
i
l

u
o
y
f
i

e
s
u
o
p
s
r
u
o
y
t
u
o
b
a
n
o
i
t
a
m
r
o
f
n

I

)
1
 (

.
s
n
o
i
t
c
e
s
t
n
a
c
i
l

p
p
A
-
o
C
d
n
a
t
n
a
c
i
l

l

p
p
A
g
n
i
t
e
p
m
o
c
y
b
u
o
y
f
o
h
t
o
b
t
u
o
b
a
n
o
i
t
a
m
r
o
f
n

i

e
d
i
v
o
r
P
:
t
i
d
e
r
C
t
n
o
J
❑

i

.
t
n
u
o
c
c
a
e
h
t
e
s
u

l
l
i

w
e
s
u
o
p
s
r
u
o
y

:
s
w
o

l
l

o
f
s
a
s
n
o
i
t
c
e
s
t
n
a
c
i
l

p
p
A
-
o
C
e
h
t
e
t
e
p
m
o
C

l

.
n
o
i
t
c
e
s
t
n
a
c
i
l

p
p
A
e
t
e
p
m
o
C

l

:
t
i
d
e
r
C

l

a
u
d
i
v
i
d
n

 I

❑

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

e
m
a
N

t
s
a
L

_
_
_
_
_

l

a
i
t
i
n

I

l

e
d
d
M

i

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

e
m
a
N

t
s
r
i
F

t

n
a
c

i
l

p
p
A

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
e
t
a
D
h
t
r
i
B

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
 _
r
e
b
m
u
N
y
t
i
r
u
c
e
S

l

a
i
c
o
S

_
_
_
_
_
_
_
_
_
_
_
_
_
s
s
e
r
d
d
A
t
a
h
t
g
n
e
L
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
 _
s
s
e
r
d
d
A
t
e
e
r
t
S

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

i

p
Z
_
_
_
_
_
_
_
_
_

e
t
a
t
S
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

y
t
i
C

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

e
n
o
h
P
k
r
o
W
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

e
n
o
h
P
e
m
o
H

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
n
o
i
t
i
s
o
P
b
o
J

l

_
_
_
_
_
r
e
y
o
p
m
E
t
a
h
t
g
n
e
L

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

l

r
e
y
o
p
m
E

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
$
t
n
e
m
y
a
P
y
h
t
n
o
M

l

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
$
e
m
o
c
n

l

I
y
h
t
n
o
M

s
s
o
r
G

t
n
e
R
❑

n
w
O

❑

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

e
m
a
N

t
s
a
L

_
_
_
_
_

l

a
i
t
i
n

I

l

e
d
d
M

i

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

e
m
a
N

t
s
r
i
F

)
l
a
n
o

i
t

p
O

(

t

n
a
c

i
l

p
p
A
o
C

-

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
e
t
a
D
h
t
r
i
B

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
 _
r
e
b
m
u
N
y
t
i
r
u
c
e
S

l

a
i
c
o
S

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
 _
s
s
e
r
d
d
A
t
e
e
r
t
S

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

i

p
Z
_
_
_
_
_
_
_
_
_

e
t
a
t
S
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

y
t
i
C

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

e
n
o
h
P
k
r
o
W
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

e
n
o
h
P
e
m
o
H

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
n
o
i
t
i
s
o
P
b
o
J

l

_
_
_
_
_
r
e
y
o
p
m
E
t
a
h
t
g
n
e
L

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

l

r
e
y
o
p
m
E

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
$
t
n
e
m
y
a
P
y
h
t
n
o
M

l

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
$
e
m
o
c
n

l

I
y
h
t
n
o
M

s
s
o
r
G

t
n
e
R
❑

n
w
O

❑

r
e
h
t
r
u
f

I

.
)
t
n
u
o
m
a
t
n
e
r
r
u
c
r
o
f
e
u
d
e
h
c
s
e
e
f
e
e
S
(

l

t
i

m

i
l

y
m

l

r
e
v
o
o
g
o
t
e
c
n
a
a
b
y
m
e
s
u
a
c
t
n
u
o
c
c
a
d
r
a
c
t
i
d
e
r
c
y
m
o
t

t
s
o
p

s
i
h
t
n

i

d
e

l
l

i

o
r
n
e
g
n
e
b
f
o
t
l
u
s
e
r
a
s
a
n
o
i
t
c
a
s
n
a
r
t
y
r
e
v
e
t
p
e
c
c
a
o
t
d
e
r
i
u
q
e
r

t
o
n
s
i

i

n
o
n
U
t
i
d
e
r
C
a
d
i
r
o
F
t
a
h
t
d
n
a
t
s
r
e
d
n
u

l

t
n
u
o
c
c
a
d
r
a
c
t
i
d
e
r
c
y
m

f
i

l

y
n
o
d
e
g
r
a
h
c
e
b

l
l
i

w
d
n
a
h
t
n
o
m

l

r
e
p
e
c
n
o
y
n
o
d
e
g
r
a
h
c
e
b

l
l
i

w
e
e
f

t
i

m

i
l
r
e
v
o
e
h
T

.

m
a
r
g
o
r
p

.

h
t
n
o
m
e
h
t
g
n
i
r
u
d
e
m

i
t
y
n
a
t
a
t
i

m

i
l
r
e
v
o
s
e
o
g
e
c
n
a
a
b

l

e
s
o
h
t

f
i

i

d
e
n
e
d
e
b

l
l
i

w
s
n
o
i
t
c
a
s
n
a
r
t
d
n
a
t
s
r
e
d
n
u

I

.

m
a
r
g
o
r
p
e
e
f

t
i

m

i
l
r
e
v
o
e
h
t

f
o
t
u
o
t
p
o
o
t

r
e
f
e
r
p

I

.
t
u
O
e
M

t
p
 O

❑

.
t
n
u
o
c
c
a
d
r
a
c
t
i
d
e
r
c
y
m

f
o
t
i

m

i
l

e
h
t

l

r
e
v
o
o
g
o
t
e
c
n
a
a
b
y
m
e
s
u
a
c
d
u
o
w
s
n
o
i
t
c
a
s
n
a
r
t

l

s
i
h
t
n

i

d
e
t
a
t
s
u
o
y
t
a
h
w
n
o
g
n
y
e
r
s
i

l

i

i

n
o
n
U
t
i
d
e
r
C
e
h
T

.
n
o
i
t
a
c
i
l

p
p
a
s
i
h
t

f
o
t
l
u
s
e
r
a
s
a
d
e
d
n
e
t
x
e
t
i
d
e
r
c
w
e
n
y
n
a
f
o
s
n
o
i
s
n
e
t
x
e

e
h
t
e
s
u
u
o
y
d
n
a
u
o
y
o
t
d
e
u
s
s
i
s
i

d
r
a
c
t
i
d
e
r
c
a
f
I

.
e
u
r
t
s
i

i

d
e
t
a
t
s
e
v
a
h
u
o
y
g
n
h
t
y
r
e
v
e
t
a
h
t
e
g
d
e
w
o
n
k
c
a
u
o
y
d
n
a
n
o
i
t
a
c
i
l

l

p
p
a

f
o
s

m
r
e
t
e
h
t
o
t

t
n
e
m
e
e
r
g
a
r
u
o
y
e
t
u
t
i
t
s
n
o
c
l
l
i

w
e
s
u
h
c
u
s
t
a
h
t
e
e
r
g
a
u
o
y
,
e
s
u
s
t
i

e
z
i
r
o
h
t
u
a
r
o
)
r
e
b
m
u
n
t
n
u
o
c
c
a
s
t
i

r
o
(
d
r
a
c

i

.
n
o
n
U
t
i
d
e
r
C
e
h
t

m
o
r
f
e
v
i
e
c
e
r
u
o
y
t
a
h
t
s
t
n
e
m
e
e
r
g
a
r
e
f
s
n
a
r
t
e
c
n
a
a
b
d
n
a
r
e
d
o
h
d
r
a
c
e
h
t

l

l

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

e
t
a
D

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

i

e
r
u
t
a
n
g
S
s
’
t
n
a
c
i
l

p
p
A

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

e
t
a
D

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

i

e
r
u
t
a
n
g
S
s
’
t
n
a
c
i
l

p
p
A
-
o
C

.

I

S
E
R
U
S
O
L
C
S
D
T
S
O
C
D
N
A
E
E
F
,

I

E
T
A
R
D
R
A
C
T
D
E
R
C
T
N
A
T
R
O
P
M

I

I

R
O
F
E
D
S
E
S
R
E
V
E
R
E
H
T
O
T
R
E
F
E
R
E
S
A
E
L
P

s
e
r
a
h
S
f
o
t
s
e
r
e
t
n

I
y
t
i
r
u
c
e
S

i

h
c
i
h
w
n
o
e
r
e
h
t
s
g
n
n
r
a
e
d
n
a
s
t
n
e
m
y
a
p
d
n
a
)
s
t
n
u
o
c
c
a
t
f
a
r
d
n

i

i
s
t
n
u
o
m
a
g
n
d
u
l
c
n
i
(
s
t
i
s
o
p
e
d
r
o
/
d
n
a
s
e
r
a
h
s
l
l

a
e
g
d
e
p
u
o
Y

l

r
o
s
e
t
a
d
p
u
,
s
l
a
w
e
n
e
r
y
n
a
h
t
i

w
d
n
a
n
o
i
t
a
c
i
l

p
p
a
s
i
h
t
h
t
i

w
n
o
i
t
c
e
n
n
o
c
n

i

d
e
t
s
e
u
q
e
r
e
b
y
a
m

t
r
o
p
e
r

t
i
d
e
r
c
r
e
m
u
s
n
o
c
A

i

s
e
n
o
m

l
l

a
d
n
a
y
n
a
r
o
f
y
t
i
r
u
c
e
s
s
a
,
t
s
u
r
t
n

i

r
o
y

l
l

a
u
d
i
v
i
d
n

i

,
y
l
t
n
o

i

j

l

d
e
h
r
e
h
t
e
h
w

,
s
u
h
t
i

w
e
v
a
h
y
a
m

r
e
t
f
a
e
r
e
h
r
o
w
o
n
u
o
y

o
t
s
u
e
z
i
r
o
h
t
u
a
u
o
y
t
l
u
a
f
e
d
n
o
p
U

.
n
o
e
r
e
h
t
d
e
u
r
c
c
a
t
s
e
r
e
t
n

i

y
n
a
d
n
a
d
r
a
c
e
h
t

f
o
e
s
u
y
b
e
d
a
m

s
e
s
a
h
c
r
u
p
r
o
d
e
c
n
a
v
d
a

r
e
h
t
r
u
f
u
o
Y

.
s
u
h
t
i

w
e
v
a
h
u
o
y
)
s
t
n
u
o
c
c
A
t
n
e
m
e
r
i
t
e
R

l

a
u
d
i
v
i
d
n

I

t
p
e
c
x
e
(

t
n
u
o
c
c
a
h
c
u
s
y
n
a
f
o
t
u
o
s
u
e
w
o
u
o
y
t
a
h
w
e
k
a
t

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

s
s
e
r
d
d
A
g
n

i
l
i

a
M

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

r
e
u
s
s
I

d
r
a
C

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

r
e
b
m
u
N

t
n
u
o
c
c
A
d
r
a
C

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

$
y
a
P
o
t

t
n
u
o
m
A
c
ﬁ 
i
c
e
p
S

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

l

)
e
b
a
c
i
l

p
p
a
f
i
(

r
e
b
m
u
N

t
n
u
o
c
c
A
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
e
m
a
 N

.
1

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
s
s
e
r
d
d
A
g
n

i
l
i

a
M

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

r
e
u
s
s
I

d
r
a
C

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

r
e
b
m
u
N

t
n
u
o
c
c
A
d
r
a
C

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

$
y
a
P
o
t

t
n
u
o
m
A
c
ﬁ 
i
c
e
p
S

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

l

)
e
b
a
c
i
l

p
p
a
f
i
(

r
e
b
m
u
N

t
n
u
o
c
c
A
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

e
m
a
 N

.
2

t
s
e
u
q
e
R
r
e
f
s
n
a
r
T
e
c
n
a
a
B

l

_
_
_
_
_
_
_
_
_
_
_
_
_
_

e
t
a
D

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

i

e
r
u
t
a
n
g
S
s
’
t
n
a
c
i
l

p
p
A

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

e
t
a
D

_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_

i

e
r
u
t
a
n
g
S
s
’
t
n
a
c
i
l

p
p
A
-
o
C

.
t
i
d
e
r
c
u
o
y
g
n
i
t
n
a
r
g
n
o
n
U
t
i
d
e
r
C
e
h
t

i

f
o
n
o
i
t
i
d
n
o
c
a
s
i

t
s
e
r
e
t
n

i

y
t
i
r
u
c
e
s
a
h
c
u
s
d
n
a
t
s
r
e
d
n
u

t
a
h
t
s
n
o
i
t
c
a
s
n
a
r
t

f
i

d
e
g
r
a
h
c
e
b

l
l
i

w
e
e
f
a
d
n
a
t
s
r
e
d
n
u

I

.

m
a
r
g
o
r
p
e
e
f

t
i

m

i
l
r
e
v
o
e
h
t
o
t
n

i

t
p
o
o
t
e
k

i
l

l

d
u
o
w

I

.
n

I
e
M

t
p
 O

❑

136243.ConsumerVisa.B.9.12.indd   2

2/25/13   12:53 PM