CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT 

THIS  IS  YOUR  CREDIT  CARD  ACCOUNT  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-LENDING  DISCLOSURE  STATEMENTS,  VISA 
CLASSIC, VISA CLASSIC SECURED, AND VISA PLATINUM AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA CLASSIC, 
VISA  CLASSIC  SECURED,  AND  VISA  PLATINUM  CREDIT  CARDS,  AND/OR  ANY  OTHER  ACCOUNT  ACCESS  DEVICE.  PLEASE  BE  CERTAIN  TO  READ  THIS 
AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean CAPITAL COMMUNICATIONS FEDERAL CREDIT UNION. The words "You" 
and "Your" mean each person accepting this Agreement or who uses the VISA Classic, VISA Classic Secured or VISA Platinum Credit Card. If this is a joint Account, read 
singular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA Classic, VISA Classic Secured or VISA Platinum Credit Card issued to You by Us and 
any duplicates or renewals. The word "Account" means the VISA Classic, VISA Classic Secured or VISA Platinum Credit Card established for You under this Agreement. 
"Convenience Checks" mean the special Account access devices that We may provide for Your use from time to time. 

PROMISE  TO  PAY.  You  understand  that  the  following  terms  and  conditions 
constitute  Our  Agreement  with  You.  Your  Account  may  be  accessible  through  a 
variety of means which could include vouchers, checks, charge slips, Convenience 
Checks, Credit Cards and the like. Regardless of the access means, You promise 
to pay  Us  all  amounts charged  to  Your  Account  by You  or by  any  user  who  has 
access to Your Account, with actual, apparent or implied authority for use of Your 
Account, including Finance Charges and other fees or charges described herein. 

USE OF YOUR CARD. You may use Your Card to buy goods and services in any 
place  that  it  is  honored  and  to  get  cash  advances  at  participating  financial 
institutions. You agree not to use Your Card for illegal transactions including, but 
not limited to, advances made for the purpose of gambling and/or wagering where 
such practices are in violation of applicable state and/or federal law. 

SECURITY. Collateral (other than household goods or any dwelling) given as 
security under this Agreement or for any other loan You may have with Us will 
secure all amounts You owe Us now and in the future if that status is reflected 
in  the  "Truth-in-Lending  Disclosure"  in  any  particular  Agreement  evidencing 
such debt. 

CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your 
shares with Us (except for IRA and Keogh accounts) and any dividends due 
or to become due to You from Us to the extent You owe on any unpaid Credit 
Card balance. 

LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for 
each Credit Card for which You are approved. Unless You are in default, any 
Credit  Limits  established  for  You  will  generally  be  self-replenishing  as  You 
make payments. 

You will keep Your unpaid balance within Your Credit Limit set by Us, and You will 
pay any amount over Your Credit Limit on Our demand whether or not We authorize 
the advances which caused You to exceed Your Credit Limit. Even if Your unpaid 
balance is less than Your Credit Limit, You will have no credit available during any 
time that any aspect of Your Account is in default. 

JOINT  ACCOUNTS.  Each  Borrower  will  be responsible, jointly  and severally,  for 
the  repayment  of  any  amounts  owed.  If  any  Account  access  device,  such  as  a 
Personal Identification Number (PIN) is requested and approved, You understand 
that any such Account access device(s) will be mailed only to the primary Borrower 
at the address that We have on file for You. We may refuse to follow any instructions 
which run counter to this provision. 

ACCOUNT  RESTRICTIONS.  In  order  to  receive  and  maintain  a  VISA  Classic 
Secured Credit Card, You agree to give Us a specific pledge of shares which will 
equal Your Credit Limit. In the event that You default on Your VISA Classic Secured 
Credit Card, We may apply these shares toward the repayment of any amount owed 
on such Credit Card. You may cancel Your VISA Classic Secured Credit Card at 
any time by paying any amounts owed on that Credit Card. To be certain that Your 
entire balance and all advances on Your Account are paid, any shares pledged may 
not be available to You for 30 days after You have cancelled and any outstanding 
balance is paid in full. 

MINIMUM  MONTHLY  PAYMENTS  (PAYMENT  SCHEDULE).  Though  You  need 
only pay the Minimum Monthly Payments, You understand that You have the right 
to  repay  at  any  time  without  penalty.  You  also  understand  that  You  will  only  be 
charged periodic Finance Charges to the date You repay Your entire balance. You 
may make larger payments without penalty. Any partial payment or prepayment will 
not  delay  Your  next  scheduled  payment.  All  payments  to  Us  must  be  in  lawful 
money of the United States. As permitted by law, We may apply payments at Our 
discretion.  Any  unpaid  portion  of the  Finance  Charge  will  be paid  by subsequent 
payments and will not be added to Your principal balance. You understand that any 
delay in the repayment of Your unpaid balance will increase Your periodic Finance 
Charges  and  any  acceleration  in  the  repayment  of  Your  unpaid  balance  will 
decrease Your periodic Finance Charges. 

VISA Classic, VISA Classic Secured and VISA Platinum Minimum Payments will be 
an amount equal to 2.00% of Your new unpaid VISA Classic, VISA Classic Secured 
or VISA Platinum balance at the end of each billing cycle, subject to the lesser of 
$25.00 or Your balance, plus any portion of the Minimum Payments shown on prior 
statement(s) which remains unpaid. 

You may, by separate agreement, authorize Us to charge Your payment directly to 
Your share or share draft account. 

FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  Account,  the 
balances subject to the periodic Finance Charge are the average daily transactions 
balances  outstanding  during  the  month  (including  new  transactions).  To  get  the 
average  daily  balance,  We  take  the  beginning  balance  each  day,  add  any  new 
purchases, balance transfers, cash advances, debit adjustments or other charges 
and subtract any payments, credits and unpaid Finance Charges. This gives Us the 
daily balance. Then, We add up all the daily balances for the billing cycle and divide 
them by the number of days in the billing cycle. The Finance Charge for a billing 
cycle  is  computed  by  multiplying  the  average  daily  balance  subject  to  a  Finance 
Charge by the Monthly Periodic Rate. 

You  can  avoid  Finance  Charges  on  purchases  by  paying  the  full  amount  of  the 
entire  balance  owed  each  month  within  25  days  of  Your  statement  closing  date. 
Otherwise, the new balance of purchases, and subsequent purchases from the date 
they  are  posted  to  Your  Account,  will  be  subject  to  a  Finance  Charge.  Balance 
transfers and cash advances are always subject to a Finance Charge from the later 
of the date they are posted to Your Account or from the first day of the billing cycle 
in which the cash advance is posted to Your Account. 

For  the  current  Monthly  Periodic  Rate  (and  the  corresponding  Annual 
Percentage  Rate)  for  Your  Account,  refer  to  the  separate  page  titled 
"Additional  Disclosure  -  Federal  Truth-In-Lending  Act"  which  has  been 
provided in conjunction with Your Card. 

LATE CHARGE. If Your payment is 10 or more days late, You will be charged the 
lesser of: (a) the amount of the minimum payment due; or (b) $25.00.  

RETURNED  PAYMENT  FEE.  You  will  be  charged  a  fee  for  any  check  (or  other 
negotiable instrument used for payment) which is returned unpaid. The amount of 
the fee will equal the lesser of: (a) $10.00; or (b)  the required minimum payment 
amount for the returned payment.  

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OTHER FEES AND CHARGES. You will be charged the following fees associated 
with the use of Your Card: (a) $5.00 for each replacement Card You request; (b) 
$2.00 for each statement copy You request; and (c) each time You request that We 
expedite the delivery of a Card or PIN, We will charge You a fee, which amount will 
be determined  at Our sole discretion  (ranging  from  a minimum  $25.00 up to  and 
including a maximum of $45.00). 

PERIODIC  STATEMENTS.  On  a  regular  basis,  You  will  receive  a  statement 
showing  all  transactions  on  Your  Account  including  amounts  paid  and  borrowed 
since Your last statement. We will provide You a statement each month in which 
there is a debit or credit balance or when a Finance Charge is imposed. We need 
not send  You  a  statement  if We  feel  Your  Account  is  uncollectible  or  if We have 
started  collection  proceedings  against  You  because  You  defaulted.  EACH 
STATEMENT  IS  DEEMED  TO  BE  A  CORRECT  STATEMENT  OF  ACCOUNT 
UNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL 
TRUTH-IN-LENDING ACT.  

OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under 
no obligation to honor Your Convenience Checks if: (1) by paying a Convenience 
Check, You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks 
have  been  reported  lost  or  stolen;  (3)  Your  Account  has  been  cancelled  or  has 
expired.  If  a  postdated  Convenience  Check  is  paid  and,  as  a  result,  any  other 
Convenience  Check  is returned unpaid, We  are  not  responsible for  any  resulting 
loss or liability. 

DEFAULT. You will be in default if: (a) You do not make any payment or perform 
any obligation under this Agreement, or any other agreement that You may have 
with Us; or (b) You should die, become involved in any insolvency, receivership or 
custodial proceeding brought by or against You; or (c) You have made a false or 
misleading statement  in  Your  credit  application and/or  in  Your representations to 
Us while You owe money on Your Account; or (d) A judgment or tax lien should be 
filed against You or any attachment or garnishment should be issued against any 
of  Your  property  or  rights,  specifically  including  anyone  starting  an  action  or 
proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in 
good faith, believe Your ability to repay Your indebtedness hereunder is or soon will 
be impaired, time being of the very essence. 

Upon any occurrence of default, We may, to the extent permitted by law, cancel 
Your  rights  under  this  Agreement,  require  the  return  of  all  access  devices  and 
declare the entire balance of Your Account immediately due and payable, without 
prior  notice  or  demand.  If  Your  entire  Account  balance  is  not  then  paid 
immediately  upon default, and to the  extent  permitted  by  law, the  Credit  Union 
may take possession of the Collateral and assert the defense of a superior right 
of  possession  as  the  holder  of  a  security  interest  to  any  offense  of  alleged 
wrongful taking and conversion. 

COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain 
payment on this Account, to the extent permitted by law, You agree to pay all court 
costs,  private  process  server  fees,  investigation  fees  or  other  costs  incurred  in 
collection and  reasonable attorneys’ fees  incurred  in  the course  of collecting  any 
amounts owed under this Agreement or in the recovery of any Collateral. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
We delay enforcing them. We can accept late payments, partial payments or any 
other payments, even if they are marked "paid in full" without losing any of Our rights 
under  this  Agreement.  If  any  provision  of  this  or  any  related  agreement  is 
determined to be unenforceable or invalid, all other provisions remain in full force 
and effect. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
or otherwise have a change of address. 

CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
delivering to You written notice of the changes as prescribed by the Federal Truth-
In-Lending Act. To the extent permitted by law, the right to change the terms of this 
Agreement  includes,  but  is  not  limited  to,  the  right  to  change  the  periodic  rate 
applicable to Your unpaid balance and/or future advances. 

CREDIT  INSURANCE.  Credit  insurance  is  not  required  for  any  extension  of 
credit under this Agreement. However, You may purchase any credit insurance 
available  through  Us  and  have  the  premiums  added  to  Your  outstanding 
balance. If You elect to do so, You will be given the necessary disclosures and 
documents separately. 

INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional 
Disclosure - Federal Truth-In-Lending Act," which is delivered together with this 
Agreement  or  at  a  later  date  becomes  an  integrated  part  of  this  Agreement  
and Disclosure. 

CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
Agreement. By signing the application; or by using Your Account or any Account 
access device; or by authorizing another to use Your Account, You agree to and 
accept its terms. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide 
facts  to  update  information  contained  in  Your  original  Account  application  or 
other financial information related to You, at Our request. You also agree that 
We may, from time to time, as We deem necessary, make inquiries pertai ning 
to Your employment, credit standing and financial responsibility in accordance 
with  applicable  laws  and  regulations.  You  further  agree  that  We  may  give 
information about the status and payment history of Your Account to consumer 
credit  reporting  agencies,  a  prospective  employer  or  insurer,  or  a  state  or 
federal  licensing  agency  having  any  apparent  legitimate  business  need  for 
such information.  

TERMINATION. Either You or We may cancel Your Account at any time, whether 
or  not  You  are  in  default.  You  will,  in  any  case,  remain  liable  to  pay  any  unpaid 
balances according to the terms of Your Account. 

OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any 
time without notice. You agree to surrender Your Card and to discontinue its use 
immediately upon Our request. 

ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon 
Your  request,  a  Personal  Identification  Number  (PIN)  for  use  with  participating 
Automated  Teller  Machines  (ATMs).  This  PIN  is  confidential  and  should  not  be 
disclosed to anyone. You may use Your PIN to access Your Account and all sums 
advanced will be added to Your Account balance. In the event a use of Your PIN 
constitutes an Electronic Fund Transfer, the terms and conditions of Your Electronic 
Fund Transfer Agreement may also affect Your rights.  

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or 
other slips You may sign or receive when using Your Card contain terms, this 
Agreement  is  the  contract  which  solely  applies  to  all  transactions  involving 
the Card. 

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
You will not be liable for the unauthorized use that occurs after You notify Us of the 
loss, theft, or possible unauthorized use by calling Us at (844) 228-8853. You may 
also notify Us of the loss, theft, or possible unauthorized use of Your Card by writing 
to Us at CAP COM Federal Credit Union, 4 Winners Circle, Albany, NY 12205. In 
any case, Your liability will not exceed $50.00. 

REFUSAL  TO  HONOR  CARDS  OR  CONVENIENCE  CHECKS.  We  are  not 
liable for the refusal or inability of merchants, financial institutions and others 
to  accept the Cards or Convenience  Checks, or electronic terminals to honor 
the Cards or complete a Card withdrawal, or for their retention of the Cards or 
Convenience Checks. 

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in foreign countries  and 
foreign currencies, the exchange rate between the transaction currency and the 
billing currency (U.S. Dollars) will be: (a) a rate selected by VISA from the 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 (b) the 
government-mandated  rate  in  effect  for  the  applicable  central  processing  date. 
For transactions that are initiated in a foreign currency, You will be charged 1.00% 
of the final settlement amount. For transactions occurring in foreign countries and 
initiated in U.S. Dollars, You will be charged 1.00% of the final settlement amount. 

TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant, 
electronic  terminal  or  financial  institution  at  which  transactions  were  made,  but 
sales, cash advances, credit or other slips cannot be returned with the statement. 

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards 
or Convenience Checks, You will immediately call Us at (844) 228-8853, or write to 
Us at CAP COM Federal Credit Union, 4 Winners Circle, Albany, NY 12205.  

CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or 
adjustments,  they  will  do  so  by  sending  Us  a  slip  which  will  be  posted  to  Your 
Account. If Your credits and payments exceed what You owe Us, We will hold and 
apply  this  credit  against  future  purchases  and  cash  advances,  or  if  it  is  $1.00  or 
more  refund  it  on  Your  written  request  or  automatically  deposit  it  to  Your  Share 
Account after six months.   

GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
State  of  New  York  except  to  the  extent  that  such  laws  are  inconsistent  with 
controlling federal law. 

Copyright Oak Tree Business Systems, Inc., 2020. All Rights Reserved. 

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Your Billing Rights: Keep this Document for Future Use 

After We finish Our investigation, one of two things will happen: 

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 Our address shown 
in this Agreement. 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. 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. 

• 

• 

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  $50.00  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 $50.00. (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 at Our address shown in this Agreement. 

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. 

Copyright Oak Tree Business Systems, Inc., 2020. All Rights Reserved. 

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PRICING INFORMATION ADDENDUM – CREDIT CARD ACCOUNT 
AGREEMENT AND FEDERAL DISCLOSURE STATEMENT 
THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR THE VISA CLASSIC, VISA CLASSIC SECURED, AND VISA PLATINUM CREDIT CARD. 
PLEASE BE SURE TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate (APR) 
For Purchases 

VISA Classic: 12.90%  

VISA Platinum: 8.90% 

VISA Classic Secured: 12.90% 

Annual Percentage Rate (APR) 
For Balance Transfers 

Annual Percentage Rate (APR) 
For Cash Advances 

VISA Classic: 12.90%    

VISA Platinum: 8.90% 

VISA Classic Secured: 12.90% 

VISA Classic: 12.90%    

VISA Platinum: 8.90% 

VISA Classic Secured: 12.90% 

Paying Interest 

We will not charge You interest on purchases if You pay Your entire balance owed each 
month within 25 days of Your statement closing date. We will begin charging interest on 
cash advances and balance transfers on the transaction date. 

Fees 

Transaction Fees 

  Foreign Transaction 

Penalty Fees 

1.00% of each foreign currency transaction in U.S. Dollars. 
1.00% of each U.S. Dollar transaction that occurs in a foreign country. 

  Late Payment 
  Returned Payment 

Up to $25.00 
Up to $10.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See 
Your Account Agreement for details. 

Billing  Rights:  Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your  
Account Agreement.  

FINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the  average daily transactions 
balances outstanding during the month (including new transactions). To get the average daily balance, We take the beginning balance each day, add any new purchases, 
balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. 
Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed 
by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. 

You  can  avoid  Finance  Charges  on  purchases  by  paying  the  full  amount  of  the  entire  balance  owed  each  month  within  25  days  of  Your  statement  closing  date. 
Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance 
transfers and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle 
in which the cash advance is posted to Your Account. 

VISA Classic is subject to a Monthly Periodic Rate of 1.0750% (corresponding to an ANNUAL PERCENTAGE RATE of 12.90%). 

VISA Classic Secured is subject to a Monthly Periodic Rate of 1. 0750% (corresponding to an ANNUAL PERCENTAGE RATE of 12.90%). 

VISA Platinum is subject to a Monthly Periodic Rate of 0. 7416% (corresponding to an ANNUAL PERCENTAGE RATE of 8.90%). 

Copyright Oak Tree Business Systems, Inc., 2020. All Rights Reserved. 

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