(128,NULL,0,'Kirby Kangaroo Club Enrollment','<br><table width=\"100%\" cellspacing=\"0\" cellpadding=\"6\" border=\"0\">\n    <tbody>\n        <tr>\n            <td width=\"121\"><a onClick=\"return confirmAction()\" target=\"_blank\" href=\"http://www.kirbykangaroo.com/index.php?cuid=53325116\"><img width=\"121\" height=\"76\" border=\"0\" src=\"upload_content/images/kirby_kangaroo.gif\" alt=\"\" /></a></td>\n            <td valign=\"MIDDLE\">\n            <p><strong><img width=\"277\" height=\"54\" src=\"upload_content/images/kk_member_app.gif\" alt=\"\" /></strong></p>\n            </td>\n        </tr>\n    </tbody>\n</table>\n<p><strong>Notice To Parents:</strong></p>\n<p>It is important to know that the purpose of The Spokane City Credit Union Kirby Kangaroo Club is not to solicit to children.  Kirby Kangaroo is an educational program for our youth members or the children of our adult members.  The purpose for the information collected is to: </p>\n<p>- Send out a quarterly newsletter<br />\n  - Send out yearly birthday cards<br />\n- Plan events for Kirby Kangaroo Members and to track our Kirby Kangaroo Members until the age of 13, when he/she becomes eligible for the CU Succeed Program. </p>\n<p>Spokane City Credit Union is not only obligated, but insistent on protecting the privacy of our youth members.  The names, addresses, phone number, emails, or any other information gathered will not be shared or sold to any third party. </p>\n<p>In order to ensure complete privacy of information, Spokane City Credit Union requires verifiable parental consent to enroll a child in Kirby Kangaroo online.  This means that after a parent has read the privacy policy and submitted his/her name, email, mailing address, and telephone number, you will receive a confirmation phone call.  The parent will then have the option of providing consent to enroll his/her child in Kirby Kangaroo.  At some point during the following week, the parent will be contacted again by Spokane City Credit Union by email with the link to the Kirby Kangaroo online membership form.  At any point in this process, the parent has the right revoke consent. </p>\n<p>This process may seem tedious and long, but it is the safest way to ensure that the privacy of children is kept safe.  To learn more about keeping your child%u2019s privacy safe online, please visit this website provided by the Commission: </p>\n<p>To read the Children\'s Online Privacy Protection Act, <a href=\"content.php?id=127\">click here.</a> </p>\n<p>If you would like to enroll your child in Kirby Kangaroo, but do not wish to go through this process, feel free to stop into the branch and fill out a quick-and-easy registration form in person. </p>\n<p>If you would like to start the process of enrolling your child in Kirby Kangaroo online, fill out the information below:\n</p>\n<table width=\"100%\" cellspacing=\"0\" cellpadding=\"5\" border=\"0\" class=\"maintext\">\n    <tbody>\n        <tr>\n            <td valign=\"TOP\" align=\"LEFT\">\n            <form action=\"http://scripts.ilinkadv.com/mailformurl.cgi\" name=\"form\" method=\"post\">\n                <input type=\"hidden\" value=\"marketing@sccu.net\" name=\"recipient\" /> <input type=\"hidden\" value=\"Kirby Kangaroo Membership App\" name=\"subject\" /> <input type=\"hidden\" value=\"http://www.sccu.net/content.php?id=104\" name=\"redirect\" />\n                <table width=\"100%\" cellspacing=\"0\" cellpadding=\"2\" border=\"0\" class=\"maintext\">\n                    <tbody>\n                        <tr>\n                            <td valign=\"TOP\" align=\"LEFT\">\n                            <table width=\"100%\" cellspacing=\"0\" cellpadding=\"4\" border=\"0\" class=\"maintext\">\n                                <tbody>\n                                    <tr>\n                                        <td width=\"20\" valign=\"TOP\"><input type=\"checkbox\" value=\"Agreed\" id=\"Understand Info\" name=\"Understand Info\" /></td>\n                                        <td>By clicking this box,  I signify that I have  read the information above  and understand that by  filling out this information,  I am giving consent for  Spokane City Credit Union  to have record of my child&rsquo;s  personal information.  I understand that this  information will not be  sold to a third party,  and that I may revoke  my consent at any time.  I may also view my child&rsquo;s  information at any time  by calling Spokane City  Credit Union at 325-7228.</td>\n                                    </tr>\n                                </tbody>\n                            </table>\n                            </td>\n                        </tr>\n                        <tr>\n                            <td valign=\"TOP\" align=\"LEFT\">&nbsp;</td>\n                        </tr>\n                        <tr>\n                            <td valign=\"TOP\" align=\"LEFT\">\n                            <table width=\"100%\" cellspacing=\"0\" cellpadding=\"4\" border=\"0\" class=\"maintext\">\n                                <tbody>\n                                    <tr>\n                                        <td width=\"20\" valign=\"TOP\"><input type=\"checkbox\" value=\"agreed\" id=\"SCCU Online Privacy Policy\" name=\"SCCU Online Privacy Policy\" /></td>\n                                        <td>By clicking this box,  I signify that I have  read and reviewed Spokane  City Credit Union&rsquo;s  <a href=\"content.php?id=127\">Children&rsquo;s  Online Privacy Policy</a></td>\n                                    </tr>\n                                </tbody>\n                            </table>\n                            </td>\n                        </tr>\n                        <tr>\n                            <td valign=\"TOP\" align=\"LEFT\">&nbsp;</td>\n                        </tr>\n                        <tr>\n                            <td width=\"146\" valign=\"TOP\" align=\"LEFT\">&nbsp;</td>\n                        </tr>\n                        <tr>\n                            <td valign=\"TOP\" align=\"LEFT\">\n                            <table width=\"100%\" cellspacing=\"0\" cellpadding=\"2\" border=\"0\">\n                                <tbody>\n                                    <tr>\n                                        <td width=\"40%\" height=\"24\" class=\"maintext\">Parent  Name</td>\n                                        <td width=\"20%\" class=\"maintext\">Middle  Initial</td>\n                                        <td width=\"40%\" class=\"maintext\">Last  Name</td>\n                                    </tr>\n                                    <tr>\n                                        <td><input type=\"text\" id=\"Parent Name\" name=\"Parent Name\" /></td>\n                                        <td><input type=\"text\" size=\"5\" id=\"Middle Initial\" name=\"Middle Initial\" /></td>\n                                        <td><input type=\"text\" id=\"Last Name\" name=\"Last Name\" /></td>\n                                    </tr>\n                                </tbody>\n                            </table>\n                            </td>\n                        </tr>\n                        <tr>\n                            <td valign=\"TOP\" align=\"LEFT\">\n                            <table width=\"100%\" cellspacing=\"0\" cellpadding=\"2\" border=\"0\">\n                                <tbody>\n                                    <tr>\n                                        <td class=\"maintext\">Mailing  Address</td>\n                                    </tr>\n                                    <tr>\n                                        <td><input type=\"text\" size=\"35\" id=\"Address - line1\" name=\"Address - line1\" /></td>\n                                    </tr>\n                                    <tr>\n                                        <td><input type=\"text\" size=\"35\" id=\"Address - line2\" name=\"Address - line2\" /></td>\n                                    </tr>\n                                </tbody>\n                            </table>\n                            </td>\n                        </tr>\n                        <tr>\n                            <td valign=\"TOP\" align=\"LEFT\">\n                            <table width=\"100%\" cellspacing=\"0\" cellpadding=\"2\" border=\"0\">\n                                <tbody>\n                                    <tr>\n                                        <td width=\"40%\" height=\"24\" class=\"maintext\">City</td>\n                                        <td width=\"20%\" class=\"maintext\">State</td>\n                                        <td width=\"40%\" class=\"maintext\">Zip  Code</td>\n                                    </tr>\n                                    <tr>\n                                        <td><input type=\"text\" id=\"City\" name=\"City\" /></td>\n                                        <td><input type=\"text\" size=\"5\" id=\"State\" name=\"State\" /></td>\n                                        <td><input type=\"text\" size=\"8\" id=\"Zip Code\" name=\"Zip Code\" /></td>\n                                    </tr>\n                                </tbody>\n                            </table>\n                            </td>\n                        </tr>\n                        <tr>\n                            <td valign=\"TOP\" align=\"LEFT\">\n                            <table width=\"100%\" cellspacing=\"0\" cellpadding=\"2\" border=\"0\" class=\"maintext\">\n                                <tbody>\n                                    <tr>\n                                        <td class=\"maintext\">Phone  Number</td>\n                                    </tr>\n                                    <tr>\n                                        <td><input type=\"text\" size=\"35\" id=\"Address - line122\" name=\"Phone\" /></td>\n                                    </tr>\n                                    <tr>\n                                        <td>Email Address</td>\n                                    </tr>\n                                    <tr>\n                                        <td><input type=\"text\" size=\"35\" id=\"AdSender\" name=\"AdSender\" /></td>\n                                    </tr>\n                                </tbody>\n                            </table>\n                            </td>\n                        </tr>\n                        <tr>\n                            <td valign=\"TOP\" align=\"LEFT\">&nbsp;</td>\n                        </tr>\n                        <tr>\n                            <td valign=\"TOP\" align=\"LEFT\"><input type=\"SUBMIT\" value=\"Submit\" onClick=\"verify();\" id=\"Thanks!\" name=\"Thanks!\" />  <input type=\"reset\" value=\"Clear Form\" name=\"Clear\" /></td>\n                        </tr>\n                    </tbody>\n                </table>\n            </form>\n            </td>\n        </tr>\n  </tbody>\n</table>\n</p>','','',0),(130,NULL,0,'MemberAppreciation','<p><strong>SCCU\'s Member Appreciation Day!</strong> <br /> <br /> On Friday, September 15th, we will be serving fancy hot dogs in a showing of appreciation to our members.  The local cop shop will be here from 2:30 p.m.-6:30 p.m. with Operation Family I.D.  Bring the kids by to take part in this great program!  Helga, the Costco &quot;Cookie Lady&quot; will be here from 10:00 a.m. until 2:30 p.m. with discounted Costco memberships for sale.  Now is a great time to get your membership before the Holiday Season starts up! <br /> Stop by the credit union for the SCCU 500 kick off, and enter to win some great prizes including:</p><ul> <li>Lunch at Luigi\'s and one hour of service by the Spokane Racing Limo!!!</li> <li>Bring the kids for games and prizes as well!</li> <li>Food will be served from 10:00 a.m. to 7:00 p.m.</li> </ul> <p><strong>Only this much longer to wait!</strong>  <font face=\"Verdana, Arial, Helvetica, sans-serif\" size=\"3\"> <script language=\"JavaScript\">\r\nTargetDate = \"09/15/2006 10:00 AM\";\r\nBackColor = \"#FFFFFF\";\r\nForeColor = \"green\";\r\nCountActive = true;\r\nDisplayFormat = \"%%D%% Days, %%H%% Hours, %%M%% Minutes, %%S%% Seconds.\";\r\nFinishMessage = \"It is finally here!\";\r\n</script> <script language=\"JavaScript\" src=\"http://www.sccu.net/countdown.js\">\r\n</script></font></p>','','',NULL),(186,54,6,'Swap Sheet: August 3, 2011','<!DOCTYPE html PUBLIC \"-//W3C//DTD XHTML 1.0 Transitional//EN\" \"http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd\">\r\n<html xmlns=\"http://www.w3.org/1999/xhtml\">\r\n<head>\r\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=iso-8859-1\" />\r\n<title>SCCU Swap Sheet, August 3, 2011</title>\r\n</head>\r\n\r\n<body leftmargin=\"0\" topmargin=\"0\" marginwidth=\"0\" marginheight=\"0\">\r\n<div align=\"center\">\r\n<IMG SRC=\'http://www.sccu.net/upload_content/gallery/gallery_2_54.jpg\' />\r\n<!-- MAP -->\r\n</div>\r\n</body>\r\n</html>\r\n',NULL,NULL,NULL),(185,53,6,'Swap Sheet: July 27, 2011','<div align=\"center\"><img src=\"http://www.sccu.net/upload_content/gallery/gallery_2_53.jpg\" alt=\"\" /> <!-- MAP --></div>','','',0),(184,52,6,'Swap Sheet: July 1, 2011','<!DOCTYPE html PUBLIC \"-//W3C//DTD XHTML 1.0 Transitional//EN\" \"http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd\">\r\n<html xmlns=\"http://www.w3.org/1999/xhtml\">\r\n<head>\r\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=iso-8859-1\" />\r\n<title>SCCU Swap Sheet, July 1, 2011</title>\r\n</head>\r\n\r\n<body leftmargin=\"0\" topmargin=\"0\" marginwidth=\"0\" marginheight=\"0\">\r\n<div align=\"center\">\r\n<IMG SRC=\'http://www.sccu.net/new/upload_content/gallery/gallery_1_52.jpg\' />\r\n<!-- MAP -->\r\n</div>\r\n</body>\r\n</html>\r\n',NULL,NULL,NULL),(178,NULL,0,'','','','',0),(141,NULL,0,'How to Balance Your Checkbook','<p><strong><a href=\"upload_content/pdfs/InBalanceEng.pdf\" target=\"_blank\">Click Here to Open in English</a></strong></p>\n<p><strong><a href=\"upload_content/pdfs/InBalanceSpa.pdf\" target=\"_blank\">Click Here to Open in Spanish</a></strong></p>','','',0),(142,NULL,0,'New Checking Account Users','<p><strong><a target=\"_blank\" href=\"upload_content/pdfs/InBalanceExamEng.pdf\">Click Here to Take InBalance Exam in English</a></strong></p>\n<p><a target=\"_blank\" href=\"upload_content/pdfs/InBalanceKeyEng.pdf\">Check your answers here!</a></p>\n<p><strong><a target=\"_blank\" href=\"upload_content/pdfs/InBalanceExamSpa.pdf\">Click Here to Take InBalance Exam in Spanish</a></strong></p>\n<p><a target=\"_blank\" href=\"upload_content/pdfs/InBalanceKeySpa.pdf\">Check your answers here!</a></p>','','',0),(140,NULL,NULL,'SkipAPayment','[IMAGE:1:LEFT:0:0]\n<BR>\n<BR>\n* form requires member signature and must be printed out and mailed back to SCCU.\n<BR>\n <p><B><a href=\"images/pdf/SkipAPayment.pdf\" Target=\"blank\"><font size=\"3\">Click Here to fill out our simple Skip A Payment form</font></a></B></p>\n<BR>\n <p>Please review details below: </p>\n <p><b>Loan Extension Terms</b></p>\n <ul>\n   <li>Your $15 donation is per loan / Visa account and must be received before the payment will be extended.</li>\n   <li>Only one month&rsquo;s extension allowed per loan/Visa account.</li>\n   <li>Extension requests must be received by December 1, 2007.</li>\n   <li>This offer is not valid for real estate loans.</li>\n   <li> This offer is not valid if any loan is past due.</li>\n   <li>Offer not valid for any loan having had an extension during the past year or loans less than six months old.</li>\n   <li>Your normal payment schedule will resume the following month. Loan extensions may extend the term of your loan. Accrued interest due will be added to your current loan balance and interest will continue to accrue as per your original loan agreement.</li>\n   <li>The $15 donation is voluntary and participation in the Skip a Payment Program is not contingent upon payment of the $15 contribution.</li>\n </ul>\n<BR>\n<BR>',NULL,NULL,NULL),(143,NULL,0,'Balance Financial Fitness','<p><img src=\"images/header/balance.gif\" alt=\"\" /> <br /> <br /> With so many financial obligations and options, money management may seem difficult and confusing at times. That\'s why Spokane City Credit Union has partnered with BALANCE, a financial education and counseling service that can help you get on track, review and improve your credit report, get out of debt, set up a spending and savings plan that works for you, or prepare to buy a home. For more information, call a BALANCE counselor at 1-888-456-2227 and let them know you are a Spokane City Credit Union member. <br /> <br /> <strong>Spokane City Credit Union,</strong> <em>your neighborhood credit union.</em></p><table width=\"53%\" cellspacing=\"0\" cellpadding=\"4\" border=\"0\">   <tbody><tr>     <td valign=\"top\" align=\"center\" scope=\"row\"><table width=\"100%\" cellspacing=\"0\" cellpadding=\"3\" border=\"0\">         <tbody><tr>           <td width=\"50%\" valign=\"middle\" align=\"center\" scope=\"row\"><a onClick=\"return confirmAction()\" target=\"_blank\" href=\"http://www.balancepro.net/services/crr.html\"><img width=\"250\" height=\"75\" border=\"0\" src=\"images/graphics/CRR_250x75.gif\" alt=\"\" /></a></td>           <td width=\"50%\" valign=\"middle\" align=\"center\"><a onClick=\"return confirmAction()\" target=\"_blank\" href=\"http://www.balancepro.net/idtheft/index.html\"><img width=\"250\" height=\"75\" border=\"0\" src=\"images/graphics/idtheft_250x75.gif\" alt=\"\" /></a></td>         </tr>       </tbody></table></td>   </tr>   <tr>     <td valign=\"top\" align=\"center\" scope=\"row\"><a onClick=\"return confirmAction()\" target=\"_blank\" href=\"http://www.balancepro.net/homeownership/index.html\"><img width=\"468\" height=\"60\" border=\"0\" src=\"images/graphics/unlock_468x60.gif\" alt=\"\" /></a></td>   </tr> </tbody></table> <p>&nbsp;</p>','','',0),(145,NULL,0,'Holiday Savings Club','<p><strong>The Holiday Savings Club</strong> <br /> <br /> Spokane City Credit Union is now offering a NEW Savings Program called the <strong>Holiday Savings Club!</strong> <br /> <br /> The enrollment for this new program starts December 1st through February 28th. SCCU Members can open the account for as little as $25 and a minimum $20 per month deposit is required (by payroll deduction or Auto Funds transfers).  <br /> <br /> The dividend rate is 2.00% (2.02% apy). Contact a member service representative for more information at <a href=\"mailto:memberservices@sccu.net\">memberservices@sccu.net</a> <br /> <br /> <a href=\"content.php?id=76#holiday\"><strong>Click Here for details on our Rates Page!</strong></a></p>','','',0),(147,NULL,NULL,'RenewCertificate','<b><font color=\"#B45906\" size=\"3\">Renew Your Online Certificate for Secure Banking</font></b>\n																				  </P>\n																				  <P>This time last year we introduced a second layer of security   to protect your access to SCCU&rsquo;s Online Branch home banking service.&nbsp; From   private, trusted computers you were invited to install a free digital   certificate to your computer, which spared you from having to answer secret   questions when logging in.&nbsp; Importantly, those digital certificates expire <b>annually</b>, as an additional element of their protection.</P>\n																				  <P><b>What does that mean?</b> Over the course of the next few months,   digital certificate users may see a special screen alerting them that their   certificate has expired, and that it&rsquo;s necessary to download and install a new   one, free of charge.</P>\n																				  <P>After renewing the digital certificate, users will then want   to make sure to delete any old expired digital certificates.&nbsp; Below is an   example of how to remove a certificate from Internet Explorer 6.0 and   7.0.</P>\n\n<BR>\n																				  <P><b>Use the steps below to remove your digital   certificate if the need arises:</b></P>\n																				  <ol><li>Go to the <b>Tools</b> menu and choose <b>Internet   Options</b>.<br>\n																				    <br>\n																				  </li>\n																				    <li>Click on the <b>Content</b> tab.<br>\n																				      <br>\n																				    </li>\n																				    <li>In the Certificates section, click the <b>Certificates...</b> button<br>\n																				      <br>\n																				    </li>\n																				    <li>On the <b>Personal</b> tab of the Certificates window, highlight   the SCCU certificate you wish to delete and then click the <b>Remove</b>   button.<br>\n																				      <br>\n																				    </li>\n																				    <li>Click the <b>Close</b> button to close the Certificates   window.<br>\n																				      <br>\n																				    </li>\n																				    <li>Click <b>OK</b> to close the Internet Options window.<br>\n																				      <br>\n																				      <br>\n																				    </li>\n																		          </ol>',NULL,NULL,NULL),(161,NULL,5,'Loan Rates','<p>\n	<font face=\"Arial\" size=\"1\">(1) Rates shown for loans and savings products are subject to change without notice.<br />\n	APR = Annual Percentage Rate.<br />\n	*other rates and terms may apply depending upon the individual creditworthiness of each applicant. Rate advertised assumes direct deposit with SCCU, an approved signature line of credit and 40% down payment. Signature line of credit loans are not eligible for discount for direct deposit.<br />\n	** Term depends on amount financed.<br />\n	***Loan amounts over $50,000 require 25% down payment.<br />\n	**** Add 2% APR if collateral is 10 or more years old or has more than 100,000 miles, maximum loan 80%<br />\n	(2) Minimum loan of $35,000 for 84 month financing.<br />\n	(3) The annual percentage rate is based on the value of an index. The index is the monthly average of the Six Month Treasury Bill Rate (Auction High). Information about the index is published in the Federal Reserve Bulletin. The rate you receive is based on certain creditworthiness factors. Ask us for the current index value, margin and annual percentage rate. </font></p>','rates.php?id=2&pid=161','',25),(162,NULL,0,'How Can We Help You','<div class=\"help\">\n	<a href=\"content.php?id=70\">Auto &amp; Motorcycle&nbsp;Loans</a><br />\n	<a href=\"content.php?id=70\">Boat and RV Loans</a></div>\n<div class=\"help\">\n	<a href=\"http://spokaneccu.mortgagewebcenter.com/Default.asp?bhcp=1\">Mortgages</a><br />\n	<a href=\"content.php?id=73\">Home Equity Lines of Credit</a><br />\n	<a href=\"content.php?id=72\">VISA Cards</a><br />\n	<a href=\"content.php?id=101\">Savings &amp; Investment Accounts</a><br />\n	<a href=\"https://www.sccu.net/new/content.php?id=69\">Join Now</a></div>\n<div class=\"help\">\n	<a href=\"/upload_content/files/ACH Automatic Payment Form 2.pdf\">Automatic Payments for my loan</a><br />\n	<a href=\"content.php?id=82\">Bill Payer</a></div>','','',0),(165,NULL,0,'Right Column','<p align=\"center\">\n	<span style=\"color: #336633\"><strong><span style=\"font-size: 16px\">Ask us about Mortgages</span></strong></span></p>\n<div align=\"center\">\n	<div align=\"center\">\n		<a href=\"http://spokaneccu.mortgagewebcenter.com/Default.asp?bhcp=1\"><img alt=\"\" src=\"/upload_content/images/don\'t-wait-ad-square.gif\" style=\"width: 150px; height: 150px\" /></a></div>\n</div>\n<div align=\"center\">\n	&nbsp;</div>\n<div align=\"center\">\n	<strong><span style=\"color: #336633\"><span style=\"font-size: 14px\">Whether you are buying </span></span></strong><strong><span style=\"color: #336633\"><span style=\"font-size: 14px\">for the </span></span><span style=\"color: #336633\"><span style=\"font-size: 14px\">first time or looking </span></span></strong><strong><span style=\"color: #336633\"><span style=\"font-size: 14px\">to refinance, </span></span><span style=\"color: #336633\"><span style=\"font-size: 14px\">we have the right loan for you.</span></span></strong></div>','','',0),(180,48,6,'Swap Sheet: May 4, 2011','<!DOCTYPE html PUBLIC \"-//W3C//DTD XHTML 1.0 Transitional//EN\" \"http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd\">\r\n<html xmlns=\"http://www.w3.org/1999/xhtml\">\r\n<head>\r\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=iso-8859-1\" />\r\n<title>SCCU Swap Sheet, May 4, 2011</title>\r\n</head>\r\n\r\n<body leftmargin=\"0\" topmargin=\"0\" marginwidth=\"0\" marginheight=\"0\">\r\n<div align=\"center\">\r\n<IMG SRC=\'http://www.sccu.net/new/upload_content/gallery/gallery_2_48.jpg\' />\r\n<!-- MAP -->\r\n</div>\r\n</body>\r\n</html>\r\n',NULL,NULL,NULL),(166,9,6,'Swap Sheet: January 27, 2011','<div align=\"center\"><img src=\"http://www.sccu.net/upload_content/gallery/gallery_2_9.jpg\" alt=\"\" /> <!-- MAP --></div>','','',0),(168,11,6,'Swap Sheet: January 11, 2011','<div align=\"center\"><img src=\"http://www.sccu.net/upload_content/gallery/gallery_2_11.jpg\" alt=\"\" /> <!-- MAP --></div>','','',0),(193,60,6,'Swap Sheet: January 17, 2012','<!DOCTYPE html PUBLIC \"-//W3C//DTD XHTML 1.0 Transitional//EN\" \"http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd\">\r\n<html xmlns=\"http://www.w3.org/1999/xhtml\">\r\n<head>\r\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=iso-8859-1\" />\r\n<title>SCCU Swap Sheet, January 17, 2012</title>\r\n</head>\r\n\r\n<body leftmargin=\"0\" topmargin=\"0\" marginwidth=\"0\" marginheight=\"0\">\r\n<div align=\"center\">\r\n<IMG SRC=\'http://www.sccu.net/upload_content/gallery/gallery_2_60.jpg\' />\r\n<!-- MAP -->\r\n</div>\r\n</body>\r\n</html>\r\n',NULL,NULL,NULL),(169,12,6,'Swap Sheet: June 1, 2010','<!DOCTYPE html PUBLIC \"-//W3C//DTD XHTML 1.0 Transitional//EN\" \"http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd\">\r\n<html xmlns=\"http://www.w3.org/1999/xhtml\">\r\n<head>\r\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=iso-8859-1\" />\r\n<title>SCCU Swap Sheet, June 1, 2010</title>\r\n</head>\r\n\r\n<body leftmargin=\"0\" topmargin=\"0\" marginwidth=\"0\" marginheight=\"0\">\r\n<div align=\"center\">\r\n<IMG SRC=\'http://www.sccu.net/new/upload_content/gallery/gallery_1_12.jpg\' />\r\n<!-- MAP -->\r\n</div>\r\n</body>\r\n</html>\r\n',NULL,NULL,NULL),(170,13,6,'Swap Sheet: May 1, 2010','<!DOCTYPE html PUBLIC \"-//W3C//DTD XHTML 1.0 Transitional//EN\" \"http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd\">\r\n<html xmlns=\"http://www.w3.org/1999/xhtml\">\r\n<head>\r\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=iso-8859-1\" />\r\n<title>SCCU Swap Sheet, May 1, 2010</title>\r\n</head>\r\n\r\n<body leftmargin=\"0\" topmargin=\"0\" marginwidth=\"0\" marginheight=\"0\">\r\n<div align=\"center\">\r\n<IMG SRC=\'http://www.sccu.net/new/upload_content/gallery/gallery_2_13.jpg\' />\r\n<!-- MAP -->\r\n</div>\r\n</body>\r\n</html>\r\n',NULL,NULL,NULL),(171,14,6,'Swap Sheet: February 4, 2010','<div align=\"center\"><img src=\"http://www.sccu.net/upload_content/gallery/gallery_1_14.jpg\" alt=\"\" /> <!-- MAP --></div>','','',0),(189,56,6,'Swap Sheet: October 3,2011','<!DOCTYPE html PUBLIC \"-//W3C//DTD XHTML 1.0 Transitional//EN\" \"http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd\">\r\n<html xmlns=\"http://www.w3.org/1999/xhtml\">\r\n<head>\r\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=iso-8859-1\" />\r\n<title>SCCU Swap Sheet, October 3,2011</title>\r\n</head>\r\n\r\n<body leftmargin=\"0\" topmargin=\"0\" marginwidth=\"0\" marginheight=\"0\">\r\n<div align=\"center\">\r\n<IMG SRC=\'http://www.sccu.net/upload_content/gallery/gallery_2_56.jpg\' />\r\n<!-- MAP -->\r\n</div>\r\n</body>\r\n</html>\r\n',NULL,NULL,NULL),(172,38,6,'Swap Sheet: July 17, 2006','<!DOCTYPE html PUBLIC \"-//W3C//DTD XHTML 1.0 Transitional//EN\" \"http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd\">\r\n<html xmlns=\"http://www.w3.org/1999/xhtml\">\r\n<head>\r\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=iso-8859-1\" />\r\n<title>SCCU Swap Sheet, July 17, 2006</title>\r\n</head>\r\n\r\n<body leftmargin=\"0\" topmargin=\"0\" marginwidth=\"0\" marginheight=\"0\">\r\n<div align=\"center\">\r\n<IMG SRC=\'http://www.sccu.net/new/upload_content/gallery/gallery_1_38.pdf\' />\r\n<!-- MAP -->\r\n</div>\r\n</body>\r\n</html>\r\n',NULL,NULL,NULL),(173,43,6,'Swap Sheet: February 17, 2011','<div align=\"center\"><img alt=\"\" src=\"http://www.sccu.net/upload_content/gallery/gallery_2_43.jpg\" /> <!-- MAP --></div>','','',0),(177,46,6,'Swap Sheet: March 31, 2011','<!DOCTYPE html PUBLIC \"-//W3C//DTD XHTML 1.0 Transitional//EN\" \"http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd\">\r\n<html xmlns=\"http://www.w3.org/1999/xhtml\">\r\n<head>\r\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=iso-8859-1\" />\r\n<title>SCCU Swap Sheet, March 31, 2011</title>\r\n</head>\r\n\r\n<body leftmargin=\"0\" topmargin=\"0\" marginwidth=\"0\" marginheight=\"0\">\r\n<div align=\"center\">\r\n<IMG SRC=\'http://www.sccu.net/new/upload_content/gallery/gallery_2_46.jpg\' />\r\n<!-- MAP -->\r\n</div>\r\n</body>\r\n</html>\r\n',NULL,NULL,NULL),(174,NULL,0,'Forms & Information','<h3>\n	&nbsp;</h3>\n<h5>\n	<font color=\"#006633\" size=\"3\">Find your Credit Report, ATM Locations, Educational Tools, Kids Games and more below.</font></h5>\n<ul>\n	<li>\n		<font color=\"#000000\">Get your free Credit Report&nbsp;at </font><a href=\"https://www.annualcreditreport.com/cra/index.jsp\" target=\"_blank\"><font color=\"#006633\">AnnualCreditReport..com</font></a></li>\n	<li>\n		<font color=\"#000000\">Find the nearest Surcharge-Free ATM in the </font><a href=\"http://www.co-opfs.org/public/locators/atmlocator/index.cfm\" target=\"_blank\"><font color=\"#006633\">Co-Op Network&nbsp;</font></a></li>\n	<li>\n		<font color=\"#000000\">Get Financial Educational tools, games and more at </font><a href=\"http://www.balancetrack.org/\" target=\"_blank\"><font color=\"#006633\">BALANCE the Financial Educational Program</font></a></li>\n	<li>\n		<font color=\"#000000\">Visit the&nbsp;</font><a href=\"http://www.cusucceed.net/index.php\" target=\"_blank\"><font color=\"#006633\">CU Succeed Teen&nbsp;Financial Network</font></a><font color=\"#000000\"> for information on Colleges, Credit, Money and Jobs.</font></li>\n	<li>\n		<font color=\"#000000\">Vist the </font><a href=\"http://www.kirbykangaroo.com/\" target=\"_blank\"><font color=\"#006633\">Kirby Kangaroo Kids</font></a><font color=\"#000000\"> site</font></li>\n	<li>\n		<font color=\"#000000\">Click here for information on how to report a&nbsp;</font><a href=\"http://www.sccu.net/content.php?id=72#Lost_or_Stolen\"><font color=\"#006633\">lost or stolen Credit&nbsp;or Debit Card</font></a></li>\n</ul>','','_blank',0),(175,NULL,1,'Community Involvement','<h4>\n	In keeping with the credit union philosophy of &quot;people helping people,&quot; Spokane City Credit Union strives to give back to the communities to which we belong.&nbsp; Through direct financial support and/ or in-kind contributions, we take great joy in being an&nbsp;active partner and supporting&nbsp;local charities and organizations.</h4>\n<h2>\n	Audubon Elementary Student Savers Savings Club</h2>\n<p style=\"text-align: justify\">\n	Throughout the school year, Spokane City Credit Union partners with Audubon Elementary to help teach the value of saving to children in our community.&nbsp; Every Wednesday, a Spokane City Credit Union representative visits Audubon Elementary to collect deposits from children who have signed up for the program.&nbsp; Children can deposit as much as they want or as little as five cents.&nbsp; After a certain number of deposits, they earn a chance to spin our prize wheel and earn a prize.&nbsp; Our Student Savers just love watching their savings grow!</p>\n<p style=\"text-align: center\">\n	&nbsp;&nbsp; &nbsp;&nbsp; <img alt=\"\" src=\"/upload_content/images/Staff Shirts 2.jpg\" style=\"width: 238px; height: 150px\" />&nbsp;&nbsp; <img alt=\"\" src=\"/upload_content/images/Prize Wheel and Prizes.jpg\" style=\"width: 113px; height: 150px\" />&nbsp;&nbsp; <img alt=\"\" src=\"/upload_content/images/Savers Sign.jpg\" style=\"width: 211px; height: 150px\" /></p>\n<p style=\"text-align: right\">\n	&nbsp;</p>\n<h2>\n	Credit Union for Kids benefiting Children&#39;s Miracle Network</h2>\n<p style=\"text-align: justify\">\n	Twice a year, Spokane area credit unions join together in efforts to raise money for Children&#39;s Miracle Network of Hospitals.&nbsp; Going by the name Credit Unions for Kids, this group&nbsp;has raised money through selling tickets to Spokane Chiefs and Spokane Indians Baseball games, holding silent auctions the same events,&nbsp;collecting donations from its members, and more.&nbsp; Since its inception and thanks partly to your contributions, Credit Union for Kids has raised over $1.2 million benefiting local kids in need.&nbsp; From the bottom of our hearts, we thank you.</p>\n<p style=\"text-align: center\">\n	<img alt=\"\" src=\"/upload_content/images/Family.jpg\" style=\"width: 239px; height: 150px\" />&nbsp;&nbsp;&nbsp;<img alt=\"\" src=\"/upload_content/images/MedStar Tour Helicopter.jpg\" style=\"width: 149px; height: 150px\" />&nbsp; <img alt=\"\" src=\"/upload_content/images/Auction Jersey.jpg\" style=\"width: 267px; height: 150px\" /></p>\n<p style=\"text-align: right\">\n	<a href=\"https://cmnspokane.org/\" target=\"_blank\"><em>Click here to go to&nbsp;the Children&#39;s Miracle Network&nbsp;website</em></a></p>\n<p>\n	&nbsp;</p>\n<h2>\n	Inland Northwest Honor Flight</h2>\n<p style=\"text-align: justify\">\n	The Inland Northwest Honor Flight Network is a non-profit organization created solely to honor America&#39;s veterans for all their sacrifices. They raise money to transport our heroes to Washington, D.C. to visit and reflect at their memorials. Every year in March, SCCU help raise money for their cause.&nbsp; Also, we are currently selling Honor Flight t-shirts for a donation of $15 or more.&nbsp; We urge &nbsp;you to help us say &ldquo;thanks&rdquo; to America&rsquo;s heroes for their sacrifices.</p>\n<p>\n	<em>&quot;We can&#39;t all be heroes. Some of us have to sit on the curb and clap as they go by.&quot;&nbsp;&nbsp; - Will Rogers</em></p>\n<p style=\"text-align: center\">\n	<img alt=\"\" src=\"/upload_content/images/Holding Check.jpg\" style=\"width: 182px; height: 150px\" />&nbsp;&nbsp; <img alt=\"\" src=\"/upload_content/images/Display.jpg\" style=\"width: 200px; height: 150px\" />&nbsp;&nbsp; <img alt=\"\" src=\"/upload_content/images/With Patriots.jpg\" style=\"width: 118px; height: 150px\" /></p>\n<p style=\"text-align: right\">\n	<a href=\"http://www.inwhonorflight.org/\" target=\"_blank\"><em>Click here to go to the Inland Northwest Honor Flight website</em></a></p>\n<p style=\"text-align: center\">\n	&nbsp;</p>\n<h2>\n	Make A Splash In a Kids Life</h2>\n<p style=\"text-align: justify\">\n	Help make this a summer to remember for our local children. &nbsp;Make A Splash In a Kids Life helps children in the Spokane area by giving them a chance to learn how to swim and helps them gain access our local pools by providing them with pool passes and the apparel needed to be safe.&nbsp; Spokane City Credit Union believes that every child should have a chance to make a splash.&nbsp; That is why we have supported Make A Splash. since 2007. &nbsp;</p>\n<p style=\"text-align: center\">\n	<img alt=\"\" src=\"/upload_content/images/Big Check (2).jpg\" style=\"width: 170px; height: 120px\" />&nbsp;&nbsp;&nbsp;<img alt=\"\" src=\"/upload_content/images/Swim Suits Hanging.jpg\" style=\"width: 306px; height: 120px\" />&nbsp;&nbsp;&nbsp; <img alt=\"\" src=\"/upload_content/images/Swim sorting 2.JPG\" style=\"width: 213px; height: 120px\" /></p>\n<p style=\"text-align: right\">\n	<a href=\"http://spokaneparksfoundation.org/\" target=\"_blank\"><em>Click here to go to the Spokane Parks Foundation website</em></a></p>\n<p style=\"text-align: center\">\n	&nbsp;</p>\n<p>\n	&nbsp;</p>','','',4),(176,44,6,'Swap Sheet: March 11, 2011','<!DOCTYPE html PUBLIC \"-//W3C//DTD XHTML 1.0 Transitional//EN\" \"http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd\">\r\n<html xmlns=\"http://www.w3.org/1999/xhtml\">\r\n<head>\r\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=iso-8859-1\" />\r\n<title>SCCU Swap Sheet, March 11, 2011</title>\r\n</head>\r\n\r\n<body leftmargin=\"0\" topmargin=\"0\" marginwidth=\"0\" marginheight=\"0\">\r\n<div align=\"center\">\r\n<IMG SRC=\'http://www.sccu.net/new/upload_content/gallery/gallery_2_44.jpg\' />\r\n<!-- MAP -->\r\n</div>\r\n</body>\r\n</html>\r\n',NULL,NULL,NULL),(202,NULL,4,'Mobile Banking','<p><b>Mobile banking... smarter banking for smart phones</b></p>\n\n<p>A way for you to enjoy your membership anytime and from anywhere with your iPhone and Android (phone and tablets).</p>\n\n<p>Free app at the iTunes App Store and Google Play Store</p>\n\n<p>Once you are enrolled in Internet Home Banking and downloaded the app you will have access to:</p>\n\n<ul>\n	<li>View balances and transactions in your account</li>\n	<li>Move money - transfer, pay bills, make loan payments</li>\n	<li>COMING: deposit checks. This feature will be available in the fall of 2015.</li>\n</ul>\n\n<div style=\"height:59px; width:207px; display:block; float:left; margin-top:30px; margin-left:100px;\"><a href=\"https://xp.apple.com/report/2/its_mail_sf?emailType=share_iosSoftware&lang=en_us&eventType=linkClick&responseType=redirect&redirectUrl=https://itunes.apple.com/us/app/spokane-city-credit-union/id969162884?mt=8\" target=\"_blank\"><img src=\"images/BTN_itunesstore.png\" /></a></div>\n\n<div style=\"height:59px; width:200px; display:block; float:left; margin-top:30px; margin-left:50px;\"><a href=\"https://play.google.com/store/apps/details?id=com.harlandfs.ofx.mobile.fiid325182373\" target=\"_blank\"><img src=\"images/BTN_googleplay.png\" /></a></div>','','',20),(203,NULL,0,'Before foreclosure, know your options','<p><b>Low-cost resources are available to help homeowners</b></p>\n\n<h3>Seeking assistance</h3>\n\n<p>Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following:</p>\n\n<ul>\n  <li>The statewide foreclosure hotline recommended by the Housing Finance Commission:<br>\n    <b>Toll-free 1-877-894-HOME (1-877-894-4663)</b><br>\n	<a href=\"http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm\" target=\"_blank\">http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm</a><br><br>\n  </li>\n  <li>The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys:<br> \n    <b>Toll-free: 1-888-201-1014</b><br>\n    <a href=\"http://nwjustice.org/what-clear\" target=\"_blank\">http://nwjustice.org/what-clear</a><br><br>\n  <li>United States Department of Housing and Urban Development:<br>\n    <b>Toll-free: 1-877-741-3281<br>\n    Local counseling agencies in Washington:</b><br>\n    <a href=\"http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&searchstate=WA&filterSvc=dfc\" target=\"_blank\">http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&searchstate=WA&filterSvc=dfc</a><br><br></li>\n</ul>\n<p><i>Not everyone offers the same services. Explore the options and find one that meets your specific needs.</i></p>','','',0),(205,NULL,0,'Buying vs. Renting','<div style=\"width: 700px; height: 954px; margin:30px 0 0 0; background:url(/upload_content/promotions/MORTGAGE_ThinkYouCantAffordToBuy.png) top left no-repeat;\" /><input type=\"button\" onclick=\"window.location.href=\'https://spokaneccu.mortgagewebcenter.com/\'\" value=\"Start Here\" style=\"height:65px; width:200px; display:block; position:relative; top:720px; left:80px; background-color:#C00; font-size:20px; font-weight:bold; color:#FFF; border:none; cursor:pointer;\">\n</div>','','_self',0),(206,NULL,0,'SCCU Home Loans','<div style=\"width: 700px; height: 954px; margin:50px 0 0 0;\" />\n<div style=\"height:60px; width:700px; display:block; background:#000;\"><h1 style=\"text-align:center; font-family:Arial, Helvetica, sans-serif; font-size:36px; color:#FFF; line-height:60px;\">How much home do you qualify for?</h1></div>\n<div style=\"height:468px; width:700px; display:block; background:url(/upload_content/promotions/MORTGAGE_HowMuchHome.png) top left no-repeat;\"></div>\n<div style=\"width:700px; margin:20px 0 0 0;\">\n  <h3 style=\"text-align:center; font-size:18px; line-height:normal; font-family:Arial, Helvetica, sans-serif; color:#000;\">Interest rates can effect your loan amount and how much home you can afford.</h3>\n  <p>Your credit history, the type of mortgage you choose, loan amount, and current market conditions are all things that affect your interest rate.</p>\n  <p>In addition to the interest rate, the loan amount and sales price you qualify for is degtermined by your income, and monthly debt. However, there are many options available that will allow you to purchase a home with less cash required and a lower payment.</p>\n  <h3 style=\"text-align:center; font-size:18px; line-height:normal; font-family:Arial, Helvetica, sans-serif; color:#000;\">Call SCCU today to see how much home you qualify for! </h3>\n  <h2 style=\"font-size:36px; text-align:center; line-height:60px; font-family:Arial, Helvetica, sans-serif; color:#000;\">(509) 325-4444</h2>\n  <p style=\"text-align:center;\"><input type=\"button\" onclick=\"window.location.href=\'https://spokaneccu.mortgagewebcenter.com/\'\" value=\"Learn More\" style=\"height:65px; width:200px; display:block; margin:40px auto 40px auto; background-color:#C00; font-size:20px; font-weight:bold; color:#FFF; border:none; cursor:pointer;\">\n  <p><img src=\"/upload_content/images/Equal_Housing_logo.jpg\" border=\"0\" style=\"width:50px; height:47px; float:left; margin:0 15px 0 0;\" />This is not an offer to extend consumer credit as defined by Section 1026.2 of Regulation Z. Rates and terms are subject to change. Home Loans are provided by partnership with CU Members Mortgage a division of Colonial Savings, F.A.  NMLS#401285.</p>\n</div>\n</div>','','',0),(207,NULL,0,'The Smart Option Student Loan&reg; for SCCU Members by Sallie Mae&reg;','<p>For borrowers attending degree-granting institutions. </p>\n\n<div style=\"width:700px; height:203px; display:block; background: #e4eff4; margin:30px 0 0 0;\">\n  <div style=\"height: auto; width:370px; display:block; float:left; padding:10px; 0 0 0;\">\n    <table width=\"100%\" border=\"0\" cellpadding=\"0\" cellspacing=\"0\">\n    <tr>\n      <td width=\"170\" style=\"border-collapse:collapse;\"><img src=\"images/partner_logo.png\" width=\"157\" height=\"62\" border=\"0\" style=\"display:block;\" alt=\"Spokane City Credit Union\" /></td>\n      <td style=\"border-collapse:collapse;\"><img src=\"images/SM.png\" width=\"173\" height=\"51\" border=\"0\" style=\"display:block; margin-top:5px;\" alt=\"in partnership with Sallie Mae\" /></td>\n    </tr>\n    </table>\n    <p style=\"font-family:Arial, Helvetica, sans-serif; font-size:20px; font-weight:bold; line-height:22px;\">Take control of your college financing<br />\n    <span style=\"font-size:15px; font-weight:normal;\">Smart Option Student Loan&reg; by Sallie Mae&reg;</span></p>\n	<table width=\"100%\" border=\"0\" cellpadding=\"0\" cellspacing=\"0\" style=\"margin-top:-5px;\">\n      <tr>\n        <td>\n    		<a href=\"https://www.salliemae.com/smartoption/sccu\" style=\"text-decoration:none;\" target=\"_blank\" title=\"Get Started\"><img src=\"images/button1.png\" width=\"125\" height=\"38\" border=\"0\" style=\"display:block;\" alt=\"Get Started\" /></a>\n        </td>\n      </tr>\n    </table>\n  </div>\n  <div style=\"height:203px; width:201px; display:block; margin:0 0 0 0; float:right; background-image: url(images/grad.png)\"></div>\n</div>\n\n<p>Now you can pay for college the smart way with three great repayment options and competitive interest rates! </p>\n<p>This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.</p>\n<h2>The Smart Option Student Loan<sup>&reg;</sup> features and benefits:</h2>\n<ul>\n  <li>Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility</li>\n  <li>No origination fee and no prepayment penalty</li>\n  <li>Rewards and interest rate reductions available</li>\n  <li> Rates that reward creditworthy borrowers</li>\n  <li>Applying with a creditworthy cosigner may help you qualify</li>\n  <li>100% US-based Student Loan Specialists</li>\n</ul>\n<p>&nbsp;</p>\n<p><a href=\"https://www.salliemae.com/smartoption/sccu\" style=\"text-decoration:none;\" target=\"_blank\" title=\"Get Started\"><img src=\"images/BTN_getstarted.png\" width=\"125\" height=\"38\" border=\"0\" style=\"display:block; float:right;\" alt=\"Get Started\" /></a>\n</p>','','',0);

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INSERT INTO `content_main_new` VALUES (1,0,0,'About Us','About Us','<h5>Mission Statement</h5>\n\n<p>The mission statement of this credit union is to prudently promote and serve the genuine financial needs of our members with trust, education, and dignity.</p>\n\n<h5>History</h5>\n\n<p>Founded in 1934, Spokane City Credit Union first began as an occupational based credit union for City employees. Originally called City Employees Credit Union of Spokane, our goal was to provide premium services while providing friendly customer service. In 1978, the membership was broadened to include employees of the Spokane Transit Authority. A few years later in 1980, we changed our name to Spokane City Credit Union and extended our membership to anyone who lives, works, worships, or goes to school in the State of Washington.</p>\n\n<p>Although we have grown throughout the years, we have never lost focus of our goal. &nbsp;Members of this credit union have access to a wide range of services and benefits. These have evolved through time to provide the highest quality of financial services and competitive interest rates.</p>\n\n<p>Spokane City Credit Union, a non-profit financial cooperative, is incorporated by the State of Washington. This credit union&#39; bylaws define our purpose to &#39;&#39;promote thrift among its members and create a source of credit for them at legitimate rates of interest for provident, productive, and educational purposes.&#39;&#39;</p>\n\n<h5>The Credit Union Difference</h5>\n\n<p>In 1935, when credit unions were helping Americans through the Great Depression, the treasurer of a Midwestern credit union said that credit unions were &quot;not for profit, not for charity, but for service,&quot; and that philosophy holds true today.</p>\n\n<p>Credit unions continue to look out for their members&#39; interests and provide a level of service that is not generally available at other financial institutions. Whether it&#39;s providing a loan to help a member cover unexpected medical bills, giving financial counseling to a member whose company closed its doors, or simply offering a better deal on a used car loan, credit unions make a difference for their members and the communities they serve.</p>','about-us',0,NULL,NULL,NULL,'About Us','test keywords','test description','ICON_about.png',0),(2,0,0,'Become a Member','Join Today!','<p>Since our beginning in 1934, Spokane City Credit Union has been dedicated to offering the same friendly, convenient service that has become our trademark.&nbsp; Come in and see for yourself.</p>\n\n<p>Spokane City Credit Union Membership will afford you many opportunities:</p>\n\n<ul>\n	<li>Great, Competitive Loan Rates</li>\n	<li>Access to Online Banking</li>\n	<li>One of the largest networks of ATM&#39;s</li>\n	<li>Superb Member Service</li>\n	<li>Free Checking</li>\n	<li>High Yield Certificates</li>\n	<li>A Full Line of Investment Products</li>\n	<li>Mortgage and Home Loan products and MORE!</li>\n</ul>\n\n<p>Looking for more information?&nbsp; Contact a Member Service Representative at (509) 325-7228 or email us at <a href=\"mailto:memberservices@sccu.net\" title=\"email us at memberservices@sccu.net\">memberservices@sccu.net</a>.</p>\n\n<p>If you are in the neighborhood, stop in with your $20.00 membership fee, and let one of our friendly Member Service Representatives assist you in starting a great financial relationship with Spokane City Credit Union.</p>','become-a-member',0,NULL,NULL,NULL,'Become a Member','','','',0),(3,0,0,'Community Involvement','Community Involvement','<p>In keeping with the credit union philosophy of \"people helping people,\" Spokane City Credit Union strives to give back to the communities to which we belong.&nbsp;&nbsp;Through direct financial support and/ or in-kind contributions, we take great joy in being an&nbsp;active partner and supporting&nbsp;local charities and organizations.</p>\n\n<h5>Credit Union for Kids benefiting Children\'s Miracle Network</h5>\n\n<p>Twice a year, Spokane area credit unions join together in efforts to raise money for Children\'s Miracle Network of Hospitals. Going by the name Credit Unions for Kids, this group has raised money through selling tickets to Spokane Chiefs and Spokane Indians Baseball games, holding silent auctions the same events, collecting donations from its members, and more. &nbsp;Since its inception and thanks partly to your contributions, Credit Union for Kids has raised over $1.2 million benefiting local kids in need. From the bottom of our hearts, we thank you.</p>\n\n<h5>The Spokane Public Library Foundation</h5>\n\n<p>The Foundation supports the strategic directions of the library and helps to build and encourage partnerships that strengthen our community. The Spokane Public Library Foundation\'s primary mission is to enhance programming, services and resources offered by the Spokane Public Library through advocacy, partnerships and private dollars to ensure the library\'s excellence.</p>\n<p><a href=\"http://www.spokanelibraryfoundation.org/\" target=\"_blank\" title=\"Click here to go to The Spokane Public Library Foundation website\" data-warning >Click here to go to the Spokane Library Foundation website.</a></p>\n\n<h5>Make A Splash In a Kids Life</h5>\n\n<p>Help make this a summer to remember for our local children. Make A Splash In a Kids Life helps children in the Spokane area by giving them a chance to learn how to swim and helps them gain access our local pools by providing them with pool passes and the apparel needed to be safe. Spokane City Credit Union believes that every child should have a chance to make a splash. &nbsp;That is why we have supported Make A Splash. since 2007.</p>\n\n<p><a href=\"http://spokaneparksfoundation.org/\" target=\"_blank\" title=\"Click here to go to the Spokane Parks Foundation website\" data-warning >Click here to go to the Spokane Parks Foundation website.</a></p>\n\n<h5>Member of the North Monroe Business District</h5>\n\n<p><a href=\"http://www.knowmonroe.com/\" target=\"_blank\" title=\"Visit the North Monroe Business District website\" data-warning><img src=\"https://www.sccu.net/upload_content/new-site/PIC_knowmonroe.png\" style=\"float:left; margin:0 10px 0 0;\" /></a>Know Monroe is an initiative of the North Monroe Business District (established 2006), a voluntary advocacy and outreach association of business and property owners along the North Monroe corridor. The North Monroe Business District is committed to serving patrons with an incredible variety of goods and services. Visit <a href=\"http://www.knowmonroe.com/\" target=\"_blank\" title=\"Visit the North Monroe Business District website\" data-warning>www.knowmonroe.com</a> to learn more.</p>','community-involvement',0,NULL,NULL,NULL,'Community Involvement','','','ICON_community.png',0),(4,0,0,'Board, Volunteers & Employees','Volunteers & Employees','<div class=\"grid-40 tablet-grid-75\">\n<h5>Board of Directors</h5>\n\n<p>Harry A. McLean, Jr., Director<br />\nGene Jakubczak, Chairperson<br />\nDavid Eash, Vice-Chairperson<br />\nEd Bowers, Treasurer<br />\nCorin Morse, Secretary<br />\nDale Arnold, Director<br />\nJerry Niepomnik, Director<br />\nEd Lukas, Associate Director<br />\nIan White, Associate Director</p>\n\n<h5>Supervisory Committee</h5>\n\n<p>Dave Christiansen, Chairperson<br />\nVincent Beck<br />\nChuck Zigmund</p>\n</div>\n\n<div class=\"grid-40 tablet-grid-75\">\n<h5>Employees</h5>\n\n<p>Gene Fitzpatrick, President<br />\n<a href=\"mailto:gfitzpatrick@sccu.net\" title=\"Gene Fitzpatrick\">gfitzpatrick@sccu.net</a></p>\n\n<p>Kathy Meagley, Operations Supervisor<br />\n<a href=\"mailto:kmeagley@sccu.net\" title=\"Kathy Meagley\">kmeagley@sccu.net</a></p>\n\n<p>Kathy Holmes, Loan Supervisor<br />\n<a href=\"mailto:kholmes@sccu.net\" title=\"Kathy Holmes\">kholmes@sccu.net</a></p>\n\n<p>Jamie Forbes, Loan Officer<br />\n<a href=\"mailto:jforbes@sccu.net\" title=\"Jamie Forbes\">jforbes@sccu.net</a></p>\n\n<p>Tim Lieske, Loan Officer<br />\n<a href=\"mailto:tlieske@sccu.net\" title=\"Tim Lieske\">tlieske@sccu.net</a></p>\n\n<p>Shannon Chapman, Member Service Specialist<br />\n<a href=\"mailto:schapman@sccu.net\" title=\"Shannon Chapman\">schapman@sccu.net</a></p>\n\n<p>Jon Belch, Member Service Representative<br />\n<a href=\"mailto:jbelch@sccu.net\" title=\"Jon Belch\">jbelch@sccu.net</a></p>\n\n<p>Colleen Johnson, Member Service Representative<br />\n<a href=\"mailto:cjohnson@sccu.net\" title=\"Colleen Johnson\">cjohnson@sccu.net </a></p>\n\n<p>Debbie Prindle, Member Service Specialist<br />\n<a href=\"mailto:dprindle@sccu.net\" title=\"Debbie Prindle\">dprindle@sccu.net</a></p>\n\n<p>Helen Reynold, Accounting Clerk<br />\n<a href=\"mailto:hreynolds@sccu.net\" title=\"Helen Reynold\">hreynolds@sccu.net</a></p>\n</div>','board-volunteers-employees',0,NULL,NULL,NULL,'Volunteers & Employees','','','ICON_board.png',0),(5,0,0,'Contact Us','Contact Us','<h5>Location</h5>\n\n<address>\n<div class=\"vcard\">\n<div class=\"org\"><a href=\"https://goo.gl/maps/LRmQSYcv8q92\" target=\"_blank\" title=\"Find us on Google Maps\">Spokane City Credit Union</a></div>\n\n<div class=\"adr\"><a href=\"https://goo.gl/maps/LRmQSYcv8q92\">1930 N. Monroe St.<br />\nSpokane, WA 99205 USA </a></div>\n</div>\n</address>\n\n<h5>Member Services:</h5>\n\n<address>\n<div class=\"vcard\">\n<p>E-Mail: <a class=\"email\" href=\"mailto:memberservices@sccu.net\" target=\"_blank\" title=\"Email us at memberservices@sccu.net\">memberservices@sccu.net</a><br />\nPhone: <a class=\"tel\" href=\"tel: 15093257228\">(509) 325-7228</a></p>\n\n<p>Mailing Address:</p>\n\n<div class=\"org\">Spokane City Credit Union</div>\n\n<div class=\"title\">attn: Member Services</div>\n\n<div class=\"adr\">P.O. Box 9639<br />\nSpokane, WA 99209 USA</div>\n\n<p>&nbsp;</p>\n</div>\n</address>\n\n<h5>Loan Department:</h5>\n\n<address>\n<div class=\"vcard\">\n<p>E-Mail: <a class=\"email\" href=\"mailto:loandepartment@sccu.net\" target=\"_blank\" title=\"Email us at loandepartment@sccu.net\">loandepartment@sccu.net</a><br />\nPhone: <a class=\"tel\" href=\"tel: 15093254444\">(509) 325-4444</a></p>\n\n<p>Mailing Address:</p>\n\n<div class=\"org\">Spokane City Credit Union</div>\n\n<div class=\"title\">attn: Loan Department</div>\n\n<div class=\"adr\">P.O. Box 9639<br />\nSpokane, WA 99209 USA</div>\n\n<p>&nbsp;</p>\n</div>\n</address>\n\n<h5>Find us on Social Media</h5>\n\n<p>Like us on <a href=\"http://www.facebook.com/pages/Spokane-City-Credit-Union-SCCU/218547064922408?sk=app_417421184936069\" target=\"_blank\" title=\"Like us on Facebook\">Facebook</a><br />\nVisit us on <a href=\"https://plus.google.com/100191625714084552756\" target=\"_blank\" title=\"Visit us on Google \">Google </a></p>','contact-us',0,NULL,NULL,NULL,'Contact Us','','','ICON_contact_green.png',0),(6,0,0,'News & Events','News & Events','<h5>American Income Life Insurance (AIL)</h5>\n\n<p>August 22, 2019</p>\n\n<p><a href=\"/upload_content/pdfs/AIL-2019.pdf\" target=\"_blank\" title=\"Click to Enlarge\"><img src=\"/upload_content/Banner_AIL.png\" style=\"display:block; float:right; margin:10px; max-width:30%;\" /></a>SCCU is pleased to announce that American Income Life Insurance (AIL) is our preferred provider of Accidental Death and Dismemberment Insurance (commonly known as AD&amp;D). AIL has been providing insurance products to credit union members around the nation for many years. SCCU has joined their network of credit unions to bring AD&amp;D Insurance and other products to you.</p>\n\n<p>In the next 90 days you will receive a letter from AIL. This letter will explain your AD&amp;D coverage and other insurance options. If you are interested in what they have to offer, return your beneficiary card and an AIL agent will contact you.</p>\n\n<p>&nbsp;</p>\n\n<h5>Intruducing Spend and Save</h5>\n\n<p>&nbsp;</p>\n\n<p>June 21, 2019</p>\n\n<p>SCCU has a great new product for you. This allows you to go about your day buying groceries, getting gas or shopping downtown and put money in savings at the same time.</p>\n\n<p>We call it <span style=\"color:#008D39\"><strong><em>Spend and Save!</em></strong></span></p>\n\n<p><strong>How does it work?</strong> When you use your SCCU Debit Card to buy groceries (say $27.89) the charge will round up the total to the next dollar ($28.00). The grocery store will get paid $27.89 and 11 cents will go back to you. Think of how many times you use your Debit Card during the week. Over time, a dime here, fifty cents there, etc. it adds up to real money. It&#39;s your money, so keep the change and earn interest on it.</p>\n\n<p><strong><em>Spend and Save is the digital way of saving your change.</em></strong> You still may have a jar on the shelf that&#39;s partially full of nickels and dimes. Every now and then you take the change and spend it or give it to the kids. With Spend and Save, you no longer have to empty your pockets and put it in the jar. We do that for you.</p>\n\n<p>How do I get Spend and Save? It&#39;s easy, call us at 325-7228 or use Live Chat at sccu.net. We can set you up in a couple of minutes. We will go over the options you have. Options? Yes, you can put the money in Savings, Money Market, Holiday or &quot;Linked&quot; Accounts.</p>\n\n<p>When does the money go into my account? Every day during the week. Transactions over the weekend are put in on Monday. Each deposit is labeled as Spend and Save.</p>\n\n<p>What is the cost of this feature? $0.00, nothing, zilch, because you are with <strong>SCCU</strong>, not a bank.</p>\n\n<p>There are two things you can do with your money &ndash; spend it or save it. Now you can do both at the same time with <strong>Spend and Save</strong> at SCCU.</p>\n\n<p>Contact us today to get set up and start you saving money when you spend.</p>\n\n<p><em>Note: Spend and Save only works with your SCCU Debit Card.</em></p>\n\n<h5>2018/19 Holiday Schedule</h5>\n\n<p>January 1, 2019 &ndash; New Year&rsquo;s Day</p>\n\n<p>January 21, 2019 &ndash; Martin Luther King, Jr. birthday observed</p>\n\n<p>February 18, 2019 &ndash; President&rsquo;s Day</p>\n\n<p>May 27, 2019 &ndash; Memorial Day</p>\n\n<p>July 4, 2019 &ndash; Independence Day</p>\n\n<p>September 2, 2019 &ndash; Labor Day</p>\n\n<p>November 11, 2019 &ndash; Veteran&rsquo;s Day</p>\n\n<p>November 28 and 29, 2019 &ndash; Thanksgiving Holiday</p>\n\n<p>December 25, 2019 &ndash; Christmas Day</p>\n\n<p>January 1, 2020 &ndash; New Years Day</p>','news-and-events',0,NULL,NULL,NULL,'News & Events','','','ICON_news-and-events.png',0),(122,0,0,'Disclosures - E-Sign Act','E-Sign Act','<h5> E-Sign Act Consent and Disclosure </h5>\n<p>This E-SIGN Act Consent and  Disclosure provides important information required by the Electronic Signatures  in Global and National Commerce Act (E-SIGN Act) and applies to your consent to  and the electronic delivery of all communications and required agreements and  disclosures relating to your applications for a new account, a new loan  application* and other related products and services with Spokane City Credit  Union. </p>\n\n<p>This disclosure is to provide  you with your rights under the Electronic Signatures and National Commerce Act  (E-SIGN). To the extent allowed by law, you agree that any communication from  us to you relating to the online opening of your account, the online  application for your loan* and other related products and services including  but not limited to, disclosures, notices, statements, agreements, confirmations  or other information required to be delivered under applicable law, may be  delivered to you by electronic delivery, and that such electronic delivery  shall be in lieu of written communication. </p>\n\n<p>You have the right to request  paper copies of the electronic disclosures and agreements you receive when you  open your online account, submit your online loan application and apply for  other related products and services. You may request paper copies by: </p>\n\n<p>Writing us at:<br />\nSpokane City Credit Union<br />\n1930 N Monroe<br />\nSpokane, WA 99205</p>\n\n<p>Or, emailing us at:<br />\n<a href=\"mailto:memberservices@sccu.net\">memberservices@sccu.net</a> or <a href=\"mailto:loandepartment@sccu.net\">loandepartment@sccu.net</a></p>\n\n<p><strong>Email Address and Keeping  Your Information Current </strong>- In order  to communicate with you regarding your membership, account(s), loan* and any  related products and services you have requested, you must provide us with your  valid email address. It is your responsibility to promptly notify us of any  changes. You can update your email address by either calling us at 509  325-7228, via your Internet Home Banking session, by submitting your change to  us in writing via mail to Spokane City Credit Union, 1930 N Monroe, Spokane, WA  99205 or in person at the Credit Union. </p>\n\n<p><strong>Print and Download  Agreements and Disclosures </strong>- Most  information on and within our website is provided in either HTML and/or PDF  format. For those agreements, disclosures, forms, notices, and other documents  provided/available in PDF format, Adobe Acrobat Reader - A free copy of the  most current version of Adobe Acrobat Reader may be obtained from the Adobe website at <a href=\"http://www.adobe.com\" data-warning=\"\">http://www.adobe.com</a>.</p>\n\n<p>To print or download agreements  and disclosures and other documents you must have a printer connected to your  computer or have sufficient hard-drive space on your computer to download,  store and view the information. To print, click on the document HTML or PDF  link, select Print, select your Printer, and click OK to print to your printer  where the document can be printed on your own paper, or select Save or Save As  to save and retain an electronic copy on your computer.</p>\n\n<p><strong>Hardware and Software Requirements </strong>- You must have access to a computer  with browser software such as Microsoft Internet Explorer; Adobe Acrobat  Reader; Internet access, and an active/operating email address (at your cost).  Your computer needs to support the following requirements: An operating system,  such as the most current version of Microsoft or Macintosh and; access to the  Internet and an Internet browser which supports the most current versions of  Internet Explorer, Firefox, Chrome or Safari.</p>\n\n<p>Other Internet browsers may be used, but are not supported.</p>\n\n<p><strong>By affirmatively consenting, you confirm  that you have access to the necessary hardware and software.</strong></p>\n\n<p><strong>All Agreements and  Disclosures Are &ldquo;In Writing&rdquo; </strong>- This  and all agreements and disclosures delivered electronically or otherwise made  available to you are considered &ldquo;in writing&rdquo; and are available to you in a form  you may keep by either printing or downloading the documents, or by requesting  a paper copy from us.</p>\n\n<p><strong>Withdrawing Consent </strong>&ndash; You have the right to withdraw your electronic  consent to conduct business electronically with us by telephoning us at 509 325-7228.  If you withdraw your consent you may not be able to open additional accounts or request additional products and services online, or view or print/download this  or the above listed agreements and disclosures through our website.</p>\n\n<p><strong>Applicability of Consent </strong>- Your electronic consent to conduct business  electronically applies to establishing your membership, the opening of your new  account(s), your online loan application*and your request for other Spokane City Credit Union products and services.</p>\n\n<p>By clicking on the &ldquo;<strong>SUBMIT</strong>&rdquo; button within each  product or service request, you affirmatively consent to conduct business  electronically with Spokane City Credit Union in connection with your online  membership application, online loan application* or other product or service  which may require electronic consent. You also agree to the receipt of all  agreements and disclosures electronically.</p>\n\n<p>* Home Loan applications are only received through the  website at this time through MortgageClick software. The online application  process requires the applicant to go through specific steps if they wish to  receive electronic documents regarding the home loan.</p>','e-sign-act',0,NULL,NULL,NULL,'E-Sign Act','','','ICON_disclosures.png',0),(118,0,0,'Get Away Giveaway Contest Rules','Get-Away Give-Away Official Contest Rules','<p>Spokane City Credit Union located at 1930 N Monroe Street in Spokane, WA 99205 is giving away $2,500.00 in $500 increments to five people.&nbsp; You must have an account in Good Standing with Spokane City Credit Union to participate in this drawing.&nbsp; All entries must be submitted by SCCU lending staff.&nbsp;&nbsp; No entries will be accepted by any other means.&nbsp; All entries must be received by 5:00 PM, Pacific Time on September 14, 2018.&nbsp; The offer is void to non-members of Spokane City Credit Union.&nbsp; Employees and volunteers of SCCU are not eligible to participate.&nbsp; All entries must be from a natural person.&nbsp; One entry for every $5,000.00 in loan balances in qualifying loans.&nbsp; Qualifying loans <u>do not include</u> Credit Cards, Personal Unsecured Loans/Lines of Credit, Loans/Lines of Credit Secured by Real Estate.&nbsp; No refinance of existing SCCU loans allowed.&nbsp; Must be 18 years or older to enter.&nbsp; The total value is $2,500.00 for five winners of $500.00 each.&nbsp; The cash, will be deposited into the members account at Spokane City Credit Union.&nbsp; It cannot be exchanged for merchandise.&nbsp; The odds of winning depend on the number of valid entries received in the promotion period which runs from 9:00 AM Pacific Time on July 16, 2018 through 4:59 PM Pacific Time on September 14, 2018.&nbsp; The five winners will be selected from all valid entries received by random drawing on September 19, 2018.&nbsp; The winner need not be present at SCCU to win.&nbsp; The winner will be notified by phone no later than September 21, 2018.&nbsp;&nbsp; The name of the winner may be used by SCCU in its promotional materials and on its website and social media sites for a period not to exceed one year, ending September 21, 2019. By submitting an entry, you consent to receiving information from SCCU including information regarding its products, services and special offers by email and/or postal mail. You may opt-out of the receipt of such information at any time by following the instructions in the email or by contacting SCCU in writing at the address shown above.&nbsp; The winner is responsible for any and all applicable taxes and fees owed to the US Government and/or the States of Washington or Idaho.&nbsp; A list of winners is available by written request mailed to Spokane City Credit Union, PO Box 9639, Spokane, WA 99209.</p>','get-away-giveaway',0,NULL,NULL,NULL,'Spokane City Credit Union (SCCU) 2018 Get-Away Give-Away Official Contest Rules','','','ICON_forms_white.png',0),(7,0,0,'Promotions','Promotions','','promotions',0,NULL,NULL,NULL,'Promotions','','',NULL,0),(8,0,0,'Forms & Info','Forms & Info','<p>Find your Credit Report, ATM Locations, Educational Tools, Kids Games and more below.</p>\n\n<h5><a class=\"text-black\" href=\"https://www.annualcreditreport.com/cra/index.jsp\" style=\"line-height:40px;\" target=\"_blank\" title=\"This link opens a third-party website not affiliated with SCCU.\" data-warning >Get your free Credit Report at AnnualCreditReport.com</a><br />\n\n<a class=\"text-black\" href=\"https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1\" style=\"line-height:40px;\" target=\"_blank\" title=\"This link opens a third-party website not affiliated with SCCU.\" data-warning >Find the nearest Surcharge-Free ATM in the Co-Op Network</a><br />\n<a class=\"text-black\" href=\"https://sccu.balancepro.org/\" style=\"line-height:40px;\" target=\"_blank\" title=\"This link opens a third-party website not affiliated with SCCU.\" data-warning >Get Financial Educational tools, games and more at BALANCE the Financial Educational Program</a><br />\n<a class=\"text-black\" href=\"checking-accounts#report-lost-or-stolen-card\" style=\"line-height:40px;\">Click here for information on how to report lost or stolen Credit or Debit Card</a><br />\n<a class=\"text-black\" href=\"upload_content/files/ACH_Automatic_Payment_Form.pdf\" style=\"line-height:40px;\">Click here to download our ACH Authorization Form to set up automatic loan payments</a><br /><br>\nSCCU\'s Routing & Transit Number is: 325182373</h5>','forms-and-information',0,NULL,NULL,NULL,'Forms & Info','','','ICON_forms.png',0),(9,0,0,'Apply Online','Apply Online','<h5 class=\"text-black\"><a href=\"content-join.php#membership-application\" class=\"text-black\" title=\"Apply for Membership\" style=\"line-height:40px;\">Apply for Membership</a><br />\n<a href=\"https://www.loanliner.com/LoanRequest/CLPPresenter/GettingStarted.aspx?CUID=14600454&LoanFormId=6605301709282121300&ChannelId=3237804504296170517&LocationId=2930124303177191838&IsFramed=F\" target=\"_blank\" class=\"text-black\"title=\"Apply for an Auto Loan\" style=\"line-height:40px;\">Apply for an Auto Loan</a><br />\n<a href=\"https://www.loanliner.com/LoanRequest/CLPPresenter/GettingStarted.aspx?CUID=14600454&LoanFormId=6147570009282121250&ChannelId=3237804504296170517&LocationId=2930124303177191838&IsFramed=F\" target=\"_blank\" class=\"text-black\" title=\"Apply for a Motorcycle or Snowmobile Loan\" style=\"line-height:40px;\">Apply for a Motorcycle or Snowmobile Loan</a><br />\n<a href=\"https://www.loanliner.com/LoanRequest/CLPPresenter/GettingStarted.aspx?CUID=14600454&LoanFormId=2989578309282121247&ChannelId=3237804504296170517&LocationId=2930124303177191838&IsFramed=F\" target=\"_blank\" class=\"text-black\" title=\"Apply for Boat or RV Loan (Over $30,000)\" style=\"line-height:40px;\">Apply for Boat or RV Loan (Over $30,000)</a><br />\n<a href=\"https://www.loanliner.com/LoanRequest/CLPPresenter/GettingStarted.aspx?CUID=14600454&LoanFormId=6516803809282121255&ChannelId=3237804504296170517&LocationId=2930124303177191838&IsFramed=F\" target=\"_blank\" class=\"text-black\" title=\"Apply for Boat or RV Loan (Under $30,000)\" style=\"line-height:40px;\">Apply for Boat or RV Loan (Under $30,000)</a><br />\n<a href=\"https://www.loanliner.com/LoanRequest/CLPPresenter/GettingStarted.aspx?CUID=14600454&LoanFormId=4197431309282121306&ChannelId=3237804504296170517&LocationId=2930124303177191838&IsFramed=F\" target=\"_blank\" class=\"text-black\" title=\"Apply for a Personal Line of Credit\" style=\"line-height:40px;\">Apply for a Personal Line of Credit</a><br />\n<a href=\"https://www.loanliner.com/LoanRequest/CLPPresenter/GettingStarted.aspx?CUID=14600454&LoanFormId=1045443109282121303&ChannelId=3237804504296170517&LocationId=2930124303177191838&IsFramed=F\" target=\"_blank\" class=\"text-black\" title=\"Apply for a Home Equity Line of Credit\" style=\"line-height:40px;\">Apply for a Home Equity Line of Credit</a><br />\n<a href=\"credit-cards\" class=\"text-black\" title=\"Apply for a VISA Credit Card\" style=\"line-height:40px;\">Apply for a VISA Credit Card</a><br />\n<a href=\"https://www.mortgageclick.org/default.asp?siteId=6E8BDCE9-BAD9-4400-BEEE-B25B0EBB89E1\" target=\"_blank\" class=\"text-black\" title=\"Apply for a Mortgage\" style=\"line-height:40px;\">Apply for a Mortgage</a><br />\n<a href=\"https://www.salliemae.com/smartoption/sccu\" target=\"_blank\" class=\"text-black\" title=\"Apply for a Student Loan\" style=\"line-height:40px;\">Apply for a Student Loan</a></h5>','apply-online',0,NULL,NULL,NULL,'Apply Online','','','',0),(10,0,0,'Find a Surcharge-Free ATM Near You','Find a Surcharge-Free ATM Near You','<p>Welcome to CO-OP, the largest credit union-only ATM Network in the country. With the CO-OP Network, you gain access to one of the largest networks of SURCHARGE-FREE ATM&#39;s in the Spokane Area including ANY 7-11 Location.</p>\n\n<p>Your CO-OP Network&#39;s membership also provides access to over 800,000 ATMs worldwide through links to the NYCE, STAR, Cirrus, Pulse and Plus networks. Just check your ATM card for the CO-OP Network logo and you&#39;re ready to go!</p>\n\n<p>Now you can find the nearest CO-OP Surcharge-Free ATM through the Online Locator, iPhone Application, Text Message, or GPS Devise.</p>\n\n<!-- START OF CODE -->\n<style type=\"text/css\">\n#boxcontainer {\nwidth: 200px;\n}\n#coopsearchbox {\nborder-radius: 9px;\nborder: 1px solid #4F81BD;\n}\n#cooplogobox {\nfloat:left;\nwidth: 70px;\nmargin: 5px;\n}\n#cooplogo {\nwidth: 70.2px;\nheight: 56.4px;\n}\n#coopsearch {\nfloat:left;\nwidth: 115px;\ncolor: #4F81BD;\nfont-family: Verdana, Arial, Helvetica, sans-serif;\nfont-size: 10px;\nfont-weight: bold;\ntext-align: center;\n}\n#searchheader{\nmargin:0px; padding:0px 0px 5px 0px;\nfont-size: 14px;\ntext-align: center;\n}\n#zip {\nborder-radius: 5px;\nwidth: 60px;\n}\n#findlocations {\nmargin: 5px 0px 0px 0px;\nwidth: 112px;\nheight: 17.5px;\ncolor: white;\nbackground-color: #4F81BD;\nline-height: 10px;\n}\n#findlocations:hover {\nbackground-color: #85A7D1;\n}\n</style>\n<div id=\"boxcontainer\">\n<div id=\"coopsearchbox\">\n<form action=\"https://co-opcreditunions.org/locator/search-results/\" method=\"get\">\n<input type=\"hidden\" name=\"loctype\" value=\"A\" />\n<div id=\"cooplogobox\">\n<img src=\"https://www.co-opfs.org/public/coop_remote_locator/CO-OP_ATM.png\" name=\"cooplogo\" id=\"cooplogo\"\n/>\n</div>\n<div id=\"coopsearch\">\n <div id=\"searchheader\">ATM Locator</div>\n Zip: <input name=\"zip\" type=\"text\" class=\"textBox\" id=\"zip\" size=\"13\" />\n <input type=\"submit\" value=\"Find Locations\" id=\"findlocations\"/>\n</div>\n<br style=\"clear:left\" />\n</form>\n</div>\n</div>\n<!-- END OF CODE -->\n\n<p>&nbsp;</p>\n\n<p>&nbsp;</p>\n\n<h1>About CO-OP Network</h1>\n\n<p>CO-OP Network, established in 1981, is wholly-owned by its credit union shareholders and provides volume discounts on products and services that include risk management as well as debit and deposit access. With 1,848 credit union members, 25,000 surcharge-free ATMs, 92 million-plus monthly transactions and 24 million cardholders, CO-OP Network is the No. 1 credit union electronic funds transfer network in the U.S. financial services industry.</p>','find-a-surcharge-free-atm',0,NULL,NULL,NULL,'Find a Surcharge-Free ATM Near You','','','ICON_co-op-network.png',0),(11,0,0,'Online Banking','Online Banking','<h5>Your Accounts at your fingertips! </h5>\n<p>Enrollment is simple. Look for the Online Banking login on our home page and follow the easy steps as a NEW USER to-self enroll your account. If you have any questions about this service please call us (509) 325-7228 or email us at <a href=\"mailto:memberservices@sccu.net\" title=\"Email us at memberservices@sccu.net\" target=\"_blank\">memberservices@sccu.net</a>.</p>\n<p>You can customize the layout, colors, and build Financial Management tools. You can set account alerts to remind you of events and information about your account. You choose how you want to use the extensive information available. </p>\n<hr />\n<h3 class=\"text-primary indent\">ACCOUNTS </h3>\n  <ul class=\"list-inline\">\n    <li>&#8226; Balances</li>\n    <li>&#8226; History</li>\n    <li>&#8226; Multiple History</li>\n    <li>&#8226; Calendar</li>\n    <li>&#8226; Tiles</li>\n	<li>&#8226; Financial Management</li>\n    <li>&#8226; Account Alerts</li>\n    <li>&#8226; E-Statements</li>\n    <li>&#8226; Download</li>\n	<li>&#8226; Year to Date</li>\n    <li>&#8226; Direct Deposit Distributions</li>\n    <li>&#8226; Layout Manager &#8226;</li>\n  </ul>\n<hr />\n<h3 class=\"text-primary indent\">CHECK SERVICES </h3>\n  <ul class=\"list-inline\">\n    <li>&#8226; Check History</li>\n    <li>&#8226; Check Status</li>\n    <li>&#8226; Check Stop Pay &#8226;</li>\n  </ul>\n<hr />\n<h3 class=\"text-primary indent\">TRANSFER </h3>\n  <ul class=\"list-inline\">\n    <li>&#8226; Transfer</li>\n    <li>&#8226; Transfer to Other Member</li>\n    <li>&#8226; Scheduled Transfers</li>\n    <li>&#8226; Loan Payment &#8226;</li>\n  </ul>\n<hr />\n<h3 class=\"text-primary indent\">BILL PAY </h3>\n  <ul class=\"list-inline\">\n    <li>&#8226; Payee List</li>\n    <li>&#8226; Scheduled Payments</li>\n    <li>&#8226; Bill Pay History</li>\n    <li>&#8226; Account Setup &#8226;</li>\n  </ul>\n<hr />\n<h3 class=\"text-primary indent\">VOICE SETUP </h3>\n  <ul class=\"list-inline\">\n    <li>&#8226; Security &#8226;</li>\n  </ul>\n<hr />\n<h3 class=\"text-primary indent\">OPTIONS </h3>\n  <ul class=\"list-inline\">\n    <li>&#8226; Messages</li>\n    <li>&#8226; Member Info</li>\n    <li>&#8226; Update Personal Info</li>\n    <li>&#8226; Account Nickname</li>\n    <li>&#8226; Show / Hide Accounts</li>\n    <li>&#8226; Security Settings</li>\n    <li>&#8226; Display Settings</li>\n    <li>&#8226; History Preferences</li>\n    <li>&#8226; Statistics &#8226;</li>\n  </ul>\n<hr />\n<h3 class=\"text-primary indent\">JUST ASK </h3>\n  <ul class=\"list-inline\">\n    <li>&#8226; Just Ask &#8226;</li>\n  </ul>\n<hr />','online-banking',0,NULL,NULL,NULL,'Online Banking','','','ICON_internet-banking.png',0),(41,0,0,'Disclosures - Membership and Account Agreement','Membership and Account Agreement','<p>This Agreement covers your rights and responsibilities concerning your accounts and the rights and responsibilities of the Credit Union providing this Agreement (Credit Union). In this Agreement, the words &quot;you,&quot; &quot;your,&quot; and &quot;yours&quot; mean anyone who signs an Account Card, Account Change Card, or any other account opening document (Account Card). The words &quot;we,&quot; &quot;us,&quot; and &quot;our&quot; mean the Credit Union. The word &quot;account&quot; means any one (1) or more share or other accounts you have with the Credit Union. Your account type(s) and ownership features are designated on your Account Card. You understand that certain account designations, such as a joint ownership with right of survivorship or POD beneficiary may be invalidated upon the dissolution or invalidation of your marriage. By signing an Account Card, each of you, jointly and severally, agree to the terms and conditions in this Agreement, and any Account Card, Funds Availability Policy Disclosure, Truth-in-Savings Disclosure, Electronic Fund Transfers Agreement and Disclosure, Privacy Disclosure, or Account Receipt accompanying this Agreement, the Credit Union&#39;s bylaws and policies, and any amendments to these documents from time to time that collectively govern your membership and accounts.</p>\n\n<p>&nbsp;</p>\n\n<h5>1. Membership Eligibility</h5>\n\n<p>To join the Credit Union, you must meet the membership requirements, including purchase and maintenance of the minimum required share(s) (&quot;membership share&quot;) as set forth in the Credit Union&#39;s bylaws. You authorize us to check your account, credit and employment history, and obtain reports from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request.</p>\n\n<h5>2. Individual Accounts</h5>\n\n<p>An individual account is an account owned by one (1) member (individual, corporation, partnership, trust, or other organization) qualified for credit union membership. If the account owner dies, the interest passes, subject to applicable law, to the account owner&#39;s estate or Payable on Death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of this Agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner&#39;s agent prior to notice of an owner&#39;s death, and to any security interest or pledge granted by the account owner, and subject to our statutory lien rights.</p>\n\n<h5>3. Join Accounts</h5>\n\n<p>A joint account is an account owned by two (2) or more persons.</p>\n\n<p>a. Rights of Survivorship. Unless otherwise stated on the Account Card, a joint account includes rights of survivorship. This means that when one (1) owner dies, all sums in the account will pass to the surviving owner(s). For a joint account without rights of survivorship, the deceased owner&#39;s interest passes to his or her estate. A surviving owner&#39;s interest is subject to the Credit Union&#39;s statutory lien for the deceased owner&#39;s obligations, and to any security interest or pledge granted by a deceased owner, even if a surviving owner did not consent to it.</p>\n\n<p>b. Control of Joint Accounts. Any owner is authorized and deemed to act for any other owner(s) and may instruct us regarding transactions and other account matters. Each owner guarantees the signature of any other owner(s). Any owner may withdraw or transfer funds, pledge to us all or any part of the shares, or stop payment on items without the consent of the other owner(s). We have no duty to notify any owner(s) about any transaction. We reserve the right to require written consent of all owners for any change to or termination of an account. If we receive written notice of a dispute between owners or inconsistent instructions from them, we may suspend or terminate the account and require a court order or written consent from all owners in order to act.</p>\n\n<p>c. Joint Account Owner Liability. If an item deposited in a joint account is returned unpaid, a joint account is overdrawn, or if we do not receive final payment on a transaction, the owners, jointly and severally, are liable to us for the amount of the returned item, overdraft, or unpaid amount and any charges, regardless of who initiated or benefited from the transaction. If any account owner is indebted to us, we may enforce our rights against any account of the indebted owner, including all funds in the joint account, regardless of who contributed the funds.</p>\n\n<h5>4. POD/Trust Account Designations</h5>\n\n<p>A Payable on Death (POD) account or trust account designation is an instruction to the Credit Union that an individual or joint account so designated is payable to the owner(s) during his, her, or their lifetimes and, when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Upon the death of the last account owner, if there is more than one (1) surviving beneficiary/payee, the account is owned jointly by such beneficiaries/payees without rights of survivorship. Any POD or trust beneficiary/payee designation shall not apply to Individual Retirement Accounts (IRAs). We are not obligated to notify any beneficiary/payee of the existence of any account nor the vesting of the beneficiary/payee&#39;s interest in any account, except as otherwise provided by law. This paragraph does not apply to an account held on behalf of or in the name of a trust.</p>\n\n<h5>5. Accounts For Minors</h5>\n\n<p>We may require any account established by a minor to be a joint account with an owner who has reached the age of majority under state law and who shall be jointly and severally liable to us for any returned item, overdraft, or unpaid charges or amounts on such account. We may pay funds directly to the minor without regard to his or her minority. Unless a guardian or parent is an account owner, the guardian or parent shall not have any account access rights. We have no duty to inquire about the use or purpose of any transaction. We will not change the account status when the minor reaches the age of majority unless the change is authorized in writing by all account owners.</p>\n\n<h5>6. Uniform Transfer to Minors Account</h5>\n\n<p>A Uniform Transfers to Minors Account (UTMA) is an individual account created by a custodian who deposits funds as an irrevocable gift to a minor. The minor to whom the gift is made is the beneficiary of the custodial property in the account. The custodian has possession and control of the account for the exclusive right and benefit of the minor and, barring a court order otherwise, is the only party authorized to make deposits, withdrawals, or close the account. We have no duty to inquire about the use or purpose of any transaction. If the custodian dies, we may suspend the account until we receive instructions from any person authorized by law to withdraw funds or a court order authorizing withdrawals.</p>\n\n<h5>7. Agency Designation On An Account</h5>\n\n<p>An agency designation on an account is an instruction to us that the owner authorizes another person to make transactions as agent for the account owner regarding the accounts designated. An agent has no ownership interest in the account(s) or credit union voting rights. We have no duty to inquire about the use or purpose of any transaction made by the agent.</p>\n\n<h5>8. Deposit of Funds Requirements</h5>\n\n<p>Funds may be deposited to any account, in any manner approved by the Credit Union in accordance with the requirements set forth in the Truth-in-Savings Disclosure. Deposits made by mail, at night depositories, or at unstaffed facilities are not our responsibility until we receive them. We reserve the right to refuse or to return any deposit.</p>\n\n<p>a. Endorsements. We may accept transfers, checks, drafts, and other items for deposit into any of your accounts if they are made payable to, or to the order of, one (1) or more account owners even if they are not endorsed by all payees. You authorize us to supply missing endorsements of any owners if we choose. If a check, draft, or item that is payable to two (2) or more persons is ambiguous as to whether it is payable to either or both, we may process the check, draft, or item as though it is payable to either person. If an insurance, government, or other check or draft requires an endorsement, we may require endorsement as set forth on the item. Endorsements must be made on the back of the check or draft within 1&frac12; inches of the top edge, although we may accept endorsements outside this space. However, any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you or any prior endorser will be your responsibility.</p>\n\n<p>b. Collection of Items. We act only as your agent and we are not responsible for handling items for deposit or collection beyond the exercise of ordinary care. We are not liable for the negligence of any correspondent or for loss in transit, and each correspondent will only be liable for its own negligence. We may send any item for collection. Items drawn on an institution located outside the United States are handled on a collection basis only. You waive any notice of nonpayment, dishonor, or protest regarding items we purchase or receive for credit or collection to your account. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor financial institution extra time beyond any midnight deadline limits.</p>\n\n<p>c. Restrictive Legends. Some checks and drafts contain restrictive legends or similar limitations on the front of the item. Examples of restrictive legends include &quot;two signatures required,&quot; &quot;void after 60 days,&quot; and &quot;not valid over $500.00.&quot; We are not liable for payment of any check or draft contrary to a restrictive legend or other limitation contained in or on the item unless we have specifically agreed in writing to the restriction or limitation.</p>\n\n<p>d. Final Payment. All items or Automated Clearing House (ACH) transfers credited to your account are provisional until we receive final payment. If final payment is not received, we may charge your account for the amount of such items or ACH transfers and impose a return item charge on your account. Any collection fees we incur may be charged to your account. We reserve the right to refuse or return any item or funds transfer.</p>\n\n<p>e. Direct Deposits. We may offer preauthorized deposits (e.g., payroll checks, Social Security or retirement checks, or other government checks) or preauthorized transfers from other accounts. You must authorize direct deposits or preauthorized transfers by filling out a separate form. You must notify us at least 30 days in advance to cancel or change a direct deposit or transfer option. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefits. Upon a bankruptcy filing, unless you cancel the authorization, we will continue applying payments from direct deposits in accordance with your authorization on file with us. If we are required to reimburse the U.S. Government for any benefit payment directly deposited into your account, we may deduct the amount returned from any of your accounts, unless prohibited by law.</p>\n\n<p>f. Crediting of Deposits. Deposits made after the deposit cutoff time and deposits made on holidays or days other than our business days will be credited to your account on the next business day.</p>\n\n<h5>9. Account Access</h5>\n\n<p>a. Authorized Signature. Your signature on the Account Card authorizes your account access. We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. If you have authorized the use of a facsimile signature, we may honor any check or draft that appears to bear your facsimile signature, even if it was made by an unauthorized person. You authorize us to honor transactions initiated by a third person to whom you have given your account number, even if you do not authorize a particular transaction.</p>\n\n<p>b. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form we do not provide, and you are responsible for any loss we incur handling such a check or draft. We have the right to review and approve any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorney which we reasonably conclude is invalid or unreliable or has been revoked.</p>\n\n<p>c. Credit Union Examination. We may disregard any information on any check or draft other than the signature of the drawer, the amount, and any magnetic encoding. You agree that we do not fail to exercise ordinary care in paying an item solely because our procedures do not provide for sight examination of items.</p>\n\n<h5>10. ACH and Wire Transfers</h5>\n\n<p>Except as amended by this Agreement, electronic fund transfers we permit that are subject to Article 4A of the Uniform Commercial Code will be subject to such provisions of the Uniform Commercial Code as enacted by the state where the main office of the Credit Union is located. We may execute certain requests for an electronic fund transfer by Fedwire. Fedwire transactions are subject to Federal Reserve Board Regulation J. You may order an electronic fund transfer to or from your account. We will debit your account for the amount of the electronic fund transfer and will charge your account for any fees related to the transfer. Unless we agree otherwise in writing, we reserve the right to refuse to execute any order to transfer funds to or from your account. We are not obligated to execute any order to transfer funds out of your account if the amount of the requested transfer plus applicable fees exceeds the available funds in your account. We are not liable for errors, delays, interruptions, or transmission failures caused by third parties or circumstances beyond our control, including mechanical, electronic, or equipment failure. We will not provide you with next day notice of ACH transfers, wire transfers, and other electronic payments credited to your account. You will receive notice of such credits on your account statements. You may contact us to determine whether a payment has been received. If we fail to properly execute a payment order, and such action results in a delay in payment to you, we will pay you dividends or interest for the period of delay as required by applicable law. The dividends or interest paid to you will be based on the lowest nominal dividend or interest rate we were paying on any account during that period. Payment orders we accept will be executed within a reasonable time of receipt but may not necessarily be executed on the date they are received. Cutoff times may apply to the receipt, execution and processing of fund transfers, payment orders, cancellations, and amendments.</p>\n\n<p>If a request for a fund transfer, payment order, cancellation, or amendment is received after a cutoff time, it may be treated as having been received on the next fund transfer business day. Information about any cutoff times is available upon request. From time to time, we may need to temporarily suspend processing of a transaction for greater scrutiny of verification in accordance with applicable law, and this action may affect settlement or availability of the transaction. When you initiate a wire transfer, you may identify the recipient and any financial institution by name and by account or identifying number. The Credit Union and any other financial institutions facilitating the transfer may rely strictly on the account or identifying number, even if the number identifies a different person or financial institution. Any account owner may amend or cancel a payment order, even if that person did not initiate the order. We may refuse any request to amend or cancel a payment order that we believe will expose the Credit Union to liability or loss. Any request that we accept to amend or cancel a payment order will be processed within a reasonable time after it is received. You agree to hold us harmless from and indemnify us for all losses and expenses resulting from any actual or attempted amendment or cancellation of a payment order. We may require you to follow a security procedure to execute a payment order or certain electronic fund transfer transactions. We will notify you of any such security procedures, and you agree that our security procedures are commercially reasonable.</p>\n\n<h5>11. Account Rates and Fees</h5>\n\n<p>We pay account earnings and assess fees against your account as set forth in the Truth-in- Savings Disclosure and Schedule of Fees and Charges. We may change the Truth-in-Savings Disclosure or Schedule of Fees and Charges at any time and will notify you as required by law.</p>\n\n<h5>12. Transaction Limitations</h5>\n\n<p>a. Withdrawal Restrictions. We will pay checks or drafts, permit withdrawals, and make transfers from available funds in your account. The availability of funds in your account may be delayed as described in our Funds Availability Policy Disclosure. We may also pay checks or drafts, permit withdrawals, and make transfers from your account from insufficient available funds if you have established an overdraft protection plan or, if you do not have such a plan with us, in accordance with our overdraft payment policy.</p>\n\n<p>We may refuse to allow a withdrawal in some situations and will advise you accordingly if: (1) there is a dispute between account owners (unless a court has ordered the Credit Union to allow the withdrawal); (2) a legal garnishment or attachment is served; (3) the account secures any obligation to us; (4) required documentation has not been presented; or (5) you fail to repay a credit union loan on time. We may require you to give written notice of seven (7) to 60 days before any intended withdrawals.</p>\n\n<p>b. Transfer Limitations. We may limit the dollar amount or the number of transfers from your account. Please consult your Truth-in-Savings Disclosure or your Electronic Fund Transfers Agreement and Disclosure.</p>\n\n<h5>13. Certificate Accounts</h5>\n\n<p>Any time deposit, term share, share certificate, or certificate of deposit account allowed by state law (certificate account), whichever we offer, is subject to the terms of this Agreement, the Truth-in-Savings Disclosure, and the Account Receipt for each account, the terms of which are incorporated herein by reference.</p>\n\n<h5>14. Overdrafts</h5>\n\n<p>a. Payment of Overdrafts. If, on any day, the available funds in your share or deposit account are not sufficient to pay the full amount of a check, draft, transaction, or other item posted to your account plus any applicable fee (&quot;overdraft&quot;), we may pay or return the overdraft. The Credit Union&#39;s determination of an insufficient available account balance may be made at any time between presentation and the Credit Union&#39;s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. For ATM and one-time debit card transactions, you must consent to the Credit Union&#39;s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member&#39;s opt-in choice for overdraft protection and the Schedule of Fees and Charges.</p>\n\n<p>Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or, if you do not have such a plan with us, in accordance with our overdraft payment policy.</p>\n\n<p>b. Order of Payments. Checks, drafts, transactions, and other items may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check, draft, or item, and execute other transactions on your account in any order we choose. The order in which we process checks, drafts, or items, and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals.</p>\n\n<h5>15. Postdated and Staledated Checks or Drafts</h5>\n\n<p>You agree not to issue any check or draft that is payable on a future date (postdated). If you do issue a check or draft that is postdated and we pay it before that date, you agree that we shall have no liability to you for such payment. You agree not to deposit checks, drafts, or other items before they are properly payable. We are not obligated to pay any check or draft drawn on your account that is presented more than six (6) months past its date.</p>\n\n<h5>16. Stop Payment Orders</h5>\n\n<p>a. Stop Payment Order Request. Any owner may request a stop payment order on any check or draft drawn on the owner&#39;s account. To be binding, the order must be in writing, dated and signed, and must accurately describe the check or draft, including the exact account number, the check or draft number, and the exact amount of the check or draft. This exact information is necessary for the Credit Union&#39;s computer to identify the check or draft. If we receive incorrect or incomplete information, we will not be responsible for failing to stop payment on the check or draft. In addition, we must receive sufficient advance notice of the stop payment order to allow us a reasonable opportunity to act on it. If we recredit your account after paying a check or draft 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 or draft, and to assist us in any legal action.</p>\n\n<p>b. Duration of Order. Oral stop payment orders for checks or drafts will lapse within 14 calendar days unless confirmed in writing within that time. Written stop payment orders for checks or drafts are effective for six (6) months and may be renewed for additional six (6) month periods by requesting in writing that the stop payment order be renewed within a period during which the stop payment order is effective. We are not required to notify you when a stop payment order expires.</p>\n\n<p>c. Liability. Fees for stop payment orders are set forth in the Truth-in-Savings Disclosure or Schedule of Fees and Charges. You may not stop payment on any certified check, cashier&#39;s check, teller&#39;s check, or any other check, draft, or payment guaranteed by us. Although payment of an item may be stopped, you may remain liable to any item holder, including us. You agree to indemnify and hold the Credit Union harmless from all costs, including attorney&#39;s fees, damages, or claims related to our refusing payment of an item, including claims of any joint account owner, payee, or endorsee in failing to stop payment of an item as a result of incorrect information provided by you.</p>\n\n<h5>17. Credit Union Liability</h5>\n\n<p>If we do not properly complete a transaction according to this Agreement, we will be liable for your losses or damages not to exceed the amount of the transaction, except as otherwise provided by law. We will not be liable if: (1) your account contains insufficient funds for the transaction; (2) circumstances beyond our control prevent the transaction; (3) your loss is caused by your or another financial institution&#39;s negligence; or (4) your account funds are subject to legal process or other claim. We will not be liable for consequential damages, except liability for wrongful dishonor. We exercise ordinary care if our actions or nonactions are consistent with applicable state law, Federal Reserve regulations and operating letters, clearinghouse rules, and general financial institution practices followed in the area we serve. You grant us the right, in making payments of deposited funds, to rely exclusively on the form of the account and the terms of this Agreement. Any conflict regarding what you and our employees say or write will be resolved by reference to this Agreement.</p>\n\n<h5>18. Checks or Drafts Presented for Payment In Person</h5>\n\n<p>We may refuse to accept any check or draft drawn on your account that is presented for payment in person. Such refusal shall not constitute a wrongful dishonor of the check or draft, and we shall have no liability for refusing payment.</p>\n\n<h5>19. Remotely Created Checks or Drafts</h5>\n\n<p>For purposes of this paragraph, &quot;account&quot; means a transaction account, credit account, or any other account on which checks or drafts may be drawn. A remotely created check or draft is a check or draft created by someone other than the person on whose account the check or draft is drawn. A remotely created check or draft is generally created by a third party payee as authorized by the owner of the account on which the check or draft is drawn. Authorization is usually made over the telephone or through on-line communication. The owner of the account does not sign a remotely created check or draft. In place of the owner&#39;s signature, the remotely created check or draft usually bears a statement that the owner authorized the check or draft or bears the owner&#39;s printed or typed name. If you authorize a third party to draw a remotely created check or draft against your account, you may not later revoke or change your authorization. It is your responsibility to resolve any authorization issues directly with the third party. We are not required to credit your account and may charge against your account any remotely created check or draft for which the third party has proof of your authorization.</p>\n\n<h5>20. Pledge/Statutory Lien</h5>\n\n<p>Unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account(s) for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law (depending upon whether we have a federal or state charter) gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited by federal or state law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory lien rights without further notice to you. Your pledge and our statutory lien rights will allow us to apply the funds in your account(s) to what you owe when you are in default, except as limited by federal or state law. If we do not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under federal or state law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in default, we do not waive our right to enforce these rights at a later time.</p>\n\n<h5>21. Legal Process</h5>\n\n<p>If any legal action is brought against your account, we may pay out funds according to the terms of the action or refuse any payout until the dispute is resolved. Any expenses or attorney fees we incur responding to legal process may be charged against your account without notice, unless prohibited by law. Any legal process against your account is subject to our lien and security interest.</p>\n\n<h5>22. Account Information</h5>\n\n<p>Upon request, we will give you the name and address of each agency from which we obtain a credit report regarding your account. We agree not to disclose account information to third parties except when: (1) it is necessary to complete a transaction; (2) the third party seeks to verify the existence or condition of your account in accordance with applicable law; (3) such disclosure complies with the law or a government agency or court order; or (4) you give us written permission.</p>\n\n<h5>23. Notices</h5>\n\n<p>a. Name or Address Changes. You are responsible for notifying us of any name or address change. The Credit Union is only required to attempt to communicate with you at the most recent address you have provided to us. We may require all name and address changes to be provided in writing. If we attempt to locate you, we may impose a service fee as set forth in the Truth-in-Savings Disclosure or Schedule of Fees and Charges.</p>\n\n<p>b. Notice of Amendments. Except as prohibited by applicable law, we may change the terms of this Agreement at any time. We will notify you of any change in terms, rates, or fees as required by law. We reserve the right to waive any terms of this Agreement. Any such waiver shall not affect our right to future enforcement.</p>\n\n<p>c. Effect of Notice. Any written notice you give us is effective when we receive it. Any written notice we give to you is effective when it is deposited in the U.S. mail, postage prepaid, and addressed to you at your statement mailing address. Notice to any account owner is considered notice to all account owners.</p>\n\n<p>d. Electronic Notices. If you have agreed to receive notices electronically, we may send you notices electronically and discontinue mailing paper notices to you until you notify us that you wish to reinstate receiving paper notices.</p>\n\n<h5>24. Taxpayer Identification Number and Backup Withholding</h5>\n\n<p>Your failure to furnish a correct Taxpayer Identification Number (TIN) or meet other requirements may result in backup withholding. If your account is subject to backup withholding, we must withhold and pay to the Internal Revenue Service (IRS) a percentage of dividends, interest, and certain other payments. If you fail to provide your TIN, we may suspend opening your account.</p>\n\n<h5>25. Statements</h5>\n\n<p>a. Contents. If we provide a periodic statement for your account, you will receive a periodic statement of transactions and activity on your account during the statement period as required by applicable law. If a periodic statement is provided, you agree that only one (1) statement is necessary for joint accounts. For share draft or checking accounts, you understand and agree that your original check or draft, when paid, becomes property of the Credit Union and may not be returned to you, but copies of the check or draft may be retained by us or by payable-through financial institutions and may be made available upon your request. You understand and agree that statements are made available to you on the date they are sent to you. You also understand and agree that checks, drafts, or copies thereof are made available to you on the date the statement is sent to you, even if the checks or drafts do not accompany the statement.</p>\n\n<p>b. Examination. You are responsible for promptly examining each statement upon receiving it and reporting any irregularities to us. If you fail to report any irregularities such as forged, altered, unauthorized, unsigned, or otherwise fraudulent items drawn on your account, erroneous payments or transactions, or other discrepancies reflected on your statement within 33 days of the date we sent the statement to you, we will not be responsible for your loss. We also will not be liable for any items that are forged or altered in a manner not detectable by a reasonable person, including the unauthorized use of a facsimile signature machine.</p>\n\n<p>c. Notice to Credit Union. You agree that the Credit Union&#39;s retention of checks or drafts does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes, and we will not be liable for any payment made or charged to your account unless you notify us in writing within the above time limit for notifying us of any errors. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement.</p>\n\n<h5>26. Inactive Accounts</h5>\n\n<p>If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee, as set forth in the Truth-in-Savings Disclosure or Schedule of Fees and Charges, for processing your inactive account. If we impose a fee, we will notify you, as required by law, at your last known address. You authorize us to transfer funds from another account of yours to cover any service fees, if applicable. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further account statements. If a deposit or withdrawal has not been made on the account and we have had no other sufficient contact with you within the period specified by state law, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we have no further liability to you for such funds, and if you choose to reclaim such funds, you must apply to the appropriate state agency.</p>\n\n<h5>27. Special Account Instructions</h5>\n\n<p>You may request that we facilitate certain trust, will, or court-ordered account arrangements. However, because we do not give legal advice, we cannot counsel you as to which account arrangement most appropriately meets the specific requirements of your trust, will, or court order. You and any surviving owner or beneficiary agree(s) to indemnify and hold the Credit Union harmless from any claim or liability asserted against the Credit Union as a result of the disposition of funds in reliance on this Agreement and any account designations of yours. If you ask us to follow any instructions that we believe might expose us to claims, lawsuits, expenses, liabilities, or damages, whether directly or indirectly, we may refuse to follow your instructions or may require you to indemnify us or post a bond or provide us with other protection. We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed Account Change Card and accepted by us.</p>\n\n<h5>28. Termination of Account</h5>\n\n<p>We may terminate your account at any time without notice to you or may require you to close your account and apply for a new account if: (1) there is a change in owners or authorized signers; (2) there has been a forgery or fraud reported or committed involving your account; (3) there is a dispute as to the ownership of the account or of the funds in the account; (4) any checks or drafts are lost or stolen; (5) there are excessive returned unpaid items not covered by an overdraft protection plan; (6) there has been any misrepresentation or any other abuse of any of your accounts; or (7) we reasonably deem it necessary to prevent a loss to us. You may terminate an individual account by giving written notice. We reserve the right to require the consent of all owners to terminate a joint account. We are not responsible for payment of any check, draft, withdrawal, transaction, or other item after your account is terminated; however, if we pay an item after termination, you agree to reimburse us.</p>\n\n<h5>29. Termination of Membership</h5>\n\n<p>You may terminate your membership by giving us written notice or by withdrawing your minimum required membership share(s), if any, and closing all your accounts. You may be denied services for causing a loss to the Credit Union, or you may be expelled for any reason as allowed by applicable law.</p>\n\n<h5>30. Death of Account Owner</h5>\n\n<p>You irrevocably waive the right to dispose of, by an existing or future will, any account owned as a Joint Account With Survivorship and/or any account for which you have named Payable on Death beneficiary(ies). You agree that upon your death, your account will be payable in accordance with any existing account designations and the terms of this Agreement. We may continue to honor all transfer orders, withdrawals, deposits, and other transactions on an account until we know of a member&#39;s death. Once we know of a member&#39;s death, we may pay checks or drafts or honor other payments or transfer orders authorized by the deceased member for a period of ten (10) days after that date unless we receive instructions from any person claiming an interest in the account to stop payment on the checks, drafts, or other items. We may require anyone claiming a deceased owner&#39;s account funds to indemnify us for any losses resulting from our honoring that claim. This Agreement will be binding upon any heirs or legal representatives of any account owner.</p>\n\n<h5>31. Unlawful Internet Gambling and Other Illegal Activities</h5>\n\n<p>You agree that you are not engaged in unlawful Internet gambling or any other illegal activity. You agree that you will not use any of your accounts, access devices or services for unlawful Internet gambling or other illegal activities. We may terminate your account relationship if you engage in unlawful Internet gambling or other illegal activities.</p>\n\n<h5>32. Severability</h5>\n\n<p>If a court holds any portion of this Agreement to be invalid or unenforceable, the remainder of this Agreement shall not be invalid or unenforceable and will continue in full force and effect. All headings are intended for reference only and are not to be construed as part of the Agreement.</p>\n\n<h5>33. Enforcement</h5>\n\n<p>You are liable to us for any losses, costs, or expenses we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such losses, costs, or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney&#39;s fees and costs, including fees on any appeal, bankruptcy proceedings, and any postjudgment collection actions.</p>\n\n<h5>34. Governing Law</h5>\n\n<p>This Agreement is governed by the Credit Union&#39;s bylaws, federal laws and regulations, the laws, including applicable principles of contract law, and regulations of the state in which the Credit Union&#39;s main office is located, and local clearinghouse rules, as amended from time to time. As permitted by applicable law, you agree that any legal action regarding this Agreement shall be brought in the county in which the Credit Union is located.</p>\n\n<h5>35. Negative Information Notice</h5>\n\n<p>We may report information about your loan, share, or deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report.</p>\n\n<p>&nbsp;</p>\n\n<p>CUNA Mutual Group, 2002-07, 09, 10, ALL RIGHTS RESERVED</p>','membership-and-account-agreement',0,NULL,NULL,NULL,'Membership and Account Agreement','','','ICON_disclosures.png',0),(12,0,0,'Bill Payer','Bill Payer','<h5 style=\"font-style:normal;\">Online bill pay offers savings, convenience and the freedom of never having to purchase another stamp or bill envelope again for paying your bills!</h5>\n<h5 class=\"text-primary\">Two easy steps to using Bill Pay!</h5>\n<ul>\n  <li>Register your account in Internet Home Banking.</li>\n  <li>Once online, set up merchants or payees online with their address and account information, and schedule payments by specifying the payees, amount and date of your payment.</li>\n</ul>\n<h5 class=\"text-primary\">Savings and Convenience</h5>\n<ul>\n  <li>Pay all your bills online in your choice of convenient location - internet home banking, mobile banking, or voice banking.</li>\n  <li>Pay anyone. From your power company to your doctor to your neighborhood lawn service, you can pay everyone you pay now - any time, any where.</li>\n  <li>Schedule single or recurring payments up to a year in advance.</li>\n  <li>Review pending payments and have access to your full payment history.</li>\n  <li>Easy payment scheduling - select the payee, amount and payment date, then click to pay!</li>\n  <li>Edit payments anytime before the process date. </li>\n</ul>\n<p>Have a question? Contact us at <a href=\"mailto:memberservices@sccu.net\" title=\"Email us at memberservices@sccu.net\" target=\"_blank\">memberservices@sccu.net </a>or call us at (509) 325-7228.</p>\n<p>SCCU&#8217;s Routing & Transit Number is: 325182373<!--Routing Number--></p>','bill-payer',0,NULL,NULL,NULL,'Bill Payer','','','ICON_bill-pay.png',0),(13,0,0,'Mobile Banking','Mobile Banking','<h5>Smarter banking for smart phones</h5>\n\n<p>A way for you to enjoy your membership anytime and from anywhere with your iPhone and Android (phone and tablets).</p>\n\n<h5>Free app at the iTunes App Store and Google Play Store</h5>\n\n<p>Once you are enrolled in Internet Home Banking and downloaded the app you will have access to:</p>\n\n<ul>\n	<li>View balances and transactions in your account</li>\n	<li>Move money - transfer, pay bills, make loan payments</li>\n	<li><u>Deposit checks with your smart phone through Remote Deposit Capture (RDC).</u></li>\n    <li>Instant Issue &#8211; Debit Cards available in one day.</li>\n</ul>\n\n<p>&nbsp;</p>\n\n<div style=\"display:block; width:300px; min-width:240px; float:left; margin-bottom:10px;\"><a href=\"https://itunes.apple.com/us/app/spokane-city-credit-union/id969162884?mt=8\" target=\"_blank\" border=\"0\" data-warning ><img src=\"imgs/BTN_app-store.png\" style=\"display:block; margin:0 auto 0 auto\" /></a></div>\n\n<div style=\"display:block; width:300px; min-width:240px; float:left;\"><a href=\"https://play.google.com/store/apps/details?id=com.harlandfs.ofx.mobile.fiid325182373\" target=\"_blank\" border=\"0\" data-warning ><img src=\"imgs/BTN_google-play.png\" style=\"display:block; margin:0 auto 0 auto\" /></a></div>','mobile-banking',0,NULL,NULL,NULL,'Mobile Banking','','','ICON_mobile-banking.png',0),(14,0,0,'E-Statements','E-Statements','<h5>...clearly the best way to view your statements</h5>\n\n<h5>It&#39;s easy to sign up for this FREE service:</h5>\n\n<ul>\n	<li>Sign into your Internet Home Banking account</li>\n	<li>Enroll your account(s) and look for a confirmation to finish the sign up process</li>\n</ul>\n\n<h5>The benefits of E-statements</h5>\n\n<p>&nbsp;</p>\n\n<p><strong>Added security</strong></p>\n\n<ul>\n	<li>No more paper statements in your mailbox mean you&#39;re less likely to experience mail fraud.</li>\n	<li>You will receive an electronic notice from us when your estatement is available to view.</li>\n</ul>\n\n<p><strong>Get your estatements when you need them</strong></p>\n\n<ul>\n	<li>12 months of electronic history will be stored for easy record keeping.</li>\n</ul>\n\n<p><strong>Save money</strong></p>\n\n<ul>\n	<li>The cost savings to Spokane City Credit Union is tremendous-saving printing and postage expense.</li>\n</ul>','e-statements',0,NULL,NULL,NULL,'E-Statements','','','ICON_e-statements.png',0),(15,0,0,'Site Map','Site Map','','sitemap',0,NULL,NULL,NULL,'Site Map','','','ICON_sitemap.png',0),(16,0,0,'Membership Application','Membership Application','<p>Join today! If you live, work, worship or attend school in Washington state or reside in Kootenai, Bonner or Benewah Counties in the State of Idaho, you are eligible to join Spokane City Credit Union.</p>\n\n<p>There is a one-time $20.00 membership fee to join. A Membership Service Representative will contact you finalize this application.</p>','membership-application',0,NULL,NULL,NULL,'Membership Application','','','ICON_join.png',0),(115,0,0,'Board Ballot','2018 Election Ballot','<p>Voting Period: Voting begins on April 1st at Midnight (Sunday) and ends on April 10th (Tuesday) at Midnight.</p>\n\n<p>Voting Eligibility: Any &quot;Primary&quot; account holder, age 18 or older, in good standing and who\'s been a member for at least three months is eligible to vote. A &quot;joint&quot; on an account is not a member and cannot vote.</p>','',0,NULL,NULL,NULL,'2018 Board Ballot','','','ICON_vote.png',0),(17,0,0,'Other','Other','<h5 style=\"font-style:normal;\">Contact our Loan Team:</h5>\n<address>\n	<div class=\"vcard\">\n      <p>E-Mail: <a href=\"mailto:loandepartment@sccu.net\" target=\"_blank\" title=\"Email us at loandepartment@sccu.net\" class=\"email\">loandepartment@sccu.net</a><br />\n        Phone: <a href=\"tel: 15093254444\" class=\"tel\">(509) 325-4444</a><br />\n        <dl>\n            <dt>Mailing Address:</dt>\n            <dd>\n                <div class=\"org\">Spokane City Credit Union</div>\n                <div class=\"title\">attn: Loan Department</div>\n                <div class=\"adr\">\n                  <span class=\"street-address\">P.O. Box 9639</span><br />\n                  <span class=\"locality\">Spokane</span>, <span class=\"region\">WA</span> <span class=\"postal-code\">99209</span> <span class=\"country-name\">USA</span>\n                </div>\n            </dd>\n        </dl>\n     </p>\n  </div>\n</address>\n\n\n<h5 style=\"font-style:normal;\">Contact a Member Service Representative:</h5>\n<address>\n	<div class=\"vcard\">\n      <p>E-Mail: <a href=\"mailto:memberservices@sccu.net\" target=\"_blank\" title=\"Email us at memberservices@sccu.net\" class=\"email\">memberservices@sccu.net</a><br />\n        Phone: <a href=\"tel: 15093257228\" class=\"tel\">(509) 325-7228</a><br />\n        <dl>\n            <dt>Mailing Address:</dt>\n            <dd>\n                <div class=\"org\">Spokane City Credit Union</div>\n                <div class=\"title\">attn: Member Services</div>\n                <div class=\"adr\">\n                  <span class=\"street-address\">P.O. Box 9639</span><br />\n                  <span class=\"locality\">Spokane</span>, <span class=\"region\">WA</span> <span class=\"postal-code\">99209</span> <span class=\"country-name\">USA</span>\n                </div>\n            </dd>\n        </dl>\n     </p>\n  </div>\n</address>','other',0,NULL,NULL,NULL,'Other','','','ICON_contact.png',0),(18,0,0,'Regular Savings','Regular Savings','<p>At Spokane City Credit Union, our savings account is simple and easy, and most importantly, convenient for everyone. No matter what your goals are, our savings accounts can help you get there. With no fees to maintain your account, free Online Banking, and eStatements make it easier to keep your financial life on track. We also offer Online Bill Payer, free to those who sign up for Direct Deposit, to help keep your payments on track and information secure. Once you&#39;ve become a member of SCCU, you&#39;ll have access to free checking, competitive savings and loan rates, and the friendliest staff in the Spokane Area. Take a look at our accounts, and call us if you have any questions. We look forward to hearing from you.</p>\n\n<h2>Find out more about these convenient services:</h2>\n\n<p><a href=\"checking-accounts\" title=\"Checking Accounts\">Checking</a><br />\n<a href=\"checking-accounts#visa-debit-cards\" title=\"Mortgages\">Debit &amp; ATM Cards</a><br />\n<a href=\"credit-cards\" title=\"VISA Credit Cards\">VISA Credit Cards</a><br />\n<a href=\"auto-boat-rv-motorcycle-loans\" title=\"VISA Credit Cards\">Auto/Toy Loans</a><br />\n<a href=\"first-mortgages\" title=\"Mortgages\">Mortgages</a><br />\n<a href=\"online-banking\" title=\"Online Banking\">Online Banking</a><br />\n<a href=\"bill-payer\" title=\"Online Bill Payer\">Online Bill Payer</a><br />\n<a href=\"mobile-banking\" title=\"Mobile Banking\">Mobile Banking</a><br />\n<a href=\"e-statements\" title=\"E-Statements\">E-Statements</a><!--<br />\n<a href=\"youth-accounts\" title=\"Youth Accounts\">Youth Accounts</a>--></p>\n\n<h5>To apply for your Spokane City Credit Union Savings Account, <a href=\"become-a-member#membership-application\" title=\"Apply Online\">click here</a>.</h5>\n\n<p>&nbsp;</p>\n\n<h2>Questions? Ask Us!</h2>','savings-accounts',0,NULL,NULL,NULL,'Regular Savings Accounts','savings account, share account','','ICON_savings.png',0),(19,0,0,'Checking - Main','Checking','<p>Our convenient, No-Fee Checking means no minimum balance requirement,&nbsp;no monthly service charges and no fees for the checks you write.&nbsp;Plus you&#8217;ll have access to Online Banking, Online Bill Payer, E-Statements, and most importantly, you&#8217;ll have&nbsp;access to thousands of CO-OP Network&#8217;s surcharge-free ATMs located nationwide.&nbsp;</p>\n<h2 class=\"text-primary\">Not a SCCU Member? Join Today!</h2>\n<h5>Questions? Contact a Member Service Representative at (509) 325-7228 or email us at <a href=\"mailto:memberservices@sccu.net\" target=\"_blank\" title=\"Contact member services via email at memberservices@sccu.net\">memberservices@sccu.net</a>.</h5>\n<p>&nbsp;</p>\n<p><b>New Checking Account Users:</b></p>\n<ul>\n  <li>Learn How to Balance Your Checkbook (<a href=\"/upload_content/pdfs/InBalanceEng.pdf\" title=\"How to Balance Your Checkbook (English)\" target=\"_blank\">english</a> | <a href=\"/upload_content/pdfs/InBalanceSpa.pdf\" title=\"How to Balance your Checkbook (Spanish)\" target=\"_blank\">spanish</a>)</li>\n  <li>Click Here to Take InBalance Exam (<a href=\"/upload_content/pdfs/InBalanceExamEng.pdf\" title=\"Take InBalance Exam (english)\" target=\"_blank\">english</a> | <a href=\"/upload_content/pdfs/InBalanceExamSpa.pdf\" title=\"InBalance Exam (English)\" target=\"_blank\">spanish</a>)</li>\n  <li><i>Check your answers</i> (<a href=\"/upload_content/pdfs/InBalanceKeyEng.pdf\" title=\"iNBalance Answer Key (English)\" target=\"_blank\">english</a> | <a href=\"/upload_content/pdfs/InBalanceKeySpa.pdf\" title=\"InBalance Answer Key (Spanish)\" target=\"_blank\">spanish</a>)</li>\n</ul>\n<p><b>Need checks?</b> <a href=\"http://reorder.libertysite.com/default.aspx\" title=\"Order Checks\" target=\"_blank\" data-warning >Click here to order online.</a></p>\n<p>SCCU&#8217;s Routing & Transit Number is: 325182373<!--Routing Number--></p>','checking-accounts',0,NULL,NULL,NULL,'Checking Accounts, VISA Debit Cards,  CO-OP ATM Network','','','',0),(20,0,0,'Checking - VISA Debit Cards','VISA Debit Cards','<h5>Get more with SCCU Debit Cards</h5>\n\n<p>A better option than check and cash transactions,&nbsp;SCCU debit cards come with&nbsp;Enhancements at no cost and can be used worldwide everywhere debit VISA&reg; is accepted. Make purchases in person, online and by phone with ease.</p>\n\n<p>There are no annual fees and transaction fees when you use our VISA Debit Card and you get access to the largest network of surcharge-free credit union ATM&#39;s with the CO-OP Network .&nbsp;Also, if you don&#39;t like your Personal Identification Number (PIN), come by the credit union and we will change your PIN to a number that you choose!</p>\n\n<p>Don&#39;t forget about our VISA Debit Card Enhancements.</p>\n\n<ul>\n	<li>VISA 911</li>\n	<li>Personal Identity Theft Insurance</li>\n	<li>Roadside Dispatch</li>\n	<li>Travel Accident Insurance</li>\n	<li>Travel and Emergency Assistant Services</li>\n	<li>Co-Op Card Alerts Available</li>\n    <li><i>Spend & Save</i> Available <a href=\"/spend-and-save\">Learn More</a></li>\n</ul>\n\n<p>For more information on how to enhance your VISA Debit Card experience, contact us.</p>\n\n<p><a href=\"/upload_content/pdfs/DebitVISAApp.pdf\" target=\"_blank\" title=\"VISA Debit Card Application\">VISA Debit Card Application</a>&nbsp;&nbsp; &bull; &nbsp;&nbsp;<a href=\"http://alerts.co-opcreditunions.org\" target=\"_blank\" title=\"Sign Up for Co-Op Card Alerts\">Sign Up for Co-Op Card Alerts</a>&nbsp;&nbsp; &bull; &nbsp;&nbsp;<a href=\"/upload_content/pdfs/PersonalTheft.pdf\" target=\"_blank\" title=\"VISA Guide to Personal Identity Theft\">VISA Guide to Personal Identity Theft</a></p>','visa-debit-cards',0,NULL,NULL,NULL,'VISA Debit Cards','','','ICON_debitcards.png',0),(21,0,0,'Checking - Report a Lost Card','Report a Lost or Stolen Credit Card or Debit Card','<p>Please call the following numbers to report a card lost or stolen:</p>\n\n<div class=\"content-block\">Debit Cards:<br />\n1-888-241-2510<br />\n1-909-941-1398 - When out of the United States</div>\n\n<div class=\"content-block\">Credit Cards:<br />\n1-800-808-7230<br />\n1-800-991-4964 - After Hours</div>\n\n<p><img alt=\"Verified by VISA\" src=\"imgs/ICON_verified-visa.png\" /></p>','report-lost-or-stolen-card',0,NULL,NULL,NULL,'Report a Lost or Stolen Credit Card or Debit Card','','','ICON_report.png',0),(22,0,0,'Checking - CO-OP ATM Network','CO-OP ATM Network','<p>Welcome to CO-OP, the largest credit union-only ATM Network in the country. The CO-OP Network logo gives you Surcharge-Free access to over&nbsp;6 dozen CO-OP Network ATM&#39;s in the Spokane Area and over 28,000 CO-OP Network ATM&#39;s in the country including&nbsp;ANY&nbsp;7-Eleven location (throughout the U.S. &amp; Canada).</p>\n\n<p>With the Spokane City Credit Union ATM Card, you can access your account 24/7 at any of the CO-OP Network &quot;Surcharge-Free&quot; ATMs. And with over&nbsp;6 dozen locations in the Spokane Area and thousands of locations worldwide, you&#39;re never too far from getting cash. Just look for the CO-OP Network Logo.</p>\n\n<p>Locate a CO-OP Network ATM through the CO-OP Network&#39;s Online Locator, Smart Phone Application, Text Messaging or GPS.</p>\n\n<p>In addition, CO-OP Network&rsquo;s membership also provides access to over 800,000 ATMs worldwide through links to the NYCE, STAR, Cirrus, Pulse and Plus networks.</p>\n\n<p>Questions?&nbsp;&nbsp;Contact Us.</p>','co-op-atm-network',0,NULL,NULL,NULL,'CO-OP ATM Network','','','ICON_co-op-atm.png',0),(23,0,0,'Checking - SCCU Overdraft Protection','SCCU Overdraft Protection','<p>Your protection against account overdraft</p>\n<p>There are plenty of things to worry about these days &#8212; but overdrawing your checking account shouldn\'t have to be one of them. We offer two versions of overdraft protection:</p>\n<p>PRIVILEGE PAY OVERDRAFT PROTECTION comes standard with your account, but DOES NOT cover ATM and Debit transactions unless asked to do so.</p>\n<p><a href=\"upload_content/files/Privilege_Pay_Overdraft_Protection_FAQs.pdf\" target=\"_blank\" title=\"Download Privledge Pay FAQs\">What is Privilege Pay Overdraft Protection?</a></p>\n<p><a href=\"upload_content/files/Privilage_Pay_Opt_Out_Form.pdf\" target=\"_blank\" title=\"Download Privilege Pay Overdraft Protection Opt-Out Form\">Privilege Pay Overdraft Protection Opt-Out Form</a></p>\n<p><a href=\"upload_content/files/Privilage_Pay_Authorization_of_ATM_and_Debit_Transaction_Coverage_Form.pdf\" target=\"_blank\" title=\"Download Authorization of ATM &amp; Debit Transaction Coverage Form\">Authorization of ATM &amp; Debit Transaction Coverage Form</a></p>\n<p><a href=\"upload_content/files/ACH_Automatic_Payment_Form.pdf\" target=\"_blank\" title=\"Download OPTIONAL OVERDRAFT PROTECTION PLAN Form\">OPTIONAL OVERDRAFT PROTECTION PLAN draws from&nbsp;a savings account or Personal Line of Credit if your account has been overdrafted.</a></p>','overdraft-protection',0,NULL,NULL,NULL,'SCCU Overdraft Protection','','','ICON_overdraft-protection.png',0),(24,0,0,'Money Market - Main','Money Market Accounts','<h5>Preferred Shared Investments</h5>\n\n<p>&nbsp;</p>\n\n<p>Spokane City Credit Union offers you three different tiers of our popular money market accounts. With a minimum deposit of $5,000.00, $25,000.000 and $50,000.00, you can watch your money grow with our competitive dividend rates.</p>','money-market-accounts',0,NULL,NULL,NULL,'Money Market Accounts, Individual Retirement Accounts, Certificates of Deposit, CU Succeed for Kids & Holiday Savings Club Accounts','','','',0),(25,0,0,'Money Market - IRA','Individual Retirement Accounts (IRA)','<p>Put your savings on the fast track with SCCU&#39;s risk-freeand IRAs. We offer flexibility and safety, with higher rates of return than most banks. Enjoy risk-free savings backed by SCCU.</p>','individual-retirement-accounts',0,NULL,NULL,NULL,'Individual Retirement Accounts','','','ICON_ira.png',0),(26,0,0,'Money Market - Certificates of Deposit','Certificates of Deposit','<p>Spokane City Credit Union offers three tiers of our 6 month, 12 month, 24 month and 36 month certificates. Choose the certificate that\'s right for you! Dividends are calculated daily and are posted to your account or credited to another account of your choosing every month. Term Share Certificates can be automatically renewed.</p>\n\n<p>And you\'ll be happy to know that your money is safe with us! Your savings accounts are federally insured up to $250,000.00 by the National Credit Union Administration.</p>','certificates-of-deposit',0,NULL,NULL,NULL,'Certificates of Deposit','','','ICON_certificate-of-deposit.png',0),(28,0,0,'Money Market - Holiday Savings Club','Holiday Savings Club','<p>Does the Holiday Season always leave you feeling strapped for cash? This year, be prepared with our Holiday Savings Club. We help you build a savings all year long, so you&#39;ll be ready to spead the cheer. Account balances roll over into your designated accounts on the first business day of November. Just in time for the holidays.</p>','holiday-savings-club',0,NULL,NULL,NULL,'Holiday Savings Club','','','ICON_holiday-savings-club.png',0),(111,0,0,'Monroe Street Corridor Project','North Monroe Corridor Project 2018','<p>The city of Spokane has set up a website called the Monroe Project designed to connect visitors and neighbors in the North Monroe Business district. The website gives updates on construction and lets users sign up for updates through their email. Click the button below to visit the site.</p>\n\n<p><a class=\"btn\" href=\"http://www.monroeproject.com/\" target=\"_blank\" data-warning >Visit the Monroe Project Website</a></p>\n<p>&nbsp;</p>\n<p><b>Project Number: 2015054</b></p>\n\n<img class=\"right\" src=\"https://www.sccu.net/upload_content/2015054_road-section.png\" alt=\"Monroe Street Project Road Section\" />\n<p>The City of Spokane is working on a major project to improve safety, enhance the streetscape, and reconfigure traffic on North Monroe Street. The project, slated for construction in 2018, will improve pedestrian access and create a more cohesive business area, while continuing to support daily traffic volumes.</p>\n\n<p>The North Monroe Corridor Project is about balancing a variety of needs in the corridor. The project will improve street and utility infrastructure in an integrated way that balances multiple modes of transportation with economic development, neighborhood beautification, safety, and enhanced livability.</p>\n\n<p>The project includes reconfiguring the street from five traffic lanes to three lanes, accommodating wider driving lanes, enhanced on-street parking, and wider sidewalks. Other improvements include enhanced lighting, curb bump-outs at intersections that allow for shorter crossing distances, and three crosswalk flashing beacons.</p>\n\n<figure class=\"center\">\n<a href=\"https://www.sccu.net/upload_content/NMONROE-MAP-INSERT-FINAL.PDF\" title=\"Click to download a larger PDF version\"><img class=\"center\" src=\"https://www.sccu.net/upload_content/nmonroe-phases.png\" alt=\"Monroe Street Project Phases\" /></a><br />\n<figcaption>(Click image above to download a larger version)</figcaption>\n</figure>','north-monroe-corridor-project-2018',0,NULL,NULL,NULL,'North Monroe Corridor Project 2018','','','ICON_forms.png',0),(35,0,0,'Disclosures - main','Disclosures','<h5 class=\"text-black\"><a href=\"truth-in-savings-disclosure\" title=\"Truth in Savings Disclosure\">Truth in Savings Disclosure</a></h5>\n<p><img alt=\"Adobe PDF\" src=\"/upload_content/images/pdf_icon.png\" style=\"height:16px; width:16px\" />&nbsp;<a href=\"/upload_content/pdfs/DWABT7_cuf.pdf\">Click here for Printable Version</a></p>\n\n<h5 class=\"text-black\"><a href=\"truth-in-savings-disclosure-for-certificates\" title=\"Truth in Savings Disclosure for Certificates\">Truth in Savings Disclosure for Certificates</a></h5>\n<p><img alt=\"Adobe PDF\" src=\"/upload_content/images/pdf_icon.png\" style=\"height:16px; width:16px\" />&nbsp;<a href=\"/upload_content/pdfs/DWABU3_cuf.pdf\">Click here for Printable Version</a></p>\n\n<h5 class=\"text-black\"><a href=\"privacy-notice\" title=\"Privacy Notice\">Privacy Notice</a></h5>\n<p><img alt=\"Adobe PDF\" src=\"/upload_content/images/pdf_icon.png\" style=\"height:16px; width:16px\" />&nbsp;<a href=\"/upload_content/pdfs/DWAFX1_(DXPS01-E)_cuf.pdf\">Click here for Printable Version</a></p>\n\n<h5 class=\"text-black\"><a href=\"childrens-online-privacy-protection-policy\" title=\"Children\'s Online Privacy Protection Policy\">Children&#39;s Online Privacy Protection Policy</a></h5>\n\n<h5 class=\"text-black\"><a href=\"electronic-funds-transfer-agreement-disclosure\" title=\"Electronic Funds Transfer Agreement Disclosure\">Electronic Funds Transfer Agreement Disclosure</a></h5>\n<p><img alt=\"Adobe PDF\" src=\"/upload_content/images/pdf_icon.png\" style=\"height:16px; width:16px\" />&nbsp;<a href=\"/upload_content/pdfs/dwabh3_cu.pdf\">Click here for Printable Version</a></p>\n\n<h5 class=\"text-black\"><a href=\"funds-availablility\" title=\"Funds Availability\">Funds Availability</a></h5>\n<p><img alt=\"Adobe PDF\" src=\"/upload_content/images/pdf_icon.png\" style=\"height:16px; width:16px\" />&nbsp;<a href=\"/upload_content/pdfs/FundsAvailability.pdf\">Click here for Printable Version</a></p>\n\n<h5 class=\"text-black\"><a href=\"membership-and-account-agreement\" title=\"Membership and Account Agreement\">Membership and Account Agreement</a></h5>\n<p><img alt=\"Adobe PDF\" src=\"/upload_content/images/pdf_icon.png\" style=\"height:16px; width:16px\" />&nbsp;<a href=\"/upload_content/files/Membership Agreement.pdf\">Click here for Printable Version</a></p>\n\n<h5 class=\"text-black\"><a href=\"e-sign-act\" title=\"Electronic Signatures in Global and National Commerce Act\">E-Sign Act Consent and Disclosure</a></h5>\n<p><img alt=\"Adobe PDF\" src=\"/upload_content/images/pdf_icon.png\" style=\"height:16px; width:16px\" />&nbsp;<a href=\"/upload_content/files/E-Sign-disclosure.pdf\">Click here for Printable Version</a></p>\n\n<h5 class=\"text-black\">NCUA Financial Performance Reports</h5>\n<p>Follow the instructions below to get current financial data on SCCU.</p>\n\n<ol>\n  <li>Visit <a href=\"https://fpr.ncua.gov/?cu_number=68283\" target=\"_blank\"  data-warning>https://fpr.ncua.gov</a>.</li>\n  <li>Select the \"I want to view a 2-page FPR summary for one credit union online\" option and click the OK button.</li>\n  <li>On the Financial Performance Online Reports screen, enter SCCU\'s charter number (68283) in the field provided if not already pre-filled.</li>\n  <li>Choose the Report Cycle date and Report Interval from the respective drop down menus.</li>\n  <li>Click either the FINANCIAL SUMMARY or the RATIO ANALYSIS button to display the report.</li>\n</ol>\n<p>More information about the National Credit Union Administration (NCUA) can be found online at <a href=\"https://www.ncua.gov/\" target=\"_blank\"  data-warning>www.ncua.gov</a>.\n\n<h5 class=\"text-black\"><a href=\"charitable-giving-and-assistance-policy\" title=\"Charitable Giving and Assistance Policy\">Charitable Giving and Assistance Policy</a></h5>\n<p><img alt=\"Adobe PDF\" src=\"/upload_content/images/pdf_icon.png\" style=\"height:16px; width:16px\" />&nbsp;<a href=\"/upload_content/pdfs/SCCU_External_Giving_Policy.pdf\">Click here for Printable Version</a></p>\n\n<h5 class=\"text-black\">2018 Annual Report to Membership</h5>\n<p><img alt=\"Adobe PDF\" src=\"/upload_content/images/pdf_icon.png\" style=\"height:16px; width:16px\" />&nbsp;<a href=\"/upload_content/pdfs/2018_Annual_Report_to_Membership.pdf\">Click here for Printable Version</a></p>','disclosures',0,NULL,NULL,NULL,'Disclosures','','','ICON_disclosures.png',0),(36,0,0,'Disclosures - Truth in Savings','Truth in Savings Disclosure','<h2 class=\"text-primary\">RATE SCHEDULE</h2>\n<address><p>The rates, fees and terms applicable to your account at the Credit Union are provided with this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.</p></address>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</p>\n<table class=\"terms\" border=\"0\" cellpadding=\"4\" cellspacing=\"0\" width=\"100%\" style=\"border-collapse:collapse; border:1px solid #3b8149;\">\n  <tr>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:20%; font-weight: bold;\">ACCOUNT TYPE</td>\n    <td colspan=\"4\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:40%; font-weight: bold;\">DIVIDENDS</td>\n    <td colspan=\"4\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:32%; font-weight: bold;\">BALANCE REQUIREMENTS</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;\">ACCOUNT LIMITATIONS</td>\n  </tr>\n  <tr>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width: 20%; min-width:200px; font-weight: bold;\">Dividend Rate/ Annual Percentage Yield (APY)</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;\">Dividends<br />\n    Compounded</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;\">Dividends <br />\n    Credited</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;\">Dividend<br />\n    Period</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;\">Minimum Opening Deposit</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;\">Minimum Balance to Avoid a Service Fee</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;\">Minimum Balance to Earn the Stated APY</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;\">Balance Method to Calculate Dividends</td>\n  </tr>\n  <tr>\n    <td style=\"border:1px solid #3b8149; vertical-align:middle; font-weight: bold;\">Share</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$5.00 to $999.99<br />\n      .250\n/ .250<br />\n$1,000.00 to $4,999.99<br />\n      .250\n/ .250<br />    \n$5,000.00 to $9,999.99<br />\n.250\n/ .250<br /> \n$10,000.00 to $24,999.99<br />\n.250\n/ .250<br />\n$25,000.00 to $49,999.99<br />\n.250\n/ .250<br /> \n$50,000.00 to $99,999.99<br />\n.250\n/ .250<br />\n$100,000.00 or greater<br />\n.250\n/ .250</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly (Calendar)</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$5.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Daily Balance</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Account transfer and withdrawal limitations apply.</td>\n  </tr>\n  <tr>\n    <td style=\"border:1px solid #3b8149; vertical-align:middle; font-weight: bold;\">Holiday Savings Club</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.500\n/ .500</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly (Calendar)</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$25.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$25.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Daily Balance</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Account withdrawal limitations apply.</td>\n  </tr>\n  <tr>\n    <td style=\"border:1px solid #3b8149; vertical-align:middle; font-weight: bold;\">Traditional IRA</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$50.00 to $999.99<br />\n      .250\n/ .250<br />\n$1,000.00 to $4,999.99<br />\n.250\n/ .250<br />\n$5,000.00 to $9,999.99<br />\n.260\n/ .260<br /> \n$10,000.00 to $24,999.99<br />\n.270\n/ .270<br />\n$25,000.00 to $49,999.99<br />\n.280\n/ .280<br />\n$50,000.00 to $99,999.99<br />\n.290\n/ .290<br />\n$100,000.00 or greater<br />\n.300\n/ .300</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly (Calendar)</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$50.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$50.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Daily Balance</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Account transfer and withdrawal limitations apply.</td>\n  </tr>\n  <tr>\n    <td style=\"border:1px solid #3b8149; vertical-align:middle; font-weight: bold;\">Roth IRA</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">\n    $50.00 to $999.99<br />\n      .250\n      / .250<br />    \n    $1,000.00 to $4,999.99<br />\n    .250\n/ .250<br />\n$5,000.00 to $9,999.99 / <br />\n.260\n/ .260<br />\n$10,000.00 to $24,999.99 / <br />\n.270\n/ .270 <br />\n$25,000.00 to $49,999.99<br />\n.280\n/ .280<br />\n$50,000.00 to $99,999.99<br />\n.290\n/ .290<br /> \n$100,000.00 or greater<br />\n.300\n/ .300</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly (Calendar)</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$50.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$50.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Daily Balance</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Account transfer and withdrawal limitations apply.</td>\n  </tr>\n  <tr>\n    <td style=\"border:1px solid #3b8149; vertical-align:middle; font-weight: bold;\">Coverdell Education Savings</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.500\n/ .500</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly (Calendar)</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$50.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$50.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Daily Balance</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Account transfer and withdrawal limitations apply.</td>\n  </tr>\n  <tr>\n    <td style=\"border:1px solid #3b8149; vertical-align:middle; font-weight: bold;\">Preferred Share Investment <br />\n    (Money Market)</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$5,000.00 to $24,999.99 / <br />\n      .350\n    / .350<br />    \n    $25,000.00 to $49,999.99<br />\n    .450\n    / .450<br />\n    $50,000.00 to $99,999.99<br />\n    .550\n    / .550<br />    \n    $100,000.00 or greater<br />\n    .570\n    / .570</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly (Calendar)</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$5,000.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$5,000.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Daily Balance</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Account withdrawal limitations apply.</td>\n  </tr>\n  <tr>\n    <td style=\"border:1px solid #3b8149; vertical-align:middle; font-weight: bold;\">Share Draft</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$25.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n  </tr>\n</table>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</p>\n\n<h2 class=\"text-primary\">ACCOUNT DISCLOSURES</h2>\n<p><b>Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts.</b></p>\n\n<h5><span>1. Rate Information.</span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Share, Traditional IRA, Roth IRA, Coverdell Education Savings, and Preferred Share Investment (Money Market) accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union%u2019s Board of Directors. For Holiday Savings Club accounts, the dividend rate and annual percentage yield may change annually as determined by the Credit Union%u2019s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date that is set forth in the Rate Schedule. Share, Traditional IRA, Roth IRA, and Preferred Share Investment (Money Market) accounts are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For tiered accounts, once a particular range is\nmet, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.</span></p>\n\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</h3>\n\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\"><span>2. Natue of Dividends. </span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.</span></p>\n\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</h3>\n\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\"><span>3. Dividend Compounding and Crediting. </span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the\nperiod of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.</span></p>\n\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</h3>\n\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\"><span>4. Accrual of Dividends. </span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Share, Holiday Savings Club, Traditional IRA, Roth IRA, Coverdell Education Savings, and Preferred Share Investment (Money Market) accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. However, for Holiday Savings Club accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it.</span></p>\n\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</h3>\n\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\"><span>5. Balance Information. </span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>To open any account, you must pay a nonrefundable membership fee. Some accounts may have additional minimum opening deposit requirements. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Share, Holiday Savings Club, Traditional IRA, Roth IRA, Coverdell Education\nSavings, and Preferred Share Investment (Money Market) accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance requirement is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the daily balance method as stated in the Rate Schedule dividends are calculated by applying a daily periodic rate to the principal in the account each day.</span></p>\n\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</h3>\n\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\"><span>6. Account Limitations. </span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>For Share, Traditional IRA, Roth IRA, and Coverdell Education Savings accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Holiday Savings Club accounts, the entire balance will be transferred to another account of yours on or after November 1 and the account will remain open. You may not make withdrawals from your account at any other time. If you wish to access the funds in your Holiday Savings Club account, you may close it. If you close your account, you will be charged a fee as stated in the Fee\nSchedule. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. For Holiday Savings Club accounts, a minimum $25.00 monthly deposit is required. Maximum deposit balance is $5,000.00. For Preferred Share Investment (Money Market) accounts, you may make three (3) withdrawal(s) or transfer(s) from your account each month and the minimum amount of withdrawal or transfer is $500.00. If you exceed this limitation, your account may be closed. For Share Draft accounts, no account limitations apply.</span></p>\n\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</h3>\n\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\"><span>7. Fees for Overdrawing Accounts </span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft\nprotection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient\navailable account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection\nlimit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.</span></p>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt; margin-top:10px;\"><span>For ATM and one-time debit card transactions, you must consent to the Credit Union%u2019s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the member%u2019s opt-in choice for overdraft protection and the Schedule of Fees and Charges.</span></p>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</p>\n\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\"><span>8. Membership. </span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>As a condition of membership, you must pay a nonrefundable membership fee as set forth below.</span></p>\n\n<ul>\n	<li style=\"display:block; list-style:none; width:300px; padding-top:20px;\"><span style=\"display:inline-block; width:200px; float:left;\">Membership Fee</span><span style=\"display:inline-block; width:100px;\">$20.00</span></li>\n</ul>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</p>\n\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\"><span>9. Rates.</span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>The rates appearing with this Schedule are accurate as of the last dividend declaration date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate information on your accounts, please call the Credit Union.</span></p>\n\n<p>&nbsp;</p>\n\n<h2 class=\"text-primary\">FEE SCHEDULE</h2>\n\n<table border=\"0\" cellpadding=\"4\" cellspacing=\"0\" width=\"100%\">\n	<tbody>\n		<tr style=\"border-top:none;\">\n			<td colspan=\"2\">\n		    <h5>General Fees</h5></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Account Activity Printout</div>\n			</td>\n			<td>\n			<div>$5.00 / Printout</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Account Closure</div>\n</td>\n			<td>\n			<div>$5.00 if account closed within ninety (90) days</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Account Reconciliation</div>\n			</td>\n			<td>\n			<div>$20.00 / Hour and $20.00 minimum charge</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Account Research</div>\n			</td>\n			<td>\n			<div>$20.00 / Hour and $20.00 minimum charge</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Canadian Item Deposit</div>\n			</td>\n			<td>\n            <div>$10.00 / Item</div>\n          </td>\n		</tr>\n		<tr>\n			<td><div>Cashier&rsquo;s Check</div></td>\n			<td><div>$2.00 / Check if not payable to account owner</div></td>\n		</tr>\n		<tr>\n			<td><div>Deposit Item Return</div></td>\n			<td><div>$30.00 / Item</div></td>\n		</tr>\n		<tr>\n			<td><div>Foreign Item Deposit</div></td>\n			<td><div>At Cost</div></td>\n		</tr>\n		<tr>\n			<td><div>Holiday Savings Club Account Early Closure</div></td>\n			<td><div>$10.00</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Inactive Membership</div>\n			</td>\n			<td><div>$5.00 / Month Charged after 1 year</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>IRA Annual Fee</div>\n			</td>\n			<td><div>The amount charged by the administrator</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Money Order</div>\n			</td>\n			<td><div>$2.00 / Money Order</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Noncompensating Funds Check Cashing</div>\n			</td>\n			<td><div>$10.00 / Check</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Notary</div>\n			</td>\n			<td><div>$5.00 / Notary act</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Overdraft Transfer from Line of Credit</div>\n			</td>\n			<td><div>$5.00 / Transfer</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Photocopy</div>\n			</td>\n			<td><div>$2.00 / Copy</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Returned Statement Mail</div>\n			</td>\n			<td><div>$5.00 / Month</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Statement Copy</div>\n			</td>\n			<td><div>$5.00 / Copy</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Stop Payment Cashier&rsquo;s Check</div>\n			</td>\n			<td><div>$10.00 / Check if original check returned</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Stop Payment Cashier&rsquo;s Check</div>\n			</td>\n			<td><div>$35.00 / Check if original check not returned</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Visa Gift Card Purchase ($10.00 - $500.00)</div>\n			</td>\n			<td><div>$3.95 / Card</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Wire Transfer (Incoming)</div>\n			</td>\n			<td><div>$5.00 / Transfer</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Wire Transfer (Outgoing) Domestic</div>\n			</td>\n			<td><div>$25.00 / Transfer</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Wire Transfer (Outgoing) International</div>\n			</td>\n			<td><div>$5.00 / Transfer</div></td>\n		</tr>\n\n<tr>\n			<td colspan=\"2\">\n            <h5>Share Draft Account Fees</h5></td>\n		</tr>\n		<tr>\n			<td height=\"22\">\n			<div>NSF</div>\n			</td>\n			<td>\n			<div>$30.00 / Item</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Overdraft</div>\n			</td>\n			<td>\n			<div>$30.00 / Item</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Overdraft transfer from Line of Credit</div>\n			</td>\n			<td><div>$5.00 / Transfer</div>\n		  </td>\n		</tr>\n		<tr>\n			<td>\n			<div>Privilege Pay Overdrafts</div>\n			</td>\n			<td>\n			<div>$30.00</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Returned Item</div>\n			</td>\n			<td>\n			<div>$30.00 / Item</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Share Draft Printing</div>\n			</td>\n			<td>\n			<div>Prices may vary depending upon style</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Stop Payment</div>\n			</td>\n			<td>\n			<div>$30.00 / Request</div>\n			</td>\n		</tr>\n\n		<tr>\n			<td colspan=\"2\">\n			  <h5>EFT Fees</h5>\n			</td>\n		</tr>\n<tr>\n			<td>\n			<div>ACH Overdraft</div>\n			</td>\n			<td>\n			<div>$30.00 / Item</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>ATM Fees at Coop network ATM&rsquo;s</div>\n			</td>\n			<td>\n			<div>None</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>ATM Fees at non-Coop network ATM&rsquo;s</div>\n			</td>\n			<td>\n			<div>Any ATM surcharges by other financial institutions will be charged to your account.</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Debit Card Overdraft</div>\n			</td>\n			<td>\n			$30.00 / Item\n		  </td>\n		</tr>\n		<tr>\n			<td>\n			<div>Expedited deliver of debit card and/or PIN</div>\n			</td>\n			<td>\n			  <div>$5.00-$30.00 for card</div>\n			  <div>$5.00-$30.00 for PIN</div>\n              <div>Costs depend upon choice of delivery service</div>\n            </td>\n		</tr>\n		<tr>\n			<td>\n			<div>International Transactions &#8212; ATM and Point of Sale</div>\n			</td>\n			<td>\n			<div>1.00% of transaction, single and multi-currency</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Online Bill Payer</div>\n			</td>\n			<td>\n			<div>Free</div>\n			</td>\n		</tr>\n\n\n		<tr>\n			<td colspan=\"2\">\n			  <h5>Safe Deposit Box Fees</h5>\n			</td>\n</tr>\n		<tr>\n			<td>\n			<div>Annual Rental Size</div>\n            <div>3\" x 5\" Box</div>\n            <div>3\" x 10\" Box</div>\n            <div>5\" x 10\" Box</div>\n			</td>\n			<td>\n			<div>Fee</div>\n            <div>$25.00 / Year</div>\n            <div>$35.00 / Year</div>\n            <div>$45.00 / Year</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Change of Locks</div>\n			</td>\n			<td>\n			<div>Costs will vary, we will bill the technician&rsquo;s cost</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Drilling of Boxes</div>\n			</td>\n			<td>\n			<div>Costs will vary, we will bill the technician&rsquo;s cost</div>\n			</td>\n		</tr>\n        \n<tr>\n			<td colspan=\"2\">\n			  <h5>Loan Fees</h5>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Credit Card Annual Fee &#8211; Classic Visa</div>\n			</td>\n			<td>\n			<div>$12.00</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Credit Card Annual Fee &#8211; Secured Visa</div>\n</td>\n			<td>\n			<div>$25.00</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Expedited Visa Card/PIN delivery</div>\n			</td>\n			<td>\n			<div>Cost depends upon choice of service</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>HELOC Annual Fee</div>\n			</td>\n			<td>\n			<div>Up to $50.00</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Late loan payment</div>\n			</td>\n			<td>\n			<div>5.00% of Payment, minimum $25.00</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Visa Cash Advance Fee</div>\n			</td>\n			<td>\n			<div>2.00% of cash advance, minimum $5.00</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Add VSI Insurance</div>\n			</td>\n			<td>\n			<div>$50.00 Charged to account</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Loan payments by phone</div>\n			</td>\n			<td>\n			<div>Up to $18.00</div>\n			</td>\n		</tr>\n	</tbody>\n</table>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</p>\n\n<p>The rates, fees and terms applicable to your account at the Credit Union are provided with this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.</p>\n\n<p>Effective 9/11/2019</p>\n\n\n<div style=\"display:none;\">\n<address><p>The rates, fees and terms applicable to your account at the Credit Union are provided with this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.</p></address>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</p>\n<table class=\"terms\" border=\"0\" cellpadding=\"4\" cellspacing=\"0\" width=\"100%\" style=\"border-collapse:collapse; border:1px solid #3b8149;\">\n  <tr>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:20%; font-weight: bold;\">ACCOUNT TYPE</td>\n    <td colspan=\"4\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:40%; font-weight: bold;\">DIVIDENDS</td>\n    <td colspan=\"4\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:32%; font-weight: bold;\">BALANCE REQUIREMENTS</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;\">ACCOUNT LIMITATIONS</td>\n  </tr>\n  <tr>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width: 20%; min-width:200px; font-weight: bold;\">Dividend Rate/ Annual Percentage Yield (APY)</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;\">Dividends<br />\n    Compounded</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;\">Dividends <br />\n    Credited</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;\">Dividend<br />\n    Period</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;\">Minimum Opening Deposit</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;\">Minimum Balance to Avoid a Service Fee</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;\">Minimum Balance to Earn the Stated APY</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;\">Balance Method to Calculate Dividends</td>\n  </tr>\n  <tr>\n    <td style=\"border:1px solid #3b8149; vertical-align:middle; font-weight: bold;\">Share</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$5.00 to $999.99<br />\n      .250\n/ .250<br />\n$1,000.00 to $4,999.99<br />\n      .250\n/ .250<br />    \n$5,000.00 to $9,999.99<br />\n.260\n/ .260<br /> \n$10,000.00 to $24,999.99<br />\n.270\n/ .270<br />\n$25,000.00 to $49,999.99<br />\n.280\n/ .280<br /> \n$50,000.00 to $99,999.99<br />\n.290\n/ .290<br />\n$100,000.00 or greater<br />\n.300\n/ .300</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly (Calendar)</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$5.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Daily Balance</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Account transfer and withdrawal limitations apply.</td>\n  </tr>\n  <tr>\n    <td style=\"border:1px solid #3b8149; vertical-align:middle; font-weight: bold;\">Holiday Savings Club</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.500\n/ .500</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly (Calendar)</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$25.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$25.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Daily Balance</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Account withdrawal limitations apply.</td>\n  </tr>\n  <tr>\n    <td style=\"border:1px solid #3b8149; vertical-align:middle; font-weight: bold;\">Traditional IRA</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$50.00 to $999.99<br />\n      .250\n/ .250<br />\n$1,000.00 to $4,999.99<br />\n.250\n/ .250<br />\n$5,000.00 to $9,999.99<br />\n.260\n/ .260<br /> \n$10,000.00 to $24,999.99<br />\n.270\n/ .270<br />\n$25,000.00 to $49,999.99<br />\n.280\n/ .280<br />\n$50,000.00 to $99,999.99<br />\n.290\n/ .290<br />\n$100,000.00 or greater<br />\n.300\n/ .300</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly (Calendar)</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$50.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$50.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Daily Balance</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Account transfer and withdrawal limitations apply.</td>\n  </tr>\n  <tr>\n    <td style=\"border:1px solid #3b8149; vertical-align:middle; font-weight: bold;\">Roth IRA</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">\n    $50.00 to $999.99<br />\n      .250\n      / .250<br />    \n    $1,000.00 to $4,999.99<br />\n    .250\n/ .250<br />\n$5,000.00 to $9,999.99 / <br />\n.260\n/ .260<br />\n$10,000.00 to $24,999.99 / <br />\n.270\n/ .270 <br />\n$25,000.00 to $49,999.99<br />\n.280\n/ .280<br />\n$50,000.00 to $99,999.99<br />\n.290\n/ .290<br /> \n$100,000.00 or greater<br />\n.300\n/ .300</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly (Calendar)</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$50.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$50.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Daily Balance</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Account transfer and withdrawal limitations apply.</td>\n  </tr>\n  <tr>\n    <td style=\"border:1px solid #3b8149; vertical-align:middle; font-weight: bold;\">Coverdell Education Savings</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.500\n/ .500</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Quarterly (Calendar)</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$50.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$50.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Daily Balance</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Account transfer and withdrawal limitations apply.</td>\n  </tr>\n  <tr>\n    <td style=\"border:1px solid #3b8149; vertical-align:middle; font-weight: bold;\">Preferred Share Investment <br />\n    (Money Market)</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$5,000.00 to $24,999.99 / <br />\n      .350\n    / .350<br />    \n    $25,000.00 to $49,999.99<br />\n    .450\n    / .450<br />\n    $50,000.00 to $99,999.99<br />\n    .550\n    / .550<br />    \n    $100,000.00 or greater<br />\n    .570\n    / .570</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly (Calendar)</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$5,000.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$5,000.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Daily Balance</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Account withdrawal limitations apply.</td>\n  </tr>\n  <tr>\n    <td style=\"border:1px solid #3b8149; vertical-align:middle; font-weight: bold;\">Share Draft</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$25.00</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&#8212;</td>\n  </tr>\n</table>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</p>\n\n<h2 class=\"text-primary\">ACCOUNT DISCLOSURES</h2>\n<p><b>Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts.</b></p>\n\n<h5><span>1. Rate Information.</span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Share, Traditional IRA, Roth IRA, Coverdell Education Savings, and Preferred Share Investment (Money Market) accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union%u2019s Board of Directors. For Holiday Savings Club accounts, the dividend rate and annual percentage yield may change annually as determined by the Credit Union%u2019s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date that is set forth in the Rate Schedule. Share, Traditional IRA, Roth IRA, and Preferred Share Investment (Money Market) accounts are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For tiered accounts, once a particular range is\nmet, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.</span></p>\n\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</h3>\n\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\"><span>2. Natue of Dividends. </span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.</span></p>\n\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</h3>\n\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\"><span>3. Dividend Compounding and Crediting. </span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the\nperiod of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.</span></p>\n\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</h3>\n\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\"><span>4. Accrual of Dividends. </span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Share, Holiday Savings Club, Traditional IRA, Roth IRA, Coverdell Education Savings, and Preferred Share Investment (Money Market) accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. However, for Holiday Savings Club accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it.</span></p>\n\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</h3>\n\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\"><span>5. Balance Information. </span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>To open any account, you must pay a nonrefundable membership fee. Some accounts may have additional minimum opening deposit requirements. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Share, Holiday Savings Club, Traditional IRA, Roth IRA, Coverdell Education\nSavings, and Preferred Share Investment (Money Market) accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance requirement is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the daily balance method as stated in the Rate Schedule dividends are calculated by applying a daily periodic rate to the principal in the account each day.</span></p>\n\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</h3>\n\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\"><span>6. Account Limitations. </span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>For Share, Traditional IRA, Roth IRA, and Coverdell Education Savings accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Holiday Savings Club accounts, the entire balance will be transferred to another account of yours on or after November 1 and the account will remain open. You may not make withdrawals from your account at any other time. If you wish to access the funds in your Holiday Savings Club account, you may close it. If you close your account, you will be charged a fee as stated in the Fee\nSchedule. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. For Holiday Savings Club accounts, a minimum $25.00 monthly deposit is required. Maximum deposit balance is $5,000.00. For Preferred Share Investment (Money Market) accounts, you may make three (3) withdrawal(s) or transfer(s) from your account each month and the minimum amount of withdrawal or transfer is $500.00. If you exceed this limitation, your account may be closed. For Share Draft accounts, no account limitations apply.</span></p>\n\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</h3>\n\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\"><span>7. Fees for Overdrawing Accounts </span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft\nprotection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient\navailable account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection\nlimit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.</span></p>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt; margin-top:10px;\"><span>For ATM and one-time debit card transactions, you must consent to the Credit Union%u2019s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the member%u2019s opt-in choice for overdraft protection and the Schedule of Fees and Charges.</span></p>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</p>\n\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\"><span>8. Membership. </span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>As a condition of membership, you must pay a nonrefundable membership fee as set forth below.</span></p>\n\n<ul>\n	<li style=\"display:block; list-style:none; width:300px; padding-top:20px;\"><span style=\"display:inline-block; width:200px; float:left;\">Membership Fee</span><span style=\"display:inline-block; width:100px;\">$20.00</span></li>\n</ul>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</p>\n\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\"><span>9. Rates.</span></h5>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>The rates appearing with this Schedule are accurate as of the last dividend declaration date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate information on your accounts, please call the Credit Union.</span></p>\n\n<p>&nbsp;</p>\n\n<h2 class=\"text-primary\">FEE SCHEDULE</h2>\n\n<table border=\"0\" cellpadding=\"4\" cellspacing=\"0\" width=\"100%\">\n	<tbody>\n		<tr style=\"border-top:none;\">\n			<td colspan=\"2\">\n		    <h5>General Fees</h5></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Account Activity Printout</div>\n			</td>\n			<td>\n			<div>$5.00 / Printout</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Account Closure</div>\n</td>\n			<td>\n			<div>$5.00 if account closed within ninety (90) days</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Account Reconciliation</div>\n			</td>\n			<td>\n			<div>$20.00 / Hour and $20.00 minimum charge</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Account Research</div>\n			</td>\n			<td>\n			<div>$20.00 / Hour and $20.00 minimum charge</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Canadian Item Deposit</div>\n			</td>\n			<td>\n            <div>$10.00 / Item</div>\n          </td>\n		</tr>\n		<tr>\n			<td><div>Cashier&rsquo;s Check</div></td>\n			<td><div>$2.00 / Check if not payable to account owner</div></td>\n		</tr>\n		<tr>\n			<td><div>Deposit Item Return</div></td>\n			<td><div>$30.00 / Item</div></td>\n		</tr>\n		<tr>\n			<td><div>Foreign Item Deposit</div></td>\n			<td><div>At Cost</div></td>\n		</tr>\n		<tr>\n			<td><div>Holiday Savings Club Account Early Closure</div></td>\n			<td><div>$10.00</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Inactive Membership</div>\n			</td>\n			<td><div>$5.00 / Month Charged after 1 year</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>IRA Annual Fee</div>\n			</td>\n			<td><div>The amount charged by the administrator</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Money Order</div>\n			</td>\n			<td><div>$2.00 / Money Order</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Noncompensating Funds Check Cashing</div>\n			</td>\n			<td><div>$10.00 / Check</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Notary</div>\n			</td>\n			<td><div>$5.00 / Notary act</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Overdraft Transfer from Line of Credit</div>\n			</td>\n			<td><div>$5.00 / Transfer</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Photocopy</div>\n			</td>\n			<td><div>$2.00 / Copy</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Returned Statement Mail</div>\n			</td>\n			<td><div>$5.00 / Month</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Statement Copy</div>\n			</td>\n			<td><div>$5.00 / Copy</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Stop Payment Cashier&rsquo;s Check</div>\n			</td>\n			<td><div>$10.00 / Check if original check returned</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Stop Payment Cashier&rsquo;s Check</div>\n			</td>\n			<td><div>$35.00 / Check if original check not returned</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Visa Gift Card Purchase ($10.00 - $500.00)</div>\n			</td>\n			<td><div>$3.95 / Card</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Wire Transfer (Incoming)</div>\n			</td>\n			<td><div>$5.00 / Transfer</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Wire Transfer (Outgoing) Domestic</div>\n			</td>\n			<td><div>$25.00 / Transfer</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Wire Transfer (Outgoing) International</div>\n			</td>\n			<td><div>$50.00 / Transfer</div></td>\n		</tr>\n\n<tr>\n			<td colspan=\"2\">\n            <h5>Share Draft Account Fees</h5></td>\n		</tr>\n		<tr>\n			<td height=\"22\">\n			<div>NSF</div>\n			</td>\n			<td>\n			<div>$30.00 / Item</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Overdraft</div>\n			</td>\n			<td>\n			<div>$30.00 / Item</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Overdraft transfer from Line of Credit</div>\n			</td>\n			<td><div>$5.00 / Transfer</div>\n		  </td>\n		</tr>\n		<tr>\n			<td>\n			<div>Privilege Pay Overdrafts</div>\n			</td>\n			<td>\n			<div>$30.00</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Returned Item</div>\n			</td>\n			<td>\n			<div>$30.00 / Item</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Share Draft Printing</div>\n			</td>\n			<td>\n			<div>Prices may vary depending upon style</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Stop Payment</div>\n			</td>\n			<td>\n			<div>$30.00 / Request</div>\n			</td>\n		</tr>\n\n		<tr>\n			<td colspan=\"2\">\n			  <h5>EFT Fees</h5>\n			</td>\n		</tr>\n<tr>\n			<td>\n			<div>ACH Overdraft</div>\n			</td>\n			<td>\n			<div>$30.00 / Item</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>ATM Fees at Coop network ATM&rsquo;s</div>\n			</td>\n			<td>\n			<div>None</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>ATM Fees at non-Coop network ATM&rsquo;s</div>\n			</td>\n			<td>\n			<div>Any ATM surcharges by other financial institutions will be charged to your account.</div></td>\n		</tr>\n		<tr>\n			<td>\n			<div>Debit Card Overdraft</div>\n			</td>\n			<td>\n			$30.00 / Item\n		  </td>\n		</tr>\n		<tr>\n			<td>\n			<div>Expedited deliver of debit card and/or PIN</div>\n			</td>\n			<td>\n			  <div>$5.00-$30.00 for card</div>\n			  <div>$5.00-$30.00 for PIN</div>\n              <div>Costs depend upon choice of delivery service</div>\n            </td>\n		</tr>\n		<tr>\n			<td>\n			<div>International Transactions &#8212; ATM and Point of Sale</div>\n			</td>\n			<td>\n			<div>1.00% of transaction, single and multi-currency</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Online Bill Payer</div>\n			</td>\n			<td>\n			<div>Free</div>\n			</td>\n		</tr>\n\n\n		<tr>\n			<td colspan=\"2\">\n			  <h5>Safe Deposit Box Fees</h5>\n			</td>\n</tr>\n		<tr>\n			<td>\n			<div>Annual Rental Size</div>\n            <div>3\" x 5\" Box</div>\n            <div>3\" x 10\" Box</div>\n            <div>5\" x 10\" Box</div>\n			</td>\n			<td>\n			<div>Fee</div>\n            <div>$25.00 / Year</div>\n            <div>$35.00 / Year</div>\n            <div>$45.00 / Year</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Change of Locks</div>\n			</td>\n			<td>\n			<div>Costs will vary, we will bill the technician&rsquo;s cost</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Drilling of Boxes</div>\n			</td>\n			<td>\n			<div>Costs will vary, we will bill the technician&rsquo;s cost</div>\n			</td>\n		</tr>\n        \n<tr>\n			<td colspan=\"2\">\n			  <h5>Loan Fees</h5>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Credit Card Annual Fee &#8211; Classic Visa</div>\n			</td>\n			<td>\n			<div>$12.00</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Credit Card Annual Fee &#8211; Secured Visa</div>\n</td>\n			<td>\n			<div>$25.00</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Expedited Visa Card/PIN delivery</div>\n			</td>\n			<td>\n			<div>Cost depends upon choice of service</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>HELOC Annual Fee</div>\n			</td>\n			<td>\n			<div>Up to $50.00</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Late loan payment</div>\n			</td>\n			<td>\n			<div>5.00% of Payment, minimum $25.00</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Visa Cash Advance Fee</div>\n			</td>\n			<td>\n			<div>2.00% of cash advance, minimum $5.00</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Add VSI Insurance</div>\n			</td>\n			<td>\n			<div>$50.00 Charged to account</div>\n			</td>\n		</tr>\n		<tr>\n			<td>\n			<div>Loan payments by phone</div>\n			</td>\n			<td>\n			<div>Up to $18.00</div>\n			</td>\n		</tr>\n	</tbody>\n</table>\n\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</p>\n\n<p>The rates, fees and terms applicable to your account at the Credit Union are provided with this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.</p>\n\n<p>Effective 12/31/2018</p>\n</div>\n\n<div><img alt=\"\" src=\"/upload_content/images/NCUA Logo.jpg\" style=\"width: 150px; height: 70px;\" /></div>','truth-in-savings-disclosure',0,NULL,NULL,NULL,'Truth in Savings Disclosure','','','ICON_disclosures.png',0),(37,0,0,'Disclosures - Truth in Savings Disclosure for Certificates','Truth in Savings Disclosure for Certificates','<p><b>Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts.</b></p>\n\n<h5>1. Rate Information.</h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the annual percentage yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.</span></p>\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</h3>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>2. Dividend Period. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>For each account, the dividend period is the account\'s term. The dividend period begins on the first day of the term and ends on the maturity date.</span></p>\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</h3>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>3. Dividend Compounding and Crediting. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>The compounding and crediting frequency of dividends are stated in the Rate Schedule.</span></p>\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</h3>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>4. Balance Information. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>To open any account, you must pay a nonrefundable membership fee. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For all accounts, Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.</span></p>\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</h3>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>5. Accrual of Dividends. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For CU Succeed Term Share Certificate accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.</span></p>\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</h3>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>6. Transaction Limitations. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>For all accounts, your ability to make deposits to your account and any limitations on such transactions are stated in the Rate Schedule. After your account is opened, you may make withdrawals subject to the early withdrawal penalties stated below and your account will be closed. Partial withdrawals are not allowed. For CU Succeed Term Share Certificate accounts, the maximum certificate balance if $25,000.00.</span></p>\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</h3>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>7. Maturity. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>Your account will mature as stated on this Truth-in-Savings Disclosure or on your Account Receipt or Renewal Notice.</span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</p>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>8. Early Withdrawal Penalty. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>We may impose a penalty if you withdraw funds from your account before the maturity date.</span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span><b>a. Amount of Penalty.</b> For all accounts, the amount of the withdrawal penalty will be a loss of all accrued dividends on the amount withdrawn; however, the penalty will never be less than seven (7) days dividends and will never exceed 90 days\' dividends.</span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n</p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span><b>b. How the Penalty Works. </b>The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal.</span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n</p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span><b>c. Exceptions to Early Withdrawal Penalties. </b>At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:</span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>(i) When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>(ii) Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after the establishment of the account; or where the account is a Keogh Plan (Keogh), provided that the depositor forfeits an amount at least equal to the simple dividends earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 59&frac12; or becomes disabled.</span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</p>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>9. Renewal Policy. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>The renewal policy for your accounts is stated in the Rate Schedule. For accounts that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. </span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</p>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>10. Nontransferable/Nonnegotiable. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>Your account is nontransferable and nonnegotiable.</span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</p>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>11. Membership. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>As a condition of membership, you must pay a nonrefundable membership fee as set forth below.</span></p>\n<ul>\n	<li style=\"display:block; list-style:none; width:300px; margin-top:20px;\"><span style=\"display:inline-block; width:200px; float:left;\">Membership Fee</span><span style=\"display:inline-block; width:100px;\">$20.00</span></li>\n</ul>\n\n \n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</p>\n<h2 class=\"text-primary\">RATE SCHEDULE</h2>\n<address><p>The rates, fees and terms applicable to your account at the Credit Union are provided with this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.</p></address>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</p>\n<table border=\"0\" cellpadding=\"4\" cellspacing=\"0\" width=\"100%\" style=\"border-collapse:collapse; border:1px solid #3b8149;\">\n  <tr>\n    <td width=\"20%\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&nbsp;</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Dividend<br />\n    Rate<br />\n    (%)</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Annual<br />\n    Percentage<br />\n    Yield (APY) %</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Rate Type</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Minimum<br />\n    Opening<br />\n    Deposit</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Dividends<br />\n    Compounded</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Dividends <br />\n    Credited</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Dividend<br />\n    Period</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Additional<br />\n    Deposits</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Withdrawals</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Renewable</td>\n  </tr>\n  <tr>\n    <td colspan=\"3\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Term Share Certificate Accounts</td>\n    <td rowspan=\"5\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Fixed Rate</td>\n    <td rowspan=\"5\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$1,000.00</td>\n    <td rowspan=\"5\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly</td>\n    <td rowspan=\"5\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly</td>\n    <td rowspan=\"5\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Account\'s Term</td>\n    <td rowspan=\"5\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Allowed - No Limit</td>\n    <td rowspan=\"5\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Allowed - <br />\n      See Transaction <br />\n      Limitations <br />\n    section</td>\n    <td rowspan=\"5\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Automatic</td>\n  </tr>\n  <tr>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">6 Month</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.50</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.50</td>\n  </tr>\n  <tr>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">12 Month</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.75</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.75</td>\n  </tr>\n  <tr>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">24 Month</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">1.0</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">1.0</td>\n  </tr>\n  <tr>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">36 Month</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">2.0</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">2.0</td>\n  </tr>\n  <tr>\n    <td colspan=\"3\" style=\"border:1px solid #3b8149; vertical-align:middle;\">CU Succeed Term Share Certificate Accounts<br />\n      (Members under age 18)</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Fixed Rate</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$100.00</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Account\'s Term</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Minimum<br />\n    Monthly<br />\n    Deposit of<br />\n    $10.00</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Allowed - <br />\nSee Transaction <br />\nLimitations <br />\nsection</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Automatic</td>\n  </tr>\n  <tr>\n    <td>12 Month</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.50</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.50</td>\n  </tr>\n</table>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</p>\n\n<p>The rates and fees appearing in this Schedule are accurate as of the Effective Date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.</p>\n<p>Effective 9/11/2019</p>\n<div><img alt=\"\" src=\"/upload_content/images/NCUA Logo.jpg\" style=\"width: 150px; height: 70px;\" /></div>\n\n\n<div style=\"display:none;\">\n<p><b>Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts.</b></p>\n\n<h5>1. Rate Information.</h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\"><span>The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the annual percentage yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.</span></p>\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</h3>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>2. Dividend Period. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>For each account, the dividend period is the account\'s term. The dividend period begins on the first day of the term and ends on the maturity date.</span></p>\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</h3>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>3. Dividend Compounding and Crediting. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>The compounding and crediting frequency of dividends are stated in the Rate Schedule.</span></p>\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</h3>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>4. Balance Information. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>To open any account, you must pay a nonrefundable membership fee. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For all accounts, Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.</span></p>\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</h3>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>5. Accrual of Dividends. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For CU Succeed Term Share Certificate accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.</span></p>\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</h3>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>6. Transaction Limitations. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>For all accounts, your ability to make deposits to your account and any limitations on such transactions are stated in the Rate Schedule. After your account is opened, you may make withdrawals subject to the early withdrawal penalties stated below and your account will be closed. Partial withdrawals are not allowed. For CU Succeed Term Share Certificate accounts, the maximum certificate balance if $25,000.00.</span></p>\n<h3 style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</h3>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>7. Maturity. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>Your account will mature as stated on this Truth-in-Savings Disclosure or on your Account Receipt or Renewal Notice.</span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</p>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>8. Early Withdrawal Penalty. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>We may impose a penalty if you withdraw funds from your account before the maturity date.</span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span><b>a. Amount of Penalty.</b> For all accounts, the amount of the withdrawal penalty will be a loss of all accrued dividends on the amount withdrawn; however, the penalty will never be less than seven (7) days dividends and will never exceed 90 days\' dividends.</span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n</p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span><b>b. How the Penalty Works. </b>The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal.</span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n</p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span><b>c. Exceptions to Early Withdrawal Penalties. </b>At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:</span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>(i) When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>(ii) Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after the establishment of the account; or where the account is a Keogh Plan (Keogh), provided that the depositor forfeits an amount at least equal to the simple dividends earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 59&frac12; or becomes disabled.</span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</p>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>9. Renewal Policy. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>The renewal policy for your accounts is stated in the Rate Schedule. For accounts that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. </span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</p>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>10. Nontransferable/Nonnegotiable. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>Your account is nontransferable and nonnegotiable.</span></p>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;\n	</p>\n<h5 style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>11. Membership. </span></h5>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">\n	<span>As a condition of membership, you must pay a nonrefundable membership fee as set forth below.</span></p>\n<ul>\n	<li style=\"display:block; list-style:none; width:300px; margin-top:20px;\"><span style=\"display:inline-block; width:200px; float:left;\">Membership Fee</span><span style=\"display:inline-block; width:100px;\">$20.00</span></li>\n</ul>\n\n \n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</p>\n<h2 class=\"text-primary\">RATE SCHEDULE</h2>\n<address><p>The rates, fees and terms applicable to your account at the Credit Union are provided with this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.</p></address>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</p>\n<table border=\"0\" cellpadding=\"4\" cellspacing=\"0\" width=\"100%\" style=\"border-collapse:collapse; border:1px solid #3b8149;\">\n  <tr>\n    <td width=\"20%\" style=\"border:1px solid #3b8149; vertical-align:middle;\">&nbsp;</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Dividend<br />\n    Rate<br />\n    (%)</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Annual<br />\n    Percentage<br />\n    Yield (APY) %</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Rate Type</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Minimum<br />\n    Opening<br />\n    Deposit</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Dividends<br />\n    Compounded</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Dividends <br />\n    Credited</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Dividend<br />\n    Period</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Additional<br />\n    Deposits</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Withdrawals</td>\n    <td width=\"8%\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Renewable</td>\n  </tr>\n  <tr>\n    <td colspan=\"3\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Term Share Certificate Accounts</td>\n    <td rowspan=\"4\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Fixed Rate</td>\n    <td rowspan=\"4\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$1,000.00</td>\n    <td rowspan=\"4\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly</td>\n    <td rowspan=\"4\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly</td>\n    <td rowspan=\"4\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Account\'s Term</td>\n    <td rowspan=\"4\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Allowed - No Limit</td>\n    <td rowspan=\"4\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Allowed - <br />\n      See Transaction <br />\n      Limitations <br />\n    section</td>\n    <td rowspan=\"4\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Automatic</td>\n  </tr>\n  <tr>\n    <td style=\"border:1px solid #3b8149; vertical-align:middle;\">6 Month</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.40</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.40</td>\n  </tr>\n  <tr>\n    <td style=\"border:1px solid #3b8149; vertical-align:middle;\">12 Month</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.50</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.50</td>\n  </tr>\n  <tr>\n    <td>24 Month</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.60</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.60</td>\n  </tr>\n  <tr>\n    <td colspan=\"3\" style=\"border:1px solid #3b8149; vertical-align:middle;\">CU Succeed Term Share Certificate Accounts<br />\n      (Members under age 18)</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Fixed Rate</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">$100.00</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Monthly</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Account\'s Term</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Minimum<br />\n    Monthly<br />\n    Deposit of<br />\n    $10.00</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Allowed - <br />\nSee Transaction <br />\nLimitations <br />\nsection</td>\n    <td rowspan=\"2\" align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">Automatic</td>\n  </tr>\n  <tr>\n    <td>12 Month</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.50</td>\n    <td align=\"center\" style=\"border:1px solid #3b8149; vertical-align:middle;\">.50</td>\n  </tr>\n</table>\n<p style=\"line-height: normal; margin: 0in 0in 0pt\">&nbsp;</p>\n\n<p>The rates and fees appearing in this Schedule are accurate as of the Effective Date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.</p>\n<p>Effective 8/1/2018</p>\n<div><img alt=\"\" src=\"/upload_content/images/NCUA Logo.jpg\" style=\"width: 150px; height: 70px;\" /></div>\n</div>','truth-in-savings-disclosure-for-certificates',0,NULL,NULL,NULL,'Truth in Savings Disclosure for Certificates','','','ICON_disclosures.png',0),(38,0,0,'Disclosures - Privacy Notice','Privacy Notice','<table class=\"disclosures\" cellspacing=\"0\" style=\"border-bottom:4px solid #000;\">\n  <tr>\n    <td class=\"title col-20\" style=\"background:#000;\"><h2>FACTS</h2></td>\n    <td class=\"col-80\">\n      <h3 style=\"text-transform:uppercase;\">What does Spokane City Credit Union do <br />\n      with your personal information?</h3>\n    </td>\n  </tr>\n</table>\n\n<table class=\"disclosures\" cellspacing=\"0\">\n  <tr>\n    <td class=\"title col-20\"><h2>Why?</h2></td>\n    <td class=\"col-80\">\n      <p>Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.</p>\n    </td>\n  </tr>\n</table>\n\n<table class=\"disclosures\" cellspacing=\"0\">\n  <tr>\n    <td class=\"title col-20\"><h2>What?</h2></td>\n    <td class=\"col-80\">\n      <p>The types of personal information we collect and share depend on the product or service you have with us. This information can include:</p>\n      <ul style=\"list-style:square;\">\n        <li>Social Security number and account balances</li>\n        <li>credit history and employment information</li>\n        <li>income and payment history</li>\n      </ul>\n      <p>When you are <i>no longer</i> our member, we continue to share your information as described in this notice.</p>\n    </td>\n  </tr>\n</table>\n\n\n<table class=\"disclosures\" cellspacing=\"0\">\n  <tr>\n    <td class=\"title col-20\"><h2>How?</h2></td>\n    <td class=\"col-80\">\n      <p>All financial companies need to share members&#8217; personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members&#8217; personal information; the reasons Spokane City Credit Union chooses to share; and whether you can limit this sharing.</p>\n    </td>\n  </tr>\n</table>\n\n<table class=\"disclosures\" cellspacing=\"0\">\n  <tr>\n    <td class=\"title col-60\">\n      <p><b>Reasons we can share your personal information</b></p>\n    </td>\n    <td class=\"title col-20\">\n      <p><b>Does Spokane City Credit Union share?</b></p>\n    </td>\n    <td class=\"title col-20\">\n      <p><b>Can you limit this sharing?</b></p>\n    </td>\n  </tr>\n  <tr>\n    <td>\n      <p><b>For our everyday business purposes &#8211;</b><br />\nsuch as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus</p>\n    </td>\n    <td class=\"text-center\">Yes</td>\n    <td class=\"text-center\">No</td>\n  </tr>\n  <tr>\n    <td>\n      <p><b>For our marketing purposes &#8211;</b><br />\nto offer our products and services to you</p>\n    </td>\n    <td class=\"text-center\">Yes</td>\n    <td class=\"text-center\">No</td>\n  </tr>\n  <tr>\n    <td>\n      <p>For joint marketing with other financial companies</p>\n    </td>\n    <td class=\"text-center\">Yes</td>\n    <td class=\"text-center\">No</td>\n  </tr>\n  <tr>\n    <td>\n      <p><b>For our affiliates&#8217; everyday business purposes &#8211;</b><br />\ninformation about your transactions and experiences</p>\n    </td>\n    <td class=\"text-center\">No</td>\n    <td class=\"text-center\">We don&#8217;t share</td>\n  </tr>\n  <tr>\n    <td>\n      <p><b>For our affiliates&#8217; everyday business purposes &#8211;</b><br />\n      information about your creditworthiness</p>\n    </td>\n    <td class=\"text-center\">No</td>\n    <td class=\"text-center\">We don&#8217;t share</td>\n  </tr>\n  <tr>\n    <td>\n      <p><b>For our affiliates to market to you</b></p>\n    </td>\n    <td class=\"text-center\">No</td>\n    <td class=\"text-center\">We don&#8217;t share</td>\n  </tr>\n  <tr>\n    <td>\n      <p><b>For nonaffiliates to market to you</b></p>\n    </td>\n    <td class=\"text-center\">No</td>\n    <td class=\"text-center\">We don&#8217;t share</td>\n  </tr>\n</table>\n\n<table class=\"disclosures\" cellspacing=\"0\">\n  <tr>\n    <td class=\"title col-20\">\n      <h3>Questions?</h3>\n    </td>\n    <td class=\"col-80\">\n      <p>Call (509) 325-7228 or write to: \n        <br />\n        Member Service Representative<br />\n		Spokane City Credit Union <br />\n		1930 N. Monroe <br />\n	  Spokane, WA 99205</p>\n    </td>\n  </tr>\n</table>\n\n<table class=\"disclosures\" cellspacing=\"0\">\n  <tr>\n    <td colspan=\"2\" class=\"title\">\n      <h3>What we do</h3>\n    </td>\n  </tr>\n  <tr>\n    <td class=\"col-30\">\n      <p><b>How does Spokane City Credit Union protect my personal information?</b></p>\n    </td>\n    <td class=\"col-70\">\n      <p>To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.</p>\n    </td>\n  </tr>\n  <tr>\n    <td class=\"col-30\">\n      <p><b>How does Spokane City Credit Union collect my personal information?</b></p>\n    </td>\n    <td class=\"col-70\">\n      <p>We collect your personal information, for example, when you</p>\n      <ul style=\"list-style:square;\">\n        <li>open an account or make a wire transfer</li>\n        <li>apply for financing or show your government-issued ID</li>\n        <li>show us your driver\'s license</li>\n      </ul>\n      <p>We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.</p>\n    </td>\n  </tr>\n  <tr>\n    <td class=\"col-30\">\n      <p><b>Why can&#8217;t I limit all sharing?</b></p>\n    </td>\n    <td class=\"col-70\">\n      <p>Federal law gives you the right to limit only</p>\n      <ul style=\"list-style-position: inside; list-style: square;\">\n        <li>sharing for affiliates&#8217; everyday business purposes &#8211; information about your creditworthiness</li>\n        <li>affiliates from using your information to market to you</li>\n        <li>sharing for nonaffiliates to market to you</li>\n      </ul>\n      <p>State law and individual companies may give you additional rights to limit sharing.</p>\n    </td>\n  </tr>\n</table>\n\n<table class=\"disclosures\" cellspacing=\"0\">\n  <tr>\n    <td colspan=\"2\" class=\"title\">\n      <h3>Definitions</h3>\n    </td>\n  </tr>\n  <tr>\n    <td class=\"col-30\">\n      <p><b>Affiliates</b></p>\n    </td>\n    <td class=\"col-70\">\n      <p>Companies related by common ownership or control. They can be financial and nonfinancial companies.</p>\n      <ul style=\"list-style:square;\">\n        <li><i>Spokane City Credit Union has no affiliates.</i></li>\n      </ul>\n    </td>\n  </tr>\n  <tr>\n    <td class=\"col-30\">\n      <p><b>Nonaffiliates</b></p>\n    </td>\n    <td class=\"col-70\">\n      <p>Companies not related by common ownership or control. They can be financial and nonfinancial companies.</p>\n      <ul style=\"list-style:square;\">\n        <li><i>Spokane City Credit Union does not share with our nonaffiliates so they can market to you.</i></li>\n      </ul>\n    </td>\n  </tr>\n  <tr>\n    <td class=\"col-30\">\n      <p><b>Joint Marketing</b></p>\n    </td>\n    <td class=\"col-70\">\n      <p>A formal agreement between nonaffiliated financial companies that together market financial products or services to you.</p>\n      <ul style=\"list-style:square;\">\n        <li><i>Our joint marketing partners include loan recapture programs and insurance companies.</i></li>\n      </ul>\n    </td>\n  </tr>\n</table>\n<p>DWAFX1 (DXPS01-E)</p>','privacy-notice',0,NULL,NULL,NULL,'Privacy Notice','','','ICON_disclosures.png',0),(39,0,0,'Disclosures - Electronic Funds Transfer Agreement','Electronic Funds Transfer Agreement Disclosure','<p>This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic fund transfers (EFT) services offered to you by Spokane City Credit Union (&quot;Credit Union&quot;). In this Agreement, the words &quot;you&quot;, &quot;your&quot; and &quot;yours&quot; mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words &quot;we,&quot; &quot;us,&quot; and &quot;our&quot; mean the Credit Union. The word &quot;account&quot; means any one (1) or more share and share draft accounts you have with the Credit Union. Electronic fund transfers are electronically initiated transfers of money from your account through the EFT services described below. By signing an application or account card for EFT services, signing your card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered.</p>\n\n<h5>1. EFT Services</h5>\n\n<p>If approved, you may conduct any one (1) or more of the EFT services offered by the Credit Union.</p>\n\n<p><strong>a. Debit Card.</strong> If approved, you may use your card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your share draft account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, STAR, Co-Op, PLUS, Visa networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to:</p>\n\n<ul>\n	<li>Make deposits to your share and share draft accounts.</li>\n	<li>Withdraw funds from your share and share draft accounts.</li>\n	<li>Transfer funds from your share and share draft accounts.</li>\n	<li>Obtain balance information for your share and share draft accounts.</li>\n	<li>Make loan payments from your share and share draft accounts.</li>\n	<li>Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa.</li>\n	<li>Order goods or services by mail or telephone from places that accept Visa.</li>\n</ul>\n\n<p>The following limitations on the frequency and amount of Debit Card transactions may apply:</p>\n\n<ul>\n	<li>There is no limit on the number of Debit Card purchases you make per day.</li>\n	<li>Purchase amounts are limited to the amount in your account.</li>\n	<li>There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine.</li>\n	<li>You may withdraw up to a maximum of $500 in any one (1) day from an ATM machine, if there are sufficient funds in your account.</li>\n	<li>There is no limit on the number of POS transactions you may make in any one (1) day.</li>\n	<li>You may purchase up to a maximum of $1,500 from POS terminals per day, if there are sufficient funds in your account.</li>\n	<li>For security purposes, there are other limits on the frequency and amount of transfers available at ATMs.</li>\n	<li>You may transfer up to the available balance in your accounts at the time of the transfer.</li>\n	<li>See Section 2 for transfer limitations that may apply to these transactions.</li>\n</ul>\n\n<p><strong>b. Audio Response.</strong> If we approve Audio Response for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use Audio Response to:</p>\n\n<ul>\n	<li>Withdraw funds from your share and share draft accounts.</li>\n	<li>Transfer funds from your share and share draft accounts.</li>\n	<li>Obtain balance information for your share and share draft accounts.</li>\n	<li>Make loan payments from your share and share draft accounts.</li>\n	<li>Access your Line-of-Credit account.</li>\n	<li>Determine if a particular item has cleared.</li>\n	<li>Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts.</li>\n	<li>Verify the last date and amount of your payroll deposit.</li>\n</ul>\n\n<p>Your accounts can be accessed under Audio Response via a touch-tone telephone only. Audio Response service will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing.</p>\n\n<ul>\n	<li>There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.</li>\n	<li>See Section 2 for transfer limitations that may apply to these transactions.</li>\n</ul>\n\n<p>The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each telephone call.</p>\n\n<p><strong>c. Preauthorized EFTs. </strong></p>\n\n<ul>\n	<li>Direct Deposit. Upon instruction of (i) your employer, (ii) the Treasury Department or (iii) other financial institutions, the Credit Union will accept direct deposits of your paycheck or federal recurring payments, such as Social Security, to your share and/or share draft account.</li>\n	<li>Preauthorized Debits. Upon instruction, we will pay certain recurring transactions from your share and share draft accounts.</li>\n	<li>See Section 2 for transfer limitations that may apply to these transactions.</li>\n	<li>Stop Payment Rights. If you have arranged in advance to make regular electronic fund transfers out of your account(s) for money you owe others, you may stop payment on preauthorized transfers from your account. You must notify us orally or in writing at any time up to three (3) business days before the scheduled date of the transfer. We may require written confirmation of the stop payment order to be made within 14 days of any oral notification. If we do not receive the written confirmation, the oral stop payment order shall cease to be binding 14 days after it has been made.</li>\n	<li>Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay is required to tell you, ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set.</li>\n	<li>Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop payment of a preauthorized transfer three (3) business days or more before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.</li>\n</ul>\n\n<p><strong>d. Electronic Check Conversion/Electronic Returned Check Fees.</strong> If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.</p>\n\n<p><strong>e. webpayservice.com.</strong> We will process bill payment transfer requests only to those creditors the Credit Union has designated in the User Instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number. We will not process any bill payment transfer if the required transaction information is incomplete. We will withdraw the designated funds from your share draft account for bill payment transfer by the designated cutoff time on the date you schedule for payment. We will process your bill payment transfer within a designated number of days before the date you are scheduled for payment. You must allow sufficient time for vendors to process your payment after they receive a transfer from us. Please leave as much time as though you were sending your payment by mail. We cannot guarantee the time that any payment will be credited to your account by the vendor.</p>\n\n<p>There is no limit on the number of bill payments per day.</p>\n\n<h5>2. Transfer Limitations</h5>\n\n<p>For all share accounts, no more than six (6) preauthorized, automatic, telephone, or Internet transfers and withdrawals may be made from each account to another account of yours or to a third party in any month, and no more than three (3) of these six (6) may be made by check, draft, or access card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed.</p>\n\n<h5>3. Conditions of EFT Services</h5>\n\n<p><strong>a. Ownership of Cards.</strong> Any card or other device which we supply to you is our property and must be returned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the card, immediately according to instructions. The card may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your card or account to another person. b. Honoring the Card. Neither we nor merchants authorized to honor the card will be responsible for the failure or refusal to honor the card or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your account in lieu of a cash refund.</p>\n\n<p><strong>c. Foreign Transactions.</strong> Visa. Purchases and cash withdrawals 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 government-mandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.</p>\n\n<p><strong>d. Security of Access Code.</strong> You may use one (1) or more access codes with your electronic fund transfers. The access codes issued to you are for your security purposes. Any codes issued to you are confidential and should not be disclosed to third parties or recorded on or with the card. You are responsible for safekeeping your access codes. You agree not to disclose or otherwise make your access codes available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access codes, that authority shall continue until you specifically revoke such authority by notifying the Credit Union. You understand that any joint owner you authorize to use an access code may withdraw or transfer funds from any of your accounts. If you fail to maintain the security of these access codes and the Credit Union suffers a loss, we may terminate your EFT services immediately.</p>\n\n<p><strong>e. Joint Accounts.</strong> If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to or from any share and share draft or loan accounts as provided in this Agreement. Each joint account owner, without the consent of any other account owner, may, and is hereby authorized by every other joint account owner, make any transaction permitted under this Agreement. Each joint account owner is authorized to act for the other account owners, and the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner.</p>\n\n<h5>4. Fees and Charges</h5>\n\n<p>There are certain fees and charges for EFT services. From time to time, the charges may be changed. We will notify you as required by applicable law.</p>\n\n<p>If you use an ATM not operated by us, you may be charged a fee by the ATM operator and by any national, regional, or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer). The ATM surcharge will be debited from your account if you elect to complete the transaction or continue with the balance inquiry.</p>\n\n<p><strong>a. Debit Card Fees. </strong></p>\n\n<ul>\n	<li>We do not charge for any ATM withdrawals at the present time.</li>\n	<li>We do not charge for any POS transactions at the present time.</li>\n	<li>Replacement card fee of $25.00 per card.</li>\n	<li>Nonsufficient funds fee of $25.00.</li>\n</ul>\n\n<p><strong>b. Audio Response Fees.</strong></p>\n\n<ul>\n	<li>Nonsufficient funds fee of $25.00.</li>\n</ul>\n\n<p><strong>c. Preauthorized EFT Fees.</strong></p>\n\n<ul>\n	<li>Nonsufficient funds fee of $25.00.</li>\n</ul>\n\n<p><strong>d. webpayservice.com Fees.</strong></p>\n\n<ul>\n	<li>$5.95 service fee per month.</li>\n	<li>Nonsufficient funds fee of $25.00.</li>\n</ul>\n\n<h5>5. Member Liability</h5>\n\n<p>You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts.</p>\n\n<p><strong>TELL US AT ONCE</strong> if you believe your card has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your authority, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was either a Visa or Interlink transaction, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account or card. For all other EFT transactions, including ATM transactions or if you were grossly negligent in the handling of your account or card, your liability for an unauthorized transaction is determined as follows.</p>\n\n<p>If you tell us within two (2) business days you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.</p>\n\n<p>Also, if your statement shows transfers that you did not make including those made by card, code or other means, <strong>TELL US AT ONCE</strong>. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods.</p>\n\n<p>If you believe your card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:</p>\n\n<p>(509) 325-7228<br />\nor write to:<br />\nSpokane City Credit Union<br />\n1930 N. Monroe<br />\nSpokane, WA 99205<br />\nFax: (509) 325-9818</p>\n\n<p>You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.</p>\n\n<h5>6. Right to Receive Documentation</h5>\n\n<p><strong>a. Periodic Statements.</strong> Transfers and withdrawals made through any debit card transactions, audio response transactions, preauthorized EFTs or bill payments you make will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly.</p>\n\n<p><strong>b. Terminal Receipt.</strong> You can get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM and/or point-of-sale (POS) terminal.</p>\n\n<p><strong>c. Direct Deposit.</strong> If you have arranged to have a direct deposit made to your account at least once every 60 days from the same source and you do not receive a receipt (such as a pay stub), you can find out whether or not the deposit has been made by calling (509) 325-7228. This does not apply to transactions occurring outside the United States.</p>\n\n<h5>7. Account Information Disclosure</h5>\n\n<p>We will disclose information to third parties about your account or the transfers you make:</p>\n\n<ul>\n	<li>As necessary to complete transfers;</li>\n	<li>To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant;</li>\n	<li>If your account is eligible for emergency cash and/or emergency card replacement services and you request such services, you agree that we may provide personal information about you and your account that is necessary to provide you with the requested service(s);</li>\n	<li>To comply with government agency or court orders; or</li>\n	<li>If you give us your written permission.</li>\n</ul>\n\n<h5>8. Business Days</h5>\n\n<p>Our business days are Monday through Friday, excluding holidays.</p>\n\n<h5>9. Credit Union Liability for Failure to Make Transfers</h5>\n\n<p>If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, we will not be liable for direct or consequential damages in the following events:</p>\n\n<ul>\n	<li>If, through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy Disclosure, or if the transaction involves a loan request exceeding your credit limit.</li>\n	<li>If you used your card or access code in an incorrect manner.</li>\n	<li>If the ATM where you are making the transfer does not have enough cash.</li>\n	<li>If the ATM was not working properly and you knew about the problem when you started the transaction.</li>\n	<li>If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction.</li>\n	<li>If the money in your account is subject to legal process or other claim.</li>\n	<li>If funds in your account are pledged as collateral or frozen because of a delinquent loan.</li>\n	<li>If the error was caused by a system of any participating ATM network.</li>\n	<li>If the electronic transfer is not completed as a result of your willful or negligent use of your card, access code, or any EFT facility for making such transfers.</li>\n	<li>If the telephone or computer equipment you use to conduct audio response or online/PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction.</li>\n	<li>If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made by the Credit Union. For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are not responsible for investigating such errors.</li>\n	<li>Any other exceptions as established by the Credit Union.</li>\n</ul>\n\n<h5>10. Notices</h5>\n\n<p>All notices from us will be effective when we have mailed them or delivered them to your last known address in the Credit Union&#39;s records. Notices from you will be effective when received by the Credit Union at the address specified in this Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least 21 days before the effective date of any change. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.</p>\n\n<p>The following information is a list of safety precautions regarding the use of ATMs and night deposit facilities:</p>\n\n<ul>\n	<li>Be aware of your surroundings, particularly at night.</li>\n	<li>Consider having someone accompany you when the ATM or night deposit facility is used after dark.</li>\n	<li>Close the entry door of any ATM facility equipped with a door.</li>\n	<li>If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete your transaction. If it is after the regular hours of the financial institution and you are using an ATM, do not permit entrance to any person you do not know.</li>\n	<li>Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place your money in your purse or wallet. Count the cash later in the safety of your car or home.</li>\n	<li>If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit facility or coming back later. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, take your card or deposit envelope, and leave.</li>\n	<li>If you are followed after making a transaction, go to the nearest public area where people are located.</li>\n	<li>Do not write your personal identification number (PIN) or access code on your ATM card.</li>\n	<li>Report all crimes to law enforcement officials immediately. If emergency assistance is needed, call the police from the nearest available public telephone.</li>\n</ul>\n\n<h5>11. Billing Errors</h5>\n\n<p>In case of errors or questions about electronic fund transfers from your share and share draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than 60 days after we sent the first statement on which the problem appears.</p>\n\n<p>Call us at:<br />\n(509) 325-7228</p>\n\n<p>or write to:<br />\nSpokane City Credit Union<br />\n1930 N. Monroe<br />\nSpokane, WA 99205</p>\n\n<p>Fax: (509) 325-9818</p>\n\n<ul>\n	<li>Tell us your name and account number.</li>\n	<li>Describe the electronic transfer you are unsure about and explain, as clearly as you can, why you believe the Credit Union has made an error or why you need more information.</li>\n	<li>Tell us the dollar amount of the suspected error.</li>\n</ul>\n\n<p>If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.</p>\n\n<p><strong>*</strong> If you give notice of an error within 30 days after you make the first deposit to your account, we will have 20 business days instead of ten (10) business days to investigate the error.</p>\n\n<p><strong>**</strong> If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a POS transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.</p>\n\n<p><strong>NOTE:</strong> If the error you assert is an unauthorized Visa transaction, other than a cash disbursement at an ATM, we will credit your account within five (5) business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within ten (10) business days.</p>\n\n<h5>12. Termination of EFT Services</h5>\n\n<p>You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping your use of your card and any access code. You must return all cards to the Credit Union. You also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also terminate this Agreement at any time by notifying you orally or in writing. If we terminate this Agreement, we may notify any participating merchants making preauthorized debits or credits to any of your accounts that this Agreement has been terminated and that we will not accept any further preauthorized transaction instructions. We may also program our computer not to accept your card or access code for any EFT service. Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under this Agreement for any electronic transactions made prior to termination.</p>\n\n<h5>13. Governing Law</h5>\n\n<p>This Agreement is governed by the bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the state of Washington, and local clearinghouse rules, as amended from time to time. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.</p>\n\n<h5>14. Enforcement</h5>\n\n<p>You are liable to us for any losses, costs or expenses we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such losses, costs or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney&#39;s fees and costs, including fees on any appeal, bankruptcy proceedings, and any postjudgment collection actions.</p>\n\n<p>&copy; CUNA MUTUAL GROUP, 2008 ALL RIGHTS RESERVED</p>','electronic-funds-transfer-agreement-disclosure',0,NULL,NULL,NULL,'Electronic Funds Transfer Agreement Disclosure','','','ICON_disclosures.png',0),(40,0,0,'Disclosures - Funds Availability','Funds Availability','<p>This Disclosure describes your ability to withdraw funds at Spokane City Credit Union. It only applies to the availability of funds in transaction accounts. The Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy.</p>\n\n<h5>1. General Policy</h5>\n\n<p>Our policy is to make funds from your cash and check deposits available to you on the same business day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close of business on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a business day we are not open, we will consider that the deposit was made on the next business day we are open.</p>\n\n<h5>2. Reservation of Right to Hold</h5>\n\n<p>In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. Funds may not be available until the second business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.</p>\n\n\n<h5>3. Longer Delays May Apply</h5>\n\n<p>We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:</p>\n\n<ul>\n  <li>We believe a check you deposit will not be paid.</li>\n  <li>You deposit checks totaling more than $5,000.00 on any one (1) day.</li>\n  <li>You redeposit a check that has been returned unpaid.</li>\n  <li>You have overdrawn your account repeatedly in the last six (6) months.</li>\n  <li>There is an emergency, such as failure of communications or computer equipment.</li>\n</ul>\n\n<p>We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.</p>\n\n<h5>4. Special Rules for New Accounts</h5>\n\n<p>If you are a new member, the following special rules will apply during the first 30 days your account is open.</p>\n\n<p>Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000.00 of a day\'s total deposits of cashier\'s, certified, teller\'s, traveler\'s, and federal, state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000.00 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit.</p>\n\n<h5>5. Deposits at Nonproprietary ATM\'s</span></h3>\n\n<p>Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines.</p>','funds-availablility',0,NULL,NULL,NULL,'Funds Availability Disclosure','','','ICON_disclosures.png',0),(34,0,0,'Disclosures - Children\'s Online Privacy Protection Policy','Children\'s Online Privacy Protection Policy','<p>This is the Web site of Spokane City Credit Union. Our Postal address is:<br />\nPO Box 9639<br />\nSpokane, WA, 99205</p>\n\n<p>We can be reached via e-mail at <a href=\"mailto:memberservices@sccu.net\">memberservices@sccu.net</a>.</p>\n\n<p>Our Telephone Number is 509-325-7228.</p>\n\n<h5>Information Collected</h5>\n\n<p>We respect the privacy of children, and do not collect any more personal information than reasonably necessary to enable them to participate in the activities we offer at our Web site.</p>\n\n<p>With respect to our online information collection practices from children under 13 years of age: We collect the following types of personal information directly from children online:<br />\n- first and last name<br />\n- home or physical address including street name and name of a town</p>\n\n<p>We collect the following types of information from children online and associate that information with one or more of the above identifiers:<br />\n- information about a child&#39;s hobbies<br />\n- information about a child&#39;s parents or siblings<br />\n- favorite snacks, favorite colors, favorite cartoon, birthday</p>\n\n<p>Please note that parents may consent to the above collection and use without necessarily consenting to the disclosure of personal information to third parties.</p>\n\n<p>With respect to the collection by other organizations of personal information from children at our site, our policy is:<br />\n- We do not have any agreements with outside organizations to collect personal information at our site.</p>\n\n<h5>Use and Sharing of Information</h5>\n\n<p>We will not require a child to disclose more information than is reasonably necessary to participate in an activity as a condition of participation.</p>\n\n<p>With respect to sharing information: we do not share children&#39;s personal information with anyone other than those who provide support for the internal operations of the Web site and our agents (e.g., contractors who provide fulfillment services or technical support to the Web site).</p>\n\n<p>We have received the following commitments for security of information from third parties with whom we share personal information</p>\n\n<p>All third parties with whom we share information have agreed to maintain security and integrity of personal information</p>\n\n<h5>Parental Review</h5>\n\n<p>Parents can review the information that we have collected from their children online, prevent the further use or maintenance of such information, or direct the deletion of their children&#39;s personal information by:<br />\n- calling us at the telephone number provided above<br />\n- e-mailing us at the above address<br />\n- writing to us at the above addressWe restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.</p>\n\n<h5>What Members Can Do To Help</h5>\n<p>Spokane City Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:</p>\n\n<ul>\n  <li>Protect your account numbers, plastic card numbers, personal identification numbers (PINs) or passwords. Never keep your PIN with your card. The PIN can provide free access to your accounts if your card is lost or stolen.</li>\n  <li>Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.</li>\n  <li>Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.</li>\n</ul>\n\n<p>Let us know if you have questions. Please do not hesitate to call us - we are here to serve you!</p>\n\n<p>&copy; CUNA MUTUAL GROUP, 2008 ALL RIGHTS RESERVED</p>','childrens-online-privacy-protection-policy',0,NULL,NULL,NULL,'Children\'s Online Privacy Protection Policy','','','ICON_disclosures.png',0),(42,0,0,'Loans - Auto, Boat, RV & Motorcycle','Auto, Boat, RV & Motorcycle Loans','<p>&bull; <a class=\"scroller\" href=\"#auto-motorcycle-powersports-loan-rates\" style=\"text-decoration:none; color:#000;\" title=\"Auto, Motorcycle, &amp; Powersports\">Auto &amp; Motorcycle Loans</a><br />\n&bull; <a class=\"scroller\" href=\"#boats-and-rv-loan-rates\" style=\"text-decoration:none; color:#000;\" title=\"Boat &amp; RV Loan Rates\">Boat &amp; RV Loans</a><br />\n&bull; <a href=\"loan-calculator.php\" style=\"text-decoration:none; color:#000;\" title=\"Simple Loan Calculator\">Loan Calculator</a><br />\n&bull; <a class=\"scroller\" href=\"#auto-warranties\" style=\"text-decoration:none; color:#000;\" title=\"Auto Warranties\">Warranties</a><br />\n&bull; <a class=\"scroller\" href=\"#gap-protection\" style=\"text-decoration:none; color:#000;\" title=\"GAP Protection\">GAP Coverage</a><br />\n&bull; <a href=\"http://www.nada.com\" style=\"text-decoration:none; color:#000;\" target=\"_blank\" title=\"This link opens a third-party website not affiliated with SCCU.\">NADA Value</a><br />\n&bull; <a href=\"/upload_content/files/ACH_Automatic_Payment_Form.pdf\" style=\"text-decoration:none; color:#000;\" target=\"_blank\" title=\"Setup Automatic Payments\">Set up Automatic Payments</a></p>\n\n<h2>We&#39;ve got a loan for whatever you drive.</h2>\n\n<p>Rates apply to both NEW and USED vehicles, boats, RV&#39;s, motorcycles, ATV&#39;s and snowmobiles. Refinance with SCCU today and see how much you can save. Apply for your loan online, or call us at (509) 325-4444 if you&#39;d like to talk to a loan specialist.</p>\n\n<h5>We make loans easy.</h5>','auto-boat-rv-motorcycle-loans',0,NULL,NULL,NULL,'Loans','auto loan, boat loan, rv loan, motorcycle loan, auto loans, recreational vehicle loan','','',0),(43,0,0,'Loans - Credit Cards','Credit Cards','<h5>\n  &#8226; VISA Cards<br>\n  &#8226; VISA Card Features &amp; Benefits<br>\n  &#8226; Lost or Stolen Cards<br>\n  &#8226; Your VISA Account<br>\n  &#8226; VISA ScoreCard Rewards Catalog\n</h5>\n  \n<p>Carry the card that\'s accepted in more places worldwide than any other card! Use the VISA ScoreCard for your everyday purchases and earn Bonus Points that can be exchanged for Airmiles, Vacation Getaways and Brand-Name Merchandise. Get the card that gives back. VISA ScoreCard, because life should be rewarding!</p>\n\n\n<h5 class=\"text-primary\" id=\"apply\" style=\"margin-bottom:20px;\">Pick the card that works best for you and APPLY ONLINE</h5>\n\n            \n         <table class=\"youth\" border=\"0\">\n          <tr>\n            <td class=\"col1\">VISA Features at a Glance</td>\n            <td>Diamond VISA</td>\n            <td>Classic VISA</td>\n            <td>Secured VISA</td>\n          </tr>\n          <tr>\n            <td class=\"col1\">Standard Annual<br />Percentage Rate (APR*)</td>\n            <td>3.99%<sup>&#8224;</sup></td>\n            <td>9.99%</td>\n            <td>17.5%</td>\n          </tr>\n          <tr>\n            <td class=\"col1\">24-Hour Cash Machine Access</td>\n            <td>YES</td>\n            <td>YES</td>\n            <td>YES</td>\n          </tr>\n          <tr>\n            <td class=\"col1\">Annual Fee</td>\n            <td>NO</td>\n            <td>YES</td>\n            <td>YES</td>\n          </tr>\n          <tr style=\"border-bottom:0;\">\n            <td class=\"col1\">&nbsp;</td>\n            <td><a class=\"btn\" href=\"https://www.loanliner.com/LoanRequest/CLPPresenter/GettingStarted.aspx?CuId=14600454&LoanFormID=3255091212312143037&LoanDt=08/28/2013\" target=\"_blank\" title=\"Apply for a Diamond VISA\">Apply Now</a></td>\n            <td><a class=\"btn\" href=\"https://www.loanliner.com/LoanRequest/CLPPresenter/GettingStarted.aspx?CUID=14600454&LoanFormId=8521762509282121310&ChannelId=3237804504296170517&LocationId=2930124303177191838&IsFramed=F\" target=\"_blank\" title=\"Apply for a Classic VISA\">Apply Now</a></td>\n            <td><a class=\"btn\" href=\"https://www.loanliner.com/LoanRequest/CLPPresenter/GettingStarted.aspx?CUID=14600454&LoanFormId=3001719010054104647&ChannelId=3237804504296170517&LocationId=2930124303177191838&IsFramed=F\" target=\"_blank\" title=\"Apply for a Secured VISA\">Apply Now</a></td>\n          </tr>\n        </table>\n        <p class=\"terms\">*APR = Annual Percentage Rate. On approved credit. Restrictions may apply.<br />\n        <sup>&#8224;</sup>3.99% effective for 18 months from account opening, then rate changes to 9.99%</p>\n        <p>Questions? Contact our friendly Loan Department at <a href=\"mailto:loandepartment@sccu.net\" title=\"Email us at loandepartment@sccu.net\" target=\"_blank\">loandepartment@sccu.net</a></p>','credit-cards',0,NULL,NULL,NULL,'Credit Cards','','','ICON_creditcard.png',0),(44,0,0,'Loans - Home Equity Lines of Credit','Home Equity Lines of Credit','<p>If you are thinking about sprucing up your house or consolidating debt, consider a Home Equity Line of Credit. An equity line of credit, like a credit card, gives you a predetermined borrowing limit and allows you to access money when you need it. Spokane City Credit Union offers 80% loan-to-value home equity line of credit. Because of the draw option, credit lines are good for recurring expenses such as college tuition and home improvements.</p>\n\n<table class=\"ratestable two-column\" style=\"margin:40px 0;\">\n    <tr>\n        <td colspan=\"2\">Home Equity Line of Credit</td>\n    </tr>\n    <tr>\n        <td class=\"col1\">Current APR*<br />(Annual Percentage Rate)</td>\n        <td>as low as 5.00% APR*</td>\n    </tr>\n    <tr>\n        <td class=\"col1\">Interest Type</td>\n        <td>Fixed first 3 years/Variable * quarterly thereafter with 2% periodic cap</td>\n    </tr>\n    <tr>\n        <td class=\"col1\">Maximum Loan to Value Ratio</td>\n        <td>80%</td>\n    </tr>\n    <tr>\n        <td class=\"col1\">Minimum Loan/Line</td>\n        <td>$10,000</td>\n    </tr>\n    <tr>\n        <td class=\"col1\">Maximum Loan Amount</td>\n        <td>$200,000</td>\n    </tr>\n    <tr>\n        <td class=\"col1\">Maximum Loan Term</td>\n        <td>Up to 15 years, depending upon loan amount</td>\n    </tr>\n    <tr>\n        <td class=\"col1\">Prepayment Penalty</td>\n        <td>None</td>\n    </tr>\n    <tr>\n      <td class=\"col1\">Eligible Properties</td>\n      <td>Owner occupied single family residence in Spokane area</td>\n    </tr>\n    <tr>\n      <td class=\"col1\">Closing Costs</td>\n      <td>Paid by SCCU***</td>\n    </tr>\n</table>\n\n<p><a class=\"btn\" href=\"https://www.mortgageclick.org/default.asp?siteId=6E8BDCE9-BAD9-4400-BEEE-B25B0EBB89E1\" target=\"_blank\" title=\"Learn More and Apply Now\" style=\"float:left;\">Get Started</a><img src=\"/imgs/ICON_equal-housing-lender.png\" style=\"max-width:70px; margin-bottom:20px; float:right;\" /></p>\n<br style=\"clear:both;\" />\n\n\n<h5>SCCU Members have used their Home Equity Line of Credit to:</h5>\n<ul>\n    <li>Consolidate High Interest Debt</li>\n    <li>Remodel or repair their home</li>\n    <li>Send their kids to college</li>\n    <li>Take family vacation</li>\n    <li>Plan a wedding</li>\n    <li>Furnish a Nursery</li>\n    <li>Or whatever you need extra cash for</li>\n</ul>\n<h5>Find out what your home can do for you!</h5>\n<p>E-Mail a Loan Officer: <a href=\"mailto:loandepartment@sccu.net\">loandepartment@sccu.net</a><br/>Get an estimate on your payments with our <a href=\"loan-payment-calculator\" title=\"Simple Loan Calculator\">Loan Calculator</a>.\n</p>\n\n<p class=\"terms\">*APR= Annual percentage rate. Based on approved credit. Restrictions may apply. Other rates, terms and conditions may apply. Rates may be different as determined by credit history of each applicant.<br/>\n**A fixed Annual Percentage Rate (APR) will be used for the first 3 years of the plan. We will determine the periodic rate and the corresponding annual percentage rate during the variable rate period as follows: we start with an independent (the \"index\") which is the Wall Street Journal Prime Rate (WSJ Prime). We will use the WSJ Prime Rate plus a margin to determine your annual percentage rate. The annual percentage rate will change to a variable rate at the beginning of the 4th year of the plan. Thereafter, the annual percentage rate can change quarterly on the first day of the quarter following the anniversary month of the plan. The annual percentage rate will not increase or decrease more than 2 percentage points in any one-year period. However, under no circumstances will the annual percentage rate go below 5.00% at any time during the term of the plan.<br />\n***All fees will be waived providing the loan remains in effect for 2 years.</p>','home-equity-lines-of-credit',0,NULL,NULL,NULL,'Home Equity Lines of Credit, Personal Lines of Credit, Student Loans & Share-Secured Loans','','','ICON_heloc_green.png',0),(45,0,0,'Loans - Personal Lines of Credit','Personal Lines of Credit','<p>A Personal Line of Credit is money when you need it for unpredictable situations. Similar to a credit card, your funds become available again up to your limit as you pay down the balance with no annual fees or transfer fees. A Line of Credit provides overdraft protection on your checking account when you need it, car repairs, vacations, or to consolidate your debts to avoid paying higher interest rates elsewhere.</p>\n\n<p><a class=\"btn\" href=\"https://www.loanliner.com/LoanRequest/CLPPresenter/GettingStarted.aspx?CUID=14600454&amp;LoanFormId=4197431309282121306&amp;ChannelId=3237804504296170517&amp;LocationId=2930124303177191838&amp;IsFramed=F\" target=\"_blank\" title=\"Apply Now\">Apply Now</a>&nbsp;&nbsp;&nbsp; A Loan Officer will get back to you within 24 hours!</p>\n\n<h5>Apply for a Personal Line of Credit today and find comfort in knowing that you have a Plan B.</h5>\n\n<hr />\n<h2>Personal Line of Credit</h2>\n\n<p>APR* effective March 23, 2010</p>\n\n<hr />\n<div class=\"stripe-sm grid-parent\">\n<div class=\"grid-40 tablet-grid-40\">Annual Percentage Rate</div>\n\n<div class=\"grid-30 tablet-grid-30\">as low as 9.90% APR*</div>\n\n<div class=\"grid-30 tablet-grid-30\">up to 48 Months</div>\n</div>\n\n<p>&nbsp;</p>\n\n<hr />\n<p>&nbsp;</p>\n\n<p>To find out more about SCCU&#39;s Personal Lines of Credit, call our loan department at (509) 325-7228 or email us at <a href=\"mailto:loandepartment@sccu.net\" target=\"_blank\" title=\"Contact us at loandepartment@sccu.net\">loandepartment@sccu.net</a>.</p>','personal-lines-of-credit',0,NULL,NULL,NULL,'Personal Lines of Credit','','','ICON_personal_white.png',0),(48,0,0,'Loans - Skip a Payment','Skip a Payment','<h5>Skip your next Loan Payment!</h5>\n\n<p>You can skip your next loan payment with a small donation to one of the great local organizations that SCCU supports. Just fill out the Skip-A-Payment form and mail it to P.O. Box 9639, Spokane, WA, 99209 or drop it off the next time you come by SCCU.</p>\n\n<p>Click <a href=\"/upload_content/pdfs/SkipAPayment_form.pdf\" target=\"_blank\" title=\"Download Skip-A-Payment Form\">here</a> to get your Skip-A-Payment form.</p>\n\n<p>Questions? Call us at 325-7228 or 325-4444 for our friendly Loan Department</p>\n\n<h5>Skip-A-Payment Terms and Conditions</h5>\n\n<p>Your $20 donation is per loan account and must be received before the payment will be extended. Only one month\'s extension allowed per loan account per year. This offer is not valid for real estate loans, VISA Loans, or loans in Bankruptcy. This offer is not valid if any loan is past due. Offer not valid for any loan less than six months old. Your normal payment schedule will resume the following month. Loan extensions may extend the term of your loan. Accrued interest due will be added to your current loan balance and interest will continue to accrue as per your original loan agreement. The $20 donation is voluntary and participation in the Skip a Payment Program is not contingent upon payment of the $20 contribution. Click <a href=\"/upload_content/pdfs/SkipAPayment_form.pdf\" target=\"_blank\" title=\"Download Skip-A-Payment Form\">here</a> to get your Skip-A-Payment form.</p>','skip-a-payment',0,NULL,NULL,NULL,'Skip a Payment','','','ICON_skip-a-payment_white.png',0),(47,0,0,'Loans - Other Types of Loans','Other Loans','<h5>Share-Secured Loans</h5>\n\n<p>Share secured loans all you to borrow against your share account and take up 10 years to repay the loan. For more information, terms and conditions, please contact our Loan Department at (509) 325-4444 or at <a href=\"mailto:loandepartment@sccu.net\" title=\"Email us at loandepartment@sccu.net\" target=\"_blank\">loandepartment@sccu.net</a>.</p>\n<p>If you have further questions about our other loans and lines of credit, e-mail a Loan Officer at <a href=\"mailto:loandepartment@sccu.net\" title=\"Email us at loandepartment@sccu.net\" target=\"_blank\">loandepartment@sccu.net</a>.</p>\n<p>Or call us at (509) 325-7228</p>','other-loans',0,NULL,NULL,NULL,'Other Loans','','','ICON_other-loans.png',0),(49,0,0,'Loans - Credit Cards - Features and Benefits','Features and Benefits','<h5>Low Interest Rates -</h5>\n<p>Tired of credit card rates going through the roof? SCCU&#39;s VISA rates are some of the lowest around. For a limited time only, get an introductory rate of as low as 3.99% APR* on all purchases and balance transfers when you switch over to the SCCU VISA Diamond. With no fee for balance transfers, SCCU can help you pay down those balances from higher interest cards. After the promotional rate expires, you still receive a low rate of only 9.99% APR*.</p>\n<p>*APR = Annual Percentage Rate. On approved credit. Restrictions may apply.</p>\n\n<h5>VISA Account Online -</h5>\n<ul style=\"list-style-type:square; margin-left:-22px;\">\n    <li style=\"height:20px;\">View transactions</li>\n    <li style=\"height:20px;\">Analyze your spending</li>\n    <li style=\"height:20px;\">Make payments</li>\n    <li style=\"height:20px;\">Set up automatic payments</li>\n    <li style=\"height:20px;\">Enroll for E-statements</li>\n    <li style=\"height:20px;\">Set up account alerts</li>\n</ul>\n<p><a href=\"https://www.ezcardinfo.com/#/\" title=\"Enroll in eZCard today!\" target=\"_blank\" data-warning >Already a cardholder? Enroll in eZCard today!</a></p>\n<h5><a href=\"https://www.ezcardinfo.com/#/\" title=\"Enroll in eZCard today!\" target=\"_blank\" style=\"border:none;\" data-warning ><img src=\"imgs/ICON_ezcard.png\" alt=\"eZCard Logo\" /></a></h5>\n\n<h5>ScoreCard Rewards Program -</h5>\n<p>Turn your purchases into amazing Merchandise, Travel or Experience rewards! Earn Bonus Points on your purchases and exchange them for top brand name items, unbelievable vacation getaways, and valuable services. ScoreCard has it all! They are continually updating their reward options so you&#39;ll have the latest and greatest rewards to choose from.</p>\n<p><a href=\"https://www.scorecardrewards.com/#/login\" target=\"_blank\" title=\"Browse the VISA ScoreCard Rewards Catalog Now!\" data-warning >Browse the VISA ScoreCard Rewards Catalog Now!</a></p>\n\n<h5>Accepted In More Places than Any Other Card -</h5>\n<p>Get the card that&#39;s accepted in more places than any other card. VISA provides a safe and reliable way to pay for what you need, nearly anywhere in the world. And with the VISA ScoreCard Rewards Program, you get rewarded for the things you buy.</p>\n\n<h5>Grace Period for Purchases -</h5>\n<p>Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.</p>\n\n<h5>Cash Advances -</h5>\n<p>Did you know that you can use VISA ScoreCard not only for purchases, but also to get cash. Ask us how today. All cash advances are subject to the standard rates.</p>','credit-card-features-and-benefits',0,NULL,NULL,NULL,'Credit Card Features and Benefits','','','ICON_creditcard.png',0),(46,0,0,'Loans - Student Loans','Student Loans','<h5>The Smart Option Student Loan<sup>&reg;</sup> for SCCU Members by Sallie Mae<sup>&reg;</sup></h5>\n\n<p>For borrowers attending degree-granting institutions.</p>\n\n<h2>Take control of your college financing</h2>\n\n<p>Now you can pay for college the smart way with three great repayment options and competitive interest rates!</p>\n\n<p>This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.</p>\n\n<h5>The Smart Option Student Loan<sup>&reg;</sup> features and benefits:</h5>\n\n<ul>\n	<li>Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility</li>\n	<li>No origination fee and no prepayment penalty</li>\n	<li>Rewards and interest rate reductions available</li>\n	<li>Rates that reward creditworthy borrowers</li>\n	<li>Applying with a creditworthy cosigner may help you qualify</li>\n	<li>100% US-based Student Loan Specialists</li>\n</ul>\n\n<h5>Watch the following video to learn more:</h5>\n\n<p><iframe frameborder=\"0\" src=\"https://www.youtube.com/embed/W4ql654LmuY?rel=0&amp;showinfo=0\"></iframe></p>\n\n<p><a class=\"btn\" title=\"This link opens a third-party website not affiliated with SCCU.\" href=\"https://www.salliemae.com/smartoption/sccu\" style=\"margin:20px 0;\" target=\"_blank\" data-warning>Get Started</a></p>','student-loans',0,NULL,NULL,NULL,'Student Loans','','','ICON_student-loans.png',0),(52,0,0,'Loans - RATES Autos & Motorcycle','Auto & Motorcycle Loans','<div class=\"rate-module\">\n<h5>APR effective December, 2018</h5>\n\n<div class=\"stripe-md\">\n  <article>\n    <span class=\"text-uppercase\">From</span>&nbsp;&nbsp;<span class=\"num\">3.99%</span> <span class=\"text-uppercase\">to</span> <span class=\"num\">17.99%<sup>*</sup></span>&nbsp;<span>APR<sup>&#8224;</sup></span> <span class=\"description\">up to 72 months</span>\n  </article>\n  <article>\n    <span class=\"text-uppercase\">From</span>&nbsp;&nbsp;<span class=\"num\">3.99%</span> <span class=\"text-uppercase\">to</span> <span class=\"num\">17.99%<sup>*</sup></span>&nbsp;<span>APR<sup>&#8224;</sup></span> <span class=\"description\">up to 78 months <span class=\"sub\">(minimum loan amount $15,000)</span></span>\n  </article>\n  <article>\n    <span class=\"text-uppercase\">From</span>&nbsp;&nbsp;<span class=\"num\">3.99%</span> <span class=\"text-uppercase\">to</span> <span class=\"num\">17.99%<sup>*</sup></span>&nbsp;<span>APR<sup>&#8224;</sup></span> <span class=\"description\">up to 84 months <span class=\"sub\">(minimum loan amount $25,000)</span></span>\n  </article>\n</div>\n\n<div class=\"content-block actions\">\n<div class=\"grid-30 tablet-grid-33\"><a class=\"btn\" href=\"https://www.loanliner.com/LoanRequest/CLPPresenter/GettingStarted.aspx?CUID=14600454&amp;LoanFormId=6605301709282121300&amp;ChannelId=3237804504296170517&amp;LocationId=2930124303177191838&amp;IsFramed=F\" target=\"_blank\" title=\"Apply Now\">Apply Now</a></div>\n\n<div class=\"grid-30 tablet-grid-33\"><a class=\"btn hide-mobile\" href=\"loan-payment-calculator\" title=\"Simple Loan Calculator\">Calculate Payments</a></div>\n\n<div class=\"grid-30 tablet-grid-33\"><a class=\"btn hide-mobile\" href=\"mailto:loandepartment@sccu.net\" target=\"_blank\" title=\"Contact us at loandepartment@sccu.net\">Contact Us</a></div>\n\n<div class=\"clearfix\">&nbsp;</div>\n</div>\n    <p class=\"terms\"><sup>*</sup>Your rate is determined by term, credit score and down payment.</p>\n    <p class=\"terms\">APR<sup>&#8224;</sup> = Annual percentage rate. Your rate is determined by term, credit score and down payment. Restrictions may apply. Other terms and conditions may be available. Rates subject to change without notice. Rates effective December 2018 and apply to new and used autos and motorcycles. Other rates and terms available for vehicles over 6 years old or 75,000 miles. Minimum loan amount of $15,000 to qualify for 78 month term option. Minimum loan amount of $25,000 to qualify for 84 month term.</p>\n</div>','auto-motorcycle-powersports-loan-rates',0,NULL,NULL,NULL,'Autos & Motorcycle Loan Rates','','','ICON_car.png',0),(53,0,0,'Loans - RATES Boats & RVs','Boats & RVs','<div class=\"rate-module\">\n    <h5 class=\"text-italic text-thick\"><sup>&#8224;</sup>APR effective December, 2018</h5>\n    <div class=\"stripe-md\">\n        <article>\n            <span class=\"text-uppercase\">From</span>&nbsp;&nbsp;<span class=\"num\">5.24%</span> <span class=\"text-uppercase\">to</span> <span class=\"num\">17.99%<sup>*</sup></span>&nbsp;<span>APR<sup>&#8224;</sup></span> <span class=\"description\">up to 60 months <span class=\"sub\">(minimum loan amount $5,000)</span></span>\n      </article>\n        <article>\n            <span class=\"text-uppercase\">From</span>&nbsp;&nbsp;<span class=\"num\">5.34%</span> <span class=\"text-uppercase\">to</span> <span class=\"num\">17.99%<sup>*</sup></span>&nbsp;<span>APR<sup>&#8224;</sup></span> <span class=\"description\">up to 84 months <span class=\"sub\">(minimum loan amount $15,000)</span></span>\n    </article>\n        <article>\n            <span class=\"text-uppercase\">From</span>&nbsp;&nbsp;<span class=\"num\">6.24%</span> <span class=\"text-uppercase\">to</span> <span class=\"num\">17.99%<sup>*</sup></span>&nbsp;<span>APR<sup>&#8224;</sup></span> <span class=\"description\">up to 120 months <span class=\"sub\">(minimum loan amount $20,000)</span></span>\n        </article>\n        <article>\n            <span class=\"text-uppercase\">From</span>&nbsp;&nbsp;<span class=\"num\">6.74%</span> <span class=\"text-uppercase\">to</span> <span class=\"num\">17.99%<sup>*</sup></span>&nbsp;<span>APR<sup>&#8224;</sup></span> <span class=\"description\">up to 180 months <span class=\"sub\">(minimum loan amount $25,000)</span></span>\n        </article>\n    </div>\n    \n    <div class=\"content-block actions\">\n        <div class=\"grid-30 tablet-grid-33\">\n            <a class=\"btn\" href=\"https://www.loanliner.com/LoanRequest/CLPPresenter/GettingStarted.aspx?CUID=14600454&LoanFormId=6605301709282121300&ChannelId=3237804504296170517&LocationId=2930124303177191838&IsFramed=F\" title=\"Apply Now\" target=\"_blank\">Apply Now</a>\n        </div>\n        <div class=\"grid-30 tablet-grid-33\">\n            <a class=\"btn hide-mobile\" href=\"loan-payment-calculator\" title=\"Simple Loan Calculator\">Calculate Payments</a>\n        </div>\n        <div class=\"grid-30 tablet-grid-33\">\n            <a class=\"btn hide-mobile\" href=\"mailto:loandepartment@sccu.net\" title=\"Contact us at loandepartment@sccu.net\" target=\"_blank\">Contact Us</a>\n        </div>\n        <div class=\"clearfix\"></div>\n    </div>\n    <p class=\"terms\"><sup>*</sup>Your rate is determined by term, credit score and down payment.</p>\n    <p class=\"terms\"><sup>&#8224;</sup>APR = Annual percentage rate. Rates subject to change without notice. Restrictions may apply. Other terms and conditions may be available. Contact us for details.</p>\n</div>','boats-and-rv-loan-rates',0,NULL,NULL,NULL,'Boats & RVs Loan Rates','','','ICON_boat.png',0),(54,0,0,'Loans - Options for your loan','Options for Your Loan','<h5>Auto Warranties</h5>\n\n<p>Getting an auto loan is about more than just the right rate. It&#39;s also about having the right protection. For just a few dollars a month, Mechanical Repair Coverage can save you hundreds or even thousands of dollars. Spokane City Credit Union offers 3 levels of warranty protection;</p>\n\n<h2 style=\"text-align:center;\">Silver&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Gold&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Platinum</h2>\n\n<p>MEMBERS CHOICE Mechanical Repair Coverage (MRC) starts protecting you immediately after purchase&nbsp;from the high costs and inconvenience of breakdowns. And, the plan&#39;s 24-hour roadside assistance program covers, towing, emergency travel expense and rental reimbursement, making the &quot;Member&#39;s Choice Mechanical Repair Coverage&quot; the perfect compliment to your manufacturer&#39;s warranty.</p>\n<p>Talk to an Auto Loan Specialist for more information.</p>\n\n<p>&nbsp;</p>\n\n<h5>Guaranteed Auto Protection (GAP)</h5>\n\n<p>Fill in the GAP on your next Auto Loan! In the event that your automobile is stolen or damaged beyond repair, you may be surprised to learn that the value your insurance company places on your automobile may be substantially less than the amount you actually owe. The result is a financial &quot;gap&quot; and you may be responsible to pay the difference.</p>\n\n<p>GAP Insurance is low-cost coverage that pays the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle.</p>\n\n<p>In other words, GAP Insurance could save you thousands of dollars.</p>','options-for-your-loan',0,NULL,NULL,NULL,'Options for Your Loan','','','ICON_options.png',0),(55,0,0,'Loans - Mortgages','Whether you are buying or refinancing, we\'ve got the right loan for you!','<p>Now you can find the perfect home loan solution without leaving your credit union.</p>\n\n<h2>SCCU Home Loan Program</h2>\n      <p><i>May 1, 2017</i></p>\n      \n	  <p><a class=\"btn\" href=\"https://www.mortgageclick.org/default.asp?siteId=6E8BDCE9-BAD9-4400-BEEE-B25B0EBB89E1\" target=\"_blank\" title=\"Learn More and Apply Now\">Get Started</a></p>\n\n      <ul>\n        <li>Conventional 1st Mortgage Loans with terms of 5, 10, 15, 20 and 30 years.</li>\n        <li>Refinance up to 90% of appraised value, when term is 20 years or less.</li>\n        <li>We lend in Spokane County and neighboring counties in Washington and Idaho.</li>\n        <li>We loan on homes, condos, townhouses and mfg. homes affixed to real estate.</li>\n        <li>Loans from $25,000 to $250,000.</li>\n      </ul>\n\n\n      <h5>Competitive rates and fees</h5>  \n      <ul>\n        <li>We only lend locally, we know the market.</li>\n        <li>Local decisions.</li>\n        <li>Experienced lenders.</li>\n        <li>No 1-800 servicing number. You call SCCU or stop by our office.</li>\n        <li>Have trusted partners to refer you to in the event we cannot assist you.</li>\n      </ul>\n\n      <h5>Equity Loans/2nd Mortgages</h5>\n      <ul>\n        <li>Terms of 5, 10, 15, and 20 years.</li>\n        <li>Lend up to 90% of appraised value on second mortgage.</li>\n        <li>Loans from $10,000 to $200,000.</li>\n      </ul>\n\n      <p>For more information, call us at (509) 325-4444 or stop by our office at 1930 N. Monroe between 9 and 5 during the week, and speak with one of our friendly home loan advisors, or click the button below to learn more and start the application process.</p>\n	  <p><a class=\"btn\" href=\"https://www.mortgageclick.org/default.asp?siteId=6E8BDCE9-BAD9-4400-BEEE-B25B0EBB89E1\" target=\"_blank\" title=\"Learn More and Apply Now\" style=\"float:left;\">Get Started</a><img src=\"/imgs/ICON_equal-housing-lender.png\" style=\"max-width:70px; margin-bottom:20px; float:right;\" /></p>','first-mortgages',0,NULL,NULL,NULL,'Mortgages','','','ICON_mortgages.png',0),(108,0,0,'Contest Official Rules','Official Contest Rules','<p>Spokane City Credit Union (SCCU) Online Banking Giveaway Official Contest Rules</p>\n\n<p>Spokane City Credit Union located at 1930 N Monroe Street in Spokane, WA 99205 is giving away $500.00. You must have an account in Good Standing with Spokane City Credit Union to participate in this drawing. <b>All entries must be submitted via the SCCU website (www.sccu.net/online-banking-drawing).</b> No entries will be accepted by any other means.  All entries must be received by 11:59 PM, Pacific Time on November 30, 2017.  The contest is open to members in good standing of Spokane City Credit Union.  The offer is void to non-members of Spokane City Credit Union.  Employees and volunteers of SCCU are not eligible to participate.  All entries must be from a natural person.  Limit one (1) entry per single natural person. Must be 18 years or older to enter.  The total value is $500.00.  The cash, will be deposited into the members account at Spokane City Credit Union.  It cannot be exchanged for or merchandise.  The odds of winning depend on the number of valid entries received in the promotion period which runs from 12:00 AM Pacific Time on September 15, 2017 through 11:59 PM Pacific Time on November 30, 2017.  The winner will be selected from all valid entries received by random drawing on December 8, 2017.  The winner need not be present at SCCU to win.  The winner will be notified by phone no later than December 15, 2017.   The name of the winner may be used by SCCU in its promotional materials and on its website and social media sites for a period not to exceed one year, ending December 8, 2018. By submitting an entry, you consent to receiving information from SCCU including information regarding its products, services and special offers by email and/or postal mail. You may opt-out of the receipt of such information at any time by following the instructions in the email or by contacting SCCU in writing at the address shown above.  The winner is responsible for any and all applicable taxes and fees owed to the US Government and/or the States of Washington or Idaho.  A list of winners is available by written request mailed to Spokane City Credit Union, PO Box 9639, Spokane, WA 99209.</p>\n\n<p>Important Disclosure</p>\n<p>In order to have Mobile Banking and Bill Pay you must have Online Banking.  A checking account is required for Remote Deposit Capture (RDC).  The SCCU Funds Availability Policy applies to all check deposits made via RDC and through an ATM.</p>','',0,NULL,NULL,NULL,'','','','ICON_disclosures_white.png',0),(56,0,0,'Loans - Loan Calculator','Loan Payment Calculator','','loan-payment-calculator',0,NULL,NULL,NULL,'Loan Payment Calculator','','','ICON_disclosures.png',0),(57,0,0,'Foreclosure Help','Foreclosure Assistance','<h5>Before foreclosure, know your options</h5>\n\n<p>Low-cost resources are available to help homeowners</p>\n<h5>Seeking assistance</h5>\n<p>Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following:</p>\n<ul>\n  <li>The statewide foreclosure hotline recommended by the Housing Finance Commission:<br>\n    Toll-free 1-877-894-HOME (1-877-894-4663)<br>\n    <a href=\"http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm\" target=\"_blank\" title=\"This link opens a third-party website not affiliated with SCCU.\" data-warning >http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm</a>\n  </li>\n  <li>The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys:<br>\n    Toll-free: 1-888-201-1014<br>\n    <a href=\"http://nwjustice.org/what-clear\" target=\"_blank\" title=\"This link opens a third-party website not affiliated with SCCU.\" data-warning >http://nwjustice.org/what-clear</a>\n  </li>\n  <li>United States Department of Housing and Urban Development:<br>\n    Toll-free: 1-877-741-3281<br>\n    Local counseling agencies in Washington:<br>\n    <a href=\"http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&searchstate=WA&filterSvc=dfc\" target=\"_blank\" title=\"This link opens a third-party website not affiliated with SCCU.\" data-warning >http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&amp;searchstate=WA&amp;filterSvc=dfc</a>\n  </li>\n</ul>\n<p>Not everyone offers the same services. Explore the options and find one that meets your specific needs.</p>','foreclosure-assistance',0,NULL,NULL,NULL,'Foreclosure Assistance','','','ICON_disclosures.png',0),(58,0,0,'Rates - Loan Rates - Autos up to 5 Years Old','Autos and Motorcycles up to 6 Years Old and Under 75k miles','<table class=\"ratestable\" border=\"0\">\n  <tr>\n    <td class=\"col1\">TERMS</td>\n    <td>Up to 78 months </td>\n    <td>Up to 84 months</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">FIXED RATE APR *</td>\n    <td>From 3.33% to 17.99%*</td>\n    <td>From 3.33% to 17.99%*</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">INTEREST RATE *</td>\n    <td>From 3.33% to 17.99%*</td>\n    <td>From 3.33% to 17.99%*</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">MINIMUM LOAN AMOUNT</td>\n    <td>$15,000 (for 78 mo. terms only)</td>\n    <td>$25,000</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">PERCENT FINANCED</td>\n    <td>100% plus tax and license</td>\n    <td>100% plus tax and license</td>\n  </tr>\n</table>\n<p class=\"terms\">*Your rate is determined by term, credit score and down payment.</p>','loan-rates-autos-up-to-6-years-old',0,NULL,NULL,NULL,'Loan Rates for Autos and Motorcycles up to 6 Years Old','','','ICON_auto-loan-rates.png',0),(59,0,0,'Rates - Loan Rates MAIN','Loan Rates','<h5>Effective July, 2019 (Subject to change without notice)</h5>','loan-rates',0,NULL,NULL,NULL,'Loan Rates','','','',0),(70,0,0,'Rates - Savings Rates MAIN','Savings Rates','<h5>Effective September 11, 2019 (Subject to change without notice)</h5>','rates-savings',0,NULL,NULL,NULL,'Savings Rates','','','',0),(60,0,0,'Rates - Loan Rates - Autos 7 Years and Older','Autos and Motorcycles 7 Years and Older and over 75k miles','<table border=\"0\" class=\"ratestable\">\n	<tbody>\n		<tr>\n			<td>TERMS</td>\n			<td>Up to 78 months</td>\n			<td>Up to 84 months</td>\n		</tr>\n		<tr>\n			<td>FIXED RATE APR *</td>\n			<td>From 3.33% to 17.99%*</td>\n			<td>From 3.33% to 17.99%*</td>\n		</tr>\n		<tr>\n			<td>INTEREST RATE *</td>\n			<td>From 3.33% to 17.99%*</td>\n			<td>From 3.33% to 17.99%*</td>\n		</tr>\n		<tr>\n			<td>MINIMUM LOAN AMOUNT</td>\n			<td>$15,000 (for 78 mo. terms only)</td>\n			<td>$25,000</td>\n		</tr>\n		<tr>\n			<td>PERCENT FINANCED</td>\n			<td>100% plus tax and license</td>\n			<td>100% plus tax and license</td>\n		</tr>\n	</tbody>\n</table>\n<p class=\"terms\">*Your rate is determined by term, credit score and down payment.</p>','loan-rates-autos-7-years-and-older',0,NULL,NULL,NULL,'Loan Rates for Autos and Motorcycles 7 Years and Older','','','',0),(61,0,0,'Rates - Loan Rates - Motorcycles, ATVs, Snowmobiles','ATV\'s, Snowmobiles, Motorcycles, and Personal Water Craft','<table class=\"ratestable\" border=\"0\">\n  <tr>\n    <td class=\"col1\">TERMS</td>\n    <td>Up to 78 months </td>\n    <td>Up to 84 months</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">FIXED RATE APR *</td>\n    <td>From 4.24% to 17.99%*</td>\n    <td>From 4.24% to 17.99%*</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">INTEREST RATE *</td>\n    <td>From 4.24% to 17.99%*</td>\n    <td>From 4.24% to 17.99%*</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">MINIMUM LOAN AMOUNT</td>\n    <td>$15,000 (for 78 mo. terms only)</td>\n    <td>$25,000</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">PERCENT FINANCED</td>\n    <td>100% plus tax and license</td>\n    <td>100% plus tax and license</td>\n  </tr>\n</table>\n<p class=\"terms\">*Your rate is determined by term, credit score and down payment.</p>','loan-rates-motorcycles-atv-snowmobiles',0,NULL,NULL,NULL,'Loan Rates on New and Used ATV\'s, Snowmobiles, Motorcycles, and Personal Water Craft','','','',0),(62,0,0,'Rates - Loan Rates - Boats and RVs','New & Used Boats and RV\'s','<p>Flexible down payment requirements.</p>\n<p>Other rates and terms available for boats and RV\'s over 10 years old.</p>\n\n\n<table class=\"ratestable six-column\" border=\"0\">\n  <tr>\n    <td class=\"col1\">TERMS</td>\n    <td>Up to 60 months </td>\n    <td>Up to 84 months </td>\n    <td>Up to 120 months</td>\n     <td>Up to 180 months</td>\n </tr>\n  <tr>\n    <td class=\"col1\">FIXED RATE APR *</td>\n    <td>From 5.24% to 17.99%*</td>\n    <td>From 5.34% to 17.99%*</td>\n    <td>From 6.24% to 17.99%*</td>\n    <td>From 6.74% to 17.99%*</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">INTEREST RATE *</td>\n    <td>From 5.24% to 17.99%*</td>\n    <td>From 5.34% to 17.99%*</td>\n    <td>From 6.24% to 17.99%*</td>\n    <td>From 6.74% to 17.99%*</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">MINIMUM LOAN AMOUNT</td>\n    <td>$5,000</td>\n    <td>$15,000</td>\n    <td>$20,000</td>\n    <td>$25,000</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">PERCENT FINANCED</td>\n    <td>100% plus tax and license</td>\n    <td>100% plus tax and license</td>\n    <td>100% plus tax and license</td>\n    <td>100% plus tax and license</td>\n  </tr>\n</table>\n<p class=\"terms\">*Your rate is determined by term, credit score and down payment.</p>','loan-rates-boats-rvs',0,NULL,NULL,NULL,'Loan Rates for New & Used Boats and RV\'s','','','ICON_boat.png',0),(63,0,0,'Rates - Loan Rates - Diamond VISA','Diamond VISA','<table class=\"ratestable two-column\" border=\"0\">\n  <tr>\n    <td class=\"col1\">INTEREST RATE *</td>\n    <td>3.99%<sup>&#8224;</sup></td>\n  </tr>\n  <tr>\n    <td class=\"col1\">FIXED RATE APR *</td>\n    <td>3.99%<sup>&#8224;</sup></td>\n  </tr>\n  <tr>\n    <td class=\"col1\">TERMS</td>\n    <td>Payment is 3% of loan balance, minimum of $20.00.</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">ANNUAL FEE</td>\n    <td>$12.00</td>\n  </tr>\n</table>\n<p class=\"terms\"><sup>&#8224;</sup>3.99% for the first 18 months then 9.99% thereafter.</p>','loan-rates-diamond-visa',0,NULL,NULL,NULL,'Diamond VISA Rates','','','ICON_creditcard.png',0),(64,0,0,'Rates - Loan Rates - Classic VISA','Classic VISA','<table class=\"ratestable two-column\" border=\"0\">\n  <tr>\n    <td class=\"col1\">INTEREST RATE *</td>\n    <td>9.99%</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">FIXED RATE APR *</td>\n    <td>9.99%</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">TERMS</td>\n    <td>Payment is 3% of loan balance, minimum of $20.00.</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">ANNUAL FEE</td>\n    <td>$12.00</td>\n  </tr>\n</table>','loan-rates-classic-visa',0,NULL,NULL,NULL,'Classic VISA Rates','','','',0),(65,0,0,'Rates - Loan Rates - HELOC','Home Equity Line of Credit','<table class=\"ratestable two-column\" border=\"0\">\n  <tr>\n    <td class=\"col1\">PERCENT FINANCED</td>\n    <td>80% loan-to-value ratio</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">INTEREST RATE*</td>\n    <td>as low as 5.00% (3)</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">FIXED & ADJUSTABLE RATE TERMS</td>\n    <td>Fixed first 3 years/Variable then annually thereafter with 2% periodic cap (3)</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">MINIMUM LOAN/LINE</td>\n    <td>$10,000</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">MAXIMUM LOAN AMOUNT</td>\n    <td>$200,000</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">MAXIMUM LOAN TERM</td>\n    <td>up to 180 months (5)</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">PREPAYMENT PENALTY</td>\n    <td>NONE</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">ELIGIBLE PROPERTIES</td>\n    <td>Owner occupied single family residences in Spokane area</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">CLOSING COSTS</td>\n    <td>Paid by SCCU (6)</td>\n  </tr>\n</table>','loan-rates-home-equity-lines-of-credit',0,NULL,NULL,NULL,'Loan Rates for 3 Year Fixed Home Equity Line of Credit','','','ICON_heloc_white.png',0),(66,0,0,'Rates - Loan Rates - Home Equity Lines of Credit','Home Equity Line of Credit','<table class=\"ratestable two-column\" border=\"0\">\n  <tr>\n    <td class=\"col1\">PERCENT FINANCED</td>\n    <td>80% loan-to-value ratio</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">INTEREST RATE*</td>\n    <td>as low as 5.99% (3)</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">ADJUSTABLE RATE TERMS</td>\n    <td>Adjustable rate (3)</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">TERMS</td>\n    <td>up to 180 months**</td>\n  </tr>\n</table>','loan-rates-home-equity-lines-of-credit',0,NULL,NULL,NULL,'Loan Rates for Home Equity Line of Credit','','','',0),(67,0,0,'Rates - Loan Rates - Signature Line of Credit','Signature Line of Credit Loans','<table class=\"ratestable two-column\" border=\"0\">\n  <tr>\n    <td class=\"col1\">INTEREST RATE*</td>\n    <td>As low as 9.90%</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">FIXED APR*</td>\n    <td>As low as 9.90%</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">TERMS</td>\n    <td>up to 48 months</td>\n  </tr>\n</table>','loan-rates-signature-loans',0,NULL,NULL,NULL,'Signature Line of Credit Loan Rates','','','ICON_personal_green.png',0),(68,0,0,'Rates - Loan Rates - Share Secured Loans','Share Secured Loans','<table class=\"ratestable two-column\" border=\"0\">\n  <tr>\n    <td class=\"col1\">PERCENT FINANCED</td>\n    <td>100% of regular share balance</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">INTEREST RATE*</td>\n    <td>As low as 3.00%</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">FIXED RATE APR *</td>\n    <td>As low as 3.00%</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">TERMS</td>\n    <td>120 months</td>\n  </tr>\n</table>','loan-rates-share-secured-loans',0,NULL,NULL,NULL,'Loan Rates for Share Secured Loans','','','',0),(69,0,0,'Rates - Loan Rates - Foot Notes','','<p class=\"terms\">(1) Rates shown for loans and savings products are subject to change without notice.<br />\n  APR = Annual Percentage Rate.</p>\n<p class=\"terms\">*other rates and terms may apply depending upon the individual creditworthiness of each applicant. Rate advertised assumes direct deposit with SCCU, an approved signature line of credit and 40% down payment. Signature line of credit loans are not eligible for discount for direct deposit.</p>\n<p class=\"terms\">** Term depends on amount financed.</p>\n<p class=\"terms\">***Loan amounts over $50,000 require 25% down payment.</p>\n<p class=\"terms\">**** Add 2% APR if collateral is 10 or more years old or has more than 100,000 miles, maximum loan 80%</p>\n<p class=\"terms\">(2) Minimum loan of $35,000 for 84 month financing.</p>\n<p class=\"terms\">(3) The index is the monthly average of the Six Month Treasury Bill Rate (Auction High). We will use January index values to determine your annual percentage rate. The rate you receive is based on certain creditworthiness factors. Ask us for the current index value, margin and annual percentage rate.</p>\n<p class=\"terms\">(4) Your loan interest rate is dependent on term, collateral, credit score and payment history.</p>\n<p class=\"terms\">(5) A fixed Annual Percentage Rate (APR) will be used for the first 3 years of the plan. We will determine the periodic rate and the corresponding annual percentage rate during the variable rate period as follows: we start with an independent (the \"index\") which is the Wall Street Journal Prime Rate (WSJ Prime). We will use the WSJ Prime Rate   a margin to determine your annual percentage rate. The annual percentage rate will change to a variable rate at the beginning of the 4th year of the plan. Thereafter, the annual percentage rate can change annually on the first day of the quarter following the anniversary month of the plan. The annual percentage rate will not increase or decrease more than 2 percentage points in any one-year period. However, under no circumstances will the annual percentage rate go below 5.00% at any time during the term of the plan.</p>\n<p class=\"terms\">(6) All fees will be waived providing the loan remains in effect for 2 years.</p>','',0,NULL,NULL,NULL,'','','','',0),(71,0,0,'Rates - Savings Rates - Regular Share','Regular Share (Savings)','<table class=\"ratestable seven-column\" border=\"0\">\n  <tr>\n     <td class=\"col1\">DAILY BALANCE</td>\n     <td>MINIMUM BALANCE REQUIRED</td>\n     <td>MINIMUM BALANCE TO EARN STATED APY</td>\n     <td>DIVIDEND RATE<sup>&#8224;</sup></td>\n     <td>ANNUAL PERCENTAGE YIELD (APY)</td>\n     <td>DIVIDEND COMPOUNDED AND CREDITED</td>\n     <td>DIVIDEND PERIOD</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">$0.00 - $999.99</td>\n    <td>$0.00</td>\n    <td>$0.00</td>\n    <td>0.25%</td>\n    <td>0.25%</td>\n    <td>Quarterly</td>\n    <td>Quarterly</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">$1,000.00 - $4,999.99</td>\n    <td>$1,000.00</td>\n    <td>$1,000.00</td>\n    <td>0.25%</td>\n    <td>0.25%</td>\n    <td>Quarterly</td>\n    <td>Quarterly</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">$5,000.00 - $9,999.99</td>\n    <td>$5,000.00</td>\n    <td>$5,000.00</td>\n     <td>0.25%</td>\n     <td>0.25%</td>\n     <td>Quarterly</td>\n     <td>Quarterly</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">$10,000.00 - $24,999.99</td>\n    <td>$10,000.00</td>\n    <td>$10,000.00</td>\n    <td>0.25%</td>\n    <td>0.25%</td>\n    <td>Quarterly</td>\n    <td>Quarterly</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">$25,000.00 - $49,999.99</td>\n    <td>$25,000.00</td>\n    <td>$25,000.00</td>\n    <td>0.25%</td>\n    <td>0.25%</td>\n    <td>Quarterly</td>\n    <td>Quarterly</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">$50,000.00 - $99,999.99</td>\n    <td>$50,000.00</td>\n    <td>$50,000.00</td>\n    <td>0.25%</td>\n    <td>0.25%</td>\n    <td>Quarterly</td>\n    <td>Quarterly</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">$100,000.00 </td>\n    <td>$100,000.00</td>\n    <td>$100,000.00</td>\n    <td>0.25%</td>\n    <td>0.25%</td>\n    <td>Quarterly</td>\n    <td>Quarterly</td>\n  </tr>\n</table>\n<p><sup>&dagger;</sup>Fees could reduce the earnings on the account. Refer to our <a href=\"truth-in-savings-disclosure\" title=\"Truth in Savings disclosure\">Truth in Savings disclosure</a> for additional information.</p>\n\n<div style=\"display:none\">\n<table class=\"ratestable seven-column\" border=\"0\">\n  <tr>\n     <td class=\"col1\">DAILY BALANCE</td>\n     <td>MINIMUM BALANCE REQUIRED</td>\n     <td>MINIMUM BALANCE TO EARN STATED APY</td>\n     <td>DIVIDEND RATE<sup>&#8224;</sup></td>\n     <td>ANNUAL PERCENTAGE YIELD (APY)</td>\n     <td>DIVIDEND COMPOUNDED AND CREDITED</td>\n     <td>DIVIDEND PERIOD</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">$0.00 - $999.99</td>\n    <td>$0.00</td>\n    <td>$0.00</td>\n    <td>0.25%</td>\n    <td>0.25%</td>\n    <td>Quarterly</td>\n    <td>Quarterly</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">$1,000.00 - $4,999.99</td>\n    <td>$1,000.00</td>\n    <td>$1,000.00</td>\n    <td>0.25%</td>\n    <td>0.25%</td>\n    <td>Quarterly</td>\n    <td>Quarterly</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">$5,000.00 - $9,999.99</td>\n    <td>$5,000.00</td>\n    <td>$5,000.00</td>\n     <td>0.26%</td>\n     <td>0.26%</td>\n     <td>Quarterly</td>\n     <td>Quarterly</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">$10,000.00 - $24,999.99</td>\n    <td>$10,000.00</td>\n    <td>$10,000.00</td>\n    <td>0.27%</td>\n    <td>0.27%</td>\n    <td>Quarterly</td>\n    <td>Quarterly</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">$25,000.00 - $49,999.99</td>\n    <td>$25,000.00</td>\n    <td>$25,000.00</td>\n    <td>0.28%</td>\n    <td>0.28%</td>\n    <td>Quarterly</td>\n    <td>Quarterly</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">$50,000.00 - $99,999.99</td>\n    <td>$50,000.00</td>\n    <td>$50,000.00</td>\n    <td>0.29%</td>\n    <td>0.29%</td>\n    <td>Quarterly</td>\n    <td>Quarterly</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">$100,000.00 </td>\n    <td>$100,000.00</td>\n    <td>$100,000.00</td>\n    <td>0.30%</td>\n    <td>0.30%</td>\n    <td>Quarterly</td>\n    <td>Quarterly</td>\n  </tr>\n</table>\n\n<table border=\"0\" class=\"four-column ratestable\" style=\"display:none;\">\n	<tbody>\n		<tr>\n			<td>MINIMUM OPENING BALANCE</td>\n			<td>$5.00</td>\n			<td>$1,000.00</td>\n			<td>$5,000.00</td>\n		</tr>\n		<tr>\n			<td>MINIMUM BALANCE REQUIRED</td>\n			<td>$5.00-$999.99</td>\n			<td>$1,000.00-$4,900.00</td>\n			<td>$5,000.00</td>\n		</tr>\n		<tr>\n			<td>MINIMUM BALANCE TO EARN STATED APY</td>\n			<td>$5.00</td>\n			<td>$1,000.00</td>\n			<td>$5,000.00</td>\n		</tr>\n		<tr>\n			<td>DIVIDEND RATE<sup>&dagger;</sup></td>\n			<td>.15%</td>\n			<td>.20%</td>\n			<td>.25%</td>\n		</tr>\n		<tr>\n			<td>ANNUAL PERCENTAGE YIELD (APY)</td>\n			<td>.15%</td>\n			<td>.20%</td>\n			<td>.25%</td>\n		</tr>\n		<tr>\n			<td>DIVIDEND COMPOUNDED AND CREDITED</td>\n			<td>Quarterly</td>\n			<td>Quarterly</td>\n			<td>Quarterly</td>\n		</tr>\n		<tr>\n			<td>DIVIDEND PERIOD</td>\n			<td>Quarterly</td>\n			<td>Quarterly</td>\n			<td>Quarterly</td>\n		</tr>\n	</tbody>\n</table>\n\n<p><sup>&dagger;</sup>Fees could reduce the earnings on the account. Refer to our <a href=\"truth-in-savings-disclosure\" title=\"Truth in Savings disclosure\">Truth in Savings disclosure</a> for additional information.</p>\n</div>','savings-rates-regular-share-accounts',0,NULL,NULL,NULL,'Rates on Regular Share (Savings) Deposits','','','ICON_savings-rates.png',0),(72,0,0,'Rates - Savings Rates - Preferred Share Investment','Preferred Share Investment (PSI) and Money Market Accounts','<table border=\"0\" class=\"ratestable six-column\">\n	<tbody>\n		<tr>\n			<td>PSI DAILY BALANCE</td>\n			<td>MINIMUM BALANCE TO EARN STATED APY</td>\n			<td>NOMINAL DIVIDEND RATE<sup>&dagger;</sup></td>\n			<td>ANNUAL PERCENTAGE YIELD (APY)</td>\n			<td>DIVIDEND COMPOUNDED AND CREDITED</td>\n			<td>DIVIDEND POSTED</td>\n		</tr>\n		<tr>\n			<td>$0.00 - $4,999.99</td>\n			<td>$0.00</td>\n			<td>0.35%</td>\n			<td>0.35%</td>\n			<td>Earned Daily</td>\n			<td>Last Day of Month</td>\n		</tr>\n		<tr>\n			<td>$5,000.00 - $24,999.99</td>\n			<td>$5,000.00</td>\n			<td>0.35%</td>\n			<td>0.35%</td>\n			<td>Earned Daily</td>\n			<td>Last Day of Month</td>\n		</tr>\n		<tr>\n			<td>$25,000.00 - $49,999.99</td>\n			<td>$25,000.00</td>\n			<td>0.45%</td>\n			<td>0.45%</td>\n			<td>Earned Daily</td>\n			<td>Last Day of Month</td>\n		</tr>\n		<tr>\n			<td>$50,000.00 - $99,999.99</td>\n			<td>$50,000.00</td>\n			<td>0.55%</td>\n			<td>0.55%</td>\n			<td>Earned Daily</td>\n			<td>Last Day of Month</td>\n		</tr>\n		<tr>\n			<td>$100,000.00</td>\n			<td>$100,000.00</td>\n			<td>0.57%</td>\n			<td>0.57%</td>\n			<td>Earned Daily</td>\n			<td>Last Day of Month</td>\n		</tr>\n	</tbody>\n</table>\n\n<p><sup>&dagger;</sup>If closed prior to month end, dividend is forfeited. Fees could reduce the earnings on the account.</p>\n\n<p>Refer to our <a href=\"truth-in-savings-disclosure\" title=\"Truth in Savings disclosure\">Truth in Savings disclosure</a> for additional information.</p>\n\n<table border=\"0\" class=\"four-column ratestable\" style=\"display:none\">\n	<tbody>\n		<tr>\n			<td>PSI BALANCE</td>\n			<td>$5,000-$24,999.99</td>\n			<td>$25,000-$49,999.99</td>\n			<td>$50,000</td>\n		</tr>\n		<tr>\n			<td>NOMINAL DIVIDEND RATE<sup>&dagger;</sup></td>\n			<td>.30%</td>\n			<td>.40%</td>\n			<td>.50%</td>\n		</tr>\n		<tr>\n			<td>ANNUAL PERCENTAGE YIELD (APY)</td>\n			<td>.30%</td>\n			<td>.40%</td>\n			<td>.50%</td>\n		</tr>\n		<tr>\n			<td>MINIMUM BALANCE</td>\n			<td>$5,000.00</td>\n			<td>$25,000.00</td>\n			<td>$50,000.00</td>\n		</tr>\n		<tr>\n			<td>DIVIDEND COMPOUNDED AND CREDITED</td>\n			<td>Earned Daily</td>\n			<td>Earned Daily</td>\n			<td>Earned Daily</td>\n		</tr>\n		<tr>\n			<td>DIVIDEND POSTED</td>\n			<td>Last Day of Month</td>\n			<td>Last Day of Month</td>\n			<td>Last Day of Month</td>\n		</tr>\n		<tr>\n			<td>PENALTY</td>\n			<td colspan=\"3\">If closed prior to month end, dividend is forfeited.</td>\n		</tr>\n	</tbody>\n</table>\n\n<p>&nbsp;</p>','savings-rates-psi-and-money-market',0,NULL,NULL,NULL,'PREFERRED SHARE INVESTMENT (PSI) AND MONEY MARKET ACCOUNTS','','','',0),(73,0,0,'Rates - Savings Rates - Individual Retirement Accounts','Individual Retirement Accounts','<h5>Traditional, Roth Conversion and Roth Contribution Accounts</h5>\n\n<table border=\"0\" class=\"ratestable six-column\">\n	<tbody>\n		<tr>\n			<td>IRA DAILY BALANCE</td>\n			<td>MINIMUM BALANCE TO EARN STATED APY</td>\n			<td>NOMINAL DIVIDEND RATE<sup>&dagger;</sup></td>\n			<td>ANNUAL PERCENTAGE YIELD (APY)</td>\n			<td>DIVIDEND COMPOUNDED AND CREDITED</td>\n			<td>DIVIDEND POSTED</td>\n		</tr>\n		<tr>\n			<td>$0.00 - $999.99</td>\n			<td>$50.00</td>\n			<td>0.25%</td>\n			<td>0.25%</td>\n			<td>Quarterly</td>\n			<td>Quarterly</td>\n		</tr>\n		<tr>\n			<td>$1,000.00 - $4,999.99</td>\n			<td>$1,000.00</td>\n			<td>0.25%</td>\n			<td>0.25%</td>\n			<td>Quarterly</td>\n			<td>Quarterly</td>\n		</tr>\n		<tr>\n			<td>$5,000.00 - $9,999.99</td>\n			<td>$5,000.00</td>\n			<td>0.26%</td>\n			<td>0.26%</td>\n			<td>Quarterly</td>\n			<td>Quarterly</td>\n		</tr>\n		<tr>\n			<td>$10,000.00 - $24,999.99</td>\n			<td>$10,000.00</td>\n			<td>0.27%</td>\n			<td>0.27%</td>\n			<td>Quarterly</td>\n			<td>Quarterly</td>\n		</tr>\n		<tr>\n			<td>$25,000.00 - $49,999.99</td>\n			<td>$25,000.00</td>\n			<td>0.28%</td>\n			<td>0.28%</td>\n			<td>Quarterly</td>\n			<td>Quarterly</td>\n		</tr>\n		<tr>\n			<td>$50,000.00 - $99,999.99</td>\n			<td>$50,000.00</td>\n			<td>0.29%</td>\n			<td>0.29%</td>\n			<td>Quarterly</td>\n			<td>Quarterly</td>\n		</tr>\n		<tr>\n			<td>$100,000.00</td>\n			<td>$100,000.00</td>\n			<td>0.30%</td>\n			<td>0.30%</td>\n			<td>Quarterly</td>\n			<td>Quarterly</td>\n		</tr>\n	</tbody>\n</table>\n\n<p><sup>&dagger;</sup>Fees could reduce the earnings on the account. Refer to our <a href=\"truth-in-savings-disclosure\" title=\"Truth in Savings disclosure\">Truth in Savings disclosure</a> for additional information.</p>\n\n<p>&nbsp;</p>\n\n<h5>Coverdell Education Savings Account</h5>\n\n<table border=\"0\" class=\"ratestable two-column\">\n	<tbody>\n		<tr>\n			<td>DIVIDEND RATE<sup>&dagger;</sup></td>\n			<td>.50%</td>\n		</tr>\n		<tr>\n			<td>ANNUAL PERCENTAGE YIELD (APY)</td>\n			<td>.50%</td>\n		</tr>\n		<tr>\n			<td>MINIMUM OPENING BALANCE</td>\n			<td>$50.00</td>\n		</tr>\n		<tr>\n			<td>MINIMUM BALANCE REQUIRED</td>\n			<td>$50.00</td>\n		</tr>\n		<tr>\n			<td>MINIMUM BALANCE TO EARN STATED APY</td>\n			<td>$50.00</td>\n		</tr>\n		<tr>\n			<td>DIVIDEND COMPOUNDED AND CREDITED</td>\n			<td>Quarterly</td>\n		</tr>\n		<tr>\n			<td>DIVIDEND PERIOD</td>\n			<td>Quarterly</td>\n		</tr>\n	</tbody>\n</table>\n\n<p><sup>&dagger;</sup>Fees could reduce the earnings on the account. Refer to our <a href=\"truth-in-savings-disclosure\" title=\"Truth in Savings disclosure\">Truth in Savings disclosure</a> for additional information.</p>','savings-rates-ira',0,NULL,NULL,NULL,'Rates on Individual Retirement Accounts','','','',0),(74,0,0,'Rates - Savings Rates - Holiday Savings Club','Holiday Savings Club','<table class=\"ratestable two-column\" border=\"0\">\n  <tr>\n    <td class=\"col1\">NOMINAL DIVIDEND RATE<sup>&#8224;</sup></td>\n    <td>.50%</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">ANNUAL PERCENTAGE YIELD (APY)</td>\n    <td>.50%</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">MINIMUM OPENING BALANCE</td>\n    <td>$25.00</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">DIVIDEND CALCULATION</td>\n    <td>Earned Daily</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">DIVIDEND POSTED</td>\n    <td>Last Day of Month</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">MATURITY</td>\n    <td>The 1st business day of November the balance will transfer to a designated account.</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">MAXIMUM DEPOSIT</td>\n    <td>$5,000.00</td>\n  </tr>\n</table>\n<p style=\"margin-top:10px;\"><sup>&#8224;</sup>Fees could reduce the earnings on the account. Refer to our <a href=\"truth-in-savings-disclosure\" title=\"Truth in Savings disclosure\">Truth in Savings disclosure</a> for additional information.</p>\n\n<div style=\"display:none;\">\n<table class=\"ratestable two-column\" border=\"0\">\n  <tr>\n    <td class=\"col1\">NOMINAL DIVIDEND RATE<sup>&#8224;</sup></td>\n    <td>.50%</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">ANNUAL PERCENTAGE YIELD (APY)</td>\n    <td>.50%</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">MINIMUM OPENING BALANCE</td>\n    <td>$25.00</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">DIVIDEND CALCULATION</td>\n    <td>Earned Daily</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">DIVIDEND POSTED</td>\n    <td>Last Day of Month</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">PENALTY FOR CLOSING PRIOR TO NOVEMBER 1ST</td>\n    <td>$10.00</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">ENROLLMENT PERIOD</td>\n    <td>December 1st - February 28th</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">ADDITIONAL DEPOSITS REQUIRED BY PAYROLL DEDUCTION/AFT</td>\n    <td>Minimum $20 monthly deposit required</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">MATURITY</td>\n    <td>The 1st business day of November the balance will transfer to a designated account.</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">MAXIMUM DEPOSIT</td>\n    <td>$5,000.00</td>\n  </tr>\n</table>\n<p style=\"margin-top:10px;\"><sup>&#8224;</sup>Fees could reduce the earnings on the account. Refer to our <a href=\"truth-in-savings-disclosure\" title=\"Truth in Savings disclosure\">Truth in Savings disclosure</a> for additional information.</p>\n</div>','savings-rates-holiday-savings-club',0,NULL,NULL,NULL,'Holiday Savings Club Rates','','','ICON_savings-rates.png',0),(75,0,0,'Rates - Savings Rates - Term Share Certificates','Term Share Certificates and Individual Retirement Accounts Invested as Term Share Certificates','<table class=\"ratestable four-column\" border=\"0\">\n  <tr>\n    <td class=\"col1\">MINIMUM BALANCE REQUIRED</td>\n    <td>$1 - $24,999</td>\n    <td>$25,000.00 - $99,999</td>\n    <td>$100,000.00 </td>\n  </tr>\n  <tr>\n    <td class=\"col1\">MINIMUM BALANCE TO EARN STATED </td>\n    <td>$1 - $24,999</td>\n    <td>$25,000.00 - $99,999</td>\n    <td>$100,000.00 </td>\n  </tr>\n  <tr>\n    <td class=\"col1\">MINIMUM OPENING BALANCE</td>\n    <td>$1,000.00</td>\n    <td>$25,000.00 - $99,999</td>\n    <td>$100,000.00 </td>\n  </tr>\n  <tr>\n    <td class=\"col1\">DIVIDEND RATE<sup>&#8224;</sup></td>\n    <td style=\"vertical-align:top;\">\n      6 month... .50%<br />\n      12 month... .75%<br />\n      24 month... 1.0%<br />\n      36 month... 2.0%\n    </td>\n    <td style=\"vertical-align:top;\">\n      6 month... .50%<br />\n      12 month... .75%<br />\n      24 month... .1.0%<br />\n      36 month... 2.0%\n    </td>\n    <td style=\"vertical-align:top;\">\n      6 month... .50%<br />\n      12 month... .75%<br />\n      24 month... 1.0%<br />\n      36 month... 2.0%\n  </td>\n  </tr>\n  <tr>\n    <td class=\"col1\">ANNUAL PERCENTAGE YIELD (APY)</td>\n    <td style=\"vertical-align:top;\">\n      6 month... .50%<br />\n      12 month... .75%<br />\n      24 month... 1.0%<br />\n    36 month... 2.0%</td>\n    <td style=\"vertical-align:top;\">\n      6 month... .50%<br />\n      12 month... .75%<br />\n      24 month... 1.0%<br />\n      36 month... 2.0%\n    </td>\n    <td style=\"vertical-align:top;\">\n      6 month... .50%<br />\n      12 month... .75%<br />\n      24 month... 1.0%<br />\n      36 month... 2.0%\n    </td>\n  </tr>\n  <tr>\n    <td class=\"col1\">DIVIDEND COMPOUNDED AND CREDITED</td>\n    <td>Monthly</td>\n    <td>Monthly</td>\n    <td>Monthly</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">DIVIDEND PERIOD</td>\n    <td>Monthly</td>\n    <td>Monthly</td>\n    <td>Monthly</td>\n  </tr>\n</table>\n<p>&nbsp;</p>\n\n<p>Additional deposits permitted ($500 minimum each deposit)</p>\n<p>Bump up feature (one time option to increase the rate during the term to an equivalent SCCU term share certificate)</p>\n<p><sup>&#8224;</sup>Fees could reduce the earnings on the account.</p>\n\n\n<div style=\"display:none\">\n<table class=\"ratestable four-column\" border=\"0\">\n  <tr>\n    <td class=\"col1\">MINIMUM BALANCE REQUIRED</td>\n    <td>$1 - $24,999</td>\n    <td>$25,000.00 - $99,999</td>\n    <td>$100,000.00 </td>\n  </tr>\n  <tr>\n    <td class=\"col1\">MINIMUM BALANCE TO EARN STATED </td>\n    <td>$1 - $24,999</td>\n    <td>$25,000.00 - $99,999</td>\n    <td>$100,000.00 </td>\n  </tr>\n  <tr>\n    <td class=\"col1\">MINIMUM OPENING BALANCE</td>\n    <td>$1,000.00</td>\n    <td>$25,000.00 - $99,999</td>\n    <td>$100,000.00 </td>\n  </tr>\n  <tr>\n    <td class=\"col1\">DIVIDEND RATE<sup>&#8224;</sup></td>\n    <td style=\"vertical-align:top;\">\n      6 month... .40%<br />\n      9 month... 1.50%<sup>*</sup><br />\n      12 month... .50%<br />\n      18 month... 2.50%<sup>*</sup><br />\n      24 month... .60%\n    </td>\n    <td style=\"vertical-align:top;\">\n      6 month... .45%<br />\n      &nbsp;<br />\n      12 month... .55%<br />\n      &nbsp;<br />\n      24 month... .65%\n    </td>\n    <td style=\"vertical-align:top;\">\n      6 month... ..45%<br />\n      &nbsp;<br />\n      12 month... .55%<br />\n      &nbsp;<br />\n      24 month... .65%\n  </td>\n  </tr>\n  <tr>\n    <td class=\"col1\">ANNUAL PERCENTAGE YIELD (APY)</td>\n    <td style=\"vertical-align:top;\">\n      6 month... .40%<br />\n      9 month... 1.50%<br />\n      12 month... .50%<br />\n      18 month... 2.50%<br />\n      24 month... .60%\n    </td>\n    <td style=\"vertical-align:top;\">\n      6 month... .45%<br />\n      &nbsp;<br />\n      12 month... .55%<br />\n      &nbsp;<br />\n      24 month... .65%\n    </td>\n    <td style=\"vertical-align:top;\">\n      6 month... ..45%<br />\n      &nbsp;<br />\n      12 month... .55%<br />\n      &nbsp;<br />\n      24 month... .65%\n    </td>\n  </tr>\n  <tr>\n    <td class=\"col1\">DIVIDEND COMPOUNDED AND CREDITED</td>\n    <td>Monthly</td>\n    <td>Monthly</td>\n    <td>Monthly</td>\n  </tr>\n  <tr>\n    <td class=\"col1\">DIVIDEND PERIOD</td>\n    <td>Monthly</td>\n    <td>Monthly</td>\n    <td>Monthly</td>\n  </tr>\n</table>\n<p>&nbsp;</p>\n\n<p>Additional deposits permitted ($500 minimum each deposit)</p>\n<p>Bump up feature (one time option to increase the rate during the term to an equivalent SCCU term share certificate)</p>\n<p><sup>*</sup>9 and 18 month terms is only for \"new money\". Existing deposits at SCCU do not qualify for these terms/rates. Maximum deposit $50,000.</p>\n<p><sup>&#8224;</sup>Fees could reduce the earnings on the account.</p>\n</div>','savings-rates-term-share-certificates',0,NULL,NULL,NULL,'Term Share Certificates and Individual Retirement Accounts Invested as Term Share Certificates','','','',0),(110,0,0,'Online Banking Contest','Contest Entry','<p>Enter now for your chance to win $500.</p>\n\n<p><strong>Entries subject to eligibility requirements as defined in the <a class=\"scroller\" href=\"#rules\">Official Contest Rules</a>.</strong> Limit one (1) entry per person. Must be 18 years or older to enter. Entry deadline November 30, 2017.</p>','online-banking-drawing',0,NULL,NULL,NULL,'Online Banking Contest Entry','','','ICON_join.png',0),(77,0,0,'Safe Act Information','S.A.F.E. Act Information','<h5>Secure and Fair Enforcement for Mortgage Licensing Act of 2008</h5>\n<p>On July 28, 2010 the Nation Credit Union Association (NCUA) and other Federal Agencies published a final rule to implement the federal registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). The registration requirements apply to all employees acting in the capacity of a Mortgage Loan Originator (MLO). The S.A.F.E. Act requires all MLOs to register with the Nationwide Mortgage Licensing System and Registry (NMLS). Once registered, each MLO is provided a Unique Identifier from the NMLS. An MLO must provide this Unique Identifier to each mortgage loan applicant upon request and prior to the employee acting as an MLO.</p>\n\n<p>The list below includes the NMLS information for each MLO employed by SCCU.</p>\n<ul>\n  <li>Gene Fitzpatrick #512409</li>\n  <li>Kathy Holmes #754322</li>\n  <li>Tim Lieske #789479</li>\n  <li>Jamie Forbes #804029</li>\n  \n</ul>\n\n<p>Effective July 21, 2011, the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) has been transferred to the Consumer Financial Protection Bureau (CFPB) for administration and enforcement.  You can submit a SAFE Act inquiry to the CFPB by e-mailing to <a href=\"mailto:CFPB_SAFEAct_Inquiries@cfpb.gov\" title=\"Send email to CFPB_SAFEAct_Inquiries@cfpb.gov\" target=\"_blank\">CFPB_SAFEAct_Inquiries@cfpb.gov</a>.</p>','safe-act-information',0,NULL,NULL,NULL,'S.A.F.E. Act Information','','','ICON_disclosures.png',0),(78,1,0,'Home Page Rates Summary- Auto and Motorcycle Loans','Auto & Motorcycle Loans','<p>3.33%</p>','',0,NULL,NULL,NULL,'','','','',0),(79,1,0,'Home Page Rates Summary - Boat & RV Loans','Boat & RV Loans','<p>5.24%</p>','',0,NULL,NULL,NULL,'','','','',0),(80,1,0,'Home Page Rates Summary - Home Equity Loans','Home Equity Loans','<p>5.00%</p>','',0,NULL,NULL,NULL,'','','','',0),(81,1,0,'Home Page Rates Summary - Signature Loans','Signature Loans','<p>9.90%</p>','',0,NULL,NULL,NULL,'','','','',0),(82,1,0,'Home Page Rate Summary - VISA Classic','VISA Classic','<p>9.99%</p>','',0,NULL,NULL,NULL,'','','','',0),(112,0,0,'Monroe Street - Part 3','Plan for Construction','<p>During initial design of the project the City received numerous requests from Monroe Street businesses, most of which can be summarized by the following:</p>\n\n<ul>\n	<li>To minimize the duration of the impact of the project in one construction season, and</li>\n	<li>To maintain traffic flow through the project.</li>\n</ul>\n\n<p>The City has learned from experience on previous projects that allowing vehicle traffic within the contractor&#39;s work area greatly slows down construction production. We could not identify an option that completely supported both of these requests simultaneously. Therefore we will focus on shortening the construction time as much as possible. We plan to employ two contractors on this project working simultaneously in order to complete the job in a single construction season.</p>\n\n<p>Contractors on the two projects will complete their work in stages. Each stage will be constructed in approximately four-block segments. Therefore, along Monroe Street, there will be two separate four block segments being worked on at one time by two separate contractors. In general, vehicle traffic will not be allowed along Monroe Street in the segments under construction. Provisions will be made for businesses with scheduled deliveries or specific access needs. Pedestrian access to businesses will be maintained except for a brief time when the sidewalk directly in front of a door is being worked on. This work will be coordinated during construction to minimize the impact to the business. During construction an accurate schedule will be developed--and updated as appropriate--for notification of the specific period of time that each property will be impacted. Each construction segment will have a contractor public liaison onsite and the City&#39;s Construction Relations Manager will, in addition, be available to provide assistance.</p>\n\n<p>Construction will begin as weather allows in the spring, likely around the beginning of April and will be completed in the fall.</p>\n\n<p>While there are some differences in the projects we encourage you to visit the recently completed Sprague Avenue project (from Helena Street to Altamont Street) to see a project with similar, but not identical, features. The Sprague Project will give you an idea of what to expect once Monroe St. is completed.</p>\n\n<p>&nbsp;</p>\n<p><i>The information above is from a letter from the City of Spokane, Department of Engineering Services dated September 5th, 2017 and is provided herein for our member\'s benefit as this work may impact the accessibility of the credit union during the constuction period. Additional information about this project is available on the City\'s website at <a href=\"https://my.spokanecity.org/projects/north-monroe-corridor-project-2018/\" target=\"_blank\" title=\"This link opens a third-party website not affiliated with SCCU\" data-warning >https://my.spokanecity.org/projects/north-monroe-corridor-project-2018/</a></i></p>\n\n<p>&nbsp;</p>\n<p><a class=\"btn\" href=\"http://www.monroeproject.com/\" target=\"_blank\" data-warning >Visit the Monroe Project Website</a></p>','',0,NULL,NULL,NULL,'','','','ICON_disclosures_white.png',0),(107,1,0,'Home Page Rate Summary - VISA Balance Transfer','VISA','<p>3.99%</p>','',0,NULL,NULL,NULL,'',NULL,NULL,'',0),(85,0,0,'Thank you','Thank You!','<p>Thank you! Your information is being processed.</p>\n<p>You will be contacted within 1 week by a Spokane City Credit Union employee.</p>\n<p><b>**IMPORTANT!!!**</b>&nbsp;&nbsp;No personal information such as social security number, account number, credit card number, etc., will be asked by the credit union employee who contacts you.  If a person contacts you claiming to be from Spokane City Credit Union and asks for this information, DO NOT GIVE IT TO THEM!  This is called Phishing and is a technique used in identity theft.   The Spokane City Credit Union employee who contacts you will only ask questions to verify that you submitted the information. </p>\n<p>Example Questions: <br />  \n  &quot;Am I speaking to Jenny Jones?&quot;<br />  &quot;Is your mailing address 818 N. Maple Rd?&quot;</p>','thankyou',0,NULL,NULL,NULL,'Thank you','','','ICON_contact_green.png',0),(106,0,0,'Contest Entry','Seattle Mariners Ticket Giveaway','<p><img src=\"upload_content/MarinersGiveaway.png\" style=\"float:right; margin:0 0 10px 10px\" />Fill out the form below to be entered into a drawing to win <strong>4 tickets</strong> to watch the <a title=\"This link opens a third-party website not affiliated with SCCU.\" href=\"https://www.mlb.com/mariners/\" target=\"_blank\" title=\"Official Seattle Mariners Website\"><strong>Seattle Mariners</strong></a> as they face off against the Los Angeles Angels on <a title=\"This link opens a third-party website not affiliated with SCCU.\" href=\"http://seattle.mariners.mlb.com/schedule/?c_id=sea#y=2017&amp;m=8&amp;calendar=DEFAULT\" target=\"_blank\" title=\"Seattle Mariners vs. Los Angeles Angels\">Saturday, August 12<sup>th</sup>, 2017</a> at Safeco Field in Seattle. In addition, the winner will receive a <strong>$100 VISA gift card</strong>. Total prize valued of $289.</p>\n\n<p><strong>Entries subject to eligibility requirements as defined in the <a class=\"scroller\" href=\"#rules\">Official Contest Rules</a>.</strong> Limit one (1) entry per person. Must be 18 years or older to enter. Entry deadline June 27, 2017.</p>','seattle-mariners-ticket-giveaway',0,NULL,NULL,NULL,'Seattle Mariners Ticket Giveaway','','','ICON_join.png',0),(109,0,0,'Other Services','Other Services','<ul>\n  <li><b>24/7 ATM</b> at SCCU&#8217;s office at 1930 N Monroe in Spokane. There is <u>no fee</u> to use this ATM. Get cash or make a deposit (cash and checks).</li>\n  <li><b>ACH</b> &#8211; schedule transfers or make loan payments between other Credit Unions/Banks. This is a great way to transfer money or make payments between SCCU and other Credit Unions/Banks.  Just set the amount and the date and let the machine move the money.</li>\n  <li><b>Direct Deposit</b> &#8211; Have your paycheck sent directly to SCCU. No need to cash the check.</li>\n</ul>','other-services',0,NULL,NULL,NULL,'Other Convenience Services','','','ICON_mobile-banking.png',0),(114,0,0,'Monroe Street - Part 2','Project Overview','<p><a href=\"https://www.sccu.net/upload_content/2015054_SITE-PLAN_Knox-to-Indiana_NoScale.pdf\" title=\"Click to download a larger version\"><img alt=\"Monroe Street Project Site Plan\" class=\"right\" src=\"https://www.sccu.net/upload_content/2015054_SITE-PLAN-Knox-Indiana.png\" /></a></p>\n\n<p>The North Monroe Street project will rebuild Monroe Street from Indiana Avenue to Kiernan Avenue. The project\'s goals are to:</p>\n\n<ul>\n  <li>Enhance pedestrian and vehicular safety.</li>\n  <li>Improve aesthetics of the corridor by enhancing streetscape elements.</li>\n  <li>Reconstruct the roadway surface for improved drivability.</li>\n  <li>Provide High Performance Transit bus stops.</li>\n  <li>Upgrade existing utilities as needed within the limits of the project.</li>\n</ul>\n<p>In order to meet these goals, the project will:</p>\n<ul>\n  <li>Widen sidewalks, traffic lanes and parking strips.</li>\n  <li>Update and improve lighting for the street and sidewalk.</li>\n  <li>Create sidewalk bump outs at intersections to reduce crosswalk distances.</li>\n  <li>Construct new High Performance Transit (HPT) bus stops and establish enhanced crosswalks at Montgomery, Grace and Dalton Avenues, incorporating pedestrian activated flashing beacons.</li>\n  <li>Replace the water main from Indiana to Montgomery Avenue and sections of water main at most cross streets.</li>\n  <li>Re-size the roadway from five lanes to three in most areas (beginning at Shannon Avenue on the south end of the project) to accommodate wider sidewalks, lanes and parking}.</li>\n  <li>Retain two lanes of travel up hill (beginning at the bottom near Alice Avenue heading north).</li>\n  <li>Place a new sidewalk on the east side of Monroe Street hill.</li>\n  <li>Install bicycle racks and benches (where requested by property or business owners).</li>\n  <li>Add street trees in the proximity of Shannon Avenue to Cora Avenue (where wider sidewalks allow).</li>\n</ul>\n<p>The bus stops will include amenities to support STA\'s HPT system. Amenities will include taller curbs and infrastructure for off-bus ticket vending machines. These amenities will eliminate the need for buses to kneel for riders with mobility challenges and support streamlined patron loading.</p>\n<p>The project does <u><b>not</b></u> include any curb, island, barrier or trees in the middle of the street and does <u><b>not</b></u> include angled parking.</p>','',0,NULL,NULL,NULL,'','','','ICON_disclosures_white.png',0),(116,0,0,'Board Candidates','Vote to Elect Your Board of Directors','<h5>Voting Is Your Right.</h5>\n\n<p>Part of what makes credit unions different than banks is that each member of a credit union is an equal shareholder of the financial co-op, which means you have a say as to what happens at your credit union.</p>\n\n<p>Another big difference is that we are governed by a volunteer Board of Directors and a Supervisory Committee, elected by our members. These individuals serve as your voice here at the credit union and make important decisions on matters such as rates, promotions, policies, procedures and guide the overall direction of our credit union. It\'s up to you to elect the individuals you think will serve in the best interest of you and our membership. View the candidates below and then cast your vote.</p>\n\n<p>Election results will be announced at our Annual Meeting on April 12th. We look forward to seeing you there.</p>','',0,NULL,NULL,NULL,'2018 Candidates','','','ICON_board.png',0),(117,0,0,'March Motoring Madness','March Motoring Madness','<h1 class=\"text-primary mmm-madness\">Buy a car from any dealer and finance it with SCCU</h1>\n<h5 class=\"mmm-madness\" style=\"text-indent:50px;\">- OR -</h5>\n<h1 class=\"text-primary mmm-madness\">Have SCCU refinance your auto loan that\'s at another lender</h1>\n<h4 class=\"text-primary mmm-madness\">And SCCU will make your first payment</h4>\n\n<hr />\n\n<h4 class=\"mmm-madness text-orange\">Plus:</h4>\n<p class=\"mmm-madness\">Liberty Mutual will give a <span style=\"font-weight:700;\">10% discount</span> on auto insurance purchased by the borrower.</p>\n<p class=\"mmm-madness\">Thrifty Auto Rental and Sales will take <span style=\"font-weight:700;\">$300 off</span> their already low sale price if you buy a car from them at any of their locations in Spokane/CDA and finance it with SCCU.</p>\n\n<hr />\n\n<h4 class=\"mmm-madness text-orange\">And Then:</h4>\n<h4 class=\"mmm-madness\"><span style=\"font-style:normal; font-weight:normal;\">If someone buys the car off the lawn at SCCU (and finances it with SCCU)</span><br />\n<span class=\"text-primary mmm-madness uppercase\">They will get a $200 VISA Gift Card from SCCU!</span></h5>\n\n<hr />','march-motoring-madness',0,NULL,NULL,NULL,'March Motoring Madness','','','ICON_other-loans.png',0),(119,0,0,'Get Away Giveaway Contest Disclosure','Important Disclosure','<p>The number of entries depends on the amount financed in a qualified loan.&nbsp; For every $5,000.00, one entry will be generated.&nbsp; For instance, a $5,000 loan will result in one entry.&nbsp; A $12,500 loan will result in two entries.</p>','',0,NULL,NULL,NULL,'Important Disclosure','','','ICON_disclosures.png',0),(120,0,0,'Get Away Giveaway','2018 Get Away Giveaway','<h5>Open a motor vehicle<sup>*</sup> or travel trailer<sup>*</sup> loan<sup>&#8224;</sup>, and be entered in a drawing to <b>WIN $500!</b></h5>\n\n<p style=\"padding-top:20px; padding-bottom:10px;\">Existing SCCU Loans are not eligible. Other restrictions apply. See \"Official Contest Rules\" below for full details.</p>\n<p><a class=\"btn\" href=\"https://www.loanliner.com/LoanRequest/CLPPresenter/GettingStarted.aspx?CUID=14600454&LoanFormId=6605301709282121300&ChannelId=3237804504296170517&LocationId=2930124303177191838&IsFramed=F\" target=\"_blank\">Apply Now</a></p>\n\n\n<p style=\"padding-top:20px;\"><sup>*</sup>Includes RVs, Boats and PowerSports!<br>\n<sup>&#8224;</sup>Purchase or Refinance.</p>','get-away-giveaway',0,NULL,NULL,NULL,'2018 Get Away Giveaway','','','ICON_contest.png',0),(121,0,0,'Contest Winners - Jackalope','Winners Circle','<p>Contest winners drawn at random from all entries received during the weekly contest period. Each winner will receive a Jackalope plush toy. To enter, simply click on the LIVE CHAT button below or visit the SCCU offices to submit your answer in person to the current week&#39;s question. See <a href=\"/\">home page</a>.</p>\n\n<h5>Week 10 - December 24-30</h5>\n\n<p><strong>Question:</strong> What do you call a bunch of jackalopes stepping backwards?</p>\n\n<p><strong>Answer:</strong> A receding hare line..</p>\n\n<p><strong>Winner:</strong> none</p>\n\n<hr />\n<h5>Week 9 - December 17-23</h5>\n\n<p><strong>Question:</strong> Why did the jackalope cross the road near the playground?</p>\n\n<p><strong>Answer:</strong> To get to the other slide.</p>\n\n<p><strong>Winner:</strong> Mike C. - <em>Spokane</em></p>\n\n<hr />\n<h5>Week 8 - December 10-16</h5>\n\n<p><strong>Question:</strong> How can you tell the age of a jackalope?</p>\n\n<p><strong>Answer:</strong> Go to his birthday party.</p>\n\n<p><strong>Winner:</strong> Tom O. - <em>Spokane</em></p>\n\n<hr />\n<h5>Week 7 - December 3-9</h5>\n\n<p><strong>Question:</strong> Which side of a Jackalope has the most fur?</p>\n\n<p><strong>Answer:</strong> The outside.</p>\n\n<p><strong>Winner:</strong> Denese M. - <em>Spokane</em></p>\n\n<hr />\n<h5>Week 6 - November 26-December 2</h5>\n\n<p><strong>Question:</strong> What is as big as a jackalope, but doesn&#39;t weigh anything?</p>\n\n<p><strong>Answer:</strong> His shadow.</p>\n\n<p><strong>Winner:</strong> Gene - <em>Spokane</em></p>\n\n<hr />\n<h5>Week 5 - November 19-25</h5>\n\n<p><strong>Question:</strong> How do you know when a Jackalope is about to charge?</p>\n\n<p><strong>Answer:</strong> She takes out her credit card.</p>\n\n<p><strong>Winner:</strong> Rich R. - <em>Spokane</em></p>\n\n<hr />\n<h5>Week 4 - November 12-18</h5>\n\n<p><strong>Question:</strong> Why don&#39;t Jackalopes get hot in the summer?</p>\n\n<p><strong>Answer:</strong> Because they have hare-conditioning .</p>\n\n<p><strong>Winner:</strong> James W. - <em>Spokane</em></p>\n\n<hr />\n<h5>Week 3 - November 5-11</h5>\n\n<p><strong>Question:</strong> Where do Jackalopes like to work?</p>\n\n<p><strong>Answer:</strong> IHOP Restaurants.</p>\n\n<p><strong>Winner:</strong> Merry F. - <em>Spokane</em></p>\n\n<hr />\n<h5>Week 2 - October 29-November 4</h5>\n\n<p><strong>Question:</strong> What airlines do Jackalopes use?</p>\n\n<p><strong>Answer:</strong> United Harelines.</p>\n\n<p><strong>Winner:</strong> Stan J. - <em>Spokane</em></p>\n\n<hr />\n<h5>Week 1 - October 22-28</h5>\n\n<p><strong>Question:</strong> <em>cryptids</em> are animals that are found only in legends. The word comes from ancient Greece, from the word krypton which means &quot;hiding&quot; or &quot;to hide&quot;. How many cryptids can you name?</p>\n\n<p><strong>Best Answers:</strong> Sasquatch/Big Foot, Santa Claus, Loch Ness Monster, Mermaid, Unicorn, Tooth Fairy, Troll, Centaur, Liger, Yeti, Gargoyle, Leprachaun, &quot;my finances&quot;</p>\n\n<p><strong>Winner:</strong> Mike F. - <em>Spokane</em></p>','jackalope-contest-winners',0,NULL,NULL,NULL,'Previous Winners','','','ICON_news-and-events.png',0),(127,0,0,'CU Success Certificate','CU Succeed Term-Share Certificate','<p>The CU Succeed Term Share Certificate<sup>&#8224;</sup> is for our younger members under the age of 18 years old. This certificate (opened in kids name) is designed for parents/grandparents to make monthly deposits.  It offers a low minimum opening balance of only $100.00, and a minimum $10.00 required monthly deposit (by automatic deduction or AFT only) and has a 12 month term which pays the same as our other 12 CD, making it a great way to teach your kids or grandkids the value of saving money.</p>\n\n<p class=\"terms\"><sup>&#8224;</sup>Minimum 12 month term. In the event of an early withdrawal, the member will forfeit up to 90 days of interest. Interest penalty is waived if withdrawal or transfer is due to the death or incompetence of an owner. Interest/dividends are calculated using the daily balance method which applies a daily periodic rate to the balance in the account each day and interest/dividends will be credited to the certificate monthly. The maximum CU Succeed TSA is $25,000.00.</p>','',0,NULL,NULL,NULL,'CU Succeed Term-Share Certificate','','','ICON_savings.png',0),(123,0,0,'Loans - Water-Wise Loans','Water-Wise Landscape Loans','<h5 style=\"margin:0; padding:0;\">Lawns are out. Water-wise is in.</h5>\n<h3 class=\"text-primary\"><b>Make Your Yard <i>Water-Wise</i></b></h3>\n<p>Replace your thirsty lawn with water-smart native plants and mulch, and make your landscape fit our unique Inland Northwest climate.</p>\n<h5>With a water-wise yard, you can:</h5>\n<ul>\n  <li style=\"list-style-image:url(/imgs/ICON_chcekmark_green_sm.png)\">Use less water each month</li>\n  <li style=\"list-style-image:url(/imgs/ICON_chcekmark_green_sm.png)\">Spend less time and effort on yard upkeep</li>\n  <li style=\"list-style-image:url(/imgs/ICON_chcekmark_green_sm.png)\">Save on your monthly utility bills</li>\n  <li style=\"list-style-image:url(/imgs/ICON_chcekmark_green_sm.png)\">Protect our river and our regional environment</li>\n</ul>\n<p>If you\'re ready to make the switch to a new, water-efficient yard, SCCU can help.</p>\n<h5><b>SCCU offers two types of Water-Wise Landscape Loans</b> to help you remodel your home landscape:</h5>\n\n<table class=\"ratestable two-column\" style=\"margin:10px 0;\">\n    <tr>\n        <td class=\"col1\">\n          <h5 class=\"text-primary\" style=\"text-align:center; margin-top:0; font-style:normal;\">Home Equity Line of Credit</h5>\n          <ul>\n            <li>Secured by a lien on your home</li>\n            <li>3.99% fixed APR* for 5 years, then rate adjusts</li>\n            <li>Terms from 5 to 15 years</li>\n            <li>No loan fees or costs if loan stays open for 2 years. Borrower must reimburse SCCU for costs if paid off before 2 years.</li>\n          </ul>\n        </td>\n        <td class=\"col1\">\n          <h5 class=\"text-primary\" style=\"text-align:center; margin-top:0; font-style:normal;\">Personal Loan</h5>\n          <ul>\n            <li>Secured or unsecured</li>\n            <li>Rates vary from 5.99% APR* to 9.99% APR*</li>\n            <li>Terms up to 7 years</li>\n            <li>No loan fees</li>\n            <li>Max loan $10,000<br /><br /></li>\n          </ul>\n        </td>\n    </tr>\n </table>\n\n<p class=\"terms\">*APR = annual percentage rate</p>\n\n<p>City residents creating a water-wise home landscape are encouraged to apply for the <b>City of Spokane Lawn Replacement Rebate</b>. Conditions apply. Learn about the City of Spokane\'s SpokaneScape\nrequirements at <a href=\"https://www.waterstewardship.org\" target=\"_blank\" data-warning >waterstewardship.org</a>.</p>\n\n<p>SCCU\'s lending territory is the entire Spokane region. Your landscape project can qualify for SCCU\'s Water-Wise Landscape Loan even if you do not live within Spokane city limits or you do not qualify\nfor the City of Spokane\'s lawn replacement rebate program.</p>\n\n<p>As a local credit union, SCCU makes lending decisions right inside our building on North Monroe.<br />Questions? Contact our loan office directly at 325-4444 or stop by our office.</p>','loans-water-wise',0,NULL,NULL,NULL,'Water-Wise Landscape Loans','','','ICON_WaterWise.png',0),(124,0,0,'Guess the Presidents Contest Rules','Who Are These Guys? Official Contest Rules','<p>Spokane City Credit Union located at 1930 N Monroe Street in Spokane, WA 99205 is giving away $50.00 Cash. You must have an account in Good Standing with Spokane City Credit Union to participate in this drawing. All entries must be submitted via the &ldquo;Live Chat&rdquo; button on the SCCU website (<a href=\"https://www.sccu.net\">www.sccu.net</a>). No entries will be accepted by any other means. All entries must be received by 11:59 PM, Pacific Time on June 30, 2019. The contest is open to members in good standing of Spokane City Credit Union. The offer is void to non-members of Spokane City Credit Union. Employees and volunteers of SCCU are not eligible to participate. All entries must be from a natural person. Limit one (1) entry per single natural person. Must be 18 years or older to enter. The total value is $50.00. The Cash, will be delivered to the winner. It cannot be exchanged for gift card or merchandise. The odds of winning depend on the number of valid entries received in the promotion period which runs from 12:00 AM Pacific Time on May 1, 2019 through 11:59 PM Pacific Time on May 31, 2019. The winner will be selected from all valid entries received by random drawing on June 4, 2019. The winner need not be present at SCCU to win. The winner will be notified by phone no later than June 5, 2019. The name of the winner may be used by SCCU in its promotional materials and on its website and social media sites for a period not to exceed one year, ending May 31, 2020. By submitting an entry, you consent to receiving information from SCCU including information regarding its products, services and special offers by email and/or postal mail. You may opt-out of the receipt of such information at any time by following the instructions in the email or by contacting SCCU in writing at the address shown above. The winner is responsible for any and all applicable taxes and fees owed to the US Government and/or the States of Washington or Idaho. A list of winners is available by written request mailed to Spokane City Credit Union, PO Box 9639, Spokane, WA 99209.</p>','',0,NULL,NULL,NULL,'Spokane City Credit Union (SCCU) Guess the Presidents Official Contest Rules','','','ICON_forms_white.png',0),(125,0,0,'Who Are These Guys Contest','Who Are These Guys? Contest','<p>Tell us the names of the historical figures on the sunflowers above and/or on the <a href=\"/\">home page</a> via <strong>Live Chat</strong>. If you answer correctly, you will be entered into a drawing to win $50. See official contest rules below.</p>','guess-the-presidents-contest',0,NULL,NULL,NULL,'2019 Who Are These Guys? Contest','','','ICON_contest.png',0),(126,0,0,'Disclosures - Charitable Giving and Assistance Policy','Charitable Giving and Assistance Policy','<p>At SCCU we believe it&#8216;s important to support the Spokane community and the people who make our Inland Northwest home unique. We focus  our limited resources on events, programs, projects and initiatives that  benefit the broader community, where we believe they can do the most good. SCCU recognizes that community and organizational needs evolve over time, which is  why we listen to our members and continually re-evaluate our program to ensure  we are doing what is best for the community and the issues our members care about most.</p>\n<p><strong>Eligible Organizations</strong></p>\n<p>SCCU commits to giving one percent (1%) of their annual  profits to organizations focused on the following areas:</p>\n<ul>\n  <li>Spokane Library Foundation</li>\n  <li>Children&#8216;s Miracle Network </li>\n  <li>Spokane Parks Foundation & natural resource conservation groups</li>\n</ul>\n<p>Priority will be given to fund organizations dedicated to  making a positive impact in these areas. In order to be eligible to receive  charitable funds from SCCU, the receiving organization must:</p>\n<ul>\n  <li>Be a public charity with tax-exempt status under section 501(c)(3) of the Internal Revenue Code, a Washington Nonprofit Corporation or a federally recognized tribe.</li>\n  <li>Be registered with Washington&#8216;s Secretary of State as a charitable organization if required. For more information on  requirements for charities to register with the Secretary of State, click <a href=\"https://www.sos.wa.gov/charities/charitable-organization-faq.aspx#WhatisthedifferencebetweenaNonprofitOrganizationandaCharitableOrganization\"  data-warning >here</a>.&nbsp; </li>\n  <li>Under certain circumstances, applications from public entities such as school districts, municipalities or unincorporated  groups or associations may be considered.</li>\n  <li>Demonstrate an impact aligned with SCCU&#8216;s focused giving areas.</li>\n  <li>Benefit communities and people in Spokane County. </li>\n</ul>\n<p><strong>Ineligible Organizations</strong></p>\n<ul>\n  <li>Political or partisan organizations or  affiliations</li>\n  <li>Religious or religiously affiliated organizations</li>\n  <li>Organizations that discriminate on the basis of  race, ethnicity, creed, gender, sexual orientation, religion, disability,  familial status or any other protected class.</li>\n  <li>Individuals</li>\n</ul>\n<h2><strong>Requesting a Donation from SCCU</strong></h2>\n<p>All requests for donations should be submitted in writing  and include the following:</p>\n<ul>\n  <li>A letter of request on the organization&#8216;s  letterhead</li>\n  <li>A brief description of the organization  including mission and programs.</li>\n  <li>The specific purpose for which the funds are  being requested. Include a description of the population being served.</li>\n  <li>The dollar amount being requested, up to $500</li>\n  <li>A list of the organization&#8216;s current leadership including board members</li>\n  <li>A copy of the organization&#8216;s tax-exempt status or nonprofit designation as a government or tribal entity, as well as the Tax  Identification Number (TIN)</li>\n  <li>A completed W-9 IRS form. </li>\n</ul>\n<p><strong>Please send requests to:</strong></p>\n<p>Spokane City Credit Union<br />\nAttn: Charitable Giving<br />\n1930 N. Monroe St.<br />\nSpokane, WA 99205</p>\n\n<p><strong>Requests for Publicity</strong></p>\n<p>When members of SCCU or the public request assistance with  publicity of an event (such as a posting information about fund raiser for an  individual with an illness) the request is meet one of the following criteria:</p>\n<ol>\n  <li>Member in good standing at SCCU.</li>\n  <li>Individual who work with vendors who have a business relationship with SCCU.</li>\n  <li>SCCU is a registered member of the group such as the N. Monroe Business District.</li>\n  <li>All requests for publicity must be for a specific time period and or event.</li>\n  <li>The event must be open to all individuals, non  political and not affiliated with any church or religious group.</li>\n</ol>','',0,NULL,NULL,NULL,'Charitable Giving and Assistance Policy','','','ICON_disclosures.png',0);

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--

INSERT INTO `contest_entry_main` VALUES (25,'Lindsy Wood','dftbacallahan@yahoo.com','5092702581','3624 N washington','Spokane','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-01-06 15:15:01',NULL),(26,'Barbara Patrick','babszilla22@gmail.com','509-953-8202','PO Box 10184','Spokane','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-01-06 15:23:31',NULL),(27,'Marcus Eveland','meveland@spokanecity.org','509-496-7448','901 N. Nelson','Spokane','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-01-06 15:25:37',NULL),(28,'Catherine Johnson','jackcat03@gmail.com','5097420601','12508 E 20th Ave','Spokane Valley','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-01-06 15:34:00',NULL),(29,'Noah Baker','bakercloud240@yahoo.com','5092707584','3210 e. 44th f203','Spokane','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-01-06 15:45:50',NULL),(30,'Shawna Sampson','shawnasampson@comcast.net','5098289976','1518 W Mansfield ','Spokane ','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-01-06 15:56:11',NULL),(31,'Alice Acosta','alicemacosta@comcast.net','5099194808','1520 W. 7th Ave., Apt. 1','Spokane','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-01-06 17:23:17',NULL),(32,'Melissa Mullins','mel_mel1018@yahoo.com','5097147485','10 E Pineridge ct apt 1','Spokane','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-01-06 19:01:27',NULL),(33,'Angela Burks','knowledgeispower12@yahoo.com','5095595262','PO BOX 624','Cheney','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-01-07 05:09:10',NULL),(34,'Linda Daniels','lindypepper@yahoo.com','467 3424','11221 N Morrill','Mead','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-01-07 18:31:34',NULL),(35,'Frank Ugolini','opygump@aol.com','(509) 216-0783','12420 W Tower','Airway Heights','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-01-07 21:32:50',NULL),(36,'Bobbi Sandborn','bobbi1011@comcast.net','5099936302','10979 Ridge Tree Ct','Nine Nile Falls','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-01-08 12:58:36',NULL),(37,'Rob Ristau','4ristau@gmail.com','5097011933','2808 South Fox Rd.','Spokane ','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-01-08 17:58:00',NULL),(38,'Bill L Wheaton','billlee.bw.bw@outlook.com','5094811955','1214 W Decatur Ave','Spokane','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-01-09 09:56:17',NULL),(39,'Dean Kabanuk','kabanukd@msn.com','480-370-7102','20448 E. Colt Dr ','Queen Creek','AR',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-01-09 12:09:00',NULL),(40,'John Thomas Phillips','Delhizi1037@Gmail.com','(509) 953-7635','3105 W. Decatur Ave.','Spokane','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-01-09 12:39:00',NULL),(41,'Jon Montgomery','Jon_Montgomery@outlook.com','509-990-6303','3490 Mountainview Rd','Chewelah','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-01-26 15:08:35',NULL),(42,'harry ward ','hward@spokanecity.org','509-625-7845','6580 hwy 291 ','Nine Mile Falls','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-02-01 07:07:38',NULL),(43,'Jeston Burnett ','sloraboatracing@gmail.com','509-720-3353','16513 sagewood rd','Nine Mile Falls','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-02-01 07:14:28',NULL),(44,'Mark Costigan ','mclargeperfect@gmail.com','509-768-2866','6815 N Fleming ','Spokane ','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-02-01 07:26:04',NULL),(45,'John W Reynen','jwreynen@comcast.net','509-928-5644','15223 E 24th Ave','Spokane Valley','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-02-01 21:01:41',NULL),(46,'Kassandra O\'Dell','Kassandrasandaker@yahoo.com','5098505809','2414 N Washington ','Spokane','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-02-02 00:32:09',NULL),(47,'Jeanne Finger','jeanne.finger2013@gmail.com','509-590-8576','2730 E. 11th Avenue','Spokane','WA',NULL,0,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-02-02 06:24:55',NULL),(48,'Dave Hanshaw','sewerrat1931@gmail.com','5099986116','14203 E Mallon','Spokane Valley','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-02-02 08:27:34',NULL),(49,'Jay Thielen jr','Jaythielen6855@gmail.com','(509) 270-1486','5921 N Alberta ','Spokane','WA',NULL,1,'Northwest Bach Festival Finale',NULL,NULL,NULL,NULL,NULL,'2017-02-02 12:53:14',NULL),(52,'Erin Derrick','erinkim@comcast.net','5094991781','1408 E 35th','Spokane','WA','99203',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-04-29 17:32:52',NULL),(53,'Dean Ellerbusch','dean.ellerbusch@gmail.com','5098500150','1511 N Madison St','Spokane','WA','99201',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-01 20:39:27',NULL),(54,'Dennis Powell','DennisCPowell@msn.com','509-315-9565','5811 W Shawnee Ave','Spokane','WA','99208',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-05 08:31:13',NULL),(55,'Joleen Uhlenkott','jdjcu@comcast.net','1-509-994-9322','4305 E. Coplen Ave','Spokane ','Wa','99217',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-05 08:37:31',NULL),(56,'Jared Uhlenkott','jduhlenkott@comcast.net','1-509-723-7575','4305 E. Coplen Ave.','Spokane ','Wa','99217',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-05 08:38:59',NULL),(57,'Douglas Uhlenkott','druhlenkott@comcast.net','1-509-995-6043','4305 E. Coplen Ave.','Spokane ','Wa','99217',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-05 08:40:05',NULL),(58,'Danny Hoey','dhoey@spokanecity.org','2533702561','3105 s edra ct','veradale','WA','99037',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-05 12:16:45',NULL),(59,'Jill Basinger','jbasing@gmail.com','5099399888','21506 N Momroe Rd','Spokane','WA','99208',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-06 08:29:04',NULL),(60,'Laurie Eash','deash@aol.com','5097476964','1924 S Post','Spokane','WA','99203',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-08 19:27:06',NULL),(61,'Amy Deibel','amydeibel.ad@gmail.com','5099818346','2203 E South Crescent Ave','Spokane','WA','99207',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-11 11:01:07',NULL),(62,'Dennis Doidge','dennisdoidge@q.com','5099547778','2116 N. Madison','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-11 11:14:35',NULL),(63,'Mauricea Bozarth ','missibozarth@gmail.com','509-768-7587','1311 S. Blake rd','Spokane valley ','Wa','99216',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-11 12:18:25',NULL),(64,'Steve Bozarth ','dr.stever9099@gmail.com','509-994-3856','1311 S. Blake rd','Spokane valley ','Wa','99216',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-11 12:20:40',NULL),(65,'Joe Mockel','jmockel@yahoo.com','5099912934','5609 N Drumheller St','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-11 12:30:11',NULL),(66,'Kim Waddell','caneheidi@aol.com','5099541815','11920 E Mansfield 23','spokane valley','Wa','99206',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-11 12:42:32',NULL),(67,'Marcus Eveland','frdtrkfn66@gmail.com','509-496-7448','PO Box 1155','Deer Park','WA','99006',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-11 15:45:50',NULL),(68,'Ray Clarry','rayclarry@yahoo.com','5092201178','2614 E 39 th','Spokane','WA','99223-4540',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-11 18:00:59',NULL),(69,'Lyle Rayfuse','lrayfuse@hotmail.com','5094839465','1018 E Illinois Ave','Spokane','wa','99207-2639',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-11 22:10:24',NULL),(70,'John McLaughlin','johnnyconcrete@msn.com','509-999-5235','23004 king ln.','Chattaroy ','Wa','99003',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 04:35:55',NULL),(71,'Cynthia Fine','cynfine@yahoo.com','509-535-0385','176 S Coeur Dalene St. apt I202','Spokane','WA','99201',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 08:32:51',NULL),(72,'Brian Snipes','bwsnipes99@gmail.com','5099516024','2705 N. Crestline St.','SPOKANE','WA','99207',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 08:56:06',NULL),(73,'Wanda Snipes','bwsnipes@hotmail.com','5096883374','2705 N. Crestline St.','SPOKANE','WA','99207',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 08:57:07',NULL),(74,'Barbara Patrick','babszilla22@gmail.com','509-953-8202','2119 E. Leona','Spokane','WA','99208',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 09:04:52',NULL),(75,'Matthew Milne','mdmilne17@gmail.com','5099939057','4711 N Stevens St','Spokane','wa','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 10:52:26',NULL),(76,'John Ott','formersoldier04@aol.com','5093853078','2625 n Normandie','spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 13:16:02',NULL),(77,'Alan B. Christiansen','abcezloader@icloud.com','509-233-9007','PO BOX 776 - MAILING             ( 3976 Cedar Bay Road) Physical address','Loon Lake ','Wa','99148',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 13:48:31',NULL),(78,'Renee Robertson','rrobertson@spokanecity.org','509 570-4567','1011 E Rich','Spokane','Wa','99207',0,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 14:35:47',NULL),(79,'Elise Robertson','en9milr@gmail.com','5099545547','3007 e lane park road','Mead','WA','99021',0,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 16:18:30',NULL),(80,'Richard Click','gogriz15@gmail.com','5094757528','212 E Kiernan Ave','Spokane','WA','99207',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 16:23:15',NULL),(81,'Rochelle Click','rlclick@msn.com','5094757659','212 E Kiernan Ave','Spokane','WA','99207',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 16:24:00',NULL),(82,'Kim Harrop','Kim_nay16@yahoo.com','5096385309','5721 N Wall','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 16:25:12',NULL),(83,'Crystyne Borders','crystyneborders@gmail.com','5092511144','7815 N. Maple','Spokane','WA','99208',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 17:22:53',NULL),(84,'Craig Butz','c_butz@msn.com','509-466-2281','11506 N Galahad Dr','Spokane','WA','99218',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 18:08:33',NULL),(85,'Mary McCracken','mary_mccracken@live.com','5093622531','2417 W Wabash','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 19:40:46',NULL),(86,'Aaron McCracken','ajm6606@live.com','5092160194','2417 W. Wabash','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 19:41:03',NULL),(87,'Linda Overhauser','katolindao@aol.com','509-467-9508','16307 N Sagewood Road','9 Mile Falls','WA','99026',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-12 19:44:22',NULL),(89,'chuck bercier','fishingking50@hotmail.com','5098696641','6723 winston dr, mail adress pobox 10243','spokane','wa','99209',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-13 07:59:54',NULL),(90,'David R McMullin','cdmchorses@gmail.com','509-671-2395','1512N Stone','Spokane','WA','99207',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-13 14:13:10',NULL),(91,'Steve Obenland','steveo69@comcast.net','509 362-4515','11726 N Bedivere Dr.','Spokane','Wa','99218',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-13 15:53:40',NULL),(92,'Anton fernos ','antonfernos@yahoo.com','(509) 998-5081','7123 N. Winston Dr. ','Spokane ','Wa','99208',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-13 16:23:35',NULL),(93,'Phllis manderscheid','Pjmanderscheid1@comcast.net','5099992619','6110 n. Hartley','Spokane','Wa','99208',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-13 18:24:12',NULL),(94,'Harry Voss','hdizzel88@aol.com','5092700675','P.O. Box 14535','Spokane Valley','WA','99214',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-13 22:38:35',NULL),(95,'Richard H. Robertson','robertson727@hotmail.com','509-280-6570','5004 N Howard St','Spokane','Wa','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-14 07:31:45',NULL),(96,'Maureen Rickard','brick10314@aol.com','5098383352','214 W 19th Ave','Spokane','WA','99203',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-14 15:29:17',NULL),(97,'Bill Rickard','maureenrickard@aol.com','5098383352','214 W 19th Ave','Spokane','WA','99203',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-14 15:30:13',NULL),(98,'Christopher Chandler','christopherchandler4@gmail.com','509-710-8419','5709 N. Milton','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-15 09:16:04',NULL),(99,'Christopher Uhlenkott','cruhlenkott@hotmail.com','(509) 496-7051','3179 N Guinness Lane Apt 203','Post Falls','ID','83854',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-15 09:19:31',NULL),(100,'Kristina McGoldrick','ksmcgoldrick@gmail.com','509-995-3930','4018 E. 29th ','Spokane ','WA','99223',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-15 11:33:25',NULL),(101,'Steve Mcgoldrick','skmcgoldrick@gmail.com','509-328-1867','4018 E. 29th ','Spokane ','WA','99223',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-15 11:34:09',NULL),(102,'Lynn Green','greenacres292@gmail.com','5099988711','74 Trask Road','Newport','WA','99156',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-15 12:14:14',NULL),(103,'Mark R Brodland','mbrodland@yahoo.com','5092705955','2414 N Wiscomb St','Spokane','WA','99207',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-15 12:39:14',NULL),(104,'Linda Hansen','funkyloco@msn.com','509-270-3011','3846D Powers Rd','Loon Lake ','Wa','991480708',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-15 13:25:37',NULL),(105,'Carl Hansen','twofunky@gmail.com','509-270-3010','3846 D Powers Rd','Loon Lake','wa','991480708',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-15 13:26:31',NULL),(106,'Michele Lesesne','mlesesne@earthlink.net','509-325-4321','723 W Euclid Ave','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-15 21:17:57',NULL),(107,'Leon Sproule','cartersproule@gmail.com','5092386318','12302 E. Deer Creek Road','Chattaroy','WA','99003',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-15 21:24:56',NULL),(108,'Margaret Phillips','maggie2467@yahoo.com','5099270513','3513 E Courtland Ave','Spokane','WA','99217',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-16 08:19:05',NULL),(109,'Andrew Wolf','wolfandrew@outlook.com','509 326 2678','4303 N. Lincoln St.','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-16 09:34:20',NULL),(110,'Judy Mindermann','jmindermann@live.com','5099792948','5408 N. Davis Rd.','Spokane Valley','WA','99216',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-16 13:59:42',NULL),(111,'Kim Freeman','timfreeman@comcast.net','509.226.0849','4612 N Canal rd','Newman Lake','WA','99025',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-16 20:30:13',NULL),(112,'Robert VanGelder','noloverev@gmail.com','5096885797','3707 East Guy','Mead','WA','99021',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-17 05:50:46',NULL),(113,'Carley mize','vangelder.nolove@gmail.com','5098445977','3707 East Guy','Mead','wa','99021',0,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-17 05:51:25',NULL),(114,'Robert VanGelder','carleymize@hotmail.com','5096885797','3707 East Guy','Mead','WA','99021',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-17 05:52:09',NULL),(115,'WILLIAM T HANSEN','WTHKSH79@NETZERO.NET','5099398558','1204 S OAK ST','SPOKANE','WA','99204',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-17 06:33:45',NULL),(116,'Stephanie Foster','sjm41122@aol.com','5099993836','3604 n. atlantic','spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-17 08:03:38',NULL),(117,'Debra Herman','1benbear@gmail.com','208-651-7022','300 Tarentum Culmerville Rd','Tarentum','PA','15084',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-17 09:06:43',NULL),(118,'Kathy Rice','nanaonaharley@outlook.com','509-496-7380','2707 N Atlantic St','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-17 10:46:13',NULL),(119,'Darrel R Peterson','brotherdarrel77@yahoo.com','5096389295','1511 W Carlisle Ave','Spokane','Wa','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-18 06:58:42',NULL),(120,'T Overhauser','o221w6@centurylink.net','509-235-6204','221 W 6th','Cheney','WA','99004',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-18 08:54:22',NULL),(121,'Angela Stone','stoneangela62@yahoo.com','5098794918','1405 e 3rd st','Deer Park','WA','99006-____',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-18 09:43:35',NULL),(122,'Sindy Gartz','sindyg80@hotmail.com','509 475-1596','1511 E Rich','Spokane','WA','99207',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-18 12:03:23',NULL),(123,'Michael Goode','msgoode07@q.com','5099980378','29810 N Short Road','Deer Park','WA','99006',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-18 20:15:16',NULL),(124,'Ashlee Cooper','acooper1113@gmail.com','5092204432','3708 W Olympic Ave','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-19 11:05:19',NULL),(125,'HAL D CHAPMAN','lowtideseashells@aol.com','5099932171','2703 W Wellesley Ave','SPOKANE','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-19 20:06:18',NULL),(126,'Donald Brown','dgb1224@hotmail.com','509-868-6049','1224 E Glass Ave','Spokane','WA','99207-2929',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-22 11:06:04',NULL),(127,'Terese Van Liew','darvanli@comcast.net','5094845055','1410 S Mica Park Drive','Spokane Valley','WA','99206',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-22 14:23:16',NULL),(128,'Daryl Van Liew','megajoyman@gmail.com','5094845055','1410 S Mica Park Drive','Spokane Valley','WA','99206',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-22 14:24:52',NULL),(129,'Brandy Harris','blynn07@hotmail.com','509-496-1258','8021 E Augusta Ave ','Spokane Valley','WA','99212',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-22 16:13:23',NULL),(130,'Marie White','spomada@yahoo.com','5092307814','2503 e South Altamont Blvd','spokane','WA','99202',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-23 03:16:16',NULL),(131,'Jeremy White','spomada@gmail.com','5092307814','2503 e South Altamont Blvd','spokane','WA','99202',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-23 03:16:46',NULL),(132,'Tonya Rosslow ','tonyarosslow@comcast.net','5094753383','1003 E Nora','Spokane','WA','99207',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-23 09:42:03',NULL),(133,'Loretta crockett','dlcrock5@comcast.net','509-484-6277','6417 north regal','Spokane','Wa','99217',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-23 11:33:45',NULL),(134,'Maggie crockett ','dlcrock5@hotmail.com','5094846277','6417 north regal','Spokane','Wa','99217',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-23 11:38:17',NULL),(135,'Don Largent','drlargent@gmail.com','509 466-3186','10009 N. Moore','Spokane','WA','99208',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-24 06:22:18',NULL),(136,'Joy T Theodorson','jimandjoyt@comcast.net','509-927-7726','2802 S Century Ct','Spokane Valley','WA','99037',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-24 08:09:30',NULL),(137,'Miranda Blakley','ninjaprincess1377@gmail.com','509-991-4822','1111 E Gordon Ave','Spokane','WA','99207',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-24 08:27:18',NULL),(138,'Kim Richards','kimberly7970@hotmail.com','509-863-4445','PO Box 31285','Spokane','WA','99223',0,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-24 09:36:33',NULL),(139,'Kelly Burnett','kburnett@spokanecity.org','5094968629','14908 E. Olympic','Spokane Valley','WA','99216',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-24 12:11:07',NULL),(140,'Jeston Burnett','sloraboatracing@gmail.com','5097203353','14908 East Olympic Avenue','Spokane Valley','WA','99216',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-24 12:12:09',NULL),(141,'Barbara J Burkart','bobbyejeanburk@comcast.net','5099944871','2019 W Cannon Ave','Post Falls','ID','83854',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-24 17:59:38',NULL),(142,'Virginia (Jini) Huffman','jini_huffman@hotmail.com','509-710-5497','22011 N Chronicle Ln','CHATTAROY','Wa','99003',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-24 21:53:26',NULL),(143,'Samuel Smith','the3rdnehemiah@gmail.com','7033712879','1007 South F Street','Spokane','WA','99224',0,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-25 08:12:52',NULL),(144,'Rose Hulvey','rosehulvey@gmail.com','509-499-5087','1714 S. Bolivar Rd','Spokane Valley','WA','99037',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-25 10:28:26',NULL),(145,'DARLENE FOGAL','dcfog@aol.com','5094485186','17606 S Lois Dr','Cheney','WA','99004',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-25 11:45:39',NULL),(146,'Rick Fogal','rjfog@aol.com','5094485186','17606 S Lois Dr','Cheney','WA','99004',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-25 11:46:48',NULL),(147,'Shane Fogal','dynahancementz@aol.com','5094485186','17606 S Lois Dr','Cheney','WA','99004',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-25 11:47:15',NULL),(148,'Maura Kegley','dmkegs@comcast.net','509-954-7370','2418 N. Howard','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-25 16:53:07',NULL),(149,'Donna L Lenz','thekiddo@comcast.net','thekiddo@comcast.net','1012 W Woodway Ave','Spokane','WA','99218',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-25 16:54:32',NULL),(150,'Bart Logue','bart.logue@gmail.com','509-299-0953','2724 S Man O War Lane','Spokane Valley','WA','99037',0,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-25 20:28:45',NULL),(151,'Kendal','kendalwendt@gmail.com','5098638073','2718 W. Glass Ave','Spokane','Wa','99205',0,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-26 11:06:21',NULL),(152,'Zack','zharcourt@yahoo.com','5098636713','2718 W. Glass Ave','Spokane','Wa','99205',0,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-26 11:08:05',NULL),(153,'Kim','kimberlyjo68@yahoo.com','5094961588','2718 W. Glass Ave','Spokane','Wa','99205',0,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-26 11:08:48',NULL),(154,'Chris Baughn','ctbaughn92@integrity.com','509-710-6034','16811 N Mayfair Dr','Spokane','WA','99005',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-26 11:19:17',NULL),(155,'Tracy Baughn','tracybaughn@icloud.com','509-413-7342','16811 N Mayfair Dr','Spokane','WA','99005',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-26 11:20:15',NULL),(156,'Rebecca Jenkins','rebeccajenkins93@hotmail.com','509-599-6983','815 Highland St','Cheney','Wa','99004',0,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-27 08:49:17',NULL),(157,'Erin Kilgore','edkilgore52@gmail.com','5097236825','5820 W Hallett rd','Spokane','WA','99224',0,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-28 10:54:29',NULL),(158,'Michelle Hottell','michelle61868@comcast.net','5092700998','4707 N. Jefferson','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-30 08:02:57',NULL),(159,'Ezra Crooks','ezcrooks@msn.com','(509)481-1701','3611 E. 19th Ave.','Spokane','WA','99223',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-30 10:51:07',NULL),(160,'Rachael Crooks','rachcrooks@msn.com','(509)939-0273','3611 E. 19th Ave.','Spokane','WA','99223',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-30 10:52:06',NULL),(161,'Christine Haines','cvhaines@comcast.net','5094662486','10722 n Mayberry','Spokane','WA','99218',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-31 12:05:23',NULL),(162,'Robert Everman','evermanr@comcast.net','5094662486','10722 n Mayberry','Spokane','WA','99218',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-31 12:06:16',NULL),(163,'greg edgerton','pgedge69@hotmail.com','509-999-3291','4818 n. callispel','spokane','wa','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-31 18:16:18',NULL),(164,'Jon Montgomery','Jon_montgomery@outlook.com','5099947961','3490 Mountainview Road','Chewelah ','WA','99109',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-31 22:44:50',NULL),(165,'Caleb Montgomery','cjammer@outlook.com','509-951-0659','3490 Mountainview Road','Chewelah ','WA','99109',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-31 22:46:18',NULL),(166,'Belinda Montgomery','b_Montgomery@outlook.com','5099947961','3490 Mountainview Road','Chewelah ','WA','99109',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-05-31 22:46:55',NULL),(167,'Lindsey Cantelme','lydsey@gmail.com','5093895630','4930 N Pasadena Ln #104','Spokane','WA','99212',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-01 14:43:35',NULL),(168,'Virgil Stratton','budstratton@gmail.com','509-842-2454','N 5018 Howard','Spokane','Wa','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-02 07:24:44',NULL),(169,'Marie Stratton','mstratton@hotmail.com','509-220-8200','N 5018 Howard','Spokane','Wa','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-02 07:25:41',NULL),(170,'Madison Minton','mbminton1100@gmail.com','5099199047','6321 N Jensen Rd.','Spokane','WA','99217',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-03 17:30:12',NULL),(171,'Kristine Redmond','kkbconrow@comcast.net','5096256531','PO BOX 14955','Spokane Valley','WA','99214',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-05 12:10:11',NULL),(172,'Phil Schumaker','philguypi@yahoo.com','509 294-7446','4424 S Sheri Ct','Spokane','WA','99223',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-05 12:52:54',NULL),(173,'Marcus Mindermann','mmindermann@hotmail.com','5099792946','5408 N. Davis Rd.','Spokane Valley','WA','99216',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-05 18:35:37',NULL),(174,'Kimberly lukes','kimberlyconga@gmail.com','5092162699','1224 w. Riverside avenue #303','Spokane','Wa','99201',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-05 20:46:19',NULL),(175,'Chad Johnson','mr.chadjohnson@gmail.com','5098089649','3007 W Hoffman Ave','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-06 09:41:08',NULL),(176,'Kim Barbee','kimbarbee@hotmail.com','5099914605','2427 E 59th Ct','Spokane','WA','99223-8904',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-07 21:22:55',NULL),(177,'Brian Zubaugh ','bzubaugh@yahoo.com','(509)414-3115','31810 N Schwachtgen rd','Chattaroy ','Wa','99003',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-09 13:51:01',NULL),(178,'Alyson Gardner','alykatg@yahoo.com','5099910199','409 Old Dominion Rd','Colville','WA','99114',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-10 05:28:18',NULL),(179,'Donald Gardner','donaly1@icloud.com','5094752744','409 Old Dominion Rd','Colville','WA','99114',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-10 05:29:11',NULL),(180,'Amber Lynne Albrandt','amber.lynne1@gmail.com','5099513157','508 W 29TH AVE','Spokane','WA','99203',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-12 07:09:55',NULL),(181,'Bryan Albrandt','balbrandt@gmail.com','5099513157','508 W 29TH AVE','Spokane','WA','99203',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-12 07:11:00',NULL),(182,'sherryl hart','crossedhartsfarm@gmail.com','509-939-6008','25315 n orchard bluff rd','chattaroy','wa','99003',0,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-12 09:31:22',NULL),(183,'Linda Daniels','lindypepper@yahoo.com','5099813928','11221 N Morrill','Mead','Wa','99021',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-12 09:59:17',NULL),(184,'Teresa Sobosky','tresob@yahoo.com','509-979-2799','3238C E. Jumpoff Rd. ','Valley','Wa','99181',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-13 16:51:15',NULL),(185,'Steffon Sobosky','steffsob@yahoo.com','509-937-4277','3238C E. Jumpoff Rd','Valley','Wa','99181',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-13 16:53:20',NULL),(186,'Loretta Carman','lorettacarman29@gmail.com','(509) 324-1861','4824 N. Walnut','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-13 19:47:30',NULL),(187,'Vincent McNall','duckhunt42@gmail.com','5097237789','W 11104 fleming ln','Cheney','WA','99004',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-14 08:03:37',NULL),(188,'Derek Hansen','dhansenwa@outlook.com','5094961374','2319 W. Holyoke','Spokane','wa','99208',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-15 15:04:05',NULL),(189,'Alicia Hansen','alicia@prodigypro.net','5092307158','2319 W Holyoke','Spokane','wa','99208',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-15 15:43:09',NULL),(190,'Kenneth L. Davis','rockethockey@hotmail.com','509-251-2111','4210 E Carlisle','SPOKANE','WA','99217',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-15 20:53:00',NULL),(191,'Randi O\'Brien','randiobrien11@gmail.com','509-535-6123','2410 S. Park Drive','Spokane','WA','99203',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-16 06:40:23',NULL),(192,'Harmony Johnson','mrsnoodlejohnson@yahoo.com','509-475-8821','722 E Roundtable Circle','Spokane','WA','99218',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-16 09:59:54',NULL),(193,'Todd Johnson','johnsontr24@gmail.com','508-847-9951','722 E Roundtable Circle','Spokane','WA','99218',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-16 10:00:54',NULL),(194,'Terri Jones','dancingirl51@hotmail.com','5092303912','PO Box 10441','Spokane','WA','99209',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-16 10:57:51',NULL),(195,'Sam Roderick','samroderick@aol.com','509-710-1467','6015 Edgemont Rd','Spokane','WA','99217',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-19 14:58:51',NULL),(196,'Angela Burks','Knowledgeispower12@yahoo.com','5095595262','PO BOX 624','Cheney','Wa','99004',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-20 23:47:44',NULL),(197,'Danny Winterroth','jaime_pete@yahoo.com','509-484-4193','4106 East Carlisle','Spokane ','WA','99217',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-21 06:25:24',NULL),(198,'Dave Hanshaw','sewerrat1931@gmail.com','509-998-6116','14203 E Mallon','Spokane Valley','WA','99216',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 07:05:25',NULL),(199,'Marion Hess','aly@soundirrigation.com','206 817 1976','126 3rd ave N','Edmonds','WA','98020',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 07:12:26',NULL),(200,'Mal Lund','malerinz@yahoo.com','509-714-3240','6021 N Hartley','Spokane','WA','99208',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 07:14:07',NULL),(201,'Cindy Johanns','idahojohanns@gmail.com','208-659-4276','1613 W Ohio Match Rd','Rathdrum','ID','83858',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 07:14:58',NULL),(202,'Steven Allenton','stevensallenton@gmail.com','5098445804','6204 N Lincoln St','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 07:16:08',NULL),(203,'Ross Davenport','rossue1@comcast.net','509 483-0539','527 E Rich Ave','Spokane','WA','99207',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 07:19:26',NULL),(204,'harry war ','hward@spokanecity.org','625-7845','914 e northfoothills','spokane','wa','99207',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 07:28:15',NULL),(205,'Lesa Zubaugh ','firstiphonegeek@yahoo.com','(509)414-3315','31810 N Schwachtgen Rd','Chattaroy ','Wa','99003',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 07:30:15',NULL),(206,'Caitlin Keogh','caitlinkeogh96@yahoo.com','5098502584','3112 E 32nd','Spokane','WA','99223',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 07:35:44',NULL),(207,'Jacque West','jwest@spokanecity.org','5092300311','1206 W. Cliffwood Ct.','Spokane','WA','99218',0,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 07:36:50',NULL),(208,'Steve Holmes','mobileholmes23@yahoo.com','5098691454','3112 E 32nd','Spokane','WA','99223',0,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 07:38:43',NULL),(209,'LINDA CALLAHAN','Ichiro1317@comcast.net','5092701317','3624 N WASHINGTON ST','SPOKANE','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 07:48:37',NULL),(210,'Lindsy Wood','dftbacallahan@yahoo.com','5092702581','3624 N Washington','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 07:55:21',NULL),(211,'Linda Keegan','lindakeegan99208@yahoo.com','5093273422','7804 N NAPA ST','SPOKANE','WA','992178756',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 07:56:07',NULL),(212,'Linda Keegan','jkeegan99@yahoo.com','5093273422','7804 N NAPA ST','SPOKANE','WA','992178756',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 07:57:02',NULL),(213,'Michael M. Piccolo','mpiccolo@spokanecity.org','(509)625-6237','131 W. 36th Avenue','Spokane','WA','99203',0,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 08:00:32',NULL),(214,'Marion McCullough','shadowstetalth@gmail.com','5092163119','3705 W. Indian Trail RD','Spokane','WA','99208',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 08:09:09',NULL),(215,'Naomi Chester','saycheese911@gmail.com','5099220872','11016 E. 33rd Avenue','SPOKANE VALLEY','WA','99206',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 08:09:18',NULL),(216,'Sandra Decker','ksdecker@comcast.net','5093277658','5023 N Jefferson St','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 08:26:31',NULL),(217,'Karen Thornton','ksteapot@hotmail.com','15092805428','1912 E Columbia ','Spokane ','Wa','99208',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 08:36:44',NULL),(218,'Roger Crum','crcrum@comcast.net','509-363-0034','5416 S Garfield','Spokane','WA','99223',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 09:09:31',NULL),(219,'Roy Cheney','ryenehc@yahoo.com','5097106417','7218 N. Mahr Ct','Spokane','WA','99208',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 09:21:58',NULL),(220,'Ed Tomlinson','yoeddie5@yahoo.com','509-954-1354','2914 N. Cincinnati ','Spokane ','WA','99207',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 09:38:27',NULL),(221,'Kent Buck','buckk1@msn.com','208-699-9228','1075 N Shannon Ln','Post Falls','ID','83854',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 10:15:32',NULL),(222,'Carla Stamatoplos','carlastam@comcast.net','5099984406','3217 E Kasha Ct','Mead','WA','99021',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 10:24:11',NULL),(223,'Christina Crowell','crowe6@comcast.net','509 710-3412','5209 N. Vista Grande Dr','Otis Orchards','WA','99027',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 10:32:19',NULL),(224,'Roberta Davis','robinawitz@comcast.net','5094894301','4210 E. Carlisle','Spokane','WA','99217',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 10:38:08',NULL),(225,'Chelsea Alcaraz','chelseamaecrowell@gmail.com','509 723-8958','4707 E. Upriver Dr Apt U205','Spokane','WA','99217',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 10:40:48',NULL),(226,'Sarah Crowell','ellie_dreams@yahoo.com','509 768-5682','5209 N. Vista Grande Dr','Otis Orchards','WA','99027',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 10:47:23',NULL),(227,'Juan Alcaraz','peteelpistolero@gmail.com','509 380-3831','4707 E Upriver Dr Apt U205','Spokane','WA','99217',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 10:51:00',NULL),(228,'Karla Thompson','kthompson@spokanecity.org','5098793274','1104 E Heroy Ave','Spokane','WA','99207',0,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 12:39:44',NULL),(229,'Tony Rosetti','tonyrosetti@hotmail.com','208 755-4279','1665 N. Cirque Lane','Liberty Lake','WA','99016',0,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 12:42:31',NULL),(230,'Jesse jones','jjonzer69@hotmail.com','(509) 995-7369','PO Box 142128','Spokane valley','Wa','99214',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 13:40:45',NULL),(231,'Dan Green','dgreen@spokanecity.org','5099919157','3118 W. Glass Ave.','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 14:03:20',NULL),(232,'Janet  Davey','jldavey1@yahoo.com','5094751090','3111 South Bowling Road','Spokane Valley','WA','99206',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 14:46:36',NULL),(233,'David Jones','davidjonesrec@gmail.com','509-750-5637','1110 S Dahlia Dr','Moses Lake ','WA','98837',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 16:23:41',NULL),(234,'Randy W Kaiser','kaiser2dogs@earthlink.net','509-999-8969','214 s main  box 298','Deer park','wa','99006',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 18:47:50',NULL),(235,'Nathaniel','nathanbryant74@gmail.com','5092700520','3624 N Washington St','Spokane ','Wa','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-23 19:35:30',NULL),(236,'Katharine Smith','katsmile@gmail.com','5099993633','221 N 4th St','Cheney','WA','99004',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-24 08:19:47',NULL),(237,'Adam Smith','smith1a1t1@gmail.com','3605845113','221 N 4th St','Cheney','WA','99004',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-24 08:20:24',NULL),(238,'Kathy CMOS','kathycmos@yahoo.com','5096717856','92 Elmes Dr','Newport','WA','99156',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-24 11:28:25',NULL),(239,'Ronald Kusler ','kusler60@msn.com','509-220-0469','10815 E 22nd','Spokane','Wa','99206',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-24 16:55:15',NULL),(240,'Dan Daniels','dannyd110@comcast.net','5094673424','11221 N Morrill','Mead','Wa','99021',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-24 17:55:29',NULL),(241,'Susan Arnold','susanj37@comcast.net','509 710 5797','1427 W Shannon Ave','Spokane','WA','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-24 18:30:16',NULL),(242,'Linda Waali','lwaali@hotmail.com','5092920516','461 Jermain RD','Newport','WA','99156',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-24 19:29:44',NULL),(243,'Linda Gartz','camp-junky@hotmail.com','509-845-5445','828 N Mamer Rd','SPOKANE VALLEY','wa','99216',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-25 06:25:02',NULL),(244,'Bridget Lokken','Bridgetk99@msn.com','5094346761','2019 S Inland Empire Way','Spokane','WA','99224',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-25 16:33:37',NULL),(245,'Ole Lokken','Olejohn@msn.com','5094346761','2019 S Inland Empire Way','Spokane','WA','99224',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-25 16:34:00',NULL),(246,'Lauren Berry','lobes23@hotmail.com','5097140949','3408 W. Fairview','Spokane','Wa','99205',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-26 10:40:55',NULL),(247,'Douglas Brock','dbassmaneb3@gmail.com','5099397628','p.o.box 611','Colbert','Wa','99006',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-27 16:07:36',NULL),(249,'Betty Cook','kmeagley@sccu.net','509 926-5160','9810 S Darknell ','Valleyford','WA','99036',1,'2017 Mariners Ticket Giveaway',NULL,NULL,NULL,NULL,NULL,'2017-06-27 16:53:34',NULL),(261,'William Sides','teredavis51@yahoo.com','5099998542',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','1','1','2017-09-18 13:38:06','40100089510010'),(262,'don roise','droise@comcast.net','9220667',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','','2017-09-18 13:56:50','1376'),(263,'Kenneth l kelling jr','kjkell459@gmail.com','5094810110',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-09-18 16:46:53','14897'),(253,'Elizabeth 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Craig','kmcraig07@comcast.net','509-990-9196',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-09-17 18:11:58','1681'),(260,'Adam P Snodgrass','adam_snodgrass@hotmail.com','5092943679',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','1','1','2017-09-18 12:07:42','40100151690013'),(264,'Maureen Rickard','maureenrickard@aol.com','5092304500',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-09-19 13:04:27','8370'),(265,'R William Rickard','brick10314@aol.com','509 838 3352',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','','2017-09-19 13:05:17','2596'),(266,'Belinda Montgomery','b_montgomery@outlook.com','509-994-7961',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-09-19 14:35:09','4695'),(267,'Caleb Montgomery','cjammer@outlook.com','509-951-0659',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-09-19 14:35:47','12075'),(268,'Jon 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Vanwert','bradvanwert@aol.com','509 456 3224',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','1','1','','','2017-09-20 11:42:03','3298'),(275,'Loretta crockett','dlcrock5@comcast.net','5094846277',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-09-20 11:51:51','12917'),(276,'Loretta crockett','dlcrock5@hotmail.com','5094846277',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','','1','2017-09-20 11:52:51','14584'),(277,'Richard K Harvey','fearcuirnseanmhair@gmail.com','5097684245',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-09-20 11:55:23','15514'),(278,'Steven R Aschenbrenner','saschenbrenner@msn.com','5098282134',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-09-20 12:35:21','1760'),(279,'Shelley Anderson ','shelley5267@msn.com','5099988390',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-09-20 12:37:11','9990'),(280,'Lindsy 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White','amymarty143@msn.com','(509)951-4759',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-09-20 15:59:08','7879'),(287,'Martin White','martyamy143@msn.com','(509)939-7857',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-09-20 16:03:12','7879'),(288,'Chad Johnson','mr.chadjohnson@gmail.com','5098089649',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-09-20 16:36:57','13885'),(289,'Kathy Myhre','Kathymyhre22@gmail.com','5099543619',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','','1','2017-09-20 18:27:44','13065'),(290,'Diana Clave','dianeclave@ymail.com','5093272776',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','','','2017-09-20 18:34:45','14381'),(291,'Andrea L Sharps','sharpshorgan@yahoo.com','(509)624-7368',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-09-20 21:18:08','7390'),(292,'Charles G 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Montgomery','marilynj35@gmail.com','(509) 319-8287',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','1','1','','','2017-09-21 11:13:17','1059'),(297,'Tanya Hauenstein','dthauenstein@gmail.com','509-280-6411',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','','','2017-09-22 06:13:37','8770'),(298,'Thomas M. Sligar','toms_12@hotmail.com','701-770-5487',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-09-22 11:38:25','14063'),(299,'Marie Brito','Earthchild_Marie@yahoo.com','509 276 5701',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','','','','2017-09-22 19:36:19','40100094990017'),(300,'Jennifer White','boopers140@hotmail.com','5099541145',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-09-22 20:42:02','13531'),(301,'Breeona Vye-Parminter','tbr33@icloud.com','5094779083',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-09-23 16:06:40','95060026'),(302,'Francis J Heidt','fnhinspections@gmail.com','5094435212',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','1','1','2017-09-25 09:50:14','15375'),(303,'CHERYL RIDDLE','RIDDLECHERI1@GMAIL.COM','509-280-8937',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','','2017-09-25 12:19:01','15196'),(304,'PHILLIP SCHUMAKER','philguypi@yahoo.com','509 294-7446',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-09-25 18:57:49','10029'),(305,'Brendan Minton','baminton1100@gmail.com','5099199051',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-09-26 11:55:59','17323'),(306,'Adam Barber','barberadam123@gmail.com','702-374-9351',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','1','1','2017-09-27 16:53:37','40100178770012'),(307,'erin derrick','erinkim@comcast.net','5094991781',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','1','1','','','2017-09-28 13:10:08','5490'),(308,'Paul Lieske','paulkathy2@msn.com','(509) 238-9426',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','1','2017-09-29 08:20:13','14017'),(309,'Emily S Thornton','emily.sue.thornton@gmail.com','5094834444',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','1','1','2017-09-29 15:56:17','9811'),(310,'Paula Barr','debarrs@hotmail.com','(509)389-7518',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','1','2017-10-04 21:53:29','7750'),(311,'Richard L Starr Jr','rlstarr@hotmail.com','509 928-6674',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','','','','2017-10-05 11:14:54','3629'),(312,'Susie Bisson','Magoosartbydesign@hughes.net','509-863-3842',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','','2017-10-05 12:27:35','2715'),(313,'Bruce Brurud','brucenrose@outlook.com','509-768-6038',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','','2017-10-05 20:21:54','9822'),(314,'Lori Rukes','lc_duffy@cimcast.net','5098387673',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','1','1','','','2017-10-05 21:49:41','8182'),(315,'Clay Rukes','lc_duffy@comcast.net','5098387673',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','1','1','','','2017-10-05 21:50:35','8778'),(316,'ellen edwards','ellen38@comcast.net','5099982493',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-10-06 08:30:38','8302'),(317,'David Stillman','shiv001dcs@gmail.com','509-233-2978',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-10-07 08:09:16','8113'),(318,'Robert Shuman','rashuman@comcast.net','5099902839',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-10-07 08:23:57','4801'),(319,'David McMullin','cdmchorses@gmail.com','509-671-2395',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','','2017-10-07 08:54:54','8167'),(320,'Carol Hurst','purpleptcruiser2005@gmail.com','509-671-2622',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','','2017-10-07 08:56:37','8167'),(321,'Jeff Lilly','lilly2js@gmail.com','5092766011',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-10-07 09:03:47','9856'),(322,'Josh Stern','sternjosh@outlook.com','5099545810',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-10-07 09:11:13','6371'),(323,'Nadine E. Bogart','nadinemlb@charter.net','509-525-6264',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','','2017-10-07 09:35:03','2032'),(324,'Marion McCullough','shadowstetalth@gmail.com','5092163119',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','1','1','2017-10-07 09:43:54','14215'),(325,'RICHARD Schubach','pa.schubach@gmail.com','(509) 255-3874',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','','','2017-10-07 09:56:27','6491'),(326,'Doris J Smith','littlered5312@msn.com','509-480308',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','','','','2017-10-07 13:49:57','12196'),(327,'Nancy Smith','nancygaysmith512@gmail.com','5099531940',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-10-07 15:51:00','1715'),(328,'Dennis Powell ','denniscpowell@msn.com','5098696756',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-10-07 18:07:44','9454'),(329,'Briana Bradley','b55bradley@outlook.com','5092635501',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-10-07 22:00:51','17034'),(330,'Daniel Hess','djhess74@gmail.com','5098442232',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-10-07 23:59:05','14710'),(331,'James Dykes','jamesdykes70@gmail.com','5099936322',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','','','1','2017-10-08 10:49:17','10019'),(332,'Traci Russell Smith','aarontraci@gmail.com','509 868-9351',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','1','1','','1','2017-10-08 18:06:16','18043'),(333,'Sue raymon','sraymon@hotmail.com','509-821-0051',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','','2017-10-08 22:52:38','7971'),(334,'Alan B. Christiansen','abc@ezloader.com','509-233-9007',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-10-09 07:15:24','5303'),(335,'Margaret Phillips','maggie2467@yahoo.com','5099270513',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','1','2017-10-09 08:41:11','3925'),(336,'Scott Sciuchetti','sciuchetti@gmail.com','2533346709',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','1','','2017-10-09 15:07:35','5325'),(337,'Mina Somekawa','msomekaw@msn.com','509-443-3546',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','','1','2017-10-10 02:56:57','16283'),(338,'Emily yank geiger','Emmie5898@gmail.com','5094757068',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-10-10 15:16:59','14379'),(339,'Egon Stumke','goodcarspriceright@gmail.com','5099912333',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','','','','2017-10-16 16:31:46','14444'),(340,'Jeffrey l Raynor','gimpdrummer@gmail.com','509-655-3077',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','','2017-10-17 09:44:43','15481'),(341,'Harry ward','hward@spokancity.org','509-625-7845',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','1','','','','2017-10-17 10:08:49','Unknown'),(342,'Jerianne Leonetti','jerieleo@hotmail.com','5094655273',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','1','1','2017-10-17 11:15:50','8735'),(343,'Debra Herman','1benbear@gmail.com','(208) 651-7022',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-10-17 11:17:22','8943'),(344,'Ann Bailor','bailorsanr@centurylink.net','5099997386',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','','','2017-10-17 11:26:52','4592'),(345,'Michelle Hottell ','Michelle61868@comcast.net','5092700998',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','','1','2017-10-17 11:33:54','5586'),(346,'Joleen Uhlenkott','jdjcu@comcast.net','509-994-9322',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','1','2017-10-17 11:53:31','14126'),(347,'Michael Cash','mcash@spokanecity.org','509-714-5115',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','','2017-10-17 12:42:13','7452'),(348,'judith dodd','whosyomama@catlover.com','509-327-5052  ',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-10-17 13:01:09','12599'),(349,'Loretta Carman','lorettacarman29@gmail.com','509 324 1861',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','','2017-10-17 13:36:16','5573'),(350,'Crystal moore','moore2003_2@msn.com','509-280-6168',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','1','1','2017-10-17 14:18:29','9174'),(351,'Marie White','Spomada@yahoo.com','5092307814',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-10-17 15:24:42','10025'),(352,'Stephanie Huff','ugotsteph@yahoo.com','5098635350',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','','1','1','2017-10-18 03:27:27','8961'),(353,'Ellerie Easterwood','Eelleried@gmail.com','5093680845',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','','','2017-10-18 08:01:56','16080'),(354,'Luke DeRushe','malice212@hotmail.com','5092181451',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','','1','1','2017-10-18 08:23:03','9920'),(355,'Bailey Forbes','bailey.forbes1998@gmail.com','5092807648',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','1','1','2017-10-25 08:21:20','12281'),(356,'Christine Olson','paulnchris@cybernet1.com','4065469216',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','','','','2017-10-25 08:22:27','17160'),(357,'Tonya Reiss','cougar-.-mountain@hotmail.com','509-993-5494',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','1','1','2017-10-31 06:44:02','15459'),(358,'Bob Reiss','reiss11@hotmail.com','509-993-5493',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-10-31 06:45:12','15458'),(360,'Susan McKenna','suemee@q.com','509-483-6416',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-11-20 14:41:55','13369'),(361,'Irene McKenna','smckenn2468@gmail.com','509-483-6416',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-11-20 14:43:57','13437'),(362,'Norman Connolly','Normconnolly@gmail.com','5092302611',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','','2017-11-22 13:50:17','17802'),(363,'Jolene Longwill','Jolenel@kxly.com','509-808-0393',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-11-27 15:02:29','6504'),(364,'Amirah Terrells','amirah.terrells@gmail.com','(509) 217-4479',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-11-27 15:03:24','14460'),(365,'Sandra Decker','ksdecker@comcast.net','5098637532',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-11-27 15:12:12','3603'),(366,'Teresa Rickman','vtrickman@yahoo.com','5097108647',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-11-27 15:12:13','16426'),(367,'David J Payton','dpayton1979@gmail.com','5099815475',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','1','2017-11-27 15:15:46','13966'),(368,'Rich Click ','gogriz15@gmail.com','5094757528',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','1','1','2017-11-27 15:16:14','9124'),(369,'Amanda Berezay','amandalanphere@yahoo.com','509-214-3443',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','','1','2017-11-27 15:16:21','9661'),(370,'Amanda Lanphere','lanphere@yahoo.com','509-214-3443',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','','1','2017-11-27 15:16:48','9661'),(371,'Briana Beville','jfld1@hotmail.com','5099515216',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-11-27 15:17:05','6780'),(372,'Amanda Berezay','berezayal@hotmail.com','509-214-3443',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','','1','2017-11-27 15:17:27','9661'),(373,'Amanda Lanphere','alanphere@secpropres.com','509-214-3443',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','','1','2017-11-27 15:17:51','9661'),(374,'Rochelle Click','rlclick@msn.com','5094757659',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','1','1','2017-11-27 15:18:00','9124'),(375,'Alan B. Christiansen','abcezloader@icloud.com','509-233-9007',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-11-27 15:22:08','5303'),(376,'Amber Albrandt','amber.lynne1@gmail.com','5099513157',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','1','1','2017-11-27 15:30:12','12106'),(377,'Marie Stratton','mstratton@hotmail.com','5092208200',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','1','','2017-11-27 15:33:55','3999'),(378,'Kristina McGoldrick','ksmcgoldrick@gmail.com','509-995-3930',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-11-27 15:40:04','6469'),(379,'michael dewey','mdeweyfish@yahoo.com','5092804510',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','','','','2017-11-27 15:44:46','18081 s1'),(380,'lisa dewey','lisacharlene8@gmail.com','5092804510',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','','','','2017-11-27 15:46:19','18081 s1'),(381,'Donovan Aurand','daurand@spokanecity.org','5095905958',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-11-27 15:57:25','16960'),(382,'Catherine Johnson','jackcat03@gmail.com','5097420601',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-11-27 15:59:53','15205'),(383,'Ariel Goodwin','hotmoocow5@yahoo.com','5097956036',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','','1','2017-11-27 16:16:10','14506'),(384,'Jennifer Reeves','JENNIFERR@JENSENONLINE.COM','509-688-5313',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-11-27 16:31:10','15134'),(385,'Zacharee Siahpush','zsiahpush@gmail.com','5098796307',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','1','1','2017-11-27 16:31:48','14594'),(386,'Shayne Schoonover','owhatahassle@yahoo.com','(509) 362-3216',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','1','1','2017-11-27 16:36:23','14757'),(387,'Leon Sproule','cartersproule@gmail.com','5092386318',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','','2017-11-27 16:39:44','2471'),(388,'FRANK UGOLINI','opygump@aol.com','5092160783',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-11-27 17:04:09','15033'),(389,'Mary McCracken','mary_mccracken@live.com','5093622531',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','1','1','2017-11-27 17:07:05','17932'),(390,'Aaron McCracken','ajm6606@live.com','5092160194',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','1','1','2017-11-27 17:07:46','17932'),(391,'Andrew Overhauser','ao221w6@gmail.com','509.953.1999',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','1','1','2017-11-27 17:07:55','4401'),(392,'Charles D Roberts','chadorob@gmail.com','5098220932',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','1','2017-11-27 17:23:12','3867'),(393,'Ray Humphries','rayder@q.com','(509) 276-1109',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-11-27 18:05:05','6574'),(394,'MICHELLE THIES','mnspkn@gmail.com','5094999925',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','1','1','2017-11-27 19:37:30','5341'),(395,'Katharine Smith','katsmile@gmail.com','5099993633',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','1','1','2017-11-27 19:58:57','12541'),(396,'Adam Smith','smith1a1t1@gmail.com','3605845113',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-11-27 20:00:35','16518'),(397,'Alice Busch','Abusch46@yahoo.com','5099812542',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-11-27 20:17:36','5386'),(398,'TOM WELLS','spokehand@gmail.com','5092705721',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','1','2017-11-27 21:49:31','15532'),(399,'dick baker','racewalker1@comcast.net','5099242808',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','','','','2017-11-27 22:04:25','9215'),(400,'RICHARD Schubach','richard@schubach.us','(509) 255-3874',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','','','2017-11-28 03:03:13','6491'),(401,'Lynn M Cunningham','lynnmcunningham@gmail.com','5099817154',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','','2017-11-28 03:04:27','9834'),(402,'Monti Kilborn','makilborn@yahoo.com','5092165435',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-11-28 04:59:32','14088'),(403,'Dan Eaton','daneaton1982@gmail.com','5092704696',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-11-28 06:31:59','4914'),(404,'Kathy Patt','katt_patt@yahoo.com','5095993327',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','1','2017-11-28 06:39:10','6517'),(405,'Marcus Eveland','meveland@spokanecity.org','5094967448',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','1','2017-11-28 07:22:31','9182'),(406,'Lacey','laceyhinson92@gmail.com','5098441677',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','1','2017-11-28 09:06:48','13972'),(407,'Terri Jones','dancingirl51@hotmail.com','5092303912',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-11-28 09:53:14','12827'),(408,'Janice Franklin','vicjan13@comcast.net','5093285486',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','1','','2017-11-28 10:12:29','3268'),(409,'Lindsey Cantelme','lydsey@gmail.com','5093895630',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-11-28 11:02:53','17375'),(410,'Rose Hulvey','rhulvey@spokanecity.org','509-625-6235',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','','','','2017-11-28 14:16:49','17743'),(411,'Glenda Tyler-Kappen','glendatk@comcast.net','509.999.2042',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-11-29 00:35:10','15861'),(412,'RUBY DYKES','redgem4977@yahoo.com','509 534 5212',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','','2017-11-29 10:01:51','1227'),(413,'cecilia farstad','cecilia_spokane@yahoo.com','520-350-6092',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','1','','2017-11-29 10:50:14','9868'),(414,'Nicholas Rotermund','nick_rotermund@yahoo.com','707-513-8639',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','1','0','1','','','2017-11-29 11:25:36','12049'),(415,'teresa overhauser','o221w6@centurylink.net','509-235-6204',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','1','1','2017-11-29 11:45:27','4420'),(416,'Thomas Gilreath','GILREATH.HOUSE@GMAIL.COM','5094862970',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-11-29 12:07:10','3401'),(420,NULL,NULL,NULL,NULL,NULL,NULL,NULL,NULL,NULL,NULL,NULL,NULL,NULL,NULL,'2018-02-15 07:59:13',NULL),(418,'Jasone DeFilippis','jasone@q.com','5098289929',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','1','1','1','1','2017-11-30 16:24:07','16727'),(419,'Sinto Senior Activity Center','bethl@sintocenter.com','509-327-2861',NULL,NULL,NULL,NULL,NULL,'Convenience Services Entry','','0','1','','','2017-11-30 16:32:32','9115');

--
-- Table structure for table `elections_main`
--

CREATE TABLE `elections_main` (
  `id` int(3) unsigned NOT NULL AUTO_INCREMENT,
  `member_number` varchar(10) DEFAULT NULL,
  `name` varchar(150) DEFAULT NULL,
  `address` varchar(150) DEFAULT NULL,
  `city` varchar(50) DEFAULT NULL,
  `state` varchar(50) DEFAULT NULL,
  `zip` varchar(5) DEFAULT NULL,
  `email` varchar(255) DEFAULT NULL,
  `ip` varchar(20) DEFAULT NULL,
  `timestamp` timestamp NULL DEFAULT NULL,
  `board_1` int(11) DEFAULT NULL,
  `board_2` int(11) DEFAULT NULL,
  `supervisory_committee` int(11) DEFAULT NULL,
  PRIMARY KEY (`id`)
) ENGINE=MyISAM AUTO_INCREMENT=84 DEFAULT CHARSET=latin1;

--
-- Dumping data for table `elections_main`
--

INSERT INTO `elections_main` VALUES (9,'6176','Kelly Rhoads','1743 W 11th Ave','Spokane','WA','99204','cad1959@aol.com','73.169.207.228','2018-04-01 17:29:09',2,3,5),(8,'6491','Richard Schubach','P.O. Box 7251','Spokane','WA','99207','richard@schubach.us','73.239.239.162','2018-04-01 17:18:36',3,2,5),(7,'4743','Randall Reid','418 Irene Pl','Cheney','WA','99004','rsrcheney@aol.com','174.125.122.248','2018-04-01 17:15:31',2,1,5),(6,'18061','Casey Bradshaw','2833 W Hoffman','Spokane','Wa','99205','cjbradshaw82@gmail.com','67.185.135.154','2018-04-01 17:04:17',2,3,5),(10,'1760','Steven Aschenbrenner ','6710 W Sunset Frontage Rd ','Spokane ','WA','99224','saschenbrenner@msn.com','172.58.40.85','2018-04-01 17:38:45',3,2,5),(11,'8387','Dan Green','3118 W. Glass Ave','Spokane','WA','99205','dgreen@spokanecity.org','67.5.105.174','2018-04-01 18:23:34',2,3,5),(12,'5289','Ross Davenport','527 E Rich Ave','Spokane','WA','99207','rossue1@comcast.net','67.185.255.164','2018-04-01 18:59:18',3,2,5),(13,'7924','Randy Kaiser','214 s main  box 298','Deer Park','WA','99006','kaiser2dogs@earthlink.net','65.103.137.16','2018-04-01 19:16:21',3,2,5),(14,'9658','Gene Jakubczak','424 E. 16th Ave','Spokane','WA','99203','gjakubczak@yahoo.com','174.222.1.58','2018-04-01 19:35:26',3,2,5),(15,'12352','Gene Jakubczak','424 E. 16th Ave','Spokane','WA','99203','gjakubczak@yahoo.com','174.222.1.58','2018-04-01 19:36:17',3,2,5),(16,'13504','Gene Jakubczak','424 E. 16th Ave','Spokane','WA','99203','gjakubczak@yahoo.com','174.222.1.58','2018-04-01 19:36:54',3,2,5),(17,'13435','Gene Jakubczak','424 E. 16th Ave','Spokane','WA','99203','gjakubczak@yahoo.com','174.222.1.58','2018-04-01 19:37:44',3,2,5),(18,'15031','Ronald Moore','805 Gary St','Cheney','WA','99004','rsrhmoore@msn.com','72.160.185.234','2018-04-01 19:37:47',3,2,5),(19,'15065','Dave Hanshaw ','14203 E Mallon ','Spokane Valley ','WA','99216','sewerrat1931@gmail.com','174.216.27.172','2018-04-01 19:38:14',3,2,5),(20,'12548','Chuck Zigmund','5209 N Vista Grande Dr','Otis Orchards','WA','99027','Czigmund@comcast.net','67.185.254.13','2018-04-01 19:38:47',3,2,5),(21,'13549','Christina Crowell ','5209 N. Vista Grande Dr','Otis Orchards ','WA','99027','crowe6@comcast.net','67.185.254.13','2018-04-01 19:43:19',3,1,5),(22,'1992','Lon D. Skaarvold','1906 e 53rd ave','Spokane','wa','99223','lskaarvold@hotmail.com','67.168.91.116','2018-04-01 19:43:24',3,2,5),(23,'7528','Molly Jakubczak','424 E. 16th Ave','Spokane','WA','99203','mollyjK02@yahoo.com','174.222.1.58','2018-04-01 19:44:50',3,2,5),(24,'5460','Naomi Chester','11016 E. 33rd Avenue','SPOKANE VALLEY','WA','99206','saycheese911@gmail.com','67.5.124.46','2018-04-01 19:59:15',3,1,5),(25,'12849','Sam Weber','4134 South Sundown Drive','Spokane Valley','Washington','99206','sam-weber@comcast.net','12.45.39.155','2018-04-01 20:11:08',1,3,5),(26,'4610','Mary Doran','1514 w Indiana ave','Spokane','WA','99205','marydoran1514@gmail.com','172.58.47.37','2018-04-01 21:13:38',3,1,5),(27,'4592','Ann Bailor','2612 E White Pine Lane','Spokane','WA','99223','bailorsanr@centurylink.net','174.31.46.234','2018-04-01 22:01:13',3,2,5),(28,'5922','Carla Stamatoplos','3217 E Kasha Ct','Mead','WA','99021','carlastam@comcast.net','67.185.182.52','2018-04-01 22:27:15',3,2,5),(29,'6960','Larry Rayfuse','2103 E SOUTH CRESCENT AVE','Spokane','WA','99207','toddrayfuse@hotmail.com','73.59.30.23','2018-04-01 22:50:34',1,2,5),(30,'2032','Nadine E. Bogart','1210 Bryant Ave.','Walla Walla','WA','99362','nadinemlb@charter.net','97.94.18.249','2018-04-01 23:15:40',2,1,5),(31,'1862','Robert Palmer','5521C Happy Hill Rd','TumTum','WA','99034','rwpalmer4502@comcast.net','97.73.244.65','2018-04-01 23:37:01',2,3,5),(32,'5330','Barbara Beck','17823 N Boston Rd','Colbert','WA','99005','colbertlady@gmail.com','76.28.219.167','2018-04-02 00:05:00',3,1,5),(33,'1858','Brian Snipes','2705 N Crestline','Spokane','Wa','99207','bwsnipes99@gmail.com','174.237.5.192','2018-04-02 01:35:23',2,3,5),(34,'962','Gordon K. Gutterud','5303 N Argonne Lane - #15','Spokane','WA','99212','gkgutterud@msn.com','45.32.80.219','2018-04-02 03:50:24',3,2,5),(35,'5159','Harry A McLean Jr','14701 N Lynwood Drive','Spokane','WA','99208','aertram@msn.com','174.216.21.141','2018-04-02 03:51:12',3,2,5),(36,'9066','Justice Iseminger','6410 N Winston Dr.','Spokane','Wa','99208','Kaoruharu10@gmail.com','50.30.158.144','2018-04-02 05:36:24',2,3,5),(37,'5605','Sam Rodericj','6015 Edgemont Rd','Spokane','WA','99217','samroderick@aol.com','73.35.149.157','2018-04-02 14:24:12',3,2,5),(38,'8066','Michele Lesesne','723 W Euclid Ave','Spokane','WA','99205','mrlesesne@earthlink.net','198.1.40.246','2018-04-02 14:51:31',3,2,5),(39,'9182','Marcus Eveland','PO Box 1155','Deer Park','WA','99006','frdtrkfn66@gmail.com','198.1.40.246','2018-04-02 14:53:08',3,2,5),(40,'17704','Gene Fitzpatrick','161 davis lake road','usk','wa','99180','gfitzpatrick@sccu.net','50.194.60.125','2018-04-02 15:23:01',3,2,5),(41,'3948','Bert Nelson','1649 E Garland','Spokane','WA','99207','bertn@hotmail.com','73.59.29.84','2018-04-02 16:28:17',1,2,5),(42,'13619','Carolee','18503 e Dalton ave','Spokane Valley','WA','99216','Caroleebishop@gmail.com','107.77.165.1','2018-04-02 18:13:42',3,1,5),(43,'15164','Jon P Belch','27211 N North Rd','Deer Park','WA','99006','jbelch@sccu.net','50.194.60.125','2018-04-02 19:55:33',3,2,5),(44,'6620','Marilyn Fleenor','1104 S. 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Mahr Ct','Spokane','WA','99208','Ryenehc@yahoo.com','73.140.228.19','2018-04-09 15:22:37',2,3,5),(64,'15172','Paul Allan Pennie','Pobox 28035','Spokane','Wa','99228','algin7777@aol.com','97.115.141.251','2018-04-09 15:26:23',2,1,5),(65,'15165','Ginger Pennie','Pobox 28035','Spikane','Wa','99228','algin7777@aol.com','97.115.141.251','2018-04-09 15:28:31',2,1,5),(66,'9841','Lorene Butz','7444 N Wiscomb St','Spokane ','w','99208','loriebutz@comcast.net','198.1.40.246','2018-04-09 15:38:59',3,2,5),(67,'15770','Donald Brown','1224 E Glass Ave','Spokane','WA','99207','dgb1224@hotmail.com','198.1.40.246','2018-04-09 15:58:29',3,2,5),(68,'15532','Tom Wells','807 W. KNOX AVE, #1','Spokane','WA','99205','spokehand@yahoo.com','67.185.255.190','2018-04-09 15:58:24',3,2,5),(69,'3197','Connie Wahl','9008 N. Dorset Rd.','Spokane','WA','99208','cwahl@spokanecity.org','198.1.40.246','2018-04-09 16:10:59',2,3,5),(70,'4113','Michael Basinger','944 E 17th Ave','Spokane','WA','99203','reenbean4@comcast.net','73.59.28.124','2018-04-09 16:40:37',3,1,5),(71,'13840','Kathy Rice','2707 N ATLANTIC ST','Spokane','WA','99205','nanaonaharley@outlook.com','97.115.137.129','2018-04-09 16:58:12',3,2,5),(72,'2058','Kathy Meagley','621 W 27th','Spokane','WA','99203','kmeagley@sccu.net','50.194.60.125','2018-04-09 16:59:04',3,2,5),(73,'12165','Dean Treichel','12725 E 25th Ave','Spokane Valley','wa','99216','trike43@msn.com','67.171.61.153','2018-04-09 17:04:52',3,2,5),(74,'18208','Frank Heidt','4810 S Stark Ln','Spokane','WA','99206','fnhinspections@gmail.com','73.169.173.22','2018-04-09 17:29:03',1,2,5),(75,'1648','Dennis R Clute','1323 W. 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MORRILL DR.','Mead','wa','99021','dannyd110@comcast.com','73.83.4.63','2018-04-10 03:26:49',3,2,5),(81,'6404','Judy Eymont','5628 N Rambo Rd','Spokane','WA','99224','jeymont0@gmail.com','107.77.205.37','2018-04-10 07:49:45',3,2,5),(82,'17596','Theresa Stewart','9505 W Nelson Drive','Nine Mile Falls','WA','99026','tstewart9505@gmail.com','97.114.73.114','2018-04-10 13:57:58',2,3,5),(83,'4116','Stephen L. Zink','1417 S. David St.','Spokane Valley','WA','99212','steve.sandyz@yahoo.com','67.5.103.25','2018-04-10 20:16:21',2,3,5);

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-- Table structure for table `gallery_images`
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--
-- Table structure for table `gallery_main`
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--
-- Dumping data for table `gallery_main`
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--
-- Table structure for table `menu_main`
--

CREATE TABLE `menu_main` (
  `id` bigint(20) unsigned NOT NULL AUTO_INCREMENT,
  `top_menu` int(11) DEFAULT NULL,
  `parentid` int(11) DEFAULT '0',
  `name` varchar(120) DEFAULT NULL,
  `url` varchar(100) DEFAULT NULL,
  `sortorder` int(11) DEFAULT NULL,
  PRIMARY KEY (`id`)
) ENGINE=MyISAM AUTO_INCREMENT=43 DEFAULT CHARSET=latin1;

--
-- Dumping data for table `menu_main`
--

INSERT INTO `menu_main` VALUES (1,0,0,'Join SCCU','',1),(2,0,0,'Checking & Savings','',0),(3,0,0,'Loans & Credit Cards','',0),(4,0,0,'Mortgage Center','',0),(5,0,0,'Convenience Services','',0),(7,0,1,'About Us','become-a-member#about-us',2),(8,0,1,'Membership Application','become-a-member#membership-application',3),(9,0,1,'Community Involvement','become-a-member#community-involvement',4),(10,0,1,'Board, Volunteers and Employees','become-a-member#board-volunteers-employees',5),(11,0,5,'Apply Online','apply-online',1),(12,0,2,'Regular Savings','savings-accounts',1),(19,0,4,'First Mortgages','first-mortgages',1),(13,0,2,'Checking','checking-accounts',2),(14,0,2,'Money Market, IRA & Certificates','money-market-accounts',3),(15,0,0,'Youth Accounts','youth-accounts',4),(16,0,1,'Join Online','become-a-member',1),(18,0,1,'Contact Us','contact-us',6),(20,0,4,'Home Equity Lines of Credit','first-mortgages#home-equity-lines-of-credit',2),(21,0,4,'Foreclosure Help','foreclosure-assistance',3),(22,0,4,'S.A.F.E. Act Information','safe-act-information',4),(23,0,5,'Find a Surcharge-Free ATM Near You','find-a-surcharge-free-atm',2),(24,0,5,'Online Banking','online-banking',3),(25,0,5,'Bill Payer','bill-payer',4),(26,0,5,'Mobile Banking','mobile-banking',5),(27,0,5,'E-Statements','e-statements',6),(28,0,3,'Auto, Boat, RV & Motorcycle Loans','auto-boat-rv-motorcycle-loans',1),(29,0,3,'Credit Cards','credit-cards',2),(30,0,3,'Home Equity Lines of Credit','home-equity-lines-of-credit',3),(31,0,3,'Personal Lines of Credit','home-equity-lines-of-credit#personal-lines-of-credit',4),(32,0,3,'Student Loans','home-equity-lines-of-credit#student-loans',5),(33,0,3,'Skip a Payment','home-equity-lines-of-credit#skip-a-payment',6),(34,0,3,'Other Loans','home-equity-lines-of-credit#other-loans',7),(35,0,0,'Subnav (DO NOT EDIT)','',0),(36,0,35,'News & Events','news-and-events',1),(37,0,35,'Rates','rates-savings',2),(38,0,35,'Contact','contact-us',3),(39,0,35,'Forms & Info','forms-and-information',4),(40,0,35,'Disclosures','disclosures',5),(41,0,35,'About SCCU','about-us#about-us',6),(42,0,5,'Other','other-services',7);

--
-- Table structure for table `meta_main`
--

CREATE TABLE `meta_main` (
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  `longdesc` longtext,
  `keywords` longtext,
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) ENGINE=MyISAM AUTO_INCREMENT=2 DEFAULT CHARSET=latin1;

--
-- Dumping data for table `meta_main`
--

INSERT INTO `meta_main` VALUES (1,'Spokane City Credit Union','At Spokane City Credit Union, we consider it our mission to deliver exceptional, personal service to our member owners. It\'s something we take very seriously and we work hard to show our members how much we care, each and every day.','credit union, auto loan, car loan, home equity line of credit, heloc, mortgage, personal loan, credit union financing, car loan spokane, auto loan spokane, rv loan, motorcycle loan, VISA, spokane, washington',1);

--
-- Table structure for table `phpbb_auth_access`
--

CREATE TABLE `phpbb_auth_access` (
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--
-- Dumping data for table `phpbb_auth_access`
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--
-- Table structure for table `phpbb_banlist`
--

CREATE TABLE `phpbb_banlist` (
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--
-- Dumping data for table `phpbb_banlist`
--


--
-- Table structure for table `phpbb_categories`
--

CREATE TABLE `phpbb_categories` (
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--
-- Dumping data for table `phpbb_categories`
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--
-- Table structure for table `phpbb_config`
--

CREATE TABLE `phpbb_config` (
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) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_config`
--

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--
-- Table structure for table `phpbb_confirm`
--

CREATE TABLE `phpbb_confirm` (
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  `session_id` char(32) NOT NULL DEFAULT '',
  `code` char(6) NOT NULL DEFAULT '',
  PRIMARY KEY (`session_id`,`confirm_id`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_confirm`
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--
-- Table structure for table `phpbb_disallow`
--

CREATE TABLE `phpbb_disallow` (
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  PRIMARY KEY (`disallow_id`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_disallow`
--


--
-- Table structure for table `phpbb_forum_prune`
--

CREATE TABLE `phpbb_forum_prune` (
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  `prune_days` smallint(5) unsigned NOT NULL,
  `prune_freq` smallint(5) unsigned NOT NULL,
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  KEY `forum_id` (`forum_id`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_forum_prune`
--


--
-- Table structure for table `phpbb_forums`
--

CREATE TABLE `phpbb_forums` (
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  `forum_name` varchar(150) DEFAULT NULL,
  `forum_desc` text,
  `forum_status` tinyint(4) NOT NULL DEFAULT '0',
  `forum_order` mediumint(8) unsigned NOT NULL DEFAULT '1',
  `forum_posts` mediumint(8) unsigned NOT NULL DEFAULT '0',
  `forum_topics` mediumint(8) unsigned NOT NULL DEFAULT '0',
  `forum_last_post_id` mediumint(8) unsigned NOT NULL DEFAULT '0',
  `prune_next` int(11) DEFAULT NULL,
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  KEY `forum_last_post_id` (`forum_last_post_id`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_forums`
--

INSERT INTO `phpbb_forums` VALUES (1,1,'Discussion','Discussion',0,10,3,2,5,NULL,0,0,0,1,1,1,1,3,3,1,1,3),(2,1,'New Business','',0,20,1,1,2,NULL,0,0,0,1,1,1,1,3,3,1,1,0),(3,2,'Policy','',0,10,0,0,0,NULL,0,0,0,1,1,1,1,3,3,1,1,0);

--
-- Table structure for table `phpbb_groups`
--

CREATE TABLE `phpbb_groups` (
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  `group_moderator` mediumint(8) NOT NULL DEFAULT '0',
  `group_single_user` tinyint(1) NOT NULL DEFAULT '1',
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  KEY `group_single_user` (`group_single_user`)
) ENGINE=MyISAM AUTO_INCREMENT=5 DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_groups`
--

INSERT INTO `phpbb_groups` VALUES (1,1,'Anonymous','Personal User',0,1),(2,1,'Admin','Personal User',0,1),(4,0,'admins','',2,0);

--
-- Table structure for table `phpbb_posts`
--

CREATE TABLE `phpbb_posts` (
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  `poster_ip` char(8) NOT NULL,
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  `enable_bbcode` tinyint(1) NOT NULL DEFAULT '1',
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  `enable_smilies` tinyint(1) NOT NULL DEFAULT '1',
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  KEY `topic_id` (`topic_id`),
  KEY `poster_id` (`poster_id`),
  KEY `post_time` (`post_time`)
) ENGINE=MyISAM AUTO_INCREMENT=6 DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_posts`
--

INSERT INTO `phpbb_posts` VALUES (2,2,2,2,1200342832,'42c18b91','',1,0,1,0,NULL,0),(3,3,1,2,1369854510,'ce3f414b','',1,0,1,0,NULL,0),(4,4,1,2,1369854546,'ce3f414b','',1,0,1,0,NULL,0),(5,4,1,2,1369854581,'ce3f414b','',1,0,1,0,NULL,0);

--
-- Table structure for table `phpbb_posts_text`
--

CREATE TABLE `phpbb_posts_text` (
  `post_id` mediumint(8) unsigned NOT NULL DEFAULT '0',
  `bbcode_uid` char(10) NOT NULL DEFAULT '',
  `post_subject` char(60) DEFAULT NULL,
  `post_text` text,
  PRIMARY KEY (`post_id`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_posts_text`
--

INSERT INTO `phpbb_posts_text` VALUES (2,'0b4b2dd70b','Test','test'),(3,'3a16076d88','Test','Just a test'),(4,'4e75619a3c','Test2','Another Test'),(5,'a6ca8d07b4','Reply to Test','nhquoxgukgbsq');

--
-- Table structure for table `phpbb_privmsgs`
--

CREATE TABLE `phpbb_privmsgs` (
  `privmsgs_id` mediumint(8) unsigned NOT NULL AUTO_INCREMENT,
  `privmsgs_type` tinyint(4) NOT NULL DEFAULT '0',
  `privmsgs_subject` varchar(255) NOT NULL DEFAULT '0',
  `privmsgs_from_userid` mediumint(8) NOT NULL DEFAULT '0',
  `privmsgs_to_userid` mediumint(8) NOT NULL DEFAULT '0',
  `privmsgs_date` int(11) NOT NULL DEFAULT '0',
  `privmsgs_ip` char(8) NOT NULL,
  `privmsgs_enable_bbcode` tinyint(1) NOT NULL DEFAULT '1',
  `privmsgs_enable_html` tinyint(1) NOT NULL DEFAULT '0',
  `privmsgs_enable_smilies` tinyint(1) NOT NULL DEFAULT '1',
  `privmsgs_attach_sig` tinyint(1) NOT NULL DEFAULT '1',
  PRIMARY KEY (`privmsgs_id`),
  KEY `privmsgs_from_userid` (`privmsgs_from_userid`),
  KEY `privmsgs_to_userid` (`privmsgs_to_userid`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_privmsgs`
--


--
-- Table structure for table `phpbb_privmsgs_text`
--

CREATE TABLE `phpbb_privmsgs_text` (
  `privmsgs_text_id` mediumint(8) unsigned NOT NULL DEFAULT '0',
  `privmsgs_bbcode_uid` char(10) NOT NULL DEFAULT '0',
  `privmsgs_text` text,
  PRIMARY KEY (`privmsgs_text_id`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_privmsgs_text`
--


--
-- Table structure for table `phpbb_ranks`
--

CREATE TABLE `phpbb_ranks` (
  `rank_id` smallint(5) unsigned NOT NULL AUTO_INCREMENT,
  `rank_title` varchar(50) NOT NULL,
  `rank_min` mediumint(8) NOT NULL DEFAULT '0',
  `rank_special` tinyint(1) DEFAULT '0',
  `rank_image` varchar(255) DEFAULT NULL,
  PRIMARY KEY (`rank_id`)
) ENGINE=MyISAM AUTO_INCREMENT=2 DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_ranks`
--

INSERT INTO `phpbb_ranks` VALUES (1,'Site Admin',-1,1,NULL);

--
-- Table structure for table `phpbb_search_results`
--

CREATE TABLE `phpbb_search_results` (
  `search_id` int(11) unsigned NOT NULL DEFAULT '0',
  `session_id` char(32) NOT NULL DEFAULT '',
  `search_time` int(11) NOT NULL DEFAULT '0',
  `search_array` mediumtext NOT NULL,
  PRIMARY KEY (`search_id`),
  KEY `session_id` (`session_id`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_search_results`
--

INSERT INTO `phpbb_search_results` VALUES (1348805093,'d1e55ed06fc82634aefaa32435da8740',1406323978,'a:7:{s:14:\"search_results\";s:4:\"2, 3\";s:17:\"total_match_count\";i:2;s:12:\"split_search\";N;s:7:\"sort_by\";i:0;s:8:\"sort_dir\";s:4:\"DESC\";s:12:\"show_results\";s:6:\"topics\";s:12:\"return_chars\";i:200;}'),(699753023,'19b46cbfa3a554a3a17af86768fcedc7',1406321364,'a:7:{s:14:\"search_results\";s:10:\"2, 3, 4, 5\";s:17:\"total_match_count\";i:4;s:12:\"split_search\";N;s:7:\"sort_by\";i:0;s:8:\"sort_dir\";s:4:\"DESC\";s:12:\"show_results\";s:5:\"posts\";s:12:\"return_chars\";i:200;}');

--
-- Table structure for table `phpbb_search_wordlist`
--

CREATE TABLE `phpbb_search_wordlist` (
  `word_text` varchar(50) CHARACTER SET latin1 COLLATE latin1_bin NOT NULL DEFAULT '',
  `word_id` mediumint(8) unsigned NOT NULL AUTO_INCREMENT,
  `word_common` tinyint(1) unsigned NOT NULL DEFAULT '0',
  PRIMARY KEY (`word_text`),
  KEY `word_id` (`word_id`)
) ENGINE=MyISAM AUTO_INCREMENT=18 DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_search_wordlist`
--

INSERT INTO `phpbb_search_wordlist` VALUES ('phpbb',3,0),('test',13,0),('another',14,0),('test2',15,0),('nhquoxgukgbsq',16,0),('reply',17,0);

--
-- Table structure for table `phpbb_search_wordmatch`
--

CREATE TABLE `phpbb_search_wordmatch` (
  `post_id` mediumint(8) unsigned NOT NULL DEFAULT '0',
  `word_id` mediumint(8) unsigned NOT NULL DEFAULT '0',
  `title_match` tinyint(1) NOT NULL DEFAULT '0',
  KEY `post_id` (`post_id`),
  KEY `word_id` (`word_id`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_search_wordmatch`
--

INSERT INTO `phpbb_search_wordmatch` VALUES (2,13,1),(2,13,0),(3,13,0),(3,13,1),(4,14,0),(4,13,0),(4,15,1),(5,16,0),(5,17,1),(5,13,1);

--
-- Table structure for table `phpbb_sessions`
--

CREATE TABLE `phpbb_sessions` (
  `session_id` char(32) NOT NULL DEFAULT '',
  `session_user_id` mediumint(8) NOT NULL DEFAULT '0',
  `session_start` int(11) NOT NULL DEFAULT '0',
  `session_time` int(11) NOT NULL DEFAULT '0',
  `session_ip` char(8) NOT NULL DEFAULT '0',
  `session_page` int(11) NOT NULL DEFAULT '0',
  `session_logged_in` tinyint(1) NOT NULL DEFAULT '0',
  `session_admin` tinyint(2) NOT NULL DEFAULT '0',
  PRIMARY KEY (`session_id`),
  KEY `session_user_id` (`session_user_id`),
  KEY `session_id_ip_user_id` (`session_id`,`session_ip`,`session_user_id`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_sessions`
--

INSERT INTO `phpbb_sessions` VALUES ('1fb7bd42158a409da6ac5d84bc9244ed',-1,1407260706,1407260904,'ce3f414b',0,0,0);

--
-- Table structure for table `phpbb_sessions_keys`
--

CREATE TABLE `phpbb_sessions_keys` (
  `key_id` varchar(32) NOT NULL DEFAULT '0',
  `user_id` mediumint(8) NOT NULL DEFAULT '0',
  `last_ip` varchar(8) NOT NULL DEFAULT '0',
  `last_login` int(11) NOT NULL DEFAULT '0',
  PRIMARY KEY (`key_id`,`user_id`),
  KEY `last_login` (`last_login`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_sessions_keys`
--


--
-- Table structure for table `phpbb_smilies`
--

CREATE TABLE `phpbb_smilies` (
  `smilies_id` smallint(5) unsigned NOT NULL AUTO_INCREMENT,
  `code` varchar(50) DEFAULT NULL,
  `smile_url` varchar(100) DEFAULT NULL,
  `emoticon` varchar(75) DEFAULT NULL,
  PRIMARY KEY (`smilies_id`)
) ENGINE=MyISAM AUTO_INCREMENT=43 DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_smilies`
--

INSERT INTO `phpbb_smilies` VALUES (1,':D','icon_biggrin.gif','Very Happy'),(2,':-D','icon_biggrin.gif','Very Happy'),(3,':grin:','icon_biggrin.gif','Very Happy'),(4,':)','icon_smile.gif','Smile'),(5,':-)','icon_smile.gif','Smile'),(6,':smile:','icon_smile.gif','Smile'),(7,':(','icon_sad.gif','Sad'),(8,':-(','icon_sad.gif','Sad'),(9,':sad:','icon_sad.gif','Sad'),(10,':o','icon_surprised.gif','Surprised'),(11,':-o','icon_surprised.gif','Surprised'),(12,':eek:','icon_surprised.gif','Surprised'),(13,':shock:','icon_eek.gif','Shocked'),(14,':?','icon_confused.gif','Confused'),(15,':-?','icon_confused.gif','Confused'),(16,':???:','icon_confused.gif','Confused'),(17,'8)','icon_cool.gif','Cool'),(18,'8-)','icon_cool.gif','Cool'),(19,':cool:','icon_cool.gif','Cool'),(20,':lol:','icon_lol.gif','Laughing'),(21,':x','icon_mad.gif','Mad'),(22,':-x','icon_mad.gif','Mad'),(23,':mad:','icon_mad.gif','Mad'),(24,':P','icon_razz.gif','Razz'),(25,':-P','icon_razz.gif','Razz'),(26,':razz:','icon_razz.gif','Razz'),(27,':oops:','icon_redface.gif','Embarassed'),(28,':cry:','icon_cry.gif','Crying or Very sad'),(29,':evil:','icon_evil.gif','Evil or Very Mad'),(30,':twisted:','icon_twisted.gif','Twisted Evil'),(31,':roll:','icon_rolleyes.gif','Rolling Eyes'),(32,':wink:','icon_wink.gif','Wink'),(33,';)','icon_wink.gif','Wink'),(34,';-)','icon_wink.gif','Wink'),(35,':!:','icon_exclaim.gif','Exclamation'),(36,':?:','icon_question.gif','Question'),(37,':idea:','icon_idea.gif','Idea'),(38,':arrow:','icon_arrow.gif','Arrow'),(39,':|','icon_neutral.gif','Neutral'),(40,':-|','icon_neutral.gif','Neutral'),(41,':neutral:','icon_neutral.gif','Neutral'),(42,':mrgreen:','icon_mrgreen.gif','Mr. Green');

--
-- Table structure for table `phpbb_themes`
--

CREATE TABLE `phpbb_themes` (
  `themes_id` mediumint(8) unsigned NOT NULL AUTO_INCREMENT,
  `template_name` varchar(30) NOT NULL DEFAULT '',
  `style_name` varchar(30) NOT NULL DEFAULT '',
  `head_stylesheet` varchar(100) DEFAULT NULL,
  `body_background` varchar(100) DEFAULT NULL,
  `body_bgcolor` varchar(6) DEFAULT NULL,
  `body_text` varchar(6) DEFAULT NULL,
  `body_link` varchar(6) DEFAULT NULL,
  `body_vlink` varchar(6) DEFAULT NULL,
  `body_alink` varchar(6) DEFAULT NULL,
  `body_hlink` varchar(6) DEFAULT NULL,
  `tr_color1` varchar(6) DEFAULT NULL,
  `tr_color2` varchar(6) DEFAULT NULL,
  `tr_color3` varchar(6) DEFAULT NULL,
  `tr_class1` varchar(25) DEFAULT NULL,
  `tr_class2` varchar(25) DEFAULT NULL,
  `tr_class3` varchar(25) DEFAULT NULL,
  `th_color1` varchar(6) DEFAULT NULL,
  `th_color2` varchar(6) DEFAULT NULL,
  `th_color3` varchar(6) DEFAULT NULL,
  `th_class1` varchar(25) DEFAULT NULL,
  `th_class2` varchar(25) DEFAULT NULL,
  `th_class3` varchar(25) DEFAULT NULL,
  `td_color1` varchar(6) DEFAULT NULL,
  `td_color2` varchar(6) DEFAULT NULL,
  `td_color3` varchar(6) DEFAULT NULL,
  `td_class1` varchar(25) DEFAULT NULL,
  `td_class2` varchar(25) DEFAULT NULL,
  `td_class3` varchar(25) DEFAULT NULL,
  `fontface1` varchar(50) DEFAULT NULL,
  `fontface2` varchar(50) DEFAULT NULL,
  `fontface3` varchar(50) DEFAULT NULL,
  `fontsize1` tinyint(4) DEFAULT NULL,
  `fontsize2` tinyint(4) DEFAULT NULL,
  `fontsize3` tinyint(4) DEFAULT NULL,
  `fontcolor1` varchar(6) DEFAULT NULL,
  `fontcolor2` varchar(6) DEFAULT NULL,
  `fontcolor3` varchar(6) DEFAULT NULL,
  `span_class1` varchar(25) DEFAULT NULL,
  `span_class2` varchar(25) DEFAULT NULL,
  `span_class3` varchar(25) DEFAULT NULL,
  `img_size_poll` smallint(5) unsigned DEFAULT NULL,
  `img_size_privmsg` smallint(5) unsigned DEFAULT NULL,
  PRIMARY KEY (`themes_id`)
) ENGINE=MyISAM AUTO_INCREMENT=2 DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_themes`
--

INSERT INTO `phpbb_themes` VALUES (1,'subSilver','subSilver','subSilver.css','','D2D1B5','000000','934900','934900','','DD6900','EFEFEF','DEE3E7','D1D7DC','','','','98AAB1','006699','FFFFFF','cellpic1.gif','cellpic3.gif','cellpic2.jpg','FAFAFA','FFFFFF','','row1','row2','','Verdana, Arial, Helvetica, sans-serif','Trebuchet MS','Courier, \'Courier New\', sans-serif',10,11,12,'444444','006600','FFFFFF','','','',NULL,NULL);

--
-- Table structure for table `phpbb_themes_name`
--

CREATE TABLE `phpbb_themes_name` (
  `themes_id` smallint(5) unsigned NOT NULL DEFAULT '0',
  `tr_color1_name` char(50) DEFAULT NULL,
  `tr_color2_name` char(50) DEFAULT NULL,
  `tr_color3_name` char(50) DEFAULT NULL,
  `tr_class1_name` char(50) DEFAULT NULL,
  `tr_class2_name` char(50) DEFAULT NULL,
  `tr_class3_name` char(50) DEFAULT NULL,
  `th_color1_name` char(50) DEFAULT NULL,
  `th_color2_name` char(50) DEFAULT NULL,
  `th_color3_name` char(50) DEFAULT NULL,
  `th_class1_name` char(50) DEFAULT NULL,
  `th_class2_name` char(50) DEFAULT NULL,
  `th_class3_name` char(50) DEFAULT NULL,
  `td_color1_name` char(50) DEFAULT NULL,
  `td_color2_name` char(50) DEFAULT NULL,
  `td_color3_name` char(50) DEFAULT NULL,
  `td_class1_name` char(50) DEFAULT NULL,
  `td_class2_name` char(50) DEFAULT NULL,
  `td_class3_name` char(50) DEFAULT NULL,
  `fontface1_name` char(50) DEFAULT NULL,
  `fontface2_name` char(50) DEFAULT NULL,
  `fontface3_name` char(50) DEFAULT NULL,
  `fontsize1_name` char(50) DEFAULT NULL,
  `fontsize2_name` char(50) DEFAULT NULL,
  `fontsize3_name` char(50) DEFAULT NULL,
  `fontcolor1_name` char(50) DEFAULT NULL,
  `fontcolor2_name` char(50) DEFAULT NULL,
  `fontcolor3_name` char(50) DEFAULT NULL,
  `span_class1_name` char(50) DEFAULT NULL,
  `span_class2_name` char(50) DEFAULT NULL,
  `span_class3_name` char(50) DEFAULT NULL,
  PRIMARY KEY (`themes_id`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_themes_name`
--

INSERT INTO `phpbb_themes_name` VALUES (1,'The lightest row colour','The medium row color','The darkest row colour','','','','Border round the whole page','Outer table border','Inner table border','Silver gradient picture','Blue gradient picture','Fade-out gradient on index','Background for quote boxes','All white areas','','Background for topic posts','2nd background for topic posts','','Main fonts','Additional topic title font','Form fonts','Smallest font size','Medium font size','Normal font size (post body etc)','Quote & copyright text','Code text colour','Main table header text colour','','','');

--
-- Table structure for table `phpbb_topics`
--

CREATE TABLE `phpbb_topics` (
  `topic_id` mediumint(8) unsigned NOT NULL AUTO_INCREMENT,
  `forum_id` smallint(8) unsigned NOT NULL DEFAULT '0',
  `topic_title` char(60) NOT NULL,
  `topic_poster` mediumint(8) NOT NULL DEFAULT '0',
  `topic_time` int(11) NOT NULL DEFAULT '0',
  `topic_views` mediumint(8) unsigned NOT NULL DEFAULT '0',
  `topic_replies` mediumint(8) unsigned NOT NULL DEFAULT '0',
  `topic_status` tinyint(3) NOT NULL DEFAULT '0',
  `topic_vote` tinyint(1) NOT NULL DEFAULT '0',
  `topic_type` tinyint(3) NOT NULL DEFAULT '0',
  `topic_first_post_id` mediumint(8) unsigned NOT NULL DEFAULT '0',
  `topic_last_post_id` mediumint(8) unsigned NOT NULL DEFAULT '0',
  `topic_moved_id` mediumint(8) unsigned NOT NULL DEFAULT '0',
  PRIMARY KEY (`topic_id`),
  KEY `forum_id` (`forum_id`),
  KEY `topic_moved_id` (`topic_moved_id`),
  KEY `topic_status` (`topic_status`),
  KEY `topic_type` (`topic_type`)
) ENGINE=MyISAM AUTO_INCREMENT=5 DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_topics`
--

INSERT INTO `phpbb_topics` VALUES (2,2,'Test',2,1200342832,1471,0,0,0,0,2,2,0),(3,1,'Test',2,1369854510,1157,0,0,0,0,3,3,0),(4,1,'Test2',2,1369854546,826,1,0,0,0,4,5,0);

--
-- Table structure for table `phpbb_topics_watch`
--

CREATE TABLE `phpbb_topics_watch` (
  `topic_id` mediumint(8) unsigned NOT NULL DEFAULT '0',
  `user_id` mediumint(8) NOT NULL DEFAULT '0',
  `notify_status` tinyint(1) NOT NULL DEFAULT '0',
  KEY `topic_id` (`topic_id`),
  KEY `user_id` (`user_id`),
  KEY `notify_status` (`notify_status`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_topics_watch`
--


--
-- Table structure for table `phpbb_user_group`
--

CREATE TABLE `phpbb_user_group` (
  `group_id` mediumint(8) NOT NULL DEFAULT '0',
  `user_id` mediumint(8) NOT NULL DEFAULT '0',
  `user_pending` tinyint(1) DEFAULT NULL,
  KEY `group_id` (`group_id`),
  KEY `user_id` (`user_id`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_user_group`
--

INSERT INTO `phpbb_user_group` VALUES (1,-1,0),(2,2,0),(4,2,0);

--
-- Table structure for table `phpbb_users`
--

CREATE TABLE `phpbb_users` (
  `user_id` mediumint(8) NOT NULL,
  `user_active` tinyint(1) DEFAULT '1',
  `username` varchar(25) NOT NULL,
  `user_password` varchar(32) NOT NULL,
  `user_session_time` int(11) NOT NULL DEFAULT '0',
  `user_session_page` smallint(5) NOT NULL DEFAULT '0',
  `user_lastvisit` int(11) NOT NULL DEFAULT '0',
  `user_regdate` int(11) NOT NULL DEFAULT '0',
  `user_level` tinyint(4) DEFAULT '0',
  `user_posts` mediumint(8) unsigned NOT NULL DEFAULT '0',
  `user_timezone` decimal(5,2) NOT NULL DEFAULT '0.00',
  `user_style` tinyint(4) DEFAULT NULL,
  `user_lang` varchar(255) DEFAULT NULL,
  `user_dateformat` varchar(14) NOT NULL DEFAULT 'd M Y H:i',
  `user_new_privmsg` smallint(5) unsigned NOT NULL DEFAULT '0',
  `user_unread_privmsg` smallint(5) unsigned NOT NULL DEFAULT '0',
  `user_last_privmsg` int(11) NOT NULL DEFAULT '0',
  `user_login_tries` smallint(5) unsigned NOT NULL DEFAULT '0',
  `user_last_login_try` int(11) NOT NULL DEFAULT '0',
  `user_emailtime` int(11) DEFAULT NULL,
  `user_viewemail` tinyint(1) DEFAULT NULL,
  `user_attachsig` tinyint(1) DEFAULT NULL,
  `user_allowhtml` tinyint(1) DEFAULT '1',
  `user_allowbbcode` tinyint(1) DEFAULT '1',
  `user_allowsmile` tinyint(1) DEFAULT '1',
  `user_allowavatar` tinyint(1) NOT NULL DEFAULT '1',
  `user_allow_pm` tinyint(1) NOT NULL DEFAULT '1',
  `user_allow_viewonline` tinyint(1) NOT NULL DEFAULT '1',
  `user_notify` tinyint(1) NOT NULL DEFAULT '1',
  `user_notify_pm` tinyint(1) NOT NULL DEFAULT '0',
  `user_popup_pm` tinyint(1) NOT NULL DEFAULT '0',
  `user_rank` int(11) DEFAULT '0',
  `user_avatar` varchar(100) DEFAULT NULL,
  `user_avatar_type` tinyint(4) NOT NULL DEFAULT '0',
  `user_email` varchar(255) DEFAULT NULL,
  `user_icq` varchar(15) DEFAULT NULL,
  `user_website` varchar(100) DEFAULT NULL,
  `user_from` varchar(100) DEFAULT NULL,
  `user_sig` text,
  `user_sig_bbcode_uid` char(10) DEFAULT NULL,
  `user_aim` varchar(255) DEFAULT NULL,
  `user_yim` varchar(255) DEFAULT NULL,
  `user_msnm` varchar(255) DEFAULT NULL,
  `user_occ` varchar(100) DEFAULT NULL,
  `user_interests` varchar(255) DEFAULT NULL,
  `user_actkey` varchar(32) DEFAULT NULL,
  `user_newpasswd` varchar(32) DEFAULT NULL,
  PRIMARY KEY (`user_id`),
  KEY `user_session_time` (`user_session_time`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_users`
--

INSERT INTO `phpbb_users` VALUES (-1,0,'Anonymous','',0,0,0,1197312425,0,0,0.00,NULL,'','',0,0,0,0,0,NULL,0,0,1,1,1,1,0,1,0,1,0,NULL,'',0,'','','','','',NULL,'','','','','','',''),(2,1,'administrator','f6d9bae6df51518e0a57e8e1d30c3bec',1369854703,0,1369854642,1197312425,1,4,0.00,1,'english','d M Y h:i a',0,0,1369853472,3,1406913163,NULL,1,0,0,1,1,1,1,1,0,1,1,1,'',0,'teras@ilinkadv.com','','','','',NULL,'','','','','','','');

--
-- Table structure for table `phpbb_vote_desc`
--

CREATE TABLE `phpbb_vote_desc` (
  `vote_id` mediumint(8) unsigned NOT NULL AUTO_INCREMENT,
  `topic_id` mediumint(8) unsigned NOT NULL DEFAULT '0',
  `vote_text` text NOT NULL,
  `vote_start` int(11) NOT NULL DEFAULT '0',
  `vote_length` int(11) NOT NULL DEFAULT '0',
  PRIMARY KEY (`vote_id`),
  KEY `topic_id` (`topic_id`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_vote_desc`
--


--
-- Table structure for table `phpbb_vote_results`
--

CREATE TABLE `phpbb_vote_results` (
  `vote_id` mediumint(8) unsigned NOT NULL DEFAULT '0',
  `vote_option_id` tinyint(4) unsigned NOT NULL DEFAULT '0',
  `vote_option_text` varchar(255) NOT NULL,
  `vote_result` int(11) NOT NULL DEFAULT '0',
  KEY `vote_option_id` (`vote_option_id`),
  KEY `vote_id` (`vote_id`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_vote_results`
--


--
-- Table structure for table `phpbb_vote_voters`
--

CREATE TABLE `phpbb_vote_voters` (
  `vote_id` mediumint(8) unsigned NOT NULL DEFAULT '0',
  `vote_user_id` mediumint(8) NOT NULL DEFAULT '0',
  `vote_user_ip` char(8) NOT NULL,
  KEY `vote_id` (`vote_id`),
  KEY `vote_user_id` (`vote_user_id`),
  KEY `vote_user_ip` (`vote_user_ip`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_vote_voters`
--


--
-- Table structure for table `phpbb_words`
--

CREATE TABLE `phpbb_words` (
  `word_id` mediumint(8) unsigned NOT NULL AUTO_INCREMENT,
  `word` char(100) NOT NULL,
  `replacement` char(100) NOT NULL,
  PRIMARY KEY (`word_id`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;

--
-- Dumping data for table `phpbb_words`
--


--
-- Table structure for table `rates_main`
--

CREATE TABLE `rates_main` (
  `id` bigint(20) unsigned NOT NULL AUTO_INCREMENT,
  `parentid` bigint(50) DEFAULT NULL,
  `name` varchar(120) DEFAULT NULL,
  `name2` varchar(120) DEFAULT NULL,
  `name3` varchar(120) DEFAULT NULL,
  `longdesc` longtext,
  `longdesc2` longtext,
  `longdesc3` longtext,
  `sort` bigint(20) unsigned DEFAULT NULL,
  PRIMARY KEY (`id`)
) ENGINE=MyISAM AUTO_INCREMENT=183 DEFAULT CHARSET=latin1;

--
-- Dumping data for table `rates_main`
--

INSERT INTO `rates_main` VALUES (1,0,'Savings Rates',NULL,NULL,'',NULL,NULL,NULL),(2,0,'Loan Rates','','','We offer a variety of home loan programs and affordable rates. Please call for current rates.','','',0),(3,1,'Holiday Savings Club','','','','','',1),(4,1,'Regular Share (Savings)','','','','','',2),(5,3,'NOMINAL DIVIDEND RATE','','','.50%','','',1),(6,3,'ANNUAL PERCENTAGE YIELD (APY)','','','.50%','','',2),(7,0,'Todays SCCU Deposit Rates',NULL,NULL,'Annual Percentage Yield (APY)',NULL,NULL,NULL),(8,7,'Certificates of Deposit',NULL,NULL,'.25% - .50%','','',3),(9,7,'Regular Shares (Savings)',NULL,NULL,'.05% - .15%','','',1),(11,0,'Today\'s Loan Rates',NULL,NULL,'Annual Percentage Rates as low as',NULL,NULL,NULL),(12,11,'VISA Classic',NULL,NULL,'8.99%','','',5),(13,11,'Autos & Motorcycles',NULL,NULL,'3.09%','','',1),(14,11,'Home Equity',NULL,NULL,'3.99%','','',3),(15,3,'DIVIDEND CALCULATION','','','Earned Daily','','',4),(16,3,'DIVIDEND POSTED','','','Last Day of Month','','',5),(17,3,'PENALTY FOR CLOSING PRIOR TO NOVEMBER 1ST','','','$10.00','','',6),(18,3,'ENROLLMENT PERIOD','','','December 1st - February 28th','','',7),(19,3,'ADDITIONAL DEPOSITS REQUIRED BY PAYROLL DEDUCTION/AFT','','','Minimum $20 monthly deposit required','','',8),(20,3,'MATURITY','','','The 1st business day of November the balance will transfer to a designated account.','','',9),(21,3,'MAXIMUM DEPOSIT','','','$5,000.00','','',10),(22,3,'MINIMUM OPENING BALANCE','','','$25.00','','',3),(23,4,'DIVIDEND RATE','','','.05%','.10%','.15%',4),(24,4,'ANNUAL PERCENTAGE YIELD (APY)','','','.05%','.10%','.15%',5),(25,4,'MINIMUM OPENING BALANCE','','','$5.00','$1,000.00','$5,000.00',1),(26,4,'MINIMUM BALANCE REQUIRED','','','$5.00-$999.99','$1,000.00-$4,900.00','$5,000.00',2),(27,4,'MINIMUM BALANCE TO EARN STATED APY','','','$5.00','$1,000.00','$5,000.00',3),(28,4,'DIVIDEND COMPOUNDED AND CREDITED','','','Quarterly','Quarterly','Quarterly',6),(29,4,'DIVIDEND PERIOD','','','Quarterly','Quarterly','',7),(120,165,'PERCENT FINANCED',NULL,NULL,'80% loan-to-value ratio','','',1),(121,165,'INTEREST RATE *',NULL,NULL,'as low as 3.99% (3)','','',2),(122,165,'FIXED & ADJUSTABLE RATE TERMS',NULL,NULL,'Fixed the first 5 years then adjustable after (3)','','',3),(123,165,'TERMS',NULL,NULL,'up to 120 months**','','',4),(124,0,'Mobile Homes - Single Wide',NULL,NULL,'','','',11),(125,124,'PERCENT FINANCED',NULL,NULL,'75%','','',1),(40,1,'Preferred Share Investment (PSI) and Money market Accounts','','','','','',4),(38,7,'Preferred Shares (PSI)',NULL,NULL,'.10%-.30%','','',2),(41,1,'Individual Retirement Account (Traditional, Roth and Coverdell Education Savings Account)','','','','','',5),(43,42,'PERCENT FINANCED','PERCENT FINANCED','','100% plus tax and license','','',2),(44,42,'INTEREST RATE *','INTEREST RATE *','','As low as 2.74%*','','',3),(45,42,'FIXED RATE APR *','FIXED RATE APR *','','As low as 2.74%*','','',4),(46,42,'TERMS','TERMS','','Up to 72 months','','',1),(126,124,'INTEREST RATE *',NULL,NULL,'9.75%','','',2),(47,40,'PSI Balance','PSI Balance','PSI Balance','$5,000-$24,999.99','$25,000-$49,999.99','$50,000',1),(48,40,'NOMINAL DIVIDEND RATE','NOMINAL DIVIDEND RATE','NOMINAL DIVIDEND RATE','.10%','.20%','.30%',2),(49,40,'ANNUAL PERCENTAGE YIELD','ANNUAL PERCENTAGE YIELD','ANNUAL PERCENTAGE YIELD','.10%','.20%','.30%',3),(50,40,'MINIMUM BALANCE','MINIMUM BALANCE','MINIMUM BALANCE','$5,000.00','$25,000.00','$50,000.00',4),(51,40,'DIVIDEND CALCULATION','DIVIDEND CALCULATION','DIVIDEND CALCULATION','Earned Daily','Earned Daily','Earned Daily',5),(52,40,'DIVIDEND POSTED','DIVIDEND POSTED','DIVIDEND POSTED','Last Day of Month','Last Day of Month','Last Day of Month',6),(53,40,'PENALTY','PENALTY','PENALTY','If closed prior to month end, dividend is forfeited','If closed prior to month end, dividend is forfeited','If closed prior to month end, dividend is forfeited',7),(54,41,'DIVIDEND RATE','','','.25%','','',1),(55,41,'ANNUAL PERCENTAGE YIELD (APY)','','','.25%','','',2),(56,41,'MINIMUM OPENING BALANCE','','','$50.00','','',3),(57,41,'MINIMUM BALANCE REQUIRED','','','$50.00','','',4),(58,41,'MINIMUM BALANCE TO EARN STATED APY','','','$50.00','','',5),(59,41,'DIVIDEND COMPOUNDED AND CREDITED','','','Quarterly','','',6),(60,41,'DIVIDEND PERIOD','','','Quarterly','','',7),(61,1,'Term Share Certificates and Individual Retirement Accounts invested as Term Share Certificates','','','','','',6),(62,61,'DIVIDEND RATE','DIVIDEND RATE','','6 month... .25%<br>12 month... .35%<br>24 month... .45%','6 month... .30%<br>12 month... .40%<br>24 month... .50%','',4),(63,61,'ANNUAL PERCENTAGE YIELD (APY)','ANNUAL PERCENTAGE YIELD (APY)','','6 month... .25%<br>12 month... .35%<br>24 month... .45%','6 month... .30%<br>12 month... .40%<br>24 month.. .50%','',5),(64,61,'MINIMUM OPENING BALANCE','MINIMUM OPENING BALANCE','','$1,000.00','$25,000.00','',3),(65,61,'MINIMUM BALANCE REQUIRED','MINIMUM BALANCE REQUIRED','','$1,000.00','$25,000.00','',2),(66,61,'MINIMUM BALANCE TO EARN STATED APY','MINIMUM BALANCE TO EARN STATED APY','','$1,000.00','$25,000.00','',3),(67,61,'DIVIDEND COMPOUNDED AND CREDITED','DIVIDEND COMPOUNDED AND CREDITED','','Monthly','Monthly','',6),(68,61,'DIVIDEND PERIOD','DIVIDEND PERIOD','','Monthly','Monthly','',7),(69,61,'*Additional deposits permitted ($500 minimum each deposit)','','','','','',8),(70,61,'*Bump up feature (one time option to increase the rate during the term to an equivalent SCCU term share certificate)','','','','','',9),(71,1,'CU Succeed Certificate (for our young members)','','','','','',7),(72,71,'DIVIDEND RATE','','','12 month... .35%','','',1),(73,71,'ANNUAL PERCENTAGE YIELD (APY)','','','12 month... .35%','','',2),(74,71,'MINIMUM OPENING BALANCE','','','$100.00','','',3),(75,71,'MINIMUM REQUIRED MONTHLY DEPOSIT','','','$10.00','','',4),(76,71,'DIVIDEND CALCULATION','','','Earned Daily','','',5),(77,71,'DIVIDEND POSTED','','','Monthly','','',6),(78,71,'PENALTY','','','90 Days Accrued/Paid Dividends','','',7),(79,71,'MAXIMUM CERTIFICATE','','','$25,000.00','','',8),(80,2,'<i>Effective January 1, 2014</i> (Subject to change without notice)','','','','','',0),(81,2,'Autos up to 5 years old','','','','','',1),(82,81,'TERMS','TERMS','','Up to 78 months','Up to 84 months','',1),(83,81,'PERCENT FINANCED','PERCENT FINANCED','','100% plus tax and license','100% plus tax and license','',5),(84,81,'INTEREST RATE *','INTEREST RATE *','','As low as 3.33%','As low as 3.33%','',3),(85,81,'FIXED RATE APR *','FIXED RATE APR *','','As low as <span class=\"rate\">3.33%</span>','As low as <span class=\"rate\">3.33%</span>','',2),(86,2,'Autos 6 years and older','','','','','',2),(87,86,'TERMS','TERMS','','Up to 78 months','Up to 84 months','',1),(88,86,'PERCENT FINANCED','PERCENT FINANCED','','100% plus tax and license','100% plus tax and license','',5),(89,86,'INTEREST RATE *','INTEREST RATE *','','As low as 3.33%','As low as 3.33%','',3),(90,86,'FIXED RATE APR *','FIXED RATE APR *','','As low as 3.33%','As low as 3.33%','',2),(91,2,'New and Used Motorcycles, ATV\'s, Snowmobiles','','','','','',3),(92,91,'TERMS','TERMS','','Up to 78 months','Up to 84 months','',1),(93,91,'PERCENT FINANCED','PERCENT FINANCED','','100% plus tax and license','100% plus tax and license','',5),(94,91,'INTEREST RATE *','INTEREST RATE *','','As low as 3.33%','As low as 3.99%','',3),(95,91,'FIXED RATE APR *','FIXED RATE APR *','','As low as 3.33%','As low as 3.99%','',2),(97,96,'TERMS','TERMS','','Up to 144 months','Up to 144 months (2)','',1),(98,96,'PERCENT FINANCED','PERCENT FINANCED','','20% down plus tax and license','100% plus tax and license','',2),(99,96,'INTEREST RATE *','INTEREST RATE *','','As low as 3.99%*','As low as 4.99%*','',3),(100,96,'FIXED RATE APR *','FIXED RATE APR *','','As low as 3.99%*','As low as 4.99%*','',4),(101,2,'New & Used Boats and RVs','','','<i>Flexible down payment requirements. Other rates and terms available for boats and RV\'s over 10 years old</i>','','',5),(102,101,'PERCENT FINANCED **','','','100% plus tax and license','100% plus tax and license','100% plus tax and license',5),(103,101,'INTEREST RATE *','','','As low as 4.33%','As low as 4.33%','As low as 4.49%',3),(104,101,'FIXED RATE APR *','','','As low as <span class=\"rate\">4.33%</span>','As low as <span class=\"rate\">4.33%</span>','As low as <span class=\"rate\">4.99%</span>',2),(106,101,'TERMS','','','Up to 60 months','Up to 84 months','Up to 180 months',1),(108,107,'TERMS','','','Up to 36 months','Up to 78 months','',1),(109,107,'PERCENT FINANCED','PERCENT FINANCED','','100% plus tax and license','100% plus tax and license','',2),(110,107,'INTEREST RATE *','INTEREST RATE *','','As low as 1.99%*','As low as 2.74%*','',3),(111,107,'FIXED RATE APR *','FIXED RATE APR *','','As low as 1.99%*','As low as 2.74%*','',3),(113,112,'PERCENT FINANCED **','','','20% down plus tax and license','100% plus tax and license','',1),(114,112,'INTEREST RATE *','','','As low as 3.99%*','As low as 4.99%*','',2),(115,112,'FIXED RATE APR *','','','As low as 3.99%*','As low as 4.99%*','',3),(116,112,'ADJUSTABLE RATE TERMS','','','Baloon Feature','','',4),(117,112,'TERMS','','','Up to 144 months','Up to 144 months','',5),(119,2,'Home Equity Line of Credit',NULL,NULL,'','','',9),(127,124,'ADJUSTABLE RATE TERMS',NULL,NULL,'Balloon Feature','','',3),(128,124,'TERMS',NULL,NULL,'up to 120 months for single wides','','',4),(129,0,'Mobile Homes - Double and Triple Wide',NULL,NULL,'','','',12),(130,129,'PERCENT FINANCED',NULL,NULL,'80%','','',1),(131,129,'INTEREST RATE *',NULL,NULL,'9.75%','','',2),(132,129,'ADJUSTABLE RATE TERMS',NULL,NULL,'Baloon Feature','','',3),(133,129,'TERMS',NULL,NULL,'up to 240 months for double or triple wides','','',4),(134,0,'Manufactured Homes',NULL,NULL,'','','',13),(135,134,'PERCENT FINANCED',NULL,NULL,'80%','','',1),(136,134,'INTEREST RATE *',NULL,NULL,'9.75%','','',2),(137,134,'ADJUSTABLE RATE TERMS',NULL,NULL,'Balloon Feature','','',3),(138,134,'TERMS',NULL,NULL,'up to 240 months for double or triple wides','','',4),(139,2,'Signature Line of Credit Loans',NULL,NULL,'','','',14),(140,139,'INTEREST RATE *',NULL,NULL,'As low as 9.90%','','',1),(141,139,'FIXED APR *',NULL,NULL,'As low as 9.90%','','',2),(142,139,'TERMS',NULL,NULL,'up to 48 months','','',3),(143,2,'Share Secured Loans',NULL,NULL,'','','',15),(144,143,'PERCENT FINANCED',NULL,NULL,'100% of regular share balance','','',1),(145,143,'INTEREST RATE *',NULL,NULL,'As low as 3.00%','','',2),(146,143,'FIXED RATE APR *',NULL,NULL,'As low as 3.00%','','',3),(147,143,'TERMS',NULL,NULL,'120 months','','',4),(148,2,'Classic VISA',NULL,NULL,'','','',7),(149,148,'INTEREST RATE *',NULL,NULL,'8.99%','','',1),(150,148,'FIXED RATE APR *',NULL,NULL,'8.99%','','',2),(151,148,'TERMS',NULL,NULL,'Payment is 3% of loan balance, minimum of $20.00.','','',3),(152,148,'ANNUAL FEE',NULL,NULL,'$12.00','','',4),(153,2,'Diamond VISA',NULL,NULL,'','','',6),(154,153,'INTEREST RATE *',NULL,NULL,'8.99%','','',1),(155,153,'FIXED RATE APR *',NULL,NULL,'8.99%','','',2),(157,153,'TERMS',NULL,NULL,'Payment is 3% of loan balance, minimum of $20.00.','','',3),(158,1,'<i>Effective May 1, 2013</i> (Subject to change without notice)',NULL,NULL,'','','',0),(159,11,'Boats and RV\'s',NULL,NULL,'2.99%','','',2),(160,7,'Holiday Savings Club',NULL,NULL,'.50%','','',5),(161,7,'IRA (Traditional & Roth)',NULL,NULL,'.25%','','',4),(162,11,'Signature Loans',NULL,NULL,'9.90%','','',4),(166,119,'PERCENT FINANCED',NULL,NULL,'80% loan-to-value ratio','','',1),(164,80,'',NULL,NULL,'','','',10),(165,2,'5 Year Fixed Home Equity Line of Credit',NULL,NULL,'','','',8),(167,119,'INTEREST RATE*',NULL,NULL,'as low as 5.99% (3)','','',2),(168,119,'ADJUSTABLE RATE TERMS',NULL,NULL,'Adjustable rate (3)','','',3),(169,119,'TERMS',NULL,NULL,'up to 180 months**','','',4),(176,107,'MINIMUM DOWNPAYMENT',NULL,NULL,'','','',2),(177,107,'MINIMUM DOWN PAYMENT',NULL,NULL,'','','',2),(178,101,'MINIMUM LOAN AMOUNT',NULL,NULL,'None','$15,000','$25,000',4),(179,91,'MINIMUM LOAN AMOUNT',NULL,NULL,'$15,000 (on 78 mo. term only)','$25,000','',4),(180,81,'MINIMUM LOAN AMOUNT',NULL,NULL,'$15,000 (for 78 mo. terms only)','$25,000','',4),(181,86,'MINIMUM LOAN AMOUNT',NULL,NULL,'$15,000 (on 78 mo. term only)','$25,000','',4),(182,153,'ANNUAL FEE',NULL,NULL,'No Annual Fee','','',4);

--
-- Table structure for table `ticker_main`
--

CREATE TABLE `ticker_main` (
  `id` bigint(20) unsigned NOT NULL AUTO_INCREMENT,
  `locationid` bigint(20) unsigned DEFAULT '0',
  `name` varchar(240) DEFAULT NULL,
  `url` varchar(240) DEFAULT NULL,
  PRIMARY KEY (`id`)
) ENGINE=MyISAM AUTO_INCREMENT=62 DEFAULT CHARSET=latin1;

--
-- Dumping data for table `ticker_main`
--

INSERT INTO `ticker_main` VALUES (44,0,'Is your mortgage with your credit union?  Click here for more details about purchasing or refinancing your home with SCCU.','http://spokaneccu.mortgagewebcenter.com/Default.asp?bhcp=1'),(56,0,'Prepare your little ones for a bright future with a CU Succeed Savings Account.... just for kids!','https://www.sccu.net/content.php?id=102'),(54,0,'Carefree Auto Loans... as low as 2.99% APR. Looking for that new car, truck or SUV? Be sure to swing in to SCCU first to eliminate the hassle of financing at the Dealership. Getting pre-approved helps you focus on getting the best deal.','https://www.sccu.net/content.php?id=70#Auto Loans'),(61,0,'Heading to College this Fall? Let Us Help','https://www.sccu.net/content.php?id=93');



