FALL 2013 Newsletter - electel.org · FALL 2013 Newsletter News and Events for ElecTel Cooperative...
4
COOPERATIVE FEDERAL CREDIT UNION • • • • • • • • • • • • • • •••••••• • • • • • • • • • • • • • • • • •• • • • •• Just in time for the holidays: f~tloM fl"oM P IA~MU\"k. for an entire month! Vis-i-f- M~ or\lir\~ A+ www.electelccu.org f o~ f~ll J~Ails-. FALL 2013 Newsletter News and Events for ElecTel Cooperative Federal Credit Union Members Page 1: Skip-A-Pay | Page 2: Letter from the CEO; Honeybaked Ham Giveaway Page 3: Know Your Money Psychology Style | Page 4: Current Rates; Holiday Closings
Transcript of FALL 2013 Newsletter - electel.org · FALL 2013 Newsletter News and Events for ElecTel Cooperative...
COOPERATIVE FEDERAL CREDIT UNION
bull bull bull bull bull bull bull bull bull bull bull bull bull bull bullbullbullbullbullbullbullbull bull bull bull bull bull bull bull bull bull bull bull bull bull bull bull bull bull bull bull bull bull bullbull
Just in time for the holidays
f~tloM floM P IA~MUk for an entire month
Vis-i-f-M~ orlir~ A+ wwwelectelccuorg
f o~ f~ll J~Ails-
FALL 2013 Newsletter News and Events for ElecTel Cooperative Federal Credit Union Members
Page 1 Skip-A-Pay | Page 2 Letter from the CEO Honeybaked Ham Giveaway Page 3 Know Your Money Psychology Style | Page 4 Current Rates Holiday Closings
Letter from the CEO Tough itrsquos only October wersquore starting to get in the holiday mood around the ElecTel Cooperative ofce Te holly isnrsquot hung and Christmas music isnrsquot playing yet But we know that within the next few weeks yoursquore going to be thinking about Christmas joy and expenses as well
Tis year wersquore ofering you several ways to help keep your Christmas expenses in check
1 If yoursquove been saving money in your ElecTel Christmas Club account throughout the year those funds will be dispersed on October 18th just in time to get a head start on your shopping If you did not open a Christmas Club account this year be sure to open one for 2014 today and start saving You decide how much you save and itrsquos an easy way to have cash in hand for holiday expenses instead of turning to your credit card
2 Te ElecTel Cooperative Holiday Skip-A-Pay is back You can choose to skip loan payments in November or December You can use the money you would have used for your loan payment on your holiday expenses Look for more details about the Holiday Skip-A-Pay in this newsletter or at our website wwwelectelccuorg
3 If all else fails turn to your ElecTel Cooperative VISAreg Chances are if there are a few cards in your wallet or purse the interest rate on your ElecTel VISAreg is less than your other cards At least when you get your statement in January you wonrsquot have sticker shock
Wersquore looking forward to the cooler air and holiday festivities that the next few months will bring And as always we look forward to helping make the holidays for your family very merry
Christmas Club Notice Disbursements from your Christmas Club accounts will be made on October 18th If you have requested to have funds mailed to you please make sure that we have your correct address on fle Readyhellip Sethellip SHOP
Annual HoneyBaked Ham Giveaway Register to win one of the four Honeybaked Hams that wersquoll be giving away this year It will be delivered to your home just in time for Thanksgiving You can complete the form below and mail it back to the credit union
The deadline to register is 500pm on November 7th Winners will be selected on November 8th
Name
Address
City State Zip
Phone Email
Mail your completed entry form to Or fax your completed entry form to ElecTel Cooperative FCU ElecTel Cooperative FCU at PO Box 27306 9198768018 Raleigh NC 27611
Know Your Money Psychology Style We all make decisions with our money at one point or another that donrsquot work out for the best Itrsquos just inevitable But if you fnd yourself falling into patterns of behavior that lead to negative fnancial consequences it could be time to examine a little more closely how you make these choices
Experts who study how people make money decisions have identifed certain psychological styles for doing so While no onersquos behavior is ever completely encapsulated in a simple description see if any of the below profles sounds like you and if so how that impacts what you do with your money Te Over-Giver Uses monetary gifs to express feelings and connect with people In some cases this person may give gifs to others and neglect their own needs Te Soothing Spender Treats money as a tool for self-medicating through difcult times May make a lot of rash spending decisions that lead to negative feelings later Te Status Seeker Makes money choices based on how it will appear to others and to boost their own self-esteem Engages in ldquokeeping up with the Jonesrdquo behavior to their own detriment Te Bargain Maven Gets a thrill out of fnding discounts whether the product is needed or not Derives satisfaction not from having a sound fnancial plan in place but the emotional boost they get from landing a deal Te Denier Tries to avoid difcult money issues in the hope that things will ldquojust sort of work outrdquo Te Risk-Taker Always on the lookout for a get-rich-quick scheme like the lottery or highly speculative investments Lacks patience and looks for shortcuts at the expense of prolonged security Te Hedonist Sees money as a way to maximize pleasure right now instead of planning for the future Te Controller Uses money as a way to gain control over people or their own circumstances Sees money as a way to gain a feeling of safety Te Striver Constantly looks for ways to improve fnancial standing for self and for family May believe that with money comes power Goal oriented Te Victim Financial problems are always someone elsersquos fault Te system is ldquoriggedrdquo against them Te Ultra-Conservative Is afraid of losing money and opportunities for growth are sometimes lost because of it May be overly afected by events from their earlier life that cause them to not want any risk in their fnancial afairs Te Prudent Manager Actively saves money looks to future and avoids emotional money decisions Seeks out opportunities to expand knowledge and is realistic about strengths and weaknesses
No one can ever expect you to be perfect but think about which of these styles your money decisions fall into and which category you would like to be in going forward
If it helps the next time you make a purchase or other money decision you end up regretting ask yourself what emotions fed into that choice Being able to identify these feelings will help you fnd better ways to deal with those situations and put you in greater power over your fnancial life
aa
Investment Rates Loan Rates Account Minimum Dividend Rate APY Loan Type Term Fixed APR Max APR Savings $25 10 10 Signature Loan Up to 12 months As low as 67 1295
13-24 months As low as 10 1625Special Savings $10 10 10 25-36 months As low as 12 1795Checking $500 05 05 37-48 months As low as 13 1795Money Market $500 25 25
Christmas Club $10 10 10 VISAreg Platinum As low as 990 1790 IRA Savings $10 10 10 New Auto Up to 36 months As low as 199 974 IRA Money Market $500 25 25 37-48 months As low as 199 1024
(Annual Percentage Yield) 49-60 months As low as 199 1024($500 minimum average daily balance to earn interest) 61-72 months As low as 199 1220
Share Certificate finance of $25k min 73-84 months As low as 599 1300
90-day $1000 25 25 Used Auto (Model Year)
180-day $1000 30 30 2003 amp Older Up to 24 months As low as 199 974
12 month $500 30 30 2004-2012 25-36 months As low as 199 974
24 month $500 50 50 2006-2012 37-48 months As low as 199 1024
36 month $500 80 80 2009-2012 49-60 months As low as 199 1024 2011-2012 61-72 months As low as 199 1220
IRA Share Certificate 2013 $25k min 73-84 months As low as 599 1300 (vehicles with over 100k miles can only be financed for up to 36 months)90-day $1000 35 35
180-day $1000 40 40 RV Watercraft Up to 72 months 595 1220Motorcycles12 month $500 40 40
finance of $30k min 73-120 months 795 1395 24 month $500 60 60
Lawn Garden amp 36 month $500 129 130 Up to 60 months 890Farm Equipment
All dividends are compounded daily amp posted monthly Early withdrawal subject to Other Collateral Up to 60 months 890 penalty on share certificates amp IRA share certificates
Share Secured Up to 60 months 225
HELP Line of Credit Up to 90 LTV 425 Variable APR
(Annual Percentage Rate)
Contact ElecTel for more information about rates amp fees
Main Ofce Piedmont EMC Branch 3400 Sumner Blvd Raleigh NC 27616p 8008495600f 9198768018
2500 Highway 86 SouthHillsborough NC 27278p 8774690255f 9197321918
Energy Smart Up to 60 months 399
Home Equity Loans (Equity Wise up to 100 LTV)
Up to 60 months 725
61-84 months 750
85-120 months 795
121-180 months 850
Financial Condition (as of 08-2013) Assets
Roxboro Branch Audio Response - Starline 1125 Oxford Road p 8882740253Roxboro NC 27573 p 3365036700f 3365036752 wwwelectelccuorg
Loans to Members (net allowance for loan loss) 27385143 Cash 5228490 Investment CDrsquos 6946000 NCUSIF Dep 338724 FCCCU Capial 305715 Net Fixed Assets 25096 Other Assets 682869
Total Assets 40912038
Holiday Closings Tanksgiving Christmas Day Tursday Nov 28 Wednesday Dec 25 Friday Nov 29
Liabilities and Equity Total Liabilities 242236 Share Accounts 23119381 CDrsquos 13299758 Regular Reserves 1138804 Undivided Earnings 2928694 Net Income 183166
Total Liabilities amp Equity 40912038
Letter from the CEO Tough itrsquos only October wersquore starting to get in the holiday mood around the ElecTel Cooperative ofce Te holly isnrsquot hung and Christmas music isnrsquot playing yet But we know that within the next few weeks yoursquore going to be thinking about Christmas joy and expenses as well
Tis year wersquore ofering you several ways to help keep your Christmas expenses in check
1 If yoursquove been saving money in your ElecTel Christmas Club account throughout the year those funds will be dispersed on October 18th just in time to get a head start on your shopping If you did not open a Christmas Club account this year be sure to open one for 2014 today and start saving You decide how much you save and itrsquos an easy way to have cash in hand for holiday expenses instead of turning to your credit card
2 Te ElecTel Cooperative Holiday Skip-A-Pay is back You can choose to skip loan payments in November or December You can use the money you would have used for your loan payment on your holiday expenses Look for more details about the Holiday Skip-A-Pay in this newsletter or at our website wwwelectelccuorg
3 If all else fails turn to your ElecTel Cooperative VISAreg Chances are if there are a few cards in your wallet or purse the interest rate on your ElecTel VISAreg is less than your other cards At least when you get your statement in January you wonrsquot have sticker shock
Wersquore looking forward to the cooler air and holiday festivities that the next few months will bring And as always we look forward to helping make the holidays for your family very merry
Christmas Club Notice Disbursements from your Christmas Club accounts will be made on October 18th If you have requested to have funds mailed to you please make sure that we have your correct address on fle Readyhellip Sethellip SHOP
Annual HoneyBaked Ham Giveaway Register to win one of the four Honeybaked Hams that wersquoll be giving away this year It will be delivered to your home just in time for Thanksgiving You can complete the form below and mail it back to the credit union
The deadline to register is 500pm on November 7th Winners will be selected on November 8th
Name
Address
City State Zip
Phone Email
Mail your completed entry form to Or fax your completed entry form to ElecTel Cooperative FCU ElecTel Cooperative FCU at PO Box 27306 9198768018 Raleigh NC 27611
Know Your Money Psychology Style We all make decisions with our money at one point or another that donrsquot work out for the best Itrsquos just inevitable But if you fnd yourself falling into patterns of behavior that lead to negative fnancial consequences it could be time to examine a little more closely how you make these choices
Experts who study how people make money decisions have identifed certain psychological styles for doing so While no onersquos behavior is ever completely encapsulated in a simple description see if any of the below profles sounds like you and if so how that impacts what you do with your money Te Over-Giver Uses monetary gifs to express feelings and connect with people In some cases this person may give gifs to others and neglect their own needs Te Soothing Spender Treats money as a tool for self-medicating through difcult times May make a lot of rash spending decisions that lead to negative feelings later Te Status Seeker Makes money choices based on how it will appear to others and to boost their own self-esteem Engages in ldquokeeping up with the Jonesrdquo behavior to their own detriment Te Bargain Maven Gets a thrill out of fnding discounts whether the product is needed or not Derives satisfaction not from having a sound fnancial plan in place but the emotional boost they get from landing a deal Te Denier Tries to avoid difcult money issues in the hope that things will ldquojust sort of work outrdquo Te Risk-Taker Always on the lookout for a get-rich-quick scheme like the lottery or highly speculative investments Lacks patience and looks for shortcuts at the expense of prolonged security Te Hedonist Sees money as a way to maximize pleasure right now instead of planning for the future Te Controller Uses money as a way to gain control over people or their own circumstances Sees money as a way to gain a feeling of safety Te Striver Constantly looks for ways to improve fnancial standing for self and for family May believe that with money comes power Goal oriented Te Victim Financial problems are always someone elsersquos fault Te system is ldquoriggedrdquo against them Te Ultra-Conservative Is afraid of losing money and opportunities for growth are sometimes lost because of it May be overly afected by events from their earlier life that cause them to not want any risk in their fnancial afairs Te Prudent Manager Actively saves money looks to future and avoids emotional money decisions Seeks out opportunities to expand knowledge and is realistic about strengths and weaknesses
No one can ever expect you to be perfect but think about which of these styles your money decisions fall into and which category you would like to be in going forward
If it helps the next time you make a purchase or other money decision you end up regretting ask yourself what emotions fed into that choice Being able to identify these feelings will help you fnd better ways to deal with those situations and put you in greater power over your fnancial life
aa
Investment Rates Loan Rates Account Minimum Dividend Rate APY Loan Type Term Fixed APR Max APR Savings $25 10 10 Signature Loan Up to 12 months As low as 67 1295
13-24 months As low as 10 1625Special Savings $10 10 10 25-36 months As low as 12 1795Checking $500 05 05 37-48 months As low as 13 1795Money Market $500 25 25
Christmas Club $10 10 10 VISAreg Platinum As low as 990 1790 IRA Savings $10 10 10 New Auto Up to 36 months As low as 199 974 IRA Money Market $500 25 25 37-48 months As low as 199 1024
(Annual Percentage Yield) 49-60 months As low as 199 1024($500 minimum average daily balance to earn interest) 61-72 months As low as 199 1220
Share Certificate finance of $25k min 73-84 months As low as 599 1300
90-day $1000 25 25 Used Auto (Model Year)
180-day $1000 30 30 2003 amp Older Up to 24 months As low as 199 974
12 month $500 30 30 2004-2012 25-36 months As low as 199 974
24 month $500 50 50 2006-2012 37-48 months As low as 199 1024
36 month $500 80 80 2009-2012 49-60 months As low as 199 1024 2011-2012 61-72 months As low as 199 1220
IRA Share Certificate 2013 $25k min 73-84 months As low as 599 1300 (vehicles with over 100k miles can only be financed for up to 36 months)90-day $1000 35 35
180-day $1000 40 40 RV Watercraft Up to 72 months 595 1220Motorcycles12 month $500 40 40
finance of $30k min 73-120 months 795 1395 24 month $500 60 60
Lawn Garden amp 36 month $500 129 130 Up to 60 months 890Farm Equipment
All dividends are compounded daily amp posted monthly Early withdrawal subject to Other Collateral Up to 60 months 890 penalty on share certificates amp IRA share certificates
Share Secured Up to 60 months 225
HELP Line of Credit Up to 90 LTV 425 Variable APR
(Annual Percentage Rate)
Contact ElecTel for more information about rates amp fees
Main Ofce Piedmont EMC Branch 3400 Sumner Blvd Raleigh NC 27616p 8008495600f 9198768018
2500 Highway 86 SouthHillsborough NC 27278p 8774690255f 9197321918
Energy Smart Up to 60 months 399
Home Equity Loans (Equity Wise up to 100 LTV)
Up to 60 months 725
61-84 months 750
85-120 months 795
121-180 months 850
Financial Condition (as of 08-2013) Assets
Roxboro Branch Audio Response - Starline 1125 Oxford Road p 8882740253Roxboro NC 27573 p 3365036700f 3365036752 wwwelectelccuorg
Loans to Members (net allowance for loan loss) 27385143 Cash 5228490 Investment CDrsquos 6946000 NCUSIF Dep 338724 FCCCU Capial 305715 Net Fixed Assets 25096 Other Assets 682869
Total Assets 40912038
Holiday Closings Tanksgiving Christmas Day Tursday Nov 28 Wednesday Dec 25 Friday Nov 29
Liabilities and Equity Total Liabilities 242236 Share Accounts 23119381 CDrsquos 13299758 Regular Reserves 1138804 Undivided Earnings 2928694 Net Income 183166
Total Liabilities amp Equity 40912038
Know Your Money Psychology Style We all make decisions with our money at one point or another that donrsquot work out for the best Itrsquos just inevitable But if you fnd yourself falling into patterns of behavior that lead to negative fnancial consequences it could be time to examine a little more closely how you make these choices
Experts who study how people make money decisions have identifed certain psychological styles for doing so While no onersquos behavior is ever completely encapsulated in a simple description see if any of the below profles sounds like you and if so how that impacts what you do with your money Te Over-Giver Uses monetary gifs to express feelings and connect with people In some cases this person may give gifs to others and neglect their own needs Te Soothing Spender Treats money as a tool for self-medicating through difcult times May make a lot of rash spending decisions that lead to negative feelings later Te Status Seeker Makes money choices based on how it will appear to others and to boost their own self-esteem Engages in ldquokeeping up with the Jonesrdquo behavior to their own detriment Te Bargain Maven Gets a thrill out of fnding discounts whether the product is needed or not Derives satisfaction not from having a sound fnancial plan in place but the emotional boost they get from landing a deal Te Denier Tries to avoid difcult money issues in the hope that things will ldquojust sort of work outrdquo Te Risk-Taker Always on the lookout for a get-rich-quick scheme like the lottery or highly speculative investments Lacks patience and looks for shortcuts at the expense of prolonged security Te Hedonist Sees money as a way to maximize pleasure right now instead of planning for the future Te Controller Uses money as a way to gain control over people or their own circumstances Sees money as a way to gain a feeling of safety Te Striver Constantly looks for ways to improve fnancial standing for self and for family May believe that with money comes power Goal oriented Te Victim Financial problems are always someone elsersquos fault Te system is ldquoriggedrdquo against them Te Ultra-Conservative Is afraid of losing money and opportunities for growth are sometimes lost because of it May be overly afected by events from their earlier life that cause them to not want any risk in their fnancial afairs Te Prudent Manager Actively saves money looks to future and avoids emotional money decisions Seeks out opportunities to expand knowledge and is realistic about strengths and weaknesses
No one can ever expect you to be perfect but think about which of these styles your money decisions fall into and which category you would like to be in going forward
If it helps the next time you make a purchase or other money decision you end up regretting ask yourself what emotions fed into that choice Being able to identify these feelings will help you fnd better ways to deal with those situations and put you in greater power over your fnancial life
aa
Investment Rates Loan Rates Account Minimum Dividend Rate APY Loan Type Term Fixed APR Max APR Savings $25 10 10 Signature Loan Up to 12 months As low as 67 1295
13-24 months As low as 10 1625Special Savings $10 10 10 25-36 months As low as 12 1795Checking $500 05 05 37-48 months As low as 13 1795Money Market $500 25 25
Christmas Club $10 10 10 VISAreg Platinum As low as 990 1790 IRA Savings $10 10 10 New Auto Up to 36 months As low as 199 974 IRA Money Market $500 25 25 37-48 months As low as 199 1024
(Annual Percentage Yield) 49-60 months As low as 199 1024($500 minimum average daily balance to earn interest) 61-72 months As low as 199 1220
Share Certificate finance of $25k min 73-84 months As low as 599 1300
90-day $1000 25 25 Used Auto (Model Year)
180-day $1000 30 30 2003 amp Older Up to 24 months As low as 199 974
12 month $500 30 30 2004-2012 25-36 months As low as 199 974
24 month $500 50 50 2006-2012 37-48 months As low as 199 1024
36 month $500 80 80 2009-2012 49-60 months As low as 199 1024 2011-2012 61-72 months As low as 199 1220
IRA Share Certificate 2013 $25k min 73-84 months As low as 599 1300 (vehicles with over 100k miles can only be financed for up to 36 months)90-day $1000 35 35
180-day $1000 40 40 RV Watercraft Up to 72 months 595 1220Motorcycles12 month $500 40 40
finance of $30k min 73-120 months 795 1395 24 month $500 60 60
Lawn Garden amp 36 month $500 129 130 Up to 60 months 890Farm Equipment
All dividends are compounded daily amp posted monthly Early withdrawal subject to Other Collateral Up to 60 months 890 penalty on share certificates amp IRA share certificates
Share Secured Up to 60 months 225
HELP Line of Credit Up to 90 LTV 425 Variable APR
(Annual Percentage Rate)
Contact ElecTel for more information about rates amp fees
Main Ofce Piedmont EMC Branch 3400 Sumner Blvd Raleigh NC 27616p 8008495600f 9198768018
2500 Highway 86 SouthHillsborough NC 27278p 8774690255f 9197321918
Energy Smart Up to 60 months 399
Home Equity Loans (Equity Wise up to 100 LTV)
Up to 60 months 725
61-84 months 750
85-120 months 795
121-180 months 850
Financial Condition (as of 08-2013) Assets
Roxboro Branch Audio Response - Starline 1125 Oxford Road p 8882740253Roxboro NC 27573 p 3365036700f 3365036752 wwwelectelccuorg
Loans to Members (net allowance for loan loss) 27385143 Cash 5228490 Investment CDrsquos 6946000 NCUSIF Dep 338724 FCCCU Capial 305715 Net Fixed Assets 25096 Other Assets 682869
Total Assets 40912038
Holiday Closings Tanksgiving Christmas Day Tursday Nov 28 Wednesday Dec 25 Friday Nov 29
Liabilities and Equity Total Liabilities 242236 Share Accounts 23119381 CDrsquos 13299758 Regular Reserves 1138804 Undivided Earnings 2928694 Net Income 183166
Total Liabilities amp Equity 40912038
aa
Investment Rates Loan Rates Account Minimum Dividend Rate APY Loan Type Term Fixed APR Max APR Savings $25 10 10 Signature Loan Up to 12 months As low as 67 1295
13-24 months As low as 10 1625Special Savings $10 10 10 25-36 months As low as 12 1795Checking $500 05 05 37-48 months As low as 13 1795Money Market $500 25 25
Christmas Club $10 10 10 VISAreg Platinum As low as 990 1790 IRA Savings $10 10 10 New Auto Up to 36 months As low as 199 974 IRA Money Market $500 25 25 37-48 months As low as 199 1024
(Annual Percentage Yield) 49-60 months As low as 199 1024($500 minimum average daily balance to earn interest) 61-72 months As low as 199 1220
Share Certificate finance of $25k min 73-84 months As low as 599 1300
90-day $1000 25 25 Used Auto (Model Year)
180-day $1000 30 30 2003 amp Older Up to 24 months As low as 199 974
12 month $500 30 30 2004-2012 25-36 months As low as 199 974
24 month $500 50 50 2006-2012 37-48 months As low as 199 1024
36 month $500 80 80 2009-2012 49-60 months As low as 199 1024 2011-2012 61-72 months As low as 199 1220
IRA Share Certificate 2013 $25k min 73-84 months As low as 599 1300 (vehicles with over 100k miles can only be financed for up to 36 months)90-day $1000 35 35
180-day $1000 40 40 RV Watercraft Up to 72 months 595 1220Motorcycles12 month $500 40 40
finance of $30k min 73-120 months 795 1395 24 month $500 60 60
Lawn Garden amp 36 month $500 129 130 Up to 60 months 890Farm Equipment
All dividends are compounded daily amp posted monthly Early withdrawal subject to Other Collateral Up to 60 months 890 penalty on share certificates amp IRA share certificates
Share Secured Up to 60 months 225
HELP Line of Credit Up to 90 LTV 425 Variable APR
(Annual Percentage Rate)
Contact ElecTel for more information about rates amp fees
Main Ofce Piedmont EMC Branch 3400 Sumner Blvd Raleigh NC 27616p 8008495600f 9198768018
2500 Highway 86 SouthHillsborough NC 27278p 8774690255f 9197321918
Energy Smart Up to 60 months 399
Home Equity Loans (Equity Wise up to 100 LTV)
Up to 60 months 725
61-84 months 750
85-120 months 795
121-180 months 850
Financial Condition (as of 08-2013) Assets
Roxboro Branch Audio Response - Starline 1125 Oxford Road p 8882740253Roxboro NC 27573 p 3365036700f 3365036752 wwwelectelccuorg
Loans to Members (net allowance for loan loss) 27385143 Cash 5228490 Investment CDrsquos 6946000 NCUSIF Dep 338724 FCCCU Capial 305715 Net Fixed Assets 25096 Other Assets 682869
Total Assets 40912038
Holiday Closings Tanksgiving Christmas Day Tursday Nov 28 Wednesday Dec 25 Friday Nov 29
Liabilities and Equity Total Liabilities 242236 Share Accounts 23119381 CDrsquos 13299758 Regular Reserves 1138804 Undivided Earnings 2928694 Net Income 183166
Total Liabilities amp Equity 40912038
