To further
meet consumer needs, there is a choice
of either front - or all - wheel - drive configurations, the latter coming with a locking center differential to evenly distribute power to all wheels while
operating the vehicle at low speeds during more severe weather conditions.
«Credit unions, unlike many other participants in the financial services market, are exempt from Federal and most State taxes because credit unions are member - owned, democratically,
operated, not - for - profit organizations generally managed by volunteer boards
of directors and because they have the specified mission
of meeting the credit and savings
needs of consumers, especially persons
of modest means.»
SELF - HELP Self - help generally refers to groups or
meetings that: involve people who have similar
needs; are facilitated by a
consumer, survivor, or other layperson; assist people to deal with a «life - disrupting» event, such as a death, abuse, serious accident, addiction, or diagnosis
of a physical, emotional, or mental disability, for oneself or a relative; are
operated on an informal, free -
of - charge, and nonprofit basis; provide support and education; and are voluntary, anonymous, and confidential.