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All material contained at this site, whether policies, procedures, forms, etc. were developed by individual credit unions for their own unique and individual situations. Every item is intended as a "sample" or "guide" only to help credit unions develop their own customized version. If you borrow an item from this site, please review it thoroughly and make any appropriate revisions by deleting or adding language to accommodate your own particular situation. Finally, please have your revised item reviewed by your compliance officer or legal counsel.