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1) What is considered an acceptable and prudent debt/service ratio? A. A member whose weekly/monthly salary deductions do not exceed 40% of their gross salary B. A member whose weekly/monthly salary deductions do not exceed 65% of their gross salary C. A member that has enough cash available to pay interest and principal on debts and loans

D. A member that uses overtime to cover reoccurring/regular monthly expenses

2) What was the Credit Union called before the name was changed to the current name AGECU and when did the Credit Union start operations? A. Trinidad Distillers Credit Union Co-operative Society (TDCU) started operations in 1975 B. Angostura-Fernandes Credit Union Co-operative Society (AFCU) started operations in 1978 C. RumCo Group Credit Union Co-operative Society (RGCU) started operations in 1972

D. Angostura Family & Group Credit Union Co-operative Society (AFGCU) started operations in 1974 3) Who were the first President and Treasurer of the Credit Union respectively? A. Garth L. Abdulla and Lennox Pantin B. Clarence Lewis and David Gibson C. Arthur Robinson and Clive Pantin

D. Everton Callender and David St. George 4) In what year and under whose tenure did the present name of the Credit Union (The Angostura Group Employees Credit Union Co-Operative) come to be? A. 1995 under the presidency of David Gibson B. 1992 under the presidency of David Francois C. 1997 under the presidency of Kenneth Philips

D. 1985 under the presidency of Clarence Lewis 5) What is the name of the group life insurance plan that provides a level of cash benefit in the event of death of an insured person? A. Death Insurance Coverage B. Family Shelter Plan C. Family Indemnity Plan

D. Peace of Mind Coverage

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6) What range funeral expenses are covered by CUNA Caribbean Insurance Society Limited? A. $10,000.00 - $40,000.00 B. $200.00 - $500.00 C. $55,000.00 - $60,000.00

D. $5,000.00 - $10,000.00 7) How many persons are covered by the death benefit plan? A. Six (6) family members each inclusive of parents and parents in law B. Spouse and Children Only C. Any six (6) family and friends

D. Parents and Parents in law only 8) To file a claim to cover funeral expenses through the CUNA Insurance coverage plan the member needs bring in the death certificate of the family member and, once no queries arise, the member will receive payment within 2 days. A. True B. False 9) The Special Company Home Improvement loan allows for a loan totaling a maximum of $35,000.00 for improvements to be made to a house in the members name, where the member repays the principle and the company pays all of the interest. A. True B. False 10) The Special Debt Consolidation loan is a loan offered at 0.9% interest on the reducing balance where the Credit Union consolidates all the members current loans, or purchases the members debt from other financial and utility institutions and consolidates it into one loan, thereby giving the member one manageable monthly/weekly installment to pay. The value of the external debt consolidated will be limited by the members collateral and ability to service the loan. A. True B. False