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Credit unions: I. Had the original purpose of providing financial services for low/moderate income households. II. Are not taxed because they are not-for-profit. III. Have

Credit unions: I. Had the original purpose of providing financial services for low/moderate income households. II. Are not taxed because they are not-for-profit. III. Have better personnel expertise than banks because of their ties to employers. IV. Are the most numerous of all depository institutions

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