in this issue:

Youth Tourists in D.C. B

Capital Credits C

My Energy Report D

Safe Outdoor Grilling E

Bylaws F

Annual Meeting Information G

Right-of-Way Clearing & Co-op Connections H

Our offices will be closed Monday, September 1, for Labor Day

Energy for Today, Power for Tomorrowreviewcooperative

celebrating 75 yearsMembers, help us celebrate 75 years of service at our Annual Membership Meeting on Saturday, October 4, at Wingate University!

The day begins with Member Registration at 7:00 a.m. This year, Union Power is retiring $5.5 million in capital credits. Members who have had service with the Cooperative for 20 years or more may pick up their capital credit checks at Registration. (See page C for more information on capital credits).

Something for EveryoneA delicious, complimentary breakfast and other festivities across campus will be provided for your enjoyment. Once again, we are offering our annual Health Fair, with many health services and vendors.

Children will enjoy games, entertainment and door prizes at the Kids Festival. Musical entertainment will be provided by Letters From Home, a 1940s tribute act from Winston-Salem that has been featured in Our State magazine, CBS News, “The Good Morning Show” and other media!

The Business Meeting will begin promptly at 10:30 a.m. This is your opportunity to hear important information about the Cooperative. Don’t forget to sign up for the cash door prize drawing in the lobby of Austin Auditorium before the Business Meeting starts! Cash prizes totaling $2,500 will be given away immediately following the Business Meeting!

Letters From Home, a 1940s tribute act, will be performing at 9:00 a.m. in Austin Auditorium

See page F for more details about our Annual Meeting

september 2014

In June, three local high school students enjoyed an all-expense-paid trip to the nation’s capital. Union Power Youth Tourist Morganne Guinther expressed her gratefulness for the opportunity to be part of the 2014 Electric Cooperative Youth Tour and described the experience as “an awesome and life-changing week.” She and fellow Union County Youth Tourists Kaleigh Launsby and Ryan Detig converged on D.C. with more than 1,600 other students that Morganne called “the nation’s bright young leaders.”

Our three Youth Tourists had the privilege of meeting congressional leaders, visiting government agencies and historical sites, and learning more about government and the cooperative business model. “Visiting the Capitol was an amazing experience! I was fortunate enough to meet Senator Richard Burr, along with many House members from North Carolina,” said Kaleigh. While there, our group was also privileged to meet with Congressman Robert Pittenger.

Other highlights our Tourists mentioned were visiting Arlington Cemetery, the Smithsonian museums, and The Kennedy Center, where they saw “The Lion King.”

About Youth TourThrough Youth Tour, students have been traveling to Washington, D.C., for 50 years. But how did it all start? In 1958, an Iowa electric cooperative sponsored a group of 34 young people on an educational weeklong tour of the nation’s capital. The idea then grew to a nationally-coordinated effort that officially began

in 1964. That year, 12 states sent 400 young people. Now, more than 1,600 students and 300 chaperones participate yearly, making Youth Tour one of the electric cooperatives’ largest coordinated efforts for youth across the country.

In 1968, President Lyndon B. Johnson spoke these words to a group of Youth Tourists: “You can’t find a better talent” for leadership “than you young people from rural America.” His words and the words of Morganne, 2014 Youth Tourist, are what continue to inspire Union Power and other electric cooperatives across the country to invest in educating our young people, not only about the great history of our nation

but also about the important role that electric co-ops continue to play in that history. In a “thank you” letter to the Cooperative, Morganne wrote: “I will continue to work hard to grow into the leader which you already see in me. Again, thank you so much for the opportunity to go on this life-changing trip that I will remember and cherish.”

To learn more about Youth Tour, visit union-power.com, My Community, Youth Tour.

youth tourists learn aboutgrassroots, history and co-ops

Left to right: Morganne Guinther, NC Congressman Robert Pittenger, Kaleigh Launsby and Ryan Detig

North Carolina’s Youth Tourists having fun on Capitol Hill

Youth Tourists visited Arlington Cemetery and other historic sites

september 2014 Union Power CooperativeB

important noticeEffective July 1, 2014, N.C. General Statute Section 105-164.13E was rewritten and amended. Among other things, this section of the statute provides an exemption from sales and use tax for certain services, including electricity, purchased by a qualifying or conditional farmer. In order to comply with the statute, the N.C. Department of Revenue is requiring ALL agricultural exemption certificate holders to reapply for a new exemption certificate number.

What does this mean to you? If you currently have an agricultural exemption certificate number that was issued prior to July 1, 2014, you need to reapply for a new certificate number and submit a new completed Form E-595E, Streamlined Sales and Use Tax Agreement Certificate of Exemption, to Union Power Cooperative. Effective October 1, 2014, Union Power Cooperative must have a new Form E-595E on file that contains your new exemption certificate number (a 6-digit number that begins with the numeral seven or eight), or we MUST begin charging and collecting sales tax on our sales to you.

The Co-op’s first office was located on East Jefferson Street in downtown Monroe. In January 1950, membership had topped 5,000 and the headquarters was moved to Patton Avenue, where it remained until moving to its current location on Rocky River Road in July 1984. Membership had reached 20,400 by that time. In 1979, the Co-op opened a district office on E 7th Street and Dorsett in downtown Oakboro to serve Stanly, Cabarrus, and Rowan counties. The current Oakboro district office was completed in early 1995; by then, membership had reached 33,500.

Union Power headquarters office on Patton Avenue in Monroe , February 1950

Union Power Office Locations

money back to you!Union Power’s capital credit program is one of the things that distinguishes a cooperative from other businesses. As a member, you are entitled to a share of the margins generated by the cooperative for the period of time you receive service.

Each year, any margins (revenues in excess of expenses) generated by Union Power are proportionally allocated to you as capital credits and are held in an account in your name. Those margins are then reinvested into the cooperative for capital expansion, system improvements and on-going operations and maintenance activities. This reduces the amount of money being borrowed, which helps keep rates as low as possible.

Once the cooperative has met its financial requirements, and after a period of time, capital credits are returned (paid) to you. Union Power is currently on a twenty-year rotation cycle, meaning any margins allocated will be returned no more than twenty years later. Capital credits may be paid to you in the form of a check or applied as a credit on your electric bill.

Be looking for YOUR capital credit soon! If you’re a member with 20 years of service or more, you’ll receive a check. If you’re a member with less than 20 years of service (and were signed up for and received electric service by the end of 2013), be looking for a credit on your October bill! According to the National Rural Utilities Cooperative Finance Corporation, electric co-ops have retired over $11 billion to members since 1988. That’s the cooperative difference! Visit union-power.com, Capital Credits, for more information.

Union Power Cooperative september 2014 C

“my energy report”:new for residential membersWhere are your energy dollars going? Your free personalized “My Energy Report” will show you. This report puts the following information at your fingertips:

• Changes in your usage and costsdue to the weather

• The numberof days in yourbilling period andany price changes

• Any increase ordecrease due toother factors

• You can even compare thismonth’s energy bill to last month’sbill or to this same time last year!

Using this new tool, you can track your progress in meeting your energy plan and make any changes as needed.

Who Can Participate?If you have given an email address to Union Power for your account, you are automatically enrolled in the program and you will receive monthly reports. Check your email inbox in the coming months for a Welcome to My Energy Report email from Union Power.

If you are a residential member who wishes to participate and have not given us a current email address associated with your Union Power account or you wish to update or add an email account, please use the Online Services Member Portal. Click the link from our home page (union-power.com), and then select My Account, E-Notifications, E-Bill.

You can also access your report from our website homepage! Visit union-power.com.

My Energy Report. It’s easy. It’s free. Start saving today!

Shown are samples of the information your personalized report will contain

september 2014 Union Power CooperativeD

Union Power Cooperative

When shopping for a new appliance, consider lifetime operation costs as well as the up-front purchase price. Refrigerators last an average of 12 years, clothes washers about 11, and dishwashers about 10. Check the Energy Guide label for the appliance’s estimated yearly operating cost, and look for ENERGY STAR units, which usually exceed minimum federal standards for efficiency and quality. To learn more, visit EnergySavers.gov.

energy efficiency tip

There’s nothing quite like grilling on a long summer day, especially if there’s something to celebrate, like Labor Day. In fact, Labor Day is the third most popular day of the year to grill right after the Fourth of July and Memorial Day. Don’t become complacent as you fire up your grill those last few times this summer.

Gas grills accounted for an annual average of 7,200 home fires from 2007–2011, and charcoal or other solid-fueled grills were responsible for an annual average of 1,400 home fires, according to the National Fire Protection Association. Follow these safety tips to keep your remaining summer days safe.

General Tips • Never use grills in a house, garage or otherenclosed area; this is a serious fire hazard.

• Place your grill away from your home, deckrailings, eaves or low hanging branches.

• Before using your grill, make sure youhave read the owner’s manual.

• Keep your grill clean by removinggrease or fat from the grill.

• Never leave your grill unattended,and keep children and pets at least 3feet away from the grill space.

• Remain alert when grilling. If you are tired orhave been drinking alcohol, you shouldn’t grill.

• Keep flammable materials awayfrom your grill at all times.

Gas Grills • If using a gas grill, check forpropane leaks before igniting.

• Be sure the lid to your gasgrill is open before igniting.

• If a flame goes out on a gasgrill, wait 15 minutes tore-light to allow any propanein the air to dissipate.

• If you smell a gas leak whileyou are cooking, back awayand call the fire department.

• When you have finished using thegrill, turn the gas off at the tank.

Charcoal Grills • If using igniter fluid, be sure to keep it away fromchildren and away from heat.

• When using charcoal, be sure your coals arecompletely cool before disposing of them, andwhen you dispose of them, put them in a metalcontainer. Never dump hot coals in a trash can.

play it safe — outdoor grilling

Union Power Cooperative september 2014 E

The Annual MeetingThe annual meeting of the members shall be held on a Saturday in September or October of each year as may be determined by the board of directors, at such place in the County of Union, State of North Carolina, as shall be designated in the notice of the meeting for the purpose of electing directors, passing upon reports covering the previous fiscal year, and transacting such other business as may come before the meeting.

Notice of MeetingsWritten or printed notice stating the place, day and hour of the meeting and, in the case of a special meeting, the purpose or purposes for which the meeting is called, shall be delivered not less than seven (7) days and not more than thirty (30) days before the date of the meeting, either personally or by mail, by or at the direction of the Secretary, or by the persons calling the meeting, to each member. If mailed, such notice shall be deemed to be delivered when deposited in the United States mail, addressed to the member at his/her address as it appears on the records of the Cooperative with postage thereon prepaid. The failure of any member to receive notice of an annual meeting or special meeting of the members shall not invalidate any action which may be taken by the members of the Cooperative at any such meeting.

Member QuorumA quorum of members is at least one hundred members or one (1%) percent of the Cooperative’s total membership (as determined to exist by the board of directors as of the August board meeting preceding the next scheduled meeting) present in person at a meeting, whichever is smaller.

VotingEach member shall be entitled to one (l) vote and no more upon each matter submitted to a vote at a meeting of the members. At all meetings of the members at which a quorum is present all questions shall be decided by a vote of the majority of the members voting thereon in person or proxy, except in the case of Director elections which shall be decided by plurality, or except as otherwise provided by law, the articles of incorporation, or these Bylaws. A jointly held membership shall constitute one member for all purposes including voting and all other matters presented to the board and/or members. The vote of either or both shall constitute one vote.

Proxies(a) Proxy voting shall be allowed only on

matters that require the affirmative votes of a clear majority of all the Cooperative’s members. Accordingly, proxy voting is not allowed on any other matters, including, but not limited to, Director elections under applicable sections of these Bylaws.

(b) When allowed, a proxy vote shall be sufficient if it

i. is registered with the Cooperative atits principal office in Monroe, NorthCarolina, during office hours on orbefore the third business day nextpreceding the date of the meeting, orany adjournment thereof, as the casemay be,

ii. is executed by the Member in writing

and designates the holder thereof, (and, if the Member so desires, and alternative or substitute holder thereof and/or conferring upon the holder[s] full power of substitution), which holder[s] (or substitutes, if any) shall be the Member’s spouse, an adult close relative (18 years or older) residing in the same household as the Member, or another Member who is a natural person;

iii. specifies the particular meeting and/orany adjournment thereof at which it isto be voted and is dated not more thansixty (60) days prior to the date of such meeting or any adjournment;

(c) Any mailed proxies not otherwise dated shall be deemed dated as postmarked if the postmark is satisfactorily evidenced;

(d) Any proxy valid at any meeting shall be valid at any adjournment of that same meeting unless the proxy itself specifies otherwise or is subsequently revoked by another proxy or by the presence in person of the Member at such adjournment;

(e) A proxy may be unlimited as to the matters upon which it may be voted or it may be restricted; a proxy containing no restriction shall be deemed unlimited;

(f) In the event a Member executes two or more proxies for the same meeting or for any adjournment thereof, the most recently dated proxy shall revoke any proxy theretofore executed by him for such meeting or for such adjournment thereof, as the case may be;

(g) If two or more proxies executed by one Member carry the same date, none of such proxies shall be valid;

(h) A proxy-holder may vote no more than ten (10) proxies;

(i) Notwithstanding a Member’s execution of a proxy, his personal presence at any meeting or adjournment thereof shall revoke such proxy, and he shall be entitled to vote in the same manner and with the same effect as if he had not executed a proxy; provided, however, if the member’s proxy has been voted prior to the member’s vote, the proxy vote shall be allowed.

Tenure, Qualification & DistrictsAt the annual meeting of the members, qualified candidates shall be elected by paper ballot if a directorship is lawfully contested, and if not, then by voice vote to fill those director positions that are eligible for election. Directors shall serve for three (3) years or until their successors are duly elected and shall have qualified, subject to the provisions of these Bylaws with respect to the eligibility and removal of directors.

No member shall be eligible to become or remain a director or hold any position of trust in the Cooperative who is not eighteen (18) or more years of age, a bona fide resident in the area served by the Cooperative, or is in any way employed by or has a substantial financial interest (more than 2%) in a competing enterprise or a business selling energy or supplies to the Cooperative, or in a business primarily engaged in selling electrical or plumbing appliances, fixtures or supplies to the members of the Cooperative, or who was

employed by the Cooperative, its subsidiary, or a contractor (defined as an annual contract of more than $150,000.00) within six (6) consecutive years before the election date of that person’s candidacy for a directorship.

No person shall be eligible to become or remain a director if, during the five (5) years immediately prior to becoming a director, has been convicted or plead guilty to a felony.

When a membership is held jointly by a husband and wife, either, but not both, may serve as a director, provided, however, that neither shall be eligible to become or remain a director unless both shall meet the qualifications hereinabove set forth.

To insure equitable representation of all members of the Cooperative on the board of directors, the service area is divided into six districts to have representation on the board as hereafter provided:

District I (which includes Rowan & Stanly Counties) shall be represented by three (3) directors;

District II (which includes that portion of Union County generally east of a line described as follows: beginning at the intersection of Highway 601 with the northern boundary of Union County, hence south along Highway 601 to the intersection with Highway 74, hence west with Highway 74 to the intersection with Secrest Short Cut Road, hence west along Secrest Short Cut Road to the intersection with Rocky River Road, hence south along Rocky River Road to the intersection with Highway 75, hence west along Highway 75 to the Union County line) shall be represented by two (2) directors;

District III (which includes that portion of Union County generally west of a line described as follows: beginning at the intersection of Highway 16 and the Union County line, hence south along Highway 16 to the intersection with Highway 84, hence east along Highway 84 to the intersection with Rocky River Road, hence south along Rocky River Road to the intersection with Highway 75, hence west along Highway 75 to the Union County line) shall be represented by one (1) director;

District IV (which includes Mecklenburg County and that portion of Union County generally west of a line described as follows: beginning at the intersection of Highway 16 and the Union County line, hence south along Highway 16 to the intersection with Highway 84, hence east along Highway 84 to the intersection with Rocky River Road, hence north along Rocky River Road to the intersection with Secrest Short Cut Road, hence west along Secrest Short Cut Road to the intersection with Idlewild Road, hence west along Idlewild Road to the intersection with Stevens Mill Road, hence north along Stevens Mill Road to the intersection of Lawyers Road, hence west along Lawyers Road to the Mecklenburg County line. District IV shall be represented by two (2) directors;

District V (which includes that portion of Union County generally west of a line described as follows: beginning at the intersection of Highway 601 with the northern boundary of Union County, hence south along Highway 601

bylaws of your annual meeting

september 2014 Union Power CooperativeFBylaws continued on next page...

You can download and print a copy of our Bylaws by visiting union-power.com and clicking About Us, Bylaws. You may also call our office at (704) 289-3145 to request a mailed copy.

to the intersection with Highway 74, hence west with Highway 74 to the intersection with Secrest Short Cut Road, hence west along Secrest Short Cut Road to the intersection with Idlewild Road, hence west along Idlewild Road to the Union County line) shall be represented by one (1) director;

District VI (which includes Cabarrus County) shall be represented by one (1) director.

Nothing contained in this section shall affect in any manner whatsoever the validity of any action taken at any meeting of the board of directors.

NominationsIt shall be the duty of the board of directors to appoint, not less than thirty (30) days nor more than seventy (70) days before the date of a meeting of the members at which directors are to be elected, a committee on nominations consisting of not less than five (5) nor more than ten (10) members who shall be selected so as to give equitable representation on the committee to the geographical areas served or to be served by the Cooperative. No officer or member of the board of directors, or any close relative of a board member, shall be appointed a member of such committee. The committee shall prepare and post at the principal office of the Cooperative at least twenty (20) days before the meeting a list of nominations for director, but any group of members consisting of no less than one hundred members (100) may make other nominations in writing by petition over their signature not less than twenty five (25) days prior to the meeting and the Secretary shall post such petition at the same place where the list of nominations made by the Committee is posted. The Secretary shall mail with the notice of the meeting a statement of the number of directors to be elected and showing separately the nominations made by the committee on nominations and the nominations made by petition, if any. The nominations made by petition shall be in writing and include the following information:

• Petitioner’s name legibly printed; a handwritten signature; date; home address; andtelephone number legibly printed.

• Account number with Union PowerCooperative for verification purposes.

• Candidate’s name, district of candidate and director position sought.

In accordance with the Bylaws and the Cooperative’s articles of incorporation, only one individual from a husband/wife joint membership may sign such petition.

Nominations shall not be considered from the floor at any meeting of the members.

The members may at any meeting at which a director or directors shall be removed, as hereinbefore provided, elect a successor or successors thereto without compliance with the foregoing provisions with respect to nominations.

Notwithstanding anything in this section contained, failure to comply with any of the provisions of this section shall not affect in any manner whatsoever the validity of any election of directors.

Union Power Cooperative september 2014 G

C ome join us for the festivities across campus as we celebrate the Co-op’s Annual Meeting at Wingate University on Saturday, October 4. There will be a free breakfast, Kids Festival, Health Fair, musical

entertainment, and business meeting and a chance to win cash prizes.

Health Fair Cuddy Arena, 7–10 amNeed your cholesterol, blood sugar or blood pressure checked? Several local organizations have volunteered to provide you with the latest in health care information and screenings. Please do not eat breakfast before you have your cholesterol checked.

Do you need to get a flu shot? The Center for Disease Control recommends taking the flu vaccine in mid-October to offer best overall coverage. Community Health Services will provide flu shots again this year for the cost of $30, which will support Union County’s healthcare programs. So that shots can be easily administered, wear comfortable clothing where easy access to the upper arm is possible. There will be extra vaccine for family members who wish to receive vaccine. A doctor’s note is needed for expectant mothers. Bring supplemental insurance or Medicare cards — Community Health Services will file for Medicare only.

Musical EntertainmentTake a stroll down memory lane to the 1940s with the group Letters From Home, a North Carolina twosome that will have you on the edge of your seat!

An Andrews Sisters tribute group, Letters From Home has toured the country with a mission to honor veterans, active military and their families through the music and style of the 1940s. The group has performed for hundreds of thousands across the country — from Florida to Alaska. And we’re bringing them to YOU! Entertainment starts in Austin Auditorium at 9:00 a.m.

2014 Health Fair VendorsAmerican Red Cross

Autumn Care of Marshville

Brookdale

Carillon Assisted Living at Indian Trail

Carolina Country

Community Health Services of Union County

Council on Aging in Union County

Gentiva Home Health

HealthQuest of Union County

Hospice of Union County

Novant Health

Turning Point

Union County Board of Elections

Union Services of Union County

Union Power Cooperative’s 75thannual membership meetingSaturday, October 4, 2014 — Wingate University7:00 am–11:30 am

Cooperative Review is published monthly by

Union Power Cooperative provides safe and reliable power with exceptional value to more than 70,000 member accounts in Union, Stanly, Cabarrus, Mecklenburg, and Rowan counties.

Greg AndressExec. Vice President & General Manager

Carrie C. Stroud, CCCEditor

Rhonda Smith, CCCAssociate Editor

BOARD OF DIRECTORSB. L. Starnes, PresidentLee Roy Kirk, Jr., Vice PresidentJan Haigler, Secretary-TreasurerDent H. Turner, Jr., Asst. Secretary-TreasurerJuanita W. PoplinNeil W. Hasty, Jr.Carole P. JonesRufus N. ReidJim T. HartsellDavid G. HyattTom J. Caudle

Business Hours8 AM to 5 PM Monday–Friday704-289-3145 or 704-485-3335Toll-free: 1-800-922-6840union-power.com

24-Hour Outage Reporting Serviceand Account Information1-800-794-4423

Call Before DigNC One Call Center — Dial 811

SERVICE CHARGES:Security Deposit-charges vary $0, $175, $375Connection Fee $25Late Payment Charge $5 or 1.5% of past due balance, if greaterReturned Check Fee $25Meter Test $75 (refunded if not accurate)Dual Meter Comparison $50 (refunded if not accurate)Trip Charge

$25 (checks or money orders only, no cash)

RECONNECT CHARGES:(collected in advance)Normal Hours $50 (if called in before 4:00 PM)After Hours $100 (if called in after 4:00 PM)Weekends and Holidays $100

During the next month, you may see our tree-trimming crews in your neighborhood. ABC Professional Tree Services and Carolina Tree Care will be working in Cabarrus, Mecklenburg and Union counties:

Cabarrus: Atwater Dr, Barrier Georgeville Rd, Basswood Dr, Bost Cut Off Rd, Brush Arbor Rd. Cliffhaven Dr, Cold Springs Rd S, Crayton Rd, Edgefield Rd, England Rd, Faith Trail, Harbor Dr, Hartsell Rd, Heathcliff Rd, Heather Ln, Joe Bost Rd, Joyner Rd, Log Cabin Trail, Mallard Dr, Miami Church Rd, Miami Ln, Mine Springs Rd, Miner Rd, Mt Pleasant Rd S, Nugget Place, Point View Ct, Reed Mine Rd, Roundcliff Dr, Sanctuary Ridge Dr, Shore View Dr, Smith Rd, Swan Dr, Yellow Poplar Ln

Mecklenburg: Bridgewater Ln, Castleford Dr, Country Woods Dr, Creekside Dr, Cricket Ln, Cricket Ln, Dartford Ln, Davis Trace Dr, Deer Oak Ln, Four Oaks Ln, Hackamore Dr, Helena Circle, Horseback Circle, Idle

Dr, Idlefield Ln, Idlewild Rd, Lawyers Rd, Lymington Ct, Mareshead Ln, Mills End Circle, Northern Red Oak Dr, Rothwell Dr, Ruth Haven Dr, Seaton Dr, Springwater Dr, Thompson Rd, Tracelake Dr, Waltham Pl, Windrow Ln

Union: Arant Rd, Belk Mill Rd, Blakeney Rd, Bud Plyler Rd, Cheraw Rd, Clontz Taylor Rd, Cox Rd, Dudley Rd, Ervin Thomas Rd, Eubanks Rd, Hargette Rd, Helms Funderburke Rd, Janes Ln, Jordan Dr, Kelly Autry Rd, Landsford Rd, Laney Rogers Rd, Lonnie D Aldridge Rd, Medlin Rd, Old Pageland Marshville Rd, Old Pageland Monroe Rd, Pageland Marshville Rd, Philadelphia Church Rd, Riggins Rd, Smith Town Rd, Stack Rd, Vann Sneed Rd, Wallace Branch Rd, Walters Mill Rd, Walters Rd

For more information about Union Power’s vegetation management program or tree trimming practices, please call 704-289-3145 and speak with Wil Ortiz (ext. 3323) or Carrie Lorenz-Efird (ext. 3291). Visit our website, union-power.com, for monthly right-of-way clearing updates.

right-of-way clearing

Get In On the Savings! Visit us at union-power.com!Residential Members! Click on Co-op Connections on our home page to learn more about ways to save locally and nationally with this money-saving discount card! A perk of being a Union Power member!

Major Savings on Rx with Co-op Connections!Union Power members have saved more than $33,300 in prescription savings alone just by using their cards at pharmacies that include nearly all the major names and many of the local drug stores.

Start using your card now, watch the savings add up and decide what you’ll spend the extra money on!