of subjects.


• They ride on a completely different side of the road—not only the case in the UK.


• You could encounter almost anything on the road: sugarcane, melons, or humans.


• They eat strange foods like guinea pig, snake, eel, cow eyes, dog, etc. Don’t expect to find a burger and fries everywhere. Get used to it, your energy bars will eventually run out.


• Refrigeration is a novel idea many third world countries are still evaluating the


worth of—when they say “fresh to the table,” it often means it simply was not chilled and the flies were scraped off.


• Contaminated gas is sold by the gallon— no high octane here. Most vehicles run on diesel other than small engines, hence only small quantities may be available— again that is their only means of income.


• They do have helpful police and customs officers (like help that relieves you of that extra weighty cash you have so carefully stashed away.)


For BMW MOA Members Only New, pre-ownedor


refinanced vehicle rates AS


LOW AS


3.25% FOR 60 MONTHS


Your BMW MOA exclusive contact is: Ray de Quintal at 800-284-8663, ext. 3040 or 201-546-2928 (cell) or raydequintal@xcelfcu.org.


www.XCELfcu.org APR*


*APR=Annual Percentage Rate. Rates quoted are subject to change without notice. Not everyone will qualify for this rate. Other terms and rates are available based on our loan underwriting policies.


Page 1  |  Page 2  |  Page 3  |  Page 4  |  Page 5  |  Page 6  |  Page 7  |  Page 8  |  Page 9  |  Page 10  |  Page 11  |  Page 12  |  Page 13  |  Page 14  |  Page 15  |  Page 16  |  Page 17  |  Page 18  |  Page 19  |  Page 20  |  Page 21  |  Page 22  |  Page 23  |  Page 24  |  Page 25  |  Page 26  |  Page 27  |  Page 28  |  Page 29  |  Page 30  |  Page 31  |  Page 32  |  Page 33  |  Page 34  |  Page 35  |  Page 36  |  Page 37  |  Page 38  |  Page 39  |  Page 40  |  Page 41  |  Page 42  |  Page 43  |  Page 44  |  Page 45  |  Page 46  |  Page 47  |  Page 48  |  Page 49  |  Page 50  |  Page 51  |  Page 52  |  Page 53  |  Page 54  |  Page 55  |  Page 56  |  Page 57  |  Page 58  |  Page 59  |  Page 60  |  Page 61  |  Page 62  |  Page 63  |  Page 64  |  Page 65  |  Page 66  |  Page 67  |  Page 68  |  Page 69  |  Page 70  |  Page 71  |  Page 72  |  Page 73  |  Page 74  |  Page 75  |  Page 76  |  Page 77  |  Page 78  |  Page 79  |  Page 80  |  Page 81  |  Page 82  |  Page 83  |  Page 84  |  Page 85  |  Page 86  |  Page 87  |  Page 88  |  Page 89  |  Page 90  |  Page 91  |  Page 92  |  Page 93  |  Page 94  |  Page 95  |  Page 96  |  Page 97  |  Page 98  |  Page 99  |  Page 100  |  Page 101  |  Page 102  |  Page 103  |  Page 104  |  Page 105  |  Page 106  |  Page 107  |  Page 108  |  Page 109  |  Page 110  |  Page 111  |  Page 112  |  Page 113  |  Page 114  |  Page 115  |  Page 116  |  Page 117  |  Page 118  |  Page 119  |  Page 120  |  Page 121  |  Page 122  |  Page 123  |  Page 124  |  Page 125  |  Page 126  |  Page 127  |  Page 128  |  Page 129  |  Page 130  |  Page 131  |  Page 132  |  Page 133  |  Page 134  |  Page 135  |  Page 136  |  Page 137  |  Page 138  |  Page 139  |  Page 140