Hope cu - Partner Spotlight, Hope Credit Union Awarded $2.5 Million, Black Business Ownership Discussion, Shelterforce and more! August 2017. HOPE CEO Receives Award, HOPE Joins Crescent Care, HOPE for West Point, SmartMoney PFM Winner and more! July 2017.

 
Vehicle Loans. When you’re ready for a new set of wheels, you’re ready for a loan from HOPE. We offer very low rates and competitive terms. Call or visit your local branch to learn more about financing your car, truck, or SUV. HOPE's Shaw, Mississippi, branch will be closed on Friday, March 8, due to severe weather.. Electronic security association

If you could use a home equity loan, now is a great time to act. If you are not already a homeowner, HOPE has a super offer on home loans. HOPE will pay 50% of all lender and closing agent fees on mortgage loans for all applications made on or before December 31, 2022. 2 Contact your local HOPE mortgage lender. 1 All loans are subject to credit ...The Miami Dolphins hope to sign wide receiver Odell Beckham Jr. after a Thursday meeting with the free agent "went well," according to Barry Jackson of the…Wealth Building & Savings Accounts | HOPE Credit Union. Savings Accounts. Make saving happen with our low-cost, wealth-building accounts. Savings Accounts. Make saving … Hope Credit Union headquarters is in Jackson, Mississippi has been serving members since 1995, with 24 branches and 24 ATMs. The Main Office is located at 4 Old River Place, Jackson, Mississippi 39202. Contact Hope at (866) 321-4673. Access Hope Credit Union Login, hours, phone, financials, and additional member resources. Learn more about your best home loan options. Get to know our mortgage lenders and contact them directly. Call us toll-free at 1-833-283-6899. Get ready by exploring homeownership resources from GreenPath, our financial wellness partner, get helpful information from 3by30 sponsored by the National Housing Conference, or find down payment ... Charity Hallman. Based in Arkansas, Charity Hallman is HOPE’s new Senior Vice President of Community & Economic Development. In this role, she leads the organization’s education lending across a five-state region, including the management of a $20 million U.S. Department of Education Public Charter School Facilities Credit Enhancement program, as well as HOPE’s …HOPE (Hope Enterprise Corporation, Hope Credit Union, and Hope Policy Institute) provides financial services; aggregates resources; and engages in advocacy to mitigate the extent to which factors such as race, gender, birthplace and wealth limit one’s ability to prosper. Since 1994, HOPE has generated more than $3.9 billion in financing …But hope, she says, "is mandatory". "I believe it and I have to believe it, that he will come back to us." In the midst of her torment, she is quick to acknowledge the pain of …10% annual percentage rate (APR) Up to 12-month repayment period – Employee can only utilize this employee loan program benefit once every 12 months Employees may apply for additional HOPE loan products as needed in accordance with HOPE’s regular approval processes, but may only have one unsecured loan outstanding at any time.Control unit. A control unit or CU is circuitry that directs operations within a computer's processor. It lets the computer's logic unit, memory, and both input and output devices know how to respond to instructions received from a program. Examples of devices that utilize control units include CPUs (central processing units) and GPUs (graphics ...Just give us a ring toll-free at 1-866-321-HOPE (4673) or contact your nearest branch with any questions you may have. 1Credit cards are subject to personal credit approval and terms and conditions of the Credit Card Agreement. ²The Rewards program allows you to earn points for making qualifying purchases with your HOPE Platinum Rewards Visa ...Blaze Hosts Food Drive During Month of March. Blaze is proud to partner with the Salvation Army and other local organizations with a food drive to support Minnesotans in need during March. Blaze Credit Union is a full-service financial institution. We’re all on our own journey and we want to be a part of yours. Let’s blaze your trail together.See how we can help you achieve the American dream. HOPE is a banking institution that puts your needs first. We provide affordable, responsible deposit accounts and loans to … Hope Credit Union headquarters is in Jackson, Mississippi has been serving members since 1995, with 24 branches and 24 ATMs. The Main Office is located at 4 Old River Place, Jackson, Mississippi 39202. Contact Hope at (866) 321-4673. Access Hope Credit Union Login, hours, phone, financials, and additional member resources. EIN and ITIN are also accepted. Member Number. EmailBob Hope Show Cu Chi 1969 | 25th Infantry Division | Flickr. Back to photostream.Pay Your Consumer Loans Online! HOPE offers members the convenience of taking care of their monthly personal, vehicle, and credit card payments quickly and easily via computer or mobile device. This service also allows HOPE members to use an account at a different financial institution to make a loan payment. Members paying with a HOPE account ...HOPE Mobile – User Guide – Share Us. Connect with us on social media and share HOPE with your friends. Click on “Share Us” to follow HOPE on one of our social media channels. Select “Facebook” or “Twitter” to connect directly to the credit union. Choose “Close” to exit the menu. HOPE is a banking institution that puts your ...Control unit. A control unit or CU is circuitry that directs operations within a computer's processor. It lets the computer's logic unit, memory, and both input and output devices know how to respond to instructions received from a program. Examples of devices that utilize control units include CPUs (central processing units) and GPUs (graphics ...A cidade de Penedo em Alagoas é conhecida como a capital do baixo São Francisco e guarda histórias do Brasil colonial. Dessa forma, o local chega a ser mágico … Business Checking – An option for growing businesses that balances deposit and transaction levels. Business Checking Plus – Designed for businesses with higher balances with a larger number of transactions, particularly cash deposits, during a month. All accounts feature: Paper Checks. Free HOPEAnytime Check Card. Easy-to-Read Monthly ... Business Checking – An option for growing businesses that balances deposit and transaction levels. Business Checking Plus – Designed for businesses with higher balances with a larger number of transactions, particularly cash deposits, during a month. All accounts feature: Paper Checks. Free HOPEAnytime Check Card. Easy-to-Read Monthly ... The HFRP will directly benefit low- and moderate-income residents in affected parishes by providing healthy food access, creating jobs, and revitalizing neighborhoods. If you are interested in this program, you may contact HOPE by phone at 504-585-2860 or via email at [email protected]. Program Summary.Hope Credit Union | 1,999 followers on LinkedIn. Brighter Futures Begin with HOPE. | Started in 1995 as a small church project with big dreams, HOPE is a community development credit union that ... How to Apply. Simply complete the HOPE consumer loan application at a branch or, if you are a current member, access the online loan application by using HOPENet Online banking. Provide the required information and documentation, and we’ll take care of the rest. HOPE is a banking institution that puts your needs first. Q: What operating systems will work the HOPE Mobile Banking app? A: Apple: Apple users must have iOS 8 or 9 to download the app. Android: Android users must have version Jellybean, KitKat, Lollipop, or Marshmallow to download and use the app most effectively. Return To Top.Address. 106 East Main Street Utica, MS 39175. P: 601-991-3336 F: 601-885-2137August 30th, 2022. (WASHINGTON, August 30, 2022) – William J. (Bill) Bynum has been named the 2022 recipient of Independent Sector’s John W. Gardner Leadership Award. Bynum will receive the prestigious award in recognition of his extraordinary leadership as President and CEO of the HOPE family of organizations, which strengthens communities ...Learn about this important coverage or call 1-855-612-7909 for more information. TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. LIFE-1112-8F55. HOPE is a banking institution ... You can contact our Investor Relations Department at 877-654-4673 (HOPE) for assistance with making a transformational deposit or to get more information. 1Variable-rate account; rates may change after the account is opened. 2Early withdrawal penalties apply to all share certificate accounts. 3Rates are subject to change. Business Loans. April 16th, 2015. HOPE is a banking institution that puts your needs first. We provide affordable, responsible deposit accounts and loans to help people save money and keep more of what they make.BIRMINGHAM, AL — Today, Hope Enterprise Corporation / Hope Credit Union (HOPE) announced Brandon Pettagrue has joined the organization as Senior Vice President of Community and Economic Development (CED) for the state of Alabama. Based in Birmingham, Mr. Pettagrue brings nearly two decades of American and international banking expertise to ...Credit Builder Loans. If you’ve had some challenges with your credit in the past, we want to help you get back on track. HOPE offers two options for getting the loan you need and allowing you to improve your credit history over time. HOPE is a banking institution that puts your needs first.Hope of CU, กรุงเทพมหานคร ประเทศไทย. 478 likes · 88 were here. Good things can come From unexpected places.The Miami Dolphins hope to sign wide receiver Odell Beckham Jr. after a Thursday meeting with the free agent "went well," according to Barry Jackson of the… Email: Destiny Coleman, a proud Arkansas native, brings her passion for community service to her role as a Mortgage Loan Originator in HOPE’s Arkansas Market. With a career spanning over a decade in the financial industry, Destiny’s dedication to providing individuals with financial literacy shines through her work. Before joining the HOPE ... Learn more about your best home loan options. Get to know our mortgage lenders and contact them directly. Call us toll-free at 1-833-283-6899. Get ready by exploring homeownership resources from GreenPath, our financial wellness partner, get helpful information from 3by30 sponsored by the National Housing Conference, or find down payment ...CU 2.0 is excited to bring you the twelfth in a series of podcasts from Robert McGarvey. Welcome to the CU 2.0 Podcast, regular interviews with credit union leaders, thinkers, movers, shakers and more. Today’s topic is talking about the real credit union mission. This week, Robert sat down with Bill Bynum, CEO of Hope CU.Tap the “Take Photo” boxes to snap a picture of the front and back sides of the check. Be sure to sign the back of your check. Also make sure that all four corners of the check are visible in the picture. Tap the “Submit” button when you are ready to complete your mobile deposit. Use the “History” option of the “Make Deposit ...10% annual percentage rate (APR) Up to 12-month repayment period – Employee can only utilize this employee loan program benefit once every 12 months Employees may apply for additional HOPE loan products as needed in accordance with HOPE’s regular approval processes, but may only have one unsecured loan outstanding at any time.HOPENet lets you perform a variety of functions from any Internet-connected laptop or desktop computer 24 hours a day, seven days a week. You can check account balances, …Bob Hope USO Show, 1969. November 28, 2016 vietnamwarvet_etq0af. I took this shot while attending the Bob Hope Christmas show at Cu Chi, 1969. The Cu Chi base camp was quite large and there were probably several thousand GI’s present for the show, most from the field. The stage in the picture was about 50 yards from our …As we continue to combine the operations of the former B & W Mississippi Employees Federal Credit Union (B & W) with Hope Credit Union (HOPE), we wanted to share some important updates and information about your accounts. Here is what you need to know: New Member Number You will have a new member number starting on June 1, 2017.BIRMINGHAM, AL — Today, Hope Enterprise Corporation / Hope Credit Union (HOPE) announced Brandon Pettagrue has joined the organization as Senior Vice President of Community and Economic Development (CED) for the state of Alabama. Based in Birmingham, Mr. Pettagrue brings nearly two decades of American and international banking expertise to ... Comprised of a regional credit union (Hope Credit Union), loan fund (Hope Enterprise Corporation), and policy center (Hope Policy Institute), HOPE has provided financial services, leveraged private and public resources, and shaped policies that have benefited more than 2 million residents in one of the nation’s most persistently poor regions ... Address. 8411 I-30 Little Rock, AR 72209. P: 501-562-1060 F: 501-562-1027Pay Your Consumer Loans Online! HOPE offers members the convenience of taking care of their monthly personal, vehicle, and credit card payments quickly and easily via computer or mobile device. This service also allows HOPE members to use an account at a different financial institution to make a loan payment. Members paying with a HOPE account ...If a member mistakenly reports a transaction as fraudulent, they will need to contact HOPE to notify the credit union to unblock the card and will then need to make the purchase again. Please contact your local branch or our Member Service Center at 1-866-321-4673 if you need assistance.3.5. NerdWallet rating. The bottom line: Hope Credit Union is a Black-owned financial institution. It is Green America Certified and a Community Development Financial Institution, or CDFI. (See ... Hope Credit Union, Jackson, Mississippi. 12,246 likes · 112 talking about this · 43 were here. HOPE is a community development credit union that provides affordable, responsible deposit accounts. To apply for loan forgiveness, go directly to the SBA website (https://directforgiveness.sba.gov). Follow the instructions there to complete your forgiveness application. The forgiveness application process can take up to 60 days, so be sure to take action at least two months prior to the date that your first payment is due.Serving economically distressed Deep South communities, Hope Credit Union works to counter racial disparities that deepen the pandemic’s impact and slow down efforts to create diversity. This community development financial institution works to counter racial disparities in the Deep South that deepen the pandemic’s impact.Jon Mulkin. As Chief Mortgage Officer, Jon Mulkin leads all aspects of HOPE’s mortgage lending operations. A seasoned mortgage executive, Jon has four decades of experience holding various leadership positions including President/CEO at Molton Allen and Williams, President at BancorpSouth Mortgage, President at Compass Bank and BBVA Compass ...Providing Financial Hope and Help for 50 years! We know you. For over 50 years we have instilled hope into your neighbors, family, friends, and coworkers by helping them gain financial freedom. We’ve empowered them to avoid bankruptcy and equipped them to … Address. 470 Commerce Street West Point, MS 39773-7993. P: 662-494-7473 F: 662-494-6886 Nettles refinanced his car through HOPE at a much lower rate, and eventually moved all of his business, including a line of credit and pre-approval for a new mortgage loan, to HOPE. In addition to lower interest rates and better service, HOPE has given Nettles the knowledge and awareness he needs to more efficiently manage his …HOPE is a banking institution that puts your needs first. We provide affordable, responsible deposit accounts and loans to help people save money and keep more of what they make. Financial Statements | Hope Credit UnionA cidade de Penedo em Alagoas é conhecida como a capital do baixo São Francisco e guarda histórias do Brasil colonial. Dessa forma, o local chega a ser mágico …The tech sector has proved resilient. While Ukraine's GDP plummeted nearly 30% in 2022, tech sector revenue rose nearly 1 percent to $7.97 billion and was forecast …HOPE is a banking institution that puts your needs first. We provide affordable, responsible deposit accounts and loans to help people save money and keep more of what they make. Flaming Success | Hope Credit Union25/05/2022 16h15 Atualizado há um ano. Chuva em Penedo, AL, provoca deslizamento de encostas, desabamento de residências e inundações em diversas localidades — Foto: …Partner Spotlight, Hope Credit Union Awarded $2.5 Million, Black Business Ownership Discussion, Shelterforce and more! August 2017. HOPE CEO Receives Award, HOPE Joins Crescent Care, HOPE for West Point, SmartMoney PFM Winner and more! July 2017.Despre Star of Hope. Minsiunea noastră este îmbunătățirea calității vieții copiilor aflați în dificultate, în special a copiilor cu dizabilități, dar si ajutorarea copiilor nevoiași pentru o viață mai bună, astfel încât aceștia să crească și să se dezvolte firesc, într-un climat de demnitate, încredere și de ...Netflix’s New Series Featuring HOPE Members. Netflix is releasing a new video series, Banking on Us! This 3-part series unpacks the systemic barriers facing Black families and business owners to building wealth and features the steps taken by HOPE members to overcome those obstacles. In June 2020, Netflix made a $10 million Transformational ...Vehicle Loans. When you’re ready for a new set of wheels, you’re ready for a loan from HOPE. We offer very low rates and competitive terms. Call or visit your local branch to learn more about financing your car, truck, or SUV. HOPE's Shaw, Mississippi, branch will be closed on Friday, March 8, due to severe weather.Manage your accounts anytime, anywhere from your mobile phone deviceAddress. 3048 Harvester Lane Memphis, TN 38127. P: 901-358-4496 F: 901-358-4518Clip from Bob Hope USO tour Cu Chi Vietnam 1968.DVD series available at Time/Life Address. 350 Woodrow Wilson, Suite 370B Jackson, MS 39213. P: 601-362-8050 F: 601-713-0975 HOPE is a banking institution that puts your needs first. We provide affordable, responsible deposit accounts and loans to help people save money and keep more of what they make. HOPE Mobile – User Guide – Login Screen | Hope Credit Union Address. 3048 Harvester Lane Memphis, TN 38127. P: 901-358-4496 F: 901-358-4518 HOPE is a banking institution that puts your needs first. We provide affordable, responsible deposit accounts and loans to help people save money and keep more of what they make. HOPE Mobile – User Guide – Login Screen | Hope Credit Union HOPE (Hope Enterprise Corporation, Hope Credit Union and Hope Policy Institute) provides financial services; aggregates resources; and engages in advocacy to mitigate the extent to which factors such as race, gender, birthplace and wealth limit one’s ability to prosper. Since 1994, HOPE has generated more than $3.6 billion in financing that ...Conventional Loans. While these loans may require better credit histories and scores, they can offer lower rates and fewer fees. HOPE has lots of experience in making these types of loans to a wide variety of borrowers. HOPE is a banking institution that puts your needs first. We provide affordable, responsible deposit accounts and loans to ... HOPENotes – Winter 2023. Save Money for the Road Ahead: Special Rates Through January 2023. You’re Invited: Sign Up for HOPE’s 2023 Annual Meeting. Make Yourself at Home: 50% Off Fees Now Available Until 3/31/23. Get on the Right Path: GreenPath Financial Wellness. Save Time. Just hold your mobile device over the payment terminal at the store — checkout is a breeze. Pay in an instant when you shop online — simply choose your Hope Credit Union cards from your digital wallet. You can also make quick in-app purchases with your digital wallet. Your digital wallet pulls in your credentials automatically ...After opening a credit union office in Moorhead, HOPE was made aware of the desperate situation in Eastmoor. HOPE secured $3 million from Goldman Sachs to fund the rehabilitation of all 44 remaining homes in the development. HOPE also secured public and philanthropic funds to improve the community’s roads and sidewalks and build a …Hope Cu-Au Project Update Nov 30 2021 07:00 GMT Source: RNS. RNS Number : 9479T. ... The EM survey was designed to look for buried extensions of the Hope and Gorob-Vendome deposit cluster on EPL 5796, as well as testing the extensive …Business Accounts and Loans. HOPE has a long history of providing commercial loans and deposit accounts to small businesses, entrepreneurs, and nonprofit organizations. We have an expertise and a commitment to meeting the needs of institutional members and giving them the resources they need to grow and prosper.Bob Hope cracks jokes to an audience of thousands of GI’s massed in an open-air theater in Cu Chi, 20 miles northeast of Saigon during a 1969 Christmas tour of Vietnam. (Associated Press)Address. 8411 I-30 Little Rock, AR 72209. P: 501-562-1060 F: 501-562-1027Address. 3048 Harvester Lane Memphis, TN 38127. P: 901-358-4496 F: 901-358-4518 Address. 470 Commerce Street West Point, MS 39773-7993. P: 662-494-7473 F: 662-494-6886 Netflix’s New Series Featuring HOPE Members. Netflix is releasing a new video series, Banking on Us! This 3-part series unpacks the systemic barriers facing Black families and business owners to building wealth and features the steps taken by HOPE members to overcome those obstacles. In June 2020, Netflix made a $10 million Transformational ...Louisiana’s Healthy Food Retail Program (HFRP) was established by the Louisiana Legislature to provide fl exible fi nancing for healthy food retailers operating or expanding in underserved communities in Louisiana affected by Hurricanes Gustav and Ike, in both urban and rural areas. The program provides fl exible fi nancing to enable ...Alan P. Branson. Alan Branson is Executive Vice President and Chief Financial Officer for the Hope Enterprise Corporation and Hope Community Credit Union (HOPE), overseeing all HOPE fiscal, IT, data analytics and project management activities. Prior to joining HOPE in 1994, he worked as a commercial banker at Signet Bank, serving small and ...Bob Hope Show Cu Chi 1969 | 25th Infantry Division | Flickr. Back to photostream.HOPE Mobile – User Guide – Share Us. Connect with us on social media and share HOPE with your friends. Click on “Share Us” to follow HOPE on one of our social media channels. Select “Facebook” or “Twitter” to connect directly to the credit union. Choose “Close” to exit the menu. HOPE is a banking institution that puts your ...

Providing Financial Hope and Help for 50 years! We know you. For over 50 years we have instilled hope into your neighbors, family, friends, and coworkers by helping them gain financial freedom. We’ve empowered them to avoid bankruptcy and equipped them to …. Brick and mortar sf

hope cu

13.25% – 18.00%. Credit Limits of Up to $10,000. Credit Builder Loans5. 8.50% – 18.00%. 1All loans subject to credit approval. Rates subject to change. 2 “APR” is Annual Percentage Rate. Actual rates vary based on age of the vehicle or other collateral, borrower credit history, loan-to-value ratios and repayment term. HOPENet Enroll Now. Sign up for HOPENet to manage your accounts online. It’s free and easy. Follow the steps listed here, or call 1-866-321-HOPE (4673) and we’ll help you complete the process. Before you get started, be sure to have your account information handy. HOPE (Hope Enterprise Corporation, Hope Credit Union and Hope Policy Institute) provides financial services; aggregates resources; and engages in advocacy to mitigate the extent to which factors such as race, gender, birthplace and wealth limit one’s ability to prosper. Since 1994, HOPE has generated more than $3.6 billion in financing that ... IMPACT: HOPE is dedicated to transforming the quality of life for people in historically under-resourced Deep South communities by empowering them with financial tools and other means to drive increased economic mobility. SERVICE EXCELLENCE: People in under-resourced communities, those who support our work, and HOPE associates have a right to ... Hope Credit Union headquarters is in Jackson, Mississippi has been serving members since 1995, with 24 branches and 24 ATMs. The Main Office is located at 4 Old River Place, Jackson, Mississippi 39202. Contact Hope at (866) 321-4673. Access Hope Credit Union Login, hours, phone, financials, and additional member resources. A cidade de Penedo possui um centro histórico de significativa importância, formado por conjuntos de logradouros públicos e edificações. Sua paisagem edificada inclui alguns …HOPE is a banking institution that puts your needs first. We provide affordable, responsible deposit accounts and loans to help people save money and keep more of what they make. HOPE Mobile – User Guide – Alerts | Hope Credit UnionSave Time. Just hold your mobile device over the payment terminal at the store — checkout is a breeze. Pay in an instant when you shop online — simply choose your Hope Credit Union cards from your digital wallet. You can also make quick in-app purchases with your digital wallet. Your digital wallet pulls in your credentials automatically ...Personal Loans. April 16th, 2015. HOPE is a banking institution that puts your needs first. We provide affordable, responsible deposit accounts and loans to help people save money and keep more of what they make.A cidade de Penedo possui um centro histórico de significativa importância, formado por conjuntos de logradouros públicos e edificações. Sua paisagem edificada inclui alguns …If you could use a home equity loan, now is a great time to act. If you are not already a homeowner, HOPE has a super offer on home loans. HOPE will pay 50% of all lender and closing agent fees on mortgage loans for all applications made on or before December 31, 2022. 2 Contact your local HOPE mortgage lender. 1 All loans are subject to credit ... 2022 Third Quarter Report. This fall, Hope Credit Union pledged to make $1 billion in financing available to support underbanked families, homebuyers, small businesses, community facilities and otherwise create opportunity across the Deep South. This pledge was made possible with a $92.6 million capital injection by the Treasury Department’s ... “The HOPE staff was warm and hospitable; they answered all my questions,” says Scott. She was approved for HOPE’s Affordable Mortgage Program, which makes homeownership accessible by helping borrowers navigate traditional underwriting requirements. “I did this for my daughter. I told her that if you work hard and keep the …Nettles refinanced his car through HOPE at a much lower rate, and eventually moved all of his business, including a line of credit and pre-approval for a new mortgage loan, to HOPE. In addition to lower interest rates and better service, HOPE has given Nettles the knowledge and awareness he needs to more efficiently manage his …Hope Federal Credit Union is headquartered in Jackson and is the 2 nd largest credit union in the state of Mississippi. It is also the 677 th largest credit union in the nation. It was established in 1995 and as of December of 2023, it had grown to 208 employees and 39,199 members at 25 locations.Hope Federal Credit Union's CD rates …Money Market Account. Give HOPE to others with the flexibility to access your money when you need it, up to six times per month, fee-free. $1,000 minimum to open, earning 0.25% APY*. Ready to inspire HOPE with a Transformational Deposit of $50,000 or more? Contact us so our team can process your deposit.Hope Credit Union is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. Secure your account with a 4-digit passcode or biometric on supported devices. Please call 1-844-375-1808 if you need help getting registered for digital banking or need assistance using the service. We are excited about the launch of our enhanced digital banking suite. To start using our new online and mobile banking tools, there are a few things you will need to complete to get everything up an running smoothly. A cidade de Penedo em Alagoas é conhecida como a capital do baixo São Francisco e guarda histórias do Brasil colonial. Dessa forma, o local chega a ser mágico ….

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