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<strong>PT</strong> – Part time, a term used to describe students attending school with less than a full-time academic workload, as defined by the school.
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<strong>UNCF</strong> – United Negro College Fund. May be found on the world wide web at
www.uncf.org.
<strong>Federal Reserve</strong> – The Federal Reserve Act established 12 banks for holding government reserve funds. The banking industry uses the Federal Reserve system for transferring funds electronically via an overnight process. (See also ACH.)
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