When a credit union gives permission to another credit union to use their branches for members to make deposits and cash checks, the credit union is considered .

an acquirer

a member-owner

a stock holder

an issuer

A. member-owner

Explanation: Member-owner is a term used to describe the situation where a credit union or other financial services Organisations gives permission to another credit union or financial services Organisations to use its services to carry out transactions,it is usually accompanied by certain fees. The services may include the use of its office, equipment or other facilities etc to do transactions. Most credit unions transact Businesses through member-owner system it helps to facilitate cordial Relationship between Business owners.

answer: the time zones used to be whatever the local authority wanted them to be. one town might have 6am whenever the sun came up and another town had 6am 10 minutes later.  

the trains had a hard time when their orders said to be at a certain point at 6am.  

6am, but who's 6am.  

the railroads got together and set the time zones more or less along the longitude lines across the country.

explanation: