Your Account is secured by the designated shares you have in a share account, be it an individual or joint account. You may not withdraw amounts that have been specifically pledged to secure your Credit Card Account until the Credit Union agrees to release all or part of the pledged amount.
The difference between acronyms and shorthand is that with acronyms, (for example, 'ESP' is an initialism for 'extra sensory perception' whereas 'esp. The online practice is to refer to shorthand, initialisms, or abbreviations as acronyms.
The majority of the expressions you see above are not acronyms, but rather shorthand used while text messaging or IMing.
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