Exceeding Our Members’ Expectations, One Member At A Time.

2001 Annual ReportFor the year ending December 31, 2001

Annual Report2001

1

IT MATTERS TO US HOW WELL YOU ARE BEING SERVED.

With an uncountable number of financial firms courting members in today’s

competitive world, we understand the need to work hard to earn and retain your

attention and your trust. Factors in your financial decisions probably include how much

services cost, or how convenient those services are to use, or both. But, differences in

cost or convenience can be overshadowed by one thing: service, how well you are

being served.

ORNL Federal Credit Union has a 54-year history of service to you and your

family, friends and co-workers. Over that period, our cooperative structure

permitted us to provide you with advantageous pricing of services, not to mention a

voice and a vote in our operation. Also, we have reached out with a still-growing

network of branches and ATMs providing convenient access to your money.

Toll-free telephone service and Internet-accessible services continue to enhance our

convenience to you.

Even with these obvious advantages over competitors, both new and old, we

understand the need for you to be served in a courteous and efficient manner. We

believe our record on this, while not perfect, has been good. But, we also believe it

can be and should be much, much better.

As we begin our 55th year, we are dedicating our attention to developing a level

of service that not only meets your expectations but also exceeds them. The

achievement of this level of service is our credit union’s vision. Every employee and

every volunteer is ready to rise to this lofty challenge. Service may be the key to our

success today, but great service is the key to your continued loyalty, trust and

support in the years ahead.

2

Chairman’s Report2001 ANNUAL REPORT

year of enormous change is a fitting description of the year 2001 at your credit union. Although we

have faced ongoing change year in and year out since our 1948 beginnings, 2001 was a year of extremes. The bottom line for this past year…our financial performance wasvery good, indeed.

With a recession on the horizon early in the year, ORNL Federal Credit Union successfully posted good growthacross the board. From consumer lending, business lending,and home mortgages to checking accounts and savings certificates, we experienced substantial growth. All in all, our yearlong performance produced solid earnings for our organization.

Here’s a quick rundown of the past year’s major areas of growth:

Eligible residents of East Tennessee continued to discoverthe advantages of membership in ORNL Federal CreditUnion. The hundreds of new members who joined each and every month produced a 4.35% net increase in total membership during the year. Total membership at yearend was 75,778, a net increase of 3,402 members during 2001.

The continued decline of the stock market and its subsequent effect on mutual fund values caused thousands ofmembers to retreat to the security of insured savings accountsand certificates at ORNL FCU. Even with our own interestrates falling to historic lows, deposits grew by $36.4 million,or 8%. At yearend 2001, our deposits totaled $492.6 million.

Falling interest rates during the year produced some bargains for members who borrowed, and many of them took full advantage of the savings by financing cars and otherlarge-ticket consumer items. We recorded a year of solidgrowth as loans outstanding advanced $28.1 million, or 7.6%,to finish the year at $399.1 million.

Growth in all the areas mentioned above produced a healthy improvement in your credit union’s financialstanding. During 2001, total assets of ORNL FCU grew by$51 million, or 9.65%, to a yearend total of $580.3 million.

Ambitious plans for 2001, as well as unexpected changes in a major service alliance, had our staff hustling from the start. At the outset of the new year, we learned that First Tennessee Bank, our ATM processor, sold their extensiveMoney Belt ATM Network to Genpass, a Dallas, Texas-based,ATM service provider. The fallout from this transaction was felt by credit unions and banks throughout Tennessee and surrounding states.

Conversion to the Genpass system was a long, tediousprocess in which countless problems had to be identified and

resolved. In addition, the sale of Money Belt sent all participating financial institutions scrambling to deal with asudden loss of large numbers of surcharge-free machines.

ORNL Federal Credit Union addressed the reduction ofsurcharge-free machines on several fronts. Along with dozensof other credit unions in East Tennessee, we formed an ATMsurcharge-free alliance, known as Easy Street. To bolster convenient access to ATMs, we began deploying additionalmachines in the Greater Knoxville area. Finally, we contractedfor members to have surcharge-free access to a large number ofATMs located in Weigel’s stores throughout the area.

We know that convenient access to fee-free ATMs is something very important to all members. We are committedto doing whatever is necessary to ensure that this access continues and grows in the years ahead.

First on our list of needs for the year was additional office space for support personnel. The matter was addressedthrough the purchase of an existing building in Oak Ridgeearly in the year. The building at 301 Broadway was extensively remodeled before we moved our Accounting and Operations Departments into it in June.

In the same month, we opened our newest branch office inthe Oak Ridge Wal-Mart Super Center. This new office is ourfirst venture into the area of retail branching. From its firstday, the branch has been a huge success. With extended hours,our Wal-Mart branch extends the availability of in-personcredit union service well into the evening on weekdays and Saturdays.

Another branch project completed during the year was the construction of a new facility in Farragut, where we haveoperated a branch office since 1987. Located in the VillageGreen Shopping Center, our storefront office was situated in the center of our highest concentration of members anywhere. The new facility maintains that convenience. It is located on Municipal Center Drive, across from theFarragut Town Hall and next door to the U.S. Post Office.

The modern Farragut facility opened in early September.Members immediately embraced the added convenience of safe deposit boxes, drive-through teller windows and a drive-up ATM.

Another "construction" project of great importance wascompleted in the autumn of 2001 to improve service and

A

ORNL Federal Credit Unionsuccessfully posted good growth across the board.

3

convenience to members who prefer to do business with thecredit union on a remote basis. Our electronic branch, or e-Branch, as it is known internally, was created and located onthe second floor of our Oak Ridge Rutgers Avenue building.

e-Branch is actually a new department that is responsiblefor all of our electronic and remote access services. The centerpiece of the department is our Contact Center whichmanages all incoming telephone calls for all offices. TheContact Center can handle most requested transactions,including loan applications. The highly skilled staff has drastically reduced the amount of time in which members canapply for and receive proceeds from a loan. Improved and newtechnology also has helped all of our Contact Center employees aid and assist members with a wide variety ofrequests and needs.

Other e-Branch services include: credit and debit card setup, processing and support; CyberBranch:™ ComputerAccess setup and maintenance; CyberBranch:™ TelephoneAccess maintenance; web site e-mail and application support;and ACH transactions, such as, direct deposit and other electronic financial settlements.

One of our growing electronic services is our Web Bill Pay service. This past year, we upgraded the service to improve onits already user-friendly design and function. Paying bills electronically is gaining popular appeal, and our Web Bill Payservice is among the most affordable around. It’s available toeveryone who enrolls in our CyberBranch: Computer Accessservice, and its cost is 50 cents per item paid. You pay only ifyou use the service and only for the number of bills you process.

Our upgrade of Web Bill Pay included the addition of an important enhancement…electronic billing, or e-billing. Also growing in popularity, e-billing allows members to receive regular bills electronically instead of the traditional, mailed statement or invoice. Members are notified by e-mail when an e-bill arrives. Right now, e-billing is limited to bills for credit union-issued credit cards. However, during 2002, it will be expanded to includeany merchant who possesses the technological capabilities topresent bills electronically.

We view e-Branch as our commitment to the future of financial service delivery. As it expands and adds services

and features during the coming year, you and other memberswill discover and enjoy the convenience of conducting business with your credit union anytime and anywhere.

The past year was extremely busy in the area of adding new services and enhancing existing services:

Expenses associated with the purchase of a new car can really add up, especially if you purchase extended warranty service. After a diligent search, your credit union found a program that offers extended protection at an affordable price.In March, we introduced our Vehicle Service Agreement program that permits members to purchase extended warranty service on new or used vehicles they own. Already,we have been able to offer superior service to members at aprice that saves hundreds of dollars for those who purchase it.

Since thousands of members have taken advantage of our popular Christmas Savings Account each of the past20 or so years, this year we decided to expand this successfulsavings concept to another annual event for which memberscommonly save…the family vacation. Our new VacationSavings Account operates exactly as the Christmas SavingsAccount. Members agree to make regular deposits into theaccount, and then the credit union automatically transfers the accumulated funds to members’ checking accounts each yearon April 30. Thus far, hundreds of members are participating, and we expect the popularity of this valuable savings service to grow each year.

In September, we introduced another insurance program to members, our new Guaranteed Auto Protection (GAP)program. It’s not uncommon formany members to owe more on a car than the car’s actual market value.

We view e-Branch as our commitment to the future of financial service delivery.

The key to our success is earning and

keeping the loyalty of you, our members.

4

Our GAP program, when purchased, will pay the differencebetween the actual cash value of a totaled or stolen vehicle andyour outstanding loan balance. It also pays your primary insurance deductible, up to $1,000, plus $1,000 toward thepurchase of your next automobile. It’s added peace of mind formembers who want total protection against financial loss.

In November, we expanded our line of Home Equity Loansto include a new Education HELOC. As its name implies, theEducation HELOC is designed for members’ use in financingthe substantial cost of higher education while realizing substantial savings in interest charges.

Our final new service introduction for the year 2001 was the VISA Platinum credit card program. This prestigious newcard offers members an impressive array of added features, plusa very attractive fixed interest rate. In addition, our programprovides members with two options: a fee-free card or a cardoffering a reward feature for only $30 per year. The PlatinumRewards program permits members to accumulate points forevery dollar charged. These points can then be redeemed forvaluable merchandise, for airline miles, or even for rate discounts on consumer loans through the credit union. In thefew months since the VISA Platinum’s introduction, over1,000 members have opted to include it in their wallets.

We can’t emphasize enough how important member feedback is to our continued success as an organization. That’swhy we go to the expense of conducting a comprehensivemembership survey each and every year. Results from our2001 survey indicate that, overall, members are generally satisfied with the service we provide. The survey also gives usvaluable insight into what members want and need from theircredit union. This survey, however, is only one of many toolswe use to ensure that members’ needs are being met. The mostimportant feedback we can receive from you and all membersis direct, immediate comments, suggestions and complaintsthroughout the year. This is your credit union, and we want tohear from you regularly.

ORNL Federal Credit Union is now a very large financialservice provider in the East Tennessee area. Like any otherbusiness or organization our size, we recognize the responsibility not only to our members but to the communities in which we have a presence. As part of ourongoing effort to meet our corporate citizen responsibilities,we provide both financial and manpower support to charitable organizations that benefit all residents of our communities. In addition, we provide much-needed support

for area schools and community youth sports programs. Thesepractices ensure that we are doing our part to help improve thequality of life that members enjoy in East Tennessee.

The events that changed the world on September 11 profoundly affected all of our employees and officials. Likeeveryone else, we struggled to do what we could to help thosewho were directly affected and, like everyone else, we resumedour normal lives as best we could. Although the tragedy of thathorrible day left many emotional scars, the wounds to ourfinancial system were superficial. Just like our country, we atORNL Federal Credit Union remain strong and we are determined to continue to do all we can to improve the livesof those we serve.

New and exciting things are in the works for 2002. Finally, we are putting the finishing touches on a long-overdue expansion and remodeling of our oldest and most overcrowded branch, our North Knoxville office on Victor Drive. With a remote drive-through and 1,500 squarefeet of additional space, this updated facility is now on a par with our newest, most modern branch buildings. Weappreciate the understanding and patience shown by membersin the North Knoxville area as we worked out a final plan toimprove service to them.

Branch plans extend beyond the impending completion of our North Knoxville branch project. Plans are in place topurchase a future building site in the Powell/Halls area. Inaddition, we are studying the feasibility of opening a couple of new storefront branches in Knoxville during the year.

During the coming year, we also plan to continue expanding and improving service to members. We’ll be exploiting high tech features of our upgraded telecommunications system and we’ll be enhancing the capabilities of our Internet-based services to make them more attractive and useful to a greater number of members.

Our most valuable asset is a highly trained and motivatedstaff. Over the course of the coming year, we’ll be investing inelevating their skills with a focus on providing a higher level ofpersonal service to members. The centerpiece of this initiative is our newlyadopted vision statement: Exceeding ourmembers’ expectations, one member at a time.We plan to work diligently toward realizingthis vision because we understand that it isthe key to our success in earning and keeping the loyalty of you, our members.

Chairman’s Report Continued

…we recognize the responsibilitynot only to our members but to

the communities in which we have a presence.

…we are doing our part to help improve the quality

of life that members enjoy in East Tennessee.

5

STATEMENT OF INCOME AND EXPENSE 2000 2001

INCOME

Income on Loans $29,115,448 $31,250,355Income on Investments $6,888,259 $7,254,437Other Income from Operations $3,644,892 $4,019,790Non-operating Gains $450,031 $108,102

TOTAL INCOME $40,098,630 $42,632,684

EXPENSES

Compensation $6,354,270 $7,239,647Employee Benefits $1,997,703 $2,061,372Travel, Conference & Training $159,997 $211,440Association Dues $48,450 $67,213Office Occupancy $1,102,038 $1,272,244Office Operations $2,996,643 $3,222,602Education and Promotion $607,976 $795,857Loan Servicing $569,977 $571,991Professional and Outside Services $1,742,132 $2,288,669Provision for Loan Losses $891,866 $1,507,923Federal Supervision and Examination $139,916 $116,366Interest on Borrowed Money $462,603 $386,269Annual Meeting $35,872 $37,379Miscellaneous $229,740 $290,841

TOTAL EXPENSES $17,339,183 $20,069,813

DIVIDENDS AND INTEREST $17,819,793 $17,453,208PAID TO MEMBERS

NET INCOME TO RESERVES $4,939,654 $5,109,663

BALANCE SHEET 2000 2001

ASSETS

Real Estate $193,911,548 $205,834,641Auto Loans $113,067,326 $117,134,708Member Business Loans $8,593,671 $16,515,874Other Loans $56,977,854 $61,379,440Allowance for Loan Losses ($1,583,276) ($1,748,223)

TOTAL LOANS $370,967,123 $399,116,440

Accounts Receivable $321,419 $470,689Cash $14,703,728 $14,412,827

Investments $122,224,498 $142,258,242Accrued Income $2,704,441 $2,618,840Deposit in NCUSIF $4,105,841 $4,439,866Land, Building & Equipment $13,114,700 $15,554,161All other Assets $1,129,926 $1,491,862

TOTAL ASSETS $529,271,676 $580,362,927

LIABILITIES & EQUITY

Accounts Payable $3,758,843 $6,616,281Notes Payable $6,314,029 $10,628,182Accrued Expenses $440,450 $874,899

Shares $209,067,990 $254,353,893Share Drafts $63,299,531 $67,047,779Certificates $183,820,309 $171,202,634

TOTAL DEPOSITS $456,187,830 $492,604,306

Reserves $62,570,524 $69,639,259

TOTAL CAPITAL $62,570,524 $69,639,259

TOTAL LIABILITIES $529,271,676 $580,362,927& EQUITY

Real Estate Loans Sold $24,580,683 $40,211,893

Treasurer’s Report2001 ANNUAL REPORT

6

$600

500

400

300

200

100

01997 1998 1999 2000 2001 1997 1998 1999 2000 2001

$500

400

300

200

100

0

(in millions) (in millions)

580.3492.6

Treasurer’s ReportContinued

7

1997 1998 1999 2000 2001 1997 1998 1999 2000 2001

$400

350

300

250

200

150

100

50

0

80

70

60

50

40

30

20

10

0

(in millions) (in thousands)

399.1

75.8

Our Mission

Enabling Our Members To Achieve Their Financial Goals

By Being There, When, Where, And How They Need Us.

8

The Supervisory Committee, appointed by theBoard of Directors, is responsible for making sure thecredit union's financial records are in order and thatinternal controls are in place to protect the assets of thecredit union and its members. The committee does this by conducting an annual financial audit and by regular testing of internal controls.

To assist us in carrying out these responsibilitiesthis past year, the committee engaged the firm of Petersand Associates to perform an independent audit and to provide an opinion on the financial condition of your credit union for the period ending December 31, 2001. The goals of this audit were to determine the reliability and integrity of the financial and operating information and to determinecompliance with generally accepted accounting principles (GAAP). The audit is nearing completion as this report is being written. Audit findings are helpful in our oversight activities.

An Internal Audit Program, under the direction of the Supervisory Committee, provides an ongoingreview of compliance with policies and procedures.This program includes inspection of investments, cash,

member loans and other assets of your credit union.The audit program for the year was completed asplanned with no unresolved issues.

The committee also followed and offered guidanceto our internal auditing function during the year toensure a reliable Electronic Data Processing System,improved Safety Deposit Box Procedures, initiation of an Ethics Hot Line for employees, and the BankSecrecy Act audit. It may be of interest to note that your credit union assisted the federal Office of Foreign Assets in keeping a watch for possible front accounts. Front accounts can be used to passmoney to those hostile to the US.

The National Credit Union Administration(NCUA), our federal oversight agency, also conductedan annual examination evaluating the credit union oncapital adequacy, asset quality, management, earnings,and liquidity management. The results of this examination found ORNL Federal Credit Union to be a fundamentally sound and stable institution.

The issues or observations noted in these reviews were addressed promptly and corrected in the normalcourse of business.

Herb DebbanMerle L. KeeverWanda McCroskyMason Oakes

Nominating Committee

Roy F. Pruett, Chairman

Charles Kirkpatrick

Mary Lou Whitten

NominatingCOMMITTEE REPORT

The ORNL Federal Credit Union

Nominating Committee reviewed the

qualifications of members who submitted

their names for consideration as candidates

for the Board of Directors. We hereby

nominate the following four individuals

(listed in alphabetical order) for the three

positions to be filled by the election at our

credit union’s 54th Annual Meeting on

March 14, 2002.

SupervisoryCOMMITTEE REPORT

9

1 CALL TO ORDER

a. Welcome b. Quorum determination c. Final call for ballots

2 MINUTES OF THE 53RD ANNUAL MEETING

3REPORTS

a. Chairman b. Treasurer c. Supervisory Committee

4OLD BUSINESS

5NEW BUSINESS

6DRAWING FOR DOOR PRIZES

7ADJOURNMENT

54th Annual MeetingAGENDA

1. Call to Order

a. Welcome. The 53rd Annual Meeting of the ORNL Federal Credit Union was called to order at 7:30PM by Mason Oakes, Chairman of the Board of Directors. Members from Boy Scout Troop No. 328 displayed colors, under the leadership of Scoutmaster John Moore. Scouts were Micheal Owsley, Jim Johnston and Russ Christenson. Fourth grade students from our partner-in-education, Woodland Elementary School, sang several songs, including the national anthem. The group was under the direction of music teacher, Susie Carden.

Oakes introduced President/CEO John D. McKittrick, current board members and members of the Supervisory Committee. He thanked members of other committees and volunteers as listed in the printed report.

b. Quorum Determination. There were 627 members present, more than enough to constitute a quorum.

2. Minutes of the 52nd Annual Meeting

A motion passed to approve the minutes.

3. Elections

a. Report of the Nominating Committee. Members of the committee were Roy F. Pruett, Chairman; Bob Van Hook and Mary Lou Whitten. In Pruett’s absence, Whitten introduced the following nominees for the Board of Directors:

Herb Debban Marcella C. SissomJames Drewry Ben B. SmithMerle Keever Mary Yoder

b. Election of Officials.

Chairman Oakes explained that three positions are available for three-year terms. He asked members to mark their ballots, which would be counted by the Supervisory Committee during the audiovisual presentation.

A 12-minute audiovisual presentation on the credit union’s activities during 2000 was shown. Oakes expressed appreciation to Bill Pollock for operating the sound system. He thanked Marketing Department members, Larry Jones, Debra King and Tom Wright, for the excellent audiovisual report.

Mason Oakes later announced the election of Ben B. Smith, Marcella C. Sissom and James E. Drewry. Vote counts were:

Ben B. Smith 369 Herb L. Debban 200Marcella C. Sissom 279 Merle L. Keever 198James E. Drewry 219 Mary Yoder 185

4. Reports

a. Chairman. Mason Oakes referred to the printed report and to the audiovisual presentation. He called for questions, but there were none.

b. Treasurer. Marcella Sissom referred to the printed report and called for questions, but there were none.

c. Supervisory Committee. David Watkins referred to the committee’s printed report and noted that he wanted to add a couple of comments. First of all, the third-party financial audit has been completed. This means that our financial statements conform to generally accepted accounting principles and fairly represent the credit union’s financial condition. There were no reportable conditions or material findings noted in this report. The results of this audit and the other reviews performed this past year reflect the credit union’s satisfactory financial condition and operating controls.

Minutesof the 53rd Annual Meeting on March 8, 2001

10

11

Watkins stated further that this is a good time to acknowledge the support given by the Board of Directors, management team and staff to the Supervisory Committee and the Internal Audit program. This support enables the Committee to effectively focus on its assigned responsibilities. And, on a personal note, he thanked the Internal Audit Department and fellow committee members for their dedicated effort in their oversight activities.

5. Old Business

None.

6. New Business

Board Member Ben Smith and Chairman Oakes presented a gift of appreciation to retiring board member, Sam Gheesling, who has been on the board for 13 years.

7. Drawing of Door Prizes.

Twenty-nine prizes totaling $1,500 were awarded by drawing names of attending members. Names were drawn from the barrel by Tyler King, son of members Mark and Melissa King. Frank Kolski conducted the drawing, assisted by board members, Joe Setaro and Marcy Sissom. The winners were:

8. Adjournment.

The meeting was adjourned at 8:30PM, after which a reception, catered by Judy Dodd, was held for members in the High School Cafeteria.

$100 Corrietta Nitzberg$100 Becca McKittrick$100 Zachary Howard$100 Linwood S. Smith$100 Wanda B. Gallaghar$100 Jeffrey H. Mason$100 Frank Kolski$50 Jerrianne K. Reagan$50 Ronald G. Grizzle$50 Mallory L. Keever

$50 Lee Ann Starnes$50 Gerald M. Slaughter$50 Jo Anne Roberts$50 Judy A. Clevinger$50 H. Lloyd Wattenbarger$50 David M. Howard$50 T. Blake Whittaker$25 W. K. Forrester$25 Steven Jaret Dowker$25 Virginia M. Forsberg

$25 Jacob Howard$25 Tom R. Lemons$25 Wilton R. Osborn$25 Joyce Ferguson$25 Mary Anthony$25 Donna E. Richardson$25 John T. Etheridge$25 Daniel M. Slagle$25 Jacquelyn Jacoby

After the cash prizes were awarded, a name was drawn to receive a $500 mutual fund award given by Member Financial Services. Juanita B. Hill was the winner of the award.

All names were then returned to the barrel before the drawing for the grand prize, which was a $1,500 travel gift certificate from American Express World Travel of Knoxville. Linda Setaro was the winner of the grand prize.

12

2001 Officials

BOARD OF DIRECTORSMason Oakes, ChairmanJoseph A. Setaro, Vice-ChairmanMarcella C. Sissom, TreasurerWanda McCrosky, SecretaryMary Beth BlairJames DrewryJenny L. KellerBettie D. KurtzBen B. Smith

Mary Helen Rose, Recording Secretary

SUPERVISORY COMMITTEEDon R. Miller, ChairmanEvelyn F. AngelRandy W. GormanWilliam J. McClainDavid A. Watkins

NOMINATING COMMITTEERoy F. Pruett, ChairmanCharles KirkpatrickMary Lou Whitten

INTERNAL POLICY COMMITTEEJoseph A. Setaro, ChairmanBettie D. KurtzWanda McCroskyMarcella C. SissomBen B. Smith

POLICY COMMITTEEWanda McCrosky, ChairmanMary Beth BlairJames DrewryMerle KeeverBen B. Smith

MEMBER APPEALS COMMITTEEMary Beth Blair, ChairmanSam E. GheeslingIsabell R. HuieWanda McCrosky

BUILDING AND PLANNING COMMITTEEJenny L. Keller, ChairmanHerb DebbanFrank J. KolskiWanda McCroskyJoseph A. SetaroBen B. Smith

EMPLOYEE SAVINGS AND RETIREMENT PLANS COMMITTEE

Mason Oakes, ChairmanMary Beth Blair R. M. FarnhamSally A. JaunsenJenny L. KellerMary Yoder

LEGISLATIVE AND GOVERNMENTAL AFFAIRS COMMITTEE

Bettie D. Kurtz, ChairmanMerle KeeverJoseph A. SetaroBen B. Smith

13

John D. McKittrick President

Dennis A. BowkerSenior Vice-President

Robert A. GlennSenior Vice-President

R. Taylor ScottSenior Vice-President

Maxine W. AllenVice-President, Mortgage Lending

David R. FarmerVice-President, Branch Operations

Larry A. JonesVice-President, Marketing and e-Branch Operations

Clay KearleyVice-President, Consumer Lending

Brenda OwensbyVice-President, Human Resources

C. Ed SamselVice-President, Member Business Services, MFS, and Facilities

Andrea GriffittsAssistant Vice-President, Internal Auditor

Linda MorrisAssistant Vice-President, Controller

Linda TrotterchaudAssistant Vice-President, Loan Servicing and Collections

Scott TurnerAssistant Vice President, Information Services Manager

Debra BrownClinton Branch Manager

Dawn BrummettSales Manager

Dan Carmichael, Jr.Facilities Manager

Janita ClausellOak Ridge Branch Manager

Alan DavisMaryville Branch Manager

Carol DockhamTraining Manager

Jean EilerAdministrative Assistant, Security, Bonds

Stacy FosterOperations Manager

Catherine HaughtonMortgage Lending Manager

Allen HoltFarragut Branch Manager

Susan JohnsonAccounting Manager

Susie JonesFloating Branch Manager

Nancy LaCroixConsumer Loan Approval Group Manager

Michelle LeachFountain City Branch Manager

Melissa McMahane-Branch Manager

Leigha StewartWest Knoxville Branch Manager

Martha StoryNorth Knoxville Branch Manager

Don ThalerLenoir City Branch Manager

Harriet WalkerKingston Branch Manager

Melanie WalshStaffing Manager

Kathy WeilerOak Ridge Wal-Mart Branch Manager

Sue WestKarns Branch Manager

Management Staff

Oak Ridge Main Office221 South Rutgers Avenue

Oak Ridge Wal-Mart Branch373 South Illinois Avenue

Clinton Branch1117 North Charles Seivers Boulevard

Farragut Branch11405 Municipal Center Drive

Fountain City Branch4330 North Broadway

Karns Branch7228 Oak Ridge Highway

Kingston Branch1204 North Kentucky Street

North Knoxville Branch808 Victor Drive

West Knoxville Branch8721 Kingston Pike

Lenoir City Branch 895 Highway 321 North

Maryville Branch1743 West Broadway

Phone (all locations)865.688.9555

Toll-Free800.676.5328

www.ornlfcu.comNational Credit Union Administration,

a U.S. Government Agency.

NCUAYour savings insured to 100,000

EQUAL HOUSINGOPPORTUNITY

Designed by Reed Advertising RA02031 1.5M 3/02