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UPDATEUPDATEUPDATEUPDATEUPDATEQ U A R T E R L Y M E M B E R N E W S L E T T E R

Use Payroll Distribution—FreeIf you are currently paid by direct deposit to an ORNL FCU account, we can help you set up your loan payment by payroll distribution at no charge! Visit your local branch orcall us at 800.676.5328.

Pay from Your ORNL FCU Account through Online Banking—FreePaying from an ORNL FCU account through Online Banking has always been a free and convenient option. Simply transfer the funds from your ORNL FCU account directly to your loan.

Set up Automated Payments through a Branch or Call CenterOur branch and call center staff are always happy to help you. Set up one-time or recurring electronic payments from your ORNL FCU account for free. For a small one-time charge, you can also make those payments from another institution.

With automated payments, you save time and money by eliminating checks, envelopes, stamps, and trips to the branch. Set up your automated payment today through Online Banking, by visiting a branch, or by calling 800.676.5328.

Pay ORNL FCU Loans & Credit Cards—Free & Low-Cost OptionsNeed a more convenient way to pay your ORNL FCU loan or Credit Card? Choose the option below that’s best for you:

PAY ALL OF YOUR BILLS—FREEWe have always been proud to offer Online Banking with Bill Pay included at no charge. Use the service to pay your electric bill, rent, and even the babysitter. It’s easy to use and you’ll have a record of your payments.

Simply set up your payees in the system once, and then each month, enter the payment amount and send. You can even set up recurring payments. With Bill Pay, you are in control.

TECHNOLOGY MAKES PAYING BILLS EASIER AND FASTER THAN EVER

branch updatesRenovations are occurring at ORNL FCU to better accommodate our future growth needs, consolidate back-office operations, and cut leasing expenses. The updates embody the brand image of the Credit Union and will provide members with convenience, access to new technologies, and offer a greater user experience.

In June, the North Branch remodel was completed and welcomed by excited members living in the North Knoxville area. The Kingston and Clinton branches are currently undergoing renovations, while the new Northshore Branch is still in the building process and slated to open in early 2017.

PAGE 2 . . . . . . . . . Nominations Sought for Board of Directors, Learn About & Prevent ATM Skimming

PAGE 3 . . . . . . . . Signs of Financial Abuse, Feast With the Beasts, B.A. Candler Scholarship Awards

PAGE 4 . . . . . . . . . Simplify Your Life with Sprint, Get Involved with Dogwood Arts, Holiday Closings & Events

Vol 51, No 3 Third Quarter, 2016

NEW NORTHSHORE BRANCH

NORTH BRANCH REMODEL

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ATM SKIMMING: WHAT IS IT AND HOW TO AVOID IT

ATM card fraud continues to rise and skimming devices have become an issue nationwide. According to USA Today (April 17, 2016), ATM skimming incidents increased 546% from 2014 to 2015. At ORNL FCU, member safety and security is our number one priority. Because of that, we have put together helpful information to better protect you and your well-earned money.

What is ATM skimming?This type of activity occurs when a false device (skimmer) is installed illegally onto an ATM to steal card data of the users. The information can also be stolen with the use of a key-logging device placed under the PIN pad and/or when an unauthorized camera is placed near an ATM.

How can I help prevent exposure when using my card?1. Always be aware of your surroundings when using any card

machine.

2. When entering your debit card PIN number, shield the entry of the PIN with your hand. Pinhole cameras are often placed above the keypad area.

3. Inspect the device to take notice of anything that may appear suspicious. Report any suspicions to the financial institution or owner of the machine immediately.

4. Never use an ATM, ITM, or any other machine if there is anything that makes you uncomfortable or suspicious.

5. Avoid using card reading machines in poorly lit areas or standalone ATMs that aren’t monitored by surveillance cameras.

There are three positions on the Board of Directors to be filled in 2017, each of which is for a three year term. In order to be considered for nomination, a Qualified Member must return a signed and completed Credit Union Volunteer Application to the attention of Ashley Pegram, Executive Coordinator. Applications may be obtained by contacting Ashley at 865.425.2700 or apegram@ornlfcu.com.

The appointed Nominating Committee, chaired by Sam McKenzie, will select the nominees from the Applications and provide those names to the Secretary of the Board no later than August 19, 2016. After the Nominating Committee has made its selections, an opportunity will also be available for Qualified Members to seek nomination to the Board of Directors by petition. Information about the nomination by petition process will be provided at a later date.

If there are more than three candidates selected for the three available positions, an election will be held prior to the Annual Meeting. Information about the election will also be provided at a later date. Election results will be announced at the 69th Annual Meeting of the Members on March 9, 2017.

NOMINATIONS SOUGHT FOR BOARD OF DIRECTORS

How does ORNL FCU ensure the safety of ATMs and members?

At ORNL Federal Credit Union, we make every effort to keep your information safe and secure in all areas, including at our ATMs. We regularly monitor all our ATMs for skimming devices and/or other illegal activity and have response procedures in place specifically for skimming reports. These procedures allow us to promptly attend to all reported concerns. As always, all of our cards are monitored 24/7/365 for potential fraud and are protected by Visa’s Zero Liability policy. If at any time you believe your card has been compromised in a skimming incident or has been exposed to other fraudulent activity, please contact ORNL FCU immediately.

apegram@ornlfcu.comEmail:

ORNL FCU 215 S. Rutgers Avenue Oak Ridge, TN 37830

Hand Deliver:

ORNL FCU P.O. Box 365 Oak Ridge, TN 37831-0365

Mail:

APPLICATIONS ACCEPTED VIA BELOWNO LATER THAN AUGUST 7, 2016.

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ORNL FCU AWARDS SCHOLARSHIPS TO TWO UTK STUDENTSEach year, ORNL Federal Credit Union awards a $1,000 college scholarship to a member who continues their higher education at the University of Tennessee. For the 2016–2017 school year, the B.A. Candler Scholarship endowment was able to award $1,000 scholarships to two deserving students, Adaya Kirk and William Morrell. This money can be used for tuition, books, or other college related expenses.

The ORNL FCU scholarship program was established in 1993 to honor Bob A. Candler who retired as president of ORNL FCU after 31 years of service. Members who are enrolled or are planning to enroll at the University of Tennessee at Knoxville are eligible to apply each year.

Congratulations Adaya and William!

RECOGNIZING THE SIGNS OF FINANCIAL ABUSE Thousands of elders fall victim to financial fraud every year. According to AARP, Americans age 60 and older lose almost $3 billion a year to scams. In addition, for every fraud case that is reported, 43 are not. Financial abuse can take place in the form of scams, telemarketers, mail, friends, family, and fake charity fundraisers.

signs that may indicate your loved one is in Trouble:

1. Funds and belongings are disappearing from their home, bills are going unpaid, and/or they are confused about financial transactions.

2. Their spending habits have changed, they are secretive about money, they are unable to explain credit card charges, and/or they may request more money from you.

3. A member of the family is not cooperative when explaining their loved one’s finances.

4. A new person has befriended your loved one and has been added on a joint account and/or has been deemed power of attorney.

5. There are no checks and balances for a caregiver who has access to a loved one’s funds.

If you suspect your loved one is a victim of elder financial abuse, call Adult Protective Services at 888.APS.TENN (888.277.8366). In addition, you can place your loved one and their phone number on the National Do Not Call Registry to reduce telemarketing calls at 888.382.1222.

Source: http://blog.aarp.org/2013/07/03/sally-abrahms-elder-financial-abuse-signs/

ZOO KNOXVILLE’S FEAST WITH THE BEAST!Lions, tigers, and bears, OH MY! Zoo Knoxville’s annual Feast with the Beasts event will be on Saturday, August 13th from 7:00–11:00 pm. The event is Zoo Knoxville’s largest fundraiser and will offer attendees the opportunity to enjoy some of our area’s greatest food, beverages, and music while dining with the animals!

Food and beverage vendors will be scattered throughout the Zoo and this year will include Kenny Chesney’s Blue Chair Bay Rum, Buddy’s BBQ, Carolina Ale House, Milo’s Tea, Papa Murphy’s Pizza, and many more! Catch music by The Vibraslaps, Pop Rox, and the Greg Finger Band.

Beginning June 25th, tickets may be purchased at any ORNL FCU branch. ORNL FCU members even receive a $5.00 discount off the normal ticket price! Plus, when you buy nine tickets, you’ll get the tenth ticket free! Ticket price includes all food, drink, and entertainment at the event.

Feast with the Beasts Ticket Price Info

Tickets can also be purchased at the Zoo Knoxville’s ticket window during Zoo hours, online at zooknoxville.org, or by calling 865.637.5331. Because this is a food, wine, and brew event, all attendees must be 21+ and will be required to show a current photo ID when entering the zoo grounds.

ORNL FCU is proud to continue its sponsorship of this annual event and support the Zoo in its mission to celebrate the wonders of the natural world through education, conservation, exhibition, research, and recreation. For more information about Feast with the Beasts, visit zooknoxville.org!

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ORNL FCUMember

$60.00 each Buy 9, Get 1 Free$540.00 (total of 10 tickets)

Non-ORNLFCU Member

$65.00 each Buy 9, Get 1 Free$585.00 (total of 10 tickets)

INDIVIDUAL GROUPAGES 21+

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DIRECTORSMarcy Catron, Chair

Randy Gorman, Vice Chair

Jama Hill, Treasurer

Joel Pearman, Secretary

Leigha EdwardsHarvey GraySam McKenzieJames PayneDebbie Stairs

SUPERVISORY COMMITTEEDavid Watkins, Chair

Gerald Smith, Vice Chair

Mary Beth Blair, Secretary

Mary Kiser

Officials

UPDATE is published quarterly by ORNL Federal Credit Union as an information service to its members. Questions, comments, and suggestions should be sent to:

ORNL Federal Credit Union UPDATE, P.O. Box 365, Oak Ridge, TN 37831.

TELEPHONE: 865.688.9555

OR TOLL-FREE: 800.676.5328

ONLINE BANKING

ORNLFCU.COM

MONDAY, JULY 4TH Independence Day All branches & offices closed.

SATURDAY, AUGUST 13TH Feast with the Beasts Knoxville Zoo • 7PM Details on Page 3.

FRIDAY – SUNDAY AUGUST 26TH – 28TH

Knoxville Film Festival Details above.

MONDAY, SEPTEMBER 5TH Labor Day All branches & offices closed.

HOLIDAY CLOSINGS& EVENTS

LET SPRINT & ORNL FCU SIMPLIFY YOUR LIFE

Federally insured by

NCUA

Although Dogwood Arts’ April events have passed, there are still more opportunities to get involved!

Dogwood Arts’ Art in Public Places (AIPP) is an annual exhibition that features large-scale sculptures that are placed outside. Dogwood Arts began AIPP to not only celebrate large-scale art but our area’s natural beauty.

Did you know that ORNL Federal Credit Union’s Oak Ridge Branch is home to an AIPP sculpture? Drive or stop by the Oak Ridge Branch at 215 S. Rutgers Avenue to see Lunar Eclipse, by Hanna Jurban. For a complete list of AIPP exhibit locations, visit dogwoodarts.com.

And mark your calendars for the annual Knoxville Film Festival, taking place August 26th–28th at Regal Cinemas Downtown West Cinema 8. With attendance expected to exceed 3,000 and 120 submitted films entered this year, this is the largest film festival in the region! The event promises to be a thrilling weekend for all! For more information or to buy your festival passes and film block tickets, visit knoxvillefilmfestival.com.

GET INVOLVED WITH THE DOGWOOD ARTS

We want you to be able to take us wherever you go! We make mobile banking easy with our Online Banking app. You can check your account balance, transfer funds, and more—right from your smartphone!

Don’t have a smartphone yet or are looking to upgrade? Sign up for the Sprint Credit Union Member Discount and you’ll get a 10% discount on select regularly priced Sprint monthly data service.

ORNL FCU’s Mobile Banking and the latest smartphone at a great price from Sprint—two ways we can simplify your life!

Visit ornlfcu.com to see our Mobile Banking options and begin simplifying your life today. Visit LoveMyCreditUnion.org/Sprint to find out how you can get the Sprint Credit Union Member Discount.