Financial Security with Membership Benefits

Transcription

1 Finncil Security with Membership Benefits Truth in Svings Disclosure With s, Fees, Chrges EFFECTIVE )(%58$5< APRIL 1, 2015, 201 to JUNE 30, 2015 Ok Ridge, Tennessee Fee The rtes terms to ccount t Credit Union Ok Ridge, TN re provided in this Fee. The Credit offer orrtes rtes ccounts from from time totime time.to time. The Credit UnionUnion mymy offer or se se ccounts ACCOUNT TYPE BALANCE BALANCE REQUIREMENTS REQUIREMENTS DIVIDENDS DIVIDENDS /An / An- s nul Compunded Compounded Lst Declrtion Dte s Credited ACCOUNT ACCOUNT LIMITATIONS LIMITATIONS Bl- Minimum BlBl- Minimum Opening MinimumAvoid nce to Ern Ern nce to Deposit Method ServiceFee Stted stted APY APY Service Fee See Section 6 Free Free / -00- Opportunity Opportunity / -00- $ $ Premier Premier.03% /.03%.03% Premier Premier / %.03% /.03% 55 // $5, $5, %.15% /.15% $2, $2, %.20% //.20%.20%.25% /.25%.25%.25%.30% /.30%.30%.30% $25, $25, $75, $75, $100, $100, $5, $5, endr dy of period ends on lst clendr dy of Accrul of s - For Premier, 55 s, $ s begin to ccrue on csh non-csh deposits (e.g. checks) on business dy you mke deposit to ccount. If you close c.03% /.03% $15, count bee ccrued s re credited, ccrued s not be pid. 1. Inmtion - The Annul is percentge rte tht reflects totl mount of s to be pid on n ccount bsed on divi- 5. Inmtion - The minimum requirements to ech Compounding Crediting- The compounding crediting of s dend rte frequency of compounding n nnul For Premier 3. ccount re set th in. Forset th Convenience, to ech ccount re in. The ccounts described in this Fee re shre ccounts. You my qulify, contct Annul is re periodisof time t dily end of whichrequired n ccount erns dditionl rewrds bsed on55 reltionship here. Plese credit union Premier minimum to void service my chnge monthly s determined by Asset/Libility Committee. For more inmtion. fee For Premier, 55, Ac, Annul my count, re is minimum dily to obtin Annul 1. Inmtionof sfor Premier, required 55 s, s chnge dily s determined by Asset/Libility Committee. The 4. Accrul totl mount of s to be pid on n bsed on rtes rte tht begin on csh non-csh depositsdily (e.g. checks) is onnot met, business to ccrue If minimum you dy prospective s Annul s reccount yields frequency compounding n nnul For Premier, 55 you stted depositannul to ccount. If you close ccount bee ccrued not mke ern. Using method,divi CreditofUnion nticiptes pying If, High or Checking Annul dends re credited, ccrued s not be pid. Premier 55 is $4,999 or below, first div Premier, 55, s, s re clculted my chnge monthly s determined by Asset/Libility Committee. For idend Annul this ccount in inmtionthe minimum requirements to ech in ccount ech dy. ccount by ing dily periodic rte to principl, Annul my chnge 5. Premier or 55 is 6. re set th in -. For Convenience, Premier Acdily s determined by If Asset/Libilty Committee. The s An Limittions For, ny withdrwls less thn count re is minimum dily required to void service fee $5,000 or higher, second ntici nul s re prospective rtes Annul yields tht Credit Union $ my be subject to 55, fee. Debit crd trnsctions my beissubject to mxi For Premier,, re minimum dily this ccount If in 55 flls below ptes pying If Premier or 55 Acmum dily trnsction limits $ ATM withdrwls, Point required to obtin of Annul If $1,000, no s be pid on this ccount peminimum is not you uthoriztions not ern stted. of-sle, dily $5, met, signture up Annul to dily mximum of riod. If in is $2, to $24,999.00, first this ccount If Premier or Using method, Premier, 55, s, $5,515.00, provided re re sufficient funds in ccount. For Opportunity isannul this in 55 $5,000 or higher, second ccount Annul Percents re clculted by ing dily periodic rte to principl in ccount ge this ccount If in 55 flls Apply. If is $25, to, ech dy. dily trnsction limits re $ ATM withdrwls, $ Pointbelow $1,000, no s be pid on this $74,999.99, second ccount Annul pein of-sle, $ signture uthoriztions up to dily mximum of $610.00, If is 6. For, ny withdrwls less thn provided Limittionsre re sufficient funds in ccount. dend Annul this ccount in $ my b e subject t o fee. Debit crd trnsctions my be subject to mximum $75, or higher, third Annul 55: Requirements If High Checking is $15, or higher, 7. dily trnsctions limits to $ ATM55withdrwls, $2, Point-of-Sle, in If in second on this ccount If Must be t uthoriztions lest 55 yersup oldto dily mximum of $5, provided $5, signture flls below $2,500.00, no Annul s be pid this ccount Must be retired Once prticulr rnge is met, to 70 (free checking) no s be pid. If bllimits re $ ATM withdrwls, $ Point-of-Sle, $ sig Must hve direct deposit of socil security, or or retirement Annul tht rnge to full of ccount. funds/income this ccount in If blfunds in ccount. Specil services re vilble with 55 ccount. These specil services is $25, to $74,999.99, Annul Percent2. nce Nture of s - s resecond pid from current income vilble 7. 55: Requirements 55 ge trnsfers to reserves If include: ernings fterinrequired t end of is Must be t lest 55 yers old $75, or higher, third Annul in Credit Union Custom Check (one box per yer) t no Must hve direct deposit of socil security, or clendr or retirement If in flls below 3. Compounding Crediting - The compounding crediting of dditionl chrge funds/income $2,500.00, no s be pid on this ccount s to ech re set th in Specil services re vilble 55 ccount. These specil services Orders twith no chrge Once prticulr rnge is met, ccount Annul include: The is period time t end of which tht. rnge to full of of ccount. Credit Union Custom Check (one box per clendr yer) t no dditionl n ccount erns credit. The begins on first cl2. Nture of s- s re pid from current income vilble ernings chrge 29820dsd5 D3000 fter required trnsfers to reserves t end1993, of 2000 CUNA Mutul Business Services, Inc. Orders t no chrge Rev 10/11 Except s specificlly described, following disclosures to ll of ccounts. High 4. All ccounts described in this /Fee re shre ccounts. 1.65% 1.65% You my qulify dditionl rewrds bsed on reltionship here. Plese contct credit union more inmtion. High

2 Y-12 FEDERAL CREDIT UNION Member Privilege Disclosure SM An insufficient could result in severl wys, such s (1) pyment of checks, in-person withdrwls, ATM withdrwls, or or electronic mens; (2) pyment uthorized by you; (3) return of unpid items deposited by you; (4) ssessment of service chrges; or (5) deposit of items which, ccording to credit union s Funds Avilbility Policy, re treted s not yet vilble or finlly pid. We re not obligted to py ny item presented pyment if ccount does not contin sufficient funds. However, if you mintin ccount in good sting (defined s mking regulr deposits bringing ccount to positive s of end of business dy t lest once every 30 dys) re re no legl orders outsting, we my pprove resonble overdrfts s non-contrctul courtesy. You my opt out of privilege t ny time, but you re responsible ny overdrwn s t time of opting out. Normlly, we not pprove n overdrft you in excess of predetermined overdrft limit ssigned to ccount type. So s not to exceed limit, you should note tht mount of overdrft plus credit union strd NSF fee (per item) be deducted from overdrft limit. We my refuse to py n overdrft you t ny time, even though we my hve previously pid overdrfts you. Your sttement reflect ny non-sufficient funds items pid or returned; however, we hve no obligtion to notify you bee we py or return ny item. The mount of ny overdrft plus our non-sufficient funds hling fee(s) tht you owe us shll be due pyble upon dem. If re is n overdrft pid by us on n ccount with more thn (1) owner on signture crd, ech owner gent, if, drwing/presenting item creting overdrft, shll be jointly severlly lible such overdrft plus our non-sufficient funds hling fee(s). Member Privilege SM should not be viewed s n encourgement to overdrw ccount. As lwys, we encourge you to mnge finnces responsibly. In event you would like to hve this service removed from ccount, you cn do so by simply clling 865/ , or toll free 800/ You should note tht Member Privilege SM limit not be included in provided by teller, through internet bnking, MARS (Member Audio Response Service), or t ATM. It, however, be vilble to you withdrwl in brnch or t ATM. Plese note tht (Member Privilege) limit my be vilble ech item pid under limit creted by checks or trnsctions mde using checking ccount number, such s teller withdrwl, n utomtic pyment (ACH) trnsction, or utomtic bill pyment one-time debit crd pyment. Also t request, we my uthorize py ATM trnsfers or withdrwls everydy debit crd purchses using limit. The limit not be included in provided during n inquiry. LIMITATIONS: Member Privilege SM is non-contrctul courtesy which is vilble to individully/jointly owned ccounts in good sting personl or household use. reserves right to limit prticiption to one ccount per household to discontinue this service without prior notice. This overdrft privilege is vilble 60 dys fter ccount is opened, if ccount is in good sting. Non-Vis Debit Crd Trnsction Processing Your Vis debit crd llows you to conduct trnsctions on Pulse Co-Op Networks, which generlly require you to enter PIN. Some merchnts re uthorized to ccept non-vis debit trnsctions without requiring you to enter PIN. If you choose to sign (not use PIN) to uthorize debit trnsction, trnsction be routed s Vis trnsction. However, provisions benefits disclosed in crdholder greements tht specificlly relte to Vis trnsctions re not to non-vis debit trnsctions. Notice Holders The mke chnge in wy it reports checking ccount s prt of n ggregte totl to Federl Reserve Bnk (FRB). This chnge not ffect vilble, ernings on bering ccounts, NCUA insurnce, sttement, or ny or feture of checking ccount. This llow us to substntilly lower our reserve requirement t FRB increse mount of funds vilble lons investments, reby incresing our bility to serve our members. checking ccounts now be structured into checking svings subccounts regultory reporting purposes. The Credit Union my periodiclly trnsfer funds between se two sub-ccounts. Your clcultion on bering ccounts sty sme on both sub-ccounts. If ccount does not ern s, svings sub-ccount creted not ern s. Mobile Bnking Agreement All terms conditions to s service Online Bnking to Mobile Bnking Services. A dt service pln is not required to use this service: however strd text messging fees from phone crrier Y-12 Federl Credit Union does not support cell phone device. We re not responsible ny errors, filures or ny mlfunction to mobile device, browser or softwre. You re responsible security security settings of device. lso is not responsible ny virus or relted problems tht my be ssocited with use of n online system CURewrds Debit Crds Avilble to Premier, 55, or High drft ccount members in good sting. 1,000 CURewrd points be erned t first purchse on ech new crd. $4.00 purchse erns 1 CURewrd Point on PIN Signture Trnsctions. CURewrd Points hve no expirtion dte. No limits exist on mximum number of points erned per yer. CURewrd Points re feited upon ccount closure. must be in good sting t time of point redemption. Points cn be combined with Credit Crd CURewrd Points with. Redeem points merchise, trvel, gift crds t CURewrds.com.

3 Finncil Security with Membership Benefits Truth in Svings Disclosure With s, Fees, Chrges EFFECTIVE FEBRUARY 9, 2017 Ok Ridge, Tennessee q Certificte (1) 6.15%.15% 12.55%.55% 19.75%.75% 24.85%.85% 36.90%.90% % 1 q Certificte (2) 6.20%.20% 12.60%.60% 19.80%.80% 24.90%.90% 36.95%.95% % 1.15% q Certificte (3) 6.25%.25% 12.65%.65% 19.85%.85% 24.95%.95% % 1.00% % 1.20% q Certificte (4) 6.30%.30% 12.70%.70% 19.90%.90% % 1.00% % 1.04% % 1.25% q Select Certificte (1) 13.40%.40% 25 N/A N/A q Select Certificte (2) 13.45%.45% 25.70%.70% q Youth Certificte (Minors only) 12.55%.55% The rtes terms to ccount t Credit Union Ok Ridge, TN re provided in this Fee. The Credit Union my offer or rtes se ccounts from time to time. APY (%) Terms Minimum Opening Deposit s Compounded s Credited Additionl Deposits Fixed $ Not Allowed Vrible $ Annul Contribution Fixed $10, Not Allowed Vrible $10, Annul Contribution Fixed $50, Not Allowed Vrible $50, Annul Contribution Fixed $100, Not Allowed Vrible $100, Annul Contribution Fixed $ $ Minimum Fixed $10, $ Minimum Fixed $ Allowed Withdrwls Renewble You my qulify dditionl rewrds bsed on reltionship here. All prior discounts/bonuses be replced by Reltionship Rewrds progrm effective 6/30/03. Additionl products my be vilble. Plese contct credit union more inmtion. CUNA Mutul Business Services, Inc. 1993, Rev 10/ td8 D3100

4 Ok Ridge, TN Except s specificlly described, following disclosures to ll of ccounts. All ccounts described in this Fee re shre ccounts. 1. Inmtion. Erly Withdrwl Penlty Youth Certificte A penlty of seven dys s be imposed if certificte is closed within six dys of initil deposit. All or withdrwls 90 Dys s Forfeiture of $20.00 Rewrds t mturity Exceptions to Erly Withdrwl Penlties. At our option, we my py ccount bee mturity without imposing n erly penlty under following circumstnces: (i) When n ccount owner dies or is determined leglly incompetent by court or or body of competent jurisdiction. 1. Inmtion. The Annul is rte rte thtfrequency reflects of totl mount of s to be pid to be pid on n ccount bsed upon compounding n nnul on n ccount bsed upon rte frequency of compounding n nnul For certifictes, Annul re fixed be in effect term of All cer60 tificte, except 60 month certifictes 13 or 25 month certifictes. All 60 month certifictes hve vrible rte subject to chnge nnully on Jnury 1st. For Select 13 or 25 month certifictes member my chnge rte one time fter 6 months on 13 month certificte, or fter 12 months on - 25 month certificte. For ccounts to on compounding, Annul is bsed ing, Annul subject is bsed ssumption tht s remin on deposit untilon ssumption tht s remin on deposit until mturity. A withdrwl of s reduce ernmturity. A withdrwl of s reduce ernings. ings. Renewl Policy. For ll ccounts, ccount utomticlly renew nor term upon mturity. For ll ccounts, you hve grce period of seven (7) dys fter mturity in which to withdrw funds in ccount without being chrged n erly withdrwl penlty. 2. Nture to of reserves s. from current trnsfers t s end ofre pid income vilble ernings fter required trnsfers to reserves t end of Nontrnsferble/Nonnegotible. Your ccount is nontrnsferble nonnegotible. The funds in ccount my not be pledged to secure ny obligtion of n owner, except obligtions with Credit Union. 2. Nture of s. s re pid from current income vilble ernings fter required 3. Compounding Crediting. The compounding crediting of s (ii) Where ccount is n Individul Retirement (IRA) ny portion is pid within seven (7) dys fter estblishment; or where ccount is Keogh Pln (Keogh) provided tht depositor feits n mount of t lest equl to simple s erned in mount withdrwn; or where ccount is n IRA or Keogh owner becomes disbled, or if ccount is n IRA Club withdrwl is mde during first 31 dys of yer. 3. Compounding Crediting. The compounding crediting s period period to ech ccount re set th in. Theof is monthly ccount re set th in. The is monthly from dte from dtetoofech issunce. of issunce. 4. Inmtion. The minimum requirements to ech ccount re set th in 4. Inmtion. The minimum requirements to ech ccount re set th in.. 5. Accrul of s. For ll ccounts, s re clculted by method which 5. Accrul of s. For to ll ccounts, s re clculted by method which pplies pplies dily periodic rte principl in ccount ech dy. s begin to ccrue on dily periodic principl in business ccount dy. s tobegin ccrue on non-csh non-csh depositsrte (e.g.tochecks) on dyech you mke deposit toccount. deposits (e.g. checks) on business dy you mke deposit to ccount. 6. Trnsction Limittions. After ccount is opened, bility to mke dditionl deposits to 6. Trnsction ccount is opened, to mke dditionl to ccount orlimittions. withdrwlsafter of s ny onbility such trnsctions re setdeposits th in ccount or withdrwls of s ny on such trnsctions re set th in. Jnury only. The rtes fees ppering in this re ccurte effective ccounts s of Effective Dte indicted on this Fee. If you hve ny questions or require current rte fee inmtion on ccounts, plese cll Credit Union. 7. indicted onon thisthis FeeFee or on Receipt 7. Mturity. Mturity.Your Yourccount ccount mture mturess indicted or on or Renewl Notice.Notice. Receipt or Renewl Brnch Offices: Erly Withdrwl Penlty. We my impose penlty if you withdrw ny of principl bee mturity dte. Amount of Penlty. For ll ccounts, mount of erly withdrwl penlty is bsed on term of ccount. The penlty schedule is s follows: If ccount is closed within six dys of opening deposit, penlty of seven dys s be imposed. Terms of 1 yer or less 90 dys s Terms of more thn 1 yer 180 dys s How Penlty Works. The penlty is clculted s feiture of prt of s tht hve been or would be erned on ccount. It pplies wher or not s hve been erned. In or words, if ccount hs not yet erned enough s or if hs lredy been pid, penlty be deducted from principl. CUNA Mutul Business Services, Inc., 1993, Rev 01/10 OAK RIDGE Ok Ridge, TN CLINTON 450 N. Chrles Seivers Blvd. CLINTON I Crossprk Dr. FARRAGUT Kingston Pike Frrgut, TN CEDAR BLUFF 9245 Kingston Pike Knoxville, TN N. KNOXVILLE 6640 Clinton Hwy. Knoxville, TN SEVIERVILLE 972 Dolly Prton Pkwy. Sevierville, TN LAFOLLETTE 2550 Jcksboro Pike Jcksboro, TN E. LAFOLLETTE 1011 E. Centrl Ave. Lfollette, TN HARDIN VALLEY 2377 Cherhl Blvd. Knoxville, TN EAGLETON 2901 Old Knoxville Hwy. Mryville, TN POWELL 530 E. Emory Rd. Powell, TN ROANE COUNTY 1715 Rone Stte Hwy. Hrrimn, TN MARYVILLE 624 W. Lmr Alexer Pkwy. Mryville, TN td8 D3100

5 Finncil Security with Membership Benefits Truth in Svings Disclosure With s, Fees, Chrges ACCOUNT TYPE /Svings Christms Club Vction Club DIVIDENDS Fee Ok Ridge, TN The rtes terms to ccount t Credit Union re provided in this Fee. The Credit Union my offer or rtes se ccounts from time to time. / Annul.05%/.05% Qurterly Qurterly Qurter.05%/.05% Qurterly Qurterly Qurter.05%/.05% s Compounded Qurterly s Credited Qurterly Qurter Minimum Opening Deposit BALANCE REQUIREMENTS Minimum to Minimum to Avoid Service Fee Ern Stted APY $5.00 Lst Declrtion Dte ACCOUNT LIMITATIONS Except s specificlly described, following disclosures to ll of ccounts. All ccounts described in this Fee re shre ccounts. You my qulify dditionl rewrds bsed on reltionship here. Plese contct credit union more inmtion. Method See Section 6 trnsfer withdrwl trnsfer withdrwl trnsfer EFFECTIVE FEBRUARY 9, 2017 Ok Ridge, Tennessee Inmtion. The Annul is percentge rte tht reflects totl mount of s to be pid on n ccount bsed on rte frequency of compounding n nnul For /Svings, Christms Club, Vction Club Insurnce Club ccounts, Annul my chnge qurterly. The Bord of Directors pproves /Svings rtes. The Asset/Libility Committee determines Christms Club, Vction Club, Club Mngement Insurnce Club rtes. The s Annul s re prospective rtes yields tht Credit Union nticiptes pying ppliction 2. Nture of s. s re pid from current income vilble ernings fter required trnsfers to reserves t end of 3. Compounding Crediting. The compounding crediting of s period to ech ccount re set th in. The is period of time t end of which n ccount erns credit. The begins on first clendr dy of period ends on lst clendr dy of 4. Accrul of s. For ll ccounts, s begin to ccrue on non-csh deposits (e.g. checks) on business dy you mke deposit to ccount. For ll ccounts, if you close ccount bee ccrued s re credited, s not be pid. 5. Inmtion. The minimum requirements to ech ccount re set th in. If minimum dily is not met, you not ern stted Annul. For ll ccounts using method, s re clculted by ing dily periodic rte to principl in ccount ech dy. 6. Limittions. Debit crd trnsctions my be subject to mximum dily trnsction limits of $ ATM withdrwls, $2, Point-of-Sle $5, signture uthoriztions up to dily mximum of $5,615.00, provided re re sufficient funds in ccount. CUNA Mutul Business Services, Inc. 1993, Rev 11/ sd5 D3000

6 Ok Ridge, TN /Svings Fees FEE SCHEDULE /Svings Returned Item fee:...$32.00 per item. /Svings Sttement Copy fee:...$ 1.00 per pge. Club Mngement Excessive Withdrwl/Trnsfer fee:... $10.00 per item, fter six (6) withdrwls/ trnsfers per qurter. Third Prty Return Item fee:...$32.00 per item. Loctor fee (per month):...$ 5.00 Fees Over-Drft fee:...$32.00 ech. NSF fee:...$32.00 ech. Member Privilege fee:...$32.00 ech. Returned Item fee:...$32.00 ech. Stop Pyment fee:...$32.00 ech. Deposited Item Return fee:...$32.00 ech. Check Printing fee:...prices my vry depending upon style. Photocopy fee:...$ 2.00 per item. Convenience Service fee:...$ 3.50 per month if minimum of $ is not mintined. Premier Service fee:...$ 5.00 per month if minimum of is not mintined. Opportunity Service fee:...$12.00 per month Fees All Withdrwls by check, trnsfer, telephone request, preuthorized or utomtic trnsfer less thn $ $25.00 ech Drft Retrievl (per copy) fee...$ 2.00 ech Drft Sttement Copies (per pge) fee:...$ 1.00 ech Over-Drft fee:...$32.00 ech Drft Stop Pyment Order fee:...$32.00 ech Drft Rejects (NSF) fee:...$32.00 ech Drft Reconcilition fee:... $10.00 per hour $ 5.00 minimum History fee:...$ 2.00 ech Or Service Fees ( to ll ccounts) Reconcilition fee:...$10.00 per hour. Reserch fee:...$30.00 per hour. Sttement Copy fee:...$ 1.00 per copy. Deposited Item Return fee:...$32.00 per item Domestic Wire Trnsfer (Outgoing-All) fee:..$15.00 per trnsfer Business Foreign Wire Trnsfer (Outgoing)...$50.00 per trnsfer Consumer Foreign Wire Trnsfer (Outgoing). $95.00 per trnsfer Foreign Wire Trnsfer (incoming) fee:...$15.00 per trnsfer Order fee:...$ 2.00 per item. Inctive fee:...$15.00 per qurter. (Dormnt 18 months or more) Cshier check fee:...$ 4.00 per item. Teller Check Fee...$ 2.00 per check Electronic Funds Trnsfer Fees Unlimited Esy Street ATM withdrwls per month without chrge. All trnsctions except Esy Street or Co-Op$ 1.00 ech Copy of Sles Slip...$ 7.50 ech Withdrwls on non-sufficient funds...$32.00 ech Replcement crds...$10.00 ech Bill Py Stop Pyment...$32.00 ech Pop Trnsction...$.50 ech Express Delivery Fee...$20.00 ech Specil Crd Hling Fee...$ ech Electronic Pyments by phone...$10.00 ech Electronic Pyments online...$ 5.00 ech Electronic Pyments vi MARS...$ 5.00 ech Sfe Deposit Box Fees Annul Rentl Size: Fee: 3 x 5...$ x 10...$ x 5...$ x 10...$ x 10...$85.00 Chnge of Lock fee:...$ Drilling of Box fee:...$ Lost Key fee:...$25.00 Pst Due nnul rentl:...$15.00 All fees re subject to chnge pending Bord of Directors pprovl. Credit Union Membership Membership :...$ 5.00 pr vlue. Erly closure (180 dys):...$15.00 Fee. Levy/Grnishment Processing:...$ Fee. (per notifiction) The rtes fees ppering in this re ccurte effective ccounts s of Lst Declrtion Dte indicted on this Fee. If you hve ny questions or require current rte fee inmtion on ccounts, plese cll Credit Union. The U.S. Ptriot Act is intended to fcilitte prevention, detection, prosecution of interntionl money lundering finncing of terroism. The Act requires ccountholders of finncil institutions to comply with certin identifiction verifiction procedures. All finncil institutions re required to verify identifiction of ccountholders. In order to comply with Act, requires following documenttion prior to opening new ccounts commencing trnsctions: Individuls must present n unexpired government-issued identifiction tht discloses ntionlity or plce of residence bers photogrph or similr sfegurd. Verifiction of socil security number my be required. Non-individuls must present documents showing existence of entity, such s rticles of incorportion, government-issued business license, prtnership greement, or trust instrument. Brnch Offices: OAK RIDGE Ok Ridge, TN CLINTON 450 Chrles Seivers Blvd. CLINTON I Crossprk Dr. MARYVILLE 624 W. Lmr Alexer Pkwy. Mryville, TN EAGLETON 2901 Old Knoxville Hwy. Mryville, TN CEDAR BLUFF 9245 Kingston Pike Knoxville, TN N. KNOXVILLE 6640 Clinton Hwy. Knoxville, TN HARDIN VALLEY 2377 Cherhl Blvd. Knoxville, TN ROANE COUNTY 1715 Rone Stte Hwy. Hrrimn, TN SEVIERVILLE 972 Dolly Prton Pkwy. Sevierville, TN LAFOLLETTE 2550 Jcksboro Pike Jcksboro, TN E. LAFOLLETTE 1011 E. Centrl Ave. Lfollette, TN FARRAGUT Kingston Pike Frrgut, TN POWELL 530 E. Emory Rd. Powell, TN CUNA Mutul Business Services, Inc., 1993, Rev 02/ sd5 D3000