OARDC EMPLOYEES' CREDIT UNION

							Box lunches include a 6" sub
sandwich, chips and a
cookie. All sandwiches will
be cold.


Meats: Choose One

    Turkey Breast
    Ham
    Turkey Breast & Ham
    Oven Roasted Chicken Breast
                                     Spicy Italian
                                     Cold Cut Combo
                                     Subway Club
                                     Veggie Delight
                                                                                         OARDC
Breads: Choose One

    Hearty Italian
    9 Grain Wheat
    9 Grain Honey Oat
                                     Italian
                                     Italian Herbs &
                                     Cheese
                                                                                         EMPLOYEES'
Cheese: Choose One

    White American
    Pepper Jack
                                     Provalone
                                     Monterey Cheddar
                                                                                         CREDIT
Veggies:

    Lettuce
    Tomatoes
    Cucumbers
                                     Olives
                                     Red Onions
                                     Jalapenos
                                                                                         UNION
    Pickles                          Banana Peppers
    Green Peppers
                                                                                         44TH ANNUAL MEETING
Sauce: Choose One

    Mustard                          Chipotle Soutwest
    Honey Mustard                    Ranch                                               FEBRUARY 17, 2010
    Sweet Onion                      Mayo
    Red Wine Vinagar                 Oil & Vinegar
                                                         OARDC EMPLOYEES' CREDIT UNION




    Light Mayo                                                                           SOUTH EXHIBIT AREA OF FISHER
Chips: Choose One                                                                        AUDITORIUM
    Sun Chips                        Doritos
    Lays Potato Chips                Baked Lays Chips                                    12:00-1:00PM
                                                         WOOSTER OH 44691




Cookies: Choose One
                                                         1680 Madison Ave




    Chocolate Chip                   White Choc
                                     Macadamia Nut



Reserve 1 Lunch @ $4.00 for:


                           Name


Feel free to make copies of this form or download it
from our web site. http://oardc.osu.edu/creditunion/
default.asp
                   For financial institutions 2009
                  proved to be as bad as 2008.         MONEY IS AVAILABLE FOR LOANS
                  Losses by insurance
                  companies both federal and
                  private to insure credit unions
                                                       BOARD OF DIRECTORS
  have been passed on to their insured credit
                                                       Megan Strother   (FAHRP)
  unions. Interest rates continue to be
                                                       Jeff Imhoff      (Facilities Services)
  extremely low. The money we have invested
                                                       Matt DeVore      (IT)
  in Corporate One Federal Credit Union is
                                                       Charles Vrotney  (Retired)
  earning 0.15%. Our only way to counter that
                                                       Jim Holman       (IT)
  is to make more loans to you our members
                                                       Pam Schoenberger (Retired)
  and to do that we need more money saved
                                                       Karen Fedevich   (Facilities Services)
  by other members. It's a balancing act and in
                                                       Jim Shaw         (Facilities Services)
  order to be profitable we need your help.
                                                       Andy Doklovic    (Food Agric & Biological Eng)
  Our current loans to members are solid
  investments. Unlike your investments in the
                                                       CREDIT COMMITTEE
  stock market your money in the credit union                                                                  NEW LOANS
                                                       Kevin Jewell (Star Lab)
  won't decrease. We are financially sound
                                                       Sue Vizzo    (Research Operations)                        We have signature loans both open end that you
  and well capitalized. The OARDC
                                                       Gene Howell  (Renovations Planning)                       may add onto and closed end that you must pay
  Employees’ Credit Union is insured by a
  private insurance company - American                                                                           off before borrowing more money. Open end
                                                       AUDIT COMMITTEE                                           start at 10% and closed end are as low as 7.99%.
  Share Insurance (ASI). Share accounts are
                                                       Jack Bardall (Retired)                                    The amounts are decided by the Credit
  insured up to $250,000. This institution is
                                                       Willis Leach (Retired)                                    Committee which meets on Tuesdays at noon in
  not federally insured, and if the institution
                                                       Ron Borton   (Retired)                                    the credit union office. Loan applications are
  fails, the federal government does not
  guarantee that depositors will get their                                                                       available on line at www.oardc.ohio-state.edu/
                                                       NOMINATING COMMITTEE                                      creditunion/creditloans.asp or stop in, fill out a
  money back.
                                                       Megan Strother and Andy Doklovic                          credit application and drop it in the slot in the
NEW MEMBERS NEEDED                                                                                               door, mail it to us or fax it to 202- 3558.
                                                       FOOD COMMITTEE
  Please help us increase our membership by            Chuck Vrotney                                             How do they decide if a member is eligible for a
  talking to fellow employees who are not                                                                        loan? We run a credit check with a credit score
  members and encouraging them to join. We                                                                       then calculate a debt to income ratio based on
  have competitive loan rates and payroll                                                                        your information and information from Trans
  deduction. Need to save for the down                                                                           Union. Better credit scores make loan making
  payment on a special purchase... use the                                                                       easier and the debt to income ratio needs to be
                                                     ELECTION
  credit union and payroll deduction to                                                                          below 35% using gross income for a unsecured
  painlessly save for that item. Are you in a          The OARDC Employees' Credit Union 44th Annual             loan. One of the Credit Committee members will
  hurry... apply for a loan at the credit union        meeting will be held Wednesday, February 17, 2010,        let you know their decision within 7 days of
  and make your purchase immediately.                  in the south exhibit area of Fisher Auditorium. Three     their meeting.
                                                       positions are vacant on the Board of Directors.
                                                       Members running for these positions are Pam             LUNCH
                                                       Schoenberger, Andy Doklovic and Paul Starkey.              Lunch this year will be catered by Subway
CAR LOANS                                              Anyone else wishing to run for the board please            and we are offering several choices which are
  Our loan rates just like bank rates for car          contact a member of the nominating committee. The          on the next page. Check your choice and tell
  loans will fluctuate so call the office for          election will be held at the annual meeting.               us your name and return the section to the
  current rates or check our website. http://                                                                     credit union office by February 12. Cost is
  www.oardc.ohio-state.edu/creditunion/                                                                           $4.00 per lunch. Please pay at the door.
  creditloans.htm