what’s inside: What OurMembers Say

You and YourMoney

Et iquet teCorner

Superv isoryCommit tee and Risk

Achan, Allan October 15th, 2011 Acosta, Greer October 31st, 2011 Alexander, Victor February 1st, 2012 Ayum, Edmund April 06th, 2012Backan, Rasheed July 27th, 2012Bahall, Moonilal June 08th, 2012Banfield, Marlene July 29th, 2012Bishop, Dexter July 29TH, 2012 Branker, George May 12th, 2012 Brathwaite, Cyril November 12th, 2011 Britto, Jane October 27th, 2011 Bruce, Peter April 29th, 2012Bunsee, Ramsumair April 25th, 2012 Buntin, Lionel August 06th, 2011 Caliste, Elphel June 10th, 2012 Carreira, Joycelyn October 01st, 2011Carrington, Joseph July 24th, 2012Cassiram, Carmen July 04th, 2012Charles, Bheem May 10th, 2012 Charles, Marlon October 01st, 2011 Chattergoon, Edward February 06th, 2012 Chin, Derrick May 03rd, 2011 Churkoo, Boysie October 03rd, 2011Codrington, Irene December 07th, 2011 Cooper, George May 05th, 2011Corbin, Charles January 24th, 2012Creighton, Denzil February 12th, 2012 Daniel, Damian August 25th, 2011 Dick, Alicia July 04th, 2012Dickerson, Harold January 26th, 2012 Forrester, Mervyn March 25th, 2012 Francis, Bredalyne March 05th, 2012 Gangoo, Premchan September 25th, 2009 Gay, Oswald November 23rd, 2012Geeban, Rickie August 15th, 2012 Glasgow, Henry March 07th, 2012 Gooding, Jemma March 08th, 2012 Gooljar, Rajpaul February 09th, 2012 Greaves, Harold March 21st, 2012Gumbs, Errol June 01st, 2012 Hamilton, Arlene June 20th, 2012 Hart, Baby August 30th, 2011Henry, Phyliss June 04th, 2012Henry, Ralph July 03rd, 2012Husain, Wilfred October 14th, 2011Isaac, Joshua December 27th, 2011Jackson, Denis November 05th, 2011Jacob, Linette May 09th, 2012Jagessar, Nandlal July 18th, 2012 Jaimungal, Rampersad April 21st, 2011 James, Anthony April 01st, 2012 James, Jouranda March 02nd, 2012Jennings, Ronald June 26th, 2012Jhagroo, Sahadeo November 09th, 2011 Joefield, Edwin May 05th, 2012 John, Kenrick October 11th, 2011 John, Murray October 01st, 2011 Johnson, Evril October 31st, 2011Johnson, Winston June 14th, 2012Jones, Auldit October 11th, 2011 Joseph, Aldwyn November 07th, 2011 Joseph, Iona February 12th, 2012 Khan, Rasheek February 20th, 2011 Langley, Elias September 14th, 2011 Lewis, Hainsley August 06th, 2012 Lewis, Judy December 12th, 2011 Lochan, Ishripersad January 25th, 2012Magloire, Leonard July 09th, 2012

Mangaroo, Chaitram April 03rd, 2012 Mason, Darren February 01st, 2009Mc Intosh, Diane December 06th, 2012 Mitchell, Norris February 17th, 2012 Modeste, Zwade September 05th, 2011 Mohammed, Hamid January 13th, 2012Mohammed, Holly July 11th, 2012 Mohammed, Tara May 01st, 2012 Nicholas-Millette, Joanne November 11th, 2011 Noel, Yvonne November 13th, 2011 Ocho, Percival September 24th, 2011 Osborne, Dossy April 09th, 2012Oxford,Isaac February 02nd, 2012Padmore, Ernest July 09th, 2012 Pariag, Balkase December 14th, 2011Patrick, Russell September 21st, 2012Patterson, Carlton September 11th, 2011Patterson, Joanne May 16th, 2012 Paul, Duke April 25th, 2012 Paul, Enid December 16th, 2011 Paul, Leroy March 08th, 2012 Phillip, Earland July 21st, 2012 Pirali, Sheriff May 02nd, 2012Ragbir, Maria October 08th, 2009 Ragoo, Narine March 07th, 2012Rahaman, Ali Hussein July 31st, 2012 Ramadoo, Reuben March 30th, 2012 Ramcharitar, Motilal March 25th, 2012 Ramdin, Beresford March 29th, 2012Ramgoolam, Richard July 27th, 2011Ramkissoon, Matoon November 28th, 2011 Ramkissoon, Mungal March 03rd, 2012 Ramlal, Arjoon November 25th, 2006 Ramlal, Indra September 28th, 2011Ramlochan, Rooplal August 16th, 2012Ramnath, Sylvia January 19th, 2012Ramrattan, Ramdeo June 19th, 2012Ramsubhag, Parasram January 19th, 2012 Reid, Kevin February 09th, 2012 Roberts, Phyllis September 13th, 2011 Sampath, Francis October 10th, 2011Sampath, Masefiled April 01st, 2012 Samuel, Wayne January 21st, 2012 Sankar, Ivan December 28th, 2011 Santokie, Indera March 24th, 2012 Saunders, Stella May 31st, 2012Seale, Elderleen January 05th, 2012 Seales, Patrick March 12th, 2012 Seegobin, Leila December 26th, 2011 Seegobin, Paul October 28th, 2011 Seudath, Suresh November 23rd, 2011 Sleema, Stephen June 25th, 2011 Soanes, Learie February 12th, 2012 Sookdeosingh, Neville December 22nd, 2011 Sookoo, Becessar January 31st, 2012 Stamers, June June 07th, 2012 Stewart, Kenrick April 05th, 2012 Supersad, Charmaine January 04th, 2012Sylvester, Phyliss June 04th, 2012 Thomas, Christopher June 05th, 2012 Thomas, Clyde June 20th, 2008Thomas, Kendrick May 05th, 2012 Thomas, Margaret November 11th, 2011Tobias, Percival April 02nd, 2012 Tuitt, Clive February 12th, 2012Tyson, Leonard August 02nd, 2012Tyson, Tricia October 15th, 2011Ventour, Wilbert December 08th, 2011 Waldron, Selwyn October 08th, 2011Winter-Roach, George December 09th, 2011 Woodsley, Cynthia April 15th, 2012 Yearwood, Octave March 28th, 2012

TECUCredit Union

TECUNEWSA PUBLICATION OF TECU CREDIT UNION CO-OPERATIVE SOCIETY LTD • ISSUE 1 / 12

International Year of Co-operatives

The United Nations General Assembly has declared 2012 the International Year of Co-operatives (IYC). The designation serves to highlight the contribution

co-operatives have had in reducing poverty, creating jobs and promoting social integration. The theme for the International Year of Co-operatives 2012 is

"Co-operative Enterprises Build a Better World."

On October 18th, 2012 Credit Unions all around the world will celebrate Internal Credit Union Day (ICU) with a theme which speaks to the heart of the Credit

Union Philosophy: “Members Matter Most”. “In the face of all challenges, credit unions have always existed to serve their members,” said Brian Branch, World

Council of Credit Unions president and CEO.

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Editors: Mrs. Lucy Ottley, Mr. Leroy FerminEditorial Team: Denise Julien-Stoute, Joy Jarvis, Leroy FerminPhotography: Herman Herbert, Alice Besson, Kezie PetersProducers: Newsletter Committee& Marketing DepartmentLayout+Design: Kishore RaghoobarPrinting: Caribbean Print Technologies

TECU NEWS: c/o The Education Committee, TECU HOUSE, Southern Main Road, MarabellaTel: (868) 658-TECU (8328)Fax: (868) 658- 2611E-mail: tecu.education@tecutt.comWebsite: www.tecutt.com

By

Mitra Attai

TECUNEWS ISSUE 1 / 12TECUNEWS ISSUE 1 / 12

Best wishes for 2012 to all my readers! I am sure you will recall that I ended my last article with the phrase “Tips for 2012…do you need an invest-ment plan? Answer- YES. Once you write down your goals, and the plans to achieve those goals you will immediately increase your opportunities for success!!! WORK HARD, spend some $, save some $ and give $ to help others!” Let’s start with a brief walk-through of the INVESTOR LIFE CYCLE. Back to basics; what’s the ordinary meaning of each word in this phase?:Investor: an investor is a party that makes an investment into one or more categories of assets --- equity, debt securities, real estate, currency, commodity, derivatives such.Life: Life is a characteristic that distinguishes objects that have signaling and self-sustaining processes (i.e., living organisms) from those that do not.Cycle: an interval of time during which a characteristic, often regularly repeated event or sequence of events occurs: Sunspots increase and decrease. Let us therefore take a walk through the concept of the “investment life cycle.”

Accumulation: The accumulation phase is usually young adulthood… ages, 20 to early middle age. During this phase, assets are accumulated to satisfy immediate needs (a house, a car, furniture, and so forth). There may also be some long-term goals, such as saving for retirement or children’s education. Typically during this stage, the individual’s net worth is small. Debt management (paying the mortgage, paying for the car, paying on credit cards, paying off college debts) often is the primary consideration. If an investment programme is started when a person is young and has a long time horizon, plus a growing job income, larger risks can theoretically be taken. Normally, the investor can risk loss of principal, as risk tolerance is high and there is no need for a stable investment income because basic spending patterns

should be financed out of job income. Real returns are required and inflation protection is desirable.

Consolidation: The consolidation phase typically begins between the ages of 45 and 54. At this stage, debt management gives way to asset accumula-tion, income tends to be high, and net worth should be growing rapidly. The investment horizon, however, still might be 20-30 years, enabling the acceptance of a moderate amount of risk. At this stage, the individual is in a position to start a serious investment programme. His or her income is high and a primary goal should be saving for retirement. The ability to tolerate some loss of principal is still high, although not as high

as when the investor was at an earlier stage of life. Furthermore, there is usually little need for current income, because job income should be sufficient for current needs.

Spending / Gifting:The spending phase begins at retirement. Income declines and it becomes necessary to live off of past investments. During this phase, the investor tends to become less tolerant of risk, but must protect the real purchasing power of income. The gifting phase is when an individual’s wealth is large enough and the individual is old enough, so that he or she decides to provide financial assis-tance to others (children, grandchildren, and charitable institu-tions). Estate planning may also be important to minimize estate taxes. At this stage, the need for stable income and reduced risk dominates. The ability to tolerate some loss of principal is still high, although not as high as when the investor was at the earlier stages. The current income generated from the portfolio (collection of your investments) should be enough to meet expense requirements that cannot be met by non-portfolio sources, such as a pension and social security income. It is important that this minimum current income require-ment be secure. Inflation protection may be desirable if the projected spread between expenses and non-portfolio income will widen over time due to inflation.

What Should You Take Away From ThisThe most important aspect of the investor life cycle is that as one moves through the phases, the asset allocation must be adapted to account for the different requirements and needs of each phase. Understanding what phase you are in is important to ensure you reconcile your own needs with that of the phase as each person is different and one size does not fit all. Your dividend from equities investing focus helps with the inflation protection requirements in the accumulation phase. As inflation rises, so do my dividend payments thus shielding me from the negative effects inflation can bring. What phase are you in? Tips for 2012- In the next article I will walk you through the 4 RRRs: a concept I have coined – Recognition of the Risks and Returns associated when placing your money into a financial institution and - level of Regulation of that business.

We now examine each investment phase of the average individual and I refer to an article I found on the internet which was already altered.

AS AT JULY 2012

SHARES $1,046,548,388

LOANS $520,930,962

ASSETS $1.543,529,199

NO. OF MEMBERS 35,527

RETIREES FIXED DEPOSIT $276,101,137

TECU AT A GLANCE

MoneyDesk You and your

Honorary Treasurer,Mr. Mitra Attai

TECU’s team takes this opportunity to commend and thank its membership for their loyal support and patience. The organi-zation continues to grapple with challenges that surfaced as a result of our new processes and changes. However, as joint owners of this noble institution we are moved to express our sincerest gratitude for the confidence and trust you have demonstrated to date. In this highly competitive environment there is a constant demand for more; more technology, more service, better returns and reduced cost. That being the case, you have the assur-ance that we are seeking to develop a stronger relationship with our membership the objective being, continued growth for both the individual and the organization. As we acquire the understanding of your financial and social needs, our team expects to be better placed to create and design products and services accordingly. As work continues towards the improvement of our processes and service, our aim is to achieve this by developing staff dedicated to quality service, understanding members’ needs and with a strong emotional and psychological commitment to the Credit Union’s philosophy on which our organization was founded. Our members range from 6 months (yes believe it) to 99 years with our largest group between the ages of 25 and 44. We remain committed to meeting the needs of all through “savings” or “borrowing”. For those at the point in their lives where they are building a family, career, acquiring a home and or other assets, we offer a secured place to save and borrow. We encourage you to make TECU your first choice for financial services. This being the year of the Co-operatives, we continue to introduce our youth to the spirit of co-operatives by offering them a start in wealth creation through our Secondary Entrance Assessment (S.E.A.) and Tertiary bursaries. Students would again be given an introduction to the world of work through our Internship Programme, and our Primary Schools would be engaged through our “quiz competi-tion” during the month of October- Credit Union Month. You, our valued members are urged to participate in our loan products as this would better position the organization to offer you more attractive returns on your shares and investments. We encourage you to take a vacation; a break from your daily routine by making our holiday resorts at Mayaro, Balandra and Coral Reef, Tobago, your first choice. Let us remind you that our very own LinCU VISA Debit card gives you worldwide access to your funds 24/7 while you are encouraged to manage your spending. The card gives you access to quality health insurance and loyalty discounts at over 50 merchants. TECU takes pride in celebrat-ing the 50th anniversary of our nation and wishes you God’s blessings as we look forward to many more productive years as a nation and as a Credit Union.God Bless our Nation ….God Bless TECU!

From theof the General Manager

ContentsFROM THE DESK OF THE GM 2YOU AND YOUR MONEY 3NEW APPOINTMENTS 4SUPERVISORY COMMITTEE 4 AND RISK

TECU TRAVEL AND 5 HOLIDAY RESORTS

BOUNCE YUH STARTER 7 OPEN HOUSE

S.E.A. BURSARY 9 RECIPIENTS 2012

WHAT OUR MEMBERS SAY 10THE CREDIT COMMITTEE 10ETIQUETTE CORNER 11TERTIARY BURSARY 11 RECIPIENTS 2012

OBITUARIES 12

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General Manager, Ms. Joy Jarvis

TECU Travel andHoliday Resorts!

Take a Staycation and relax at one of TECU’s Resorts!

Rooms HIGH LOW Rooms Only Season Season(No Kitchenette) TT$ TT$

Single 251 209Double occupancy 356 297Triple occupancy 396 330

Apartments (One Bedroom) - With Kitchenette Double occupancy 462 385Triple occupancy 502 418

Apartments (Two Bedrooms) - With Kitchenette Six (6) persons 726 605Eight (8) persons 990 825Suite: Five (5) persons 1,500 1,250

TECU CORAL REEF RATES

• BOOK AT ANY TIME UP TO ONE (1) YEAR IN ADVANCE • ALL RATES CALCULATED PER NIGHT • ALL RATES SUBJECT TO CHANGE

HIGH SEASON All Long Weekends - Carnival Included, Public Holidays March 20- April 24, July 1 - September 12December 15- January 17

LOW SEASONJanuary 18 - March 19, April 25 - June 30September 13 - December 15

Check-in time 2:00 pm / Check-out time – 12:00 noon.

Breakage deposit for all houses - $500.00One long weekend per member per year Check in time 2:00pm / check out time 5:00pm

Maximum Nightly MAYARO Beach Houses Occupancy Rate House #1 12 Persons $500.00House #2 & 2B 8 Persons $400.00House #3 10 Persons $400.00House #4 16 Persons $700.00Balandra 6 Persons $500.00

TECU BEACH HOUSE RATES

54 TECUNEWS ISSUE 1 / 12TECUNEWS ISSUE 1 / 12

The Supervisory Committee is an important body in the whole risk management structure of the Credit Union. While the Credit Union itself will have its internal controls, the role of the Supervisory Com-mittee is to ensure and report to the Board of Directors that these risk structures are working in collaboration with the Board’s strategic plan.

Risk defined: A risk is any action that will possibly lead to a loss of earnings or damage to the Credit Union. Here we are talking from the lowest level in both personnel and positions in the organization. Thus when the janitor leaves a wet floor without a sign where there is human traffic, the behaviour becomes risky because there is a high probability that a member could slip and fall. Similarly, manag-

ers, senior, middle and junior staff are guilty of operational risk when they fail to respond to mistakes or take appropriate measures to correct errors. There are several types of risks. Some are internal and others are external. Some internal risks are due to equipment and plant problems, human error or difficulties with processes, systems and procedures. External risks may arise from change in government, economic changes, technological changes and social considerations.

The Supervisory Committee monitors and evaluates on an ongoing basis the risk responses of staff and reports all findings to the Board. The Board is responsible for the management of all risk expo-sures. Having made their recommendations, they then have to follow up and provide feedback in order to achieve the Credit Union’s strategic goals.

RiskSupervisory Committee and

For Reservations Call : TECU TRAVEL AND HOLIDAY RESORTS • MARABELLA: 658 – 2505 • COUVA: 679 – 6549 • POINT FORTIN : - 648 – 0408 • TECU CORAL REEF: 639 - 2536

The LinCU Visa Debit Card

Worldwide AcceptanceEasy Access24 hr ConvenienceFree Insurance Coverage

Share Withdrawal ProceedsLoan ProceedsFixed Deposit Interest paymentPension /NIS PaymentDividend payment

Providing

Use your card to access:

IT’S HERE FOR YOUR CONVENIENCE!!

BEAT THE RUSH APPLY NOW !!

76 TECUNEWS ISSUE 1 / 12TECUNEWS ISSUE 1/ 12

TECU member feeling out a new ride

Happy member winning her prize

Loan applicants at the “Bounce Yuh Starter” open house

Bounce Yuh Starter NEW VEHICLE OPEN HOUSENEW VEHICLE OPEN HOUSE

98 TECUNEWS ISSUE 1 / 12TECUNEWS ISSUE 1 / 12

S.E.A. BURSARY RECIPIENTS 2012S.E.A. BURSARY RECIPIENTS 2012

Jonathan ThomasShanaya RoseCarisse m JeremieRebecca JattanVictoria A MaharajArif KhanDavina-Farah DeonathJelena S RamsaranLane C AmichanShivam S RamlalGraeme R Noor-ReeceBrittany N PetersDanya JamesKrista Sahadeo

Anisah DhanpaulKristen Sonny Seeanna P KissoonlalAriana C RamnarineRjiv D. LaluFaith K BascombeEmily Kissoon Wesley S RagobarPriya N RamdialTamea Wicham Arianna Deokie Deielle H RoodalAnthony V MitchellNikel Rampadarath

Gabriel GrciaCorese Z Thomas Brittany SeepersadsinghShazema Hosein Josiah ReeceJanae AlexanderNixon Phillip CherryDaniel Mason Kristin Gomez-AlexanderHolleen A GilmoreSimeon N LambertSaryah C RambertTariq AtwellSarah Ann PamphileDenee ThomasDemi ThomasRoshan Dwarika Stephon C LakeJonathan Hosein Jalissa K BelgroveJameel Joefield Jishawn T Joefield

Top SEA Student Ms. Rebecca Jattan a TECU Member

TERTIARY BURSARY RECIPIENTS 2012TERTIARY BURSARY RECIPIENTS 2012

Jemma was introduced to TECU Credit Union twelve years ago when she became a member. She mentioned that it is quite easy and convenient for her to do business with this financial institution. She further said that the service is personal and professional and she can truly rely on this Credit Union to meet her financial needs.

Mr. Lalchan has been a member for over twenty years and proudly stated that his family and other relatives are also members of TECU Credit Union. As a truly satisfied and happy member he said TECU has always been there for him. He was able to get loans to build his house, educate his children locally as well as abroad, finance his daughter’s wedding and get all his major finan-cial bills paid through this institution. He added that it is truly a blessing to have a financial institu-tion that can take the pressure off your family.

As a member of TECU. Credit Union for five years, Sandra expressed great satisfaction with the way this organization handles her financial affairs. She added that she is able to access loans with no problems because the staff is always willing to assist and so she is quite pleased with most of the services except for the fact that whenever she calls the office they “DO NOT ANSWER THE PHONES.”

Adika Springle said, "I have applied to several banks for loans and was turned down but as a member of TECU Credit Union I can say that this organization truly cares about its members achieving their goals. The rates are better and you get professional customer service. TECU has always come through for me. Thanks to all."

WHAT OUR MEMBERSJemma Smith

Adika Springle

Sandra Modeste Gay

Ramchand Lalchan

SAY

CommitteeThe Credit

11TECUNEWS ISSUE 1 / 13TECUNEWS ISSUE 1 / 1210

The Credit Committee is one of three statutory committees of TECU. This committee has the ultimate authority and responsibility for granting loans to members who have applied for such consideration. The committee operates under policies and guidelines set by the Board of Directors. In the early days of TECU, all loans had to be assessed by the Credit Committee, the Board, or the Manager. The committee would meet weekly to assess and approve the loans. The committee would also have face to face meetings with members applying for loans and on the basis of the interview approve, modify or disapprove the loans.

As the membership grew and with it, the size and complexity of the loan portfolio, Loan Officers were employed to facilitate the loan application process between meetings of the committee. Subsequently, the Loan Officers were given a certain level of delegated authority to approve loans in the office. The Credit Committee however, retained oversight for granting loans. This means that the Credit Committee now has responsibility to review the loans granted by the Loan Officers. Loans outside of the Loan Officers’ level of authority stil l have to be assessed by the Credit Committee.

CornerEtiquette by Mrs. Lucy Ottley

You Are Invited…An event is being planned by a good friend, your Alma Mater, the neighbourhood watch group, an alumni associa-tion, indeed someone who appreciates your company or holds you in high esteem. You have been placed on their list of invited guests, and since this is the final list, careful arrangements have been put in place to mail or hand- deliver each invitation. Invariably upon receipt of such an invitation one is overcome with a sense of joy and pride. Of course it feels good to be remembered and even considered for such an event. So you read your invitation and check the date to verify whether there is another activity of equal importance on your calendar. The date is available, so you begin to think of the outfit you should wear to this event. The spot-light is now focused on you. A few days before the event you receive a telephone call to confirm your presence. This, my dear friend is unpardonable and inconsiderate. The question is; how much attention did you really pay to your invitation? The letters R.S.V.P. placed at the bottom of an invita-tion is a French acronym that means “Respondez S’il Vous Plait” which, when translated in English means “please respond or respond please”. Included also is a contact telephone number as well as a deadline date. This is valuable information for you, and must be used with the diligence and promptness that one expects with R.S.V.P. Etiquette. Let us always observe the following instructions in relation to R.S.V.P. Etiquette:

1 Read the invitation carefully and thoroughly. The host would have included a telephone number, e-mail address, or some instruction on how to reply to the invitation.

2 Pay strict attention to the deadline date. This is very

important to facilitate preparations for the event which are made based on the number of R.S.V.P. responses received. Don’t just show up on the day of the event. Such an action is considered poor etiquette and utter disrespect to your host.

3 If your invitation states “Regrets Only” then you respond only if you are unable to attend.

4 If you give a YES response to your invitation, you are expected to attend. It is considered bad etiquette and a sign of discourtesy to R.S.V.P. in the affirmative and then fail to show up.

5 Only the named invitees are expected to attend. If your children are not invited and you have accepted, please make arrangements for a baby-sitter.

Important Manners for Every DayWe use daily manners constantly without even thinking. We greet and introduce others. We make requests and express thanks. These simple exchanges are the foundation of all interactions. Since our choices impact others, it is impor-tant to make our choices thoughtfully, so as to communi-cate a considerate awareness of others.

Here is something to think about - “It is our choices...that show what we truly are, far more than our abilities” – J.K. Rowling

don’t forget toR.S.V.P.

Sherelle Olivia Squires

Jayde Toolsie

Kelsha Sanchez

Denelle S Cardinez

Vikki Boodoosingh

Kelsey Ramkhelawan

Daisha Griffith

Richard N.H Ameeral

Chanelle Jenize Victoria

Voisin

Riaz Ishmael Jahoor

Amelia Ramkissoon

Shannae Charles

Troy Sinanan

Celene Chin Ming

Chezqah Japhia Charles

Thalia A. Rambalack

Kerrin Mohammed

Anusha Ramasray

Suzette Andrea Bonas

Sastri Brandon Arjoonsingh

Mrs. Lucy Ottley

what’s inside: What OurMembers Say

You and YourMoney

Et iquet teCorner

Superv isoryCommit tee and Risk

Achan, Allan October 15th, 2011 Acosta, Greer October 31st, 2011 Alexander, Victor February 1st, 2012 Ayum, Edmund April 06th, 2012Backan, Rasheed July 27th, 2012Bahall, Moonilal June 08th, 2012Banfield, Marlene July 29th, 2012Bishop, Dexter July 29TH, 2012 Branker, George May 12th, 2012 Brathwaite, Cyril November 12th, 2011 Britto, Jane October 27th, 2011 Bruce, Peter April 29th, 2012Bunsee, Ramsumair April 25th, 2012 Buntin, Lionel August 06th, 2011 Caliste, Elphel June 10th, 2012 Carreira, Joycelyn October 01st, 2011Carrington, Joseph July 24th, 2012Cassiram, Carmen July 04th, 2012Charles, Bheem May 10th, 2012 Charles, Marlon October 01st, 2011 Chattergoon, Edward February 06th, 2012 Chin, Derrick May 03rd, 2011 Churkoo, Boysie October 03rd, 2011Codrington, Irene December 07th, 2011 Cooper, George May 05th, 2011Corbin, Charles January 24th, 2012Creighton, Denzil February 12th, 2012 Daniel, Damian August 25th, 2011 Dick, Alicia July 04th, 2012Dickerson, Harold January 26th, 2012 Forrester, Mervyn March 25th, 2012 Francis, Bredalyne March 05th, 2012 Gangoo, Premchan September 25th, 2009 Gay, Oswald November 23rd, 2012Geeban, Rickie August 15th, 2012 Glasgow, Henry March 07th, 2012 Gooding, Jemma March 08th, 2012 Gooljar, Rajpaul February 09th, 2012 Greaves, Harold March 21st, 2012Gumbs, Errol June 01st, 2012 Hamilton, Arlene June 20th, 2012 Hart, Baby August 30th, 2011Henry, Phyliss June 04th, 2012Henry, Ralph July 03rd, 2012Husain, Wilfred October 14th, 2011Isaac, Joshua December 27th, 2011Jackson, Denis November 05th, 2011Jacob, Linette May 09th, 2012Jagessar, Nandlal July 18th, 2012 Jaimungal, Rampersad April 21st, 2011 James, Anthony April 01st, 2012 James, Jouranda March 02nd, 2012Jennings, Ronald June 26th, 2012Jhagroo, Sahadeo November 09th, 2011 Joefield, Edwin May 05th, 2012 John, Kenrick October 11th, 2011 John, Murray October 01st, 2011 Johnson, Evril October 31st, 2011Johnson, Winston June 14th, 2012Jones, Auldit October 11th, 2011 Joseph, Aldwyn November 07th, 2011 Joseph, Iona February 12th, 2012 Khan, Rasheek February 20th, 2011 Langley, Elias September 14th, 2011 Lewis, Hainsley August 06th, 2012 Lewis, Judy December 12th, 2011 Lochan, Ishripersad January 25th, 2012Magloire, Leonard July 09th, 2012

Mangaroo, Chaitram April 03rd, 2012 Mason, Darren February 01st, 2009Mc Intosh, Diane December 06th, 2012 Mitchell, Norris February 17th, 2012 Modeste, Zwade September 05th, 2011 Mohammed, Hamid January 13th, 2012Mohammed, Holly July 11th, 2012 Mohammed, Tara May 01st, 2012 Nicholas-Millette, Joanne November 11th, 2011 Noel, Yvonne November 13th, 2011 Ocho, Percival September 24th, 2011 Osborne, Dossy April 09th, 2012Oxford,Isaac February 02nd, 2012Padmore, Ernest July 09th, 2012 Pariag, Balkase December 14th, 2011Patrick, Russell September 21st, 2012Patterson, Carlton September 11th, 2011Patterson, Joanne May 16th, 2012 Paul, Duke April 25th, 2012 Paul, Enid December 16th, 2011 Paul, Leroy March 08th, 2012 Phillip, Earland July 21st, 2012 Pirali, Sheriff May 02nd, 2012Ragbir, Maria October 08th, 2009 Ragoo, Narine March 07th, 2012Rahaman, Ali Hussein July 31st, 2012 Ramadoo, Reuben March 30th, 2012 Ramcharitar, Motilal March 25th, 2012 Ramdin, Beresford March 29th, 2012Ramgoolam, Richard July 27th, 2011Ramkissoon, Matoon November 28th, 2011 Ramkissoon, Mungal March 03rd, 2012 Ramlal, Arjoon November 25th, 2006 Ramlal, Indra September 28th, 2011Ramlochan, Rooplal August 16th, 2012Ramnath, Sylvia January 19th, 2012Ramrattan, Ramdeo June 19th, 2012Ramsubhag, Parasram January 19th, 2012 Reid, Kevin February 09th, 2012 Roberts, Phyllis September 13th, 2011 Sampath, Francis October 10th, 2011Sampath, Masefiled April 01st, 2012 Samuel, Wayne January 21st, 2012 Sankar, Ivan December 28th, 2011 Santokie, Indera March 24th, 2012 Saunders, Stella May 31st, 2012Seale, Elderleen January 05th, 2012 Seales, Patrick March 12th, 2012 Seegobin, Leila December 26th, 2011 Seegobin, Paul October 28th, 2011 Seudath, Suresh November 23rd, 2011 Sleema, Stephen June 25th, 2011 Soanes, Learie February 12th, 2012 Sookdeosingh, Neville December 22nd, 2011 Sookoo, Becessar January 31st, 2012 Stamers, June June 07th, 2012 Stewart, Kenrick April 05th, 2012 Supersad, Charmaine January 04th, 2012Sylvester, Phyliss June 04th, 2012 Thomas, Christopher June 05th, 2012 Thomas, Clyde June 20th, 2008Thomas, Kendrick May 05th, 2012 Thomas, Margaret November 11th, 2011Tobias, Percival April 02nd, 2012 Tuitt, Clive February 12th, 2012Tyson, Leonard August 02nd, 2012Tyson, Tricia October 15th, 2011Ventour, Wilbert December 08th, 2011 Waldron, Selwyn October 08th, 2011Winter-Roach, George December 09th, 2011 Woodsley, Cynthia April 15th, 2012 Yearwood, Octave March 28th, 2012

TECUCredit Union

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International Year of Co-operatives

The United Nations General Assembly has declared 2012 the International Year of Co-operatives (IYC). The designation serves to highlight the contribution

co-operatives have had in reducing poverty, creating jobs and promoting social integration. The theme for the International Year of Co-operatives 2012 is

"Co-operative Enterprises Build a Better World."

On October 18th, 2012 Credit Unions all around the world will celebrate Internal Credit Union Day (ICU) with a theme which speaks to the heart of the Credit

Union Philosophy: “Members Matter Most”. “In the face of all challenges, credit unions have always existed to serve their members,” said Brian Branch, World

Council of Credit Unions president and CEO.

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