PSECCU 50th Anniversary Magazine

golden jubilee magazine

Our Jamaica, Your Credit Union

golden jubilee magazine

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VISION/MISSION/VALUE STATEMENT

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Chairman’s Message

6 Editorial

Congratulatory Messages 7

Governor General

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Prime Minister

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Opposition Leader

10 Minister of Industry, Commerce,

Agriculture and Fisheries

Messages 11 Registrar 12 League President

13 President of the Board of Directors 15 Chief Executive Officer

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17 Supervisory Committee Chairman 17 Credit Committee Chairman 18 CEO Credit Union Fund

Management Company 19 Photos: BOARD & COMMITEES 22 How It All Began:

The History of PSECCU 25 Golden Memories: Member

Testimonials from 50 years 27 Photos: (Blast from the Past) 28 Tribute to our First President 28 Past and Current Presidents of the

Board of Directors

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PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

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51 30 Holistic Health: Tips for a Healthy

Mind, Body and Spirit 32 Photos: Staff 35 Credit Union Fun Facts 36 Photos: PSECCU Branches 38 Calendar of Events 40 Timeline of PSECCU Highlights and

Major Milestones: 50 Years in the Making 44 List of Awards won by the Credit Union over the Years 46 Longest Serving Employees Feature 49 How to Become a Member of PSECCU 50 Testimonials

CREDITS Editor-in-Chief

Kelly Ann Dixon, MBA, BA

50th Anniversary Chairperson

Tamara Maxwell-Green, MBA., B.Sc

Creative Director

Latoya West-Blackwood, iPublish Consultancy

51 Photos: PSECCU Takes Pride in Giving Back 54 Credit Unions: Local Service Global Good 56 Acknowledgements 56 Credit Union Fun Facts: Answers

© Public Sector Employees Co-operative Credit Union 2018

30 Pseccuja www.Psecreditunion.com

Vision STATEMENT

To become the financial institution of choice for our members.

VALUE Mission

STATEMENT Our mission is to:

Serve the financial needs of our members by providing high quality and competitive services while maintaining fiscal soundness.

Provide our members with products and services that are desirable and that provide value in an environment of trust and integrity.

Provide financial counseling and responsible advice

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PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

STATEMENT Member Service Excellence We strive for the highest quality service by providing all members with friendly, knowledgeable and helpful service. We use technological advancements to ensure that our members have access to a wide range of financial products and services that are tailored to meet their needs.

Financial Excellence We make sound decisions that will ensure financial success for our members.

Employees We provide a safe work environment that fosters teamwork, personal development, and career advancement. We respect our employees and their contribution to our success.

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th Anniversary Chairperson

| 50Th Anniversary Chairperson |

Tamara Maxwell-Green JP., MBA., B.Sc Deputy Chief Executive Officer

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he Public Sector Employee Co-op Credit Union (PSECCU), is celebrating 50 golden years. Our Golden Anniversary Magazine will take you on a pleasant and proud journey through the last half century that has marked by a mix of memorable events, significant milestones and a series of innovations for which our founders, leaders and visionaries have to be credited. They have laid a solid foundation for our current success. Our current leaders, members and team continue to collective work to honour the efforts of the early pioneers whose efforts have shaped the many initiatives and policies that continue to positively impact our personal and professional endeavours. The principles of sound strategic planning and financial security continue to be the guiding principles of the PSECCU team. The mission remains to serve members’ financial needs, providing them with a sustainable means of pooling their resources to improve their lives through every stage whether it be acquiring a first home and financing a child’s college education or planning ahead for a secure and peaceful retirement. PSECCU takes pleasure in our role as the vanguards of the dreams and aspirations of our members.

We started this glorious journey as the Jamaica Special Constabulary Co-operative Credit Union Ltd with a single faithful step on May 14, 1968. This move to register as a credit union and an affiliate of the credit union movement, brought the total credit unions in the island to 131 at that time. The mission then, was to serve members of the Island Special Constabulary Force and their families financial needs. Since then our name has changed but our mission remains the same.

The PSECCU has rebranded twice and has extended bond to capture all employees of the Public Sector to expand its scope of products and service offerings. The PSECCU charts forward with the mandate to be the premier credit union of choice, meeting and surpassing the needs and expectations of our valued members.

We remain your credit union and a bonafide national building institution with an unbeatable record of 50 years of excellence in providing sound financial guidance and helping members to achieve their life goals.

This 50th Golden Anniversary magazine highlights the PSECCU’s transformation from the days of operating in a one room office at Harman Barracks to owning modern facilities and operating from two buildings located at 7-9 Union Square, Kingston 5 with three other branches located in the parishes of St. James, St. Mary and Manchester. The growth of staff compliment from two to 42 and the growth of membership from 70 to over 8,600. The role of visionary leadership cannot be overstated in this context. The organization’s performance in real terms and even the euphoria emitted on reflection, rivals that of even the best Jamaican athletic performance – imagine we’ve moved from granting of the first loan to a member of $100,000 to granting of loans to over 6000 members totaling $1.6 billion and the exponential growth of asset to over $2.1 billion.

We are on the move!

We salute the leaders and members who have propelled dreams into the stratosphere of a beautiful reality. It is my pleasure to share this brief reflection on this momentous occasion and wish to extend special thanks to our contributors and valued members for their continued support. The committee takes this opportunity to also express sincere appreciation and gratitude to our Chief Executive Officer, Board of Directors, Supervisory Committee, Credit Committee, Colleagues, Members of Staff and all our business partners for sharing in this extraordinary journey. Happy 50th Anniversary Public Sector Employees Co-op Credit Union, the best is yet to come!

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Fifty editorial

Years Kelly Ann Dixon MBA, BA Marketing and Communications Manager Editor in Chief

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s we celebrate 50 years of service, it is a special opportunity to reflect on our rich history. The Public Sector Employees Co-operative Credit Union Ltd began its operations in 1968 in a boarded cubicle at Harman Barracks, long before I was even born. History proves that our humble beginnings was steeped in greatness. That year Jamaica: • Saw the bid for the reduction in the voting age from 21 to 18 years was made in the House of Representatives by the Opposition People’s National Party • Reviewed the proposal for the 40-hour, five-day work week for employees in the Central Government Service as outlined by the National Workers Union (NWU).

So much has changed and been achieved from then to this day but the Credit Union has never wavered from its mission of improving the financial well-being of its members. Throughout our 50-years history, helping our members has remained our number one priority and is at the heart of everything we do. It’s embedded in our corporate strategy, our products and services.

We ensure that our members borrowing needs are met and that they receive the best rates of return on their 6

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savings and investments. Over the years the Credit Union has expanded and rebranded twice in the form of a name change and continues to meet and exceed the demands of its members, and there doesn’t appear to be a slowdown in sight.

I joined the staff of the Credit Union 10 years ago in January 2008 as a Customer Service Representative and over the years I have been able to achieve not only my educational but financial dreams because of the company’s internalized goals and objectives which is laid out for its employees. There is certainly a rare energy from our CEO Mr. Osmond Bromfield which is contagious, and a synergy that permeates the organization.

The Public Sector Employees Co-op Credit Union Ltd is a strong, solid and stable company that has withstood and overcome the challenges of our economy. Our team continues to evolve, remains unrelenting and is always looking for the next innovation to allow us to stand out further from the competition.

This commemorative magazine honors the pioneering spirit of our predecessors whose vision of ‘people helping people’ has grown substantially and touched so many lives in the process. Today, we stand with them, looking forward to building a future that others will be proud to build upon.

Enjoy your journey through these pages as you experience the history and current life of the PSECCU Ltd. I am extremely happy to be a part of the 50th celebrations of the Credit Union and cheers to another 50 more years of financial soundness!

PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

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| CONGRATULATORY MESSAGES|

MESSAGE

His Excellency The Most Hon. Sir Patrick Allen, ON, GCMG, CD, KSt.J Governor-General

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extend hearty congratulations to the Public Sector Employees Co-operative Credit Union Limited on the celebration of your 50th anniversary.

As your cooperative celebrates its golden jubilee as a premier financial institution that provides quality service for over eight thousand members, it brings into sharp focus the reality of the proverb that, “the journey of a thousand miles begins with the first step”.

This significant milestone is an extraordinary accomplishment that epitomizes the willpower of each member to create their personal and collective success within your organization. Since its inception in 1968, Public Sector Employees Co-operative Credit Union has been steadfast in fulfilling its mandate of ‘creating a source of credit for its members at legitimate interest rates for provident and productive purposes’, through its wide range of products and services.

I also applaud your deep interest in fulfilling your corporate social responsibility through activities such as the offering of grants, and tertiary education scholarships, as well as assisting children’s homes and disabled members of the Island Special Constabulary Force, among other initiatives.

As you continue to serve past and present Public-Sector Employees and other members of the union, I wish for you continued success in making this organization the place where our citizens financial security matters the most.

Happy 50th Anniversary.

I commend the organization for your invaluable contribution to nation building by being there for your members especially in those critical moments when your services are needed most.

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| CONGRATULATORY MESSAGES |

MESSAGE

The Most Hon. Andrew Michael Holness, ON, MP Prime Minister

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he Public Sector Employees Co-operative Credit Union (PSECCU) has maintained an outstanding level of service and professionalism and continues to impress with its ability to offer a host of tailor made plans and packages for its over 100, 000 members and their families all across the island. Since inception, the institution has not only been rebranded twice, but ensured inclusion was a main feature of expansion and benefits in finding the perfect operational fix.

I wish to congratulate the PSECCU on achieving the golden jubilee milestone spanning many generations, challenges and ever changing circumstances while keeping the hard working members as the focus and main thrust for all implemented initiatives. You helped to craft and create major savings and investment options for countless public sector employees and their families across the island who would’ve been omitted in the prior organizational structure.

Formerly, it was restricted and only offered to members of the Island Special Constabulary Force (ISCF). The subsequent merger between them and the Jamaica Constabulary Force (JCF) fully bloomed into an inadvertent call for expansion.

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This new move saw all public sector workers and their families including those with other credit union accounts moving impressive figures to present day figures five times higher in yield, deposits, share capital, and over $2 billion in assets. The spread of branches across Jamaica facilitate easier reach and inclusion for all our public sector employees and matches our long standing belief in long term financial security for all Jamaicans. The various loan products and services should offer great options during the period of public sector transformation and add to the many choices available to those moving on to other professional and personal pursuits.

The PSECCU offers the greatest cushion, financial safety and security to our treasured public sector employees.

As a member of the public sector myself, I wish to use this opportunity to again salute the hardworking, resilient and committed management and staff at the Public Sector Employees Co-operative Credit Union on this 50th anniversary celebration and we anticipate even greater things as time endures across generations.

PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

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| CONGRATULATORY MESSAGES|

MESSAGE

Dr. The Honourable Peter Phillips Leader of the Opposition

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s the Public Sector Employees Co-operative Credit Union celebrates its 50th anniversary, it can take pride in the fact that it has created a range of financial services and products to serve those whose needs have not been met by the traditional financial institutions. The Credit Union, by providing access to credit, has helped its members to build successful businesses, furthering their education and improving their living standards.

The Credit Union movement has also taught many Jamaicans the virtue of saving and nurtured many along the path of successful entrepreneurship. One indicator of the growing demand for the services you offer an the reach of your organization is the exponential growth of your membership from just 70 members in 1968 to over 8,600 in 2018.

Looking ahead, it is clear that Jamaica’s economic recovery and the achievement of the levels of economic growth required will only be realized with the expansion of Micro, Small and Medium Sized Enterprises (MSMEs). It is here that national targets for job creation and a more inclusive economic growth will be realized. It is among this growing entrepreneurial class that the Credit Union movement has made its most important contribution and for this reason has a critical role to play in Jamaica’s economic future.

Let me once again congratulate the Public Sector Employees Co-operative Credit Union on celebrating this significant milestone and wish for you continued growth and success.

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| CONGRATULATORY MESSAGES |

MESSAGE

Honourable Audley Shaw, CD, MP

Minister Of Industry, Commerce, Agriculture and Fisheries

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ongratulations to the directors, employees and members of the Public Sector Co-operative Credit Union Limited (PSECCUL) on celebrating ‘50 years of Outstanding Service’.

status of members, enabling them to be firsttime homeowners, entrepreneurs and allowing many families to grow their own savings to meet their financial goals, even in the face of troubling financial times.

Since inception in May 1968, the PSECCUL has undergone several changes in its structure and name in order to better equip itself to meet the needs of its customers and has indeed evolved in its reach and quality of service.

Through the affordable terms and conditions and wide range of products provided, our credit unions also help to stimulate local investment.

Today, the credit union stands as a premier financial service provider catering to over 8,600 customers, having begun its operations with just 70 members.

I also applaud the company’s financial growth.

Having recorded $2.1 Billion in total assets as at December 2017 and a savings portfolio of over $1.3 Billion. The PSECCUL is indeed making strides.

I applaud the ‘Outstanding Service’ of PSECCU in this regard and take this opportunity of the company’s golden anniversary, to wish the directors, staff and members continued success, even as the PSECCUL continues to be a major partner and participant in the Government’s overall growth agenda.

Credit Unions play a vital role in the lives of many Jamaicans and are significant players in the transformation of the social and economic

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PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

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| CONGRATULATORY MESSAGES|

MESSAGE

Errol Gallimore

Registrar of Co-Operative Societies and Friendly Societies

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he Public Sector Employees Co-operative Credit Union has been a financially stable credit union to its members and it’s wider stakeholder community over the past fifty (50) years.

Fifty (50) years in the life of any organization is indeed a significant milestone worth celebrating; and your growth of membership from seventy (70) to its present number of eigth thousand six hundred and eighteen thousand (8,618) is a testimony to the quality service provided.

Your membership base comprising individuals from the merger between Island Special Constabulary Force (ISCF) and the Jamaican Constabulary Force (JCF) ensures that these persons can carry out their important functions with the assurance that there is an organization that is taking care of their financial needs.

The Credit Union continues to remain resolute providing a wide range of products, services and has transformed itself into a new entity, through rebranding and name change to be the Public Sector Employees Co-operative Credit Union Limited. This action is indeed a strategic move which put the Credit Union at higher place in visioning.

tinues to show positive growth evidenced by; Total Savings of over $1.3B; Total Assets of over $2.1B and Loan Portfolio of over $1.6B as at December 2017.

As the Regulators of the Movement, we are committed to providing support and guidance in keeping with good governance standards and statues, thus ensuring that the Credit Union’s operations continue to withstand the highest level of probity whilst safeguarding the members’ interest and the Credit Union brand.

It is anticipated that the Public Sector Employees Co-operative Credit Union will achieve through strategic vision and action many more successful years for its members; as the Credit Union has been seen as a “Leader of Change in the Movement”.

Once again, please accept congratulations on the achievement of you 50th Anniversary and best wishes for future success.

The financial performance of the Credit Union con-

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| CONGRATULATORY MESSAGES |

MESSAGE

Winston Fletcher President of the Credit Union League

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n behalf of the Board of the Jamaica Cooperative Credit Union League (JCCUL), I am pleased to extend hearty congratulations and best wishes to the volunteers, management, staff, and members of Public Sector Employees Cooperative Credit Union (PSECCU), on the occasion of your 50th anniversary. Fifty years in the life of any organization is indeed a major milestone that is worthy of celebration, and we salute you, as you take time to reflect on the past fifty years, and envision the next fifty years and beyond. For the last five decades, PSECCU has been consistent in providing exemplary service and modern financial products, at affordable prices, contributing to their members’ social and economic empowerment.

For this reason, your theme “Celebrating 50 years of outstanding service”, is most appropriate.

The fledgling entity that began on May 14, 1968, in the precinct of Harmon Barracks, Up Park Camp, has over the years, emerged as a financial giant in the security services industry. Accordingly, credit is due to the hardworking volunteers and management and staff, past and present, who have collectively contributed to the growth of membership, from 70 in 1968, to over 8,600 currently. The solid growth seen in other areas is also commendable. For example, at the end of 2017, PSECCU recorded total assets of over $2.1B, a loan portfolio of $1.6B, and a savings portfolio of $1.3 billion.

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Over the years, and through your many changes, attention has been given to expanding your common bond, to accommodate; family members, all employees of the public sector, and past employees, including retirees. This is a true manifestation of the ethos of the Movement, depicted in the hands and globe that Credit Unions are fundamentally about families, biological or otherwise.

The celebration of your golden jubilee comes at a time when the Movement is about to enter a new paradigm, the transition from self-regulation by JCCUL, to a regulatory regime superintended by the Bank of Jamaica (BOJ). This is profound, and there will be challenges. I urge you however, not to be deterred, but instead stride confidently into the unknown, while capitalizing on the many opportunities along the way, secure in the knowledge that the credit union principles that have fortified you over the past fifty years, will be the very principles that will guide and sustain you in this new dispensation.

Congratulations and best wishes, as you celebrate fifty years of accomplishments and distinguished service to your members, your communities, and Jamaica land we love.

PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

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| CONGRATULATORY MESSAGES|

MESSAGE

Calvin Allen, M.Sc President of the Board of Directors

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s President of the Board of Directors of this great and progressive institution, I feel very privileged and delighted to share this message on the occasion of the Public Sector Employees Co-operative Credit Union Limited 50th anniversary. This is indeed a special time in our company’s history as we celebrate with humility, giving God thanks for his mercies.

A popular Chinese proverb states that the journey of a thousand miles begins with the first step. In this case, that single step was made way back in 1968 and has seen the unfolding of a rich and proud legacy of care and concern for the well-being and upliftment of our fellow men. This has indeed been a remarkable and fulfilling journey; one that we must all be proud of and which must cause us to pause, applause, recognize and celebrate. Through God’s grace and mercy, our visionaries have steered us through many treacherous waters into a path of financial health and security.

Reflecting It is hard to believe that it has been 50 years. Who could have predicted that a little more than an idea and the involvement of a few men would have blossomed, survived and evolved to us now celebrating 50 years of dedicated and quality service to our fellow men and becoming a financial institution to

be reckoned with. We were tiny at the beginning.

Some would even say our survival is a tribute to our hard work. I would like to think that our 50 years of success can be attributed to a meticulous commitment to core values, our commitment to our employees and their families and most significantly, our commitment to the satisfaction of our members.

In fact, it is you our valued members that have remained true, committed and supportive of our every move. We must pause to thank you all for the trust you have placed in us and for your business.

Your continued investment has been the catalyst that has caused us to navigate the treacherous waters of financial competition, economic transformation and the liberalization that have taken place of the entire Credit Union movement.

It is indeed a movement and it is quite evident that we have not stood still. We have made many moves, hence, thanks to the Cleveland Messiah’s Vision, we are not tenants of our headquarters but still full fledge owners.

We have established a track record of doing the impossible. At the heart of these accomplishments is a great deal of teamwork, sacrifice, dedication and a willingness to take risks to the benefit of our members. However, now is not the time to rest.

Although we may be tempted to indulge in a self-

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| CONGRATULATORY MESSAGES | congratulating moment, we must remain mindful that the world is ever-changing. We must celebrate and importantly, we must recognize those whose visionary leadership and unquestionable integrity has placed us on a platform for continued growth with our members at the centre of our every strategy.

convenience and synergy for our valued members. As we take on the mantle of catering to the entire Public Sector family, we will continue to work hard and invest in this movement. We enter this new phase with great excitement as we anticipate what lies ahead in the charting of another 50 years

As we recognize all those that have given selfless contribution to the growth, permit me to single out for special recognition, our current Chief Executive Officer (CEO), Osmond Bromfield. He has served the Credit Union for over 30 years in various positions, such as: Supervisory Committee member, Treasurer and now CEO. His appointment as Treasurer in 1992, has steered us to exponential growth and expansion as under his tenure, the Credit Union’s assets moved from $5 million to over $1 billion and to date, our assets total over $2 billion dollars.

Despite the many changes and at times, the very unpredictable environment, the indomitable will of the past, the passion of offering quality service to our valued members, coupled with your support and trust will be the foundation upon which we will chart another 50 years.

Today, we operate out of four branches. Our head office which is located at 9 Union Square, Kingston 5, Our Area 1 branch at 66 Claude Clarke Avenue, St. James, Area 2 branch at Shop 10 Pompano Shopping Complex, Tower Isle, St. Mary and Area 3 branch, 9 Ward Avenue, Mandeville, Manchester for greater

To all our employees, my colleague board of Directors, Credit and Supervisory Committee, Stakeholders and friends – I thank you for your continued commitment, support and trust.

Let us move forward in faith, let us continue to innovate, let us continue to always find new ways of growing our Credit Union and building wealth and security for our members.

| CONGRATULATORY MESSAGES|

MESSAGE

Osmond Bromfield, OD, JP Chief Executive Officer

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am pleased to say that I have been serving the Public Sector Employees Co-operative Credit Union (PSECCU) for over 28 years in the following capacities; • 1990-1992 - Vice President Board of Directors • 1992-2012 - Treasurer/Managing Director • July 1, 2012 - present - Chief Executive Officer

On May 14, 2018, we will reach a milestone in the history of PSECCU—50 years of outstanding service to our members. For 50 years, our members have been able to rely on us to be there for major financial decisions, and as we look to the future, we remain devoted to serving our members and our communities. We have many milestones and achievements to celebrate. We have grown and developed in so many ways since our inception in 1968 as the Jamaica Special Constabulary Co-operative Credit Union Ltd to the National Security Employees Co-operative Credit Union Ltd in July 2014 and most recently to the Public Sector Employees Co-operative Credit Union Ltd on October 3, 2017.

Throughout my tenure I have seen exceptional growth and developments over our 50-year history. We came from humble beginnings; our Credit

Union was founded at Up Park Camp in a boarded cubicle and I am pleased to report that PSECCU’s assets have grown to $2.1 billion, and our Credit Union which began with 70 members have grown to over 8000 members presently.

As we celebrate our 50th Anniversary, we reflect on our accomplishments which have allowed us to rise as a leader within the Credit Union movement and the financial services industry. We have accomplished many milestones and changes in the last 50 years, including changing our name twice, but one thing remains the same; we exist to serve our members in a way that is altogether different from other financial institutions.

Today our branch network has us in four parishes in Jamaica namely; Kingston and St. Andrew where our head office is located, St. Mary, St. James and Manchester. Throughout our 50 years we have focused extensively on product development by providing our members with the best in vaalue and convenience and we are fortunate to be where we are through the hard work, perseverance and dedication of our members along the way.

While we are proud of where we are coming from, we are steadfast and focused on where we are going, and we look forward to continuing to provide

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| CONGRATULATORY MESSAGES | innovative products and services, excellent member service and working together with our members to become stronger than ever.

The reputation that we have earned as a service provider is well-deserved as we have been relentless in our pursuit to become the best in the financial industry. Our vision for the future is to create value for our members by offering competitive interest rates on all our products and services. To become their financial partners throughout their lives, and to be adaptive, innovative and technologically driven which will make the member experience seamless and

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establish meaningful relationships where members are more than just ‘an account holder’. There’s no doubt in my mind that we will face challenges, but I firmly believe that we will be able to overcome these.

I am so proud to be part of this team, and as we anticipate what’s in store for PSECCU, I want to thank all of our members, Board of Directors, Committees, employees, and business associates along the way for your dedication and support. We could not have done it without you and we appreciate all the ways that you have helped to shape our history and look forward to seeing where we go next.

PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

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| CONGRATULATORY MESSAGES| Nigel Davis, A. Sc. (Hons.)

Michael Farquharson

Supervisory Committee Chairman

Credit Committee Chairman

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he Humble beginnings marked the establishment of Public Sector Employee Co-operative Credit Union Limited (PSECCU) formerly National Security Employee Co-operative Credit Union Limited (NSECCU) and Jamaica Special Constabulary Co-operative Credit Union (JSCCCU) respectively. Founded in 1968 by members of the Island Special Constabulary Force through a spirit of ‘neighbours helping neighbours’, this organization has transformed from a single office operation at Harman Barracks to a celebration of 50 years of distinguish service to the public sector workers and their family, and I am quite honoured to be chairman of the Supervisory Committee at this time.

Our major role over the five decades was to maintain oversight of the safety and soundness of the organization.

Today we remain very committed to this task. Operating independently of all entities of the credit union, we are dedicated with the constant effort of ensuring that the Board, the staff, and all policies, practices and procedures are compliant with applicable laws and regulations. We are mandated to ensure that the organization constantly seeks to maximize benefit to members, and that the overall operations are in keeping with local and international best practices within the movement.

The PSECCU has grown and developed in so many ways since its establishment in 1968. And in so doing, it has positively impacted the lives and livelihood of many. Today, it represents the premier financial institution with service being its core value, and ‘members’ financial security matters most’.

Heartiest congratulations to the Board of Directors, management and staff as well as the various committees for a job well done. I am very proud and excited to celebrate with the PSECCU 50 years of achievements. I invite everyone to share ‘the Credit Union’s Experience’!

Half a century of sound prudential management has indeed left us with myriad significant milestones and monumental achievements for which we can be proud.

T

he Credit Committee is proud to be a part of this Golden Anniversary Celebration and the tremendous accomplishments of the Public Sector Employees Co-operative Credit Union. The growth our Credit Union has shown over Fifty (50) years, is an indication of the golden path we are being steered on to ensure success.

The Public Sector Employees Co-operative Credit Union (formerly the Island Special Constabulary Force) started with the concept of a Thrift Club and was thought of by over twelve (12) members of the Island Special Constabulary Force. This concept grew from a humble beginning to servicing its present membership of over 8,000 members and a staff compliment of over 40. We continue to grow from strength to strength, improving our products offering and as such further impacting the lives of our members.

Fifty (50) years have given us time to blossom into who we are today; saving and meeting the needs of our members and using that as a compass to direct us into the right direction, resulting in us gaining valuable experience to better serve the financial needs of our members. Considering the foregoing, I want to thank the Board, Management, Staff and Committees for their stewardship over these Fifty (50) years.

On behalf of the Credit Committee, we want to thank our valued members for their support over the years and we’re looking forward to growing with you for another Fifty (50) years and beyond.

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| CONGRATULATORY MESSAGES | 50 years. These include the team of dedicated employees, volunteers and members of the Credit Union. Kudos to you all.

Adrian Thompson

CEO, Credit Union Fund Management Company Limited

The Credit Union Fund Management Company Limited is very pleased to be associated with the Public Sector Employees Co-operative Credit Union.

Working with you has been a real honor, we have always found fruitful results in all our partnerships, and we value each and every transaction and deal.

We wish you all the success for many more years to come and we say Congratulations! You have successfully reached an important milestone with finesse.

O

n behalf of the Credit Union Fund Management Company Limited, I extend our heartiest congratulations to the Public Sector Employees Co-operative Credit Union on completing 50 years in business. Who would have predicted that this small Credit Union which began its operations on May 14, 1968 at Harman Barracks Up Park Camp with less than 100 members would have risen to the heights it has today.

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PROFIT from our EXPERIENCE!

This milestone provides us with an opportunity to both reflect on the past and to look forward to the future. Throughout the years, the financial sector has experienced many challenges, and we have seen a significant reduction in the number of Credit Unions operating in Jamaica. Your Credit Union has weathered the storms and has become a notable player not only in the Credit Union movement but also in the wider Financial Sector, in a constructive and meaningful way, while building eminent goodwill among your members.

As you think ahead to what the next 50 years will hold, we urge you to keep your sights fixed firmly on the future, as you continue to embrace the changes in the financial landscape. We have no doubt that you will continue to build on the great legacy of the forefathers, as you continue to satisfy the financial needs of the employees in the public sector.

We’ve Spread our Wings... ...Now

Call us for • Investment advice • Financial Planning • Structured Financing • Portfolio Management • Pension Administration • Equities Trading • Bond Trading • Pooled Investment • Access to Research and Analysis

Finally, no occasion like this would be complete without a full appreciation of the efforts of all those who have worked so hard over the past

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serving all investors.

PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

Go Higher. Grow Stronger.

10 Ruthven Road, Kingston 10.

www.cufmco.com | info@cufmco.com | 876-926-7767

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| BOARD & COMMITEES|

BOARD of directors

SEATED: L-R

Dacy-Ann Graham, Asst Secretary | Calvin Allen, President, Jeanette Davis, Vice President

STANDING: L-R Christopher Murdock, Asst Treasurer | Courtney Faulknor, Director | Errol Adam, Secretary Andrew Johnson, Director | Eric Wint, Director | Missing: George Hunter, Treasurer

Credit Committee

SEATED: L-R

Patsie Wallen Lindsay, Secretary | Carlene Allen

STANDING: L-R Michael Farquharson, Chairman | Anthony Lewis | Steven Watson

Our Jamaica, Your Credit Union • Celebrating 50 Years 1968-2018

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| BOARD & COMMITEES|

Supervisory COMMITTEE

L-R Nigel Davis, Chairman | Juniffer Dixon-Gordon, Secretary | Julian Oscar | Omar Drysdale Sancha Miller-Mcpherson

MANAGEMENT TEAM

SEATED: L-R

Charles Tam, Chief Operations Officer | Osmond Bromfield, Chief Executive Officer

Tamara Maxwell-Green, Deputy Ceo STANDING: L-R Yanique Watson, Legal And Risk Manager | Lisa Harry, Administration and Support Services Manager | Kellyann Dixon, Marketing and Communications Manager | Chezray Rodney, Information and Technology Manager | Simonne Hunter, Accounts Manager | Tracey-Ann Francis-Phillips, Credit Administration Manager 20



PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

 golden jubilee magazine

| history of PSECCU |

how all

began it

THE HISTORY OF PUBLiC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

T

he Public Sector Employees Co-operative Credit Union Ltd, formerly National Security Employees Co-operative Credit Union Ltd (NSECCU) and before that the Jamaica Special Constabulary Co-operative Credit Union Ltd, was established from humble beginnings on May 14, 1968 by founding members Mr. Auville Hutchinson, Mr. Clevland Messias, Mr.E.C Murray, and Mr.Leon Bailey.

The Credit Union began its operations as the Jamaica Special Constabulary Co-operative Credit Union Ltd in a time when members of the Island Special Constabulary 22

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Force (ISCF) were up against low wages and exorbitant interest rates from lending institutions. The first office of the Credit Union was in a boarded cubicle in building number 347 at Harman Barracks Up Park Camp with 70 members joining on the first day. By the end of that year membership grew to 142 members.

In July 1968, the Credit Union had its inaugural Annual General Meeting and elected its first Board of Directors, Credit and Supervisory Committee members as follows:

PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

 golden jubilee magazine

| history of PSECCU|

BOARD OF DIRECTORS • Cleveland Messias – President • E.C. Murray- Treasurer/Secretary • Leon Bailey-Asst Treasurer/Secretary • Joseph Campbell

CREDIT COMMITTEE

take up full time duties at the Credit Union as Chief Executive Officer. He has been able to drive the growth of the Credit Union from $6M in assets in 1992 to over $2.1B as at December 2017. The Credit Union is not only pleased with its growth over the years but its role impacting the lives of its members.

MERGER OF THE ISLAND SPECIAL CONSTABULARY FORCE (ISCF) AND JAMAICA CONSTABULARY FORCE (JCF)

• Colin Brown • Herbert Welch • W.C. Jervis

SUPERVISORY COMMITTEE • Messrs Miller • Messrs Carey • Messrs Richards Under the stewardship of Mr. Gosma Budhoo, former Asst. Commandant of the Island Special Constabulary Force, and Mr. Neville George, the Credit Union purchased its headquarters on the third floor at 9 Union Square Cross Roads on May 12, 1987.

In 1992, former Vice President of the Board of Directors Mr. Osmond Bromfield took the mantle of Treasurer from Cpl. Derrick Brown. Osmond Bromfield held that position from 1992 to 2012 when he retired from the Island Special Constabulary Force as Commandant to

After recommendations from the Wolfe Report 1991 and several case studies, the government of Jamaica, approved the merger of both forces in May 2014 which was aimed at increasing the numbers in the police force and placing more members on the streets to tackle the country’s crime problem. After the merger of both forces, it became evident that the Credit Union no longer had a common bond to appeal to, and so the membership voted for the rebranding of the Credit Union in the form of a name change to the National Security Employees Co-operative Credit Union Ltd and a change in tagline to ‘where your financial security matters most’ to strategically re-position itself in the marketplace by extending and expanding its bond to include employees within the auspices of the Ministry of National Security.

Our Jamaica, Your Credit Union • Celebrating 50 Years 1968-2018

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| history of PSECCU | On July 18,2014 the Credit Union officially became National Security Employees Co-operative Credit Union Ltd. In the same year that the Credit Union rebranded to NSECCU, membership increased to over 7,000 members and assets grew by $94,594,494 or 6%.

REBRANDING TO THE PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD At its Annual General Meeting held on July 8, 2017, the membership once again voted for the rebranding of the Credit Union in the form of a name change and expansion in its bond. On October 3, 2017, the National Security Employees Co-operative Credit Union Ltd rebranded to the Public Sector Employees Co-operative Credit Union Ltd. The Credit Union’s bond was also expanded to include: a) All employees of the Government of Jamaica – Public-Sector Employees; b) Past employees of the public sector who were members of the Credit Union when they resigned or retired; c) Employees of the Public-Sector Employees Co-operative Credit Union Ltd; d) Members of other credit unions who serve Public Sector employees; e) Spouses and/or children of active members mentioned above

TOUCHING MEMBER’S LIVES The Credit Union continues to cater to its members by providing products and services to meet them at every stage of their financial lives with a view to become their financial institution of choice. In addition to the Credit Union’s head office at 7-9 Union Square Cross Roads, the Credit Union also operates three rural branches at the following locations: • Shop 10F Pompano Shopping Complex, St. Mary • 9 Ward Ave, Mandeville, Manchester • 66 Claude Clarke Ave, Montego Bay, St. James The Credit Union also operates a mobile branch which makes daily visits to current/prospective members in different divisions. Members can process loans, withdrawals, transfers, make account enquiries and sign up to become a member on the mobile branch.

Members are also provided with the convenience of 24/7 access to their accounts using the online banking platform and access monies from their accounts using their access Plus debit card. Being the credit union of choice, PSECCU has also ensured members access to insurance products such as the Family Indemnity Plan (FIP), Critical Illness Rider, Life Savings Coverage and Loan Protection Coverage.

Our focus has always been on member satisfaction and introducing products and services that are innovative, relevant and able to satisfy our members’ needs. The high levels of commitment and loyalty displayed by our members to the Public Sector Employees Co-op Credit Union has allowed us to record growths in our loans, savings, and asset portfolio over the last five years as shown in the table below.

Period

2013

2014

2015

2016

2017

Membership

6657

7319

7607

8080

8618

Assets ($’000)

$1,368,133

$1,540,940

$1,635,534

$1,899,020

$2,106,659,122

Savings and Deposits ($’000)

$773,940

$813,068

$1,000,443

$1,150,010

$1,309,366,930

Loan ($’000)

$1,072,625

$1,202,375

$1,273,626

$1,495,139

$1,646,606,050

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PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

 golden jubilee magazine

golden

| Testimonials |

Memories Member Testimonials from 50 Years Greetings fellow and prospective members: It is with humbleness of heart that I accept this opportunity to contribute in this 50th Annual General Meeting, and I recognise those who are responsible for allowing it to happen. I thank you.

This noble financial institution, Public Sector Employees James A. Brown J.P Cooperative Credit Union Limited has come a far way since its inception on th the 14 day of May 1968; and within reasonable time I became the 52nd member, and have accepted all the numerous changes of name which tantamount to the same financial goal and benefits.

This Credit Union came in the time that rescued us from persons who would financially exploit the weak in our organization, described today as extortionists. They were the privileged persons who paid you your income, and used the opportunity to be predatory; lending and collecting at the same time, if you fell prey and did not have the financial wisdom to protect yourself. The saying is that “Where the need exists, it is folly to resist”.

However, it could not have caught me because of my foresight, and I endeavoured to encourage some of my associates not to indulge. Subsequently, at the birth of this Credit Union, it successfully challenged those financial oppressors. This Credit Union provided the opportunity to save regularly what you could afford, borrow within your limit for almost any occasion, and repay without stress.

Some of the benefits that I have received from PSECCU to date have created an opportunity for me to: save within my means, assist with home improvement, acquire furnishings and maintenance. I’ve also paid consolidated bills, family health and insurance, and provided educational support for my children.

In addition, my several used car needs were realized; and in 2002 I acquired a new 2002 Honda CRV which happened just one (1) year preceding my occupational retirement. These are some of the opportunities and benefits of being a member of this Credit Union. I am a proud husband and father, and today because of the benefits my family received, they too have become members. Our Credit Union means the world to us, for “it is by diligent sowing that we reap.”

It has been my pleasure to have served then on the executive bodies including the board.

I wish to recommend that in moving forward, the Credit Union should make more provisions for seniors who are the core builders and carvers of these institutions; and that those at different levels and at the helm of the institution continue to perform at the highest level of integrity and professionalism.

I wish to encourage existing and prospective members to examine all the benefits available, choose wisely, save regularly, borrow for real needs, honour your agreed obligation and be a proud investor in your Credit Union.

May God continue to bless our Credit Union over, above and exceeding our expectation.

Our Jamaica, Your Credit Union • Celebrating 50 Years 1968-2018

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| Testimonials | building, number 303 situated on the north western section of the Harman Barracks compound which was occupied by the Island Special Constabulary Force.

Over the years I have benefitted from a number of small and medium size loans; one such loan assisted me to achieve my goal of owning a motor vehicle – brand new Suzuki Swift from Stewart’s Auto Sales.

MRS. JOYCE BANTON HARRIS, JP

The Jamaica Special Constabulary Force Co-operative Credit Union Limited as it was called then was registered on May 14, 1968 with membership 127 strong.

At that time the credit union provided three main areas of service: a means of accumulating savings; a source of credit; and education in the management and control of money.

In celebrating 50 years of service, it is important to note and name the founding fathers of the credit union, namely Mr. C.A. Messias, W.C. Jarvis (Deputy Commandant) and W.C. Walcott (Staff Officer), all of whom are now deceased. The then Secretary/Treasurer was Mr. E.C. Murray (Special Sergeant).

Having enlisted in 1967, I was privileged to become a member of the Credit Union just a year later in 1968 when it formally commenced operations. My membership number is 17 and I am proud to hold the record as being the first female member. I was also the first female to work in the organization as a clerical staff alongside the late Inspector Leon Bailey who was the then Secretary/Treasurer.

The first office of what is now the Public Sector Employees Co-operative Credit Union was a single-room

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Another milestone achieved was the purchasing of my first home in Ensom City, St. Catherine using a loan of J$1,000.00 – unbelievable now but life changing then!

Forty-two years ago that sum was a huge amount of money for a Special Sergeant.

I am beyond proud to bear witness to the strides of the Credit Union and its team over these 50 years with special commendation to Mr. Osmond Bromfield whose steady hand and visionary strategy has played a big role in this extraordinary accomplishment.

I must give God thanks that he has blessed me to be around for a moment like this.

PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

 golden jubilee magazine

blast

| BLAST FROM THE PAST|

past m e fro h t

Our Jamaica, Your Credit Union • Celebrating 50 Years 1968-2018

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| presidents |

first Tribute to Our

Past and Current

presidents of the Board of Directors

President

1968 - 1979 Cleveland Messias 1979 - 1982

D’Sent Nicholas 1982 - 1986

Winty Batson 1986 - 1989

Neville George 1989 - 1990

Dalton Samuels 1990 - 1997

D’Sent Nicholas 1998 - 2005

T

he popular Chinese proverb states, “If you are planning for a year, sow rice; if you are planning for a decade, plant trees; if you are planning for a lifetime, educate people.” This sums up the entire philosophy of the time and life of our first president and co-founder of this credit union, Mr. Cleveland Messias , a visionary, who built the solid foundation on which the Public Sector Employees Credit Union thrives today.

Lascelles Chambers 2006 - 2008

Douglas Fletcher Leonie Smythe-Melhado

We thank him and the many other pioneering leaders and members who pushed past the obstacles to pave the road to success that allows us to celebrate 50 years of service to the cause of transforming lives through sound financial planning and a healthy mindset for achievement.

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

2008 - 2013

PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

(First Female President in Pseccu History)

2014 - Present

Calvin Allen

 golden jubilee magazine

| Holistic Health |

Holistic

health Tips for a Healthy Mind, Body and Spirit

W

e experience it every year, like clockwork, as one year ends and a new one dawns, we all go back to the resolutions list making note of all the things we hope to achieve. For some it might be lofty weight loss goals, for others it might be small steps towards making big changes in their personal and professional lives. The truth is New Year Resolutions as we have come to know and practice them don’t work without a personal commitment to change. The world and the Caribbean in particular continues to grapple with the epidemic of non-communicable diseases (NCDs). In Jamaica, cancer, diabetes, cardiovascular disease and chronic respiratory diseases such as asthma continue to be the lead-

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ing cause of death; Jamaica’s high crime rate is alarming but NCDs continue to be a major silent killers according to the Statistical Institute of Jamaica which reported that over 12,733 Jamaicans died as a direct result of NCDs in 2014.

With that being said, most Jamaicans have come to accept that health and general wellness of the mind, body and spirit is the most important aspect of your life for which we required daily deliberate steps and actions to cultivate positive habits towards a holistic lifestyle. Without holistic health and well-being, all other goals and achievements become null and void. Declining health and vitality robs you of precious energy to achieve your personal or professional goals.

We thought it was important to share a few simple tips and practices with our members that can be incorporated

PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

 golden jubilee magazine

| Holistic Health| into your daily routine right away. On the occasion of our 50th anniversary, we wish you a health life filled with happiness and continued achievement.

1. Move It! Regardless of your age, your brain and body expect and require movement for health. Jamaica’s Ministry of Health recently launched a campaign called Jamaica Moves for that very reason. You don’t have to be a fitness expert or live in the gym, do some form of exercise that significantly raises your heart rate for 30 minutes at least four times a week. Remember also to break up your sitting and move frequently during the day.

2. Rest, Relax, Rejuvenate.

We live in the ‘hustle’ era. More people, especially entrepreneurs, take pride in being members of team no sleep. The truth is sleep is often the single most undervalued behavior in our lives, and the one with the most immediate power to improve our experience in every waking moment. Aim to get at least 6 hours or sleep each night. You should also schedule time to relax and rejuvenate your mind, spirit and body in the same way you schedule meetings. Trust us, incorporating this tip will leave you feeling more physically energized, emotionally resilient, and mentally clear.

3. Eat less, more often.

Food is fuel, and real food please! Jamaica is blessed with a natural abundance of fruits, vegetables and other tasty crops right from the soil. Lean proteins and vegetables/fruits (complex carbohydrates) are your good gas, your high-octane fuel. You’re best off when you eat in small doses throughout the day, beginning with breakfast. The saying is eat like a king/queen at breakfast, like a prince/princess at lunch and like a pauper at dinner. Start big and keep it simple towards the end of the day.

4. Be present.

The greatest gift you can give someone is your undivided attention. We are often so busy chasing the trappings of life that we neglect to spend quality time with those who matter most to us. It is easy to be physically present but mentally and emotionally absent in this era of technology. Shut off your phone at a certain time each day, and practice being present with your family and friends.

5. Practice Gratitude.

We’re far quicker to notice what’s wrong in our lives than we are what’s right. To help change this mindset, once a week aim to write a note of appreciation to someone who deserves it, telling the person precisely what you’re grateful for.

6. Never stop learning.

In this time, learning is not a rigid structure but a fluid and never ending process. Getting a degree or completing school is a great achievement but no reason to get comfortable. Our brains work better if we challenge them, and life becomes more interesting when we do.

Reading books is a simple and effective way to learn and grow, but so is building a daily practice around learning a new language, a sport, an instrument, or around how to fix a car, or draw.

7. Give back.

Lending a helping hand not only aids others in need, it’s also very rewarding. Throughout the year, aim to take some time to add value to the world at large by supporting charities, standing up for great causes, or giving back to your community. There’s also the simple act of checking in on a neighbour or friend.

Our Jamaica, Your Credit Union • Celebrating 50 Years 1968-2018

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| STAFF PHOTOS|

Credit Department

Seated: L-R

Racquel Walters, Mobile Branch Officer | Charles Tam, Chief Operations Officer

Davia Thawe, Loans Officer Standing: L-R Crystal Scarlett, Snr Loans Clerk | Jodi-Ann Smith, Loans Clerk | Taleta Henlon, Loans Officer Jodi-Ann Mcbean, Junior Loans Clerk | Sharon Smith-Linton, Delinquency Officer | Patricia Mclawrence, Snr Loans Clerk | Tracey-Ann Francis Phillips, Credit Administration Manager

Accounts DEPARTMENT

Seated: L-R

Kimone Cameron, Accounts Officer | Pete Morse, Accounts Officer

Standing: L-R Simonne Hunter, Accounts Manager | Shanique Beckford, Snr Accounts Clerk | Kaedene Saunders, Junior Clerk | Gavin Mighty, Junior Clerk | Shanika Murdock, Junior Clerk | Alaine Williams, Snr Accounts Clerk 32

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PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

 golden jubilee magazine

| STAFF PHOTOS|

MARKETING DEPARTMENT Seated: Kellyann Dixon, Marketing and Communications Manager Standing: Nadine Edwards, Customer Service Clerk

ADMINISTRATION DEPARTMENT Seated: Lisa Harry, Administration and Support Services Manager Standing: Tamara Barrett, Executive Assistant

Our Jamaica, Your Credit Union • Celebrating 50 Years 1968-2018

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| STAFF PHOTOS|

it DEPARTMENT SEATED:

Chezray Rodney, Information Technology Manager

STANDING: Tanesha Henry, Information Technology Officer

Support Staff SEATED: L-R

Monica Foster, Office Attendant

Beverly Nembhar, Office Attendant STANDING: L-R Cebert Taylor, Company Driver Tamara Taylor-Fuller, Office Attendant Donovan Buchanan, Grounds Man

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PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

 golden jubilee magazine

| fun facts|

Credit Union

Fun Facts (ANSWERS AT THE BACK OF MAGAZINE)

1. Who was the First President of the Board of Directors at the Public Sector Employees Co-operative Credit Union Ltd? Ans:____________________________________ 2. Which month did the Credit Union first begin its operations?

Ans:___________________________________________ 3. In which year did the Credit Union celebrate its 25th anniversary?

Ans:___________________________________________ 4. In what year was the Credit Union’s membership bond extended to accept membership from spouses and children of members.

Ans:____________________________________________ 5. Name two founding members of the Credit Union _______________________________________________ 6. Who was the second president of the Board of Directors?

Ans:__________________________________________ 7. How many members did the Credit Union begin with?

Ans:_______________________________________ 8. Who was the first office manager of the Credit Union?

Ans:______________________________________ 9. Who was the first Treasurer of the Credit Union?

Ans:________________________________________ 10. In what year did Mr. Osmond Bromfield become Treasurer of the Credit Union?

Ans:___________________________________________ Our Jamaica, Your Credit Union • Celebrating 50 Years 1968-2018

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35

| regionS|

REGION 1 MONTEGO BAY

L-R Deandra Campbell, Temp Clerk | Tanya Dawkins, Office Attendant | Sheldon Francis, Branch Officer, Saneisha Thompson, Loans Clerk | Neloresa Palmer, Junior Clerk St. james 66 Claude Clarke Ave | Tel: (876) 971-2306, (876) 979-3046 | Fax: (876) 940-4720

REGION 2 ST. MARY

L-R: Kimoi Page Junior Clerk Shavelle Edwards Temp Clerk Shanique Adams-Calder Branch Officer Michelle James Office Attendant David Clarke Junior Clerk

St. Mary Shop 10 F, Pompano Shopping Complex Tower Isle, St. Mary | Tel: (876) 975-5754, (876) 975-5649 Fax: (876) 975-5024 36

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PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

 golden jubilee magazine

| regionS|

REGION 3 mandeville

L-R: Donna Thompson, Office Attendant | Nicole Coley, Junior Clerk | Rachelle Wellington, Loans Clerk Alicia Graham-Carter, Branch Officer mandeville 9 Ward Avenue, Mandeville | Tel: (876) 625-8583, (876) 962-7555 or (876) 625-4240 | Fax: (876) 625-8583

Our Jamaica, Your Credit Union • Celebrating 50 Years 1968-2018

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37

CALENDAR 50TH ANNIVERSARY CELEBRATIONS

OF EVENTS SUNDAY

Public-Sector Employees MONCredit Co-operative DAY2Union 0 Ltd 50th Anniversary1Church 8 Service” Celebrating 50 years of outstanding service”

MAY 18

13

20

MAY

14

Po r t m o re Em m a n u e l Apostolic Church - Portmore 11:00am

SUNDAY

20 MONDAY A 20 Y 1 8 MONM M TUESDAY DAY20 A Y 1 Public-Sector Employees 8 20 MA MAY Credit Union 18Y 18 Co-operative WEDNES AY LtdM 50th 2D 0 AY 1at8Anniversary Celebrations all branches.

1 3 3 15 14 1614 313 1414 15 16 16 9 15 1616 9 9 99

Y 20

18

SUNDAY DAY 2 20 MONDAY 0 20 18 MONDAY

AY 18MAY

MAY 1280MAY

TUESDAY

MAY

18

20

Outreach Activity (visit former ISCF and shut Wsick EDN ESDAY WEDNES SATURD in members) 20 DAY AY20

18

MAY 20JUNE 18

TU

ESDAY 2M 0 AY 120

8

18

18

ESDAY WEDNES WEDNChildren’s Home Visit DAY 20 20 by all branches 18 18 SATURDA Y

JUNE

20

18

SATURDA SATURDAY20 Y

JUNE

MAY

MAY MAY

SATURDA Y

JUNE

18

J0UNE 18 2 18

20

18

50th annual general meeting & awards ceremony at the Spanish Court Hotel.

Time: 6pm

Congratulations

to the Public Sector Employees Co-operative Credit Union Ltd On their 50th Anniversary!

50 Golden years of serving their members and contribution towards nation building.

The CUNA Caribbean Insurance Jamaica LTD. family celebrates with you!

LOAN PROTECTION FAMILY INDEMNITY PLAN

LIFE SAVINGS

CUNACaribbeanInsuranceJamaica A member of

TM

C U N A M U T U A L GROUP

Dress Code: Business Casual

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PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

ADVANCE PROTECTOR

FAMILY CRITICAL ILLNESS GOLDEN HARVEST

 golden jubilee magazine

| HIGHLIGHTS & MAJOR MILESTONES |

HIGHLIGHTS TIMELINE OF PSECCU AND MAJOR

MILESTONES

IN THE MAKING

NOVEMBER 1967 JANUARY 1968

The idea to start a Savings Union was born.

APRIL 1, 1968

An approach was made to Rev O.J. Thorbourne for assistance.

MAY 14, 1968

An application for registration was made to the Department of Co-operatives and Friendly Societies.

JULY 1968

The Credit Union’s inaugural Annual General Meeting was held and four Board of Directors was named.

OCTOBER 1986

The Credit Union recorded $1M in Assets, $1M in loans and surpassed $1M in Shares.

MAY 12, 1987

The Credit Union purchased premises at 9 Union Square .

JUNE 14, 1987

The Credit Union took occupancy of premises at 9 Union Square.

JULY 19, 1989

The Credit Union’s membership bond was extended Spouses and children of members.

MARCH 1993

The Credit Union disbursed its first loan of One Hundred Thousand Dollars ($100,000).

MAY 14, 1993

The Credit Union celebrated in Total Assets.

OCTOBER 27, 1995

The Credit Union held its first Members Appreciation Day. The Credit Union recorded $40M in Total Assets for that year.

JANUARY 20, 1996

The first fun day was held at Puerto Seco Beach in St. Ann. In that same year the CU surpassed $45M in Shares.

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PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

25 years of service and recorded $6M

 golden jubilee magazine

| HIGHLIGHTS & MAJOR MILESTONES|

30 years of service.

1998

The Credit Union celebrated

2003

The Credit Union celebrated years of service and recorded Total Asset of $316M. Shares portfolio stood at $244M.

2006

The Credit Union opened its first rural branch in Lucea, Hanover.

2008

The Credit Union opened its second rural branch in Mandeville Manchester. In that year the Loan portfolio grew to $512.2M. The years of service.

Credit Union celebrates

2009

The third rural branch was opened in Pompano Bay, St. Mary. In that same year Total Assets grew to $842M To date. 2009 has been the most profitable year for the Credit Union $45.2M was recorded as Net Surplus.

2010

The Credit Union began discussions to purchase adjoining building at 7 Union Square Cross Roads.

2011

The Credit Union surpassed $1B in Total Assets to record $1.1B and move into the Large category of Credit Unions. The Credit Union also hit the 5000 membership mark. New building renovations began on adjoining building 7 Union,m ki0 Square.

2012

On July 1, 2012 the Credit Union received a Chief Executive Officer (CEO) Mr. Osmond Bromfield.

2013

In January the Credit Union relocated its daily operations to 7Union Square. In that same year the Credit Union’s loan portfolio surpassed the $1B mark. The Credit Union donated $550,000 in GSAT grants and $1M to the ISCF Past Members Association. The Credit Union years of service. celebrates

35

40

45

As a result of the merger between the Jamaica Constabulary Force (JCF) and the Island Special Constabulary Force(ISCF) the Credit Union rebranded in the form of a Name change on July 18,2014 to the National Security Employees Co-operative Credit Union Ltd.

2014

The Credit Union’s tagline was also change to ‘where your financial security matters most’.

On July 26, 2014 a rebranding exercise was held at the St. Stephen’s United Church. Guest speaker was former Minister of Security Peter Bunting.

Our Jamaica, Your Credit Union • Celebrating 50 Years 1968-2018

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41

| HIGHLIGHTS & MAJOR MILESTONES |

The rebranding exercise was also used to launch the Credit Union’s Mobile branch.

2014

The Credit Union’s Asset also grew to $1.54B and membership hit the 7000-mark to record 7300 new members and $1.2B in loans.

The Credit Union also made a lifetime commitment to contribute $25,000 to Mr. Herbert Welch one of the pioneers of the Credit Union. (this amount was subsequently increased to $50,000)

2015

The Credit Union recorded $1.635B in Total Assets and hit the 8000-membership mark. The Leonie Smythe-Melhado Memorial Scholarship was introduced and each scholarship amount was increased to $200,000.

2016

The Credit Unions Total Asset stood at $1.899B. The Credit Union celebrates 48 years of service. The Credit Union reintroduced its Members Funday at Sugarman Beach Hellshire St. Catherine.

The Credit Union surpassed the $2B mark in Total Assets. The Credit Union rebranded in the form of a name change and bond extension to the Public Sector Employees Co-op Co-operative Credit Union Ltd. The Credit Union’s bond was extended to include; • all Government employees of Jamaica

2017

• past employees of the Public Sector who were members of the Credit Union when they resigned or retired.

• Employees of the Public Sector Employees Co-operative Credit Union Ltd. • Members of other Credit Unions who serve Public sector employees • Spouses and/or children of the “active” members mentioned above

2018

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The Credit Union celebrates

PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

50 years of service.

 golden jubilee magazine

| LIST OF AWARDS WON|

AWARDS WON LIST OF

BY THE CREDIT UNION OVER THE YEARS

YEAR

FROM

TO

FOR…

2000

Special Constabulary Island Special Constabulary force Force Co-op C.U.

Service award in recognition and appreciation for service rendered 1968-2000

2006

Jamaica Special CUNA Mutual Group/CUNA Constabulary Co-op Mutual Insurance Society C.U.

Highest percentage penetration (27.07%) fo r c re d i t u n i o n s with membership of 2000-9999 FIP

Island Special Constabulary Credit Union

Invaluable contribution to the Kingston Western Summer Camp.

Jamaica Special CUNA Mutual Group/CUNA Constabulary Co-op Mutual Insurance Society C.U.

2nd Runner-up Highest Production: Number of new accounts membership 50-4000 FIP

2009-2011

Island Special Area4 Police Community Safety Constabulary Force & Security Co-op C. U.

Outstanding contribution and invaluable support to projects of the Area4 Police Community Safety & Security.

2009

Jamaica Special CUNA Mutual Group/CUNA Constabulary Co-op Mutual Insurance Society C.U.

Highest production: Number of new account members of 0-8000 FIP.

2009

Central Finance Facility

Jamaica Special Constabulary Co-op C.U.

Utilization of credit facility-Volume

2010

Jamaica Special CUNA Mutual Group/CUNA Constabulary Co-op Mutual Insurance Society C.U.

Highest production: Number of new account members of 0-8000 FIP.

2006-2009 Jamaica Constabulary Force

2008

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PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

 golden jubilee magazine

| LIST OF AWARDS WON |

YEAR

FROM

TO

FOR… Utilization of Credit Facility: In recognition of your invaluable contribution to the growth & development of the Central Finance Facility.

2011

Jamaica Special Jamaica Co-operative Credit Constabulary Co-op Union League C.U.

2012

Jamaica Constabulary Force

2012

Highest production: CUNA Mutual Group/CMFG Life J a m a i c a S p e c i a l Number of new accounts Insurance Company Constabulary Co-op C.U. membership of 0-8000 FIP

2013

CUFMC

Jamaica S p e c i a l Loan Champion: Large size Constabulary Co-op C.U. Credit Union.

2014

CUFMC

National S e c u r i t y Investor of the year: Large Employees Co-op C. U. Credit Union.

2014

Excellence in reporting 3rd place: Production of CUNA Mutual Group/CMFG Life J a m a i c a S p e c i a l the best Credit Union Insurance Company Constabulary Co-op C.U. Annual Report booklet for Credit Union with Assets $1001M-$1999M.

2014

JCCUL

2015

2nd Runner-up Highest CUNA Mutual Group/CMFG Life N a t i o n a l S e c u r i t y Production: Number of Insurance Company Employees Co-op C. U. new accounts membership of 8001-29,999 FIP

2016

CUFMC

National S e c u r i t y Loan Champion: Category Employees Co-op C. U. – Large Credit Union

2017

Greenwich Town SDA Church

Recognition for your National S e c u r i t y Sterling and Tremendous Employees Co-op C. U. contribution over the years.

2017

Partnership and Support Caribbean Conference of Seventh N a t i o n a l Security in hosting our Annual Day Christians Employees Co-op C. U. Prayer Breakfast.

Special Constabulary Force Co-op C.U.

Contribution to Jamaica 50 Scholarship initiative.

National S e c u r i t y Highest Net Capital Employees Co-op C. U. Growth.

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| LONGEST SERVING FEATURE |

LONGEST

SERVING EMPLOYEES FEATURE

I

’m honoured to be an employee of the Public Sector Employees Co-operative Credit Union Ltd (PSECCU) for over eighteen years.

As one who has served in various capacities within the PSECCU since January 2000, the Tamara credit union’s Maxwell-Green JP., MBA., B.Sc 50th anniversary Deputy CEO brings back a myriad of memories. I began working as an accounting clerk and little did I know at the time that the experience and the people I would work alongside would ignite my passion for the credit union movement and Public Sector Employees Co-operative Credit Union as an organization of choice to work and do business with.

The PSECCU provides a safe work environment that fosters teamwork, personal development and career advancement which I am privileged to be part of and can personally attest to. I am thankful to Mrs. Daphne McCaulsky-Johnson, Ms. Brendalyn McFarlane and Our Chief Executive Officer, Mr. Osmond Bromfield for the training and molding me into the professional I am today.

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Mr. Osmond Bromfield ensures that staff is trained to the highest level of efficiency relevant to their job function to be able to give quality service and professional advice to our membership. He creates a balance, ensuring that the personal development of staff members is aligned with the vision, mission and goals of the Credit Union. While serving the PSECCU over the eighteen years, I’ve witnessed what this credit union means to the hard working police personnel and their families whose financial lives are better because of it.

With the expansion of our bond to the public sector, I will also get to be a part of the positive impact the PSECCU will also have on the lives of all public sector employees.

It is with immense pleasure that I take this opportunity to express my sincere appreciation and gratitude to the Chief Executive Officer, the Board of Directors, the Supervisory Committee, Credit Committee, Colleagues, Members of Staff and all our business partners for the privilege of allowing me to be included in this extraordinary journey. Special thanks to our valued members for your continued commitment and support as we steer forward. Happy 50th Anniversary Public Sector Employees Co-operative Credit Union Ltd!!

PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

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| LONGEST SERVING FEATURE|

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he Public Sector Employees Co-operative Credit Union has been my second family since I joined the company in July 2000. As my 18 years with PSECCU continues to flourish, I still very much feel part of an innovative, dynamic group as we continue to grow as a team. It truly is a gift to LISA HARRY Dip.Bus.Ad work with such wonderful colAdministration & Support leagues of so many different but Services Manager complementary backgrounds who truly respect one another and work together in continuing in our success.

Working at PSECCU is a great pleasure and indeed a privilege. I’ve learned so many things about the movement and I will always be thankful to the people who believed in me and gave me this opportunity to grow not only within the company but also as a person. I laughed, I cried, I faced challenges and I also experienced very beautiful moments that will

“To be successful, you have to have your heart in your business, and your business in your heart.”

— Thomas Watson, Sr., former CEO, IBM. Tracey-Ann Francis-Phillips Dip.Ed, MBA., B.Sc Credit Administration Manager

T

his is perhaps the very platform that our pioneers had envisioned as they built the solid foundation of this prestigious institution that we know today

stay with me forever.

My career started here with the position of an Accounts payables clerk. I was young and full of great expectations and today it is an honor for me to occupy the position of Administrative & Support Services Manager. What I love most about working here is that it supports work-life balance and I’ve always been encouraged by my colleagues to improve my knowledge and develop new skills. PSECCU is a company that offers an enjoyable and engaging working environment, wonderful employees as well as growth and development opportunities and a chance to learn how to think outside the box and find new ways to achieve the best results.

This is an exciting time to be working at PSECCU and I look forward to the opportunities and challenges that come with the expansion of the business.

as the Public Sector Employees Co-operative Credit Union Limited (PSECCU), formally National Security Employees Co-operative Credit Union Limited and prior the Jamaica Special Constabulary Co-operative Credit Union Limited. Today it stands firm in its traditions of rich history, culture, and esprit de corps which is second to none.

I am a proud and motivated employee of this noble organization and privileged to have witnessed and participated in more than twelve years of growth and transition which has led to an impressive 50-year milestone. This is a very momentous occasion and I pause briefly to say CONGRATULATIONS to my organization, the PSECCU, as “it’s very easy to be different

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| LONGEST SERVING FEATURE | but very difficult to be better”- Jonathan Ive, Chief Design Officer, Apple. Today the company remains a very strategically proactive, attractive, and innovative entity whose success has attained sustainable optimal results in increased profitability and membership growth and retention.

One of the key components which has led to the remarkable success of this organization is its employees. We have been nurtured and trained as ambassadors of our organization’s brand and I am very delighted to be a part of that process. We are engaged, and are recognized for our knowledge and skills, and are rewarded accordingly for outstanding performances. Like all processes there is a commencement and a conclusion, however, the organization understands that “happy

T

his important milestone of our 50th year gives us a chance to celebrate our founding, reflect on our success and revel in the sense of community we have all built over five decades. It’s hard Simonne Hunter B.Sc to believe I have already Accounts Manager shared 12 of the 50 years as an employee. My journey with the Credit Union began as a volunteer in 2006 as an extension of the Administration and Support Services Department of the now defunct Island Special Constabulary Force.

The culture of the Credit Union thrives to expand the horizon of each staff through training, job rotation and education. There are always opportunities for growth.

I have developed both personally and professionally having served in the positions of Accounts Clerk, Customer Service Representative, Accounting Officer and now Accounts Manager.

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employees lead to happy customers, which leads to more profit”- Vaughn Aust. This is the true essence of aligning our organization’s culture through empowerment, innovations, team building and collaborating to achieve our business strategies.

There are exciting times ahead for our organization and we are poised for even bigger and better things for the next 50 years as we continue to evolve as the force to be reckoned with. We continue to develop and offer new products and services to our fast-growing membership to meet their financial goals. I applaud the accomplishment of the PSECCU in recognizing a fantastic 50 years of excellence and service to all our stakeholders!

I love helping people and being an employee at PSECCU allows me to do just that. It gives me great pleasure and satisfaction when I assist members to solve their financial problems as well as provide advice that they can utilise in making wise decisions.

I enjoy the comradery I share with my fellow team members who are very supportive and always seeking for new ways to enhance our members’ experience.

I am also a big fan of our products and services, especially our Special Deposit, Partner Plan, Auto loan and Share Ratio loan which are offered at attractive and competitive interest rates.

At PSECCU, there is always room to learn and grow and challenge you to be the best version of yourself. I am delighted to be part of the PSECCU team celebrating 50 years of excellent service.

PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

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| LONGEST SERVING FEATURE|

F

ifty years is a major milestone for any organization. As we celebrate, it is not so much a festivity but, a solemn occasion to pause and look back on this 50-year journey and more importantly, to give thanks to Almighty God for taking us this far. I’m happy for the opportunity to Racquel Walters B.A express my sentiments on the Loans Officer achievement of this milestone.

I am sincerely proud to have contributed to the many accomplishments for the past thirteen years.

Throughout my tenure I have gained a second family consisting of the Credit Union staff, volunteers and members alike. Gratefully, I look back with admiration as I reflect on the existence of the Credit Union. I am profoundly impacted by the value and

high esteem in which the membership is held. It is for this reason the Credit union goes above the norm in addressing the ordinary and extra ordinary needs of members.

It was Muhamid Ali who said, “Service to others is the rent you pay for your room here on earth.” In my mind these words epitomize the 50 years existence Of the Public Sector Employees Co-operative Credit Union and will continue to be the foundation on which this family oriented organization thrives. It is my belief that the Credit Union has accomplished a lot over these past 50 years. It has empowered countless persons, professionally and academically in realizing their full potential. Delightedly, I look back with admiration and forward with anticipation.

Anticipating another fifty years of continued success, accomplishments and most of all exceptional service to the membership.

MEMBER HOW TO BECOME A

OF PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

Membership in the Credit Union is limited to:

1. All employees of the Government of Jamaica – Public-Sector Employees; 2. Past employees of the public sector who were members of the Credit Union when they resigned or retired; 3. Employees of the Public-Sector Employees Co-operative Credit Union Ltd; 4. Members of other credit unions who serve Public Sector employees; 5. Spouses and/or children of active members mentioned above

REQUIREMENTS TO BECOME A MEMBER • completed membership application • Valid identification (driver’s license, passport, national id) • Proof of address (utility bill/address verification letter) • One Thousand Dollars in Ordinary shares • Three Thousand Dollars in Permanent Shares • One Thousand Dollars Entrance Fee Our Jamaica, Your Credit Union • Celebrating 50 Years 1968-2018

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| Testimonials|

GREAT IT HAS BEEN A

EXPERIENCE

I

am honored as a past member of the Management Team to extend my heartiest congratulation on the 50th Anniversary Celebration of this noble institution.

It was a pleasure to have served from 1988 when I joined the staff as a clerk typist. Throughout the years I was promoted to Loans Offices, Manager and General Manager from 2004 to my retirement in 2012 after which I was contracted to head the Mandeville Branch for two years ending in 2017.

Pleasant memories extend in my mind to this day as

I

ndeed it is a deep feeling of satisfaction thankfullness and appreciation for me to be asked to pen some of my experience during my tenure at the Island Special Constabulary Co-operative Credit Union Limited. Afterwards known as the National Security Employees Co-operative Credit Union Limited and now the Public Sector Co-operative Credit Union Limited.

It was in July 1988 that my association started and reamined cemented through to September 2016 when I retired. My love, dedication and committement earned for me many promotions from the start as Customer Service, I ascended the Rung of the ladder to Loan 50

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I reflect on the co-operative, the CEO Mr. Osmond Bromfield and other Senior Managers and Staff whose hard work and dedication piloted us through harsh financial times to attain the status of the best Credit Union “a force to be reckoned with”.

My vision for the next 50 years is to see this institution reach its highest pinnacle.

DAPHNE MCCAULSKY-JOHNSON Former General Manager

Officer, Loan Manager, Operation Manager, Assistant Office Managaer and finally before my retirement I moved from the confines of the headquarters to assume the position as Branch Manager, Region 1, situated in Lucea, Hanover and Montego Bay St. James and serving the Western part of Jamaica.

For me, there were moments of sadness but with dedication, application and committment, gladness soon prevailed. There were moments of disappointment but success prevailed, there were moments of darkness but there was light at the end of the tunnel.

There were moments of hopelessness but with a sraff sticking to their task in act of oneness and togetherness. In retirement I can look back and say “I came, I saw and I succeed.“ As I reminisce, I feel real happy that I was attached to the department of the Island Special Constabulary Co-operative Credit Union Limited. I came upon good

PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

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|Testimonials | directors, Managers and staff who were versed in good human relations practice to cater to the needs fo members spiritually, morally and financially, more so I was given the latitude to show my born love for humanity and the Credit Union members in satisfying their needs, thereby bringing cheers and laughter as they leave the office well satisfied.

I take comfort in the fact that the Credit Union, its leadership and staff will continue to strive.

Changes are constant but there are solutions, look for strength not weakness, realizing that there are good leaders that can make great things happen.

Always remember that success in any joy is based on the ability to deal with people.

God bless you all.

BRENDALYN MCFARLANE Former Branch Manager

giving PSECCU TAKES PRIDE IN

back

Our Jamaica, Your Credit Union • Celebrating 50 Years 1968-2018

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| giving back|

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PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

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| LOCAL SERVICE GLOBAL GOOD |

locAL CREDIT UNIONS:

service GLOBAL GOOD

Kelly Ann Dixon MBA, BA Marketing and Communications Manager

T

he Public Sector Employees Co-operative Credit Union Ltd has over the years remained committed to improving the lives of its members and catering to their social needs. With so many financial institutions at your fingertips offering similar services, how do you choose the best financial option? Credit Unions offer a different way of banking, a more connected way that isn’t just about numbers but about people and their needs.

The Credit Union movement in Jamaica and around the world continues to be a force to be reckoned with by providing members with peace of mind, safety and financial security. Credit Unions provide its members with access to low interest loan products and high returns on their savings and deposits. Each Credit Union member has equal ownership and equal voting power irrespective of how much money one has in their accounts. At a Credit Union, every customer is both a member and an owner.

Credit Unions exists to help people, and their goal is to serve all their members well. Let’s look at a few reasons why considering a shift from a for-profit institution might be the best decision you can make for your money and your financial health.

1. People Helping People A point of pride for all Credit Unions is the ‘people helping people’ philosophy. Instead of distributing wealth to a few shareholders, resources are returned to member owners in the form of lower interest rates on loan products and competitive rates of return on your savings and investments.

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2. Making a Difference Philanthropy means a concern for human welfare and advancement and being community-minded. Here at the Public-Sector Employees Co-operative Credit Union there are several programs which are aimed at developing and touching our members lives such as; a) YEARLY GSAT GRANTS – Each year the Credit Union looks forward to awarding grants to children of its members who have been successful in their Grade Six Achievement Test (GSAT) Since the program’s inception over 10 years ago we have awarded over $8M with yearly grants ranging from $10,000 to $20,000 per child. b) TERTIARY SCHOLARSHIPS Every year the Credit Union offers four Scholarships which are valued at $200,000 each to members or children of members studying at the tertiary level. c) DISABILITY FUND This fund was created to assist current and former members with disabilities who is need of medical assistance.

3. Reduced or No Fees Through mobile banking and other online tools, credit unions are offering convenient and cutting-edge options for you to stay connected to your money. As increasing fees continue to affect many services at other financial institutions, Credit Unions continues to make their members top priority by offering low cost accounts.

While you have options when it comes to your finances, a not-for-profit institution that is member-focused should be your clear choice.

PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

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ACKNOWLEDGEMENTS The Board, Committees, Management and Staff of the Public Sector Employees Co-operative Credit Union extends a warm and heartfelt gratitude to all our valued members and their families, business associates, public and private entities, and general suppliers for

50 wonderful years of support.

We greatly value your trust and confidence and sincerely appreciate your loyalty to our business.

Credit Union

Fun Facts (ANSWERS) 1.

2.

3.

4.

5.

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Cleveland Messias May 1968 1993 1991 Name Auville Hutchinson Cleveland Messias Herbert Welch Leon Bailey Gosma Buddoo

PUBLIC SECTOR EMPLOYEES CO-OPERATIVE CREDIT UNION LTD

6. D’Sent Nicholas 7. 70 members 8. Lincoln Grant 9. E.C Murray 10. 1992

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