Annual Meeting

					                                      Vision:                                     mission:
                                      The model Credit Union and                  To satisfy members’ needs
                                      leading provider of financial and           through creativity and foresight
                                      other services in the Caribbean.            by providing competitive financial
                                                                                  and other products and services


                                                                                                                       www.rhand.org.tt
                                                                                                                       62-RHAND

                                                                                                                       See us on




Keeping                               you
                                                                         in the
                                                                                               Volume 1 | Issue 1 | June 2011




   63                                 rd Annual
                                      General                      Meeting
                                                                                                          The DitateteeEsv!ents 2011
                                                                                        Save
 Calypso Competition                        msDp
 RHAND’s 16th Annual Calypso                RHAND’s Membership Skills
                                                                                                               mm
                                                                                                      tion Co
 Competition - 16th Masters and             Development Programme (MSDP)

                                                                                             Educa
                                                                                                           ore Inside!
 3rd Youth - was held at the Credit         Module 1, commenced on Tuesday
 Union’s outer car park on Friday           May 31, 2011 and continues for a
                                                                                  Up  coming
 February 25, 2011.                         period of twelve weeks ending in
                                            August 2011.                                                 M
RHAND’s                                               16th Annual                                                Youth Competition Winner



   CALYPSo CoMPETITIoN
                                                                                                                 (from Tobago) – Garve’ Sandy
                                                                                                                 “T & T a better Place”




RHAND’s 16th Annual Calypso Competition - 16th Masters and 3rd Youth -
was held at the Credit Union’s outer car park on Friday February 25, 2011.
Mr. Martin Minguell (President) welcomed the gathering before handing over
to Mr. Ainsley “MC Credit” Andrews, RHAND’s Credit Manager.


Fourteen (14) persons took part in the                   followed by Tenisha Weekes with “Wash
Masters category, which was won by                       Dey Mouth”. The Youth competitors
Stanley Adams singing “Protected by the                  received rave reviews from all present for
Law”. Second place went to Terry Marcelle                the professionalism of their performances.
with “PNM’s Mistake Ignoring Calypso”,                      The audience also loudly applauded
and third place to Sheldon Bullen, singing               guest artistes: Mr. Roderick “Chucky”
“Then we will rise”.                                     Gordon (our former reigning monarch)
  In the Youth competition, only three                   and Mr. Carlos “Skatie” James, who had
(3) contestants, including one (1) from                  the audience alternately in stitches and in
                                                                                                                  Masters Competition Winner;
Tobago, took part. First place went to                   serious mode.                                            People’s Choice; Best Lyrics;
Garve Sandy with her presentation of                        Music was provided by Mr. Neville Brown               Most Original – Stanley Adams
                                                                                                                  “Protected by the Law”
“T&T a Better Place”. Second Place went                  and his music band.
to Ezekiel Yorke singing “We Legacy”,


MEMBERSHIP SKILLS DEVELoPMENT PRoGRAMME                                                                                             FINANCIAl
RHAND’s Membership Skills                                                                                                RHAND Credit Union has partnered with the
Development Programme (MSDP)                                                                                             Central Bank - National Financial Literacy
Module 1, commenced on Tuesday                                                                                           Programme (NFLP) - to spread the gospel
May 31, 2011 and continues for                                                                                           of financial prudence. The NFLP provides
a period of twelve weeks ending                                                                                          a range of financial counselling services to
in August 2011. The classes were                                                                                         organisations, communities and the nation
                                       Members of the Baking and Pastry Arts class listen to the tutor.
offered in response to members’                                                                                          at large.
requests and were very well                                                                                                 In partnering with the NFLP, RHAND
subscribed. In Port of Spain, the                                                                                        is ensuring that our members possess
following classes are being hosted:                                                                                      the financial wherewithal to weather the
• PVC meets Lumber                                                                                                       current and future economic challenges the
• Basic Electrical Wiring & Small                                                                                        country is experiencing. Our Membership
   Appliance Repairs                                                                                                     Skills Development Programme (MSDP)
• Fashion Essentials                                                                                                     Module` 1 registrants were the first to
                                     Ms. Shelly Ann Lovell-Williams (tutor) guides the class through a recipe.
• Beauty Therapy                                                                                                         benefit from this partnership. On Thursday
• Baking & Pastry Arts                                                                                                   May 26, 2011, Fifty-Two (52) members
• Tile Laying                                             So, if you missed Module 1, look out for                       were enriched by the expertise of Mrs.
• Dance                                               Module 2 which commences in September                              Ladi Franklin. Ms. Franklin is a Female
• Know Your Car & Tune Up                             2011 with new and exciting course options.                         Management Executive with twenty (20)
In Arima, the following courses are offered:          Check our website - www.rhand.org.tt or                            years experience in Finance, Marketing,
• Beauty Therapy                                      visit us on Facebook or call us at:                                Human Resources and General Management.
• Tile Laying                                         627-4263 ext. 216/233/238.
63                                rd     Annual
                                         General Meeting
        RHAND’s 63rd Annual General Meeting
        (AGM) was convened on March 19, 2011,
        at the UWI Sports & Physical Education
        Centre, St. Augustine, Trinidad and at the
                                                      631
                                                      &
                                                                    members registered
                                                                    in Trinidad
                                                        113 in Tobago
                                                                                                                                Members proudly submit their ballots for the election of a
                                                                                                                                new Board of Directors.




        Works Conference Centre, Scarborough,
        Tobago.                                       Union’s stability, “despite strong external                               Tobago members cast their votes with guidance from RHAND
                                                                                                                                Security Officer Desonpere and Credit Officer, Ermyn Clarke.
           The two venues were linked employing       shocks” and of the Board’s determination
        video conferencing technology, which,         to maintain RHAND’s status as the “Model
        except for one or two minor “hiccups”         Credit Union.”
        worked quite satisfactorily.                     The meeting moved briskly despite the
           Mr. Martin Minguell, President, in his     lively exchanges between some members
        address, assured members of the Credit        and the Head table.

          Mr. Martin Minguell             President         Mr. Kedron Duke                        director                     Bottle and Spoon winner (Trinidad) - Mr. Ainsley Andrews -
                                                                                                                                Manager, Credit Administration presents Ms. Shelley Charles with
          Mr. Trevor Percival             Vice- President   Mr. Trevor Boissiere                   director                     her prize while Mr. Martin Minguell - President, looks on.
          Mr. emmanuel Walker             secretary         Mr. Martin Gibbs                       director
          Ms. Marlene Felix               asst. secretary   Mrs. Monica Richards                   director
          Mrs. Theresa Agulia-Joseph      treasurer         Ms. Glenda Bruce                       director
          Mr. earl Nesbitt                director          Mr. Neil Parsanlal                     1st substitute
          Mrs. Christine Campbell         director          Mr. John Self                          2nd substitute
                                                                                                                              Bottle and Spoon winners (Tobago) - Front Row (left to right):

  lITeRACY
                                                                                                                              Nickesha Kelshall, Lorna Richardson, Carolyn Biggart-Balfour and
                                                                                                                              Barbara Lewis
                                                                                                                              Back Row (left to right): Mr. Ainsley Andrews - Manager, Credit
                                                                                                                              Administration and Mr. James Baptiste - Manager,
                                                                                                                              Tobago branch office.




                                                                                          Save The Dates!
                                                                                       Upcoming Edu
                                                                                                                  cation Commit
                                                                                                                                             tee Events 201
                                                                    June 9                                                                                               1
                                                                                                             3rd Qtr
                                                                RHAND Orientation
                                                                                                         RHAND Orientation
                                                                                                                                                       June 27                June 29
Above: MSDP registrants listen                                  to New Members                                                                    Orientation to
attentively to the presenter,                                   *1 day event                            to New Members 2nd                                              Orientation to
                                                                                                        Iteration                                 Secondary School      Secondary School
Mrs. Ladi Franklin
                                                                                                                                                  TOBAGO
                                                                   TBA
                                                                                                        *1 day event
                                                                                                                                                                        TRINIDAD
                                                                                        July 9              TBA                                   *1 day event
Right: Mrs. Ladi Franklin explains the
                                                                                                                                TBA                  TBA
                                                                                                                                                                        *1 day event
fundamentals of financial literacy to                           SEA Awards
the members.                                                    Ceremony            RHAND On D’ ROAD RHAND On
                                                                                                                  D’ ROAD RHAND
                                                                *1 day event
                                                                                    1st Iteration    2nd Iteration                          MSDP
                                                                                                                          Entrepreneurship
                                                                                    *1 day event     *1 day event         Development (RED) Second Module
    Members were very appreciative of this                       TBA                  TBA
                                                                                                                             June/July
 forum and deemed it to be a very valuable                   MSDP
                                                             Achievement Day    Youth Essay Writing                                                  August               July/August
 complement to the skills they would acquire                 *1 day event       Competition                                Recognition of        Formal Launch of
                                                                                                                           RHAND Youth                                 Vacation Camp
 over the next twelve (12) weeks of the                                                                                                         the RHAND
                                                                October               TBA                                                       Youth Arm
                                                                                                                                                                      *2 weeks
 MSDP. Based on this feedback, we know                                                                   TBA                 October
                                                            Youth Outreach                                                                         TBA                   December
 that we made a wise choice by adding this                                     Ministry Outreach      Health/Financial
                                                            Activities                                                    Credit Union
 Financial Planning segment.                                                                          Literacy Seminars                          Rooftop Lime        Children’s
                                                                                                                          Month Activities                           Christmas Party
 Look out for MSDP Module 2 in September!                   TBA- To Be Annou
                                                                               nced
                                                                                                                          *1 day event                               *1 day event
                                                             Members
                                                                   !
                                                               Speak                                                   INVEST in a
      “RHAND is my helper, a very good Credit Union in times of need.
      You can always count on RHAND. The courses (MSDP) are very
      good. Keep up the good work.” - Joan Cambridge, member for 15 years

      “Great institution, I am always happy to participate in the many                                                  Today
      programmes offered. It builds and enhances the skills of its
                                                                                                     Do not let your hard-earned money slip right through your hands.
      members. An organisation committed to continuous training and
                                                                                                     Earn a superior rate of return for the future, thereby compensating
      development. Excellent service.” -                                                             for opportunities foregone in the past.
      Gloria edwards-Joseph, member for 20 years.                                                    The annual rates of interest applicable for twelve(12) month
                                                                                                     RHANDeposits are as follows:-

      “RHAND is a very good Credit Union in time of need.” -
                                                                                                                     INTEREST PAYMENT FREQUENCY
      Sherry Ann Duke, member for 15 years.
                                                                                 Principal Sum Invested        Monthly           Quarterly           Semi-           Annually
                                                                                                                                                     Annually
      “Great idea to extend the Membership Skills Development
                                                                                 $ 1,000.00 - $24,999.99          0.12%              0.37%               0.75%        1.50%
      Programme (MSDP) to non-members. I think that the cost for these
                                                                                 $25,000.00 - $49,999.99          0.14%              0.43%               0.87%        1.75%
      courses is very reasonable.” -                                             $50,000.00 - $99,999.99          0.17%              0.50%               1.00%        2.00%
      Rosabelle Gellineau, member for 2 years.
                                                                                 $100,000.00 and over             0.19%              0.56%               1.12%        2.25%

      “RHAND Credit Union has always been there for me in times of
      need. I have never once been let down and I’m very pleased that
      they are giving these courses to their members.” -
                                                                                                             RHAND Credit Union
      elizabeth Walker, member for 5 years.
                                                                                                             Co-operative Society Limited
                                                                                                             57-61 Abercromby Street, Port of Spain Email :
      “I have participated in about twenty (20) MSDP classes and I                                           feedback@rhand.org.tt       Website: www.rhand.org.tt
      enjoyed them to the fullest and I am able to utilize my skills and
      make extra money.” - June laing-Williams, member for 30 years.
                                                                              Call 62-RHAND(4263) ext 233, Branch Offices (Arima) 664-1181, (Tobago) 635-0127
      “It is very rewarding to be a member in a Credit Union that seeks



                                                                               Rights
      the interest and continuous development of its members.” -
      Michele Seifert-Thompson, members for 15 years.


      “I think that the Credit Union should offer more courses to develop
      other skills e.g. computer courses, probably every month.” -
      lauren Newton, member for 1 year, 8 months.                             of Members
      “I appreciate the opportunity to learn new and interesting things.” -
      Stephanie Power, member for 29 years.

                                                                                 To             1. be informed on all matters pertaining
                                                                                                to the Society.
                                                                                                2. be heard on all points by those
                                                                                        who are going to vote on the points under
New Member Orientation




                                                                                        discussion.
                                                                                  3.    attend general meetings.
                                                                                  4.    vote at general meetings on all matters to be
                                                                                        determined.
                                                                                  5.    nominate members to the various Committees
                                                                                        or Board of the Society.
                                                                                  6.    be nominated to the various Committees or
                                                                                        Board of the Society.
                                                                                  7.    be elected to the Committees or Board of
                                                                                        the Society.
                         Above: Mr. Trevor Percival speaks
                         on the history of RHAND and what                         8.    apply for the services of the Society.
                         it means to be a member of a                             9.    transfer his/her shares.
                         Credit Union.
                                                                                  10.   be given a share in the surplus for
                         Right: Ms. Florence Rajoo,                                     distribution to the membership.
                         Research Officer presents this
                         lucky member with her prize                              11.   withdraw or resign.
                                                                                  12.   examine the books of the Society.

				
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