Annual Report 2012

Securing Tomorrow

Your Rights and Responsibilities At Your Annual General Meeting

You are important, You are one of the owners of the Credit Union, which exists to be of service to you.

You have the right to know about the Credit Union. Your questions and suggestions are therefore important and always welcomed.

Your vote is important. It helps to select the Officers who must take responsibility for ensuring the successful Performance of the Credit Union.

Be aware of your responsibility to select members who are committed and willing to volunteer their services to the membership.

Remember: With leadership comes responsibility. You cannot separate a leader from his/her character. Skills without character will fail.

The Credit Union Prayer Lord, make me an instrument of thy peace Where there is hatred, let me sow love Where there is injury, pardon Where there is doubt, faith Where there is despair, hope Where there is darkness, light And where there is sadness, joy O Divine Master Grant that I may not so much seek To be consoled as to console To be understood as to understand To be loved as to love For it is in giving that we receive It is in pardoning that we are pardoned And it is in dying That we are born to eternal life

Mission Statement To be the Primary Source of Financial Guidance and Services to Members

Notice of Meeting Notice is hereby given that the 33rdAnnual General Meeting of Hand Arnold Credit Union Cooperative Society Limited will be held on Saturday 6th April 2013 at the El Socorro South Government Primary School, El Socorro Road Extension, San Juan at 2:00 p.m. for the following purposes. 1. To receive and confirm Minutes of the 32ndAnnual General Meeting. 2. To receive and adopt the reports of Directors, Committees and Annual Statements of Accounts and Auditor's Report for the year ended 31st December 2012. 3. To declare a dividend. 4. To elect officers for the new term 2012/2013. 5. To appoint Auditors for the ensuing year. 6. To receive and adopt recommendations. 7. To transact any other business that may properly come before the house.

Agenda a. b. c. d. e. f. g. h. i. j. k. l. m. n. o.

Invocation and Credit Union Prayer First Credential Committee Report Notice of Meeting Welcome Address - President Guest Speaker Adoption of the Standing Orders Confirmation of the Minutes of the 32ndAnnual General Meeting Reports: Board of Directors and Committees Presentation of Auditors Report and Financial Statements for 2012 Second Credential Committee Report Election of Officers Resolutions Greetings General Business Closure

By order of the Board

---------------------------------------Kevin A. Branche Secretary

Standing Orders 1. (a)A member shall stand when addressing the Chair. (b)Speeches shall be clear and relevant to the subject before the meeting. 2. A member shall only address the meeting when called upon by the Chairman to do so, after which he/she shall immediately take his/her seat. 3. No member shall address the meeting except through the Chairman. 4. A member may not speak twice on the same subject except: (a) The mover of a motion, who has the right to reply (b) He/She rises to object or to explain (with the permission of the Chair). 5. No speeches shall be made after the “question” has been put and negated. 6. The mover of a ‘procedural motion’ – (adjournment, lay on the table, motion to postpone) shall have no right to reply. 7. A member rising on a point of order shall state the point clearly and concisely. (A Point of Order must have relevance to the Standing Order). 8. A member shall not “call” another member “to order” – but may draw the attention of the Chair to a “breach of order”. In no event shall a member “call” the Chair “to order”. 9. A “question” shall not be put to the vote if a member desires to speak on it or move an amendment to it – except, that a “procedural motion”: the previous “question” proceed to the next business or the closure: “that the question be not put”, may be moved at any time. 10. Only one amendment shall be before the meeting at one and the same time. 11. When a motion is withdrawn, any amendment to it falls. 12. The Chairman shall have the right to a “casting vote”. 13. If there is equality of voting on an amendment, and if the Chairman does not exercise his casting vote, the amendment is lost. 14. Provision shall be made for protection of the Chairman from vilification (personal abuse). 15. No member shall impute improper motives against another member.

President’s Message Distinguished guests, fellow members, ladies and gentlemen, it is my pleasure to welcome you to the 33rd Annual General Meeting of Hand Arnold Credit Union Cooperative Society Limited. We look forward to your participation and support in today’s proceedings. The history of Hand Arnold Credit Union dates back to October 1974 when it accepted its first group of ten members. Today the active membership stands at 467, with assets of almost 17 million dollars. The package of benefits has improved from the first loan of a modest $150 to loans for the purchase of large motor vehicles, tertiary education bursaries of $2,000 and the full time service of one dedicated staff member. We also recently moved into our new offices at the Chootoo Commercial Complex and are thankful to the host Group Company, Agostini’s Limited, for its generosity and support. Our members can now have a more gratifying experience during visits. The year 2012 was another challenging period for HALCU as it was for the wider domestic and international community. The pressures on the financial system continued and traditional investments yielded low returns. Some newer investment instruments brought in additional income. Eventually, we finished the year slightly ahead of the previous period’s results. We received the first half of the CLICO investment repayment thus creating some excess liquidity that is engaging the Board’s attention. While this may seem to be an opportunity for additional investing, we have to be cognizant of the provisions in the new Credit Unions Bill which has stringent controls on investments and investment instruments. Our best bet would be to

increase the loan portfolio and sharpen our focus on member services. Should the Draft Credit Unions Bill, in its current form, become law, there will be many challenges for HALCU and the Credit Union Movement. One such challenge would be the proposal that individual Board members may serve a maximum of two consecutive terms, with each term not exceeding three years, with eligibility for reelection after a one-year waiting period. Where a credit union is not in compliance, it will have 18 months to comply. At this time, two thirds of the Board of HALCU has served more than two consecutive terms. Hence, there could be a serious issue of succession. The Credit Union Movement has submitted its comments on the Draft Bill and currently awaits a response from the Central Bank. The Financial Intelligence Unit requires the appointment of a Compliance Officer who cannot be a member of the Board. To date we have not been successful in securing a volunteer for this position. However, we need to address this urgently as the training of that individual and the preparation of a Compliance Program are mandatory. The predictions from various quarters indicate that 2013 will be another challenging year for the financial world. One has to evaluate the current scenario, focus on what matters most and then steer the course. At HALCU, we are clear that “Members Matter Most”. Therefore, we will continue to strengthen the Credit Union and seek to satisfy our members’ needs. We prefer to be optimistic and are enthusiastic about the potential for growth. In line with changing trends, we have

ventured into the social media with the creation of our Facebook page “Hand Arnold Credit Union”. The project is in its developmental stage and I invite you to visit, “like, comment, share” and send us any information that you think might be of interest to fellow members. The success of this initiative is totally dependent on member participation. It is said that success comes from developing a strong team with diverse ideas, perspectives and experiences. The key to this is teamwork. We are not yet where we want to be but we are getting there. Over the past year, HALCU worked diligently to improve the internal systems to provide a greater level of service to our members. For this I thank my colleagues on the Board and the members of the other committees. They have given selfless service and co-operation.

Sincerely,

________________________ Parmeshwar D. Bajnath Singh President

I also thank you, the membership for your continued loyalty and patronage to HALCU. The degree of success realized is directly proportionate to the degree of commitment of the membership. We control our destiny. HALCU is an evolving institution. Volunteerism is still the necessary lifeblood of the society. Your Credit Union depends on you, the membership, to be more involved in its affairs. Therefore, it is our hope that more members will offer their commitment to actively serve on the various committees. You determine the degree of our success. It has been an honour and privilege to serve you. Thank you and may Almighty God continue to bless this society, its members and their families.

Minutes of the 32ndAnnual General Meeting Held on Saturday 5th May 2012 at the El Socorro South Government Primary School, El Socorro Road Extension, San Juan. 1. Introduction The Vice-President, Mr. Paul Worswick, called the meeting to order at 1.30 p.m. and led in the reciting of the Credit Union Prayer. He then welcomed all members together with the representatives of the Cooperative Development Division from the Ministry of Labour Small and Micro Enterprises, Mr. David Greaves and Ms. Tisha Wong. st

2. 1 Credential Report At 1:30 p.m. 31 members, 8 directors and 3 guests were in attendance. 3. Notice of Meeting and adoption of the Standing Orders Mr. Kevin Branche read the Notice to convene the Meeting.

5. Confirmation of the Minutes of the 31st Annual General Meeting Mr. Kevin Branche read through the minutes of the 31st Annual General Meeting with the membership following. Mrs. Maureen Pereira proposed and Mrs. Jenny Maharaj seconded that the Minutes of the 31st Annual General Meeting be accepted, this was done by all the members present. 6. Report of the Board of Directors Mrs. Elizabeth Laurence delivered the Board of Directors report which detailed the economic highlights of 2011and the challenges faced and overcome during the year by the management team. The Report was proposed by Mr. Clarence Geary, seconded by Mr. Curtis Charles and unanimously accepted. 7. Report of the Supervisory Committee

Mr. Paul Toolsie then read the Standing Orders and on a motion moved by Mrs. Anganie Dhanraj and seconded by Mr. Deo Ramsingh, the Standing Orders were adopted.

Mr. Paul Worswick read the Supervisory Committee Report, which touched on both the internal and external factors which had a significant impact on the credit union’s operations during the 2011 period.

4. President’s Message

Mr. Anil Dabideen proposed that the report be adopted; this was seconded by Mr. Lennox David and unanimously accepted.

Mr. Paul Worswick read the President’s Message, which was submitted by the President, Mr. Bajnath Singh, who was unable to attend the Annual General Meeting because of a prior obligation overseas.

8. Report of the Credit Committee Mr. Deo Ramsingh highlighted the contracted economy and the noted reduction of loans taken by members in 2011. 261 loans were granted totalling approximately $3,541,333 with the larger sums requested for vehicle purchase, home repairs and vehicle expenses.

The report was proposed for acceptance by Mrs. Anganie Dhanraj, seconded by Mr. Anil Dabideen, and accepted by the general Membership. 9. Auditors Report Mr. Pooran Rampersad read the Auditors Report for 2011. This was accepted on a motion moved by Mr. Mervyn Samuel and seconded by Mrs. Maria Rampaul.

13. Election of Officers The Election of Officers was conducted by Mr. David Greaves and Ms. Tisha Wong, representatives of the Co-operative Development Division from the Ministry of Labour Small and Micro Enterprises. The candidates contesting the various positions were presented to the meeting by the Nomination Committee.

10. Financial Statements Mr. Keith Matthews presented the Financial Statements on behalf of the Board. During this time, members posed many questions and were provided with responses which resolved the matters brought forward. The Financial Statements for the year ended December 31st, 2011 were adopted on a motion by Mrs. Janelle Khan and seconded by Mr. Deo Ramsingh, and unanimously accepted by all present.

The results were as follows:

Board of Directors Elizabeth Laurence

39

Michael Sookram

34

Paul Toolsie

30

Anganie Dhanraj

11 – 1st Alternate 9 – 2nd Alternate

11. 2012 Budget Proposals

Mervyn Samuel

Mr. Ralph George presented the budget for 2012. The Budget was approved on a motion by Mr. Curtis Charles and seconded by Mr. Deo Ramsingh.

Supervisory Committee

12. 2ndCredential Report

Anil Dabideen

30

At 2:30 p.m. 40 members, 8 directors and 3 guests were in attendance.

Janelle Khan

26

Anastasia Perouza-Sandy

24

Curtis Charles

20 – 1st Alternate

Sean De Freitas

19 – 2nd Alternate

Credit Committee Maria Rampaul

42

Deo Ramsingh

38

Lera Manmohan

36

Lawrence Salandy

32

Mervyn Samuel

28

Stacy Ann Jones

18 – 1st Alternate

Anand Sahadeo

9 – 2nd Alternate

existing members as at 31st December 2011 and that the dividend due to members whose accounts have become delinquent be credited to their outstanding loan/interest balances.

This was seconded by Mr. Deo Ramsingh and unanimously accepted.

Appointment of Auditors The firm of D. Montgomery & Co. be retained as Auditors for the year 2012.

Resolutions

This was seconded by Mr. Michael Walcott and unanimously accepted.

Dividend The resolutions of the Board, read by Mr. Lawrence Salandy, proposed that a dividend of 5% on the monthly weighted average shareholding during 2011be approved for Respectfully Submitted

_______________________ Kevin A. Branche Secretary

Other Business There being no other business the Vice President adjourned the meeting at 3:25pm.

Board of Directors Report Our 2012 theme “Being Resilient” really brought out the true meaning of the phrase in our organisation. While we experienced marginal growth in some areas of our operations our energies was consumed by developing strategies to maintain our relevance to a large majority of our members due to their migration from the host company, and to attract new members as a result of the opportunities opened up to as from being part of a larger group of companies. We continued the focus on transforming our operations in the face of the many challenges we encountered, Against this backdrop the successes of Hand Arnold Credit Union in 2012, can be attributed to the ongoing efforts by some members of the management to respond to the numerous competitive products and services being offered by the many players in the financial services sector, the changing needs of our members and the initiatives to place our Institution as the Primary Source of Financial Guidance and Services to Members. Governance The following members were elected to the Board of Directors at the 32nd Annual General Meeting on Saturday 5th May, 2012 . Mrs. Elizabeth Laurence. . Mr. Michael Sookram . Mr. Paul Toolsie. . Mrs. AnganieDhanraj - 1st Alternate . Mr. Mervyn Samuel - 2nd Alternate The first meeting for the 2012 – 2013 term was held immediately following the A.G.M. On May 5th2012. The officers elected and other directors were: Mr. ParmeshwarBajnath Singh Mr. Paul Worswick Mr. Kevin Branche Mr. Ralph George Mr. Keith Matthews Mr. Michael Sookram Mrs. Elizabeth Laurence Mr. Paul Toolsie Mr. PooranRampersad Mrs. AnganieDhanraj Mr. Mervyn Samuel

-

President Vice President Secretary Asst.Secretary Treasurer Director Director Director Director 1st Alternate 2nd Alternate

The following directors are demitting office at this A.G.M. and are eligible for re-election: Mr. Paul Worswick Mr. Kevin Branche Mr. Ralph George

Administration The Management, in an effort to service the needs of our members, sought to strengthen the office operation. Mrs. Lera Manmohan recently replaced Mrs. Maria Rampaul as the Administrative Assistant; however, this is on a full time basis, all in an effort to improve the delivery of services to members. We are pleased to announce to this Annual General Meeting that the Credit Union within the last three weeks hasmoved into a more spacious environment from where we hope to better serve our members We are very grateful to the Management of the Agostini Group of companies and the Chief Executive Officer of Hand Arnold Trinidad Limited for this opportunity. Membership In an effort to meet the guideline established by some of the regulators for the Credit Union Sector, we developed and implemented a new Membership Application Form. The services of Mrs. Elizabeth Laurence were engaged on a temporary basis to update the data from existing members while ensuring that new members supplied the required information. During the year 2012, 48 applicants were admitted to membership; while a total of 18 members including one (1) who passed away, ceased membership. The Management extends condolence to the family of Mr. Bjorn Mahabir. As at December 31st, 2012 the total active membership complement of Hand Arnold Credit Union Co-operative Society Limited stood at 461 while 29 remain inactive.

Financial Highlights 1. Assets Assets increased by $679,443 or 4.2% to $16,845,792 as at December 31st 2012 compared to the corresponding period in 2011. 2. Shares Members bought shares to the value of $1,438,313 during the year, however, we recorded a net share increase of $308,248 or 2.3% over the share balance for 2011. This is due to the fact the sum of $820,698 was refunded to members who chose to withdraw from the Organisation. This was further exacerbated through the transfer of shares to loans in the sum of $725,626 for the year, due to the continued withdrawal by members departingthe employ of our host company. The management has implemented varying strategies to combat this trend. 3. Loans The Management amended the Credit Policy with the expressed view of growing the Loan portfolio. We know that the dissemination of the information about the changes have not yet gained the expected pace however the new Credit Policy was placed on the “Developing Website”, www.halcu.org. The net loans on the books of the Credit Union as at December 31st 2012 stood at $8,457.058 this represents 51.43% of total assets. As stated at the last A.G.M. efforts are on the way to increase this percentage closer to the PEARLS recommendation. 4. Delinquency HALCU’s efforts to pursue delinquency met with limited success during 2012, this effort has so far intensified during 2013. The formulation of a delinquency policy is

presently engaging the attention of the management and it is hoped that a delinquency control/recoveries committee would be instituted during this term. 5. Revenue & Expenditure We generated revenue in the sum of $1,039.751 this represents an increase of 5.8% over the 2011 figure. However, our expenditure grew by $62,035 or 31.84% for the corresponding period. The increase in Audit fee, Provision for Bad Debt and Office and General Expenses accounted for this increase. 6. Investments The board, in an effort to strengthen this area of our operation, appointed an Investment committee with emphasis in growing and managing the Portfolio. Because of the low Credit Request, we

Respectfully Submitted ................................... Keith Matthews Treasurer

engaged in other investments in an effort to reduce the non earning assets. The Portfolio grew by $1,288.703 representing an increase of 30.45%, detail of this can be seen on page 9 of the financial statement. Further to the position stated last year on the CLICO investment, we received $1,000,000 from the Government during the year. This accounts for 50% of the initial investment with the other 50% due this year. 7. Conclusion We are not in a position to claim that 2012 was as successful as we had hoped, but look to 2013 knowing that interest in the affairs of the Credit Union will only improve as we pursue new products and services all towards fulfilling the mission of improving the quality of life of our members.

Supervisory Committee Report Supervisory Committee Members Mr. Anil Dabideen Mrs. Anastasia Perouza-Sandy Mrs. Janelle Khan Mr. Curtis Charles Mr. Sean De Freitas

-

Chairman Secretary Member 1st Alternate 2nd Alternate

For the period 2012-2013 the Supervisory Committee of the Hand Arnold Credit Union CoOperative Society Limited has been challenged with some issues with regards to the resignations of two of our members from Hand Arnold Trinidad Limited.As a result of this, the committee was unable to meet as often as would have wanted. However, we met to review the loan applications of its members on a regular basis and got the necessary amendments made. There were a few exceptions while reviewing loan applications but generally they were found to be in accordance with loan policy guidance. Members of the Supervisory Committee sat in on board meetings from time to time to keep abreast of the direction in which our Credit Union is heading and also to make any suggestions and contributions where necessary. As far as our members are concerned, we would like them to be sensitized to the rules and the policies governing credit unions nationwide and to know that credit unions are a legal financial institution and all documents and proceedings must be clear and precise and in good standing where the Central Bank is concerned. In moving forward as a financial institution with great potential for upward mobility we urge all members to work with us in all our future endeavours to strengthen our institution as to ensure that we remain strong and to be able to serve our members in all their future financial endeavours. The members of the Supervisory Committee will be looking forward to serving you always.

---------------------------------------Supervisory Committee

Credit Committee Report Credit Committee Members Mr. Deo Ramsingh Mrs. Lera Manmohan Mrs. Maria Rampaul Mr. Lawrence Salandy Mr. Mervyn Samuel Ms. Stacy Ann Jones Mr. Anand Sahadeo

-

Chairman Secretary Member Member Member 1st Alternate 2nd Alternate

During the year under review, thirty nine (39) members requested a transfer of shares towards outstanding loans. This amounted to Seven Hundred and Twenty-Five Thousand, Six Hundred and Twenty-Five Dollars and Fifty-Four Cents, ($725,625.54). Additionally, Share Refunds were made to sixty two (62) members to a value of Seven Hundred and Thirty-Eight Thousand, Four Hundred and Sixty Four Dollars and Ninety-Two Cents ($738,464.92). Loan applications were received from over Two Hundred and Fifty persons with Two Hundred and thirty-eight meeting the requirements as requested in our Loan Policy, to a value of Three Million, Nine Hundred and Ninety-Five Thousand, Fifty Dollars and Thirty-Two Cents. Our Loans to date are held by Two Hundred and Forty Two Members valued at Eight Million, Six Hundred and Thirty Thousand, Five Hundred and Fifty-Eight Hundred and Thirty-Four cents.

CATEGORY Ceremonial Expenses Christmas Shopping Debt Consolidation Educational Expense Furniture and Appliances Home Expenses and Repairs Investments Purchase of Land Medical Expenses Personal Expenses Vacation Expenses Vehicle Expenses Purchase of Vehicles Legal & Related Fees Total

No of Loans

5 6 24 23 21 47 4 1 20 3 11 56 16 1

2012 33,000.00 24,200.00 310,893.75 273,125.67 150,400.00 1085,700.00 62,000.00 140,000.00 127,500.00 18,500.00 118,191.00 478,147.50 1170,392.40 3,000.00

3 5 19 20 32 64 5 2 27 4 6 47 23 4

2011 22,500.00 30,000.00 179,528.50 102,707.90 195,097.00 787,300.00 198,000.00 111,000.00 139,000.00 7,500.00 108,500.00 287,700.00 1361,000.00 11,500.00

238

3995,050.32

261

3541,333.40

No of Loans

Conclusion We acknowledge the contributions of all Committees and the General Membership who have contributed to the continued success of our Credit Union and remind members that the Credit Union is their most valuable financial institution and should always be considered First in all their financial transactions. Respectful submitted ____________________________

Deo A. Ramsingh Credit Committee

2013 Budget 2013

2012

2012

INCOME

BUDGET

ACTUAL

BUDGET

ACTUAL

BUDGET

Interest on Loans

1000,000.00

882,347.74

925,000.00

849,005.00

990,000.00

Interest on Fixed Deposits

-

-

-

-

-

Interest from HAL Interest on Other Investments

-

9,085.80

50,000.00

101,058.00

90,000.00

150,000.00

75,580.30

80,000.00

-

40,000.00

300.00

387.72

500.00

383.00

500.00

70,000.00

12,429.05

12,000.00

11,603.00

10,000.00

300.00

190.00

500.00

100.00

200.00

7,500.00

4,115.82

4,500.00

3,706.00

4,000.00

-

11,171.40

-

-

-

60,000.00

44,442.68

75,000.00

16,499.00

20,000.00

-

-

-

-

-

1288,100.00

1039,750.51

1147,500.00

982,354.00

1154,700.00

12,000.00

12,000.00

12,000.00

12,000.00

12,000.00

9,000.00

8,274.00

7,000.00

6,670.00

6,000.00

Audit Fees

33,000.00

42,467.50

22,500.00

24,550.00

22,000.00

Bad Debt Expenses

50,000.00

25,000.00

-

-

-

700.00

550.00

500.00

287.00

800.00

Meeting Expenses

15,000.00

4,522.28

15,000.00

4,357.00

5,000.00

CUNA Insurance

115,000.00

95,301.00

110,000.00

105,313.00

112,000.00

2,000.00

1,219.98

1,500.00

994.00

243.00

10,000.00

8,382.55

12,000.00

5,839.00

12,000.00

Bank Interest Dividend Income Entrance Fees Miscellaneous/Commission Bad Debt Recovery Unit Trust Interest Capital Gain

TOTAL INCOME

2011

2011

EXPENSES

Accounting Expenses AGM Expenses

Bank Charges / Interest

Depreciation Donations

League Stabilisation Fund

1,000.00

280.00

6,000.00

5,349.00

8,000.00

Office & General Expenses

15,000.00

51,975.74

40,000.00

23,349.00

30,000.00

Personnel Cost

56,000.00 5,000.00

2,198.20

6,000.00

1,027.00

2,500.00

Subscription Account

11,000.00

5,856.60

8,000.00

5,381.00

8,000.00

TOTAL EXPENSES

334,700.00

258,027.85

240,500.00

195,115.00

218,543.00

NET SURPLUS

953,400.00

781,722.66

907,000.00

787,238.00

936,157.00

Stationery

Resolutions 1. Dividend Be it resolved that in accordance with Bye Law 11 (i) (a), a dividend of 5% on the monthly weighted average shareholding during 2012 be approved for existing members as at 31st December 2012, and be it also resolved that the dividend due to members whose accounts have become delinquent be credited to their outstanding loan/interest balances.

2. Appointment of Auditors Be it resolved that the firm of D. Montgomery & Co. be retained as Auditors for the year 2013.

Annual Report 2012 - Hand Arnold Credit Union

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