Spice Newsletter-May 2020

MAGAZINE
NO.1/MAY2020

SPICE
RACK
1 TheGeneralManger’sMessage
2 UpdatedInformationRequest
3 FeaturedProduct(WaterTankLoan)
4 ServiceExcelencewithaDiference
5 2019PEPScholarship&BursaryW inners
7 FeaturedProduct(GoldenHarvest
SavingsPlan)
9
Highlightsfrom theVolunteers
RecognitionLuncheon
10 StafFeature
1 TimeForGiving

The
General
Manager’s
Message
ManagingourlivesinthistimeofCovid19
Wearealforcedtohelpourfamiliestomanagingour
resourcesduringthisworld-widepandemic.Isubmitthat
goodadvicecanoftenbefoundintheproverbswefind
amusingandsometimesforget.Hereareafew alongwith
myinterpretation.Sharethem withthefamily.
“Hangyuhatwheyucanreachit”.
Avoid financialcommitments that are likely to be
unafordable.Notonlydoyouriskfinancialembarassment,
youriskabadreputationandexperienceunhealthystress.
“Tunyuhanmekfashion”
Becreative,workhardandtrytoimproveyoursituation
withwhatyouhave.Intheolddayswewouldadjustour
clothestofit,mixandmatchanddoinnovativethingswith
litle.Manyofushavelosttheseskils.Facemaskscanbe
made,notjustbought.
“whatsweetmouthurtbely”
Justlikesalt,sugarandalcohol,bewareoffinethings
thatafectusadverselylaterinlife.Itsinterestingthatthe
things we preferare sometimes more expensive,less
nutritious,riskierand notsustaining oflife.Putanother
way,“lessismore”.
“Whenmanbelyful,him pocketbruk”
Lookscanbedeceiving,don’tbeeasilyimpressed by
others’appearances,impressionsand oferings.People
don’talwaystalkaboutthelossesorconsequencesoftheir
riskylifestyles.Sometimes,hidden behind the apparent
successisfinancialruin.Becarefuloffakenews,especialy
now.
“everymicklemekamuckle”
Don’talwaysdespairwithsmalgainsasifconsistent,
theyaddupintheend.Smalsavingsgrow substantialy
overtime.MaintainorIncreaseyourCreditUnionssavings
byasmalamount,forgetaboutitandseewhathappens
eventualy.Memberswhopracticedthishabitareseeing
thebenefitduringthisCovid19era.
1.

2.

3.

ServiceExcelence
withaDiference
Asafundamentalelementofthecreditunionmovement,IECCUcontinuesitsfocuson
ensuringthatalfacetsofitsmemberengagementsembodyserviceexcelence.Integralto
thisachievementhasbeenthefosteringandmaintenanceofmeaningfulrelationships,which
hasbeenaimedatcreatingandsustainingthebetermentofthelivesofourmembers.Weare
morethansimplyanotherfinancialinstitution.Honouredwiththeabilitytocreateapositive
diference,thereisimmensevalueplacedonpreservingaunionoftrustwithourmembership,
genuinelyunderstandingtheirneeds,andmostimportantly,todeliveronourpromises.
Ourheartfeltindividualized approach towards
ourmembersisthemostprominentaspectofthe
creditunion’sservice delivery success.We are
cognizantofthevitalimpactthatourinteractions
providetoothersandassuch,wearemotivatedto
establish facilities aimed at truly exceeding
expectations.Throughcompetitivesavingsplans
and afordable loan options,opportunities are
afordedtoenactworld-classservicewithpurpose.
Contactourrepresentativestoday,toexperience
serviceexcelencewithadiference!
MarshaSmith-Bent
MemberServicesSupervisor
4.

5.
2019PEP
Scholarshipand
BursaryW inners
PEPAwardee
ShaineDavis,
AgraduateofKensingtonPrimary,goingto
St.HughsHighSchool
Awardpresentedby
RayJohnson,President
PEPAwardee
JovaniM cLaughlin,
AgraduateofElInstitutedeMandevila,goingto
ManchesterHighSchool
Awardpresentedby
M rs.M icheleW altersNembard,
OperationManager

2019PEP
Scholarshipand
BursaryW innersCont’d
BursaryAwardee
TayjanaeJones,
AformerstudentofSt.AloysiusPrimary,
goingtoWolmenrs’HighSchoolforGirls
Awardpresentedby
M arkBowen,GeneralManager
BursarycontributedbyTheJamaicaCo-op
CreditUnionLeague(JCCUL)
“Thebeautifulthingaboutlearningisthatnoonecantakeitawayfromyou.”
B.B.K ing
6.

FEATURED
PRODUCT
TheGoldenHarvestSavingsPlan
Youwanttosaveforyourchild’seducationandwedding,anew carandhome,travel,or
maybe a comfortable retirement.Wel,whateveryou’ve planned on achieving,you
can—whetheryou’rehereornot.TheGoldenHarvestSavingsPlanisforallife’sgoals.You
oryourlovedoneswilbeabletoreceiveyourentiresavingsgoals,intheeventofyourtotal
andpermanentdisabilityorpassing(naturaloraccidental),soyourdreamscanstilbecome
areality.*
How DoYouEnrolinTheGoldenHarvestSavingsPlan?
YouareeligibletoenrolintheGoldenHarvestSavingsPlanonceyouareamemberofa
CreditUnion,oranyofourtrustedPolicyholdersandarebetweentheagesof15and65.
Onceyou’vesignedup,yourlong-term savingsplanwilbeginwithadecreasingterm life
insurancepolicy.Establishasavingsgoalandatimeframeinwhichyouwouldliketoreach
yourgoal. ContractwithyourGoldenHarvestSavingsPlanprovidertomakeregular
depositsofasetamount.Answeronesimplemedicalquestiontodetermineyoureligibility
forcoverage.(Yourfinancialadvisorwilguideyouonthis.)
Benefits&SpecialFeatures:
TheGoldenHarvestSavingsPlanisdesignedforyourfinancialsuccessandprotection,
andyourmonthlydepositsguaranteetheachievementofyoursavingsgoals.Intheevent
youpassawayorbecometotalyandpermanentlydisabled,yourorganizationwilpaythe
totalsavingsonyourGoldenHarvestSavingsPlanaccount,plusinsurancebenefits(which
equalsyoursavingsgoal)toyou,theinsured,oryourbeneficiary.
Thereisnominimum savingsgoal,and
no minimum monthly deposit. The
maximum savings goal insured is
determinedaccordingtoyourneedsand
subjectto the organization'scontract
limit.
Onceyouhavereachedyoursavings
goal,youcancashinforalumpsum
andstartmakingyourdreamsareality!
7.

TheGoldenHarvestSavingsPlanCont’d
InsuranceAvailableatNoDirectCost:
Alpremiumswilbe paid to CUNA Caribbean Insurance JamaicaLimited byyour
organization.Ifyoudiscontinuethesavingscontract,alaccumulatedpremiumspaidbyyour
organizationonyourbehalfmaybedeductedfrom yourGoldenHarvestSavingsPlan
account.
WhenisCoverageEfective?
Assoonasyousignthesavingscontractwiththeorganizationandpayyourfirstdeposit,
theinsurancecoveragebecomesefective.
TerminationofCoverage
Thisinsurancecoveragewilbeterminatedwhen:
Youceasetobeamemberoftheorganization.Youhavenotmadeadepositformore
than60days.Youwithdraw from thisprogramme.Uponthedateofmaturityorwhenyou
havereceivedthematurityvalueofthesavingsplan.Youreachage70.Theorganizationor
CUNACaribbeanInsuranceJamaicaLimitedterminatesthegroupcontract.Yourbenefitis
paid.
PreexistingConditionsClause:
Thisinsurancewilnotpaydeathortotalandpermanentdisabilitybenefitsduetoan
ilnessorinjuryforwhichyoureceivedmedicaladvice,consultationortreatmentwithinsix
(6)monthspriortotheefectivedateofthecertificate.Theper-existingconditionlimitation
wilnotapplyifyourdeathortotalandpermanentdisabilitybeginssix(6)monthsormore
aftertheefectivedateofthecertificate.
Exclusions:
Thisinsurancewilnotpaybenefitsfordeathortotalandpermanentdisabilitycausedby
thefolowing:
Ifyouengageincriminalactivities.Ifyoubecometotalyandpermanentlydisabledorpass
awayresultingfrom intentionalandharmfulactionsbythebeneficiary.Suicidewithinthe
firsttwoyearsofinsurance.Self-inflicteddisabilities.
IfyouarenotyetanowneroftheGoldenHarvestSavingsPlan,thendon’thesitate.Sign
uptodaytosecureyourlifegoals.Pleasecontactarepresentativefrom ourMemberService
Departmentshouldyouhavefurtherinquiries.
*ConditionsApply.
8.

OurVolunteers
Matter
Highlightsfrom the
RecognitionLuncheon
Feb|20 th |2020
H onoures:
M s.AndreaSmith
M s.CameliaNelson
M r.ChristopherGivans
M s.UelmaNicholson
M r.H .J imyReid
Missingfrom Photograph
M r.W instonDelahaye
M rs.BernitaLocke
M s.CaulineH aynes
Presenters:
LesaRobinson
&
BaringtonLawrence
9.

StafFeature
MeetAliciaHart–SeniorMemberServiceRepresentative
1.Before working atIECCU,whatwasthe mostunusualor
interestingjobyouhaveeverhad?
ANS:MostpersonsareusualysurprisedwhenImentionthis,
butSummerof2010,IventuredoftoSitkainAlaskaandworked
ataseafoodprocessingplant.Thiswasastanding12-hourwork
shift,andIdidthisforaboutthreemonths.Iworkedinthefish
housesection,whichwasaveryfast-pacedenvironment.Iworked
onboththegutingandpanningline. Overal,itwasagreat
experience,anditmademeappreciatethehardworkthatgoes
intowhatisdeemedasnon-traditionaljobs.
2.Whatdoyoulikemostaboutyourjob?
ANS:No two members are alike,so the interaction and
customerengagementprocessare verymuch intriguing,asit
alowsmetotailormymodeofdeliverytofittheuniquenessof
eachsituation/member.Mostimportantly,it’sthesatisfactionof
deliveringexceptionalcustomerservice,especialywhenyouhave
rectifiedsomeone’sfrustrationofcomplicationsintoasighofrelief
andappreciation.
3.Whatdoesatypicaldaylooklikeforyou?
ANS:MydayhastobeginwithTEA,Yes,tealol.Ithassuchacalmingefect!Usualy,Ilike
whenal‘myducksareinarow,’Iwritedowntheorderofthedayregardingnon-interactive
duties(postings,etc.).Thenitwouldflow intoassistingmemberswithtransactions(loans,
withdrawal,queries,etc.);theseareusualybywalk-inorelectronicalysubmited.
4.Whatwouldpeopleneverguessyoudoinyourrole
ANS:Myroleextendsbeyondthatofa“SnrMemberServiceRepresentative”tolending
anearandprovidingsoundandcompassionateadviceinothernon-financialareastoboth
membersandcoleagues.Youbecometheempathizer,advisor,counselor,etc.Youwear
manyhatswhenyouareexposedtodiversesituationsthatyouhavetoadjustaccordinglyor
simplyjustmultitaskbetweenthediferentroles.
5.Whatdoyouliketodoinyoursparetime?
ANS:Leisuretimeisvital!Relaxationisabigthingforme,soanyactivitiesoranywhere
thatpromotesthistypeofenergy(beach,etc.).Also,Iam aFOODIE,sotryingnew spots
(restaurants)withfriends(inoroutoftown)andreading.
6.Threewordstobestdescribeyou:
ANS:Dependable,thoughtfulandtenacious
7.Whatisyourlife,Moto,orpersonalmantra?
ANS:Ifyouonlyactwhenyoufeellikeit,youwilnevergetwhatyouwant–MelRobbins
10.

TIMEFORGIVING:
IECCU FRONTLINESTAFFLEADING BYEXAMPLE
TheMemberServicesteam personalydonatedfoodand
otheressentialitemstoindividualsafectedbyCOVID-19.
1.