Winter 2015

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Transcription

Winter 2015
Brandon Member Solutions Team
2015 Board Elections
An Online Voter FAQ
Westoba is committed to continuing to offer excellent financial solutions to all members. No one person, family, business or
farm is the same.When it comes to managing your finances, we understand that you have unique needs and we’re evolving to
better meet them.We have created specialized Member and Business Solutions Teams.They are made up of knowledgeable staff,
equipped with the necessary skills to offer you excellent personal, commercial and agricultural advice. Not to mention sound
insurance and financial planning guidance.
In the upcoming newsletters, we will introduce the teams who are working hard (in front and behind the scenes) with your
best interests in mind. Let’s put a face to the name!
Meet the Brandon Member Solutions Team…
Why am I being asked to
vote online?
Can anyone find out who
I voted for?
Online voting is a highly efficient
and cost-effective way for
members to exercise their right
to vote. Using this system allows
more members the opportunity
to vote and executing it online
means we minimize our
ecological footprint. It also means
you are no longer required to
attend an AGM or Information
Meeting to be eligible to vote.
No.Your vote is completely
anonymous. We can only
determine whether or not
your vote has been cast.
Can I vote using a mobile
device?
Yes, the online voting system is
mobile-friendly.
John Jansen
Amber Van
De Kerckhove
Manager
Member Solutions,
34th Street
TeleService
Supervisor
Part of the Westoba
family for 18 years
Part of the Westoba family
for 8 ½ years
“I have lived in small towns
my whole life and over
the past year moved to
Brandon with my family.
Brandon may be a city,
but we are enjoying the
small town feel it offers.
As member solution
providers it’s our job to
build relationships with
our members, so we can
advise them on the best
product and services
to make their financial
dreams come true.”
“I have had the opportunity
to work in different areas in
the branches and recently
joined the TeleService
Team as the Supervisor.
At TeleService we have
started to take MasterCard
applications over the phone,
process loan applications
with same day or next day
approval.We answer calls
for all Westoba Branches
and in 2014 the TeleService
team answered over
73,000 inbound calls from
members. We are looking
forward to 2015 and what it
will bring.”
Melody Osudar
Patti McEvoy
Joshua Roels
Associate Vice
President, Member
Solutions Brandon
Manager
Member Solutions,
10th Street
Part of the Westoba family
for 8 years,
25+ years in the financial
industry
Part of the Westoba family
for 19 years
Manager
Member Solutions,
Kirkcaldy/
1st Street/Shilo
“We are a full service
Credit Union. Providing
you Wealth Management
services,WestProtect
and Phillips Insurance
options, a local Teleservice
and many ATM’s located
throughout the Brandon
area.Westoba’s focus
is providing excellent
member service by
creating solutions that
work for our members.
Our goal is to make it easy
to do business with us.”
“I recommend all staff to
take a deeper interest in
the members they serve.
Ask the small questions
like, “Are you heading away
on a holiday this winter?”
or “How many kids do
you have?” You may be
surprised at where these
small questions lead you,
and lead your relationship
with your member.”
Can a vote be cast more
than once?
No, the system will not allow a
voter identification to be used
more than once. Regardless of
where you vote (online or inbranch), once your vote is cast,
attempting to use it again will
result in an error code.
Is online voting safe?
How are the votes
calculated?
Yes. Our online voting system is
a stand-alone software system
that is not directly attached to
the Westoba database.There
is no connection to member
account information.
Votes are automatically tabulated
online after the voter confirms
the selections made.The vote
is considered cast at that time
and the tabulation is updated
immediately by the system.
Part of the Westoba family
for 8 years
What happens to my
private information
after the election? Has it
been secure through the
process?
This system is not linked directly
to any member database.Your
member number and postal
code reside in the database used
in the voting application. During
the voting process, the database
is held in an independent server.
This data is encrypted on the
server in a locked ISO with 256bit encryption to encapsulate the
data. After the election results
are announced, the system’s
database will be destroyed.
Nice to
Meet Ya’
Neighbour!
How do businesses, corporations, or organizations appoint one person
to vote on their behalf?
There is a form on westoba.com
that can be printed, signed
and returned to MNP LLP, the
returning officer. Once this is
completed, the organization
will be provided with a voter
identifier code.
Introducing the Managers of our
Brandon Member Solutions Team.
See page 5
Mark Your Calendars
2015 Information Meetings
Monday, April 13 – District 5 (Glenboro/Ninette/Belmont)
Wednesday, April 15 – District 2 (Carberry)
Monday, April 20 – District 4 (Rivers)
Credit Union
Wednesday, April 22 – District 8 (Killarney/Cartwright)
“Having grown up in and
around Brandon, I have
always known this is a
fantastic community to
live and raise a family. I
believe you have to do
what others won’t to
achieve what others don’t
and like to work and live
with that model in mind.
At Westoba we listen and
work with our members
to find solutions to best
suit their needs.This is
what sets us apart.”
FAMILY
DAY
2015 Annual General Meeting
Wednesday, April 29 – District 1 (Brandon/Shilo)
Watch in branch, online and in local newspapers for
locations and times to be announced.
Toll-Free 1-877-WESTOBA
1-877-937-8622
Meet Lyle, a bull on a
member’s farm
southeast of Onanole.
TeleService Representatives: Monday to Friday 8 am to 8 pm • Saturday 8 am to 4 pm
Automated TeleService: 24 hours a day, 7 days a week
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westoba.com
5
Picture credit: Pennie Nylen.
During this year’s Royal Manitoba
Winter Fair in Brandon, the
Credit Unions serving southwestern
Manitoba are sponsoring Credit Union
Family Day. On Wednesday, April 1st,
Canadian stars Sharon and Bram will have
performances throughout the day! For
more details around the day see page 2.
Membership
Satisfaction
Survey
Your opinion matters. Let us know
how we’re doing! See page 4
RRSP Contest
Think about your Future You and find
out how you can win $500 towards
your 2015 contribution! See page 4
This newsletter is printed on paper
containing 10% recycled content.
® TELESERVICE is a registered trademark owned by Vancouver City Savings Credit Union and is used under licence. ® ACCULINK & Design are registered trademarks owned by the Credit Union Central of Canada and are
used under licence. ™ [email protected] is a trademark owned by Credit Union Central of Canada and is used under licence. ® MEMBER CARD Design is a registered certification mark owned by Credit Union Central of Canada and
is used under licence. ® INTERAC & Design are registered trademarks owned by Interac Inc., authorized user of the mark. ® CIRRUS & Design are registered trademarks owned by Cirrus System Inc. and are used under licence.
® MAESTRO is a registered trademark owned by Maestro International Inc. and is used under licence. ® MASTERCARD & Design are registered trademarks owned by MasterCard International Inc.
6
This is your newsletter and we want to know what you think. Send your
comments and story suggestions to [email protected]
WINTER 2015
o
t
p
i
r
T
t
n
e
d
u
t
S
m
u
e
s
u
M
s
t
h
g
i
R
Human
Interesting Members, Doing Interesting Things…
ent
nity Developm
u
m
om
C
’s
on
Brand
Human
0th, the City of
International
rk
a
m
to
t
s
en
On December 1
a day-long ev
l organization
d
ra
te
ve
os
se
h
t
by
en
ed
m
iv
rt
Depa
rship rece
inden
hrough sponso
dents from L
u
st
4
4
,
n
io
Rights Day. T
Un
Canadian
estoba Credit
6 visited the
d
n
a
5
including W
es
d
ra
ts then
rl Oxford g
rd. The studen
3
r
be
em
ec
Lanes and Ea
D
on
rce Centre
uman Rights
ultural Resou
C
e
th
to
Museum for H
t
k
si
vi
p
were able to wor
ey
had a follow-u
th
e
er
h
w
y
a
hts D
ts Commission
n pieces
on Human Rig e Manitoba Human Righ
create their ow
th
to
a
om
ob
fr
it
n
a
ff
great
a
M
with st
outhwestern
. There was a
S
se
of
ou
h
y
er
en
ll
a
op
G
’s
s
and the Art
r the evening
ided awarenes
fo
ov
y
pr
a
t
pl
is
en
d
ev
e
on
th
e
rter of
ing and
of art that wer
Canadian Cha
le for the even
e
op
th
pe
,
0
ts
8
h
er
ig
R
ov
n
turnout of
hts and how it
ig
tion of Huma
R
ra
n
la
a
ec
m
D
u
l
H
sa
er
kids’
a Code of
about the Univ
g included the
nd the Manitob
a
in
s
en
ev
om
e
ed
h
re
T
F
.
e
d
Rights an
ves in Brandon Brandon, education from th
li
y
a
d
y
er
ev
’s
mers to
ovided
related to people
done by newco
trade treats pr
ry
ir
ta
fa
,
en
y
m
st
u
ta
oc
d
d
en
art, a photo
ommission an
e evening’s op
C
th
ts
to
h
ed
ig
R
rn
n
tu
a
re
students
Manitoba Hum
. Many of the
ct
je
ro
P
is
u
rq
.
by the Ma
eir work of art
th
f”
of
ow
h
“s
at enabled
r family to
redit Union th
C
ba
to
es
house with thei
W
ed from
onsorship receiv
sp
e
th
r
fo
in
a
s.
Thank you ag
a great succes
t
ec
oj
pr
is
th
e
us to mak
Sincerely,
que
Rachelle Leves
evelopment
Community D
Programmer
on,
City of Brand
ervices
S
Community
Winnipeg Harvest –
Empty Bowl Celebrity
Auction
This past October, Westoba was a bowl sponsor
at the Winnipeg Harvest’s Empty Bowl Celebrity
Auction.Winnipeg Harvest is a non-profit,
community-based organization that is committed
to providing food to people who struggle to feed
themselves and families and raising awareness around
poverty and hunger.They raised over $340,000.00 in
support of hungry Manitoba families!
Local sugar cane farm, Montero
En route to the mountain village of Montero,
30 minutes south of the equator
Grading coffee beans, Piura.
Randy Brown’s Peru Adventure
Randy Brown,Vice President of Member Solutions at
Westoba, sits on the national Co-operative Development
Foundation (CDF) of Canada Board and it is something
he is very passionate about. CDF’s goal is raising funds for
co-operative and credit union development programming
to reduce global poverty.
In the past, CDF has joined
forces with the Canadian Cooperative Association (CCA)
to implement several projects.
CCA is a not-for-profit cooperative, which helps establish
and strengthen co-operatives,
credit unions and community
based organizations. CCA and
CDF have been working with
Norandino, a multi-service
co-operative in Northern Peru,
to grow its business and bring
needed services and benefits
to more farmers in the region.
The two boards partnered
to improve and increase
Norandino’s capacity to produce,
Credit Union
Family Day
All Day, Wednesday,
April 1st, 2015
During the Royal
Manitoba Winter Fair
Westoba has been directly
involved with CDF for the
past 15 years by hosting a
golf tournament raising in
excess of $150,000.00.
In November, Randy got
to learn more about the
Norandino project first hand…
November 23rd – Travel day,
arrived in Lima. Weather was
20°C during the day and 15°C at
night; could get used to this.
Turkeys for the Westman
Traditional Christmas Dinner
For more information, follow us on
MBCreditUnions,
@MBCreditUnions
or visit MBCreditUnions.ca
2
Montero
process and market export
quality fair trade organic coffee,
cocoa and panela (cane sugar).
Credit Union Family Day
sponsored by the Credit Unions
of Southwestern Manitoba
Canadian stars, Sharon and Bram
are performing throughout the day.
A sing-along concert for the entire family,
playing well-loved favourites like “She’ll
Be Coming ‘Round the Mountain”, “Five
Little Monkeys”, and “Skinna-ma-rink”.
RANDY’S
TRAVELS
The Credit Unions of Brandon partnered to help cover the cost of
hundreds of turkeys for a community event that provides a much
needed Christmas meal for many. Shown in the picture (left to right):
Harry Bowler, C.E.O. of Sunrise Credit Union, Arnie Guist, C.E.O. of
Crocus Credit Union,Tammy Waterfield of the Westman Traditional
Christmas Dinner, Ian Gerrard, C.E.O. of Vanguard Credit Union,
Jim Rediger, C.E.O. of Westoba Credit Union, and Marc Cayer, store
manager of Heritage Co-op.
November 24th – Met with
CDF Directors who were our
guides for the next week. Our
first visit was the Canadian
Embassy where we learned more
about Canada’s great interest
in the mining sector in Peru. In
having a short conversation with
a staff member, it turned out
he was from Manitoba and had
heard of Westoba Credit Union.
Small world!
November 25th – Flew north
to the desert city Piura. Met
employees of the Norandino
Co-op and toured a facility that
took raw sugar cane powder and
packaged it for export. It looks
and tastes like brown sugar, only
better! Toured a large warehouse
facility used to store and grade
green coffee beans, as well as
cocoa beans. All of these products
are grown by roughly 7,000 small
farms in Peru all striving to be
totally organic. The products are
processed through very labour
intensive means that are slowly
being automated with the help
of various funding agencies like
CCA and CDF.
November 26th – Travelled
to the mountain village of
Montero and visited farmers
who produce coffee, cocoa and
cane sugar. It was great to hear
the men and women tell stories
about how proud they felt
It’s no surprise to us that our membership is made up of fascinating and
remarkable individuals and now we want to share their stories with you!
“Interesting members, doing interesting things…” includes stories told
by our members, shared by our members and all about our members.
Tell us what you’re involved in, your quirky facts and your amazing
accomplishments.We want to hear it and we want to share it! Email
[email protected] with your interesting tale.
Coffee beans and cocoa beans ready
to be shipped, Piura
belonging to a co-op that could
market their products from this
lush little part of South America
to all over the world. Part of
the mandate for CCA and CDF
is ensuring equality for women.
There weren’t equal numbers
of men and women producers
but it was good to learn how
women’s lives, and their families,
had improved. These one to
two hectare farms operate
nothing like the farms here.
There is no big machinery and
cocoa pods and coffee beans are
picked by hand.
Introducing
Roméo Lemieux —
a Westoba member for
25 years, a retired (but
never fully retired) teacher
and most recently a
published author.
Roméo’s passion for great stories
started in his early days as a farm
kid, where he would
wait out the
November 27th – Explored
Piura, met with the Board of
Norandino and learned more
about their five-year plan. CDF
and CCA have funded this co-op
over the last four years and given
them nearly $1.4 million over
that time.
endless winter months with
comics and novels. His love
for stories continued into his
career where his students would
provide him constant inspiration
with their imaginative and
creative minds.
His skillful niece, Connie
Bischoff, is credited with the
art photography in the book.
Wondering what someone on the
other side of the lens saw, Connie
sent Roméo her pictures and he
then wrote short
You’ve been
named as Executor…
Do you know where to start?
The cane sugar they sell in
Canada is Camino.The coffee
product is sold under various
names but will have the
Norandino fair trade stamp.
Being named the Executor may
be an honour, but it’s also a
serious commitment. As
Executor you are
the person legally
obligated to
ensure the:
November 28th – Spent
a couple of hours reviewing
experiences and all felt the
Norandino Co-op was doing
good work and living up to the
mandate given. We could see
them working towards gender
equality for their members and
that the three main products
they market are highly regarded.
• Estate assets
are located,
protected
and properly
disbursed;
• debts, liabilities and taxes are
identified and paid; and
• beneficiaries are kept
informed and treated
fairly throughout the
administration of the Estate
To learn more about CDF or
CCA visit www.cdfcanada.coop
or www.coopscanada.coop.
3
You are expected to complete
these tasks in a thoughtful, caring
and efficient manner; often
while you are experiencing the
grieving process yourself. It can
be a tough job and many who
accept an Executor appointment
don’t fully understand the duties,
responsibilities and personal
liabilities that come with it.
We know this can be hard.
Through our partnership
with Concentra Trust,
we offer members
a program called
Executor EASE,
designed to assist
Executors in their role
in administering an Estate.
Roméo Lemieux
stories and poems to match them.
On the flipside, Roméo would
send Connie his written work and
challenged her to take a picture to
match. The exchanges of creative
intelligence over the years lead to
Right sideUPside Down!, a 200-page
coffee table book that invites busy
minds to sit for just a few minutes
with a cup of coffee (or what have
you) and share.
3
Membership
Satisfaction Survey
Tell us how we’re doing!
Your opinion matters and we
want to make sure we’re doing
a good job from your eyes!
• Prepare statements and
reporting
Mid-March Westoba is excited
to launch our Member
Satisfaction Survey. Start to
finish, the survey will take 1015 minutes to complete. We
want to know how you think
our products and services,
community engagement and
member communications
measure up. The results will
give us the knowledge to
make educated decisions on
how to best meet the future
wants and needs of our
members.
There is no initial cost and
no obligation. Talk to us and
we can set you up with a free
consultation. Let us help you.
More information to come!
Details on how you can
take part will be available in
branches and at westoba.com.
The Executor EASE program
will help you:
• Locate, assemble, and
gather information
• Understand and gather
documentation
• Establish Executor authority
• Manage assets and liabilities
Right sideUpside Down! is available
online through FriesenPress,
Indigo, and McNally Robinson,
as well as at Lady of the Lake in
Brandon. For more information
about Mr. Roméo Lemieux’s book
please connect by email: [email protected]
mymts.net or by regular mail:
Romeo Lemieux, 301-3420 Grant
Ave., Winnipeg, MB, R3R 3T5.
How can you participate?
There are lots of ways!
1. Online – Members can
complete the survey online
through a link at westoba.com.
2. In-Branch – Members
can complete the survey inbranch at a computer kiosk
or request a printed copy.
3.Phone – Some members
will be contacted by a third
party, Probe Research,
and asked to participate
in the survey. Please know
that this is a legitimate
phone call. Private member
account and card numbers
will not be requested.
4. Mail – You can request the
survey be mailed to you to
complete and return.
4
o
t
p
i
r
T
t
n
e
d
u
t
S
m
u
e
s
u
M
s
t
h
g
i
R
Human
Interesting Members, Doing Interesting Things…
ent
nity Developm
u
m
om
C
’s
on
Brand
Human
0th, the City of
International
rk
a
m
to
t
s
en
On December 1
a day-long ev
l organization
d
ra
te
ve
os
se
h
t
by
en
ed
m
iv
rt
Depa
rship rece
inden
hrough sponso
dents from L
u
st
4
4
,
n
io
Rights Day. T
Un
Canadian
estoba Credit
6 visited the
d
n
a
5
including W
es
d
ra
ts then
rl Oxford g
rd. The studen
3
r
be
em
ec
Lanes and Ea
D
on
rce Centre
uman Rights
ultural Resou
C
e
th
to
Museum for H
t
k
si
vi
p
were able to wor
ey
had a follow-u
th
e
er
h
w
y
a
hts D
ts Commission
n pieces
on Human Rig e Manitoba Human Righ
create their ow
th
to
a
om
ob
fr
it
n
a
ff
great
a
M
with st
outhwestern
. There was a
S
se
of
ou
h
y
er
en
ll
a
op
G
’s
s
and the Art
r the evening
ided awarenes
fo
ov
y
pr
a
t
pl
is
en
d
ev
e
on
th
e
rter of
ing and
of art that wer
Canadian Cha
le for the even
e
op
th
pe
,
0
ts
8
h
er
ig
R
ov
n
turnout of
hts and how it
ig
tion of Huma
R
ra
n
la
a
ec
m
D
u
l
H
sa
er
kids’
a Code of
about the Univ
g included the
nd the Manitob
a
in
s
en
ev
om
e
ed
h
re
T
F
.
e
d
Rights an
ves in Brandon Brandon, education from th
li
y
a
d
y
er
ev
’s
mers to
ovided
related to people
done by newco
trade treats pr
ry
ir
ta
fa
,
en
y
m
st
u
ta
oc
d
d
en
art, a photo
ommission an
e evening’s op
C
th
ts
to
h
ed
ig
R
rn
n
tu
a
re
students
Manitoba Hum
. Many of the
ct
je
ro
P
is
u
rq
.
by the Ma
eir work of art
th
f”
of
ow
h
“s
at enabled
r family to
redit Union th
C
ba
to
es
house with thei
W
ed from
onsorship receiv
sp
e
th
r
fo
in
a
s.
Thank you ag
a great succes
t
ec
oj
pr
is
th
e
us to mak
Sincerely,
que
Rachelle Leves
evelopment
Community D
Programmer
on,
City of Brand
ervices
S
Community
Winnipeg Harvest –
Empty Bowl Celebrity
Auction
This past October, Westoba was a bowl sponsor
at the Winnipeg Harvest’s Empty Bowl Celebrity
Auction.Winnipeg Harvest is a non-profit,
community-based organization that is committed
to providing food to people who struggle to feed
themselves and families and raising awareness around
poverty and hunger.They raised over $340,000.00 in
support of hungry Manitoba families!
Local sugar cane farm, Montero
En route to the mountain village of Montero,
30 minutes south of the equator
Grading coffee beans, Piura.
Randy Brown’s Peru Adventure
Randy Brown,Vice President of Member Solutions at
Westoba, sits on the national Co-operative Development
Foundation (CDF) of Canada Board and it is something
he is very passionate about. CDF’s goal is raising funds for
co-operative and credit union development programming
to reduce global poverty.
In the past, CDF has joined
forces with the Canadian Cooperative Association (CCA)
to implement several projects.
CCA is a not-for-profit cooperative, which helps establish
and strengthen co-operatives,
credit unions and community
based organizations. CCA and
CDF have been working with
Norandino, a multi-service
co-operative in Northern Peru,
to grow its business and bring
needed services and benefits
to more farmers in the region.
The two boards partnered
to improve and increase
Norandino’s capacity to produce,
Credit Union
Family Day
All Day, Wednesday,
April 1st, 2015
During the Royal
Manitoba Winter Fair
Westoba has been directly
involved with CDF for the
past 15 years by hosting a
golf tournament raising in
excess of $150,000.00.
In November, Randy got
to learn more about the
Norandino project first hand…
November 23rd – Travel day,
arrived in Lima. Weather was
20°C during the day and 15°C at
night; could get used to this.
Turkeys for the Westman
Traditional Christmas Dinner
For more information, follow us on
MBCreditUnions,
@MBCreditUnions
or visit MBCreditUnions.ca
2
Montero
process and market export
quality fair trade organic coffee,
cocoa and panela (cane sugar).
Credit Union Family Day
sponsored by the Credit Unions
of Southwestern Manitoba
Canadian stars, Sharon and Bram
are performing throughout the day.
A sing-along concert for the entire family,
playing well-loved favourites like “She’ll
Be Coming ‘Round the Mountain”, “Five
Little Monkeys”, and “Skinna-ma-rink”.
RANDY’S
TRAVELS
The Credit Unions of Brandon partnered to help cover the cost of
hundreds of turkeys for a community event that provides a much
needed Christmas meal for many. Shown in the picture (left to right):
Harry Bowler, C.E.O. of Sunrise Credit Union, Arnie Guist, C.E.O. of
Crocus Credit Union,Tammy Waterfield of the Westman Traditional
Christmas Dinner, Ian Gerrard, C.E.O. of Vanguard Credit Union,
Jim Rediger, C.E.O. of Westoba Credit Union, and Marc Cayer, store
manager of Heritage Co-op.
November 24th – Met with
CDF Directors who were our
guides for the next week. Our
first visit was the Canadian
Embassy where we learned more
about Canada’s great interest
in the mining sector in Peru. In
having a short conversation with
a staff member, it turned out
he was from Manitoba and had
heard of Westoba Credit Union.
Small world!
November 25th – Flew north
to the desert city Piura. Met
employees of the Norandino
Co-op and toured a facility that
took raw sugar cane powder and
packaged it for export. It looks
and tastes like brown sugar, only
better! Toured a large warehouse
facility used to store and grade
green coffee beans, as well as
cocoa beans. All of these products
are grown by roughly 7,000 small
farms in Peru all striving to be
totally organic. The products are
processed through very labour
intensive means that are slowly
being automated with the help
of various funding agencies like
CCA and CDF.
November 26th – Travelled
to the mountain village of
Montero and visited farmers
who produce coffee, cocoa and
cane sugar. It was great to hear
the men and women tell stories
about how proud they felt
It’s no surprise to us that our membership is made up of fascinating and
remarkable individuals and now we want to share their stories with you!
“Interesting members, doing interesting things…” includes stories told
by our members, shared by our members and all about our members.
Tell us what you’re involved in, your quirky facts and your amazing
accomplishments.We want to hear it and we want to share it! Email
[email protected] with your interesting tale.
Coffee beans and cocoa beans ready
to be shipped, Piura
belonging to a co-op that could
market their products from this
lush little part of South America
to all over the world. Part of
the mandate for CCA and CDF
is ensuring equality for women.
There weren’t equal numbers
of men and women producers
but it was good to learn how
women’s lives, and their families,
had improved. These one to
two hectare farms operate
nothing like the farms here.
There is no big machinery and
cocoa pods and coffee beans are
picked by hand.
Introducing
Roméo Lemieux —
a Westoba member for
25 years, a retired (but
never fully retired) teacher
and most recently a
published author.
Roméo’s passion for great stories
started in his early days as a farm
kid, where he would
wait out the
November 27th – Explored
Piura, met with the Board of
Norandino and learned more
about their five-year plan. CDF
and CCA have funded this co-op
over the last four years and given
them nearly $1.4 million over
that time.
endless winter months with
comics and novels. His love
for stories continued into his
career where his students would
provide him constant inspiration
with their imaginative and
creative minds.
His skillful niece, Connie
Bischoff, is credited with the
art photography in the book.
Wondering what someone on the
other side of the lens saw, Connie
sent Roméo her pictures and he
then wrote short
You’ve been
named as Executor…
Do you know where to start?
The cane sugar they sell in
Canada is Camino.The coffee
product is sold under various
names but will have the
Norandino fair trade stamp.
Being named the Executor may
be an honour, but it’s also a
serious commitment. As
Executor you are
the person legally
obligated to
ensure the:
November 28th – Spent
a couple of hours reviewing
experiences and all felt the
Norandino Co-op was doing
good work and living up to the
mandate given. We could see
them working towards gender
equality for their members and
that the three main products
they market are highly regarded.
• Estate assets
are located,
protected
and properly
disbursed;
• debts, liabilities and taxes are
identified and paid; and
• beneficiaries are kept
informed and treated
fairly throughout the
administration of the Estate
To learn more about CDF or
CCA visit www.cdfcanada.coop
or www.coopscanada.coop.
3
You are expected to complete
these tasks in a thoughtful, caring
and efficient manner; often
while you are experiencing the
grieving process yourself. It can
be a tough job and many who
accept an Executor appointment
don’t fully understand the duties,
responsibilities and personal
liabilities that come with it.
We know this can be hard.
Through our partnership
with Concentra Trust,
we offer members
a program called
Executor EASE,
designed to assist
Executors in their role
in administering an Estate.
Roméo Lemieux
stories and poems to match them.
On the flipside, Roméo would
send Connie his written work and
challenged her to take a picture to
match. The exchanges of creative
intelligence over the years lead to
Right sideUPside Down!, a 200-page
coffee table book that invites busy
minds to sit for just a few minutes
with a cup of coffee (or what have
you) and share.
3
Membership
Satisfaction Survey
Tell us how we’re doing!
Your opinion matters and we
want to make sure we’re doing
a good job from your eyes!
• Prepare statements and
reporting
Mid-March Westoba is excited
to launch our Member
Satisfaction Survey. Start to
finish, the survey will take 1015 minutes to complete. We
want to know how you think
our products and services,
community engagement and
member communications
measure up. The results will
give us the knowledge to
make educated decisions on
how to best meet the future
wants and needs of our
members.
There is no initial cost and
no obligation. Talk to us and
we can set you up with a free
consultation. Let us help you.
More information to come!
Details on how you can
take part will be available in
branches and at westoba.com.
The Executor EASE program
will help you:
• Locate, assemble, and
gather information
• Understand and gather
documentation
• Establish Executor authority
• Manage assets and liabilities
Right sideUpside Down! is available
online through FriesenPress,
Indigo, and McNally Robinson,
as well as at Lady of the Lake in
Brandon. For more information
about Mr. Roméo Lemieux’s book
please connect by email: [email protected]
mymts.net or by regular mail:
Romeo Lemieux, 301-3420 Grant
Ave., Winnipeg, MB, R3R 3T5.
How can you participate?
There are lots of ways!
1. Online – Members can
complete the survey online
through a link at westoba.com.
2. In-Branch – Members
can complete the survey inbranch at a computer kiosk
or request a printed copy.
3.Phone – Some members
will be contacted by a third
party, Probe Research,
and asked to participate
in the survey. Please know
that this is a legitimate
phone call. Private member
account and card numbers
will not be requested.
4. Mail – You can request the
survey be mailed to you to
complete and return.
4
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ent
nity Developm
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hrough sponso
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create their ow
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trade treats pr
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Community
Winnipeg Harvest –
Empty Bowl Celebrity
Auction
This past October, Westoba was a bowl sponsor
at the Winnipeg Harvest’s Empty Bowl Celebrity
Auction.Winnipeg Harvest is a non-profit,
community-based organization that is committed
to providing food to people who struggle to feed
themselves and families and raising awareness around
poverty and hunger.They raised over $340,000.00 in
support of hungry Manitoba families!
Local sugar cane farm, Montero
En route to the mountain village of Montero,
30 minutes south of the equator
Grading coffee beans, Piura.
Randy Brown’s Peru Adventure
Randy Brown,Vice President of Member Solutions at
Westoba, sits on the national Co-operative Development
Foundation (CDF) of Canada Board and it is something
he is very passionate about. CDF’s goal is raising funds for
co-operative and credit union development programming
to reduce global poverty.
In the past, CDF has joined
forces with the Canadian Cooperative Association (CCA)
to implement several projects.
CCA is a not-for-profit cooperative, which helps establish
and strengthen co-operatives,
credit unions and community
based organizations. CCA and
CDF have been working with
Norandino, a multi-service
co-operative in Northern Peru,
to grow its business and bring
needed services and benefits
to more farmers in the region.
The two boards partnered
to improve and increase
Norandino’s capacity to produce,
Credit Union
Family Day
All Day, Wednesday,
April 1st, 2015
During the Royal
Manitoba Winter Fair
Westoba has been directly
involved with CDF for the
past 15 years by hosting a
golf tournament raising in
excess of $150,000.00.
In November, Randy got
to learn more about the
Norandino project first hand…
November 23rd – Travel day,
arrived in Lima. Weather was
20°C during the day and 15°C at
night; could get used to this.
Turkeys for the Westman
Traditional Christmas Dinner
For more information, follow us on
MBCreditUnions,
@MBCreditUnions
or visit MBCreditUnions.ca
2
Montero
process and market export
quality fair trade organic coffee,
cocoa and panela (cane sugar).
Credit Union Family Day
sponsored by the Credit Unions
of Southwestern Manitoba
Canadian stars, Sharon and Bram
are performing throughout the day.
A sing-along concert for the entire family,
playing well-loved favourites like “She’ll
Be Coming ‘Round the Mountain”, “Five
Little Monkeys”, and “Skinna-ma-rink”.
RANDY’S
TRAVELS
The Credit Unions of Brandon partnered to help cover the cost of
hundreds of turkeys for a community event that provides a much
needed Christmas meal for many. Shown in the picture (left to right):
Harry Bowler, C.E.O. of Sunrise Credit Union, Arnie Guist, C.E.O. of
Crocus Credit Union,Tammy Waterfield of the Westman Traditional
Christmas Dinner, Ian Gerrard, C.E.O. of Vanguard Credit Union,
Jim Rediger, C.E.O. of Westoba Credit Union, and Marc Cayer, store
manager of Heritage Co-op.
November 24th – Met with
CDF Directors who were our
guides for the next week. Our
first visit was the Canadian
Embassy where we learned more
about Canada’s great interest
in the mining sector in Peru. In
having a short conversation with
a staff member, it turned out
he was from Manitoba and had
heard of Westoba Credit Union.
Small world!
November 25th – Flew north
to the desert city Piura. Met
employees of the Norandino
Co-op and toured a facility that
took raw sugar cane powder and
packaged it for export. It looks
and tastes like brown sugar, only
better! Toured a large warehouse
facility used to store and grade
green coffee beans, as well as
cocoa beans. All of these products
are grown by roughly 7,000 small
farms in Peru all striving to be
totally organic. The products are
processed through very labour
intensive means that are slowly
being automated with the help
of various funding agencies like
CCA and CDF.
November 26th – Travelled
to the mountain village of
Montero and visited farmers
who produce coffee, cocoa and
cane sugar. It was great to hear
the men and women tell stories
about how proud they felt
It’s no surprise to us that our membership is made up of fascinating and
remarkable individuals and now we want to share their stories with you!
“Interesting members, doing interesting things…” includes stories told
by our members, shared by our members and all about our members.
Tell us what you’re involved in, your quirky facts and your amazing
accomplishments.We want to hear it and we want to share it! Email
[email protected] with your interesting tale.
Coffee beans and cocoa beans ready
to be shipped, Piura
belonging to a co-op that could
market their products from this
lush little part of South America
to all over the world. Part of
the mandate for CCA and CDF
is ensuring equality for women.
There weren’t equal numbers
of men and women producers
but it was good to learn how
women’s lives, and their families,
had improved. These one to
two hectare farms operate
nothing like the farms here.
There is no big machinery and
cocoa pods and coffee beans are
picked by hand.
Introducing
Roméo Lemieux —
a Westoba member for
25 years, a retired (but
never fully retired) teacher
and most recently a
published author.
Roméo’s passion for great stories
started in his early days as a farm
kid, where he would
wait out the
November 27th – Explored
Piura, met with the Board of
Norandino and learned more
about their five-year plan. CDF
and CCA have funded this co-op
over the last four years and given
them nearly $1.4 million over
that time.
endless winter months with
comics and novels. His love
for stories continued into his
career where his students would
provide him constant inspiration
with their imaginative and
creative minds.
His skillful niece, Connie
Bischoff, is credited with the
art photography in the book.
Wondering what someone on the
other side of the lens saw, Connie
sent Roméo her pictures and he
then wrote short
You’ve been
named as Executor…
Do you know where to start?
The cane sugar they sell in
Canada is Camino.The coffee
product is sold under various
names but will have the
Norandino fair trade stamp.
Being named the Executor may
be an honour, but it’s also a
serious commitment. As
Executor you are
the person legally
obligated to
ensure the:
November 28th – Spent
a couple of hours reviewing
experiences and all felt the
Norandino Co-op was doing
good work and living up to the
mandate given. We could see
them working towards gender
equality for their members and
that the three main products
they market are highly regarded.
• Estate assets
are located,
protected
and properly
disbursed;
• debts, liabilities and taxes are
identified and paid; and
• beneficiaries are kept
informed and treated
fairly throughout the
administration of the Estate
To learn more about CDF or
CCA visit www.cdfcanada.coop
or www.coopscanada.coop.
3
You are expected to complete
these tasks in a thoughtful, caring
and efficient manner; often
while you are experiencing the
grieving process yourself. It can
be a tough job and many who
accept an Executor appointment
don’t fully understand the duties,
responsibilities and personal
liabilities that come with it.
We know this can be hard.
Through our partnership
with Concentra Trust,
we offer members
a program called
Executor EASE,
designed to assist
Executors in their role
in administering an Estate.
Roméo Lemieux
stories and poems to match them.
On the flipside, Roméo would
send Connie his written work and
challenged her to take a picture to
match. The exchanges of creative
intelligence over the years lead to
Right sideUPside Down!, a 200-page
coffee table book that invites busy
minds to sit for just a few minutes
with a cup of coffee (or what have
you) and share.
3
Membership
Satisfaction Survey
Tell us how we’re doing!
Your opinion matters and we
want to make sure we’re doing
a good job from your eyes!
• Prepare statements and
reporting
Mid-March Westoba is excited
to launch our Member
Satisfaction Survey. Start to
finish, the survey will take 1015 minutes to complete. We
want to know how you think
our products and services,
community engagement and
member communications
measure up. The results will
give us the knowledge to
make educated decisions on
how to best meet the future
wants and needs of our
members.
There is no initial cost and
no obligation. Talk to us and
we can set you up with a free
consultation. Let us help you.
More information to come!
Details on how you can
take part will be available in
branches and at westoba.com.
The Executor EASE program
will help you:
• Locate, assemble, and
gather information
• Understand and gather
documentation
• Establish Executor authority
• Manage assets and liabilities
Right sideUpside Down! is available
online through FriesenPress,
Indigo, and McNally Robinson,
as well as at Lady of the Lake in
Brandon. For more information
about Mr. Roméo Lemieux’s book
please connect by email: [email protected]
mymts.net or by regular mail:
Romeo Lemieux, 301-3420 Grant
Ave., Winnipeg, MB, R3R 3T5.
How can you participate?
There are lots of ways!
1. Online – Members can
complete the survey online
through a link at westoba.com.
2. In-Branch – Members
can complete the survey inbranch at a computer kiosk
or request a printed copy.
3.Phone – Some members
will be contacted by a third
party, Probe Research,
and asked to participate
in the survey. Please know
that this is a legitimate
phone call. Private member
account and card numbers
will not be requested.
4. Mail – You can request the
survey be mailed to you to
complete and return.
4
Brandon Member Solutions Team
2015 Board Elections
An Online Voter FAQ
Westoba is committed to continuing to offer excellent financial solutions to all members. No one person, family, business or
farm is the same.When it comes to managing your finances, we understand that you have unique needs and we’re evolving to
better meet them.We have created specialized Member and Business Solutions Teams.They are made up of knowledgeable staff,
equipped with the necessary skills to offer you excellent personal, commercial and agricultural advice. Not to mention sound
insurance and financial planning guidance.
In the upcoming newsletters, we will introduce the teams who are working hard (in front and behind the scenes) with your
best interests in mind. Let’s put a face to the name!
Meet the Brandon Member Solutions Team…
Why am I being asked to
vote online?
Can anyone find out who
I voted for?
Online voting is a highly efficient
and cost-effective way for
members to exercise their right
to vote. Using this system allows
more members the opportunity
to vote and executing it online
means we minimize our
ecological footprint. It also means
you are no longer required to
attend an AGM or Information
Meeting to be eligible to vote.
No.Your vote is completely
anonymous. We can only
determine whether or not
your vote has been cast.
Can I vote using a mobile
device?
Yes, the online voting system is
mobile-friendly.
John Jansen
Amber Van
De Kerckhove
Manager
Member Solutions,
34th Street
TeleService
Supervisor
Part of the Westoba
family for 18 years
Part of the Westoba family
for 8 ½ years
“I have lived in small towns
my whole life and over
the past year moved to
Brandon with my family.
Brandon may be a city,
but we are enjoying the
small town feel it offers.
As member solution
providers it’s our job to
build relationships with
our members, so we can
advise them on the best
product and services
to make their financial
dreams come true.”
“I have had the opportunity
to work in different areas in
the branches and recently
joined the TeleService
Team as the Supervisor.
At TeleService we have
started to take MasterCard
applications over the phone,
process loan applications
with same day or next day
approval.We answer calls
for all Westoba Branches
and in 2014 the TeleService
team answered over
73,000 inbound calls from
members. We are looking
forward to 2015 and what it
will bring.”
Melody Osudar
Patti McEvoy
Joshua Roels
Associate Vice
President, Member
Solutions Brandon
Manager
Member Solutions,
10th Street
Part of the Westoba family
for 8 years,
25+ years in the financial
industry
Part of the Westoba family
for 19 years
Manager
Member Solutions,
Kirkcaldy/
1st Street/Shilo
“We are a full service
Credit Union. Providing
you Wealth Management
services,WestProtect
and Phillips Insurance
options, a local Teleservice
and many ATM’s located
throughout the Brandon
area.Westoba’s focus
is providing excellent
member service by
creating solutions that
work for our members.
Our goal is to make it easy
to do business with us.”
“I recommend all staff to
take a deeper interest in
the members they serve.
Ask the small questions
like, “Are you heading away
on a holiday this winter?”
or “How many kids do
you have?” You may be
surprised at where these
small questions lead you,
and lead your relationship
with your member.”
Can a vote be cast more
than once?
No, the system will not allow a
voter identification to be used
more than once. Regardless of
where you vote (online or inbranch), once your vote is cast,
attempting to use it again will
result in an error code.
Is online voting safe?
How are the votes
calculated?
Yes. Our online voting system is
a stand-alone software system
that is not directly attached to
the Westoba database.There
is no connection to member
account information.
Votes are automatically tabulated
online after the voter confirms
the selections made.The vote
is considered cast at that time
and the tabulation is updated
immediately by the system.
Part of the Westoba family
for 8 years
What happens to my
private information
after the election? Has it
been secure through the
process?
This system is not linked directly
to any member database.Your
member number and postal
code reside in the database used
in the voting application. During
the voting process, the database
is held in an independent server.
This data is encrypted on the
server in a locked ISO with 256bit encryption to encapsulate the
data. After the election results
are announced, the system’s
database will be destroyed.
Nice to
Meet Ya’
Neighbour!
How do businesses, corporations, or organizations appoint one person
to vote on their behalf?
There is a form on westoba.com
that can be printed, signed
and returned to MNP LLP, the
returning officer. Once this is
completed, the organization
will be provided with a voter
identifier code.
Introducing the Managers of our
Brandon Member Solutions Team.
See page 5
Mark Your Calendars
2015 Information Meetings
Monday, April 13 – District 5 (Glenboro/Ninette/Belmont)
Wednesday, April 15 – District 2 (Carberry)
Monday, April 20 – District 4 (Rivers)
Credit Union
Wednesday, April 22 – District 8 (Killarney/Cartwright)
“Having grown up in and
around Brandon, I have
always known this is a
fantastic community to
live and raise a family. I
believe you have to do
what others won’t to
achieve what others don’t
and like to work and live
with that model in mind.
At Westoba we listen and
work with our members
to find solutions to best
suit their needs.This is
what sets us apart.”
FAMILY
DAY
2015 Annual General Meeting
Wednesday, April 29 – District 1 (Brandon/Shilo)
Watch in branch, online and in local newspapers for
locations and times to be announced.
Toll-Free 1-877-WESTOBA
1-877-937-8622
Meet Lyle, a bull on a
member’s farm
southeast of Onanole.
TeleService Representatives: Monday to Friday 8 am to 8 pm • Saturday 8 am to 4 pm
Automated TeleService: 24 hours a day, 7 days a week
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
westoba.com
5
Picture credit: Pennie Nylen.
During this year’s Royal Manitoba
Winter Fair in Brandon, the
Credit Unions serving southwestern
Manitoba are sponsoring Credit Union
Family Day. On Wednesday, April 1st,
Canadian stars Sharon and Bram will have
performances throughout the day! For
more details around the day see page 2.
Membership
Satisfaction
Survey
Your opinion matters. Let us know
how we’re doing! See page 4
RRSP Contest
Think about your Future You and find
out how you can win $500 towards
your 2015 contribution! See page 4
This newsletter is printed on paper
containing 10% recycled content.
® TELESERVICE is a registered trademark owned by Vancouver City Savings Credit Union and is used under licence. ® ACCULINK & Design are registered trademarks owned by the Credit Union Central of Canada and are
used under licence. ™ [email protected] is a trademark owned by Credit Union Central of Canada and is used under licence. ® MEMBER CARD Design is a registered certification mark owned by Credit Union Central of Canada and
is used under licence. ® INTERAC & Design are registered trademarks owned by Interac Inc., authorized user of the mark. ® CIRRUS & Design are registered trademarks owned by Cirrus System Inc. and are used under licence.
® MAESTRO is a registered trademark owned by Maestro International Inc. and is used under licence. ® MASTERCARD & Design are registered trademarks owned by MasterCard International Inc.
6
This is your newsletter and we want to know what you think. Send your
comments and story suggestions to [email protected]
WINTER 2015
Brandon Member Solutions Team
2015 Board Elections
An Online Voter FAQ
Westoba is committed to continuing to offer excellent financial solutions to all members. No one person, family, business or
farm is the same.When it comes to managing your finances, we understand that you have unique needs and we’re evolving to
better meet them.We have created specialized Member and Business Solutions Teams.They are made up of knowledgeable staff,
equipped with the necessary skills to offer you excellent personal, commercial and agricultural advice. Not to mention sound
insurance and financial planning guidance.
In the upcoming newsletters, we will introduce the teams who are working hard (in front and behind the scenes) with your
best interests in mind. Let’s put a face to the name!
Meet the Brandon Member Solutions Team…
Why am I being asked to
vote online?
Can anyone find out who
I voted for?
Online voting is a highly efficient
and cost-effective way for
members to exercise their right
to vote. Using this system allows
more members the opportunity
to vote and executing it online
means we minimize our
ecological footprint. It also means
you are no longer required to
attend an AGM or Information
Meeting to be eligible to vote.
No.Your vote is completely
anonymous. We can only
determine whether or not
your vote has been cast.
Can I vote using a mobile
device?
Yes, the online voting system is
mobile-friendly.
John Jansen
Amber Van
De Kerckhove
Manager
Member Solutions,
34th Street
TeleService
Supervisor
Part of the Westoba
family for 18 years
Part of the Westoba family
for 8 ½ years
“I have lived in small towns
my whole life and over
the past year moved to
Brandon with my family.
Brandon may be a city,
but we are enjoying the
small town feel it offers.
As member solution
providers it’s our job to
build relationships with
our members, so we can
advise them on the best
product and services
to make their financial
dreams come true.”
“I have had the opportunity
to work in different areas in
the branches and recently
joined the TeleService
Team as the Supervisor.
At TeleService we have
started to take MasterCard
applications over the phone,
process loan applications
with same day or next day
approval.We answer calls
for all Westoba Branches
and in 2014 the TeleService
team answered over
73,000 inbound calls from
members. We are looking
forward to 2015 and what it
will bring.”
Melody Osudar
Patti McEvoy
Joshua Roels
Associate Vice
President, Member
Solutions Brandon
Manager
Member Solutions,
10th Street
Part of the Westoba family
for 8 years,
25+ years in the financial
industry
Part of the Westoba family
for 19 years
Manager
Member Solutions,
Kirkcaldy/
1st Street/Shilo
“We are a full service
Credit Union. Providing
you Wealth Management
services,WestProtect
and Phillips Insurance
options, a local Teleservice
and many ATM’s located
throughout the Brandon
area.Westoba’s focus
is providing excellent
member service by
creating solutions that
work for our members.
Our goal is to make it easy
to do business with us.”
“I recommend all staff to
take a deeper interest in
the members they serve.
Ask the small questions
like, “Are you heading away
on a holiday this winter?”
or “How many kids do
you have?” You may be
surprised at where these
small questions lead you,
and lead your relationship
with your member.”
Can a vote be cast more
than once?
No, the system will not allow a
voter identification to be used
more than once. Regardless of
where you vote (online or inbranch), once your vote is cast,
attempting to use it again will
result in an error code.
Is online voting safe?
How are the votes
calculated?
Yes. Our online voting system is
a stand-alone software system
that is not directly attached to
the Westoba database.There
is no connection to member
account information.
Votes are automatically tabulated
online after the voter confirms
the selections made.The vote
is considered cast at that time
and the tabulation is updated
immediately by the system.
Part of the Westoba family
for 8 years
What happens to my
private information
after the election? Has it
been secure through the
process?
This system is not linked directly
to any member database.Your
member number and postal
code reside in the database used
in the voting application. During
the voting process, the database
is held in an independent server.
This data is encrypted on the
server in a locked ISO with 256bit encryption to encapsulate the
data. After the election results
are announced, the system’s
database will be destroyed.
Nice to
Meet Ya’
Neighbour!
How do businesses, corporations, or organizations appoint one person
to vote on their behalf?
There is a form on westoba.com
that can be printed, signed
and returned to MNP LLP, the
returning officer. Once this is
completed, the organization
will be provided with a voter
identifier code.
Introducing the Managers of our
Brandon Member Solutions Team.
See page 5
Mark Your Calendars
2015 Information Meetings
Monday, April 13 – District 5 (Glenboro/Ninette/Belmont)
Wednesday, April 15 – District 2 (Carberry)
Monday, April 20 – District 4 (Rivers)
Credit Union
Wednesday, April 22 – District 8 (Killarney/Cartwright)
“Having grown up in and
around Brandon, I have
always known this is a
fantastic community to
live and raise a family. I
believe you have to do
what others won’t to
achieve what others don’t
and like to work and live
with that model in mind.
At Westoba we listen and
work with our members
to find solutions to best
suit their needs.This is
what sets us apart.”
FAMILY
DAY
2015 Annual General Meeting
Wednesday, April 29 – District 1 (Brandon/Shilo)
Watch in branch, online and in local newspapers for
locations and times to be announced.
Toll-Free 1-877-WESTOBA
1-877-937-8622
Meet Lyle, a bull on a
member’s farm
southeast of Onanole.
TeleService Representatives: Monday to Friday 8 am to 8 pm • Saturday 8 am to 4 pm
Automated TeleService: 24 hours a day, 7 days a week
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westoba.com
5
Picture credit: Pennie Nylen.
During this year’s Royal Manitoba
Winter Fair in Brandon, the
Credit Unions serving southwestern
Manitoba are sponsoring Credit Union
Family Day. On Wednesday, April 1st,
Canadian stars Sharon and Bram will have
performances throughout the day! For
more details around the day see page 2.
Membership
Satisfaction
Survey
Your opinion matters. Let us know
how we’re doing! See page 4
RRSP Contest
Think about your Future You and find
out how you can win $500 towards
your 2015 contribution! See page 4
This newsletter is printed on paper
containing 10% recycled content.
® TELESERVICE is a registered trademark owned by Vancouver City Savings Credit Union and is used under licence. ® ACCULINK & Design are registered trademarks owned by the Credit Union Central of Canada and are
used under licence. ™ [email protected] is a trademark owned by Credit Union Central of Canada and is used under licence. ® MEMBER CARD Design is a registered certification mark owned by Credit Union Central of Canada and
is used under licence. ® INTERAC & Design are registered trademarks owned by Interac Inc., authorized user of the mark. ® CIRRUS & Design are registered trademarks owned by Cirrus System Inc. and are used under licence.
® MAESTRO is a registered trademark owned by Maestro International Inc. and is used under licence. ® MASTERCARD & Design are registered trademarks owned by MasterCard International Inc.
6
This is your newsletter and we want to know what you think. Send your
comments and story suggestions to [email protected]
WINTER 2015