"Progress lhro ugh Unity and Semce" Baguio City, Philippines Vol. 14, lssue I (Jan.-Mar.2011)

Tiooo?ffiffiPseaveawebsite: www. bbcccon li ne.co*k$ Gooperative Community News and Features

lnside,Official List ofCandidates. Page 2

52nd Annual General

Tnr Annual General Assembly of the

Baguio-Benguet Community CreditCooperative (BBCCC) will be held onMarch 27, 201 1 (Sunday) at the Gon-zaga Gymnasium, College of Educa-tion Building, Saint Louis University,Gen. Luna Road, Baguio City.

Based on the Election Committee'sResolution Nos. I l -Elecom-O01 andl 1-Elecom-O02, the.election of Boardof Directors and the other CommitteeOfficers will likewise be held on thesaid event. There are four (4) vacantpositions for the Board of Directois,one (l) vacant position for AuditCommittee and two (2) vacant posi-tion5 for the Election Committee.

Also as per the above resolutions, thefollowing schedules were approved:Feb. 26 to April 2 (Election Period);Feb. 26 to Mar, 5 (Filing of Certificateof Candidacies for all Positions); trrtar'.

9 to Mar. 27 (Posting of List of Candi-dates); Mar. 9 to Mar. 12 (Filing ofPetition for Disqualification); Mar. 14

to Mar. 27 (Campaign Period) andMar. 28 to April 2 (Filing of ElectionProtest).

Every member is encouraged to par-

ticipate in this annual activity. Let us

show our solidarity to the cooperativemovement. O

Mrs. Maribel S.

Pasngadan, thenew BBCCCManager.

new manager was recently ap-pointed by the BBCCC Board of Di-rectors (BOD) following the retire-ment of former manager Mrs. Veron-ica Cardona earlier this year. This ap-pointment was the result of rigorousselection process conducted by theBOD.

Mrs. Maribel S. Pasngadan becamethe fourth manager of BBCCC afterher formal appointment took effectlast February l, 2011. Prior to as-suming office, she held the positionof BBCCC Finance Officer andHead Cashier for three years. Herservice with the cooperative startedten years ago as an Audit Assistant.

She took BS Commerce major in Ac-counting from the University of Baguioand previously wofked as a Bookkeeper

Continued to page 9 BOD Appoinls...

Assembly Set on March 27By: Robert I. Belda, Member, RDPC

Picture abwe shows candidates and their supporters in the heat of the 2011 campaign

BOD Appoints New BBCCG Manager

Page 2 ilo 88AOO AOOPSeWgn lanuary to March 2011

For BOARD of DIREGTORS [Elect Four (4]I

ABRATIQUE, Zosimo.OARMEL'

ADVERSALO, Oscar..ocA''

ALANGWAWI, Joseo'J0E"

BLJNGAG, Mary Ann..MA.AN"

CARDONA, Veronica..RONNIE"

FERNANDEZ, Renato',ATO"

RAMOS, George..GEORGE"

REFE, Juan..JOHNNY''

RIMAS, Amparo..AMPY"

TADEO, Emmanuel"BONG"

For AUDIT COMMITTEE [Elect One ({}l

ALABANZA,MaTk..MARK BENEDICT"

CHAN, Conrado..CONRAD''

GARCIA, Myrna'3MlrNl:"

For ELEGTION GOMMITTEE [Elect Two (2)I

LACOPIA, Norma..NORMA''

SORIANO, Gerry..GERRY''

lAa 88AAA OOOPSerugn January to March 2011 Page 3

EditorialTHANK YOU and WELGOME!

Thank you to the first manager of BBCCC, the vivacious, witty and humorous AMADO JESUS F. CENDANA!

Thank you Sir Jess for pioneering the professionalization of BBCCC's day-to-day operation in view of expediting thetransition from a Managonent Committee into having a full-time Manager in year 2000; for your dedication and corin-mitment to protect the interests of the cooperative(although you were at times accused as overly ftrgal); for causingthe setting up of the cooperative's computerization program to promote efficienoy and credibility in the delivery ofservioes to our members; and for helping the Board of Directors enhance the publio image of BBCCC here andabroad.

Thank you to the second manager of BBCCC, the buoyan! genial, and "Mr. Pure Enerry" OSCAR R. ADVERSALO!

Thank you Sir Oca for taking over the reins of management, albeit only for less than two years, at a time when ourcooperative was reeling from the shock caused by insider infraction, which positively served as a wake --trp call for allof us; for introducing stricter internal.controls to prevent similar occurrences in the future, thereby ensuring the viabil-ity and stability of our cooperative; and for continuing the work of your predecessor relative to tho computerizationprogram and image-building of BBCCC.

Thank you to the third manager of BBCCC, the unassuming, rCserved, and diligent VERONICA A. CARDONAI

Thank you Ma'am Ronnie for continuing zealously the work oftle previous managers; for overseeing our computeri-zation program up to its completion; and for your concem for employee well-being and sustainability of our coopera-tive in collaboration with the Board of Directors.

And to our newly appointed manager Qtls. refer to page I for related story. Ed.),.WELCOME! She is often referred toas the small-but-terrible (or the cute-and-no-nonsense) MARItsEL S. PASNGADXN! Ma'am Mabel , with you at thehelm , can we look forward to another 50 fruitful years? We are confident that we.can!

O

The BBCCC COOPSERVER is the Official Newslet-tEr of the BAGUIO.BENGUET COMMUNITY CREDITCOOPEMTIVE (BBCCC) and is published fourtimes a year.

No. 56 Cooperative St., Assumption Road, 2600Baguio City, Philippines.Website: bbcccon line.comEmail: bbccconline@yahoo.com

Tel Nos.: (074) 442-6603;(074) 442-5872;(074) 304-2946 TeleFax: (074) 444-4993

Consultants BOD Chair, Dr. Arnparo Rimas and GMVeronica Cardona File Photos Managementlnformation Systems

Oscar R. AdversaloEdltonln.Ghlrf

, ffi

Roberto l. Belda Stpphenle Lee Ong

Page 4

Witfr the guidance and assistance of the good Lord, the

BBCCC has indeed seen better things and better times in theyear past.

Relentless efforts of the Education Committee under DiaMario Valdez resulted in membership growth, while modest,succeeded in better quality members. The regular pre-membership seminars, along with the numerous training andeducational activities, have not only updated but upgradedofficer, staff, and to a certain extent, general membership,sense of belonging and sense of duty.

The welfare of the women, youth and elderly, through spiri-tual, physical, educational, and social activities, has been at-tended to very well by the innovative Chairperson, Dir. Isa-belinu Ronquillo of the Women, Youth and Elderly Commit-tee.

Our members have received needed information and commu-nication of BBCCC's goings on through the Coopserver,courtesy of the Research and Publication Committee with Dir.Oscur R. Adversolo, Chairperson. The researches undertakenby the Committee have provided valuable baseline data ondecisions made by the Board on matters of concern to the Co-operative.

Tireless efforts of the Housing Committee, with Coop, HouserOfficer, Dir. Au,rors Ambanlac, resulted in the initial distri-bution of Certificate Transfer of Title to eight (8) as twenty( 20 ) more are completing requirements before receiving theirown titles.

Dir. Arturo Asuncion, Oversight Officer on Loans Billingand Collection, continues to exert vigorous efforts in monitor-ing and following up collaterals and in the collection of loanpayments. He assists the Loan Officer and the Board on mat-ters of evaluation and approval of loan applications.

The Legal Committee, ably chaired by Dir. Nelson Gayo, has em-barked on positive strategies to address delinquency and allied con-cerns. Though the Committee's win-win recommendations for effec-tive collection, the Board could adopt policies for less expensive, less

emotional and less complicated loan payments/ collections withoutcompromising disciplinary collection policies on applicable cases.

COMELEC Commissioner, Attlt. Armando Velasco, head of theElection Committee, has provided the much-needed mentoring to hiscommittee members. His guidance is very essential to the efficientconduct of the annual election and in the handling of election con-cerns'

continued on page I I T'wai a Good...

IAa 88AAA eOOPgenAeR January to March 2011

A New Beginning

By: Mabel PasngadanManager

Tfr. responsibility that Mrs. Veronica Cardona (former

BBCCC Manager) passed to me is one of the most diffrcultassignments given to me so far.

Indeed, it is a mystery for me on the result of this new chal-lenge but I know that with faith and prayers, God will lead me

to the path that will benefit our whole cooperative. I will notpromise anything to all of you but with God's guidance and

blessing I will do my best to perform my job.

Being new in this position, I am fully aware of the need tocontinue learning. There is so much to do and what I have

known before may no longer be applicable in the new circum-stances. I know everybody expect that a manager should beperfect. I have lapses and weaknesses but through continuedlearning and teamwork, problems and concerns will be prop-erly addressed and solutions identified.

To our energetic Board of Directors and other BBCCC Offi-cers, thank you for the trust and confidence that you have

bestowed upon me. I appeal to you for your continued supportand understanding.

To my fellow coop members I bank on you for your coopera-

tion and support. I know I cannot please everybody but allowme to implement policies that our good BBCCC leadership'team had provided for our own good. I expect that each mem-ber will abide with all the rules and regulations of our coop-erative. Remember, that our cooperative is not just an ordi-nary cooperative. Modesty aside, we are already worth a bil-lion pesos so we need to protect our own'interest and reputa-tion.

I will also appreciate very much every suggestion and com-ment on how to improve our cooperative services. If you haveany concerns regarding the way our cooperative operates anddeals with the members, please feel free to approach me inthe office.

To nry fellow workers at the BBCCC, I count on you for co-operation, honesty, dedication and an extra mile effort in yourrespective work assignment. This will make hitting our organ-izational goals and objectives easier to do. Love your work,do your best, and someday I will only be too glad to handover this big responsibility to you by becoming the next lead-ers and managers of this great cooperative. Remember, thatthe success of this cooperative lies in our hands so that it maysomeday become a trillion peso cooperative sooner than wethink. €

Ttwas A Good Year

By Dr. Amparo T. RimasGhairman/President

eOOPgeWeR January to March 20t l

BBGCC Manager Retires

By: Robert I. BeldaMember, RDPC

BBGGG GHIPS Seminar HeldBy: Stephenie Lee Ong, Member, RDPC

lAo

Former Manager Mrs. Ronnie Cardona

Committee.

A tribute to the recently retiredBBCCC General Manager was heldlast January 15,201 1 at the BBCCCseminar hall. Ms. Veronica A.Cardona was the manager from Au-gust 1, 2008 until her retirementfrom the service on January 10,

2011.

She maybe a manager for more thantwo years yet her service to the co-.rperative, her second employer,actually began in 1983. She wasinitially appointed as a bookkeeper.

Because of hard work and persever-ance she rose thru the ranks occupy-ing such positions as AccountingDept. Head, Audit and InventoryCommittee Chairman and eventu-ally becoming the third GeneralManager in the history of BBCCC(the first manager was Amado Cen-dana folloqed by Oscar Adversalo).

Ir1 the words of Dr. Amparo T. Ri-mas, the current Chairman/Presidentof BBCCC, "For all these, BBCCCsalutes and thank this Great Man-ager, this Great Cooperative Leader,this Great Lady. BBCCC has seen

better things and better times duringher watch. Thus she leaves her workjustifiably proud and happily ful-filled. She has indeed exemplifiedwhat is said of great leaders.Mommy Ronnie (as she is fondlycalled), goodbye is not separation,it only means we shall meet again!"

Baguio Benguet Community CreditCooperative (BBCCC) conducted a

Cooperative Housing Investment andPlanned Savings Seminar (CHIPS)last March 13, 2011 at the BBCCCHall. The seminar was attended by80 members who wanted to enjoythis benefit the cooperative is offer-ing. The seminar was facilitated byDir. Aurora Ambanloc, BBCCCHousing Officer, and Atty. NelsonGayo, BBCCC Board of Directorand Chairman of BBCCC Legal

The seminar is a partial fulfillment ofthe series of seminars that will becompleted by the interested mem-bers. The seminar they attended isBearer's Course I and II that focusedon the qualifications, requirementsand the criteria for the prioritizationof lot awards. An overview of theaims of the project was also dis-cussed.

CHIPS participants listening to the talk of Dir. Au Ambanloc.

The participants were given member-ship folms during the seminar andthey have to accomplish the require-ments along with their membershipforms. Bearer's Course III will beannounced as soon as I there will be aschedule set for it.

The BBCCC Coop Housing Service(Co-HouSer) is a project of BBCCCto address the critical housing needsof its members. The awardee then isalso expected to commit its participa-tion continuously and to cooperate forthe group self-provision of afford-able, decent, and community-orientedhousing.

The Board of Directors has appointedinterim Officers of the Home Oivners'Association for the said incoming com-munity and they are now drafting theConstitution and By-Laws for a betterliving and community in the area.

{$

Page 5

Page 6 fAa eOOPSenYeR January to March 2011

Gertificate of TaxExemption Awarded

to BBGGG

By: Rizza GacaoMIS Section Head

Baguio-Benguet CommunityCredit Cooperative(BBCCC) wasgranted Certificate of Tax Exemp-tion by the Bureau of Internal Reve-nue CAR last February 14, 2011.The certification was signed by Mr.Eduardo T. Bajador, the OIC-Regional Director of BIR-CAR.

BBCCC being a registered coopera-tive with the Cooperative Develop-ment Authority (CDA) and hascomplied all the requirements set bythe bureau was given this certifica-tion of exemption and is valid forfive(5) years. The certification willbe valid until Febraury 14,2016.

BBCCC, is entitled with the follow-ing tax exemptions and incentives:

exemption from Income tax onincome from CDA- registeredoperations;exemption from Value-addedtax on CDA-registered sales ortransactions;exemption from other Percent-age tax;exemption from Donor's tax ondonations to duly accreditedcharitable, research and educa-tional institutions, and reinvest-ment to socio-economic pro-jects within the area of opera-tion of the cooperative;exemption from Excise tax forwhich it is directly liable;exemption from Documentarystamp tax: Provide however ,

that the other party to the tax.'able document / transactionwho is not exempt shall be theone directly liable for the tax;

exemption from payment of An-nual Registration fee of Fivehundred pesos (Php500); andexemption from all taxes on

transactions with insurancecompanies and banks, includingbut not limited ts 20o/o final taxon interest income derived froma depositary bank under the ex-panded foreign cuffency depos-ited system.

These exemptions or incentives areonly applicable to transactions donein the cooperative and only to themembers of the cooperative.

€

s)

h)

a)

b)

c)

d)

e)

0

kisrilt sg&r hmn$* 'em &{erofu E f- fr#I I es &s EEtCf,GA- fr** ,$mm " .*Ss?e $rr m fiHHE q?rstnhi€ryg

l$k ffi grrrrrrgFREE iruncransn ffiitrtryuf mF fs FIS#-ffi# un ilamfu mwmfurylr,..

Page I fio 88AAe AOOPgeRlen January to March 2011

fio 88440 eOOPSeWen January to March 2011

EDGOM UpdatesBy Clariza E. Bueza

Member, Educational and MembershipCommittee

BBCCC is conducting its Pre-

Membership Seminar (PMES) monthly.

For the first quarter, BBCCC Board ofDirectors approved 60 members in Janu-ary and 62 members in February. ForMarch, the PMES was conducted lastMar. 6 and the BOD are still in the proc-ess of deliberation in the status of mem-bership of the attendees. Next month, thePMES is scheduled April 10, 2011 at theBBCCC Hall.

Before you are allowed to attend the re-quired PMES, you must:Attend the personbl interview at theBBCCC office. Bring the following pa-pers and documents:

a. Certificate of Employment (for em-ployees); b. Business Permit (for self-employed); c. Any other proof of sourceof income if not an employee or self-employed.Pay the initial fees.

After the PMES, you must submit thefolowing before the Board of Directorscan act on your application for member-ship: Two (2) copies 2"x2" ID pictures,one (l) copy l"xl" ID picture; Copy ofyour birth certificate, yow children's birthcertificate (if applicable) and marriagecertificate (if applicable). {S

Continuedfrom page I BOD Appoints...

and Audit Staff from these organizations:Burnham Park Caltex, Rainbow OptiscanCenter ana hORLU-CEDEC.

Ar her first act, Mrs. Pasngadan an-nounced thd new assignments of staff ef-fective February l,20ll. Qtls. see relatedstory on p. 7 BBCCC Staffl

This set of new assignments is in conso-nance with HR policies meant to exposeand provide continuous training to theemployees in the various operations of thecooperative. With these new appointmentsit is expected that the excellent serviceBBCCC is known for will continue for thebenefit of the members and the eommunitywhere the cooperative operates. O

The BBCGC Foundation Pre-School

Left picture shows Dr. Rimas leading the outreach activity ofthefoundaion last Feb-ruary 201 I. Pre-school students garbed in their favorite national costumes during the,United Nations celebration last November 2010 (righ\.

Getting to learn some songs of other countries and displaying some national costumes

was the exciting activity of the preschoolers during the celebration of United NationsDay which was celebrated last November 5, 2010. The simpie snacks consisted of apicking of Chinese (pancit), American (cakes, burgers), Italian (pizza), Filipino desserts(puto, bibingka) and other dishes. The kids learned that they belong to one nation wherqall are brothers and sisters to each other.

Donned in their bright red and white Christmas attires, the kids and teachers sang songsand recited Christmas poems to enjoy the Christmas season last December 17,2010 atthe Christmas program. The children and their parents gave their gifts for the oufieachactivity of the preschool. They also exchanged gifts among themselves.

On Febru ary 14,2lll,iin a fitting celebration of the day of hearts - love and sharing -the preschoolers went for an outreach activity at the Bakakeng Cenfial Day- Care Cen-ter to share foodstuff, clothing and toys to some 50 day-care pupils there. The day careteacher, Mrs. Marilyn Bautista and Mrs. Helen Miranda, Barangay Captain, were pre-fuse in their gratitude for the good turn the BBCCC Foundation Preschool did for them.

The Moving Up Day of the preschool will be on March 21,2011. It will be held at theBBCCC Seminar Hall. Activities start at 9:00 with a Holy Mass. The ceremonies willconsist of giving of academic awards and distribution of honor ribbons and certificates.

The academic awardees are:

Announcements:Reservation is going on at the BBCCC Foundation PreschoolEnrolment starts on May 2,201I until classes begin.

For Inquiries: Contact the Preschool Office , #56Assumption Road, Baguio CityTelephon e #z 424-03 l6 or 424-6196E mail : bbcccfoundation@yahoo.com

Kindergarten Nursery

Best in Reading Sean Judiel T. Aguilar Danielle Anne U. Cabanilla

Best in Math Mya Grace G.Guilanda

Luigi Sean Miguel B. Samson

Best in Language Marielle A. Cruz Adrianne U. Padaco

Best in Filipino Clarisse K. Lagramada Lisha Yvette M. Guillermo

Page 9

Page 70 ilo 884&2 eOOPSeRYeR January to March 2011

WEYGOT UpdatesBy: Jovie L. Marinas

Member, Women, Elderly and Youth Committee

Bone Scannlng, Blood Tlplng and UrlnalXrsls ActMtlerThelirst batch was hetd last February 24, 201 t where a toat of200 members, employees and coop ofiicers availed of the ser-vice. The second batch were held last March 7, 201I where aside lrom bone scanning blood Wing and urinalysis were done.For bone scanning a total of 6l individuals availed Fot blood Wing 22 and urinalysis, 31.

s*til* r#Jlrls&TlsH F rs$}ffiffi#*qWdwp$fli.l*nn. ffi, $f*t

llnteW**wlfuT-#SWndetWtpffi&n:*- $4yffiBsH

sr*ffii *.ffi#Silstu*ryf sf *h* *h*d'sr

*,S&fis*sr* ffih Sry*Wn# w!ffiaute; mlio* 0M #Prunsffi,sqftqq

ffif$ilsnyI t pc* ffi til Fbtrss

frnn**ur I otrlo![F

ffi$ilbsttftf !-3il,I$ll

(l-r) Manager Maribel Pasngadan, Ronald Linglingan (Mr. Val-entine), Vivian Nahiwan (Queen of Hearts), Albert del Rosario(King of Hearts), Genevie Perez (Ms. Valentine), Jovie Marinas(Member, Weycomm), Dir. Belle Ronquillo (Chairman, l\ey-comm) and Mila Tacderqs (Member, Weycomm)

Senior Gitizens Group of BBGGGInitiated the organizational meeting of the Senior Citizen mem-bers of BBCCC last February 19, 2011. The group had theirelection of interim fficers namely: Mrs. Amada Casana, Chair-man; Mr. Mario Refugia, Vice Chairman; Mrs. Percida Nar-vqsa, Secretary; and Ms. Fely Nevado, Treasurer. The groupmeets every quarter to plan and implement their activities.

.#ffi6r y#ir!# ffid tffit S ffiCf, f#sdtrttfl1ry#s*.*#$f$ ffi # c $W #?d ##H1, trffilod

M"*s*fi'*nl"

Valentlnets Day Actlvity, February l 41 2Ol r,

,b &Mn OOOPgeRYen January to March 2011

The Rules forBeing Human

Teken from the bookoutdoor, Leodership: Theoryand Practice by Bruce Martin et al.'

Humrn Kinetics' p.l2l-122

I. YOU WILL RECETVE A BODYYou may like it or hate it but it will beyours for the entire period this timearound.2. YOU WILL LEARN LESSONSYou are enrolled in a full-time infor-mal school called life.Each day in this school you have op-portunity to learn lessons.

You may like the lessons or think themirrelevant or stupid.3. THERE ARE NO MISTAKESONLY LESSONSGrowth is a process or trial and erorexperimentation. The "failed" experi-ments are as much apart of the processas the experiment that ultimatelyttworks. t'

4. A LESSON IS REPEATEDI.]NLESS LEARNEDA lesson will be presented to you invarious forms until you have learned it.Whqr you have learned it, you canthen go to the next lesson;

5. LEARNING LESSONS DOESNOT ENDThere is no part of life that does notcontain its lesson.If you are alive, there are lessons to belearned.6. *THERE" IS NO BETTER THAN"I{F-RF."When. your "there" has become a

"here" you will simply obtain another"there'o that will, again look better than"here.'7. dTHBns ARE MERELY MIR-RORS OF YOUYou cannot love or hate somethingabout another person unless it reflectsto you something you love or hate inyourself.8. WHAT YOU MAKE OF YOUR LIFEIS UP TO YOUYou have all the tools and resources youneed, what you do with them is up to you.The choice is yours.9. YOUR ANSWERS LIE INSIDE YOUThe answer to life questions lie inside you.All you need is to look, listen and trust.

o

Page 77

Ode to BBGGG

By: Aeneid Anthony Marinas Adversalo13 yrs. old, lst Year, HS student

I see the business sharing some cashTo help others so that they will not crmh

Helping others that's what you doIt is an act you should not forego

After a lot of years, you are so grandAU the members makb you a brand

BBCCC, you are alwoys standing strongFor making money is never wrong

Serving others by giving loansBBCCC, you are so helpful;, a member never groans

It[aking others satisfied is a sensation

, Becouse it is an expectation

Continuedfrom page 4 T'was a Good..

Audit Committee Chair, Dr. George Mr. foseph Porftrio Andaya, BoardRamos and Treasurer, Ms. Jolephine SeCretary has not only served in allOcampo, have prudently handled 1lr. fi- afid every need of the Board but hasnances of the cooperative' The o"ltl,-hi: not hesitated to assist all other compo-been ever alert and watcJhtul in its task of ;;il of the Cooperative which re_financial and perfonnanoe audit. quested help. His competence and.

The Treasurer has seen to it that the dedication has'been remarkable and

budget was observed 4nd that revenues his insights have been valuable and

andixpenses were kept oh target and still enlightening in many a Board di-realizing a modest net surplus. lemma.

Cautious, yet aggressive in taking advan-tage of good breaks, the Investment Com-mittee, headed by Board Chair Ampy Ri-mas as Committee Chaimerson and mem-bers, the Treasurer, the Audit Chair, Man-ager Mabel Pasngadan and Board Repre-sentative Dia Oscar R. Adversalo, per-formed creditably well in handling theCooperative investment portfolio. TheROI's realized in various placements haveconsiderably increased earnings of theyear.

After coming up with its own basic work poli-cies, the Conciliation and Mediation Commit-tee, under Atty. Renolo Fernandez continuesto refine its procedures in anticipation of mat-ters that may be brought to its attention. TheEthics Committee has formulated the Hand-book on Governance and Ethical Standards andwas greatly assisted in the process by commit-tee member, NLRC Judge, Judge EmeterioManantan.

Ms. Maribel Pasngadan, our newManager, brings to her work, energyand dynamism, a rich financial back-ground and deep sense of duty andcommitment. She has promised towork towards more and better staffand member benefits whenever possi-ble. Having come from the rank andfile, it is not surprising that she hasimmediately gelled with the workgroup.

It is my fervent prayer and confidenthope that the tradition of humble ser-vice continues to guide our behaviorand perforrnance as officer Staff andMembers of this great cooperative- theBBCCC - of which all of us are justi-fiably proud and grateful. God bless usall! A

q,

Page 72

, ':"

_'1

"."t

EZI

ELI OE7 --=,r-t-l{{: I'j N-tr{-I ={

rfiI

r- rrlli- LlEIE LLIrtrEn/H ---rI

I

t?ti-ll.n'f\tfig'ffitr5:}l-

LJEstJ