*  *  *  Ladies and Gentlemen, I sincerely thank the Board of Telephone Workers’ Credit Union for the kind invitation to deliver the feature address at your Sixty Third Annual General Meeting. It is indeed an honour for me to be part of this occasion.
In June 1950, Telephone Workers’ Credit Union opened its doors with 38 members and a share capital of $ Sixty three years later, you can boast a membership in excess of 5,000 and a resource base of nearly $ million.